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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
ISHARES TR CORE S&P500 ETF 464287200 10,353 35,440 SH   SOLE   0 0 35,440
AMAZON COM INC COM 023135106 600 322 SH   SOLE   0 0 322
ALTRIA GROUP INC COM 02209S103 316 5,606 SH   SOLE   0 0 5,606
AT&T INC COM 00206R102 391 12,123 SH   SOLE   0 0 12,123
PPG INDS INC COM 693506107 1,677 14,164 SH   SOLE   0 0 14,164
VERIZON COMMUNICATIONS INC COM 92343V104 434 7,387 SH   SOLE   0 0 7,387
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 5,034 80,074 SH   SOLE   0 0 80,074
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 5,155 84,342 SH   SOLE   0 0 84,342
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 5,380 141,592 SH   SOLE   0 0 141,592
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 14,093 390,176 SH   SOLE   0 0 390,176
MARSH & MCLENNAN COS INC COM 571748102 281 2,939 SH   SOLE   0 0 2,939
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,167 7,852 SH   SOLE   0 0 7,852
APPLE INC COM 037833100 511 2,564 SH   SOLE   0 0 2,564
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 6,126 195,958 SH   SOLE   0 0 195,958
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,012 23,089 SH   SOLE   0 0 23,089
VANGUARD INDEX FDS VALUE ETF 922908744 1,475 13,400 SH   SOLE   0 0 13,400
VANGUARD INDEX FDS MID CAP ETF 922908629 4,262 25,753 SH   SOLE   0 0 25,753
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,698 12,755 SH   SOLE   0 0 12,755
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,615 29,301 SH   SOLE   0 0 29,301
VANGUARD INDEX FDS GROWTH ETF 922908736 1,069 6,629 SH   SOLE   0 0 6,629
WESTELL TECHNOLOGIES INC CL A NEW 957541204 22 10,000 SH   SOLE   0 0 10,000
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,926 10,440 SH   SOLE   0 0 10,440
ISHARES TR EAFE VALUE ETF 464288877 7,317 145,202 SH   SOLE   0 0 145,202
ISHARES TR EAFE GRWTH ETF 464288885 6,935 87,516 SH   SOLE   0 0 87,516
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 5,901 111,870 SH   SOLE   0 0 111,870
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,821 13,669 SH   SOLE   0 0 13,669
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,442 9,841 SH   SOLE   0 0 9,841
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 837 7,507 SH   SOLE   0 0 7,507
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 6,014 111,556 SH   SOLE   0 0 111,556
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 543 10,513 SH   SOLE   0 0 10,513
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 757 9,094 SH   SOLE   0 0 9,094
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 15,651 453,657 SH   SOLE   0 0 453,657
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 3,816 103,768 SH   SOLE   0 0 103,768
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,286 125,777 SH   SOLE   0 0 125,777
FIRST MERCHANTS CORP COM 320817109 532 13,622 SH   SOLE   0 0 13,622
PHILIP MORRIS INTL INC COM 718172109 322 3,739 SH   SOLE   0 0 3,739
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 22,283 743,017 SH   SOLE   0 0 743,017
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 7,514 265,319 SH   SOLE   0 0 265,319
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,037 27,062 SH   SOLE   0 0 27,062
ISHARES TR SHRT NAT MUN ETF 464288158 1,639 15,493 SH   SOLE   0 0 15,493
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,081 4,058 SH   SOLE   0 0 4,058
SPDR SER TR PORTFOLIO SM ETF 78468R853 13,577 435,295 SH   SOLE   0 0 435,295