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
ABRDN ETFS	BBRG ALL COMMDY	003261203	620,349	18,753	SH		SOLE		18,753	0	0
ALPHABET INC	CAP STK CL A	02079K305	309,615	2,366	SH		SOLE		2,366	0	0
AMAZON COM INC	COM	023135106	874,586	6,880	SH		SOLE		6,880	0	0
APPLE INC	COM	037833100	1,464,913	8,556	SH		SOLE		8,556	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	353,102	1,008	SH		SOLE		1,008	0	0
DBX ETF TR	XTRACKERS SHRT	233051283	401,435	9,331	SH		SOLE		9,331	0	0
FIDELITY COVINGTON TRUST	MSCI INFO TECH I	316092808	223,487	1,818	SH		SOLE		1,818	0	0
GOLDMAN SACHS ETF TR	ACCES TREASURY	381430529	3,831,610	38,274	SH		SOLE		38,274	0	0
INDEXIQ ETF TR	IQ MRGR ARB ETF	45409B800	262,165	8,299	SH		SOLE		8,299	0	0
INTUIT	COM	461202103	278,462	545	SH		SOLE		545	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	692,476	1,933	SH		SOLE		1,933	0	0
ISHARES INC	EMNG MKTS EQT	46434G889	1,051,209	25,702	SH		SOLE		25,702	0	0
ISHARES INC	ESG AWR MSCI EM	46434G863	735,218	24,281	SH		SOLE		24,281	0	0
ISHARES INC	JP MORGAN EM ETF	464286517	1,832,929	52,625	SH		SOLE		52,625	0	0
ISHARES INC	MSCI EMERG MRKT	464286533	1,208,826	22,658	SH		SOLE		22,658	0	0
ISHARES INC	MSCI GBL GOLD MN	46434G855	836,598	40,415	SH		SOLE		40,415	0	0
ISHARES TR	0-5 YR TIPS ETF	46429B747	1,237,658	12,770	SH		SOLE		12,770	0	0
ISHARES TR	10-20 YR TRS ETF	464288653	345,236	3,506	SH		SOLE		3,506	0	0
ISHARES TR	BLACKROCK ULTRA	46434V878	4,679,851	92,891	SH		SOLE		92,891	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	1,382,736	25,214	SH		SOLE		25,214	0	0
ISHARES TR	CONV BD ETF	46435G102	630,785	8,500	SH		SOLE		8,500	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	1,538,020	23,901	SH		SOLE		23,901	0	0
ISHARES TR	CORE S&P TTL STK	464287150	253,371	2,690	SH		SOLE		2,690	0	0
ISHARES TR	CORE S&P500 ETF	464287200	2,881,979	6,711	SH		SOLE		6,711	0	0
ISHARES TR	CORE TOTAL USD	46434V613	924,309	21,144	SH		SOLE		21,144	0	0
ISHARES TR	CORE US AGGBD ET	464287226	910,127	9,678	SH		SOLE		9,678	0	0
ISHARES TR	EAFE GRWTH ETF	464288885	959,202	11,115	SH		SOLE		11,115	0	0
ISHARES TR	EAFE VALUE ETF	464288877	637,472	13,028	SH		SOLE		13,028	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	1,840,394	26,622	SH		SOLE		26,622	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	3,833,422	40,820	SH		SOLE		40,820	0	0
ISHARES TR	ESG AWRE 1 5 YR	46435G243	215,572	9,069	SH		SOLE		9,069	0	0
ISHARES TR	ESG SCRND S&P500	46436E569	286,870	8,846	SH		SOLE		8,846	0	0
ISHARES TR	HIGH YLD BD FCTR	46435G250	322,025	7,330	SH		SOLE		7,330	0	0
ISHARES TR	INTERNATIONAL SL	46434V266	1,724,899	58,313	SH		SOLE		58,313	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	6,653,504	133,524	SH		SOLE		133,524	0	0
ISHARES TR	MBS ETF	464288588	1,274,551	14,353	SH		SOLE		14,353	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	685,063	10,504	SH		SOLE		10,504	0	0
ISHARES TR	MSCI INTL MOMENT	46434V449	431,370	13,703	SH		SOLE		13,703	0	0
ISHARES TR	MSCI INTL VLU FT	46435G409	1,066,463	42,053	SH		SOLE		42,053	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	4,678,431	64,637	SH		SOLE		64,637	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	3,314,055	23,723	SH		SOLE		23,723	0	0
ISHARES TR	MSCI USA QLT FCT	46432F339	2,296,295	17,424	SH		SOLE		17,424	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	431,251	6,303	SH		SOLE		6,303	0	0
ISHARES TR	S&P 500 VAL ETF	464287408	200,338	1,302	SH		SOLE		1,302	0	0
ISHARES TR	SHRT NAT MUN ETF	464288158	532,712	5,179	SH		SOLE		5,179	0	0
ISHARES TR	TRS FLT RT BD	46434V860	403,941	7,961	SH		SOLE		7,961	0	0
ISHARES TR	U S EQUITY FACTR	46434V282	367,960	8,494	SH		SOLE		8,494	0	0
ISHARES TR	U.S. TECH ETF	464287721	373,725	3,562	SH		SOLE		3,562	0	0
ISHARES TR	US TREAS BD ETF	46429B267	1,268,306	57,546	SH		SOLE		57,546	0	0
ISHARES TR	USD INV GRDE ETF	464288620	328,700	6,838	SH		SOLE		6,838	0	0
J P MORGAN EXCHANGE TRADED F	DIV RTN EM EQT	46641Q308	4,890,812	97,098	SH		SOLE		97,098	0	0
J P MORGAN EXCHANGE TRADED F	JPMORGAN DIVER	46641Q407	1,313,689	13,986	SH		SOLE		13,986	0	0
J P MORGAN EXCHANGE TRADED F	US MOMENTUM	46641Q779	342,847	8,354	SH		SOLE		8,354	0	0
J P MORGAN EXCHANGE TRADED F	US VALUE FACTR	46641Q753	491,709	14,195	SH		SOLE		14,195	0	0
LITMAN GREGORY FDS TR	IMGP DBI MANAGED	53700T827	1,320,990	45,709	SH		SOLE		45,709	0	0
MCDONALDS CORP	COM	580135101	276,910	1,051	SH		SOLE		1,051	0	0
MICROSOFT CORP	COM	594918104	1,530,440	4,847	SH		SOLE		4,847	0	0
NUVEEN CA QUALTY MUN INCOME	COM	67066Y105	119,670	12,401	SH		SOLE		12,401	0	0
ORACLE CORP	COM	68389X105	287,794	2,717	SH		SOLE		2,717	0	0
PIMCO EQUITY SER	RAFI ESG US	72201T342	783,025	26,927	SH		SOLE		26,927	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	936,468	39,117	SH		SOLE		39,117	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	4,892,943	144,080	SH		SOLE		144,080	0	0
SCHWAB STRATEGIC TR	INT-TRM U.S TRES	808524854	1,068,807	22,295	SH		SOLE		22,295	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	8,939,519	159,720	SH		SOLE		159,720	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	465,734	9,605	SH		SOLE		9,605	0	0
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	6,587,540	251,241	SH		SOLE		251,241	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	9,445,410	298,245	SH		SOLE		298,245	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	1,418,749	44,143	SH		SOLE		44,143	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	912,790	19,060	SH		SOLE		19,060	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	409,568	9,260	SH		SOLE		9,260	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	6,136,027	123,090	SH		SOLE		123,090	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	1,663,146	23,504	SH		SOLE		23,504	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	652,967	8,979	SH		SOLE		8,979	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	3,183,190	62,909	SH		SOLE		62,909	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	1,051,067	20,817	SH		SOLE		20,817	0	0
UBS AG LONDON BRANCH	ETRACS UBS BLOOM	90274D390	3,218,929	126,729	SH		SOLE		126,729	0	0
VANECK ETF TRUST	JP MRGAN EM LOC	92189H300	363,532	15,230	SH		SOLE		15,230	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	816,424	2,998	SH		SOLE		2,998	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	225,711	1,415	SH		SOLE		1,415	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	222,025	1,174	SH		SOLE		1,174	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	4,807,263	22,632	SH		SOLE		22,632	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	808,471	20,619	SH		SOLE		20,619	0	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	266,495	2,860	SH		SOLE		2,860	0	0
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	354,449	7,369	SH		SOLE		7,369	0	0
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	585,418	10,546	SH		SOLE		10,546	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	419,915	2,703	SH		SOLE		2,703	0	0
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	3,453,336	78,988	SH		SOLE		78,988	0	0
VANGUARD WHITEHALL FDS	EM MK GOV BD ETF	921946885	273,979	4,631	SH		SOLE		4,631	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	276,381	2,675	SH		SOLE		2,675	0	0
VANGUARD WORLD FD	EXTENDED DUR	921910709	370,684	5,293	SH		SOLE		5,293	0	0
WESTERN ASST INFLTN LKD INM	COM SH BEN INT	95766Q106	683,890	87,454	SH		SOLE		87,454	0	0
WISDOMTREE TR	INTERNATIONL EFI	97717Y634	324,165	10,149	SH		SOLE		10,149	0	0
WISDOMTREE TR	US EFFICIENT COR	97717Y790	2,546,870	72,851	SH		SOLE		72,851	0	0