SYM FINANCIAL Corp

WINONA LAKE, IN · CIK 764739 · 13F filing filed 2023-01-19

SEC-registered investment adviser since 1985 · corporation

Assets managed$5.8bn
Staff84 · 49 in investment roles
Main clients (by assets)High net worth individuals 58%, Pension plans 20%, Charities 14%
Form ADV · 2026-03-31SEC adviser record

$420.6m reported value +103.7% vs Q3 2022

120positions

89.8%in top 10

27 new 31 added 36 reduced 11 sold out vs Q3 2022

Holdings, Q4 2022

The small lines show how much was held over the last 4 quarters (adjusted for stock splits).

#	Security	Ticker	Shares	Value	% of portfolio	Change	Shares change
1	DIMENSIONAL ETF TRUST INTL CORE EQT MK DFAI	DFAI	5,450,317	$136.5m32.45%	32.45%	New
2	WISDOMTREE TR INTERNATIONL EFI NTSI	NTSI	1,778,748	$56.4m13.42%	13.42%	New
3	VANGUARD INDEX FDS MCAP VL IDXVIP VOE	VOE	411,405	$55.6m13.23%	13.23%	New
4	DOW INC COM DOW	DOW	532,377	$26.8m6.38%	6.38%	Added +1.2k	+1,242 0.2%
5	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	132,759	$25.4m6.03%	6.03%	Added +2.3k	+2,323 1.8%
6	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	546,500	$24.5m5.82%	5.82%	Added +4.1k	+4,117 0.8%
7	ISHARES TR CORE US AGGBD ET AGG	AGG	251,288	$24.4m5.79%	5.79%	Added +1.9k	+1,945 0.8%
8	VANGUARD ADMIRAL FDS INC SMLCP 600 VAL VIOV	VIOV	91,531	$14.4m3.42%	3.42%	New
9	RPM INTL INC COM RPM	RPM	88,074	$8.6m2.04%	2.04%	Reduced -30.9k	-30,851 -25.9%
10	DUPONT DE NEMOURS INC COM DWDP	DWDP	77,006	$5.3m1.26%	1.26%	Reduced -114.9k	-114,927 -59.9%
11	ISHARES TR GLOBAL EQUITY GLOF	GLOF	114,555	$3.6m0.86%	0.86%	Reduced -13.2k	-13,166 -10.3%
12	VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF VT	VT	41,051	$3.5m0.84%	0.84%	Added +1.5k	+1,488 3.8%
13	ISHARES TR MSCI ACWI ETF ACWI	ACWI	26,860	$2.3m0.54%	0.54%	Reduced -11.6k	-11,645 -30.2%
14	ELI LILLY & CO COM LLY	LLY	5,823	$2.1m0.51%	0.51%	Added +14	+14 0.2%
15	PIMCO CORPORATE & INCOME OPP COM PTY	PTY	176,980	$2.1m0.51%	0.51%	Reduced -2.8k	-2,787 -1.6%
16	ISHARES INC MSCI GBL MIN VOL ACWV	ACWV	20,274	$1.9m0.46%	0.46%	Added +1.5k	+1,521 8.1%
17	BLACKROCK CORE BD TR SHS BEN INT BHK	BHK	174,908	$1.8m0.43%	0.43%	Unchanged
18	SSGA ACTIVE ETF TR SPDR TR TACTIC TOTL	TOTL	38,672	$1.5m0.37%	0.37%	Reduced -13.4k	-13,450 -25.8%
19	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	29,729	$1.5m0.37%	0.37%	Unchanged
20	SPDR INDEX SHS FDS MSCI WRLD STRGIC QWLD	QWLD	15,541	$1.5m0.35%	0.35%	New
21	APPLE INC COM AAPL	AAPL	10,952	$1.4m0.34%	0.34%	Reduced -157	-157 -1.4%
22	SCHWAB STRATEGIC TR INT-TRM U.S TRES SCHR	SCHR	16,101	$792.7k0.19%	0.19%	Added +556	+556 3.6%
23	MICROSOFT CORP COM MSFT	MSFT	3,162	$758.3k0.18%	0.18%	Reduced -396	-396 -11.1%
24	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	1,928	$737.4k0.18%	0.18%	Reduced -84	-84 -4.2%
25	ISHARES TR IBOXX INV CP ETF LQD	LQD	6,789	$715.8k0.17%	0.17%	Reduced -10.8k	-10,849 -61.5%
26	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	8,836	$634.8k0.15%	0.15%	Added +2.2k	+2,171 32.6%
27	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	14,957	$627.7k0.15%	0.15%	New
28	PIMCO ETF TR ENHAN SHRT MA AC MINT	MINT	5,714	$563.7k0.13%	0.13%	Added +303	+303 5.6%
29	PIMCO ETF TR ENHNCD LW DUR AC LDUR	LDUR	5,671	$534.5k0.13%	0.13%	Reduced -1.6k	-1,555 -21.5%
30	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	3,467	$526.5k0.13%	0.13%	Reduced -2.5k	-2,492 -41.8%
31	SELECT SECTOR SPDR TR ENERGY XLE	XLE	5,911	$517.1k0.12%	0.12%	Added +15	+15 0.2%
32	J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF JPIB	JPIB	11,157	$513.0k0.12%	0.12%	Added +288	+288 2.6%
33	ISHARES TR CORE S&P US VLU IUSV	IUSV	7,239	$511.3k0.12%	0.12%	Reduced -359	-359 -4.7%
34	ISHARES TR ESG AWR MSCI USA ESGU	ESGU	5,528	$468.5k0.11%	0.11%	New
35	JOHNSON & JOHNSON COM JNJ	JNJ	2,618	$462.4k0.11%	0.11%	Unchanged
36	ISHARES INC CORE MSCI EMKT IEMG	IEMG	9,478	$442.6k0.11%	0.11%	Added +360	+360 4.0%
37	CHEVRON CORP NEW COM CVX	CVX	2,389	$428.9k0.10%	0.10%	Added +5	+5 0.2%
38	ISHARES TR SP SMCP600VL ETF IJS	IJS	4,576	$417.8k0.10%	0.10%	Reduced -6.3k	-6,260 -57.8%
39	J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT JPEM	JPEM	8,060	$397.3k0.09%	0.09%	Reduced -8.8k	-8,821 -52.2%
40	VANGUARD WORLD FD INF TECH ETF VGT	VGT	1,191	$380.4k0.09%	0.09%	Reduced -75	-75 -5.9%
41	ISHARES TR YLD OPTIM BD BYLD	BYLD	17,451	$378.3k0.09%	0.09%	Added +183	+183 1.1%
42	HUNTINGTON BANCSHARES INC COM HBAN	HBAN	26,715	$376.7k0.09%	0.09%	Unchanged
43	LAKELAND FINL CORP COM LKFN	LKFN	5,054	$368.8k0.09%	0.09%	Reduced -124	-124 -2.4%
44	EXXON MOBIL CORP COM XOM	XOM	3,319	$366.1k0.09%	0.09%	Added +4	+4 0.1%
45	ISHARES TR S&P 500 GRWT ETF IVW	IVW	5,598	$327.5k0.08%	0.08%	Added +3.5k	+3,465 162.4%
46	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	912	$320.4k0.08%	0.08%	Added +712	+712 356.0%
47	JPMORGAN CHASE & CO COM JPM	JPM	2,250	$301.8k0.07%	0.07%	Added +122	+122 5.7%
48	AON PLC SHS CL A AON	AON	1,000	$300.1k0.07%	0.07%	Unchanged
49	PEPSICO INC COM PEP	PEP	1,634	$295.2k0.07%	0.07%	Unchanged
50	ISHARES TR INTERNATIONAL SL ISCF	ISCF	9,187	$275.6k0.07%	0.07%	Reduced -12.0k	-12,036 -56.7%
51	SELECT SECTOR SPDR TR SBI HEALTHCARE XLV	XLV	2,013	$273.5k0.07%	0.07%	Unchanged
52	AUTOMATIC DATA PROCESSING IN COM ADP	ADP	1,109	$264.9k0.06%	0.06%	Reduced -119	-119 -9.7%
53	FIRST TR SPECIALTY FIN & FIN COM BEN INTR COM BEN INTR		84,537	$258.7k0.06%	0.06%	Unchanged
54	SPDR GOLD TR GOLD SHS GLD	GLD	1,509	$256.0k0.06%	0.06%	Reduced -30	-30 -1.9%
55	ABBVIE INC COM ABBV	ABBV	1,572	$254.1k0.06%	0.06%	Reduced -71	-71 -4.3%
56	SELECT SECTOR SPDR TR SBI CONS DISCR XLY	XLY	1,849	$238.8k0.06%	0.06%	Unchanged
57	VANGUARD WORLD FD INDUSTRIAL ETF VIS	VIS	1,241	$226.7k0.05%	0.05%	Unchanged
58	PFIZER INC COM PFE	PFE	4,364	$223.6k0.05%	0.05%	Reduced -299	-299 -6.4%
59	WALMART INC COM WMT	WMT	1,544	$218.9k0.05%	0.05%	Reduced -187	-187 -10.8%
60	ISHARES TR US SML CAP EQT SMLF	SMLF	4,364	$216.7k0.05%	0.05%	Reduced -154	-154 -3.4%
61	GE AEROSPACE COM NEW GE	GE	2,569	$215.3k0.05%	0.05%	New
62	ISHARES TR 20 YR TR BD ETF TLT	TLT	2,152	$214.3k0.05%	0.05%	Reduced -81	-81 -3.6%
63	ZIMMER BIOMET HOLDINGS INC COM ZBH	ZBH	1,639	$208.9k0.05%	0.05%	New
64	ISHARES TR MSCI USA QLT FCT QUAL	QUAL	1,494	$170.3k0.04%	0.04%	New
65	ISHARES TR MSCI INTL QUALTY IQLT	IQLT	4,826	$156.3k0.04%	0.04%	Unchanged
66	WISDOMTREE TR EMERGING MKT EXC XC	XC	6,088	$150.7k0.04%	0.04%	New
67	J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ JPIN	JPIN	2,786	$137.3k0.03%	0.03%	Reduced -36.1k	-36,139 -92.8%
68	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	1,807	$136.5k0.03%	0.03%	Reduced -53	-53 -2.9%
69	VANGUARD INDEX FDS MID CAP ETF VO	VO	656	$133.7k0.03%	0.03%	Added +586	+586 837.1%
70	SCHWAB STRATEGIC TR US LCAP GR ETF SCHG	SCHG	2,077	$115.4k0.03%	0.03%	Added +52	+52 2.6%
71	ISHARES TR CORE S&P TTL STK ITOT	ITOT	1,080	$91.6k0.02%	0.02%	Unchanged
72	ISHARES TR US CONSM STAPLES IYK	IYK	418	$84.8k0.02%	0.02%	Added +3	+3 0.7%
73	ISHARES TR RUS MDCP VAL ETF IWS	IWS	725	$76.4k0.02%	0.02%	Added +265	+265 57.6%
74	ISHARES TR CORE S&P SCP ETF IJR	IJR	676	$64.0k0.02%	0.02%	Added +195	+195 40.5%
75	ISHARES TR RUS 1000 GRW ETF IWF	IWF	296	$63.4k0.02%	0.02%	Reduced -169	-169 -36.3%
76	GABELLI EQUITY TR INC COM GAB	GAB	11,026	$60.4k0.01%	0.01%	Added +281	+281 2.6%
77	SELECT SECTOR SPDR TR FINANCIAL XLF	XLF	1,702	$58.2k0.01%	0.01%	Unchanged
78	VANGUARD WORLD FD FINANCIALS ETF VFH	VFH	703	$58.2k0.01%	0.01%	Unchanged
79	ISHARES TR RUS MD CP GR ETF IWP	IWP	673	$56.3k0.01%	0.01%	Added +3	+3 0.5%
80	VANGUARD INDEX FDS VALUE ETF VTV	VTV	400	$56.1k0.01%	0.01%	New
81	DIMENSIONAL ETF TRUST INTL CORE EQUITY DFIC	DFIC	2,490	$55.7k0.01%	0.01%	New
82	DIMENSIONAL ETF TRUST US EQUITY MARKET DFUS	DFUS	1,247	$51.9k0.01%	0.01%	New
83	SELECT SECTOR SPDR TR COMMUNICATION XLC	XLC	908	$43.6k0.01%	0.01%	Unchanged
84	VANGUARD INDEX FDS REAL ESTATE ETF VNQ	VNQ	522	$43.1k0.01%	0.01%	New
85	SELECT SECTOR SPDR TR INDL XLI	XLI	426	$41.8k0.01%	0.01%	Unchanged
86	VANGUARD WORLD FD CONSUM STP ETF VDC	VDC	214	$41.0k0.01%	0.01%	Unchanged
87	ISHARES TR RUSSELL 2000 ETF IWM	IWM	228	$39.8k0.01%	0.01%	Unchanged
88	VANGUARD INDEX FDS GROWTH ETF VUG	VUG	180	$38.4k0.01%	0.01%	New
89	ISHARES TR RUS 1000 ETF IWB	IWB	176	$37.0k0.01%	0.01%	Added +2	+2 1.1%
90	VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO	VWO	916	$35.7k0.01%	0.01%	Reduced -271	-271 -22.8%
91	ISHARES TR ISHARES BIOTECH IBB	IBB	237	$31.1k0.01%	0.01%	Added +110	+110 86.6%
92	DIMENSIONAL ETF TRUST US MKTWIDE VALUE DFUV	DFUV	894	$29.9k0.01%	0.01%	New
93	ISHARES TR RUS 2000 GRW ETF IWO	IWO	139	$29.8k0.01%	0.01%	Added +1	+1 0.7%
94	ISHARES TR CORE MSCI EAFE IEFA	IEFA	452	$27.9k0.01%	0.01%	New
95	ISHARES TR IBOXX HI YD ETF HYG	HYG	371	$27.3k0.01%	0.01%	Reduced -45	-45 -10.8%
96	SCHWAB STRATEGIC TR US TIPS ETF SCHP	SCHP	511	$26.5k0.01%	0.01%	New
97	WISDOMTREE TR US EFFICIENT COR NTSX	NTSX	791	$25.7k0.01%	0.01%	Reduced -1.5m	-1,495,087 -100.0%
98	VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF VSS	VSS	234	$24.1k0.01%	0.01%	Reduced -71	-71 -23.3%
99	ISHARES TR EAFE VALUE ETF EFV	EFV	475	$21.8k0.01%	0.01%	Reduced -65.2k	-65,241 -99.3%
100	VANGUARD WORLD FD HEALTH CAR ETF VHT	VHT	87	$21.5k0.01%	0.01%	Added +36	+36 70.6%

Sold out since Q3 2022

Security	Ticker	Shares held before	Value then
AMPLIFY ETF TR SWAN	SWAN	87,723	$2.2m87.7k shares
AMAZON COM INC AMZN	AMZN	2,648	$299.0k2.6k shares
LINCOLN NATL CORP IND LNC	LNC	6,170	$271.0k6.2k shares
VANGUARD BD INDEX FDS BIV	BIV	818	$60.0k818 shares
ISHARES TR IWD	IWD	153	$21.0k153 shares
SCHWAB STRATEGIC TR SCHV	SCHV	119	$7.0k119 shares
SCHWAB STRATEGIC TR SCHM	SCHM	28	$2.0k28 shares
SCHWAB STRATEGIC TR SCHA	SCHA	38	$1.0k38 shares
SCHWAB STRATEGIC TR SCHF	SCHF	29	$1.0k29 shares
SCHWAB STRATEGIC TR SCHE	SCHE	11	$011 shares
SCHWAB STRATEGIC TR SCHC	SCHC	9	$09 shares