# EDGAR Filing Document

**Accession Number:** 0001801373
**File Stem:** 0001801373-25-000004
**Filing Date:** 2025-7
**Character Count:** 12351
**Document Hash:** 450b6fbd24b90b9fdbcbebb2cb4129cb
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001801373-25-000004.hdr.sgml**: 20250723

**ACCESSION NUMBER**: 0001801373-25-000004

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250723

**DATE AS OF CHANGE**: 20250723

**EFFECTIVENESS DATE**: 20250723

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** LifeSteps Financial, Inc.
- **CENTRAL INDEX KEY:** 0001801373

**ORGANIZATION NAME:**
- **EIN:** 270582904
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19720
- **FILM NUMBER:** 251143816

**BUSINESS ADDRESS:**
- **STREET 1:** 250 W. FIRST ST. #248
- **CITY:** CLAREMONT
- **STATE:** CA
- **ZIP:** 91711
- **BUSINESS PHONE:** 909-2673770

**MAIL ADDRESS:**
- **STREET 1:** 250 W. FIRST ST. #248
- **CITY:** CLAREMONT
- **STATE:** CA
- **ZIP:** 91711

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** LifeSteps Financial Inc.<br>**Address:** 250 W. FIRST ST. #248<br>CLAREMONT, CA 91711

**Form 13F File Number:** 028-19720

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** GLADYS E LIMONES<br>**Title:** SR ADMIN<br>**Phone:** 909-267-3770

**Signature, Place, and Date of Signing:**

GLADYS E LIMONES  CLAREMONT, CA  07-23-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 86

**Form 13F Information Table Value Total:** $145532936

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| AMAZON COM INC COM | Stock | 023135106 |  | 2155287 | 9824 | SH |  | SOLE | 0 | 9824 | 0 | 0 |
| INVESCO QQQ TRUST SERIES I | ETF | 46090E103 |  | 22783482 | 41301 | SH |  | SOLE | 0 | 41301 | 0 | 0 |
| TECHNOLOGY SELECT SECTOR SPDR FUND | ETF | 81369Y803 |  | 3700476 | 14613 | SH |  | SOLE | 0 | 14613 | 0 | 0 |
| JOHNSON  JOHNSON COM | Stock | 478160104 |  | 675500 | 4422 | SH |  | SOLE | 0 | 4422 | 0 | 0 |
| VANGUARD TOTAL STOCK MARKET ETF | ETF | 922908769 |  | 301802 | 993 | SH |  | SOLE | 0 | 993 | 0 | 0 |
| COSTCO WHSL CORP NEW COM | Stock | 22160K105 |  | 1531973 | 1548 | SH |  | SOLE | 0 | 1547 | 0 | 0 |
| GOLDMAN SACHS GROUP INC COM | Stock | 38141G104 |  | 244174 | 345 | SH |  | SOLE | 0 | 345 | 0 | 0 |
| PROCTER AND GAMBLE CO COM | Stock | 742718109 |  | 645883 | 4054 | SH |  | SOLE | 0 | 4054 | 0 | 0 |
| COCA COLA CO COM | Stock | 191216100 |  | 985574 | 13930 | SH |  | SOLE | 0 | 13930 | 0 | 0 |
| NETFLIX INC COM | Stock | 64110L106 |  | 692330 | 517 | SH |  | SOLE | 0 | 517 | 0 | 0 |
| SPDR S 500 ETF TRUST | ETF | 78462F103 |  | 22486646 | 36395 | SH |  | SOLE | 0 | 36394 | 0 | 0 |
| MASTERCARD INCORPORATED CL A | Stock | 57636Q104 |  | 697609 | 1241 | SH |  | SOLE | 0 | 1241 | 0 | 0 |
| ILLINOIS TOOL WKS INC COM | Stock | 452308109 |  | 674947 | 2730 | SH |  | SOLE | 0 | 2729 | 0 | 0 |
| EMERSON ELEC CO COM | Stock | 291011104 |  | 771181 | 5784 | SH |  | SOLE | 0 | 5784 | 0 | 0 |
| VERIZON COMMUNICATIONS INC COM | Stock | 92343V104 |  | 322200 | 7446 | SH |  | SOLE | 0 | 7446 | 0 | 0 |
| PEPSICO INC COM | Stock | 713448108 |  | 341259 | 2585 | SH |  | SOLE | 0 | 2584 | 0 | 0 |
| KIMBERLY-CLARK CORP COM | Stock | 494368103 |  | 325523 | 2525 | SH |  | SOLE | 0 | 2525 | 0 | 0 |
| US BANCORP DEL COM NEW | Stock | 902973304 |  | 2296709 | 50756 | SH |  | SOLE | 0 | 50756 | 0 | 0 |
| HOME DEPOT INC COM | Stock | 437076102 |  | 1779721 | 4854 | SH |  | SOLE | 0 | 4854 | 0 | 0 |
| AUTOMATIC DATA PROCESSING INC COM | Stock | 053015103 |  | 1315091 | 4264 | SH |  | SOLE | 0 | 4264 | 0 | 0 |
| SCHWAB U.S. SMALL-CAP ETF | ETF | 808524607 |  | 299476 | 11837 | SH |  | SOLE | 0 | 11837 | 0 | 0 |
| ISHARES RUSSELL 1000 GROWTH ETF | ETF | 464287614 |  | 225046 | 530 | SH |  | SOLE | 0 | 530 | 0 | 0 |
| SCHWAB U.S. BROAD MARKET ETF | ETF | 808524102 |  | 334840 | 14051 | SH |  | SOLE | 0 | 14051 | 0 | 0 |
| SCHWAB U.S. LARGE-CAP ETF | ETF | 808524201 |  | 343822 | 14068 | SH |  | SOLE | 0 | 14068 | 0 | 0 |
| SCHWAB U.S. LARGE-CAP GROWTH ETF | ETF | 808524300 |  | 710448 | 24322 | SH |  | SOLE | 0 | 24322 | 0 | 0 |
| ISHARES CORE S SMALL CAP ETF | ETF | 464287804 |  | 422952 | 3870 | SH |  | SOLE | 0 | 3870 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | 084670702 |  | 1564665 | 3221 | SH |  | SOLE | 0 | 3221 | 0 | 0 |
| ALPHABET INC CAP STK CL A | Stock | 02079K305 |  | 446038 | 2531 | SH |  | SOLE | 0 | 2531 | 0 | 0 |
| INTUIT COM | Stock | 461202103 |  | 357584 | 454 | SH |  | SOLE | 0 | 454 | 0 | 0 |
| MICROSOFT CORP COM | Stock | 594918104 |  | 6939769 | 13952 | SH |  | SOLE | 0 | 13951 | 0 | 0 |
| OXFORD SQUARE CAP CORP COM | CEF | 69181V107 |  | 22300 | 10000 | SH |  | SOLE | 0 | 10000 | 0 | 0 |
| NEXTERA ENERGY INC COM | Stock | 65339F101 |  | 666154 | 9596 | SH |  | SOLE | 0 | 9596 | 0 | 0 |
| TESLA INC COM | Stock | 88160R101 |  | 862765 | 2716 | SH |  | SOLE | 0 | 2716 | 0 | 0 |
| VANGUARD HEALTH CARE ETF | ETF | 92204A504 |  | 220579 | 888 | SH |  | SOLE | 0 | 888 | 0 | 0 |
| FINANCIAL SELECT SECTOR SPDR FUND | ETF | 81369Y605 |  | 398169 | 7603 | SH |  | SOLE | 0 | 7603 | 0 | 0 |
| SCHWAB U.S. LARGE-CAP VALUE ETF | ETF | 808524409 |  | 374829 | 13546 | SH |  | SOLE | 0 | 13546 | 0 | 0 |
| VANGUARD S 500 ETF | ETF | 922908363 |  | 561214 | 988 | SH |  | SOLE | 0 | 988 | 0 | 0 |
| UBER TECHNOLOGIES INC COM | Stock | 90353T100 |  | 566704 | 6074 | SH |  | SOLE | 0 | 6074 | 0 | 0 |
| SERVISFIRST BANCSHARES INC COM | Stock | 81768T108 |  | 232530 | 3000 | SH |  | SOLE | 0 | 3000 | 0 | 0 |
| ELI LILLY  CO COM | Stock | 532457108 |  | 297780 | 382 | SH |  | SOLE | 0 | 382 | 0 | 0 |
| SCHWAB U.S. MID-CAP ETF | ETF | 808524508 |  | 2568219 | 91559 | SH |  | SOLE | 0 | 91558 | 0 | 0 |
| ISHARES RUSSELL 2000 ETF | ETF | 464287655 |  | 2657501 | 12315 | SH |  | SOLE | 0 | 12315 | 0 | 0 |
| SCHWAB US DIVIDEND EQUITY ETF | ETF | 808524797 |  | 2877681 | 108592 | SH |  | SOLE | 0 | 108591 | 0 | 0 |
| TRACTOR SUPPLY CO COM | Stock | 892356106 |  | 353734 | 6703 | SH |  | SOLE | 0 | 6703 | 0 | 0 |
| VISA INC COM CL A | Stock | 92826C839 |  | 422510 | 1190 | SH |  | SOLE | 0 | 1190 | 0 | 0 |
| ISHARES MSCI USA MIN VOL FACTOR ETF | ETF | 46429B697 |  | 566505 | 6035 | SH |  | SOLE | 0 | 6035 | 0 | 0 |
| VANGUARD VALUE ETF | ETF | 922908744 |  | 4152279 | 23494 | SH |  | SOLE | 0 | 23493 | 0 | 0 |
| VANGUARD GROWTH ETF | ETF | 922908736 |  | 1910448 | 4358 | SH |  | SOLE | 0 | 4357 | 0 | 0 |
| META PLATFORMS INC CL A | Stock | 30303M102 |  | 729233 | 988 | SH |  | SOLE | 0 | 988 | 0 | 0 |
| ASML HOLDING N V N Y REGISTRY SHS | ADR | N07059210 |  | 380660 | 475 | SH |  | SOLE | 0 | 475 | 0 | 0 |
| BROADCOM INC COM | Stock | 11135F101 |  | 401071 | 1455 | SH |  | SOLE | 0 | 1455 | 0 | 0 |
| NVIDIA CORPORATION COM | Stock | 67066G104 |  | 7957533 | 50367 | SH |  | SOLE | 0 | 50367 | 0 | 0 |
| GENELUX CORPORATION COM | Stock | 36870H103 |  | 279019 | 97219 | SH |  | SOLE | 0 | 97219 | 0 | 0 |
| ABBVIE INC COM | Stock | 00287Y109 |  | 1365771 | 7358 | SH |  | SOLE | 0 | 7357 | 0 | 0 |
| QUALCOMM INC COM | Stock | 747525103 |  | 538936 | 3384 | SH |  | SOLE | 0 | 3384 | 0 | 0 |
| MCDONALDS CORP COM | Stock | 580135101 |  | 317779 | 1088 | SH |  | SOLE | 0 | 1087 | 0 | 0 |
| FLEXSHARES QUALITY DIVIDEND INDEX FUND | ETF | 33939L860 |  | 241860 | 3305 | SH |  | SOLE | 0 | 3305 | 0 | 0 |
| CISCO SYS INC COM | Stock | 17275R102 |  | 447293 | 6447 | SH |  | SOLE | 0 | 6447 | 0 | 0 |
| GE VERNOVA INC COM | Stock | 36828A101 |  | 242880 | 459 | SH |  | SOLE | 0 | 459 | 0 | 0 |
| GE AEROSPACE COM NEW | Stock | 369604301 |  | 449146 | 1745 | SH |  | SOLE | 0 | 1745 | 0 | 0 |
| SPDR PORTFOLIO SHORT TERM TREASURY ETF | ETF | 78468R101 |  | 202892 | 6927 | SH |  | SOLE | 0 | 6927 | 0 | 0 |
| ISHARES MSCI USA MOMENTUM FACTOR ETF | ETF | 46432F396 |  | 450840 | 1876 | SH |  | SOLE | 0 | 1876 | 0 | 0 |
| FIDELITY MSCI HEALTH CARE INDEX ETF | ETF | 316092600 |  | 481927 | 7536 | SH |  | SOLE | 0 | 7536 | 0 | 0 |
| ISHARES S 500 GROWTH ETF | ETF | 464287309 |  | 1211100 | 11000 | SH |  | SOLE | 0 | 11000 | 0 | 0 |
| ISHARES CORE S 500 ETF | ETF | 464287200 |  | 389304 | 627 | SH |  | SOLE | 0 | 627 | 0 | 0 |
| WELLS FARGO CO NEW COM | Stock | 949746101 |  | 1132115 | 14130 | SH |  | SOLE | 0 | 14130 | 0 | 0 |
| JPMORGAN CHASE  CO. COM | Stock | 46625H100 |  | 2966357 | 10232 | SH |  | SOLE | 0 | 10231 | 0 | 0 |
| CHEVRON CORP NEW COM | Stock | 166764100 |  | 676674 | 4726 | SH |  | SOLE | 0 | 4725 | 0 | 0 |
| SPDR S DIVIDEND ETF | ETF | 78464A763 |  | 3983355 | 29348 | SH |  | SOLE | 0 | 29347 | 0 | 0 |
| WALMART INC COM | Stock | 931142103 |  | 1041690 | 10653 | SH |  | SOLE | 0 | 10653 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS COM | Stock | 459200101 |  | 380461 | 1291 | SH |  | SOLE | 0 | 1290 | 0 | 0 |
| ORACLE CORP COM | Stock | 68389X105 |  | 344844 | 1577 | SH |  | SOLE | 0 | 1577 | 0 | 0 |
| VANGUARD HIGH DIVIDEND YIELD INDEX ETF | ETF | 921946406 |  | 3969564 | 29777 | SH |  | SOLE | 0 | 29776 | 0 | 0 |
| CATERPILLAR INC COM | Stock | 149123101 |  | 677038 | 1744 | SH |  | SOLE | 0 | 1744 | 0 | 0 |
| ALPHABET INC CAP STK CL C | Stock | 02079K107 |  | 718075 | 4048 | SH |  | SOLE | 0 | 4048 | 0 | 0 |
| AMGEN INC COM | Stock | 031162100 |  | 406251 | 1455 | SH |  | SOLE | 0 | 1455 | 0 | 0 |
| APPLIED MATLS INC COM | Stock | 038222105 |  | 205038 | 1120 | SH |  | SOLE | 0 | 1120 | 0 | 0 |
| NUVEEN PFD  INCOME OPPORTUNIT COM | CEF | 67073B106 |  | 92390 | 11520 | SH |  | SOLE | 0 | 11520 | 0 | 0 |
| ISHARES S SMALL-CAP 600 VALUE ETF | ETF | 464287879 |  | 2140173 | 21511 | SH |  | SOLE | 0 | 21511 | 0 | 0 |
| VANGUARD MEGA CAP GROWTH ETF | ETF | 921910816 |  | 1369965 | 3741 | SH |  | SOLE | 0 | 3741 | 0 | 0 |
| EXXON MOBIL CORP COM | Stock | 30231G102 |  | 1345492 | 12481 | SH |  | SOLE | 0 | 12481 | 0 | 0 |
| NOVO-NORDISK A S ADR | ADR | 670100205 |  | 506607 | 7340 | SH |  | SOLE | 0 | 7340 | 0 | 0 |
| ISHARES CORE S MID-CAP ETF | ETF | 464287507 |  | 4122150 | 66465 | SH |  | SOLE | 0 | 66464 | 0 | 0 |
| APPLE INC COM | Stock | 037833100 |  | 6515547 | 31757 | SH |  | SOLE | 0 | 31756 | 0 | 0 |
| ABBOTT LABS COM | Stock | 002824100 |  | 266716 | 1961 | SH |  | SOLE | 0 | 1961 | 0 | 0 |
| DISNEY WALT CO COM | Stock | 254687106 |  | 501282 | 4042 | SH |  | SOLE | 0 | 4042 | 0 | 0 |

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