# EDGAR Filing Document

**Accession Number:** 0001894921
**File Stem:** 0001894921-25-000006
**Filing Date:** 2025-10
**Character Count:** 13088
**Document Hash:** df6055650a94c793466aee2f1854c9b0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001894921-25-000006.hdr.sgml**: 20251029

**ACCESSION NUMBER**: 0001894921-25-000006

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251029

**DATE AS OF CHANGE**: 20251029

**EFFECTIVENESS DATE**: 20251029

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Whelan Financial
- **CENTRAL INDEX KEY:** 0001894921

**ORGANIZATION NAME:**
- **EIN:** 260262268
- **STATE OF INCORPORATION:** CA

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21428
- **FILM NUMBER:** 251428601

**BUSINESS ADDRESS:**
- **STREET 1:** 7700 N. PALM AVE
- **STREET 2:** SUITE 201
- **CITY:** FRESNO
- **STATE:** CA
- **ZIP:** 93711
- **BUSINESS PHONE:** 5592288002

**MAIL ADDRESS:**
- **STREET 1:** 7700 N. PALM AVE
- **STREET 2:** SUITE 201
- **CITY:** FRESNO
- **STATE:** CA
- **ZIP:** 93711

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**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:** Whelan Financial<br>**Address:** 7700 N. PALM AVE<br>SUITE 201<br>FRESNO, CA 93711

**Form 13F File Number:** 028-21428

**CRD Number (if applicable):** 000107227

**SEC File Number (if applicable):** 801-40071

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:** Michael Ryan<br>**Title:** CCO<br>**Phone:** 5592288002

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

Michael Ryan  Fresno, CA  10-29-2025<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:** 97

**Form 13F Information Table Value Total:** $315496274

      (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 |
| ABBVIE INC | COM | 00287Y109 |  | 497527 | 2149 | SH |  | SOLE | 0 | 0 | 0 | 2149 |
| ADOBE INC | COM | 00724F101 |  | 210239 | 596 | SH |  | SOLE | 0 | 0 | 0 | 596 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 221491 | 1369 | SH |  | SOLE | 0 | 0 | 0 | 1369 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1324261 | 5447 | SH |  | SOLE | 0 | 0 | 0 | 5447 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 2717803 | 11159 | SH |  | SOLE | 0 | 0 | 0 | 11159 |
| AMAZON COM INC | COM | 023135106 |  | 2965512 | 13506 | SH |  | SOLE | 0 | 0 | 0 | 13506 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 513475 | 5159 | SH |  | SOLE | 0 | 0 | 0 | 5159 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 1240953 | 3736 | SH |  | SOLE | 0 | 0 | 0 | 3736 |
| AMPHENOL CORP NEW | CL A | 032095101 |  | 302074 | 2441 | SH |  | SOLE | 0 | 0 | 0 | 2441 |
| APPLE INC | COM | 037833100 |  | 8828802 | 34673 | SH |  | SOLE | 0 | 0 | 0 | 34673 |
| APPLIED MATLS INC | COM | 038222105 |  | 398465 | 1946 | SH |  | SOLE | 0 | 0 | 0 | 1946 |
| AT INC | COM | 00206R102 |  | 244331 | 8652 | SH |  | SOLE | 0 | 0 | 0 | 8652 |
| ATLASCLEAR HOLDINGS INC | COM SHS | 128745205 |  | 10200 | 20000 | SH |  | SOLE | 0 | 0 | 0 | 20000 |
| AUTODESK INC | COM | 052769106 |  | 216016 | 680 | SH |  | SOLE | 0 | 0 | 0 | 680 |
| BANK AMERICA CORP | COM | 060505104 |  | 1103997 | 21399 | SH |  | SOLE | 0 | 0 | 0 | 21399 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1864663 | 3709 | SH |  | SOLE | 0 | 0 | 0 | 3709 |
| BOEING CO | COM | 097023105 |  | 476553 | 2208 | SH |  | SOLE | 0 | 0 | 0 | 2208 |
| BROADCOM INC | COM | 11135F101 |  | 1763728 | 5346 | SH |  | SOLE | 0 | 0 | 0 | 5346 |
| CADENCE DESIGN SYSTEM INC | COM | 127387108 |  | 306650 | 873 | SH |  | SOLE | 0 | 0 | 0 | 873 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 1334725 | 6279 | SH |  | SOLE | 0 | 0 | 0 | 6279 |
| CARNIVAL CORP | UNIT 99/99/9999 | 143658300 |  | 254379 | 8799 | SH |  | SOLE | 0 | 0 | 0 | 8799 |
| CHEVRON CORP NEW | COM | 166764100 |  | 745151 | 4798 | SH |  | SOLE | 0 | 0 | 0 | 4798 |
| CHIPOTLE MEXICAN GRILL INC | COM | 169656105 |  | 604114 | 15415 | SH |  | SOLE | 0 | 0 | 0 | 15415 |
| CISCO SYS INC | COM | 17275R102 |  | 291332 | 4258 | SH |  | SOLE | 0 | 0 | 0 | 4258 |
| CITIGROUP INC | COM NEW | 172967424 |  | 267339 | 2634 | SH |  | SOLE | 0 | 0 | 0 | 2634 |
| CONSTELLATION BRANDS INC | CL A | 21036P108 |  | 900175 | 6684 | SH |  | SOLE | 0 | 0 | 0 | 6684 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1302134 | 1407 | SH |  | SOLE | 0 | 0 | 0 | 1407 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 296190 | 604 | SH |  | SOLE | 0 | 0 | 0 | 604 |
| CVB FINL CORP | COM | 126600105 |  | 200805 | 10619 | SH |  | SOLE | 0 | 0 | 0 | 10619 |
| DISNEY WALT CO | COM | 254687106 |  | 1378128 | 12036 | SH |  | SOLE | 0 | 0 | 0 | 12036 |
| ELI LILLY  CO | COM | 532457108 |  | 431171 | 565 | SH |  | SOLE | 0 | 0 | 0 | 565 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 462330 | 4100 | SH |  | SOLE | 0 | 0 | 0 | 4100 |
| FIRST TR EXCHANGE-TRADED FD | SHS | 33734H106 |  | 244748 | 5293 | SH |  | SOLE | 0 | 0 | 0 | 5293 |
| GE AEROSPACE | COM NEW | 369604301 |  | 294098 | 978 | SH |  | SOLE | 0 | 0 | 0 | 978 |
| GE VERNOVA INC | COM | 36828A101 |  | 275014 | 447 | SH |  | SOLE | 0 | 0 | 0 | 447 |
| HOME DEPOT INC | COM | 437076102 |  | 299686 | 740 | SH |  | SOLE | 0 | 0 | 0 | 740 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 572203 | 2028 | SH |  | SOLE | 0 | 0 | 0 | 2028 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 53326670 | 215793 | SH |  | SOLE | 0 | 0 | 0 | 215793 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 348850 | 581 | SH |  | SOLE | 0 | 0 | 0 | 581 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 301470 | 4638 | SH |  | SOLE | 0 | 0 | 0 | 4638 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 256005 | 3518 | SH |  | SOLE | 0 | 0 | 0 | 3518 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 545548 | 8013 | SH |  | SOLE | 0 | 0 | 0 | 8013 |
| ISHARES TR | GLOBAL 100 ETF | 464287572 |  | 4486421 | 37384 | SH |  | SOLE | 0 | 0 | 0 | 37384 |
| ISHARES TR | RUS TP200 GR ETF | 464289438 |  | 2683489 | 9806 | SH |  | SOLE | 0 | 0 | 0 | 9806 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 251473 | 1356 | SH |  | SOLE | 0 | 0 | 0 | 1356 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 1457917 | 4622 | SH |  | SOLE | 0 | 0 | 0 | 4622 |
| KLA CORP | COM NEW | 482480100 |  | 1668252 | 1547 | SH |  | SOLE | 0 | 0 | 0 | 1547 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 426472 | 3185 | SH |  | SOLE | 0 | 0 | 0 | 3185 |
| LOWES COS INC | COM | 548661107 |  | 2422714 | 9640 | SH |  | SOLE | 0 | 0 | 0 | 9640 |
| LULULEMON ATHLETICA INC | COM | 550021109 |  | 685208 | 3851 | SH |  | SOLE | 0 | 0 | 0 | 3851 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 944951 | 1661 | SH |  | SOLE | 0 | 0 | 0 | 1661 |
| MCKESSON CORP | COM | 58155Q103 |  | 259573 | 336 | SH |  | SOLE | 0 | 0 | 0 | 336 |
| MERCK  CO INC | COM | 58933Y105 |  | 256910 | 3061 | SH |  | SOLE | 0 | 0 | 0 | 3061 |
| META PLATFORMS INC | CL A | 30303M102 |  | 4162695 | 5668 | SH |  | SOLE | 0 | 0 | 0 | 5668 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 224480 | 1342 | SH |  | SOLE | 0 | 0 | 0 | 1342 |
| MICROSOFT CORP | COM | 594918104 |  | 5730202 | 11063 | SH |  | SOLE | 0 | 0 | 0 | 11063 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 243209 | 1530 | SH |  | SOLE | 0 | 0 | 0 | 1530 |
| NETFLIX INC | COM | 64110L106 |  | 805674 | 672 | SH |  | SOLE | 0 | 0 | 0 | 672 |
| NIKE INC | CL B | 654106103 |  | 636978 | 9135 | SH |  | SOLE | 0 | 0 | 0 | 9135 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 6367588 | 34128 | SH |  | SOLE | 0 | 0 | 0 | 34128 |
| ORACLE CORP | COM | 68389X105 |  | 987246 | 3510 | SH |  | SOLE | 0 | 0 | 0 | 3510 |
| PALANTIR TECHNOLOGIES INC | CL A | 69608A108 |  | 653064 | 3580 | SH |  | SOLE | 0 | 0 | 0 | 3580 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 389525 | 1913 | SH |  | SOLE | 0 | 0 | 0 | 1913 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 208589 | 1286 | SH |  | SOLE | 0 | 0 | 0 | 1286 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 515712 | 3356 | SH |  | SOLE | 0 | 0 | 0 | 3356 |
| RTX CORPORATION | COM | 75513E101 |  | 268659 | 1606 | SH |  | SOLE | 0 | 0 | 0 | 1606 |
| SALESFORCE INC | COM | 79466L302 |  | 212589 | 897 | SH |  | SOLE | 0 | 0 | 0 | 897 |
| SCHWAB CHARLES CORP | COM | 808513105 |  | 1337229 | 14007 | SH |  | SOLE | 0 | 0 | 0 | 14007 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 394078 | 18270 | SH |  | SOLE | 0 | 0 | 0 | 18270 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 443814 | 14973 | SH |  | SOLE | 0 | 0 | 0 | 14973 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 216352 | 9218 | SH |  | SOLE | 0 | 0 | 0 | 9218 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 48273154 | 1768247 | SH |  | SOLE | 0 | 0 | 0 | 1768247 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 2027566 | 72673 | SH |  | SOLE | 0 | 0 | 0 | 72673 |
| SENSEONICS HLDGS INC | COM | 81727U105 |  | 20986 | 48156 | SH |  | SOLE | 0 | 0 | 0 | 48156 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 240653 | 677 | SH |  | SOLE | 0 | 0 | 0 | 677 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 208747 | 313 | SH |  | SOLE | 0 | 0 | 0 | 313 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 1134677 | 14484 | SH |  | SOLE | 0 | 0 | 0 | 14484 |
| STARBUCKS CORP | COM | 855244109 |  | 279038 | 3298 | SH |  | SOLE | 0 | 0 | 0 | 3298 |
| SYNOPSYS INC | COM | 871607107 |  | 261497 | 530 | SH |  | SOLE | 0 | 0 | 0 | 530 |
| TAIWAN SEMICONDUCTOR MFG LTD | SPONSORED ADS | 874039100 |  | 256109 | 917 | SH |  | SOLE | 0 | 0 | 0 | 917 |
| TESLA INC | COM | 88160R101 |  | 1475581 | 3318 | SH |  | SOLE | 0 | 0 | 0 | 3318 |
| UBER TECHNOLOGIES INC | COM | 90353T100 |  | 1167411 | 11916 | SH |  | SOLE | 0 | 0 | 0 | 11916 |
| UMB FINL CORP | COM | 902788108 |  | 592460 | 5006 | SH |  | SOLE | 0 | 0 | 0 | 5006 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 261602 | 758 | SH |  | SOLE | 0 | 0 | 0 | 758 |
| VALERO ENERGY CORP | COM | 91913Y100 |  | 234618 | 1378 | SH |  | SOLE | 0 | 0 | 0 | 1378 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 273742 | 2762 | SH |  | SOLE | 0 | 0 | 0 | 2762 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 15794929 | 212383 | SH |  | SOLE | 0 | 0 | 0 | 212383 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 13539042 | 46092 | SH |  | SOLE | 0 | 0 | 0 | 46092 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 23691520 | 259150 | SH |  | SOLE | 0 | 0 | 0 | 259150 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 32950693 | 129584 | SH |  | SOLE | 0 | 0 | 0 | 129584 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 2292065 | 6984 | SH |  | SOLE | 0 | 0 | 0 | 6984 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 637556 | 1041 | SH |  | SOLE | 0 | 0 | 0 | 1041 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 21278912 | 420283 | SH |  | SOLE | 0 | 0 | 0 | 420283 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 17074386 | 213617 | SH |  | SOLE | 0 | 0 | 0 | 213617 |
| VISA INC | COM CL A | 92826C839 |  | 1190978 | 3489 | SH |  | SOLE | 0 | 0 | 0 | 3489 |
| WALMART INC | COM | 931142103 |  | 577198 | 5601 | SH |  | SOLE | 0 | 0 | 0 | 5601 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 281086 | 3353 | SH |  | SOLE | 0 | 0 | 0 | 3353 |

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