The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
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
Estimated average burden
hours per response: 23.8
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 12,753 39,454 SH   SOLE   0 0 39,454
AMAZON COM INC COM 023135106 484 262 SH   SOLE   0 0 262
ALTRIA GROUP INC COM 02209S103 216 4,336 SH   SOLE   0 0 4,336
AT&T INC COM 00206R102 585 14,962 SH   SOLE   0 0 14,962
PPG INDS INC COM 693506107 1,891 14,164 SH   SOLE   0 0 14,164
VERIZON COMMUNICATIONS INC COM 92343V104 356 5,806 SH   SOLE   0 0 5,806
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 5,967 90,806 SH   SOLE   0 0 90,806
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 6,088 94,357 SH   SOLE   0 0 94,357
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 6,594 157,349 SH   SOLE   0 0 157,349
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 17,369 435,756 SH   SOLE   0 0 435,756
PROCTER & GAMBLE CO COM 742718109 224 1,796 SH   SOLE   0 0 1,796
MCDONALDS CORP COM 580135101 437 2,211 SH   SOLE   0 0 2,211
MARSH & MCLENNAN COS INC COM 571748102 332 2,978 SH   SOLE   0 0 2,978
VANGUARD INDEX FDS TOTAL STK MKT 922908769 500 3,053 SH   SOLE   0 0 3,053
APPLE INC COM 037833100 785 2,673 SH   SOLE   0 0 2,673
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 7,651 219,173 SH   SOLE   0 0 219,173
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 739 16,618 SH   SOLE   0 0 16,618
VANGUARD INDEX FDS VALUE ETF 922908744 1,362 11,367 SH   SOLE   0 0 11,367
VANGUARD INDEX FDS MID CAP ETF 922908629 3,905 21,918 SH   SOLE   0 0 21,918
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,622 11,830 SH   SOLE   0 0 11,830
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,226 25,511 SH   SOLE   0 0 25,511
VANGUARD INDEX FDS GROWTH ETF 922908736 805 4,419 SH   SOLE   0 0 4,419
WESTELL TECHNOLOGIES INC CL A NEW 957541204 9 10,000 SH   SOLE   0 0 10,000
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,918 9,652 SH   SOLE   0 0 9,652
ISHARES TR EAFE VALUE ETF 464288877 8,346 167,146 SH   SOLE   0 0 167,146
ISHARES TR EAFE GRWTH ETF 464288885 8,038 92,957 SH   SOLE   0 0 92,957
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 6,636 121,138 SH   SOLE   0 0 121,138
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,811 12,247 SH   SOLE   0 0 12,247
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,425 8,975 SH   SOLE   0 0 8,975
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 835 7,006 SH   SOLE   0 0 7,006
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 6,761 118,424 SH   SOLE   0 0 118,424
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 561 10,434 SH   SOLE   0 0 10,434
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 837 9,601 SH   SOLE   0 0 9,601
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 18,675 515,462 SH   SOLE   0 0 515,462
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 4,772 126,959 SH   SOLE   0 0 126,959
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,929 111,872 SH   SOLE   0 0 111,872
FIRST MERCHANTS CORP COM 320817109 567 13,622 SH   SOLE   0 0 13,622
PHILIP MORRIS INTL INC COM 718172109 348 4,084 SH   SOLE   0 0 4,084
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 26,929 858,985 SH   SOLE   0 0 858,985
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 9,014 306,802 SH   SOLE   0 0 306,802
XPEL INC COM 98379L100 621 42,400 SH   SOLE   0 0 42,400
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,977 24,416 SH   SOLE   0 0 24,416
ISHARES TR SHRT NAT MUN ETF 464288158 1,823 17,073 SH   SOLE   0 0 17,073
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,367 4,620 SH   SOLE   0 0 4,620
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 16,412 502,965 SH   SOLE   0 0 502,965