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	237,231	2,287	SH		SOLE		2,287	0	0
AMAZON COM INC	COM	023135106	349,223	3,381	SH		SOLE		3,381	0	0
APPLE INC	COM	037833100	1,263,008	7,659	SH		SOLE		7,659	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	300,742	974	SH		SOLE		974	0	0
BLACKROCK CORE BD TR	SHS BEN INT	09249E101	1,493,777	137,802	SH		SOLE		137,802	0	0
DBX ETF TR	XTRACKERS SHRT	233051283	656,897	15,049	SH		SOLE		15,049	0	0
FIDELITY COVINGTON TRUST	MSCI INFO TECH I	316092808	379,112	3,327	SH		SOLE		3,327	0	0
GOLDMAN SACHS ETF TR	ACCES TREASURY	381430529	4,188,456	41,826	SH		SOLE		41,826	0	0
GRANITESHARES ETF TR	HIPS US HIGH INC	38747R306	245,126	20,791	SH		SOLE		20,791	0	0
INDEXIQ ETF TR	IQ MRGR ARB ETF	45409B800	276,162	8,731	SH		SOLE		8,731	0	0
INTUIT	COM	461202103	260,811	585	SH		SOLE		585	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	590,986	1,841	SH		SOLE		1,841	0	0
ISHARES INC	EMNG MKTS EQT	46434G889	2,288,066	55,108	SH		SOLE		55,108	0	0
ISHARES INC	ESG AWR MSCI EM	46434G863	898,475	28,541	SH		SOLE		28,541	0	0
ISHARES INC	JP MORGAN EM ETF	464286517	759,429	21,066	SH		SOLE		21,066	0	0
ISHARES INC	MSCI EMERG MRKT	464286533	1,484,424	27,202	SH		SOLE		27,202	0	0
ISHARES INC	MSCI GBL GOLD MN	46434G855	1,515,143	60,196	SH		SOLE		60,196	0	0
ISHARES TR	0-5 YR TIPS ETF	46429B747	652,040	6,571	SH		SOLE		6,571	0	0
ISHARES TR	10+ YR INVST GRD	464289511	231,622	4,421	SH		SOLE		4,421	0	0
ISHARES TR	10-20 YR TRS ETF	464288653	361,946	3,160	SH		SOLE		3,160	0	0
ISHARES TR	BLACKROCK ULTRA	46434V878	3,228,581	64,250	SH		SOLE		64,250	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	1,755,215	30,568	SH		SOLE		30,568	0	0
ISHARES TR	CONV BD ETF	46435G102	642,469	8,847	SH		SOLE		8,847	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	1,123,215	16,802	SH		SOLE		16,802	0	0
ISHARES TR	CORE S&P500 ETF	464287200	2,414,225	5,873	SH		SOLE		5,873	0	0
ISHARES TR	CORE TOTAL USD	46434V613	773,643	16,764	SH		SOLE		16,764	0	0
ISHARES TR	CORE US AGGBD ET	464287226	649,521	6,519	SH		SOLE		6,519	0	0
ISHARES TR	EAFE GRWTH ETF	464288885	1,014,649	10,831	SH		SOLE		10,831	0	0
ISHARES TR	EAFE VALUE ETF	464288877	444,339	9,156	SH		SOLE		9,156	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	1,780,362	24,782	SH		SOLE		24,782	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	3,462,984	38,286	SH		SOLE		38,286	0	0
ISHARES TR	ESG SCRND S&P500	46436E569	272,958	8,834	SH		SOLE		8,834	0	0
ISHARES TR	HIGH YLD BD FCTR	46435G250	834,525	18,682	SH		SOLE		18,682	0	0
ISHARES TR	INTERNATIONAL SL	46434V266	857,377	27,584	SH		SOLE		27,584	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	3,864,546	76,465	SH		SOLE		76,465	0	0
ISHARES TR	ISHS 5-10YR INVT	464288638	214,126	4,176	SH		SOLE		4,176	0	0
ISHARES TR	MBS ETF	464288588	1,301,476	13,739	SH		SOLE		13,739	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	911,271	13,470	SH		SOLE		13,470	0	0
ISHARES TR	MSCI INTL MOMENT	46434V449	396,133	12,257	SH		SOLE		12,257	0	0
ISHARES TR	MSCI INTL QUALTY	46434V456	259,596	7,354	SH		SOLE		7,354	0	0
ISHARES TR	MSCI INTL VLU FT	46435G409	726,830	29,319	SH		SOLE		29,319	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	4,396,531	60,442	SH		SOLE		60,442	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	1,793,985	12,903	SH		SOLE		12,903	0	0
ISHARES TR	MSCI USA QLT FCT	46432F339	1,174,776	9,469	SH		SOLE		9,469	0	0
ISHARES TR	MSCI USA VALUE	46432F388	375,238	4,053	SH		SOLE		4,053	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	253,189	2,350	SH		SOLE		2,350	0	0
ISHARES TR	SHRT NAT MUN ETF	464288158	293,837	2,807	SH		SOLE		2,807	0	0
ISHARES TR	U S EQUITY FACTR	46434V282	365,791	8,827	SH		SOLE		8,827	0	0
ISHARES TR	U.S. TECH ETF	464287721	291,331	3,139	SH		SOLE		3,139	0	0
ISHARES TR	US TREAS BD ETF	46429B267	1,329,103	56,848	SH		SOLE		56,848	0	0
ISHARES TR	USD INV GRDE ETF	464288620	1,143,934	22,581	SH		SOLE		22,581	0	0
J P MORGAN EXCHANGE TRADED F	DIV RTN EM EQT	46641Q308	4,244,603	84,085	SH		SOLE		84,085	0	0
J P MORGAN EXCHANGE TRADED F	DIVERSFD EQT ETF	46641Q845	362,515	9,095	SH		SOLE		9,095	0	0
J P MORGAN EXCHANGE TRADED F	JPMORGAN DIVER	46641Q407	522,830	5,468	SH		SOLE		5,468	0	0
J P MORGAN EXCHANGE TRADED F	US VALUE FACTR	46641Q753	734,334	21,560	SH		SOLE		21,560	0	0
LITMAN GREGORY FDS TR	IMGP DBI MANAGED	53700T827	1,071,225	40,731	SH		SOLE		40,731	0	0
MCDONALDS CORP	COM	580135101	293,907	1,051	SH		SOLE		1,051	0	0
MICROSOFT CORP	COM	594918104	1,417,283	4,916	SH		SOLE		4,916	0	0
ORACLE CORP	COM	68389X105	252,472	2,717	SH		SOLE		2,717	0	0
PIMCO EQUITY SER	RAFI ESG US	72201T342	708,707	24,525	SH		SOLE		24,525	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	1,210,041	49,349	SH		SOLE		49,349	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	4,513,308	129,693	SH		SOLE		129,693	0	0
SCHWAB STRATEGIC TR	INT-TRM U.S TRES	808524854	1,574,396	31,219	SH		SOLE		31,219	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	8,746,199	159,253	SH		SOLE		159,253	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	2,156,564	44,310	SH		SOLE		44,310	0	0
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	5,775,516	221,709	SH		SOLE		221,709	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	9,198,082	294,150	SH		SOLE		294,150	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	684,644	20,665	SH		SOLE		20,665	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	1,039,659	21,309	SH		SOLE		21,309	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	448,779	9,567	SH		SOLE		9,567	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	5,757,236	120,318	SH		SOLE		120,318	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	3,010,843	41,154	SH		SOLE		41,154	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	2,844,617	58,810	SH		SOLE		58,810	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	621,290	11,589	SH		SOLE		11,589	0	0
SIMPLIFY EXCHANGE TRADED FUN	INTMD TERM TRSRY	82889N798	290,973	17,884	SH		SOLE		17,884	0	0
UBS AG LONDON BRANCH	ETRACS UBS BLOOM	90274D390	2,879,358	118,419	SH		SOLE		118,419	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	438,801	1,759	SH		SOLE		1,759	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	228,855	1,207	SH		SOLE		1,207	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	3,714,620	18,200	SH		SOLE		18,200	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	236,533	1,713	SH		SOLE		1,713	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	540,512	13,379	SH		SOLE		13,379	0	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	243,670	2,646	SH		SOLE		2,646	0	0
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	745,409	11,379	SH		SOLE		11,379	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	435,617	2,829	SH		SOLE		2,829	0	0
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	2,734,494	60,538	SH		SOLE		60,538	0	0
VANGUARD WHITEHALL FDS	EM MK GOV BD ETF	921946885	681,393	10,936	SH		SOLE		10,936	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	282,213	2,675	SH		SOLE		2,675	0	0
VANGUARD WORLD FD	EXTENDED DUR	921910709	290,653	3,210	SH		SOLE		3,210	0	0
WISDOMTREE TR	INTERNATIONL EFI	97717Y634	890,429	25,939	SH		SOLE		25,939	0	0
WISDOMTREE TR	US EFFICIENT COR	97717Y790	2,994,238	85,403	SH		SOLE		85,403	0	0