RHS Financial, LLC

Name: RHS Financial, LLC 13F holdings, Q2 2025
Creator: RHS Financial, LLC
Published: 2025-07-25

Q2 2026Q1 2026Q4 2025Q3 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024

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
MNA Nylim Merger Arbtrage ETF-Ui filed as NEW YORK LIFE INVESTMENTS ET	0.18%	8,775	$309K	Reduce -18.7%
VTV Vanguard Mrngstr Val ETF-Aui	0.17%	1,736	$307K	Reduce -15.5%
HPQ HP Inc.	0.17%	12,463	$305K	No change
MGC Vngrd Mrngstr MG Cap ETF-Usd	0.17%	1,344	$302K	Reduce -69.0%
UGI Ugi Corp.	0.17%	8,204	$299K	New
GIII G-III Apparel Group Ltd.	0.17%	13,082	$293K	Reduce -1.6%
HPE Hewlett Packard Enterprise	0.16%	13,986	$286K	No change
RELY Remitly Global Inc.	0.16%	14,988	$281K	New
NRG NRG Energy Inc.	0.16%	1,749	$281K	New
TIGO Millicom Intl Cellular S.A.	0.16%	7,416	$278K	New
SCSC Scansource Inc.	0.16%	6,627	$277K	Reduce -2.0%
DXC DXC Technology Co.	0.15%	17,356	$265K	Add +38.6%
AGG iShares Core U.S. Aggregate	0.15%	2,618	$260K	Reduce -48.2%
META Meta Platforms Inc. Class A	0.14%	324	$239K	New
SLVM Sylvamo Corp.	0.13%	4,691	$235K	Add +14.6%
GILD Gilead Sciences Inc.	0.13%	2,108	$234K	New
DFSI Dimensional Int Sus COR1 ETF	0.13%	5,867	$231K	Reduce -46.5%
PROSHARES TR	0.13%	13,680	$228K	New
MATX Matson Inc.	0.13%	2,038	$227K	Reduce -8.7%
INTU Intuit Inc.	0.12%	278	$219K	Reduce -21.3%
SCHE Schwab Emrg Mrkts Eqty ETF	0.12%	7,236	$218K	Reduce -20.9%
SHEL Shell PLC-ADR	0.12%	3,073	$216K	Reduce -29.0%
VFMF Vanguard US Multifactor ETF	0.12%	1,602	$215K	New
NULV Nuveen ESG Large-Cap Val ETF	0.12%	5,136	$215K	Reduce -21.8%
IEMG iShares Core MSCI Emerging	0.12%	3,541	$213K	Reduce -37.6%
TILE Interface Inc.	0.12%	10,116	$212K	New
KMB Kimberly-Clark Corp.	0.12%	1,618	$209K	New
DFAX Dimensional World Ex US Core	0.12%	6,891	$202K	New
TYA Simplify Intermediate Term	0.10%	12,688	$171K	New
FINV Finvolution Group-ADR	0.09%	16,280	$154K	Add +34.9%
TKC Turkcell Iletisim Hizmet-ADR	0.08%	24,224	$147K	Reduce -5.6%

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