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	711,432	23,257	SH		SOLE		23,257	0	0
ALPHABET INC	CAP STK CL A	02079K305	377,023	2,699	SH		SOLE		2,699	0	0
AMAZON COM INC	COM	023135106	1,029,090	6,773	SH		SOLE		6,773	0	0
APPLE INC	COM	037833100	1,377,552	7,155	SH		SOLE		7,155	0	0
AT&T INC	COM	00206R102	223,342	13,310	SH		SOLE		13,310	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	359,513	1,008	SH		SOLE		1,008	0	0
DBX ETF TR	XTRACKERS SHRT	233051283	428,399	9,656	SH		SOLE		9,656	0	0
FIDELITY COVINGTON TRUST	MSCI INFO TECH I	316092808	391,850	2,728	SH		SOLE		2,728	0	0
GOLDMAN SACHS ETF TR	ACCES TREASURY	381430529	2,797,508	28,048	SH		SOLE		28,048	0	0
GRANITESHARES ETF TR	HIPS US HIGH INC	38747R306	446,925	35,754	SH		SOLE		35,754	0	0
HEWLETT PACKARD ENTERPRISE C	COM	42824C109	254,479	14,987	SH		SOLE		14,987	0	0
HP INC	COM	40434L105	383,768	12,754	SH		SOLE		12,754	0	0
INDEXIQ ETF TR	IQ MRGR ARB ETF	45409B800	302,510	9,631	SH		SOLE		9,631	0	0
INTUIT	COM	461202103	331,266	530	SH		SOLE		530	0	0
INTUITIVE SURGICAL INC	COM NEW	46120E602	411,242	1,219	SH		SOLE		1,219	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	852,962	2,083	SH		SOLE		2,083	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	260,901	5,158	SH		SOLE		5,158	0	0
ISHARES INC	EMNG MKTS EQT	46434G889	895,384	20,891	SH		SOLE		20,891	0	0
ISHARES INC	ESG AWR MSCI EM	46434G863	605,097	18,874	SH		SOLE		18,874	0	0
ISHARES INC	JP MORGAN EM ETF	464286517	1,104,868	30,089	SH		SOLE		30,089	0	0
ISHARES INC	MSCI EMERG MRKT	464286533	827,079	14,878	SH		SOLE		14,878	0	0
ISHARES INC	MSCI EMRG CHN	46434G764	417,126	7,528	SH		SOLE		7,528	0	0
ISHARES INC	MSCI GBL GOLD MN	46434G855	723,718	29,443	SH		SOLE		29,443	0	0
ISHARES TR	0-5 YR TIPS ETF	46429B747	781,846	7,930	SH		SOLE		7,930	0	0
ISHARES TR	10+ YR INVST GRD	464289511	210,654	3,998	SH		SOLE		3,998	0	0
ISHARES TR	10-20 YR TRS ETF	464288653	520,406	4,807	SH		SOLE		4,807	0	0
ISHARES TR	BLACKROCK ULTRA	46434V878	4,751,495	94,351	SH		SOLE		94,351	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	1,349,712	23,295	SH		SOLE		23,295	0	0
ISHARES TR	CONV BD ETF	46435G102	657,091	8,361	SH		SOLE		8,361	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	1,548,241	22,008	SH		SOLE		22,008	0	0
ISHARES TR	CORE S&P TTL STK	464287150	320,952	3,050	SH		SOLE		3,050	0	0
ISHARES TR	CORE S&P500 ETF	464287200	3,370,787	7,057	SH		SOLE		7,057	0	0
ISHARES TR	CORE TOTAL USD	46434V613	878,907	19,078	SH		SOLE		19,078	0	0
ISHARES TR	CORE US AGGBD ET	464287226	1,402,075	14,127	SH		SOLE		14,127	0	0
ISHARES TR	EAFE GRWTH ETF	464288885	419,506	4,332	SH		SOLE		4,332	0	0
ISHARES TR	EAFE VALUE ETF	464288877	796,515	15,288	SH		SOLE		15,288	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	1,933,618	25,597	SH		SOLE		25,597	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	4,390,608	41,847	SH		SOLE		41,847	0	0
ISHARES TR	ESG AWRE 1 5 YR	46435G243	267,978	10,947	SH		SOLE		10,947	0	0
ISHARES TR	ESG SCRND S&P500	46436E569	323,515	8,891	SH		SOLE		8,891	0	0
ISHARES TR	INTERNATIONAL SL	46434V266	1,792,019	55,774	SH		SOLE		55,774	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	7,301,757	142,404	SH		SOLE		142,404	0	0
ISHARES TR	MBS ETF	464288588	1,358,093	14,436	SH		SOLE		14,436	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	480,314	6,927	SH		SOLE		6,927	0	0
ISHARES TR	MSCI INTL MOMENT	46434V449	424,304	12,374	SH		SOLE		12,374	0	0
ISHARES TR	MSCI INTL VLU FT	46435G409	1,303,365	49,165	SH		SOLE		49,165	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	4,997,448	64,045	SH		SOLE		64,045	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	3,615,166	23,043	SH		SOLE		23,043	0	0
ISHARES TR	MSCI USA QLT FCT	46432F339	2,976,330	20,228	SH		SOLE		20,228	0	0
ISHARES TR	S&P 100 ETF	464287101	425,558	1,905	SH		SOLE		1,905	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	681,683	9,077	SH		SOLE		9,077	0	0
ISHARES TR	SHRT NAT MUN ETF	464288158	631,420	5,989	SH		SOLE		5,989	0	0
ISHARES TR	TRS FLT RT BD	46434V860	221,765	4,394	SH		SOLE		4,394	0	0
ISHARES TR	U S EQUITY FACTR	46434V282	397,378	8,229	SH		SOLE		8,229	0	0
ISHARES TR	U.S. TECH ETF	464287721	474,674	3,867	SH		SOLE		3,867	0	0
ISHARES TR	US TREAS BD ETF	46429B267	870,115	37,765	SH		SOLE		37,765	0	0
ISHARES TR	USD INV GRDE ETF	464288620	209,119	4,080	SH		SOLE		4,080	0	0
J P MORGAN EXCHANGE TRADED F	DIV RTN EM EQT	46641Q308	5,495,336	105,093	SH		SOLE		105,093	0	0
J P MORGAN EXCHANGE TRADED F	DIV RTN INT EQ	46641Q209	653,841	12,037	SH		SOLE		12,037	0	0
J P MORGAN EXCHANGE TRADED F	JPMORGAN DIVER	46641Q407	1,769,387	17,225	SH		SOLE		17,225	0	0
J P MORGAN EXCHANGE TRADED F	US MOMENTUM	46641Q779	387,811	8,484	SH		SOLE		8,484	0	0
J P MORGAN EXCHANGE TRADED F	US VALUE FACTR	46641Q753	282,558	7,324	SH		SOLE		7,324	0	0
KEYSIGHT TECHNOLOGIES INC	COM	49338L103	261,862	1,646	SH		SOLE		1,646	0	0
LITMAN GREGORY FDS TR	IMGP DBI MANAGED	53700T827	1,171,256	45,468	SH		SOLE		45,468	0	0
MCDONALDS CORP	COM	580135101	308,706	1,041	SH		SOLE		1,041	0	0
MICROSOFT CORP	COM	594918104	1,723,767	4,584	SH		SOLE		4,584	0	0
NUVEEN CA QUALTY MUN INCOME	COM	67066Y105	243,669	21,972	SH		SOLE		21,972	0	0
PIMCO EQUITY SER	RAFI ESG US	72201T342	700,570	21,542	SH		SOLE		21,542	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	497,222	20,057	SH		SOLE		20,057	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	5,422,170	146,704	SH		SOLE		146,704	0	0
SCHWAB STRATEGIC TR	INT-TRM U.S TRES	808524854	761,915	15,324	SH		SOLE		15,324	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	10,122,891	163,431	SH		SOLE		163,431	0	0
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	557,749	10,077	SH		SOLE		10,077	0	0
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	6,751,665	248,772	SH		SOLE		248,772	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	10,072,258	298,614	SH		SOLE		298,614	0	0
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	1,747,586	50,132	SH		SOLE		50,132	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	538,457	11,114	SH		SOLE		11,114	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	432,502	9,277	SH		SOLE		9,277	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	7,705,621	138,416	SH		SOLE		138,416	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	1,929,966	25,351	SH		SOLE		25,351	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	1,268,723	15,293	SH		SOLE		15,293	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	3,522,834	62,462	SH		SOLE		62,462	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	940,473	18,017	SH		SOLE		18,017	0	0
UBS AG LONDON BRANCH	ETRACS UBS BLOOM	90274D390	3,254,180	134,665	SH		SOLE		134,665	0	0
UFP INDUSTRIES INC	COM	90278Q108	210,924	1,680	SH		SOLE		1,680	0	0
VANECK ETF TRUST	JP MRGAN EM LOC	92189H300	1,031,254	40,681	SH		SOLE		40,681	0	0
VANGUARD BD INDEX FDS	VANGUARD ULTRA	92203C303	221,738	4,485	SH		SOLE		4,485	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	993,306	3,195	SH		SOLE		3,195	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	6,070,768	25,591	SH		SOLE		25,591	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	1,051,626	25,587	SH		SOLE		25,587	0	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	220,266	2,141	SH		SOLE		2,141	0	0
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	294,405	5,767	SH		SOLE		5,767	0	0
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	1,098,333	17,850	SH		SOLE		17,850	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	401,037	2,354	SH		SOLE		2,354	0	0
VANGUARD STAR FDS	VG TL INTL STK F	921909768	209,467	3,614	SH		SOLE		3,614	0	0
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	4,661,940	97,327	SH		SOLE		97,327	0	0
VANGUARD WHITEHALL FDS	EM MK GOV BD ETF	921946885	280,892	4,406	SH		SOLE		4,406	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	298,610	2,675	SH		SOLE		2,675	0	0
VANGUARD WORLD FD	EXTENDED DUR	921910709	543,486	6,707	SH		SOLE		6,707	0	0
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	377,833	2,232	SH		SOLE		2,232	0	0
WESTERN ASST INFLTN LKD INM	COM SH BEN INT	95766Q106	1,299,314	160,014	SH		SOLE		160,014	0	0
WISDOMTREE TR	US EFFICIENT COR	97717Y790	2,636,767	67,093	SH		SOLE		67,093	0	0