# EDGAR Filing Document

**Accession Number:** 0001766514
**File Stem:** 0001085146-23-000327
**Filing Date:** 2023-1
**Character Count:** 14326
**Document Hash:** 1788564cd88f95cff11300eddd6d585d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-23-000327.hdr.sgml**: 20230124

**ACCESSION NUMBER**: 0001085146-23-000327

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230124

**DATE AS OF CHANGE**: 20230123

**EFFECTIVENESS DATE**: 20230124

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RHS Financial, LLC
- **CENTRAL INDEX KEY:** 0001766514
- **IRS NUMBER:** 264441074
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19046
- **FILM NUMBER:** 23545721

**BUSINESS ADDRESS:**
- **STREET 1:** 4171 24TH STREET
- **STREET 2:** SUITE 101
- **CITY:** SAN FRANCISCO
- **STATE:** CA
- **ZIP:** 94114
- **BUSINESS PHONE:** 415-495-2900

**MAIL ADDRESS:**
- **STREET 1:** 4171 24TH STREET
- **STREET 2:** SUITE 101
- **CITY:** SAN FRANCISCO
- **STATE:** CA
- **ZIP:** 94114

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** RHS Financial LLC<br>**Address:** 4171 24TH STREET<br>SUITE 101<br>SAN FRANCISCO, CA 94114

**Form 13F File Number:** 028-19046

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Risley Sams<br>**Title:** Managing Member  Chief Compliance Officer<br>**Phone:** 415-495-2900

**Signature, Place, and Date of Signing:**

/s/Risley Sams  San Francisco, CA  01-23-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 93

**Form 13F Information Table Value Total:** $125770000

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 204000 | 2309 | SH |  | SOLE |  | 2309 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 208000 | 2476 | SH |  | SOLE |  | 2476 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 1071000 | 8245 | SH |  | SOLE |  | 8245 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 301000 | 974 | SH |  | SOLE |  | 974 | 0 | 0 |
| BLACKROCK CORE BD TR | SHS BEN INT | 09249E101 | BBG001SFNB21 | 2745000 | 264418 | SH |  | SOLE |  | 264418 | 0 | 0 |
| DBX ETF TR | XTRACKERS SHRT | 233051283 | BBG00JQ1CS66 | 756000 | 17738 | SH |  | SOLE |  | 17738 | 0 | 0 |
| FIDELITY COVINGTON TRUST | MSCI INFO TECH I | 316092808 | BBG005FHWBL1 | 203000 | 2148 | SH |  | SOLE |  | 2148 | 0 | 0 |
| GOLDMAN SACHS ETF TR | ACCES TREASURY | 381430529 | BBG00DRGSD25 | 2615000 | 26222 | SH |  | SOLE |  | 26222 | 0 | 0 |
| GRANITESHARES ETF TR | HIPS US HIGH INC | 38747R306 | BBG007V9C3Z2 | 167000 | 13913 | SH |  | SOLE |  | 13913 | 0 | 0 |
| INDEXIQ ETF TR | IQ MRGR ARB ETF | 45409B800 | BBG001S6VS16 | 298000 | 9399 | SH |  | SOLE |  | 9399 | 0 | 0 |
| INTUIT | COM | 461202103 | BBG001S6TWR2 | 290000 | 745 | SH |  | SOLE |  | 745 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | S EMRNG MKTS | 46138E297 | BBG002DJ8H94 | 310000 | 13452 | SH |  | SOLE |  | 13452 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 490000 | 1841 | SH |  | SOLE |  | 1841 | 0 | 0 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 | BBG00D7BDH70 | 628000 | 20900 | SH |  | SOLE |  | 20900 | 0 | 0 |
| ISHARES INC | JP MORGAN EM ETF | 464286517 | BBG0025X4J38 | 457000 | 13180 | SH |  | SOLE |  | 13180 | 0 | 0 |
| ISHARES INC | MSCI EMERG MKT | 46434G889 | BBG00BM64QL2 | 2763000 | 67326 | SH |  | SOLE |  | 67326 | 0 | 0 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 | BBG0025X3FS0 | 1864000 | 35134 | SH |  | SOLE |  | 35134 | 0 | 0 |
| ISHARES INC | MSCI GBL GOLD MN | 46434G855 | BBG002GKR7K6 | 954000 | 42737 | SH |  | SOLE |  | 42737 | 0 | 0 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 | BBG001TG5H89 | 621000 | 6407 | SH |  | SOLE |  | 6407 | 0 | 0 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 | BBG005DW06B7 | 205000 | 5019 | SH |  | SOLE |  | 5019 | 0 | 0 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 | BBG001SSD830 | 236000 | 2186 | SH |  | SOLE |  | 2186 | 0 | 0 |
| ISHARES TR | BLACKROCK ULTRA | 46434V878 | BBG005PCDCZ5 | 1448000 | 28933 | SH |  | SOLE |  | 28933 | 0 | 0 |
| ISHARES TR | BROAD USD HIGH | 46435U853 | BBG00J2DS0J6 | 333000 | 9638 | SH |  | SOLE |  | 9638 | 0 | 0 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 | BBG001T03XM5 | 1608000 | 28650 | SH |  | SOLE |  | 28650 | 0 | 0 |
| ISHARES TR | CONV BD ETF | 46435G102 | BBG009BKDMM6 | 646000 | 9304 | SH |  | SOLE |  | 9304 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 971000 | 15756 | SH |  | SOLE |  | 15756 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 205000 | 2414 | SH |  | SOLE |  | 2414 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 2432000 | 6331 | SH |  | SOLE |  | 6331 | 0 | 0 |
| ISHARES TR | CORE TOTAL USD | 46434V613 | BBG006MJCSW0 | 340000 | 7577 | SH |  | SOLE |  | 7577 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 | BBG001SM1QT8 | 614000 | 6329 | SH |  | SOLE |  | 6329 | 0 | 0 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 | BBG001SP62C7 | 298000 | 3552 | SH |  | SOLE |  | 3552 | 0 | 0 |
| ISHARES TR | EAFE VALUE ETF | 464288877 | BBG001SNYBH6 | 600000 | 13078 | SH |  | SOLE |  | 13078 | 0 | 0 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 | BBG00D7BBRS7 | 1728000 | 26290 | SH |  | SOLE |  | 26290 | 0 | 0 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 | BBG00FFPFTS4 | 3493000 | 41213 | SH |  | SOLE |  | 41213 | 0 | 0 |
| ISHARES TR | ESG SCRND S | 46436E569 | BBG00XDJC7F6 | 258000 | 9076 | SH |  | SOLE |  | 9076 | 0 | 0 |
| ISHARES TR | HIGH YLD BD FCTR | 46435G250 | BBG00H4BNPR3 | 761000 | 17457 | SH |  | SOLE |  | 17457 | 0 | 0 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 | BBG001SSD858 | 4057000 | 81440 | SH |  | SOLE |  | 81440 | 0 | 0 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 | BBG001SSD849 | 256000 | 5163 | SH |  | SOLE |  | 5163 | 0 | 0 |
| ISHARES TR | MBS ETF | 464288588 | BBG001SSD8B1 | 911000 | 9819 | SH |  | SOLE |  | 9819 | 0 | 0 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 | BBG0025X2WP7 | 1272000 | 20010 | SH |  | SOLE |  | 20010 | 0 | 0 |
| ISHARES TR | MSCI INTL MOMENT | 46434V449 | BBG007WGK4B0 | 620000 | 20124 | SH |  | SOLE |  | 20124 | 0 | 0 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 | BBG007WGM3H4 | 224000 | 6917 | SH |  | SOLE |  | 6917 | 0 | 0 |
| ISHARES TR | MSCI INTL SML CP | 46434V266 | BBG008LP7B65 | 585000 | 19498 | SH |  | SOLE |  | 19498 | 0 | 0 |
| ISHARES TR | MSCI INTL VLU FT | 46435G409 | BBG009DR6401 | 742000 | 32017 | SH |  | SOLE |  | 32017 | 0 | 0 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 | BBG0025X2G81 | 4173000 | 57881 | SH |  | SOLE |  | 57881 | 0 | 0 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 | BBG004FPV022 | 2610000 | 17884 | SH |  | SOLE |  | 17884 | 0 | 0 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 | BBG004TRTWW3 | 421000 | 3691 | SH |  | SOLE |  | 3691 | 0 | 0 |
| ISHARES TR | MSCI USA VALUE | 46432F388 | BBG004FPWGT7 | 552000 | 6060 | SH |  | SOLE |  | 6060 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 253000 | 2398 | SH |  | SOLE |  | 2398 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | BBG001SLS4Q3 | 347000 | 3331 | SH |  | SOLE |  | 3331 | 0 | 0 |
| ISHARES TR | U S EQUITY FACTR | 46434V282 | BBG008LNYFB5 | 375000 | 9602 | SH |  | SOLE |  | 9602 | 0 | 0 |
| ISHARES TR | US TREAS BD ETF | 46429B267 | BBG002NCKPP8 | 1543000 | 67922 | SH |  | SOLE |  | 67922 | 0 | 0 |
| ISHARES TR | USD INV GRDE ETF | 464288620 | BBG001SSD876 | 1081000 | 22006 | SH |  | SOLE |  | 22006 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | DIV RTN EM EQT | 46641Q308 | BBG007VDWC09 | 3491000 | 70830 | SH |  | SOLE |  | 70830 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | DIVERSFD EQT ETF | 46641Q845 | BBG00F7XDRN7 | 619000 | 15980 | SH |  | SOLE |  | 15980 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | JPMORGAN DIVER | 46641Q407 | BBG00B3QWPR4 | 321000 | 3385 | SH |  | SOLE |  | 3385 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | US VALUE FACTR | 46641Q753 | BBG00J5DNBK2 | 313000 | 9452 | SH |  | SOLE |  | 9452 | 0 | 0 |
| LITMAN GREGORY FDS TR | IMGP DBI MANAGED | 53700T827 | BBG00P35J8L8 | 993000 | 34124 | SH |  | SOLE |  | 34124 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 | BBG001S5T110 | 343000 | 1300 | SH |  | SOLE |  | 1300 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 1303000 | 5432 | SH |  | SOLE |  | 5432 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 222000 | 2717 | SH |  | SOLE |  | 2717 | 0 | 0 |
| PIMCO EQUITY SER | RAFI ESG US | 72201T342 | BBG00QQF57H1 | 768000 | 27516 | SH |  | SOLE |  | 27516 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 | BBG001T6L7D9 | 1240000 | 52383 | SH |  | SOLE |  | 52383 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | BBG001T5XQY3 | 5091000 | 158062 | SH |  | SOLE |  | 158062 | 0 | 0 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 | BBG001T9F7C1 | 1839000 | 37365 | SH |  | SOLE |  | 37365 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US LG | 808524771 | BBG0051J0PJ9 | 8054000 | 150708 | SH |  | SOLE |  | 150708 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US SC | 808524763 | BBG0051NXNX3 | 1657000 | 35465 | SH |  | SOLE |  | 35465 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWB FDT EMK LG | 808524730 | BBG0051QPC87 | 5237000 | 211353 | SH |  | SOLE |  | 211353 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT LG | 808524755 | BBG0051K49J8 | 9232000 | 317591 | SH |  | SOLE |  | 317591 | 0 | 0 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT SC | 808524748 | BBG0051QD594 | 242000 | 7730 | SH |  | SOLE |  | 7730 | 0 | 0 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 | BBG001T9F795 | 1322000 | 27396 | SH |  | SOLE |  | 27396 | 0 | 0 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 | BBG001WBMLH8 | 677000 | 14829 | SH |  | SOLE |  | 14829 | 0 | 0 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | BBG001T5XQT9 | 6124000 | 136662 | SH |  | SOLE |  | 136662 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 2648000 | 35048 | SH |  | SOLE |  | 35048 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 2297000 | 50885 | SH |  | SOLE |  | 50885 | 0 | 0 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 | BBG001V039G2 | 514000 | 26621 | SH |  | SOLE |  | 26621 | 0 | 0 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 | BBG001T9F777 | 750000 | 14478 | SH |  | SOLE |  | 14478 | 0 | 0 |
| SIMPLIFY EXCHANGE TRADED FUN | INTMD TERM TRSRY | 82889N798 | BBG012QCMJT2 | 283000 | 18679 | SH |  | SOLE |  | 18679 | 0 | 0 |
| UBS AG LONDON BRANCH | ETRACS UBS BLOOM | 90274D390 | BBG00B59KD90 | 3111000 | 125844 | SH |  | SOLE |  | 125844 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 373000 | 1751 | SH |  | SOLE |  | 1751 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 250000 | 1361 | SH |  | SOLE |  | 1361 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 3395000 | 17758 | SH |  | SOLE |  | 17758 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 241000 | 1716 | SH |  | SOLE |  | 1716 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 628000 | 16112 | SH |  | SOLE |  | 16112 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 | BBG001T2YZG9 | 271000 | 3144 | SH |  | SOLE |  | 3144 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 | BBG001T62MC8 | 638000 | 10351 | SH |  | SOLE |  | 10351 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 430000 | 2833 | SH |  | SOLE |  | 2833 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 2452000 | 58420 | SH |  | SOLE |  | 58420 | 0 | 0 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 | BBG004N1LYJ5 | 844000 | 13841 | SH |  | SOLE |  | 13841 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 307000 | 2835 | SH |  | SOLE |  | 2835 | 0 | 0 |
| VANGUARD WORLD FD | EXTENDED DUR | 921910709 | BBG001SV5CV2 | 211000 | 2552 | SH |  | SOLE |  | 2552 | 0 | 0 |
| WISDOMTREE TR | INTERNATIONL EFI | 97717Y634 | BBG0112Z5KQ8 | 847000 | 26692 | SH |  | SOLE |  | 26692 | 0 | 0 |
| WISDOMTREE TR | US EFFICIENT COR | 97717Y790 | BBG00LLPH6R3 | 3049000 | 93947 | SH |  | SOLE |  | 93947 | 0 | 0 |

---