LifeSteps Financial 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
AMAZON COM INC COM	Stock	023135106	2,694	808	SH		SOLE	0	808	0	0
INVESCO QQQ TRUST	ETF	46090E103	18,357	46,140	SH		SOLE	0	46,139	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF	81369Y803	4,003	23,020	SH		SOLE	0	23,020	0	0
STARBUCKS CORP COM	Stock	855244109	311	2,663	SH		SOLE	0	2,663	0	0
JOHNSON & JOHNSON COM	Stock	478160104	892	5,212	SH		SOLE	0	5,212	0	0
GOLDMAN SACHS GROUP INC COM	Stock	38141G104	229	598	SH		SOLE	0	598	0	0
PROCTER AND GAMBLE CO COM	Stock	742718109	544	3,325	SH		SOLE	0	3,325	0	0
UNITED PARCEL SERVICE INC CL B	Stock	911312106	222	1,036	SH		SOLE	0	1,036	0	0
VANGUARD REAL ESTATE ETF	ETF	922908553	449	3,873	SH		SOLE	0	3,872	0	0
NETFLIX INC COM	Stock	64110L106	370	614	SH		SOLE	0	614	0	0
SPDR S&P 500 ETF	ETF	78462F103	20,125	42,372	SH		SOLE	0	42,372	0	0
MASTERCARD INCORPORATED CL A	Stock	57636Q104	899	2,501	SH		SOLE	0	2,501	0	0
ILLINOIS TOOL WKS INC COM	Stock	452308109	523	2,121	SH		SOLE	0	2,121	0	0
EMERSON ELEC CO COM	Stock	291011104	380	4,090	SH		SOLE	0	4,090	0	0
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	467	8,990	SH		SOLE	0	8,989	0	0
PEPSICO INC COM	Stock	713448108	353	2,030	SH		SOLE	0	2,029	0	0
KIMBERLY-CLARK CORP COM	Stock	494368103	308	2,158	SH		SOLE	0	2,158	0	0
US BANCORP DEL COM NEW	Stock	902973304	2,787	49,617	SH		SOLE	0	49,617	0	0
HOME DEPOT INC COM	Stock	437076102	1,853	4,465	SH		SOLE	0	4,464	0	0
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	925	3,753	SH		SOLE	0	3,753	0	0
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	326	3,181	SH		SOLE	0	3,181	0	0
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	336	2,973	SH		SOLE	0	2,973	0	0
SCHWAB U.S. LARGE-CAP ETF	ETF	808524201	283	2,487	SH		SOLE	0	2,487	0	0
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	805	4,918	SH		SOLE	0	4,918	0	0
PIMCO ENHANCED SHORT MATURITY ACTIVE EXCHANGE-TRADED FUND	ETF	72201R833	2,051	20,199	SH		SOLE	0	20,199	0	0
ISHARES S&P SMALL-CAP FUND	ETF	464287804	1,882	16,436	SH		SOLE	0	16,435	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	861	2,879	SH		SOLE	0	2,879	0	0
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND	ETF	92206C409	245	3,011	SH		SOLE	0	3,011	0	0
ALPHABET INC CAP STK CL A	Stock	02079K305	458	158	SH		SOLE	0	158	0	0
INTUIT COM	Stock	461202103	356	554	SH		SOLE	0	554	0	0
MICROSOFT CORP COM	Stock	594918104	4,431	13,174	SH		SOLE	0	13,174	0	0
NEXTERA ENERGY INC COM	Stock	65339F101	921	9,864	SH		SOLE	0	9,863	0	0
TESLA INC COM	Stock	88160R101	970	918	SH		SOLE	0	918	0	0
VANGUARD HEALTH CARE INDEX FUND	ETF	92204A504	478	1,793	SH		SOLE	0	1,793	0	0
FINANCIAL SELECT SECTOR SPDR FUND	ETF	81369Y605	416	10,656	SH		SOLE	0	10,656	0	0
SCHWAB SHORT-TERM U.S. TREASURY ETF	ETF	808524862	4,590	90,260	SH		SOLE	0	90,260	0	0
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	537	7,339	SH		SOLE	0	7,339	0	0
SCHWAB U.S. REIT ETF	ETF	808524847	599	11,370	SH		SOLE	0	11,370	0	0
SCHWAB U.S. MID-CAP ETF	ETF	808524508	2,715	33,754	SH		SOLE	0	33,754	0	0
ISHARES RUSSELL 2000 ETF	ETF	464287655	4,121	18,528	SH		SOLE	0	18,527	0	0
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	2,365	29,254	SH		SOLE	0	29,253	0	0
TRACTOR SUPPLY CO COM	Stock	892356106	219	917	SH		SOLE	0	917	0	0
VISA INC COM CL A	Stock	92826C839	331	1,528	SH		SOLE	0	1,528	0	0
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	551	6,805	SH		SOLE	0	6,805	0	0
VANGUARD VALUE INDEX FUND	ETF	922908744	1,381	9,389	SH		SOLE	0	9,388	0	0
VANGUARD GROWTH INDEX FUND	ETF	922908736	2,185	6,809	SH		SOLE	0	6,808	0	0
META PLATFORMS INC CL A	Stock	30303M102	505	1,502	SH		SOLE	0	1,502	0	0
ISHARES U.S. TRANSPORTATION ETF	ETF	464287192	1,067	3,860	SH		SOLE	0	3,860	0	0
NVIDIA CORPORATION COM	Stock	67066G104	1,772	6,025	SH		SOLE	0	6,025	0	0
ABBVIE INC COM	Stock	00287Y109	999	7,381	SH		SOLE	0	7,380	0	0
FLEXSHARES QUALITY DIVIDEND INDEX FUND	ETF	33939L860	269	4,382	SH		SOLE	0	4,382	0	0
SPDR PORTFOLIO SHORT TERM TREASURY ETF	ETF	78468R101	9,230	303,327	SH		SOLE	0	303,326	0	0
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	397	2,186	SH		SOLE	0	2,186	0	0
FIDELITY MSCI HEALTH CARE INDEX ETF	ETF	316092600	1,594	23,221	SH		SOLE	0	23,221	0	0
ISHARES S&P 500 GROWTH ETF	ETF	464287309	985	11,767	SH		SOLE	0	11,767	0	0
ISHARES CORE S&P 500 ETF	ETF	464287200	299	627	SH		SOLE	0	627	0	0
JPMORGAN CHASE & CO COM	Stock	46625H100	1,443	9,115	SH		SOLE	0	9,114	0	0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288638	529	8,928	SH		SOLE	0	8,928	0	0
CHEVRON CORP NEW COM	Stock	166764100	309	2,637	SH		SOLE	0	2,637	0	0
BK OF AMERICA CORP COM	Stock	060505104	253	5,690	SH		SOLE	0	5,690	0	0
SPDR S&P DIVIDEND ETF	ETF	78464A763	4,295	33,265	SH		SOLE	0	33,265	0	0
WALMART INC COM	Stock	931142103	295	2,036	SH		SOLE	0	2,036	0	0
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	283	5,717	SH		SOLE	0	5,716	0	0
VANGUARD HIGH DIVIDEND YIELD ETF	ETF	921946406	4,223	37,671	SH		SOLE	0	37,670	0	0
PFIZER INC COM	Stock	717081103	473	8,010	SH		SOLE	0	8,010	0	0
CATERPILLAR INC COM	Stock	149123101	327	1,584	SH		SOLE	0	1,584	0	0
ALPHABET INC CAP STK CL C	Stock	02079K107	796	275	SH		SOLE	0	275	0	0
AMGEN INC COM	Stock	031162100	254	1,128	SH		SOLE	0	1,128	0	0
ISHARES S&P SMALL-CAP 600 VALUE ETF	ETF	464287879	2,135	20,435	SH		SOLE	0	20,435	0	0
VANGUARD SHORT-TERM BOND INDEX FUND	ETF	921937827	1,436	17,768	SH		SOLE	0	17,767	0	0
VANGUARD MEGA CAP GROWTH ETF	ETF	921910816	573	2,199	SH		SOLE	0	2,199	0	0
EXXON MOBIL CORP COM	Stock	30231G102	307	5,024	SH		SOLE	0	5,024	0	0
UNITEDHEALTH GROUP INC COM	Stock	91324P102	230	459	SH		SOLE	0	459	0	0
SOUTHWEST AIRLS CO COM	Stock	844741108	461	10,754	SH		SOLE	0	10,754	0	0
NOVO-NORDISK A S ADR	ADR	670100205	405	3,618	SH		SOLE	0	3,618	0	0
ISHARES S&P MIDCAP FUND	ETF	464287507	5,835	20,614	SH		SOLE	0	20,614	0	0
APPLE INC COM	Stock	037833100	6,784	38,206	SH		SOLE	0	38,206	0	0
ABBOTT LABS COM	Stock	002824100	273	1,941	SH		SOLE	0	1,941	0	0
DISNEY WALT CO COM	Stock	254687106	1,136	7,336	SH		SOLE	0	7,336	0	0