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
Vanguard S&P 500 ETF COM 922908363 107,143 453,692 SH   SOLE   0 0 453,692
iShares MSCI EAFE Index COM 464287465 64,240 926,456 SH   SOLE   0 0 926,456
iShares Russell Mid Cap ETF COM 464287499 35,519 176,257 SH   SOLE   0 0 176,257
iShares Barclays Aggregate COM 464287226 14,045 128,503 SH   SOLE   0 0 128,503
iShares Ibonds Dec 2020 Term C COM 46434VAQ3 13,078 512,696 SH   SOLE   0 0 512,696
Vanguard Extended Market ETF COM 922908652 10,373 95,294 SH   SOLE   0 0 95,294
iShares iBZonds Dec 2018 Term COM 46434VAA8 8,271 328,582 SH   SOLE   0 0 328,582
iShares iBonds Dec 2019 Term C COM 46434VAU4 8,013 320,913 SH   SOLE   0 0 320,913
iShares iBonds Dec 2021 Term C COM 46434VBK5 7,803 312,250 SH   SOLE   0 0 312,250
PIMCO Total Return Active ETF COM 72201R775 5,265 49,484 SH   SOLE   0 0 49,484
iShares MSCI EAFE Min Vol COM 46429B689 3,623 50,485 SH   SOLE   0 0 50,485
Schwab Intl Equity ETF COM 808524805 3,441 101,496 SH   SOLE   0 0 101,496
iShares MSCI USA Minimum Volat COM 46429B697 3,269 63,444 SH   SOLE   0 0 63,444
Johnson & Johnson COM 478160104 3,201 22,480 SH   SOLE   0 0 22,480
Microsoft Corp COM 594918104 3,005 38,136 SH   SOLE   0 0 38,136
Amgen Inc COM 031162100 2,957 16,163 SH   SOLE   0 0 16,163
JPMorgan Chase & Company COM 46625H100 2,786 28,000 SH   SOLE   0 0 28,000
Apple Inc COM 037833100 2,615 16,738 SH   SOLE   0 0 16,738
iShares National AMT-Free Muni COM 464288414 2,593 23,346 SH   SOLE   0 0 23,346
WisdomTree MidCap Dividend ETF COM 97717W505 2,563 25,260 SH   SOLE   0 0 25,260
PNC Financial Serv Group Inc COM 693475105 2,428 17,733 SH   SOLE   0 0 17,733
Exxon Mobil Corp COM 30231G102 2,123 25,553 SH   SOLE   0 0 25,553
iShares Russell 1000 Val Index COM 464287598 2,114 17,526 SH   SOLE   0 0 17,526
Procter & Gamble Company COM 742718109 2,047 23,198 SH   SOLE   0 0 23,198
Pfizer Incorporated COM 717081103 1,991 54,694 SH   SOLE   0 0 54,694
Parker Hannifin Corporation COM 701094104 1,927 10,445 SH   SOLE   0 0 10,445
Cisco Systems Inc COM 17275R102 1,899 55,469 SH   SOLE   0 0 55,469
Wal-Mart Stores Inc COM 931142103 1,876 21,463 SH   SOLE   0 0 21,463
American Tower Corp COM 03027X100 1,840 13,234 SH   SOLE   0 0 13,234
Masco Corp COM 574599106 1,775 44,291 SH   SOLE   0 0 44,291
PPL Corp COM 69351T106 1,772 46,956 SH   SOLE   0 0 46,956
Intl Business Mach Corp COM 459200101 1,721 10,624 SH   SOLE   0 0 10,624
Visa Inc COM 92826C839 1,690 15,715 SH   SOLE   0 0 15,715
Verizon Communications COM 92343V104 1,675 33,833 SH   SOLE   0 0 33,833
Ball Corporation COM 058498106 1,586 37,516 SH   SOLE   0 0 37,516
iShares Short-Term National Mu COM 464288158 1,570 14,837 SH   SOLE   0 0 14,837
CH Robinson Worldwide Inc COM 12541W209 1,555 19,861 SH   SOLE   0 0 19,861
Starbucks Corp COM 855244109 1,545 28,321 SH   SOLE   0 0 28,321
Vanguard Emerging Mkts ETF COM 922042858 1,466 32,719 SH   SOLE   0 0 32,719
Gilead Sciences Inc COM 375558103 1,454 17,916 SH   SOLE   0 0 17,916
Qualcomm Inc COM 747525103 1,416 27,225 SH   SOLE   0 0 27,225
Vanguard High Dividend Yield E COM 921946406 1,399 16,811 SH   SOLE   0 0 16,811
Pepsico Inc COM 713448108 1,387 12,430 SH   SOLE   0 0 12,430
Occidental Petroleum COM 674599105 1,379 21,069 SH   SOLE   0 0 21,069
Time Warner Inc New COM 887317303 1,363 13,393 SH   SOLE   0 0 13,393
Motorola Solutions Inc COM 620076307 1,287 14,305 SH   SOLE   0 0 14,305
Invesco Ltd Shares COM G491BT108 1,178 31,551 SH   SOLE   0 0 31,551
Schlumberger Inc COM 806857108 1,176 18,627 SH   SOLE   0 0 18,627
Wells Fargo & Co New COM 949746101 1,162 21,167 SH   SOLE   0 0 21,167
Fresenius Medical Care AG & Co COM 358029106 1,131 23,139 SH   SOLE   0 0 23,139
iShares Core MSCI EAFE COM 46432F842 1,092 16,834 SH   SOLE   0 0 16,834
Kingfisher PLC SPONSORED ADR 495724403 1,084 133,883 SH   SOLE   0 0 133,883
iShares MSCI EAFE Growth Index COM 464288885 1,075 13,694 SH   SOLE   0 0 13,694
V F Corporation COM 918204108 999 15,064 SH   SOLE   0 0 15,064
iSHARES Dow Jones Intl Select COM 464288448 934 27,604 SH   SOLE   0 0 27,604
CBS Corp COM 124857202 881 14,965 SH   SOLE   0 0 14,965
Nuveen Maryland Quality Muni I COM 67061Q107 822 64,182 SH   SOLE   0 0 64,182
Discover Financial Services COM 254709108 811 12,183 SH   SOLE   0 0 12,183
Market Vectors AMT-Free Interm COM 92189F544 736 30,456 SH   SOLE   0 0 30,456
Fifth Third Bancorp COM 316773100 554 19,403 SH   SOLE   0 0 19,403
Schwab Em Mkts Equity ETF COM 808524706 452 16,365 SH   SOLE   0 0 16,365
AT&T Inc COM 00206R102 449 12,641 SH   SOLE   0 0 12,641
Intel Corp COM 458140100 427 10,584 SH   SOLE   0 0 10,584
National Bank Holdings Corpora COM 633707104 415 12,596 SH   SOLE   0 0 12,596
General Electric Co COM 369604103 404 16,974 SH   SOLE   0 0 16,974
Ford Motor Co COM 345370860 319 26,389 SH   SOLE   0 0 26,389
BlackRock Maryland Muni COM 09249L105 233 16,377 SH   SOLE   0 0 16,377
Kinder Morgan Inc DE COM 49456B101 200 10,886 SH   SOLE   0 0 10,886