# EDGAR Filing Document

**Accession Number:** 0002110516
**File Stem:** 0002085853-26-000261
**Filing Date:** 2026-2
**Character Count:** 9371
**Document Hash:** 97ecc5cef1232c8cc5b0260a547a738b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002085853-26-000261.hdr.sgml**: 20260212

**ACCESSION NUMBER**: 0002085853-26-000261

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260212

**DATE AS OF CHANGE**: 20260212

**EFFECTIVENESS DATE**: 20260212

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Retirement Management Systems Inc.
- **CENTRAL INDEX KEY:** 0002110516

**ORGANIZATION NAME:**
- **EIN:** 611550748
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-26289
- **FILM NUMBER:** 26627520

**BUSINESS ADDRESS:**
- **STREET 1:** 41615 PARK AVENUE
- **CITY:** LEONARDTOWN
- **STATE:** MD
- **ZIP:** 20650
- **BUSINESS PHONE:** (301) 327-5312

**MAIL ADDRESS:**
- **STREET 1:** 721 MAIN STREET
- **STREET 2:** SUITE 100
- **CITY:** STEVENSVILLE
- **STATE:** MD
- **ZIP:** 21666

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** Retirement Management Systems Inc.<br>**Address:** 721 MAIN STREET<br>SUITE 100<br>STEVENSVILLE, MD 21666

**Form 13F File Number:** 028-26289

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:** Joseph Michael Scarborough<br>**Title:** Chief Compliance Officer<br>**Phone:** 888-870-7674

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

/s/ Joseph Michael Scarborough  Stevensville, MD  02-12-2026<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:** 54

**Form 13F Information Table Value Total:** $390706812

      (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 |
| AMERICAN CENTY ETF TR | QUALITY DIVRSFED | 025072406 |  | 236100 | 19552 | SH |  | SOLE |  | 0 | 0 | 19552 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 1030065 | 13374 | SH |  | SOLE |  | 0 | 0 | 13374 |
| APPLE INC | COM | 037833100 |  | 350169 | 1288 | SH |  | SOLE |  | 0 | 0 | 1288 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 493602 | 982 | SH |  | SOLE |  | 0 | 0 | 982 |
| COLUMBIA ETF TR I | RESH ENHNC COR | 19761L706 |  | 16809304 | 411589 | SH |  | SOLE |  | 0 | 0 | 411589 |
| CURTISS WRIGHT CORP | COM | 231561101 |  | 374864 | 680 | SH |  | SOLE |  | 0 | 0 | 680 |
| FIDELITY COMWLTH TR | NASDAQ COMPSIT | 315912808 |  | 457000 | 5000 | SH |  | SOLE |  | 0 | 0 | 5000 |
| FIDELITY COVINGTON TRUST | MSCI UTILS INDEX | 316092865 |  | 7032799 | 127360 | SH |  | SOLE |  | 0 | 0 | 127360 |
| FIDELITY COVINGTON TRUST | ENHANCED MID | 31609A503 |  | 10845586 | 298119 | SH |  | SOLE |  | 0 | 0 | 298119 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 2709806 | 58858 | SH |  | SOLE |  | 0 | 0 | 58858 |
| FIRST TR EXCHNG TRADED FD VI | FT VEST LADDERED | 33740F755 |  | 429346 | 12532 | SH |  | SOLE |  | 0 | 0 | 12532 |
| FRANKLIN TEMPLETON ETF TR | FRANKLIN INDIA | 35473P769 |  | 317041 | 8216 | SH |  | SOLE |  | 0 | 0 | 8216 |
| HARTFORD FDS EXCHANGE TRADED | STRATEGIC INCOME | 41653L875 |  | 23152261 | 652544 | SH |  | SOLE |  | 0 | 0 | 652544 |
| INVESCO EXCH TRADED FD TR II | S INTL MOMNT | 46138E222 |  | 20289769 | 365121 | SH |  | SOLE |  | 0 | 0 | 365121 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 10174826 | 40229 | SH |  | SOLE |  | 0 | 0 | 40229 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 811776 | 1321 | SH |  | SOLE |  | 0 | 0 | 1321 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 512345 | 6312 | SH |  | SOLE |  | 0 | 0 | 6312 |
| ISHARES INC | MSCI WORLD ETF | 464286392 |  | 9709286 | 52265 | SH |  | SOLE |  | 0 | 0 | 52265 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 15957341 | 219556 | SH |  | SOLE |  | 0 | 0 | 219556 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 7618504 | 55634 | SH |  | SOLE |  | 0 | 0 | 55634 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 827797 | 8142 | SH |  | SOLE |  | 0 | 0 | 8142 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 3676327 | 7767 | SH |  | SOLE |  | 0 | 0 | 7767 |
| ISHARES TR | GLOBAL 100 ETF | 464287572 |  | 13828815 | 109172 | SH |  | SOLE |  | 0 | 0 | 109172 |
| ISHARES TR | MSCI INTL QUALTY | 46434V456 |  | 295973 | 6512 | SH |  | SOLE |  | 0 | 0 | 6512 |
| ISHARES TR | CORE S ETF | 464287200 |  | 4228463 | 6173 | SH |  | SOLE |  | 0 | 0 | 6173 |
| ISHARES TR | FALN ANGLS USD | 46435G474 |  | 496369 | 18182 | SH |  | SOLE |  | 0 | 0 | 18182 |
| ISHARES TR | CORE MSCI INTL | 46435G326 |  | 20102159 | 243722 | SH |  | SOLE |  | 0 | 0 | 243722 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 652125 | 6360 | SH |  | SOLE |  | 0 | 0 | 6360 |
| ISHARES TR | U.S. UTILITS ETF | 464287697 |  | 611109 | 5640 | SH |  | SOLE |  | 0 | 0 | 5640 |
| J P MORGAN EXCHANGE TRADED F | SMALL  MID CAP | 46641Q118 |  | 9412888 | 146208 | SH |  | SOLE |  | 0 | 0 | 146208 |
| JANUS DETROIT STR TR | HENDRSON AAA CL | 47103U845 |  | 6325345 | 125056 | SH |  | SOLE |  | 0 | 0 | 125056 |
| MORGAN STANLEY ETF TRUST | EATON VANCE TOTA | 61774R841 |  | 20033488 | 389000 | SH |  | SOLE |  | 0 | 0 | 389000 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1717479 | 9209 | SH |  | SOLE |  | 0 | 0 | 9209 |
| PIMCO ETF TR | 25YR+ ZERO U S | 72201R882 |  | 5899844 | 91826 | SH |  | SOLE |  | 0 | 0 | 91826 |
| PUTNAM ETF TRUST | FOCUSED LAR CAP | 746729300 |  | 13302275 | 291909 | SH |  | SOLE |  | 0 | 0 | 291909 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 5838158 | 220391 | SH |  | SOLE |  | 0 | 0 | 220391 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 858407 | 2166 | SH |  | SOLE |  | 0 | 0 | 2166 |
| SPDR INDEX SHS FDS | S EM MKT DIV | 78463X533 |  | 216879 | 5540 | SH |  | SOLE |  | 0 | 0 | 5540 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 16754807 | 24570 | SH |  | SOLE |  | 0 | 0 | 24570 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A201 |  | 225801 | 2397 | SH |  | SOLE |  | 0 | 0 | 2397 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 358521 | 4469 | SH |  | SOLE |  | 0 | 0 | 4469 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 10826431 | 190573 | SH |  | SOLE |  | 0 | 0 | 190573 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 35288872 | 330730 | SH |  | SOLE |  | 0 | 0 | 330730 |
| T ROWE PRICE ETF INC | FLOATING RATE | 87283Q883 |  | 4483320 | 87217 | SH |  | SOLE |  | 0 | 0 | 87217 |
| VANECK ETF TRUST | URANIUM AND NUCL | 92189F601 |  | 5492869 | 44226 | SH |  | SOLE |  | 0 | 0 | 44226 |
| VANECK ETF TRUST | SEMICONDUCTR ETF | 92189F676 |  | 8588049 | 23847 | SH |  | SOLE |  | 0 | 0 | 23847 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 21494942 | 276001 | SH |  | SOLE |  | 0 | 0 | 276001 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 7479144 | 25771 | SH |  | SOLE |  | 0 | 0 | 25771 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 6645029 | 25761 | SH |  | SOLE |  | 0 | 0 | 25761 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 1637121 | 19548 | SH |  | SOLE |  | 0 | 0 | 19548 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 16209251 | 114829 | SH |  | SOLE |  | 0 | 0 | 114829 |
| VENTAS INC | COM | 92276F100 |  | 4900329 | 63328 | SH |  | SOLE |  | 0 | 0 | 63328 |
| WELLTOWER INC | COM | 95040Q104 |  | 4881953 | 26302 | SH |  | SOLE |  | 0 | 0 | 26302 |
| WISDOMTREE TR | WISDOMTREE US VA | 97717W547 |  | 7804683 | 83651 | SH |  | SOLE |  | 0 | 0 | 83651 |

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