LifeSteps Financial, Inc.

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 28, 2026), LifeSteps Financial, Inc. reported 90 stock positions worth $156.3 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, 5.9%). Compared with Q3 2025, it opened 2 new positions, sold out of 1, added to 30 and reduced 37. The biggest buy was a new position in Palantir Technologies Class A (PLTR) and the biggest sale Home Depot (HD, shares −3%).

Most Recent 13F
Q2 2026
Location
CLAREMONT, CA
CIK
0001801373
Portfolio Value
$156.3M (Q4 2025)
SEC Filing
0001801373-26-000001 ↗ filed Jan 28, 2026

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 Q4 2024 Q1 2025: $123.3M Q1 2025 Q2 2025: $145.5M Q2 2025 Q3 2025: $155.7M Q3 2025 Q4 2025: $156.3M $156.3M Q4 2025 Q1 2026: $157.7M Q1 2026 Q2 2026: $214.2M Q2 2026

Holdings 90 stocks · $156.3M
QQQ Invesco QQQ Trust Series 1 15.62% 39,721 $24.4M Reduce -1.9%
SPY SS SPDR S&P 500 ETF Trust-US 14.73% 33,742 $23.0M Reduce -2.0%
NVDA Nvidia Corp. 5.95% 49,829 $9.3M Reduce -0.7%
AAPL Apple Inc. 4.82% 27,692 $7.5M Reduce -9.9%
MSFT Microsoft Corp. 4.31% 13,928 $6.7M Add +0.1%
VTV Vanguard Mrngstr Val ETF-Aui 3.03% 24,764 $4.7M Add +1.6%
IJH iShares Core S&P Midcap ETF 2.68% 63,497 $4.2M Reduce -2.7%
VYM Vanguard High DVD Yield ETF 2.67% 29,075 $4.2M Reduce -2.5%
XLK SS Technology Select Sector 2.66% 28,859 $4.2M Reduce -0.3%
SDY SS SPDR S&P Dividend ETF 2.59% 29,051 $4.0M Reduce -1.0%
JPM JPMorgan Chase & Co. 2.07% 10,039 $3.2M Reduce -0.1%
SCHD Schwab US DVD Equity ETF 2.00% 114,061 $3.1M Add +1.5%
IWM iShares Russell 2000 ETF 1.88% 11,940 $2.9M Reduce -2.5%
SCHM Schwab US Mid Cap ETF 1.77% 91,965 $2.8M Add +1.2%
USB US Bancorp 1.72% 50,390 $2.7M Reduce -0.7%
AMZN Amazon.com Inc. 1.52% 10,315 $2.4M Add +4.6%
IJS iShares S&P Small-Cap 600 Va 1.46% 20,109 $2.3M Reduce -0.2%
VUG Vanguard Mrngstar GR ETF-Sui 1.23% 3,937 $1.9M Reduce -5.1%
ABBV Abbvie Inc. 1.07% 7,329 $1.7M Add +0.2%
BRK.B Berkshire Hathaway Inc. Class B 1.00% 3,098 $1.6M Add +0.6%
HD Home Depot Inc. 1.00% 4,521 $1.6M Reduce -3.3%
MGK Vngrd Mrgstr MG CP GR ETF-Ui 0.98% 3,715 $1.5M Reduce -0.1%
XOM Exxon Mobil Corp. 0.97% 12,552 $1.5M Add +0.3%
IVW iShares S&P 500 Growth ETF 0.91% 11,547 $1.4M Reduce -0.7%
COST Costco Wholesale Corp. 0.86% 1,566 $1.4M Reduce -1.5%
WFC Wells Fargo & Co. 0.83% 13,916 $1.3M Add +0.0%
GOOG Alphabet Inc. Class C 0.74% 3,671 $1.2M Reduce -0.9%
WMT Walmart Inc. 0.70% 9,882 $1.1M Add +0.8%
ADP Automatic Data Processing 0.70% 4,247 $1.1M Reduce -0.4%
TSLA Tesla Inc. 0.70% 2,415 $1.1M Add +1.6%
CAT Caterpillar Inc. 0.64% 1,746 $1.0M Add +0.6%
KO The Coca-Cola Co. 0.64% 14,226 $995K Add +1.4%
JNJ Johnson & Johnson 0.55% 4,138 $856K Reduce -2.8%
SCHG Schwab US Large-Cap Growth 0.51% 24,334 $794K Add +0.0%
NEE Nextera Energy Inc. 0.49% 9,531 $765K No change
EMR Emerson Electric Co. 0.49% 5,750 $763K No change
GOOGL Alphabet Inc. Class A 0.48% 2,379 $745K Add +1.7%
MA Mastercard Inc. Class A 0.46% 1,257 $717K Add +1.0%
META Meta Platforms Inc. Class A 0.44% 1,047 $691K Add +14.6%
CVX Chevron Corp. 0.42% 4,317 $658K Reduce -8.7%
ITW Illinois Tool Works 0.42% 2,656 $654K Add +0.1%
VOO Vanguard S&P 500 ETF 0.39% 969 $608K No change
PG The Procter & Gamble Co. 0.37% 4,054 $581K No change
QCOM Qualcomm Inc. 0.36% 3,333 $570K Reduce -1.7%
USMV iShares MSCI USA Min Vol Fac 0.36% 5,923 $558K Reduce -1.9%
GE General Electric filed as GE AEROSPACE 0.34% 1,711 $527K No change
GNLX Genelux Corp. 0.33% 118,075 $515K Add +12.3%
ASML ASML Holding NV-NY Reg SHS 0.33% 475 $508K No change
CSCO Cisco Systems Inc. 0.32% 6,547 $504K No change
AVGO Broadcom Inc. 0.32% 1,457 $504K Add +23.8%
FHLC Fidelity MSCI Health Care 0.32% 6,714 $499K Reduce -1.6%
NFLX Netflix Inc. 0.32% 5,310 $498K Add +2.5%
IVV iShares Core S&P 500 ETF 0.32% 725 $497K Reduce -1.8%
UBER Uber Technologies Inc. 0.32% 6,064 $495K Add +2.0%
IJR iShares Core S&P Small-Cap E 0.29% 3,821 $459K Reduce -1.3%
XLF SS Financial Select Sector 0.28% 8,064 $442K No change
V Visa Inc. Class A 0.26% 1,175 $412K No change
MTUM iShares MSCI USA Momentum Fa 0.26% 1,642 $411K Reduce -14.5%
AMGN Amgen Inc. 0.26% 1,248 $408K Reduce -5.2%
SCHV Schwab US Large-Cap Value 0.25% 13,443 $398K Add +0.1%
SCHB Schwab US Broad Market ETF 0.25% 14,755 $387K Add +3.3%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.25% 1,295 $384K Add +0.1%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.24% 3,323 $378K Reduce -14.8%
NVO Novo-Nordisk A/S-Spons ADR 0.24% 7,315 $372K No change
SCHX Schwab US Large-Cap ETF 0.23% 13,544 $364K Reduce -3.7%
MCD McDonald's Corp. 0.23% 1,154 $353K Add +1.4%
SCHA Schwab US Small-Cap ETF 0.22% 12,307 $351K Reduce -0.4%
TSCO Tractor Supply Company 0.22% 6,974 $349K Reduce -0.7%
PEP Pepsico Inc. 0.22% 2,424 $348K No change
VTI VG Morningstar TS MKT ETF-US 0.21% 969 $325K Reduce -0.3%
ORCL Oracle Corp. 0.20% 1,637 $319K Add +2.5%
INTU Intuit Inc. 0.20% 467 $309K No change
VZ Verizon Communications Inc. 0.19% 7,390 $301K Reduce -0.8%
GEV GE Vernova Inc. 0.19% 455 $297K Add +2.3%
LLY Eli Lilly & Co. 0.18% 268 $288K Reduce -24.3%
GS Goldman Sachs Group Inc. 0.17% 306 $269K Add +3.4%
QDF NT Qual Div ETF 0.17% 3,305 $267K No change
KMB Kimberly-Clark Corp. 0.16% 2,525 $255K No change
PLTR Palantir Technologies Inc. Class A 0.16% 1,413 $251K New
AMAT Applied Materials Inc. 0.15% 924 $237K Reduce -17.5%
VHT Vanguard Health Care ETF 0.15% 818 $235K Reduce -8.0%
BA The Boeing Co. 0.15% 1,051 $228K No change
IVE iShares S&P 500 Value ETF 0.15% 1,071 $227K Add +9.1%
SRE Sempra 0.14% 2,564 $226K No change
LRCX Lam Research Corp. 0.14% 1,272 $218K New
SFBS Servisfirst Bancshares Inc. 0.14% 3,000 $215K No change
ABT Abbott Laboratories 0.14% 1,711 $214K No change
SPTS SS SPDR P St Term TSY ETF 0.13% 6,927 $203K No change
JPC Nuveen Prefered & Income Opp 0.06% 11,520 $93K No change
OXSQ Oxford Square Capital Corp. 0.01% 10,000 $18K No change

Portfolio Sells Q3 2025 → Q4 2025
HD Home Depot Inc. Reduce -3.3% 1.00% −0.22
AAPL Apple Inc. Reduce -9.9% 4.82% −0.21
IWF iShares Russell 1000 Growth Sold out 0.00% −0.16
ADP Automatic Data Processing Reduce -0.4% 0.70% −0.10
COST Costco Wholesale Corp. Reduce -1.5% 0.86% −0.08
NVDA Nvidia Corp. Reduce -0.7% 5.95% −0.07
SDY SS SPDR S&P Dividend ETF Reduce -1.0% 2.59% −0.05
MTUM iShares MSCI USA Momentum Fa Reduce -14.5% 0.26% −0.05
IJH iShares Core S&P Midcap ETF Reduce -2.7% 2.68% −0.05
CVX Chevron Corp. Reduce -8.7% 0.42% −0.05
VUG Vanguard Mrngstar GR ETF-Sui Reduce -5.1% 1.23% −0.05
DIS The Walt Disney Co. Reduce -14.8% 0.24% −0.04
TSCO Tractor Supply Company Reduce -0.7% 0.22% −0.03
VYM Vanguard High DVD Yield ETF Reduce -2.5% 2.67% −0.03
IWM iShares Russell 2000 ETF Reduce -2.5% 1.88% −0.02
VZ Verizon Communications Inc. Reduce -0.8% 0.19% −0.02
SPY SS SPDR S&P 500 ETF Trust-US Reduce -2.0% 14.73% −0.01
USMV iShares MSCI USA Min Vol Fac Reduce -1.9% 0.36% −0.01
SCHX Schwab US Large-Cap ETF Reduce -3.7% 0.23% −0.00
IJR iShares Core S&P Small-Cap E Reduce -1.3% 0.29% −0.00
IVV iShares Core S&P 500 ETF Reduce -1.8% 0.32% +0.00
VHT Vanguard Health Care ETF Reduce -8.0% 0.15% +0.00
QCOM Qualcomm Inc. Reduce -1.7% 0.36% +0.00
SCHA Schwab US Small-Cap ETF Reduce -0.4% 0.22% +0.00
QQQ Invesco QQQ Trust Series 1 Reduce -1.9% 15.62% +0.00
VTI VG Morningstar TS MKT ETF-US Reduce -0.3% 0.21% +0.00
AMAT Applied Materials Inc. Reduce -17.5% 0.15% +0.00
IVW iShares S&P 500 Growth ETF Reduce -0.7% 0.91% +0.01
LLY Eli Lilly & Co. Reduce -24.3% 0.18% +0.01
MGK Vngrd Mrgstr MG CP GR ETF-Ui Reduce -0.1% 0.98% +0.02
AMGN Amgen Inc. Reduce -5.2% 0.26% +0.02
FHLC Fidelity MSCI Health Care Reduce -1.6% 0.32% +0.03
IJS iShares S&P Small-Cap 600 Va Reduce -0.2% 1.46% +0.03
JPM JPMorgan Chase & Co. Reduce -0.1% 2.07% +0.04
XLK SS Technology Select Sector Reduce -0.3% 2.66% +0.04
JNJ Johnson & Johnson Reduce -2.8% 0.55% +0.04
USB US Bancorp Reduce -0.7% 1.72% +0.15
GOOG Alphabet Inc. Class C Reduce -0.9% 0.74% +0.16

Portfolio Buys Q3 2025 → Q4 2025
PLTR Palantir Technologies Inc. Class A New 0.16% +0.16
LRCX Lam Research Corp. New 0.14% +0.14
AMZN Amazon.com Inc. Add +4.6% 1.52% +0.13
GOOGL Alphabet Inc. Class A Add +1.7% 0.48% +0.11
CAT Caterpillar Inc. Add +0.6% 0.64% +0.11
VTV Vanguard Mrngstr Val ETF-Aui Add +1.6% 3.03% +0.11
WFC Wells Fargo & Co. Add +0.0% 0.83% +0.08
AVGO Broadcom Inc. Add +23.8% 0.32% +0.07
XOM Exxon Mobil Corp. Add +0.3% 0.97% +0.06
WMT Walmart Inc. Add +0.8% 0.70% +0.06
GNLX Genelux Corp. Add +12.3% 0.33% +0.05
SCHM Schwab US Mid Cap ETF Add +1.2% 1.77% +0.04
KO The Coca-Cola Co. Add +1.4% 0.64% +0.04
SCHD Schwab US DVD Equity ETF Add +1.5% 2.00% +0.03
GS Goldman Sachs Group Inc. Add +3.4% 0.17% +0.02
TSLA Tesla Inc. Add +1.6% 0.70% +0.02
IVE iShares S&P 500 Value ETF Add +9.1% 0.15% +0.02
GEV GE Vernova Inc. Add +2.3% 0.19% +0.01
SCHB Schwab US Broad Market ETF Add +3.3% 0.25% +0.01
META Meta Platforms Inc. Class A Add +14.6% 0.44% +0.01
IBM Intl Business Machines Corp. Add +0.1% 0.25% +0.01
SCHG Schwab US Large-Cap Growth Add +0.0% 0.51% +0.01
MA Mastercard Inc. Class A Add +1.0% 0.46% +0.00
SCHV Schwab US Large-Cap Value Add +0.1% 0.25% +0.00
MCD McDonald's Corp. Add +1.4% 0.23% +0.00
BRK.B Berkshire Hathaway Inc. Class B Add +0.6% 1.00% +0.00
ABBV Abbvie Inc. Add +0.2% 1.07% −0.02
ITW Illinois Tool Works Add +0.1% 0.42% −0.03
UBER Uber Technologies Inc. Add +2.0% 0.32% −0.06
NFLX Netflix Inc. Add +2.5% 0.32% −0.08
ORCL Oracle Corp. Add +2.5% 0.20% −0.08
MSFT Microsoft Corp. Add +0.1% 4.31% −0.32

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