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	618	12,660	SH		SOLE		12,660	0	0
Schwab US Aggregate Bond ETF	ETF	808524839	1,686	31,405	SH		SOLE		31,405	0	0
Vanguard Intermediate-Term Bon	ETF	921937819	1,558	17,769	SH		SOLE		17,769	0	0
Vanguard Short-Term Bond ETF	ETF	921937827	2,496	30,879	SH		SOLE		30,879	0	0
iShares Barclays Interm Govt/C	ETF	464288612	21,580	191,242	SH		SOLE		191,242	0	0
AT&T Inc.	COM	00206R102	802	19,741	SH		SOLE		19,741	0	0
Alphabet, Inc. - Class C Non-V	COM	02079K107	3,900	5,017	SH		SOLE		5,017	0	0
Anthem, Inc.	COM	036752103	3,388	27,040	SH		SOLE		27,040	0	0
Apple Inc.	COM	037833100	9,137	80,820	SH		SOLE		80,820	0	0
BB & T Corp.	COM	054937107	5,066	134,295	SH		SOLE		134,295	0	0
Baxter International Inc.	COM	071813109	3,889	81,704	SH		SOLE		81,704	0	0
BlackRock, Inc.	COM	09247X101	4,285	11,823	SH		SOLE		11,823	0	0
Boeing Co.	COM	097023105	2,657	20,170	SH		SOLE		20,170	0	0
C. H. Robinson Worldwide Inc.	COM	12541W209	1,978	28,075	SH		SOLE		28,075	0	0
CVS Health Corporation	COM	126650100	3,803	42,735	SH		SOLE		42,735	0	0
Carters Inc.	COM	146229109	3,253	37,521	SH		SOLE		37,521	0	0
Caterpillar Inc.	COM	149123101	3,814	42,968	SH		SOLE		42,968	0	0
Chevron Corp.	COM	166764100	3,788	36,809	SH		SOLE		36,809	0	0
Church & Dwight Co. Inc.	COM	171340102	1,732	36,145	SH		SOLE		36,145	0	0
Cisco Systems Inc.	COM	17275R102	2,133	67,247	SH		SOLE		67,247	0	0
Cognizant Technology Solutions	COM	192446102	4,334	90,850	SH		SOLE		90,850	0	0
Colgate Palmolive Co.	COM	194162103	3,629	48,945	SH		SOLE		48,945	0	0
Costco Wholesale Corp.	COM	22160K105	1,721	11,285	SH		SOLE		11,285	0	0
Deere & Co.	COM	244199105	4,016	47,059	SH		SOLE		47,059	0	0
Dell Technologies Inc.	COM	24703L103	614	12,835	SH		SOLE		12,835	0	0
Dentsply Sirona Inc.	COM	24906P109	3,127	52,616	SH		SOLE		52,616	0	0
Dollar Tree, Inc.	COM	256746108	3,685	46,688	SH		SOLE		46,688	0	0
EOG Resources, Inc.	COM	26875P101	2,165	22,388	SH		SOLE		22,388	0	0
EQT Corp.	COM	26884L109	2,106	29,005	SH		SOLE		29,005	0	0
Expedia, Inc.	COM	30212P303	1,988	17,030	SH		SOLE		17,030	0	0
Exxon Mobil Corp.	COM	30231G102	7,617	87,268	SH		SOLE		87,268	0	0
FactSet Research Systems Inc.	COM	303075105	3,231	19,935	SH		SOLE		19,935	0	0
Fastenal Co.	COM	311900104	2,053	49,133	SH		SOLE		49,133	0	0
General Electric Co.	COM	369604103	5,665	191,265	SH		SOLE		191,265	0	0
HSBC Holdings PLC ADR	COM	404280406	2,869	76,295	SH		SOLE		76,295	0	0
Hain Celestial Group	COM	405217100	2,767	77,768	SH		SOLE		77,768	0	0
Halliburton Co.	COM	406216101	309	6,874	SH		SOLE		6,874	0	0
Hexcel Corp.	COM	428291108	2,813	63,497	SH		SOLE		63,497	0	0
Honeywell International Inc.	COM	438516106	3,647	31,283	SH		SOLE		31,283	0	0
Intel Corp.	COM	458140100	3,352	88,805	SH		SOLE		88,805	0	0
International Business Machine	COM	459200101	1,416	8,916	SH		SOLE		8,916	0	0
JP Morgan Chase & Co.	COM	46625H100	5,254	78,905	SH		SOLE		78,905	0	0
Johnson & Johnson	COM	478160104	3,516	29,764	SH		SOLE		29,764	0	0
Johnson Controls International	COM	G51502105	2,417	51,950	SH		SOLE		51,950	0	0
LKQ Corp.	COM	501889208	1,948	54,940	SH		SOLE		54,940	0	0
M&T Bank Corp.	COM	55261F104	5,125	44,147	SH		SOLE		44,147	0	0
Materials Select Sector SPDR	COM	81369Y100	3,346	70,066	SH		SOLE		70,066	0	0
McCormick & Co. Inc.	COM	579780206	1,905	19,069	SH		SOLE		19,069	0	0
McKesson Corp.	COM	58155Q103	4,193	25,144	SH		SOLE		25,144	0	0
Medtronic, Plc.	COM	G5960L103	4,815	55,725	SH		SOLE		55,725	0	0
Merck & Co.	COM	58933Y105	4,061	65,075	SH		SOLE		65,075	0	0
Microsoft Corp.	COM	594918104	3,605	62,579	SH		SOLE		62,579	0	0
Mondelez International, Inc.	COM	609207105	3,069	69,918	SH		SOLE		69,918	0	0
NXP Semiconductors	COM	N6596X109	3,545	34,755	SH		SOLE		34,755	0	0
NextEra Energy, Inc.	COM	65339f101	4,595	37,569	SH		SOLE		37,569	0	0
Nike Inc.	COM	654106103	2,653	50,381	SH		SOLE		50,381	0	0
Occidental Petroleum Corp.	COM	674599105	2,625	35,999	SH		SOLE		35,999	0	0
Oracle Corp.	COM	68389X105	3,159	80,411	SH		SOLE		80,411	0	0
PPG Industries Inc.	COM	693506107	240	2,322	SH		SOLE		2,322	0	0
Pepsico Inc.	COM	713448108	3,862	35,506	SH		SOLE		35,506	0	0
Pfizer Inc.	COM	717081103	4,479	132,245	SH		SOLE		132,245	0	0
Phillips 66	COM	718546104	2,439	30,276	SH		SOLE		30,276	0	0
Praxair Inc.	COM	74005P104	2,328	19,270	SH		SOLE		19,270	0	0
Priceline Group Inc.	COM	741503403	3,613	2,455	SH		SOLE		2,455	0	0
Procter & Gamble Co.	COM	742718109	3,521	39,233	SH		SOLE		39,233	0	0
Prudential Financial	COM	744320102	2,665	32,636	SH		SOLE		32,636	0	0
QUALCOMM, Inc.	COM	747525103	4,733	69,093	SH		SOLE		69,093	0	0
SPDR S&P Biotech ETF	COM	78464A870	3,315	50,010	SH		SOLE		50,010	0	0
Schlumberger Ltd.	COM	806857108	3,848	48,928	SH		SOLE		48,928	0	0
Skyworks Solutions Inc.	COM	83088M102	4,267	56,043	SH		SOLE		56,043	0	0
Spectra Energy	COM	847560109	2,844	66,521	SH		SOLE		66,521	0	0
Stericycle, Inc	COM	858912108	1,650	20,585	SH		SOLE		20,585	0	0
T. Rowe Price Group Inc.	COM	74144T108	1,712	25,742	SH		SOLE		25,742	0	0
The Bank of New York Mellon Co	COM	064058100	4,219	105,782	SH		SOLE		105,782	0	0
The Travelers Companies, Inc.	COM	89417E109	3,471	30,305	SH		SOLE		30,305	0	0
Time Warner Inc.	COM	887317303	3,917	49,205	SH		SOLE		49,205	0	0
US Bancorp	COM	902973304	3,299	76,926	SH		SOLE		76,926	0	0
Ulta Salon, Cosmetics & Fragra	COM	90384S303	3,231	13,577	SH		SOLE		13,577	0	0
Union Pacific Corporation	COM	907818108	3,674	37,674	SH		SOLE		37,674	0	0
United Technologies Corp.	COM	913017109	2,534	24,945	SH		SOLE		24,945	0	0
UnitedHealth Group Inc.	COM	91324P102	5,012	35,798	SH		SOLE		35,798	0	0
VanEck Vectors Biotech ETF	COM	92189F726	3,131	27,177	SH		SOLE		27,177	0	0
Ventas Inc.	COM	92276F100	3,265	46,225	SH		SOLE		46,225	0	0
Verizon Communications Inc.	COM	92343V104	3,879	74,618	SH		SOLE		74,618	0	0
Visa Inc.	COM	92826C839	5,276	63,796	SH		SOLE		63,796	0	0
WEC Energy Group	COM	92939U106	3,270	54,607	SH		SOLE		54,607	0	0
Wal-Mart Stores	COM	931142103	2,434	33,753	SH		SOLE		33,753	0	0
Walt Disney Co.	COM	254687106	3,586	38,616	SH		SOLE		38,616	0	0
Williams-Sonoma, Inc.	COM	969904101	3,050	59,715	SH		SOLE		59,715	0	0
Xylem Inc.	COM	98419M100	2,908	55,436	SH		SOLE		55,436	0	0
SPDR Gold Trust	ETF	78463V107	16,845	134,075	SH		SOLE		134,075	0	0
Schwab International Equity ET	ETF	808524805	523	18,174	SH		SOLE		18,174	0	0
Schwab US Large-Cap ETF	ETF	808524201	1,678	32,515	SH		SOLE		32,515	0	0
Vanguard Small-Cap Value Inde	ETF	922908611	403	3,642	SH		SOLE		3,642	0	0
Vanguard Dividend Appreciation	ETF	921908844	20,538	244,707	SH		SOLE		244,707	0	0
Vanguard FTSE All-World ex-US	ETF	922042775	3,068	67,523	SH		SOLE		67,523	0	0
Vanguard Index Fund Small Cap	ETF	922908751	281	2,302	SH		SOLE		2,302	0	0
Vanguard REIT Index	ETF	922908553	12,165	140,242	SH		SOLE		140,242	0	0
Vanguard Total Stock Market ET	ETF	922908769	2,628	23,605	SH		SOLE		23,605	0	0
iShares Core MSCI EAFE	ETF	46432F842	54,889	995,454	SH		SOLE		995,454	0	0
iShares Core MSCI Emerging Mar	ETF	46434G103	30,999	679,644	SH		SOLE		679,644	0	0
iShares Russell 1000 Growth In	ETF	464287614	23,848	228,931	SH		SOLE		228,931	0	0
iShares Russell 2000 Index	ETF	464287655	25,470	205,058	SH		SOLE		205,058	0	0