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	273,754	2,287	SH		SOLE		2,287	0	0
AMAZON COM INC	COM	023135106	504,624	3,871	SH		SOLE		3,871	0	0
APPLE INC	COM	037833100	1,659,653	8,556	SH		SOLE		8,556	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	332,134	974	SH		SOLE		974	0	0
BLACKROCK CORE BD TR	SHS BEN INT	09249E101	118,500	11,137	SH		SOLE		11,137	0	0
DBX ETF TR	XTRACKERS SHRT	233051283	643,999	14,819	SH		SOLE		14,819	0	0
FIDELITY COVINGTON TRUST	MSCI INFO TECH I	316092808	419,616	3,212	SH		SOLE		3,212	0	0
GOLDMAN SACHS ETF TR	ACCES TREASURY	381430529	3,698,887	36,963	SH		SOLE		36,963	0	0
GRANITESHARES ETF TR	HIPS US HIGH INC	38747R306	272,261	23,109	SH		SOLE		23,109	0	0
INDEXIQ ETF TR	IQ MRGR ARB ETF	45409B800	252,034	8,078	SH		SOLE		8,078	0	0
INTUIT	COM	461202103	268,041	585	SH		SOLE		585	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	680,279	1,841	SH		SOLE		1,841	0	0
ISHARES INC	EMNG MKTS EQT	46434G889	1,489,661	35,836	SH		SOLE		35,836	0	0
ISHARES INC	ESG AWR MSCI EM	46434G863	845,712	26,738	SH		SOLE		26,738	0	0
ISHARES INC	JP MORGAN EM ETF	464286517	1,641,911	44,352	SH		SOLE		44,352	0	0
ISHARES INC	MSCI EMERG MRKT	464286533	1,701,189	30,942	SH		SOLE		30,942	0	0
ISHARES INC	MSCI GBL GOLD MN	46434G855	1,320,490	56,673	SH		SOLE		56,673	0	0
ISHARES TR	0-5 YR TIPS ETF	46429B747	809,214	8,291	SH		SOLE		8,291	0	0
ISHARES TR	10-20 YR TRS ETF	464288653	449,726	4,060	SH		SOLE		4,060	0	0
ISHARES TR	BLACKROCK ULTRA	46434V878	3,934,392	78,219	SH		SOLE		78,219	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	1,594,258	27,994	SH		SOLE		27,994	0	0
ISHARES TR	CONV BD ETF	46435G102	691,211	9,052	SH		SOLE		9,052	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	1,279,183	18,951	SH		SOLE		18,951	0	0
ISHARES TR	CORE S&P TTL STK	464287150	240,197	2,455	SH		SOLE		2,455	0	0
ISHARES TR	CORE S&P500 ETF	464287200	2,650,715	5,947	SH		SOLE		5,947	0	0
ISHARES TR	CORE TOTAL USD	46434V613	796,372	17,514	SH		SOLE		17,514	0	0
ISHARES TR	CORE US AGGBD ET	464287226	725,316	7,405	SH		SOLE		7,405	0	0
ISHARES TR	EAFE GRWTH ETF	464288885	1,102,246	11,553	SH		SOLE		11,553	0	0
ISHARES TR	EAFE VALUE ETF	464288877	444,439	9,081	SH		SOLE		9,081	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	1,967,886	26,983	SH		SOLE		26,983	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	3,790,729	38,895	SH		SOLE		38,895	0	0
ISHARES TR	ESG AWRE 1 5 YR	46435G243	204,621	8,558	SH		SOLE		8,558	0	0
ISHARES TR	ESG SCRND S&P500	46436E569	299,143	8,846	SH		SOLE		8,846	0	0
ISHARES TR	HIGH YLD BD FCTR	46435G250	501,579	11,221	SH		SOLE		11,221	0	0
ISHARES TR	INTERNATIONAL SL	46434V266	870,556	28,219	SH		SOLE		28,219	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	5,180,081	103,251	SH		SOLE		103,251	0	0
ISHARES TR	ISHS 5-10YR INVT	464288638	214,617	4,244	SH		SOLE		4,244	0	0
ISHARES TR	MBS ETF	464288588	1,272,079	13,639	SH		SOLE		13,639	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	986,576	14,616	SH		SOLE		14,616	0	0
ISHARES TR	MSCI INTL MOMENT	46434V449	416,062	12,532	SH		SOLE		12,532	0	0
ISHARES TR	MSCI INTL QUALTY	46434V456	237,701	6,677	SH		SOLE		6,677	0	0
ISHARES TR	MSCI INTL VLU FT	46435G409	751,996	29,548	SH		SOLE		29,548	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	4,676,031	62,909	SH		SOLE		62,909	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	2,464,173	17,083	SH		SOLE		17,083	0	0
ISHARES TR	MSCI USA QLT FCT	46432F339	1,949,667	14,456	SH		SOLE		14,456	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	311,972	2,923	SH		SOLE		2,923	0	0
ISHARES TR	S&P 500 VAL ETF	464287408	209,910	1,302	SH		SOLE		1,302	0	0
ISHARES TR	SHRT NAT MUN ETF	464288158	290,584	2,793	SH		SOLE		2,793	0	0
ISHARES TR	U S EQUITY FACTR	46434V282	381,211	8,555	SH		SOLE		8,555	0	0
ISHARES TR	U.S. TECH ETF	464287721	382,678	3,515	SH		SOLE		3,515	0	0
ISHARES TR	US TREAS BD ETF	46429B267	1,436,904	62,747	SH		SOLE		62,747	0	0
ISHARES TR	USD INV GRDE ETF	464288620	647,634	12,929	SH		SOLE		12,929	0	0
J P MORGAN EXCHANGE TRADED F	DIV RTN EM EQT	46641Q308	4,825,049	95,564	SH		SOLE		95,564	0	0
J P MORGAN EXCHANGE TRADED F	JPMORGAN DIVER	46641Q407	1,392,070	14,238	SH		SOLE		14,238	0	0
J P MORGAN EXCHANGE TRADED F	US MOMENTUM	46641Q779	329,146	7,768	SH		SOLE		7,768	0	0
J P MORGAN EXCHANGE TRADED F	US QUALTY FCTR	46641Q761	219,762	4,963	SH		SOLE		4,963	0	0
J P MORGAN EXCHANGE TRADED F	US VALUE FACTR	46641Q753	927,579	25,997	SH		SOLE		25,997	0	0
LITMAN GREGORY FDS TR	IMGP DBI MANAGED	53700T827	1,229,065	44,483	SH		SOLE		44,483	0	0
MCDONALDS CORP	COM	580135101	313,668	1,051	SH		SOLE		1,051	0	0
MICROSOFT CORP	COM	594918104	1,674,095	4,916	SH		SOLE		4,916	0	0
ORACLE CORP	COM	68389X105	323,578	2,717	SH		SOLE		2,717	0	0
PIMCO EQUITY SER	RAFI ESG US	72201T342	833,817	27,424	SH		SOLE		27,424	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	1,044,246	42,397	SH		SOLE		42,397	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	4,631,705	129,922	SH		SOLE		129,922	0	0
SCHWAB STRATEGIC TR	INT-TRM U.S TRES	808524854	1,447,022	29,363	SH		SOLE		29,363	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	9,320,750	161,903	SH		SOLE		161,903	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	647,868	12,842	SH		SOLE		12,842	0	0
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	6,127,358	228,889	SH		SOLE		228,889	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	9,289,367	287,686	SH		SOLE		287,686	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	643,082	19,376	SH		SOLE		19,376	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	754,151	15,692	SH		SOLE		15,692	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	428,186	9,276	SH		SOLE		9,276	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	6,150,632	118,968	SH		SOLE		118,968	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	1,768,691	24,355	SH		SOLE		24,355	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	343,456	4,582	SH		SOLE		4,582	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	3,122,921	59,632	SH		SOLE		59,632	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	558,032	10,643	SH		SOLE		10,643	0	0
SIMPLIFY EXCHANGE TRADED FUN	INTMD TERM TRSRY	82889N798	247,269	16,821	SH		SOLE		16,821	0	0
UBS AG LONDON BRANCH	ETRACS UBS BLOOM	90274D390	2,727,512	116,288	SH		SOLE		116,288	0	0
VANECK ETF TRUST	JP MRGAN EM LOC	92189H300	401,729	15,717	SH		SOLE		15,717	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	487,581	1,723	SH		SOLE		1,723	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	243,700	1,225	SH		SOLE		1,225	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	3,887,281	17,647	SH		SOLE		17,647	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	243,366	1,713	SH		SOLE		1,713	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	488,201	12,001	SH		SOLE		12,001	0	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	317,900	3,278	SH		SOLE		3,278	0	0
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	657,445	10,349	SH		SOLE		10,349	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	481,037	2,962	SH		SOLE		2,962	0	0
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	2,725,332	59,015	SH		SOLE		59,015	0	0
VANGUARD WHITEHALL FDS	EM MK GOV BD ETF	921946885	260,609	4,185	SH		SOLE		4,185	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	283,737	2,675	SH		SOLE		2,675	0	0
VANGUARD WORLD FD	EXTENDED DUR	921910709	254,263	2,920	SH		SOLE		2,920	0	0
WISDOMTREE TR	INTERNATIONL EFI	97717Y634	864,829	25,109	SH		SOLE		25,109	0	0
WISDOMTREE TR	US EFFICIENT COR	97717Y790	2,975,278	80,261	SH		SOLE		80,261	0	0