# EDGAR Filing Document

**Accession Number:** 0001625246
**File Stem:** 0001172661-23-000247
**Filing Date:** 2023-1
**Character Count:** 15711
**Document Hash:** 1443116e22033be24abf60017d61b24d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-23-000247.hdr.sgml**: 20230120

**ACCESSION NUMBER**: 0001172661-23-000247

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230120

**DATE AS OF CHANGE**: 20230120

**EFFECTIVENESS DATE**: 20230120

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Summit Financial Strategies, Inc.
- **CENTRAL INDEX KEY:** 0001625246
- **IRS NUMBER:** 311412791
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-16537
- **FILM NUMBER:** 23541780

**BUSINESS ADDRESS:**
- **STREET 1:** 4111 WORTH AVE. #510
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43219-3599
- **BUSINESS PHONE:** 614-885-1115

**MAIL ADDRESS:**
- **STREET 1:** 4111 WORTH AVE. #510
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43219-3599

### 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:** Summit Financial Strategies Inc.<br>**Address:** 4111 Worth Ave. #510<br>Columbus, OH 43219-3599

**Form 13F File Number:** 028-16537

**CRD Number (if applicable):** 000110112

**SEC File Number (if applicable):** 801-50616

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:** Timothy W. Swain<br>**Title:** Chief Compliance Officer<br>**Phone:** 614-885-1115

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

/s/  Timothy W. Swain  Columbus, OH  01-20-2023<br>[Signature]  [City, State]  [Date]

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

[x] **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).)

[ ] **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:** 122

**Form 13F Information Table Value Total:** $464443686

      (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.]

**NONE**

### 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 |
| 3M CO | COM | 88579Y101 |  | 210564 | 1756 | SH |  | SOLE |  | 0 | 0 | 1756 |
| ABBOTT LABS | COM | 002824100 |  | 1231683 | 11219 | SH |  | SOLE |  | 0 | 0 | 11219 |
| ABBVIE INC | COM | 00287Y109 |  | 1072232 | 6635 | SH |  | SOLE |  | 0 | 0 | 6635 |
| AGILON HEALTH INC | COM | 00857U107 |  | 537252 | 33287 | SH |  | SOLE |  | 0 | 0 | 33287 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 605875 | 6867 | SH |  | SOLE |  | 0 | 0 | 6867 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 218276 | 2460 | SH |  | SOLE |  | 0 | 0 | 2460 |
| AMAZON COM INC | COM | 023135106 |  | 701778 | 8355 | SH |  | SOLE |  | 0 | 0 | 8355 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 239896 | 2527 | SH |  | SOLE |  | 0 | 0 | 2527 |
| AMGEN INC | COM | 031162100 |  | 367696 | 1400 | SH |  | SOLE |  | 0 | 0 | 1400 |
| APPLE INC | COM | 037833100 |  | 8383474 | 64523 | SH |  | SOLE |  | 0 | 0 | 64523 |
| APPLIED MATLS INC | COM | 038222105 |  | 531597 | 5459 | SH |  | SOLE |  | 0 | 0 | 5459 |
| BANK AMERICA CORP | COM | 060505104 |  | 346782 | 10470 | SH |  | SOLE |  | 0 | 0 | 10470 |
| BANK NEW YORK MELLON CORP | COM | 064058100 |  | 384644 | 8450 | SH |  | SOLE |  | 0 | 0 | 8450 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 11304815 | 36597 | SH |  | SOLE |  | 0 | 0 | 36597 |
| CALAMOS CONV  HIGH INCOME F | COM SHS | 12811P108 |  | 173959 | 16489 | SH |  | SOLE |  | 0 | 0 | 16489 |
| CATERPILLAR INC | COM | 149123101 |  | 521530 | 2177 | SH |  | SOLE |  | 0 | 0 | 2177 |
| CHEVRON CORP NEW | COM | 166764100 |  | 486238 | 2709 | SH |  | SOLE |  | 0 | 0 | 2709 |
| CINCINNATI FINL CORP | COM | 172062101 |  | 414884 | 4052 | SH |  | SOLE |  | 0 | 0 | 4052 |
| CISCO SYS INC | COM | 17275R102 |  | 215619 | 4526 | SH |  | SOLE |  | 0 | 0 | 4526 |
| CIVISTA BANCSHARES INC | COM NO PAR | 178867107 |  | 2154405 | 97883 | SH |  | SOLE |  | 0 | 0 | 97883 |
| DEERE  CO | COM | 244199105 |  | 502629 | 1172 | SH |  | SOLE |  | 0 | 0 | 1172 |
| DIEBOLD NIXDORF INC | COM STK | 253651103 |  | 28512 | 20079 | SH |  | SOLE |  | 0 | 0 | 20079 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 3325401 | 99325 | SH |  | SOLE |  | 0 | 0 | 99325 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 200553 | 8260 | SH |  | SOLE |  | 0 | 0 | 8260 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 470441 | 10704 | SH |  | SOLE |  | 0 | 0 | 10704 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 72403324 | 3239522 | SH |  | SOLE |  | 0 | 0 | 3239522 |
| DIREXION SHS ETF TR | DRX S | 25459W862 |  | 313842 | 5053 | SH |  | SOLE |  | 0 | 0 | 5053 |
| DISNEY WALT CO | COM | 254687106 |  | 554251 | 6380 | SH |  | SOLE |  | 0 | 0 | 6380 |
| EATON CORP PLC | SHS | G29183103 |  | 287375 | 1831 | SH |  | SOLE |  | 0 | 0 | 1831 |
| ECOLAB INC | COM | 278865100 |  | 525763 | 3612 | SH |  | SOLE |  | 0 | 0 | 3612 |
| ENERGY TRANSFER L P | COM UT LTD PTN | 29273V100 |  | 997163 | 84007 | SH |  | SOLE |  | 0 | 0 | 84007 |
| EVERCOMMERCE INC | COM | 29977X105 |  | 90961 | 12226 | SH |  | SOLE |  | 0 | 0 | 12226 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1512408 | 13712 | SH |  | SOLE |  | 0 | 0 | 13712 |
| GOLDMAN SACHS ETF TR | ACTIVEBETA US LG | 381430503 |  | 272469 | 3579 | SH |  | SOLE |  | 0 | 0 | 3579 |
| GREIF INC | CL A | 397624107 |  | 328125 | 4893 | SH |  | SOLE |  | 0 | 0 | 4893 |
| HOME DEPOT INC | COM | 437076102 |  | 337109 | 1067 | SH |  | SOLE |  | 0 | 0 | 1067 |
| HUNTINGTON BANCSHARES INC | COM | 446150104 |  | 409323 | 29030 | SH |  | SOLE |  | 0 | 0 | 29030 |
| INSTALLED BLDG PRODS INC | COM | 45780R101 |  | 327934 | 3831 | SH |  | SOLE |  | 0 | 0 | 3831 |
| INTEL CORP | COM | 458140100 |  | 225922 | 8548 | SH |  | SOLE |  | 0 | 0 | 8548 |
| INVESCO EXCH TRADED FD TR II | FTSE RAFI SML | 46138E735 |  | 247890 | 8369 | SH |  | SOLE |  | 0 | 0 | 8369 |
| INVESCO EXCHANGE TRADED FD T | FTSE RAFI 1000 | 46137V613 |  | 286702 | 1848 | SH |  | SOLE |  | 0 | 0 | 1848 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 385717 | 1449 | SH |  | SOLE |  | 0 | 0 | 1449 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 4525829 | 68949 | SH |  | SOLE |  | 0 | 0 | 68949 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 3124474 | 68101 | SH |  | SOLE |  | 0 | 0 | 68101 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 29889590 | 123567 | SH |  | SOLE |  | 0 | 0 | 123567 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 19540119 | 206468 | SH |  | SOLE |  | 0 | 0 | 206468 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1116967 | 5214 | SH |  | SOLE |  | 0 | 0 | 5214 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 1958343 | 29034 | SH |  | SOLE |  | 0 | 0 | 29034 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 554328 | 4596 | SH |  | SOLE |  | 0 | 0 | 4596 |
| ISHARES TR | CORE S ETF | 464287200 |  | 56885020 | 148057 | SH |  | SOLE |  | 0 | 0 | 148057 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 1489051 | 9819 | SH |  | SOLE |  | 0 | 0 | 9819 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 464985 | 12269 | SH |  | SOLE |  | 0 | 0 | 12269 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 358137 | 6122 | SH |  | SOLE |  | 0 | 0 | 6122 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 384600 | 7692 | SH |  | SOLE |  | 0 | 0 | 7692 |
| ISHARES TR | U.S. REAL ES ETF | 464287739 |  | 218220 | 2592 | SH |  | SOLE |  | 0 | 0 | 2592 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 944682 | 5418 | SH |  | SOLE |  | 0 | 0 | 5418 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 772994 | 7970 | SH |  | SOLE |  | 0 | 0 | 7970 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 250347 | 2352 | SH |  | SOLE |  | 0 | 0 | 2352 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 205657 | 1903 | SH |  | SOLE |  | 0 | 0 | 1903 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 341833 | 1549 | SH |  | SOLE |  | 0 | 0 | 1549 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 310538 | 6825 | SH |  | SOLE |  | 0 | 0 | 6825 |
| ISHARES TR | US HLTHCARE ETF | 464287762 |  | 216754 | 764 | SH |  | SOLE |  | 0 | 0 | 764 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 3355899 | 15941 | SH |  | SOLE |  | 0 | 0 | 15941 |
| IVEDA SOLUTIONS INC | COM NEW | 46583A204 |  | 5550 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 998706 | 5654 | SH |  | SOLE |  | 0 | 0 | 5654 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 1407501 | 10496 | SH |  | SOLE |  | 0 | 0 | 10496 |
| KROGER CO | COM | 501044101 |  | 449417 | 10081 | SH |  | SOLE |  | 0 | 0 | 10081 |
| LANCASTER COLONY CORP | COM | 513847103 |  | 887653 | 4499 | SH |  | SOLE |  | 0 | 0 | 4499 |
| LILLY ELI  CO | COM | 532457108 |  | 524065 | 1432 | SH |  | SOLE |  | 0 | 0 | 1432 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 304056 | 625 | SH |  | SOLE |  | 0 | 0 | 625 |
| MCDONALDS CORP | COM | 580135101 |  | 547657 | 2078 | SH |  | SOLE |  | 0 | 0 | 2078 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 267357 | 3440 | SH |  | SOLE |  | 0 | 0 | 3440 |
| MERCK  CO INC | COM | 58933Y105 |  | 776706 | 7001 | SH |  | SOLE |  | 0 | 0 | 7001 |
| METTLER TOLEDO INTERNATIONAL | COM | 592688105 |  | 686589 | 475 | SH |  | SOLE |  | 0 | 0 | 475 |
| MICROSOFT CORP | COM | 594918104 |  | 5673797 | 23659 | SH |  | SOLE |  | 0 | 0 | 23659 |
| NIKE INC | CL B | 654106103 |  | 518131 | 4428 | SH |  | SOLE |  | 0 | 0 | 4428 |
| PACKAGING CORP AMER | COM | 695156109 |  | 29554501 | 231057 | SH |  | SOLE |  | 0 | 0 | 231057 |
| PARK NATL CORP | COM | 700658107 |  | 1273500 | 9048 | SH |  | SOLE |  | 0 | 0 | 9048 |
| PEPSICO INC | COM | 713448108 |  | 426116 | 2359 | SH |  | SOLE |  | 0 | 0 | 2359 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 2121098 | 13995 | SH |  | SOLE |  | 0 | 0 | 13995 |
| PROLOGIS INC. | COM | 74340W103 |  | 214187 | 1900 | SH |  | SOLE |  | 0 | 0 | 1900 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 243652 | 12631 | SH |  | SOLE |  | 0 | 0 | 12631 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 |  | 419401 | 13327 | SH |  | SOLE |  | 0 | 0 | 13327 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 17667322 | 436122 | SH |  | SOLE |  | 0 | 0 | 436122 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 5155557 | 160061 | SH |  | SOLE |  | 0 | 0 | 160061 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 2840526 | 62913 | SH |  | SOLE |  | 0 | 0 | 62913 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 61292264 | 1367826 | SH |  | SOLE |  | 0 | 0 | 1367826 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 628554 | 11313 | SH |  | SOLE |  | 0 | 0 | 11313 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 4475493 | 98039 | SH |  | SOLE |  | 0 | 0 | 98039 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 31492574 | 479997 | SH |  | SOLE |  | 0 | 0 | 479997 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 407266 | 17206 | SH |  | SOLE |  | 0 | 0 | 17206 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 1930917 | 8136 | SH |  | SOLE |  | 0 | 0 | 8136 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 1685204 | 9934 | SH |  | SOLE |  | 0 | 0 | 9934 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1952811 | 5106 | SH |  | SOLE |  | 0 | 0 | 5106 |
| STARBUCKS CORP | COM | 855244109 |  | 209523 | 2112 | SH |  | SOLE |  | 0 | 0 | 2112 |
| STARWOOD PPTY TR INC | COM | 85571B105 |  | 196461 | 10718 | SH |  | SOLE |  | 0 | 0 | 10718 |
| TESLA INC | COM | 88160R101 |  | 729842 | 5925 | SH |  | SOLE |  | 0 | 0 | 5925 |
| TEXAS INSTRS INC | COM | 882508104 |  | 973807 | 5894 | SH |  | SOLE |  | 0 | 0 | 5894 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 200451 | 364 | SH |  | SOLE |  | 0 | 0 | 364 |
| UNDER ARMOUR INC | CL C | 904311206 |  | 91608 | 10270 | SH |  | SOLE |  | 0 | 0 | 10270 |
| UNITED STS OIL FD LP | UNITS | 91232N207 |  | 205072 | 2925 | SH |  | SOLE |  | 0 | 0 | 2925 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 |  | 815069 | 4983 | SH |  | SOLE |  | 0 | 0 | 4983 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 323743 | 1868 | SH |  | SOLE |  | 0 | 0 | 1868 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 669089 | 8888 | SH |  | SOLE |  | 0 | 0 | 8888 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 564088 | 7852 | SH |  | SOLE |  | 0 | 0 | 7852 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 905776 | 4738 | SH |  | SOLE |  | 0 | 0 | 4738 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 26413468 | 131712 | SH |  | SOLE |  | 0 | 0 | 131712 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 200551 | 984 | SH |  | SOLE |  | 0 | 0 | 984 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 3020113 | 8596 | SH |  | SOLE |  | 0 | 0 | 8596 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 262585 | 1654 | SH |  | SOLE |  | 0 | 0 | 1654 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 596283 | 2798 | SH |  | SOLE |  | 0 | 0 | 2798 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 667319 | 4754 | SH |  | SOLE |  | 0 | 0 | 4754 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 626130 | 16063 | SH |  | SOLE |  | 0 | 0 | 16063 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 808407 | 16123 | SH |  | SOLE |  | 0 | 0 | 16123 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 316974 | 6786 | SH |  | SOLE |  | 0 | 0 | 6786 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 4317029 | 102860 | SH |  | SOLE |  | 0 | 0 | 102860 |
| VANGUARD WORLD FDS | HEALTH CAR ETF | 92204A504 |  | 492627 | 1986 | SH |  | SOLE |  | 0 | 0 | 1986 |
| VANGUARD WORLD FDS | UTILITIES ETF | 92204A876 |  | 253504 | 1653 | SH |  | SOLE |  | 0 | 0 | 1653 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 267454 | 6788 | SH |  | SOLE |  | 0 | 0 | 6788 |
| WALMART INC | COM | 931142103 |  | 1215603 | 8573 | SH |  | SOLE |  | 0 | 0 | 8573 |
| WIDEPOINT CORP | COMMON | 967590209 |  | 39791 | 21862 | SH |  | SOLE |  | 0 | 0 | 21862 |
| WORTHINGTON INDS INC | COM | 981811102 |  | 1187811 | 23895 | SH |  | SOLE |  | 0 | 0 | 23895 |

---