For the equity investment portion of a financial plan, the PEAK Fund Management portfolio could be an appropriate investment.

• PEAK consists of No Load Mutual Funds.
• PEAK seeks mutual funds that are highly rated funds by Morningstar, a third party mutual fund adviser.
• PEAK seeks mutual funds that have internal expenses less than the industry average of 1.7%.
• The PEAK Fund Management strategy generally requires that the funds in the portfolio out-perform the S&P 500 by at least 3% per year. The PEAK Fund Management strategy may also include funds in under-performing sectors that present favorable opportunities in terms of valuations or anticipated performance or growth.
• PEAK makes sure the Portfolio Manager that built the historical track record remains with the fund. The fund manager “is” the fund and if the management tenure has been compromised, the fund will be removed from the portfolio. Manager's tenure is critical.
• PEAK diversifies among several asset classes which may include:
  • Large cap value and growth
  • Mid cap value and growth
  • Small cap value and growth
  • International funds
  • Sector and “Specialty” funds that perform well based on the economic cycle (i.e. real estate, energy), low valuations, or specific country or region opportunities
• PEAK seeks those funds that have historically done well in an “up” stock market, a “down stock market" and a “sideways” stock market. There are no guarantees of future results.
• PEAK's performance includes the reinvestment of dividends and other earnings. Past performance is no guarantee of future results. Results may vary and investors can lose money.
• The PEAK Fund Management portfolio generally seeks mutual funds that have a composite Beta of approximately 1.1 to 1.2 for new assets. The Beta could be higher or lower after the assets are invested. The initial Beta or risk rating could be higher or lower for accounts less than $25,000. Beta is a measure of a specific investment's volatility in relation to the overall market. A Beta lower than 1.0 implies less volatility (and generally less risk) than the S&P 500, whereas a Beta greater than 1.0 implies more volatility (and generally more risk) than the S&P 500.
• PEAK utilizes several outside sources to help make portfolio decisions.
• PEAK is managed daily by Horter Investment Management, LLC, a SEC Registered Investment Adviser. Securities transactions for Horter Investment Management, LLC are placed through Pershing Advisor Solutions.