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Overview

We Believe Investing Should Be Easy

The E-Valuator Risk Managed Strategy (RMS) Funds make investing easy for Investors by providing 6 distinctly different investment options spanning the efficient frontier spectrum of risk management from Very Conservative to Enhanced Growth.  Investors simply need to identify their personal level of acceptable volatility (risk) exposure, then invest accordingly in the RMS Fund(s) matching their tolerance level.

We Believe In a Systematic Approach to Intelligent Investing

We manage The E-Valuator Risk Managed Strategy (RMS) Funds with a disciplined, pragmatic approach seeking to maximize performance within a stated range of volatility, as measured by standard deviation. Our Meticulous Asset Allocation Process (MAAP) provides the guidance in the form of a “road map” through the asset allocation and diversification process.

We Strive To Simplify the Process

The E-Valuator Risk Managed Strategy (RMS) Funds were created to simplify a comprehensive asset management process, without sacrificing performance. Accordingly, each of The E-Valuator RMS Funds contains a complete asset management program packaged into an open-end mutual fund.

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Performance Report
 
Quarterly Commentary

As Seen In

The E-Valuator RMS Funds Are Not Typical Mutual Funds

The E-Valuator Software

The E-Valuator software systematically selects, monitors, and replaces (as needed) the underlying investments, i.e. ETF’s and open-end mutual funds.

M.A.A.P.

Meticulous Asset Allocation Process.  Establishes the “road map” for diversifying and allocating assets in a pragmatic, methodical manner.

Optimized for Return

Seeking to maximize performance at varying levels of risk along the efficient frontier while utilizing both Passive Management and Active Management.

Rebalancing

Underlying investments are rebalanced when their pro-rata balance of the Fund differs by +/-10% from their original allocation percentage.

Replacement

These fund-of-funds investments continually monitor, identify, and replace underlying investments whenever performance lags below the criteria set by the E-Valuator software.

Tax Harvesting

Proactively replace a lagging investment to potentially help reduce your taxable income.

NEWS & INSIGHTS
October 27, 2026October 27, 2026 The E-Valuator team is excited to be attending Schwab IMPACT 2026, October 27–29, in Boston, Massachusetts! As one of the leading conferences for independent Registered Investment Advisors (RIAs), Schwab IMPACT brings together financial professionals, industry experts, and innovative solution providers to explore new ideas, strengthen relationships, and discover opportunities to grow their advisory businesses. This year’s event features educational sessions, industry insights, technology solutions, and networking opportunities designed to help advisors stay ahead in an evolving financial landscape. Discover Solutions Designed for Today’s Financial Advisors If you’re attending IMPACT 2026, we invite you to stop by Booth 1402 to meet our team and learn how The E-Valuator, The E-Valuator Risk Managed Strategy (RMS) Funds, and SIIMPL can help streamline investment management and support your advisory practice. The E-Valuator Software Simplify investment research, portfolio monitoring, and client reporting with customizable analytical tools. The E-Valuator allows advisors to establish investment performance standards, evaluate mutual funds and ETFs, monitor portfolios, and generate easy-to-understand reports that support investment oversight and client communication. The E-Valuator Risk Managed Strategy (RMS) Funds Explore a family of six risk-managed mutual funds designed around different levels of investment risk, from Very Conservative to Enhanced Growth. Using a disciplined asset allocation process and ongoing investment monitoring, the RMS Funds offer advisors a systematic approach to portfolio management aligned with varying investor risk tolerances. SIIMPL — Customized Target Risk & Target Date Investing™ Discover an approach to personalized investment and distribution planning. SIIMPL helps advisors develop customized strategies based on each client’s risk tolerance, investment timeline, and future distribution needs. Its automated asset transition capabilities are designed to help advisors deliver personalized solutions more efficiently. Let’s Connect at Booth 1402! Whether you’re looking to improve portfolio oversight, simplify investment management, or explore new ways to serve your clients, we’d welcome the opportunity to connect. Our team looks forward to answering your questions, discussing the challenges facing your practice, and showing you how our solutions may fit into your advisory business. Attending Schwab IMPACT 2026? Make Booth 1402 one of your stops! We look forward to seeing you in Boston! Event Details Conference: Schwab IMPACT 2026 Dates: October 27–29, 2026 Location: Thomas M. Menino Convention & Exhibition Center, Boston, MA Visit Us: Booth 1402 Learn more about our solutions at EvaluatorFunds.com, E-Valuator.com, and SIIMPL.com. [...] Read more...
October 22, 2026Can the Bull Market Keep Going? History Offers Some Encouragement The current bull market has reached an important milestone, celebrating its fourth anniversary on October 12, 2026. Despite economic uncertainty, inflation concerns, higher interest rates, and geopolitical challenges, U.S. stocks have continued to deliver strong returns. Since the market bottomed in October 2022, the S&P 500 has gained approximately 118%, including a 19.2% increase over the past year. With stocks trading near record highs, investors are wondering whether the rally still has room to grow. What History Tells Us About Bull Markets According to LPL Research, history suggests that bull markets reaching their fourth anniversary often continue into a fifth year. Of the six previous S&P 500 bull markets that lasted at least four years, five went on to complete a fifth year. Among those that did, the average fifth-year gain was 20.7%. Some periods produced particularly impressive returns. The bull market that began in 1982 gained 36.6% during its fifth year, while the 1990 bull market advanced 24.4%. Of course, historical performance doesn’t guarantee similar results, and the relatively small number of examples makes predictions difficult. What’s Supporting the Current Rally? Several factors have helped sustain the market’s momentum. Corporate earnings: Strong company profits continue to provide support for stock valuations and investor confidence. Artificial intelligence investment: Spending on AI infrastructure remains a significant growth driver, particularly in semiconductors, data centers, technology equipment, and power infrastructure. Economic resilience: Consumer spending has remained relatively steady, helping reduce immediate concerns about a recession. Interest rates: A more favorable interest-rate environment could provide additional support to stocks, particularly if inflation continues to ease. What Could Bring the Bull Market to an End? Bull markets don’t necessarily end simply because they’ve lasted several years. Historically, major economic disruptions, recessions, financial crises, or restrictive monetary policies have been more common triggers. Although the current economic outlook remains relatively encouraging, risks haven’t disappeared. Elevated market valuations, geopolitical uncertainty, rising energy costs, and questions surrounding the long-term returns on AI investments could create volatility. Looking Ahead The historical record offers reasons for optimism as the market enters its fifth year. Continued earnings growth, economic stability, and technology investment could help extend the rally into 2027. However, investors should avoid assuming that past market patterns will repeat. Maintaining a diversified portfolio, monitoring economic conditions, and staying focused on long-term investment objectives remain important regardless of how long the current bull market continues. Source: LPL Research, Bull Markets That Last Four Years Typically Last Five, Jeff Buchbinder, October 14, 2026. [...] Read more...
October 21, 2026Who Controls the Credit Ratings That Shape Global Bond Markets? Credit ratings play an important role in financial markets, helping investors evaluate risk and influencing the cost of borrowing for businesses and governments. Yet much of this influence is concentrated among just three companies. According to an October 2026 report from Visual Capitalist, S&P Global Ratings, Moody’s Ratings, and Fitch Ratings account for approximately 93.4% of outstanding credit ratings reported to U.S. regulators. Three Agencies Dominate the Market Using data reported through the end of 2024, the three largest credit rating agencies hold the following market shares: S&P Global Ratings: 49.6% Moody’s Ratings: 31.4% Fitch Ratings: 12.4% Together, these companies account for more than nine out of every ten outstanding ratings, leaving just 6.6% to smaller competitors. Although firms such as Morningstar DBRS and KBRA have expanded their presence, the industry remains highly concentrated. Why Credit Ratings Matter to Investors Credit ratings help investors assess the likelihood that a borrower will meet its financial obligations. These assessments can directly influence bond yields, borrowing costs, and investment decisions. Higher-rated borrowers generally have access to financing at more favorable rates, while lower-rated borrowers often must offer higher yields to compensate investors for additional risk. For companies and governments managing substantial debt, even relatively small changes in borrowing costs can have significant financial implications. Why Competition Remains Limited Breaking into the credit rating industry presents unique challenges. Many institutional investors follow investment guidelines that recognize ratings from established agencies. Bond indexes may also require ratings from specific providers before securities can qualify for inclusion. These practices reinforce the position of the largest agencies and make it difficult for newer competitors to gain widespread acceptance. Another consideration is the industry’s business model. Rating agencies are often compensated by the organizations they evaluate, creating potential conflicts of interest and emphasizing the importance of independent credit analysis. The Bigger Picture for Investors Credit ratings remain an important resource when evaluating fixed-income investments, but they represent only one piece of the investment decision. Understanding credit quality, interest-rate sensitivity, diversification, and overall market conditions can provide a more complete view of potential risks and opportunities. As the global bond market continues to evolve, recognizing how credit ratings are determined—and who provides them—can help investors make more informed portfolio decisions. Source: Visual Capitalist, The Credit Rating Agencies Which Price the World, October 13, 2026. [...] Read more...
October 20, 2026Earnings kickoff Overall earnings expectations were modestly scaled back after mixed results came in from the major U.S. banks that opened earnings season. As of Friday, analysts projected that third-quarter earnings for companies in the S&P 500 rose 29.0%, down from a forecast of 29.4% a week earlier, according to FactSet. Such an outcome would mark the third consecutive quarter of earnings growth exceeding 25%.   Retail resilience U.S. retailers reported a bigger-than-expected gain, with sales up 0.8% in September versus economists’ consensus of 0.3%. However, excluding gasoline sales, retail sales rose just 0.2%—reflecting the recent rise in fuel prices.   Sticky inflation Two reports reflected persistently elevated inflation at the consumer and wholesale levels, with costs rising beyond energy prices. Wednesday’s Consumer Price Index report showed a 3.7% annual rate in September, up from 3.4% the previous month. A separate Thursday report on producer prices showed wholesale inflation rose in September at a 6.3% annual rate, the highest since 2022.   Yield curve flattens Yields of longer-dated U.S. Treasury debt fell for the second week in a row, with the 10-year Treasury ending the week at 5.08%, down from 5.24% the previous week. The 30-year yield was also down sharply at 5.43% from 5.60%. In contrast, shorter duration yields fell modestly, with the 2-year Treasury at 4.72% versus 4.79% the prior week.   Read Full Article: https://www.jhinvestments.com/weekly-market-recap#market-moving-news [...] Read more...

Funds

Enhanced GrowthGrowthModerateConservative/ModerateConservativeVery Conservative
Download
Fact Sheet
Fact Sheet
Fact Sheet
Fact Sheet
Fact Sheet
Fact Sheet

Equity Allocation

85% – 99%70% – 85%50% – 70%30% – 50%15% – 30%0% – 15%

RMS Fund Objectives

PrimaryHigh GrowthGrowthGrowth & IncomeIncomeIncomeIncome
SecondaryIncomeIncomeGrowth & IncomeGrowthGrowthStability of Principal

Investor Suitability

Liquidation Target DateMore than 12 yrs.9 yrs. to 12 yrs.6 yrs. to 9 yrs.4 yrs. to 6 yrs.2 yrs. to 4 yrs.Less than 2 yrs.
Short-Term Loss ToleranceVery HighHighAcceptableModerateLowVery Low
Stock Market Risk ExposureSignificantAbove AverageAverageBelow AverageBelow AverageMinimal
Inflation Risk ExposureMinimalBelow AverageAverageAbove AverageAbove AverageSignificant

Std. Deviation Goal

3 yr. and/or 5 yr.9.5% – 13.5%8.0% – 11.0%5.5% – 8.5%4.0% – 6.5%2.5% – 5.0%1.0% – 3.5%

Ticker Symbols &
Summary Prospectuses

Service Share Class
EVAGX
EVGLX
EVMLX
EVTTX
EVCLX
EVVLX
R4 Share Class
EVFGX
EVGRX
EVFMX
EVFTX
EVFCX
EVVCX

RISK: There are risks involved with investing, including loss of principal. Current and future portfolio holdings are subject to risks as well. Diversification may not protect against market risk. There is no assurance the goals of the strategies discussed will be met. International investments may involve risk of capital loss from unfavorable fluctuation in currency values, from difference in generally accepted accounting in principles or from economic or political instability in other nations. Emerging markets involve heightened risks related to the same factors as well as increased volatility and lower trading volume. Bonds and bond funds will decrease in value as interest rates rise. These and other risks are described more fully in the fund’s prospectus. CREDIT RISK: The issuer of a fixed income security may not be able to make interest and principal payments when due. The lower the credit rating of a security, the greater the risk of default on its obligation.

Investors should consider the investment objectives, risks, charges and expenses of the Fund carefully before investing. This and other information is contained in the Fund’s prospectus and summary prospectus, which may be obtained online or by calling 1-888-507-2798.

Please read the prospectus carefully before investing.

FOR THE INVESTOR, IT’S SIMPLE.

In essence, The E-Valuator Risk Managed Strategy Funds provide a cost-effective asset allocation service for its shareholders.

Kevin R. Miller
CEO Systelligence & Portfolio Manager
The E-Valuator Risk Managed Strategy Funds