Q3 2026 13F · SEC CIK 1669662

Peak Financial Management, Inc.

Wealth managerFiled 2026-10-16 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $441.2M
Reported positions: 116
Top holdings a year, 3 yrs: +12.8%
Assets under management: $534.4M

Peak Financial Management, Inc. is a wealth manager that reported 116 positions worth $441.2M in its Q3 2026 13F, filed 2026-10-16. Its largest holdings were Vanguard Star Fds (VXUS, 11.7%), Vanguard Index Fds (VTI, 7.8%), Spdr Index Shs Fds (SPGM, 7.2%). A portfolio copying its top holdings returned 12.8% a year over the last 3 years, against 20.4% for the S&P 500.

Peak Financial Management, Inc. holdings largest 50 of 116 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Peak Financial Management, Inc. 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
VXUSVanguard Star Fds	11.7%	11.8%	605,468	+0.9%	$51.4M
VTIVanguard Index Fds	7.8%	7.8%	91,398	-0.4%	$34.2M
SPGMSpdr Index Shs Fds	7.2%	7.2%	367,153	+0.6%	$31.8M
RSPInvesco Exchange Traded Fd T	4.8%	4.8%	101,391	+2.3%	$21.1M
JPIBJ P Morgan Exchange Traded F	3.9%	4.0%	370,686	+3.7%	$17.3M
VOOVanguard Index Fds	3.8%	3.9%	24,159	-2.0%	$16.9M
SCHBSchwab Strategic Tr	3.4%	3.3%	515,518	+4.6%	$15.1M
SPEMSpdr Index Shs Fds	3.1%	3.1%	268,118	+1.5%	$13.9M
VCITVanguard Scottsdale Fds	3.1%	3.2%	173,415	+1.8%	$13.6M
SCHMSchwab Strategic Tr	3.1%	3.3%	396,042	+0.6%	$13.5M
NFLTEtfis Ser Tr I	3.0%	3.1%	601,115	+1.9%	$13.3M
RPVInvesco Exchange Traded Fd T	2.8%	2.8%	107,154	+0.9%	$12.3M
GLTRAbrdn Precious Metals Basket	2.7%	2.6%	64,451	+2.7%	$12.0M
SDCIUscf ETF Tr	2.7%	2.3%	383,617	+0.7%	$12.0M
AGGIshares Tr	2.7%	2.8%	126,565	+1.1%	$12.0M
FLXRTcw Flexible	2.7%	2.7%	313,345	+3.4%	$11.9M
SHYGIshares Tr	2.6%	2.6%	280,963	+3.5%	$11.6M
SCHZSchwab Strategic Tr	2.2%	2.3%	447,574	+5.6%	$9.9M
IJRIshares Tr	2.2%	2.4%	70,691	+0.6%	$9.6M
SCHPSchwab Strategic Tr	2.2%	2.2%	380,735	+3.6%	$9.6M
AAPLApple Inc	1.9%	1.7%	25,632	-0.9%	$8.5M
ACWIIshares Tr	1.5%	1.5%	42,529	+0.6%	$6.8M
USRTIshares Tr	1.5%	1.6%	106,395	+1.6%	$6.6M
SCHXSchwab Strategic Tr	1.1%	1.1%	167,149	-1.0%	$5.0M
SCHFSchwab Strategic Tr	1.0%	1.0%	162,900	-0.6%	$4.5M
NVDANvidia Corporation	1.0%	1.0%	19,388	-6.4%	$4.4M
IEFAIshares Tr	0.7%	0.7%	32,432	-0.1%	$3.1M
CEFSprott Asset Management LP	0.7%	0.7%	74,493	-0.5%	$3.1M
ITOTIshares Tr	0.6%	0.6%	16,505	+0.6%	$2.7M
IVVIshares Tr	0.6%	0.6%	3,326	-1.2%	$2.5M
DJPIpath Bloomberg Commodity Index Total Re	0.5%	0.5%	45,556	-0.1%	$2.3M
TIPIshares Tr	0.5%	0.5%	21,732	+1.5%	$2.3M
STIPIshares Tr	0.5%	0.5%	21,965	+0.1%	$2.2M
USFRWisdomtree Tr	0.5%	—	41,900	—	$2.1M
RSPHInvesco Exchange Traded Fd T	0.5%	0.4%	55,426	-0.8%	$2.1M
FMATFidelity Covington Trust	0.4%	0.4%	31,962	-3.0%	$1.8M
MSFTMicrosoft Corp	0.4%	0.3%	3,194	+6.1%	$1.6M
VEAVanguard Ftse Developed Markets Index Fu	0.3%	0.4%	21,056	-8.3%	$1.5M
RTXRtx Corporation	0.3%	0.3%	6,567	+0.2%	$1.2M
TOTLSsga Active ETF Tr	0.3%	0.3%	30,183	-7.0%	$1.1M
VTVVanguard Index Fds	0.3%	0.3%	5,096	+0.5%	$1.1M
VWOVanguard Intl Equity Index F	0.2%	0.2%	17,607	+0.4%	$1.0M
GOOGAlphabet Inc	0.2%	0.2%	3,009	-0.7%	$1.0M
GOOGLAlphabet Inc	0.2%	0.2%	2,657	+5.0%	$914K
RSPMInvesco Exchange Traded Fd T	0.2%	0.2%	24,517	-0.4%	$911K
DSIIshares Tr	0.2%	0.2%	6,166	-0.4%	$901K
SNDKSandisk Corp	0.2%	0.2%	514	+28.5%	$894K
AMDAdvanced Micro Devices Inc	0.2%	0.2%	1,449	+7.5%	$887K
ESGDiShares ESG Aware MSCI EAFE ETF	0.2%	0.2%	8,260	-0.4%	$851K
MUMicron Technology Inc	0.2%	0.2%	731	-8.7%	$779K

What Peak Financial Management, Inc. bought and sold in Q3 2026, against Q2 2026.

New positions

Q2 2026's filing was too long to tell new positions apart.

Share counts compared with the Q2 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: +16.1% /yr; S&P 500 +20.1%
3 years: +12.8% /yr; S&P 500 +20.4%
5 years: +4.7% /yr; S&P 500 +11.6%

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$441.2M	116
Q2 2026	$435.5M	114
Q1 2026	$393.9M	100
Q4 2025	$387.7M	98
Q3 2025	$378.3M	101
Q2 2025	$351.6M	95
Q1 2025	$333.9M	97
Q4 2024	$333.9M	96
Q3 2024	$340.6M	98
Q2 2024	$319.5M	94
Q1 2024	$315.5M	96
Q4 2023	$297.7M	85

Questions about Peak Financial Management, Inc.'s portfolio

What stocks does Peak Financial Management, Inc. own?

Peak Financial Management, Inc.'s latest 13F, for Q3 2026 and filed Oct 16, 2026, lists 116 positions worth $441.2M. The largest are Vanguard Star Fds (VXUS) at 11.7%, Vanguard Index Fds (VTI) at 7.8%, Spdr Index Shs Fds (SPGM) at 7.2%, Invesco Exchange Traded Fd T (RSP) at 4.8% and J P Morgan Exchange Traded F (JPIB) at 3.9%.

What did Peak Financial Management, Inc. buy last quarter?

In Q3 2026, Peak Financial Management, Inc. added Sandisk Corp (SNDK) (+28.5% shares), Advanced Micro Devices Inc (AMD) (+7.5% shares) and Microsoft Corp (MSFT) (+6.1% shares), compared with its Q2 2026 filing.

What did Peak Financial Management, Inc. sell last quarter?

In Q3 2026, Peak Financial Management, Inc. cut from its top 50 Ishares Tr (SUSA), Micron Technology Inc (MU) (-8.7% shares), Vanguard Ftse Developed Markets Index Fu (VEA) (-8.3% shares) and Ssga Active ETF Tr (TOTL) (-7.0% shares), compared with its Q2 2026 filing.

How has Peak Financial Management, Inc.'s portfolio performed?

A portfolio copying Peak Financial Management, Inc.'s 20 largest 13F holdings each quarter, from the day each filing was public, returned +12.8% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +16.1% against +20.1%. Over 5 years: +4.7% a year against +11.6%.

When is Peak Financial Management, Inc.'s next 13F filing due?

13F filings are due 45 days after each quarter ends. Peak Financial Management, Inc.'s filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.

How much money does Peak Financial Management, Inc. manage?

Peak Financial Management, Inc. reported $534.4M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $441.2M.