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	243	1,542	SH		SOLE		1,542	0	0
ALPHABET INC	CAP STK CL A	02079K305	348	130	SH		SOLE		130	0	0
AMAZON COM INC	COM	023135106	637	194	SH		SOLE		194	0	0
APPLE INC	COM	037833100	1,456	10,288	SH		SOLE		10,288	0	0
AUDIOCODES LTD	ORD	M15342104	263	8,083	SH		SOLE		8,083	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	323	1,185	SH		SOLE		1,185	0	0
BLACKROCK CORE BD TR	SHS BEN INT	09249E101	1,541	93,042	SH		SOLE		93,042	0	0
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	327	12,636	SH		SOLE		12,636	0	0
GLOBAL X FDS	US PFD ETF	37954Y657	1,981	76,888	SH		SOLE		76,888	0	0
GRANITESHARES ETF TR	HIPS US HIGH INC	38747R306	848	55,358	SH		SOLE		55,358	0	0
INDEXIQ ETF TR	IQ MRGR ARB ETF	45409B800	804	24,456	SH		SOLE		24,456	0	0
INTUIT	COM	461202103	571	1,058	SH		SOLE		1,058	0	0
INVESCO EXCH TRADED FD TR II	EMRNG MKT SVRG	46138E784	331	12,396	SH		SOLE		12,396	0	0
INVESCO EXCH TRADED FD TR II	S&P INTL LOW	46138E230	647	21,109	SH		SOLE		21,109	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	687	1,919	SH		SOLE		1,919	0	0
ISHARES INC	ESG AWR MSCI EM	46434G863	798	19,261	SH		SOLE		19,261	0	0
ISHARES INC	JP MORGAN EM ETF	464286517	1,122	26,477	SH		SOLE		26,477	0	0
ISHARES INC	MSCI EMERG MKT	46434G889	4,157	80,559	SH		SOLE		80,559	0	0
ISHARES INC	MSCI EMERG MRKT	464286533	4,216	67,279	SH		SOLE		67,279	0	0
ISHARES INC	MSCI GBL GOLD MN	46434G855	251	10,221	SH		SOLE		10,221	0	0
ISHARES TR	0-5 YR TIPS ETF	46429B747	1,112	10,524	SH		SOLE		10,524	0	0
ISHARES TR	0-5YR HI YL CP	46434V407	573	12,536	SH		SOLE		12,536	0	0
ISHARES TR	10-20 YR TRS ETF	464288653	294	2,002	SH		SOLE		2,002	0	0
ISHARES TR	BLACKROCK ULTRA	46434V878	480	9,500	SH		SOLE		9,500	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	1,949	31,391	SH		SOLE		31,391	0	0
ISHARES TR	CORE INTL AGGR	46435G672	1,682	30,567	SH		SOLE		30,567	0	0
ISHARES TR	CORE S&P500 ETF	464287200	1,119	2,598	SH		SOLE		2,598	0	0
ISHARES TR	EAFE GRWTH ETF	464288885	413	3,876	SH		SOLE		3,876	0	0
ISHARES TR	EAFE VALUE ETF	464288877	300	5,902	SH		SOLE		5,902	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	1,709	21,809	SH		SOLE		21,809	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	1,781	18,092	SH		SOLE		18,092	0	0
ISHARES TR	FALN ANGLS USD	46435G474	243	8,065	SH		SOLE		8,065	0	0
ISHARES TR	GLOBAL FINLS ETF	464287333	267	3,400	SH		SOLE		3,400	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	752	13,771	SH		SOLE		13,771	0	0
ISHARES TR	MBS ETF	464288588	368	3,399	SH		SOLE		3,399	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	3,731	49,519	SH		SOLE		49,519	0	0
ISHARES TR	MSCI INTL MULTFT	46434V274	2,331	80,311	SH		SOLE		80,311	0	0
ISHARES TR	MSCI INTL SML CP	46434V266	5,441	149,364	SH		SOLE		149,364	0	0
ISHARES TR	MSCI INTL VLU FT	46435G409	520	20,209	SH		SOLE		20,209	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	6,090	82,853	SH		SOLE		82,853	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	1,315	7,487	SH		SOLE		7,487	0	0
ISHARES TR	MSCI USA MULTIFT	46434V282	749	17,781	SH		SOLE		17,781	0	0
ISHARES TR	MSCI USA VALUE	46432F388	829	8,234	SH		SOLE		8,234	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	317	2,728	SH		SOLE		2,728	0	0
ISHARES TR	US TREAS BD ETF	46429B267	4,827	181,961	SH		SOLE		181,961	0	0
ISHARES TR	USD INV GRDE ETF	464288620	1,508	25,091	SH		SOLE		25,091	0	0
JPMORGAN CHASE & CO	COM	46625H100	205	1,250	SH		SOLE		1,250	0	0
MCDONALDS CORP	COM	580135101	353	1,463	SH		SOLE		1,463	0	0
MICROSOFT CORP	COM	594918104	1,719	6,096	SH		SOLE		6,096	0	0
ORACLE CORP	COM	68389X105	403	4,621	SH		SOLE		4,621	0	0
PALANTIR TECHNOLOGIES INC	CL A	69608A108	2,063	85,800	SH		SOLE		85,800	0	0
PIMCO EQUITY SER	RAFI ESG US	72201T342	1,644	54,047	SH		SOLE		54,047	0	0
PIMCO ETF TR	25YR+ ZERO U S	72201R882	235	1,614	SH		SOLE		1,614	0	0
QUEST DIAGNOSTICS INC	COM	74834L100	481	3,310	SH		SOLE		3,310	0	0
SALESFORCE COM INC	COM	79466L302	207	763	SH		SOLE		763	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	973	31,928	SH		SOLE		31,928	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	5,286	136,600	SH		SOLE		136,600	0	0
SCHWAB STRATEGIC TR	INTRM TRM TRES	808524854	3,483	61,417	SH		SOLE		61,417	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	5,662	104,948	SH		SOLE		104,948	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	320	6,081	SH		SOLE		6,081	0	0
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	5,257	163,099	SH		SOLE		163,099	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	4,516	137,554	SH		SOLE		137,554	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	3,425	88,484	SH		SOLE		88,484	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	892	17,433	SH		SOLE		17,433	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	2,158	39,768	SH		SOLE		39,768	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	3,444	33,159	SH		SOLE		33,159	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	2,408	32,430	SH		SOLE		32,430	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	1,225	11,779	SH		SOLE		11,779	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	304	3,034	SH		SOLE		3,034	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	3,445	55,046	SH		SOLE		55,046	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	212	4,076	SH		SOLE		4,076	0	0
SPDR SER TR	PORTFOLIO LN TSR	78464A664	402	9,724	SH		SOLE		9,724	0	0
TARGET CORP	COM	87612E106	289	1,262	SH		SOLE		1,262	0	0
UBS AG LONDON BRANCH	ETRACS UBS BLOOM	90274D390	3,612	180,182	SH		SOLE		180,182	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	568	1,958	SH		SOLE		1,958	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	373	1,706	SH		SOLE		1,706	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	1,930	8,690	SH		SOLE		8,690	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	232	1,716	SH		SOLE		1,716	0	0
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	4,064	46,335	SH		SOLE		46,335	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	435	2,833	SH		SOLE		2,833	0	0
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	1,614	31,965	SH		SOLE		31,965	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	448	4,336	SH		SOLE		4,336	0	0
VANGUARD WORLD FD	EXTENDED DUR	921910709	2,220	16,377	SH		SOLE		16,377	0	0
WISDOMTREE TR	CBOE S&P 500	97717X560	676	20,750	SH		SOLE		20,750	0	0
WISDOMTREE TR	US EFFICIENT COR	97717Y790	7,723	189,562	SH		SOLE		189,562	0	0