SYM FINANCIAL Corp

WINONA LAKE, IN · CIK 764739 · 13F filing filed 2023-05-02

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

Kindwealth
Others nearbyWinona Lake, IN, Fort Wayne, IN, Midland, MI, Indianapolis, IN, Mishawaka, IN, Franklin, TN

As an employer

Offices in1 country

Where they work

people there (dot area)number not reportedmain officeHover or tap a dot. Australian and UK companies are placed at their business or registered address, with their staff across the whole country.

Offices

From Form ADV: the main office and the other offices where it does advisory work (at most the 25 largest), with the people doing investment work at each. “About” is worked out: the firm's investment staff less its other offices. Each city links to the other managers there.

City	Country	People
Winona Lake, IN (main office)United States	United States	about 10
Fort Wayne, INUnited States	United States	17
Midland, MIUnited States	United States	11
Indianapolis, INUnited States	United States	5
Mishawaka, INUnited States	United States	4
Franklin, TNUnited States	United States	2

Map: places from GeoNames (CC BY 4.0), outlines from Natural Earth.

$453.2m reported value +7.7% vs Q4 2022

105positions

89.6%in top 10

6 new 32 added 32 reduced 21 sold out vs Q4 2022

Holdings, Q1 2023

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	5,714,652	$154.0m33.98%	33.98%	Added +264.3k	+264,335 4.8%
2	WISDOMTREE TR INTERNATIONL EFI NTSI	NTSI	1,837,730	$63.1m13.92%	13.92%	Added +59.0k	+58,982 3.3%
3	VANGUARD INDEX FDS MCAP VL IDXVIP VOE	VOE	434,842	$58.3m12.86%	12.86%	Added +23.4k	+23,437 5.7%
4	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	143,350	$29.3m6.46%	6.46%	Added +10.6k	+10,591 8.0%
5	DOW INC COM DOW	DOW	532,177	$29.2m6.44%	6.44%	Reduced -200	-200 -0.0%
6	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	543,238	$26.0m5.74%	5.74%	Reduced -3.3k	-3,262 -0.6%
7	ISHARES TR CORE US AGGBD ET AGG	AGG	182,007	$18.1m4.00%	4.00%	Reduced -69.3k	-69,281 -27.6%
8	VANGUARD ADMIRAL FDS INC SMLCP 600 VAL VIOV	VIOV	181,203	$14.6m3.23%	3.23%	Reduced -1.9k	-1,859 -1.0%
9	RPM INTL INC COM RPM	RPM	88,074	$7.7m1.70%	1.70%	Unchanged
10	LAKELAND FINL CORP COM LKFN	LKFN	93,260	$5.8m1.29%	1.29%	Added +88.2k	+88,206 1745.3%
11	ISHARES TR GLOBAL EQUITY GLOF	GLOF	129,709	$4.4m0.96%	0.96%	Added +15.2k	+15,154 13.2%
12	VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF VT	VT	41,866	$3.9m0.85%	0.85%	Added +815	+815 2.0%
13	PIMCO CORPORATE & INCOME OPP COM PTY	PTY	306,591	$3.8m0.84%	0.84%	Added +129.6k	+129,611 73.2%
14	BLACKROCK CORE BD TR SHS BEN INT BHK	BHK	337,858	$3.7m0.81%	0.81%	Added +162.9k	+162,950 93.2%
15	DUPONT DE NEMOURS INC COM DWDP	DWDP	38,606	$2.8m0.61%	0.61%	Reduced -38.4k	-38,400 -49.9%
16	SPDR INDEX SHS FDS MSCI WRLD STRGIC QWLD	QWLD	22,383	$2.2m0.49%	0.49%	Added +6.8k	+6,842 44.0%
17	ELI LILLY & CO COM LLY	LLY	5,823	$2.0m0.44%	0.44%	Unchanged
18	ISHARES TR MSCI ACWI ETF ACWI	ACWI	21,318	$1.9m0.43%	0.43%	Reduced -5.5k	-5,542 -20.6%
19	ISHARES INC MSCI GBL MIN VOL ACWV	ACWV	19,473	$1.9m0.42%	0.42%	Reduced -801	-801 -4.0%
20	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	29,729	$1.6m0.36%	0.36%	Unchanged
21	APPLE INC COM AAPL	AAPL	9,886	$1.6m0.36%	0.36%	Reduced -1.1k	-1,066 -9.7%
22	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	2,134	$873.7k0.19%	0.19%	Added +206	+206 10.7%
23	SCHWAB STRATEGIC TR INT-TRM U.S TRES SCHR	SCHR	16,442	$829.2k0.18%	0.18%	Added +341	+341 2.1%
24	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	9,700	$716.2k0.16%	0.16%	Added +864	+864 9.8%
25	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	13,235	$597.8k0.13%	0.13%	Reduced -1.7k	-1,722 -11.5%
26	PIMCO ETF TR ENHAN SHRT MA AC MINT	MINT	5,967	$592.2k0.13%	0.13%	Added +253	+253 4.4%
27	SSGA ACTIVE ETF TR SPDR TR TACTIC TOTL	TOTL	14,174	$581.6k0.13%	0.13%	Reduced -24.5k	-24,498 -63.4%
28	ISHARES TR CORE S&P US VLU IUSV	IUSV	7,879	$581.3k0.13%	0.13%	Added +640	+640 8.8%
29	J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF JPIB	JPIB	11,159	$528.5k0.12%	0.12%	Added +2	+2 0.0%
30	ISHARES TR ESG AWR MSCI USA ESGU	ESGU	5,528	$500.0k0.11%	0.11%	Unchanged
31	SELECT SECTOR SPDR TR ENERGY XLE	XLE	5,928	$491.0k0.11%	0.11%	Added +17	+17 0.3%
32	VANGUARD WORLD FD INF TECH ETF VGT	VGT	1,191	$459.1k0.10%	0.10%	Unchanged
33	ISHARES TR YLD OPTIM BD BYLD	BYLD	19,192	$423.0k0.09%	0.09%	Added +1.7k	+1,741 10.0%
34	ISHARES INC CORE MSCI EMKT IEMG	IEMG	8,580	$418.6k0.09%	0.09%	Reduced -898	-898 -9.5%
35	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	2,679	$412.6k0.09%	0.09%	Reduced -788	-788 -22.7%
36	PIMCO ETF TR ENHNCD LW DUR AC LDUR	LDUR	4,291	$407.2k0.09%	0.09%	Reduced -1.4k	-1,380 -24.3%
37	EXXON MOBIL CORP COM XOM	XOM	3,631	$398.2k0.09%	0.09%	Added +312	+312 9.4%
38	CHEVRON CORP NEW COM CVX	CVX	2,396	$390.9k0.09%	0.09%	Added +7	+7 0.3%
39	MICROSOFT CORP COM MSFT	MSFT	1,338	$385.8k0.09%	0.09%	Reduced -1.8k	-1,824 -57.7%
40	ISHARES TR SP SMCP600VL ETF IJS	IJS	3,968	$371.4k0.08%	0.08%	Reduced -608	-608 -13.3%
41	ISHARES TR IBOXX INV CP ETF LQD	LQD	2,895	$317.3k0.07%	0.07%	Reduced -3.9k	-3,894 -57.4%
42	AON PLC SHS CL A AON	AON	1,000	$315.3k0.07%	0.07%	Unchanged
43	PEPSICO INC COM PEP	PEP	1,674	$305.1k0.07%	0.07%	Added +40	+40 2.5%
44	ISHARES TR S&P 500 GRWT ETF IVW	IVW	4,736	$302.6k0.07%	0.07%	Reduced -862	-862 -15.4%
45	SELECT SECTOR SPDR TR SBI HEALTHCARE XLV	XLV	2,153	$278.7k0.06%	0.06%	Added +140	+140 7.0%
46	SELECT SECTOR SPDR TR SBI CONS DISCR XLY	XLY	1,849	$276.5k0.06%	0.06%	Unchanged
47	SPDR GOLD TR GOLD SHS GLD	GLD	1,509	$276.5k0.06%	0.06%	Unchanged
48	JOHNSON & JOHNSON COM JNJ	JNJ	1,748	$270.9k0.06%	0.06%	Reduced -870	-870 -33.2%
49	FIRST TR SPECIALTY FIN & FIN COM BEN INTR COM BEN INTR		84,537	$265.4k0.06%	0.06%	Unchanged
50	GE AEROSPACE COM NEW GE	GE	2,570	$245.6k0.05%	0.05%	Added +1	+1 0.0%
51	VANGUARD WORLD FD INDUSTRIAL ETF VIS	VIS	1,241	$236.4k0.05%	0.05%	Unchanged
52	JPMORGAN CHASE & CO COM JPM	JPM	1,809	$235.7k0.05%	0.05%	Reduced -441	-441 -19.6%
53	ISHARES TR 20 YR TR BD ETF TLT	TLT	2,152	$228.9k0.05%	0.05%	Unchanged
54	ISHARES TR US SML CAP EQT SMLF	SMLF	4,410	$226.1k0.05%	0.05%	Added +46	+46 1.1%
55	WALMART INC COM WMT	WMT	1,531	$225.7k0.05%	0.05%	Reduced -13	-13 -0.8%
56	ISHARES TR INTERNATIONAL SL ISCF	ISCF	7,253	$225.4k0.05%	0.05%	Reduced -1.9k	-1,934 -21.1%
57	BOOKING HOLDINGS INC COM BKNG	BKNG	83	$220.2k0.05%	0.05%	New
58	NVIDIA CORPORATION COM NVDA	NVDA	775	$215.3k0.05%	0.05%	New
59	STEEL DYNAMICS INC COM STLD	STLD	1,901	$214.9k0.05%	0.05%	New
60	ZIMMER BIOMET HOLDINGS INC COM ZBH	ZBH	1,639	$211.7k0.05%	0.05%	Unchanged
61	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	656	$210.4k0.05%	0.05%	New
62	J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT JPEM	JPEM	3,460	$174.7k0.04%	0.04%	Reduced -4.6k	-4,600 -57.1%
63	ISHARES TR MSCI INTL QUALTY IQLT	IQLT	4,826	$170.4k0.04%	0.04%	Unchanged
64	J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ JPIN	JPIN	2,875	$150.4k0.03%	0.03%	Added +89	+89 3.2%
65	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	1,813	$132.6k0.03%	0.03%	Added +6	+6 0.3%
66	SCHWAB STRATEGIC TR US LCAP GR ETF SCHG	SCHG	1,943	$126.6k0.03%	0.03%	Reduced -134	-134 -6.5%
67	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	294	$110.6k0.02%	0.02%	Reduced -618	-618 -67.8%
68	ISHARES TR CORE S&P TTL STK ITOT	ITOT	1,080	$97.8k0.02%	0.02%	Unchanged
69	ISHARES TR US CONSM STAPLES IYK	IYK	420	$83.7k0.02%	0.02%	Added +2	+2 0.5%
70	ISHARES TR RUS MDCP VAL ETF IWS	IWS	725	$77.0k0.02%	0.02%	Unchanged
71	ISHARES TR RUS 1000 GRW ETF IWF	IWF	297	$72.4k0.02%	0.02%	Added +1	+1 0.3%
72	GABELLI EQUITY TR INC COM GAB	GAB	11,922	$68.4k0.02%	0.02%	Added +896	+896 8.1%
73	ISHARES TR RUS MD CP GR ETF IWP	IWP	674	$61.4k0.01%	0.01%	Added +1	+1 0.1%
74	DIMENSIONAL ETF TRUST INTL CORE EQUITY DFIC	DFIC	2,490	$59.9k0.01%	0.01%	Unchanged
75	DIMENSIONAL ETF TRUST US EQUITY MARKET DFUS	DFUS	1,247	$55.4k0.01%	0.01%	Unchanged
76	VANGUARD WORLD FD FINANCIALS ETF VFH	VFH	703	$54.8k0.01%	0.01%	Unchanged
77	SELECT SECTOR SPDR TR COMMUNICATION XLC	XLC	908	$52.6k0.01%	0.01%	Unchanged
78	SELECT SECTOR SPDR TR INDL XLI	XLI	426	$43.1k0.01%	0.01%	Unchanged
79	VANGUARD WORLD FD CONSUM STP ETF VDC	VDC	214	$41.4k0.01%	0.01%	Unchanged
80	ISHARES TR RUSSELL 2000 ETF IWM	IWM	228	$40.7k0.01%	0.01%	Unchanged
81	ISHARES TR RUS 1000 ETF IWB	IWB	176	$39.7k0.01%	0.01%	Unchanged
82	SELECT SECTOR SPDR TR FINANCIAL XLF	XLF	1,183	$38.0k0.01%	0.01%	Reduced -519	-519 -30.5%
83	ISHARES TR RUS 2000 GRW ETF IWO	IWO	139	$31.6k0.01%	0.01%	Unchanged
84	DIMENSIONAL ETF TRUST US MKTWIDE VALUE DFUV	DFUV	894	$29.9k0.01%	0.01%	Unchanged
85	ISHARES TR IBOXX HI YD ETF HYG	HYG	371	$28.0k0.01%	0.01%	Unchanged
86	DIMENSIONAL ETF TRUST INTERNATNAL VAL DFIV	DFIV	616	$19.9k0.00%	0.00%	Unchanged
87	ISHARES INC EMNG MKTS EQT EMGF	EMGF	398	$16.5k0.00%	0.00%	Unchanged
88	ISHARES TR ISHARES BIOTECH IBB	IBB	127	$16.4k0.00%	0.00%	Reduced -110	-110 -46.4%
89	VANGUARD INDEX FDS MID CAP ETF VO	VO	70	$14.8k0.00%	0.00%	Reduced -586	-586 -89.3%
90	VANGUARD INDEX FDS SMALL CP ETF VB	VB	75	$14.2k0.00%	0.00%	Unchanged
91	DIMENSIONAL ETF TRUST US SMALL CAP ETF DFAS	DFAS	254	$13.4k0.00%	0.00%	Unchanged
92	VANGUARD WORLD FD HEALTH CAR ETF VHT	VHT	52	$12.4k0.00%	0.00%	Reduced -35	-35 -40.2%
93	SELECT SECTOR SPDR TR SBI MATERIALS XLB	XLB	111	$9.0k0.00%	0.00%	Unchanged
94	ISHARES TR MSCI ACWI EX US ACWX	ACWX	161	$7.8k0.00%	0.00%	Unchanged
95	WISDOMTREE TR US EFFICIENT COR NTSX	NTSX	208	$7.3k0.00%	0.00%	Reduced -583	-583 -73.7%
96	VANGUARD WORLD FD ENERGY ETF VDE	VDE	58	$6.6k0.00%	0.00%	Unchanged
97	ISHARES TR RUS MID CAP ETF IWR	IWR	64	$4.5k0.00%	0.00%	Added +1	+1 1.6%
98	VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF VWO	VWO	87	$3.5k0.00%	0.00%	Reduced -829	-829 -90.5%
99	ISHARES TR JPMORGAN USD EMG EMB	EMB	38	$3.3k0.00%	0.00%	Added +11	+11 40.7%
100	DIMENSIONAL ETF TRUST US SUSTAINABILTY DFSU	DFSU	120	$3.2k0.00%	0.00%	New

Sold out since Q4 2022

Security	Ticker	Shares held before	Value then
HUNTINGTON BANCSHARES INC HBAN	HBAN	26,715	$376.7k26.7k shares
AUTOMATIC DATA PROCESSING IN ADP	ADP	1,109	$264.9k1.1k shares
ABBVIE INC ABBV	ABBV	1,572	$254.1k1.6k shares
PFIZER INC PFE	PFE	4,364	$223.6k4.4k shares
ISHARES TR QUAL	QUAL	1,494	$170.3k1.5k shares
WISDOMTREE TR XC	XC	6,088	$150.7k6.1k shares
VANGUARD INDEX FDS VTV	VTV	400	$56.1k400 shares
VANGUARD INDEX FDS VUG	VUG	180	$38.4k180 shares
ISHARES TR IEFA	IEFA	452	$27.9k452 shares
SCHWAB STRATEGIC TR SCHP	SCHP	511	$26.5k511 shares
VANGUARD INTL EQUITY INDEX F VSS	VSS	234	$24.1k234 shares
ISHARES TR EFV	EFV	475	$21.8k475 shares
VANGUARD INTL EQUITY INDEX F VGK	VGK	335	$18.6k335 shares
VANGUARD INDEX FDS VBK	VBK	50	$10.0k50 shares
ISHARES TR IXUS	IXUS	100	$5.8k100 shares
ISHARES TR IYR	IYR	65	$5.5k65 shares
VANGUARD WORLD FD VAW	VAW	32	$5.4k32 shares
ISHARES TR ITB	ITB	78	$4.7k78 shares
ISHARES TR SMMV	SMMV	52	$1.8k52 shares
ISHARES TR IEF	IEF	9	$8629 shares
ISHARES TR IJH	IJH	1	$2421 shares