<SEC-DOCUMENT>0001609008-23-000004.txt : 20231114 <SEC-HEADER>0001609008-23-000004.hdr.sgml : 20231114 <ACCEPTANCE-DATETIME>20231114160656 ACCESSION NUMBER: 0001609008-23-000004 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230930 FILED AS OF DATE: 20231114 DATE AS OF CHANGE: 20231114 EFFECTIVENESS DATE: 20231114 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SMI Advisory Services, LLC CENTRAL INDEX KEY: 0001609008 IRS NUMBER: 352130742 STATE OF INCORPORATION: IN FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-21187 FILM NUMBER: 231406053 BUSINESS ADDRESS: STREET 1: P.O. BOX 547 CITY: COLUMBUS STATE: IN ZIP: 47202 BUSINESS PHONE: 800-910-3651 MAIL ADDRESS: STREET 1: P.O. BOX 547 CITY: COLUMBUS STATE: IN ZIP: 47202 </SEC-HEADER> <DOCUMENT> <TYPE>13F-HR <SEQUENCE>1 <FILENAME>primary_doc.xml <TEXT> <XML> <?xml version="1.0" encoding="UTF-8"?> <edgarSubmission xmlns="http://www.sec.gov/edgar/thirteenffiler" xmlns:com="http://www.sec.gov/edgar/common"> <schemaVersion>X0202</schemaVersion> <headerData> <submissionType>13F-HR</submissionType> <filerInfo> <liveTestFlag>LIVE</liveTestFlag> <flags> <confirmingCopyFlag>false</confirmingCopyFlag> <returnCopyFlag>true</returnCopyFlag> <overrideInternetFlag>false</overrideInternetFlag> </flags> <filer> <credentials> <cik>0001609008</cik> <ccc>XXXXXXXX</ccc> </credentials> </filer> <periodOfReport>09-30-2023</periodOfReport> </filerInfo> </headerData> <formData> <coverPage> <reportCalendarOrQuarter>09-30-2023</reportCalendarOrQuarter> <filingManager> <name>SMI Advisory Services, LLC</name> <address> <com:street1>P.O. BOX 547</com:street1> <com:city>COLUMBUS</com:city> <com:stateOrCountry>IN</com:stateOrCountry> <com:zipCode>47202</com:zipCode> </address> </filingManager> <reportType>13F HOLDINGS REPORT</reportType> <form13FFileNumber>028-21187</form13FFileNumber> <provideInfoForInstruction5>N</provideInfoForInstruction5> </coverPage> <signatureBlock> <name>Fred Beerwart</name> <title>CCO</title> <phone>8126032077</phone> <signature>Fred Beerwart</signature> <city>Columbus</city> <stateOrCountry>IN</stateOrCountry> <signatureDate>11-14-2023</signatureDate> </signatureBlock> <summaryPage> <otherIncludedManagersCount>0</otherIncludedManagersCount> <tableEntryTotal>43</tableEntryTotal> <tableValueTotal>273913456</tableValueTotal> <isConfidentialOmitted>false</isConfidentialOmitted> </summaryPage> </formData> </edgarSubmission> </XML> </TEXT> </DOCUMENT> <DOCUMENT> <TYPE>INFORMATION TABLE <SEQUENCE>2 <FILENAME>smiadvisory13f09302023.xml <TEXT> <XML> <?xml version="1.0" encoding="UTF-8" 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<ns1:shrsOrPrnAmt> <ns1:sshPrnamt>4345</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>4345</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</ns1:nameOfIssuer> <ns1:titleOfClass>BULSHS 2024 CB</ns1:titleOfClass> <ns1:cusip>46138J841</ns1:cusip> <ns1:value>1149003</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>55307</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>55307</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</ns1:nameOfIssuer> <ns1:titleOfClass>BULSHS 2023 CB</ns1:titleOfClass> <ns1:cusip>46138J866</ns1:cusip> <ns1:value>1070115</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>50311</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>50311</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO EXCH TRADED FD TR II</ns1:nameOfIssuer> <ns1:titleOfClass>SHORT TERM TREAS</ns1:titleOfClass> <ns1:cusip>46138G888</ns1:cusip> <ns1:value>1034528</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>9786</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>9786</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer> <ns1:titleOfClass>LARGE CAP ETF</ns1:titleOfClass> <ns1:cusip>922908637</ns1:cusip> <ns1:value>988347</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>4894</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>4894</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer> <ns1:titleOfClass>S&P 500 ETF SHS</ns1:titleOfClass> <ns1:cusip>922908363</ns1:cusip> <ns1:value>891800</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2203</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>2203</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR SER TR</ns1:nameOfIssuer> <ns1:titleOfClass>PORTFOLIO SH TSR</ns1:titleOfClass> <ns1:cusip>78468R101</ns1:cusip> <ns1:value>869135</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>30294</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>30294</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>RUS 1000 ETF</ns1:titleOfClass> <ns1:cusip>464287622</ns1:cusip> <ns1:value>768571</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>3186</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>3186</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</ns1:nameOfIssuer> <ns1:titleOfClass>BULSHS 2025 CB</ns1:titleOfClass> <ns1:cusip>46138J825</ns1:cusip> <ns1:value>620087</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>30743</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>30743</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD BD INDEX FDS</ns1:nameOfIssuer> <ns1:titleOfClass>TOTAL BND MRKT</ns1:titleOfClass> <ns1:cusip>921937835</ns1:cusip> <ns1:value>611164</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>8771</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>8771</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR SER TR</ns1:nameOfIssuer> <ns1:titleOfClass>PORTFOLIO S&P400</ns1:titleOfClass> <ns1:cusip>78464A847</ns1:cusip> <ns1:value>582579</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>13618</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>13618</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR INDEX SHS FDS</ns1:nameOfIssuer> <ns1:titleOfClass>MSCI ACWI EXUS</ns1:titleOfClass> <ns1:cusip>78463X848</ns1:cusip> <ns1:value>570362</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>22778</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>22778</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>RUS MID CAP ETF</ns1:titleOfClass> <ns1:cusip>464287499</ns1:cusip> <ns1:value>539438</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>7875</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>7875</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SCHWAB STRATEGIC TR</ns1:nameOfIssuer> <ns1:titleOfClass>1000 INDEX ETF</ns1:titleOfClass> <ns1:cusip>808524722</ns1:cusip> <ns1:value>513313</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>12115</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>12115</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR GOLD TR</ns1:nameOfIssuer> <ns1:titleOfClass>GOLD SHS</ns1:titleOfClass> <ns1:cusip>78463V107</ns1:cusip> <ns1:value>479464</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2671</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>2671</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SCHWAB STRATEGIC TR</ns1:nameOfIssuer> <ns1:titleOfClass>US LCAP GR ETF</ns1:titleOfClass> <ns1:cusip>808524300</ns1:cusip> <ns1:value>472379</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>6117</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>6117</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SCHWAB STRATEGIC TR</ns1:nameOfIssuer> <ns1:titleOfClass>US LRG CAP ETF</ns1:titleOfClass> <ns1:cusip>808524201</ns1:cusip> <ns1:value>468701</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>9010</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>9010</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD INTL EQUITY INDEX F</ns1:nameOfIssuer> <ns1:titleOfClass>ALLWRLD EX US</ns1:titleOfClass> <ns1:cusip>922042775</ns1:cusip> <ns1:value>468619</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>9000</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>9000</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR SER TR</ns1:nameOfIssuer> <ns1:titleOfClass>PORTFOLIO S&P500</ns1:titleOfClass> <ns1:cusip>78464A854</ns1:cusip> <ns1:value>466470</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>9000</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>9000</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>PIMCO ETF TR</ns1:nameOfIssuer> <ns1:titleOfClass>1-5 US TIP IDX</ns1:titleOfClass> <ns1:cusip>72201R205</ns1:cusip> <ns1:value>402996</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>8031</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>8031</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>MRGSTR MD CP GRW</ns1:titleOfClass> <ns1:cusip>464288307</ns1:cusip> <ns1:value>296022</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5219</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>5219</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>1 3 YR TREAS BD</ns1:titleOfClass> <ns1:cusip>464287457</ns1:cusip> <ns1:value>240408</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2968</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>2968</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>NVIDIA CORPORATION</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>67066G104</ns1:cusip> <ns1:value>233459</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>483</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>483</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer> <ns1:titleOfClass>GROWTH ETF</ns1:titleOfClass> <ns1:cusip>922908736</ns1:cusip> <ns1:value>232448</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>806</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>806</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>GOLDMAN SACHS ETF TR</ns1:nameOfIssuer> <ns1:titleOfClass>MARKETBETA US EQ</ns1:titleOfClass> <ns1:cusip>381430123</ns1:cusip> <ns1:value>205047</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>3392</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>3392</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD SPECIALIZED FUNDS</ns1:nameOfIssuer> <ns1:titleOfClass>DIV APP ETF</ns1:titleOfClass> <ns1:cusip>921908844</ns1:cusip> <ns1:value>203438</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1279</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>1279</ns1:None> </ns1:votingAuthority> </ns1:infoTable> </ns1:informationTable> </XML> </TEXT> </DOCUMENT> </SEC-DOCUMENT>