The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 420 1,999 SH   SOLE   30 0 1,969
ABBVIE INC COM 00287Y109 715 8,046 SH   SOLE   350 0 7,696
AIR PRODS & CHEMS INC COM 009158106 253 1,676 SH   SOLE   230 0 1,446
ALPHABET INC CAP STK CL C 02079K107 290 302 SH   SOLE   29 0 273
ALPHABET INC CAP STK CL A 02079K305 878 902 SH   SOLE   48 0 854
ALTRIA GROUP INC COM 02209S103 303 4,779 SH   SOLE   350 0 4,429
AMAZON COM INC COM 023135106 2,324 2,417 SH   SOLE   20 0 2,397
AMERICAN EXPRESS CO COM 025816109 339 3,752 SH   SOLE   1,701 0 2,051
AMERICAN WTR WKS CO INC NEW COM 030420103 280 3,464 SH   SOLE   190 0 3,274
APPLE INC COM 037833100 3,515 22,804 SH   SOLE   863 0 21,941
AT&T INC COM 00206R102 539 13,760 SH   SOLE   3,101 0 10,659
AUTOMATIC DATA PROCESSING IN COM 053015103 349 3,196 SH   SOLE   509 0 2,687
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,141 6,222 SH   SOLE   0 0 6,222
BOEING CO COM 097023105 279 1,098 SH   SOLE   0 0 1,098
CELGENE CORP COM 151020104 275 1,888 SH   SOLE   129 0 1,759
CHEVRON CORP NEW COM 166764100 306 2,606 SH   SOLE   379 0 2,227
CHUBB LIMITED COM H1467J104 239 1,675 SH   SOLE   0 0 1,675
CISCO SYS INC COM 17275R102 297 8,828 SH   SOLE   483 0 8,345
COCA COLA CO COM 191216100 256 5,697 SH   SOLE   819 0 4,878
COMCAST CORP NEW CL A 20030N101 570 14,800 SH   SOLE   1,590 0 13,210
COSTCO WHSL CORP NEW COM 22160K105 258 1,568 SH   SOLE   0 0 1,568
D R HORTON INC COM 23331A109 264 6,621 SH   SOLE   595 0 6,026
DANAHER CORP DEL COM 235851102 594 6,930 SH   SOLE   0 0 6,930
DISNEY WALT CO COM DISNEY 254687106 291 2,951 SH   SOLE   123 0 2,828
DOMINION ENERGY INC COM 25746U109 204 2,650 SH   SOLE   0 0 2,650
DOWDUPONT INC COM 26078J100 510 7,364 SH   SOLE   0 0 7,364
ENTERPRISE PRODS PARTNERS L COM 293792107 420 16,095 SH   SOLE   3,330 0 12,765
EXXON MOBIL CORP COM 30231G102 1,865 22,754 SH   SOLE   2,195 0 20,559
FEDEX CORP COM 31428X106 315 1,395 SH   SOLE   0 0 1,395
FIDELITY NATL INFORMATION SV COM 31620M106 212 2,266 SH   SOLE   916 0 1,350
FLEXSHARES TR QUALT DIVD IDX 33939L860 247 5,820 SH   SOLE   0 0 5,820
GENERAL DYNAMICS CORP COM 369550108 235 1,143 SH   SOLE   0 0 1,143
GENERAL ELECTRIC CO COM 369604103 1,726 71,381 SH   SOLE   4,710 0 66,671
GENERAL MLS INC COM 370334104 348 6,719 SH   SOLE   0 0 6,719
GENERAL MTRS CO COM 37045V100 535 13,243 SH   SOLE   520 0 12,723
HARTFORD FINL SVCS GROUP INC COM 416515104 329 5,939 SH   SOLE   0 0 5,939
HOME DEPOT INC COM 437076102 456 2,791 SH   SOLE   576 0 2,215
HONEYWELL INTL INC COM 438516106 248 1,751 SH   SOLE   0 0 1,751
INTEL CORP COM 458140100 485 12,743 SH   SOLE   1,051 0 11,692
INTERNATIONAL BUSINESS MACHS COM 459200101 959 6,613 SH   SOLE   33 0 6,580
ISHARES TR SELECT DIVID ETF 464287168 1,000 10,683 SH   SOLE   357 0 10,326
ISHARES TR CORE S&P500 ETF 464287200 8,226 32,522 SH   SOLE   2,330 0 30,192
ISHARES TR MSCI EAFE ETF 464287465 388 5,669 SH   SOLE   3,395 0 2,274
ISHARES TR CORE S&P MCP ETF 464287507 35,651 199,280 SH   SOLE   9,267 0 190,013
ISHARES TR RUS 1000 VAL ETF 464287598 468 3,945 SH   SOLE   3,165 0 780
ISHARES TR RUSSELL 2000 ETF 464287655 3,003 20,264 SH   SOLE   1,678 0 18,586
ISHARES TR CORE S&P SCP ETF 464287804 7,489 100,903 SH   SOLE   11,222 0 89,681
ISHARES TR 1 3 YR CR BD ETF 464288646 220 2,085 SH   SOLE   0 0 2,085
ISHARES TR MICRO-CAP ETF 464288869 318 3,366 SH   SOLE   108 0 3,258
JOHNSON & JOHNSON COM 478160104 816 6,275 SH   SOLE   541 0 5,734
JPMORGAN CHASE & CO COM 46625H100 1,369 14,336 SH   SOLE   465 0 13,871
KROGER CO COM 501044101 243 12,125 SH   SOLE   30 0 12,095
LABORATORY CORP AMER HLDGS COM NEW 50540R409 768 5,086 SH   SOLE   0 0 5,086
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 509 7,164 SH   SOLE   486 0 6,678
MARRIOTT INTL INC NEW CL A 571903202 567 5,141 SH   SOLE   0 0 5,141
MCCORMICK & CO INC COM VTG 579780107 1,358 13,232 SH   SOLE   0 0 13,232
MCDONALDS CORP COM 580135101 647 4,128 SH   SOLE   289 0 3,839
MERCK & CO INC COM 58933Y105 334 5,218 SH   SOLE   1,601 0 3,617
MICROSOFT CORP COM 594918104 463 6,220 SH   SOLE   1,211 0 5,009
MORGAN STANLEY COM NEW 617446448 249 5,175 SH   SOLE   0 0 5,175
NEXTERA ENERGY INC COM 65339F101 1,088 7,427 SH   SOLE   1,187 0 6,240
NORFOLK SOUTHERN CORP COM 655844108 867 6,559 SH   SOLE   1,341 0 5,218
NORTHROP GRUMMAN CORP COM 666807102 346 1,204 SH   SOLE   0 0 1,204
PEPSICO INC COM 713448108 1,041 9,340 SH   SOLE   30 0 9,310
PFIZER INC COM 717081103 1,733 48,543 SH   SOLE   4,632 0 43,911
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 9,259 90,956 SH   SOLE   3,360 0 87,596
PNC FINL SVCS GROUP INC COM 693475105 632 4,689 SH   SOLE   111 0 4,578
PRICE T ROWE GROUP INC COM 74144T108 207 2,279 SH   SOLE   84 0 2,195
PROCTER AND GAMBLE CO COM 742718109 504 5,537 SH   SOLE   1,851 0 3,686
PROSHARES TR PSHS LC COR PLUS 74347R248 246 3,930 SH   SOLE   0 0 3,930
RAYTHEON CO COM NEW 755111507 203 1,090 SH   SOLE   0 0 1,090
ROPER TECHNOLOGIES INC COM 776696106 206 845 SH   SOLE   0 0 845
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 57,918 964,662 SH   SOLE   59,444 0 905,218
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 660 9,795 SH   SOLE   2,000 0 7,795
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 761 15,103 SH   SOLE   0 0 15,103
SPDR S&P 500 ETF TR TR UNIT 78462F103 24,207 96,353 SH   SOLE   2,817 0 93,536
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 416 1,274 SH   SOLE   1,274 0 0
STARBUCKS CORP COM 855244109 259 4,820 SH   SOLE   0 0 4,820
TJX COS INC NEW COM 872540109 260 3,530 SH   SOLE   0 0 3,530
TRAVELERS COMPANIES INC COM 89417E109 239 1,952 SH   SOLE   633 0 1,319
TREX CO INC COM 89531P105 262 2,908 SH   SOLE   0 0 2,908
UNION PAC CORP COM 907818108 230 1,983 SH   SOLE   275 0 1,708
UNITED BANKSHARES INC WEST V COM 909907107 562 15,116 SH   SOLE   1,000 0 14,116
UNITED PARCEL SERVICE INC CL B 911312106 262 2,181 SH   SOLE   0 0 2,181
UNITED TECHNOLOGIES CORP COM 913017109 261 2,250 SH   SOLE   0 0 2,250
UNITEDHEALTH GROUP INC COM 91324P102 346 1,764 SH   SOLE   32 0 1,732
US BANCORP DEL COM NEW 902973304 371 6,923 SH   SOLE   732 0 6,191
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 455 5,698 SH   SOLE   0 0 5,698
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 24,572 106,483 SH   SOLE   5,528 0 100,955
VANGUARD INDEX FDS REIT ETF 922908553 659 7,935 PRN   SOLE   11 0 7,924
VANGUARD INDEX FDS MID CAP ETF 922908629 6,242 42,463 SH   SOLE   3,000 0 39,463
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 345 4,311 SH   SOLE   0 0 4,311
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,554 35,794 SH   SOLE   2,610 0 33,184
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,707 21,059 SH   SOLE   2,358 0 18,701
VERIZON COMMUNICATIONS INC COM 92343V104 527 10,643 SH   SOLE   751 0 9,892
VISA INC COM CL A 92826C839 265 2,517 SH   SOLE   161 0 2,356
WALGREENS BOOTS ALLIANCE INC COM 931427108 333 4,307 SH   SOLE   2,007 0 2,300
WASHINGTONFIRST BANKSHARES I COM 940730104 1,618 45,461 SH   SOLE   45,461 0 0
WELLTOWER INC COM 95040Q104 264 3,761 SH   SOLE   47 0 3,714
WISDOMTREE TR US SMALLCAP DIVD 97717W604 309 3,680 SH   SOLE   0 0 3,680