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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 11,557 38,405 SH   SOLE   0 0 38,405
AMAZON COM INC COM 023135106 584 292 SH   SOLE   0 0 292
ALTRIA GROUP INC COM 02209S103 301 6,106 SH   SOLE   0 0 6,106
AT&T INC COM 00206R102 428 12,790 SH   SOLE   0 0 12,790
PPG INDS INC COM 693506107 1,643 14,164 SH   SOLE   0 0 14,164
VERIZON COMMUNICATIONS INC COM 92343V104 432 7,587 SH   SOLE   0 0 7,587
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 5,053 84,336 SH   SOLE   0 0 84,336
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 5,302 87,342 SH   SOLE   0 0 87,342
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 5,894 148,472 SH   SOLE   0 0 148,472
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 15,350 412,960 SH   SOLE   0 0 412,960
JPMORGAN CHASE & CO COM 46625H100 355 3,111 SH   SOLE   0 0 3,111
MARSH & MCLENNAN COS INC COM 571748102 301 2,952 SH   SOLE   0 0 2,952
VANGUARD INDEX FDS TOTAL STK MKT 922908769 656 4,293 SH   SOLE   0 0 4,293
APPLE INC COM 037833100 519 2,571 SH   SOLE   0 0 2,571
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 6,585 207,391 SH   SOLE   0 0 207,391
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 860 20,122 SH   SOLE   0 0 20,122
VANGUARD INDEX FDS VALUE ETF 922908744 1,310 11,639 SH   SOLE   0 0 11,639
VANGUARD INDEX FDS MID CAP ETF 922908629 4,198 24,736 SH   SOLE   0 0 24,736
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,578 12,145 SH   SOLE   0 0 12,145
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,453 28,324 SH   SOLE   0 0 28,324
VANGUARD INDEX FDS GROWTH ETF 922908736 885 5,264 SH   SOLE   0 0 5,264
WESTELL TECHNOLOGIES INC CL A NEW 957541204 18 10,000 SH   SOLE   0 0 10,000
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,841 9,759 SH   SOLE   0 0 9,759
ISHARES TR EAFE VALUE ETF 464288877 7,390 153,619 SH   SOLE   0 0 153,619
ISHARES TR EAFE GRWTH ETF 464288885 7,270 90,310 SH   SOLE   0 0 90,310
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 5,868 115,504 SH   SOLE   0 0 115,504
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,812 13,175 SH   SOLE   0 0 13,175
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,420 9,313 SH   SOLE   0 0 9,313
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 812 7,217 SH   SOLE   0 0 7,217
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 6,213 113,978 SH   SOLE   0 0 113,978
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 537 10,514 SH   SOLE   0 0 10,514
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 717 8,357 SH   SOLE   0 0 8,357
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 16,591 489,111 SH   SOLE   0 0 489,111
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 4,088 113,940 SH   SOLE   0 0 113,940
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,922 118,038 SH   SOLE   0 0 118,038
FIRST MERCHANTS CORP COM 320817109 512 13,622 SH   SOLE   0 0 13,622
PHILIP MORRIS INTL INC COM 718172109 344 4,239 SH   SOLE   0 0 4,239
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 23,501 795,304 SH   SOLE   0 0 795,304
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 8,365 288,639 SH   SOLE   0 0 288,639
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,953 25,680 SH   SOLE   0 0 25,680
ISHARES TR SHRT NAT MUN ETF 464288158 1,662 15,593 SH   SOLE   0 0 15,593
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,112 4,047 SH   SOLE   0 0 4,047
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 14,559 475,772 SH   SOLE   0 0 475,772