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	242	2,531	SH		SOLE		2,531	0	0
AMAZON COM INC	COM	023135106	304	2,692	SH		SOLE		2,692	0	0
APPLE INC	COM	037833100	1,115	8,067	SH		SOLE		8,067	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	260	974	SH		SOLE		974	0	0
BLACKROCK CORE BD TR	SHS BEN INT	09249E101	3,469	346,919	SH		SOLE		346,919	0	0
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	225	11,905	SH		SOLE		11,905	0	0
INTUIT	COM	461202103	325	838	SH		SOLE		838	0	0
INVESCO EXCH TRADED FD TR II	EMRNG MKT SVRG	46138E784	345	20,374	SH		SOLE		20,374	0	0
INVESCO EXCH TRADED FD TR II	S&P EMRNG MKTS	46138E297	201	9,580	SH		SOLE		9,580	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	508	1,900	SH		SOLE		1,900	0	0
ISHARES INC	ESG AWR MSCI EM	46434G863	657	23,755	SH		SOLE		23,755	0	0
ISHARES INC	JP MORGAN EM ETF	464286517	855	26,471	SH		SOLE		26,471	0	0
ISHARES INC	MSCI EMERG MKT	46434G889	4,283	111,448	SH		SOLE		111,448	0	0
ISHARES INC	MSCI EMERG MRKT	464286533	2,972	58,647	SH		SOLE		58,647	0	0
ISHARES INC	MSCI GBL GOLD MN	46434G855	547	29,146	SH		SOLE		29,146	0	0
ISHARES TR	0-5 YR TIPS ETF	46429B747	699	7,274	SH		SOLE		7,274	0	0
ISHARES TR	0-5YR HI YL CP	46434V407	459	11,497	SH		SOLE		11,497	0	0
ISHARES TR	BLACKROCK ULTRA	46434V878	312	6,244	SH		SOLE		6,244	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	1,690	31,163	SH		SOLE		31,163	0	0
ISHARES TR	CONV BD ETF	46435G102	337	4,890	SH		SOLE		4,890	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	371	4,066	SH		SOLE		4,066	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	554	10,518	SH		SOLE		10,518	0	0
ISHARES TR	CORE S&P500 ETF	464287200	2,076	5,788	SH		SOLE		5,788	0	0
ISHARES TR	CORE TOTAL USD	46434V613	280	6,294	SH		SOLE		6,294	0	0
ISHARES TR	CORE US AGGBD ET	464287226	212	2,201	SH		SOLE		2,201	0	0
ISHARES TR	EAFE GRWTH ETF	464288885	451	6,211	SH		SOLE		6,211	0	0
ISHARES TR	EAFE VALUE ETF	464288877	331	8,583	SH		SOLE		8,583	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	1,791	31,916	SH		SOLE		31,916	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	3,126	39,364	SH		SOLE		39,364	0	0
ISHARES TR	ESG SCRND S&P500	46436E569	418	15,566	SH		SOLE		15,566	0	0
ISHARES TR	INTL EQTY FACTOR	46434V274	423	20,178	SH		SOLE		20,178	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	1,756	35,624	SH		SOLE		35,624	0	0
ISHARES TR	ISHS 5-10YR INVT	464288638	337	6,989	SH		SOLE		6,989	0	0
ISHARES TR	MBS ETF	464288588	592	6,460	SH		SOLE		6,460	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	1,905	33,410	SH		SOLE		33,410	0	0
ISHARES TR	MSCI INTL MOMENT	46434V449	328	12,202	SH		SOLE		12,202	0	0
ISHARES TR	MSCI INTL SML CP	46434V266	845	32,279	SH		SOLE		32,279	0	0
ISHARES TR	MSCI INTL VLU FT	46435G409	666	33,729	SH		SOLE		33,729	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	4,171	63,104	SH		SOLE		63,104	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	1,810	13,797	SH		SOLE		13,797	0	0
ISHARES TR	MSCI USA QLT FCT	46432F339	968	9,313	SH		SOLE		9,313	0	0
ISHARES TR	MSCI USA VALUE	46432F388	397	4,851	SH		SOLE		4,851	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	277	2,697	SH		SOLE		2,697	0	0
ISHARES TR	SHRT NAT MUN ETF	464288158	306	2,983	SH		SOLE		2,983	0	0
ISHARES TR	U S EQUITY FACTR	46434V282	783	21,614	SH		SOLE		21,614	0	0
ISHARES TR	US TREAS BD ETF	46429B267	2,040	89,646	SH		SOLE		89,646	0	0
ISHARES TR	USD INV GRDE ETF	464288620	1,523	31,695	SH		SOLE		31,695	0	0
J P MORGAN EXCHANGE TRADED F	DIV RTN EM EQT	46641Q308	250	5,604	SH		SOLE		5,604	0	0
MCDONALDS CORP	COM	580135101	298	1,290	SH		SOLE		1,290	0	0
MICROSOFT CORP	COM	594918104	1,334	5,729	SH		SOLE		5,729	0	0
PIMCO EQUITY SER	RAFI ESG US	72201T342	812	31,980	SH		SOLE		31,980	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	1,885	84,151	SH		SOLE		84,151	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	5,104	181,427	SH		SOLE		181,427	0	0
SCHWAB STRATEGIC TR	INT-TRM U.S TRES	808524854	3,401	69,203	SH		SOLE		69,203	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	6,637	138,969	SH		SOLE		138,969	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	1,595	37,522	SH		SOLE		37,522	0	0
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	3,999	170,623	SH		SOLE		170,623	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	7,719	306,906	SH		SOLE		306,906	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	815	29,969	SH		SOLE		29,969	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	1,185	24,545	SH		SOLE		24,545	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	1,886	41,624	SH		SOLE		41,624	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	4,591	109,325	SH		SOLE		109,325	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	466	7,022	SH		SOLE		7,022	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	2,207	52,109	SH		SOLE		52,109	0	0
SCHWAB STRATEGIC TR	US REIT ETF	808524847	808	43,249	SH		SOLE		43,249	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	1,037	20,029	SH		SOLE		20,029	0	0
SIMPLIFY EXCHANGE TRADED FUN	RISK PARITY TREA	82889N798	769	50,382	SH		SOLE		50,382	0	0
UBS AG LONDON BRANCH	ETRACS UBS BLOOM	90274D390	3,389	149,237	SH		SOLE		149,237	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	377	1,761	SH		SOLE		1,761	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	236	1,383	SH		SOLE		1,383	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	2,396	13,352	SH		SOLE		13,352	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	212	1,716	SH		SOLE		1,716	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	600	16,433	SH		SOLE		16,433	0	0
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	784	12,450	SH		SOLE		12,450	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	383	2,833	SH		SOLE		2,833	0	0
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	2,428	66,777	SH		SOLE		66,777	0	0
VANGUARD WHITEHALL FDS	EM MK GOV BD ETF	921946885	342	5,944	SH		SOLE		5,944	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	382	4,027	SH		SOLE		4,027	0	0
WISDOMTREE TR	CBOE S&P 500	97717X560	221	7,415	SH		SOLE		7,415	0	0
WISDOMTREE TR	INTERNATIONL EFI	97717Y634	735	27,035	SH		SOLE		27,035	0	0
WISDOMTREE TR	US EFFICIENT COR	97717Y790	4,614	150,879	SH		SOLE		150,879	0	0