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
ABERDEEN STD GOLD ETF TR	PHYSCL GOLD SHS	00326A104	906	49,561	SH		SOLE		49,561	0	0
AGILENT TECHNOLOGIES INC	COM	00846U101	202	1,706	SH		SOLE		1,706	0	0
ALPHABET INC	CAP STK CL A	02079K305	307	175	SH		SOLE		175	0	0
AMAZON COM INC	COM	023135106	456	140	SH		SOLE		140	0	0
APPLE INC	COM	037833100	1,397	10,531	SH		SOLE		10,531	0	0
AUDIOCODES LTD	ORD	M15342104	223	8,083	SH		SOLE		8,083	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	275	1,186	SH		SOLE		1,186	0	0
BLACKROCK CORE BD TR	SHS BEN INT	09249E101	2,749	168,641	SH		SOLE		168,641	0	0
GLOBAL X FDS	US PFD ETF	37954Y657	2,059	79,788	SH		SOLE		79,788	0	0
GOLDMAN SACHS ETF TR	ACCES TREASURY	381430529	214	2,137	SH		SOLE		2,137	0	0
GRANITESHARES ETF TR	HIPS US HIGH INC	38747R306	527	38,803	SH		SOLE		38,803	0	0
INDEXIQ ETF TR	IQ MRGR ARB ETF	45409B800	1,159	34,759	SH		SOLE		34,759	0	0
INTUIT	COM	461202103	490	1,291	SH		SOLE		1,291	0	0
INVESCO EXCH TRADED FD TR II	EMRNG MKT SVRG	46138E784	293	10,147	SH		SOLE		10,147	0	0
INVESCO EXCH TRADED FD TR II	PFD ETF	46138E511	301	19,746	SH		SOLE		19,746	0	0
INVESCO EXCH TRADED FD TR II	S&P INTL LOW	46138E230	1,203	40,115	SH		SOLE		40,115	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	595	1,895	SH		SOLE		1,895	0	0
ISHARES INC	ESG AWR MSCI EM	46434G863	790	18,829	SH		SOLE		18,829	0	0
ISHARES INC	JP MORGAN EM ETF	464286517	355	7,843	SH		SOLE		7,843	0	0
ISHARES INC	MSCI EMERG MKT	46434G889	5,383	109,566	SH		SOLE		109,566	0	0
ISHARES INC	MSCI EMERG MRKT	464286533	4,157	68,052	SH		SOLE		68,052	0	0
ISHARES INC	MSCI GBL GOLD MN	46434G855	887	29,745	SH		SOLE		29,745	0	0
ISHARES TR	0-5 YR TIPS ETF	46429B747	588	5,635	SH		SOLE		5,635	0	0
ISHARES TR	0-5YR HI YL CP	46434V407	1,673	36,827	SH		SOLE		36,827	0	0
ISHARES TR	BLACKROCK ULTRA	46434V878	302	5,982	SH		SOLE		5,982	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	1,101	17,521	SH		SOLE		17,521	0	0
ISHARES TR	CONV BD ETF	46435G102	691	7,159	SH		SOLE		7,159	0	0
ISHARES TR	CORE INTL AGGR	46435G672	750	13,343	SH		SOLE		13,343	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	1,360	18,623	SH		SOLE		18,623	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	535	6,218	SH		SOLE		6,218	0	0
ISHARES TR	INTL TREA BD ETF	464288117	354	6,371	SH		SOLE		6,371	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	245	4,432	SH		SOLE		4,432	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	5,742	78,225	SH		SOLE		78,225	0	0
ISHARES TR	MSCI INTL MULTFT	46434V274	4,860	178,802	SH		SOLE		178,802	0	0
ISHARES TR	MSCI INTL SML CP	46434V266	4,004	120,346	SH		SOLE		120,346	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	6,044	89,043	SH		SOLE		89,043	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	697	4,319	SH		SOLE		4,319	0	0
ISHARES TR	RUS MD CP GR ETF	464287481	256	2,493	SH		SOLE		2,493	0	0
ISHARES TR	USD INV GRDE ETF	464288620	1,715	27,671	SH		SOLE		27,671	0	0
MCDONALDS CORP	COM	580135101	314	1,463	SH		SOLE		1,463	0	0
MICROSOFT CORP	COM	594918104	1,398	6,285	SH		SOLE		6,285	0	0
ORACLE CORP	COM	68389X105	226	3,492	SH		SOLE		3,492	0	0
PIMCO EQUITY SER	RAFI ESG US	72201T342	1,421	55,033	SH		SOLE		55,033	0	0
PIMCO ETF TR	25YR+ ZERO U S	72201R882	267	1,635	SH		SOLE		1,635	0	0
QUEST DIAGNOSTICS INC	COM	74834L100	396	3,320	SH		SOLE		3,320	0	0
SALESFORCE COM INC	COM	79466L302	323	1,452	SH		SOLE		1,452	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	1,160	37,836	SH		SOLE		37,836	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	1,835	50,951	SH		SOLE		50,951	0	0
SCHWAB STRATEGIC TR	INTRM TRM TRES	808524854	4,627	79,471	SH		SOLE		79,471	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	1,369	30,227	SH		SOLE		30,227	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	457	10,647	SH		SOLE		10,647	0	0
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	3,509	124,162	SH		SOLE		124,162	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	4,263	145,587	SH		SOLE		145,587	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	6,416	184,465	SH		SOLE		184,465	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	601	11,704	SH		SOLE		11,704	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	1,120	19,997	SH		SOLE		19,997	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	2,592	28,487	SH		SOLE		28,487	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	859	13,399	SH		SOLE		13,399	0	0
SCHWAB STRATEGIC TR	US REIT ETF	808524847	1,105	29,103	SH		SOLE		29,103	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	5,089	81,980	SH		SOLE		81,980	0	0
SPDR SER TR	PORTFOLIO LN TSR	78464A664	488	10,818	SH		SOLE		10,818	0	0
SPROTT PHYSICAL GOLD TR	UNIT	85207H104	624	41,327	SH		SOLE		41,327	0	0
TARGET CORP	COM	87612E106	225	1,275	SH		SOLE		1,275	0	0
UBS AG LONDON BRANCH	ETRACS UBS BLOOM	90274D390	2,526	165,918	SH		SOLE		165,918	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	483	1,908	SH		SOLE		1,908	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	283	1,454	SH		SOLE		1,454	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	997	5,121	SH		SOLE		5,121	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	204	1,713	SH		SOLE		1,713	0	0
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	4,657	48,586	SH		SOLE		48,586	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	400	2,833	SH		SOLE		2,833	0	0
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	997	21,127	SH		SOLE		21,127	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	473	5,166	SH		SOLE		5,166	0	0
VANGUARD WORLD FD	EXTENDED DUR	921910709	2,459	16,148	SH		SOLE		16,148	0	0
WISDOMTREE TR	90/60 BALNCED FD	97717Y790	3,293	89,977	SH		SOLE		89,977	0	0
WISDOMTREE TR	CBOE S&P 500	97717X560	3,255	114,083	SH		SOLE		114,083	0	0