RHS Financial, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 16, 2026), RHS Financial, LLC reported 144 stock positions worth $204.8 million. Its top holding was Schwab Fndmntl Em MRK Eq ETF (FNDE) at 4.3% of the portfolio, followed by Schwab Fndmntl US LRG Co. ETF (FNDX, 4.2%) and VG Morningstar TS MKT ETF-US (VTI, 4.1%). Compared with Q3 2025, it opened 20 new positions, sold out of 9, added to 55 and reduced 64. The biggest buy was a new position in Vanguard Long-Term Treasury (VGLT) and the biggest sale iShares 1-5Y Inv Grade (IGSB, shares −24%).
- Most Recent 13F
- Q2 2026
- Location
- SAN FRANCISCO, CA
- CIK
- 0001766514
- Portfolio Value
- $204.8M (Q4 2025)
- SEC Filing
- 0001766514-26-000001 ↗ filed Jan 16, 2026
Holdings Value
Holdings 144 stocks · $204.8M
| FNDE Schwab Fndmntl Em MRK Eq ETF | 4.28% | 242,978 | $8.8M | Add +9.9% |
| FNDX Schwab Fndmntl US LRG Co. ETF | 4.17% | 313,776 | $8.5M | Add +1.1% |
| VTI VG Morningstar TS MKT ETF-US | 4.14% | 25,271 | $8.5M | Add +4.3% |
| SCHB Schwab US Broad Market ETF | 3.73% | 291,481 | $7.6M | Reduce -7.3% |
| FNDF Schwab Fndmn Intl LRG Co. ETF | 3.59% | 162,806 | $7.4M | Add +7.4% |
| VEA Vanguard Ftse Developed ETF | 3.51% | 115,164 | $7.2M | Add +0.9% |
| IVLU iShares MSCI International V | 3.49% | 188,106 | $7.2M | Add +3.6% |
| MTUM iShares MSCI USA Momentum Fa | 3.24% | 26,539 | $6.6M | Add +6.0% |
| EMGF iShares Emerging Markets Equ | 2.99% | 105,914 | $6.1M | Reduce -0.8% |
| RING iShares MSCI Global Gold Min | 2.68% | 74,545 | $5.5M | Add +11.2% |
| SCHF Schwab Intl Equity ETF | 2.35% | 200,076 | $4.8M | Reduce -3.6% |
| VGLT Vanguard Long-Term Treasury | 2.33% | 85,698 | $4.8M | New |
| BOXX Alpha Architect 1-3 MNTH Box | 2.32% | 41,244 | $4.7M | Add +19.2% |
| LRGF iShares US Equity Factor ETF | 2.27% | 67,068 | $4.7M | Add +2.5% |
| INTF iShares International Equity | 2.23% | 121,246 | $4.6M | Reduce -1.4% |
| AAPL Apple Inc. | 2.15% | 16,196 | $4.4M | Add +1.4% |
| USMV iShares MSCI USA Min Vol Fac | 2.01% | 43,812 | $4.1M | Add +1.1% |
| JPEM JPM Diversified Ret Em Equit filed as J P MORGAN EXCHANGE TRADED F | 1.77% | 59,748 | $3.6M | Add +5.1% |
| IMTM iShares MSCI Intl Momentum F | 1.73% | 73,912 | $3.5M | Add +0.7% |
| UCIB Etracs UBS BBG Cons Ma Ser B filed as UBS AG LONDON BRANCH | 1.60% | 117,016 | $3.3M | Add +0.6% |
| NTSX Wisdomtree US Efficient Core | 1.40% | 52,410 | $2.9M | Reduce -2.6% |
| ICSH iShares Ultra Short Duration | 1.40% | 56,542 | $2.9M | Reduce -9.6% |
| SCHP Schwab U.S. Tips ETF | 1.38% | 106,912 | $2.8M | Reduce -14.7% |
| VGIT Vanguard Intermediate-Term T | 1.32% | 45,076 | $2.7M | Add +29.7% |
| EMLC Vaneck JPM Em Local Curr BND | 1.25% | 99,288 | $2.6M | Add +3.5% |
| IGSB iShares 1-5Y Inv Grade Corp. | 1.18% | 45,603 | $2.4M | Reduce -24.5% |
| SCHX Schwab US Large-Cap ETF | 1.09% | 83,033 | $2.2M | Reduce -5.2% |
| ESGU iShares ESG Aware MSCI USA | 0.98% | 13,478 | $2.0M | Reduce -9.6% |
| IDEV iShares Core MSCI Dev MKTS | 0.97% | 24,157 | $2.0M | Add +27.6% |
| MBB iShares MBS ETF | 0.94% | 20,325 | $1.9M | Reduce -26.1% |
| EFAV iShares MSCI Eafe Min Vol Fa | 0.91% | 21,597 | $1.9M | Reduce -27.4% |
| NVDA Nvidia Corp. | 0.90% | 9,901 | $1.8M | Reduce -0.3% |
| RSST Return Stacked US SM FTR ETF | 0.90% | 64,793 | $1.8M | Reduce -3.1% |
| EEMV iShares MSCI Emg MKT Min Vol | 0.79% | 25,310 | $1.6M | Reduce -2.4% |
| MSFT Microsoft Corp. | 0.78% | 3,298 | $1.6M | Reduce -5.2% |
| XWIAX Western Asset Infl-Link Sec | 0.76% | 188,625 | $1.6M | Add +0.0% |
| ITOT iShares Core S&P Total U.S. | 0.76% | 10,426 | $1.6M | Add +14.4% |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | 0.69% | 50,388 | $1.4M | Reduce -7.0% |
| ESGD iShares Trust iShares ESG Aw | 0.69% | 14,817 | $1.4M | Reduce -1.2% |
| JPUS JPMorgan Div Ret US Eq ETF | 0.66% | 10,842 | $1.3M | Add +1.6% |
| VYM Vanguard High DVD Yield ETF | 0.65% | 9,233 | $1.3M | Add +93.1% |
| GOOGL Alphabet Inc. Class A | 0.64% | 4,215 | $1.3M | Add +10.2% |
| LEMB iShares JP Morgan Em Local C | 0.59% | 29,272 | $1.2M | Reduce -23.7% |
| AMZN Amazon.com Inc. | 0.59% | 5,244 | $1.2M | Add +6.4% |
| BPRE Bluerock Private Real Estate | 0.58% | 79,186 | $1.2M | New |
| SCHD Schwab US DVD Equity ETF | 0.56% | 41,452 | $1.1M | Reduce -6.1% |
| SGOV iShares 0-3 Month Treasury B | 0.53% | 10,723 | $1.1M | Reduce -4.0% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.52% | 2,204 | $1.1M | Add +17.3% |
| VLUE iShares MSCI USA Value Facto | 0.52% | 7,845 | $1.1M | Add +15.5% |
| ISCF iShares International Small | 0.51% | 25,153 | $1.0M | Reduce -38.5% |
| BOXA Alpha Architect Agg Bond ETF | 0.51% | 9,838 | $1.0M | Add +1.6% |
| BCD Abrdn Bloomberg All Commodit filed as ABRDN ETFS | 0.50% | 33,004 | $1.0M | Reduce -10.6% |
| SPYV SS SPDR P S&P 500 Value ETF | 0.48% | 17,370 | $987K | Add +17.8% |
| VFMF Vanguard US Multifactor ETF | 0.42% | 5,687 | $857K | Add +21.8% |
| TLH iShares 10-20 Year Treasury | 0.40% | 8,099 | $823K | Add +8.7% |
| QUAL iShares MSCI USA Quality Fac | 0.39% | 4,039 | $802K | Reduce -6.3% |
| BTC Grayscale Bitcoin Mini ETF | 0.36% | 19,057 | $738K | New |
| BMY Bristol-Myers Squibb Co. | 0.35% | 13,120 | $708K | Add +1.8% |
| HCA HCA Healthcare Inc. | 0.34% | 1,507 | $704K | Add +54.9% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.32% | 3,097 | $656K | Reduce -21.8% |
| JPIN JPM Diversified Ret Intl Eq filed as J P MORGAN EXCHANGE TRADED F | 0.31% | 9,403 | $641K | Add +0.4% |
| IDCC Interdigital Inc. | 0.30% | 1,962 | $625K | Reduce -4.7% |
| ISRG Intuitive Surgical Inc. | 0.27% | 978 | $554K | Add +23.6% |
| EXEL Exelixis Inc. | 0.27% | 12,619 | $553K | Add +2.4% |
| SMLF iShares US Smallcap Equity F | 0.27% | 7,356 | $551K | Reduce -3.0% |
| GILD Gilead Sciences Inc. | 0.27% | 4,482 | $550K | Add +4.8% |
| EBAY eBay Inc. | 0.26% | 6,204 | $540K | Reduce -2.1% |
| TIGO Millicom Intl Cellular S.A. | 0.24% | 8,765 | $486K | Add +6.3% |
| IEMG iShares Core MSCI Emerging | 0.23% | 6,925 | $466K | New |
| FHI Federated Hermes Inc. | 0.22% | 8,799 | $458K | Reduce -3.3% |
| IAGG iShares Intl Aggregate Bond | 0.22% | 9,026 | $451K | New |
| UGI Ugi Corp. | 0.22% | 11,829 | $443K | Add +4.5% |
| SCHG Schwab US Large-Cap Growth | 0.21% | 13,252 | $432K | No change |
| DFSE Dimensional Em Sus CORE1 ETF | 0.20% | 10,112 | $419K | Add +3.7% |
| USRT iShares Core US REIT ETF | 0.20% | 7,286 | $415K | New |
| INGR Ingredion Inc. | 0.20% | 3,761 | $415K | Add +0.7% |
| IEFA iShares Core MSCI Eafe ETF | 0.20% | 4,537 | $406K | Reduce -8.6% |
| FNDC Schwab Fndmnt Intl SM Eq ETF | 0.20% | 9,007 | $401K | Reduce -30.9% |
| BWA Borgwarner Inc. | 0.20% | 8,894 | $401K | Add +44.5% |
| VMI Valmont Industries | 0.19% | 987 | $397K | Reduce -11.1% |
| ACI Albertsons Cos Inc. Class A | 0.19% | 23,060 | $396K | Add +7.4% |
| PFFD Global X US Preferred ETF | 0.19% | 20,925 | $396K | Reduce -54.3% |
| VWO Vanguard Ftse Emerging Marke | 0.19% | 7,292 | $392K | Reduce -43.1% |
| CMF iShares California Muni Bond | 0.19% | 6,778 | $389K | Reduce -33.0% |
| SPMO Invesco S&P 500 Momentum ETF | 0.19% | 3,257 | $389K | Add +22.2% |
| SAM Boston Beer Company Inc. Class A | 0.19% | 1,961 | $383K | Add +18.4% |
| VT Vanguard Tot World STK ETF | 0.18% | 2,685 | $379K | New |
| NAC Nuveen Ca QLTY Muni Inc. | 0.18% | 31,974 | $378K | Reduce -30.5% |
| ESGE iShares Inc. iShares ESG Awar | 0.18% | 8,474 | $374K | Add +2.9% |
| KR Kroger Co. | 0.18% | 5,921 | $370K | Reduce -1.3% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 0.18% | 1,469 | $369K | Add +9.3% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.18% | 734 | $369K | Add +16.9% |
| GBIL Goldman Sachs Access Treasur | 0.18% | 3,663 | $366K | Reduce -12.3% |
| VIG Vanguard Dividend Apprec ETF | 0.18% | 1,662 | $365K | No change |
| DLTR Dollar Tree Inc. | 0.18% | 2,944 | $362K | New |
| PPC Pilgrim's Pride Corp. | 0.18% | 9,255 | $361K | Reduce -6.8% |
| EOG EOG Resources Inc. | 0.17% | 3,413 | $358K | Reduce -1.1% |
| IVV iShares Core S&P 500 ETF | 0.17% | 516 | $353K | Add +0.2% |
| T AT&T Inc. | 0.17% | 14,200 | $353K | Reduce -2.8% |
| DBX Dropbox Inc. Class A | 0.17% | 12,632 | $351K | Add +10.5% |
Portfolio Sells Q3 2025 → Q4 2025
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -24.5% | 1.18% | −0.48 |
| SCHB Schwab US Broad Market ETF | Reduce -7.3% | 3.73% | −0.46 |
| MBB iShares MBS ETF | Reduce -26.1% | 0.94% | −0.41 |
| EFAV iShares MSCI Eafe Min Vol Fa | Reduce -27.4% | 0.91% | −0.40 |
| SCHP Schwab U.S. Tips ETF | Reduce -14.7% | 1.38% | −0.37 |
| ISCF iShares International Small | Reduce -38.5% | 0.51% | −0.36 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -72.2% | 0.11% | −0.31 |
| IGLB iShares 10+ Year Inv GR Corp. | Reduce -65.2% | 0.14% | −0.30 |
| PFFD Global X US Preferred ETF | Reduce -54.3% | 0.19% | −0.27 |
| ICSH iShares Ultra Short Duration | Reduce -9.6% | 1.40% | −0.25 |
| LEMB iShares JP Morgan Em Local C | Reduce -23.7% | 0.59% | −0.23 |
| SUSB iShares ESG Aware 1-5 Year U | Sold out | 0.00% | −0.21 |
| UI Ubiquiti Inc. | Sold out | 0.00% | −0.21 |
| PLXS Plexus Corp. | Sold out | 0.00% | −0.19 |
| VWO Vanguard Ftse Emerging Marke | Reduce -43.1% | 0.19% | −0.17 |
| BCD Abrdn Bloomberg All Commodit | Reduce -10.6% | 0.50% | −0.16 |
| SCHF Schwab Intl Equity ETF | Reduce -3.6% | 2.35% | −0.16 |
| MSFT Microsoft Corp. | Reduce -5.2% | 0.78% | −0.16 |
| ESGU iShares ESG Aware MSCI USA | Reduce -9.6% | 0.98% | −0.15 |
| EMGF iShares Emerging Markets Equ | Reduce -0.8% | 2.99% | −0.14 |
| ICVT iShares Convertible Bond ETF | Sold out | 0.00% | −0.13 |
| SCSC Scansource Inc. | Sold out | 0.00% | −0.12 |
| VB Vanguard Most SM-Cap ETF-Usd | Sold out | 0.00% | −0.11 |
| FTDR Frontdoor Inc. | Sold out | 0.00% | −0.11 |
| CMF iShares California Muni Bond | Reduce -33.0% | 0.19% | −0.11 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -21.8% | 0.32% | −0.11 |
| SCHX Schwab US Large-Cap ETF | Reduce -5.2% | 1.09% | −0.11 |
| FNDC Schwab Fndmnt Intl SM Eq ETF | Reduce -30.9% | 0.20% | −0.10 |
| NTSX Wisdomtree US Efficient Core | Reduce -2.6% | 1.40% | −0.10 |
| AGG iShares Core U.S. Aggregate | Reduce -45.1% | 0.10% | −0.10 |
| RELY Remitly Global Inc. | Sold out | 0.00% | −0.09 |
| NAC Nuveen Ca QLTY Muni Inc. | Reduce -30.5% | 0.18% | −0.09 |
| RL Ralph Lauren Corp. | Reduce -37.5% | 0.15% | −0.08 |
| DBMF Imgp Dbi MFT STR ETF-Usd Inc. | Reduce -7.0% | 0.69% | −0.08 |
| SCHD Schwab US DVD Equity ETF | Reduce -6.1% | 0.56% | −0.07 |
| MNA Nylim Merger Arbtrage ETF-Ui | Reduce -34.8% | 0.11% | −0.07 |
| EEMV iShares MSCI Emg MKT Min Vol | Reduce -2.4% | 0.79% | −0.07 |
| IDCC Interdigital Inc. | Reduce -4.7% | 0.30% | −0.06 |
| NVDA Nvidia Corp. | Reduce -0.3% | 0.90% | −0.06 |
| SGOV iShares 0-3 Month Treasury B | Reduce -4.0% | 0.53% | −0.06 |
| INTF iShares International Equity | Reduce -1.4% | 2.23% | −0.06 |
| FINV Finvolution Group-ADR | Sold out | 0.00% | −0.06 |
| QUAL iShares MSCI USA Quality Fac | Reduce -6.3% | 0.39% | −0.04 |
| T AT&T Inc. | Reduce -2.8% | 0.17% | −0.04 |
| RAFE PIMCO Rafi ESG US ETF | Reduce -18.9% | 0.14% | −0.04 |
| GBIL Goldman Sachs Access Treasur | Reduce -12.3% | 0.18% | −0.04 |
| TILE Interface Inc. | Reduce -16.9% | 0.11% | −0.04 |
| ESGD iShares Trust iShares ESG Aw | Reduce -1.2% | 0.69% | −0.04 |
| EBAY eBay Inc. | Reduce -2.1% | 0.26% | −0.04 |
| PPC Pilgrim's Pride Corp. | Reduce -6.8% | 0.18% | −0.03 |
Portfolio Buys Q3 2025 → Q4 2025
| VGLT Vanguard Long-Term Treasury | New | 2.33% | +2.33 |
| BPRE Bluerock Private Real Estate | New | 0.58% | +0.58 |
| RING iShares MSCI Global Gold Min | Add +11.2% | 2.68% | +0.43 |
| BTC Grayscale Bitcoin Mini ETF | New | 0.36% | +0.36 |
| VYM Vanguard High DVD Yield ETF | Add +93.1% | 0.65% | +0.30 |
| BOXX Alpha Architect 1-3 MNTH Box | Add +19.2% | 2.32% | +0.27 |
| VGIT Vanguard Intermediate-Term T | Add +29.7% | 1.32% | +0.24 |
| IEMG iShares Core MSCI Emerging | New | 0.23% | +0.23 |
| IAGG iShares Intl Aggregate Bond | New | 0.22% | +0.22 |
| FNDF Schwab Fndmn Intl LRG Co. ETF | Add +7.4% | 3.59% | +0.22 |
| USRT iShares Core US REIT ETF | New | 0.20% | +0.20 |
| IDEV iShares Core MSCI Dev MKTS | Add +27.6% | 0.97% | +0.19 |
| VT Vanguard Tot World STK ETF | New | 0.18% | +0.18 |
| DLTR Dollar Tree Inc. | New | 0.18% | +0.18 |
| WMT Walmart Inc. | New | 0.16% | +0.16 |
| GOOGL Alphabet Inc. Class A | Add +10.2% | 0.64% | +0.16 |
| REVG Rev Group Inc. | New | 0.16% | +0.16 |
| IVLU iShares MSCI International V | Add +3.6% | 3.49% | +0.15 |
| SHEL Shell PLC-ADR | New | 0.14% | +0.14 |
| HIPS Graniteshares Hips US High I | New | 0.14% | +0.14 |
| KLAC KLA Corp. | New | 0.13% | +0.13 |
| FNDE Schwab Fndmntl Em MRK Eq ETF | Add +9.9% | 4.28% | +0.13 |
| HCA HCA Healthcare Inc. | Add +54.9% | 0.34% | +0.13 |
| UAL United Airlines Holdings Inc. | New | 0.12% | +0.12 |
| AMD Advanced Micro Devices | New | 0.12% | +0.12 |
| GM General Motors Co. | New | 0.11% | +0.11 |
| FLEX Flex Ltd. | New | 0.11% | +0.11 |
| PHYS Sprott Physical Gold Trust | New | 0.10% | +0.10 |
| ISRG Intuitive Surgical Inc. | Add +23.6% | 0.27% | +0.09 |
| VLUE iShares MSCI USA Value Facto | Add +15.5% | 0.52% | +0.08 |
| BHK BlackRock Core Bond Trust | New | 0.07% | +0.07 |
| VFMF Vanguard US Multifactor ETF | Add +21.8% | 0.42% | +0.07 |
| ITOT iShares Core S&P Total U.S. | Add +14.4% | 0.76% | +0.07 |
| SPYV SS SPDR P S&P 500 Value ETF | Add +17.8% | 0.48% | +0.06 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +17.3% | 0.52% | +0.06 |
| ERIC Ericsson (lm) Tel-SP ADR | New | 0.06% | +0.06 |
| BWA Borgwarner Inc. | Add +44.5% | 0.20% | +0.06 |
| BMY Bristol-Myers Squibb Co. | Add +1.8% | 0.35% | +0.04 |
| AAPL Apple Inc. | Add +1.4% | 2.15% | +0.04 |
| R Ryder System Inc. | Add +38.9% | 0.15% | +0.04 |
| EXPE Expedia Group Inc. | Add +4.0% | 0.14% | +0.03 |
| JPEM JPM Diversified Ret Em Equit | Add +5.1% | 1.77% | +0.03 |
| GOOG Alphabet Inc. Class C | Add +0.7% | 0.17% | +0.03 |
| TIGO Millicom Intl Cellular S.A. | Add +6.3% | 0.24% | +0.03 |
| AMZN Amazon.com Inc. | Add +6.4% | 0.59% | +0.03 |
| SPMO Invesco S&P 500 Momentum ETF | Add +22.2% | 0.19% | +0.02 |
| GILD Gilead Sciences Inc. | Add +4.8% | 0.27% | +0.02 |
| UGI Ugi Corp. | Add +4.5% | 0.22% | +0.02 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +16.9% | 0.18% | +0.02 |
| VTI VG Morningstar TS MKT ETF-US | Add +4.3% | 4.14% | +0.01 |
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 |