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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
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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 12,016 39,394 SH   SOLE   0 0 39,394
AMAZON COM INC COM 000000000 466 262 SH   SOLE   0 0 262
AT&T INC COM 00206R102 606 15,756 SH   SOLE   0 0 15,756
PPG INDS INC COM 693506107 1,752 14,164 SH   SOLE   0 0 14,164
VERIZON COMMUNICATIONS INC COM 92343V104 349 5,806 SH   SOLE   0 0 5,806
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 5,621 88,764 SH   SOLE   0 0 88,764
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 5,590 90,995 SH   SOLE   0 0 90,995
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 6,118 155,004 SH   SOLE   0 0 155,004
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 16,275 433,204 SH   SOLE   0 0 433,204
JPMORGAN CHASE & CO COM 46625H100 344 2,722 SH   SOLE   0 0 2,722
MARSH & MCLENNAN COS INC COM 571748102 290 2,965 SH   SOLE   0 0 2,965
VANGUARD INDEX FDS TOTAL STK MKT 922908769 511 3,313 SH   SOLE   0 0 3,313
APPLE INC COM 000000000 588 2,361 SH   SOLE   0 0 2,361
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 7,123 216,363 SH   SOLE   0 0 216,363
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 723 17,118 SH   SOLE   0 0 17,118
ABERCROMBIE & FITCH CO CL A 000000000 175 10,115 SH   SOLE   0 0 10,115
VANGUARD INDEX FDS VALUE ETF 922908744 1,302 11,459 SH   SOLE   0 0 11,459
VANGUARD INDEX FDS MID CAP ETF 922908629 3,865 22,728 SH   SOLE   0 0 22,728
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,592 12,075 SH   SOLE   0 0 12,075
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,175 26,511 SH   SOLE   0 0 26,511
VANGUARD INDEX FDS GROWTH ETF 922908736 754 4,419 SH   SOLE   0 0 4,419
WESTELL TECHNOLOGIES INC CL A NEW 957541204 13 10,000 SH   SOLE   0 0 10,000
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,816 9,762 SH   SOLE   0 0 9,762
ISHARES TR EAFE VALUE ETF 464288877 8,082 164,040 SH   SOLE   0 0 164,040
ISHARES TR EAFE GRWTH ETF 464288885 7,663 92,834 SH   SOLE   0 0 92,834
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 6,320 120,572 SH   SOLE   0 0 120,572
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,712 12,281 SH   SOLE   0 0 12,281
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,361 8,995 SH   SOLE   0 0 8,995
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 801 7,031 SH   SOLE   0 0 7,031
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 6,485 118,864 SH   SOLE   0 0 118,864
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 539 10,434 SH   SOLE   0 0 10,434
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 793 9,072 SH   SOLE   0 0 9,072
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 17,425 502,605 SH   SOLE   0 0 502,605
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 4,474 124,394 SH   SOLE   0 0 124,394
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,912 115,903 SH   SOLE   0 0 115,903
FIRST MERCHANTS CORP COM 320817109 540 13,622 SH   SOLE   0 0 13,622
PHILIP MORRIS INTL INC COM 718172109 345 4,204 SH   SOLE   0 0 4,204
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 25,752 850,177 SH   SOLE   0 0 850,177
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 9,009 306,312 SH   SOLE   0 0 306,312
XPEL INC COM 98379L100 489 45,400 SH   SOLE   0 0 45,400
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,769 22,985 SH   SOLE   0 0 22,985
ISHARES TR SHRT NAT MUN ETF 464288158 1,811 16,998 SH   SOLE   0 0 16,998
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,133 4,067 SH   SOLE   0 0 4,067
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 15,336 495,999 SH   SOLE   0 0 495,999