# EDGAR Filing Document

**Accession Number:** 0001350660
**File Stem:** 0001398344-23-000933
**Filing Date:** 2023-1
**Character Count:** 26466
**Document Hash:** 31d193f1d774d6d4c7b65f72a4b1188e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001398344-23-000933.hdr.sgml**: 20230124

**ACCESSION NUMBER**: 0001398344-23-000933

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230124

**DATE AS OF CHANGE**: 20230124

**EFFECTIVENESS DATE**: 20230124

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PHILLIPS FINANCIAL MANAGEMENT, LLC
- **CENTRAL INDEX KEY:** 0001350660
- **IRS NUMBER:** 201131890
- **STATE OF INCORPORATION:** IN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-11590
- **FILM NUMBER:** 23547081

**BUSINESS ADDRESS:**
- **STREET 1:** 6920 POINTE INVERNESS WAY
- **STREET 2:** SUITE 230
- **CITY:** FORT WAYNE
- **STATE:** IN
- **ZIP:** 46804
- **BUSINESS PHONE:** 260-420-7732

**MAIL ADDRESS:**
- **STREET 1:** 6920 POINTE INVERNESS WAY
- **STREET 2:** SUITE 230
- **CITY:** FORT WAYNE
- **STATE:** IN
- **ZIP:** 46804

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** PHILLIPS FINANCIAL MANAGEMENT LLC<br>**Address:** 6920 POINTE INVERNESS WAY<br>SUITE 230<br>FORT WAYNE, IN 46804

**Form 13F File Number:** 028-11590

**CRD Number (if applicable):** 000131344

**SEC File Number (if applicable):** 801-63343

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Rick Phillips<br>**Title:** Managing Member<br>**Phone:** 260-420-7732

**Signature, Place, and Date of Signing:**

/s/ Rick Phillips  Fort Wayne, IN  01-24-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 225

**Form 13F Information Table Value Total:** $983031077

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBOTT LABS | COM | 002824100 |  | 221007 | 2013 | SH |  | SOLE |  | 0 | 0 | 2013 |
| ABBVIE INC | COM | 00287Y109 |  | 419701 | 2597 | SH |  | SOLE |  | 0 | 0 | 2597 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 253945 | 2862 | SH |  | SOLE |  | 0 | 0 | 2862 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 324333 | 3676 | SH |  | SOLE |  | 0 | 0 | 3676 |
| ALPHATEC HLDGS INC | COM NEW | 02081G201 |  | 836799 | 67757 | SH |  | SOLE |  | 0 | 0 | 67757 |
| AMAZON COM INC | COM | 023135106 |  | 298956 | 3559 | SH |  | SOLE |  | 0 | 0 | 3559 |
| APPLE INC | COM | 037833100 |  | 1176906 | 9058 | SH |  | SOLE |  | 0 | 0 | 9058 |
| ATMOS ENERGY CORP | COM | 049560105 |  | 3333074 | 29741 | SH |  | SOLE |  | 0 | 0 | 29741 |
| AUDDIA INC | COM | 05072K107 |  | 36311 | 37824 | SH |  | SOLE |  | 0 | 0 | 37824 |
| BARCLAYS BANK PLC | DJUBS CMDT ETN36 | 06738C778 |  | 263578 | 7819 | SH |  | SOLE |  | 0 | 0 | 7819 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 538413 | 1743 | SH |  | SOLE |  | 0 | 0 | 1743 |
| COCA COLA CO | COM | 191216100 |  | 213920 | 3363 | SH |  | SOLE |  | 0 | 0 | 3363 |
| COMMUNITY HEALTH SYS INC NEW | COM | 203668108 |  | 132140 | 30588 | SH |  | SOLE |  | 0 | 0 | 30588 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 562112 | 20804 | SH |  | SOLE |  | 0 | 0 | 20803 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 241031 | 9626 | SH |  | SOLE |  | 0 | 0 | 9625 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 56391 | 2569 | SH |  | SOLE |  | 0 | 0 | 2569 |
| DIMENSIONAL ETF TRUST | US EQUITY ETF | 25434V401 |  | 634082 | 15239 | SH |  | SOLE |  | 0 | 0 | 15238 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 915492 | 17898 | SH |  | SOLE |  | 0 | 0 | 17898 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 9525320 | 216731 | SH |  | SOLE |  | 0 | 0 | 216730 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 26522831 | 1092374 | SH |  | SOLE |  | 0 | 0 | 1092373 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 772967 | 23087 | SH |  | SOLE |  | 0 | 0 | 23087 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 4812835 | 214285 | SH |  | SOLE |  | 0 | 0 | 214284 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 178831 | 8052 | SH |  | SOLE |  | 0 | 0 | 8051 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 10675940 | 477671 | SH |  | SOLE |  | 0 | 0 | 477670 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 4041881 | 132957 | SH |  | SOLE |  | 0 | 0 | 132956 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 3498145 | 141225 | SH |  | SOLE |  | 0 | 0 | 141225 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 4751189 | 224642 | SH |  | SOLE |  | 0 | 0 | 224642 |
| DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 |  | 2361814 | 49400 | SH |  | SOLE |  | 0 | 0 | 49400 |
| DIMENSIONAL ETF TRUST | INFLATION PROTE | 25434V856 |  | 183574 | 4460 | SH |  | SOLE |  | 0 | 0 | 4460 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 13503621 | 292984 | SH |  | SOLE |  | 0 | 0 | 292983 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 7035896 | 169458 | SH |  | SOLE |  | 0 | 0 | 169458 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 7241899 | 335273 | SH |  | SOLE |  | 0 | 0 | 335273 |
| ELEVANCE HEALTH INC | COM | 036752103 |  | 232375 | 453 | SH |  | SOLE |  | 0 | 0 | 453 |
| FRANKLIN ELEC INC | COM | 353514102 |  | 608014 | 7624 | SH |  | SOLE |  | 0 | 0 | 7624 |
| GINKGO BIOWORKS HOLDINGS INC | CL A SHS | 37611X100 |  | 24792 | 14670 | SH |  | SOLE |  | 0 | 0 | 14670 |
| HOME DEPOT INC | COM | 437076102 |  | 312239 | 989 | SH |  | SOLE |  | 0 | 0 | 988 |
| HP INC | COM | 40434L105 |  | 251288 | 9352 | SH |  | SOLE |  | 0 | 0 | 9352 |
| INNOVATOR ETFS TR | US SML CP PWR B | 45782C474 |  | 41635 | 1392 | SH |  | SOLE |  | 0 | 0 | 1392 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C508 |  | 130766 | 4150 | SH |  | SOLE |  | 0 | 0 | 4150 |
| INNOVATOR ETFS TR | INTRNL DEV JAN | 45782C524 |  | 47170 | 1766 | SH |  | SOLE |  | 0 | 0 | 1766 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 266813 | 1002 | SH |  | SOLE |  | 0 | 0 | 1002 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 653025 | 18879 | SH |  | SOLE |  | 0 | 0 | 18879 |
| ISHARES INC | MSCI AUST ETF | 464286103 |  | 17228 | 775 | SH |  | SOLE |  | 0 | 0 | 775 |
| ISHARES INC | MSCI CDA ETF | 464286509 |  | 21274 | 650 | SH |  | SOLE |  | 0 | 0 | 650 |
| ISHARES INC | MSCI PAC JP ETF | 464286665 |  | 199145 | 4654 | SH |  | SOLE |  | 0 | 0 | 4654 |
| ISHARES INC | MSCI STH KOR ETF | 464286772 |  | 22874 | 405 | SH |  | SOLE |  | 0 | 0 | 405 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 572709 | 12264 | SH |  | SOLE |  | 0 | 0 | 12263 |
| ISHARES INC | MSCI TAIWAN ETF | 46434G772 |  | 36144 | 900 | SH |  | SOLE |  | 0 | 0 | 900 |
| ISHARES INC | MSCI JPN ETF NEW | 46434G822 |  | 2722 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| ISHARES INC | MSCI EMERG MKT | 46434G889 |  | 6906430 | 168285 | SH |  | SOLE |  | 0 | 0 | 168285 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 380814 | 17294 | SH |  | SOLE |  | 0 | 0 | 17294 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 2510843 | 29609 | SH |  | SOLE |  | 0 | 0 | 29609 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 652856 | 5413 | SH |  | SOLE |  | 0 | 0 | 5413 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 8145653 | 76528 | SH |  | SOLE |  | 0 | 0 | 76528 |
| ISHARES TR | CORE S ETF | 464287200 |  | 82441306 | 214574 | SH |  | SOLE |  | 0 | 0 | 214573 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 45964863 | 473913 | SH |  | SOLE |  | 0 | 0 | 473913 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 53818 | 1420 | SH |  | SOLE |  | 0 | 0 | 1420 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 495106 | 4696 | SH |  | SOLE |  | 0 | 0 | 4696 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 428103 | 7318 | SH |  | SOLE |  | 0 | 0 | 7318 |
| ISHARES TR | GLOBAL ENERG ETF | 464287341 |  | 3889 | 100 | SH |  | SOLE |  | 0 | 0 | 99 |
| ISHARES TR | NORTH AMERN NAT | 464287374 |  | 809886 | 19918 | SH |  | SOLE |  | 0 | 0 | 19918 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 49140289 | 338735 | SH |  | SOLE |  | 0 | 0 | 338735 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 2324871 | 28642 | SH |  | SOLE |  | 0 | 0 | 28642 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 6364462 | 96960 | SH |  | SOLE |  | 0 | 0 | 96960 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 521749 | 4953 | SH |  | SOLE |  | 0 | 0 | 4953 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 2949049 | 43722 | SH |  | SOLE |  | 0 | 0 | 43722 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 61533788 | 254387 | SH |  | SOLE |  | 0 | 0 | 254387 |
| ISHARES TR | ISHARES BIOTECH | 464287556 |  | 36105 | 275 | SH |  | SOLE |  | 0 | 0 | 275 |
| ISHARES TR | GLOBAL 100 ETF | 464287572 |  | 97686 | 1525 | SH |  | SOLE |  | 0 | 0 | 1525 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 1857953 | 12252 | SH |  | SOLE |  | 0 | 0 | 12251 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 224048 | 1046 | SH |  | SOLE |  | 0 | 0 | 1045 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 2623711 | 12463 | SH |  | SOLE |  | 0 | 0 | 12463 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 696817 | 5025 | SH |  | SOLE |  | 0 | 0 | 5025 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 12380 | 71 | SH |  | SOLE |  | 0 | 0 | 71 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 1046737 | 14820 | SH |  | SOLE |  | 0 | 0 | 14820 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 120491 | 546 | SH |  | SOLE |  | 0 | 0 | 546 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 4260196 | 42264 | SH |  | SOLE |  | 0 | 0 | 42263 |
| ISHARES TR | U.S. REAL ES ETF | 464287739 |  | 5388 | 64 | SH |  | SOLE |  | 0 | 0 | 64 |
| ISHARES TR | U.S. ENERGY ETF | 464287796 |  | 16318 | 351 | SH |  | SOLE |  | 0 | 0 | 351 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 10801061 | 114128 | SH |  | SOLE |  | 0 | 0 | 114127 |
| ISHARES TR | U.S. BAS MTL ETF | 464287838 |  | 12994 | 104 | SH |  | SOLE |  | 0 | 0 | 104 |
| ISHARES TR | EUROPE ETF | 464287861 |  | 126133 | 2785 | SH |  | SOLE |  | 0 | 0 | 2784 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 19452996 | 213043 | SH |  | SOLE |  | 0 | 0 | 213043 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 180693 | 1672 | SH |  | SOLE |  | 0 | 0 | 1672 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 7937658 | 76126 | SH |  | SOLE |  | 0 | 0 | 76126 |
| ISHARES TR | GL CLEAN ENE ETF | 464288224 |  | 4903 | 247 | SH |  | SOLE |  | 0 | 0 | 247 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 374374 | 8228 | SH |  | SOLE |  | 0 | 0 | 8228 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 120867 | 2140 | SH |  | SOLE |  | 0 | 0 | 2140 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 5528434 | 52392 | SH |  | SOLE |  | 0 | 0 | 52392 |
| ISHARES TR | INTL DEVPPTY ETF | 464288422 |  | 40919 | 1495 | SH |  | SOLE |  | 0 | 0 | 1495 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 |  | 270793 | 3678 | SH |  | SOLE |  | 0 | 0 | 3677 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 9250297 | 187064 | SH |  | SOLE |  | 0 | 0 | 187063 |
| ISHARES TR | MBS ETF | 464288588 |  | 181697 | 1959 | SH |  | SOLE |  | 0 | 0 | 1959 |
| ISHARES TR | INTRM GOV CR ETF | 464288612 |  | 174730 | 1705 | SH |  | SOLE |  | 0 | 0 | 1705 |
| ISHARES TR | USD INV GRDE ETF | 464288620 |  | 13751 | 280 | SH |  | SOLE |  | 0 | 0 | 280 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 2990668 | 60405 | SH |  | SOLE |  | 0 | 0 | 60405 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 465507 | 9344 | SH |  | SOLE |  | 0 | 0 | 9343 |
| ISHARES TR | US OIL GS EX ETF | 464288851 |  | 27858 | 300 | SH |  | SOLE |  | 0 | 0 | 300 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 3989102 | 41142 | SH |  | SOLE |  | 0 | 0 | 41141 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 2481 | 17 | SH |  | SOLE |  | 0 | 0 | 17 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 50852868 | 878591 | SH |  | SOLE |  | 0 | 0 | 878591 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 2917525 | 47332 | SH |  | SOLE |  | 0 | 0 | 47331 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 16184725 | 348508 | SH |  | SOLE |  | 0 | 0 | 348508 |
| ISHARES TR | INTL EQTY FACTOR | 46434V274 |  | 20739567 | 843044 | SH |  | SOLE |  | 0 | 0 | 843044 |
| ISHARES TR | U S EQUITY FACTR | 46434V282 |  | 39680155 | 1017179 | SH |  | SOLE |  | 0 | 0 | 1017179 |
| ISHARES TR | MSCI USA SML CP | 46434V290 |  | 8811747 | 177442 | SH |  | SOLE |  | 0 | 0 | 177441 |
| ISHARES TR | EXPONENTIAL TECH | 46434V381 |  | 5255 | 111 | SH |  | SOLE |  | 0 | 0 | 111 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 3465808 | 77138 | SH |  | SOLE |  | 0 | 0 | 77137 |
| ISHARES TR | GLOBAL REIT ETF | 46434V647 |  | 112982 | 4975 | SH |  | SOLE |  | 0 | 0 | 4975 |
| ISHARES TR | BLACKROCK ULTRA | 46434V878 |  | 11184579 | 223513 | SH |  | SOLE |  | 0 | 0 | 223512 |
| ISHARES TR | INVESTMENT GRADE | 46435G219 |  | 133395 | 3080 | SH |  | SOLE |  | 0 | 0 | 3080 |
| ISHARES TR | IBONDS DEC2023 | 46435G318 |  | 2319855 | 91513 | SH |  | SOLE |  | 0 | 0 | 91513 |
| ISHARES TR | CR 5 10 YR ETF | 46435G417 |  | 2425176 | 56716 | SH |  | SOLE |  | 0 | 0 | 56716 |
| ISHARES TR | CORE INTL AGGR | 46435G672 |  | 21068303 | 443077 | SH |  | SOLE |  | 0 | 0 | 443076 |
| ISHARES TR | CYBERSECURITY | 46435U135 |  | 64554 | 1955 | SH |  | SOLE |  | 0 | 0 | 1955 |
| ISHARES TR | GENOMICS IMMUN | 46435U192 |  | 40448 | 1607 | SH |  | SOLE |  | 0 | 0 | 1607 |
| ISHARES TR | IBONDS DEC 26 | 46435U259 |  | 1429735 | 56713 | SH |  | SOLE |  | 0 | 0 | 56713 |
| ISHARES TR | IBONDS DEC 27 | 46435U283 |  | 893472 | 35632 | SH |  | SOLE |  | 0 | 0 | 35632 |
| ISHARES TR | IBONDS DEC 28 | 46435U325 |  | 576583 | 22976 | SH |  | SOLE |  | 0 | 0 | 22976 |
| ISHARES TR | SELF DRIVNG EV | 46435U366 |  | 29838 | 882 | SH |  | SOLE |  | 0 | 0 | 882 |
| ISHARES TR | IBONDS DEC 25 | 46435U432 |  | 1388908 | 52670 | SH |  | SOLE |  | 0 | 0 | 52670 |
| ISHARES TR | IBDS DEC28 ETF | 46435U515 |  | 56158 | 2312 | SH |  | SOLE |  | 0 | 0 | 2312 |
| ISHARES TR | IBONDS DEC | 46435U697 |  | 2033091 | 78955 | SH |  | SOLE |  | 0 | 0 | 78955 |
| ISHARES TR | US INFRASTRUC | 46435U713 |  | 6926 | 191 | SH |  | SOLE |  | 0 | 0 | 191 |
| ISHARES TR | BROAD USD HIGH | 46435U853 |  | 12468343 | 361087 | SH |  | SOLE |  | 0 | 0 | 361087 |
| ISHARES TR | IBONDS 27 ETF | 46435UAA9 |  | 57771 | 2472 | SH |  | SOLE |  | 0 | 0 | 2472 |
| ISHARES TR | IBONDS DEC 29 | 46436E205 |  | 55115 | 2486 | SH |  | SOLE |  | 0 | 0 | 2486 |
| ISHARES TR | US TECH BRKTHR | 46436E502 |  | 70785 | 2591 | SH |  | SOLE |  | 0 | 0 | 2591 |
| ISHARES TR | IBONDS 25 TRM TS | 46436E866 |  | 65487 | 2813 | SH |  | SOLE |  | 0 | 0 | 2813 |
| ISHARES TR | IBONDS 24 TRM TS | 46436E874 |  | 173461 | 7273 | SH |  | SOLE |  | 0 | 0 | 7273 |
| ISHARES TR | IBONDS 23 TRM TS | 46436E882 |  | 250779 | 10153 | SH |  | SOLE |  | 0 | 0 | 10153 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 2065333 | 15401 | SH |  | SOLE |  | 0 | 0 | 15401 |
| KNOWBE4 INC | CL A | 49926T104 |  | 226068 | 9123 | SH |  | SOLE |  | 0 | 0 | 9123 |
| LILLY ELI  CO | COM | 532457108 |  | 326233 | 892 | SH |  | SOLE |  | 0 | 0 | 891 |
| LINCOLN NATL CORP IND | COM | 534187109 |  | 486324 | 15831 | SH |  | SOLE |  | 0 | 0 | 15830 |
| LOWES COS INC | COM | 548661107 |  | 206612 | 1037 | SH |  | SOLE |  | 0 | 0 | 1037 |
| MICROSOFT CORP | COM | 594918104 |  | 610102 | 2544 | SH |  | SOLE |  | 0 | 0 | 2544 |
| OLD NATL BANCORP IND | COM | 680033107 |  | 436231 | 24262 | SH |  | SOLE |  | 0 | 0 | 24262 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 3634349 | 80495 | SH |  | SOLE |  | 0 | 0 | 80495 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 14112 | 254 | SH |  | SOLE |  | 0 | 0 | 254 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 110187 | 1669 | SH |  | SOLE |  | 0 | 0 | 1669 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 1004358 | 15308 | SH |  | SOLE |  | 0 | 0 | 15308 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 1895139 | 46782 | SH |  | SOLE |  | 0 | 0 | 46782 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 36878 | 1558 | SH |  | SOLE |  | 0 | 0 | 1558 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 15486 | 205 | SH |  | SOLE |  | 0 | 0 | 205 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 59717 | 1854 | SH |  | SOLE |  | 0 | 0 | 1854 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 3550117 | 77768 | SH |  | SOLE |  | 0 | 0 | 77768 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 602776 | 11639 | SH |  | SOLE |  | 0 | 0 | 11638 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 50264 | 370 | SH |  | SOLE |  | 0 | 0 | 370 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 24602 | 330 | SH |  | SOLE |  | 0 | 0 | 330 |
| SELECT SECTOR SPDR TR | SBI CONS DISCR | 81369Y407 |  | 50372 | 390 | SH |  | SOLE |  | 0 | 0 | 390 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 141964 | 1623 | SH |  | SOLE |  | 0 | 0 | 1623 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 1265 | 37 | SH |  | SOLE |  | 0 | 0 | 37 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 112245 | 902 | SH |  | SOLE |  | 0 | 0 | 902 |
| SEMPRA | COM | 816851109 |  | 212338 | 1374 | SH |  | SOLE |  | 0 | 0 | 1374 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 1136249 | 6698 | SH |  | SOLE |  | 0 | 0 | 6698 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 22742 | 690 | SH |  | SOLE |  | 0 | 0 | 690 |
| SPDR INDEX SHS FDS | GLB NAT RESRCE | 78463X541 |  | 3565972 | 62539 | SH |  | SOLE |  | 0 | 0 | 62538 |
| SPDR INDEX SHS FDS | DJ GLB RL ES ETF | 78463X749 |  | 190169 | 4650 | SH |  | SOLE |  | 0 | 0 | 4649 |
| SPDR INDEX SHS FDS | S INTL ETF | 78463X772 |  | 10213 | 316 | SH |  | SOLE |  | 0 | 0 | 316 |
| SPDR INDEX SHS FDS | DJ INTL RL ETF | 78463X863 |  | 10574 | 395 | SH |  | SOLE |  | 0 | 0 | 395 |
| SPDR INDEX SHS FDS | S INTL SMLCP | 78463X871 |  | 6980 | 237 | SH |  | SOLE |  | 0 | 0 | 237 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 805816 | 27141 | SH |  | SOLE |  | 0 | 0 | 27141 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 2643417 | 6912 | SH |  | SOLE |  | 0 | 0 | 6912 |
| SPDR SER TR | NYSE TECH ETF | 78464A102 |  | 6684 | 69 | SH |  | SOLE |  | 0 | 0 | 69 |
| SPDR SER TR | S 600 SMCP GRW | 78464A201 |  | 6935 | 96 | SH |  | SOLE |  | 0 | 0 | 96 |
| SPDR SER TR | S 600 SMCP VAL | 78464A300 |  | 4156 | 56 | SH |  | SOLE |  | 0 | 0 | 56 |
| SPDR SER TR | PORTFOLIO INTRMD | 78464A375 |  | 294307 | 9246 | SH |  | SOLE |  | 0 | 0 | 9246 |
| SPDR SER TR | PORTFOLIO SHORT | 78464A474 |  | 351901 | 11978 | SH |  | SOLE |  | 0 | 0 | 11977 |
| SPDR SER TR | PRTFLO S VL | 78464A508 |  | 328620 | 8450 | SH |  | SOLE |  | 0 | 0 | 8450 |
| SPDR SER TR | DJ REIT ETF | 78464A607 |  | 2843852 | 32632 | SH |  | SOLE |  | 0 | 0 | 32631 |
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 |  | 11260 | 448 | SH |  | SOLE |  | 0 | 0 | 448 |
| SPDR SER TR | PORTFLI TIPS ETF | 78464A656 |  | 4687524 | 181969 | SH |  | SOLE |  | 0 | 0 | 181969 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 714628 | 5712 | SH |  | SOLE |  | 0 | 0 | 5712 |
| SPDR SER TR | PORTFLI HIGH YLD | 78468R606 |  | 260082 | 11642 | SH |  | SOLE |  | 0 | 0 | 11642 |
| SPDR SER TR | BLOOMBERG HIGH Y | 78468R622 |  | 2498466 | 27761 | SH |  | SOLE |  | 0 | 0 | 27760 |
| SPDR SER TR | S KENSHO NEW | 78468R648 |  | 2720 | 69 | SH |  | SOLE |  | 0 | 0 | 69 |
| SPDR SER TR | S KENSHO CLEAN | 78468R655 |  | 10825 | 132 | SH |  | SOLE |  | 0 | 0 | 132 |
| SPDR SER TR | NUVEEN BLMBRG MU | 78468R721 |  | 43065 | 944 | SH |  | SOLE |  | 0 | 0 | 944 |
| SPDR SER TR | PORTFOLIO S | 78468R853 |  | 3561 | 96 | SH |  | SOLE |  | 0 | 0 | 96 |
| TESLA INC | COM | 88160R101 |  | 295108 | 2396 | SH |  | SOLE |  | 0 | 0 | 2395 |
| VANGUARD ADMIRAL FDS INC | 500 VAL IDX FD | 921932703 |  | 17780138 | 126947 | SH |  | SOLE |  | 0 | 0 | 126946 |
| VANGUARD ADMIRAL FDS INC | SMLCP 600 VAL | 921932778 |  | 1272776 | 8104 | SH |  | SOLE |  | 0 | 0 | 8104 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 6408484 | 36977 | SH |  | SOLE |  | 0 | 0 | 36977 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 VAL | 921932844 |  | 1458871 | 9509 | SH |  | SOLE |  | 0 | 0 | 9509 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 |  | 4067608 | 24868 | SH |  | SOLE |  | 0 | 0 | 24867 |
| VANGUARD BD INDEX FDS | LONG TERM BOND | 921937793 |  | 41725 | 576 | SH |  | SOLE |  | 0 | 0 | 576 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 9466808 | 127379 | SH |  | SOLE |  | 0 | 0 | 127379 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 9867763 | 131081 | SH |  | SOLE |  | 0 | 0 | 131080 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 22621300 | 314884 | SH |  | SOLE |  | 0 | 0 | 314884 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 28567599 | 602311 | SH |  | SOLE |  | 0 | 0 | 602310 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 25724835 | 73219 | SH |  | SOLE |  | 0 | 0 | 73219 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 1783410 | 13187 | SH |  | SOLE |  | 0 | 0 | 13187 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 15379115 | 186459 | SH |  | SOLE |  | 0 | 0 | 186458 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 21658 | 108 | SH |  | SOLE |  | 0 | 0 | 108 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 11226412 | 70695 | SH |  | SOLE |  | 0 | 0 | 70695 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 21786930 | 106898 | SH |  | SOLE |  | 0 | 0 | 106898 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 3740771 | 21474 | SH |  | SOLE |  | 0 | 0 | 21474 |
| VANGUARD INDEX FDS | EXTEND MKT ETF | 922908652 |  | 1371704 | 10324 | SH |  | SOLE |  | 0 | 0 | 10324 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 137030 | 643 | SH |  | SOLE |  | 0 | 0 | 643 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 5431742 | 38696 | SH |  | SOLE |  | 0 | 0 | 38695 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 2615645 | 14251 | SH |  | SOLE |  | 0 | 0 | 14251 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 5730858 | 29975 | SH |  | SOLE |  | 0 | 0 | 29974 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 |  | 554204 | 13406 | SH |  | SOLE |  | 0 | 0 | 13406 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 69979 | 812 | SH |  | SOLE |  | 0 | 0 | 811 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 8523922 | 170002 | SH |  | SOLE |  | 0 | 0 | 170002 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 1284806 | 32961 | SH |  | SOLE |  | 0 | 0 | 32960 |
| VANGUARD INTL EQUITY INDEX F | FTSE PACIFIC ETF | 922042866 |  | 236358 | 3673 | SH |  | SOLE |  | 0 | 0 | 3673 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 291393 | 5256 | SH |  | SOLE |  | 0 | 0 | 5256 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 6325908 | 135429 | SH |  | SOLE |  | 0 | 0 | 135429 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 3378880 | 68274 | SH |  | SOLE |  | 0 | 0 | 68274 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 49552 | 857 | SH |  | SOLE |  | 0 | 0 | 857 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 8758413 | 116484 | SH |  | SOLE |  | 0 | 0 | 116483 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 43655 | 792 | SH |  | SOLE |  | 0 | 0 | 792 |
| VANGUARD SCOTTSDALE FDS | MTG-BKD SECS ETF | 92206C771 |  | 2998735 | 65877 | SH |  | SOLE |  | 0 | 0 | 65877 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 13672768 | 176400 | SH |  | SOLE |  | 0 | 0 | 176400 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 33653135 | 650679 | SH |  | SOLE |  | 0 | 0 | 650679 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 830517 | 19788 | SH |  | SOLE |  | 0 | 0 | 19788 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 6255337 | 60820 | SH |  | SOLE |  | 0 | 0 | 60820 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 |  | 6728313 | 50818 | SH |  | SOLE |  | 0 | 0 | 50818 |
| VANGUARD WORLD FDS | ENERGY ETF | 92204A306 |  | 1417642 | 11689 | SH |  | SOLE |  | 0 | 0 | 11689 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 11499 | 36 | SH |  | SOLE |  | 0 | 0 | 36 |
| VANGUARD WORLD FDS | MATERIALS ETF | 92204A801 |  | 1034646 | 6079 | SH |  | SOLE |  | 0 | 0 | 6079 |
| WALMART INC | COM | 931142103 |  | 271195 | 1913 | SH |  | SOLE |  | 0 | 0 | 1912 |
| WILLIAMS COS INC | COM | 969457100 |  | 366078 | 11127 | SH |  | SOLE |  | 0 | 0 | 11127 |

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