SYM FINANCIAL Corp

WINONA LAKE, IN · CIK 764739 · 13F filing filed 2024-08-08

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

$627.3m reported value +3.5% vs Q1 2024

262positions

81.6%in top 10

111 new 73 added 33 reduced 16 sold out vs Q1 2024

Holdings, Q2 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	6,237,518	$185.1m29.50%	29.50%	Added +146.7k	+146,736 2.4%
2	WISDOMTREE TR INTERNATIONL EFI NTSI	NTSI	2,183,329	$79.5m12.67%	12.67%	Added +75.7k	+75,679 3.6%
3	VANGUARD INDEX FDS MCAP VL IDXVIP VOE	VOE	507,447	$76.3m12.17%	12.17%	Added +15.4k	+15,377 3.1%
4	ISHARES TR US TREAS BD ETF GOVT	GOVT	2,786,856	$62.9m10.03%	10.03%	Added +135.9k	+135,909 5.1%
5	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	111,777	$29.9m4.77%	4.77%	Added +3.4k	+3,446 3.2%
6	DOW INC COM DOW	DOW	522,742	$27.7m4.42%	4.42%	Reduced -72.3k	-72,275 -12.2%
7	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	258,667	$16.3m2.59%	2.59%	Reduced -15	-15 -0.0%
8	ISHARES TR CORE US AGGBD ET AGG	AGG	143,556	$13.9m2.22%	2.22%	Reduced -73.9k	-73,932 -34.0%
9	VANGUARD ADMIRAL FDS INC SMLCP 600 VAL VIOV	VIOV	147,350	$12.3m1.97%	1.97%	Reduced -9.9k	-9,932 -6.3%
10	ISHARES TR CORE MSCI EAFE IEFA	IEFA	110,904	$8.1m1.28%	1.28%	Reduced -303	-303 -0.3%
11	VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF VT	VT	56,412	$6.4m1.01%	1.01%	Added +2.5k	+2,509 4.7%
12	APPLE INC COM AAPL	AAPL	26,931	$5.7m0.90%	0.90%	Added +6.1k	+6,060 29.0%
13	ELI LILLY & CO COM LLY	LLY	5,667	$5.1m0.82%	0.82%	Added +409	+409 7.8%
14	PIMCO CORPORATE & INCOME OPP COM PTY	PTY	291,872	$4.2m0.67%	0.67%	Unchanged
15	DIMENSIONAL ETF TRUST US CORE EQT MKT DFAU	DFAU	103,194	$3.9m0.62%	0.62%	Added +4.2k	+4,164 4.2%
16	ISHARES INC MSCI GBL MIN VOL ACWV	ACWV	36,646	$3.8m0.61%	0.61%	Added +2.0k	+2,024 5.8%
17	BLACKROCK CORE BD TR SHS BEN INT BHK	BHK	337,858	$3.6m0.57%	0.57%	Unchanged
18	MICROSOFT CORP COM MSFT	MSFT	7,839	$3.5m0.56%	0.56%	Added +840	+840 12.0%
19	SCHWAB STRATEGIC TR INT-TRM U.S TRES SCHR	SCHR	57,292	$2.8m0.45%	0.45%	Added +380	+380 0.7%
20	NVIDIA CORPORATION COM NVDA	NVDA	22,509	$2.8m0.44%	0.44%	Added +9.3k	+9,349 71.0%
21	SPDR INDEX SHS FDS MSCI WRLD STRGIC QWLD	QWLD	22,537	$2.7m0.43%	0.43%	Reduced -288	-288 -1.3%
22	AMAZON COM INC COM AMZN	AMZN	11,223	$2.2m0.35%	0.35%	Added +6.2k	+6,178 122.5%
23	LAKELAND FINL CORP COM LKFN	LKFN	29,144	$1.8m0.29%	0.29%	Added +797	+797 2.8%
24	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	28,874	$1.7m0.28%	0.28%	Unchanged
25	ISHARES TR MSCI ACWI ETF ACWI	ACWI	15,171	$1.7m0.27%	0.27%	Reduced -68	-68 -0.5%
26	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	20,227	$1.6m0.25%	0.25%	Reduced -24.7k	-24,715 -55.0%
27	EXXON MOBIL CORP COM XOM	XOM	13,590	$1.6m0.25%	0.25%	Added +10.1k	+10,073 286.4%
28	ALPHABET INC CAP STK CL A GOOGL	GOOGL	8,373	$1.5m0.24%	0.24%	Added +4.5k	+4,477 114.9%
29	J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF JPIB	JPIB	32,045	$1.5m0.24%	0.24%	Reduced -1.0k	-1,036 -3.1%
30	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	2,440	$1.3m0.21%	0.21%	Added +264	+264 12.1%
31	WALMART INC COM WMT	WMT	17,404	$1.2m0.19%	0.19%	Added +2.5k	+2,456 16.4%
32	META PLATFORMS INC CL A META	META	2,251	$1.1m0.18%	0.18%	Added +771	+771 52.1%
33	BROADCOM INC COM AVGO	AVGO	700	$1.1m0.18%	0.18%	Added +310	+310 79.5%
34	VANGUARD WORLD FD INF TECH ETF VGT	VGT	1,880	$1.1m0.17%	0.17%	Reduced -311	-311 -14.2%
35	ISHARES TR ESG AWR MSCI USA ESGU	ESGU	8,693	$1.0m0.17%	0.17%	Added +711	+711 8.9%
36	GE AEROSPACE COM NEW GE	GE	6,400	$1.0m0.16%	0.16%	Added +1.7k	+1,735 37.2%
37	JOHNSON & JOHNSON COM JNJ	JNJ	6,815	$996.1k0.16%	0.16%	Added +2.1k	+2,126 45.3%
38	JPMORGAN CHASE & CO COM JPM	JPM	4,848	$980.6k0.16%	0.16%	Added +59	+59 1.2%
39	PIMCO ETF TR ENHAN SHRT MA AC MINT	MINT	8,533	$858.8k0.14%	0.14%	Added +181	+181 2.2%
40	NORFOLK SOUTHN CORP COM NSC	NSC	3,907	$838.8k0.13%	0.13%	New
41	TARGA RES CORP COM TRGP	TRGP	6,048	$778.9k0.12%	0.12%	Added +43	+43 0.7%
42	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	1,778	$723.3k0.12%	0.12%	Added +569	+569 47.1%
43	BOOKING HOLDINGS INC COM BKNG	BKNG	177	$701.2k0.11%	0.11%	Added +83	+83 88.3%
44	SELECT SECTOR SPDR TR ENERGY XLE	XLE	7,670	$699.1k0.11%	0.11%	Added +316	+316 4.3%
45	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	3,688	$673.2k0.11%	0.11%	Added +836	+836 29.3%
46	SCHWAB STRATEGIC TR US LCAP GR ETF SCHG	SCHG	6,523	$657.8k0.10%	0.10%	Reduced -3.5k	-3,508 -35.0%
47	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	12,594	$622.4k0.10%	0.10%	Added +87	+87 0.7%
48	J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF JPST	JPST	12,294	$620.5k0.10%	0.10%	Reduced -14.8k	-14,842 -54.7%
49	HOME DEPOT INC COM HD	HD	1,628	$560.5k0.09%	0.09%	Added +802	+802 97.1%
50	ISHARES INC CORE MSCI EMKT IEMG	IEMG	10,429	$558.3k0.09%	0.09%	Reduced -839	-839 -7.5%
51	BANK AMERICA CORP COM BAC	BAC	13,729	$546.0k0.09%	0.09%	New
52	MASTERCARD INCORPORATED CL A MA	MA	1,212	$534.9k0.09%	0.09%	Added +728	+728 150.4%
53	MCDONALDS CORP COM MCD	MCD	2,042	$520.4k0.08%	0.08%	Reduced -14	-14 -0.7%
54	APPLIED MATLS INC COM AMAT	AMAT	2,199	$518.8k0.08%	0.08%	Added +950	+950 76.1%
55	PEPSICO INC COM PEP	PEP	3,128	$516.0k0.08%	0.08%	Added +839	+839 36.6%
56	ORACLE CORP COM ORCL	ORCL	3,524	$497.6k0.08%	0.08%	Added +332	+332 10.4%
57	SPDR GOLD TR GOLD SHS GLD	GLD	2,193	$471.5k0.08%	0.08%	Added +420	+420 23.7%
58	ISHARES TR MSCI USA QLT FCT QUAL	QUAL	2,672	$456.3k0.07%	0.07%	Added +1.4k	+1,411 111.9%
59	CHEVRON CORP NEW COM CVX	CVX	2,866	$448.2k0.07%	0.07%	Added +710	+710 32.9%
60	VALERO ENERGY CORP COM VLO	VLO	2,852	$447.1k0.07%	0.07%	New
61	COMCAST CORP NEW CL A CMCSA	CMCSA	11,145	$436.4k0.07%	0.07%	New
62	COCA COLA CO COM KO	KO	6,753	$429.8k0.07%	0.07%	Reduced -79	-79 -1.2%
63	JABIL INC COM JBL	JBL	3,928	$427.3k0.07%	0.07%	Added +897	+897 29.6%
64	COSTCO WHSL CORP NEW COM COST	COST	494	$419.9k0.07%	0.07%	New
65	ISHARES TR CORE S&P US VLU IUSV	IUSV	4,690	$413.3k0.07%	0.07%	Unchanged
66	XCEL ENERGY INC COM XEL	XEL	7,703	$411.4k0.07%	0.07%	New
67	UNITEDHEALTH GROUP INC COM UNH	UNH	792	$403.6k0.06%	0.06%	Added +291	+291 58.1%
68	ISHARES TR YLD OPTIM BD BYLD	BYLD	18,171	$403.0k0.06%	0.06%	Added +19	+19 0.1%
69	AT&T INC COM T	T	21,006	$401.4k0.06%	0.06%	New
70	THERMO FISHER SCIENTIFIC INC COM TMO	TMO	710	$392.9k0.06%	0.06%	Added +87	+87 14.0%
71	VISA INC COM CL A V	V	1,495	$392.3k0.06%	0.06%	Added +280	+280 23.1%
72	ISHARES TR SP SMCP600VL ETF IJS	IJS	3,968	$386.0k0.06%	0.06%	Unchanged
73	WEC ENERGY GROUP INC COM WEC	WEC	4,903	$384.7k0.06%	0.06%	New
74	DIMENSIONAL ETF TRUST US CORE EQUITY 2 DFAC	DFAC	11,927	$384.5k0.06%	0.06%	Unchanged
75	ALTRIA GROUP INC COM MO	MO	8,406	$382.9k0.06%	0.06%	New
76	THE CIGNA GROUP COM CI	CI	1,144	$378.2k0.06%	0.06%	New
77	CITIGROUP INC COM NEW C	C	5,805	$368.4k0.06%	0.06%	New
78	ISHARES TR S&P 500 GRWT ETF IVW	IVW	3,979	$368.2k0.06%	0.06%	Added +271	+271 7.3%
79	AON PLC SHS CL A AON	AON	1,251	$367.2k0.06%	0.06%	Reduced -29	-29 -2.3%
80	INVESCO QQQ TR UNIT SER 1 QQQ	QQQ	766	$367.1k0.06%	0.06%	Reduced -107	-107 -12.3%
81	DIMENSIONAL ETF TRUST US LARGE CAP VAL DFLV	DFLV	12,574	$363.5k0.06%	0.06%	Reduced -498	-498 -3.8%
82	ABBVIE INC COM ABBV	ABBV	2,110	$361.9k0.06%	0.06%	New
83	PROCTER AND GAMBLE CO COM PG	PG	2,194	$361.8k0.06%	0.06%	Added +725	+725 49.4%
84	DIMENSIONAL ETF TRUST INTL CORE EQUITY DFIC	DFIC	13,056	$343.2k0.05%	0.05%	Added +1	+1 0.0%
85	BRISTOL-MYERS SQUIBB CO COM BMY	BMY	8,264	$343.2k0.05%	0.05%	New
86	KLA CORP COM NEW KLAC	KLAC	416	$343.2k0.05%	0.05%	New
87	VANGUARD INDEX FDS EXTEND MKT ETF VXF	VXF	2,013	$339.8k0.05%	0.05%	Unchanged
88	DISNEY WALT CO COM DIS	DIS	3,414	$339.0k0.05%	0.05%	Added +742	+742 27.8%
89	TESLA INC COM TSLA	TSLA	1,706	$337.6k0.05%	0.05%	Added +41	+41 2.5%
90	SALESFORCE INC COM CRM	CRM	1,301	$334.5k0.05%	0.05%	New
91	CISCO SYS INC COM CSCO	CSCO	6,929	$329.2k0.05%	0.05%	Added +2.1k	+2,075 42.8%
92	NXP SEMICONDUCTORS N V COM NXPI	NXPI	1,222	$328.8k0.05%	0.05%	New
93	SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP MDY	MDY	600	$321.0k0.05%	0.05%	Unchanged
94	SSGA ACTIVE ETF TR SPDR TR TACTIC TOTL	TOTL	7,960	$316.2k0.05%	0.05%	Added +150	+150 1.9%
95	DUPONT DE NEMOURS INC COM DWDP	DWDP	3,722	$299.6k0.05%	0.05%	New
96	TARGET CORP COM TGT	TGT	2,010	$297.6k0.05%	0.05%	New
97	CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI CGGO	CGGO	10,066	$296.3k0.05%	0.05%	Unchanged
98	EATON CORP PLC SHS ETN	ETN	940	$294.7k0.05%	0.05%	New
99	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	1,701	$294.2k0.05%	0.05%	New
100	VANGUARD INDEX FDS MID CAP ETF VO	VO	1,213	$293.7k0.05%	0.05%	Added +18	+18 1.5%

Sold out since Q1 2024

Security	Ticker	Shares held before	Value then
VANECK ETF TRUST SMH	SMH	690	$155.2k690 shares
FIDELITY COVINGTON TRUST FHLC	FHLC	1,075	$75.0k1.1k shares
FIDELITY COVINGTON TRUST FNCL	FNCL	1,100	$65.3k1.1k shares
VANECK ETF TRUST MOAT	MOAT	700	$62.9k700 shares
WISDOMTREE TR WTAI	WTAI	2,785	$57.8k2.8k shares
FIDELITY COVINGTON TRUST FUTY	FUTY	1,250	$53.0k1.2k shares
ISHARES TR MUB	MUB	256	$27.5k256 shares
ISHARES TR HEFA	HEFA	727	$25.4k727 shares
FIDELITY COVINGTON TRUST FIDU	FIDU	365	$24.8k365 shares
FIDELITY COVINGTON TRUST FDIS	FDIS	250	$20.6k250 shares
FIDELITY COVINGTON TRUST FTEC	FTEC	100	$15.6k100 shares
FIDELITY COVINGTON TRUST FSTA	FSTA	200	$9.5k200 shares
J P MORGAN EXCHANGE TRADED F JMEE	JMEE	161	$9.4k161 shares
ISHARES TR ACWX	ACWX	166	$8.8k166 shares
VANGUARD INDEX FDS VNQ	VNQ	59	$5.1k59 shares
VANGUARD INTL EQUITY INDEX F VNQI	VNQI	107	$4.5k107 shares