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
AMERICAN AIRLS GROUP INC COM 02376R102 27 2,070 SH   SOLE NONE 0 0 2,070
APPLE INC COM 037833100 326 894 SH   SOLE NONE 0 0 894
ABBOTT LABS COM 002824100 9 100 SH   SOLE NONE 0 0 100
ARCH CAP GROUP LTD ORD G0450A105 2,883 100,649 SH   SOLE NONE 0 0 100,649
AMERICAN ELEC PWR INC COM 025537101 159 2,000 SH   SOLE NONE 0 0 2,000
AFLAC INC COM 001055102 23 646 SH   SOLE NONE 0 0 646
ALASKA AIR GROUP INC COM 011659109 28 790 SH   SOLE NONE 0 0 790
AMAZON COM INC COM 023135106 41 15 SH   SOLE NONE 0 0 15
ARES CAP CORP COM 04010L103 4,065 281,320 SH   SOLE NONE 0 0 281,320
AMERICAN EXPRESS CO COM 025816109 64 680 SH   SOLE NONE 0 0 680
BK OF AMERICA CORP COM 060505104 19 810 SH   SOLE NONE 0 0 810
BANK OF NEW YORK MELLON CORP COM 064058100 55 1,428 SH   SOLE NONE 0 0 1,428
BLACKROCK INC COM 09247X101 13 25 SH   SOLE NONE 0 0 25
BLACKROCK HEALTH SCIENCES TR COM 09250W107 31 773 SH   SOLE NONE 0 0 773
BRISTOL MYERS SQUIBB CO COM 110122108 6,747 114,746 SH   SOLE NONE 0 0 114,746
BRISTOL MYERS SQUIBB CO RIGHT 99/99/9999 110122157 152 42,653 SH   SOLE NONE 0 0 42,653
VANGUARD TOTAL BOND MARKET TOTAL BND MRKT 921937835 119 1,358 SH   SOLE NONE 0 0 1,358
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 182 1,020 SH   SOLE NONE 0 0 1,020
BOSTON SCIENTIFIC CORP COM 101137107 7 200 SH   SOLE NONE 0 0 200
CATERPILLAR INC DEL COM 149123101 16 133 SH   SOLE NONE 0 0 133
CEDAR REALTY TRUST INC COM NEW 150602209 1 1,524 SH   SOLE NONE 0 0 1,524
COMERICA INC COM 200340107 7 201 SH   SOLE NONE 0 0 201
COMCAST CORP NEW CL A 20030N101 68 1,752 SH   SOLE NONE 0 0 1,752
CANADIAN NATL RY CO COM 136375102 17 201 SH   SOLE NONE 0 0 201
CAPITAL ONE FINANCIAL CORPORATION COM 14040H105 12 197 SH   SOLE NONE 0 0 197
CONOCOPHILLIPS COM 20825C104 8 210 SH   SOLE NONE 0 0 210
CISCO SYS INC COM 17275R102 5,681 121,824 SH   SOLE NONE 0 0 121,824
CSX CORP COM 126408103 96 1,390 SH   SOLE NONE 0 0 1,390
DEERE & CO COM 244199105 18 116 SH   SOLE NONE 0 0 116
DELL TECHNOLOGIES INC CL C 24703L202 2 39 SH   SOLE NONE 0 0 39
DIAGEO P L C SPON ADR NEW 25243Q205 13 101 SH   SOLE NONE 0 0 101
QUEST DIAGNOSTICS INC COM 74834L100 3,446 30,245 SH   SOLE NONE 0 0 30,245
DISNEY WALT CO COM DISNEY 254687106 8,861 79,467 SH   SOLE NONE 0 0 79,467
ISHARES TR SELECT DIVID ETF 464287168 40 500 SH   SOLE NONE 0 0 500
WISDOMTREE JAPAN HEDGED JAPN HEDGE EQT 97717W851 5,128 109,073 SH   SOLE NONE 0 0 109,073
SPDR SER TR BLOMBRG BRC EMRG 78464A391 3 130 SH   SOLE NONE 0 0 130
ISHARES MSCI EMERGING MARKETS MSCI EMG MKT ETF 464287234 53 1,329 SH   SOLE NONE 0 0 1,329
EQT CORP COM 26884L109 6 550 SH   SOLE NONE 0 0 550
EQUITRANS MIDSTREAM CORPORAT COM 294600101 3 440 SH   SOLE NONE 0 0 440
EXELON CORP COM 30161N101 13 385 SH   SOLE NONE 0 0 385
F.N.B. CORP COM 302520101 4,042 538,969 SH   SOLE NONE 0 0 538,969
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 14 453 SH   SOLE NONE 0 0 453
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 11 431 SH   SOLE NONE 0 0 431
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 19 815 SH   SOLE NONE 0 0 815
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 13 584 SH   SOLE NONE 0 0 584
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 19 535 SH   SOLE NONE 0 0 535
FEDERAL REALTY INVT TR SH BEN INT NEW 313747206 10 124 SH   SOLE NONE 0 0 124
FS KKR CAP CORP II COM 35952V303 1 78 SH   SOLE NONE 0 0 78
FULTON FINL CORP PA COM 360271100 8 800 SH   SOLE NONE 0 0 800
NEW GERMANY FD INC COM 644465106 7 506 SH   SOLE NONE 0 0 506
SPDR GOLD TRUST GOLD SHS 78463V107 14,135 84,457 SH   SOLE NONE 0 0 84,457
CORNING INC COM 219350105 10 406 SH   SOLE NONE 0 0 406
GENERAL MTRS CO COM 37045V100 7 309 SH   SOLE NONE 0 0 309
GLOBAL MED REIT INC COM NEW 37954A204 78 6,911 SH   SOLE NONE 0 0 6,911
BARRICK GOLD CORPORATION COM 067901108 13 503 SH   SOLE NONE 0 0 503
GOOGLE INC CAP STK CL C 02079K107 8,996 6,364 SH   SOLE NONE 0 0 6,364
GOOGLE INC CAP STK CL A 02079K305 55 39 SH   SOLE NONE 0 0 39
DBX ETF TR XTRACK INTL REAL 233051846 3 161 SH   SOLE NONE 0 0 161
HANESBRANDS INC COM 410345102 3,908 346,234 SH   SOLE NONE 0 0 346,234
HOME DEPOT INC COM 437076102 12 50 SH   SOLE NONE 0 0 50
HARTFORD FINL SVCS GROUP INC COM 416515104 11 304 SH   SOLE NONE 0 0 304
HARLEY DAVIDSON INC COM 412822108 11 500 SH   SOLE NONE 0 0 500
DBX ETF TR XTRACK USD HIGH 233051432 2 59 SH   SOLE NONE 0 0 59
ISHARES GOLD TRUST ISHARES 464285105 79 4,701 SH   SOLE NONE 0 0 4,701
INTERNATIONAL BUSINESS MACHS COM 459200101 11 92 SH   SOLE NONE 0 0 92
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 48 400 SH   SOLE NONE 0 0 400
ISHARES TR EXPANDED TECH 464287515 13,959 49,111 SH   SOLE NONE 0 0 49,111
ISHARES TR CORE S&P MCP ETF 464287507 78 444 SH   SOLE NONE 0 0 444
INTEL CORP COM 458140100 30 510 SH   SOLE NONE 0 0 510
INTUIT COM 461202103 29 100 SH   SOLE NONE 0 0 100
FLEXSHARES TR INTL QLTDV IDX 33939L837 17 865 SH   SOLE NONE 0 0 865
INVESCO QUALITY MUN INCOME T COM 46133G107 47 4,014 SH   SOLE NONE 0 0 4,014
INTUITIVE SURGICAL INC COM NEW 46120E602 43 77 SH   SOLE NONE 0 0 77
ISHARES TR RUS 1000 ETF 464287622 28 167 SH   SOLE NONE 0 0 167
ISHARES TR RUS 2000 GRW ETF 464287648 62 302 SH   SOLE NONE 0 0 302
JOHNSON & JOHNSON COM 478160104 45 321 SH   SOLE NONE 0 0 321
JPMORGAN CHASE & CO COM 46625H100 39 417 SH   SOLE NONE 0 0 417
KINDER MORGAN INC COM 49456B101 4,735 312,143 SH   SOLE NONE 0 0 312,143
KINSALE CAP GROUP INC COM 49714P108 4 32 SH   SOLE NONE 0 0 32
COCA COLA CO COM 191216100 48 1,080 SH   SOLE NONE 0 0 1,080
ISHARES INC JP MORGAN EM ETF 464286517 10 250 SH   SOLE NONE 0 0 250
LENNAR CORP CL A 526057104 9 150 SH   SOLE NONE 0 0 150
LENNAR CORP CL B 526057302 0 2 SH   SOLE NONE 0 0 2
LOWES COS INC COM 548661107 13 101 SH   SOLE NONE 0 0 101
ISHARES BARCLAYS MBS BOND MBS ETF 464288588 163 1,477 SH   SOLE NONE 0 0 1,477
MONDELEZ INTL INC CL A 609207105 21 415 SH   SOLE NONE 0 0 415
3M CO COM 88579Y101 3,540 22,696 SH   SOLE NONE 0 0 22,696
MERCK & CO INC NEW COM 58933Y105 8 107 SH   SOLE NONE 0 0 107
MARATHON OIL CORP COM 565849106 0 99 SH   SOLE NONE 0 0 99
MICROSOFT CORP COM 594918104 147 726 SH   SOLE NONE 0 0 726
NEXTERA ENERGY INC COM 65339F101 247 1,032 SH   SOLE NONE 0 0 1,032
NEWMONT CORP COM 651639106 49 805 SH   SOLE NONE 0 0 805
NATIONAL GRID PLC SPONSORED ADR NE 636274409 11 186 SH   SOLE NONE 0 0 186
NUVEEN MARYLAND QLT MUN INC COM 67061Q107 82 6,370 SH   SOLE NONE 0 0 6,370
NORFOLK SOUTHERN CORP COM 655844108 24 139 SH   SOLE NONE 0 0 139
NUTRIEN LTD COM 67077M108 9 308 SH   SOLE NONE 0 0 308
OCCIDENTAL PETE CORP COM 674599105 0 29 SH   SOLE NONE 0 0 29
PFIZER INC COM 717081103 13 412 SH   SOLE NONE 0 0 412
PROCTER & GAMBLE CO COM 742718109 36 303 SH   SOLE NONE 0 0 303
PNC FINL SVCS GROUP INC COM 693475105 51 493 SH   SOLE NONE 0 0 493
PRUDENTIAL FINL INC COM 744320102 14 230 SH   SOLE NONE 0 0 230
PHILLIPS 66 COM 718546104 3 55 SH   SOLE NONE 0 0 55
PAYPAL HLDGS INC COM 70450Y103 17 100 SH   SOLE NONE 0 0 100
QUALCOMM INC COM 747525103 18 203 SH   SOLE NONE 0 0 203
INVESCO QQQ TR UNIT SER 1 46090E103 136 550 SH   SOLE NONE 0 0 550
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 11 340 SH   SOLE NONE 0 0 340
REGENCY CTRS CORP COM 758849103 2,268 49,427 SH   SOLE NONE 0 0 49,427
RMR GROUP INC CL A 74967R106 0 4 SH   SOLE NONE 0 0 4
COHEN & STEERS QUALITY INCOM COM 19247L106 75 6,927 SH   SOLE NONE 0 0 6,927
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 84 425 SH   SOLE NONE 0 0 425
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 19 304 SH   SOLE NONE 0 0 304
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 7 253 SH   SOLE NONE 0 0 253
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 18 359 SH   SOLE NONE 0 0 359
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7 319 SH   SOLE NONE 0 0 319
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12 429 SH   SOLE NONE 0 0 429
SCHWAB STRATEGIC TR US REIT ETF 808524847 2 80 SH   SOLE NONE 0 0 80
SCHWAB STRATEGIC TR US TIPS ETF 808524870 34 573 SH   SOLE NONE 0 0 573
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 5 94 SH   SOLE NONE 0 0 94
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 24 330 SH   SOLE NONE 0 0 330
SPDR SERIES TRUST S&P DIVID ETF 78464A763 57 630 SH   SOLE NONE 0 0 630
JM SMUCKERS CO COM NEW 832696405 3,461 32,717 SH   SOLE NONE 0 0 32,717
SUN LIFE FINL INC COM 866796105 26 733 SH   SOLE NONE 0 0 733
SOUTHERN CO COM 842587107 3,497 67,458 SH   SOLE NONE 0 0 67,458
SPDR SER TR PORTFOLIO INTRMD 78464A375 2 81 SH   SOLE NONE 0 0 81
SPDR S&P 500 ETF TR TR UNIT 78462F103 123 400 SH   SOLE NONE 0 0 400
SERVICE PPTYS TR COM SH BEN INT 81761L102 1 275 SH   SOLE NONE 0 0 275
STRYKER CORP COM 863667101 54 300 SH   SOLE NONE 0 0 300
SYSCO CORP COM 871829107 4,597 84,112 SH   SOLE NONE 0 0 84,112
AT&T INC COM 00206R102 67 2,244 SH   SOLE NONE 0 0 2,244
TEMPLETON DRAGON FD INC COM 88018T101 15 748 SH   SOLE NONE 0 0 748
TRUIST FINL CORP COM 89832Q109 23 631 SH   SOLE NONE 0 0 631
HANOVER INS GROUP INC COM 410867105 25 256 SH   SOLE NONE 0 0 256
TJX COS INC NEW COM 872540109 4,553 90,066 SH   SOLE NONE 0 0 90,066
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 12 102 SH   SOLE NONE 0 0 102
SPDR DOUBLELINE TOTAL RETURN T SPDR TR TACTIC 78467V848 248 5,017 SH   SOLE NONE 0 0 5,017
PRICE T ROWE GROUP INC COM 74144T108 101 820 SH   SOLE NONE 0 0 820
UNDER ARMOUR INC CL C 904311206 2 241 SH   SOLE NONE 0 0 241
UNDER ARMOUR INC CL C CL A 904311107 2 240 SH   SOLE NONE 0 0 240
UNITEDHEALTH GROUP INC COM 91324P102 26 90 SH   SOLE NONE 0 0 90
UNION PACIFIC CORP COM 907818108 4,784 28,296 SH   SOLE NONE 0 0 28,296
UNITED PARCEL SERVICE INC CL B 911312106 44 400 SH   SOLE NONE 0 0 400
US BANCORP DEL COM NEW 902973304 3,925 106,622 SH   SOLE NONE 0 0 106,622
ISHARES TR MSCI MIN VOL ETF 46429B697 60 1,000 SH   SOLE NONE 0 0 1,000
VISA INC COM CL A 92826C839 77 400 SH   SOLE NONE 0 0 400
VANGUARD INTERM-TERM CORP BOND INT-TERM CORP 92206C870 243 2,562 SH   SOLE NONE 0 0 2,562
VANGUARD SHORT-TERM CORP BOND SHRT TRM CORP BD 92206C409 301 3,647 SH   SOLE NONE 0 0 3,647
VANGUARD WORLD FDS ENERGY ETF 92204A306 19 386 SH   SOLE NONE 0 0 386
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 8 152 SH   SOLE NONE 0 0 152
VULCAN MATLS CO COM 929160109 8 73 SH   SOLE NONE 0 0 73
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 0 17 SH   SOLE NONE 0 0 17
VANGUARD INDEX FDS MID CAP ETF 922908629 45 275 SH   SOLE NONE 0 0 275
VANGUARD WORLD FDS UTILITIES ETF 92204A876 12 100 SH   SOLE NONE 0 0 100
VANGUARD TOTAL STOCK MKT TOTAL STK MKT 922908769 109 700 SH   SOLE NONE 0 0 700
VANGUARD LARGE CAP INDEX FUND LARGE CAP ETF 922908637 210 1,470 SH   SOLE NONE 0 0 1,470
VERIZON COMMUNICATIONS INC COM 92343V104 232 4,212 SH   SOLE NONE 0 0 4,212
WESTERN DIGITAL CORP. COM 958102105 1 23 SH   SOLE NONE 0 0 23
WORKHORSE GROUP INC COM NEW 98138J206 17 1,000 SH   SOLE NONE 0 0 1,000
WAL-MART STORES INC COM 931142103 6,134 51,218 SH   SOLE NONE 0 0 51,218
WEYERHAEUSER CO MTN BE COM NEW 962166104 9 412 SH   SOLE NONE 0 0 412
UNITED STATES STL CORP NEW COM 912909108 0 9 SH   SOLE NONE 0 0 9
SPDR SERIES TRUST S&P BIOTECH 78464A870 2,410 21,535 SH   SOLE NONE 0 0 21,535
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 77 770 SH   SOLE NONE 0 0 770
EXXON MOBIL CORP COM 30231G102 313 7,010 SH   SOLE NONE 0 0 7,010