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	1,365	12,076	SH		SOLE	0	12,076	0	0
INVESCO QQQ TRUST	ETF	46090E103	11,720	43,851	SH		SOLE	0	43,850	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF	81369Y803	2,101	17,684	SH		SOLE	0	17,684	0	0
STARBUCKS CORP COM	Stock	855244109	222	2,637	SH		SOLE	0	2,636	0	0
JOHNSON & JOHNSON COM	Stock	478160104	847	5,187	SH		SOLE	0	5,187	0	0
PROCTER AND GAMBLE CO COM	Stock	742718109	420	3,329	SH		SOLE	0	3,328	0	0
VANGUARD REAL ESTATE ETF	ETF	922908553	255	3,182	SH		SOLE	0	3,181	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	13,437	37,621	SH		SOLE	0	37,620	0	0
MASTERCARD INCORPORATED CL A	Stock	57636Q104	605	2,128	SH		SOLE	0	2,127	0	0
ILLINOIS TOOL WKS INC COM	Stock	452308109	443	2,454	SH		SOLE	0	2,454	0	0
EMERSON ELEC CO COM	Stock	291011104	309	4,223	SH		SOLE	0	4,223	0	0
ISHARES TIPS BOND ETF	ETF	464287176	989	9,429	SH		SOLE	0	9,429	0	0
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	325	8,548	SH		SOLE	0	8,547	0	0
PEPSICO INC COM	Stock	713448108	496	3,036	SH		SOLE	0	3,036	0	0
KIMBERLY-CLARK CORP COM	Stock	494368103	218	1,933	SH		SOLE	0	1,933	0	0
US BANCORP DEL COM NEW	Stock	902973304	2,041	50,617	SH		SOLE	0	50,617	0	0
HOME DEPOT INC COM	Stock	437076102	1,246	4,515	SH		SOLE	0	4,514	0	0
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	974	4,304	SH		SOLE	0	4,304	0	0
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	222	5,869	SH		SOLE	0	5,869	0	0
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	245	5,844	SH		SOLE	0	5,844	0	0
SCHWAB U.S. LARGE-CAP GROWTH ETF	ETF	808524300	519	9,306	SH		SOLE	0	9,306	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	935	10,729	SH		SOLE	0	10,729	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	843	3,156	SH		SOLE	0	3,156	0	0
VANGUARD SHORT-TERM CORPORATE BOND ETF	ETF	92206C409	220	2,966	SH		SOLE	0	2,966	0	0
ALPHABET INC CAP STK CL A	Stock	02079K305	307	3,210	SH		SOLE	0	3,210	0	0
INTUIT COM	Stock	461202103	215	554	SH		SOLE	0	554	0	0
MICROSOFT CORP COM	Stock	594918104	3,164	13,584	SH		SOLE	0	13,584	0	0
NEXTERA ENERGY INC COM	Stock	65339F101	750	9,565	SH		SOLE	0	9,564	0	0
TESLA INC COM	Stock	88160R101	681	2,568	SH		SOLE	0	2,568	0	0
VANGUARD HEALTH CARE ETF	ETF	92204A504	311	1,391	SH		SOLE	0	1,391	0	0
FINANCIAL SELECT SECTOR SPDR FUND	ETF	81369Y605	279	9,180	SH		SOLE	0	9,180	0	0
SCHWAB U.S. LARGE-CAP VALUE ETF	ETF	808524409	418	7,147	SH		SOLE	0	7,146	0	0
SCHWAB U.S. REIT ETF	ETF	808524847	396	21,206	SH		SOLE	0	21,205	0	0
SCHWAB U.S. MID-CAP ETF	ETF	808524508	1,710	28,258	SH		SOLE	0	28,257	0	0
SCHWAB 1-5 YEAR CORPORATE BOND ETF	ETF	808524714	433	9,357	SH		SOLE	0	9,357	0	0
ISHARES RUSSELL 2000 ETF	ETF	464287655	2,732	16,564	SH		SOLE	0	16,564	0	0
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	1,733	26,093	SH		SOLE	0	26,092	0	0
VISA INC COM CL A	Stock	92826C839	257	1,448	SH		SOLE	0	1,448	0	0
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	444	6,715	SH		SOLE	0	6,715	0	0
VANGUARD VALUE ETF	ETF	922908744	1,925	15,593	SH		SOLE	0	15,592	0	0
VANGUARD GROWTH ETF	ETF	922908736	1,417	6,623	SH		SOLE	0	6,622	0	0
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	511	22,471	SH		SOLE	0	22,471	0	0
ISHARES US TRANSPORTATION ETF	ETF	464287192	498	2,536	SH		SOLE	0	2,536	0	0
NVIDIA CORPORATION COM	Stock	67066G104	681	5,611	SH		SOLE	0	5,611	0	0
ABBVIE INC COM	Stock	00287Y109	982	7,316	SH		SOLE	0	7,315	0	0
VANGUARD TOTAL BOND MARKET ETF	ETF	921937835	286	4,014	SH		SOLE	0	4,014	0	0
FLEXSHARES QUALITY DIVIDEND INDEX FUND	ETF	33939L860	207	4,382	SH		SOLE	0	4,382	0	0
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	282	2,153	SH		SOLE	0	2,153	0	0
FIDELITY MSCI HEALTH CARE INDEX ETF	ETF	316092600	872	15,120	SH		SOLE	0	15,119	0	0
ISHARES S&P 500 GROWTH ETF	ETF	464287309	681	11,767	SH		SOLE	0	11,767	0	0
ISHARES CORE S&P 500 ETF	ETF	464287200	225	627	SH		SOLE	0	627	0	0
JPMORGAN CHASE & CO COM	Stock	46625H100	1,082	10,359	SH		SOLE	0	10,358	0	0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288638	421	8,728	SH		SOLE	0	8,728	0	0
CHEVRON CORP NEW COM	Stock	166764100	408	2,842	SH		SOLE	0	2,842	0	0
ISHARES NATIONAL MUNI BOND ETF	ETF	464288414	228	2,221	SH		SOLE	0	2,221	0	0
SPDR S&P DIVIDEND ETF	ETF	78464A763	3,606	32,337	SH		SOLE	0	32,337	0	0
WALMART INC COM	Stock	931142103	245	1,887	SH		SOLE	0	1,887	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	3,127	32,961	SH		SOLE	0	32,961	0	0
PFIZER INC COM	Stock	717081103	368	8,418	SH		SOLE	0	8,417	0	0
CATERPILLAR INC COM	Stock	149123101	275	1,674	SH		SOLE	0	1,674	0	0
ALPHABET INC CAP STK CL C	Stock	02079K107	500	5,200	SH		SOLE	0	5,200	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	1,855	22,494	SH		SOLE	0	22,494	0	0
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	603	13,558	SH		SOLE	0	13,558	0	0
VANGUARD LONG-TERM BOND ETF	ETF	921937793	335	4,660	SH		SOLE	0	4,660	0	0
VANGUARD MEGA CAP GROWTH ETF	ETF	921910816	990	5,682	SH		SOLE	0	5,681	0	0
EXXON MOBIL CORP COM	Stock	30231G102	598	6,847	SH		SOLE	0	6,847	0	0
UNITEDHEALTH GROUP INC COM	Stock	91324P102	232	459	SH		SOLE	0	459	0	0
NOVO-NORDISK A S ADR	ADR	670100205	360	3,618	SH		SOLE	0	3,618	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	3,927	17,910	SH		SOLE	0	17,910	0	0
APPLE INC COM	Stock	037833100	5,443	39,386	SH		SOLE	0	39,386	0	0
DISNEY WALT CO COM	Stock	254687106	480	5,083	SH		SOLE	0	5,083	0	0