LifeSteps Financial, Inc.

In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 3, 2025), LifeSteps Financial, Inc. reported 82 stock positions worth $130.3 million. Its top holding was Invesco QQQ Trust Series 1 (QQQ) at 14.9% of the portfolio, followed by SS SPDR S&P 500 ETF Trust-US (SPY, 13.7%) and Apple (AAPL, 6.6%). Compared with Q3 2024, it opened 2 new positions, sold out of 5, added to 28 and reduced 29. The biggest buy was Apple (AAPL, shares +4%) and the biggest sale Novo-Nordisk A/S-Spons ADR (NVO, shares −0%).

Most Recent 13F
Q2 2026
Location
CLAREMONT, CA
CIK
0001801373
Portfolio Value
$130.3M (Q4 2024)
SEC Filing
0001801373-25-000001 ↗ filed Feb 3, 2025

Holdings Value

0$50.0M$100.0M$150.0M$200.0M$250.0M Q1 2024: $132.4M Q1 2024 Q2 2024: $121.1M Q2 2024 Q3 2024: $127.8M Q3 2024 Q4 2024: $130.3M $130.3M Q4 2024 Q1 2025: $123.3M Q1 2025 Q2 2025: $145.5M Q2 2025 Q3 2025: $155.7M Q3 2025 Q4 2025: $156.3M Q4 2025 Q1 2026: $157.7M Q1 2026 Q2 2026: $214.2M Q2 2026

Holdings 82 stocks · $130.3M
QQQ Invesco QQQ Trust Series 1 14.91% 38,010 $19.4M Reduce -0.6%
SPY SS SPDR S&P 500 ETF Trust-US 13.67% 30,405 $17.8M Add +0.1%
AAPL Apple Inc. 6.59% 34,280 $8.6M Add +3.9%
NVDA Nvidia Corp. 5.06% 49,109 $6.6M Reduce -7.9%
MSFT Microsoft Corp. 4.58% 14,174 $6.0M Add +3.2%
IJH iShares Core S&P Midcap ETF 3.16% 66,107 $4.1M Reduce -1.2%
VYM Vanguard High DVD Yield ETF 2.98% 30,399 $3.9M Reduce -0.5%
SDY SS SPDR S&P Dividend ETF 2.95% 29,121 $3.8M Add +1.9%
XLK SS Technology Select Sector 2.61% 14,646 $3.4M Reduce -5.0%
VTV Vanguard Mrngstr Val ETF-Aui 2.17% 16,704 $2.8M Add +8.1%
IWM iShares Russell 2000 ETF 2.09% 12,354 $2.7M Reduce -0.4%
USB US Bancorp 1.89% 51,417 $2.5M Add +1.2%
JPM JPMorgan Chase & Co. 1.85% 10,061 $2.4M Add +2.5%
AMZN Amazon.com Inc. 1.72% 10,192 $2.2M Add +4.1%
IJS iShares S&P Small-Cap 600 Va 1.62% 19,495 $2.1M Add +4.1%
VUG Vanguard Mrngstar GR ETF-Sui 1.59% 5,051 $2.1M Reduce -0.6%
SCHM Schwab US Mid Cap ETF 1.51% 71,023 $2.0M Reduce -0.2%
HD Home Depot Inc. 1.41% 4,735 $1.8M Reduce -0.5%
SCHD Schwab US DVD Equity ETF 1.41% 67,403 $1.8M Add +6.1%
BRK.B Berkshire Hathaway Inc. Class B 1.16% 3,338 $1.5M Reduce -0.1%
XOM Exxon Mobil Corp. 1.07% 13,011 $1.4M Add +3.5%
COST Costco Wholesale Corp. 1.04% 1,478 $1.4M Add +2.4%
MGK Vngrd Mrgstr MG CP GR ETF-Ui 1.01% 3,823 $1.3M Reduce -0.4%
ABBV Abbvie Inc. 0.99% 7,233 $1.3M Reduce -2.5%
ADP Automatic Data Processing 0.96% 4,264 $1.2M Reduce -0.3%
IVW iShares S&P 500 Growth ETF 0.91% 11,736 $1.2M Reduce -0.3%
TSLA Tesla Inc. 0.76% 2,444 $987K Add +2.0%
WFC Wells Fargo & Co. 0.76% 14,014 $984K Reduce -2.8%
KO The Coca-Cola Co. 0.66% 13,729 $855K Add +1.4%
WMT Walmart Inc. 0.59% 8,523 $770K Add +4.7%
SCHG Schwab US Large-Cap Growth 0.58% 27,196 $758K No change
EMR Emerson Electric Co. 0.55% 5,795 $718K No change
PG The Procter & Gamble Co. 0.54% 4,225 $708K No change
CVX Chevron Corp. 0.54% 4,838 $701K Reduce -9.2%
ITW Illinois Tool Works 0.53% 2,725 $691K Add +0.1%
JNJ Johnson & Johnson 0.53% 4,739 $685K Reduce -2.5%
NEE Nextera Energy Inc. 0.52% 9,502 $681K No change
GOOG Alphabet Inc. Class C 0.51% 3,456 $658K No change
CAT Caterpillar Inc. 0.50% 1,779 $645K No change
NVO Novo-Nordisk A/S-Spons ADR 0.49% 7,386 $635K Reduce -0.3%
META Meta Platforms Inc. Class A 0.46% 1,030 $603K Add +10.8%
PEP Pepsico Inc. 0.43% 3,697 $562K Reduce -2.3%
MA Mastercard Inc. Class A 0.43% 1,057 $557K Reduce -4.8%
USMV iShares MSCI USA Min Vol Fac 0.41% 6,039 $536K Reduce -1.2%
VOO Vanguard S&P 500 ETF 0.41% 988 $532K Add +2.0%
FHLC Fidelity MSCI Health Care 0.40% 7,920 $518K Reduce -9.3%
QCOM Qualcomm Inc. 0.39% 3,288 $505K No change
AMGN Amgen Inc. 0.37% 1,843 $480K Add +3.1%
AVGO Broadcom Inc. 0.35% 1,980 $459K No change
GOOGL Alphabet Inc. Class A 0.35% 2,410 $456K No change
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.34% 4,027 $448K Reduce -8.5%
IJR iShares Core S&P Small-Cap E 0.34% 3,871 $446K Reduce -13.7%
MTUM iShares MSCI USA Momentum Fa 0.32% 2,042 $423K Reduce -5.5%
SCHV Schwab US Large-Cap Value 0.30% 14,882 $388K Add +0.3%
IVV iShares Core S&P 500 ETF 0.28% 627 $369K No change
XLF SS Financial Select Sector 0.28% 7,562 $365K Add +7.7%
CSCO Cisco Systems Inc. 0.27% 6,027 $357K No change
KMB Kimberly-Clark Corp. 0.25% 2,525 $331K No change
ASML ASML Holding NV-NY Reg SHS 0.25% 475 $329K No change
MCD McDonald's Corp. 0.25% 1,105 $320K Reduce -1.3%
SCHB Schwab US Broad Market ETF 0.24% 14,016 $318K Add +7.7%
V Visa Inc. Class A 0.23% 964 $305K No change
VZ Verizon Communications Inc. 0.23% 7,590 $304K Add +1.9%
GE General Electric filed as GE AEROSPACE 0.23% 1,806 $301K No change
TSCO Tractor Supply Company 0.23% 5,601 $297K Add +9.3%
INTU Intuit Inc. 0.22% 454 $285K No change
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.22% 1,286 $283K Add +0.2%
VHT Vanguard Health Care ETF 0.21% 1,088 $276K Add +0.1%
SCHA Schwab US Small-Cap ETF 0.21% 10,621 $275K Reduce -5.3%
NFLX Netflix Inc. 0.21% 306 $273K Add +5.2%
ORCL Oracle Corp. 0.21% 1,627 $271K New
LLY Eli Lilly & Co. 0.21% 349 $269K Reduce -2.8%
UNH Unitedhealth Group Inc. 0.20% 526 $266K No change
SFBS Servisfirst Bancshares Inc. 0.20% 3,000 $254K No change
QDF NT Qual Div ETF 0.18% 3,305 $233K No change
SCHX Schwab US Large-Cap ETF 0.18% 9,918 $230K Reduce -2.6%
SRE Sempra 0.17% 2,564 $225K No change
ABT Abbott Laboratories 0.17% 1,921 $217K No change
GNLX Genelux Corp. 0.16% 86,970 $205K Add +11.1%
SPTS SS SPDR P St Term TSY ETF 0.15% 6,927 $201K New
JPC Nuveen Prefered & Income Opp 0.07% 11,520 $91K No change
OXSQ Oxford Square Capital Corp. 0.02% 10,000 $24K No change

Portfolio Sells Q3 2024 → Q4 2024
NVO Novo-Nordisk A/S-Spons ADR Reduce -0.3% 0.49% −0.20
AMAT Applied Materials Inc. Sold out 0.00% −0.18
DIA SS SPDR Dow Jones Indus Avg Sold out 0.00% −0.17
PHM Pultegroup Inc. Sold out 0.00% −0.16
ABBV Abbvie Inc. Reduce -2.5% 0.99% −0.16
NOC Northrop Grumman Corp. Sold out 0.00% −0.16
XLK SS Technology Select Sector Reduce -5.0% 2.61% −0.11
IJH iShares Core S&P Midcap ETF Reduce -1.2% 3.16% −0.10
FHLC Fidelity MSCI Health Care Reduce -9.3% 0.40% −0.10
HD Home Depot Inc. Reduce -0.5% 1.41% −0.10
JNJ Johnson & Johnson Reduce -2.5% 0.53% −0.09
VYM Vanguard High DVD Yield ETF Reduce -0.5% 2.98% −0.09
CVX Chevron Corp. Reduce -9.2% 0.54% −0.08
PEP Pepsico Inc. Reduce -2.3% 0.43% −0.07
IJR iShares Core S&P Small-Cap E Reduce -13.7% 0.34% −0.07
IWM iShares Russell 2000 ETF Reduce -0.4% 2.09% −0.05
LLY Eli Lilly & Co. Reduce -2.8% 0.21% −0.04
BRK.B Berkshire Hathaway Inc. Class B Reduce -0.1% 1.16% −0.04
SCHM Schwab US Mid Cap ETF Reduce -0.2% 1.51% −0.03
USMV iShares MSCI USA Min Vol Fac Reduce -1.2% 0.41% −0.03
MCD McDonald's Corp. Reduce -1.3% 0.25% −0.02
MTUM iShares MSCI USA Momentum Fa Reduce -5.5% 0.32% −0.02
SCHA Schwab US Small-Cap ETF Reduce -5.3% 0.21% −0.02
LXRX Lexicon Pharmaceuticals Inc. Sold out 0.00% −0.01
NVDA Nvidia Corp. Reduce -7.9% 5.06% −0.01
SCHX Schwab US Large-Cap ETF Reduce -2.6% 0.18% −0.00
MA Mastercard Inc. Class A Reduce -4.8% 0.43% −0.00
DIS The Walt Disney Co. Reduce -8.5% 0.34% +0.01
ADP Automatic Data Processing Reduce -0.3% 0.96% +0.03
IVW iShares S&P 500 Growth ETF Reduce -0.3% 0.91% +0.03
MGK Vngrd Mrgstr MG CP GR ETF-Ui Reduce -0.4% 1.01% +0.04
VUG Vanguard Mrngstar GR ETF-Sui Reduce -0.6% 1.59% +0.06
WFC Wells Fargo & Co. Reduce -2.8% 0.76% +0.12
QQQ Invesco QQQ Trust Series 1 Reduce -0.6% 14.91% +0.31

Portfolio Buys Q3 2024 → Q4 2024
AAPL Apple Inc. Add +3.9% 6.59% +0.57
AMZN Amazon.com Inc. Add +4.1% 1.72% +0.29
TSLA Tesla Inc. Add +2.0% 0.76% +0.27
JPM JPMorgan Chase & Co. Add +2.5% 1.85% +0.23
ORCL Oracle Corp. New 0.21% +0.21
SPTS SS SPDR P St Term TSY ETF New 0.15% +0.15
WMT Walmart Inc. Add +4.7% 0.59% +0.08
USB US Bancorp Add +1.2% 1.89% +0.07
VTV Vanguard Mrngstr Val ETF-Aui Add +8.1% 2.17% +0.06
NFLX Netflix Inc. Add +5.2% 0.21% +0.05
IJS iShares S&P Small-Cap 600 Va Add +4.1% 1.62% +0.05
META Meta Platforms Inc. Class A Add +10.8% 0.46% +0.05
COST Costco Wholesale Corp. Add +2.4% 1.04% +0.04
SPY SS SPDR S&P 500 ETF Trust-US Add +0.1% 13.67% +0.03
XLF SS Financial Select Sector Add +7.7% 0.28% +0.03
SCHB Schwab US Broad Market ETF Add +7.7% 0.24% +0.02
SCHD Schwab US DVD Equity ETF Add +6.1% 1.41% +0.01
GNLX Genelux Corp. Add +11.1% 0.16% +0.01
VOO Vanguard S&P 500 ETF Add +2.0% 0.41% +0.01
IBM Intl Business Machines Corp. Add +0.2% 0.22% −0.01
TSCO Tractor Supply Company Add +9.3% 0.23% −0.01
SCHV Schwab US Large-Cap Value Add +0.3% 0.30% −0.01
ITW Illinois Tool Works Add +0.1% 0.53% −0.03
VHT Vanguard Health Care ETF Add +0.1% 0.21% −0.03
VZ Verizon Communications Inc. Add +1.9% 0.23% −0.03
MSFT Microsoft Corp. Add +3.2% 4.58% −0.04
XOM Exxon Mobil Corp. Add +3.5% 1.07% −0.08
AMGN Amgen Inc. Add +3.1% 0.37% −0.08
KO The Coca-Cola Co. Add +1.4% 0.66% −0.11
SDY SS SPDR S&P Dividend ETF Add +1.9% 2.95% −0.22

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 790$214.2MQQQ, SPY, NVDA, AAPL, IJH
Q1 2026 96$157.7MSPY, QQQ, NVDA, AAPL, MSFT
Q4 2025 90$156.3MQQQ, SPY, NVDA, AAPL, MSFT
Q3 2025 89$155.7MQQQ, SPY, NVDA, AAPL, MSFT
Q2 2025 86$145.5MQQQ, SPY, NVDA, MSFT, AAPL
Q1 2025 82$123.3MQQQ, SPY, AAPL, NVDA, MSFT
Q4 2024 82$130.3MQQQ, SPY, AAPL, NVDA, MSFT
Q3 2024 85$127.8MQQQ, SPY, AAPL, NVDA, MSFT
Q2 2024 81$121.1MQQQ, SPY, AAPL, NVDA, MSFT
Q1 2024 439$132.4MQQQ, SPY, AAPL, MSFT, IJH