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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 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...
October 28, 2026Sub 5.00% yield The recent bond market sell-off continued to ease as the yield of the 10-year U.S. Treasury slipped below 5.00% on Thursday for the first time in about a month before inching higher and closing right at that threshold on Friday. As recently as October 5, the yield peaked around 5.34%, the highest in more than two decades.   Fed rate outlook Bond market trading supported expectations that the U.S. Federal Reserve is likely to hold steady on interest rates at the policy meeting scheduled to end on Wednesday. As of Friday afternoon, prices in rate futures markets implied a 90% probability that the Fed would keep its benchmark rate unchanged on October 28, according to CME FedWatch. However, the probability of a quarter-point rate hike at the Fed’s early December meeting was projected at more than 70%, with a 7% prospect of a steeper half-point increase.   Top-heavy earnings About a quarter of the way through earnings season, a handful of U.S. mega-cap technology stocks were expected to continue generating a disproportionate share of overall earnings growth, but to a lesser extent than in recent quarters. Analysts forecast that the group of stocks known as the Magnificent Seven would post average third-quarter growth of 33.2%, according to FactSet. In contrast, the other 493 companies in the S&P 500 were projected to produce 27.7% growth.   Busy week ahead In addition to more quarterly earnings reports and Wednesday’s conclusion of a U.S. Federal Reserve policy meeting, investors will assess an initial government estimate of third-quarter GDP growth on Thursday. Also on Thursday, investors will get an updated reading on monthly inflation, as measured by the Personal Consumption Expenditures Price Index.   Read Full Article: https://www.jhinvestments.com/weekly-market-recap#market-moving-news [...] Read more...
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...

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