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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 8, 2026August Hiring Rebounds The U.S. labor market showed renewed strength in August, with employers adding 162,000 jobs during the month. That represented a significant improvement from July’s revised gain of 21,000 jobs and came in well above economists’ expectations. August also marked the strongest month for job creation in five months, while the unemployment rate remained unchanged at 4.1%. Strong Jobs Report Shifts Rate Expectations The stronger-than-anticipated employment report caused investors to reassess the outlook for interest rates ahead of the Federal Reserve’s September meeting. Following the jobs data, futures markets indicated approximately a 58% chance of a quarter-point rate increase, compared with a 42% probability that rates would remain unchanged. Prior to the employment report, expectations had been much more evenly divided. Stocks Finish August Higher Major U.S. stock indexes delivered positive results in August. The S&P 500 gained approximately 2.6% for the month, marking its fourth monthly advance in five months. The technology-heavy NASDAQ led the major indexes with a 3.9% increase, while the Dow Jones Industrial Average rose 1.3%. Inflation Data Takes Center Stage Investors will turn their attention to the upcoming Consumer Price Index report as the Federal Reserve prepares for its September 16 policy decision. The report will provide policymakers with another important look at inflation trends. The previous CPI reading showed annual inflation at 3.4% in July, easing slightly from 3.5% in June. Source: Manulife John Hancock Investments, Weekly Market Recap – Week Ended September 4, 2026. Read Full Article: https://www.jhinvestments.com/weekly-market-recap     [...] Read more...
September 4, 2026Bond Market in Focus as Debt and Treasury Yields Rise The bond market is drawing increased attention as rising U.S. government debt, higher Treasury yields and changes in Federal Reserve leadership create a new set of considerations for investors. U.S. public debt recently surpassed $40 trillion, bringing the nation’s fiscal outlook back into focus. While crossing that threshold is largely symbolic on its own, the continued growth of federal debt raises longer-term questions about government borrowing, interest costs and the potential impact on financial markets. Treasury Yields Move Higher Treasury yields have risen across maturities, from short-term securities through the 30-year Treasury bond. There isn’t one single factor behind the increase. Inflation concerns, tariffs, oil prices, corporate borrowing and increased Treasury financing needs may all be contributing. Higher government debt-service costs could also add pressure to longer-term rates. Of particular note, the 30-year Treasury yield has climbed to levels not seen since 2007. For investors, higher Treasury yields can have implications well beyond government bonds. Treasury rates influence borrowing costs throughout the economy and can affect corporate financing, mortgages and the relative attractiveness of stocks versus fixed-income investments. A Changing Federal Reserve Investors are also watching Federal Reserve Chair Kevin Warsh for clues about how monetary policy could evolve. Warsh has indicated that financial markets themselves can provide important signals for monetary policy. He has also expressed a preference for less forward guidance from the Fed, potentially placing greater emphasis on incoming economic data and the market’s response to that information. That could mean investors will need to pay even closer attention to inflation, employment, economic growth and bond-market movements when evaluating the future direction of interest rates. The size of the Federal Reserve’s balance sheet may also become an important part of the policy discussion as the central bank considers its longer-term approach. What Could Higher Rates Mean for Investors? Rising yields can create both risks and opportunities. Higher interest rates can pressure existing bond prices and increase borrowing costs for businesses and consumers. They can also influence equity valuations as investors compare potential stock-market returns with increasingly attractive yields available in fixed-income investments. At the same time, higher yields can provide greater income potential for investors seeking exposure to bonds. Despite uncertainty surrounding debt levels, inflation and monetary policy, the broader economic picture remains an important consideration. LPL’s analysis points to supportive economic and corporate fundamentals, improving earnings expectations and broader market leadership. For investors, the current environment reinforces the value of maintaining a diversified approach. Markets may continue to react to changes in interest rates and policy expectations, but keeping a long-term perspective can help investors navigate short-term volatility while remaining positioned for future opportunities. Source: LPL Research, The Bond Market Awaits Chairman Warsh’s Jackson Hole Speech, updated August 27, 2026. Read Full Article: https://www.lpl.com/research/blog/the-bond-market-awaits-chairman-warshs-jackson-hole-speech.html [...] Read more...
September 3, 2026Inside the $160 Trillion Global Debt Market The global debt securities market has reached an extraordinary scale. At the end of 2025, approximately $160.7 trillion in bonds and other tradable debt securities were outstanding worldwide, highlighting the important role fixed-income markets play in financing governments, financial institutions and corporations. The U.S. Remains the Global Leader The United States continues to dominate the global debt market, with approximately $61.2 trillion in outstanding debt securities. That represents roughly 38% of the worldwide total and is nearly twice the size of the European Union’s $31.1 trillion market. Importantly, the U.S. figure represents more than federal government debt. It also includes debt securities issued by financial institutions and nonfinancial corporations. The European Union accounts for approximately 19.4% of the global market, followed closely by China at 17.9%. Together, the U.S., EU and China represent more than three-quarters of the world’s outstanding debt securities. China’s Debt Market Continues to Expand One of the most notable long-term shifts has been the rapid expansion of China’s debt securities market. China had approximately $7.8 trillion in outstanding debt securities in 2015. By 2025, that figure had grown to $28.7 trillion — an increase of nearly four times in just a decade. China now has the second-largest individual-country debt securities market in the world and a market nearly three times the size of Japan’s $10.8 trillion. A Highly Concentrated Global Market Although debt securities are issued around the world, the market remains concentrated among a relatively small number of major economies. The U.S., European Union and China account for approximately 75% of the global market. Add Japan, and those four markets represent more than 82% of worldwide debt securities. There are signs, however, that the distribution is gradually changing. While the amount of outstanding U.S. debt securities increased during 2025, America’s share of the worldwide market declined from 40% to approximately 38%. Meanwhile, both China and the European Union increased their shares. What Could This Mean for Investors? The sheer size of the global debt market illustrates how deeply bonds and other fixed-income securities are connected to the global financial system. Changes in interest rates, inflation expectations, government borrowing, credit conditions and economic growth can all influence bond prices and yields. Because the largest debt markets are concentrated among a handful of major economies, monetary and fiscal policy decisions in the U.S., Europe and China can have implications well beyond their borders. For investors, understanding the changing composition of global debt markets can provide useful context when evaluating interest rates, credit conditions and opportunities across fixed-income markets. Source: Visual Capitalist, based on data from the Bank for International Settlements via SIFMA. Read Full Article: https://www.visualcapitalist.com/the-worlds-160-trillion-debt-market-in-one-chart/ [...] Read more...
September 2, 2026Baby steps The S&P 500, NASDAQ, and Dow posted fractional weekly gains, regaining ground from the previous week’s modest declines. Stocks traded in a narrow range for the third consecutive week following a four-day rally that began on July 30.   Shaky sentiment A monthly gauge of U.S. consumer sentiment fell amid continued worries about the inflation outlook. The University of Michigan reported on Friday that its Index of Consumer Sentiment fell to 51.7 in August, down from a 55.2 reading in July. Despite the decline, sentiment remains above the record low of 44.8 that was recorded three months earlier.   Hawkish Fed U.S. stock indexes wavered after U.S. Federal Reserve Chair Kevin Warsh emphasized inflation risks in a speech Friday morning at a symposium in Jackson Hole, Wyoming. With recent inflation readings remaining well above the Fed’s 2% target, Warsh said that the central bank “must be confident that underlying inflation is moving to our objective, clearly and at sufficient speed. Otherwise, we have work to do.”   Jobs ahead A monthly labor market report due out on Friday will show whether a recent weakening trend for the labor market extended into August. July’s report showed a decline of 23,000 jobs, and initial growth estimates for May and June were scaled back sharply. Factoring in the latest figures, the three-month average fell to 20,000 jobs created per month—a sharp turnaround from March, when the economy added 214,000.   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
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