RHS Financial, LLC
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed July 25, 2025), RHS Financial, LLC reported 131 stock positions worth $176.0 million. Its top holding was Schwab Fndmntl US LRG Co. ETF (FNDX) at 4.6% of the portfolio, followed by Schwab US Broad Market ETF (SCHB, 4.4%) and Schwab Fndmntl Em MRK Eq ETF (FNDE, 4.3%). Compared with Q1 2025, it opened 25 new positions, sold out of 21, added to 40 and reduced 63. The biggest buy was iShares MSCI Eafe Min Vol Fa (EFAV, shares +412%) and the biggest sale iShares Core S&P 500 ETF (IVV, shares −89%).
- Most Recent 13F
- Q2 2026
- Location
- SAN FRANCISCO, CA
- CIK
- 0001766514
- Portfolio Value
- $176.0M (Q2 2025)
- SEC Filing
- 0001085146-25-004165 ↗ filed Jul 25, 2025
Holdings Value
Holdings 131 stocks · $176.0M
| FNDX Schwab Fndmntl US LRG Co. ETF | 4.57% | 327,963 | $8.0M | Reduce -4.7% |
| SCHB Schwab US Broad Market ETF | 4.36% | 321,737 | $7.7M | Reduce -11.0% |
| FNDE Schwab Fndmntl Em MRK Eq ETF | 4.31% | 229,703 | $7.6M | Reduce -10.7% |
| VTI VG Morningstar TS MKT ETF-US | 4.29% | 24,866 | $7.6M | Add +3.6% |
| VEA Vanguard Ftse Developed ETF | 3.62% | 111,889 | $6.4M | Reduce -4.2% |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 3.41% | 149,910 | $6.0M | Reduce -9.5% |
| IVLU iShares MSCI International V | 3.31% | 177,249 | $5.8M | Add +1.9% |
| MTUM iShares MSCI USA Momentum Fa | 2.92% | 21,389 | $5.1M | Add +12.1% |
| EMGF iShares Emerging Markets Equ | 2.82% | 95,453 | $5.0M | Add +36.2% |
| SCHF Schwab Intl Equity ETF | 2.68% | 213,366 | $4.7M | Reduce -14.1% |
| USMV iShares MSCI USA Min Vol Fac | 2.54% | 47,693 | $4.5M | Reduce -8.1% |
| LRGF iShares US Equity Factor ETF | 2.37% | 64,957 | $4.2M | Add +25.3% |
| INTF iShares International Equity | 2.35% | 120,956 | $4.1M | Add +22.8% |
| BOXX Alpha Architect 1-3 MNTH Box | 2.27% | 35,396 | $4.0M | Add +7.9% |
| IGSB iShares 1-5Y Inv Grade Corp. | 1.91% | 63,784 | $3.4M | Reduce -29.9% |
| RING iShares MSCI Global Gold Min | 1.79% | 71,939 | $3.1M | Add +11.7% |
| JPEM JPM Diversified Ret Em Equit filed as J P MORGAN EXCHANGE TRADED F | 1.76% | 54,997 | $3.1M | Reduce -20.6% |
| UCIB Etracs UBS BBG Cons Ma Ser B filed as UBS AG LONDON BRANCH | 1.70% | 113,813 | $3.0M | Add +1.8% |
| NTSX Wisdomtree US Efficient Core | 1.66% | 58,515 | $2.9M | Add +5.5% |
| IMTM iShares MSCI Intl Momentum F | 1.64% | 63,359 | $2.9M | Reduce -2.5% |
| ICSH iShares Ultra Short Duration | 1.53% | 53,203 | $2.7M | Reduce -34.5% |
| EFAV iShares MSCI Eafe Min Vol Fa | 1.53% | 32,072 | $2.7M | Add +411.8% |
| SCHP Schwab U.S. Tips ETF | 1.51% | 99,653 | $2.7M | Add +34.7% |
| EMLC Vaneck JPM Em Local Curr BND | 1.45% | 101,021 | $2.6M | Reduce -7.9% |
| VGIT Vanguard Intermediate-Term T | 1.35% | 39,673 | $2.4M | Add +998.1% |
| SCHX Schwab US Large-Cap ETF | 1.26% | 90,691 | $2.2M | Reduce -21.4% |
| ESGU iShares ESG Aware MSCI USA | 1.17% | 15,173 | $2.1M | Reduce -51.3% |
| AAPL Apple Inc. | 1.03% | 8,842 | $1.8M | Reduce -3.6% |
| MBB iShares MBS ETF | 1.02% | 19,212 | $1.8M | Add +17.9% |
| MSFT Microsoft Corp. | 1.01% | 3,574 | $1.8M | Reduce -12.3% |
| ISCF iShares International Small | 1.01% | 45,685 | $1.8M | Reduce -46.8% |
| EEMV iShares MSCI Emg MKT Min Vol | 0.98% | 27,570 | $1.7M | Add +14.2% |
| RSST Return Stacked US SM FTR ETF | 0.88% | 66,210 | $1.5M | Add +7.5% |
| XWIAX Western Asset Infl-Link Sec | 0.88% | 183,706 | $1.5M | Add +3.1% |
| NVDA Nvidia Corp. | 0.86% | 9,530 | $1.5M | Reduce -7.6% |
| ESGD iShares Trust iShares ESG Aw | 0.77% | 15,283 | $1.4M | Reduce -32.6% |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | 0.73% | 50,250 | $1.3M | Reduce -5.5% |
| JPUS JPMorgan Div Ret US Eq ETF | 0.73% | 10,887 | $1.3M | Add +0.4% |
| LEMB iShares JP Morgan Em Local C | 0.73% | 31,844 | $1.3M | Add +3.3% |
| IDEV iShares Core MSCI Dev MKTS | 0.71% | 16,487 | $1.3M | Reduce -22.4% |
| BCD Abrdn Bloomberg All Commodit filed as ABRDN ETFS | 0.71% | 37,748 | $1.3M | Reduce -4.8% |
| SCHD Schwab US DVD Equity ETF | 0.69% | 45,968 | $1.2M | Reduce -8.3% |
| ITOT iShares Core S&P Total U.S. | 0.63% | 8,270 | $1.1M | Add +34.9% |
| AMZN Amazon.com Inc. | 0.63% | 5,040 | $1.1M | New |
| QUAL iShares MSCI USA Quality Fac | 0.52% | 4,999 | $914K | Reduce -56.9% |
| IGLB iShares 10+ Year Inv GR Corp. | 0.51% | 17,915 | $900K | New |
| BOXA Alpha Architect Agg Bond ETF | 0.49% | 8,409 | $868K | New |
| PFFD Global X US Preferred ETF | 0.49% | 45,567 | $858K | Reduce -23.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.47% | 1,879 | $824K | Reduce -34.2% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.44% | 3,991 | $778K | Add +209.6% |
| VLUE iShares MSCI USA Value Facto | 0.44% | 6,785 | $768K | Add +47.2% |
| VWO Vanguard Ftse Emerging Marke | 0.42% | 15,052 | $744K | Reduce -28.0% |
| GOOGL Alphabet Inc. Class A | 0.40% | 4,009 | $707K | Add +3.1% |
| VYM Vanguard High DVD Yield ETF | 0.38% | 4,973 | $663K | Add +63.2% |
| GBIL Goldman Sachs Access Treasur | 0.37% | 6,435 | $644K | Reduce -60.5% |
| CMF iShares California Muni Bond | 0.35% | 11,187 | $624K | Reduce -61.2% |
| QQQ Invesco QQQ Trust Series 1 | 0.35% | 1,128 | $622K | Reduce -38.3% |
| FNDC Schwab Fndmnt Intl SM Eq ETF | 0.35% | 14,763 | $621K | Reduce -26.4% |
| JPIN JPM Diversified Ret Intl Eq filed as J P MORGAN EXCHANGE TRADED F | 0.34% | 9,375 | $601K | Add +18.3% |
| IEFA iShares Core MSCI Eafe ETF | 0.31% | 6,554 | $547K | Reduce -59.0% |
| EXEL Exelixis Inc. | 0.31% | 12,297 | $542K | Add +4.4% |
| ISRG Intuitive Surgical Inc. | 0.30% | 980 | $533K | Reduce -14.1% |
| NAC Nuveen Ca QLTY Muni Inc. | 0.30% | 46,560 | $520K | Reduce -6.8% |
| TLH iShares 10-20 Year Treasury | 0.28% | 4,875 | $495K | Add +6.1% |
| SPYV SS SPDR P S&P 500 Value ETF | 0.27% | 9,067 | $475K | New |
| INGR Ingredion Inc. | 0.27% | 3,489 | $473K | Reduce -6.5% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.26% | 960 | $466K | Add +11.1% |
| BMY Bristol-Myers Squibb Co. | 0.26% | 9,917 | $459K | New |
| EBAY eBay Inc. | 0.26% | 6,163 | $459K | New |
| IDCC Interdigital Inc. | 0.26% | 2,045 | $459K | Add +4.1% |
| RL Ralph Lauren Corp. | 0.26% | 1,645 | $451K | Reduce -0.3% |
| PPC Pilgrim's Pride Corp. | 0.25% | 9,824 | $442K | Reduce -3.0% |
| KR Kroger Co. | 0.25% | 6,061 | $435K | Add +3.5% |
| ACI Albertsons Cos Inc. Class A | 0.24% | 19,850 | $427K | New |
| T AT&T Inc. | 0.24% | 14,742 | $427K | Add +15.4% |
| SMLF iShares US Smallcap Equity F | 0.24% | 6,238 | $424K | New |
| FHI Federated Hermes Inc. | 0.23% | 9,321 | $413K | Add +4.8% |
| SCHG Schwab US Large-Cap Growth | 0.23% | 14,102 | $412K | Reduce -67.0% |
| SUSB iShares ESG Aware 1-5 Year U | 0.23% | 16,182 | $407K | Add +34.3% |
| VMI Valmont Industries | 0.21% | 1,116 | $364K | New |
| YELP Yelp Inc. | 0.20% | 10,500 | $360K | Add +0.4% |
| SPMO Invesco S&P 500 Momentum ETF | 0.20% | 3,174 | $357K | New |
| VGLT Vanguard Long-Term Treasury | 0.20% | 6,337 | $356K | Reduce -85.6% |
| DFSE Dimensional Em Sus CORE1 ETF | 0.20% | 9,308 | $354K | Reduce -19.3% |
| ICVT iShares Convertible Bond ETF | 0.20% | 3,899 | $351K | New |
| PLXS Plexus Corp. | 0.20% | 2,591 | $351K | Add +61.9% |
| VIG Vanguard Dividend Apprec ETF | 0.19% | 1,662 | $340K | No change |
| RAFE PIMCO Rafi ESG US ETF filed as PIMCO EQUITY SER | 0.19% | 8,867 | $338K | Reduce -15.7% |
| STIP iShares 0-5 Year Tips Bond E | 0.19% | 3,257 | $335K | Reduce -37.9% |
| EFV iShares MSCI Eafe Value ETF | 0.19% | 5,277 | $335K | Reduce -55.6% |
| HCA HCA Healthcare Inc. | 0.19% | 872 | $334K | Reduce -0.9% |
| UI Ubiquiti Inc. | 0.19% | 809 | $333K | New |
| SGOV iShares 0-3 Month Treasury B | 0.19% | 3,287 | $331K | Add +41.4% |
| EOG EOG Resources Inc. | 0.19% | 2,767 | $331K | Reduce -21.5% |
| ESGE iShares Inc. iShares ESG Awar | 0.19% | 8,322 | $326K | Reduce -48.4% |
| IVV iShares Core S&P 500 ETF | 0.18% | 515 | $320K | Reduce -88.7% |
| DBX Dropbox Inc. Class A | 0.18% | 11,156 | $319K | Add +0.6% |
| UHS Universal Health Services-B | 0.18% | 1,724 | $312K | Reduce -3.5% |
| DFAU Dimensional US Core Equity M | 0.18% | 7,350 | $311K | Reduce -14.0% |
| TMF Dir DLY 20+YR TR BL3X ETF-Ui | 0.18% | 7,914 | $311K | New |
Portfolio Sells Q1 2025 → Q2 2025
| IVV iShares Core S&P 500 ETF | Reduce -88.7% | 0.18% | −1.25 |
| VGLT Vanguard Long-Term Treasury | Reduce -85.6% | 0.20% | −1.22 |
| ESGU iShares ESG Aware MSCI USA | Reduce -51.3% | 1.17% | −0.96 |
| ICSH iShares Ultra Short Duration | Reduce -34.5% | 1.53% | −0.78 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -29.9% | 1.91% | −0.76 |
| ISCF iShares International Small | Reduce -46.8% | 1.01% | −0.62 |
| QUAL iShares MSCI USA Quality Fac | Reduce -56.9% | 0.52% | −0.59 |
| DYNF Ishrs US E F R A ETF-Usd Inc. | Sold out | 0.00% | −0.56 |
| CMF iShares California Muni Bond | Reduce -61.2% | 0.35% | −0.56 |
| GBIL Goldman Sachs Access Treasur | Reduce -60.5% | 0.37% | −0.55 |
| IVW iShares S&P 500 Growth ETF | Sold out | 0.00% | −0.54 |
| SUB iShares Short-Term National | Sold out | 0.00% | −0.46 |
| OEF iShares S&P 100 ETF | Sold out | 0.00% | −0.38 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -59.0% | 0.31% | −0.37 |
| SCHG Schwab US Large-Cap Growth | Reduce -67.0% | 0.23% | −0.37 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Reduce -69.0% | 0.17% | −0.32 |
| IYW iShares Ustechnology ETF | Sold out | 0.00% | −0.30 |
| EMXC iShares MSCI Emr MRK Ex Chna | Sold out | 0.00% | −0.29 |
| JPEM JPM Diversified Ret Em Equit | Reduce -20.6% | 1.76% | −0.29 |
| EDV Vanguard Extended Dur Treas | Sold out | 0.00% | −0.27 |
| ESGD iShares Trust iShares ESG Aw | Reduce -32.6% | 0.77% | −0.26 |
| USRT iShares Core US REIT ETF | Sold out | 0.00% | −0.24 |
| XVV iShares ESG Select Screened | Sold out | 0.00% | −0.21 |
| EFV iShares MSCI Eafe Value ETF | Reduce -55.6% | 0.19% | −0.20 |
| FTEC Fidelity MSCI Info Tech Indx | Sold out | 0.00% | −0.19 |
| MUB iShares National Muni Bond E | Sold out | 0.00% | −0.18 |
| USMV iShares MSCI USA Min Vol Fac | Reduce -8.1% | 2.54% | −0.18 |
| EFG iShares MSCI Eafe Growth ETF | Sold out | 0.00% | −0.18 |
| SCHX Schwab US Large-Cap ETF | Reduce -21.4% | 1.26% | −0.17 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Sold out | 0.00% | −0.17 |
| VTEB Vanguard Tax-Exempt Bond ETF | Sold out | 0.00% | −0.16 |
| IAUM iShares Gold Trust Micro | Sold out | 0.00% | −0.15 |
| PFFD Global X US Preferred ETF | Reduce -23.1% | 0.49% | −0.15 |
| FNDE Schwab Fndmntl Em MRK Eq ETF | Reduce -10.7% | 4.31% | −0.14 |
| UAL United Airlines Holdings Inc. | Sold out | 0.00% | −0.13 |
| AGG iShares Core U.S. Aggregate | Reduce -48.2% | 0.15% | −0.13 |
| ESGE iShares Inc. iShares ESG Awar | Reduce -48.4% | 0.19% | −0.13 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -38.3% | 0.35% | −0.13 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -34.2% | 0.47% | −0.13 |
| SCHR Schwab Intermediate-Term US | Sold out | 0.00% | −0.13 |
| FTDR Frontdoor Inc. | Sold out | 0.00% | −0.12 |
| CRUS Cirrus Logic Inc. | Sold out | 0.00% | −0.11 |
| STIP iShares 0-5 Year Tips Bond E | Reduce -37.9% | 0.19% | −0.11 |
| AAPL Apple Inc. | Reduce -3.6% | 1.03% | −0.11 |
| IDEV iShares Core MSCI Dev MKTS | Reduce -22.4% | 0.71% | −0.11 |
| VWO Vanguard Ftse Emerging Marke | Reduce -28.0% | 0.42% | −0.11 |
| SCHD Schwab US DVD Equity ETF | Reduce -8.3% | 0.69% | −0.09 |
| DFSI Dimensional Int Sus COR1 ETF | Reduce -46.5% | 0.13% | −0.08 |
| SCHF Schwab Intl Equity ETF | Reduce -14.1% | 2.68% | −0.08 |
| EOG EOG Resources Inc. | Reduce -21.5% | 0.19% | −0.07 |
Portfolio Buys Q1 2025 → Q2 2025
| EFAV iShares MSCI Eafe Min Vol Fa | Add +411.8% | 1.53% | +1.26 |
| VGIT Vanguard Intermediate-Term T | Add +998.1% | 1.35% | +1.23 |
| EMGF iShares Emerging Markets Equ | Add +36.2% | 2.82% | +0.99 |
| MTUM iShares MSCI USA Momentum Fa | Add +12.1% | 2.92% | +0.76 |
| LRGF iShares US Equity Factor ETF | Add +25.3% | 2.37% | +0.68 |
| INTF iShares International Equity | Add +22.8% | 2.35% | +0.65 |
| AMZN Amazon.com Inc. | New | 0.63% | +0.63 |
| VTI VG Morningstar TS MKT ETF-US | Add +3.6% | 4.29% | +0.59 |
| IGLB iShares 10+ Year Inv GR Corp. | New | 0.51% | +0.51 |
| BOXA Alpha Architect Agg Bond ETF | New | 0.49% | +0.49 |
| RING iShares MSCI Global Gold Min | Add +11.7% | 1.79% | +0.40 |
| SCHP Schwab U.S. Tips ETF | Add +34.7% | 1.51% | +0.40 |
| IVLU iShares MSCI International V | Add +1.9% | 3.31% | +0.35 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +209.6% | 0.44% | +0.31 |
| SPYV SS SPDR P S&P 500 Value ETF | New | 0.27% | +0.27 |
| BMY Bristol-Myers Squibb Co. | New | 0.26% | +0.26 |
| EBAY eBay Inc. | New | 0.26% | +0.26 |
| NTSX Wisdomtree US Efficient Core | Add +5.5% | 1.66% | +0.26 |
| ACI Albertsons Cos Inc. Class A | New | 0.24% | +0.24 |
| SMLF iShares US Smallcap Equity F | New | 0.24% | +0.24 |
| BOXX Alpha Architect 1-3 MNTH Box | Add +7.9% | 2.27% | +0.21 |
| ITOT iShares Core S&P Total U.S. | Add +34.9% | 0.63% | +0.21 |
| VMI Valmont Industries | New | 0.21% | +0.21 |
| SPMO Invesco S&P 500 Momentum ETF | New | 0.20% | +0.20 |
| ICVT iShares Convertible Bond ETF | New | 0.20% | +0.20 |
| EEMV iShares MSCI Emg MKT Min Vol | Add +14.2% | 0.98% | +0.19 |
| UI Ubiquiti Inc. | New | 0.19% | +0.19 |
| TMF Dir DLY 20+YR TR BL3X ETF-Ui | New | 0.18% | +0.18 |
| UGI Ugi Corp. | New | 0.17% | +0.17 |
| MBB iShares MBS ETF | Add +17.9% | 1.02% | +0.17 |
| VLUE iShares MSCI USA Value Facto | Add +47.2% | 0.44% | +0.16 |
| RELY Remitly Global Inc. | New | 0.16% | +0.16 |
| NRG NRG Energy Inc. | New | 0.16% | +0.16 |
| TIGO Millicom Intl Cellular S.A. | New | 0.16% | +0.16 |
| VYM Vanguard High DVD Yield ETF | Add +63.2% | 0.38% | +0.16 |
| META Meta Platforms Inc. Class A | New | 0.14% | +0.14 |
| GILD Gilead Sciences Inc. | New | 0.13% | +0.13 |
| PROSHARES TR | New | 0.13% | +0.13 |
| VFMF Vanguard US Multifactor ETF | New | 0.12% | +0.12 |
| TILE Interface Inc. | New | 0.12% | +0.12 |
| KMB Kimberly-Clark Corp. | New | 0.12% | +0.12 |
| DFAX Dimensional World Ex US Core | New | 0.12% | +0.12 |
| RSST Return Stacked US SM FTR ETF | Add +7.5% | 0.88% | +0.11 |
| TYA Simplify Intermediate Term | New | 0.10% | +0.10 |
| JPIN JPM Diversified Ret Intl Eq | Add +18.3% | 0.34% | +0.09 |
| PLXS Plexus Corp. | Add +61.9% | 0.20% | +0.08 |
| LEMB iShares JP Morgan Em Local C | Add +3.3% | 0.73% | +0.08 |
| GOOGL Alphabet Inc. Class A | Add +3.1% | 0.40% | +0.06 |
| EXEL Exelixis Inc. | Add +4.4% | 0.31% | +0.06 |
| SUSB iShares ESG Aware 1-5 Year U | Add +34.3% | 0.23% | +0.06 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 165 | $247.9M | FNDF, VTI, FNDX, VEA, MTUM |
| Q1 2026 | 146 | $211.1M | FNDF, FNDX, VTI, IVLU, VEA |
| Q4 2025 | 144 | $204.8M | FNDE, FNDX, VTI, SCHB, FNDF |
| Q3 2025 | 133 | $192.8M | FNDX, SCHB, FNDE, VTI, VEA |
| Q2 2025 | 131 | $176.0M | FNDX, SCHB, FNDE, VTI, VEA |
| Q1 2025 | 127 | $178.3M | FNDX, FNDE, SCHB, VTI, FNDF |
| Q4 2024 | 134 | $193.3M | FNDX, SCHB, FNDE, VTI, VEA |
| Q3 2024 | 135 | $198.6M | FNDX, SCHB, FNDE, FNDF, VTI |
| Q2 2024 | 77 | $163.5M | FNDF, FNDX, SCHB, FNDE, VTI |
| Q1 2024 | 108 | $171.7M | FNDF, FNDX, SCHB, IGSB, FNDE |