Strategic Financial Services, Inc, 13F-HR Quarterly holdings report by institutional manager

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 Nuveen Barclays Cap. Shor	ETF	78464A425	623	12,660	SH		SOLE		12,660	0	0
Vanguard Intermediate-Term Bon	ETF	921937819	1,860	21,050	SH		SOLE		21,050	0	0
Vanguard Short-Term Bond ETF	ETF	921937827	2,209	27,240	SH		SOLE		27,240	0	0
iShares Barclays Interm Govt/C	ETF	464288612	20,541	181,252	SH		SOLE		181,252	0	0
AT&T Inc.	COM	00206R102	984	22,730	SH		SOLE		22,730	0	0
Alphabet, Inc. - Class C Non-V	COM	02079K107	3,814	4,961	SH		SOLE		4,961	0	0
Anthem, Inc.	COM	036752103	3,532	26,890	SH		SOLE		26,890	0	0
Apple Inc.	COM	037833100	8,459	81,169	SH		SOLE		81,169	0	0
BB & T Corp.	COM	054937107	4,942	134,025	SH		SOLE		134,025	0	0
Baxter International Inc.	COM	071813109	3,916	81,559	SH		SOLE		81,559	0	0
BlackRock, Inc.	COM	09247X101	4,305	11,753	SH		SOLE		11,753	0	0
Boeing Co.	COM	097023105	2,687	20,100	SH		SOLE		20,100	0	0
CVS Health Corporation	COM	126650100	2,976	32,095	SH		SOLE		32,095	0	0
Carters Inc.	COM	146229109	3,768	37,216	SH		SOLE		37,216	0	0
Caterpillar Inc.	COM	149123101	3,537	42,733	SH		SOLE		42,733	0	0
Chevron Corp.	COM	166764100	3,762	36,714	SH		SOLE		36,714	0	0
Church & Dwight Co. Inc.	COM	171340102	1,770	18,015	SH		SOLE		18,015	0	0
Cognizant Technology Solutions	COM	192446102	3,732	64,910	SH		SOLE		64,910	0	0
Colgate Palmolive Co.	COM	194162103	4,261	57,245	SH		SOLE		57,245	0	0
Costco Wholesale Corp.	COM	22160K105	1,875	11,215	SH		SOLE		11,215	0	0
Deere & Co.	COM	244199105	3,016	38,809	SH		SOLE		38,809	0	0
Dentsply Sirona Inc.	COM	24906P109	3,345	52,236	SH		SOLE		52,236	0	0
Dollar Tree, Inc.	COM	256746108	4,391	45,600	SH		SOLE		45,600	0	0
EMC Corp.	COM	268648102	3,277	115,877	SH		SOLE		115,877	0	0
EOG Resources, Inc.	COM	26875P101	2,644	32,358	SH		SOLE		32,358	0	0
Expedia, Inc.	COM	30212P303	1,980	16,975	SH		SOLE		16,975	0	0
Exxon Mobil Corp.	COM	30231G102	7,868	88,451	SH		SOLE		88,451	0	0
FactSet Research Systems Inc.	COM	303075105	3,403	19,790	SH		SOLE		19,790	0	0
Fastenal Co.	COM	311900104	2,092	48,933	SH		SOLE		48,933	0	0
General Electric Co.	COM	369604103	5,959	191,346	SH		SOLE		191,346	0	0
HSBC Holdings PLC ADR	COM	404280406	2,488	75,980	SH		SOLE		75,980	0	0
Hain Celestial Group	COM	405217100	3,996	75,693	SH		SOLE		75,693	0	0
Halliburton Co.	COM	406216101	3,928	89,979	SH		SOLE		89,979	0	0
Hexcel Corp.	COM	428291108	2,728	63,202	SH		SOLE		63,202	0	0
Honeywell International Inc.	COM	438516106	4,489	38,588	SH		SOLE		38,588	0	0
Intel Corp.	COM	458140100	3,103	89,013	SH		SOLE		89,013	0	0
International Business Machine	COM	459200101	1,464	9,112	SH		SOLE		9,112	0	0
JP Morgan Chase & Co.	COM	46625H100	5,100	79,725	SH		SOLE		79,725	0	0
Johnson & Johnson	COM	478160104	3,720	29,704	SH		SOLE		29,704	0	0
Johnson Controls Inc.	COM	478366107	2,836	61,758	SH		SOLE		61,758	0	0
M&T Bank Corp.	COM	55261F104	5,033	43,931	SH		SOLE		43,931	0	0
Materials Select Sector SPDR	COM	81369Y100	3,393	69,681	SH		SOLE		69,681	0	0
McCormick & Co. Inc.	COM	579780206	1,943	18,999	SH		SOLE		18,999	0	0
McKesson Corp.	COM	58155Q103	4,912	25,249	SH		SOLE		25,249	0	0
Medtronic, Plc.	COM	G5960L103	4,862	55,480	SH		SOLE		55,480	0	0
Merck & Co.	COM	58933Y105	3,803	64,835	SH		SOLE		64,835	0	0
Microsoft Corp.	COM	594918104	3,520	62,104	SH		SOLE		62,104	0	0
Mondelez International, Inc.	COM	609207105	3,055	69,458	SH		SOLE		69,458	0	0
NXP Semiconductors	COM	N6596X109	2,903	34,520	SH		SOLE		34,520	0	0
NextEra Energy, Inc.	COM	65339f101	4,796	37,384	SH		SOLE		37,384	0	0
Nike Inc.	COM	654106103	2,781	50,116	SH		SOLE		50,116	0	0
Occidental Petroleum Corp.	COM	674599105	2,680	35,859	SH		SOLE		35,859	0	0
Oracle Corp.	COM	68389X105	3,278	79,866	SH		SOLE		79,866	0	0
PPG Industries Inc.	COM	693506107	243	2,322	SH		SOLE		2,322	0	0
Pepsico Inc.	COM	713448108	4,550	41,771	SH		SOLE		41,771	0	0
Pfizer Inc.	COM	717081103	5,350	145,015	SH		SOLE		145,015	0	0
Phillips 66	COM	718546104	2,290	30,102	SH		SOLE		30,102	0	0
Praxair Inc.	COM	74005P104	2,233	19,160	SH		SOLE		19,160	0	0
Priceline Group Inc.	COM	741503403	3,309	2,450	SH		SOLE		2,450	0	0
Procter & Gamble Co.	COM	742718109	3,333	38,943	SH		SOLE		38,943	0	0
Prudential Financial	COM	744320102	2,466	32,750	SH		SOLE		32,750	0	0
QUALCOMM, Inc.	COM	747525103	4,350	69,513	SH		SOLE		69,513	0	0
SPDR S&P Biotech ETF	COM	78464A870	2,300	37,055	SH		SOLE		37,055	0	0
Schlumberger Ltd.	COM	806857108	3,875	48,128	SH		SOLE		48,128	0	0
Skyworks Solutions Inc.	COM	83088M102	2,994	45,343	SH		SOLE		45,343	0	0
Spectra Energy	COM	847560109	2,383	66,256	SH		SOLE		66,256	0	0
Stericycle, Inc	COM	858912108	1,756	19,450	SH		SOLE		19,450	0	0
T. Rowe Price Group Inc.	COM	74144T108	1,829	25,877	SH		SOLE		25,877	0	0
The Bank of New York Mellon Co	COM	064058100	4,171	105,867	SH		SOLE		105,867	0	0
The Travelers Companies, Inc.	COM	89417E109	3,496	30,085	SH		SOLE		30,085	0	0
Time Warner Inc.	COM	887317303	3,750	48,920	SH		SOLE		48,920	0	0
US Bancorp	COM	902973304	3,223	76,431	SH		SOLE		76,431	0	0
Ulta Salon, Cosmetics & Fragra	COM	90384S303	3,535	13,532	SH		SOLE		13,532	0	0
Union Pacific Corporation	COM	907818108	3,490	37,504	SH		SOLE		37,504	0	0
United Technologies Corp.	COM	913017109	2,669	24,795	SH		SOLE		24,795	0	0
UnitedHealth Group Inc.	COM	91324P102	5,101	35,623	SH		SOLE		35,623	0	0
VanEck Vectors Biotech ETF	COM	92189F726	3,122	27,062	SH		SOLE		27,062	0	0
Ventas Inc.	COM	92276F100	3,506	46,030	SH		SOLE		46,030	0	0
Verizon Communications Inc.	COM	92343V104	4,173	75,315	SH		SOLE		75,315	0	0
Visa Inc.	COM	92826C839	4,949	63,407	SH		SOLE		63,407	0	0
WEC Energy Group	COM	92939U106	3,522	54,262	SH		SOLE		54,262	0	0
Wal-Mart Stores	COM	931142103	2,448	33,553	SH		SOLE		33,553	0	0
Walt Disney Co.	COM	254687106	3,134	32,666	SH		SOLE		32,666	0	0
Williams-Sonoma, Inc.	COM	969904101	3,199	59,150	SH		SOLE		59,150	0	0
Xylem Inc.	COM	98419M100	2,623	54,866	SH		SOLE		54,866	0	0
Yum Brands Inc.	COM	988498101	1,677	18,751	SH		SOLE		18,751	0	0
SPDR Gold Trust	ETF	78463V107	17,319	134,280	SH		SOLE		134,280	0	0
Vanguard Small-Cap Value Inde	ETF	922908611	386	3,502	SH		SOLE		3,502	0	0
Vanguard Dividend Appreciation	ETF	921908844	21,081	247,571	SH		SOLE		247,571	0	0
Vanguard FTSE All-World ex-US	ETF	922042775	3,262	73,017	SH		SOLE		73,017	0	0
Vanguard Index Fund Small Cap	ETF	922908751	280	2,302	SH		SOLE		2,302	0	0
Vanguard REIT Index	ETF	922908553	12,812	138,587	SH		SOLE		138,587	0	0
Vanguard Total Stock Market ET	ETF	922908769	3,120	28,003	SH		SOLE		28,003	0	0
iShares Core MSCI EAFE	ETF	46432F842	53,338	986,639	SH		SOLE		986,639	0	0
iShares Core MSCI Emerging Mar	ETF	46434G103	30,142	685,503	SH		SOLE		685,503	0	0
iShares Russell 1000 Growth In	ETF	464287614	24,572	234,640	SH		SOLE		234,640	0	0
iShares Russell 2000 Index	ETF	464287655	24,802	204,860	SH		SOLE		204,860	0	0