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

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
VANGUARD INDEX FDS TOTAL STK MKT	ETF	922908769	368,306,256	1,781,926	SH		SOLE		0	0	1,781,926
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US	ETF	922042775	165,985,858	2,735,429	SH		SOLE		0	0	2,735,429
VANGUARD INDEX FDS GROWTH ETF	ETF	922908736	46,922,274	182,549	SH		SOLE		0	0	182,549
VANGUARD INDEX FDS VALUE ETF	ETF	922908744	37,001,698	281,467	SH		SOLE		0	0	281,467
VANGUARD INDEX FDS SM CP VAL ETF	ETF	922908611	34,078,148	205,773	SH		SOLE		0	0	205,773
VANGUARD INDEX FDS MCAP VL IDXVIP	ETF	922908512	27,510,374	203,977	SH		SOLE		0	0	203,977
ISHARES TR CORE S&P500 ETF	ETF	464287200	8,132,487	20,443	SH		SOLE		0	0	20,443
ISHARES TR CORE MSCI EAFE	ETF	46432F842	6,952,974	96,502	SH		SOLE		0	0	96,502
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD	ETF	92206C409	6,157,835	74,640	SH		SOLE		0	0	74,640
ISHARES TR CORE TOTAL USD	ETF	46434V613	4,968,683	94,193	SH		SOLE		0	0	94,193
ISHARES TR CORE S&P TTL STK	ETF	464287150	4,494,744	49,069	SH		SOLE		0	0	49,069
SCHWAB STRATEGIC TR US LCAP VA ETF	ETF	808524409	3,522,835	53,965	SH		SOLE		0	0	53,965
VANGUARD INDEX FDS S&P 500 ETF SHS	ETF	922908363	3,191,719	8,761	SH		SOLE		0	0	8,761
ISHARES TR NATIONAL MUN ETF	ETF	464288414	2,849,258	24,552	SH		SOLE		0	0	24,552
ISHARES TR CORE MSCI TOTAL	ETF	46432F834	2,835,790	40,350	SH		SOLE		0	0	40,350
SCHWAB STRATEGIC TR US LCAP GR ETF	ETF	808524300	2,785,209	21,461	SH		SOLE		0	0	21,461
SPDR INDEX SHS FDS GLB NAT RESRCE	ETF	78463X541	2,692,446	53,570	SH		SOLE		0	0	53,570
VANGUARD INDEX FDS MID CAP ETF	ETF	922908629	2,441,486	11,030	SH		SOLE		0	0	11,030
ISHARES TR CORE S&P US VLU	ETF	464287663	1,800,329	26,130	SH		SOLE		0	0	26,130
ISHARES INC CORE MSCI EMKT	ETF	46434G103	1,776,775	27,607	SH		SOLE		0	0	27,607
VANGUARD SCOTTSDALE FDS INT-TERM CORP	ETF	92206C870	1,772,376	19,052	SH		SOLE		0	0	19,052
VANGUARD BD INDEX FDS INTERMED TERM	ETF	921937819	1,689,235	19,038	SH		SOLE		0	0	19,038
VANGUARD BD INDEX FDS TOTAL BND MRKT	ETF	921937835	1,407,453	16,613	SH		SOLE		0	0	16,613
ISHARES TR CORE S&P MCP ETF	ETF	464287507	1,385,639	5,324	SH		SOLE		0	0	5,324
ISHARES TR RUSSELL 2000 ETF	ETF	464287655	1,167,211	5,283	SH		SOLE		0	0	5,283
VANGUARD INDEX FDS SMALL CP ETF	ETF	922908751	1,098,853	5,133	SH		SOLE		0	0	5,133
ISHARES TR CORE S&P SCP ETF	ETF	464287804	1,089,703	10,041	SH		SOLE		0	0	10,041
ISHARES TR RUS 1000 ETF	ETF	464287622	965,155	4,312	SH		SOLE		0	0	4,312
VANGUARD INDEX FDS SML CP GRW ETF	ETF	922908595	960,176	3,496	SH		SOLE		0	0	3,496
VANGUARD INTL EQUITY INDEXF FTSE EMR MKT ETF	ETF	922042858	937,517	18,012	SH		SOLE		0	0	18,012
SPDR S&P 500 ETF TR TR UNIT	ETF	78462F103	864,198	2,173	SH		SOLE		0	0	2,173
JPMORGAN CHASE & CO COM	Common Stock	46625H100	813,365	5,343	SH		SOLE		0	0	5,343
ISHARES TR 0-5YR INVT GR CP	ETF	46434V100	807,603	15,597	SH		SOLE		0	0	15,597
ISHARES TR CORE US AGGBD ET	ETF	464287226	803,159	7,056	SH		SOLE		0	0	7,056
APPLE INC COM	Common Stock	037833100	750,846	6,147	SH		SOLE		0	0	6,147
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF	ETF	921943858	724,422	14,751	SH		SOLE		0	0	14,751
SCHWAB STRATEGIC TR US MID-CAP ETF	ETF	808524508	649,868	8,731	SH		SOLE		0	0	8,731
SCHWAB STRATEGIC TR US LRG CAP ETF	ETF	808524201	491,770	5,121	SH		SOLE		0	0	5,121
VANGUARD STAR FDS VG TL INTL STK F	ETF	921909768	455,889	7,271	SH		SOLE		0	0	7,271
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF	ETF	922042718	448,716	3,495	SH		SOLE		0	0	3,495
SPDR SER TR S&P DIVID ETF	ETF	78464A763	446,942	3,787	SH		SOLE		0	0	3,787
MICROSOFT CORP COM	Common Stock	594918104	445,841	1,891	SH		SOLE		0	0	1,891
ISHARES TR TIPS BD ETF	ETF	464287176	374,170	2,981	SH		SOLE		0	0	2,981
ISHARES TR RUS 2000 GRW ETF	ETF	464287648	336,829	1,120	SH		SOLE		0	0	1,120
VANGUARD CHARLOTTE FDS INTL BD IDX ETF	ETF	92203J407	324,556	5,682	SH		SOLE		0	0	5,682
ISHARES TR RUS 2000 VAL ETF	ETF	97717W760	321,483	4,451	SH		SOLE		0	0	4,451
VANGUARD WHITEHALL FDS HIGH DIV YLD	ETF	921946406	314,828	3,114	SH		SOLE		0	0	3,114
SCHWAB STRATEGIC TR US SML CAP ETF	ETF	808524607	313,211	3,142	SH		SOLE		0	0	3,142
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP	ETF	464287630	296,873	1,862	SH		SOLE		0	0	1,862
ISHARES TR EAFE SML CP ETF	ETF	464288273	294,271	4,096	SH		SOLE		0	0	4,096
ISHARES TR MSCI USA MIN VOL	ETF	46429B697	277,838	4,016	SH		SOLE		0	0	4,016
AMAZON COM INC COM	Common Stock	023135106	250,620	81	SH		SOLE		0	0	81
VANGUARD WORLD FD MEGA GRWTH IND	ETF	921910816	228,827	1,105	SH		SOLE		0	0	1,105
DBX ETF TR XTRACK USD HIGH	ETF	233051432	202,410	4,049	SH		SOLE		0	0	4,049
ISHARES TR S&P 500 VAL ETF	ETF	464287408	202,321	1,432	SH		SOLE		0	0	1,432
NUVEEN QUALITY MUNCP INCOME	Common Stock	67066V101	175,386	11,539	SH		SOLE		0	0	11,539