13F HOLDINGS REPORT
Strategic Financial Services, Inc,
Quarter ended Q3 2025 · Filed November 14, 2025 · Accession 0001432539-25-000010
Total Value
$1.99B
Positions
142
Other Managers
0
Confidential Omitted
No
Holdings (142)
| # | Issuer | Ticker / CUSIP | Shares | Value | % of Filing |
|---|---|---|---|---|---|
| 1 | ISHARES TR | 46434V274 | 8,598,454 | $308.8M | 15.49% |
| 2 | ISHARES TR | 46434V290 | 3,745,097 | $278.4M | 13.97% |
| 3 | ISHARES TR | 46434V282 | 3,808,047 | $263.1M | 13.20% |
| 4 | VANGUARD SCOTTSDALE FDS | 92206C706 | 2,333,044 | $140.1M | 7.03% |
| 5 | WORLD GOLD TR | GLDW | 1,397,914 | $106.9M | 5.36% |
| 6 | ISHARES INC | 46434G889 | 1,873,012 | $106.0M | 5.32% |
| 7 | VANGUARD SCOTTSDALE FDS | 92206C409 | 1,056,698 | $84.5M | 4.24% |
| 8 | VANGUARD SCOTTSDALE FDS | 92206C870 | 818,802 | $68.9M | 3.46% |
| 9 | VANGUARD SCOTTSDALE FDS | 92206C847 | 1,186,149 | $67.4M | 3.38% |
| 10 | ISHARES TR | 46432F396 | 219,222 | $56.2M | 2.82% |
| 11 | VANGUARD WELLINGTON FD | 921935508 | 280,279 | $53.7M | 2.69% |
| 12 | VANGUARD MALVERN FDS | 922020805 | 777,530 | $39.4M | 1.98% |
| 13 | DIMENSIONAL ETF TRUST | 25434V807 | 851,030 | $39.2M | 1.97% |
| 14 | GOLDMAN SACHS ETF TR | NVGLF | 927,844 | $38.1M | 1.91% |
| 15 | ISHARES INC | 464286681 | 350,890 | $36.1M | 1.81% |
| 16 | ISHARES TR | 464288612 | 278,586 | $29.9M | 1.50% |
| 17 | SPDR SERIES TRUST | 78464A870 | 285,137 | $28.6M | 1.43% |
| 18 | APPLE INC | AAPL | 71,604 | $18.2M | 0.91% |
| 19 | ISHARES TR | 46432F370 | 102,372 | $16.5M | 0.83% |
| 20 | VANGUARD WHITEHALL FDS | 921946885 | 211,666 | $14.2M | 0.71% |
| 21 | GOLDMAN SACHS ETF TR | NVGLF | 98,740 | $12.9M | 0.65% |
| 22 | SPDR GOLD TR | GLD | 27,762 | $9.9M | 0.50% |
| 23 | GOLDMAN SACHS ETF TR | NVGLF | 236,749 | $9.6M | 0.48% |
| 24 | MICROSOFT CORP | MSFT | 17,110 | $8.9M | 0.44% |
| 25 | ALPHABET INC | GOOG | 34,912 | $8.5M | 0.43% |
| 26 | JPMORGAN CHASE & CO. | VYLD | 25,969 | $8.2M | 0.41% |
| 27 | GOLDMAN SACHS ETF TR | NVGLF | 101,865 | $7.6M | 0.38% |
| 28 | ORACLE CORP | ORCL-PD | 24,449 | $6.9M | 0.35% |
| 29 | VISA INC | V | 16,486 | $5.6M | 0.28% |
| 30 | KLA CORP | KLAC | 5,050 | $5.4M | 0.27% |
| 31 | MCKESSON CORP | MCK | 6,877 | $5.3M | 0.27% |
| 32 | LAM RESEARCH CORP | LRCX | 38,629 | $5.2M | 0.26% |
| 33 | BLACKROCK INC | BLK | 3,363 | $3.9M | 0.20% |
| 34 | J P MORGAN EXCHANGE TRADED F | 46641Q779 | 50,403 | $3.4M | 0.17% |
| 35 | GE AEROSPACE | 369604301 | 10,966 | $3.3M | 0.17% |
| 36 | TESLA INC | TSLA | 6,835 | $3.0M | 0.15% |
| 37 | QUALCOMM INC | QCOM | 16,925 | $2.8M | 0.14% |
| 38 | SPDR SERIES TRUST | 78464A664 | 104,183 | $2.8M | 0.14% |
| 39 | COSTCO WHSL CORP NEW | 22160K105 | 3,022 | $2.8M | 0.14% |
| 40 | M & T BK CORP | 55261F104 | 14,140 | $2.8M | 0.14% |
| 41 | VANGUARD INDEX FDS | 922908769 | 8,366 | $2.7M | 0.14% |
| 42 | NEXTERA ENERGY INC | NEE-PW | 34,207 | $2.6M | 0.13% |
| 43 | BOOKING HOLDINGS INC | BKNG | 434 | $2.3M | 0.12% |
| 44 | AMAZON COM INC | AMZN | 10,634 | $2.3M | 0.12% |
| 45 | EXXON MOBIL CORP | XOM | 20,666 | $2.3M | 0.12% |
| 46 | BERKSHIRE HATHAWAY INC DEL | BRK-A | 4,512 | $2.3M | 0.11% |
| 47 | ALPHABET INC | GOOG | 8,873 | $2.2M | 0.11% |
| 48 | NVIDIA CORPORATION | NVDA | 11,119 | $2.1M | 0.10% |
| 49 | TJX COS INC NEW | 872540109 | 13,428 | $1.9M | 0.10% |
| 50 | VANGUARD STAR FDS | 921909768 | 26,000 | $1.9M | 0.10% |
| 51 | ISHARES TR | 464288646 | 35,628 | $1.9M | 0.09% |
| 52 | CISCO SYS INC | CSCO | 25,244 | $1.7M | 0.09% |
| 53 | NXP SEMICONDUCTORS N V | NXPI | 7,336 | $1.7M | 0.08% |
| 54 | JOHNSON & JOHNSON | JNJ | 8,950 | $1.7M | 0.08% |
| 55 | MERCK & CO INC | MRK | 19,309 | $1.6M | 0.08% |
| 56 | PEPSICO INC | PEP | 11,122 | $1.6M | 0.08% |
| 57 | UNITEDHEALTH GROUP INC | UNH | 4,314 | $1.5M | 0.07% |
| 58 | ALPS ETF TR | 00162Q593 | 37,593 | $1.5M | 0.07% |
| 59 | GE VERNOVA INC | GEV | 2,297 | $1.4M | 0.07% |
| 60 | VANGUARD SCOTTSDALE FDS | 92206C664 | 14,035 | $1.4M | 0.07% |
| 61 | VANGUARD MUN BD FDS | 922907746 | 27,162 | $1.4M | 0.07% |
| 62 | ULTA BEAUTY INC | ULTA | 2,234 | $1.2M | 0.06% |
| 63 | ISHARES TR | 464287614 | 2,568 | $1.2M | 0.06% |
| 64 | VANGUARD INDEX FDS | 922908736 | 2,426 | $1.2M | 0.06% |
| 65 | VANGUARD SPECIALIZED FUNDS | 921908844 | 5,242 | $1.1M | 0.06% |
| 66 | INTERNATIONAL BUSINESS MACHS | INTR | 3,983 | $1.1M | 0.06% |
| 67 | PROCTER AND GAMBLE CO | 742718109 | 6,853 | $1.1M | 0.05% |
| 68 | SPDR S&P 500 ETF TR | SPY | 1,548 | $1.0M | 0.05% |
| 69 | META PLATFORMS INC | META | 1,397 | $1.0M | 0.05% |
| 70 | MASTERCARD INCORPORATED | MA | 1,772 | $1.0M | 0.05% |
| 71 | ABBVIE INC | ABBV | 4,155 | $961,962 | 0.05% |
| 72 | VANGUARD TAX-MANAGED FDS | 921943858 | 15,355 | $920,072 | 0.05% |
| 73 | GOLDMAN SACHS GROUP INC | GSCE | 1,035 | $824,222 | 0.04% |
| 74 | PHILLIPS 66 | PSX | 5,997 | $815,712 | 0.04% |
| 75 | MORGAN STANLEY | MS-PQ | 5,125 | $814,670 | 0.04% |
| 76 | AUTOMATIC DATA PROCESSING IN | ADP | 2,523 | $740,501 | 0.04% |
| 77 | VANGUARD INDEX FDS | 922908538 | 2,362 | $693,932 | 0.03% |
| 78 | WALMART INC | WMT | 6,710 | $691,533 | 0.03% |
| 79 | DEERE & CO | DE | 1,511 | $690,920 | 0.03% |
| 80 | ISHARES TR | 464288158 | 6,392 | $682,538 | 0.03% |
| 81 | VANGUARD INTL EQUITY INDEX F | 922042858 | 12,177 | $659,750 | 0.03% |
| 82 | DIMENSIONAL ETF TRUST | 25434V609 | 10,658 | $620,402 | 0.03% |
| 83 | HOME DEPOT INC | HD | 1,475 | $597,655 | 0.03% |
| 84 | SCHWAB CHARLES CORP | SCHW-PJ | 6,199 | $591,819 | 0.03% |
| 85 | MCDONALDS CORP | MCD | 1,932 | $587,197 | 0.03% |
| 86 | IDEXX LABS INC | 45168D104 | 908 | $580,112 | 0.03% |
| 87 | CHUBB LIMITED | CB | 2,053 | $579,459 | 0.03% |
| 88 | BROADCOM INC | AVGO | 1,744 | $575,247 | 0.03% |
| 89 | PUBLIC STORAGE OPER CO | PSA-PS | 1,896 | $547,660 | 0.03% |
| 90 | COMMUNITY FINANCIAL SYSTEM I | CBU | 8,812 | $516,736 | 0.03% |
| 91 | ISHARES INC | 46434G103 | 7,665 | $505,277 | 0.03% |
| 92 | NORWOOD FINANCIAL CORP | NWFL | 19,846 | $504,485 | 0.03% |
| 93 | ABBOTT LABS | ABLZF | 3,458 | $463,098 | 0.02% |
| 94 | RTX CORPORATION | RTX | 2,756 | $461,161 | 0.02% |
| 95 | VANGUARD INDEX FDS | 922908751 | 1,762 | $448,041 | 0.02% |
| 96 | COCA COLA CO | KO | 6,721 | $445,737 | 0.02% |
| 97 | DIMENSIONAL ETF TRUST | 25434V724 | 9,875 | $441,314 | 0.02% |
| 98 | VANGUARD SCOTTSDALE FDS | 92206C730 | 1,425 | $430,849 | 0.02% |
| 99 | CONMED CORP | CNMD | 9,024 | $424,399 | 0.02% |
| 100 | ISHARES TR | 46432F388 | 3,390 | $423,920 | 0.02% |
| 101 | ISHARES TR | 464288281 | 4,348 | $413,886 | 0.02% |
| 102 | CHEVRON CORP NEW | CVX | 2,656 | $412,450 | 0.02% |
| 103 | CSX CORP | CSX | 11,606 | $412,129 | 0.02% |
| 104 | ELI LILLY & CO | LLY | 504 | $384,552 | 0.02% |
| 105 | ELEVANCE HEALTH INC FORMERLY | ELV | 1,184 | $382,574 | 0.02% |
| 106 | ILLINOIS TOOL WKS INC | 452308109 | 1,456 | $379,667 | 0.02% |
| 107 | VANGUARD INDEX FDS | 922908629 | 1,290 | $378,925 | 0.02% |
| 108 | TRAVELERS COMPANIES INC | TRV | 1,333 | $372,200 | 0.02% |
| 109 | VANGUARD INDEX FDS | 922908595 | 1,242 | $369,644 | 0.02% |
| 110 | TOMPKINS FINL CORP | 890110109 | 5,095 | $337,340 | 0.02% |
| 111 | ASML HOLDING N V | ASMLF | 343 | $332,055 | 0.02% |
| 112 | DISNEY WALT CO | 254687106 | 2,887 | $330,515 | 0.02% |
| 113 | WASTE MGMT INC DEL | 94106L109 | 1,415 | $312,474 | 0.02% |
| 114 | HARTFORD INSURANCE GROUP INC | HIG-PG | 2,293 | $305,858 | 0.02% |
| 115 | MONDELEZ INTL INC | 609207105 | 4,866 | $303,979 | 0.02% |
| 116 | ALLSTATE CORP | ALL-PJ | 1,375 | $295,144 | 0.01% |
| 117 | CORNING INC | GLW | 3,511 | $288,007 | 0.01% |
| 118 | WELLS FARGO CO NEW | 949746101 | 3,419 | $286,596 | 0.01% |
| 119 | VANGUARD INTL EQUITY INDEX F | 922042775 | 3,873 | $276,416 | 0.01% |
| 120 | CATERPILLAR INC | CAT | 563 | $268,635 | 0.01% |
| 121 | PALANTIR TECHNOLOGIES INC | PLTR | 1,450 | $264,509 | 0.01% |
| 122 | NETFLIX INC | NFLX | 220 | $263,762 | 0.01% |
| 123 | SOUTHERN CO | SOMN | 2,694 | $255,310 | 0.01% |
| 124 | HONEYWELL INTL INC | 438516106 | 1,206 | $253,935 | 0.01% |
| 125 | VANGUARD INDEX FDS | 922908611 | 1,165 | $243,078 | 0.01% |
| 126 | IMMUCELL CORP | ICCC | 37,000 | $239,390 | 0.01% |
| 127 | ISHARES TR | 464287655 | 969 | $234,459 | 0.01% |
| 128 | HERSHEY CO | HSY | 1,244 | $232,690 | 0.01% |
| 129 | VERIZON COMMUNICATIONS INC | VZ | 5,224 | $229,595 | 0.01% |
| 130 | COINBASE GLOBAL INC | COIN | 676 | $228,143 | 0.01% |
| 131 | VANECK ETF TRUST | 92189F726 | 1,334 | $221,077 | 0.01% |
| 132 | SCHWAB STRATEGIC TR | 808524607 | 7,864 | $219,406 | 0.01% |
| 133 | COLGATE PALMOLIVE CO | CL | 2,710 | $216,637 | 0.01% |
| 134 | CONOCOPHILLIPS | COP | 2,270 | $214,719 | 0.01% |
| 135 | CAPITAL ONE FINL CORP | 14040H105 | 1,003 | $213,218 | 0.01% |
| 136 | ROCKWELL AUTOMATION INC | ROK | 610 | $213,213 | 0.01% |
| 137 | UNION PAC CORP | UNP | 890 | $210,415 | 0.01% |
| 138 | AMERICAN EXPRESS CO | AXP | 628 | $208,596 | 0.01% |
| 139 | CHIPOTLE MEXICAN GRILL INC | CMG | 5,250 | $205,748 | 0.01% |
| 140 | SPDR SERIES TRUST | 78464A854 | 2,596 | $203,371 | 0.01% |
| 141 | SCHWAB STRATEGIC TR | 808524805 | 8,722 | $203,048 | 0.01% |
| 142 | SCHWAB STRATEGIC TR | 808524201 | 7,691 | $202,581 | 0.01% |