SYM FINANCIAL Corp

WINONA LAKE, IN · CIK 764739 · 13F filing filed 2024-05-06

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.

$606.1m reported value -1.9% vs Q4 2023

167positions

86.0%in top 10

13 new 40 added 69 reduced 24 sold out vs Q4 2023

Holdings, Q1 2024

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	6,090,782	$184.1m30.37%	30.37%	Reduced -56.2k	-56,215 -0.9%
2	WISDOMTREE TR INTERNATIONL EFI NTSI	NTSI	2,107,650	$78.1m12.89%	12.89%	Added +36.6k	+36,566 1.8%
3	VANGUARD INDEX FDS MCAP VL IDXVIP VOE	VOE	492,070	$76.7m12.66%	12.66%	Added +16.2k	+16,250 3.4%
4	ISHARES TR US TREAS BD ETF GOVT	GOVT	2,650,947	$60.4m9.96%	9.96%	Added +242.0k	+242,008 10.1%
5	DOW INC COM DOW	DOW	595,017	$34.5m5.69%	5.69%	Reduced -2.4k	-2,431 -0.4%
6	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	108,331	$28.2m4.65%	4.65%	Reduced -22.3k	-22,330 -17.1%
7	ISHARES TR CORE US AGGBD ET AGG	AGG	217,488	$21.3m3.51%	3.51%	Reduced -134.3k	-134,277 -38.2%
8	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	258,682	$15.8m2.61%	2.61%	Reduced -177.0k	-177,013 -40.6%
9	VANGUARD ADMIRAL FDS INC SMLCP 600 VAL VIOV	VIOV	157,282	$13.9m2.29%	2.29%	Reduced -6.8k	-6,785 -4.1%
10	ISHARES TR CORE MSCI EAFE IEFA	IEFA	111,207	$8.3m1.36%	1.36%	Reduced -29.2k	-29,173 -20.8%
11	VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF VT	VT	53,903	$6.0m0.98%	0.98%	Added +4.0k	+4,020 8.1%
12	PIMCO CORPORATE & INCOME OPP COM PTY	PTY	291,872	$4.3m0.72%	0.72%	Reduced -2.3k	-2,265 -0.8%
13	ELI LILLY & CO COM LLY	LLY	5,258	$4.1m0.67%	0.67%	Reduced -883	-883 -14.4%
14	BLACKROCK CORE BD TR SHS BEN INT BHK	BHK	337,858	$3.6m0.60%	0.60%	Unchanged
15	ISHARES INC MSCI GBL MIN VOL ACWV	ACWV	34,622	$3.6m0.60%	0.60%	Added +6.5k	+6,510 23.2%
16	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	44,942	$3.6m0.60%	0.60%	Reduced -73.3k	-73,295 -62.0%
17	DIMENSIONAL ETF TRUST US CORE EQT MKT DFAU	DFAU	99,030	$3.6m0.60%	0.60%	Added +19.1k	+19,056 23.8%
18	APPLE INC COM AAPL	AAPL	20,871	$3.6m0.59%	0.59%	Reduced -8.5k	-8,456 -28.8%
19	MICROSOFT CORP COM MSFT	MSFT	6,999	$2.9m0.49%	0.49%	Reduced -3.4k	-3,394 -32.7%
20	SCHWAB STRATEGIC TR INT-TRM U.S TRES SCHR	SCHR	56,912	$2.8m0.46%	0.46%	Added +8.0k	+8,012 16.4%
21	SPDR INDEX SHS FDS MSCI WRLD STRGIC QWLD	QWLD	22,825	$2.7m0.45%	0.45%	Added +182	+182 0.8%
22	LAKELAND FINL CORP COM LKFN	LKFN	28,347	$1.9m0.31%	0.31%	Reduced -4.2k	-4,182 -12.9%
23	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	28,874	$1.7m0.29%	0.29%	Reduced -105	-105 -0.4%
24	ISHARES TR MSCI ACWI ETF ACWI	ACWI	15,239	$1.7m0.28%	0.28%	Reduced -151	-151 -1.0%
25	J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF JPIB	JPIB	33,081	$1.6m0.26%	0.26%	Added +4.9k	+4,888 17.3%
26	J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF JPST	JPST	27,136	$1.4m0.23%	0.23%	Reduced -49.7k	-49,672 -64.7%
27	NVIDIA CORPORATION COM NVDA	NVDA	1,316	$1.2m0.20%	0.20%	Reduced -242	-242 -15.5%
28	VANGUARD WORLD FD INF TECH ETF VGT	VGT	2,191	$1.1m0.19%	0.19%	Unchanged
29	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	2,176	$1.1m0.19%	0.19%	Reduced -5	-5 -0.2%
30	JPMORGAN CHASE & CO COM JPM	JPM	4,789	$959.1k0.16%	0.16%	Reduced -2.1k	-2,133 -30.8%
31	SCHWAB STRATEGIC TR US LCAP GR ETF SCHG	SCHG	10,031	$930.1k0.15%	0.15%	Reduced -11.3k	-11,256 -52.9%
32	ISHARES TR ESG AWR MSCI USA ESGU	ESGU	7,982	$917.6k0.15%	0.15%	Added +2.5k	+2,454 44.4%
33	AMAZON COM INC COM AMZN	AMZN	5,045	$910.0k0.15%	0.15%	Reduced -1.0k	-1,040 -17.1%
34	WALMART INC COM WMT	WMT	14,948	$899.4k0.15%	0.15%	Reduced -142	-142 -0.9%
35	PIMCO ETF TR ENHAN SHRT MA AC MINT	MINT	8,352	$839.7k0.14%	0.14%	Added +1.5k	+1,506 22.0%
36	GE AEROSPACE COM NEW GE	GE	4,665	$818.9k0.14%	0.14%	Reduced -3.7k	-3,666 -44.0%
37	JOHNSON & JOHNSON COM JNJ	JNJ	4,689	$741.7k0.12%	0.12%	Reduced -1.3k	-1,274 -21.4%
38	META PLATFORMS INC CL A META	META	1,480	$718.7k0.12%	0.12%	Reduced -1.2k	-1,247 -45.7%
39	SELECT SECTOR SPDR TR ENERGY XLE	XLE	7,354	$694.3k0.11%	0.11%	Reduced -1.6k	-1,622 -18.1%
40	TARGA RES CORP COM TRGP	TRGP	6,005	$672.5k0.11%	0.11%	Added +5	+5 0.1%
41	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	12,507	$627.5k0.10%	0.10%	Reduced -604	-604 -4.6%
42	ALPHABET INC CAP STK CL A GOOGL	GOOGL	3,896	$588.0k0.10%	0.10%	Added +289	+289 8.0%
43	ISHARES INC CORE MSCI EMKT IEMG	IEMG	11,268	$581.4k0.10%	0.10%	Added +119	+119 1.1%
44	MCDONALDS CORP COM MCD	MCD	2,056	$579.7k0.10%	0.10%	Reduced -250	-250 -10.8%
45	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	2,852	$520.8k0.09%	0.09%	Reduced -633	-633 -18.2%
46	BROADCOM INC COM AVGO	AVGO	390	$516.9k0.09%	0.09%	Added +22	+22 6.0%
47	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	1,209	$508.4k0.08%	0.08%	Added +43	+43 3.7%
48	AON PLC SHS CL A AON	AON	1,280	$427.1k0.07%	0.07%	Added +32	+32 2.6%
49	ISHARES TR CORE S&P US VLU IUSV	IUSV	4,690	$424.2k0.07%	0.07%	Reduced -128	-128 -2.7%
50	COCA COLA CO COM KO	KO	6,832	$418.0k0.07%	0.07%	Added +139	+139 2.1%
51	EXXON MOBIL CORP COM XOM	XOM	3,517	$408.8k0.07%	0.07%	Reduced -332	-332 -8.6%
52	ISHARES TR SP SMCP600VL ETF IJS	IJS	3,968	$407.8k0.07%	0.07%	Unchanged
53	JABIL INC COM JBL	JBL	3,031	$406.0k0.07%	0.07%	Added +31	+31 1.0%
54	ISHARES TR YLD OPTIM BD BYLD	BYLD	18,152	$405.9k0.07%	0.07%	Added +531	+531 3.0%
55	ORACLE CORP COM ORCL	ORCL	3,192	$400.9k0.07%	0.07%	Added +64	+64 2.0%
56	PEPSICO INC COM PEP	PEP	2,289	$400.7k0.07%	0.07%	Reduced -1	-1 -0.0%
57	DIMENSIONAL ETF TRUST US LARGE CAP VAL DFLV	DFLV	13,072	$392.0k0.06%	0.06%	Unchanged
58	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	873	$387.7k0.06%	0.06%	Reduced -243	-243 -21.8%
59	SCHWAB STRATEGIC TR US MID-CAP ETF SCHM	SCHM	4,753	$387.0k0.06%	0.06%	Reduced -10.5k	-10,515 -68.9%
60	DIMENSIONAL ETF TRUST US CORE EQUITY 2 DFAC	DFAC	11,927	$381.1k0.06%	0.06%	Reduced -250	-250 -2.0%
61	SPDR GOLD TR GOLD SHS GLD	GLD	1,773	$364.7k0.06%	0.06%	Reduced -340	-340 -16.1%
62	THERMO FISHER SCIENTIFIC INC COM TMO	TMO	623	$362.1k0.06%	0.06%	Added +16	+16 2.6%
63	VANGUARD INDEX FDS EXTEND MKT ETF VXF	VXF	2,013	$352.8k0.06%	0.06%	New
64	DIMENSIONAL ETF TRUST INTL CORE EQUITY DFIC	DFIC	13,055	$349.2k0.06%	0.06%	Added +14	+14 0.1%
65	BOOKING HOLDINGS INC COM BKNG	BKNG	94	$341.0k0.06%	0.06%	Added +1	+1 1.1%
66	CHEVRON CORP NEW COM CVX	CVX	2,156	$340.2k0.06%	0.06%	Reduced -422	-422 -16.4%
67	VISA INC COM CL A V	V	1,215	$339.1k0.06%	0.06%	Added +92	+92 8.2%
68	SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP MDY	MDY	600	$333.8k0.06%	0.06%	Unchanged
69	DISNEY WALT CO COM DIS	DIS	2,672	$326.9k0.05%	0.05%	Reduced -102	-102 -3.7%
70	HOME DEPOT INC COM HD	HD	826	$316.9k0.05%	0.05%	Reduced -800	-800 -49.2%
71	ISHARES TR S&P 500 GRWT ETF IVW	IVW	3,708	$313.1k0.05%	0.05%	Added +493	+493 15.3%
72	SSGA ACTIVE ETF TR SPDR TR TACTIC TOTL	TOTL	7,810	$312.8k0.05%	0.05%	Reduced -283	-283 -3.5%
73	CATERPILLAR INC COM CAT	CAT	829	$303.8k0.05%	0.05%	Reduced -228	-228 -21.6%
74	VANGUARD INDEX FDS MID CAP ETF VO	VO	1,195	$298.6k0.05%	0.05%	Unchanged
75	BLACKROCK INC COM BLK	BLK	358	$298.5k0.05%	0.05%	Added +70	+70 24.3%
76	TESLA INC COM TSLA	TSLA	1,665	$292.7k0.05%	0.05%	Reduced -618	-618 -27.1%
77	CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI CGGO	CGGO	10,066	$289.9k0.05%	0.05%	New
78	DIMENSIONAL ETF TRUST INTL SMALL CAP V DISV	DISV	10,463	$284.5k0.05%	0.05%	Unchanged
79	STEEL DYNAMICS INC COM STLD	STLD	1,905	$282.3k0.05%	0.05%	Added +4	+4 0.2%
80	NETFLIX INC COM NFLX	NFLX	454	$275.7k0.05%	0.05%	Added +22	+22 5.1%
81	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	562	$270.2k0.04%	0.04%	Reduced -1.4k	-1,391 -71.2%
82	ISHARES TR GLOBAL EQUITY GLOF	GLOF	6,349	$262.3k0.04%	0.04%	Unchanged
83	APPLIED MATLS INC COM AMAT	AMAT	1,249	$257.6k0.04%	0.04%	Added +13	+13 1.1%
84	SELECT SECTOR SPDR TR SBI CONS DISCR XLY	XLY	1,379	$253.6k0.04%	0.04%	Unchanged
85	UNITEDHEALTH GROUP INC COM UNH	UNH	501	$247.8k0.04%	0.04%	Reduced -78	-78 -13.5%
86	CISCO SYS INC COM CSCO	CSCO	4,854	$242.3k0.04%	0.04%	Reduced -2.0k	-2,000 -29.2%
87	ENERGY TRANSFER L P COM UT LTD PTN ET	ET	15,341	$241.3k0.04%	0.04%	Reduced -5.0k	-5,000 -24.6%
88	PROCTER AND GAMBLE CO COM PG	PG	1,469	$238.3k0.04%	0.04%	Reduced -134	-134 -8.4%
89	MASTERCARD INCORPORATED CL A MA	MA	484	$233.1k0.04%	0.04%	New
90	ISHARES TR RUS MDCP VAL ETF IWS	IWS	1,743	$218.5k0.04%	0.04%	Reduced -151	-151 -8.0%
91	ZIMMER BIOMET HOLDINGS INC COM ZBH	ZBH	1,639	$216.3k0.04%	0.04%	Reduced -11	-11 -0.7%
92	SCHWAB STRATEGIC TR US LRG CAP ETF SCHX	SCHX	3,450	$214.1k0.04%	0.04%	Reduced -1.0k	-1,000 -22.5%
93	ISHARES TR MSCI USA QLT FCT QUAL	QUAL	1,261	$207.2k0.03%	0.03%	Unchanged
94	SELECT SECTOR SPDR TR SBI HEALTHCARE XLV	XLV	1,383	$204.3k0.03%	0.03%	Unchanged
95	DIMENSIONAL ETF TRUST EMERGING MKTS CO DFEM	DFEM	7,574	$193.1k0.03%	0.03%	Added +1.7k	+1,705 29.1%
96	VANGUARD WORLD FD INDUSTRIAL ETF VIS	VIS	781	$190.7k0.03%	0.03%	Reduced -48	-48 -5.8%
97	SELECT SECTOR SPDR TR INDL XLI	XLI	1,426	$179.6k0.03%	0.03%	Unchanged
98	ISHARES TR MSCI INTL QUALTY IQLT	IQLT	4,301	$170.6k0.03%	0.03%	Unchanged
99	INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN PPA	PPA	1,675	$170.1k0.03%	0.03%	Reduced -275	-275 -14.1%
100	FIRST TR SPECIALTY FIN & FIN COM BEN INTR COM BEN INTR		41,994	$158.3k0.03%	0.03%	Reduced -6.1k	-6,068 -12.6%

Sold out since Q4 2023

Security	Ticker	Shares held before	Value then
PROSHARES TR NOBL	NOBL	7,286	$693.6k7.3k shares
INVESCO EXCHANGE TRADED FD T SPGP	SPGP	2,998	$293.9k3.0k shares
ABBVIE INC ABBV	ABBV	1,652	$256.0k1.7k shares
TARGET CORP TGT	TGT	1,626	$231.6k1.6k shares
ALBEMARLE CORP ALB	ALB	1,583	$228.7k1.6k shares
ABBOTT LABS ABT	ABT	2,015	$221.8k2.0k shares
ZOETIS INC ZTS	ZTS	1,107	$218.5k1.1k shares
COSTCO WHSL CORP NEW COST	COST	306	$202.0k306 shares
VANGUARD INDEX FDS VOT	VOT	550	$120.8k550 shares
SPDR SER TR XOP	XOP	852	$116.6k852 shares
VANGUARD ADMIRAL FDS INC VIOG	VIOG	1,000	$107.6k1.0k shares
VANGUARD ADMIRAL FDS INC VOOV	VOOV	300	$50.4k300 shares
FIDELITY COVINGTON TRUST FMAT	FMAT	1,000	$48.7k1.0k shares
ISHARES TR IVV	IVV	94	$44.9k94 shares
SPDR SERIES TRUST ROKT	ROKT	1,000	$44.7k1.0k shares
INVESCO EXCHANGE TRADED FD T DJD	DJD	804	$37.0k804 shares
SPDR SER TR SPYD	SPYD	937	$36.7k937 shares
SPDR SER TR BIL	BIL	346	$31.6k346 shares
FIDELITY COVINGTON TRUST FCOM	FCOM	500	$22.3k500 shares
SPDR SER TR SPSM	SPSM	247	$10.4k247 shares
SPDR INDEX SHS FDS SPEM	SPEM	166	$5.9k166 shares
SPDR SER TR KOMP	KOMP	71	$3.3k71 shares
ISHARES TR ICVT	ICVT	32	$2.5k32 shares
PROSHARES TR PAWZ	PAWZ	3	$1603 shares