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

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
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 Barclays International Co	ETF	78464A151	473	15,108	SH		SOLE		15,108	0	0
SPDR Nuveen Barclays Cap. Shor	ETF	78464A425	441	9,110	SH		SOLE		9,110	0	0
Schwab Short-Term US Treasury	ETF	808524862	444	8,795	SH		SOLE		8,795	0	0
Schwab US Aggregate Bond ETF	ETF	808524839	4,020	77,615	SH		SOLE		77,615	0	0
Schwab US TIPS ETF	ETF	808524870	337	6,085	SH		SOLE		6,085	0	0
Vanguard Intermediate-Term Bon	ETF	921937819	1,420	16,988	SH		SOLE		16,988	0	0
Vanguard Short Term Corp Bond	ETF	92206C409	649	8,145	SH		SOLE		8,145	0	0
Vanguard Short-Term Bond ETF	ETF	921937827	4,538	56,919	SH		SOLE		56,919	0	0
iShares Barclays Interm Govt/C	ETF	464288612	28,459	258,245	SH		SOLE		258,245	0	0
AT&T Inc.	COM	00206R102	865	20,810	SH		SOLE		20,810	0	0
AbbVie Inc.	COM	00287Y109	282	4,322	SH		SOLE		4,322	0	0
Alphabet, Inc. - Class C Non-V	COM	02079K107	4,141	4,992	SH		SOLE		4,992	0	0
Anthem, Inc.	COM	036752103	4,338	26,230	SH		SOLE		26,230	0	0
Apple Inc.	COM	037833100	9,946	69,234	SH		SOLE		69,234	0	0
BB & T Corp.	COM	054937107	4,987	111,555	SH		SOLE		111,555	0	0
Baxter International Inc.	COM	071813109	4,276	82,454	SH		SOLE		82,454	0	0
Berkshire Hathaway CL B	COM	084670702	213	1,278	SH		SOLE		1,278	0	0
BlackRock, Inc.	COM	09247X101	4,561	11,894	SH		SOLE		11,894	0	0
Boeing Co.	COM	097023105	3,589	20,295	SH		SOLE		20,295	0	0
C. H. Robinson Worldwide Inc.	COM	12541W209	2,168	28,051	SH		SOLE		28,051	0	0
CVS Health Corporation	COM	126650100	5,126	65,294	SH		SOLE		65,294	0	0
Carters Inc.	COM	146229109	3,417	38,051	SH		SOLE		38,051	0	0
Caterpillar Inc.	COM	149123101	3,083	33,238	SH		SOLE		33,238	0	0
Chevron Corp.	COM	166764100	4,013	37,372	SH		SOLE		37,372	0	0
Church & Dwight Co. Inc.	COM	171340102	1,789	35,875	SH		SOLE		35,875	0	0
Cisco Systems Inc.	COM	17275R102	2,388	70,664	SH		SOLE		70,664	0	0
Cognizant Technology Solutions	COM	192446102	5,335	89,635	SH		SOLE		89,635	0	0
Colgate Palmolive Co.	COM	194162103	3,576	48,860	SH		SOLE		48,860	0	0
Comcast Corp Class A	COM	20030N101	223	5,920	SH		SOLE		5,920	0	0
Costco Wholesale Corp.	COM	22160K105	1,917	11,432	SH		SOLE		11,432	0	0
Deere & Co.	COM	244199105	3,606	33,124	SH		SOLE		33,124	0	0
Dell Technologies Inc.	COM	24703L103	838	13,077	SH		SOLE		13,077	0	0
Dentsply Sirona Inc.	COM	24906P109	3,249	52,033	SH		SOLE		52,033	0	0
Dollar Tree, Inc.	COM	256746108	3,629	46,248	SH		SOLE		46,248	0	0
EOG Resources, Inc.	COM	26875P101	2,168	22,223	SH		SOLE		22,223	0	0
EQT Corp.	COM	26884L109	1,850	30,285	SH		SOLE		30,285	0	0
Enbridge Inc.	COM	29250N105	2,731	65,267	SH		SOLE		65,267	0	0
Expedia, Inc.	COM	30212P303	2,126	16,850	SH		SOLE		16,850	0	0
Exxon Mobil Corp.	COM	30231G102	7,073	86,247	SH		SOLE		86,247	0	0
FactSet Research Systems Inc.	COM	303075105	3,245	19,680	SH		SOLE		19,680	0	0
Fastenal Co.	COM	311900104	2,534	49,213	SH		SOLE		49,213	0	0
General Electric Co.	COM	369604103	5,569	186,881	SH		SOLE		186,881	0	0
HSBC Holdings PLC ADR	COM	404280406	3,106	76,095	SH		SOLE		76,095	0	0
Hain Celestial Group	COM	405217100	2,876	77,323	SH		SOLE		77,323	0	0
Halliburton Co.	COM	406216101	316	6,420	SH		SOLE		6,420	0	0
Hexcel Corp.	COM	428291108	3,373	61,837	SH		SOLE		61,837	0	0
Honeywell International Inc.	COM	438516106	3,958	31,697	SH		SOLE		31,697	0	0
IPG Photonics Corporation	COM	44980X109	205	1,700	SH		SOLE		1,700	0	0
Intel Corp.	COM	458140100	3,206	88,881	SH		SOLE		88,881	0	0
International Business Machine	COM	459200101	1,236	7,096	SH		SOLE		7,096	0	0
JP Morgan Chase & Co.	COM	46625H100	6,788	77,278	SH		SOLE		77,278	0	0
Johnson & Johnson	COM	478160104	3,704	29,743	SH		SOLE		29,743	0	0
Johnson Controls International	COM	G51502105	2,179	51,743	SH		SOLE		51,743	0	0
LKQ Corp.	COM	501889208	2,525	86,260	SH		SOLE		86,260	0	0
M&T Bank Corp.	COM	55261F104	6,354	41,065	SH		SOLE		41,065	0	0
Materials Select Sector SPDR	COM	81369Y100	3,612	68,926	SH		SOLE		68,926	0	0
McCormick & Co. Inc.	COM	579780206	1,841	18,874	SH		SOLE		18,874	0	0
McKesson Corp.	COM	58155Q103	3,701	24,964	SH		SOLE		24,964	0	0
Medtronic, Plc.	COM	G5960L103	4,683	58,126	SH		SOLE		58,126	0	0
Merck & Co.	COM	58933Y105	4,125	64,925	SH		SOLE		64,925	0	0
Microsoft Corp.	COM	594918104	4,189	63,606	SH		SOLE		63,606	0	0
Mondelez International, Inc.	COM	609207105	2,997	69,565	SH		SOLE		69,565	0	0
NXP Semiconductors	COM	N6596X109	3,558	34,380	SH		SOLE		34,380	0	0
NextEra Energy, Inc.	COM	65339f101	4,835	37,667	SH		SOLE		37,667	0	0
Nike Inc.	COM	654106103	2,798	50,201	SH		SOLE		50,201	0	0
Occidental Petroleum Corp.	COM	674599105	2,278	35,958	SH		SOLE		35,958	0	0
Oracle Corp.	COM	68389X105	3,594	80,573	SH		SOLE		80,573	0	0
PPG Industries Inc.	COM	693506107	240	2,286	SH		SOLE		2,286	0	0
Pepsico Inc.	COM	713448108	3,977	35,557	SH		SOLE		35,557	0	0
Pfizer Inc.	COM	717081103	4,604	134,587	SH		SOLE		134,587	0	0
Phillips 66	COM	718546104	2,411	30,438	SH		SOLE		30,438	0	0
Praxair Inc.	COM	74005P104	2,281	19,230	SH		SOLE		19,230	0	0
Priceline Group Inc.	COM	741503403	4,397	2,470	SH		SOLE		2,470	0	0
Procter & Gamble Co.	COM	742718109	3,515	39,123	SH		SOLE		39,123	0	0
Prudential Financial	COM	744320102	3,343	31,334	SH		SOLE		31,334	0	0
QUALCOMM, Inc.	COM	747525103	3,991	69,611	SH		SOLE		69,611	0	0
Reynolds American Inc.	COM	761713106	205	3,256	SH		SOLE		3,256	0	0
SPDR S&P Biotech ETF	COM	78464A870	3,466	49,990	SH		SOLE		49,990	0	0
Schlumberger Ltd.	COM	806857108	3,893	49,844	SH		SOLE		49,844	0	0
Skyworks Solutions Inc.	COM	83088M102	5,404	55,154	SH		SOLE		55,154	0	0
The Bank of New York Mellon Co	COM	064058100	4,892	103,587	SH		SOLE		103,587	0	0
The Travelers Companies, Inc.	COM	89417E109	3,645	30,235	SH		SOLE		30,235	0	0
Time Warner Inc.	COM	887317303	4,797	49,099	SH		SOLE		49,099	0	0
US Bancorp	COM	902973304	3,949	76,687	SH		SOLE		76,687	0	0
Ulta Salon, Cosmetics & Fragra	COM	90384S303	2,251	7,892	SH		SOLE		7,892	0	0
Union Pacific Corporation	COM	907818108	3,984	37,613	SH		SOLE		37,613	0	0
United Technologies Corp.	COM	913017109	2,780	24,773	SH		SOLE		24,773	0	0
UnitedHealth Group Inc.	COM	91324P102	5,815	35,454	SH		SOLE		35,454	0	0
VanEck Vectors Biotech ETF	COM	92189F726	3,216	27,012	SH		SOLE		27,012	0	0
Ventas Inc.	COM	92276F100	3,000	46,130	SH		SOLE		46,130	0	0
Verizon Communications Inc.	COM	92343V104	3,672	75,321	SH		SOLE		75,321	0	0
Visa Inc.	COM	92826C839	5,668	63,781	SH		SOLE		63,781	0	0
WEC Energy Group	COM	92939U106	3,303	54,486	SH		SOLE		54,486	0	0
Wal-Mart Stores	COM	931142103	2,446	33,932	SH		SOLE		33,932	0	0
Walt Disney Co.	COM	254687106	4,381	38,638	SH		SOLE		38,638	0	0
Williams-Sonoma, Inc.	COM	969904101	3,213	59,920	SH		SOLE		59,920	0	0
Xylem Inc.	COM	98419M100	2,767	55,091	SH		SOLE		55,091	0	0
ETFS Physical Swiss Gold	ETF	26922Y105	350	2,888	SH		SOLE		2,888	0	0
SPDR Gold Trust	ETF	78463V107	16,554	139,438	SH		SOLE		139,438	0	0
Schwab Emerging Markets Equity	ETF	808524706	453	18,903	SH		SOLE		18,903	0	0
Schwab International Equity ET	ETF	808524805	1,706	57,117	SH		SOLE		57,117	0	0
Schwab US Large-Cap ETF	ETF	808524201	5,615	99,795	SH		SOLE		99,795	0	0
Schwab US REIT ETF	ETF	808524847	250	6,137	SH		SOLE		6,137	0	0
Schwab US Small-Cap ETF	ETF	808524607	531	8,428	SH		SOLE		8,428	0	0
Vanguard Small-Cap Value Inde	ETF	922908611	333	2,707	SH		SOLE		2,707	0	0
Vanguard Dividend Appreciation	ETF	921908844	24,944	277,338	SH		SOLE		277,338	0	0
Vanguard FTSE All-World ex-US	ETF	922042775	2,657	55,546	SH		SOLE		55,546	0	0
Vanguard Index Fund Small Cap	ETF	922908751	308	2,312	SH		SOLE		2,312	0	0
Vanguard REIT Index	ETF	922908553	6,007	72,737	SH		SOLE		72,737	0	0
Vanguard Total Stock Market ET	ETF	922908769	2,165	17,845	SH		SOLE		17,845	0	0
iShares Core MSCI EAFE	ETF	46432F842	60,553	1,044,922	SH		SOLE		1,044,922	0	0
iShares Core MSCI Emerging Mar	ETF	46434G103	33,339	697,617	SH		SOLE		697,617	0	0
iShares Russell 1000 Growth In	ETF	464287614	28,093	246,864	SH		SOLE		246,864	0	0
iShares Russell 2000 Index	ETF	464287655	28,874	210,020	SH		SOLE		210,020	0	0