Strategic Financial Services, Inc.

In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 11, 2025), Strategic Financial Services, Inc. reported 136 stock positions worth $1.7 billion. Its top holding was iShares International Equity (INTF) at 14.6% of the portfolio, followed by iShares US Smallcap Equity F (SMLF, 14.4%) and iShares US Equity Factor ETF (LRGF, 13.3%). Compared with Q3 2024, it opened 3 new positions, sold out of 8, added to 36 and reduced 65. The biggest buy was Vanguard Intermediate-Term T (VGIT, shares +6078%) and the biggest sale iShares Intermediate Governm (GVI, shares −71%).

Most Recent 13F
Q2 2026
Location
UTICA, NY
CIK
0001432539
Portfolio Value
$1.7B (Q4 2024)
SEC Filing
0001432539-25-000001 ↗ filed Feb 11, 2025

Holdings Value

0$500.0M$1.0B$1.5B$2.0B$2.5B Q1 2024: $1.5B Q1 2024 Q2 2024: $1.6B Q2 2024 Q3 2024: $1.7B Q3 2024 Q4 2024: $1.7B $1.7B Q4 2024 Q1 2025: $1.7B Q1 2025 Q2 2025: $1.9B Q2 2025 Q3 2025: $2.0B Q3 2025 Q4 2025: $2.2B Q4 2025 Q1 2026: $2.1B Q1 2026 Q2 2026: $2.3B Q2 2026

Holdings 136 stocks · $1.7B
INTF iShares International Equity 14.57% 8,506,713 $244.3M Add +8.0%
SMLF iShares US Smallcap Equity F 14.39% 3,574,438 $241.3M Reduce -3.1%
LRGF iShares US Equity Factor ETF 13.25% 3,682,638 $222.2M Reduce -12.2%
VGIT Vanguard Intermediate-Term T 6.71% 1,940,726 $112.6M Add +6077.9%
GLDM SPDR Gold Minishares Trust 5.03% 1,621,215 $84.3M Reduce -0.8%
EMGF iShares Emerging Markets Equ 4.89% 1,813,367 $82.0M Add +3.4%
VCSH Vanguard S/T Corp. Bond ETF 4.64% 997,969 $77.9M Add +4.0%
VCIT Vanguard Int-Term Corporate 3.76% 784,962 $63.0M Reduce -24.2%
VGLT Vanguard Long-Term Treasury 3.51% 1,064,012 $58.9M Reduce -4.5%
MTUM iShares MSCI USA Momentum Fa 2.73% 221,205 $45.8M Add +1.7%
VFMO Vanguard US Momentum Factor 2.60% 264,902 $43.5M Reduce -4.0%
EUSA iShares MSCI USA Equal Weigh 2.36% 415,161 $39.6M New
GVI iShares Intermediate Governm 2.18% 350,626 $36.5M Reduce -71.3%
VTIP Vanguard Short-Term Tips 2.05% 709,332 $34.3M New
GSIE Goldman Sachs Activebeta Int 1.85% 931,059 $31.0M Reduce -1.2%
DFIV Dimensional International Va 1.79% 847,105 $30.1M Add +3.3%
XBI SS SPDR S&P Biotech ETF 1.33% 248,521 $22.4M Add +2.1%
AAPL Apple Inc. 1.12% 74,682 $18.7M Add +0.4%
VWOB Vanguard Emerg MKTS Gov BND 0.79% 208,449 $13.2M Reduce -41.4%
GLD SPDR Gold Shares 0.66% 45,859 $11.1M Reduce -7.3%
GSLC Goldman Activebeta US LC ETF 0.47% 68,787 $7.9M Reduce -13.9%
GEM Goldman Sachs Activebeta Em 0.44% 230,670 $7.4M Reduce -3.0%
MSFT Microsoft Corp. 0.44% 17,426 $7.3M Add +7.8%
GOOG Alphabet Inc. Class C 0.41% 36,472 $6.9M Add +0.3%
JPM JPMorgan Chase & Co. 0.41% 28,363 $6.8M Reduce -1.3%
V Visa Inc. Class A 0.32% 17,193 $5.4M Reduce -2.3%
SPTL SS SPDR PF LNG TRM TSY E-Usd 0.31% 195,984 $5.1M Add +1896.8%
ORCL Oracle Corp. 0.28% 28,537 $4.8M Reduce -5.5%
MCK McKesson Corp. 0.25% 7,227 $4.1M Reduce -0.4%
BLK BlackRock Inc. 0.22% 3,595 $3.7M Reduce -2.0%
KLAC KLA Corp. 0.21% 5,486 $3.5M Reduce -0.7%
LRCX Lam Research Corp. 0.18% 42,855 $3.1M Reduce -0.6%
IGSB iShares 1-5Y Inv Grade Corp. 0.18% 58,429 $3.0M Add +60.0%
QCOM Qualcomm Inc. 0.18% 19,176 $2.9M Reduce -2.8%
TSLA Tesla Inc. 0.17% 7,081 $2.9M Add +0.0%
COST Costco Wholesale Corp. 0.17% 3,104 $2.8M Reduce -1.4%
UNH Unitedhealth Group Inc. 0.17% 5,519 $2.8M Reduce -0.3%
MTB M & T Bank Corp. filed as M & T BK CORP 0.16% 14,601 $2.7M Reduce -2.0%
GSSC Goldman Sachs Activebeta US 0.16% 39,629 $2.7M Reduce -9.7%
VLUE iShares MSCI USA Value Facto 0.16% 25,280 $2.7M Reduce -85.0%
NXPI NXP Semiconductors NV 0.16% 12,648 $2.6M Reduce -4.1%
NEE Nextera Energy Inc. 0.15% 35,732 $2.6M Reduce -0.2%
VTI VG Morningstar TS MKT ETF-US 0.15% 8,738 $2.5M Reduce -0.0%
XOM Exxon Mobil Corp. 0.14% 22,386 $2.4M Reduce -4.4%
MRK Merck & Co. Inc. 0.14% 23,446 $2.3M Reduce -3.5%
PEP Pepsico Inc. 0.14% 15,272 $2.3M Reduce -8.2%
BKNG Booking Holdings Inc. 0.14% 465 $2.3M Reduce -1.7%
AMZN Amazon.com Inc. 0.14% 10,328 $2.3M Add +2.0%
JMOM JPMorgan US Momentum Factor 0.13% 37,787 $2.2M Reduce -3.0%
BRK.B Berkshire Hathaway Inc. Class B 0.12% 4,365 $2.0M Add +0.7%
GOOGL Alphabet Inc. Class A 0.11% 9,595 $1.8M Add +2.2%
NVDA Nvidia Corp. 0.10% 12,720 $1.7M Add +7.0%
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.10% 13,583 $1.6M Add +2.9%
CSCO Cisco Systems Inc. 0.10% 26,957 $1.6M Reduce -6.8%
VXUS Vanguard Total Intl Stock 0.09% 26,145 $1.5M Add +7.7%
HON Honeywell International Inc. 0.09% 6,699 $1.5M Reduce -5.8%
ULTA Ulta Beauty Inc. 0.09% 3,450 $1.5M Reduce -11.7%
JNJ Johnson & Johnson 0.08% 9,701 $1.4M Reduce -11.8%
IWF iShares Russell 1000 Growth 0.08% 3,434 $1.4M Reduce -5.0%
PG The Procter & Gamble Co. 0.08% 7,603 $1.3M Add +1.5%
VIG Vanguard Dividend Apprec ETF 0.07% 6,257 $1.2M Reduce -9.3%
VTWO Vanguard Russell 2000 ETF 0.06% 11,575 $1.0M No change
VTEB Vanguard Tax-Exempt Bond ETF 0.06% 19,904 $998K Add +55.2%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.06% 4,508 $991K Reduce -1.2%
SPY SS SPDR S&P 500 ETF Trust-US 0.06% 1,628 $954K Reduce -2.0%
MA Mastercard Inc. Class A 0.06% 1,784 $939K Reduce -0.6%
VUG Vanguard Mrngstar GR ETF-Sui 0.05% 2,168 $890K Reduce -1.6%
MDLZ Mondelez International Inc. Class A 0.05% 14,424 $862K Reduce -8.2%
META Meta Platforms Inc. Class A 0.05% 1,434 $840K Reduce -7.8%
ADP Automatic Data Processing 0.05% 2,595 $760K No change
ABBV Abbvie Inc. 0.05% 4,274 $759K Add +5.5%
VEA Vanguard Ftse Developed ETF 0.04% 15,355 $734K No change
GE General Electric filed as GE AEROSPACE 0.04% 4,286 $715K Add +0.0%
DE Deere & Co. 0.04% 1,639 $694K Reduce -21.0%
PSX Phillips 66 0.04% 5,995 $683K No change
CNMD Conmed Corp. 0.04% 9,924 $679K Reduce -1.0%
MS Morgan Stanley 0.04% 5,082 $639K No change
VOT Vngrd Mrngstr MC GRW ETF-Usd 0.04% 2,362 $599K Reduce -2.3%
DFAT Dimensional US Target Value 0.04% 10,714 $596K No change
GS Goldman Sachs Group Inc. 0.04% 1,036 $593K Add +0.1%
WMT Walmart Inc. 0.03% 6,454 $583K Add +6.1%
EMB iShares JP Morgan Usd Emergi 0.03% 6,444 $574K Reduce -15.6%
CBU Community Financial System I 0.03% 9,245 $570K No change
PSA Public Storage 0.03% 1,895 $567K No change
CB Chubb Ltd. 0.03% 2,050 $566K Add +7.9%
SBIO Alps Medical Breakthroughs 0.03% 17,062 $564K Reduce -6.6%
SWKS Skyworks Solutions Inc. 0.03% 6,264 $555K Reduce -14.8%
NWFL Norwood Financial Corp. 0.03% 19,846 $540K Reduce -7.0%
ELV Elevance Health Inc. 0.03% 1,458 $538K Reduce -18.2%
IWM iShares Russell 2000 ETF 0.03% 2,420 $535K Reduce -8.6%
VB Vanguard Most SM-Cap ETF-Usd 0.03% 2,207 $530K Reduce -5.6%
HD Home Depot Inc. 0.03% 1,352 $526K Reduce -3.6%
MCD McDonald's Corp. 0.03% 1,790 $519K Add +119.6%
VWO Vanguard Ftse Emerging Marke 0.03% 11,500 $506K No change
IEMG iShares Core MSCI Emerging 0.03% 9,189 $480K Reduce -0.7%
SCHW Schwab (charles) Corp. 0.03% 6,184 $458K No change
KO The Coca-Cola Co. 0.03% 6,849 $426K Add +30.6%
ABT Abbott Laboratories 0.02% 3,673 $415K Add +8.4%
LLY Eli Lilly & Co. 0.02% 532 $411K Reduce -7.5%
DFUV Dimensional US Marketwide Va 0.02% 9,942 $407K No change
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.02% 1,540 $407K Reduce -2.3%
CMF iShares California Muni Bond 0.02% 6,844 $392K No change
CVX Chevron Corp. 0.02% 2,656 $385K Reduce -0.1%
IDXX Idexx Laboratories Inc. 0.02% 908 $375K No change
CSX CSX Corp. 0.02% 11,591 $374K No change
ITW Illinois Tool Works 0.02% 1,446 $367K Add +11.6%
GEV GE Vernova Inc. 0.02% 1,110 $365K Add +3.7%
VBK Van Morst SML-Cap Gro-Usd Inc. 0.02% 1,242 $348K No change
TMP Tompkins Financial Corp. 0.02% 5,095 $346K No change
RTX RTX Corp. 0.02% 2,971 $344K Reduce -5.7%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.02% 3,082 $343K Add +21.5%
TRV The Travelers Cos Inc. 0.02% 1,332 $321K No change
CMG Chipotle Mexican Grill Inc. 0.02% 5,023 $303K Add +0.5%
NKE Nike Inc. Class B 0.02% 3,942 $298K Reduce -1.8%
WM Waste Management Inc. 0.02% 1,413 $285K No change
VZ Verizon Communications Inc. 0.02% 7,113 $284K Add +4.0%
HIG Hartford Insurance Group Inc. 0.02% 2,446 $268K Add +36.0%
ALL Allstate Corp. 0.02% 1,374 $265K No change
VEU Vanguard Ftse All-World Ex-U 0.02% 4,566 $262K Reduce -30.1%
CL Colgate-Palmolive Co. 0.01% 2,710 $246K No change
ASML ASML Holding NV-NY Reg SHS 0.01% 352 $244K No change
VBR Vngrd Mrngst SL-CP Val ETF-U 0.01% 1,165 $231K No change
NBTB N B T Bancorp Inc. 0.01% 4,777 $228K No change
VONE Vanguard Russell 1000 0.01% 850 $227K No change
COP Conocophillips 0.01% 2,262 $224K No change
CAT Caterpillar Inc. 0.01% 615 $223K No change
SO The Southern Co. 0.01% 2,689 $221K Reduce -5.3%
WFC Wells Fargo & Co. 0.01% 3,061 $215K New
HSY The Hershey Co. 0.01% 1,244 $211K No change
IEFA iShares Core MSCI Eafe ETF 0.01% 2,953 $208K No change
SCHH Schwab US REIT ETF 0.01% 9,800 $206K No change
DHR Danaher Corp. 0.01% 887 $204K Add +19.4%
SCHA Schwab US Small-Cap ETF 0.01% 7,864 $203K No change
PPG PPG Industries Inc. 0.01% 1,699 $203K No change
NVO Novo-Nordisk A/S-Spons ADR 0.01% 2,347 $202K Reduce -2.2%
ICCC Immucell Corp. 0.01% 31,000 $160K No change

Portfolio Sells Q3 2024 → Q4 2024
GVI iShares Intermediate Governm Reduce -71.3% 2.18% −5.58
VCIT Vanguard Int-Term Corporate Reduce -24.2% 3.76% −1.39
LRGF iShares US Equity Factor ETF Reduce -12.2% 13.25% −1.38
VLUE iShares MSCI USA Value Facto Reduce -85.0% 0.16% −0.94
VWOB Vanguard Emerg MKTS Gov BND Reduce -41.4% 0.79% −0.61
VGLT Vanguard Long-Term Treasury Reduce -4.5% 3.51% −0.55
GSIE Goldman Sachs Activebeta Int Reduce -1.2% 1.85% −0.17
SMLF iShares US Smallcap Equity F Reduce -3.1% 14.39% −0.13
GSLC Goldman Activebeta US LC ETF Reduce -13.9% 0.47% −0.06
GEM Goldman Sachs Activebeta Em Reduce -3.0% 0.44% −0.06
GLD SPDR Gold Shares Reduce -7.3% 0.66% −0.05
KLAC KLA Corp. Reduce -0.7% 0.21% −0.05
VFMO Vanguard US Momentum Factor Reduce -4.0% 2.60% −0.04
IUSV iShares Core S&P U.S. Value Sold out 0.00% −0.03
NXPI NXP Semiconductors NV Reduce -4.1% 0.16% −0.03
PEP Pepsico Inc. Reduce -8.2% 0.14% −0.03
NEE Nextera Energy Inc. Reduce -0.2% 0.15% −0.03
GLDM SPDR Gold Minishares Trust Reduce -0.8% 5.03% −0.03
UNH Unitedhealth Group Inc. Reduce -0.3% 0.17% −0.03
MRK Merck & Co. Inc. Reduce -3.5% 0.14% −0.02
LRCX Lam Research Corp. Reduce -0.6% 0.18% −0.02
QCOM Qualcomm Inc. Reduce -2.8% 0.18% −0.02
ELV Elevance Health Inc. Reduce -18.2% 0.03% −0.02
JNJ Johnson & Johnson Reduce -11.8% 0.08% −0.02
ORCL Oracle Corp. Reduce -5.5% 0.28% −0.02
XOM Exxon Mobil Corp. Reduce -4.4% 0.14% −0.02
STZ Constellation Brands Inc. Class A Sold out 0.00% −0.02
DLTR Dollar Tree Inc. Sold out 0.00% −0.02
MDLZ Mondelez International Inc. Class A Reduce -8.2% 0.05% −0.02
GSSC Goldman Sachs Activebeta US Reduce -9.7% 0.16% −0.02
GEHC GE Healthcare Technology Sold out 0.00% −0.02
PFE Pfizer Inc. Sold out 0.00% −0.01
EDV Vanguard Extended Dur Treas Sold out 0.00% −0.01
TMO Thermo Fisher Scientific Inc. Sold out 0.00% −0.01
BBH Vaneck Biotech ETF Sold out 0.00% −0.01
DE Deere & Co. Reduce -21.0% 0.04% −0.01
SWKS Skyworks Solutions Inc. Reduce -14.8% 0.03% −0.01
VEU Vanguard Ftse All-World Ex-U Reduce -30.1% 0.02% −0.01
EMB iShares JP Morgan Usd Emergi Reduce -15.6% 0.03% −0.01
VIG Vanguard Dividend Apprec ETF Reduce -9.3% 0.07% −0.01
SBIO Alps Medical Breakthroughs Reduce -6.6% 0.03% −0.01
LLY Eli Lilly & Co. Reduce -7.5% 0.02% −0.01
NVO Novo-Nordisk A/S-Spons ADR Reduce -2.2% 0.01% −0.00
NKE Nike Inc. Class B Reduce -1.8% 0.02% −0.00
IEMG iShares Core MSCI Emerging Reduce -0.7% 0.03% −0.00
IWM iShares Russell 2000 ETF Reduce -8.6% 0.03% −0.00
META Meta Platforms Inc. Class A Reduce -7.8% 0.05% −0.00
NWFL Norwood Financial Corp. Reduce -7.0% 0.03% −0.00
CNMD Conmed Corp. Reduce -1.0% 0.04% −0.00
HD Home Depot Inc. Reduce -3.6% 0.03% −0.00

Portfolio Buys Q3 2024 → Q4 2024
VGIT Vanguard Intermediate-Term T Add +6077.9% 6.71% +6.60
EUSA iShares MSCI USA Equal Weigh New 2.36% +2.36
VTIP Vanguard Short-Term Tips New 2.05% +2.05
SPTL SS SPDR PF LNG TRM TSY E-Usd Add +1896.8% 0.31% +0.29
VCSH Vanguard S/T Corp. Bond ETF Add +4.0% 4.64% +0.12
MTUM iShares MSCI USA Momentum Fa Add +1.7% 2.73% +0.11
AAPL Apple Inc. Add +0.4% 1.12% +0.09
IGSB iShares 1-5Y Inv Grade Corp. Add +60.0% 0.18% +0.07
TSLA Tesla Inc. Add +0.0% 0.17% +0.06
GOOG Alphabet Inc. Class C Add +0.3% 0.41% +0.05
MSFT Microsoft Corp. Add +7.8% 0.44% +0.03
AMZN Amazon.com Inc. Add +2.0% 0.14% +0.02
VTEB Vanguard Tax-Exempt Bond ETF Add +55.2% 0.06% +0.02
MCD McDonald's Corp. Add +119.6% 0.03% +0.02
NVDA Nvidia Corp. Add +7.0% 0.10% +0.02
GOOGL Alphabet Inc. Class A Add +2.2% 0.11% +0.02
WFC Wells Fargo & Co. New 0.01% +0.01
DIS The Walt Disney Co. Add +21.5% 0.02% +0.01
TJX TJX Companies Inc. Add +2.9% 0.10% +0.01
GEV GE Vernova Inc. Add +3.7% 0.02% +0.01
WMT Walmart Inc. Add +6.1% 0.03% +0.01
GS Goldman Sachs Group Inc. Add +0.1% 0.04% +0.01
HIG Hartford Insurance Group Inc. Add +36.0% 0.02% +0.00
KO The Coca-Cola Co. Add +30.6% 0.03% +0.00
ABT Abbott Laboratories Add +8.4% 0.02% +0.00
ITW Illinois Tool Works Add +11.6% 0.02% +0.00
CB Chubb Ltd. Add +7.9% 0.03% +0.00
CMG Chipotle Mexican Grill Inc. Add +0.5% 0.02% +0.00
DHR Danaher Corp. Add +19.4% 0.01% −0.00
BRK.B Berkshire Hathaway Inc. Class B Add +0.7% 0.12% −0.00
PG The Procter & Gamble Co. Add +1.5% 0.08% −0.00
VXUS Vanguard Total Intl Stock Add +7.7% 0.09% −0.00
VZ Verizon Communications Inc. Add +4.0% 0.02% −0.00
ABBV Abbvie Inc. Add +5.5% 0.05% −0.00
GE General Electric Add +0.0% 0.04% −0.01
DFIV Dimensional International Va Add +3.3% 1.79% −0.06
XBI SS SPDR S&P Biotech ETF Add +2.1% 1.33% −0.09
INTF iShares International Equity Add +8.0% 14.57% −0.12
EMGF iShares Emerging Markets Equ Add +3.4% 4.89% −0.29

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 155$2.3BINTF, SMLF, LRGF, VGIT, EMGF
Q1 2026 150$2.1BINTF, SMLF, LRGF, VGIT, VCSH
Q4 2025 144$2.2BINTF, SMLF, LRGF, VGIT, EMGF
Q3 2025 142$2.0BINTF, SMLF, LRGF, VGIT, GLDM
Q2 2025 138$1.9BINTF, SMLF, LRGF, VGIT, EMGF
Q1 2025 133$1.7BINTF, SMLF, LRGF, VGIT, GLDM
Q4 2024 136$1.7BINTF, SMLF, LRGF, VGIT, GLDM
Q3 2024 141$1.7BINTF, LRGF, SMLF, GVI, EMGF
Q2 2024 131$1.6BLRGF, SMLF, INTF, GVI, VCSH
Q1 2024 126$1.5BSMLF, LRGF, INTF, GVI, VCSH