Michael S. Ryan 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
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
Expires:	Oct 31, 2018
Estimated average burden
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
ABBVIE INC	COM	00287Y109	703,029	3,560	SH		SOLE	0	0	0	3,560
ALPHABET INC	CAP STK CL A	02079K305	470,516	2,837	SH		SOLE	0	0	0	2,837
AMAZON COM INC	COM	023135106	687,558	3,690	SH		SOLE	0	0	0	3,690
APPLE INC	COM	037833100	1,146,826	4,922	SH		SOLE	0	0	0	4,922
AUTONATION INC	COM	05329W102	283,230	1,583	SH		SOLE	0	0	0	1,583
BLACKROCK INC	COM	09247X101	467,159	492	SH		SOLE	0	0	0	492
BROADCOM INC	COM	11135F101	1,534,905	8,898	SH		SOLE	0	0	0	8,898
COMCAST CORP NEW	CL A	20030N101	303,292	7,261	SH		SOLE	0	0	0	7,261
EAST WEST BANCORP INC	COM	27579R104	200,479	2,423	SH		SOLE	0	0	0	2,423
ELEVANCE HEALTH INC	COM	036752103	400,400	770	SH		SOLE	0	0	0	770
FLOWSERVE CORP	COM	34354P105	412,538	7,981	SH		SOLE	0	0	0	7,981
FREEPORT-MCMORAN INC	CL B	35671D857	326,227	6,535	SH		SOLE	0	0	0	6,535
INTERNATIONAL BUSINESS MACHS	COM	459200101	466,479	2,110	SH		SOLE	0	0	0	2,110
ISHARES TR	IBONDS DEC2026	46435GAA0	3,300,984	135,843	SH		SOLE	0	0	0	135,843
ISHARES TR	IBONDS 25 TRM HG	46435U168	5,491,632	235,692	SH		SOLE	0	0	0	235,692
ISHARES TR	IBONDS 27 ETF	46435UAA9	3,454,998	141,773	SH		SOLE	0	0	0	141,773
ISHARES TR	IBONDS 2030 TERM	46436E122	3,824,543	142,343	SH		SOLE	0	0	0	142,343
ISHARES TR	IBONDS DEC 2031	46436E486	2,328,492	109,731	SH		SOLE	0	0	0	109,731
ISHARES TR	IBONDS DEC 2032	46436E312	4,436,286	172,551	SH		SOLE	0	0	0	172,551
ISHARES TR	IBONDS DEC 29	46436E205	2,747,202	116,852	SH		SOLE	0	0	0	116,852
ISHARES TR	IBDS DEC28 ETF	46435U515	2,697,576	105,663	SH		SOLE	0	0	0	105,663
MERCK & CO INC	COM	58933Y105	445,496	3,923	SH		SOLE	0	0	0	3,923
MICROSOFT CORP	COM	594918104	1,137,713	2,644	SH		SOLE	0	0	0	2,644
NVIDIA CORPORATION	COM	67066G104	1,315,195	10,830	SH		SOLE	0	0	0	10,830
PAYCOM SOFTWARE INC	COM	70432V102	454,403	2,728	SH		SOLE	0	0	0	2,728
PEPSICO INC	COM	713448108	368,668	2,168	SH		SOLE	0	0	0	2,168
PNC FINL SVCS GROUP INC	COM	693475105	354,912	1,920	SH		SOLE	0	0	0	1,920
PROLOGIS INC.	COM	74340W103	413,946	3,278	SH		SOLE	0	0	0	3,278
PURE STORAGE INC	CL A	74624M102	211,410	4,208	SH		SOLE	0	0	0	4,208
SCHWAB CHARLES CORP	COM	808513105	379,398	5,854	SH		SOLE	0	0	0	5,854
SPDR SER TR	S&P 600 SMCP VAL	78464A300	13,495,458	155,442	SH		SOLE	0	0	0	155,442
SPDR SER TR	S&P 600 SMCP GRW	78464A201	3,303,170	35,476	SH		SOLE	0	0	0	35,476
SPDR SER TR	PORTFOLIO S&P500	78464A854	11,951,834	177,038	SH		SOLE	0	0	0	177,038
SPDR SER TR	S&P 400 MDCP VAL	78464A839	12,211,317	153,679	SH		SOLE	0	0	0	153,679
SPDR SER TR	PRTFLO S&P500 GW	78464A409	8,139,223	98,134	SH		SOLE	0	0	0	98,134
SPDR SER TR	PRTFLO S&P500 VL	78464A508	23,732,948	448,977	SH		SOLE	0	0	0	448,977
SPDR SER TR	S&P 400 MDCP GRW	78464A821	3,206,985	36,551	SH		SOLE	0	0	0	36,551
T-MOBILE US INC	COM	872590104	212,344	1,029	SH		SOLE	0	0	0	1,029
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	579,884	3,339	SH		SOLE	0	0	0	3,339
TJX COS INC NEW	COM	872540109	461,462	3,926	SH		SOLE	0	0	0	3,926
UNITEDHEALTH GROUP INC	COM	91324P102	443,772	759	SH		SOLE	0	0	0	759
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	14,463,286	273,874	SH		SOLE	0	0	0	273,874
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	376,038	1,168	SH		SOLE	0	0	0	1,168
WALMART INC	COM	931142103	513,651	6,361	SH		SOLE	0	0	0	6,361
WISDOMTREE TR	EM EX ST-OWNED	97717X578	9,672,142	292,829	SH		SOLE	0	0	0	292,829