SYM FINANCIAL Corp

WINONA LAKE, IN · CIK 764739 · 13F filing filed 2023-08-02

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

$493.4m reported value +8.9% vs Q1 2023

126positions

90.2%in top 10

25 new 38 added 24 reduced 4 sold out vs Q1 2023

Holdings, Q2 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	6,246,180	$170.6m34.59%	34.59%	Added +531.5k	+531,528 9.3%
2	WISDOMTREE TR INTERNATIONL EFI NTSI	NTSI	2,002,034	$69.0m13.98%	13.98%	Added +164.3k	+164,304 8.9%
3	VANGUARD INDEX FDS MCAP VL IDXVIP VOE	VOE	452,203	$62.6m12.68%	12.68%	Added +17.4k	+17,361 4.0%
4	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	149,016	$32.8m6.65%	6.65%	Added +5.7k	+5,666 4.0%
5	DOW INC COM DOW	DOW	531,756	$28.3m5.74%	5.74%	Reduced -421	-421 -0.1%
6	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	543,471	$28.1m5.69%	5.69%	Added +233	+233 0.0%
7	ISHARES TR CORE US AGGBD ET AGG	AGG	181,837	$17.8m3.61%	3.61%	Reduced -170	-170 -0.1%
8	VANGUARD ADMIRAL FDS INC SMLCP 600 VAL VIOV	VIOV	174,825	$14.4m2.91%	2.91%	Reduced -6.4k	-6,378 -3.5%
9	ISHARES TR CORE MSCI EAFE IEFA	IEFA	199,755	$13.5m2.73%	2.73%	New
10	RPM INTL INC COM RPM	RPM	88,074	$7.9m1.60%	1.60%	Unchanged
11	PIMCO CORPORATE & INCOME OPP COM PTY	PTY	306,591	$4.3m0.87%	0.87%	Unchanged
12	VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF VT	VT	42,890	$4.2m0.84%	0.84%	Added +1.0k	+1,024 2.5%
13	BLACKROCK CORE BD TR SHS BEN INT BHK	BHK	337,858	$3.6m0.73%	0.73%	Unchanged
14	DUPONT DE NEMOURS INC COM DWDP	DWDP	38,606	$2.8m0.56%	0.56%	Unchanged
15	ELI LILLY & CO COM LLY	LLY	5,602	$2.6m0.53%	0.53%	Reduced -221	-221 -3.8%
16	SPDR INDEX SHS FDS MSCI WRLD STRGIC QWLD	QWLD	22,421	$2.3m0.47%	0.47%	Added +38	+38 0.2%
17	ISHARES INC MSCI GBL MIN VOL ACWV	ACWV	20,472	$2.0m0.41%	0.41%	Added +999	+999 5.1%
18	DIMENSIONAL ETF TRUST US CORE EQT MKT DFAU	DFAU	58,804	$1.8m0.37%	0.37%	New
19	ISHARES TR MSCI ACWI ETF ACWI	ACWI	18,842	$1.8m0.37%	0.37%	Reduced -2.5k	-2,476 -11.6%
20	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	29,729	$1.7m0.34%	0.34%	Unchanged
21	APPLE INC COM AAPL	AAPL	8,031	$1.6m0.32%	0.32%	Reduced -1.9k	-1,855 -18.8%
22	VANGUARD BD INDEX FDS TOTAL BND MRKT BND	BND	13,675	$994.0k0.20%	0.20%	Added +4.0k	+3,975 41.0%
23	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	2,085	$924.3k0.19%	0.19%	Reduced -49	-49 -2.3%
24	SSGA ACTIVE ETF TR SPDR TR TACTIC TOTL	TOTL	21,560	$874.3k0.18%	0.18%	Added +7.4k	+7,386 52.1%
25	SCHWAB STRATEGIC TR INT-TRM U.S TRES SCHR	SCHR	16,513	$813.8k0.16%	0.16%	Added +71	+71 0.4%
26	ISHARES TR GLOBAL EQUITY GLOF	GLOF	21,103	$746.7k0.15%	0.15%	Reduced -108.6k	-108,606 -83.7%
27	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	13,238	$611.3k0.12%	0.12%	Added +3	+3 0.0%
28	ISHARES TR CORE S&P US VLU IUSV	IUSV	7,713	$603.6k0.12%	0.12%	Reduced -166	-166 -2.1%
29	PIMCO ETF TR ENHAN SHRT MA AC MINT	MINT	5,972	$595.8k0.12%	0.12%	Added +5	+5 0.1%
30	MICROSOFT CORP COM MSFT	MSFT	1,667	$567.7k0.12%	0.12%	Added +329	+329 24.6%
31	ISHARES TR ESG AWR MSCI USA ESGU	ESGU	5,528	$538.8k0.11%	0.11%	Unchanged
32	J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF JPIB	JPIB	11,322	$527.6k0.11%	0.11%	Added +163	+163 1.5%
33	VANGUARD WORLD FD INF TECH ETF VGT	VGT	1,191	$526.6k0.11%	0.11%	Unchanged
34	ISHARES TR IBOXX INV CP ETF LQD	LQD	4,628	$500.5k0.10%	0.10%	Added +1.7k	+1,733 59.9%
35	SELECT SECTOR SPDR TR ENERGY XLE	XLE	5,943	$482.4k0.10%	0.10%	Added +15	+15 0.2%
36	NVIDIA CORPORATION COM NVDA	NVDA	1,087	$459.8k0.09%	0.09%	Added +312	+312 40.3%
37	ISHARES INC CORE MSCI EMKT IEMG	IEMG	8,549	$421.4k0.09%	0.09%	Reduced -31	-31 -0.4%
38	ISHARES TR YLD OPTIM BD BYLD	BYLD	18,917	$415.0k0.08%	0.08%	Reduced -275	-275 -1.4%
39	CHEVRON CORP NEW COM CVX	CVX	2,402	$378.0k0.08%	0.08%	Added +6	+6 0.2%
40	ISHARES TR SP SMCP600VL ETF IJS	IJS	3,968	$377.3k0.08%	0.08%	Unchanged
41	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	2,205	$358.2k0.07%	0.07%	Reduced -474	-474 -17.7%
42	AON PLC SHS CL A AON	AON	1,000	$345.2k0.07%	0.07%	Unchanged
43	PEPSICO INC COM PEP	PEP	1,843	$341.3k0.07%	0.07%	Added +169	+169 10.1%
44	EXXON MOBIL CORP COM XOM	XOM	2,943	$315.7k0.06%	0.06%	Reduced -688	-688 -18.9%
45	ISHARES TR S&P 500 GRWT ETF IVW	IVW	4,213	$296.9k0.06%	0.06%	Reduced -523	-523 -11.0%
46	JPMORGAN CHASE & CO COM JPM	JPM	1,915	$278.4k0.06%	0.06%	Added +106	+106 5.9%
47	GE AEROSPACE COM NEW GE	GE	2,531	$278.0k0.06%	0.06%	Reduced -39	-39 -1.5%
48	FIRST TR SPECIALTY FIN & FIN COM BEN INTR COM BEN INTR		84,537	$275.6k0.06%	0.06%	Unchanged
49	SELECT SECTOR SPDR TR SBI CONS DISCR XLY	XLY	1,614	$274.1k0.06%	0.06%	Reduced -235	-235 -12.7%
50	SPDR GOLD TR GOLD SHS GLD	GLD	1,509	$269.0k0.05%	0.05%	Unchanged
51	WALMART INC COM WMT	WMT	1,673	$262.9k0.05%	0.05%	Added +142	+142 9.3%
52	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	700	$258.5k0.05%	0.05%	Added +44	+44 6.7%
53	ZIMMER BIOMET HOLDINGS INC COM ZBH	ZBH	1,639	$238.6k0.05%	0.05%	Unchanged
54	ISHARES TR US SML CAP EQT SMLF	SMLF	4,410	$236.5k0.05%	0.05%	Unchanged
55	TESLA INC COM TSLA	TSLA	894	$234.0k0.05%	0.05%	New
56	SELECT SECTOR SPDR TR SBI HEALTHCARE XLV	XLV	1,698	$225.4k0.05%	0.05%	Reduced -455	-455 -21.1%
57	BOOKING HOLDINGS INC COM BKNG	BKNG	83	$224.1k0.05%	0.05%	Unchanged
58	ISHARES TR INTERNATIONAL SL ISCF	ISCF	7,253	$223.8k0.05%	0.05%	Unchanged
59	ISHARES TR 20 YR TR BD ETF TLT	TLT	2,152	$221.5k0.04%	0.04%	Unchanged
60	VANGUARD WORLD FD INDUSTRIAL ETF VIS	VIS	1,035	$212.7k0.04%	0.04%	Reduced -206	-206 -16.6%
61	STEEL DYNAMICS INC COM STLD	STLD	1,901	$207.1k0.04%	0.04%	Unchanged
62	ENERGY TRANSFER L P COM UT LTD PTN ET	ET	16,300	$207.0k0.04%	0.04%	New
63	MCDONALDS CORP COM MCD	MCD	676	$201.7k0.04%	0.04%	New
64	J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT JPEM	JPEM	3,460	$174.7k0.04%	0.04%	Unchanged
65	ISHARES TR MSCI USA QLT FCT QUAL	QUAL	1,261	$170.1k0.03%	0.03%	New
66	J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ JPIN	JPIN	2,875	$149.3k0.03%	0.03%	Unchanged
67	SCHWAB STRATEGIC TR US LCAP GR ETF SCHG	SCHG	1,943	$145.6k0.03%	0.03%	Unchanged
68	ISHARES TR MSCI INTL QUALTY IQLT	IQLT	3,958	$140.9k0.03%	0.03%	Reduced -868	-868 -18.0%
69	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	1,807	$131.2k0.03%	0.03%	Reduced -6	-6 -0.3%
70	ISHARES TR CORE S&P TTL STK ITOT	ITOT	1,284	$125.6k0.03%	0.03%	Added +204	+204 18.9%
71	VANGUARD INDEX FDS SMALL CP ETF VB	VB	552	$109.8k0.02%	0.02%	Added +477	+477 636.0%
72	ISHARES TR US CONSM STAPLES IYK	IYK	422	$84.5k0.02%	0.02%	Added +2	+2 0.5%
73	ISHARES TR RUS MDCP VAL ETF IWS	IWS	725	$79.6k0.02%	0.02%	Unchanged
74	ISHARES TR RUS 1000 GRW ETF IWF	IWF	267	$73.4k0.01%	0.01%	Reduced -30	-30 -10.1%
75	GABELLI EQUITY TR INC COM GAB	GAB	12,232	$70.9k0.01%	0.01%	Added +310	+310 2.6%
76	ISHARES TR RUS MD CP GR ETF IWP	IWP	675	$65.2k0.01%	0.01%	Added +1	+1 0.1%
77	DIMENSIONAL ETF TRUST INTL CORE EQUITY DFIC	DFIC	2,492	$60.5k0.01%	0.01%	Added +2	+2 0.1%
78	DIMENSIONAL ETF TRUST US EQUITY MARKET DFUS	DFUS	1,247	$60.1k0.01%	0.01%	Unchanged
79	SELECT SECTOR SPDR TR COMMUNICATION XLC	XLC	908	$59.1k0.01%	0.01%	Unchanged
80	VANGUARD WORLD FD FINANCIALS ETF VFH	VFH	703	$57.1k0.01%	0.01%	Unchanged
81	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	139	$56.6k0.01%	0.01%	Reduced -155	-155 -52.7%
82	WISDOMTREE TR ARTIFICIAL INTEL WTAI	WTAI	2,778	$53.0k0.01%	0.01%	New
83	ISHARES TR RUSSELL 2000 ETF IWM	IWM	279	$52.3k0.01%	0.01%	Added +51	+51 22.4%
84	SELECT SECTOR SPDR TR INDL XLI	XLI	426	$45.7k0.01%	0.01%	Unchanged
85	ISHARES TR RUS 1000 ETF IWB	IWB	177	$43.1k0.01%	0.01%	Added +1	+1 0.6%
86	SELECT SECTOR SPDR TR FINANCIAL XLF	XLF	1,183	$39.9k0.01%	0.01%	Unchanged
87	ISHARES TR RUS 2000 GRW ETF IWO	IWO	140	$33.9k0.01%	0.01%	Added +1	+1 0.7%
88	DIMENSIONAL ETF TRUST US MKTWIDE VALUE DFUV	DFUV	894	$30.8k0.01%	0.01%	Unchanged
89	ISHARES TR CORE S&P MCP ETF IJH	IJH	117	$30.6k0.01%	0.01%	New
90	SCHWAB STRATEGIC TR US LRG CAP ETF SCHX	SCHX	542	$28.4k0.01%	0.01%	New
91	ISHARES TR IBOXX HI YD ETF HYG	HYG	371	$27.9k0.01%	0.01%	Unchanged
92	ISHARES TR CORE S&P500 ETF IVV	IVV	48	$21.2k0.00%	0.00%	New
93	VANGUARD WORLD FD CONSUM STP ETF VDC	VDC	107	$20.8k0.00%	0.00%	Reduced -107	-107 -50.0%
94	DIMENSIONAL ETF TRUST INTERNATNAL VAL DFIV	DFIV	616	$20.2k0.00%	0.00%	Unchanged
95	ISHARES INC EMNG MKTS EQT EMGF	EMGF	398	$16.5k0.00%	0.00%	Unchanged
96	ISHARES TR ISHARES BIOTECH IBB	IBB	127	$16.1k0.00%	0.00%	Unchanged
97	VANGUARD INDEX FDS MID CAP ETF VO	VO	70	$15.4k0.00%	0.00%	Unchanged
98	DIMENSIONAL ETF TRUST US SMALL CAP ETF DFAS	DFAS	254	$13.9k0.00%	0.00%	Unchanged
99	VANGUARD WORLD FD HEALTH CAR ETF VHT	VHT	52	$12.7k0.00%	0.00%	Unchanged
100	ISHARES TR CORE S&P SCP ETF IJR	IJR	106	$10.6k0.00%	0.00%	Added +78	+78 278.6%

Sold out since Q1 2023

Security	Ticker	Shares held before	Value then
LAKELAND FINL CORP LKFN	LKFN	93,260	$5.8m93.3k shares
PIMCO ETF TR LDUR	LDUR	4,291	$407.2k4.3k shares
JOHNSON & JOHNSON JNJ	JNJ	1,748	$270.9k1.7k shares
ISHARES TR EMB	EMB	38	$3.3k38 shares