SYM FINANCIAL Corp

WINONA LAKE, IN · CIK 764739 · 13F filing filed 2025-08-01

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

$893.5m reported value +10.1% vs Q1 2025

420positions

72.6%in top 10

100 new 157 added 105 reduced 32 sold out vs Q1 2025

Holdings, Q2 2025

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	6,614,559	$228.7m25.59%	25.59%	Reduced -56.6k	-56,639 -0.8%
2	WISDOMTREE TR INTERNATIONL EFI NTSI	NTSI	2,388,724	$97.9m10.96%	10.96%	Added +6.6k	+6,566 0.3%
3	VANGUARD INDEX FDS MCAP VL IDXVIP VOE	VOE	528,419	$86.9m9.73%	9.73%	Added +8.6k	+8,640 1.7%
4	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	258,733	$78.6m8.80%	8.80%	Added +3.8k	+3,785 1.5%
5	ISHARES TR US TREAS BD ETF GOVT	GOVT	3,285,678	$75.5m8.45%	8.45%	Added +24.4k	+24,428 0.8%
6	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	1,021,775	$24.3m2.73%	2.73%	Added +19.2k	+19,221 1.9%
7	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	244,295	$16.9m1.89%	1.89%	Added +40.3k	+40,290 19.8%
8	DOW INC COM DOW	DOW	548,893	$14.5m1.63%	1.63%	Added +30.1k	+30,085 5.8%
9	NVIDIA CORPORATION COM NVDA	NVDA	84,949	$13.4m1.50%	1.50%	Added +3.8k	+3,757 4.6%
10	VANGUARD ADMIRAL FDS INC SMLCP 600 VAL VIOV	VIOV	136,238	$11.7m1.30%	1.30%	Added +709	+709 0.5%
11	MICROSOFT CORP COM MSFT	MSFT	22,936	$11.4m1.28%	1.28%	Added +1.8k	+1,751 8.3%
12	APPLE INC COM AAPL	AAPL	53,728	$11.0m1.23%	1.23%	Added +3.4k	+3,427 6.8%
13	ISHARES TR CORE MSCI EAFE IEFA	IEFA	110,892	$9.3m1.04%	1.04%	Unchanged
14	VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF VT	VT	60,216	$7.7m0.87%	0.87%	Added +1.0k	+1,027 1.7%
15	AMAZON COM INC COM AMZN	AMZN	30,775	$6.8m0.76%	0.76%	Reduced -2.1k	-2,073 -6.3%
16	META PLATFORMS INC CL A META	META	7,402	$5.5m0.61%	0.61%	Added +9	+9 0.1%
17	ELI LILLY & CO COM LLY	LLY	6,156	$4.8m0.54%	0.54%	Added +214	+214 3.6%
18	ISHARES INC MSCI GBL MIN VOL ACWV	ACWV	39,810	$4.7m0.53%	0.53%	Added +717	+717 1.8%
19	DIMENSIONAL ETF TRUST US CORE EQT MKT DFAU	DFAU	110,687	$4.7m0.52%	0.52%	Added +2.5k	+2,476 2.3%
20	BROADCOM INC COM AVGO	AVGO	16,656	$4.6m0.51%	0.51%	Added +164	+164 1.0%
21	SCHWAB STRATEGIC TR INT-TRM U.S TRES SCHR	SCHR	163,660	$4.1m0.46%	0.46%	Added +36.1k	+36,074 28.3%
22	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	64,552	$3.7m0.41%	0.41%	Added +2.8k	+2,803 4.5%
23	SPDR INDEX SHS FDS MSCI WRLD STRGIC QWLD	QWLD	23,600	$3.2m0.36%	0.36%	Reduced -229	-229 -1.0%
24	JPMORGAN CHASE & CO COM JPM	JPM	10,108	$2.9m0.33%	0.33%	Added +3.9k	+3,884 62.4%
25	MASTERCARD INCORPORATED CL A MA	MA	4,671	$2.6m0.29%	0.29%	Added +210	+210 4.7%
26	WALMART INC COM WMT	WMT	26,113	$2.6m0.29%	0.29%	Added +3.0k	+2,951 12.7%
27	ISHARES TR CORE US AGGBD ET AGG	AGG	23,943	$2.4m0.27%	0.27%	Reduced -109.2k	-109,205 -82.0%
28	SPDR INDEX SHS FDS PORTFOLIO DEVLPD SPDW	SPDW	56,802	$2.3m0.26%	0.26%	New
29	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	3,227	$2.0m0.22%	0.22%	Added +686	+686 27.0%
30	COSTCO WHSL CORP NEW COM COST	COST	1,951	$1.9m0.22%	0.22%	Added +156	+156 8.7%
31	J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF JPIB	JPIB	37,922	$1.8m0.21%	0.21%	Added +4.1k	+4,136 12.2%
32	GE AEROSPACE COM NEW GE	GE	7,084	$1.8m0.20%	0.20%	Added +620	+620 9.6%
33	ALPHABET INC CAP STK CL A GOOGL	GOOGL	10,302	$1.8m0.20%	0.20%	Added +834	+834 8.8%
34	ISHARES TR MSCI ACWI ETF ACWI	ACWI	13,552	$1.7m0.20%	0.20%	Reduced -1.6k	-1,555 -10.3%
35	ISHARES TR ESG AWR MSCI USA ESGU	ESGU	12,785	$1.7m0.19%	0.19%	Unchanged
36	ABBVIE INC COM ABBV	ABBV	7,750	$1.4m0.16%	0.16%	Added +1.5k	+1,479 23.6%
37	ORACLE CORP COM ORCL	ORCL	6,574	$1.4m0.16%	0.16%	Added +2.7k	+2,690 69.3%
38	INTUIT COM INTU	INTU	1,781	$1.4m0.16%	0.16%	Reduced -22	-22 -1.2%
39	SERVICENOW INC COM NOW	NOW	1,350	$1.4m0.16%	0.16%	Reduced -159	-159 -10.5%
40	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	2,820	$1.4m0.15%	0.15%	Added +206	+206 7.9%
41	JOHNSON & JOHNSON COM JNJ	JNJ	8,612	$1.3m0.15%	0.15%	Reduced -947	-947 -9.9%
42	TESLA INC COM TSLA	TSLA	4,104	$1.3m0.15%	0.15%	Added +1.2k	+1,213 42.0%
43	VANGUARD WORLD FD INF TECH ETF VGT	VGT	1,951	$1.3m0.14%	0.14%	Unchanged
44	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	47,268	$1.3m0.14%	0.14%	Unchanged
45	INTUITIVE SURGICAL INC COM NEW ISRG	ISRG	2,288	$1.2m0.14%	0.14%	Added +27	+27 1.2%
46	PIMCO ETF TR ENHAN SHRT MA AC MINT	MINT	12,327	$1.2m0.14%	0.14%	Added +2.9k	+2,943 31.4%
47	LAKELAND FINL CORP COM LKFN	LKFN	19,796	$1.2m0.14%	0.14%	Added +148	+148 0.8%
48	PIMCO ETF TR INV GRD CRP BD CORP	CORP	12,343	$1.2m0.13%	0.13%	New
49	NORFOLK SOUTHN CORP COM NSC	NSC	4,575	$1.2m0.13%	0.13%	Added +500	+500 12.3%
50	ISHARES TR RUS MDCP VAL ETF IWS	IWS	8,803	$1.2m0.13%	0.13%	Added +7.1k	+7,140 429.3%
51	BOOKING HOLDINGS INC COM BKNG	BKNG	199	$1.2m0.13%	0.13%	Added +13	+13 7.0%
52	VISA INC COM CL A V	V	3,166	$1.1m0.13%	0.13%	Added +638	+638 25.2%
53	TARGA RES CORP COM TRGP	TRGP	6,216	$1.1m0.12%	0.12%	Reduced -54	-54 -0.9%
54	AGILENT TECHNOLOGIES INC COM A	A	9,146	$1.1m0.12%	0.12%	Added +4.1k	+4,143 82.8%
55	EXXON MOBIL CORP COM XOM	XOM	9,955	$1.1m0.12%	0.12%	Reduced -473	-473 -4.5%
56	ABBOTT LABS COM ABT	ABT	7,879	$1.1m0.12%	0.12%	Added +354	+354 4.7%
57	CHIPOTLE MEXICAN GRILL INC COM CMG	CMG	18,780	$1.1m0.12%	0.12%	Reduced -2.0k	-1,997 -9.6%
58	UNITEDHEALTH GROUP INC COM UNH	UNH	3,315	$1.0m0.12%	0.12%	Added +157	+157 5.0%
59	VEEVA SYS INC CL A COM VEEV	VEEV	3,513	$1.0m0.11%	0.11%	Added +517	+517 17.3%
60	PEPSICO INC COM PEP	PEP	7,650	$1.0m0.11%	0.11%	Added +3.8k	+3,762 96.8%
61	IDEXX LABS INC COM IDXX	IDXX	1,844	$989.0k0.11%	0.11%	Reduced -36	-36 -1.9%
62	SALESFORCE INC COM CRM	CRM	3,591	$979.2k0.11%	0.11%	Reduced -1.1k	-1,058 -22.8%
63	NETFLIX INC COM NFLX	NFLX	679	$909.3k0.10%	0.10%	Added +14	+14 2.1%
64	DATADOG INC CL A COM DDOG	DDOG	6,766	$908.9k0.10%	0.10%	Added +800	+800 13.4%
65	AMPHENOL CORP CL A APH	APH	9,184	$906.9k0.10%	0.10%	Added +1.5k	+1,519 19.8%
66	UBER TECHNOLOGIES INC COM UBER	UBER	9,622	$897.7k0.10%	0.10%	Reduced -751	-751 -7.2%
67	LAM RESEARCH CORP COM NEW LRCX	LRCX	9,103	$886.1k0.10%	0.10%	Reduced -2.6k	-2,563 -22.0%
68	JABIL INC COM JBL	JBL	4,056	$884.6k0.10%	0.10%	Reduced -9	-9 -0.2%
69	GE VERNOVA INC COM GEV	GEV	1,669	$883.2k0.10%	0.10%	Added +57	+57 3.5%
70	RPM INTL INC COM RPM	RPM	7,846	$861.8k0.10%	0.10%	Added +11	+11 0.1%
71	OREILLY AUTOMOTIVE INC COM ORLY	ORLY	9,180	$827.4k0.09%	0.09%	Reduced -1.2k	-1,170 -11.3%
72	ROBLOX CORP CL A RBLX	RBLX	7,793	$819.8k0.09%	0.09%	Reduced -118	-118 -1.5%
73	MONSTER BEVERAGE CORP NEW COM MNST	MNST	12,699	$795.5k0.09%	0.09%	Added +6.0k	+6,015 90.0%
74	HOME DEPOT INC COM HD	HD	2,160	$792.0k0.09%	0.09%	Added +168	+168 8.4%
75	SPDR INDEX SHS FDS PORTFOLIO EMG MK SPEM	SPEM	18,152	$775.8k0.09%	0.09%	New
76	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	2,625	$773.8k0.09%	0.09%	Added +130	+130 5.2%
77	CISCO SYS INC COM CSCO	CSCO	11,062	$767.5k0.09%	0.09%	Added +268	+268 2.5%
78	AMGEN INC COM AMGN	AMGN	2,729	$762.0k0.09%	0.09%	Added +636	+636 30.4%
79	MEDTRONIC PLC SHS MDT	MDT	8,705	$758.8k0.08%	0.08%	Reduced -2.4k	-2,367 -21.4%
80	TAPESTRY INC COM TPR	TPR	8,612	$756.2k0.08%	0.08%	Added +454	+454 5.6%
81	AT&T INC COM T	T	26,066	$754.3k0.08%	0.08%	Added +926	+926 3.7%
82	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	1,323	$751.4k0.08%	0.08%	Reduced -467	-467 -26.1%
83	ADOBE INC COM ADBE	ADBE	1,902	$735.8k0.08%	0.08%	Added +532	+532 38.8%
84	VANGUARD SPECIALIZED FUNDS DIV APP ETF VIG	VIG	3,498	$715.9k0.08%	0.08%	Reduced -60	-60 -1.7%
85	ISHARES INC CORE MSCI EMKT IEMG	IEMG	11,870	$712.6k0.08%	0.08%	Added +1.4k	+1,441 13.8%
86	PROCTER AND GAMBLE CO COM PG	PG	4,445	$708.2k0.08%	0.08%	Added +2.1k	+2,116 90.8%
87	SNOWFLAKE INC CL A SNOW	SNOW	3,158	$706.7k0.08%	0.08%	Added +365	+365 13.1%
88	LINDE PLC SHS LIN	LIN	1,495	$701.4k0.08%	0.08%	Added +70	+70 4.9%
89	CME GROUP INC COM CME	CME	2,498	$688.5k0.08%	0.08%	Added +33	+33 1.3%
90	ALPHABET INC CAP STK CL C GOOG	GOOG	3,872	$686.8k0.08%	0.08%	Added +1.8k	+1,847 91.2%
91	TRANSUNION COM TRU	TRU	7,650	$673.2k0.08%	0.08%	Reduced -1.0k	-1,001 -11.6%
92	ISHARES TR CORE S&P500 ETF IVV	IVV	1,080	$670.6k0.08%	0.08%	New
93	CARLYLE GROUP INC COM CG	CG	12,985	$667.4k0.07%	0.07%	Reduced -2.0k	-2,021 -13.5%
94	SCHWAB STRATEGIC TR US LCAP GR ETF SCHG	SCHG	22,556	$658.9k0.07%	0.07%	Unchanged
95	SELECT SECTOR SPDR TR ENERGY XLE	XLE	7,740	$656.4k0.07%	0.07%	Added +7	+7 0.1%
96	CITIGROUP INC COM NEW C	C	7,710	$656.3k0.07%	0.07%	Reduced -531	-531 -6.4%
97	ALTRIA GROUP INC COM MO	MO	11,068	$648.9k0.07%	0.07%	Added +1.7k	+1,701 18.2%
98	MERCK & CO INC COM MRK	MRK	8,097	$640.9k0.07%	0.07%	Added +2.6k	+2,630 48.1%
99	FORTINET INC COM FTNT	FTNT	6,003	$634.6k0.07%	0.07%	Added +193	+193 3.3%
100	VERISIGN INC COM VRSN	VRSN	2,177	$628.7k0.07%	0.07%	Added +300	+300 16.0%

Sold out since Q1 2025

Security	Ticker	Shares held before	Value then
VANGUARD SCOTTSDALE FDS VCSH	VCSH	7,668	$605.3k7.7k shares
DEERE & CO DE	DE	781	$366.6k781 shares
TOTALENERGIES SE		4,872	$315.2k4.9k shares
DANAHER CORPORATION DHR	DHR	1,519	$311.4k1.5k shares
PACKAGING CORP AMER PKG	PKG	1,527	$302.4k1.5k shares
MARATHON PETE CORP MPC	MPC	2,023	$294.7k2.0k shares
DOCUSIGN INC DOCU	DOCU	3,476	$282.9k3.5k shares
HUMANA INC HUM	HUM	1,038	$274.7k1.0k shares
FIRST TR SPECIALTY FIN & FIN		59,171	$254.4k59.2k shares
GLOBAL PMTS INC GPN	GPN	2,580	$252.6k2.6k shares
MARVELL TECHNOLOGY INC MRVL	MRVL	4,069	$250.5k4.1k shares
CRH PLC CRH	CRH	2,803	$246.6k2.8k shares
BIOMARIN PHARMACEUTICAL INC BMRN	BMRN	3,466	$245.0k3.5k shares
SANOFI SNY	SNY	4,372	$242.5k4.4k shares
APTIV PLC APTV	APTV	3,967	$236.0k4.0k shares
QUIDELORTHO CORP QDEL	QDEL	6,719	$235.0k6.7k shares
BAKER HUGHES COMPANY BKR	BKR	5,342	$234.8k5.3k shares
FMC CORP FMC	FMC	5,417	$228.5k5.4k shares
ELEVANCE HEALTH INC ELV	ELV	493	$214.4k493 shares
UNION PAC CORP UNP	UNP	885	$209.2k885 shares
MPLX LP MPLX	MPLX	3,825	$204.7k3.8k shares
EOG RES INC EOG	EOG	1,575	$202.0k1.6k shares
CARNIVAL CORP		10,082	$196.9k10.1k shares
VANGUARD SCOTTSDALE FDS VGIT	VGIT	1,720	$102.2k1.7k shares
ISHARES TR TLT	TLT	800	$72.8k800 shares