PEAK FINANCIAL MANAGEMENT, INC.

Filed: 1/23/2026ACC: 0001669662-26-000001

📋 What this filing means

PEAK FINANCIAL MANAGEMENT, INC. filed this quarterly 13F‑HR report disclosing 98 equity positions with a total reported market value of $387.75M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$387.75M

Total AUM (reported)

6.35M

Total Shares

Allocation by class

VG TL INTL STK F$44.91M11.6%

TOTAL STK MKT$31.21M8.0%

PORTFLI MSCI GBL$28.36M7.3%

COM$19.46M5.0%

S&P500 EQL WGT$17.64M4.6%

S&P 500 ETF SHS$16.85M4.3%

INTL BD OPP ETF$15.20M3.9%

Portfolio Concentration

Top 3$104.48M26.9%

4–10$101.90M26.3%

11–25$124.93M32.2%

Rest$56.44M14.6%

Top 3 weight

26.9%

Top 10 weight

53.2%

Voting Authority Distribution

Total shares with voting rights: 6.35M

Sole

Full voting authority

6.35M

% 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)

Sole98

Shared0

Other0

Dominant voting typeSole · 100.0% of voting shares

Institutional Holdings98

Rows:

VANGUARD STAR FDS

SOLE

VG TL INTL STK F

Shares595.25K

TypeSH

Market value$44.91M

11.58%

Sole

595.25K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

TOTAL STK MKT

Shares93.09K

TypeSH

Market value$31.21M

8.05%

Sole

93.09K

Shared

0.00

None

0.00

SPDR INDEX SHS FDS

SOLE

PORTFLI MSCI GBL

Shares369.70K

TypeSH

Market value$28.36M

7.31%

Sole

369.70K

Shared

0.00

None

0.00

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 EQL WGT

Shares92.10K

TypeSH

Market value$17.64M

4.55%

Sole

92.10K

Shared

0.00

None

0.00

VANGUARD INDEX FDS

SOLE

S&P 500 ETF SHS

Shares26.88K

TypeSH

Market value$16.85M

4.35%

Sole

26.88K

Shared

0.00

None

0.00

J P MORGAN EXCHANGE TRADED F

SOLE

INTL BD OPP ETF

Shares312.12K

TypeSH

Market value$15.20M

3.92%

Sole

312.12K

Shared

0.00

None

0.00

ABRDN PRECIOUS METALS BASKET

SOLE

PHYSCL PRECS MET

Shares72.39K

TypeSH

Market value$14.88M

3.84%

Sole

72.39K

Shared

0.00

None

0.00

VANGUARD SCOTTSDALE FDS

SOLE

INT-TERM CORP

Shares153.93K

TypeSH

Market value$12.89M

3.32%

Sole

153.93K

Shared

0.00

None

0.00

SCHWAB STRATEGIC TR

SOLE

US BRD MKT ETF

Shares467.40K

TypeSH

Market value$12.26M

3.16%

Sole

467.40K

Shared

0.00

None

0.00

SPDR INDEX SHS FDS

SOLE

PORTFOLIO EMG MK

Shares260.01K

TypeSH

Market value$12.17M

3.14%

Sole

260.01K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CORE US AGGBD ET

Shares118.40K

TypeSH

Market value$11.83M

3.05%

Sole

118.40K

Shared

0.00

None

0.00

SCHWAB STRATEGIC TR

SOLE

US MID-CAP ETF

Shares392.25K

TypeSH

Market value$11.79M

3.04%

Sole

392.25K

Shared

0.00

None

0.00

ETFIS SER TR I

SOLE

VIRTUS NEWFLEET

Shares511.51K

TypeSH

Market value$11.79M

3.04%

Sole

511.51K

Shared

0.00

None

0.00

INVESCO EXCHANGE TRADED FD T

SOLE

S&P500 PUR VAL

Shares103.11K

TypeSH

Market value$10.66M

2.75%

Sole

103.11K

Shared

0.00

None

0.00

ISHARES TR

SOLE

0-5YR HI YL CP

Shares248.19K

TypeSH

Market value$10.64M

2.74%

Sole

248.19K

Shared

0.00

None

0.00

TCW ETF TRUST

SOLE

FLEXIBLE INCOME

Shares230.92K

TypeSH

Market value$9.14M

2.36%

Sole

230.92K

Shared

0.00

None

0.00

SCHWAB STRATEGIC TR

SOLE

US TIPS ETF

Shares331.82K

TypeSH

Market value$8.79M

2.27%

Sole

331.82K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CORE S&P SCP ETF

Shares70.09K

TypeSH

Market value$8.42M

2.17%

Sole

70.09K

Shared

0.00

None

0.00

SCHWAB STRATEGIC TR

SOLE

US AGGREGATE B

Shares353.38K

TypeSH

Market value$8.26M

2.13%

Sole

353.38K

Shared

0.00

None

0.00

USCF ETF TR

SOLE

SUMMERHAVEN K1

Shares365.79K

TypeSH

Market value$8.06M

2.08%

Sole

365.79K

Shared

0.00

None

0.00

ISHARES TR

SOLE

MSCI ACWI ETF

Shares43.07K

TypeSH

Market value$6.09M

1.57%

Sole

43.07K

Shared

0.00

None

0.00

ISHARES TR

SOLE

CRE U S REIT ETF

Shares98.79K

TypeSH

Market value$5.63M

1.45%

Sole

98.79K

Shared

0.00

None

0.00

APPLE INC

SOLE

COM

Shares18.54K

TypeSH

Market value$5.04M

1.30%

Sole

18.54K

Shared

0.00

None

0.00

SCHWAB STRATEGIC TR

SOLE

US LRG CAP ETF

Shares173.80K

TypeSH

Market value$4.68M

1.21%

Sole

173.80K

Shared

0.00

None

0.00

NVIDIA CORPORATION

SOLE

COM

Shares22.04K

TypeSH

Market value$4.11M

1.06%

Sole

22.04K

Shared

0.00

None

0.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole
VANGUARD STAR FDSSOLE	VG TL INTL STK F	595.25K	SH	$44.91M 11.58%	595.25K
VANGUARD INDEX FDSSOLE	TOTAL STK MKT	93.09K	SH	$31.21M 8.05%	93.09K
SPDR INDEX SHS FDSSOLE	PORTFLI MSCI GBL	369.70K	SH	$28.36M 7.31%	369.70K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 EQL WGT	92.10K	SH	$17.64M 4.55%	92.10K
VANGUARD INDEX FDSSOLE	S&P 500 ETF SHS	26.88K	SH	$16.85M 4.35%	26.88K
J P MORGAN EXCHANGE TRADED FSOLE	INTL BD OPP ETF	312.12K	SH	$15.20M 3.92%	312.12K
ABRDN PRECIOUS METALS BASKETSOLE	PHYSCL PRECS MET	72.39K	SH	$14.88M 3.84%	72.39K
VANGUARD SCOTTSDALE FDSSOLE	INT-TERM CORP	153.93K	SH	$12.89M 3.32%	153.93K
SCHWAB STRATEGIC TRSOLE	US BRD MKT ETF	467.40K	SH	$12.26M 3.16%	467.40K
SPDR INDEX SHS FDSSOLE	PORTFOLIO EMG MK	260.01K	SH	$12.17M 3.14%	260.01K
ISHARES TRSOLE	CORE US AGGBD ET	118.40K	SH	$11.83M 3.05%	118.40K
SCHWAB STRATEGIC TRSOLE	US MID-CAP ETF	392.25K	SH	$11.79M 3.04%	392.25K
ETFIS SER TR ISOLE	VIRTUS NEWFLEET	511.51K	SH	$11.79M 3.04%	511.51K
INVESCO EXCHANGE TRADED FD TSOLE	S&P500 PUR VAL	103.11K	SH	$10.66M 2.75%	103.11K
ISHARES TRSOLE	0-5YR HI YL CP	248.19K	SH	$10.64M 2.74%	248.19K
TCW ETF TRUSTSOLE	FLEXIBLE INCOME	230.92K	SH	$9.14M 2.36%	230.92K
SCHWAB STRATEGIC TRSOLE	US TIPS ETF	331.82K	SH	$8.79M 2.27%	331.82K
ISHARES TRSOLE	CORE S&P SCP ETF	70.09K	SH	$8.42M 2.17%	70.09K
SCHWAB STRATEGIC TRSOLE	US AGGREGATE B	353.38K	SH	$8.26M 2.13%	353.38K
USCF ETF TRSOLE	SUMMERHAVEN K1	365.79K	SH	$8.06M 2.08%	365.79K
ISHARES TRSOLE	MSCI ACWI ETF	43.07K	SH	$6.09M 1.57%	43.07K
ISHARES TRSOLE	CRE U S REIT ETF	98.79K	SH	$5.63M 1.45%	98.79K
APPLE INCSOLE	COM	18.54K	SH	$5.04M 1.30%	18.54K
SCHWAB STRATEGIC TRSOLE	US LRG CAP ETF	173.80K	SH	$4.68M 1.21%	173.80K
NVIDIA CORPORATIONSOLE	COM	22.04K	SH	$4.11M 1.06%	22.04K

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