DREW K. HORTER, Founder and Chief Investment Strategist

With over 18 years of experience managing equity investments, Mr. Horter has developed critically important management criteria for mutual fund investments. Mr. Horter has extensive knowledge having held NASD Securities Licenses that includes the Series 6, 7, 22 and 63 over the past 25 years.

Horter Investment Management, LLC, founded in 1991 as a Registered Investment Adviser, manages assets on a fee basis for its clients. Horter Investment Management, LLC recognized the need for a comprehensive mutual fund computer model to analyze over 10,000 mutual funds. The PEAK Fund Management strategy is the result of over two years of diligent work and key analytical input.

Mr. Horter developed a mutual fund model that was "clearly focused" on the best interest of the client and not the lack of client focus that is sometimes reflected in the mutual fund industry today.

Each portfolio invests in top performing no load, low expense mutual funds. The portfolio participates in various asset classes such as large cap growth and value, mid cap growth and value, small cap growth and value, sector funds, international, funds, etc.

The portfolio approximates the same risk ("Beta") as the S&P 500. "Beta is a measure of a particular stock's volatility in relation to the entire stock market, or S&P 500. The Beta for the S&P 500 is 1.0. A stock with a Beta less than 1 means its generally less volatile, whereas a stock with a stock with a Beta greater than 1 is generally more volatile than the S&P 500, and therefore, has more risk.

The design and goal of PEAK Fund Management is to outperform 90% of all equity mutual funds with lower volatility. Horter Investment Management, LLC monitors these funds daily for performance, expenses, risk-rating, management turnover, unnecessary fund fees, sector opportunities, asset class re- balancing and other important investment criteria.

Mr. Horter believes that mutual funds need to be continuously monitored so that small investors are protected against sudden changes that can adversely effect their portfolio and financial future.


KIRK R. HORTER, Mutual Fund Analyst

Kirk R. Horter has been the Director of Operations since 1998. He has also been instrumental in developing the PEAK "client centric" mutual fund portfolio for Horter Investment Management, LLC. In addition to overseeing Trading, Account Reconciliation and ACAT Transfers, Kirk also analyzes the funds that meet the performance standards, risk tolerance, and fund management criteria that PEAK Fund Management mandates in it's managed portfolio.

Judy Helmes- Chief Compliance Officer/Controller - Ms. Helmes has worked in the field of Accounting and System Management for over 25 years. General responsibilities have included various aspects of business management. Her areas of concentration have been financial statements, general ledger, tax preparation, payroll, budgeting, advertising, insurance, inventory control, employee benefits, database maintenance, disaster recovery, software implementations and software/database conversions. Judy recently joined our management team after working 5+ years at Deloitte & Touche Investment Advisors as a Product Manager for Microsoft Access databases building and maintaining.

Lynn Martinson is the Client Service Manager for all PEAK Fund Management clients and provides assistance to new Investment Adviser Representatives with educational Email blasts, Training Manuals and a New Account Forms Manual.