# LifeSteps Financial, Inc.

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1801373. Source: https://holderbook.com/funds/1801373-lifesteps-financial-inc/

- Reported value: $214.5M
- Positions: 792
- Weight of the ten largest: 52.7%
- Filed: 2026-07-17

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $32.7M | 44,460 | 15.3% | 27 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $30.6M | 40,973 | 14.3% | 27 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $10.1M | 50,647 | 4.7% | 26 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $8.3M | 28,528 | 3.8% | 27 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $6.5M | 84,255 | 3.0% | 27 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $5.3M | 14,179 | 2.5% | 27 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $5.2M | 23,880 | 2.4% | 27 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $5.2M | 27,240 | 2.4% | 27 |
| SPDR SERIES TRUST | [SDY](https://holderbook.com/stocks/SDY/) | $4.7M | 30,887 | 2.2% | 27 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $4.5M | 28,617 | 2.1% | 27 |
| ISHARES TR | [IJS](https://holderbook.com/stocks/IJS/) | $3.8M | 27,480 | 1.8% | 27 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $3.7M | 118,076 | 1.7% | 27 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $3.7M | 11,304 | 1.7% | 27 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $3.5M | 11,702 | 1.6% | 27 |
| SCHWAB STRATEGIC TR | [SCHM](https://holderbook.com/stocks/SCHM/) | $3.5M | 94,401 | 1.6% | 27 |
| DIMENSIONAL ETF TRUST | [DFAX](https://holderbook.com/stocks/DFAX/) | $3.2M | 87,356 | 1.5% | 2 |
| US BANCORP | [USB](https://holderbook.com/stocks/USB/) | $3.0M | 50,374 | 1.4% | 27 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $2.5M | 10,437 | 1.2% | 27 |
| DIMENSIONAL ETF TRUST | [DFUS](https://holderbook.com/stocks/DFUS/) | $2.4M | 29,287 | 1.1% | 2 |
| DIMENSIONAL ETF TRUST | [DFLV](https://holderbook.com/stocks/DFLV/) | $2.1M | 53,573 | 1.0% | 2 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $1.8M | 7,339 | 0.9% | 27 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $1.8M | 1,728 | 0.9% | 24 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $1.7M | 19,298 | 0.8% | 27 |
| EXXONMOBIL HOLDINGS CORP COM SHS | [XOM](https://holderbook.com/stocks/XOM/) | $1.6M | 12,052 | 0.8% | 1 |
| ISHARES TR | [IVW](https://holderbook.com/stocks/IVW/) | $1.6M | 11,884 | 0.8% | 27 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $1.6M | 3,106 | 0.7% | 27 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $1.5M | 4,318 | 0.7% | 27 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $1.5M | 1,630 | 0.7% | 15 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $1.5M | 4,228 | 0.7% | 27 |
| VANGUARD WORLD FD | [MGK](https://holderbook.com/stocks/MGK/) | $1.5M | 16,739 | 0.7% | 27 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $1.4M | 11,965 | 0.6% | 11 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $1.2M | 2,796 | 0.5% | 25 |
| COCA COLA CO | [KO](https://holderbook.com/stocks/KO/) | $1.2M | 14,361 | 0.5% | 11 |
| WELLS FARGO & CO | [WFC](https://holderbook.com/stocks/WFC/) | $1.2M | 13,958 | 0.5% | 15 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $1.0M | 4,127 | 0.5% | 27 |
| DIMENSIONAL ETF TRUST | [DFCF](https://holderbook.com/stocks/DFCF/) | $1.0M | 24,731 | 0.5% | 2 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $977.3K | 1,305 | 0.5% | 24 |
| ASML HLDG NV | [ASML](https://holderbook.com/stocks/ASML/) | $945.0K | 475 | 0.4% | 15 |
| AUTOMATIC DATA PROCESSING IN | [ADP](https://holderbook.com/stocks/ADP/) | $940.0K | 4,197 | 0.4% | 27 |
| MASTERCARD INCORPORATED | [MA](https://holderbook.com/stocks/MA/) | $862.4K | 1,679 | 0.4% | 25 |
| EMERSON ELEC CO | [EMR](https://holderbook.com/stocks/EMR/) | $820.9K | 5,734 | 0.4% | 27 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $820.5K | 2,296 | 0.4% | 12 |
| NEXTERA ENERGY INC | [NEE](https://holderbook.com/stocks/NEE/) | $815.6K | 9,293 | 0.4% | 27 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $781.2K | 2,068 | 0.4% | 11 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $771.4K | 6,567 | 0.4% | 15 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $746.6K | 22,062 | 0.3% | 27 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $742.8K | 2,642 | 0.3% | 11 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $730.4K | 4,407 | 0.3% | 25 |
| ILLINOIS TOOL WKS INC | [ITW](https://holderbook.com/stocks/ITW/) | $719.6K | 2,660 | 0.3% | 27 |
| APPLIED MATLS INC | [AMAT](https://holderbook.com/stocks/AMAT/) | $686.1K | 949 | 0.3% | 5 |
| MICRON TECHNOLOGY INC | [MU](https://holderbook.com/stocks/MU/) | $683.3K | 592 | 0.3% | 1 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $665.5K | 969 | 0.3% | 12 |
| GE AEROSPACE | [GE](https://holderbook.com/stocks/GE/) | $644.7K | 1,725 | 0.3% | 11 |
| QUALCOMM INC | [QCOM](https://holderbook.com/stocks/QCOM/) | $615.0K | 3,328 | 0.3% | 15 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $608.1K | 4,147 | 0.3% | 27 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $578.5K | 1,027 | 0.3% | 13 |
| ISHARES TR | [MTUM](https://holderbook.com/stocks/MTUM/) | $559.2K | 1,631 | 0.3% | 27 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $533.8K | 3,599 | 0.2% | 23 |
| GE VERNOVA INC | [GEV](https://holderbook.com/stocks/GEV/) | $532.2K | 453 | 0.2% | 5 |
| ISHARES TR | [USMV](https://holderbook.com/stocks/USMV/) | $500.2K | 5,185 | 0.2% | 27 |
| LAM RESEARCH CORP | [LRCX](https://holderbook.com/stocks/LRCX/) | $490.1K | 1,131 | 0.2% | 3 |
| FIDELITY COVINGTON TRUST | [FHLC](https://holderbook.com/stocks/FHLC/) | $436.0K | 5,644 | 0.2% | 23 |
| UBER TECHNOLOGIES INC | [UBER](https://holderbook.com/stocks/UBER/) | $435.1K | 6,030 | 0.2% | 6 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $421.3K | 11,662 | 0.2% | 25 |
| SCHWAB STRATEGIC TR | [SCHB](https://holderbook.com/stocks/SCHB/) | $411.2K | 14,200 | 0.2% | 13 |
| SELECT SECTOR SPDR TR | [XLF](https://holderbook.com/stocks/XLF/) | $405.5K | 7,564 | 0.2% | 27 |
| SCHWAB STRATEGIC TR | [SCHV](https://holderbook.com/stocks/SCHV/) | $385.7K | 11,080 | 0.2% | 27 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $379.5K | 1,106 | 0.2% | 27 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $376.7K | 12,801 | 0.2% | 11 |
| NETFLIX INC | [NFLX](https://holderbook.com/stocks/NFLX/) | $371.9K | 5,208 | 0.2% | 8 |
| GENELUX CORPORATION | [GNLX](https://holderbook.com/stocks/GNLX/) | $367.1K | 121,965 | 0.2% | 13 |
| NOVO-NORDISK A S | [NVO](https://holderbook.com/stocks/NVO/) | $357.0K | 7,446 | 0.2% | 27 |
| ISHARES TR | [IVE](https://holderbook.com/stocks/IVE/) | $344.2K | 1,516 | 0.2% | 4 |
| ADVANCED MICRO DEVICES INC | [AMD](https://holderbook.com/stocks/AMD/) | $323.0K | 556 | 0.2% | 1 |
| VERIZON COMMUNICATIONS INC | [VZ](https://holderbook.com/stocks/VZ/) | $316.9K | 7,484 | 0.1% | 27 |
| ISHARES TR | [IUSB](https://holderbook.com/stocks/IUSB/) | $315.6K | 6,839 | 0.1% | 1 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $315.4K | 263 | 0.1% | 10 |
| PEPSICO INC | [PEP](https://holderbook.com/stocks/PEP/) | $310.6K | 2,294 | 0.1% | 27 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $309.2K | 1,144 | 0.1% | 11 |
| FLEXSHARES TR | [QDF](https://holderbook.com/stocks/QDF/) | $297.2K | 3,305 | 0.1% | 23 |
| AMGEN INC | [AMGN](https://holderbook.com/stocks/AMGN/) | $294.4K | 813 | 0.1% | 27 |
| GOLDMAN SACHS GROUP INC | [GS](https://holderbook.com/stocks/GS/) | $289.3K | 286 | 0.1% | 5 |
| KIMBERLY-CLARK CORP | [KMB](https://holderbook.com/stocks/KMB/) | $277.2K | 2,525 | 0.1% | 27 |
| BANK OF AMER CORP | [BACPRL](https://holderbook.com/stocks/BACPRL/) | $268.3K | 214 | 0.1% | 2 |
| DISNEY WALT CO | [DIS](https://holderbook.com/stocks/DIS/) | $264.7K | 2,750 | 0.1% | 27 |
| SERVISFIRST BANCSHARES INC | [SFBS](https://holderbook.com/stocks/SFBS/) | $260.2K | 3,000 | 0.1% | 8 |
| FIDELITY COVINGTON TRUST | [FDVV](https://holderbook.com/stocks/FDVV/) | $248.8K | 4,127 | 0.1% | 2 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $246.7K | 3,217 | 0.1% | 2 |
| TRACTOR SUPPLY CO | [TSCO](https://holderbook.com/stocks/TSCO/) | $244.2K | 7,726 | 0.1% | 11 |
| CROWDSTRIKE HLDGS INC | [CRWD](https://holderbook.com/stocks/CRWD/) | $244.2K | 320 | 0.1% | 1 |
| SEMPRA | [SRE](https://holderbook.com/stocks/SRE/) | $237.7K | 2,564 | 0.1% | 4 |
| BOEING CO | [BA](https://holderbook.com/stocks/BA/) | $224.9K | 1,039 | 0.1% | 4 |
| ORACLE CORP | [ORCL](https://holderbook.com/stocks/ORCL/) | $223.5K | 1,525 | 0.1% | 7 |
| ISHARES TR | [IWB](https://holderbook.com/stocks/IWB/) | $212.9K | 520 | 0.1% | 1 |
| BLACKROCK ETF TRUST | [DYNF](https://holderbook.com/stocks/DYNF/) | $207.6K | 3,052 | 0.1% | 1 |
| VANGUARD WORLD FD | [VHT](https://holderbook.com/stocks/VHT/) | $207.2K | 693 | 0.1% | 27 |
| PULTE GROUP INC | [PHM](https://holderbook.com/stocks/PHM/) | $198.6K | 1,447 | 0.1% | 1 |
| VANGUARD INDEX FDS | [VXF](https://holderbook.com/stocks/VXF/) | $190.8K | 775 | 0.1% | 1 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $190.3K | 1,533 | 0.1% | 1 |
| VANGUARD ADMIRAL FDS INC | [IVOO](https://holderbook.com/stocks/IVOO/) | $187.3K | 1,436 | 0.1% | 1 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q2 2026 | +14.8% | +14.8% | -0.0% | 100% |
| Q1 2026 | -3.7% | -4.6% | +0.9% | 100% |
| Q4 2025 | +1.7% | +2.4% | -0.7% | 100% |
| Q3 2025 | +8.6% | +7.8% | +0.7% | 100% |
| Q2 2025 | +10.4% | +10.5% | -0.1% | 100% |
| Q1 2025 | -5.4% | -4.6% | -0.9% | 100% |
| Q4 2024 | +2.1% | +2.1% | -0.1% | 100% |
| Q3 2024 | +4.9% | +5.4% | -0.6% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $214.5M | 792 |
| Q1 2026 | $157.9M | 97 |
| Q4 2025 | $156.3M | 90 |
| Q3 2025 | $155.7M | 89 |
| Q2 2025 | $145.5M | 86 |
| Q1 2025 | $123.3M | 82 |
| Q4 2024 | $130.3M | 82 |
| Q3 2024 | $127.8M | 85 |
| Q2 2024 | $121.1M | 81 |
| Q1 2024 | $132.5M | 440 |
| Q4 2023 | $112.8M | 82 |
| Q3 2023 | $98.3M | 72 |