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
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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 331,832 11,941 SH SOLE 0 0 11,941
JOHNSON & JOHNSON COM 478160104 844,501 4,765 SH SOLE 0 0 4,765
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,195,239 11,029 SH SOLE 0 0 11,029
SELECTIVE INS GROUP INC COM 816300107 615,601 6,889 SH SOLE 0 0 6,889
PIMCO ETF TR 1-5 US TIP IDX 72201R205 296,070 5,434 SH SOLE 0 0 5,434
ISHARES TR RUS 1000 GRW ETF 464287614 347,038 1,250 SH SOLE 0 0 1,250
ISHARES TR CORE S&P SCP ETF 464287804 1,057,049 9,798 SH SOLE 0 0 9,798
MICROSOFT CORP COM 594918104 1,123,634 3,644 SH SOLE 0 0 3,644
VANGUARD INDEX FDS LARGE CAP ETF 922908637 241,431 1,158 SH SOLE 0 0 1,158
CONSOLIDATED EDISON INC COM 209115104 238,761 2,522 SH SOLE 0 0 2,522
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 449,158 2,848 SH SOLE 0 0 2,848
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 651,825 1,847 SH SOLE 0 0 1,847
BROWN FORMAN CORP CL B 115637209 202,869 3,027 SH SOLE 0 0 3,027
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,378,870 19,205 SH SOLE 0 0 19,205
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 501,497 15,910 SH SOLE 0 0 15,910
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 335,692 11,925 SH SOLE 0 0 11,925
FORTUNE BRANDS HOME & SEC IN COM 34964C106 207,984 2,800 SH SOLE 0 0 2,800
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 4,232,542 75,500 SH SOLE 0 0 75,500
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,195,586 43,350 SH SOLE 0 0 43,350
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,977,481 42,453 SH SOLE 0 0 42,453
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 296,722 11,893 SH SOLE 0 0 11,893
VANGUARD INDEX FDS VALUE ETF 922908744 5,033,523 34,061 SH SOLE 0 0 34,061
ISHARES TR MICRO-CAP ETF 464288869 853,514 6,624 SH SOLE 0 0 6,624
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 15,395,713 300,639 SH SOLE 0 0 300,639
SANDY SPRING BANCORP INC COM 800363103 301,907 6,721 SH SOLE 0 0 6,721
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,726,427 46,850 SH SOLE 0 0 46,850
ISHARES TR S&P 500 VAL ETF 464287408 1,299,765 8,347 SH SOLE 0 0 8,347
ISHARES TR S&P 500 GRWT ETF 464287309 1,862,297 24,382 SH SOLE 0 0 24,382
ISHARES TR CORE S&P500 ETF 464287200 35,481,153 78,206 SH SOLE 0 0 78,206
JPMORGAN CHASE & CO COM 46625H100 201,481 1,478 SH SOLE 0 0 1,478
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,092,698 85,211 SH SOLE 0 0 85,211
DANAHER CORPORATION COM 235851102 273,970 934 SH SOLE 0 0 934
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,058,936 22,955 SH SOLE 0 0 22,955
ISHARES TR SP SMCP600VL ETF 464287879 489,117 4,777 SH SOLE 0 0 4,777
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 217,464 2,792 SH SOLE 0 0 2,792
EXXON MOBIL CORP COM 30231G102 266,022 3,221 SH SOLE 0 0 3,221
APPLE INC COM 037833100 1,874,788 10,737 SH SOLE 0 0 10,737
DISNEY WALT CO COM 254687106 250,866 1,829 SH SOLE 0 0 1,829
ISHARES TR RUS 1000 ETF 464287622 4,862,313 19,444 SH SOLE 0 0 19,444
ISHARES TR RUS 1000 VAL ETF 464287598 390,385 2,352 SH SOLE 0 0 2,352