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The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 17,507 661,872 SH   SOLE   0 0 661,872
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 12,484 424,321 SH   SOLE   0 0 424,321
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 12,186 394,257 SH   SOLE   0 0 394,257
SPDR SER TR PORTFOLIO SM ETF 78468R853 10,566 400,827 SH   SOLE   0 0 400,827
ISHARES TR CORE S&P500 ETF 464287200 8,138 32,344 SH   SOLE   0 0 32,344
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 6,778 243,373 SH   SOLE   0 0 243,373
ISHARES TR EAFE VALUE ETF 464288877 5,888 130,210 SH   SOLE   0 0 130,210
ISHARES TR EAFE GRWTH ETF 464288885 5,466 79,140 SH   SOLE   0 0 79,140
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,298 142,812 SH   SOLE   0 0 142,812
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 5,093 187,528 SH   SOLE   0 0 187,528
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 4,809 108,400 SH   SOLE   0 0 108,400
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 4,753 103,672 SH   SOLE   0 0 103,672
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 4,452 136,970 SH   SOLE   0 0 136,970
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 4,328 80,243 SH   SOLE   0 0 80,243
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,129 31,283 SH   SOLE   0 0 31,283
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 3,964 73,648 SH   SOLE   0 0 73,648
VANGUARD INDEX FDS MID CAP ETF 922908629 3,816 27,615 SH   SOLE   0 0 27,615
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,273 101,141 SH   SOLE   0 0 101,141
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,824 27,868 SH   SOLE   0 0 27,868
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,749 15,333 SH   SOLE   0 0 15,333
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,690 11,223 SH   SOLE   0 0 11,223
VANGUARD INDEX FDS VALUE ETF 922908744 1,609 16,429 SH   SOLE   0 0 16,429
ISHARES TR SHRT NAT MUN ETF 464288158 1,603 15,210 SH   SOLE   0 0 15,210
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,570 13,668 SH   SOLE   0 0 13,668
PPG INDS INC COM 693506107 1,448 14,164 SH   SOLE   0 0 14,164
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,326 10,392 SH   SOLE   0 0 10,392
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,219 10,184 SH   SOLE   0 0 10,184
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 988 4,299 SH   SOLE   0 0 4,299
VANGUARD INDEX FDS GROWTH ETF 922908736 966 7,194 SH   SOLE   0 0 7,194
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 919 24,119 SH   SOLE   0 0 24,119
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 743 9,134 SH   SOLE   0 0 9,134
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 695 7,293 SH   SOLE   0 0 7,293
AMAZON COM INC COM 023135106 601 400 SH   SOLE   0 0 400
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 479 10,513 SH   SOLE   0 0 10,513
FIRST MERCHANTS CORP COM 320817109 467 13,622 SH   SOLE   0 0 13,622
VERIZON COMMUNICATIONS INC COM 92343V104 417 7,424 SH   SOLE   0 0 7,424
APPLE INC COM 037833100 374 2,371 SH   SOLE   0 0 2,371
AT&T INC COM 00206R102 310 10,852 SH   SOLE   0 0 10,852
ALTRIA GROUP INC COM 02209S103 277 5,606 SH   SOLE   0 0 5,606
PHILIP MORRIS INTL INC COM 718172109 247 3,694 SH   SOLE   0 0 3,694
MARSH & MCLENNAN COS INC COM 571748102 233 2,926 SH   SOLE   0 0 2,926
WESTELL TECHNOLOGIES INC CL A NEW 957541204 19 10,000 SH   SOLE   0 0 10,000