Summit Financial Strategies 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
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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
ABBOTT LABS	COM	002824100	1,150,882	10,557	SH		SOLE		0	0	10,557
ABBVIE INC	COM	00287Y109	895,239	6,645	SH		SOLE		0	0	6,645
AGILON HEALTH INC	COM	00857U107	298,786	17,231	SH		SOLE		0	0	17,231
ALPHABET INC	CAP STK CL A	02079K305	809,890	6,766	SH		SOLE		0	0	6,766
ALPHABET INC	CAP STK CL C	02079K107	296,377	2,450	SH		SOLE		0	0	2,450
AMAZON COM INC	COM	023135106	1,046,841	8,030	SH		SOLE		0	0	8,030
AMERICAN ELEC PWR CO INC	COM	025537101	466,262	5,538	SH		SOLE		0	0	5,538
AMGEN INC	COM	031162100	336,360	1,515	SH		SOLE		0	0	1,515
APPLE INC	COM	037833100	12,577,919	64,845	SH		SOLE		0	0	64,845
APPLIED MATLS INC	COM	038222105	801,330	5,544	SH		SOLE		0	0	5,544
BANK AMERICA CORP	COM	060505104	302,616	10,548	SH		SOLE		0	0	10,548
BANK NEW YORK MELLON CORP	COM	064058100	376,194	8,450	SH		SOLE		0	0	8,450
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	11,990,585	35,163	SH		SOLE		0	0	35,163
CALAMOS CONV & HIGH INCOME F	COM SHS	12811P108	189,214	16,849	SH		SOLE		0	0	16,849
CARDLYTICS INC	COM	14161W105	88,480	14,000	SH		SOLE		0	0	14,000
CATERPILLAR INC	COM	149123101	536,151	2,179	SH		SOLE		0	0	2,179
CHEVRON CORP NEW	COM	166764100	436,961	2,777	SH		SOLE		0	0	2,777
CINCINNATI FINL CORP	COM	172062101	394,341	4,052	SH		SOLE		0	0	4,052
CIVISTA BANCSHARES INC	COM NO PAR	178867107	2,510,803	144,299	SH		SOLE		0	0	144,299
DEERE & CO	COM	244199105	474,998	1,172	SH		SOLE		0	0	1,172
DIMENSIONAL ETF TRUST	INTL CORE EQUITY	25434V799	80,216,883	3,305,187	SH		SOLE		0	0	3,305,187
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	3,426,713	99,325	SH		SOLE		0	0	99,325
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	397,098	8,560	SH		SOLE		0	0	8,560
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	224,259	8,260	SH		SOLE		0	0	8,260
DIREXION SHS ETF TR	DRX S&P500BULL	25459W862	454,669	5,053	SH		SOLE		0	0	5,053
DISNEY WALT CO	COM	254687106	584,918	6,552	SH		SOLE		0	0	6,552
DTE ENERGY CO	COM	233331107	234,673	2,133	SH		SOLE		0	0	2,133
EATON CORP PLC	SHS	G29183103	388,324	1,931	SH		SOLE		0	0	1,931
ECOLAB INC	COM	278865100	674,324	3,612	SH		SOLE		0	0	3,612
ENERGY TRANSFER L P	COM UT LTD PTN	29273V100	1,066,889	84,007	SH		SOLE		0	0	84,007
EXXON MOBIL CORP	COM	30231G102	1,445,597	13,479	SH		SOLE		0	0	13,479
FIFTH THIRD BANCORP	COM	316773100	225,144	8,590	SH		SOLE		0	0	8,590
GOLDMAN SACHS ETF TR	ACTIVEBETA US LG	381430503	312,447	3,579	SH		SOLE		0	0	3,579
GREIF INC	CL A	397624107	337,079	4,893	SH		SOLE		0	0	4,893
HOME DEPOT INC	COM	437076102	430,387	1,385	SH		SOLE		0	0	1,385
HUNTINGTON BANCSHARES INC	COM	446150104	679,905	63,071	SH		SOLE		0	0	63,071
INSTALLED BLDG PRODS INC	COM	45780R101	370,863	2,646	SH		SOLE		0	0	2,646
INTEL CORP	COM	458140100	265,707	7,946	SH		SOLE		0	0	7,946
INVESCO EXCH TRADED FD TR II	FTSE RAFI SML	46138E735	248,525	8,069	SH		SOLE		0	0	8,069
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	302,409	1,848	SH		SOLE		0	0	1,848
INVESCO QQQ TR	UNIT SER 1	46090E103	390,336	1,057	SH		SOLE		0	0	1,057
ISHARES TR	S&P SML 600 GWT	464287887	220,206	1,916	SH		SOLE		0	0	1,916
ISHARES TR	MSCI EMG MKT ETF	464287234	403,196	10,192	SH		SOLE		0	0	10,192
ISHARES TR	RUSSELL 3000 ETF	464287689	394,190	1,549	SH		SOLE		0	0	1,549
ISHARES TR	RUS 1000 ETF	464287622	3,287,809	13,489	SH		SOLE		0	0	13,489
ISHARES TR	MSCI EAFE ETF	464287465	4,747,083	65,477	SH		SOLE		0	0	65,477
ISHARES TR	CORE S&P500 ETF	464287200	64,211,659	144,066	SH		SOLE		0	0	144,066
ISHARES TR	SELECT DIVID ETF	464287168	520,774	4,596	SH		SOLE		0	0	4,596
ISHARES TR	US HLTHCARE ETF	464287762	214,113	764	SH		SOLE		0	0	764
ISHARES TR	MSCI ACWI ETF	464288257	221,238	2,306	SH		SOLE		0	0	2,306
ISHARES TR	S&P MC 400GR ETF	464287606	231,525	3,087	SH		SOLE		0	0	3,087
ISHARES TR	MSCI ACWI EX US	464288240	305,066	6,198	SH		SOLE		0	0	6,198
ISHARES TR	U.S. REAL ES ETF	464287739	224,312	2,592	SH		SOLE		0	0	2,592
ISHARES TR	RUSSELL 2000 ETF	464287655	1,018,562	5,439	SH		SOLE		0	0	5,439
ISHARES TR	RUS 1000 GRW ETF	464287614	1,665,287	6,052	SH		SOLE		0	0	6,052
ISHARES TR	CORE DIV GRWTH	46434V621	396,369	7,692	SH		SOLE		0	0	7,692
ISHARES TR	RUS MID CAP ETF	464287499	1,878,697	25,725	SH		SOLE		0	0	25,725
ISHARES TR	RUS 1000 VAL ETF	464287598	1,549,733	9,819	SH		SOLE		0	0	9,819
ISHARES TR	S&P 500 GRWT ETF	464287309	944,784	13,405	SH		SOLE		0	0	13,405
ISHARES TR	CORE US AGGBD ET	464287226	768,255	7,843	SH		SOLE		0	0	7,843
ISHARES TR	EAFE VALUE ETF	464288877	3,045,634	62,232	SH		SOLE		0	0	62,232
ISHARES TR	CORE S&P MCP ETF	464287507	31,746,899	121,412	SH		SOLE		0	0	121,412
ISHARES TR	TIPS BD ETF	464287176	241,176	2,241	SH		SOLE		0	0	2,241
ISHARES TR	CORE S&P SCP ETF	464287804	20,135,466	202,062	SH		SOLE		0	0	202,062
IVEDA SOLUTIONS INC	COM NEW	46583A204	10,900	10,000	SH		SOLE		0	0	10,000
JOHNSON & JOHNSON	COM	478160104	967,740	5,847	SH		SOLE		0	0	5,847
JPMORGAN CHASE & CO	COM	46625H100	1,555,031	10,692	SH		SOLE		0	0	10,692
KROGER CO	COM	501044101	463,364	9,859	SH		SOLE		0	0	9,859
LANCASTER COLONY CORP	COM	513847103	904,704	4,499	SH		SOLE		0	0	4,499
LILLY ELI & CO	COM	532457108	662,369	1,412	SH		SOLE		0	0	1,412
LOCKHEED MARTIN CORP	COM	539830109	257,813	560	SH		SOLE		0	0	560
MCDONALDS CORP	COM	580135101	448,259	1,502	SH		SOLE		0	0	1,502
MEDTRONIC PLC	SHS	G5960L103	311,932	3,541	SH		SOLE		0	0	3,541
MERCK & CO INC	COM	58933Y105	711,226	6,164	SH		SOLE		0	0	6,164
METTLER TOLEDO INTERNATIONAL	COM	592688105	620,406	473	SH		SOLE		0	0	473
MICROSOFT CORP	COM	594918104	8,235,765	24,184	SH		SOLE		0	0	24,184
NIKE INC	CL B	654106103	484,317	4,388	SH		SOLE		0	0	4,388
NVIDIA CORPORATION	COM	67066G104	422,183	998	SH		SOLE		0	0	998
PACKAGING CORP AMER	COM	695156109	32,099,946	242,887	SH		SOLE		0	0	242,887
PARK NATL CORP	COM	700658107	933,052	9,119	SH		SOLE		0	0	9,119
PEPSICO INC	COM	713448108	440,761	2,380	SH		SOLE		0	0	2,380
PFIZER INC	COM	717081103	212,613	5,796	SH		SOLE		0	0	5,796
PROCTER AND GAMBLE CO	COM	742718109	2,038,642	13,435	SH		SOLE		0	0	13,435
PROLOGIS INC.	COM	74340W103	232,997	1,900	SH		SOLE		0	0	1,900
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	40,399,591	568,768	SH		SOLE		0	0	568,768
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	4,417,232	95,694	SH		SOLE		0	0	95,694
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	20,167,634	460,448	SH		SOLE		0	0	460,448
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	3,115,600	59,492	SH		SOLE		0	0	59,492
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	255,491	4,873	SH		SOLE		0	0	4,873
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	5,494,924	154,135	SH		SOLE		0	0	154,135
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	751,416	10,026	SH		SOLE		0	0	10,026
SCHWAB STRATEGIC TR	US REIT ETF	808524847	406,810	20,830	SH		SOLE		0	0	20,830
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	386,691	15,700	SH		SOLE		0	0	15,700
SCHWAB STRATEGIC TR	INTL SCEQT ETF	808524888	428,575	12,691	SH		SOLE		0	0	12,691
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	71,972,265	1,392,113	SH		SOLE		0	0	1,392,113
SPDR GOLD TR	GOLD SHS	78463V107	1,770,934	9,934	SH		SOLE		0	0	9,934
SPDR S&P 500 ETF TR	TR UNIT	78462F103	2,264,417	5,108	SH		SOLE		0	0	5,108
STARBUCKS CORP	COM	855244109	223,660	2,258	SH		SOLE		0	0	2,258
STARWOOD PPTY TR INC	COM	85571B105	207,929	10,718	SH		SOLE		0	0	10,718
TESLA INC	COM	88160R101	1,538,684	5,878	SH		SOLE		0	0	5,878
TEXAS INSTRS INC	COM	882508104	1,072,379	5,957	SH		SOLE		0	0	5,957
UNDER ARMOUR INC	CL C	904311206	93,484	13,932	SH		SOLE		0	0	13,932
UNITEDHEALTH GROUP INC	COM	91324P102	373,351	777	SH		SOLE		0	0	777
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	346,977	3,776	SH		SOLE		0	0	3,776
VANGUARD ADMIRAL FDS INC	MIDCP 400 IDX	921932885	882,539	9,966	SH		SOLE		0	0	9,966
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	521,627	7,176	SH		SOLE		0	0	7,176
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	859,155	11,369	SH		SOLE		0	0	11,369
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	3,988,894	9,794	SH		SOLE		0	0	9,794
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	1,033,475	4,692	SH		SOLE		0	0	4,692
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	30,825,952	134,178	SH		SOLE		0	0	134,178
VANGUARD INDEX FDS	VALUE ETF	922908744	738,778	5,199	SH		SOLE		0	0	5,199
VANGUARD INDEX FDS	MID CAP ETF	922908629	724,108	3,289	SH		SOLE		0	0	3,289
VANGUARD INDEX FDS	GROWTH ETF	922908736	827,660	2,925	SH		SOLE		0	0	2,925
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	305,262	1,846	SH		SOLE		0	0	1,846
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	301,723	2,731	SH		SOLE		0	0	2,731
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	7,806,168	191,892	SH		SOLE		0	0	191,892
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	869,961	15,989	SH		SOLE		0	0	15,989
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	322,551	6,802	SH		SOLE		0	0	6,802
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	200,601	1,235	SH		SOLE		0	0	1,235
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	4,393,782	95,145	SH		SOLE		0	0	95,145
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	445,817	1,821	SH		SOLE		0	0	1,821
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	235,007	1,653	SH		SOLE		0	0	1,653
VANGUARD WORLD FDS	INF TECH ETF	92204A702	226,403	512	SH		SOLE		0	0	512
WALMART INC	COM	931142103	4,762,412	30,299	SH		SOLE		0	0	30,299
WIDEPOINT CORP	COMMON	967590209	67,866	36,487	SH		SOLE		0	0	36,487
WORTHINGTON INDS INC	COM	981811102	1,095,697	15,772	SH		SOLE		0	0	15,772