# Retirement Management Systems Inc.

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 2110516. Source: https://holderbook.com/funds/2110516-retirement-management-systems-inc/

- Reported value: $488.5M
- Positions: 55
- Weight of the ten largest: 53.3%
- Filed: 2026-07-21

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| SPDR SERIES TRUST | [SPYG](https://holderbook.com/stocks/SPYG/) | $37.3M | 313,160 | 7.6% | 3 |
| HARTFORD FDS EXCHANGE TRADED | [HFSI](https://holderbook.com/stocks/HFSI/) | $29.3M | 832,783 | 6.0% | 3 |
| MORGAN STANLEY ETF TRUST | [EVTR](https://holderbook.com/stocks/EVTR/) | $27.1M | 534,941 | 5.6% | 3 |
| VANGUARD BD INDEX FDS | [BIV](https://holderbook.com/stocks/BIV/) | $26.6M | 347,018 | 5.4% | 3 |
| INVESCO EXCH TRADED FD TR II | [IDMO](https://holderbook.com/stocks/IDMO/) | $26.3M | 435,488 | 5.4% | 3 |
| ISHARES TR | [IDEV](https://holderbook.com/stocks/IDEV/) | $25.8M | 290,113 | 5.3% | 3 |
| FIDELITY COVINGTON TRUST | [FMDE](https://holderbook.com/stocks/FMDE/) | $22.8M | 562,734 | 4.7% | 3 |
| PUTNAM ETF TRUST | [PVAL](https://holderbook.com/stocks/PVAL/) | $22.3M | 438,579 | 4.6% | 3 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $21.4M | 28,642 | 4.4% | 3 |
| COLUMBIA ETF TR I | [RECS](https://holderbook.com/stocks/RECS/) | $21.3M | 493,262 | 4.4% | 3 |
| VANGUARD WORLD FD | [MGV](https://holderbook.com/stocks/MGV/) | $19.7M | 120,323 | 4.0% | 3 |
| J P MORGAN EXCHANGE TRADED F | [JMEE](https://holderbook.com/stocks/JMEE/) | $17.8M | 228,395 | 3.6% | 3 |
| ISHARES TR | [IOO](https://holderbook.com/stocks/IOO/) | $16.9M | 123,827 | 3.5% | 3 |
| ISHARES INC | [EMXC](https://holderbook.com/stocks/EMXC/) | $13.8M | 135,011 | 2.8% | 3 |
| INVESCO EXCH TRADED FD TR II | [QQQM](https://holderbook.com/stocks/QQQM/) | $13.5M | 44,612 | 2.8% | 3 |
| AMERICAN CENTY ETF TR | [QINT](https://holderbook.com/stocks/QINT/) | $13.2M | 190,401 | 2.7% | 3 |
| VANECK ETF TRUST | [SMH](https://holderbook.com/stocks/SMH/) | $11.3M | 17,236 | 2.3% | 3 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $10.5M | 130,732 | 2.2% | 3 |
| EA SERIES TRUST | [FRDM](https://holderbook.com/stocks/FRDM/) | $10.2M | 139,632 | 2.1% | 2 |
| AMERICAN CENTY ETF TR | [AVDV](https://holderbook.com/stocks/AVDV/) | $9.3M | 90,488 | 1.9% | 1 |
| VANECK ETF TRUST | [NLR](https://holderbook.com/stocks/NLR/) | $9.2M | 78,894 | 1.9% | 3 |
| SPDR SERIES TRUST | [SPYV](https://holderbook.com/stocks/SPYV/) | $9.1M | 149,405 | 1.9% | 3 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $8.9M | 29,290 | 1.8% | 3 |
| ISHARES INC | [PICK](https://holderbook.com/stocks/PICK/) | $7.2M | 123,859 | 1.5% | 2 |
| JANUS DETROIT STR TR | [JAAA](https://holderbook.com/stocks/JAAA/) | $7.1M | 141,487 | 1.5% | 3 |
| SCHWAB STRATEGIC TR | [SCHP](https://holderbook.com/stocks/SCHP/) | $6.5M | 243,577 | 1.3% | 3 |
| T ROWE PRICE EXCHANGE-TRADED | [TFLR](https://holderbook.com/stocks/TFLR/) | $4.9M | 98,088 | 1.0% | 3 |
| WELLTOWER INC | [WELL](https://holderbook.com/stocks/WELL/) | $4.7M | 20,729 | 1.0% | 3 |
| VENTAS INC | [VTR](https://holderbook.com/stocks/VTR/) | $4.7M | 52,718 | 1.0% | 3 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $4.6M | 6,106 | 0.9% | 3 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $3.9M | 31,155 | 0.8% | 3 |
| ISHARES TR | [IGV](https://holderbook.com/stocks/IGV/) | $3.6M | 39,582 | 0.7% | 2 |
| PIMCO ETF TR | [ZROZ](https://holderbook.com/stocks/ZROZ/) | $3.0M | 46,622 | 0.6% | 3 |
| FIDELITY MERRIMACK STR TR | [FBND](https://holderbook.com/stocks/FBND/) | $2.7M | 59,799 | 0.6% | 3 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $1.8M | 9,184 | 0.4% | 3 |
| AMERICAN CENTY ETF TR | [AVEM](https://holderbook.com/stocks/AVEM/) | $1.3M | 13,214 | 0.3% | 3 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $880.7K | 1,196 | 0.2% | 3 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $827.0K | 2,245 | 0.2% | 3 |
| ISHARES TR | [TLH](https://holderbook.com/stocks/TLH/) | $788.1K | 7,854 | 0.2% | 3 |
| CURTISS WRIGHT CORP | [CW](https://holderbook.com/stocks/CW/) | $730.5K | 964 | 0.1% | 3 |
| ISHARES TR | [IDU](https://holderbook.com/stocks/IDU/) | $634.7K | 5,537 | 0.1% | 3 |
| ISHARES TR | [IUSV](https://holderbook.com/stocks/IUSV/) | $566.7K | 5,144 | 0.1% | 3 |
| SPDR SERIES TRUST | [SPYM](https://holderbook.com/stocks/SPYM/) | $555.7K | 6,323 | 0.1% | 3 |
| FIDELITY COMWLTH TR | [ONEQ](https://holderbook.com/stocks/ONEQ/) | $516.1K | 5,000 | 0.1% | 3 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $491.4K | 982 | 0.1% | 3 |
| ISHARES GOLD TR | [IAU](https://holderbook.com/stocks/IAU/) | $390.8K | 5,176 | 0.1% | 3 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $381.7K | 1,319 | 0.1% | 3 |
| T ROWE PRICE EXCHANGE-TRADED | [TBUX](https://holderbook.com/stocks/TBUX/) | $375.3K | 7,541 | 0.1% | 2 |
| ADVANCED MICRO DEVICES INC | [AMD](https://holderbook.com/stocks/AMD/) | $354.4K | 610 | 0.1% | 1 |
| ISHARES TR | [IQLT](https://holderbook.com/stocks/IQLT/) | $259.5K | 5,236 | 0.1% | 3 |
| INVESCO EXCH TRADED FD TR II | [SPMO](https://holderbook.com/stocks/SPMO/) | $222.9K | 1,380 | 0.0% | 1 |
| SPDR SERIES TRUST | [SPTM](https://holderbook.com/stocks/SPTM/) | $210.5K | 2,318 | 0.0% | 1 |
| GE AEROSPACE | [GE](https://holderbook.com/stocks/GE/) | $206.7K | 553 | 0.0% | 1 |
| FIRST TR EXCHNG TRADED FD VI | [BUFR](https://holderbook.com/stocks/BUFR/) | $204.0K | 5,584 | 0.0% | 3 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $200.3K | 292 | 0.0% | 1 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q2 2026 | +11.6% | +14.8% | -3.3% | 100% |
| Q1 2026 | -1.0% | -4.6% | +3.7% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $488.5M | 55 |
| Q1 2026 | $414.9M | 51 |
| Q4 2025 | $390.7M | 54 |