LifeSteps Financial, Inc.

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CIK 1801373

13F portfolio (2026-Q1)

$158M

Positions

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2025-Q4. A lagged quarterly snapshot (filed ≤45 days after quarter-end); excludes shorts, options, cash, and shares listed only on non-US exchanges — foreign companies held via a US listing or ADR (e.g. Alibaba, TSMC) ARE included.

Implied return what this book implies · modeled, not advice methodology →

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As filed = each book applied at its quarter-end (what the reported book did) · As copyable = applied at its statutory 45-day filing deadline (what a 13F follower could have earned).

Computing…

Hypothetical modeled performance constructed with hindsight — not actual results, and not indicative of future results. See the Disclaimer.

Exposures · what this manager owns, by sector & size (2026-Q1)

Holdings

Top 5

43.0%

Top 10

56.9%

Effective N

17.1

HHI

0.058

This quarter

8 new · 0 exit →

By sector

Unclassified61.2%

Information Technology16.5%

Financials6.1%

Consumer Discretionary5.3%

Health Care2.4%

Industrials2.3%

Communication Services2.2%

Energy1.8%

Other2.2%

By market cap

Unknown61.7%

Mega (>$200B)31.9%

Large ($10–200B)6.0%

Micro (<$300M)0.2%

Mid ($2–10B)0.1%

By region

Other61.2%

North America38.4%

Europe0.4%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	62.11%	41
Semiconductors & Semiconductor Equipment	5.88%	3
Technology Hardware & Equipment	5.04%	3
Specialty Retail	4.43%	5
Banks	4.43%	4
Software	3.76%	4
Pharmaceuticals & Biotechnology	2.38%	6
Software & IT Services	2.02%	4
Oil, Gas & Consumable Fuels	1.85%	2
Machinery	1.77%	4
Electrical Equipment & Components	1.03%	3
Beverages	0.92%	2
Commercial Services & Supplies	0.89%	3
Utilities	0.72%	2
Automobiles & Components	0.61%	1
Chemicals	0.37%	1
Media & Entertainment	0.32%	1
Communications Equipment	0.27%	1
Aerospace & Defense	0.26%	2
Diversified Telecommunication Services	0.23%	1
Hotels, Restaurants & Leisure	0.23%	1
Entertainment	0.17%	1
Capital Markets	0.16%	1
Paper & Forest Products	0.15%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	SPY	STATE STR SPDR S&P 500 ETF T	Unclassified	14.92%
2	QQQ	INVESCO QQQ TR	Unclassified	14.89%
3	NVDA	NVIDIA CORP	Information Technology	5.39%
4	AAPL	Apple Inc.	Information Technology	4.44%
5	MSFT	MICROSOFT CORP	Information Technology	3.34%
6	VTV	VANGUARD INDEX FDS	Unclassified	3.03%
7	IJH	ISHARES TR	Unclassified	2.95%
8	SDY	SPDR SER TR	Unclassified	2.85%
9	VYM	VANGUARD WHITEHALL FDS	Unclassified	2.71%
10	SCHD	SCHWAB STRATEGIC TR	Unclassified	2.35%

57/97 names classified · sector 38.8% of weight · industry 37.9% · mkt cap 38.3%; unclassified names shown, never dropped.

Sector allocation over time · how the GICS mix & top names shifted quarter by quarter

top 5/sector, rest → “Other” · 26 quarters

Information TechnologyAAPL, MSFT, NVDA, ADP, EMR · other

FinancialsUSB, JPM, BRK.B, CVBF, WFC · other

Consumer DiscretionaryAMZN, HD, TSLA, COST, WMT · other

Health CareABBV, JNJ, NVO, PFE, GNLX · other

Communication ServicesDIS, GOOG, VZ, META, GOOGL · other

IndustrialsITW, CAT, ASML, LUV, UBER · other

EnergyXOM, CVX, DVN, CNQ, EOG · other

UtilitiesNEE, SRE, EIX, DUK, ED · other

MaterialsPG, KMB, PPG, NUE, MLI · other

Consumer StaplesPEP, KO, MDLZ, CTVA, KR · other

Real EstateAMT, SPG, VICI, CCI, TWO · other

UnclassifiedSPY, QQQ, SPTS, ISHARES TR, Ishares Ibonds Dec · other

Sector is classified on each name's CURRENT fundamentals, not point-in-time — apparent sector drift can reflect the market re-rating a holding, not a manager trade. 13F is a lagged quarterly snapshot of long positions in US-listed securities only — foreign companies held via a US listing or ADR ARE included, but shares listed only on non-US exchanges (plus shorts, options and cash) are not. Latest quarter: 38.8% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2026-Q1), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 37% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (53 classified)LifeSteps Financial, Inc. centroid (Large Core)

Information TechnologyConsumer DiscretionaryFinancialsCommunication ServicesHealth CareIndustrialsEnergyConsumer StaplesUtilitiesMaterials

Style box summary for LifeSteps Financial, Inc.: centroid Large Core. Heaviest cells: Large Growth 20.3%, Large Value 8.2%, Large Core 7.9%.

Classified: 37.1% of book weight (53/97 names) · unclassified 62.9%: SPY, QQQ, VTV, IJH, SDY, VYM, SCHD, XLK, SCHM, IJS +34 more. Size: cap 70/20/10 bands; style: value/growth composite on our own metrics — not Morningstar's model.

Contribution holdings-based, any period

No contribution data for this period.

Holdings· 97 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	SPYSTATE STR SPDR S&P 500 ETF T	36,235	$24M	14.9%	ADD 7%
2	QQQINVESCO QQQ TR	40,747	$24M	14.9%	ADD 3%
3	NVDANVIDIA CORPORATION	48,795	$9M	5.4%	TRIM −2%
4	AAPLAPPLE INC	27,647	$7M	4.4%	HOLD
5	MSFTMICROSOFT CORP	14,258	$5M	3.3%	ADD 2%
6	VTVVANGUARD INDEX FDS	24,366	$5M	3.0%	HOLD
7	IJHISHARES TR	69,056	$5M	3.0%	ADD 9%
8	SDYSPDR SER TR	30,836	$5M	2.9%	ADD 6%
9	VYMVANGUARD WHITEHALL FDS	28,904	$4M	2.7%	HOLD
10	SCHDSCHWAB STRATEGIC TR	121,004	$4M	2.4%	ADD 6%
11	XLKSELECT SECTOR SPDR TR	27,711	$4M	2.3%	TRIM −4%
12	JPMJPMORGAN CHASE & CO	10,381	$3M	1.9%	ADD 3%
13	SCHMSCHWAB STRATEGIC TR	97,205	$3M	1.9%	ADD 6%
14	IJSISHARES TR	24,241	$3M	1.8%	ADD 21%
15	IWMISHARES TR	11,434	$3M	1.8%	TRIM −4%
16	USBUS BANCORP	50,379	$3M	1.7%	HOLD
17	AMZNAMAZON COM INC	10,486	$2M	1.4%	HOLD
18	XOMEXXON MOBIL CORP	11,948	$2M	1.3%	TRIM −5%
19	COSTCOSTCO WHSL CORP NEW	1,638	$2M	1.0%	ADD 5%
20	ABBVABBVIE INC	7,288	$2M	1.0%	HOLD
21	BRK.BBERKSHIRE HATHAWAY INC DEL	3,075	$1M	0.9%	HOLD
22	HDHOME DEPOT INC	4,401	$1M	0.9%	TRIM −3%
23	VUGVANGUARD INDEX FDS	3,257	$1M	0.9%	TRIM −17%
24	WMTWALMART INC	11,167	$1M	0.9%	ADD 13%
25	IVWISHARES TR	11,534	$1M	0.8%	HOLD
26	DFAXDIMENSIONAL ETF TRUST	38,283	$1M	0.8%	NEW
27	MGKVanguard Mega Cap Growth ETF	3,496	$1M	0.8%	TRIM −6%
28	CATCATERPILLAR INC	1,732	$1M	0.8%	HOLD
29	DFUSDIMENSIONAL ETF TRUST	16,282	$1M	0.7%	NEW
30	WFCWELLS FARGO CO NEW	13,888	$1M	0.7%	HOLD
31	KOCOCA COLA CO	14,226	$1M	0.7%	HOLD
32	GOOGALPHABET INC	3,707	$1M	0.7%	HOLD
33	DFLVDIMENSIONAL ETF TRUST	28,439	$1M	0.6%	NEW
34	JNJJOHNSON & JOHNSON	4,128	$1M	0.6%	HOLD
35	TSLATESLA INC	2,598	$965,807	0.6%	ADD 8%
36	CVXCHEVRON CORP NEW	4,317	$893,109	0.6%	HOLD
37	NEENEXTERA ENERGY INC	9,511	$883,382	0.6%	HOLD
38	ADPAUTOMATIC DATA PROCESSING IN	4,247	$862,954	0.5%	HOLD
39	EMREMERSON ELEC CO	5,739	$751,924	0.5%	HOLD
40	ITWILLINOIS TOOL WKS INC	2,658	$691,940	0.4%	HOLD
41	SCHGSCHWAB U.S. LARGE-CAP GROWTH ETF	23,325	$679,443	0.4%	TRIM −4%
42	GOOGLALPHABET INC	2,322	$667,714	0.4%	TRIM −2%
43	ASMLASML HOLDING N V	475	$627,394	0.4%	HOLD
44	MAMASTERCARD INCORPORATED	1,251	$625,009	0.4%	HOLD
45	METAMETA PLATFORMS INC	1,029	$588,722	0.4%	HOLD
46	PGPROCTER AND GAMBLE CO	4,054	$585,560	0.4%	HOLD
47	VOOVANGUARD INDEX FDS	969	$579,026	0.4%	HOLD
48	CSCOCISCO SYS INC	7,137	$553,760	0.4%	ADD 9%
49	USMVISHARES TR	5,822	$539,932	0.3%	HOLD
50	NFLXNETFLIX INC	5,269	$506,614	0.3%	HOLD
51	IVVISHARES TR	763	$498,399	0.3%	ADD 5%
52	GEGE AEROSPACE	1,700	$482,409	0.3%	HOLD
53	IJRISHARES TR	3,755	$466,784	0.3%	HOLD
54	AVGOBROADCOM INC	1,498	$463,646	0.3%	ADD 3%
55	UBERUBER TECHNOLOGIES INC	6,075	$436,975	0.3%	HOLD
56	QCOMQUALCOMM INC	3,323	$427,936	0.3%	HOLD
57	FHLCFIDELITY COVINGTON TRUST	5,816	$409,214	0.3%	TRIM −13%
58	XLFSELECT SECTOR SPDR TR	8,064	$398,120	0.3%	HOLD
59	MTUMISHARES TR	1,641	$393,824	0.2%	HOLD
60	GEVGE VERNOVA INC	449	$391,932	0.2%	HOLD
61	IBMINTERNATIONAL BUSINESS MACHS	1,581	$383,294	0.2%	ADD 22%
62	SCHVSCHWAB STRATEGIC TR	12,564	$383,203	0.2%	TRIM −7%
63	SCHBSCHWAB STRATEGIC TR	15,178	$380,959	0.2%	ADD 3%
64	PEPPEPSICO INC	2,425	$376,636	0.2%	HOLD
65	AMGNAMGEN INC	1,045	$367,683	0.2%	TRIM −16%
66	VZVERIZON COMMUNICATIONS INC	7,306	$366,775	0.2%	HOLD
67	SCHASCHWAB STRATEGIC TR	12,264	$356,645	0.2%	HOLD
68	MCDMCDONALDS CORP	1,147	$356,368	0.2%	HOLD
69	TSCOTRACTOR SUPPLY CO	7,720	$349,718	0.2%	ADD 11%
70	VVISA INC	1,145	$346,065	0.2%	TRIM −3%
71	SCHXSCHWAB U.S. LARGE-CAP ETF	13,397	$343,499	0.2%	HOLD
72	AMATAPPLIED MATLS INC	924	$315,814	0.2%	HOLD
73	VTIVANGUARD INDEX FDS	971	$311,507	0.2%	HOLD
74	DFCFDIMENSIONAL ETF TRUST	6,877	$290,347	0.2%	NEW
75	GNLXGENELUX CORPORATION	118,862	$287,646	0.2%	HOLD
76	NVONOVO-NORDISK A S	7,457	$274,045	0.2%	HOLD
77	DISDISNEY WALT CO	2,756	$265,611	0.2%	TRIM −17%
78	QDFFLEXSHARES TR	3,305	$261,392	0.2%	HOLD
79	LRCXLAM RESEARCH CORP	1,175	$251,051	0.2%	TRIM −8%
80	SRESEMPRA	2,564	$249,144	0.2%	HOLD
81	GSGOLDMAN SACHS GROUP INC	290	$245,337	0.2%	TRIM −5%
82	KMBKIMBERLY-CLARK CORP	2,525	$243,587	0.2%	HOLD
83	BANK AMERICA CORP	202	$241,117	0.2%	NEW
84	ORCLORACLE CORP	1,597	$234,978	0.1%	TRIM −2%
85	LLYELI LILLY & CO	253	$232,702	0.1%	TRIM −6%
86	VHTVANGUARD WORLD FD	818	$222,766	0.1%	HOLD
87	SFBSSERVISFIRST BANCSHARES INC	3,000	$218,490	0.1%	HOLD
88	PLTRPALANTIR TECHNOLOGIES INC	1,482	$216,787	0.1%	ADD 5%
89	IVEISHARES TR	1,013	$213,895	0.1%	TRIM −5%
90	BIVVANGUARD BD INDEX FDS	2,739	$211,396	0.1%	NEW
91	NOCNORTHROP GRUMMAN CORP	306	$208,765	0.1%	NEW
92	BABOEING CO	1,039	$206,793	0.1%	HOLD
93	SPTSSPDR SERIES TRUST	6,927	$202,130	0.1%	HOLD
94	FDVVFIDELITY COVINGTON TRUST	3,651	$201,663	0.1%	NEW
95	INTUINTUIT	466	$201,489	0.1%	HOLD
96	JPCNUVEEN PFD & INCOME OPPORTUN	11,520	$86,861	0.1%	HOLD
97	OXSQOXFORD SQUARE CAP CORP	10,000	$17,700	0.0%	HOLD

Position trends· top 15 holdings · shares held over 6 quarters

green added · red trimmed

Security

2024-Q4

2025-Q1

2025-Q2

2025-Q3

2025-Q4

2026-Q1

Latest value

SPYSTATE STR SPDR S&P 500 ETF T

30K

36K

34K

36K

$24M

QQQINVESCO QQQ TR

38K

41K

40K

41K

$24M

NVDANVIDIA CORPORATION

49K

48K

50K

49K

$9M

AAPLAPPLE INC

34K

31K

32K

31K

28K

$7M

MSFTMICROSOFT CORP

14K

$5M

VTVVANGUARD INDEX FDS

17K

20K

23K

24K

25K

24K

$5M

IJHISHARES TR

66K

65K

63K

69K

$5M

SDYSPDR SER TR

29K

31K

$5M

VYMVANGUARD WHITEHALL FDS

30K

29K

$4M

SCHDSCHWAB STRATEGIC TR

67K

90K

109K

112K

114K

121K

$4M

XLKSELECT SECTOR SPDR TR

15K

14K

29K

28K

$4M

JPMJPMORGAN CHASE & CO

10K

$3M

SCHMSCHWAB STRATEGIC TR

71K

78K

92K

91K

92K

97K

$3M

IJSISHARES TR

19K

21K

22K

20K

24K

$3M

IWMISHARES TR

12K

11K

$3M

Shares reported each quarter by the largest current holdings. Green = added vs the prior filing of that name, red = trimmed, grey = roughly held; a dash is a quarter with no 13F on file (a gap is skipped, not read as an exit). 13F is filed up to 45 days after quarter-end. Up to 40 quarters (10 years) available — use the selector above.

☆LifeSteps Financial, Inc.