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 Barclays International Co	ETF	78464A151	519	15,616	SH		SOLE		15,616	0	0
SPDR Nuveen Barclays Cap. Shor	ETF	78464A425	363	7,485	SH		SOLE		7,485	0	0
Schwab Short-Term US Treasury	ETF	808524862	941	18,665	SH		SOLE		18,665	0	0
Schwab US Aggregate Bond ETF	ETF	808524839	3,859	73,865	SH		SOLE		73,865	0	0
Schwab US TIPS ETF	ETF	808524870	357	6,476	SH		SOLE		6,476	0	0
Vanguard Intermediate-Term Bon	ETF	921937819	1,277	15,110	SH		SOLE		15,110	0	0
Vanguard Short-Term Bond ETF	ETF	921937827	5,435	68,067	SH		SOLE		68,067	0	0
iShares Barclays Interm Govt/C	ETF	464288612	32,982	297,993	SH		SOLE		297,993	0	0
3M Co.	COM	88579Y101	479	2,303	SH		SOLE		2,303	0	0
AT&T Inc.	COM	00206R102	900	23,865	SH		SOLE		23,865	0	0
AbbVie Inc.	COM	00287Y109	371	5,122	SH		SOLE		5,122	0	0
Alphabet, Inc. - Class A	COM	02079K305	217	233	SH		SOLE		233	0	0
Alphabet, Inc. - Class C Non-V	COM	02079K107	4,547	5,004	SH		SOLE		5,004	0	0
American Express	COM	025816109	316	3,750	SH		SOLE		3,750	0	0
Anthem, Inc.	COM	036752103	4,931	26,210	SH		SOLE		26,210	0	0
Apple Inc.	COM	037833100	8,478	58,868	SH		SOLE		58,868	0	0
BB & T Corp.	COM	054937107	5,102	112,360	SH		SOLE		112,360	0	0
BlackRock, Inc.	COM	09247X101	5,036	11,921	SH		SOLE		11,921	0	0
Boeing Co.	COM	097023105	4,031	20,385	SH		SOLE		20,385	0	0
C. H. Robinson Worldwide Inc.	COM	12541W209	2,005	29,191	SH		SOLE		29,191	0	0
CVS Health Corporation	COM	126650100	5,404	67,159	SH		SOLE		67,159	0	0
Carters Inc.	COM	146229109	3,424	38,491	SH		SOLE		38,491	0	0
Caterpillar Inc.	COM	149123101	3,587	33,378	SH		SOLE		33,378	0	0
Chevron Corp.	COM	166764100	3,969	38,045	SH		SOLE		38,045	0	0
Church & Dwight Co. Inc.	COM	171340102	1,864	35,920	SH		SOLE		35,920	0	0
Cisco Systems Inc.	COM	17275R102	3,765	120,294	SH		SOLE		120,294	0	0
Coca Cola Co.	COM	191216100	329	7,327	SH		SOLE		7,327	0	0
Cognizant Technology Solutions	COM	192446102	5,956	89,695	SH		SOLE		89,695	0	0
Colgate Palmolive Co.	COM	194162103	3,643	49,145	SH		SOLE		49,145	0	0
Comcast Corp Class A	COM	20030N101	233	5,992	SH		SOLE		5,992	0	0
Costco Wholesale Corp.	COM	22160K105	1,831	11,447	SH		SOLE		11,447	0	0
Deere & Co.	COM	244199105	4,109	33,249	SH		SOLE		33,249	0	0
Dell Technologies Inc.	COM	24703L103	807	13,205	SH		SOLE		13,205	0	0
Dentsply Sirona Inc.	COM	24906P109	3,384	52,183	SH		SOLE		52,183	0	0
Dollar Tree, Inc.	COM	256746108	3,248	46,458	SH		SOLE		46,458	0	0
EOG Resources, Inc.	COM	26875P101	2,021	22,328	SH		SOLE		22,328	0	0
EQT Corp.	COM	26884L109	2,436	41,570	SH		SOLE		41,570	0	0
Enbridge Inc.	COM	29250N105	3,454	86,761	SH		SOLE		86,761	0	0
Expedia, Inc.	COM	30212P303	2,515	16,885	SH		SOLE		16,885	0	0
Exxon Mobil Corp.	COM	30231G102	7,455	92,348	SH		SOLE		92,348	0	0
FactSet Research Systems Inc.	COM	303075105	3,211	19,320	SH		SOLE		19,320	0	0
Fastenal Co.	COM	311900104	2,225	51,111	SH		SOLE		51,111	0	0
General Electric Co.	COM	369604103	5,817	215,350	SH		SOLE		215,350	0	0
HSBC Holdings PLC ADR	COM	404280406	3,544	76,393	SH		SOLE		76,393	0	0
Hain Celestial Group	COM	405217100	3,016	77,688	SH		SOLE		77,688	0	0
Halliburton Co.	COM	406216101	274	6,420	SH		SOLE		6,420	0	0
Hexcel Corp.	COM	428291108	3,278	62,092	SH		SOLE		62,092	0	0
Honeywell International Inc.	COM	438516106	2,626	19,702	SH		SOLE		19,702	0	0
Ingredion Inc.	COM	457187102	236	1,980	SH		SOLE		1,980	0	0
Intel Corp.	COM	458140100	3,010	89,202	SH		SOLE		89,202	0	0
International Business Machine	COM	459200101	1,422	9,245	SH		SOLE		9,245	0	0
JP Morgan Chase & Co.	COM	46625H100	7,563	82,751	SH		SOLE		82,751	0	0
Johnson & Johnson	COM	478160104	4,327	32,706	SH		SOLE		32,706	0	0
Johnson Controls International	COM	G51502105	2,250	51,883	SH		SOLE		51,883	0	0
LKQ Corp.	COM	501889208	2,825	85,736	SH		SOLE		85,736	0	0
M&T Bank Corp.	COM	55261F104	6,668	41,175	SH		SOLE		41,175	0	0
Materials Select Sector SPDR	COM	81369Y100	3,722	69,166	SH		SOLE		69,166	0	0
McCormick & Co. Inc.	COM	579780206	1,846	18,929	SH		SOLE		18,929	0	0
McDonalds Corp.	COM	580135101	402	2,623	SH		SOLE		2,623	0	0
McKesson Corp.	COM	58155Q103	4,089	24,854	SH		SOLE		24,854	0	0
Medtronic, Plc.	COM	G5960L103	5,119	57,684	SH		SOLE		57,684	0	0
Merck & Co.	COM	58933Y105	4,505	70,286	SH		SOLE		70,286	0	0
Microsoft Corp.	COM	594918104	4,445	64,491	SH		SOLE		64,491	0	0
Mondelez International, Inc.	COM	609207105	3,020	69,935	SH		SOLE		69,935	0	0
NXP Semiconductors	COM	N6596X109	3,773	34,473	SH		SOLE		34,473	0	0
NextEra Energy, Inc.	COM	65339f101	5,292	37,766	SH		SOLE		37,766	0	0
Nike Inc.	COM	654106103	2,960	50,171	SH		SOLE		50,171	0	0
Occidental Petroleum Corp.	COM	674599105	2,166	36,182	SH		SOLE		36,182	0	0
Oracle Corp.	COM	68389X105	4,034	80,459	SH		SOLE		80,459	0	0
PPG Industries Inc.	COM	693506107	251	2,286	SH		SOLE		2,286	0	0
Pepsico Inc.	COM	713448108	4,170	36,103	SH		SOLE		36,103	0	0
Pfizer Inc.	COM	717081103	4,537	135,065	SH		SOLE		135,065	0	0
Phillips 66	COM	718546104	2,538	30,691	SH		SOLE		30,691	0	0
Praxair Inc.	COM	74005P104	2,550	19,240	SH		SOLE		19,240	0	0
Priceline Group Inc.	COM	741503403	4,654	2,488	SH		SOLE		2,488	0	0
Procter & Gamble Co.	COM	742718109	3,731	42,815	SH		SOLE		42,815	0	0
Prudential Financial	COM	744320102	3,395	31,392	SH		SOLE		31,392	0	0
QUALCOMM, Inc.	COM	747525103	3,856	69,838	SH		SOLE		69,838	0	0
Reynolds American Inc.	COM	761713106	235	3,616	SH		SOLE		3,616	0	0
SPDR S&P Biotech ETF	COM	78464A870	3,876	50,225	SH		SOLE		50,225	0	0
Schlumberger Ltd.	COM	806857108	3,411	51,803	SH		SOLE		51,803	0	0
Skyworks Solutions Inc.	COM	83088M102	5,292	55,149	SH		SOLE		55,149	0	0
The Bank of New York Mellon Co	COM	064058100	5,303	103,931	SH		SOLE		103,931	0	0
The TJX Companies, Inc.	COM	872540109	2,141	29,670	SH		SOLE		29,670	0	0
The Travelers Companies, Inc.	COM	89417E109	3,839	30,340	SH		SOLE		30,340	0	0
Time Warner Inc.	COM	887317303	4,933	49,129	SH		SOLE		49,129	0	0
US Bancorp	COM	902973304	4,067	78,327	SH		SOLE		78,327	0	0
Ulta Salon, Cosmetics & Fragra	COM	90384S303	2,281	7,937	SH		SOLE		7,937	0	0
Union Pacific Corporation	COM	907818108	4,108	37,718	SH		SOLE		37,718	0	0
United Technologies Corp.	COM	913017109	3,399	27,833	SH		SOLE		27,833	0	0
UnitedHealth Group Inc.	COM	91324P102	5,126	27,643	SH		SOLE		27,643	0	0
VanEck Vectors Biotech ETF	COM	92189F726	3,388	26,972	SH		SOLE		26,972	0	0
Ventas Inc.	COM	92276F100	3,209	46,190	SH		SOLE		46,190	0	0
Verizon Communications Inc.	COM	92343V104	3,511	78,616	SH		SOLE		78,616	0	0
Visa Inc.	COM	92826C839	6,014	64,125	SH		SOLE		64,125	0	0
WEC Energy Group	COM	92939U106	3,353	54,621	SH		SOLE		54,621	0	0
Wal-Mart Stores	COM	931142103	2,581	34,109	SH		SOLE		34,109	0	0
Walt Disney Co.	COM	254687106	4,126	38,833	SH		SOLE		38,833	0	0
Williams-Sonoma, Inc.	COM	969904101	2,892	59,630	SH		SOLE		59,630	0	0
Xylem Inc.	COM	98419M100	3,117	56,226	SH		SOLE		56,226	0	0
ETFS Physical Swiss Gold	ETF	26922Y105	323	2,683	SH		SOLE		2,683	0	0
SPDR Gold Trust	ETF	78463V107	16,757	141,987	SH		SOLE		141,987	0	0
Schwab Emerging Markets Equity	ETF	808524706	452	18,178	SH		SOLE		18,178	0	0
Schwab International Equity ET	ETF	808524805	1,891	59,515	SH		SOLE		59,515	0	0
Schwab US Large-Cap ETF	ETF	808524201	6,302	109,096	SH		SOLE		109,096	0	0
Schwab US Small-Cap ETF	ETF	808524607	563	8,814	SH		SOLE		8,814	0	0
Vanguard Small-Cap Value Inde	ETF	922908611	333	2,707	SH		SOLE		2,707	0	0
Vanguard Dividend Appreciation	ETF	921908844	26,681	287,910	SH		SOLE		287,910	0	0
Vanguard FTSE All-World ex-US	ETF	922042775	2,774	55,456	SH		SOLE		55,456	0	0
Vanguard Index Fund Small Cap	ETF	922908751	312	2,302	SH		SOLE		2,302	0	0
Vanguard Total Stock Market ET	ETF	922908769	2,278	18,304	SH		SOLE		18,304	0	0
iShares Core MSCI EAFE	ETF	46432F842	64,803	1,064,257	SH		SOLE		1,064,257	0	0
iShares Core MSCI Emerging Mar	ETF	46434G103	35,413	707,698	SH		SOLE		707,698	0	0
iShares Russell 1000 Growth In	ETF	464287614	29,824	250,579	SH		SOLE		250,579	0	0
iShares Russell 2000 Index	ETF	464287655	30,086	213,498	SH		SOLE		213,498	0	0