RHS 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

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

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
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	591	18,876	SH		SOLE		0	0	18,876
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	2,405	102,412	SH		SOLE		0	0	102,412
DBX ETF TR	XTRACK USD HIGH	233051432	330	7,492	SH		SOLE		0	0	7,492
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	787	15,219	SH		SOLE		0	0	15,219
AUDIOCODES LTD	ORD	M15342104	297	12,425	SH		SOLE		0	0	12,425
GOLDMAN SACHS ETF TR	ACCES TREASURY	381430529	267	2,652	SH		SOLE		0	0	2,652
SCHWAB STRATEGIC TR	INTRM TRM TRES	808524854	2,480	42,186	SH		SOLE		0	0	42,186
ISHARES TR	0-5YR HI YL CP	46434V407	218	5,328	SH		SOLE		0	0	5,328
APPLE INC	COM	037833100	805	3,165	SH		SOLE		0	0	3,165
ISHARES INC	ESG MSCI EM ETF	46434G863	639	23,357	SH		SOLE		0	0	23,357
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	4,414	43,701	SH		SOLE		0	0	43,701
UBS AG LONDON BRANCH	ETRACS UBS BLOOM	90274D390	1,077	98,318	SH		SOLE		0	0	98,318
WISDOMTREE TR	CBOE S&P 500	97717X560	2,315	102,842	SH		SOLE		0	0	102,842
WISDOMTREE TR	90/60 BALNCED FD	97717Y790	1,824	70,810	SH		SOLE		0	0	70,810
INDEXIQ ETF TR	IQ MRGR ARB ETF	45409B800	834	27,676	SH		SOLE		0	0	27,676
UBS AG LONDON BRANCH	ETRACS MP2X DJ	90268G607	566	13,686	SH		SOLE		0	0	13,686
ISHARES TR	MSCI MIN VOL ETF	46429B697	4,799	88,848	SH		SOLE		0	0	88,848
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	2,658	126,384	SH		SOLE		0	0	126,384
ISHARES TR	0-5 YR TIPS ETF	46429B747	831	8,320	SH		SOLE		0	0	8,320
PIMCO ETF TR	25YR+ ZERO U S	72201R882	303	1,736	SH		SOLE		0	0	1,736
ISHARES INC	JP MORGAN EM ETF	464286517	1,575	42,078	SH		SOLE		0	0	42,078
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	1,479	57,250	SH		SOLE		0	0	57,250
ALPHABET INC	CAP STK CL A	02079K305	327	281	SH		SOLE		0	0	281
ISHARES INC	MSCI GBL GOLD MN	46434G855	1,234	64,415	SH		SOLE		0	0	64,415
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	1,366	22,603	SH		SOLE		0	0	22,603
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	839	15,457	SH		SOLE		0	0	15,457
BLACKROCK CORE BD TR	SHS BEN INT	09249E101	3,497	264,293	SH		SOLE		0	0	264,293
UNITED STS COMMODITY INDEX F	COMM IDX FND	911717106	359	13,859	SH		SOLE		0	0	13,859
PENNANTPARK INVT CORP	COM	708062104	46	17,810	SH		SOLE		0	0	17,810
ISHARES TR	ESG MSCI USA ETF	46435G425	292	5,085	SH		SOLE		0	0	5,085
ISHARES TR	MIN VOL EAFE ETF	46429B689	4,298	69,269	SH		SOLE		0	0	69,269
INVESCO EXCHANGE-TRADED FD T	SR LN ETF	46138G508	247	12,093	SH		SOLE		0	0	12,093
ISHARES TR	MULTIFACTOR INTL	46434V274	2,061	101,704	SH		SOLE		0	0	101,704
ISHARES TR	MLTFCTR INTL SML	46434V266	1,125	49,242	SH		SOLE		0	0	49,242
ISHARES TR	CALIF MUN BD ETF	464288356	823	13,595	SH		SOLE		0	0	13,595
ISHARES TR	USD INV GRDE ETF	464288620	2,440	43,563	SH		SOLE		0	0	43,563
PIMCO ETF TR	INV GRD CRP BD	72201R817	434	4,104	SH		SOLE		0	0	4,104
VANGUARD WORLD FD	EXTENDED DUR	921910709	2,448	14,600	SH		SOLE		0	0	14,600
PIMCO EQUITY SER	RAFI ESG US	72201T342	282	15,023	SH		SOLE		0	0	15,023
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	357	10,709	SH		SOLE		0	0	10,709
MICROSOFT CORP	COM	594918104	1,180	7,481	SH		SOLE		0	0	7,481
SPDR SER TR	PORTFOLIO LN TSR	78464A664	727	15,382	SH		SOLE		0	0	15,382
INVESCO EXCHANGE-TRADED FD T	S&P INTL LOW	46138E230	2,210	84,076	SH		SOLE		0	0	84,076
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	1,094	52,867	SH		SOLE		0	0	52,867
QUEST DIAGNOSTICS INC	COM	74834L100	316	3,935	SH		SOLE		0	0	3,935
ISHARES TR	USA MOMENTUM FCT	46432F396	709	6,661	SH		SOLE		0	0	6,661
ISHARES TR	SH TR CRPORT ETF	464288646	631	12,057	SH		SOLE		0	0	12,057
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	1,333	23,173	SH		SOLE		0	0	23,173
INVESCO EXCHANGE-TRADED FD T	S&P500 LOW VOL	46138E354	615	13,117	SH		SOLE		0	0	13,117
ISHARES INC	MIN VOL EMRG MKT	464286533	2,540	54,144	SH		SOLE		0	0	54,144
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	365	2,832	SH		SOLE		0	0	2,832
ISHARES TR	ESG MSCI EAFE	46435G516	672	12,640	SH		SOLE		0	0	12,640
ISHARES INC	MLT FCTR EMG MKT	46434G889	2,701	78,633	SH		SOLE		0	0	78,633
VANGUARD INDEX FDS	GROWTH ETF	922908736	445	2,840	SH		SOLE		0	0	2,840
MCDONALDS CORP	COM	580135101	391	2,362	SH		SOLE		0	0	2,362
GLOBAL X FDS	US PFD ETF	37954Y657	1,211	55,364	SH		SOLE		0	0	55,364
INVESCO QQQ TR	UNIT SER 1	46090E103	379	1,988	SH		SOLE		0	0	1,988
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	294	2,841	SH		SOLE		0	0	2,841
ORACLE CORP	COM	68389X105	208	4,310	SH		SOLE		0	0	4,310
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	293	4,665	SH		SOLE		0	0	4,665
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	2,380	115,769	SH		SOLE		0	0	115,769