Strategic Financial Services, Inc.

$2.1B reported 13(f) long value · latest quarter 2026-03-31 · CIK 1432539 · EDGAR ↗

sum of disclosed values for 2026-03-31; 0 positions carry a NULL value and are excluded from the sum, surfaced here rather than folded away: $2.1B
ALL retained default holdings for this (filer, period), including NULL-value ones: 153
positions with no comparable holding in the prior quarter (kind new), 2026-03-31: 19
positions absent from this quarter's filing after being held last quarter (kind exit), 2026-03-31 — inferred from absence, not a sale record: 9

A quarter-end snapshot. Filed up to 45 days later, so this page is not current holdings and never a complete portfolio. what a 13F is — and is not ↓ methodology §13F ↗

Position changes — into 2026-03-31

by shares · Δ value · filing link · how changes are classified §

Position changes into quarter 2026-03-31
position matched across quarters by exact reported CUSIP over a registry gap — producer-reconciled identity, never a name match `identity_reconciled_by_cusip`	the reported share count is unchanged across the pair; this build's data classified the change from its reported value; builds from 2026-09-10 on read it as NO CHANGE `classified_by_value` · EXIT = absent this quarter: disposed, delisted, under confidential treatment, or reported instead by an affiliated manager — the filing does not say which · change not classifiable: value undisclosed on one side of the quarter pair, or neither shares nor value can classify it · NO CHANGE = the share count is identical in both quarters; the value moved only with price, so the row is mark-to-market and never an ADD or a TRIM (NEW / ADD / TRIM / EXIT / NO CHANGE) · NO PRIOR = this filer has no comparable holdings list for the previous quarter on record — a first filing under this registration, or a quarter reported inside an affiliated manager's filing — so the position is not called a new stake	derived by Public Filings from the published aggregate; NULL means the source did not disclose a usable value — never zero	reported unit changed across the pair (SH↔PRN); the share delta is withheld rather than fabricated `shares_unit_mismatch`	Prev value	Curr value	Prev shares	Curr shares
position key `sid:sec:prov:48e50a6f8a0d96c450bb8d2eefb7f337` · issuer key `cusip6:46434V` INTL EQTY FACTOR	ADD	+$30.2M	+101,977	$309M	$339M	8,598,454	8,700,431
position key `sid:sec:prov:6d7bd74852196b4e59e6b443b5999a54` · issuer key `cusip6:46434V` US SML CAP EQT	ADD	+$11.2M	+91,345	$278M	$290M	3,745,097	3,836,442
position key `sid:sec:prov:763c6b16ddbd2879e35ad29e94078516` · issuer key `cusip6:46434V` U S EQUITY FACTR	ADD	+$338K	+182,827	$263M	$263M	3,808,047	3,990,874
position key `sid:sec:prov:7175357d7c86ef92a73a4c94c374b858` · issuer key `cusip6:92206C` INTER TERM TREAS	ADD	+$20.9M	+370,535	$140M	$161M	2,333,044	2,703,579
position key `sid:sec:prov:3a69ff5ca4f41bbce8dbd9c569fbb075` · issuer key `cusip6:92206C` SHRT TRM CORP BD	ADD	+$30.6M	+394,451	$84.5M	$115M	1,056,698	1,451,149
position key `pos:11438` · issuer key `iss:1016` EMNG MKTS EQT	ADD	+$8.0M	+12,962	$106M	$114M	1,873,012	1,885,974
position key `sid:sec:prov:fd0585629cc2c56c522b14f4ca767dfd` · issuer key `cusip6:922020` STRM INFPROIDX	ADD	+$34.0M	+690,980	$39.4M	$73.4M	777,530	1,468,510
position key `sid:sec:prov:0642809ea123953125be984c495918ab` · issuer key `cusip6:92206C` LONG TERM TREAS	ADD	+$5.0M	+122,171	$67.4M	$72.4M	1,186,149	1,308,320
position key `pos:11431` · issuer key `cusip6:92206C` INT-TERM CORP	ADD	+$3.0M	+50,199	$68.9M	$71.9M	818,802	869,001
position key `sid:sec:prov:22bce2a4b67af2a036c8f2952873e10f` · issuer key `cusip6:921935` US MOMENTUM	ADD	+$2.6M	+5,259	$53.7M	$56.3M	280,279	285,538
position key `sid:sec:prov:57ca25e81d0e6e1a2e81d2252c83645c` · issuer key `cusip6:46432F` MSCI USA MMENTM	ADD	−$2.1M	+6,345	$56.2M	$54.1M	219,222	225,567
position key `pos:14579` · issuer key `iss:1990` SPDR GLD MINIS	TRIM	−$52.8M	−814,158	$107M	$54.1M	1,397,914	583,756
position key `sid:sec:prov:2159ea7ce4ecfdba0c2fac3412c58147` · issuer key `cusip6:25434V` INTERNATNAL VAL	TRIM	+$4.7M	−17,530	$39.2M	$44.0M	851,030	833,500
position key `sid:sec:prov:dd29977e39817ce41d988a86e48e90de` · issuer key `cusip6:464286` MSCI EQUAL WEITE	ADD	+$2.9M	+32,607	$36.1M	$39.0M	350,890	383,497
position key `sid:sec:prov:0eefd08f4910374e561c8074d513084d` · issuer key `cusip6:381430` ACTIVEBETA INT	TRIM	+$242K	−37,842	$38.1M	$38.4M	927,844	890,002
position key `sid:sec:prov:5c0159d8e365eac662fab857eba96ecb` · issuer key `cusip6:92206C` SHORT TERM TREAS	NEW	+$34.5M	+589,560	$0	$34.5M	—	589,560
position key `pos:17791` · issuer key `iss:1013` INTRM GOV CR ETF	TRIM	−$930K	−6,738	$29.9M	$29.0M	278,586	271,848
position key `pos:13215` · issuer key `iss:144` COM	TRIM	−$1.0M	−3,797	$18.2M	$17.2M	71,604	67,807
position key `sid:sec:prov:08b92641c720a61b2a0277aa2130fb5e` · issuer key `cusip6:46432F` MSCI USA SZE FT	TRIM	−$238K	−648	$16.5M	$16.2M	102,372	101,724
position key `sid:sec:prov:3880da0846e248a4b069bf6974f43a9f` · issuer key `cusip6:921946` EM MK GOV BD ETF	ADD	+$561K	+12,446	$14.2M	$14.7M	211,666	224,112
position key `sid:sec:prov:7e3935dc1f8b30677f3ae168aaf27ee0` · issuer key `cusip6:381430` ACTIVEBETA US LG	TRIM	−$638K	−1,035	$12.9M	$12.2M	98,740	97,705
position key `pos:17821` · issuer key `iss:89` CAP STK CL C	TRIM	+$1.2M	−924	$8.5M	$9.7M	34,912	33,988
position key `sid:sec:prov:fc1023a1198c0241370c2e55e9fb7671` · issuer key `cusip6:381430` ACTIVEBETA EME	TRIM	−$41.4K	−14,494	$9.6M	$9.6M	236,749	222,255
position key `pos:10455` · issuer key `iss:1091` COM NEW	TRIM	+$2.8M	−1,483	$5.2M	$7.9M	38,629	37,146
position key `sid:sec:prov:c61f94a59e58c0818e663238f56198ae` · issuer key `cusip6:381430` ACTIVEBETA US	TRIM	−$232K	−2,640	$7.6M	$7.4M	101,865	99,225
position key `pos:18039` · issuer key `iss:1025` COM	TRIM	−$899K	−1,180	$8.2M	$7.3M	25,969	24,789
position key `pos:18187` · issuer key `iss:1040` COM NEW	TRIM	+$1.8M	−131	$5.4M	$7.2M	5,050	4,919
position key `pos:11825` · issuer key `iss:1225` COM	TRIM	−$2.8M	−703	$8.9M	$6.1M	17,110	16,407
position key `pos:17201` · issuer key `iss:1208` COM	TRIM	+$541K	−113	$5.3M	$5.9M	6,877	6,764
position key `pos:12848` · issuer key `iss:1921` COM CL A	TRIM	−$795K	−494	$5.6M	$4.8M	16,486	15,992
position key `pos:11237` · issuer key `iss:1601` GOLD SHS	TRIM	−$5.8M	−18,398	$9.9M	$4.0M	27,762	9,364
position key `pos:10141` · issuer key `iss:1602` STATE STREET SPD	TRIM	−$24.8M	−255,401	$28.6M	$3.8M	285,137	29,736
position key `pos:12492` · issuer key `iss:810` COM NEW	ADD	+$242K	+1,513	$3.3M	$3.5M	10,966	12,479
position key `pos:16072` · issuer key `iss:1370` COM	TRIM	−$3.4M	−571	$6.9M	$3.5M	24,449	23,878
position key `pos:14552` · issuer key `iss:711` COM	TRIM	+$1.1M	−586	$2.3M	$3.4M	20,666	20,080
position key `sid:sec:prov:5d020e7224f573a887c84d61604dd6a7` · issuer key `cusip6:46641Q` US MOMENTUM	TRIM	−$122K	−1,816	$3.4M	$3.3M	50,403	48,587
position key `pos:11610` · issuer key `iss:287` COM	TRIM	−$878K	−199	$3.9M	$3.0M	3,363	3,164
position key `pos:10718` · issuer key `iss:1311` COM	TRIM	+$405K	−2,041	$2.6M	$3.0M	34,207	32,166
position key `pos:12030` · issuer key `iss:525` COM	TRIM	+$170K	−44	$2.8M	$3.0M	3,022	2,978
position key `pos:17863` · issuer key `iss:1147` COM	TRIM	+$18.9K	−531	$2.8M	$2.8M	14,140	13,609
position key `pos:12944` · issuer key `cusip6:922908` TOTAL STK MKT	ADD	+$12.9K	+232	$2.7M	$2.8M	8,366	8,598
position key `pos:17386` · issuer key `iss:806` COM	ADD	+$1.3M	+849	$1.4M	$2.7M	2,297	3,146
position key `pos:15142` · issuer key `iss:89` CAP STK CL A	TRIM	+$289K	−366	$2.2M	$2.4M	8,873	8,507
position key `pos:10357` · issuer key `iss:1786` COM	TRIM	−$643K	−388	$3.0M	$2.4M	6,835	6,447
position key `pos:11486` · issuer key `iss:1602` STATE STREET SPD	TRIM	−$496K	−16,280	$2.8M	$2.3M	104,183	87,903
position key `pos:17751` · issuer key `iss:1214` COM	TRIM	+$666K	−303	$1.6M	$2.3M	19,309	19,006
position key `pos:13599` · issuer key `iss:1035` COM	ADD	+$555K	+109	$1.7M	$2.2M	8,950	9,059
position key `pos:17899` · issuer key `iss:1745` COM	TRIM	+$192K	−70	$1.9M	$2.1M	13,428	13,358
position key `pos:14175` · issuer key `iss:95` COM	TRIM	−$243K	−589	$2.3M	$2.1M	10,634	10,045
position key `pos:14231` · issuer key `iss:1013` ISHS 1-5YR INVS	ADD	+$139K	+2,960	$1.9M	$2.0M	35,628	38,588
position key `pos:11205` · issuer key `iss:255` CL B NEW	TRIM	−$257K	−314	$2.3M	$2.0M	4,512	4,198
position key `sid:sec:prov:e80cc45ae7833b901a24570947177154` · issuer key `cusip6:921909` VG TL INTL STK F	TRIM	+$73.7K	−275	$1.9M	$2.0M	26,000	25,725
position key `pos:17533` · issuer key `iss:1509` COM	TRIM	−$863K	−1,765	$2.8M	$2.0M	16,925	15,160
position key `pos:11944` · issuer key `iss:454` COM	TRIM	+$181K	−645	$1.7M	$1.9M	25,244	24,599
position key `pos:15642` · issuer key `iss:1334` COM	TRIM	−$250K	−656	$2.1M	$1.8M	11,119	10,463
position key `pos:10854` · issuer key `iss:300` COM	TRIM	−$567K	−12	$2.3M	$1.8M	434	422
position key `sid:sec:prov:bce024cedb5a73e1c516a1c8a9f328d6` · issuer key `cusip6:92206C` VNG RUS2000IDX	ADD	+$150K	+1,173	$1.4M	$1.5M	14,035	15,208
position key `pos:13833` · issuer key `iss:1435` COM	TRIM	−$78.5K	−1,569	$1.6M	$1.5M	11,122	9,553
position key `sid:sec:prov:3befb2dfacacebff62a1d992609b2891` · issuer key `cusip6:922907` TAX EXEMPT BD	ADD	+$119K	+2,488	$1.4M	$1.5M	27,162	29,650
position key `pos:17409` · issuer key `cusip6:921943` VAN FTSE DEV MKT	ADD	+$438K	+5,846	$920K	$1.4M	15,355	21,201
position key `pos:12827` · issuer key `iss:323` COM	ADD	+$741K	+2,508	$575K	$1.3M	1,744	4,252
position key `sid:sec:prov:95244820e5ef3c711847ca85bc648b15` · issuer key `cusip6:00162Q` MED BREAKTHGH	TRIM	−$159K	−12,724	$1.5M	$1.3M	37,593	24,869
position key `pos:11570` · issuer key `iss:1599` TR UNIT CALL	NEW	+$1.3M	+2,000	$0	$1.3M	—	2,000
position key `pos:14064` · issuer key `iss:2295` COM	TRIM	−$371K	−736	$1.7M	$1.3M	7,336	6,600
position key `pos:11209` · issuer key `cusip6:922908` GROWTH ETF	ADD	+$122K	+517	$1.2M	$1.3M	2,426	2,943
position key `pos:17598` · issuer key `iss:1013` SHRT NAT MUN ETF	ADD	+$565K	+5,321	$683K	$1.2M	6,392	11,713
position key `pos:16249` · issuer key `cusip6:921908` DIV APP ETF	ADD	+$40.5K	+206	$1.1M	$1.2M	5,242	5,448
position key `pos:17630` · issuer key `iss:1849` COM	TRIM	−$80.4K	−51	$1.2M	$1.1M	2,234	2,183
position key `pos:10307` · issuer key `iss:1012` CORE S&P500 ETF	NEW	+$1.1M	+1,702	$0	$1.1M	—	1,702
position key `pos:11570` · issuer key `iss:1599` TR UNIT	ADD	+$36.0K	+93	$1.0M	$1.1M	1,548	1,641
position key `pos:11609` · issuer key `iss:1447` COM	TRIM	+$251K	−140	$816K	$1.1M	5,997	5,857
position key `pos:10136` · issuer key `iss:990` COM	ADD	−$73.8K	+349	$1.1M	$1.1M	3,983	4,332
position key `pos:13905` · issuer key `iss:1016` CORE MSCI EMKT	ADD	+$514K	+6,943	$505K	$1.0M	7,665	14,608
position key `pos:11528` · issuer key `iss:1012` RUS 1000 GRW ETF	TRIM	−$209K	−237	$1.2M	$994K	2,568	2,331
position key `pos:14992` · issuer key `iss:1485` COM	TRIM	−$126K	−432	$1.1M	$928K	6,853	6,421
position key `pos:14055` · issuer key `cusip6:922908` MID CAP ETF	ADD	+$522K	+1,846	$379K	$901K	1,290	3,136
position key `sid:sec:prov:f1fd766d326ca552a85c000a4415c3d6` · issuer key `cusip6:46432F` CORE MSCI EAFE	NEW	+$891K	+9,845	$0	$891K	—	9,845
position key `sid:sec:prov:9e9b7b6e93ed7397fc1e5afd57a7613b` · issuer key `cusip6:746729` FRANKLIN NY MUNI	NEW	+$850K	+108,955	$0	$850K	—	108,955
position key `pos:13490` · issuer key `iss:1939` COM	ADD	+$151K	+73	$692K	$843K	6,710	6,783
position key `sid:sec:prov:2727b63284f6235da134480881be8949` · issuer key `cusip6:922042` FTSE EMR MKT ETF	ADD	+$181K	+3,373	$660K	$840K	12,177	15,550
position key `pos:11390` · issuer key `iss:720` CL A	ADD	−$220K	+12	$1.0M	$806K	1,397	1,409
position key `pos:12827` · issuer key `iss:323` COM PUT	NEW	+$774K	+2,500	$0	$774K	—	2,500
position key `pos:16115` · issuer key `iss:1869` COM	TRIM	−$719K	−1,465	$1.5M	$771K	4,314	2,849
position key `pos:11267` · issuer key `iss:2257` COM	ADD	+$101K	+34	$579K	$680K	2,053	2,087
position key `pos:16096` · issuer key `iss:1206` COM	ADD	+$75.5K	+200	$587K	$663K	1,932	2,132
position key `sid:sec:prov:4bf4a03276865e7070ffcb8527bf98a8` · issuer key `cusip6:922908` MCAP GR IDXVIP	ADD	−$33.6K	+204	$694K	$660K	2,362	2,566
position key `pos:14737` · issuer key `iss:1012` CORE US AGGBD ET	NEW	+$572K	+5,765	$0	$572K	—	5,765
position key `pos:11463` · issuer key `iss:1012` CORE S&P TTL STK	NEW	+$568K	+3,988	$0	$568K	—	3,988
position key `pos:16439` · issuer key `iss:520` COM	ADD	+$271K	+600	$288K	$559K	3,511	4,111
position key `sid:sec:prov:4d447c08508794b93a56d5c7ab4cc814` · issuer key `cusip6:669549` COM	TRIM	+$24.3K	−1,874	$504K	$529K	19,846	17,972
position key `pos:13167` · issuer key `iss:1501` COM	TRIM	−$34.3K	−1	$548K	$513K	1,896	1,895
position key `sid:sec:prov:1817ff6a8b77f332e6d7f8022cc4199c` · issuer key `cusip6:203607` COM	TRIM	−$7.3K	−126	$517K	$509K	8,812	8,686
position key `pos:15863` · issuer key `iss:1123` COM	ADD	+$89.1K	+11	$385K	$474K	504	515
position key `pos:15626` · issuer key `iss:1529` COM	TRIM	+$12.0K	−303	$461K	$473K	2,756	2,453
position key `pos:17231` · issuer key `cusip6:922908` SMALL CP ETF	ADD	+$16.1K	+10	$448K	$464K	1,762	1,772
position key `pos:11717` · issuer key `iss:440` COM	TRIM	+$47.1K	−435	$412K	$460K	2,656	2,221
position key `pos:10493` · issuer key `iss:471` COM	TRIM	+$4.4K	−802	$446K	$450K	6,721	5,919
position key `sid:sec:prov:e1fd18a8d58c43ad5ed9af37714bdfaa` · issuer key `cusip6:922908` SML CP GRW ETF	ADD	+$55.9K	+166	$370K	$426K	1,242	1,408
position key `sid:sec:prov:df074602715c1ffe206222b8ce0c038f` · issuer key `cusip6:46434V` CORE UNIVRSL USD	NEW	+$407K	+8,812	$0	$407K	—	8,812
position key `pos:15571` · issuer key `iss:1013` JPMORGAN USD EMG	TRIM	−$9.5K	−43	$414K	$404K	4,348	4,305

Flags: no row carries a flag.

1–20 of the 100 changes on this page

Mark-to-market only (no share change) · 26

Positions whose share count is identical in both quarters; the value changed with price, not with a decision.

Positions held with no share change into quarter 2026-03-31
position matched across quarters by exact reported CUSIP over a registry gap — producer-reconciled identity, never a name match `identity_reconciled_by_cusip`	the reported share count is unchanged across the pair; this build's data classified the change from its reported value; builds from 2026-09-10 on read it as NO CHANGE `classified_by_value` · EXIT = absent this quarter: disposed, delisted, under confidential treatment, or reported instead by an affiliated manager — the filing does not say which · change not classifiable: value undisclosed on one side of the quarter pair, or neither shares nor value can classify it · NO CHANGE = the share count is identical in both quarters; the value moved only with price, so the row is mark-to-market and never an ADD or a TRIM (NEW / ADD / TRIM / EXIT / NO CHANGE) · NO PRIOR = this filer has no comparable holdings list for the previous quarter on record — a first filing under this registration, or a quarter reported inside an affiliated manager's filing — so the position is not called a new stake	derived by Public Filings from the published aggregate; NULL means the source did not disclose a usable value — never zero	Prev value	Curr value	Prev shares	Curr shares
position key `pos:15499` · issuer key `iss:23` COM	NO CHANGE	−$58.4K	$962K	$904K	4,155	4,155
position key `pos:14206` · issuer key `iss:1193` CL A	NO CHANGE	−$123K	$1.0M	$885K	1,772	1,772
position key `pos:11938` · issuer key `iss:834` COM	NO CHANGE	+$51.4K	$824K	$876K	1,035	1,035
position key `pos:13471` · issuer key `iss:562` COM	NO CHANGE	+$160K	$691K	$851K	1,511	1,511
position key `pos:11621` · issuer key `iss:1253` COM NEW	NO CHANGE	+$28.8K	$815K	$843K	5,125	5,125
position key `sid:sec:prov:beafa1ae0c917b4bc0bad88f645ea4d8` · issuer key `cusip6:25434V` US TARGETED VLU	NO CHANGE	+$45.2K	$620K	$666K	10,658	10,658
position key `pos:16131` · issuer key `iss:1632` COM	NO CHANGE	−$9.2K	$592K	$583K	6,199	6,199
position key `pos:10793` · issuer key `iss:195` COM	NO CHANGE	−$228K	$741K	$513K	2,523	2,523
position key `pos:16368` · issuer key `iss:953` COM	NO CHANGE	−$69.9K	$580K	$510K	908	908
position key `pos:10715` · issuer key `iss:916` COM	NO CHANGE	−$113K	$598K	$485K	1,475	1,475
position key `sid:sec:prov:85bbd3b28857c8988aa9b3717f950d84` · issuer key `cusip6:46432F` MSCI USA VALUE	NO CHANGE	+$58.1K	$424K	$482K	3,390	3,390
position key `sid:sec:prov:1e6f07bffab058d990fc818109d271bc` · issuer key `cusip6:25434V` US MKTWIDE VALUE	NO CHANGE	+$37.2K	$441K	$479K	9,875	9,875
position key `pos:16667` · issuer key `iss:362` COM	NO CHANGE	+$64.3K	$412K	$476K	11,606	11,606
position key `pos:11625` · issuer key `iss:2284` N Y REGISTRY SHS	NO CHANGE	+$121K	$332K	$453K	343	343
position key `sid:sec:prov:303540766d2ecf333f46440f72a108ab` · issuer key `cusip6:92206C` VNG RUS1000IDX	NO CHANGE	−$10.3K	$431K	$421K	1,425	1,425
position key `sid:sec:prov:82d309cea65b1aeecf30d5a16aa93973` · issuer key `cusip6:890110` COM	NO CHANGE	+$64.4K	$337K	$402K	5,095	5,095
position key `pos:13432` · issuer key `iss:411` COM	NO CHANGE	+$130K	$269K	$399K	563	563
position key `pos:15035` · issuer key `iss:505` COM	NO CHANGE	+$84.9K	$215K	$300K	2,270	2,270
position key `pos:15445` · issuer key `iss:84` COM	NO CHANGE	−$10.1K	$295K	$285K	1,375	1,375
position key `pos:15485` · issuer key `iss:903` COM	NO CHANGE	+$25.9K	$233K	$259K	1,244	1,244
position key `sid:sec:prov:ef4fd05fc276417c9957e325895ae543` · issuer key `cusip6:452525` COM PAR	NO CHANGE	−$5.2K	$239K	$234K	37,000	37,000
position key `pos:10434` · issuer key `iss:482` COM	NO CHANGE	+$14.3K	$217K	$231K	2,710	2,710
position key `pos:11515` · issuer key `iss:1633` US SML CAP ETF	NO CHANGE	+$9.3K	$219K	$229K	7,864	7,864
position key `pos:10904` · issuer key `iss:1569` COM	NO CHANGE	+$5.7K	$213K	$219K	610	610
position key `pos:12476` · issuer key `iss:1633` INTL EQTY ETF	NO CHANGE	+$12.8K	$203K	$216K	8,722	8,722
position key `pos:12445` · issuer key `iss:1405` CL A	NO CHANGE	−$52.4K	$265K	$212K	1,450	1,450

Flags: no row carries a flag.

Newest filing in this build: 2026-07-31. Per-row filing dates are on each receipt.

Truncated by Public Filings. Changes compare every position with a security identifier, new and exited included; holdings without one are counted, not compared. methodology §13F ↗

Reported positions — 2026-03-31

1–100 of 109 issuers · $2.1B disclosed value over 153 rows · 0 undisclosed-value rows

View

This build carries one quarter for this manager: 2026-03-31. Notable managers carry four published quarters, others two.

This list carries reported issuer names and security identities, without a dated ticker mapping. Symbols are not inferred from names.

a position composed from a base filing plus NEW-HOLDINGS amendments keeps every source row here; the composition's latest filed date is the one shown served from this build's published holdings (derived from the filer's own reported rows); every row resolves to its filing

Share of total reported value, calculated only when the full position list has disclosed values. This is 13F long value, not total assets.

value undisclosed on the filing: retained and counted, excluded from sums, never shown as $0

—

ISHARES TR

4 positions · 4 reported rows

Rows Strategic Financial Services, Inc. reported for ISHARES TR, as it reported them
ISHARES TR · INTL EQTY FACTOR CUSIP 46434V274 src ↗	$339M	8,700,431
ISHARES TR · US SML CAP EQT CUSIP 46434V290 src ↗	$290M	3,836,442
ISHARES TR · U S EQUITY FACTR CUSIP 46434V282 src ↗	$263M	3,990,874
ISHARES TR · CORE UNIVRSL USD CUSIP 46434V613 src ↗	$407K	8,812

ticker not yet mapped

$892M

16,536,559

42.5%

—

VANGUARD SCOTTSDALE FDS

8 positions · 8 reported rows

Rows Strategic Financial Services, Inc. reported for VANGUARD SCOTTSDALE FDS, as it reported them
VANGUARD SCOTTSDALE FDS · INTER TERM TREAS CUSIP 92206C706 src ↗	$161M	2,703,579
VANGUARD SCOTTSDALE FDS · SHRT TRM CORP BD CUSIP 92206C409 src ↗	$115M	1,451,149
VANGUARD SCOTTSDALE FDS · LONG TERM TREAS CUSIP 92206C847 src ↗	$72.4M	1,308,320
VANGUARD SCOTTSDALE FDS · INT-TERM CORP CUSIP — src ↗	$71.9M	869,001
VANGUARD SCOTTSDALE FDS · SHORT TERM TREAS CUSIP 92206C102 src ↗	$34.5M	589,560
VANGUARD SCOTTSDALE FDS · VNG RUS2000IDX CUSIP 92206C664 src ↗	$1.5M	15,208
VANGUARD SCOTTSDALE FDS · VNG RUS1000IDX CUSIP 92206C730 src ↗	$421K	1,425
VANGUARD SCOTTSDALE FDS · VNG RUS1000VAL CUSIP 92206C714 src ↗	$206K	2,200

ticker not yet mapped

$457M

6,940,442

21.7%

—

ISHARES INC

2 positions · 2 reported rows

Rows Strategic Financial Services, Inc. reported for ISHARES INC, as it reported them
ISHARES INC · EMNG MKTS EQT CUSIP — src ↗	$114M	1,885,974
ISHARES INC · CORE MSCI EMKT CUSIP — src ↗	$1.0M	14,608

ticker not yet mapped

$115M

1,900,582

5.5%

—

VANGUARD MALVERN FDS · STRM INFPROIDX CUSIP 922020805
2026-03-31 filed 2026-05-08 +38d

src ↗

ticker not yet mapped

$73.4M

1,468,510

3.5%

—

ISHARES TR

4 positions · 4 reported rows

Rows Strategic Financial Services, Inc. reported for ISHARES TR, as it reported them
ISHARES TR · MSCI USA MMENTM CUSIP 46432F396 src ↗	$54.1M	225,567
ISHARES TR · MSCI USA SZE FT CUSIP 46432F370 src ↗	$16.2M	101,724
ISHARES TR · CORE MSCI EAFE CUSIP 46432F842 src ↗	$891K	9,845
ISHARES TR · MSCI USA VALUE CUSIP 46432F388 src ↗	$482K	3,390

ticker not yet mapped

$71.7M

340,526

3.4%

—

GOLDMAN SACHS ETF TR

4 positions · 4 reported rows

Rows Strategic Financial Services, Inc. reported for GOLDMAN SACHS ETF TR, as it reported them
GOLDMAN SACHS ETF TR · ACTIVEBETA INT CUSIP 381430107 src ↗	$38.4M	890,002
GOLDMAN SACHS ETF TR · ACTIVEBETA US LG CUSIP 381430503 src ↗	$12.2M	97,705
GOLDMAN SACHS ETF TR · ACTIVEBETA EME CUSIP 381430206 src ↗	$9.6M	222,255
GOLDMAN SACHS ETF TR · ACTIVEBETA US CUSIP 381430602 src ↗	$7.4M	99,225

ticker not yet mapped

$67.6M

1,309,187

3.2%

—

VANGUARD WELLINGTON FD · US MOMENTUM CUSIP 921935508
2026-03-31 filed 2026-05-08 +38d

src ↗

ticker not yet mapped

$56.3M

285,538

2.7%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

WORLD GOLD TR · SPDR GLD MINIS CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$54.1M

583,756

2.6%

—

DIMENSIONAL ETF TRUST

3 positions · 3 reported rows

Rows Strategic Financial Services, Inc. reported for DIMENSIONAL ETF TRUST, as it reported them
DIMENSIONAL ETF TRUST · INTERNATNAL VAL CUSIP 25434V807 src ↗	$44.0M	833,500
DIMENSIONAL ETF TRUST · US TARGETED VLU CUSIP 25434V609 src ↗	$666K	10,658
DIMENSIONAL ETF TRUST · US MKTWIDE VALUE CUSIP 25434V724 src ↗	$479K	9,875

ticker not yet mapped

$45.1M

854,033

2.1%

—

ISHARES INC · MSCI EQUAL WEITE CUSIP 464286681
2026-03-31 filed 2026-05-08 +38d

src ↗

ticker not yet mapped

$39.0M

383,497

1.9%

—

ISHARES TR

4 positions · 4 reported rows

Rows Strategic Financial Services, Inc. reported for ISHARES TR, as it reported them
ISHARES TR · INTRM GOV CR ETF CUSIP — src ↗	$29.0M	271,848
ISHARES TR · ISHS 1-5YR INVS CUSIP — src ↗	$2.0M	38,588
ISHARES TR · SHRT NAT MUN ETF CUSIP — src ↗	$1.2M	11,713
ISHARES TR · JPMORGAN USD EMG CUSIP — src ↗	$404K	4,305

ticker not yet mapped

$32.7M

326,454

1.6%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

APPLE INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$17.2M

67,807

0.8%

—

VANGUARD WHITEHALL FDS · EM MK GOV BD ETF CUSIP 921946885
2026-03-31 filed 2026-05-08 +38d

src ↗

ticker not yet mapped

$14.7M

224,112

0.7%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred) verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

ALPHABET INC

2 positions · 2 reported rows

Rows Strategic Financial Services, Inc. reported for ALPHABET INC, as it reported them
ALPHABET INC · CAP STK CL C CUSIP — src ↗	$9.7M	33,988
ALPHABET INC · CAP STK CL A CUSIP — src ↗	$2.4M	8,507

$12.2M

42,495

0.6%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

LAM RESEARCH CORP · COM NEW CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$7.9M

37,146

0.4%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

JPMORGAN CHASE & CO · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$7.3M

24,789

0.3%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

KLA CORP · COM NEW CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$7.2M

4,919

0.3%

—

VANGUARD INDEX FDS

8 positions · 8 reported rows

Rows Strategic Financial Services, Inc. reported for VANGUARD INDEX FDS, as it reported them
VANGUARD INDEX FDS · TOTAL STK MKT CUSIP — src ↗	$2.8M	8,598
VANGUARD INDEX FDS · GROWTH ETF CUSIP — src ↗	$1.3M	2,943
VANGUARD INDEX FDS · MID CAP ETF CUSIP — src ↗	$901K	3,136
VANGUARD INDEX FDS · MCAP GR IDXVIP CUSIP 922908538 src ↗	$660K	2,566
VANGUARD INDEX FDS · SMALL CP ETF CUSIP — src ↗	$464K	1,772
VANGUARD INDEX FDS · SML CP GRW ETF CUSIP 922908595 src ↗	$426K	1,408
VANGUARD INDEX FDS · VALUE ETF CUSIP — src ↗	$310K	1,581
VANGUARD INDEX FDS · SM CP VAL ETF CUSIP — src ↗	$305K	1,405

ticker not yet mapped

$7.1M

23,409

0.3%

—

SPDR SERIES TRUST

2 positions · 2 reported rows

Rows Strategic Financial Services, Inc. reported for SPDR SERIES TRUST, as it reported them
SPDR SERIES TRUST · STATE STREET SPD CUSIP — src ↗	$3.8M	29,736
SPDR SERIES TRUST · STATE STREET SPD CUSIP — src ↗	$2.3M	87,903

ticker not yet mapped

$6.1M

117,639

0.3%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

MICROSOFT CORP · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$6.1M

16,407

0.3%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

MCKESSON CORP · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$5.9M

6,764

0.3%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

VISA INC · COM CL A CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$4.8M

15,992

0.2%

—

ISHARES TR

9 positions · 9 reported rows

Rows Strategic Financial Services, Inc. reported for ISHARES TR, as it reported them
ISHARES TR · CORE S&P500 ETF CUSIP — src ↗	$1.1M	1,702
ISHARES TR · RUS 1000 GRW ETF CUSIP — src ↗	$994K	2,331
ISHARES TR · CORE US AGGBD ET CUSIP — src ↗	$572K	5,765
ISHARES TR · CORE S&P TTL STK CUSIP — src ↗	$568K	3,988
ISHARES TR · S&P 500 GRWT ETF CUSIP — src ↗	$308K	2,720
ISHARES TR · CORE S&P MCP ETF CUSIP — src ↗	$279K	4,135
ISHARES TR · RUSSELL 2000 ETF CUSIP — src ↗	$250K	1,007
ISHARES TR · S&P 500 VAL ETF CUSIP — src ↗	$239K	1,130
ISHARES TR · RUS MID CAP ETF CUSIP — src ↗	$202K	2,081

ticker not yet mapped

$4.5M

24,859

0.2%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

SPDR GOLD TR · GOLD SHS CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$4.0M

9,364

0.2%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

GE AEROSPACE · COM NEW CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$3.5M

12,479

0.2%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

ORACLE CORP · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$3.5M

23,878

0.2%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

EXXON MOBIL CORP · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$3.4M

20,080

0.2%

—

J P MORGAN EXCHANGE TRADED F · US MOMENTUM CUSIP 46641Q779
2026-03-31 filed 2026-05-08 +38d

src ↗

ticker not yet mapped

$3.3M

48,587

0.2%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

BLACKROCK INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$3.0M

3,164

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

NEXTERA ENERGY INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$3.0M

32,166

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

COSTCO WHOLESALE CORPORATION · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$3.0M

2,978

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

M & T BK CORP · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$2.8M

13,609

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

GE VERNOVA INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$2.7M

3,146

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

TESLA INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$2.4M

6,447

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

STATE STR SPDR S&P 500 ETF T

2 positions · 2 reported rows

Rows Strategic Financial Services, Inc. reported for STATE STR SPDR S&P 500 ETF T, as it reported them
STATE STR SPDR S&P 500 ETF T · TR UNIT · CALL CUSIP — src ↗	$1.3M	2,000
STATE STR SPDR S&P 500 ETF T · TR UNIT CUSIP — src ↗	$1.1M	1,641

$2.4M

3,641

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

MERCK & CO INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$2.3M

19,006

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

JOHNSON & JOHNSON · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$2.2M

9,059

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

TJX COS INC NEW · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$2.1M

13,358

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

AMAZON COM INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$2.1M

10,045

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

BROADCOM INC

2 positions · 3 reported rows

Rows Strategic Financial Services, Inc. reported for BROADCOM INC, as it reported them
BROADCOM INC · COM CUSIP — src ↗	$774K	2,500
BROADCOM INC · COM · PUT CUSIP — src ↗	$774K	2,500
BROADCOM INC · COM CUSIP — src ↗	$542K	1,752

$2.1M

6,752

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

BERKSHIRE HATHAWAY INC DEL · CL B NEW CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$2.0M

4,198

0.1%

—

VANGUARD STAR FDS · VG TL INTL STK F CUSIP 921909768
2026-03-31 filed 2026-05-08 +38d

src ↗

ticker not yet mapped

$2.0M

25,725

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

QUALCOMM INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$2.0M

15,160

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

CISCO SYS INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$1.9M

24,599

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

NVIDIA CORPORATION · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$1.8M

10,463

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

BOOKING HOLDINGS INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$1.8M

422

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

PEPSICO INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$1.5M

9,553

0.1%

—

VANGUARD MUN BD FDS · TAX EXEMPT BD CUSIP 922907746
2026-03-31 filed 2026-05-08 +38d

src ↗

ticker not yet mapped

$1.5M

29,650

0.1%

—

VANGUARD TAX-MANAGED FDS · VAN FTSE DEV MKT CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

ticker not yet mapped

$1.4M

21,201

0.1%

—

ALPS ETF TR · MED BREAKTHGH CUSIP 00162Q593
2026-03-31 filed 2026-05-08 +38d

src ↗

ticker not yet mapped

$1.3M

24,869

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

NXP SEMICONDUCTORS N V · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$1.3M

6,600

0.1%

—

VANGUARD INTL EQUITY INDEX F

2 positions · 2 reported rows

Rows Strategic Financial Services, Inc. reported for VANGUARD INTL EQUITY INDEX F, as it reported them
VANGUARD INTL EQUITY INDEX F · FTSE EMR MKT ETF CUSIP 922042858 src ↗	$840K	15,550
VANGUARD INTL EQUITY INDEX F · ALLWRLD EX US CUSIP — src ↗	$347K	4,621

ticker not yet mapped

$1.2M

20,171

0.1%

—

VANGUARD SPECIALIZED FUNDS · DIV APP ETF CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

ticker not yet mapped

$1.2M

5,448

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

ULTA BEAUTY INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$1.1M

2,183

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

PHILLIPS 66 · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$1.1M

5,857

0.1%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

INTERNATIONAL BUSINESS MACHS · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$1.1M

4,332

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

PROCTER & GAMBLE CO · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$928K

6,421

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

ABBVIE INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$904K

4,155

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

MASTERCARD INCORPORATED · CL A CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$885K

1,772

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

GOLDMAN SACHS GROUP INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$876K

1,035

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

DEERE & CO · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$851K

1,511

0.0%

—

PUTNAM ETF TRUST · FRANKLIN NY MUNI CUSIP 746729763
2026-03-31 filed 2026-05-08 +38d

src ↗

ticker not yet mapped

$850K

108,955

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

MORGAN STANLEY · COM NEW CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$843K

5,125

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

WALMART INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$843K

6,783

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

META PLATFORMS INC · CL A CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$806K

1,409

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

UNITEDHEALTH GROUP INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$771K

2,849

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

CHUBB LTD SWITZ · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$680K

2,087

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

MCDONALDS CORP · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$663K

2,132

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

SCHWAB CHARLES CORP · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$583K

6,199

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

CORNING INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$559K

4,111

0.0%

—

NORWOOD FINANCIAL CORP · COM CUSIP 669549107
2026-03-31 filed 2026-05-08 +38d

src ↗

ticker not yet mapped

$529K

17,972

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

PUBLIC STORAGE OPER CO · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$513K

1,895

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

AUTOMATIC DATA PROCESSING IN · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$513K

2,523

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

IDEXX LABS INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$510K

908

0.0%

—

COMMUNITY FINANCIAL SYSTEM I · COM CUSIP 203607106
2026-03-31 filed 2026-05-08 +38d

src ↗

ticker not yet mapped

$509K

8,686

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

HOME DEPOT INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$485K

1,475

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

CSX CORP · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$476K

11,606

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

ELI LILLY & CO · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$474K

515

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

RTX CORPORATION · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$473K

2,453

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

CHEVRON CORPORATION · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$460K

2,221

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

ASML HLDG NV · N Y REGISTRY SHS CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$453K

343

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

COCA COLA CO · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$450K

5,919

0.0%

—

SCHWAB STRATEGIC TR

2 positions · 2 reported rows

Rows Strategic Financial Services, Inc. reported for SCHWAB STRATEGIC TR, as it reported them
SCHWAB STRATEGIC TR · US SML CAP ETF CUSIP — src ↗	$229K	7,864
SCHWAB STRATEGIC TR · INTL EQTY ETF CUSIP — src ↗	$216K	8,722

ticker not yet mapped

$445K

16,586

0.0%

—

TOMPKINS FINL CORP · COM CUSIP 890110109
2026-03-31 filed 2026-05-08 +38d

src ↗

ticker not yet mapped

$402K

5,095

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

CATERPILLAR INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$399K

563

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

TRAVELERS COMPANIES INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$388K

1,330

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

ILLINOIS TOOL WKS INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$356K

1,367

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

ABBOTT LABORATORIES · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$342K

3,329

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

WASTE MGMT INC DEL · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$335K

1,459

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

CONOCOPHILLIPS · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$300K

2,270

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

ALLSTATE CORP · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$285K

1,375

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

HARTFORD INSURANCE GROUP INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$280K

2,072

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

SOUTHERN CO · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$267K

2,768

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

HONEYWELL INTL INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$263K

1,163

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

VERIZON COMMUNICATIONS INC · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$259K

5,154

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

HERSHEY CO · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$259K

1,244

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

MONDELEZ INTL INC · CL A CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$247K

4,287

0.0%

—

IMMUCELL CORP · COM PAR CUSIP 452525306
2026-03-31 filed 2026-05-08 +38d

src ↗

ticker not yet mapped

$234K

37,000

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

COLGATE PALMOLIVE CO · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$231K

2,710

0.0%

verified against the SEC company list on 2026-09-10 — a reviewed mapping row for this filed issuer name and class (never inferred)

BOEING CO · COM CUSIP —
2026-03-31 filed 2026-05-08 +38d

src ↗

$231K

1,160

0.0%

1–20 of the 100 issuers on this page

Change kind and share change are in Position changes above; Congress overlap is planned.

One line per issuer, largest first; a row with no issuer key stands on its own line. Open a line for its rows as this filer reported them. The list holds every row this filer reported for the quarter. Issuer totals on the holders pages count each manager's own report once; that never removes a row here. how positions are grouped ↗

Book shape

2026-03-31 · concentration · vs tracked median · tick = median

Top-25 concentration: 92.5%above median 80.0%
Concentration index: 800 bpsabove median 446 bps
Positions with value: 153 / 153median book 97.5 positions

Concentration uses reported 13F long value, not total assets. The index is withheld when any position lacks a value. Medians are over the 8,748 tracked filers with a 2026-03-31 book; the index median over the 8,662 with a complete book.

holdings whose <value> did not parse — retained and counted, never zero-filled: 0 · share of the period's disclosed value held in the top-N positions; denominator is reported 13F value, not total assets: 92.5% · integer Herfindahl–Hirschman index in basis points over disclosed position values: 800 · QoQ moves: 161

Filing history

AVAILABLE QUARTERS

Available filing periods
Period	Source
2026-03-31	EDGAR ↗

PLANNED sector rotation · Congress overlap · signals for this filer

Complete source filings on SEC EDGAR

The complete filing on EDGAR.

The position list above is served from the published Public Filings build, each position as this filer reported it; where the page cannot embed every reported row, the list says how many it leaves out. This block is provenance, not a substitute: the filing itself is the record, and it is one click away. Public Filings decided on 2026-08-01 to serve this list from its published build; filings newer than this build are on EDGAR.

Open Strategic Financial Services, Inc.'s 13F filings on SEC EDGAR ↗

Notes on this data

Reported positions

Quarter-end holdings as filed

Explore the full published position list and its source filing. This record excludes the manager’s cash, shorts and non-13(f) assets.

Share changes

Compare consecutive quarters

Position changes retain the producer’s classification and comparability flags. Share counts and reported values describe different changes.

Coverage

A snapshot, not current holdings

Use the quarter selector to inspect available periods. Unknown values stay unknown and each table states its coverage.

A 13F is a quarterly, long-only snapshot filed up to 45 days late — not current holdings. what a 13F covers ↗

13F reports cover LONG positions in Section 13(f) securities (US exchange-traded equities plus reportable options, warrants, certain convertibles) held by managers with at least $100M in such securities — so managers below that threshold are absent entirely. No short positions, no cash, no non-13(f) assets — not a full portfolio, and not a census of institutional ownership.

Positions are quarter-end snapshots filed up to 45 days late — not current holdings. A position may have been changed or closed before you ever see it, and is older still by however long ago that quarter ended.

Values are the manager's stated market value at quarter-end in era-dependent units (whole dollars for form versions effective 2023-01-03 onward, thousands before), normalized here to whole dollars with unit_basis carried on every record.

Affiliated managers may report the same position (otherManager), so one position can appear under more than one filer.

Positions under confidential treatment may be omitted until a later amendment discloses them.

These are disclosures, not investment advice (ARCHITECTURE.md §5.2 / M2-CONTRACT §5).