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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
November 6, 2026Why Treasury Yields May Matter More Than the Fed’s Next Decision While investors closely follow every Federal Reserve announcement, movements in the U.S. Treasury market may offer a better picture of what lies ahead for long-term investments. Recent fluctuations in the 10-year Treasury yield have attracted attention as markets respond to inflation, employment data, and expectations for future interest rate changes. Although the Federal Reserve influences short-term borrowing costs, longer-term Treasury yields are shaped by broader economic conditions and investor demand. Putting Higher Interest Rates Into Perspective Today’s Treasury yields may seem unusually high compared with the low-rate environment investors experienced over the past decade. However, historical trends tell a different story. During the 1990s, 10-year Treasury yields frequently ranged between 4% and 6%, yet the economy and stock market experienced periods of strong growth. This serves as a reminder that higher interest rates do not automatically prevent positive investment returns. New Opportunities for Bond Investors Higher Treasury yields may also create opportunities, particularly for investors seeking income. With yields reaching levels not seen in many years, fixed-income investments may offer more attractive income potential. Bonds could also regain some of their traditional role in helping balance portfolios during periods of stock market volatility. Looking Beyond the Fed Inflation, economic growth, and corporate earnings remain important factors in determining market direction. While upcoming Federal Reserve decisions may influence short-term market movements, maintaining a broader investment perspective can help investors evaluate opportunities and risks. For long-term investors, understanding Treasury yields and overall economic conditions may prove more valuable than trying to anticipate every interest rate announcement. Source: LPL Research, October 28, 2026. Based on commentary by Chris Fasciano, Chief Market Strategist at Commonwealth. [...] Read more...
November 5, 2026Where Are Americans Earning the Most? Average hourly earnings continue to rise across the United States, but where you work can make a significant difference in how much you earn. According to data from the U.S. Bureau of Labor Statistics, average hourly earnings for private-sector workers reached $37.79 in August 2026, an increase of nearly 8% compared to 2024. Washington, D.C., led the nation with average hourly earnings of $58.70. Among the 50 states, Washington ranked highest at $43.93, followed by Massachusetts ($43.38) and California ($42.54). These areas benefit from a strong presence of higher-paying industries, including technology, finance, and professional services. At the other end of the spectrum, Mississippi reported the lowest average hourly earnings at $29.52, followed by Arkansas ($30.05) and West Virginia ($30.33). Higher Earnings Don’t Always Mean More Purchasing Power Although wages tend to be higher in the Northeast and West, living expenses and taxes can significantly affect how far those earnings go. For example, Minnesota averaged $39.67 per hour, above the national average, while Florida and Texas each averaged $36.37. While earnings have increased nationwide, inflation has reduced some of the benefit of those gains. Housing costs, state taxes, and everyday expenses all play a role in determining workers’ actual purchasing power. The takeaway: Where Americans earn the most isn’t necessarily where their money goes the furthest. Looking beyond wages to consider the cost of living, taxes, and inflation provides a more complete picture of financial well-being. Source: Visual Capitalist, “Mapped: Average Salary by State in 2026,” November 2, 2026. Data: U.S. Bureau of Labor Statistics, August 2026. [...] Read more...
November 3, 2026Fed on hold In a 10-2 board vote, the U.S. Federal Reserve kept its benchmark rate unchanged, opting to hold steady following a September vote in which the Fed lifted the rate for the first time since 2023. As for the next policy meeting, Friday’s trading in rate futures markets implied a roughly 73% probability that the Fed will approve another quarter-point rate hike on December 9, versus a 27% probability of keeping rates unchanged, according to CME FedWatch.   Earnings upgrade With earnings season more than halfway over, full-season expectations rose modestly even as big technology companies reported mixed results. As of Friday, analysts projected that third-quarter earnings for companies in the S&P 500 rose 30.2%, up from a forecast of 29.5% the previous week, according to FactSet. Such an outcome would mark the third consecutive quarter of earnings growth exceeding 25%.   GDP momentum The U.S. government’s initial estimate of third-quarter GDP delivered a positive surprise, with growth estimated at an annual rate of 3.4% versus economists’ consensus estimate of 3.1%. The growth figure also marked an increase from the second quarter’s 2.2% GDP number.   Jobs ahead A monthly labor market report due out on Friday will show whether September’s sluggish jobs growth extended into October. September’s report showed a monthly gain of 29,000 jobs—well below consensus expectations—and initial estimates for the previous two months were adjusted downward by a combined 60,000 jobs. September’s unemployment rate was 4.2%, up from 4.1% in August.   Read Full Article: https://www.jhinvestments.com/weekly-market-recap#market-moving-news [...] Read more...
October 30, 2026How the 50 States Generate Their Tax Revenue Key Takeaways Property taxes are the largest individual tax category in 25 states, including Florida, Texas, and New York. Washington collects nearly half of its combined state and local tax revenue from general sales and gross receipts taxes. Delaware stands out for license taxes, reflecting its role as a legal home for businesses. From paychecks and purchases to homes and businesses, states rely on different combinations of taxes to fund public services. This graphic breaks down combined state and local tax revenue across all 50 states using 2024 government finance data from the U.S. Census Bureau. The percentages show each category’s share of tax collections, excluding federal taxes and funding such as federal grants. Property Taxes Lead in Half the Country Property taxes are the largest revenue source in half of U.S. states, with particularly high shares in New Hampshire (64.3%), Alaska (42.4%), and Texas (41.1%). General sales and gross receipts taxes lead in 16 states, while individual income taxes top the list in seven. The country’s largest states illustrate these differences. Individual income taxes dominate in California, while property taxes narrowly exceed general sales taxes in Florida and individual income taxes in New York. State Biggest Revenue Source in 2024 Share of Total Tax Revenue Alabama General sales taxes 32.3% Alaska Property taxes 42.4% Arizona General sales taxes 46.9% Arkansas General sales taxes 42.5% California Individual income taxes 30.7% Colorado Property taxes 33.6% Connecticut Property taxes 34.9% Delaware License taxes 33.0% Florida Property taxes 37.4% Georgia Property taxes 31.6% Hawaii General sales taxes 35.9% Idaho General sales taxes 28.5% Illinois Property taxes 33.4% Indiana General sales taxes 28.4% Iowa Property taxes 32.9% Kansas Property taxes 30.1% Kentucky Individual income taxes 28.0% Louisiana General sales taxes 39.1% Maine Property taxes 39.6% Maryland Individual income taxes 35.6% Showing 1 to 20 Including local governments makes a substantial difference. In Texas, for example, property taxes are collected by local tax authorities and support services such as schools, roads, and fire protection, even though the state government itself levies no property tax. These shares describe how governments raise money, rather than how much an individual household owes. A large property-tax share can reflect limited collections from other taxes as well as substantial property-tax revenue. How States Fund Services Without Taxing Wages Florida collects no individual income tax revenue, with property and general sales taxes together supplying about three-quarters of state and local tax collections. In Texas, those two categories account for nearly 79%, highlighting both states’ reliance on property and consumption taxes. New Hampshire takes that pattern further: property taxes generated 64.3% of tax revenue, the highest share nationwide. The state has no general sales tax and does not tax wages. Its small individual income tax share in 2024 reflects the interest and dividends tax, which was repealed effective in 2025. Sales-related collections also extend beyond the checkout counter. General sales taxes include taxes on business gross receipts, while selective sales taxes apply to particular products or activities, such as fuel, tobacco, and utilities. This helps explain why a state’s revenue mix can look different from the taxes shoppers encounter directly. Delaware and North Dakota: The Outliers Delaware’s largest revenue source is license taxes, accounting for roughly one-third of collections. This category includes corporate franchise licenses and related charges, giving it a much broader meaning than driver’s licenses or hunting permits. That revenue source connects to Delaware’s position in corporate America. In 2024, the state was the legal home of more than two million business entities and about two-thirds of Fortune 500 companies. Incorporation generates public revenue from businesses whose operations extend far beyond Delaware’s borders. North Dakota’s unusual mix reflects another economic advantage: natural resources. “Other taxes,” which include severance taxes on resource extraction, supplied 40.7% of collections. The state levies taxes on oil and gas production and oil extraction, linking part of its public finances to the value of energy produced within its borders. Read Full Article: https://www.visualcapitalist.com/where-each-states-tax-revenue-comes-from/ [...] Read more...

Funds

Enhanced GrowthGrowthModerateConservative/ModerateConservativeVery Conservative
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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