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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 Aggressive 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
June 23, 2026How AI Is Transforming Workplace Decision-Making in 2026 Artificial intelligence continues to reshape how people work, but not always in the ways many expected. While early discussions about AI often focused on automating repetitive tasks, recent workplace trends suggest employees are increasingly turning to AI for something more strategic: helping them make better decisions. As organizations integrate AI into their daily operations, workers are using these tools to analyze information, evaluate options, and support critical thinking across a wide range of business functions. AI Is Becoming a Thinking Partner One of the most notable trends in workplace AI adoption is the growing use of AI for decision support. Employees are leveraging AI to review information, identify patterns, compare alternatives, and generate insights that help guide business decisions. Rather than simply replacing administrative work, AI is increasingly serving as a tool that enhances human judgment and accelerates problem-solving. This evolution reflects a broader shift in how organizations view artificial intelligence—not just as an automation solution, but as a resource for improving workplace productivity and decision quality. Common Ways Employees Use AI Today’s workforce is applying AI across a variety of tasks, including: Decision support and problem-solving Data analysis and interpretation Research and information gathering Creative brainstorming and idea generation Document creation and report drafting Quality reviews and compliance checks Work planning and project organization Team communication and collaboration Many employees now incorporate AI into multiple stages of their workday, making it a routine part of business operations rather than a specialized technology used only by technical teams. Why Documentation and Research Remain Important While decision-making has emerged as a leading use case, traditional productivity tasks continue to play a significant role. Employees frequently rely on AI to summarize meetings, organize notes, draft reports, conduct research, and locate information quickly. These capabilities help reduce the time spent searching for data and allow workers to focus more on higher-value activities. As AI tools become more integrated into workplace software platforms, documentation and information management are becoming faster and more efficient. Human Skills Still Matter Despite rapid advances in AI technology, many workplace activities remain deeply human. Tasks that depend on relationship-building, leadership, coaching, conflict resolution, and interpersonal communication still require emotional intelligence, empathy, and human judgment. While AI can assist with information and recommendations, people remain essential for managing complex relationships and organizational culture. This suggests the future workplace will likely combine AI-powered insights with uniquely human skills rather than replacing human expertise altogether. Looking Ahead The next phase of workplace AI appears to be less about replacing jobs and more about augmenting how people work. Organizations are discovering that AI can help employees process information faster, evaluate alternatives more effectively, and make informed decisions with greater confidence. As adoption continues to grow, businesses that successfully combine AI capabilities with human expertise may be better positioned to improve productivity, enhance decision-making, and adapt to an increasingly data-driven environment. AI is no longer just a tool for automating routine tasks. It is becoming a valuable partner in helping employees think, analyze, and perform at their best.   Read More: https://www.visualcapitalist.com/how-people-are-using-ai-at-work-in-2026/                     [...] Read more...
June 18, 2026Stock Market Outlook: Three Key Trends Investors Should Watch in the Second Half of 2026 Despite ongoing geopolitical tensions, inflation concerns, and fluctuating energy prices, global stock markets have continued to push higher throughout 2026. While headlines often focus on uncertainty, a closer look at market fundamentals reveals a more encouraging story. Strong corporate earnings, continued technological innovation, and expanding opportunities outside the United States are helping drive investor confidence. As we move into the second half of the year, several important themes are emerging that could shape market performance well beyond 2026. 1. Corporate Earnings Continue to Support Market Growth One of the most important drivers of stock market performance remains earnings growth. Companies across a variety of industries have continued to report strong revenue and profit growth despite economic challenges. While technology firms have captured much of the attention, positive earnings trends extend far beyond the tech sector. Financial institutions are benefiting from higher interest rates, healthcare companies continue to introduce innovative treatments and therapies, and energy producers are seeing support from elevated commodity prices. Strong earnings growth is also becoming increasingly global, with several international markets expected to deliver impressive profit expansion over the coming years. For investors, sustained earnings growth provides a solid foundation for long-term market performance regardless of short-term headlines. 2. Artificial Intelligence Is Reshaping Multiple Industries Artificial intelligence remains one of the most influential forces in today’s economy. Major technology companies continue investing heavily in data centers, cloud infrastructure, semiconductors, and advanced computing systems to support growing AI demand. These investments are creating opportunities throughout the supply chain, benefiting companies involved in chip manufacturing, networking equipment, software development, and digital infrastructure. However, AI’s impact extends well beyond technology. Industries such as healthcare, manufacturing, transportation, finance, and energy are increasingly adopting AI-powered solutions to improve efficiency, reduce costs, and create new products and services. As businesses continue integrating AI into their operations, the technology could become one of the most significant economic growth drivers of the next decade. 3. Global Opportunities Extend Beyond U.S. Markets While U.S. stocks remain a major focus for investors, attractive opportunities are emerging across international markets. Many companies outside the United States play critical roles in global technology, manufacturing, healthcare, aerospace, and industrial sectors. In some cases, these businesses offer strong earnings growth potential while trading at more attractive valuations than their U.S. counterparts. Developed and emerging markets have benefited from improving economic conditions, resilient corporate earnings, and favorable currency trends. Countries across Asia, Europe, and other regions continue producing industry leaders that serve global markets and contribute to innovation across multiple sectors. For investors seeking diversification, international equities may offer opportunities to participate in global growth while reducing dependence on any single market. The Physical Economy Is Also Benefiting Although artificial intelligence often dominates market discussions, traditional industries remain essential to economic growth. The expansion of data centers, power infrastructure, transportation networks, and manufacturing facilities is increasing demand for construction equipment, industrial materials, engineering services, and energy production. Companies involved in infrastructure development, industrial equipment manufacturing, and transportation continue to benefit from long-term investment trends. Additionally, many businesses in these sectors provide dividend income, offering investors a combination of growth potential and cash flow. What Investors Should Keep in Mind No investment environment is free of risk. Inflation remains elevated, energy prices can be volatile, and certain market sectors continue to trade at premium valuations. However, long-term investors often benefit from focusing on business fundamentals rather than short-term market noise. Strong corporate earnings, technological innovation, global diversification opportunities, and infrastructure investment continue to support a constructive outlook for the remainder of 2026. Maintaining a diversified portfolio and staying focused on long-term goals may help investors navigate uncertainty while positioning themselves for future opportunities. Read Full Article: https://www.capitalgroup.com/advisor/insights/articles/2026-midyear-stock-market-outlook.html [...] Read more...
June 17, 2026                                                        Which States Face the Greatest Health Care Cost Burden? Health care costs continue to be a significant financial concern for families across the United States. While medical expenses are rising nationwide, the impact on household budgets varies dramatically depending on where people live. A recent analysis comparing common health care expenses to median household income reveals that some states face a much heavier financial burden than others. The findings show that affordability is influenced not only by medical prices but also by local income levels. Understanding Health Care Affordability Health care affordability is often measured by comparing routine medical expenses to household income. Typical costs include doctor visits, dental care, vision care, and common prescription medications. When these expenses consume a larger percentage of monthly income, households may have fewer resources available for housing, food, transportation, savings, and other essential needs. The analysis highlights significant regional differences, with residents in some states spending nearly twice the share of their income on health care compared to residents in more affordable states. States Where Health Care Costs Take the Biggest Bite Several states stand out for having the highest health care cost burden relative to income. Alaska ranks among the most expensive states, with residents dedicating more than 10% of median household income toward selected health care expenses. Despite relatively strong household incomes, the state’s geographic challenges contribute to higher costs for staffing, transportation, medical supplies, and access to care. Other states with a high health care burden include: Oregon Maine Mississippi West Virginia New Mexico North Carolina Montana South Dakota Louisiana In many of these locations, health care expenses consume a significant portion of monthly household budgets, creating financial pressure for families. Why Income Matters as Much as Medical Prices One of the most important takeaways from the data is that health care affordability is not determined by prices alone. States with moderate medical costs can still rank poorly if household incomes are lower. Conversely, states with relatively high medical prices may appear more affordable when residents earn higher incomes. This relationship helps explain why some lower-income regions face greater affordability challenges even when health care services are not the most expensive in the nation. States with Lower Health Care Cost Burdens At the opposite end of the spectrum are states where health care expenses consume a smaller share of household income. States such as Utah, California, and Virginia rank among the more affordable locations when comparing medical expenses to income levels. In these states, stronger median household incomes help offset medical costs, reducing the overall financial burden on residents. The Bigger Picture As health care expenses continue to evolve, affordability remains a critical issue for households across the country. The differences between states demonstrate that both income growth and health care pricing play important roles in determining how manageable medical costs are for families. Understanding these regional trends can help policymakers, employers, and consumers make more informed decisions about health care access, budgeting, and financial planning. While the cost of care remains a nationwide concern, where you live can have a significant impact on how much of your income goes toward staying healthy.   Read Full Article: https://www.visualcapitalist.com/mapped-health-care-costs-share-of-income-by-state/   [...] Read more...
June 16, 2026Small-cap record A U.S. small-cap stock index outpaced its large-cap peers by a wide margin, climbing to a record high and extending small caps’ year-to-date performance leadership. The Russell 2000 Index finished around 4% higher for the week and was up 19% year to date.   Sentiment uptick A monthly gauge of U.S. consumer sentiment improved, snapping a string of three consecutive monthly declines amid elevated energy prices. The University of Michigan’s survey results released on Friday showed that sentiment rose to a preliminary June reading of 48.9 from a final May figure of 44.8.   Elevated inflation A Consumer Price Index report showed inflation running at 4.2% in May, the highest level in more than three years. Despite the rise in the annual rate, the month-to-month change eased slightly compared with April’s CPI figure, and inflation readings for non-energy categories were relatively stable. A separate report on wholesale prices showed a 6.5% annual rate for the Producer Price Index, the highest since November 2022.   Fed chair’s debut The two-day U.S. Federal Reserve meeting that’s scheduled to conclude on Wednesday will be the first session led by Kevin Warsh, who’s taking over as Fed chair after his nomination cleared Congress last month. While the Fed is expected to keep interest rates unchanged, Warsh’s post-meeting news conference and an updated policy statement could offer clues about current market expectations for a potential rate hike by year end.   Read More at: https://www.jhinvestments.com/weekly-market-recap#market-moving-news [...] Read more...

Funds

Aggressive 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