# EDGAR Filing Document

**Accession Number:** 0001669662
**File Stem:** 0001085146-23-000440
**Filing Date:** 2023-1
**Character Count:** 11820
**Document Hash:** a998bde5f3e7200bde28761d71cd67f7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-23-000440.hdr.sgml**: 20230130

**ACCESSION NUMBER**: 0001085146-23-000440

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230130

**DATE AS OF CHANGE**: 20230127

**EFFECTIVENESS DATE**: 20230130

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Peak Financial Management, Inc.
- **CENTRAL INDEX KEY:** 0001669662
- **IRS NUMBER:** 043127512
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-17408
- **FILM NUMBER:** 23564639

**BUSINESS ADDRESS:**
- **STREET 1:** 20 WILLIAM STREET
- **STREET 2:** SUITE 135
- **CITY:** WELLESLEY
- **STATE:** MA
- **ZIP:** 02481
- **BUSINESS PHONE:** 781-487-9500

**MAIL ADDRESS:**
- **STREET 1:** 20 WILLIAM STREET
- **STREET 2:** SUITE 135
- **CITY:** WELLESLEY
- **STATE:** MA
- **ZIP:** 02481

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Peak Financial Management Inc.<br>**Address:** 20 WILLIAM STREET<br>SUITE 135<br>WELLESLEY, MA 02481

**Form 13F File Number:** 028-17408

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Shaun Thompson<br>**Title:** Chief Compliance Officer<br>**Phone:** 781-487-9500

**Signature, Place, and Date of Signing:**

/s/ Shaun Thompson  Wellesley, MA  01-27-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 71

**Form 13F Information Table Value Total:** $254261776

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| 22ND CENTY GROUP INC | COM | 90137F103 | BBG001SQ4DP9 | 23933 | 26000 | SH |  | SOLE |  | 26000 | 0 | 0 |
| ABRDN PRECIOUS METALS BASKET | PHYSCL PRECS MET | 003263100 | BBG001T79CF8 | 6469086 | 72499 | SH |  | SOLE |  | 72499 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 580553 | 6580 | SH |  | SOLE |  | 6580 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 597597 | 6735 | SH |  | SOLE |  | 6735 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 444738 | 5295 | SH |  | SOLE |  | 5295 | 0 | 0 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 6767628 | 52087 | SH |  | SOLE |  | 52087 | 0 | 0 |
| BARCLAYS BANK PLC | DJUBS CMDT ETN36 | 06738C778 | BBG001SPJ625 | 1335961 | 39631 | SH |  | SOLE |  | 39631 | 0 | 0 |
| BOSTON SCIENTIFIC CORP | COM | 101137107 | BBG001S63L94 | 239540 | 5177 | SH |  | SOLE |  | 5177 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 208926 | 1164 | SH |  | SOLE |  | 1164 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 | BBG001S9KRQ7 | 267509 | 586 | SH |  | SOLE |  | 586 | 0 | 0 |
| FIDELITY COVINGTON TRUST | MSCI MATLS INDEX | 316092881 | BBG005FHWDJ0 | 6800122 | 155787 | SH |  | SOLE |  | 155787 | 0 | 0 |
| FIRST TR VALUE LINE DIVID IN | SHS | 33734H106 | BBG001SLWD88 | 271388 | 6800 | SH |  | SOLE |  | 6800 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | GBL SRT TRM HY | 46138E669 | BBG004Q00341 | 193876 | 10092 | SH |  | SOLE |  | 10092 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL HLT | 46137V332 | BBG00KJR2QH7 | 10379529 | 35982 | SH |  | SOLE |  | 35982 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL MAT | 46137V316 | BBG00KJR2SC8 | 1432164 | 9027 | SH |  | SOLE |  | 9027 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S PUR VAL | 46137V258 | BBG00KJR2X19 | 7690417 | 98620 | SH |  | SOLE |  | 98620 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 443622 | 1666 | SH |  | SOLE |  | 1666 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 | BBG003HC3DG9 | 583931 | 12504 | SH |  | SOLE |  | 12504 | 0 | 0 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 | BBG001TG5H89 | 495950 | 5115 | SH |  | SOLE |  | 5115 | 0 | 0 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 | BBG005DW06B7 | 7625353 | 186485 | SH |  | SOLE |  | 186485 | 0 | 0 |
| ISHARES TR | CORE LT USDB ETF | 464289479 | BBG001T5MKJ5 | 7988209 | 156867 | SH |  | SOLE |  | 156867 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 5112657 | 82944 | SH |  | SOLE |  | 82944 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 5732157 | 60568 | SH |  | SOLE |  | 60568 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 | BBG001SHTRL5 | 1388784 | 16377 | SH |  | SOLE |  | 16377 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 1090930 | 2839 | SH |  | SOLE |  | 2839 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 | BBG001SM1QT8 | 11228131 | 115766 | SH |  | SOLE |  | 115766 | 0 | 0 |
| ISHARES TR | EAFE SML CP ETF | 464288273 | BBG001SYVWS7 | 312275 | 5529 | SH |  | SOLE |  | 5529 | 0 | 0 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 | BBG00D7BBRS7 | 470096 | 7151 | SH |  | SOLE |  | 7151 | 0 | 0 |
| ISHARES TR | ESG AWR MSCI USA | 46435G425 | BBG00FFPFTS4 | 310694 | 3666 | SH |  | SOLE |  | 3666 | 0 | 0 |
| ISHARES TR | ESG AWRE USD ETF | 46435G193 | BBG00H4BH3F2 | 285274 | 12794 | SH |  | SOLE |  | 12794 | 0 | 0 |
| ISHARES TR | MSCI ACWI ETF | 464288257 | BBG001S56QV7 | 4128028 | 48634 | SH |  | SOLE |  | 48634 | 0 | 0 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 | BBG0025X2WP7 | 7016309 | 110345 | SH |  | SOLE |  | 110345 | 0 | 0 |
| ISHARES TR | MSCI KLD400 SOC | 464288570 | BBG001SRYH02 | 409921 | 5710 | SH |  | SOLE |  | 5710 | 0 | 0 |
| ISHARES TR | MSCI USA ESG SLC | 464288802 | BBG001SN86J4 | 319731 | 3884 | SH |  | SOLE |  | 3884 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 287542 | 2725 | SH |  | SOLE |  | 2725 | 0 | 0 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 | BBG001S561V2 | 221214 | 2100 | SH |  | SOLE |  | 2100 | 0 | 0 |
| ISHARES TR | TIPS BD ETF | 464287176 | BBG001SD9RM5 | 4267240 | 40091 | SH |  | SOLE |  | 40091 | 0 | 0 |
| ISHARES U S ETF TR | GSCI CMDTY STGY | 46431W853 | BBG0079TF237 | 4999097 | 177336 | SH |  | SOLE |  | 177336 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 290438 | 1644 | SH |  | SOLE |  | 1644 | 0 | 0 |
| LEMAITRE VASCULAR INC | COM | 525558201 | BBG001SK6CX3 | 223887 | 4865 | SH |  | SOLE |  | 4865 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 1025080 | 4274 | SH |  | SOLE |  | 4274 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 441489 | 3021 | SH |  | SOLE |  | 3021 | 0 | 0 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 | BBG002N12C17 | 219872 | 2430 | SH |  | SOLE |  | 2430 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 352222 | 2324 | SH |  | SOLE |  | 2324 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 | BBG001S5X5Q9 | 613135 | 6075 | SH |  | SOLE |  | 6075 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 | BBG001T6L7D9 | 1227289 | 51850 | SH |  | SOLE |  | 51850 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | BBG001T5XQY3 | 14687282 | 455985 | SH |  | SOLE |  | 455985 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 | BBG001T6L7C0 | 6559295 | 208430 | SH |  | SOLE |  | 208430 | 0 | 0 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 | BBG001WBMLH8 | 3546061 | 77679 | SH |  | SOLE |  | 77679 | 0 | 0 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | BBG001T5XQT9 | 4687496 | 104608 | SH |  | SOLE |  | 104608 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 3686506 | 81650 | SH |  | SOLE |  | 81650 | 0 | 0 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 | BBG001V036R6 | 8026468 | 122336 | SH |  | SOLE |  | 122336 | 0 | 0 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 | BBG001V039G2 | 563093 | 29191 | SH |  | SOLE |  | 29191 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | BBG001T5XQW5 | 237875 | 5872 | SH |  | SOLE |  | 5872 | 0 | 0 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 | BBG001T9F777 | 11272787 | 217663 | SH |  | SOLE |  | 217663 | 0 | 0 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 | BBG001S7T1S7 | 367112 | 4197 | SH |  | SOLE |  | 4197 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 | BBG001S7SCQ6 | 469090 | 3453 | SH |  | SOLE |  | 3453 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFLI MSCI GBL | 78463X475 | BBG002PKWK85 | 17355279 | 372191 | SH |  | SOLE |  | 372191 | 0 | 0 |
| SPDR SER TR | BLOOMBERG HIGH Y | 78468R622 | BBG001SQS7X7 | 216900 | 2410 | SH |  | SOLE |  | 2410 | 0 | 0 |
| SPDR SER TR | BLOOMBERG INTL T | 78464A516 | BBG001T05M47 | 5882791 | 262273 | SH |  | SOLE |  | 262273 | 0 | 0 |
| SPROTT PHYSICAL GOLD  SILVE | TR UNIT | 85208R101 | BBG00JPZ8T56 | 1472681 | 82135 | SH |  | SOLE |  | 82135 | 0 | 0 |
| SPROTT PHYSICAL GOLD TR | UNIT | 85207H104 | BBG001T66XM9 | 310200 | 22000 | SH |  | SOLE |  | 22000 | 0 | 0 |
| SSGA ACTIVE ETF TR | SPDR TR TACTIC | 78467V848 | BBG0084H8485 | 550190 | 13741 | SH |  | SOLE |  | 13741 | 0 | 0 |
| VANECK ETF TRUST | INTERNATIONAL HI | 92189F445 | BBG002VH3B23 | 7040614 | 357482 | SH |  | SOLE |  | 357482 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 | BBG001SMD2X3 | 3767582 | 45679 | SH |  | SOLE |  | 45679 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 13935821 | 39665 | SH |  | SOLE |  | 39665 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 20646636 | 107990 | SH |  | SOLE |  | 107990 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 657389 | 4683 | SH |  | SOLE |  | 4683 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 5716486 | 146652 | SH |  | SOLE |  | 146652 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 | BBG001T62M38 | 8445759 | 108963 | SH |  | SOLE |  | 108963 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 1346859 | 32091 | SH |  | SOLE |  | 32091 | 0 | 0 |

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