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
ALPHABET INC	CAP STK CL A	02079K305	283	130	SH		SOLE		130	0	0
AMAZON COM INC	COM	023135106	304	2,865	SH		SOLE		2,865	0	0
APPLE INC	COM	037833100	1,241	9,077	SH		SOLE		9,077	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	262	960	SH		SOLE		960	0	0
BLACKROCK CORE BD TR	SHS BEN INT	09249E101	4,383	387,218	SH		SOLE		387,218	0	0
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	271	12,636	SH		SOLE		12,636	0	0
GRANITESHARES ETF TR	HIPS US HIGH INC	38747R306	327	26,441	SH		SOLE		26,441	0	0
INTUIT	COM	461202103	338	878	SH		SOLE		878	0	0
INVESCO EXCH TRADED FD TR II	EMRNG MKT SVRG	46138E784	779	42,013	SH		SOLE		42,013	0	0
INVESCO EXCH TRADED FD TR II	S&P EMRNG MKTS	46138E297	313	13,445	SH		SOLE		13,445	0	0
INVESCO EXCH TRADED FD TR II	S&P INTL LOW	46138E230	302	10,939	SH		SOLE		10,939	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	533	1,900	SH		SOLE		1,900	0	0
ISHARES INC	ESG AWR MSCI EM	46434G863	1,082	33,495	SH		SOLE		33,495	0	0
ISHARES INC	JP MORGAN EM ETF	464286517	1,033	30,236	SH		SOLE		30,236	0	0
ISHARES INC	MSCI EMERG MKT	46434G889	4,842	112,818	SH		SOLE		112,818	0	0
ISHARES INC	MSCI EMERG MRKT	464286533	3,909	70,518	SH		SOLE		70,518	0	0
ISHARES INC	MSCI GBL GOLD MN	46434G855	1,007	46,239	SH		SOLE		46,239	0	0
ISHARES TR	0-5 YR TIPS ETF	46429B747	929	9,162	SH		SOLE		9,162	0	0
ISHARES TR	BLACKROCK ULTRA	46434V878	315	6,286	SH		SOLE		6,286	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	1,953	34,595	SH		SOLE		34,595	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	462	4,600	SH		SOLE		4,600	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	497	8,442	SH		SOLE		8,442	0	0
ISHARES TR	CORE S&P500 ETF	464287200	1,839	4,850	SH		SOLE		4,850	0	0
ISHARES TR	EAFE GRWTH ETF	464288885	209	2,599	SH		SOLE		2,599	0	0
ISHARES TR	EAFE VALUE ETF	464288877	475	10,937	SH		SOLE		10,937	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	2,455	39,121	SH		SOLE		39,121	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	3,704	44,144	SH		SOLE		44,144	0	0
ISHARES TR	INTL EQTY FACTOR	46434V274	2,064	87,703	SH		SOLE		87,703	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	822	16,254	SH		SOLE		16,254	0	0
ISHARES TR	ISHS 5-10YR INVT	464288638	202	3,965	SH		SOLE		3,965	0	0
ISHARES TR	MBS ETF	464288588	359	3,680	SH		SOLE		3,680	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	1,318	20,821	SH		SOLE		20,821	0	0
ISHARES TR	MSCI INTL MOMENT	46434V449	328	10,971	SH		SOLE		10,971	0	0
ISHARES TR	MSCI INTL SML CP	46434V266	1,201	41,680	SH		SOLE		41,680	0	0
ISHARES TR	MSCI INTL VLU FT	46435G409	581	26,207	SH		SOLE		26,207	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	4,350	61,957	SH		SOLE		61,957	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	2,963	21,728	SH		SOLE		21,728	0	0
ISHARES TR	MSCI USA QLT FCT	46432F339	501	4,486	SH		SOLE		4,486	0	0
ISHARES TR	MSCI USA VALUE	46432F388	677	7,485	SH		SOLE		7,485	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	305	2,864	SH		SOLE		2,864	0	0
ISHARES TR	SHRT NAT MUN ETF	464288158	239	2,279	SH		SOLE		2,279	0	0
ISHARES TR	U S EQUITY FACTR	46434V282	827	21,821	SH		SOLE		21,821	0	0
ISHARES TR	US TREAS BD ETF	46429B267	2,410	100,857	SH		SOLE		100,857	0	0
ISHARES TR	USD INV GRDE ETF	464288620	653	12,819	SH		SOLE		12,819	0	0
MCDONALDS CORP	COM	580135101	319	1,290	SH		SOLE		1,290	0	0
MICROSOFT CORP	COM	594918104	1,508	5,871	SH		SOLE		5,871	0	0
ORACLE CORP	COM	68389X105	256	3,664	SH		SOLE		3,664	0	0
PIMCO EQUITY SER	RAFI ESG US	72201T342	898	32,640	SH		SOLE		32,640	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	1,844	72,645	SH		SOLE		72,645	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	4,875	155,004	SH		SOLE		155,004	0	0
SCHWAB STRATEGIC TR	INT-TRM U.S TRES	808524854	3,713	71,965	SH		SOLE		71,965	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	7,726	151,792	SH		SOLE		151,792	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	1,368	30,239	SH		SOLE		30,239	0	0
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	3,576	137,927	SH		SOLE		137,927	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	8,264	291,913	SH		SOLE		291,913	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	1,279	42,054	SH		SOLE		42,054	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	1,122	22,819	SH		SOLE		22,819	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	1,969	41,132	SH		SOLE		41,132	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	4,100	92,789	SH		SOLE		92,789	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	301	4,200	SH		SOLE		4,200	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	1,903	42,612	SH		SOLE		42,612	0	0
SCHWAB STRATEGIC TR	US REIT ETF	808524847	200	9,470	SH		SOLE		9,470	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	1,687	30,238	SH		SOLE		30,238	0	0
SIMPLIFY EXCHANGE TRADED FUN	RISK PARITY TREA	82889N798	531	29,142	SH		SOLE		29,142	0	0
UBS AG LONDON BRANCH	ETRACS UBS BLOOM	90274D390	4,043	166,575	SH		SOLE		166,575	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	393	1,761	SH		SOLE		1,761	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	216	1,439	SH		SOLE		1,439	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	232	1,318	SH		SOLE		1,318	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	2,131	11,299	SH		SOLE		11,299	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	226	1,716	SH		SOLE		1,716	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	380	9,124	SH		SOLE		9,124	0	0
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	1,678	23,922	SH		SOLE		23,922	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	406	2,833	SH		SOLE		2,833	0	0
VANGUARD TAX-MANAGED INTL FD	VAN FTSE DEV MKT	921943858	2,286	56,032	SH		SOLE		56,032	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	410	4,027	SH		SOLE		4,027	0	0
VANGUARD WORLD FD	EXTENDED DUR	921910709	239	2,391	SH		SOLE		2,391	0	0
WISDOMTREE TR	CBOE S&P 500	97717X560	297	9,303	SH		SOLE		9,303	0	0
WISDOMTREE TR	INTERNATIONL EFI	97717Y634	999	32,277	SH		SOLE		32,277	0	0
WISDOMTREE TR	US EFFICIENT COR	97717Y790	6,425	192,698	SH		SOLE		192,698	0	0