# EDGAR Filing Document

**Accession Number:** 0001774343
**File Stem:** 0001774343-23-000001
**Filing Date:** 2023-2
**Character Count:** 11684
**Document Hash:** 8b5ca02e54ffb594277a8cf60cb20a4d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001774343-23-000001.hdr.sgml**: 20230210

**ACCESSION NUMBER**: 0001774343-23-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230210

**DATE AS OF CHANGE**: 20230210

**EFFECTIVENESS DATE**: 20230210

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Financial Strategies Group, Inc.
- **CENTRAL INDEX KEY:** 0001774343
- **IRS NUMBER:** 822226358
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19935
- **FILM NUMBER:** 23609909

**BUSINESS ADDRESS:**
- **STREET 1:** 2270 JOLLY OAK RD., SUITE 2
- **CITY:** OKEMOS
- **STATE:** MI
- **ZIP:** 48864
- **BUSINESS PHONE:** (517) 347-4337

**MAIL ADDRESS:**
- **STREET 1:** 2270 JOLLY OAK RD., SUITE 2
- **CITY:** OKEMOS
- **STATE:** MI
- **ZIP:** 48864

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Financial Strategies Group Inc.<br>**Address:** 2270 JOLLY OAK RD. SUITE 2<br>OKEMOS, MI 48864

**Form 13F File Number:** 028-19935

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Kristin Prieur<br>**Title:** CCO<br>**Phone:** 8104417385

**Signature, Place, and Date of Signing:**

Kristin Prieur  Holly, MI  02-10-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[ ] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[x] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 78

**Form 13F Information Table Value Total:** $240718504

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

|   No. | Name                            | Form 13F File Number   | CRD Number   | SEC File Number   |
|---:|:---|:---|:---|:---|
|     1 | Morningstar Investment Services |  |  |  |

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ALIBABA GROUP HLDG LTD | SPONSORED ADS | 01609W102 |  | 1319941 | 14984 | SH |  | SOLE | 0 | 0 | 0 | 14984 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1759960 | 19835 | SH |  | SOLE | 0 | 0 | 0 | 19835 |
| AMAZON COM INC | COM | 023135106 |  | 1877484 | 22351 | SH |  | SOLE | 0 | 0 | 0 | 22351 |
| APPLE INC | COM | 037833100 |  | 2062153 | 15871 | SH |  | SOLE | 0 | 0 | 0 | 15871 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1974180 | 6391 | SH |  | SOLE | 0 | 0 | 0 | 6391 |
| BP PLC | SPONSORED ADR | 055622104 |  | 314370 | 9000 | SH |  | SOLE | 0 | 0 | 0 | 9000 |
| CHEVRON CORP NEW | COM | 166764100 |  | 354510 | 1975 | SH |  | SOLE | 0 | 0 | 0 | 1975 |
| COCA COLA CO | COM | 191216100 |  | 312261 | 4909 | SH |  | SOLE | 0 | 0 | 0 | 4909 |
| CSX CORP | COM | 126408103 |  | 334584 | 10800 | SH |  | SOLE | 0 | 0 | 0 | 10800 |
| DEERE  CO | COM | 244199105 |  | 217813 | 508 | SH |  | SOLE | 0 | 0 | 0 | 508 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1996201 | 18098 | SH |  | SOLE | 0 | 0 | 0 | 18098 |
| FIRST TR EXCH TRADED FD III | MANAGD MUN ETF | 33739N108 |  | 341748 | 6820 | SH |  | SOLE | 0 | 0 | 0 | 6820 |
| FIRST TR EXCHNG TRADED FD VI | CBOE VEST FD DEP | 33740U703 |  | 9339725 | 474821 | SH |  | SOLE | 0 | 0 | 0 | 474821 |
| FORD MTR CO DEL | COM | 345370860 |  | 1152221 | 99073 | SH |  | SOLE | 0 | 0 | 0 | 99073 |
| GRANITESHARES GOLD TR | SHS BEN INT | 38748G101 |  | 784110 | 43441 | SH |  | SOLE | 0 | 0 | 0 | 43441 |
| HCA HEALTHCARE INC | COM | 40412C101 |  | 1266709 | 5279 | SH |  | SOLE | 0 | 0 | 0 | 5279 |
| HUNTINGTON BANCSHARES INC | COM | 446150104 |  | 283423 | 20101 | SH |  | SOLE | 0 | 0 | 0 | 20101 |
| ISHARES INC | JP MORGAN EM ETF | 464286517 |  | 6101219 | 175777 | SH |  | SOLE | 0 | 0 | 0 | 175777 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 204747 | 4384 | SH |  | SOLE | 0 | 0 | 0 | 4384 |
| ISHARES TR | GRWT ALLOCAT ETF | 464289867 |  | 284186 | 6026 | SH |  | SOLE | 0 | 0 | 0 | 6026 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 275415 | 2910 | SH |  | SOLE | 0 | 0 | 0 | 2910 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 635547 | 6023 | SH |  | SOLE | 0 | 0 | 0 | 6023 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 628222 | 6025 | SH |  | SOLE | 0 | 0 | 0 | 6025 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 256371 | 2409 | SH |  | SOLE | 0 | 0 | 0 | 2409 |
| ISHARES TR | AGGRES ALLOC ETF | 464289859 |  | 431813 | 7227 | SH |  | SOLE | 0 | 0 | 0 | 7227 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 1049818 | 10824 | SH |  | SOLE | 0 | 0 | 0 | 10824 |
| ISHARES TR | CORE S ETF | 464287200 |  | 652691 | 1699 | SH |  | SOLE | 0 | 0 | 0 | 1699 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 3273573 | 13533 | SH |  | SOLE | 0 | 0 | 0 | 13533 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 5805774 | 141985 | SH |  | SOLE | 0 | 0 | 0 | 141985 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 252475 | 5081 | SH |  | SOLE | 0 | 0 | 0 | 5081 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT INC | 46641Q837 |  | 355622 | 7094 | SH |  | SOLE | 0 | 0 | 0 | 7094 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 1356984 | 10119 | SH |  | SOLE | 0 | 0 | 0 | 10119 |
| KLA CORP | COM NEW | 482480100 |  | 1225597 | 3251 | SH |  | SOLE | 0 | 0 | 0 | 3251 |
| LITMAN GREGORY FDS TR | IMGP DBI MANAGED | 53700T827 |  | 299984 | 10305 | SH |  | SOLE | 0 | 0 | 0 | 10305 |
| LOWES COS INC | COM | 548661107 |  | 1203633 | 6041 | SH |  | SOLE | 0 | 0 | 0 | 6041 |
| MCDONALDS CORP | COM | 580135101 |  | 508349 | 1929 | SH |  | SOLE | 0 | 0 | 0 | 1929 |
| MERCK  CO INC | COM | 58933Y105 |  | 499053 | 4498 | SH |  | SOLE | 0 | 0 | 0 | 4498 |
| METLIFE INC | COM | 59156R108 |  | 942930 | 13029 | SH |  | SOLE | 0 | 0 | 0 | 13029 |
| MICROSOFT CORP | COM | 594918104 |  | 1297986 | 5412 | SH |  | SOLE | 0 | 0 | 0 | 5412 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 441056 | 5276 | SH |  | SOLE | 0 | 0 | 0 | 5276 |
| NIKE INC | CL B | 654106103 |  | 433492 | 3705 | SH |  | SOLE | 0 | 0 | 0 | 3705 |
| PEPSICO INC | COM | 713448108 |  | 1246785 | 6901 | SH |  | SOLE | 0 | 0 | 0 | 6901 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 1569432 | 15909 | SH |  | SOLE | 0 | 0 | 0 | 15909 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1683965 | 11111 | SH |  | SOLE | 0 | 0 | 0 | 11111 |
| PROGRESSIVE CORP | COM | 743315103 |  | 1304645 | 10058 | SH |  | SOLE | 0 | 0 | 0 | 10058 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 8520873 | 164527 | SH |  | SOLE | 0 | 0 | 0 | 164527 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US LG | 808524771 |  | 13204551 | 247091 | SH |  | SOLE | 0 | 0 | 0 | 247091 |
| SCHWAB STRATEGIC TR | 1 5YR CORP BD | 808524714 |  | 430169 | 9174 | SH |  | SOLE | 0 | 0 | 0 | 9174 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 1607389 | 24347 | SH |  | SOLE | 0 | 0 | 0 | 24347 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 15363017 | 466111 | SH |  | SOLE | 0 | 0 | 0 | 466111 |
| SPDR INDEX SHS FDS | S EMKTSC ETF | 78463X756 |  | 1578753 | 32259 | SH |  | SOLE | 0 | 0 | 0 | 32259 |
| SPDR INDEX SHS FDS | MSCI EAFE STRTGC | 78463X434 |  | 3336000 | 52044 | SH |  | SOLE | 0 | 0 | 0 | 52044 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 24439020 | 823140 | SH |  | SOLE | 0 | 0 | 0 | 823140 |
| SPDR INDEX SHS FDS | S INTL SMLCP | 78463X871 |  | 1386475 | 47143 | SH |  | SOLE | 0 | 0 | 0 | 47143 |
| SPDR SER TR | S 600 SMCP VAL | 78464A300 |  | 9057885 | 122041 | SH |  | SOLE | 0 | 0 | 0 | 122041 |
| SPDR SER TR | S 600 SMCP GRW | 78464A201 |  | 4140025 | 57309 | SH |  | SOLE | 0 | 0 | 0 | 57309 |
| SPDR SER TR | NUVEEN BLMBRG SH | 78468R739 |  | 561928 | 11961 | SH |  | SOLE | 0 | 0 | 0 | 11961 |
| SPDR SER TR | PORTFLI TIPS ETF | 78464A656 |  | 790008 | 30668 | SH |  | SOLE | 0 | 0 | 0 | 30668 |
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 |  | 13094554 | 521073 | SH |  | SOLE | 0 | 0 | 0 | 521073 |
| SPDR SER TR | BLOOMBERG SHT TE | 78468R408 |  | 344766 | 14223 | SH |  | SOLE | 0 | 0 | 0 | 14223 |
| SPDR SER TR | BLOOMBERG EMERGI | 78464A391 |  | 420149 | 20435 | SH |  | SOLE | 0 | 0 | 0 | 20435 |
| SPDR SER TR | NUVEEN BLOOMBERG | 78464A284 |  | 212971 | 4349 | SH |  | SOLE | 0 | 0 | 0 | 4349 |
| SPDR SER TR | PORTFOLIO S | 78464A847 |  | 14017451 | 329822 | SH |  | SOLE | 0 | 0 | 0 | 329822 |
| SPDR SER TR | PORTFOLI S | 78464A805 |  | 36861800 | 779484 | SH |  | SOLE | 0 | 0 | 0 | 779484 |
| SSGA ACTIVE ETF TR | SPDR TR TACTIC | 78467V848 |  | 301301 | 7525 | SH |  | SOLE | 0 | 0 | 0 | 7525 |
| T ROWE PRICE ETF INC | PRICE DIV GRWT | 87283Q404 |  | 211128 | 6726 | SH |  | SOLE | 0 | 0 | 0 | 6726 |
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 |  | 597572 | 11821 | SH |  | SOLE | 0 | 0 | 0 | 11821 |
| VANGUARD ADMIRAL FDS INC | SMLCP 600 VAL | 921932778 |  | 1025379 | 6529 | SH |  | SOLE | 0 | 0 | 0 | 6529 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 642272 | 8940 | SH |  | SOLE | 0 | 0 | 0 | 8940 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 1964095 | 10273 | SH |  | SOLE | 0 | 0 | 0 | 10273 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 3596844 | 92274 | SH |  | SOLE | 0 | 0 | 0 | 92274 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 1282163 | 25908 | SH |  | SOLE | 0 | 0 | 0 | 25908 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 6903449 | 91813 | SH |  | SOLE | 0 | 0 | 0 | 91813 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 4763007 | 113486 | SH |  | SOLE | 0 | 0 | 0 | 113486 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 1802996 | 45761 | SH |  | SOLE | 0 | 0 | 0 | 45761 |
| WALMART INC | COM | 931142103 |  | 247707 | 1747 | SH |  | SOLE | 0 | 0 | 0 | 1747 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 297956 | 1899 | SH |  | SOLE | 0 | 0 | 0 | 1899 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 7802094 | 215587 | SH |  | SOLE | 0 | 0 | 0 | 215587 |

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