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The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P500 ETF 464287200 28,998 86,287 SH   SOLE   0 0 86,287
AMAZON COM INC COM 023135106 749 238 SH   SOLE   0 0 238
MICROSOFT CORP COM 594918104 251 1,195 SH   SOLE   0 0 1,195
AT&T INC COM 00206R102 533 18,682 SH   SOLE   0 0 18,682
PPG INDS INC COM 693506107 1,729 14,164 SH   SOLE   0 0 14,164
VERIZON COMMUNICATIONS INC COM 92343V104 376 6,327 SH   SOLE   0 0 6,327
SPDR SER TR S&P 600 SMCP VAL 78464A300 4,487 89,581 SH   SOLE   0 0 89,581
SPDR SER TR S&P 600 SMCP GRW 78464A201 4,312 73,043 SH   SOLE   0 0 73,043
SPDR SER TR PRTFLO S&P500 GW 78464A409 5,892 117,576 SH   SOLE   0 0 117,576
SPDR SER TR PORTFOLI S&P1500 78464A805 3,206 78,413 SH   SOLE   0 0 78,413
PROCTER AND GAMBLE CO COM 742718109 229 1,645 SH   SOLE   0 0 1,645
MARSH & MCLENNAN COS INC COM 571748102 346 3,014 SH   SOLE   0 0 3,014
APPLE INC COM 037833100 1,297 11,199 SH   SOLE   0 0 11,199
SPDR SER TR PRTFLO S&P500 VL 78464A508 5,506 182,326 SH   SOLE   0 0 182,326
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,380 31,919 SH   SOLE   0 0 31,919
VANGUARD INDEX FDS VALUE ETF 922908744 703 6,728 SH   SOLE   0 0 6,728
VANGUARD INDEX FDS MID CAP ETF 922908629 5,455 30,947 SH   SOLE   0 0 30,947
VANGUARD INDEX FDS SM CP VAL ETF 922908611 773 6,987 SH   SOLE   0 0 6,987
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,986 32,419 SH   SOLE   0 0 32,419
VANGUARD INDEX FDS GROWTH ETF 922908736 748 3,285 SH   SOLE   0 0 3,285
WESTELL TECHNOLOGIES INC CL A NEW 957541204 13 10,000 SH   SOLE   0 0 10,000
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,491 6,939 SH   SOLE   0 0 6,939
ISHARES TR EAFE VALUE ETF 464288877 6,041 149,703 SH   SOLE   0 0 149,703
ISHARES TR EAFE GRWTH ETF 464288885 5,918 65,839 SH   SOLE   0 0 65,839
SPDR SER TR S&P 400 MDCP VAL 78464A839 4,656 107,299 SH   SOLE   0 0 107,299
VANGUARD INDEX FDS LARGE CAP ETF 922908637 300 1,920 SH   SOLE   0 0 1,920
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,510 8,385 SH   SOLE   0 0 8,385
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 606 5,979 SH   SOLE   0 0 5,979
SPDR SER TR S&P 400 MDCP GRW 78464A821 4,697 81,852 SH   SOLE   0 0 81,852
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 287 5,684 SH   SOLE   0 0 5,684
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 7,403 89,138 SH   SOLE   0 0 89,138
VANGUARD BD INDEX FDS INTERMED TERM 921937819 4,728 50,577 SH   SOLE   0 0 50,577
SPDR SER TR PORTFOLIO S&P400 78464A847 21,252 651,299 SH   SOLE   0 0 651,299
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 7,067 193,287 SH   SOLE   0 0 193,287
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 6,905 168,816 SH   SOLE   0 0 168,816
ISHARES TR NATIONAL MUN ETF 464288414 3,784 32,641 SH   SOLE   0 0 32,641
FIRST MERCHANTS CORP COM 320817109 315 13,622 SH   SOLE   0 0 13,622
PHILIP MORRIS INTL INC COM 718172109 266 3,549 SH   SOLE   0 0 3,549
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 27,302 933,099 SH   SOLE   0 0 933,099
SPDR SER TR PORTFOLIO AGRGTE 78464A649 26,606 863,543 SH   SOLE   0 0 863,543
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 506 6,280 SH   SOLE   0 0 6,280
ISHARES TR SHRT NAT MUN ETF 464288158 963 8,910 SH   SOLE   0 0 8,910
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 21,861 352,082 SH   SOLE   0 0 352,082
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 6,503 21,137 SH   SOLE   0 0 21,137
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 18,723 321,788 SH   SOLE   0 0 321,788
SPDR SER TR PORTFOLIO S&P600 78468R853 21,053 768,916 SH   SOLE   0 0 768,916