Summit Investment Management, Ltd.

Summit provides continuous discretionary asset management and related advisory services to individuals, retirement and profit‑sharing plans, foundations, trusts, charitable and religious organizations, partnerships and other investment advisers. Its service offering includes two tiers of full‑service management (Investment Management and Wealth Management Oversight), licensing of model portfolios to other advisers, and a wrap‑fee program.

The firm’s investment process focuses on macroeconomic factors — inflation, interest rates, fiscal policy and sector profitability — and combines proprietary equity strategies with mutual funds, ETFs and individual bonds to construct portfolios tailored to clients’ objectives and risk tolerances. Summit also offers portfolios designed to meet United States Conference of Catholic Bishops (USCCB) guidelines using research from an external consultant and licenses those model portfolios to others.

Distinctive features disclosed in the ADV include participation in a subscription‑based distribution channel (the Perfectna Echo‑Trading Platform, where Summit receives a portion of subscriber fees for its model portfolios) and its role as a wrap‑fee program sponsor that uses Goldman Sachs as the wrap account custodian and trade processor. The brochure also discloses past regulatory and dispute events, including a 2018 FINRA arbitration related to affiliated investment vehicles and a 2025 consent order with a state securities regulator that was resolved with civil penalties and disgorgement.