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	530	15,334	SH		SOLE		15,334	0	0
Schwab Short-Term US Treasury	ETF	808524862	947	18,780	SH		SOLE		18,780	0	0
Schwab US Aggregate Bond ETF	ETF	808524839	3,863	73,770	SH		SOLE		73,770	0	0
Schwab US TIPS ETF	ETF	808524870	360	6,511	SH		SOLE		6,511	0	0
Vanguard Intermediate-Term Bon	ETF	921937819	1,403	16,567	SH		SOLE		16,567	0	0
Vanguard Short Term Corp Bond	ETF	92206C409	20,610	257,206	SH		SOLE		257,206	0	0
iShares Barclays 1-3 Yr Credit	ETF	464288646	1,010	9,591	SH		SOLE		9,591	0	0
iShares Barclays Interm Govt/C	ETF	464288612	28,480	256,808	SH		SOLE		256,808	0	0
iShares Barclays Short Treasur	ETF	464288679	999	9,050	SH		SOLE		9,050	0	0
3M Co.	COM	88579Y101	483	2,303	SH		SOLE		2,303	0	0
AT&T Inc.	COM	00206R102	917	23,402	SH		SOLE		23,402	0	0
AbbVie Inc.	COM	00287Y109	455	5,122	SH		SOLE		5,122	0	0
Albemarle Corp.	COM	012653101	2,347	17,220	SH		SOLE		17,220	0	0
Alphabet, Inc. - Class A	COM	02079K305	227	233	SH		SOLE		233	0	0
Alphabet, Inc. - Class C Non-V	COM	02079K107	4,833	5,039	SH		SOLE		5,039	0	0
American Express	COM	025816109	212	2,340	SH		SOLE		2,340	0	0
Anthem, Inc.	COM	036752103	4,985	26,255	SH		SOLE		26,255	0	0
Apple Inc.	COM	037833100	9,257	60,060	SH		SOLE		60,060	0	0
BB & T Corp.	COM	054937107	5,325	113,445	SH		SOLE		113,445	0	0
Berkshire Hathaway CL B	COM	084670702	207	1,128	SH		SOLE		1,128	0	0
BlackRock, Inc.	COM	09247X101	5,332	11,926	SH		SOLE		11,926	0	0
Boeing Co.	COM	097023105	2,579	10,145	SH		SOLE		10,145	0	0
C. H. Robinson Worldwide Inc.	COM	12541W209	2,243	29,476	SH		SOLE		29,476	0	0
CVS Health Corporation	COM	126650100	5,435	66,839	SH		SOLE		66,839	0	0
Carters Inc.	COM	146229109	3,786	38,336	SH		SOLE		38,336	0	0
Caterpillar Inc.	COM	149123101	4,201	33,688	SH		SOLE		33,688	0	0
Chevron Corp.	COM	166764100	4,442	37,807	SH		SOLE		37,807	0	0
Church & Dwight Co. Inc.	COM	171340102	1,757	36,260	SH		SOLE		36,260	0	0
Cisco Systems Inc.	COM	17275R102	4,056	120,594	SH		SOLE		120,594	0	0
Coca Cola Co.	COM	191216100	343	7,615	SH		SOLE		7,615	0	0
Cognizant Technology Solutions	COM	192446102	6,547	90,260	SH		SOLE		90,260	0	0
Colgate Palmolive Co.	COM	194162103	3,569	48,995	SH		SOLE		48,995	0	0
Comcast Corp Class A	COM	20030N101	231	6,004	SH		SOLE		6,004	0	0
Costco Wholesale Corp.	COM	22160K105	1,903	11,582	SH		SOLE		11,582	0	0
Deere & Co.	COM	244199105	4,172	33,219	SH		SOLE		33,219	0	0
Dell Technologies Inc.	COM	24703L103	1,029	13,322	SH		SOLE		13,322	0	0
Dentsply Sirona Inc.	COM	24906P109	3,148	52,636	SH		SOLE		52,636	0	0
Dollar Tree, Inc.	COM	256746108	3,989	45,948	SH		SOLE		45,948	0	0
EOG Resources, Inc.	COM	26875P101	2,170	22,433	SH		SOLE		22,433	0	0
EQT Corp.	COM	26884L109	2,608	39,970	SH		SOLE		39,970	0	0
Eagle Materials Inc.	COM	26969P108	2,139	20,045	SH		SOLE		20,045	0	0
Enbridge Inc.	COM	29250N105	3,634	86,847	SH		SOLE		86,847	0	0
Expedia, Inc.	COM	30212P303	2,448	17,010	SH		SOLE		17,010	0	0
Exxon Mobil Corp.	COM	30231G102	7,274	88,734	SH		SOLE		88,734	0	0
FactSet Research Systems Inc.	COM	303075105	3,498	19,420	SH		SOLE		19,420	0	0
Fastenal Co.	COM	311900104	2,369	51,973	SH		SOLE		51,973	0	0
Finisar Corp.	COM	31787A507	222	10,000	SH		SOLE		10,000	0	0
General Electric Co.	COM	369604103	5,892	243,655	SH		SOLE		243,655	0	0
HSBC Holdings PLC ADR	COM	404280406	3,771	76,320	SH		SOLE		76,320	0	0
Hain Celestial Group	COM	405217100	3,136	76,213	SH		SOLE		76,213	0	0
Halliburton Co.	COM	406216101	296	6,420	SH		SOLE		6,420	0	0
Hexcel Corp.	COM	428291108	3,594	62,592	SH		SOLE		62,592	0	0
Honeywell International Inc.	COM	438516106	2,804	19,779	SH		SOLE		19,779	0	0
Intel Corp.	COM	458140100	4,580	120,281	SH		SOLE		120,281	0	0
International Business Machine	COM	459200101	1,342	9,249	SH		SOLE		9,249	0	0
JP Morgan Chase & Co.	COM	46625H100	7,797	81,636	SH		SOLE		81,636	0	0
Johnson & Johnson	COM	478160104	4,255	32,732	SH		SOLE		32,732	0	0
LKQ Corp.	COM	501889208	3,002	83,400	SH		SOLE		83,400	0	0
M&T Bank Corp.	COM	55261F104	6,425	39,895	SH		SOLE		39,895	0	0
McCormick & Co. Inc.	COM	579780206	1,957	19,064	SH		SOLE		19,064	0	0
McDonalds Corp.	COM	580135101	289	1,842	SH		SOLE		1,842	0	0
McKesson Corp.	COM	58155Q103	3,840	24,999	SH		SOLE		24,999	0	0
Medtronic, Plc.	COM	G5960L103	4,489	57,716	SH		SOLE		57,716	0	0
Merck & Co.	COM	58933Y105	4,497	70,235	SH		SOLE		70,235	0	0
Microsoft Corp.	COM	594918104	4,767	63,991	SH		SOLE		63,991	0	0
Mondelez International, Inc.	COM	609207105	2,861	70,365	SH		SOLE		70,365	0	0
NVIDIA Corp	COM	67066G104	278	1,553	SH		SOLE		1,553	0	0
NXP Semiconductors	COM	N6596X109	3,928	34,733	SH		SOLE		34,733	0	0
NextEra Energy, Inc.	COM	65339f101	5,597	38,193	SH		SOLE		38,193	0	0
Nike Inc.	COM	654106103	2,651	51,126	SH		SOLE		51,126	0	0
Occidental Petroleum Corp.	COM	674599105	2,319	36,113	SH		SOLE		36,113	0	0
Oracle Corp.	COM	68389X105	3,921	81,088	SH		SOLE		81,088	0	0
PPG Industries Inc.	COM	693506107	248	2,286	SH		SOLE		2,286	0	0
Pepsico Inc.	COM	713448108	4,046	36,308	SH		SOLE		36,308	0	0
Pfizer Inc.	COM	717081103	4,772	133,674	SH		SOLE		133,674	0	0
Phillips 66	COM	718546104	2,815	30,733	SH		SOLE		30,733	0	0
Praxair Inc.	COM	74005P104	2,719	19,455	SH		SOLE		19,455	0	0
Priceline Group Inc.	COM	741503403	4,561	2,491	SH		SOLE		2,491	0	0
Procter & Gamble Co.	COM	742718109	3,743	41,137	SH		SOLE		41,137	0	0
Prudential Financial	COM	744320102	3,444	32,392	SH		SOLE		32,392	0	0
QUALCOMM, Inc.	COM	747525103	3,636	70,139	SH		SOLE		70,139	0	0
SPDR S&P Biotech ETF	COM	78464A870	4,386	50,660	SH		SOLE		50,660	0	0
Schlumberger Ltd.	COM	806857108	4,253	60,968	SH		SOLE		60,968	0	0
Skyworks Solutions Inc.	COM	83088M102	5,652	55,469	SH		SOLE		55,469	0	0
The Bank of New York Mellon Co	COM	064058100	5,519	104,096	SH		SOLE		104,096	0	0
The TJX Companies, Inc.	COM	872540109	2,199	29,830	SH		SOLE		29,830	0	0
The Travelers Companies, Inc.	COM	89417E109	3,718	30,345	SH		SOLE		30,345	0	0
Time Warner Inc.	COM	887317303	5,016	48,959	SH		SOLE		48,959	0	0
US Bancorp	COM	902973304	5,659	105,592	SH		SOLE		105,592	0	0
Ulta Salon, Cosmetics & Fragra	COM	90384S303	1,810	8,007	SH		SOLE		8,007	0	0
Union Pacific Corporation	COM	907818108	4,414	38,063	SH		SOLE		38,063	0	0
United Technologies Corp.	COM	913017109	3,259	28,078	SH		SOLE		28,078	0	0
UnitedHealth Group Inc.	COM	91324P102	5,437	27,763	SH		SOLE		27,763	0	0
VanEck Vectors Biotech ETF	COM	92189F726	3,645	27,172	SH		SOLE		27,172	0	0
Ventas Inc.	COM	92276F100	3,009	46,205	SH		SOLE		46,205	0	0
Verizon Communications Inc.	COM	92343V104	3,887	78,548	SH		SOLE		78,548	0	0
Visa Inc.	COM	92826C839	6,789	64,510	SH		SOLE		64,510	0	0
WEC Energy Group	COM	92939U106	2,106	33,543	SH		SOLE		33,543	0	0
Wal-Mart Stores	COM	931142103	2,670	34,174	SH		SOLE		34,174	0	0
Walt Disney Co.	COM	254687106	3,943	39,997	SH		SOLE		39,997	0	0
Williams-Sonoma, Inc.	COM	969904101	2,980	59,775	SH		SOLE		59,775	0	0
Xylem Inc.	COM	98419M100	3,557	56,797	SH		SOLE		56,797	0	0
ETFS Physical Swiss Gold	ETF	26922Y105	337	2,715	SH		SOLE		2,715	0	0
SPDR Gold Trust	ETF	78463V107	17,325	142,501	SH		SOLE		142,501	0	0
Schwab Emerging Markets Equity	ETF	808524706	475	17,658	SH		SOLE		17,658	0	0
Schwab International Equity ET	ETF	808524805	2,026	60,525	SH		SOLE		60,525	0	0
Schwab US Large-Cap ETF	ETF	808524201	6,784	112,992	SH		SOLE		112,992	0	0
Schwab US Small-Cap ETF	ETF	808524607	610	9,055	SH		SOLE		9,055	0	0
Vanguard Small-Cap Value Inde	ETF	922908611	378	2,957	SH		SOLE		2,957	0	0
Vanguard Dividend Appreciation	ETF	921908844	27,534	290,474	SH		SOLE		290,474	0	0
Vanguard FTSE All-World ex-US	ETF	922042775	2,911	55,236	SH		SOLE		55,236	0	0
Vanguard Index Fund Small Cap	ETF	922908751	371	2,627	SH		SOLE		2,627	0	0
Vanguard Total Stock Market ET	ETF	922908769	2,334	18,017	SH		SOLE		18,017	0	0
iShares Core MSCI EAFE	ETF	46432F842	68,863	1,073,137	SH		SOLE		1,073,137	0	0
iShares Core MSCI Emerging Mar	ETF	46434G103	38,369	710,281	SH		SOLE		710,281	0	0
iShares Russell 1000 Growth In	ETF	464287614	30,592	244,617	SH		SOLE		244,617	0	0
iShares Russell 2000 Index	ETF	464287655	31,830	214,806	SH		SOLE		214,806	0	0