RHS Financial, LLC
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 22, 2025), RHS Financial, LLC reported 133 stock positions worth $192.8 million. Its top holding was Schwab Fndmntl US LRG Co. ETF (FNDX) at 4.2% of the portfolio, followed by Schwab US Broad Market ETF (SCHB, 4.2%) and Schwab Fndmntl Em MRK Eq ETF (FNDE, 4.1%). Compared with Q2 2025, it opened 11 new positions, sold out of 9, added to 50 and reduced 62. The biggest buy was Apple (AAPL, shares +81%) and the biggest sale iShares MSCI USA Min Vol Fac (USMV, shares −9%).
- Most Recent 13F
- Q2 2026
- Location
- SAN FRANCISCO, CA
- CIK
- 0001766514
- Portfolio Value
- $192.8M (Q3 2025)
- SEC Filing
- 0001766514-25-000002 ↗ filed Oct 22, 2025
Holdings Value
Holdings 133 stocks · $192.8M
| FNDX Schwab Fndmntl US LRG Co. ETF | 4.23% | 310,301 | $8.2M | Reduce -5.4% |
| SCHB Schwab US Broad Market ETF | 4.19% | 314,458 | $8.1M | Reduce -2.3% |
| FNDE Schwab Fndmntl Em MRK Eq ETF | 4.15% | 221,171 | $8.0M | Reduce -3.7% |
| VTI VG Morningstar TS MKT ETF-US | 4.13% | 24,236 | $8.0M | Reduce -2.5% |
| VEA Vanguard Ftse Developed ETF | 3.55% | 114,077 | $6.8M | Add +2.0% |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 3.38% | 151,570 | $6.5M | Add +1.1% |
| IVLU iShares MSCI International V | 3.34% | 181,482 | $6.4M | Add +2.4% |
| MTUM iShares MSCI USA Momentum Fa | 3.33% | 25,025 | $6.4M | Add +17.0% |
| EMGF iShares Emerging Markets Equ | 3.13% | 106,755 | $6.0M | Add +11.8% |
| SCHF Schwab Intl Equity ETF | 2.51% | 207,585 | $4.8M | Reduce -2.7% |
| LRGF iShares US Equity Factor ETF | 2.35% | 65,467 | $4.5M | Add +0.8% |
| INTF iShares International Equity | 2.29% | 122,991 | $4.4M | Add +1.7% |
| RING iShares MSCI Global Gold Min | 2.25% | 67,040 | $4.3M | Reduce -6.8% |
| USMV iShares MSCI USA Min Vol Fac | 2.14% | 43,313 | $4.1M | Reduce -9.2% |
| AAPL Apple Inc. | 2.11% | 15,975 | $4.1M | Add +80.7% |
| BOXX Alpha Architect 1-3 MNTH Box | 2.04% | 34,607 | $3.9M | Reduce -2.2% |
| IMTM iShares MSCI Intl Momentum F | 1.82% | 73,431 | $3.5M | Add +15.9% |
| SCHP Schwab U.S. Tips ETF | 1.75% | 125,359 | $3.4M | Add +25.8% |
| JPEM JPM Diversified Ret Em Equit filed as J P MORGAN EXCHANGE TRADED F | 1.74% | 56,871 | $3.4M | Add +3.4% |
| IGSB iShares 1-5Y Inv Grade Corp. | 1.66% | 60,373 | $3.2M | Reduce -5.3% |
| ICSH iShares Ultra Short Duration | 1.65% | 62,523 | $3.2M | Add +17.5% |
| UCIB Etracs UBS BBG Cons Ma Ser B filed as UBS AG LONDON BRANCH | 1.64% | 116,282 | $3.2M | Add +2.2% |
| NTSX Wisdomtree US Efficient Core | 1.50% | 53,794 | $2.9M | Reduce -8.1% |
| MBB iShares MBS ETF | 1.36% | 27,511 | $2.6M | Add +43.2% |
| EFAV iShares MSCI Eafe Min Vol Fa | 1.31% | 29,745 | $2.5M | Reduce -7.3% |
| EMLC Vaneck JPM Em Local Curr BND | 1.27% | 95,938 | $2.4M | Reduce -5.0% |
| SCHX Schwab US Large-Cap ETF | 1.20% | 87,589 | $2.3M | Reduce -3.4% |
| ESGU iShares ESG Aware MSCI USA | 1.13% | 14,913 | $2.2M | Reduce -1.7% |
| VGIT Vanguard Intermediate-Term T | 1.08% | 34,746 | $2.1M | Reduce -12.4% |
| NVDA Nvidia Corp. | 0.96% | 9,936 | $1.9M | Add +4.3% |
| MSFT Microsoft Corp. | 0.93% | 3,478 | $1.8M | Reduce -2.7% |
| RSST Return Stacked US SM FTR ETF | 0.92% | 66,895 | $1.8M | Add +1.0% |
| ISCF iShares International Small | 0.87% | 40,870 | $1.7M | Reduce -10.5% |
| EEMV iShares MSCI Emg MKT Min Vol | 0.86% | 25,943 | $1.7M | Reduce -5.9% |
| XWIAX Western Asset Infl-Link Sec | 0.82% | 188,569 | $1.6M | Add +2.6% |
| LEMB iShares JP Morgan Em Local C | 0.82% | 38,376 | $1.6M | Add +20.5% |
| IDEV iShares Core MSCI Dev MKTS | 0.79% | 18,932 | $1.5M | Add +14.8% |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | 0.77% | 54,153 | $1.5M | Add +7.8% |
| ESGD iShares Trust iShares ESG Aw | 0.72% | 15,000 | $1.4M | Reduce -1.9% |
| ITOT iShares Core S&P Total U.S. | 0.69% | 9,117 | $1.3M | Add +10.2% |
| JPUS JPMorgan Div Ret US Eq ETF | 0.69% | 10,674 | $1.3M | Reduce -2.0% |
| BCD Abrdn Bloomberg All Commodit filed as ABRDN ETFS | 0.66% | 36,903 | $1.3M | Reduce -2.2% |
| SCHD Schwab US DVD Equity ETF | 0.63% | 44,159 | $1.2M | Reduce -3.9% |
| SGOV iShares 0-3 Month Treasury B | 0.58% | 11,166 | $1.1M | Add +239.7% |
| AMZN Amazon.com Inc. | 0.56% | 4,930 | $1.1M | Reduce -2.2% |
| BOXA Alpha Architect Agg Bond ETF | 0.53% | 9,688 | $1.0M | Add +15.2% |
| GOOGL Alphabet Inc. Class A | 0.48% | 3,826 | $930K | Reduce -4.6% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.47% | 1,879 | $901K | No change |
| PFFD Global X US Preferred ETF | 0.46% | 45,759 | $889K | Add +0.4% |
| IGLB iShares 10+ Year Inv GR Corp. | 0.44% | 16,637 | $857K | Reduce -7.1% |
| VLUE iShares MSCI USA Value Facto | 0.44% | 6,793 | $849K | Add +0.1% |
| QUAL iShares MSCI USA Quality Fac | 0.43% | 4,309 | $838K | Reduce -13.8% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.43% | 3,961 | $827K | Reduce -0.8% |
| SPYV SS SPDR P S&P 500 Value ETF | 0.42% | 14,750 | $816K | Add +62.7% |
| QQQ Invesco QQQ Trust Series 1 | 0.42% | 1,352 | $811K | Add +19.9% |
| TLH iShares 10-20 Year Treasury | 0.40% | 7,453 | $768K | Add +52.9% |
| IDCC Interdigital Inc. | 0.37% | 2,058 | $710K | Add +0.6% |
| VWO Vanguard Ftse Emerging Marke | 0.36% | 12,827 | $695K | Reduce -14.8% |
| VYM Vanguard High DVD Yield ETF | 0.35% | 4,782 | $674K | Reduce -3.8% |
| VFMF Vanguard US Multifactor ETF | 0.35% | 4,671 | $674K | Add +191.6% |
| JPIN JPM Diversified Ret Intl Eq filed as J P MORGAN EXCHANGE TRADED F | 0.32% | 9,366 | $624K | Reduce -0.1% |
| BMY Bristol-Myers Squibb Co. | 0.30% | 12,891 | $581K | Add +30.0% |
| FNDC Schwab Fndmnt Intl SM Eq ETF | 0.30% | 13,026 | $580K | Reduce -11.8% |
| CMF iShares California Muni Bond | 0.30% | 10,120 | $577K | Reduce -9.5% |
| EBAY eBay Inc. | 0.30% | 6,335 | $576K | Add +2.8% |
| SMLF iShares US Smallcap Equity F | 0.29% | 7,582 | $564K | Add +21.6% |
| NAC Nuveen Ca QLTY Muni Inc. | 0.27% | 46,030 | $529K | Reduce -1.1% |
| EXEL Exelixis Inc. | 0.26% | 12,326 | $509K | Add +0.2% |
| GILD Gilead Sciences Inc. | 0.25% | 4,277 | $475K | Add +102.9% |
| FHI Federated Hermes Inc. | 0.25% | 9,097 | $472K | Reduce -2.4% |
| INGR Ingredion Inc. | 0.24% | 3,736 | $456K | Add +7.1% |
| RL Ralph Lauren Corp. | 0.23% | 1,419 | $445K | Reduce -13.7% |
| IEFA iShares Core MSCI Eafe ETF | 0.22% | 4,965 | $433K | Reduce -24.2% |
| VMI Valmont Industries | 0.22% | 1,110 | $430K | Reduce -0.5% |
| SCHG Schwab US Large-Cap Growth | 0.22% | 13,252 | $423K | Reduce -6.0% |
| GBIL Goldman Sachs Access Treasur | 0.22% | 4,177 | $419K | Reduce -35.1% |
| HCA HCA Healthcare Inc. | 0.22% | 973 | $415K | Add +11.6% |
| T AT&T Inc. | 0.21% | 14,612 | $413K | Reduce -0.9% |
| SUSB iShares ESG Aware 1-5 Year U | 0.21% | 16,253 | $411K | Add +0.4% |
| UI Ubiquiti Inc. | 0.21% | 614 | $406K | Reduce -24.1% |
| KR Kroger Co. | 0.21% | 6,001 | $405K | Reduce -1.0% |
| PPC Pilgrim's Pride Corp. | 0.21% | 9,929 | $404K | Add +1.1% |
| DFSE Dimensional Em Sus CORE1 ETF | 0.21% | 9,747 | $401K | Add +4.7% |
| TIGO Millicom Intl Cellular S.A. | 0.21% | 8,245 | $400K | Add +11.2% |
| EOG EOG Resources Inc. | 0.20% | 3,451 | $387K | Add +24.7% |
| AGG iShares Core U.S. Aggregate | 0.20% | 3,763 | $377K | Add +43.7% |
| UGI Ugi Corp. | 0.20% | 11,314 | $376K | Add +37.9% |
| ACI Albertsons Cos Inc. Class A | 0.20% | 21,475 | $376K | Add +8.2% |
| PLXS Plexus Corp. | 0.19% | 2,545 | $368K | Reduce -1.8% |
| VIG Vanguard Dividend Apprec ETF | 0.19% | 1,662 | $359K | No change |
| EFV iShares MSCI Eafe Value ETF | 0.19% | 5,277 | $358K | No change |
| ESGE iShares Inc. iShares ESG Awar | 0.19% | 8,236 | $358K | Reduce -1.0% |
| RAFE PIMCO Rafi ESG US ETF filed as PIMCO EQUITY SER | 0.18% | 8,708 | $354K | Reduce -1.8% |
| ISRG Intuitive Surgical Inc. | 0.18% | 791 | $354K | Reduce -19.3% |
| SAM Boston Beer Company Inc. Class A | 0.18% | 1,656 | $350K | New |
| MNA Nylim Merger Arbtrage ETF-Ui filed as NEW YORK LIFE INVESTMENTS ET | 0.18% | 9,693 | $348K | Add +10.5% |
| DBX Dropbox Inc. Class A | 0.18% | 11,430 | $345K | Add +2.5% |
| IVV iShares Core S&P 500 ETF | 0.18% | 515 | $345K | No change |
| HPE Hewlett Packard Enterprise | 0.18% | 13,986 | $343K | No change |
| GIII G-III Apparel Group Ltd. | 0.18% | 12,869 | $342K | Reduce -1.6% |
Portfolio Sells Q2 2025 → Q3 2025
| USMV iShares MSCI USA Min Vol Fac | Reduce -9.2% | 2.14% | −0.41 |
| FNDX Schwab Fndmntl US LRG Co. ETF | Reduce -5.4% | 4.23% | −0.34 |
| VGIT Vanguard Intermediate-Term T | Reduce -12.4% | 1.08% | −0.27 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -5.3% | 1.66% | −0.25 |
| EFAV iShares MSCI Eafe Min Vol Fa | Reduce -7.3% | 1.31% | −0.22 |
| BOXX Alpha Architect 1-3 MNTH Box | Reduce -2.2% | 2.04% | −0.22 |
| VGLT Vanguard Long-Term Treasury | Sold out | 0.00% | −0.20 |
| EMLC Vaneck JPM Em Local Curr BND | Reduce -5.0% | 1.27% | −0.19 |
| TMF Dir DLY 20+YR TR BL3X ETF-Ui | Sold out | 0.00% | −0.18 |
| SCHF Schwab Intl Equity ETF | Reduce -2.7% | 2.51% | −0.17 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -2.5% | 4.13% | −0.17 |
| SCHB Schwab US Broad Market ETF | Reduce -2.3% | 4.19% | −0.16 |
| NTSX Wisdomtree US Efficient Core | Reduce -8.1% | 1.50% | −0.16 |
| FNDE Schwab Fndmntl Em MRK Eq ETF | Reduce -3.7% | 4.15% | −0.16 |
| GBIL Goldman Sachs Access Treasur | Reduce -35.1% | 0.22% | −0.15 |
| ISCF iShares International Small | Reduce -10.5% | 0.87% | −0.13 |
| PROSHARES TR | Sold out | 0.00% | −0.13 |
| MATX Matson Inc. | Sold out | 0.00% | −0.13 |
| EEMV iShares MSCI Emg MKT Min Vol | Reduce -5.9% | 0.86% | −0.12 |
| INTU Intuit Inc. | Sold out | 0.00% | −0.12 |
| SHEL Shell PLC-ADR | Sold out | 0.00% | −0.12 |
| IEMG iShares Core MSCI Emerging | Sold out | 0.00% | −0.12 |
| ISRG Intuitive Surgical Inc. | Reduce -19.3% | 0.18% | −0.12 |
| KMB Kimberly-Clark Corp. | Sold out | 0.00% | −0.12 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -34.6% | 0.16% | −0.10 |
| TYA Simplify Intermediate Term | Sold out | 0.00% | −0.10 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -24.2% | 0.22% | −0.09 |
| QUAL iShares MSCI USA Quality Fac | Reduce -13.8% | 0.43% | −0.08 |
| MSFT Microsoft Corp. | Reduce -2.7% | 0.93% | −0.08 |
| ICVT iShares Convertible Bond ETF | Reduce -37.6% | 0.13% | −0.07 |
| RELY Remitly Global Inc. | Reduce -26.5% | 0.09% | −0.07 |
| AMZN Amazon.com Inc. | Reduce -2.2% | 0.56% | −0.07 |
| SCHD Schwab US DVD Equity ETF | Reduce -3.9% | 0.63% | −0.07 |
| IGLB iShares 10+ Year Inv GR Corp. | Reduce -7.1% | 0.44% | −0.07 |
| VWO Vanguard Ftse Emerging Marke | Reduce -14.8% | 0.36% | −0.06 |
| SCHX Schwab US Large-Cap ETF | Reduce -3.4% | 1.20% | −0.06 |
| CMF iShares California Muni Bond | Reduce -9.5% | 0.30% | −0.05 |
| BCD Abrdn Bloomberg All Commodit | Reduce -2.2% | 0.66% | −0.05 |
| FNDC Schwab Fndmnt Intl SM Eq ETF | Reduce -11.8% | 0.30% | −0.05 |
| ESGD iShares Trust iShares ESG Aw | Reduce -1.9% | 0.72% | −0.05 |
| JPUS JPMorgan Div Ret US Eq ETF | Reduce -2.0% | 0.69% | −0.04 |
| DXC DXC Technology Co. | Reduce -11.8% | 0.11% | −0.04 |
| ESGU iShares ESG Aware MSCI USA | Reduce -1.7% | 1.13% | −0.04 |
| YELP Yelp Inc. | Reduce -2.2% | 0.17% | −0.04 |
| KR Kroger Co. | Reduce -1.0% | 0.21% | −0.04 |
| SPMO Invesco S&P 500 Momentum ETF | Reduce -16.0% | 0.17% | −0.04 |
| SCSC Scansource Inc. | Reduce -18.6% | 0.12% | −0.03 |
| FINV Finvolution Group-ADR | Reduce -10.1% | 0.06% | −0.03 |
| T AT&T Inc. | Reduce -0.9% | 0.21% | −0.03 |
| NRG NRG Energy Inc. | Reduce -10.6% | 0.13% | −0.03 |
Portfolio Buys Q2 2025 → Q3 2025
| AAPL Apple Inc. | Add +80.7% | 2.11% | +1.08 |
| MTUM iShares MSCI USA Momentum Fa | Add +17.0% | 3.33% | +0.41 |
| SGOV iShares 0-3 Month Treasury B | Add +239.7% | 0.58% | +0.40 |
| MBB iShares MBS ETF | Add +43.2% | 1.36% | +0.33 |
| EMGF iShares Emerging Markets Equ | Add +11.8% | 3.13% | +0.31 |
| SCHP Schwab U.S. Tips ETF | Add +25.8% | 1.75% | +0.24 |
| VFMF Vanguard US Multifactor ETF | Add +191.6% | 0.35% | +0.23 |
| SAM Boston Beer Company Inc. Class A | New | 0.18% | +0.18 |
| IMTM iShares MSCI Intl Momentum F | Add +15.9% | 1.82% | +0.18 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +62.7% | 0.42% | +0.15 |
| BWA Borgwarner Inc. | New | 0.14% | +0.14 |
| GOOG Alphabet Inc. Class C | New | 0.14% | +0.14 |
| KGC Kinross Gold Corp. | New | 0.12% | +0.12 |
| TLH iShares 10-20 Year Treasury | Add +52.9% | 0.40% | +0.12 |
| VB Vanguard Most SM-Cap ETF-Usd | New | 0.11% | +0.11 |
| R Ryder System Inc. | New | 0.11% | +0.11 |
| GILD Gilead Sciences Inc. | Add +102.9% | 0.25% | +0.11 |
| ICSH iShares Ultra Short Duration | Add +17.5% | 1.65% | +0.11 |
| THC Tenet Healthcare Corp. | New | 0.11% | +0.11 |
| FNDA Schwab Fndmntl US SM Co. ETF | New | 0.11% | +0.11 |
| FTDR Frontdoor Inc. | New | 0.11% | +0.11 |
| EXPE Expedia Group Inc. | New | 0.11% | +0.11 |
| EA Electronic Arts Inc. | New | 0.11% | +0.11 |
| IDCC Interdigital Inc. | Add +0.6% | 0.37% | +0.11 |
| NVDA Nvidia Corp. | Add +4.3% | 0.96% | +0.11 |
| LEMB iShares JP Morgan Em Local C | Add +20.5% | 0.82% | +0.09 |
| IDEV iShares Core MSCI Dev MKTS | Add +14.8% | 0.79% | +0.08 |
| QQQ Invesco QQQ Trust Series 1 | Add +19.9% | 0.42% | +0.07 |
| ITOT iShares Core S&P Total U.S. | Add +10.2% | 0.69% | +0.05 |
| SMLF iShares US Smallcap Equity F | Add +21.6% | 0.29% | +0.05 |
| TIGO Millicom Intl Cellular S.A. | Add +11.2% | 0.21% | +0.05 |
| AGG iShares Core U.S. Aggregate | Add +43.7% | 0.20% | +0.05 |
| RSST Return Stacked US SM FTR ETF | Add +1.0% | 0.92% | +0.04 |
| BMY Bristol-Myers Squibb Co. | Add +30.0% | 0.30% | +0.04 |
| EBAY eBay Inc. | Add +2.8% | 0.30% | +0.04 |
| BOXA Alpha Architect Agg Bond ETF | Add +15.2% | 0.53% | +0.03 |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | Add +7.8% | 0.77% | +0.03 |
| IVLU iShares MSCI International V | Add +2.4% | 3.34% | +0.03 |
| UGI Ugi Corp. | Add +37.9% | 0.20% | +0.03 |
| HCA HCA Healthcare Inc. | Add +11.6% | 0.22% | +0.03 |
| META Meta Platforms Inc. Class A | Add +29.6% | 0.16% | +0.02 |
| EOG EOG Resources Inc. | Add +24.7% | 0.20% | +0.01 |
| DFSE Dimensional Em Sus CORE1 ETF | Add +4.7% | 0.21% | +0.01 |
| MNA Nylim Merger Arbtrage ETF-Ui | Add +10.5% | 0.18% | +0.00 |
| VLUE iShares MSCI USA Value Facto | Add +0.1% | 0.44% | +0.00 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Add +1.9% | 0.13% | +0.00 |
| NULV Nuveen ESG Large-Cap Val ETF | Add +3.2% | 0.12% | −0.00 |
| DBX Dropbox Inc. Class A | Add +2.5% | 0.18% | −0.00 |
| SUSB iShares ESG Aware 1-5 Year U | Add +0.4% | 0.21% | −0.02 |
| LRGF iShares US Equity Factor ETF | Add +0.8% | 2.35% | −0.02 |
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 |