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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
September 22, 2026Weekly Market Recap: Fed Raises Rates as Growth Stocks Outperform The Federal Reserve unanimously approved its first benchmark interest-rate increase since 2023. The decision represents a shift in monetary policy following the earlier cycle of rate increases used to address the sharp rise in inflation after the pandemic. Updated projections indicate that most Federal Reserve policymakers expect at least one additional quarter-percentage-point increase before year-end. Investors will continue watching inflation, employment and economic-growth data for clues about the timing of the Fed’s next move. U.S. Dollar Moves Higher The U.S. dollar strengthened following the Federal Reserve’s announcement, reaching its highest level relative to a basket of major currencies since late July. The dollar gained approximately 1.1% for the week, bringing its year-to-date increase to around 2.0%. Higher U.S. interest rates can make dollar-denominated assets more attractive to international investors, providing additional support for the currency. A stronger dollar may benefit American consumers purchasing imported goods or traveling internationally. However, it can also create challenges for U.S. companies that generate significant revenue overseas because foreign earnings may translate into fewer dollars. Short-Term Treasury Yields Rise Treasury yields generally moved higher as bond prices declined following the Fed’s decision. The largest increase occurred among shorter-term securities, which tend to respond more directly to changes in monetary policy. The 2-year Treasury yield ended the week at 4.76%, rising from 4.63% the previous Friday. The 10-year Treasury yield edged higher to 5.01%, while the 30-year yield finished slightly lower at 5.33%. The larger increase in short-term yields caused the yield curve to flatten. This movement reflects expectations that interest rates may remain elevated while investors continue assessing the longer-term outlook for inflation and economic growth. Growth Stocks Lead the Week Large-cap growth stocks outperformed their value-oriented counterparts by a considerable margin. The growth benchmark gained approximately 0.9% during the week, while the comparable value index declined about 1.1%. Growth companies can be sensitive to changing interest rates because much of their value is based on expectations for future earnings. Despite the week’s performance, value stocks continued to hold an advantage for the year. What Investors May Be Watching The Federal Reserve’s future decisions will likely depend on incoming economic data. Investors will be paying close attention to inflation readings, labor-market conditions, consumer spending and corporate earnings. With interest rates, Treasury yields and equity leadership continuing to shift, maintaining a diversified investment strategy may help investors remain focused on their long-term objectives rather than short-term market movements. Read Full Article: https://www.jhinvestments.com/weekly-market-recap#market-moving-news [...] Read more...
September 19, 2026What History Tells Us About Stocks After a Fed Rate Hike The Federal Reserve raised interest rates by a quarter percentage point in September, putting renewed attention on what higher rates could mean for the stock market. While every economic cycle is different, history can provide some perspective on how equities have behaved following the beginning of previous Federal Reserve tightening cycles. The First Few Months Can Be Bumpy Looking back at six Federal Reserve tightening cycles since 1994, the S&P 500 has often experienced some short-term weakness after the first rate increase. Historically, stocks tended to struggle during the first several months following an initial hike. On average, returns remained negative through approximately the first four months before improving around the five- to six-month mark. That pattern is worth noting because an interest-rate increase can initially create uncertainty for investors. Higher borrowing costs can affect businesses, consumers, corporate profits and market valuations. However, short-term volatility hasn’t necessarily translated into poor longer-term stock performance. The 12-Month Picture Has Often Been Stronger Across the six tightening cycles examined, the S&P 500 produced an average 12-month return of approximately 6.7% following the initial rate increase. The median return was even higher, at approximately 10.7%. Those averages include very different economic environments, which illustrates an important point: interest rates are only one factor influencing market performance. Economic growth, inflation, employment, corporate earnings and investor expectations can all play significant roles in determining how stocks respond. Not Every Rate-Hike Cycle Looks the Same Two historical periods demonstrate just how different the market’s reaction can be. In 2022, stocks faced a particularly difficult environment as inflation surged and the Federal Reserve aggressively raised interest rates. The S&P 500 experienced significant declines as investors weighed sharply higher borrowing costs and growing concerns about a potential recession. The late 1990s presented a much different story. Following an initial rate increase in 1997, stocks continued climbing amid strong economic growth and enthusiasm surrounding emerging internet technology. The S&P 500 ultimately posted a substantial gain during the following 12 months. Neither period provides a perfect roadmap for today’s market, but together they demonstrate why the economic environment surrounding a rate increase matters. Economic Fundamentals Remain Important A Federal Reserve rate hike doesn’t automatically signal trouble for stocks. Historically, markets have been better able to absorb higher rates when economic growth remained healthy and recession risks stayed contained. Conversely, tighter monetary policy can create greater challenges when higher rates coincide with deteriorating economic conditions. For investors, this means the direction of interest rates is only part of the picture. Employment trends, inflation, economic growth, corporate earnings and consumer activity may provide important clues about whether businesses and households can continue adapting to higher borrowing costs. Keeping Rate Moves in Perspective Periods surrounding Federal Reserve decisions can create additional market volatility, especially as investors adjust expectations about inflation and future monetary policy. History suggests that stocks may experience some turbulence following an initial rate increase, but past tightening cycles have also shown that markets can regain their footing as investors turn their attention back toward economic growth and corporate fundamentals. Rather than reacting to a single Federal Reserve decision, investors may benefit from keeping interest-rate changes within the context of their broader financial goals, investment strategy and time horizon. Past performance does not guarantee future results, and every market cycle presents its own set of opportunities and risks.   SOURCE: https://www.lpl.com/research/blog/how-stocks-performed-historically-after-initial-fed-rate-hikes.html [...] Read more...
September 16, 2026Where Utility Costs Are Highest Across the U.S. in 2026 Where you live can make a significant difference in what you pay to keep the lights on, heat or cool your home, and maintain basic household services. New 2026 data shows a wide gap in utility costs across the United States, with geography, energy sources, infrastructure, and regional fuel availability all playing a role. Hawaii Leads the Nation in Utility Costs Hawaii has the highest utility costs in the country, coming in approximately 83.5% above the national average. That puts the state well ahead of the next most expensive locations: Hawaii: 83.5% above the U.S. average Alaska: 48.4% above average Massachusetts: 43.9% above average California: 34.6% above average Connecticut: 26.5% above average Hawaii’s geographic isolation and reliance on imported fuel contribute significantly to its higher energy expenses. New England Stands Out One of the clearest regional patterns is in New England. Massachusetts, Connecticut, Maine, Rhode Island, New Hampshire, and Vermont all rank among the 10 most expensive states for utilities. Limited natural gas pipeline capacity and greater dependence on imported fuels can place additional pressure on energy prices throughout the region, particularly during periods of high demand. Where Utilities Cost Less At the other end of the spectrum, several Western states enjoy utility costs well below the national average. Idaho has the lowest utility cost index in the country, with costs approximately 26.6% below average. New Mexico, Montana, and Nevada also rank among the least expensive. Access to lower-cost energy sources can make a substantial difference. Hydroelectric power, for example, plays an important role in the energy mix of several Western states. Utility Costs Don’t Always Follow Overall Cost of Living An important takeaway from the data is that utility expenses do not necessarily move in tandem with a state’s overall cost of living. Texas is one example. While the state’s broader cost of living remains below the national average, its utility costs are slightly above average. Meanwhile, states such as Florida and Minnesota fall below the national average for utilities despite substantial differences in climate, population, and regional economics. For households and investors alike, this highlights the importance of looking beyond broad cost-of-living figures. Housing prices may receive much of the attention, but recurring expenses—including electricity, natural gas, and other utilities—can have a meaningful impact on household budgets over time. The Bigger Picture Utility costs are shaped by a complicated combination of geography, infrastructure, energy production, regulation, climate, and access to fuel. As energy markets and infrastructure continue to evolve, those differences may become increasingly important when evaluating household expenses and regional affordability. Source: Visual Capitalist, using Q1 2026 C2ER Cost of Living Index data via the Missouri Economic Research and Information Center.   Read Full Article: https://www.visualcapitalist.com/mapped-most-expensive-u-s-states-utilities-2026/ [...] Read more...
September 15, 2026Weekly Market Recap: Rising Yields, Inflation and the Fed in Focus Investors faced renewed pressure in the bond market last week as Treasury yields climbed sharply, inflation remained stubborn, and expectations increased for another Federal Reserve interest rate hike. Treasury Yields Push Higher Bond yields moved significantly higher to close out the week. The 10-year U.S. Treasury yield reached 4.97%, approaching the closely watched 5% level and marking its highest point since October 2023. Short- and long-term yields also climbed. The 2-year Treasury yield rose to 4.63%, while the 30-year Treasury reached 5.35%. Higher Treasury yields can affect borrowing costs throughout the economy, from mortgages and business loans to corporate financing. They can also create additional competition for stocks as investors evaluate the potential returns available from fixed-income investments. Inflation Remains Persistent Fresh inflation data added to concerns that price pressures may be proving difficult to bring under control. The Consumer Price Index showed that annual inflation remained at 3.4% in August, unchanged from the previous month and still above the Federal Reserve’s long-term 2% target. Wholesale inflation also increased during the month, reinforcing concerns that inflationary pressures remain present throughout the economy. Together, the reports strengthened expectations that the Federal Reserve may need to maintain a restrictive monetary policy stance—or potentially raise rates again—to continue its fight against inflation. Markets Prepare for the Fed Expectations for another Federal Reserve rate hike increased considerably following the latest inflation reports. By Friday, futures markets indicated an 88% probability of a quarter-percentage-point rate increase at the Fed’s September meeting, up from 59% just one week earlier. The rapid shift in expectations illustrates how closely investors are watching economic data for clues about the Fed’s next move. A higher-for-longer interest rate environment could continue influencing stock valuations, bond prices, borrowing costs and economic growth in the months ahead. Higher Rates Continue to Challenge Housing The housing market is also feeling the effects of elevated borrowing costs. Existing-home sales fell 2% in August compared with July and were 1.2% lower than a year earlier. Higher mortgage rates continue to create affordability challenges for many potential buyers. One encouraging development is an increase in the number of homes available for sale. Housing inventory surpassed 1.6 million homes in August for the first time since 2019, giving buyers somewhat more choice even as financing remains expensive. What Investors Are Watching The Federal Reserve remains at the center of the market outlook. Investors will be watching the Fed’s September decision closely for both the direction of interest rates and any indication of how policymakers view inflation, economic growth and future monetary policy. With Treasury yields near multiyear highs, inflation still above the Fed’s target and borrowing costs weighing on areas such as housing, markets could remain sensitive to economic data and changes in interest-rate expectations. For long-term investors, periods of changing interest rates are another reminder of the importance of maintaining a diversified strategy built around individual goals, time horizon and risk tolerance. Source: John Hancock Investment Management, Weekly Market Recap, week ended September 11, 2026.   Read Full Article: https://www.jhinvestments.com/weekly-market-recap#market-moving-news [...] Read more...

Funds

Enhanced GrowthGrowthModerateConservative/ModerateConservativeVery Conservative
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Fact Sheet
Fact Sheet
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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