# EDGAR Filing Document

**Accession Number:** 0001766514
**File Stem:** 0001766514-26-000001
**Filing Date:** 2026-1
**Character Count:** 19854
**Document Hash:** a5d46158df2bae191c789e46257c8cb8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001766514-26-000001.hdr.sgml**: 20260116

**ACCESSION NUMBER**: 0001766514-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260116

**DATE AS OF CHANGE**: 20260115

**EFFECTIVENESS DATE**: 20260116

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RHS Financial, LLC
- **CENTRAL INDEX KEY:** 0001766514

**ORGANIZATION NAME:**
- **EIN:** 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:** 26537179

**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:** 12-31-2025

**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  01-15-2026<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:** 144

**Form 13F Information Table Value Total:** $204841075

      (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 |
| ABRDN ETFS | BBRG ALL COMMDY | 003261203 | BBG00G9CGXD4 | 1021804 | 33004 | SH |  | SOLE |  | 33004 | 0 | 0 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 | BBG001S5NN36 | 238146 | 1112 | SH |  | SOLE |  | 1112 | 0 | 0 |
| ALBERTSONS COS INC | COMMON STOCK | 013091103 | BBG009KG1741 | 395940 | 23060 | SH |  | SOLE |  | 23060 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 1319295 | 4215 | SH |  | SOLE |  | 4215 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 343731 | 1095 | SH |  | SOLE |  | 1095 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 1210420 | 5244 | SH |  | SOLE |  | 5244 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 4403052 | 16196 | SH |  | SOLE |  | 16196 | 0 | 0 |
| AT INC | COM | 00206R102 | BBG001S5VWH2 | 352728 | 14200 | SH |  | SOLE |  | 14200 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 368945 | 734 | SH |  | SOLE |  | 734 | 0 | 0 |
| BLACKROCK CORE BD TR | SHS BEN INT | 09249E101 | BBG001SFNB21 | 145720 | 15195 | SH |  | SOLE |  | 15195 | 0 | 0 |
| BLUEROCK PVT REAL ESTATE FD | COM | 09631P102 | BBG0064MN169 | 1187790 | 79186 | SH |  | SOLE |  | 79186 | 0 | 0 |
| BORGWARNER INC | COM | 099724106 | BBG001S7F4D2 | 400764 | 8894 | SH |  | SOLE |  | 8894 | 0 | 0 |
| BOSTON BEER INC | CL A | 100557107 | BBG001S5VVQ4 | 382650 | 1961 | SH |  | SOLE |  | 1961 | 0 | 0 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 | BBG001S8N8J6 | 707693 | 13120 | SH |  | SOLE |  | 13120 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMERGING MARKETS | 25434V682 | BBG01B92W7S9 | 419446 | 10112 | SH |  | SOLE |  | 10112 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTERNATIONAL | 25434V690 | BBG01B92VTS2 | 252229 | 5887 | SH |  | SOLE |  | 5887 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 | BBG00Y2JG0C0 | 311220 | 6650 | SH |  | SOLE |  | 6650 | 0 | 0 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 | BBG012G2PD33 | 225542 | 6891 | SH |  | SOLE |  | 6891 | 0 | 0 |
| DOLLAR TREE INC | COM | 256746108 | BBG001S6ZGL6 | 362141 | 2944 | SH |  | SOLE |  | 2944 | 0 | 0 |
| DROPBOX INC | CL A | 26210C104 | BBG001TFLWN3 | 351170 | 12632 | SH |  | SOLE |  | 12632 | 0 | 0 |
| DXC TECHNOLOGY CO | COM | 23355L106 | BBG00FN64XV6 | 207678 | 14176 | SH |  | SOLE |  | 14176 | 0 | 0 |
| EA SERIES TRUST | ALPHA ARCH 1-3 | 02072L565 | BBG01BBK3R95 | 4747184 | 41244 | SH |  | SOLE |  | 41244 | 0 | 0 |
| EA SERIES TRUST | ALPHA ARCHITECT | 02072Q408 | BBG01R9HRVW9 | 1036237 | 9838 | SH |  | SOLE |  | 9838 | 0 | 0 |
| EBAY INC. | COM | 278642103 | BBG001S9B9J5 | 540368 | 6204 | SH |  | SOLE |  | 6204 | 0 | 0 |
| ELECTRONIC ARTS INC | COM | 285512109 | BBG001S5T5C9 | 213116 | 1043 | SH |  | SOLE |  | 1043 | 0 | 0 |
| EOG RES INC | COM | 26875P101 | BBG001S5ZB93 | 358399 | 3413 | SH |  | SOLE |  | 3413 | 0 | 0 |
| EXELIXIS INC | COM | 30161Q104 | BBG001SD42W4 | 553091 | 12619 | SH |  | SOLE |  | 12619 | 0 | 0 |
| EXPEDIA GROUP INC | COM NEW | 30212P303 | BBG001SP8VM0 | 291809 | 1030 | SH |  | SOLE |  | 1030 | 0 | 0 |
| FEDERATED HERMES INC | CL B | 314211103 | BBG001S6TGK4 | 458164 | 8799 | SH |  | SOLE |  | 8799 | 0 | 0 |
| FLEX LTD | ORD | Y2573F102 | BBG001SC5SP6 | 221741 | 3670 | SH |  | SOLE |  | 3670 | 0 | 0 |
| G III APPAREL GROUP LTD | COM | 36237H101 | BBG001S6F0Z8 | 347144 | 11987 | SH |  | SOLE |  | 11987 | 0 | 0 |
| GENERAL MTRS CO | COM | 37045V100 | BBG001SM1DK6 | 222492 | 2736 | SH |  | SOLE |  | 2736 | 0 | 0 |
| GILEAD SCIENCES INC | COM | 375558103 | BBG001S6Y1X7 | 550121 | 4482 | SH |  | SOLE |  | 4482 | 0 | 0 |
| GLOBAL X FDS | US PFD ETF | 37954Y657 | BBG00HPF2LX6 | 395686 | 20925 | SH |  | SOLE |  | 20925 | 0 | 0 |
| GOLDMAN SACHS ETF TR | ACCES TREASURY | 381430529 | BBG00DRGSD25 | 366080 | 3663 | SH |  | SOLE |  | 3663 | 0 | 0 |
| GRANITESHARES ETF TR | HIPS US HIGH INC | 38747R306 | BBG007V9C3Z2 | 283625 | 24283 | SH |  | SOLE |  | 24283 | 0 | 0 |
| GRAYSCALE BITCOIN MINI TR ET | SHS NEW | 389930207 | BBG01NX636V7 | 738078 | 19057 | SH |  | SOLE |  | 19057 | 0 | 0 |
| HCA HEALTHCARE INC | COM | 40412C101 | BBG001T8NTY2 | 703558 | 1507 | SH |  | SOLE |  | 1507 | 0 | 0 |
| HEWLETT PACKARD ENTERPRISE C | COM | 42824C109 | BBG0078W3NP4 | 316295 | 13168 | SH |  | SOLE |  | 13168 | 0 | 0 |
| HP INC | COM | 40434L105 | BBG001S6W7N7 | 277676 | 12463 | SH |  | SOLE |  | 12463 | 0 | 0 |
| INGREDION INC | COM | 457187102 | BBG001SBH4X9 | 414689 | 3761 | SH |  | SOLE |  | 3761 | 0 | 0 |
| INTERDIGITAL INC | COM | 45867G101 | BBG001S8DV79 | 624662 | 1962 | SH |  | SOLE |  | 1962 | 0 | 0 |
| INTERFACE INC | COM | 458665304 | BBG001S5S5S3 | 232741 | 8336 | SH |  | SOLE |  | 8336 | 0 | 0 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 | BBG001S7XR78 | 553900 | 978 | SH |  | SOLE |  | 978 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 | BBG00B59HSJ0 | 388625 | 3257 | SH |  | SOLE |  | 3257 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 230689 | 376 | SH |  | SOLE |  | 376 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 | BBG003HC3DG9 | 465517 | 6925 | SH |  | SOLE |  | 6925 | 0 | 0 |
| ISHARES INC | EMNG MKTS EQT | 46434G889 | BBG00BM64QL2 | 6127144 | 105914 | SH |  | SOLE |  | 105914 | 0 | 0 |
| ISHARES INC | ESG AWR MSCI EM | 46434G863 | BBG00D7BDH70 | 374297 | 8474 | SH |  | SOLE |  | 8474 | 0 | 0 |
| ISHARES INC | JP MORGAN EM ETF | 464286517 | BBG0025X4J38 | 1216837 | 29272 | SH |  | SOLE |  | 29272 | 0 | 0 |
| ISHARES INC | MSCI EMERG MRKT | 464286533 | BBG0025X3FS0 | 1620873 | 25310 | SH |  | SOLE |  | 25310 | 0 | 0 |
| ISHARES INC | MSCI GBL GOLD MN | 46434G855 | BBG002GKR7K6 | 5489494 | 74545 | SH |  | SOLE |  | 74545 | 0 | 0 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 | BBG00TZR7YF0 | 1076397 | 10723 | SH |  | SOLE |  | 10723 | 0 | 0 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 | BBG001TG5H89 | 321743 | 3142 | SH |  | SOLE |  | 3142 | 0 | 0 |
| ISHARES TR | 10+ YR INVST GRD | 464289511 | BBG001T5MKD1 | 292529 | 5798 | SH |  | SOLE |  | 5798 | 0 | 0 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 | BBG001SSD830 | 823425 | 8099 | SH |  | SOLE |  | 8099 | 0 | 0 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 | BBG001T03XM5 | 389464 | 6778 | SH |  | SOLE |  | 6778 | 0 | 0 |
| ISHARES TR | CORE INTL AGGR | 46435G672 | BBG00BDV2SQ0 | 451390 | 9026 | SH |  | SOLE |  | 9026 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 405909 | 4537 | SH |  | SOLE |  | 4537 | 0 | 0 |
| ISHARES TR | CORE MSCI INTL | 46435G326 | BBG00G9DM0M7 | 1992429 | 24157 | SH |  | SOLE |  | 24157 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 1550293 | 10426 | SH |  | SOLE |  | 10426 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 353429 | 516 | SH |  | SOLE |  | 516 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 | BBG001SM1QT8 | 206342 | 2066 | SH |  | SOLE |  | 2066 | 0 | 0 |
| ISHARES TR | CRE U S REIT ETF | 464288521 | BBG001ST7G55 | 415011 | 7286 | SH |  | SOLE |  | 7286 | 0 | 0 |
| ISHARES TR | EAFE VALUE ETF | 464288877 | BBG001SNYBH6 | 347552 | 4867 | SH |  | SOLE |  | 4867 | 0 | 0 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 | BBG00D7BBRS7 | 1408942 | 14817 | SH |  | SOLE |  | 14817 | 0 | 0 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 | BBG00FFPFTS4 | 2007960 | 13478 | SH |  | SOLE |  | 13478 | 0 | 0 |
| ISHARES TR | INTERNATIONAL SL | 46434V266 | BBG008LP7B65 | 1043346 | 25153 | SH |  | SOLE |  | 25153 | 0 | 0 |
| ISHARES TR | INTL EQTY FACTOR | 46434V274 | BBG008LPBS09 | 4577045 | 121246 | SH |  | SOLE |  | 121246 | 0 | 0 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 | BBG001SSD858 | 2411469 | 45603 | SH |  | SOLE |  | 45603 | 0 | 0 |
| ISHARES TR | MBS ETF | 464288588 | BBG001SSD8B1 | 1935315 | 20325 | SH |  | SOLE |  | 20325 | 0 | 0 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 | BBG0025X2WP7 | 1862741 | 21597 | SH |  | SOLE |  | 21597 | 0 | 0 |
| ISHARES TR | MSCI INTL MOMENT | 46434V449 | BBG007WGK4B0 | 3545559 | 73912 | SH |  | SOLE |  | 73912 | 0 | 0 |
| ISHARES TR | MSCI INTL VLU FT | 46435G409 | BBG009DR6401 | 7157426 | 188106 | SH |  | SOLE |  | 188106 | 0 | 0 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 | BBG0025X2G81 | 4125355 | 43812 | SH |  | SOLE |  | 43812 | 0 | 0 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 | BBG004FPV022 | 6642949 | 26539 | SH |  | SOLE |  | 26539 | 0 | 0 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 | BBG004TRTWW3 | 802226 | 4039 | SH |  | SOLE |  | 4039 | 0 | 0 |
| ISHARES TR | MSCI USA VALUE | 46432F388 | BBG004FPWGT7 | 1072584 | 7845 | SH |  | SOLE |  | 7845 | 0 | 0 |
| ISHARES TR | U S EQUITY FACTR | 46434V282 | BBG008LNYFB5 | 4656503 | 67068 | SH |  | SOLE |  | 67068 | 0 | 0 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 | BBG005PCDCZ5 | 2859901 | 56542 | SH |  | SOLE |  | 56542 | 0 | 0 |
| ISHARES TR | US SML CAP EQT | 46434V290 | BBG008LP6CK8 | 550817 | 7356 | SH |  | SOLE |  | 7356 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | DIV RTN EM EQT | 46641Q308 | BBG007VDWC09 | 3628500 | 59748 | SH |  | SOLE |  | 59748 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | DIV RTN INT EQ | 46641Q209 | BBG007H0QWC3 | 640720 | 9403 | SH |  | SOLE |  | 9403 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | JPMORGAN DIVER | 46641Q407 | BBG00B3QWPR4 | 1343829 | 10842 | SH |  | SOLE |  | 10842 | 0 | 0 |
| KINROSS GOLD CORP | COM | 496902404 | BBG001S5R0C2 | 231081 | 8206 | SH |  | SOLE |  | 8206 | 0 | 0 |
| KLA CORP | COM NEW | 482480100 | BBG001S5SLM4 | 275823 | 227 | SH |  | SOLE |  | 227 | 0 | 0 |
| KROGER CO | COM | 501044101 | BBG001S5SN40 | 369944 | 5921 | SH |  | SOLE |  | 5921 | 0 | 0 |
| LITMAN GREGORY FDS TR | IMGP DBI MANAGED | 53700T827 | BBG00P35J8L8 | 1413887 | 50388 | SH |  | SOLE |  | 50388 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 | BBG001SQCQC5 | 320144 | 485 | SH |  | SOLE |  | 485 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 1594943 | 3298 | SH |  | SOLE |  | 3298 | 0 | 0 |
| MILLICOM INTL CELLULAR S A | COM STK | L6388F110 | BBG001S8W0H5 | 485932 | 8765 | SH |  | SOLE |  | 8765 | 0 | 0 |
| NEW YORK LIFE INVESTMENTS ET | NYLI MERGER ARBI | 45409B800 | BBG001S6VS16 | 226085 | 6317 | SH |  | SOLE |  | 6317 | 0 | 0 |
| NRG ENERGY INC | COM NEW | 629377508 | BBG001SDD8F0 | 288384 | 1811 | SH |  | SOLE |  | 1811 | 0 | 0 |
| NUSHARES ETF TR | NUVEEN ESG LRGVL | 67092P300 | BBG00FJ5HBJ1 | 238630 | 5297 | SH |  | SOLE |  | 5297 | 0 | 0 |
| NUVEEN CA QUALTY MUN INCOME | COM | 67066Y105 | BBG001SCTG12 | 377613 | 31974 | SH |  | SOLE |  | 31974 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 1846537 | 9901 | SH |  | SOLE |  | 9901 | 0 | 0 |
| PILGRIMS PRIDE CORP | COM | 72147K108 | BBG001S5PSN1 | 360852 | 9255 | SH |  | SOLE |  | 9255 | 0 | 0 |
| PIMCO EQUITY SER | RAFI ESG US | 72201T342 | BBG00QQF57H1 | 296679 | 7065 | SH |  | SOLE |  | 7065 | 0 | 0 |
| RALPH LAUREN CORP | CL A | 751212101 | BBG001S9TL45 | 313652 | 887 | SH |  | SOLE |  | 887 | 0 | 0 |
| REV GROUP INC | COM | 749527107 | BBG00CSG01X8 | 329286 | 5415 | SH |  | SOLE |  | 5415 | 0 | 0 |
| RYDER SYS INC | COM | 783549108 | BBG001S5VK15 | 310817 | 1624 | SH |  | SOLE |  | 1624 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 | BBG001T6L7D9 | 225129 | 6874 | SH |  | SOLE |  | 6874 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL EMER | 808524730 | BBG0051QPC87 | 8761774 | 242978 | SH |  | SOLE |  | 242978 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 | BBG0051K49J8 | 7360462 | 162806 | SH |  | SOLE |  | 162806 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524748 | BBG0051QD594 | 401268 | 9007 | SH |  | SOLE |  | 9007 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 | BBG0051J0PJ9 | 8537854 | 313776 | SH |  | SOLE |  | 313776 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US S | 808524763 | BBG0051NXNX3 | 218856 | 6946 | SH |  | SOLE |  | 6946 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | BBG001T5XQY3 | 4809816 | 200076 | SH |  | SOLE |  | 200076 | 0 | 0 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | BBG001T5XQT9 | 7645543 | 291481 | SH |  | SOLE |  | 291481 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 1137022 | 41452 | SH |  | SOLE |  | 41452 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | BBG001T66WN0 | 432280 | 13252 | SH |  | SOLE |  | 13252 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 2234418 | 83033 | SH |  | SOLE |  | 83033 | 0 | 0 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 | BBG001T9F777 | 2832086 | 106912 | SH |  | SOLE |  | 106912 | 0 | 0 |
| SHELL PLC | SPON ADS | 780259305 | BBG0147BN6H1 | 293993 | 4001 | SH |  | SOLE |  | 4001 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 | BBG001SG4284 | 986771 | 17370 | SH |  | SOLE |  | 17370 | 0 | 0 |
| SPROTT ASSET MANAGEMENT LP | PHYSICAL GOLD TR | 85207H104 | BBG001T66XM9 | 206705 | 6260 | SH |  | SOLE |  | 6260 | 0 | 0 |
| SYLVAMO CORP | COMMON STOCK | 871332102 | BBG0122M8040 | 203626 | 4229 | SH |  | SOLE |  | 4229 | 0 | 0 |
| TELEFONAKTIEBOLAGET LM ERICS | ADR B SEK 10 | 294821608 | BBG001S5QXT3 | 115028 | 11920 | SH |  | SOLE |  | 11920 | 0 | 0 |
| TENET HEALTHCARE CORP | COM NEW | 88033G407 | BBG001S70FY0 | 203887 | 1026 | SH |  | SOLE |  | 1026 | 0 | 0 |
| TIDAL TRUST II | RETURN STCKD US | 88636J816 | BBG01J6BBJT1 | 1836882 | 64793 | SH |  | SOLE |  | 64793 | 0 | 0 |
| TURKCELL ILETISIM HIZMETLERI | SPON ADR NEW | 900111204 | BBG001SFMFS5 | 104860 | 19170 | SH |  | SOLE |  | 19170 | 0 | 0 |
| UBS AG LONDON BRANCH | ETRACS UBS BLOOM | 90274D390 | BBG00B59KD90 | 3283960 | 117016 | SH |  | SOLE |  | 117016 | 0 | 0 |
| UGI CORP NEW | COM | 902681105 | BBG001S5X0W3 | 442759 | 11829 | SH |  | SOLE |  | 11829 | 0 | 0 |
| UNITED AIRLS HLDGS INC | COM | 910047109 | BBG001SQ87W0 | 241978 | 2164 | SH |  | SOLE |  | 2164 | 0 | 0 |
| UNIVERSAL HLTH SVCS INC | CL B | 913903100 | BBG001S6S976 | 304574 | 1397 | SH |  | SOLE |  | 1397 | 0 | 0 |
| VALMONT INDS INC | COM | 920253101 | BBG001S5X650 | 397090 | 987 | SH |  | SOLE |  | 987 | 0 | 0 |
| VANECK ETF TRUST | JP MRGAN EM LOC | 92189H300 | BBG001T9BPT7 | 2563623 | 99288 | SH |  | SOLE |  | 99288 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 1075313 | 2204 | SH |  | SOLE |  | 2204 | 0 | 0 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | BBG001SHVTR2 | 656019 | 3097 | SH |  | SOLE |  | 3097 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 8472756 | 25271 | SH |  | SOLE |  | 25271 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 264835 | 1387 | SH |  | SOLE |  | 1387 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 392018 | 7292 | SH |  | SOLE |  | 7292 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 | BBG001T2YZG9 | 378746 | 2685 | SH |  | SOLE |  | 2685 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 | BBG001T62M92 | 2701413 | 45076 | SH |  | SOLE |  | 45076 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | LONG TERM TREAS | 92206C847 | BBG001T62MC8 | 4781948 | 85698 | SH |  | SOLE |  | 85698 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 365274 | 1662 | SH |  | SOLE |  | 1662 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 7194305 | 115164 | SH |  | SOLE |  | 115164 | 0 | 0 |
| VANGUARD WELLINGTON FD | US MULTIFACTOR | 921935607 | BBG00K26C194 | 857160 | 5687 | SH |  | SOLE |  | 5687 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | BBG001SS0V24 | 1325115 | 9233 | SH |  | SOLE |  | 9233 | 0 | 0 |
| VANGUARD WORLD FD | MEGA CAP INDEX | 921910873 | BBG001T0Y6Y7 | 368969 | 1469 | SH |  | SOLE |  | 1469 | 0 | 0 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 335383 | 3010 | SH |  | SOLE |  | 3010 | 0 | 0 |
| WESTERN ASST INFLTN LKD INM | COM SH BEN INT | 95766Q106 | BBG001SBSMH5 | 1559926 | 188625 | SH |  | SOLE |  | 188625 | 0 | 0 |
| WISDOMTREE TR | US EFFICIENT COR | 97717Y790 | BBG00LLPH6R3 | 2872608 | 52410 | SH |  | SOLE |  | 52410 | 0 | 0 |
| YELP INC | CL A | 985817105 | BBG001T6C2W9 | 309218 | 10175 | SH |  | SOLE |  | 10175 | 0 | 0 |

---