PEAK FINANCIAL MANAGEMENT, INC.

Filed: 7/23/2025ACC: 0001085146-25-004089

📋 What this filing means

PEAK FINANCIAL MANAGEMENT, INC. filed this quarterly 13F‑HR report disclosing 95 equity positions with a total reported market value of $351.58M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$351.58M

Total AUM (reported)

6.02M

Total Shares

Allocation by class

VG TL INTL STK F$40.99M11.7%

TOTAL STK MKT$29.90M8.5%

PORTFLI MSCI GBL$25.77M7.3%

S&P 500 ETF SHS$16.98M4.8%

COM$16.27M4.6%

S&P500 EQL WGT$15.83M4.5%

INTL BD OPP ETF$14.03M4.0%

Portfolio Concentration

Top 3$96.66M27.5%

4–10$91.53M26.0%

11–25$106.24M30.2%

Rest$57.15M16.3%

Top 3 weight

27.5%

Top 10 weight

53.5%

Voting Authority Distribution

Total shares with voting rights: 6.02M

Sole

Full voting authority

6.02M

% of voting shares100.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

0.00

% of voting shares0.0%

Investment Discretion (by position count)

Sole95

Shared0

Other0

Dominant voting typeSole · 100.0% of voting shares

Institutional Holdings95

Rows:

VANGUARD STAR FDS

SOLE

VG TL INTL STK F

Shares593.24K

TypeSH

Market value$40.99M

11.66%

Sole

593.24K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares98.37K

TypeSH

Market value$29.90M

8.50%

Sole

98.37K

Shared

0.00

None

0.00

SPDR INDEX SHS FDS

SOLE

PORTFLI MSCI GBL

Shares373.49K

TypeSH

Market value$25.77M

7.33%

Sole

373.49K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares29.89K

TypeSH

Market value$16.98M

4.83%

Sole

29.89K

Shared

0.00

None

0.00

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 EQL WGT

Shares87.11K

TypeSH

Market value$15.83M

4.50%

Sole

87.11K

Shared

0.00

None

0.00

J P MORGAN EXCHANGE TRADED F

SOLE

INTL BD OPP ETF

Shares288.58K

TypeSH

Market value$14.03M

3.99%

Sole

288.58K

Shared

0.00

None

0.00

VANGUARD SCOTTSDALE FDS

SOLE

INT-TERM CORP

Shares143.09K

TypeSH

Market value$11.86M

3.37%

Sole

143.09K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CORE US AGGBD ET

Shares112.72K

TypeSH

Market value$11.18M

3.18%

Sole

112.72K

Shared

0.00

None

0.00

SPDR INDEX SHS FDS

SOLE

PORTFOLIO EMG MK

Shares253.60K

TypeSH

Market value$10.84M

3.08%

Sole

253.60K

Shared

0.00

None

0.00

SCHWAB STRATEGIC TR

SOLE

US BRD MKT ETF

Shares453.29K

TypeSH

Market value$10.80M

3.07%

Sole

453.29K

Shared

0.00

None

0.00

SCHWAB STRATEGIC TR

SOLE

US MID-CAP ETF

Shares384.71K

TypeSH

Market value$10.79M

3.07%

Sole

384.71K

Shared

0.00

None

0.00

ABRDN PRECIOUS METALS BASKET

SOLE

PHYSCL PRECS MET

Shares74.93K

TypeSH

Market value$10.35M

2.94%

Sole

74.93K

Shared

0.00

None

0.00

ISHARES TR

SOLE

0-5YR HI YL CP

Shares231.16K

TypeSH

Market value$9.97M

2.84%

Sole

231.16K

Shared

0.00

None

0.00

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 PUR VAL

Shares102.81K

TypeSH

Market value$9.64M

2.74%

Sole

102.81K

Shared

0.00

None

0.00

SCHWAB STRATEGIC TR

SOLE

US TIPS ETF

Shares350.68K

TypeSH

Market value$9.36M

2.66%

Sole

350.68K

Shared

0.00

None

0.00

SCHWAB STRATEGIC TR

SOLE

US AGGREGATE B

Shares324.05K

TypeSH

Market value$7.53M

2.14%

Sole

324.05K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares68.80K

TypeSH

Market value$7.52M

2.14%

Sole

68.80K

Shared

0.00

None

0.00

ETFIS SER TR I

SOLE

VIRTUS NEWFLEET

Shares302.67K

TypeSH

Market value$6.91M

1.97%

Sole

302.67K

Shared

0.00

None

0.00

ISHARES TR

SOLE

MSCI ACWI ETF

Shares45.30K

TypeSH

Market value$5.83M

1.66%

Sole

45.30K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CRE U S REIT ETF

Shares94.72K

TypeSH

Market value$5.36M

1.52%

Sole

94.72K

Shared

0.00

None

0.00

USCF ETF TR

SOLE

SUMMERHAVEN K1

Shares234.29K

TypeSH

Market value$5.07M

1.44%

Sole

234.29K

Shared

0.00

None

0.00

TCW ETF TRUST

SOLE

FLEXIBLE INCOME

Shares124.53K

TypeSH

Market value$4.91M

1.40%

Sole

124.53K

Shared

0.00

None

0.00

SCHWAB STRATEGIC TR

SOLE

US LRG CAP ETF

Shares196.74K

TypeSH

Market value$4.81M

1.37%

Sole

196.74K

Shared

0.00

None

0.00

APPLE INC

SOLE

COM

Shares20.69K

TypeSH

Market value$4.25M

1.21%

Sole

20.69K

Shared

0.00

None

0.00

NVIDIA CORPORATION

SOLE

COM

Shares24.99K

TypeSH

Market value$3.95M

1.12%

Sole

24.99K

Shared

0.00

None

0.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole
VANGUARD STAR FDSSOLE	VG TL INTL STK F	593.24K	SH	$40.99M 11.66%	593.24K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	98.37K	SH	$29.90M 8.50%	98.37K
SPDR INDEX SHS FDSSOLE	PORTFLI MSCI GBL	373.49K	SH	$25.77M 7.33%	373.49K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	29.89K	SH	$16.98M 4.83%	29.89K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 EQL WGT	87.11K	SH	$15.83M 4.50%	87.11K
J P MORGAN EXCHANGE TRADED FSOLE	INTL BD OPP ETF	288.58K	SH	$14.03M 3.99%	288.58K
VANGUARD SCOTTSDALE FDSSOLE	INT-TERM CORP	143.09K	SH	$11.86M 3.37%	143.09K
ISHARES TRSOLE	CORE US AGGBD ET	112.72K	SH	$11.18M 3.18%	112.72K
SPDR INDEX SHS FDSSOLE	PORTFOLIO EMG MK	253.60K	SH	$10.84M 3.08%	253.60K
SCHWAB STRATEGIC TRSOLE	US BRD MKT ETF	453.29K	SH	$10.80M 3.07%	453.29K
SCHWAB STRATEGIC TRSOLE	US MID-CAP ETF	384.71K	SH	$10.79M 3.07%	384.71K
ABRDN PRECIOUS METALS BASKETSOLE	PHYSCL PRECS MET	74.93K	SH	$10.35M 2.94%	74.93K
ISHARES TRSOLE	0-5YR HI YL CP	231.16K	SH	$9.97M 2.84%	231.16K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 PUR VAL	102.81K	SH	$9.64M 2.74%	102.81K
SCHWAB STRATEGIC TRSOLE	US TIPS ETF	350.68K	SH	$9.36M 2.66%	350.68K
SCHWAB STRATEGIC TRSOLE	US AGGREGATE B	324.05K	SH	$7.53M 2.14%	324.05K
ISHARES TRSOLE	CORE S&P SCP ETF	68.80K	SH	$7.52M 2.14%	68.80K
ETFIS SER TR ISOLE	VIRTUS NEWFLEET	302.67K	SH	$6.91M 1.97%	302.67K
ISHARES TRSOLE	MSCI ACWI ETF	45.30K	SH	$5.83M 1.66%	45.30K
ISHARES TRSOLE	CRE U S REIT ETF	94.72K	SH	$5.36M 1.52%	94.72K
USCF ETF TRSOLE	SUMMERHAVEN K1	234.29K	SH	$5.07M 1.44%	234.29K
TCW ETF TRUSTSOLE	FLEXIBLE INCOME	124.53K	SH	$4.91M 1.40%	124.53K
SCHWAB STRATEGIC TRSOLE	US LRG CAP ETF	196.74K	SH	$4.81M 1.37%	196.74K
APPLE INCSOLE	COM	20.69K	SH	$4.25M 1.21%	20.69K
NVIDIA CORPORATIONSOLE	COM	24.99K	SH	$3.95M 1.12%	24.99K

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