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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 26,180 84,536 SH   SOLE   0 0 84,536
AMAZON COM INC COM 023135106 657 238 SH   SOLE   0 0 238
MICROSOFT CORP COM 594918104 240 1,180 SH   SOLE   0 0 1,180
UNITED PARCEL SERVICE INC CL B 911312106 465 4,181 SH   SOLE   0 0 4,181
AT&T INC COM 00206R102 435 14,404 SH   SOLE   0 0 14,404
PPG INDS INC COM 693506107 1,502 14,164 SH   SOLE   0 0 14,164
VERIZON COMMUNICATIONS INC COM 92343V104 334 6,060 SH   SOLE   0 0 6,060
SPDR SER TR S&P 600 SMCP VAL 78464A300 4,456 90,710 SH   SOLE   0 0 90,710
SPDR SER TR S&P 600 SMCP GRW 78464A201 4,227 74,444 SH   SOLE   0 0 74,444
SPDR SER TR PRTFLO S&P500 GW 78464A409 5,401 120,242 SH   SOLE   0 0 120,242
SPDR SER TR PORTFOLI S&P1500 78464A805 3,097 81,979 SH   SOLE   0 0 81,979
MARSH & MCLENNAN COS INC COM 571748102 322 3,002 SH   SOLE   0 0 3,002
APPLE INC COM 037833100 945 2,590 SH   SOLE   0 0 2,590
SPDR SER TR PRTFLO S&P500 VL 78464A508 5,366 185,158 SH   SOLE   0 0 185,158
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,295 32,702 SH   SOLE   0 0 32,702
VANGUARD INDEX FDS VALUE ETF 922908744 670 6,728 SH   SOLE   0 0 6,728
VANGUARD INDEX FDS MID CAP ETF 922908629 5,105 31,142 SH   SOLE   0 0 31,142
VANGUARD INDEX FDS SM CP VAL ETF 922908611 753 7,038 SH   SOLE   0 0 7,038
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,759 32,655 SH   SOLE   0 0 32,655
VANGUARD INDEX FDS GROWTH ETF 922908736 664 3,285 SH   SOLE   0 0 3,285
WESTELL TECHNOLOGIES INC CL A NEW 957541204 8 10,000 SH   SOLE   0 0 10,000
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,385 6,939 SH   SOLE   0 0 6,939
ISHARES TR EAFE VALUE ETF 464288877 6,047 151,290 SH   SOLE   0 0 151,290
ISHARES TR EAFE GRWTH ETF 464288885 5,554 66,826 SH   SOLE   0 0 66,826
SPDR SER TR S&P 400 MDCP VAL 78464A839 4,604 107,994 SH   SOLE   0 0 107,994
VANGUARD INDEX FDS LARGE CAP ETF 922908637 297 2,079 SH   SOLE   0 0 2,079
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,440 8,725 SH   SOLE   0 0 8,725
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 572 5,979 SH   SOLE   0 0 5,979
SPDR SER TR S&P 400 MDCP GRW 78464A821 4,463 82,976 SH   SOLE   0 0 82,976
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 271 5,684 SH   SOLE   0 0 5,684
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,296 63,710 SH   SOLE   0 0 63,710
VANGUARD BD INDEX FDS INTERMED TERM 921937819 4,241 45,504 SH   SOLE   0 0 45,504
SPDR SER TR PORTFOLIO S&P400 78464A847 19,888 636,420 SH   SOLE   0 0 636,420
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 6,376 190,549 SH   SOLE   0 0 190,549
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 6,668 171,909 SH   SOLE   0 0 171,909
ISHARES TR NATIONAL MUN ETF 464288414 3,586 31,073 SH   SOLE   0 0 31,073
FIRST MERCHANTS CORP COM 320817109 376 13,622 SH   SOLE   0 0 13,622
PHILIP MORRIS INTL INC COM 718172109 249 3,549 SH   SOLE   0 0 3,549
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 25,258 914,494 SH   SOLE   0 0 914,494
SPDR SER TR PORTFOLIO AGRGTE 78464A649 24,575 796,340 SH   SOLE   0 0 796,340
XPEL INC COM 98379L100 649 41,500 SH   SOLE   0 0 41,500
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 469 6,272 SH   SOLE   0 0 6,272
ISHARES TR SHRT NAT MUN ETF 464288158 646 5,987 SH   SOLE   0 0 5,987
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 23,102 371,421 SH   SOLE   0 0 371,421
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,678 20,033 SH   SOLE   0 0 20,033
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 18,029 312,306 SH   SOLE   0 0 312,306
SPDR SER TR PORTFOLIO S&P600 78468R853 20,044 754,377 SH   SOLE   0 0 754,377