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

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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
VANGUARD INDEX FDS	VALUE ETF	922908744	324	2,917	SH		SOLE		0	0	2,917
ISHARES INC	MLT FCTR EMG MKT	46434G889	1,589	37,709	SH		SOLE		0	0	37,709
ISHARES INC	JP MORGAN EM ETF	464286517	1,048	22,655	SH		SOLE		0	0	22,655
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	1,024	26,173	SH		SOLE		0	0	26,173
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	382	6,792	SH		SOLE		0	0	6,792
INDEXIQ ETF TR	IQ MRGR ARB ETF	45409B800	852	27,019	SH		SOLE		0	0	27,019
ISHARES INC	MSCI GBL GOLD MN	46434G855	370	18,139	SH		SOLE		0	0	18,139
MCDONALDS CORP	COM	580135101	547	2,632	SH		SOLE		0	0	2,632
INVESCO EXCHNG TRADED FD TR	S&P INTL LOW	46138E230	2,998	88,560	SH		SOLE		0	0	88,560
VANGUARD INDEX FDS	SMALL CP ETF	922908751	228	1,454	SH		SOLE		0	0	1,454
GLOBAL X FDS	US PFD ETF	37954Y657	1,046	42,633	SH		SOLE		0	0	42,633
ISHARES TR	MIN VOL EAFE ETF	46429B689	6,645	91,480	SH		SOLE		0	0	91,480
INVESCO QQQ TR	UNIT SER 1	46090E103	375	2,008	SH		SOLE		0	0	2,008
PENNANTPARK INVT CORP	COM	708062104	239	37,832	SH		SOLE		0	0	37,832
DISNEY WALT CO	COM DISNEY	254687106	268	1,920	SH		SOLE		0	0	1,920
SPDR SERIES TRUST	BLOMBRG BRC EMRG	78464A391	1,107	39,800	SH		SOLE		0	0	39,800
MICROSOFT CORP	COM	594918104	789	5,887	SH		SOLE		0	0	5,887
ISHARES TR	USA MOMENTUM FCT	46432F396	1,014	8,551	SH		SOLE		0	0	8,551
WISDOMTREE TR	90/60 BALNCED FD	97717Y790	1,177	43,320	SH		SOLE		0	0	43,320
VANGUARD TAX MANAGED INTL FD	FTSE DEV MKT ETF	921943858	1,355	32,498	SH		SOLE		0	0	32,498
ORACLE CORP	COM	68389X105	246	4,310	SH		SOLE		0	0	4,310
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	262	5,178	SH		SOLE		0	0	5,178
AUDIOCODES LTD	ORD	M15342104	204	13,195	SH		SOLE		0	0	13,195
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	1,074	13,151	SH		SOLE		0	0	13,151
UNITED STS COMMODITY INDEX F	COMM IDX FND	911717106	305	8,258	SH		SOLE		0	0	8,258
SCHWAB STRATEGIC TR	INTRM TRM TRES	808524854	1,798	32,714	SH		SOLE		0	0	32,714
SCHWAB STRATEGIC TR	US REIT ETF	808524847	1,770	39,840	SH		SOLE		0	0	39,840
INVESCO EXCHNG TRADED FD TR	S&P500 LOW VOL	46138E354	1,147	20,852	SH		SOLE		0	0	20,852
ISHARES TR	USD INV GRDE ETF	464288620	749	13,119	SH		SOLE		0	0	13,119
VANGUARD INDEX FDS	GROWTH ETF	922908736	484	2,960	SH		SOLE		0	0	2,960
VANGUARD GROUP	DIV APP ETF	921908844	327	2,841	SH		SOLE		0	0	2,841
BLACKROCK CORE BD TR	SHS BEN INT	09249E101	3,844	273,423	SH		SOLE		0	0	273,423
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	960	6,398	SH		SOLE		0	0	6,398
EXXON MOBIL CORP	COM	30231G102	242	3,154	SH		SOLE		0	0	3,154
WISDOMTREE TR	CBOE S&P 500	97717X560	3,973	144,211	SH		SOLE		0	0	144,211
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	4,114	147,665	SH		SOLE		0	0	147,665
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	3,224	112,184	SH		SOLE		0	0	112,184
QUEST DIAGNOSTICS INC	COM	74834L100	525	5,155	SH		SOLE		0	0	5,155
ISHARES TR	MULTIFACTOR USA	46434V282	353	11,106	SH		SOLE		0	0	11,106
VANGUARD WORLD FD	EXTENDED DUR	921910709	1,157	9,109	SH		SOLE		0	0	9,109
PIMCO ETF TR	INV GRD CRP BD	72201R817	1,860	17,306	SH		SOLE		0	0	17,306
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	203	950	SH		SOLE		0	0	950
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	1,813	25,711	SH		SOLE		0	0	25,711
UBS AG JERSEY BRH	CMCI ETN 38	902641778	1,037	71,700	SH		SOLE		0	0	71,700
ISHARES TR	MLTFCTR INTL SML	46434V266	743	25,640	SH		SOLE		0	0	25,640
ISHARES INC	MIN VOL EMRG MKT	464286533	3,665	62,267	SH		SOLE		0	0	62,267
INVESCO EXCHNG TRADED FD TR	S&P EMRNG MKTS	46138E297	228	9,343	SH		SOLE		0	0	9,343
ISHARES TR	RUS MD CP GR ETF	464287481	237	1,663	SH		SOLE		0	0	1,663
AMDOCS LTD	SHS	G02602103	223	3,590	SH		SOLE		0	0	3,590
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	2,416	75,278	SH		SOLE		0	0	75,278
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	439	8,292	SH		SOLE		0	0	8,292
AFLAC INC	COM	001055102	649	11,834	SH		SOLE		0	0	11,834
APPLE INC	COM	037833100	636	3,212	SH		SOLE		0	0	3,212
UBS AG LONDON BRH	ETRACS MP2X DJ	90268G607	1,179	17,253	SH		SOLE		0	0	17,253
ISHARES TR	MULTIFACTOR INTL	46434V274	1,984	75,541	SH		SOLE		0	0	75,541
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	1,200	45,748	SH		SOLE		0	0	45,748
ISHARES TR	CALIF MUN BD ETF	464288356	1,212	19,987	SH		SOLE		0	0	19,987
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	2,957	94,728	SH		SOLE		0	0	94,728
SPDR SERIES TRUST	PORTFOLIO LN TSR	78464A664	594	15,555	SH		SOLE		0	0	15,555
ALPHABET INC	CAP STK CL A	02079K305	257	237	SH		SOLE		0	0	237
CREDIT SUISSE NASSAU BRH	INVRS VIX MDTERM	22542D829	526	7,182	SH		SOLE		0	0	7,182
SPROTT PHYSICAL GOLD TRUST	UNIT	85207H104	284	25,083	SH		SOLE		0	0	25,083
ISHARES TR	MIN VOL USA ETF	46429B697	5,063	82,020	SH		SOLE		0	0	82,020
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	285	2,181	SH		SOLE		0	0	2,181