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	204,000	2,309	SH		SOLE		2,309	0	0
AMAZON COM INC	COM	023135106	208,000	2,476	SH		SOLE		2,476	0	0
APPLE INC	COM	037833100	1,071,000	8,245	SH		SOLE		8,245	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	301,000	974	SH		SOLE		974	0	0
BLACKROCK CORE BD TR	SHS BEN INT	09249E101	2,745,000	264,418	SH		SOLE		264,418	0	0
DBX ETF TR	XTRACKERS SHRT	233051283	756,000	17,738	SH		SOLE		17,738	0	0
FIDELITY COVINGTON TRUST	MSCI INFO TECH I	316092808	203,000	2,148	SH		SOLE		2,148	0	0
GOLDMAN SACHS ETF TR	ACCES TREASURY	381430529	2,615,000	26,222	SH		SOLE		26,222	0	0
GRANITESHARES ETF TR	HIPS US HIGH INC	38747R306	167,000	13,913	SH		SOLE		13,913	0	0
INDEXIQ ETF TR	IQ MRGR ARB ETF	45409B800	298,000	9,399	SH		SOLE		9,399	0	0
INTUIT	COM	461202103	290,000	745	SH		SOLE		745	0	0
INVESCO EXCH TRADED FD TR II	S&P EMRNG MKTS	46138E297	310,000	13,452	SH		SOLE		13,452	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	490,000	1,841	SH		SOLE		1,841	0	0
ISHARES INC	ESG AWR MSCI EM	46434G863	628,000	20,900	SH		SOLE		20,900	0	0
ISHARES INC	JP MORGAN EM ETF	464286517	457,000	13,180	SH		SOLE		13,180	0	0
ISHARES INC	MSCI EMERG MKT	46434G889	2,763,000	67,326	SH		SOLE		67,326	0	0
ISHARES INC	MSCI EMERG MRKT	464286533	1,864,000	35,134	SH		SOLE		35,134	0	0
ISHARES INC	MSCI GBL GOLD MN	46434G855	954,000	42,737	SH		SOLE		42,737	0	0
ISHARES TR	0-5 YR TIPS ETF	46429B747	621,000	6,407	SH		SOLE		6,407	0	0
ISHARES TR	0-5YR HI YL CP	46434V407	205,000	5,019	SH		SOLE		5,019	0	0
ISHARES TR	10-20 YR TRS ETF	464288653	236,000	2,186	SH		SOLE		2,186	0	0
ISHARES TR	BLACKROCK ULTRA	46434V878	1,448,000	28,933	SH		SOLE		28,933	0	0
ISHARES TR	BROAD USD HIGH	46435U853	333,000	9,638	SH		SOLE		9,638	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	1,608,000	28,650	SH		SOLE		28,650	0	0
ISHARES TR	CONV BD ETF	46435G102	646,000	9,304	SH		SOLE		9,304	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	971,000	15,756	SH		SOLE		15,756	0	0
ISHARES TR	CORE S&P TTL STK	464287150	205,000	2,414	SH		SOLE		2,414	0	0
ISHARES TR	CORE S&P500 ETF	464287200	2,432,000	6,331	SH		SOLE		6,331	0	0
ISHARES TR	CORE TOTAL USD	46434V613	340,000	7,577	SH		SOLE		7,577	0	0
ISHARES TR	CORE US AGGBD ET	464287226	614,000	6,329	SH		SOLE		6,329	0	0
ISHARES TR	EAFE GRWTH ETF	464288885	298,000	3,552	SH		SOLE		3,552	0	0
ISHARES TR	EAFE VALUE ETF	464288877	600,000	13,078	SH		SOLE		13,078	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	1,728,000	26,290	SH		SOLE		26,290	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	3,493,000	41,213	SH		SOLE		41,213	0	0
ISHARES TR	ESG SCRND S&P500	46436E569	258,000	9,076	SH		SOLE		9,076	0	0
ISHARES TR	HIGH YLD BD FCTR	46435G250	761,000	17,457	SH		SOLE		17,457	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	4,057,000	81,440	SH		SOLE		81,440	0	0
ISHARES TR	ISHS 5-10YR INVT	464288638	256,000	5,163	SH		SOLE		5,163	0	0
ISHARES TR	MBS ETF	464288588	911,000	9,819	SH		SOLE		9,819	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	1,272,000	20,010	SH		SOLE		20,010	0	0
ISHARES TR	MSCI INTL MOMENT	46434V449	620,000	20,124	SH		SOLE		20,124	0	0
ISHARES TR	MSCI INTL QUALTY	46434V456	224,000	6,917	SH		SOLE		6,917	0	0
ISHARES TR	MSCI INTL SML CP	46434V266	585,000	19,498	SH		SOLE		19,498	0	0
ISHARES TR	MSCI INTL VLU FT	46435G409	742,000	32,017	SH		SOLE		32,017	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	4,173,000	57,881	SH		SOLE		57,881	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	2,610,000	17,884	SH		SOLE		17,884	0	0
ISHARES TR	MSCI USA QLT FCT	46432F339	421,000	3,691	SH		SOLE		3,691	0	0
ISHARES TR	MSCI USA VALUE	46432F388	552,000	6,060	SH		SOLE		6,060	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	253,000	2,398	SH		SOLE		2,398	0	0
ISHARES TR	SHRT NAT MUN ETF	464288158	347,000	3,331	SH		SOLE		3,331	0	0
ISHARES TR	U S EQUITY FACTR	46434V282	375,000	9,602	SH		SOLE		9,602	0	0
ISHARES TR	US TREAS BD ETF	46429B267	1,543,000	67,922	SH		SOLE		67,922	0	0
ISHARES TR	USD INV GRDE ETF	464288620	1,081,000	22,006	SH		SOLE		22,006	0	0
J P MORGAN EXCHANGE TRADED F	DIV RTN EM EQT	46641Q308	3,491,000	70,830	SH		SOLE		70,830	0	0
J P MORGAN EXCHANGE TRADED F	DIVERSFD EQT ETF	46641Q845	619,000	15,980	SH		SOLE		15,980	0	0
J P MORGAN EXCHANGE TRADED F	JPMORGAN DIVER	46641Q407	321,000	3,385	SH		SOLE		3,385	0	0
J P MORGAN EXCHANGE TRADED F	US VALUE FACTR	46641Q753	313,000	9,452	SH		SOLE		9,452	0	0
LITMAN GREGORY FDS TR	IMGP DBI MANAGED	53700T827	993,000	34,124	SH		SOLE		34,124	0	0
MCDONALDS CORP	COM	580135101	343,000	1,300	SH		SOLE		1,300	0	0
MICROSOFT CORP	COM	594918104	1,303,000	5,432	SH		SOLE		5,432	0	0
ORACLE CORP	COM	68389X105	222,000	2,717	SH		SOLE		2,717	0	0
PIMCO EQUITY SER	RAFI ESG US	72201T342	768,000	27,516	SH		SOLE		27,516	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	1,240,000	52,383	SH		SOLE		52,383	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	5,091,000	158,062	SH		SOLE		158,062	0	0
SCHWAB STRATEGIC TR	INT-TRM U.S TRES	808524854	1,839,000	37,365	SH		SOLE		37,365	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	8,054,000	150,708	SH		SOLE		150,708	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	1,657,000	35,465	SH		SOLE		35,465	0	0
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	5,237,000	211,353	SH		SOLE		211,353	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	9,232,000	317,591	SH		SOLE		317,591	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	242,000	7,730	SH		SOLE		7,730	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	1,322,000	27,396	SH		SOLE		27,396	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	677,000	14,829	SH		SOLE		14,829	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	6,124,000	136,662	SH		SOLE		136,662	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	2,648,000	35,048	SH		SOLE		35,048	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	2,297,000	50,885	SH		SOLE		50,885	0	0
SCHWAB STRATEGIC TR	US REIT ETF	808524847	514,000	26,621	SH		SOLE		26,621	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	750,000	14,478	SH		SOLE		14,478	0	0
SIMPLIFY EXCHANGE TRADED FUN	INTMD TERM TRSRY	82889N798	283,000	18,679	SH		SOLE		18,679	0	0
UBS AG LONDON BRANCH	ETRACS UBS BLOOM	90274D390	3,111,000	125,844	SH		SOLE		125,844	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	373,000	1,751	SH		SOLE		1,751	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	250,000	1,361	SH		SOLE		1,361	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	3,395,000	17,758	SH		SOLE		17,758	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	241,000	1,716	SH		SOLE		1,716	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	628,000	16,112	SH		SOLE		16,112	0	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	271,000	3,144	SH		SOLE		3,144	0	0
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	638,000	10,351	SH		SOLE		10,351	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	430,000	2,833	SH		SOLE		2,833	0	0
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	2,452,000	58,420	SH		SOLE		58,420	0	0
VANGUARD WHITEHALL FDS	EM MK GOV BD ETF	921946885	844,000	13,841	SH		SOLE		13,841	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	307,000	2,835	SH		SOLE		2,835	0	0
VANGUARD WORLD FD	EXTENDED DUR	921910709	211,000	2,552	SH		SOLE		2,552	0	0
WISDOMTREE TR	INTERNATIONL EFI	97717Y634	847,000	26,692	SH		SOLE		26,692	0	0
WISDOMTREE TR	US EFFICIENT COR	97717Y790	3,049,000	93,947	SH		SOLE		93,947	0	0