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	1,250,764	38,580	SH		SOLE		38,580	0	0
APPLE INC	COM	037833100	2,748,381	13,049	SH		SOLE		13,049	0	0
BLACKROCK ETF TRUST	US EQT FACTOR	09290C103	990,481	21,101	SH		SOLE		21,101	0	0
COLLEGIUM PHARMACEUTICAL INC	COM	19459J104	303,582	9,428	SH		SOLE		9,428	0	0
DBX ETF TR	XTRACKERS SHRT	233051283	342,241	7,761	SH		SOLE		7,761	0	0
DIMENSIONAL ETF TRUST	INTERNATIONAL	25434V690	206,369	6,265	SH		SOLE		6,265	0	0
EA SERIES TRUST	ALPHA ARCH 1-3	02072L565	2,068,000	19,181	SH		SOLE		19,181	0	0
GLOBAL X FDS	US PFD ETF	37954Y657	1,254,285	63,734	SH		SOLE		63,734	0	0
GOLDMAN SACHS ETF TR	ACCES TREASURY	381430529	2,379,002	23,771	SH		SOLE		23,771	0	0
GRANITESHARES ETF TR	HIPS US HIGH INC	38747R306	405,193	31,631	SH		SOLE		31,631	0	0
HEWLETT PACKARD ENTERPRISE C	COM	42824C109	317,275	14,987	SH		SOLE		14,987	0	0
HP INC	COM	40434L105	446,645	12,754	SH		SOLE		12,754	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	362,020	6,763	SH		SOLE		6,763	0	0
ISHARES INC	EMNG MKTS EQT	46434G889	771,186	16,524	SH		SOLE		16,524	0	0
ISHARES INC	ESG AWR MSCI EM	46434G863	612,406	18,264	SH		SOLE		18,264	0	0
ISHARES INC	JP MORGAN EM ETF	464286517	854,398	23,973	SH		SOLE		23,973	0	0
ISHARES INC	MSCI EMERG MRKT	464286533	905,464	15,827	SH		SOLE		15,827	0	0
ISHARES INC	MSCI EMRG CHN	46434G764	880,718	14,877	SH		SOLE		14,877	0	0
ISHARES INC	MSCI GBL GOLD MN	46434G855	1,932,186	69,981	SH		SOLE		69,981	0	0
ISHARES TR	0-5 YR TIPS ETF	46429B747	855,129	8,595	SH		SOLE		8,595	0	0
ISHARES TR	10+ YR INVST GRD	464289511	336,473	6,724	SH		SOLE		6,724	0	0
ISHARES TR	BLACKROCK ULTRA	46434V878	5,366,652	106,207	SH		SOLE		106,207	0	0
ISHARES TR	CALIF MUN BD ETF	464288356	2,331,852	40,996	SH		SOLE		40,996	0	0
ISHARES TR	CONV BD ETF	46435G102	580,289	7,380	SH		SOLE		7,380	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	1,921,114	26,447	SH		SOLE		26,447	0	0
ISHARES TR	CORE S&P500 ETF	464287200	3,889,567	7,108	SH		SOLE		7,108	0	0
ISHARES TR	CORE TOTAL USD	46434V613	955,402	21,128	SH		SOLE		21,128	0	0
ISHARES TR	CORE US AGGBD ET	464287226	839,806	8,652	SH		SOLE		8,652	0	0
ISHARES TR	EAFE VALUE ETF	464288877	931,673	17,565	SH		SOLE		17,565	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	2,030,317	25,772	SH		SOLE		25,772	0	0
ISHARES TR	ESG AWR MSCI USA	46435G425	5,228,866	43,822	SH		SOLE		43,822	0	0
ISHARES TR	ESG AWRE 1 5 YR	46435G243	320,157	13,073	SH		SOLE		13,073	0	0
ISHARES TR	ESG SCRND S&P500	46436E569	310,276	7,378	SH		SOLE		7,378	0	0
ISHARES TR	INTERNATIONAL SL	46434V266	2,109,015	65,437	SH		SOLE		65,437	0	0
ISHARES TR	ISHS 1-5YR INVS	464288646	6,400,359	124,909	SH		SOLE		124,909	0	0
ISHARES TR	MBS ETF	464288588	1,251,411	13,630	SH		SOLE		13,630	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	590,419	8,513	SH		SOLE		8,513	0	0
ISHARES TR	MSCI INTL MOMENT	46434V449	1,167,084	30,165	SH		SOLE		30,165	0	0
ISHARES TR	MSCI INTL QUALTY	46434V456	308,144	7,891	SH		SOLE		7,891	0	0
ISHARES TR	MSCI INTL VLU FT	46435G409	2,285,752	83,300	SH		SOLE		83,300	0	0
ISHARES TR	MSCI USA MIN VOL	46429B697	4,860,256	57,888	SH		SOLE		57,888	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	3,311,553	16,994	SH		SOLE		16,994	0	0
ISHARES TR	MSCI USA QLT FCT	46432F339	3,571,578	20,916	SH		SOLE		20,916	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	1,621,208	17,519	SH		SOLE		17,519	0	0
ISHARES TR	SHRT NAT MUN ETF	464288158	984,966	9,421	SH		SOLE		9,421	0	0
ISHARES TR	U S EQUITY FACTR	46434V282	564,530	10,137	SH		SOLE		10,137	0	0
ISHARES TR	US TREAS BD ETF	46429B267	679,316	30,098	SH		SOLE		30,098	0	0
J P MORGAN EXCHANGE TRADED F	DIV RTN EM EQT	46641Q308	5,929,402	109,641	SH		SOLE		109,641	0	0
J P MORGAN EXCHANGE TRADED F	DIV RTN INT EQ	46641Q209	701,419	12,688	SH		SOLE		12,688	0	0
J P MORGAN EXCHANGE TRADED F	JPMORGAN DIVER	46641Q407	2,250,184	20,609	SH		SOLE		20,609	0	0
LITMAN GREGORY FDS TR	IMGP DBI MANAGED	53700T827	1,479,012	49,202	SH		SOLE		49,202	0	0
NUVEEN CA QUALTY MUN INCOME	COM	67066Y105	336,065	29,147	SH		SOLE		29,147	0	0
NVIDIA CORPORATION	COM	67066G104	1,392,914	11,275	SH		SOLE		11,275	0	0
PIMCO EQUITY SER	RAFI ESG US	72201T342	649,492	18,431	SH		SOLE		18,431	0	0
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	560,080	21,087	SH		SOLE		21,087	0	0
SCHWAB STRATEGIC TR	FUNDAMENTAL EMER	808524730	7,152,993	241,900	SH		SOLE		241,900	0	0
SCHWAB STRATEGIC TR	FUNDAMENTAL INTL	808524748	994,885	28,622	SH		SOLE		28,622	0	0
SCHWAB STRATEGIC TR	FUNDAMENTAL INTL	808524755	10,543,576	300,987	SH		SOLE		300,987	0	0
SCHWAB STRATEGIC TR	FUNDAMENTAL US L	808524771	10,062,035	150,224	SH		SOLE		150,224	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	5,536,775	144,112	SH		SOLE		144,112	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	366,513	8,041	SH		SOLE		8,041	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	8,612,373	136,987	SH		SOLE		136,987	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	1,064,042	13,684	SH		SOLE		13,684	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	1,753,259	17,387	SH		SOLE		17,387	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	3,744,415	58,279	SH		SOLE		58,279	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	773,952	14,881	SH		SOLE		14,881	0	0
TIDAL TR II	RETURN STCKD US	88636J816	1,198,000	48,878	SH		SOLE		48,878	0	0
UBS AG LONDON BRANCH	ETRACS UBS BLOOM	90274D390	3,316,866	127,083	SH		SOLE		127,083	0	0
VANECK ETF TRUST	JP MRGAN EM LOC	92189H300	1,201,541	50,527	SH		SOLE		50,527	0	0
VANGUARD BD INDEX FDS	VANGUARD ULTRA	92203C303	392,396	7,924	SH		SOLE		7,924	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	6,475,347	24,206	SH		SOLE		24,206	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	1,017,604	23,254	SH		SOLE		23,254	0	0
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	1,232,096	21,361	SH		SOLE		21,361	0	0
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	5,610,224	113,521	SH		SOLE		113,521	0	0
VANGUARD WORLD FD	EXTENDED DUR	921910709	593,756	8,088	SH		SOLE		8,088	0	0
WESTERN ASST INFLTN LKD INM	COM SH BEN INT	95766Q106	1,341,186	167,439	SH		SOLE		167,439	0	0
WISDOMTREE TR	US EFFICIENT COR	97717Y790	2,563,731	58,386	SH		SOLE		58,386	0	0