LifeSteps Financial, Inc.
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 16, 2025), LifeSteps Financial, Inc. reported 89 stock positions worth $155.7 million. Its top holding was Invesco QQQ Trust Series 1 (QQQ) at 15.6% of the portfolio, followed by SS SPDR S&P 500 ETF Trust-US (SPY, 14.7%) and Nvidia (NVDA, 6.0%). Compared with Q2 2025, it opened 3 new positions, added to 29 and reduced 44. The biggest buy was a new position in Sempra (SRE) and the biggest sale SS SPDR S&P 500 ETF Trust-US (SPY, shares −5%).
- Most Recent 13F
- Q2 2026
- Location
- CLAREMONT, CA
- CIK
- 0001801373
- Portfolio Value
- $155.7M (Q3 2025)
- SEC Filing
- 0001801373-25-000006 ↗ filed Oct 16, 2025
Holdings Value
Holdings 89 stocks · $155.7M
| QQQ Invesco QQQ Trust Series 1 | 15.61% | 40,487 | $24.3M | Reduce -2.0% |
| SPY SS SPDR S&P 500 ETF Trust-US | 14.74% | 34,442 | $22.9M | Reduce -5.4% |
| NVDA Nvidia Corp. | 6.02% | 50,194 | $9.4M | Reduce -0.3% |
| AAPL Apple Inc. | 5.03% | 30,749 | $7.8M | Reduce -3.2% |
| MSFT Microsoft Corp. | 4.63% | 13,917 | $7.2M | Reduce -0.3% |
| VTV Vanguard Mrngstr Val ETF-Aui | 2.92% | 24,370 | $4.5M | Add +3.7% |
| IJH iShares Core S&P Midcap ETF | 2.73% | 65,245 | $4.3M | Reduce -1.8% |
| VYM Vanguard High DVD Yield ETF | 2.70% | 29,818 | $4.2M | Add +0.1% |
| SDY SS SPDR S&P Dividend ETF | 2.64% | 29,357 | $4.1M | Add +0.0% |
| XLK SS Technology Select Sector | 2.62% | 14,470 | $4.1M | Reduce -1.0% |
| JPM JPMorgan Chase & Co. | 2.04% | 10,045 | $3.2M | Reduce -1.8% |
| SCHD Schwab US DVD Equity ETF | 1.97% | 112,413 | $3.1M | Add +3.5% |
| IWM iShares Russell 2000 ETF | 1.90% | 12,248 | $3.0M | Reduce -0.5% |
| SCHM Schwab US Mid Cap ETF | 1.73% | 90,871 | $2.7M | Reduce -0.8% |
| USB US Bancorp | 1.57% | 50,722 | $2.5M | Reduce -0.1% |
| IJS iShares S&P Small-Cap 600 Va | 1.43% | 20,146 | $2.2M | Reduce -6.3% |
| AMZN Amazon.com Inc. | 1.39% | 9,863 | $2.2M | Add +0.4% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.28% | 4,147 | $2.0M | Reduce -4.8% |
| HD Home Depot Inc. | 1.22% | 4,676 | $1.9M | Reduce -3.7% |
| ABBV Abbvie Inc. | 1.09% | 7,316 | $1.7M | Reduce -0.6% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.99% | 3,081 | $1.5M | Reduce -4.3% |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.96% | 3,720 | $1.5M | Reduce -0.6% |
| COST Costco Wholesale Corp. | 0.95% | 1,590 | $1.5M | Add +2.7% |
| XOM Exxon Mobil Corp. | 0.91% | 12,517 | $1.4M | Add +0.3% |
| IVW iShares S&P 500 Growth ETF | 0.90% | 11,624 | $1.4M | Add +5.7% |
| ADP Automatic Data Processing | 0.80% | 4,264 | $1.3M | No change |
| WFC Wells Fargo & Co. | 0.75% | 13,913 | $1.2M | Reduce -1.5% |
| TSLA Tesla Inc. | 0.68% | 2,378 | $1.1M | Reduce -12.4% |
| WMT Walmart Inc. | 0.65% | 9,803 | $1.0M | Reduce -8.0% |
| KO The Coca-Cola Co. | 0.60% | 14,025 | $930K | Add +0.7% |
| GOOG Alphabet Inc. Class C | 0.58% | 3,703 | $902K | Reduce -8.5% |
| CAT Caterpillar Inc. | 0.53% | 1,736 | $828K | Reduce -0.5% |
| JNJ Johnson & Johnson | 0.51% | 4,257 | $789K | Reduce -3.7% |
| SCHG Schwab US Large-Cap Growth | 0.50% | 24,328 | $776K | Add +0.0% |
| EMR Emerson Electric Co. | 0.48% | 5,750 | $754K | Reduce -0.6% |
| CVX Chevron Corp. | 0.47% | 4,728 | $734K | Add +0.0% |
| NEE Nextera Energy Inc. | 0.46% | 9,531 | $719K | Reduce -0.7% |
| MA Mastercard Inc. Class A | 0.45% | 1,245 | $708K | Add +0.3% |
| ITW Illinois Tool Works | 0.44% | 2,654 | $692K | Reduce -2.8% |
| META Meta Platforms Inc. Class A | 0.43% | 914 | $671K | Reduce -7.5% |
| PG The Procter & Gamble Co. | 0.40% | 4,054 | $623K | No change |
| NFLX Netflix Inc. | 0.40% | 518 | $621K | Add +0.2% |
| VOO Vanguard S&P 500 ETF | 0.38% | 969 | $593K | Reduce -1.9% |
| UBER Uber Technologies Inc. | 0.37% | 5,944 | $582K | Reduce -2.1% |
| USMV iShares MSCI USA Min Vol Fac | 0.37% | 6,035 | $574K | No change |
| GOOGL Alphabet Inc. Class A | 0.37% | 2,339 | $569K | Reduce -7.6% |
| QCOM Qualcomm Inc. | 0.36% | 3,390 | $564K | Add +0.2% |
| GE General Electric filed as GE AEROSPACE | 0.33% | 1,711 | $515K | Reduce -1.9% |
| IVV iShares Core S&P 500 ETF | 0.32% | 738 | $494K | Add +17.7% |
| MTUM iShares MSCI USA Momentum Fa | 0.32% | 1,920 | $492K | Add +2.4% |
| IJR iShares Core S&P Small-Cap E | 0.30% | 3,870 | $460K | No change |
| ASML ASML Holding NV-NY Reg SHS | 0.30% | 475 | $460K | No change |
| FHLC Fidelity MSCI Health Care | 0.29% | 6,825 | $456K | Reduce -9.4% |
| ORCL Oracle Corp. | 0.29% | 1,597 | $449K | Add +1.3% |
| CSCO Cisco Systems Inc. | 0.29% | 6,547 | $448K | Add +1.6% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.29% | 3,900 | $447K | Reduce -3.5% |
| GNLX Genelux Corp. | 0.28% | 105,171 | $442K | Add +8.2% |
| XLF SS Financial Select Sector | 0.28% | 8,064 | $434K | Add +6.1% |
| NVO Novo-Nordisk A/S-Spons ADR | 0.26% | 7,315 | $406K | Reduce -0.3% |
| V Visa Inc. Class A | 0.26% | 1,175 | $401K | Reduce -1.3% |
| TSCO Tractor Supply Company | 0.26% | 7,025 | $400K | Add +4.8% |
| SCHV Schwab US Large-Cap Value | 0.25% | 13,424 | $391K | Reduce -0.9% |
| AVGO Broadcom Inc. | 0.25% | 1,177 | $388K | Reduce -19.1% |
| AMGN Amgen Inc. | 0.24% | 1,317 | $372K | Reduce -9.5% |
| SCHX Schwab US Large-Cap ETF | 0.24% | 14,068 | $371K | No change |
| SCHB Schwab US Broad Market ETF | 0.24% | 14,288 | $367K | Add +1.7% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.23% | 1,293 | $365K | Add +0.1% |
| MCD McDonald's Corp. | 0.22% | 1,138 | $346K | Add +4.6% |
| SCHA Schwab US Small-Cap ETF | 0.22% | 12,356 | $345K | Add +4.4% |
| PEP Pepsico Inc. | 0.22% | 2,424 | $340K | Reduce -6.2% |
| VZ Verizon Communications Inc. | 0.21% | 7,449 | $327K | Add +0.0% |
| VTI VG Morningstar TS MKT ETF-US | 0.20% | 972 | $319K | Reduce -2.1% |
| INTU Intuit Inc. | 0.20% | 467 | $319K | Add +2.9% |
| KMB Kimberly-Clark Corp. | 0.20% | 2,525 | $314K | No change |
| GEV GE Vernova Inc. | 0.18% | 445 | $274K | Reduce -3.0% |
| LLY Eli Lilly & Co. | 0.17% | 354 | $270K | Reduce -7.3% |
| QDF NT Qual Div ETF | 0.17% | 3,305 | $262K | No change |
| IWF iShares Russell 1000 Growth | 0.16% | 539 | $253K | Add +1.7% |
| SFBS Servisfirst Bancshares Inc. | 0.16% | 3,000 | $242K | No change |
| GS Goldman Sachs Group Inc. | 0.15% | 296 | $236K | Reduce -14.2% |
| SRE Sempra | 0.15% | 2,564 | $231K | New |
| VHT Vanguard Health Care ETF | 0.15% | 889 | $231K | Add +0.1% |
| AMAT Applied Materials Inc. | 0.15% | 1,120 | $229K | No change |
| ABT Abbott Laboratories | 0.15% | 1,711 | $229K | Reduce -12.8% |
| BA The Boeing Co. | 0.15% | 1,051 | $227K | New |
| SPTS SS SPDR P St Term TSY ETF | 0.13% | 6,927 | $203K | No change |
| IVE iShares S&P 500 Value ETF | 0.13% | 982 | $203K | New |
| JPC Nuveen Prefered & Income Opp | 0.06% | 11,520 | $94K | No change |
| OXSQ Oxford Square Capital Corp. | 0.01% | 10,000 | $16K | No change |
Portfolio Sells Q2 2025 → Q3 2025
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -5.4% | 14.74% | −0.71 |
| MSFT Microsoft Corp. | Reduce -0.3% | 4.63% | −0.14 |
| IJH iShares Core S&P Midcap ETF | Reduce -1.8% | 2.73% | −0.10 |
| NVO Novo-Nordisk A/S-Spons ADR | Reduce -0.3% | 0.26% | −0.09 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -4.3% | 0.99% | −0.08 |
| META Meta Platforms Inc. Class A | Reduce -7.5% | 0.43% | −0.07 |
| WMT Walmart Inc. | Reduce -8.0% | 0.65% | −0.07 |
| DIS The Walt Disney Co. | Reduce -3.5% | 0.29% | −0.06 |
| EMR Emerson Electric Co. | Reduce -0.6% | 0.48% | −0.05 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -2.0% | 15.61% | −0.04 |
| AMGN Amgen Inc. | Reduce -9.5% | 0.24% | −0.04 |
| IJS iShares S&P Small-Cap 600 Va | Reduce -6.3% | 1.43% | −0.04 |
| FHLC Fidelity MSCI Health Care | Reduce -9.4% | 0.29% | −0.04 |
| ABT Abbott Laboratories | Reduce -12.8% | 0.15% | −0.04 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -4.8% | 1.28% | −0.04 |
| SCHM Schwab US Mid Cap ETF | Reduce -0.8% | 1.73% | −0.03 |
| V Visa Inc. Class A | Reduce -1.3% | 0.26% | −0.03 |
| LLY Eli Lilly & Co. | Reduce -7.3% | 0.17% | −0.03 |
| WFC Wells Fargo & Co. | Reduce -1.5% | 0.75% | −0.03 |
| AVGO Broadcom Inc. | Reduce -19.1% | 0.25% | −0.03 |
| ITW Illinois Tool Works | Reduce -2.8% | 0.44% | −0.02 |
| GS Goldman Sachs Group Inc. | Reduce -14.2% | 0.15% | −0.02 |
| PEP Pepsico Inc. | Reduce -6.2% | 0.22% | −0.02 |
| UBER Uber Technologies Inc. | Reduce -2.1% | 0.37% | −0.02 |
| SCHV Schwab US Large-Cap Value | Reduce -0.9% | 0.25% | −0.01 |
| HD Home Depot Inc. | Reduce -3.7% | 1.22% | −0.01 |
| VOO Vanguard S&P 500 ETF | Reduce -1.9% | 0.38% | −0.00 |
| USB US Bancorp | Reduce -0.1% | 1.57% | −0.00 |
| JPM JPMorgan Chase & Co. | Reduce -1.8% | 2.04% | −0.00 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -2.1% | 0.20% | −0.00 |
| NEE Nextera Energy Inc. | Reduce -0.7% | 0.46% | +0.00 |
| GEV GE Vernova Inc. | Reduce -3.0% | 0.18% | +0.01 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | Reduce -0.6% | 0.96% | +0.02 |
| GE General Electric | Reduce -1.9% | 0.33% | +0.02 |
| JNJ Johnson & Johnson | Reduce -3.7% | 0.51% | +0.04 |
| GOOGL Alphabet Inc. Class A | Reduce -7.6% | 0.37% | +0.06 |
| CAT Caterpillar Inc. | Reduce -0.5% | 0.53% | +0.07 |
| XLK SS Technology Select Sector | Reduce -1.0% | 2.62% | +0.08 |
| IWM iShares Russell 2000 ETF | Reduce -0.5% | 1.90% | +0.08 |
| GOOG Alphabet Inc. Class C | Reduce -8.5% | 0.58% | +0.09 |
| TSLA Tesla Inc. | Reduce -12.4% | 0.68% | +0.09 |
| ABBV Abbvie Inc. | Reduce -0.6% | 1.09% | +0.15 |
| NVDA Nvidia Corp. | Reduce -0.3% | 6.02% | +0.55 |
| AAPL Apple Inc. | Reduce -3.2% | 5.03% | +0.55 |
Portfolio Buys Q2 2025 → Q3 2025
| SRE Sempra | New | 0.15% | +0.15 |
| BA The Boeing Co. | New | 0.15% | +0.15 |
| IVE iShares S&P 500 Value ETF | New | 0.13% | +0.13 |
| GNLX Genelux Corp. | Add +8.2% | 0.28% | +0.09 |
| IVW iShares S&P 500 Growth ETF | Add +5.7% | 0.90% | +0.07 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +3.7% | 2.92% | +0.07 |
| ORCL Oracle Corp. | Add +1.3% | 0.29% | +0.05 |
| IVV iShares Core S&P 500 ETF | Add +17.7% | 0.32% | +0.05 |
| SCHA Schwab US Small-Cap ETF | Add +4.4% | 0.22% | +0.02 |
| TSCO Tractor Supply Company | Add +4.8% | 0.26% | +0.01 |
| SCHG Schwab US Large-Cap Growth | Add +0.0% | 0.50% | +0.01 |
| IWF iShares Russell 1000 Growth | Add +1.7% | 0.16% | +0.01 |
| CVX Chevron Corp. | Add +0.0% | 0.47% | +0.01 |
| MTUM iShares MSCI USA Momentum Fa | Add +2.4% | 0.32% | +0.01 |
| SCHB Schwab US Broad Market ETF | Add +1.7% | 0.24% | +0.01 |
| XLF SS Financial Select Sector | Add +6.1% | 0.28% | +0.01 |
| MCD McDonald's Corp. | Add +4.6% | 0.22% | +0.00 |
| VHT Vanguard Health Care ETF | Add +0.1% | 0.15% | −0.00 |
| SCHD Schwab US DVD Equity ETF | Add +3.5% | 1.97% | −0.01 |
| QCOM Qualcomm Inc. | Add +0.2% | 0.36% | −0.01 |
| VZ Verizon Communications Inc. | Add +0.0% | 0.21% | −0.01 |
| XOM Exxon Mobil Corp. | Add +0.3% | 0.91% | −0.02 |
| CSCO Cisco Systems Inc. | Add +1.6% | 0.29% | −0.02 |
| MA Mastercard Inc. Class A | Add +0.3% | 0.45% | −0.02 |
| IBM Intl Business Machines Corp. | Add +0.1% | 0.23% | −0.03 |
| VYM Vanguard High DVD Yield ETF | Add +0.1% | 2.70% | −0.03 |
| INTU Intuit Inc. | Add +2.9% | 0.20% | −0.04 |
| NFLX Netflix Inc. | Add +0.2% | 0.40% | −0.08 |
| KO The Coca-Cola Co. | Add +0.7% | 0.60% | −0.08 |
| AMZN Amazon.com Inc. | Add +0.4% | 1.39% | −0.09 |
| SDY SS SPDR S&P Dividend ETF | Add +0.0% | 2.64% | −0.10 |
| COST Costco Wholesale Corp. | Add +2.7% | 0.95% | −0.11 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 790 | $214.2M | QQQ, SPY, NVDA, AAPL, IJH |
| Q1 2026 | 96 | $157.7M | SPY, QQQ, NVDA, AAPL, MSFT |
| Q4 2025 | 90 | $156.3M | QQQ, SPY, NVDA, AAPL, MSFT |
| Q3 2025 | 89 | $155.7M | QQQ, SPY, NVDA, AAPL, MSFT |
| Q2 2025 | 86 | $145.5M | QQQ, SPY, NVDA, MSFT, AAPL |
| Q1 2025 | 82 | $123.3M | QQQ, SPY, AAPL, NVDA, MSFT |
| Q4 2024 | 82 | $130.3M | QQQ, SPY, AAPL, NVDA, MSFT |
| Q3 2024 | 85 | $127.8M | QQQ, SPY, AAPL, NVDA, MSFT |
| Q2 2024 | 81 | $121.1M | QQQ, SPY, AAPL, NVDA, MSFT |
| Q1 2024 | 439 | $132.4M | QQQ, SPY, AAPL, MSFT, IJH |