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
AGILENT TECHNOLOGIES INC	COM	00846U101	217	1,706	SH		SOLE		1,706	0	0
ALPHABET INC	CAP STK CL A	02079K305	344	167	SH		SOLE		167	0	0
AMAZON COM INC	COM	023135106	548	177	SH		SOLE		177	0	0
APPLE INC	COM	037833100	1,294	10,590	SH		SOLE		10,590	0	0
AUDIOCODES LTD	ORD	M15342104	218	8,083	SH		SOLE		8,083	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	303	1,185	SH		SOLE		1,185	0	0
BLACKROCK CORE BD TR	SHS BEN INT	09249E101	2,070	131,829	SH		SOLE		131,829	0	0
GLOBAL X FDS	US PFD ETF	37954Y657	2,936	115,092	SH		SOLE		115,092	0	0
GRANITESHARES ETF TR	HIPS US HIGH INC	38747R306	835	57,457	SH		SOLE		57,457	0	0
INDEXIQ ETF TR	IQ MRGR ARB ETF	45409B800	1,123	34,077	SH		SOLE		34,077	0	0
INTUIT	COM	461202103	499	1,302	SH		SOLE		1,302	0	0
INVESCO EXCH TRADED FD TR II	PFD ETF	46138E511	745	49,678	SH		SOLE		49,678	0	0
INVESCO EXCH TRADED FD TR II	S&P INTL LOW	46138E230	1,110	36,502	SH		SOLE		36,502	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	605	1,895	SH		SOLE		1,895	0	0
ISHARES INC	ESG AWR MSCI EM	46434G863	710	16,399	SH		SOLE		16,399	0	0
ISHARES INC	JP MORGAN EM ETF	464286517	204	4,786	SH		SOLE		4,786	0	0
ISHARES INC	MSCI EMERG MKT	46434G889	4,535	87,161	SH		SOLE		87,161	0	0
ISHARES INC	MSCI EMERG MRKT	464286533	4,109	65,064	SH		SOLE		65,064	0	0
ISHARES INC	MSCI GBL GOLD MN	46434G855	377	13,784	SH		SOLE		13,784	0	0
ISHARES TR	0-5 YR TIPS ETF	46429B747	1,044	9,879	SH		SOLE		9,879	0	0
ISHARES TR	0-5YR HI YL CP	46434V407	1,173	25,602	SH		SOLE		25,602	0	0
ISHARES TR	BLACKROCK ULTRA	46434V878	380	7,531	SH		SOLE		7,531	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	1,007	16,205	SH		SOLE		16,205	0	0
ISHARES TR	CORE INTL AGGR	46435G672	980	17,855	SH		SOLE		17,855	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	1,548	20,392	SH		SOLE		20,392	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	711	7,830	SH		SOLE		7,830	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	353	6,458	SH		SOLE		6,458	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	5,430	74,395	SH		SOLE		74,395	0	0
ISHARES TR	MSCI INTL MULTFT	46434V274	4,589	159,823	SH		SOLE		159,823	0	0
ISHARES TR	MSCI INTL SML CP	46434V266	4,148	118,574	SH		SOLE		118,574	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	5,755	83,178	SH		SOLE		83,178	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	956	5,943	SH		SOLE		5,943	0	0
ISHARES TR	MSCI USA MULTIFT	46434V282	229	5,641	SH		SOLE		5,641	0	0
ISHARES TR	RUS MD CP GR ETF	464287481	228	2,237	SH		SOLE		2,237	0	0
ISHARES TR	USD INV GRDE ETF	464288620	1,635	27,691	SH		SOLE		27,691	0	0
JPMORGAN CHASE & CO	COM	46625H100	224	1,469	SH		SOLE		1,469	0	0
MCDONALDS CORP	COM	580135101	329	1,466	SH		SOLE		1,466	0	0
MICROSOFT CORP	COM	594918104	1,468	6,228	SH		SOLE		6,228	0	0
ORACLE CORP	COM	68389X105	245	3,492	SH		SOLE		3,492	0	0
PIMCO EQUITY SER	RAFI ESG US	72201T342	1,620	55,489	SH		SOLE		55,489	0	0
PIMCO ETF TR	25YR+ ZERO U S	72201R882	222	1,686	SH		SOLE		1,686	0	0
QUEST DIAGNOSTICS INC	COM	74834L100	426	3,320	SH		SOLE		3,320	0	0
SALESFORCE COM INC	COM	79466L302	241	1,138	SH		SOLE		1,138	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	1,008	31,712	SH		SOLE		31,712	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	4,089	108,705	SH		SOLE		108,705	0	0
SCHWAB STRATEGIC TR	INTRM TRM TRES	808524854	3,600	63,823	SH		SOLE		63,823	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	2,958	57,252	SH		SOLE		57,252	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	321	6,345	SH		SOLE		6,345	0	0
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	3,020	98,195	SH		SOLE		98,195	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	5,138	160,056	SH		SOLE		160,056	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	5,669	151,338	SH		SOLE		151,338	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	521	10,153	SH		SOLE		10,153	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	2,075	38,452	SH		SOLE		38,452	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	3,862	39,938	SH		SOLE		39,938	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	2,170	29,752	SH		SOLE		29,752	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	1,696	17,659	SH		SOLE		17,659	0	0
SCHWAB STRATEGIC TR	US REIT ETF	808524847	402	9,779	SH		SOLE		9,779	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	5,306	86,763	SH		SOLE		86,763	0	0
SPDR SER TR	PORTFOLIO LN TSR	78464A664	395	10,122	SH		SOLE		10,122	0	0
SPROTT PHYSICAL GOLD TR	UNIT	85207H104	240	17,926	SH		SOLE		17,926	0	0
TARGET CORP	COM	87612E106	250	1,262	SH		SOLE		1,262	0	0
UBS AG LONDON BRANCH	ETRACS UBS BLOOM	90274D390	3,003	177,954	SH		SOLE		177,954	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	490	1,908	SH		SOLE		1,908	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	221	1,033	SH		SOLE		1,033	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	1,245	6,022	SH		SOLE		6,022	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	225	1,713	SH		SOLE		1,713	0	0
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	3,216	38,845	SH		SOLE		38,845	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	417	2,833	SH		SOLE		2,833	0	0
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	1,338	27,239	SH		SOLE		27,239	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	522	5,166	SH		SOLE		5,166	0	0
VANGUARD WORLD FD	EXTENDED DUR	921910709	1,842	14,672	SH		SOLE		14,672	0	0
VISA INC	COM CL A	92826C839	327	1,543	SH		SOLE		1,543	0	0
WISDOMTREE TR	90/60 BALNCED FD	97717Y790	5,072	135,874	SH		SOLE		135,874	0	0
WISDOMTREE TR	CBOE S&P 500	97717X560	1,495	49,516	SH		SOLE		49,516	0	0