CIK: 0002110516
Total reported value
$414.9M
Reporting period: 2026-03-31 · Number of holdings: 51
Retirement Management Systems Inc. disclosed 51 holdings in its latest 13F filing for the period ending 2026-03-31, with total reported value of $414.9M and a quarterly turnover rate of 28.8%.
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Retirement Management Systems Inc.'s disclosed holdings carry a Herfindahl concentration index of 0.040 — mathematically equivalent to about 25 equally-sized positions, well below its 51 actual disclosed holdings. That gap points to a strategy built around a small core of high-conviction bets rather than broad diversification.
Position sizes are fairly uniform across the portfolio (a coefficient of variation of 1.02), suggesting a disciplined, rules-based approach to how much capital goes into each idea.
No strong tilt toward either adding to existing winners or initiating outsized new positions was observed in the latest reported quarter.
Sector classification currently covers about 2% of this portfolio's disclosed value; the remainder includes holdings (e.g. unmapped tickers, options, or other security types) not yet covered by our sector mapping.
Add QINT
+796.7% $11.2M
Trim URTH
-97.9% -$9.5M
Add FMDE
+77.6% $8.2M
Trim SPYG
-4.2% -$4.3M
Trim EMXC
-33.4% -$4.4M
Add PVAL
+41.0% $5.8M
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | SPYG | Ss Spdr P S&p 500 Growth ETF | ETF-Large Cap & Growth | 7.48% | -1.55% | -4.16% | |
| 2 | HFSI | Hartfor Strateg Income Etf-u | ETF-Other | 6.05% | +0.12% | +10.82% | |
| 3 | EVTR | Eaton Vance Total Return | ETF-Other | 5.75% | +0.62% | +20.77% | |
| 4 | BIV | Vanguard Intermediate-term B | ETF-Other | 5.57% | +0.07% | +8.40% | |
| 5 | IDEV | Ishares Core Msci Dev Mkts | ETF-Other | 5.40% | +0.25% | +9.92% | |
| 6 | IDMO | Invesco S&p International De | ETF-Other | 5.36% | +0.17% | +11.03% | |
| 7 | PVAL | Putnam Focused Lrg Cap Value | ETF-Other | 4.60% | +1.20% | +41.00% | |
| 8 | FMDE | Fidelity Enhanced Mid Cap Co | ETF-Other | 4.59% | +1.81% | +77.62% | |
| 9 | RECS | Columbia Resear Enh Cor ETF | ETF-Other | 4.33% | +0.03% | +11.96% | |
| 10 | SPY | Ss Spdr S&p 500 ETF Trust-us | ETF-Large Cap & Growth | 4.24% | -0.05% | +10.22% | |
| 11 | MGV | Vanguard Mega Cap Value ETF | ETF-Other | 3.96% | -0.19% | -1.30% | |
| 12 | JMEE | JPM Sma & Mid Cap En Eq Et-u | ETF-Other | 3.46% | +1.05% | +47.21% | |
| 13 | IOO | Ishares Global 100 ETF | ETF-Other | 3.45% | -0.09% | +8.46% | |
| 14 | EMXC | Ishares Msci Emr Mrk Ex Chna | ETF-Other | 2.77% | -1.31% | -33.36% | |
| 15 | QINT | American Century Qlty Diver | ETF-Other | 2.77% | +2.71% | +796.66% | |
| 16 | QQQM | Invesco Nasdaq 100 ETF | ETF-Tech | 2.61% | +0.01% | +13.47% | |
| 17 | SMH | Vaneck Semiconductor ETF | ETF-Other | 2.24% | +0.04% | +1.83% | |
| 18 | VO | Vanguard Mid-cap ETF | ETF-Other | 2.13% | +0.22% | +19.55% | |
| 19 | WTV | Wisdomtree U.s. Value Fund | ETF-Other | 2.06% | +0.06% | +8.10% | |
| 20 | FRDM | Freedom 100 Emeging Mrkt ETF | ETF-Other | 1.98% | +1.98% | NEW | |
| 21 | NLR | Vaneck Urani & Nuclr Etf-usd | ETF-Other | 1.97% | +0.56% | +38.93% | |
| 22 | SPYV | Ss Spdr P S&p 500 Value ETF | ETF-Large Cap & Growth | 1.92% | -0.85% | -25.94% | |
| 23 | VB | Vanguard Small-cap ETF | ETF-Other | 1.74% | +0.04% | +7.06% | |
| 24 | JAAA | Janus Henderson Aaa Clo ETF | ETF-Other | 1.62% | — | +6.44% | |
| 25 | PICK | Ishares Msci Global Metals & | ETF-Other | 1.59% | +1.59% | NEW | |
| 26 | SCHP | Schwab U.s. Tips ETF | ETF-Other | 1.45% | -0.04% | +2.92% | |
| 27 | TFLR | T Rowe Price Floating Rt ETF | ETF-Other | 1.10% | -0.05% | +3.74% | |
| 28 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 0.95% | -0.13% | -2.69% | |
| 29 | WELL | Welltower INC | Stock-Real Estate | 0.87% | -0.38% | -30.78% | |
| 30 | VTR | Ventas INC | Stock-Real Estate | 0.87% | -0.38% | -30.55% | |
| 31 | IWF | Ishares Russell 1000 Growth | ETF-Other | 0.78% | -0.16% | -2.06% | |
| 32 | IGV | Ishares Expanded Tech-softwa | ETF-Tech | 0.66% | +0.66% | NEW | |
| 33 | FBND | Fidelity Total Bond ETF | ETF-Other | 0.64% | -0.05% | -1.23% | |
| 34 | ZROZ | Pimco 25+ Yr Zero Cpn US Tif | ETF-Other | 0.64% | -0.87% | -54.96% | |
| 35 | NVDA | Nvidia CORP | Stock-Tech | 0.39% | -0.05% | -0.27% | |
| 36 | AVEM | Avantis Emerging Markets Eq | ETF-Emerging Markets | 0.25% | — | -3.39% | |
| 37 | GLD | Spdr Gold Shares | ETF-Commodities | 0.23% | +0.01% | +0.97% | |
| 38 | TLH | Ishares 10-20 Year Treasury | ETF-Gov Bonds | 0.19% | — | -1.99% | |
| 39 | QQQ | Invesco Qqq Trust Series 1 | ETF-Tech | 0.16% | -0.05% | -10.30% | |
| 40 | IDU | Ishares US Utilities ETF | ETF-Other | 0.15% | — | -5.00% | |
| 41 | IUSV | Ishares Core S&p U.s. Value | ETF-Other | 0.14% | -0.03% | -9.91% | |
| 42 | SPYM | Ste Str Spdr Pt S&p 500 ETF | ETF-Large Cap & Growth | 0.11% | +0.02% | +37.91% | |
| 43 | IAU | Ishares Gold Trust | ETF-Commodities | 0.11% | -0.02% | -15.35% | |
| 44 | BRK-B | Berkshire Hathaway Inc-cl B | Stock-Other | 0.11% | — | — | |
| 45 | ONEQ | Fidelity Nasdaq Comp Indx | ETF-Tech | 0.10% | — | — | |
| 46 | CW | Curtiss-wright CORP | Stock-Industrials | 0.10% | — | -12.50% | |
| 47 | AAPL | Apple INC | Stock-Tech | 0.08% | — | +6.44% | |
| 48 | TBUX | T Rowe Price Ultra Short-ter | ETF-Other | 0.08% | +0.08% | NEW | |
| 49 | IQLT | Ishares Msci International Q | ETF-Other | 0.06% | — | -12.33% | |
| 50 | BUFR | Ft Vest Lad Buffervetf-usd I | ETF-Other | 0.06% | -0.05% | -40.67% |
Performance for Q3 2026
+1.7%
Performance Last 4 Quarters
+3.3%
Based on 5 months of available history
Based on 81% of reported portfolio value with available pricing
Retirement Management Systems Inc.'s most significant position changes for 2026-03-31: New buy: Freedom 100 Emeging Mrkt ETF (FRDM); Sold out: Ishares Russell Mid-cap Grow (IWP); Sold out: Fidelity Msci US Utilities (FUTY); New buy: Ishares Msci Global Metals & (PICK); New buy: Ishares Expanded Tech-softwa (IGV).
| Period | Filed | Type | EDGAR |
|---|---|---|---|
| 2026-03-31 | 2026-04-14 | 13F-HR | View on EDGAR |
| 2025-12-31 | 2026-02-12 | 13F-HR | View on EDGAR |
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