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	228	1,542	SH		SOLE		1,542	0	0
ALPHABET INC	CAP STK CL A	02079K305	408	167	SH		SOLE		167	0	0
AMAZON COM INC	COM	023135106	561	163	SH		SOLE		163	0	0
APPLE INC	COM	037833100	1,423	10,392	SH		SOLE		10,392	0	0
AUDIOCODES LTD	ORD	M15342104	267	8,083	SH		SOLE		8,083	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	329	1,185	SH		SOLE		1,185	0	0
BLACKROCK CORE BD TR	SHS BEN INT	09249E101	2,404	145,505	SH		SOLE		145,505	0	0
GLOBAL X FDS	US PFD ETF	37954Y657	2,734	104,476	SH		SOLE		104,476	0	0
GRANITESHARES ETF TR	HIPS US HIGH INC	38747R306	880	55,962	SH		SOLE		55,962	0	0
INDEXIQ ETF TR	IQ MRGR ARB ETF	45409B800	1,456	43,431	SH		SOLE		43,431	0	0
INTUIT	COM	461202103	551	1,124	SH		SOLE		1,124	0	0
INVESCO EXCH TRADED FD TR II	PFD ETF	46138E511	518	33,824	SH		SOLE		33,824	0	0
INVESCO EXCH TRADED FD TR II	S&P INTL LOW	46138E230	914	29,563	SH		SOLE		29,563	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	681	1,920	SH		SOLE		1,920	0	0
ISHARES INC	ESG AWR MSCI EM	46434G863	980	21,711	SH		SOLE		21,711	0	0
ISHARES INC	JP MORGAN EM ETF	464286517	307	7,027	SH		SOLE		7,027	0	0
ISHARES INC	MSCI EMERG MKT	46434G889	4,082	75,331	SH		SOLE		75,331	0	0
ISHARES INC	MSCI EMERG MRKT	464286533	4,356	67,889	SH		SOLE		67,889	0	0
ISHARES INC	MSCI GBL GOLD MN	46434G855	355	12,677	SH		SOLE		12,677	0	0
ISHARES TR	0-5 YR TIPS ETF	46429B747	1,164	10,950	SH		SOLE		10,950	0	0
ISHARES TR	0-5YR HI YL CP	46434V407	736	15,986	SH		SOLE		15,986	0	0
ISHARES TR	10+ YR INVST GRD	464289511	264	3,758	SH		SOLE		3,758	0	0
ISHARES TR	BLACKROCK ULTRA	46434V878	498	9,867	SH		SOLE		9,867	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	1,740	27,792	SH		SOLE		27,792	0	0
ISHARES TR	CORE INTL AGGR	46435G672	1,330	24,130	SH		SOLE		24,130	0	0
ISHARES TR	CORE S&P500 ETF	464287200	780	1,813	SH		SOLE		1,813	0	0
ISHARES TR	EAFE VALUE ETF	464288877	333	6,438	SH		SOLE		6,438	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	1,785	22,584	SH		SOLE		22,584	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	1,414	14,363	SH		SOLE		14,363	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	703	12,826	SH		SOLE		12,826	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	3,899	51,612	SH		SOLE		51,612	0	0
ISHARES TR	MSCI INTL MULTFT	46434V274	3,682	122,523	SH		SOLE		122,523	0	0
ISHARES TR	MSCI INTL SML CP	46434V266	5,078	138,322	SH		SOLE		138,322	0	0
ISHARES TR	MSCI INTL VLU FT	46435G409	417	16,135	SH		SOLE		16,135	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	5,609	76,196	SH		SOLE		76,196	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	1,176	6,779	SH		SOLE		6,779	0	0
ISHARES TR	MSCI USA MULTIFT	46434V282	736	17,194	SH		SOLE		17,194	0	0
ISHARES TR	MSCI USA VALUE	46432F388	745	7,090	SH		SOLE		7,090	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	288	2,456	SH		SOLE		2,456	0	0
ISHARES TR	RUS MD CP GR ETF	464287481	253	2,237	SH		SOLE		2,237	0	0
ISHARES TR	US TREAS BD ETF	46429B267	2,796	105,097	SH		SOLE		105,097	0	0
ISHARES TR	USD INV GRDE ETF	464288620	985	16,259	SH		SOLE		16,259	0	0
MCDONALDS CORP	COM	580135101	339	1,466	SH		SOLE		1,466	0	0
MICROSOFT CORP	COM	594918104	1,665	6,145	SH		SOLE		6,145	0	0
ORACLE CORP	COM	68389X105	378	4,860	SH		SOLE		4,860	0	0
PALANTIR TECHNOLOGIES INC	CL A	69608A108	2,262	85,800	SH		SOLE		85,800	0	0
PIMCO EQUITY SER	RAFI ESG US	72201T342	1,713	55,693	SH		SOLE		55,693	0	0
PIMCO ETF TR	25YR+ ZERO U S	72201R882	237	1,633	SH		SOLE		1,633	0	0
QUEST DIAGNOSTICS INC	COM	74834L100	438	3,320	SH		SOLE		3,320	0	0
SALESFORCE COM INC	COM	79466L302	229	939	SH		SOLE		939	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	1,015	30,864	SH		SOLE		30,864	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	4,611	116,870	SH		SOLE		116,870	0	0
SCHWAB STRATEGIC TR	INTRM TRM TRES	808524854	2,876	50,573	SH		SOLE		50,573	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	4,528	82,743	SH		SOLE		82,743	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	299	5,492	SH		SOLE		5,492	0	0
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	4,244	131,612	SH		SOLE		131,612	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	5,206	156,418	SH		SOLE		156,418	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	4,831	123,077	SH		SOLE		123,077	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	941	18,366	SH		SOLE		18,366	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	2,225	40,758	SH		SOLE		40,758	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	4,008	38,438	SH		SOLE		38,438	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	2,877	38,052	SH		SOLE		38,052	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	2,211	21,262	SH		SOLE		21,262	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	328	3,152	SH		SOLE		3,152	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	4,208	67,325	SH		SOLE		67,325	0	0
SPDR SER TR	PORTFOLIO LN TSR	78464A664	402	9,724	SH		SOLE		9,724	0	0
TARGET CORP	COM	87612E106	305	1,262	SH		SOLE		1,262	0	0
UBS AG LONDON BRANCH	ETRACS UBS BLOOM	90274D390	3,431	177,471	SH		SOLE		177,471	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	562	1,958	SH		SOLE		1,958	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	365	1,619	SH		SOLE		1,619	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	1,519	6,818	SH		SOLE		6,818	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	235	1,713	SH		SOLE		1,713	0	0
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	3,463	39,491	SH		SOLE		39,491	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	438	2,833	SH		SOLE		2,833	0	0
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	1,613	31,302	SH		SOLE		31,302	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	497	4,745	SH		SOLE		4,745	0	0
VANGUARD WORLD FD	EXTENDED DUR	921910709	2,012	14,867	SH		SOLE		14,867	0	0
WISDOMTREE TR	CBOE S&P 500	97717X560	1,102	34,698	SH		SOLE		34,698	0	0
WISDOMTREE TR	US EFFICIENT COR	97717Y790	6,311	155,290	SH		SOLE		155,290	0	0