SYM FINANCIAL Corp

WINONA LAKE, IN · CIK 764739 · 13F filing filed 2026-05-08

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

$1.0bn reported value +2.8% vs Q4 2025

414positions

73.3%in top 10

56 new 176 added 108 reduced 56 sold out vs Q4 2025

Options: 1 call positions ($28.8k notional), 0 put positions (— notional) – listed below, not included above.

Holdings, Q1 2026

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	6,518,468	$254.0m25.37%	25.37%	Reduced -90.1k	-90,064 -1.4%
2	WISDOMTREE TR INTERNATIONL EFI NTSI	NTSI	2,441,302	$107.4m10.74%	10.74%	Added +5.2k	+5,208 0.2%
3	VANGUARD INDEX FDS MCAP VL IDXVIP VOE	VOE	567,194	$104.5m10.44%	10.44%	Added +8.1k	+8,074 1.4%
4	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	276,653	$88.8m8.87%	8.87%	Added +21.0k	+21,029 8.2%
5	ISHARES TR US TREAS BD ETF GOVT	GOVT	3,723,338	$85.3m8.52%	8.52%	Added +169.5k	+169,547 4.8%
6	SCHWAB STRATEGIC TR US BRD MKT ETF SCHB	SCHB	1,192,008	$29.9m2.99%	2.99%	Reduced -221	-221 -0.0%
7	DOW INC COM DOW	DOW	551,771	$23.0m2.30%	2.30%	Added +3.2k	+3,222 0.6%
8	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	207,396	$16.0m1.60%	1.60%	Unchanged
9	APPLE INC COM AAPL	AAPL	51,834	$13.2m1.31%	1.31%	Added +2.3k	+2,251 4.5%
10	VANGUARD ADMIRAL FDS INC SMLCP 600 VAL VIOV	VIOV	116,656	$11.9m1.19%	1.19%	Reduced -3.8k	-3,784 -3.1%
11	NVIDIA CORPORATION COM NVDA	NVDA	64,995	$11.3m1.13%	1.13%	Added +1.2k	+1,224 1.9%
12	ISHARES TR CORE MSCI EAFE IEFA	IEFA	108,241	$9.8m0.98%	0.98%	Unchanged
13	VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF VT	VT	64,645	$8.9m0.89%	0.89%	Added +1.9k	+1,912 3.0%
14	MICROSOFT CORP COM MSFT	MSFT	21,370	$7.9m0.79%	0.79%	Added +1.4k	+1,374 6.9%
15	ELI LILLY & CO COM LLY	LLY	7,380	$6.8m0.68%	0.68%	Added +829	+829 12.7%
16	ISHARES INC MSCI GBL MIN VOL ACWV	ACWV	48,238	$5.8m0.58%	0.58%	Added +3.0k	+3,031 6.7%
17	VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT VEA	VEA	87,752	$5.6m0.56%	0.56%	Reduced -2.4k	-2,414 -2.7%
18	DIMENSIONAL ETF TRUST US CORE EQT MKT DFAU	DFAU	123,478	$5.6m0.56%	0.56%	Added +5.1k	+5,109 4.3%
19	AMAZON COM INC COM AMZN	AMZN	26,721	$5.6m0.56%	0.56%	Added +1.2k	+1,152 4.5%
20	ALPHABET INC CAP STK CL A GOOGL	GOOGL	18,062	$5.2m0.52%	0.52%	Added +119	+119 0.7%
21	SPDR INDEX SHS FDS PORTFOLIO DEVLPD SPDW	SPDW	112,579	$5.1m0.51%	0.51%	Added +10.7k	+10,690 10.5%
22	BROADCOM INC COM AVGO	AVGO	14,418	$4.5m0.45%	0.45%	Added +467	+467 3.4%
23	SCHWAB STRATEGIC TR INT-TRM U.S TRES SCHR	SCHR	173,051	$4.3m0.43%	0.43%	Added +19.1k	+19,144 12.4%
24	LAKELAND FINL CORP COM LKFN	LKFN	65,175	$3.7m0.37%	0.37%	Added +45.9k	+45,863 237.5%
25	SPDR INDEX SHS FDS MSCI WRLD STRGIC QWLD	QWLD	23,465	$3.4m0.34%	0.34%	Reduced -116	-116 -0.5%
26	WALMART INC COM WMT	WMT	26,148	$3.2m0.32%	0.32%	Reduced -214	-214 -0.8%
27	JPMORGAN CHASE & CO COM JPM	JPM	11,029	$3.2m0.32%	0.32%	Reduced -91	-91 -0.8%
28	ISHARES TR CORE US AGGBD ET AGG	AGG	32,347	$3.2m0.32%	0.32%	Added +3.8k	+3,774 13.2%
29	META PLATFORMS INC CL A META	META	5,369	$3.1m0.31%	0.31%	Reduced -6	-6 -0.1%
30	J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF JPIB	JPIB	49,434	$2.4m0.24%	0.24%	Added +5.7k	+5,703 13.0%
31	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	3,397	$2.2m0.22%	0.22%	Added +8	+8 0.2%
32	JOHNSON & JOHNSON COM JNJ	JNJ	8,803	$2.2m0.22%	0.22%	Added +192	+192 2.2%
33	EXXON MOBIL CORP COM XOM	XOM	12,365	$2.1m0.21%	0.21%	Added +949	+949 8.3%
34	ISHARES TR ESG AWR MSCI USA ESGU	ESGU	14,726	$2.1m0.21%	0.21%	Reduced -282	-282 -1.9%
35	MASTERCARD INCORPORATED CL A MA	MA	4,093	$2.0m0.20%	0.20%	Added +130	+130 3.3%
36	PIMCO ETF TR ENHAN SHRT MA AC MINT	MINT	19,746	$2.0m0.20%	0.20%	Added +2.6k	+2,610 15.2%
37	GE AEROSPACE COM NEW GE	GE	6,861	$1.9m0.19%	0.19%	Added +150	+150 2.2%
38	TESLA INC COM TSLA	TSLA	4,797	$1.8m0.18%	0.18%	Added +207	+207 4.5%
39	ISHARES TR MSCI ACWI ETF ACWI	ACWI	12,725	$1.8m0.18%	0.18%	Reduced -24	-24 -0.2%
40	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	3,530	$1.7m0.17%	0.17%	Added +259	+259 7.9%
41	COSTCO WHSL CORP NEW COM COST	COST	1,637	$1.6m0.16%	0.16%	Added +588	+588 56.0%
42	SPDR GOLD TR GOLD SHS GLD	GLD	3,740	$1.6m0.16%	0.16%	Reduced -35	-35 -0.9%
43	SPDR INDEX SHS FDS PORTFOLIO EMG MK SPEM	SPEM	33,283	$1.6m0.16%	0.16%	Added +3.0k	+3,038 10.0%
44	TARGA RES CORP COM TRGP	TRGP	6,118	$1.5m0.15%	0.15%	Added +3	+3 0.1%
45	CISCO SYS INC COM CSCO	CSCO	19,532	$1.5m0.15%	0.15%	Added +339	+339 1.8%
46	GE VERNOVA INC COM GEV	GEV	1,664	$1.5m0.15%	0.15%	Added +2	+2 0.1%
47	ALPHABET INC CAP STK CL C GOOG	GOOG	5,012	$1.4m0.14%	0.14%	Added +515	+515 11.4%
48	AMPHENOL CORP CL A APH	APH	10,918	$1.4m0.14%	0.14%	Added +1.5k	+1,507 16.0%
49	MICRON TECHNOLOGY INC COM MU	MU	4,018	$1.4m0.14%	0.14%	Added +256	+256 6.8%
50	NORFOLK SOUTHN CORP COM NSC	NSC	4,580	$1.3m0.13%	0.13%	Unchanged
51	ISHARES INC MSCI WORLD ETF URTH	URTH	7,069	$1.3m0.13%	0.13%	Added +5.3k	+5,259 290.6%
52	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	40,294	$1.2m0.12%	0.12%	Reduced -2.9k	-2,884 -6.7%
53	PEPSICO INC COM PEP	PEP	7,857	$1.2m0.12%	0.12%	Reduced -139	-139 -1.7%
54	COMFORT SYS USA INC COM FIX	FIX	879	$1.2m0.12%	0.12%	Reduced -89	-89 -9.2%
55	CHUBB LIMITED COM CB	CB	3,415	$1.1m0.11%	0.11%	Added +216	+216 6.8%
56	LAM RESEARCH CORP COM NEW LRCX	LRCX	5,073	$1.1m0.11%	0.11%	Added +70	+70 1.4%
57	JABIL INC COM JBL	JBL	3,942	$1.0m0.10%	0.10%	Unchanged
58	VISA INC COM CL A V	V	3,394	$1.0m0.10%	0.10%	Added +392	+392 13.1%
59	APPLIED MATLS INC COM AMAT	AMAT	2,964	$1.0m0.10%	0.10%	Added +267	+267 9.9%
60	MERCK & CO INC COM MRK	MRK	8,336	$1.0m0.10%	0.10%	Added +39	+39 0.5%
61	VANGUARD WORLD FD INF TECH ETF VGT	VGT	1,437	$1.0m0.10%	0.10%	Reduced -73	-73 -4.8%
62	KLA CORP COM NEW KLAC	KLAC	646	$951.0k0.10%	0.10%	Added +36	+36 5.9%
63	MPLX LP COM UNIT REP LTD MPLX	MPLX	16,609	$947.9k0.09%	0.09%	Added +12.8k	+12,784 334.2%
64	EDISON INTL COM EIX	EIX	12,418	$908.7k0.09%	0.09%	Added +956	+956 8.3%
65	WESTERN DIGITAL CORP COM WDC	WDC	3,285	$888.6k0.09%	0.09%	Reduced -514	-514 -13.5%
66	CUMMINS INC COM CMI	CMI	1,633	$878.6k0.09%	0.09%	Added +18	+18 1.1%
67	CHEVRON CORP NEW COM CVX	CVX	4,178	$864.4k0.09%	0.09%	Added +274	+274 7.0%
68	NETFLIX INC COM NFLX	NFLX	8,913	$857.0k0.09%	0.09%	Added +2.2k	+2,238 33.5%
69	BRISTOL-MYERS SQUIBB CO COM BMY	BMY	14,029	$850.9k0.09%	0.09%	Added +1.9k	+1,900 15.7%
70	ABBVIE INC COM ABBV	ABBV	3,845	$836.4k0.08%	0.08%	Added +100	+100 2.7%
71	SELECT SECTOR SPDR TR ENERGY XLE	XLE	13,458	$824.4k0.08%	0.08%	Reduced -112	-112 -0.8%
72	BOOKING HOLDINGS INC COM BKNG	BKNG	195	$821.0k0.08%	0.08%	Reduced -6	-6 -3.0%
73	SERVICENOW INC COM NOW	NOW	7,793	$814.8k0.08%	0.08%	Added +1.6k	+1,599 25.8%
74	ORACLE CORP COM ORCL	ORCL	5,534	$814.0k0.08%	0.08%	Reduced -2.2k	-2,217 -28.6%
75	GENERAL MTRS CO COM GM	GM	10,888	$811.2k0.08%	0.08%	Added +152	+152 1.4%
76	FEDEX CORP COM FDX	FDX	2,178	$775.9k0.08%	0.08%	Added +35	+35 1.6%
77	PROCTER AND GAMBLE CO COM PG	PG	5,362	$774.5k0.08%	0.08%	Added +2.1k	+2,131 66.0%
78	PG&E CORP COM PCG	PCG	44,075	$774.4k0.08%	0.08%	Reduced -4.2k	-4,176 -8.7%
79	CATERPILLAR INC COM CAT	CAT	1,075	$761.4k0.08%	0.08%	Added +28	+28 2.7%
80	HUNT J B TRANS SVCS INC COM JBHT	JBHT	3,576	$757.8k0.08%	0.08%	Added +26	+26 0.7%
81	UNITEDHEALTH GROUP INC COM UNH	UNH	2,783	$753.2k0.08%	0.08%	Added +89	+89 3.3%
82	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	3,017	$731.3k0.07%	0.07%	Added +361	+361 13.6%
83	INTEL CORP COM INTC	INTC	16,379	$722.8k0.07%	0.07%	Reduced -2.8k	-2,753 -14.4%
84	XCEL ENERGY INC COM XEL	XEL	9,024	$716.9k0.07%	0.07%	Added +148	+148 1.7%
85	PNC FINL SVCS GROUP INC COM PNC	PNC	3,330	$692.9k0.07%	0.07%	Added +134	+134 4.2%
86	HOME DEPOT INC COM HD	HD	2,085	$685.8k0.07%	0.07%	Added +18	+18 0.9%
87	ADVANCED MICRO DEVICES INC COM AMD	AMD	3,350	$681.5k0.07%	0.07%	Reduced -27	-27 -0.8%
88	COCA COLA CO COM KO	KO	8,949	$680.6k0.07%	0.07%	Added +831	+831 10.2%
89	PALANTIR TECHNOLOGIES INC CL A PLTR	PLTR	4,627	$676.8k0.07%	0.07%	Added +499	+499 12.1%
90	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	1,131	$675.8k0.07%	0.07%	Reduced -32	-32 -2.8%
91	AT&T INC COM T	T	23,247	$673.9k0.07%	0.07%	Added +2.2k	+2,153 10.2%
92	MCDONALDS CORP COM MCD	MCD	2,165	$672.7k0.07%	0.07%	Added +205	+205 10.5%
93	ASML HOLDING N V N Y REGISTRY SHS ASML	ASML	504	$665.7k0.07%	0.07%	Added +18	+18 3.7%
94	DIMENSIONAL ETF TRUST US CORE EQUITY 2 DFAC	DFAC	17,095	$664.3k0.07%	0.07%	Added +1.6k	+1,647 10.7%
95	CITIGROUP INC COM NEW C	C	5,856	$664.1k0.07%	0.07%	Added +47	+47 0.8%
96	LINDE PLC SHS LIN	LIN	1,307	$648.0k0.06%	0.06%	Added +435	+435 49.9%
97	SCHWAB STRATEGIC TR US LCAP GR ETF SCHG	SCHG	22,124	$644.5k0.06%	0.06%	Unchanged
98	AGILENT TECHNOLOGIES INC COM A	A	5,637	$642.5k0.06%	0.06%	Reduced -186	-186 -3.2%
99	SNOWFLAKE INC CL A SNOW	SNOW	4,252	$641.3k0.06%	0.06%	Reduced -24	-24 -0.6%
100	ADOBE INC COM ADBE	ADBE	2,584	$628.1k0.06%	0.06%	Added +671	+671 35.1%

Sold out since Q4 2025

Security	Ticker	Shares held before	Value then
ATLASSIAN CORPORATION TEAM	TEAM	4,840	$784.8k4.8k shares
ROBINHOOD MKTS INC HOOD	HOOD	3,518	$397.9k3.5k shares
TELEFLEX INCORPORATED TFX	TFX	2,794	$341.0k2.8k shares
PAYPAL HLDGS INC PYPL	PYPL	5,743	$335.3k5.7k shares
LAS VEGAS SANDS CORP LVS	LVS	5,057	$329.2k5.1k shares
AMERICAN TOWER CORP NEW AMT	AMT	1,713	$300.8k1.7k shares
ALNYLAM PHARMACEUTICALS INC ALNY	ALNY	729	$289.9k729 shares
TYLER TECHNOLOGIES INC TYL	TYL	635	$288.3k635 shares
DOORDASH INC DASH	DASH	1,257	$284.7k1.3k shares
AUTODESK INC ADSK	ADSK	948	$280.6k948 shares
BEST BUY INC BBY	BBY	4,192	$280.6k4.2k shares
ZSCALER INC ZS	ZS	1,244	$279.8k1.2k shares
DRAFTKINGS INC NEW DKNG	DKNG	7,903	$272.3k7.9k shares
SAP SE SAP	SAP	1,103	$267.9k1.1k shares
UNITED THERAPEUTICS CORP DEL UTHR	UTHR	526	$256.3k526 shares
ELEVANCE HEALTH INC ELV	ELV	725	$254.1k725 shares
AXALTA COATING SYS LTD AXTA	AXTA	7,760	$250.7k7.8k shares
CINTAS CORP CTAS	CTAS	1,295	$243.6k1.3k shares
ETSY INC ETSY	ETSY	4,386	$243.2k4.4k shares
LOWES COS INC LOW	LOW	995	$240.0k995 shares
UNILEVER PLC UL	UL	3,606	$235.8k3.6k shares
MEDPACE HLDGS INC MEDP	MEDP	412	$231.4k412 shares
AMERIPRISE FINL INC AMP	AMP	467	$229.0k467 shares
WASTE MGMT INC DEL WM	WM	1,031	$226.5k1.0k shares
HAEMONETICS CORP MASS HAE	HAE	2,658	$213.0k2.7k shares

Options (notional value)

Underlying	Ticker	Type	Shares controlled	Notional	Change
ALPHABET INC GOOGL · Call	GOOGL	Call	100	$28.8k100 shares	Unchanged