RHS Financial, LLC

In its 13F for Q1 2024 (holdings as of March 31, 2024, filed April 18, 2024), RHS Financial, LLC reported 108 stock positions worth $171.7 million. Its top holding was Schwab Fndmn Intl LRG Co. ETF (FNDF) at 6.5% of the portfolio, followed by Schwab Fndmntl US LRG Co. ETF (FNDX, 6.1%) and Schwab US Broad Market ETF (SCHB, 5.0%). Compared with Q4 2023, it opened 13 new positions, sold out of 7, added to 52 and reduced 38. The biggest buy was a new position in Global X US Preferred ETF (PFFD) and the biggest sale iShares 1-5Y Inv Grade (IGSB, shares −6%).

Most Recent 13F
Q2 2026
Location
SAN FRANCISCO, CA
CIK
0001766514
Portfolio Value
$171.7M (Q1 2024)
SEC Filing
0001085146-24-001886 ↗ filed Apr 18, 2024

Holdings Value

0$50.0M$100.0M$150.0M$200.0M$250.0M Q1 2024: $171.7M $171.7M Q1 2024 Q2 2024: $163.5M Q2 2024 Q3 2024: $198.6M Q3 2024 Q4 2024: $193.3M Q4 2024 Q1 2025: $178.3M Q1 2025 Q2 2025: $176.0M Q2 2025 Q3 2025: $192.8M Q3 2025 Q4 2025: $204.8M Q4 2025 Q1 2026: $211.1M Q1 2026 Q2 2026: $247.9M Q2 2026

Holdings 108 stocks · $171.7M
FNDF Schwab Fndmn Intl LRG Co. ETF 6.48% 312,353 $11.1M Add +4.6%
FNDX Schwab Fndmntl US LRG Co. ETF 6.11% 155,751 $10.5M Reduce -4.7%
SCHB Schwab US Broad Market ETF 4.97% 139,716 $8.5M Add +0.9%
IGSB iShares 1-5Y Inv Grade Corp. 4.01% 134,142 $6.9M Reduce -5.8%
FNDE Schwab Fndmntl Em MRK Eq ETF 3.84% 237,604 $6.6M Reduce -4.5%
VTI VG Morningstar TS MKT ETF-US 3.70% 24,427 $6.3M Reduce -4.5%
SCHF Schwab Intl Equity ETF 3.39% 148,950 $5.8M Add +1.5%
JPEM JPM Diversified Ret Em Equit filed as J P MORGAN EXCHANGE TRADED F 3.34% 107,179 $5.7M Add +2.0%
VEA Vanguard Ftse Developed ETF 3.20% 109,523 $5.5M Add +12.5%
ESGU iShares ESG Aware MSCI USA 2.97% 44,412 $5.1M Add +6.1%
ICSH iShares Ultra Short Duration 2.97% 100,713 $5.1M Add +6.7%
USMV iShares MSCI USA Min Vol Fac 2.94% 60,401 $5.0M Reduce -5.7%
MTUM iShares MSCI USA Momentum Fa 2.30% 21,106 $4.0M Reduce -8.4%
IVV iShares Core S&P 500 ETF 2.18% 7,128 $3.7M Add +1.0%
SCHX Schwab US Large-Cap ETF 2.07% 57,133 $3.5M Reduce -8.5%
QUAL iShares MSCI USA Quality Fac 2.05% 21,421 $3.5M Add +5.9%
UCIB Etracs UBS BBG Cons Ma Ser B filed as UBS AG LONDON BRANCH 1.73% 116,263 $3.0M Reduce -13.7%
GBIL Goldman Sachs Access Treasur 1.70% 28,848 $2.9M Add +2.9%
NTSX Wisdomtree US Efficient Core 1.53% 62,178 $2.6M Reduce -7.3%
ISCF iShares International Small 1.22% 63,435 $2.1M Add +13.7%
CMF iShares California Muni Bond 1.22% 36,349 $2.1M Add +56.0%
ESGD iShares Trust iShares ESG Aw 1.21% 25,904 $2.1M Add +1.2%
JPUS JPMorgan Div Ret US Eq ETF 1.20% 18,353 $2.1M Add +6.5%
SCHD Schwab US DVD Equity ETF 1.19% 25,328 $2.0M Reduce -0.1%
IVLU iShares MSCI International V 1.09% 66,188 $1.9M Add +34.6%
IEFA iShares Core MSCI Eafe ETF 1.04% 23,987 $1.8M Add +9.0%
SCHG Schwab US Large-Cap Growth 0.90% 16,603 $1.5M Add +8.6%
DBMF Imgp Dbi MFT STR ETF-Usd Inc. 0.83% 49,957 $1.4M Add +9.9%
MBB iShares MBS ETF 0.79% 14,722 $1.4M Add +2.0%
XWIAX Western Asset Infl-Link Sec 0.78% 163,977 $1.3M Add +2.5%
PFFD Global X US Preferred ETF 0.76% 65,125 $1.3M New
FNDC Schwab Fndmnt Intl SM Eq ETF 0.75% 36,523 $1.3M Reduce -27.1%
VGLT Vanguard Long-Term Treasury 0.72% 20,957 $1.2M Add +17.4%
EMLC Vaneck JPM Em Local Curr BND 0.71% 49,702 $1.2M Add +22.2%
AAPL Apple Inc. 0.70% 7,026 $1.2M Reduce -1.8%
MSFT Microsoft Corp. 0.68% 2,756 $1.2M Reduce -39.9%
IUSB Ishr CR Unvrse Usd BD ETF-Ui 0.67% 25,132 $1.1M Add +31.7%
SCHP Schwab U.S. Tips ETF 0.66% 21,786 $1.1M Add +20.9%
EFV iShares MSCI Eafe Value ETF 0.63% 19,934 $1.1M Add +30.4%
VWO Vanguard Ftse Emerging Marke 0.63% 25,757 $1.1M Add +0.7%
AMZN Amazon.com Inc. 0.61% 5,831 $1.1M Reduce -13.9%
VUG Vanguard Mrngstar GR ETF-Sui 0.60% 2,975 $1.0M Reduce -6.9%
QQQ Invesco QQQ Trust Series 1 0.57% 2,208 $980K Add +6.0%
AGG iShares Core U.S. Aggregate 0.56% 9,899 $970K Reduce -29.9%
LEMB iShares JP Morgan Em Local C 0.55% 26,291 $948K Reduce -12.6%
IVW iShares S&P 500 Growth ETF 0.53% 10,876 $918K Add +19.8%
MGC Vngrd Mrngstr MG Cap ETF-Usd 0.53% 4,892 $914K Add +119.2%
IMTM iShares MSCI Intl Momentum F 0.52% 22,767 $893K Add +84.0%
EEMV iShares MSCI Emg MKT Min Vol 0.52% 15,642 $885K Add +5.1%
GOVT iShares US Treasury Bond ETF 0.51% 38,373 $874K Add +1.6%
SUB iShares Short-Term National 0.50% 8,170 $856K Add +36.4%
RING iShares MSCI Global Gold Min 0.47% 32,097 $812K Add +9.0%
NVDA Nvidia Corp. 0.47% 894 $808K New
STIP iShares 0-5 Year Tips Bond E 0.45% 7,829 $778K Reduce -1.3%
EMGF iShares Emerging Markets Equ 0.45% 17,256 $769K Reduce -17.4%
JPIN JPM Diversified Ret Intl Eq filed as J P MORGAN EXCHANGE TRADED F 0.44% 13,516 $761K Add +12.3%
OEF iShares S&P 100 ETF 0.43% 2,980 $737K Add +56.4%
RAFE PIMCO Rafi ESG US ETF filed as PIMCO EQUITY SER 0.41% 19,746 $702K Reduce -8.3%
IYW iShares Ustechnology ETF 0.41% 5,175 $699K Add +33.8%
SCHR Schwab Intermediate-Term US 0.40% 13,853 $679K Reduce -9.6%
EMXC iShares MSCI Emr MRK Ex Chna 0.39% 11,554 $665K Add +53.5%
EFAV iShares MSCI Eafe Min Vol Fa 0.39% 9,343 $662K Add +34.9%
ICVT iShares Convertible Bond ETF 0.38% 8,279 $661K Reduce -1.0%
ITOT iShares Core S&P Total U.S. 0.35% 5,236 $604K Add +71.7%
SCHO Schwab Short-Term US Treas 0.33% 11,886 $573K Add +7.0%
TLH iShares 10-20 Year Treasury 0.33% 5,347 $562K Add +11.2%
LRGF iShares US Equity Factor ETF 0.32% 10,164 $547K Add +23.5%
EFG iShares MSCI Eafe Growth ETF 0.30% 4,929 $512K Add +13.8%
ESGE iShares Inc. iShares ESG Awar 0.29% 15,641 $504K Reduce -17.1%
ISRG Intuitive Surgical Inc. 0.28% 1,199 $479K Reduce -1.6%
EDV Vanguard Extended Dur Treas 0.28% 6,204 $475K Reduce -7.5%
SHYL Xtrackers SHRT Dur High Yiel 0.27% 10,354 $461K Add +7.2%
SCHZ Schwab US Aggregate Bond ETF 0.25% 9,281 $427K Add +0.0%
BRK.B Berkshire Hathaway Inc. Class B 0.25% 1,008 $424K No change
SCHE Schwab Emrg Mrkts Eqty ETF 0.24% 16,529 $417K Reduce -17.6%
RSST Return Stacked US SM FTR ETF 0.23% 16,915 $395K New
IGLB iShares 10+ Year Inv GR Corp. 0.23% 7,670 $395K Add +91.8%
HPQ HP Inc. 0.22% 12,754 $385K No change
VUSB Vanguard Ultra Short Bond Et 0.22% 7,701 $382K Add +71.7%
HIPS Graniteshares Hips US High I 0.22% 29,371 $378K Reduce -17.9%
DYNF Ishrs US E F R A ETF-Usd Inc. 0.22% 8,383 $372K New
FTEC Fidelity MSCI Info Tech Indx 0.22% 2,382 $371K Reduce -12.7%
FNDA Schwab Fndmntl US SM Co. ETF 0.21% 6,319 $360K Reduce -37.3%
VIG Vanguard Dividend Apprec ETF 0.20% 1,859 $339K Reduce -21.0%
INTU Intuit Inc. 0.19% 505 $328K Reduce -4.7%
XVV iShares ESG Select Screened 0.18% 7,794 $314K Reduce -12.3%
IQLT iShares MSCI International Q 0.18% 7,851 $311K New
MUB iShares National Muni Bond E 0.18% 2,888 $311K New
SUSB iShares ESG Aware 1-5 Year U 0.18% 12,417 $304K Add +13.4%
NAC Nuveen Ca QLTY Muni Inc. 0.18% 27,370 $302K Add +24.6%
GOOGL Alphabet Inc. Class A 0.17% 1,928 $291K Reduce -28.6%
USIG iShares Broad Usd Investment 0.16% 5,546 $282K Add +35.9%
MNA Nylim Merger Arbtrage ETF-Ui 0.16% 8,769 $276K Reduce -8.9%
HPE Hewlett Packard Enterprise 0.15% 14,987 $266K No change
VWOB Vanguard Emerg MKTS Gov BND 0.15% 4,108 $262K Reduce -6.8%
IEMG iShares Core MSCI Emerging 0.15% 5,029 $260K Reduce -2.5%
KEYS Keysight Technologies Inc. 0.15% 1,646 $257K No change
CRM Salesforce Inc. 0.14% 808 $243K New
DFSI Dimensional Int Sus COR1 ETF 0.14% 7,153 $241K New
VTEB Vanguard Tax-Exempt Bond ETF 0.14% 4,712 $238K Reduce -18.3%
TFLO iShares Treasury Floating Ra 0.14% 4,654 $236K Add +5.9%
AMD Advanced Micro Devices 0.13% 1,246 $225K New
HDV iShares Core High Dividend E 0.13% 2,039 $225K New
IVE iShares S&P 500 Value ETF 0.13% 1,159 $217K New
BOXX Alpha Architect 1-3 MNTH Box 0.12% 1,966 $209K New
JMOM JPMorgan US Momentum Factor 0.12% 3,931 $207K Reduce -53.7%
UFPI Ufp Industries Inc. 0.12% 1,680 $207K No change
MRK Merck & Co. Inc. 0.12% 1,534 $202K New

Portfolio Sells Q4 2023 → Q1 2024
IGSB iShares 1-5Y Inv Grade Corp. Reduce -5.8% 4.01% −0.61
BCD Abrdn Bloomberg All Commodit Sold out 0.00% −0.45
FNDE Schwab Fndmntl Em MRK Eq ETF Reduce -4.5% 3.84% −0.43
MSFT Microsoft Corp. Reduce -39.9% 0.68% −0.42
FNDC Schwab Fndmnt Intl SM Eq ETF Reduce -27.1% 0.75% −0.35
UCIB Etracs UBS BBG Cons Ma Ser B Reduce -13.7% 1.73% −0.33
AGG iShares Core U.S. Aggregate Reduce -29.9% 0.56% −0.32
FNDX Schwab Fndmntl US LRG Co. ETF Reduce -4.7% 6.11% −0.29
USMV iShares MSCI USA Min Vol Fac Reduce -5.7% 2.94% −0.22
MCD McDonald's Corp. Sold out 0.00% −0.20
VYM Vanguard High DVD Yield ETF Sold out 0.00% −0.19
JVAL JPMorgan US Value Factor ETF Sold out 0.00% −0.18
AAPL Apple Inc. Reduce -1.8% 0.70% −0.17
SCHX Schwab US Large-Cap ETF Reduce -8.5% 2.07% −0.16
LEMB iShares JP Morgan Em Local C Reduce -12.6% 0.55% −0.15
VTI VG Morningstar TS MKT ETF-US Reduce -4.5% 3.70% −0.14
FNDA Schwab Fndmntl US SM Co. ETF Reduce -37.3% 0.21% −0.14
T AT&T Inc. Sold out 0.00% −0.14
VT Vanguard Tot World STK ETF Sold out 0.00% −0.14
NTSX Wisdomtree US Efficient Core Reduce -7.3% 1.53% −0.14
VXUS Vanguard Total Intl Stock Sold out 0.00% −0.13
JMOM JPMorgan US Momentum Factor Reduce -53.7% 0.12% −0.12
EMGF iShares Emerging Markets Equ Reduce -17.4% 0.45% −0.12
ESGE iShares Inc. iShares ESG Awar Reduce -17.1% 0.29% −0.09
SCHR Schwab Intermediate-Term US Reduce -9.6% 0.40% −0.09
SCHE Schwab Emrg Mrkts Eqty ETF Reduce -17.6% 0.24% −0.07
GOOGL Alphabet Inc. Class A Reduce -28.6% 0.17% −0.07
EDV Vanguard Extended Dur Treas Reduce -7.5% 0.28% −0.07
HIPS Graniteshares Hips US High I Reduce -17.9% 0.22% −0.06
VIG Vanguard Dividend Apprec ETF Reduce -21.0% 0.20% −0.06
VTEB Vanguard Tax-Exempt Bond ETF Reduce -18.3% 0.14% −0.05
STIP iShares 0-5 Year Tips Bond E Reduce -1.3% 0.45% −0.04
AMZN Amazon.com Inc. Reduce -13.9% 0.61% −0.04
RAFE PIMCO Rafi ESG US ETF Reduce -8.3% 0.41% −0.03
VUG Vanguard Mrngstar GR ETF-Sui Reduce -6.9% 0.60% −0.03
SCHD Schwab US DVD Equity ETF Reduce -0.1% 1.19% −0.03
FTEC Fidelity MSCI Info Tech Indx Reduce -12.7% 0.22% −0.03
ICVT iShares Convertible Bond ETF Reduce -1.0% 0.38% −0.03
MNA Nylim Merger Arbtrage ETF-Ui Reduce -8.9% 0.16% −0.03
VWOB Vanguard Emerg MKTS Gov BND Reduce -6.8% 0.15% −0.03
XVV iShares ESG Select Screened Reduce -12.3% 0.18% −0.02
INTU Intuit Inc. Reduce -4.7% 0.19% −0.02
IEMG iShares Core MSCI Emerging Reduce -2.5% 0.15% −0.01
MTUM iShares MSCI USA Momentum Fa Reduce -8.4% 2.30% +0.02
ISRG Intuitive Surgical Inc. Reduce -1.6% 0.28% +0.02

Portfolio Buys Q4 2023 → Q1 2024
PFFD Global X US Preferred ETF New 0.76% +0.76
NVDA Nvidia Corp. New 0.47% +0.47
CMF iShares California Muni Bond Add +56.0% 1.22% +0.36
MGC Vngrd Mrngstr MG Cap ETF-Usd Add +119.2% 0.53% +0.29
IVLU iShares MSCI International V Add +34.6% 1.09% +0.26
IMTM iShares MSCI Intl Momentum F Add +84.0% 0.52% +0.25
VEA Vanguard Ftse Developed ETF Add +12.5% 3.20% +0.25
RSST Return Stacked US SM FTR ETF New 0.23% +0.23
DYNF Ishrs US E F R A ETF-Usd Inc. New 0.22% +0.22
ESGU iShares ESG Aware MSCI USA Add +6.1% 2.97% +0.20
IQLT iShares MSCI International Q New 0.18% +0.18
MUB iShares National Muni Bond E New 0.18% +0.18
QUAL iShares MSCI USA Quality Fac Add +5.9% 2.05% +0.17
OEF iShares S&P 100 ETF Add +56.4% 0.43% +0.16
ITOT iShares Core S&P Total U.S. Add +71.7% 0.35% +0.15
CRM Salesforce Inc. New 0.14% +0.14
DFSI Dimensional Int Sus COR1 ETF New 0.14% +0.14
AMD Advanced Micro Devices New 0.13% +0.13
HDV iShares Core High Dividend E New 0.13% +0.13
EFV iShares MSCI Eafe Value ETF Add +30.4% 0.63% +0.13
IVE iShares S&P 500 Value ETF New 0.13% +0.13
EMXC iShares MSCI Emr MRK Ex Chna Add +53.5% 0.39% +0.12
BOXX Alpha Architect 1-3 MNTH Box New 0.12% +0.12
MRK Merck & Co. Inc. New 0.12% +0.12
IUSB Ishr CR Unvrse Usd BD ETF-Ui Add +31.7% 0.67% +0.11
IYW iShares Ustechnology ETF Add +33.8% 0.41% +0.11
FNDF Schwab Fndmn Intl LRG Co. ETF Add +4.6% 6.48% +0.10
IVW iShares S&P 500 Growth ETF Add +19.8% 0.53% +0.10
SUB iShares Short-Term National Add +36.4% 0.50% +0.10
IGLB iShares 10+ Year Inv GR Corp. Add +91.8% 0.23% +0.10
SCHG Schwab US Large-Cap Growth Add +8.6% 0.90% +0.09
DBMF Imgp Dbi MFT STR ETF-Usd Inc. Add +9.9% 0.83% +0.09
SCHB Schwab US Broad Market ETF Add +0.9% 4.97% +0.09
ISCF iShares International Small Add +13.7% 1.22% +0.08
VUSB Vanguard Ultra Short Bond Et Add +71.7% 0.22% +0.08
EFAV iShares MSCI Eafe Min Vol Fa Add +34.9% 0.39% +0.08
JPUS JPMorgan Div Ret US Eq ETF Add +6.5% 1.20% +0.08
LRGF iShares US Equity Factor ETF Add +23.5% 0.32% +0.07
SCHP Schwab U.S. Tips ETF Add +20.9% 0.66% +0.07
IEFA iShares Core MSCI Eafe ETF Add +9.0% 1.04% +0.06
EMLC Vaneck JPM Em Local Curr BND Add +22.2% 0.71% +0.06
IVV iShares Core S&P 500 ETF Add +1.0% 2.18% +0.05
EFG iShares MSCI Eafe Growth ETF Add +13.8% 0.30% +0.03
USIG iShares Broad Usd Investment Add +35.9% 0.16% +0.03
QQQ Invesco QQQ Trust Series 1 Add +6.0% 0.57% +0.03
JPIN JPM Diversified Ret Intl Eq Add +12.3% 0.44% +0.03
VGLT Vanguard Long-Term Treasury Add +17.4% 0.72% +0.03
NAC Nuveen Ca QLTY Muni Inc. Add +24.6% 0.18% +0.02
RING iShares MSCI Global Gold Min Add +9.0% 0.47% +0.01
SUSB iShares ESG Aware 1-5 Year U Add +13.4% 0.18% +0.01

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 165$247.9MFNDF, VTI, FNDX, VEA, MTUM
Q1 2026 146$211.1MFNDF, FNDX, VTI, IVLU, VEA
Q4 2025 144$204.8MFNDE, FNDX, VTI, SCHB, FNDF
Q3 2025 133$192.8MFNDX, SCHB, FNDE, VTI, VEA
Q2 2025 131$176.0MFNDX, SCHB, FNDE, VTI, VEA
Q1 2025 127$178.3MFNDX, FNDE, SCHB, VTI, FNDF
Q4 2024 134$193.3MFNDX, SCHB, FNDE, VTI, VEA
Q3 2024 135$198.6MFNDX, SCHB, FNDE, FNDF, VTI
Q2 2024 77$163.5MFNDF, FNDX, SCHB, FNDE, VTI
Q1 2024 108$171.7MFNDF, FNDX, SCHB, IGSB, FNDE