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
Expires: July 31, 2015
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
SPDR SER TR PORTFOLIO AGRGTE 78464A649 234,198 9,319 SH SOLE 0 0 9,319
JOHNSON & JOHNSON COM 478160104 858,166 4,858 SH SOLE 0 0 4,858
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,454,000 17,629 SH SOLE 0 0 17,629
SELECTIVE INS GROUP INC COM 816300107 527,584 5,954 SH SOLE 0 0 5,954
HOME DEPOT INC COM 437076102 241,949 766 SH SOLE 0 0 766
PIMCO ETF TR 1-5 US TIP IDX 72201R205 588,621 11,803 SH SOLE 0 0 11,803
ISHARES TR RUS 1000 GRW ETF 464287614 275,513 1,286 SH SOLE 0 0 1,286
ISHARES TR CORE S&P SCP ETF 464287804 927,319 9,798 SH SOLE 0 0 9,798
MICROSOFT CORP COM 594918104 883,616 3,684 SH SOLE 0 0 3,684
VANGUARD INDEX FDS LARGE CAP ETF 922908637 310,947 1,785 SH SOLE 0 0 1,785
CONSOLIDATED EDISON INC COM 209115104 245,879 2,580 SH SOLE 0 0 2,580
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 397,760 2,816 SH SOLE 0 0 2,816
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 578,879 1,874 SH SOLE 0 0 1,874
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,027,402 19,064 SH SOLE 0 0 19,064
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 2,906,014 116,055 SH SOLE 0 0 116,055
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 937,260 42,700 SH SOLE 0 0 42,700
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 4,791,475 93,675 SH SOLE 0 0 93,675
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,298,575 53,483 SH SOLE 0 0 53,483
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,873,789 42,635 SH SOLE 0 0 42,635
VANGUARD INDEX FDS VALUE ETF 922908744 6,303,949 44,910 SH SOLE 0 0 44,910
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 4,637,877 100,627 SH SOLE 0 0 100,627
ISHARES TR MICRO-CAP ETF 464288869 717,955 6,658 SH SOLE 0 0 6,658
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 12,371,666 515,271 SH SOLE 0 0 515,271
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 1,367,806 55,220 SH SOLE 0 0 55,220
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 4,191,909 187,557 SH SOLE 0 0 187,557
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 5,961,318 178,056 SH SOLE 0 0 178,056
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 14,776,362 316,343 SH SOLE 0 0 316,343
SANDY SPRING BANCORP INC COM 800363103 236,781 6,721 SH SOLE 0 0 6,721
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 757,134 10,539 SH SOLE 0 0 10,539
ISHARES TR S&P 500 VAL ETF 464287408 1,211,249 8,349 SH SOLE 0 0 8,349
ISHARES TR S&P 500 GRWT ETF 464287309 1,426,347 24,382 SH SOLE 0 0 24,382
ISHARES TR CORE S&P500 ETF 464287200 27,687,060 72,062 SH SOLE 0 0 72,062
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 1,386,784 61,745 SH SOLE 0 0 61,745
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 3,459,901 82,437 SH SOLE 0 0 82,437
DANAHER CORPORATION COM 235851102 247,902 934 SH SOLE 0 0 934
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 790,526 20,280 SH SOLE 0 0 20,280
ISHARES TR SP SMCP600VL ETF 464287879 436,188 4,777 SH SOLE 0 0 4,777
WOLFSPEED INC COM 977852102 530,365 7,682 SH SOLE 0 0 7,682
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,183,931 15,727 SH SOLE 0 0 15,727
EXXON MOBIL CORP COM 30231G102 365,755 3,316 SH SOLE 0 0 3,316
APPLE INC COM 037833100 1,467,169 11,292 SH SOLE 0 0 11,292
ISHARES TR RUS 1000 ETF 464287622 2,393,475 11,369 SH SOLE 0 0 11,369
ISHARES TR RUS 1000 VAL ETF 464287598 371,542 2,450 SH SOLE 0 0 2,450