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

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

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	246	1,542	SH		SOLE		1,542	0	0
ALPHABET INC	CAP STK CL A	02079K305	374	129	SH		SOLE		129	0	0
AMAZON COM INC	COM	023135106	627	188	SH		SOLE		188	0	0
APPLE INC	COM	037833100	1,810	10,194	SH		SOLE		10,194	0	0
AUDIOCODES LTD	ORD	M15342104	281	8,083	SH		SOLE		8,083	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	354	1,185	SH		SOLE		1,185	0	0
BLACKROCK CORE BD TR	SHS BEN INT	09249E101	478	28,961	SH		SOLE		28,961	0	0
CISCO SYS INC	COM	17275R102	225	3,550	SH		SOLE		3,550	0	0
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	330	12,636	SH		SOLE		12,636	0	0
GLOBAL X FDS	US PFD ETF	37954Y657	1,502	58,320	SH		SOLE		58,320	0	0
GRANITESHARES ETF TR	HIPS US HIGH INC	38747R306	920	60,138	SH		SOLE		60,138	0	0
HP INC	COM	40434L105	229	6,090	SH		SOLE		6,090	0	0
INTUIT	COM	461202103	670	1,041	SH		SOLE		1,041	0	0
INVESCO EXCH TRADED FD TR II	S&P INTL LOW	46138E230	631	19,779	SH		SOLE		19,779	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	764	1,919	SH		SOLE		1,919	0	0
ISHARES INC	ESG AWR MSCI EM	46434G863	764	19,208	SH		SOLE		19,208	0	0
ISHARES INC	JP MORGAN EM ETF	464286517	1,787	45,561	SH		SOLE		45,561	0	0
ISHARES INC	MSCI EMERG MKT	46434G889	4,049	79,187	SH		SOLE		79,187	0	0
ISHARES INC	MSCI EMERG MRKT	464286533	4,649	74,010	SH		SOLE		74,010	0	0
ISHARES INC	MSCI GBL GOLD MN	46434G855	726	26,932	SH		SOLE		26,932	0	0
ISHARES TR	0-5 YR TIPS ETF	46429B747	1,078	10,185	SH		SOLE		10,185	0	0
ISHARES TR	0-5YR HI YL CP	46434V407	379	8,360	SH		SOLE		8,360	0	0
ISHARES TR	10-20 YR TRS ETF	464288653	269	1,812	SH		SOLE		1,812	0	0
ISHARES TR	BLACKROCK ULTRA	46434V878	383	7,595	SH		SOLE		7,595	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	1,324	21,242	SH		SOLE		21,242	0	0
ISHARES TR	CORE INTL AGGR	46435G672	733	13,446	SH		SOLE		13,446	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	250	3,344	SH		SOLE		3,344	0	0
ISHARES TR	CORE S&P500 ETF	464287200	1,319	2,765	SH		SOLE		2,765	0	0
ISHARES TR	EAFE GRWTH ETF	464288885	463	4,195	SH		SOLE		4,195	0	0
ISHARES TR	EAFE VALUE ETF	464288877	319	6,329	SH		SOLE		6,329	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	2,093	26,345	SH		SOLE		26,345	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	2,771	25,684	SH		SOLE		25,684	0	0
ISHARES TR	FALN ANGLS USD	46435G474	225	7,509	SH		SOLE		7,509	0	0
ISHARES TR	GLOBAL FINLS ETF	464287333	246	3,067	SH		SOLE		3,067	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	611	11,345	SH		SOLE		11,345	0	0
ISHARES TR	MBS ETF	464288588	374	3,478	SH		SOLE		3,478	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	4,336	56,478	SH		SOLE		56,478	0	0
ISHARES TR	MSCI INTL MOMENT	46434V449	206	5,415	SH		SOLE		5,415	0	0
ISHARES TR	MSCI INTL MULTFT	46434V274	1,805	62,615	SH		SOLE		62,615	0	0
ISHARES TR	MSCI INTL SML CP	46434V266	4,562	125,841	SH		SOLE		125,841	0	0
ISHARES TR	MSCI INTL VLU FT	46435G409	690	27,124	SH		SOLE		27,124	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	6,147	75,982	SH		SOLE		75,982	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	1,325	7,287	SH		SOLE		7,287	0	0
ISHARES TR	MSCI USA MULTIFT	46434V282	695	14,927	SH		SOLE		14,927	0	0
ISHARES TR	MSCI USA VALUE	46432F388	1,123	10,263	SH		SOLE		10,263	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	314	2,704	SH		SOLE		2,704	0	0
ISHARES TR	S&P 500 VAL ETF	464287408	204	1,302	SH		SOLE		1,302	0	0
ISHARES TR	US TREAS BD ETF	46429B267	5,183	194,260	SH		SOLE		194,260	0	0
ISHARES TR	USD INV GRDE ETF	464288620	2,098	35,123	SH		SOLE		35,123	0	0
MCDONALDS CORP	COM	580135101	392	1,463	SH		SOLE		1,463	0	0
MICROSOFT CORP	COM	594918104	2,121	6,307	SH		SOLE		6,307	0	0
ORACLE CORP	COM	68389X105	403	4,621	SH		SOLE		4,621	0	0
PIMCO EQUITY SER	RAFI ESG US	72201T342	1,810	54,670	SH		SOLE		54,670	0	0
PIMCO ETF TR	25YR+ ZERO U S	72201R882	246	1,614	SH		SOLE		1,614	0	0
QUEST DIAGNOSTICS INC	COM	74834L100	540	3,120	SH		SOLE		3,120	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	899	30,365	SH		SOLE		30,365	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	6,178	158,933	SH		SOLE		158,933	0	0
SCHWAB STRATEGIC TR	INTRM TRM TRES	808524854	3,763	67,027	SH		SOLE		67,027	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	8,986	153,326	SH		SOLE		153,326	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	326	5,863	SH		SOLE		5,863	0	0
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	6,067	195,762	SH		SOLE		195,762	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	5,769	177,458	SH		SOLE		177,458	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	2,854	76,323	SH		SOLE		76,323	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	805	15,829	SH		SOLE		15,829	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	2,382	44,187	SH		SOLE		44,187	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	3,657	32,356	SH		SOLE		32,356	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	1,918	23,734	SH		SOLE		23,734	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	1,236	10,863	SH		SOLE		10,863	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	333	3,248	SH		SOLE		3,248	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	3,930	62,493	SH		SOLE		62,493	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	201	3,626	SH		SOLE		3,626	0	0
SPDR SER TR	PORTFOLIO LN TSR	78464A664	410	9,725	SH		SOLE		9,725	0	0
TARGET CORP	COM	87612E106	292	1,262	SH		SOLE		1,262	0	0
UBS AG LONDON BRANCH	ETRACS UBS BLOOM	90274D390	3,773	180,427	SH		SOLE		180,427	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	628	1,958	SH		SOLE		1,958	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	334	1,479	SH		SOLE		1,479	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	1,995	8,261	SH		SOLE		8,261	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	289	1,966	SH		SOLE		1,966	0	0
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	4,443	49,686	SH		SOLE		49,686	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	486	2,833	SH		SOLE		2,833	0	0
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	1,649	32,286	SH		SOLE		32,286	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	451	4,027	SH		SOLE		4,027	0	0
VANGUARD WORLD FD	EXTENDED DUR	921910709	2,331	16,650	SH		SOLE		16,650	0	0
WISDOMTREE TR	CBOE S&P 500	97717X560	523	15,141	SH		SOLE		15,141	0	0
WISDOMTREE TR	US EFFICIENT COR	97717Y790	8,754	197,476	SH		SOLE		197,476	0	0