Summit Financial 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
VANGUARD INDEX FDS TOTAL STK MKT	ETF	922908769	313,139,221	1,838,643	SH		SOLE		0	0	1,838,643
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US	ETF	922042775	139,911,586	2,773,272	SH		SOLE		0	0	2,773,272
VANGUARD INDEX FDS GROWTH ETF	ETF	922908736	40,683,918	178,744	SH		SOLE		0	0	178,744
VANGUARD INDEX FDS VALUE ETF	ETF	922908744	28,989,073	277,381	SH		SOLE		0	0	277,381
VANGUARD INDEX FDS SM CP VAL ETF	ETF	922908611	23,684,614	214,089	SH		SOLE		0	0	214,089
VANGUARD INDEX FDS MID-CAP VALUE ETF	ETF	922908512	20,895,650	206,132	SH		SOLE		0	0	206,132
ISHARES CORE TOTAL USD BOND MKT	ETF	46434V613	4,885,607	89,842	SH		SOLE		0	0	89,842
ISHARES TR CORE MSCI EAFE	ETF	46432F842	2,926,232	48,544	SH		SOLE		0	0	48,544
ISHARES CORE S&P TOTAL US STOCK MARKET ETF	ETF	464287150	2,881,778	38,174	SH		SOLE		0	0	38,174
ISHARES NATIONAL MUN ETF	ETF	464288414	2,791,603	24,080	SH		SOLE		0	0	24,080
SPDR INDEX SHS FDS GLB NAT RESRCE	ETF	78463X541	2,272,753	60,526	SH		SOLE		0	0	60,526
VANGUARD SCOTTSDALE FDS INT-TERM CORP	ETF	92206C870	1,894,050	19,771	SH		SOLE		0	0	19,771
VANGUARD BD INDEX FD INC INTERMED TERM	ETF	921937819	1,881,640	20,129	SH		SOLE		0	0	20,129
SCHWAB STRATEGIC TR US LCAP VA ETF	ETF	808524409	1,870,855	35,847	SH		SOLE		0	0	35,847
SCHWAB STRATEGIC TR US LRG CAP ETF	ETF	808524201	1,671,782	20,734	SH		SOLE		0	0	20,734
SCHWAB STRATEGIC TR US LCAP GR ETF	ETF	808524300	1,579,787	13,717	SH		SOLE		0	0	13,717
ISHARES CORE RUSSELL VAL	ETF	464287663	1,412,408	26,016	SH		SOLE		0	0	26,016
VANGUARD TAX MNGD INTL FD FTSE DEV MKT ETF	ETF	921943858	1,337,757	32,708	SH		SOLE		0	0	32,708
VANGUARD BD INDEX FD INC TOTAL BND MRKT	ETF	921937835	1,308,655	14,834	SH		SOLE		0	0	14,834
ISHARES TR CORE MSCI TOTAL	ETF	46432F834	1,258,886	21,578	SH		SOLE		0	0	21,578
ISHARES INC CORE MSCI EMKT	ETF	46434G103	1,040,530	19,707	SH		SOLE		0	0	19,707
VANGUARD INTL EQUITY INDEX FTSE EMR MKT ETF	ETF	922042858	874,682	20,229	SH		SOLE		0	0	20,229
ISHARES RUSSELL 1000 ETF	ETF	464287622	806,991	4,312	SH		SOLE		0	0	4,312
ISHARES RUSSELL 2000 ETF	ETF	464287655	700,718	4,678	SH		SOLE		0	0	4,678
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	678,546	5,747	SH		SOLE		0	0	5,747
VANGUARD INDEX FDS SML CP GRW ETF	ETF	922908595	641,781	2,986	SH		SOLE		0	0	2,986
JPMORGAN CHASE & CO COM	Common Stock	46625H100	514,371	5,343	SH		SOLE		0	0	5,343
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF	ETF	922042718	387,576	3,681	SH		SOLE		0	0	3,681
ISHARES TR TIPS BD ETF	ETF	464287176	359,963	2,846	SH		SOLE		0	0	2,846
SCHWAB STRATEGIC TR US SML CAP ETF	ETF	808524607	348,637	5,103	SH		SOLE		0	0	5,103
DBX ETF TR XTRACK USD HIGH	ETF	233051432	318,663	6,625	SH		SOLE		0	0	6,625
VANGUARD INDEX FDS SMALL CP ETF	ETF	922908751	253,515	1,648	SH		SOLE		0	0	1,648
ISHARES RUS 2000 GRW ETF	ETF	464287648	248,102	1,120	SH		SOLE		0	0	1,120
ISHARES TR JPMORGAN USD EMG	ETF	464288281	211,024	1,903	SH		SOLE		0	0	1,903