RETIREMENT MANAGEMENT SYSTEMS INC.

Filed: 2/12/2026ACC: 0002085853-26-000261

📋 What this filing means

RETIREMENT MANAGEMENT SYSTEMS INC. filed this quarterly 13F‑HR report disclosing 54 equity positions with a total reported market value of $390.71M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

Positions

$390.71M

Total AUM (reported)

5.39M

Total Shares

Allocation by class

STATE STREET SPD$46.70M12.0%

STRATEGIC INCOME$23.15M5.9%

INTERMED TERM$21.49M5.5%

S&P INTL MOMNT$20.29M5.2%

CORE MSCI INTL$20.10M5.1%

EATON VANCE TOTA$20.03M5.1%

RESH ENHNC COR$16.81M4.3%

Portfolio Concentration

Top 3$79.94M20.5%

4–10$126.16M32.3%

11–25$135.49M34.7%

Rest$49.12M12.6%

Top 3 weight

20.5%

Top 10 weight

52.7%

Voting Authority Distribution

Total shares with voting rights: 5.39M

Sole

Full voting authority

0.00

% of voting shares0.0%

Shared

Joint voting authority

0.00

% of voting shares0.0%

None

No voting authority

5.39M

% of voting shares100.0%

Investment Discretion (by position count)

Sole54

Shared0

Other0

Dominant voting typeNone · 100.0% of voting shares

Institutional Holdings54

Rows:

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares330.73K

TypeSH

Market value$35.29M

9.03%

Sole

0.00

Shared

0.00

None

330.73K

HARTFORD FDS EXCHANGE TRADED

SOLE

STRATEGIC INCOME

Shares652.54K

TypeSH

Market value$23.15M

5.93%

Sole

0.00

Shared

0.00

None

652.54K

VANGUARD BD INDEX FDS

SOLE

INTERMED TERM

Shares276K

TypeSH

Market value$21.49M

5.50%

Sole

0.00

Shared

0.00

None

276K

INVESCO EXCH TRADED FD TR II

SOLE

S&P INTL MOMNT

Shares365.12K

TypeSH

Market value$20.29M

5.19%

Sole

0.00

Shared

0.00

None

365.12K

ISHARES TR

SOLE

CORE MSCI INTL

Shares243.72K

TypeSH

Market value$20.10M

5.15%

Sole

0.00

Shared

0.00

None

243.72K

MORGAN STANLEY ETF TRUST

SOLE

EATON VANCE TOTA

Shares389K

TypeSH

Market value$20.03M

5.13%

Sole

0.00

Shared

0.00

None

389K

COLUMBIA ETF TR I

SOLE

RESH ENHNC COR

Shares411.59K

TypeSH

Market value$16.81M

4.30%

Sole

0.00

Shared

0.00

None

411.59K

SPDR S&P 500 ETF TR

SOLE

TR UNIT

Shares24.57K

TypeSH

Market value$16.75M

4.29%

Sole

0.00

Shared

0.00

None

24.57K

VANGUARD WORLD FD

SOLE

MEGA CAP VAL ETF

Shares114.83K

TypeSH

Market value$16.21M

4.15%

Sole

0.00

Shared

0.00

None

114.83K

ISHARES INC

SOLE

MSCI EMRG CHN

Shares219.56K

TypeSH

Market value$15.96M

4.08%

Sole

0.00

Shared

0.00

None

219.56K

ISHARES TR

SOLE

GLOBAL 100 ETF

Shares109.17K

TypeSH

Market value$13.83M

3.54%

Sole

0.00

Shared

0.00

None

109.17K

PUTNAM ETF TRUST

SOLE

FOCUSED LAR CAP

Shares291.91K

TypeSH

Market value$13.30M

3.40%

Sole

0.00

Shared

0.00

None

291.91K

FIDELITY COVINGTON TRUST

SOLE

ENHANCED MID

Shares298.12K

TypeSH

Market value$10.85M

2.78%

Sole

0.00

Shared

0.00

None

298.12K

SPDR SERIES TRUST

SOLE

STATE STREET SPD

Shares190.57K

TypeSH

Market value$10.83M

2.77%

Sole

0.00

Shared

0.00

None

190.57K

INVESCO EXCH TRADED FD TR II

SOLE

NASDAQ 100 ETF

Shares40.23K

TypeSH

Market value$10.17M

2.60%

Sole

0.00

Shared

0.00

None

40.23K

ISHARES INC

SOLE

MSCI WORLD ETF

Shares52.27K

TypeSH

Market value$9.71M

2.49%

Sole

0.00

Shared

0.00

None

52.27K

J P MORGAN EXCHANGE TRADED F

SOLE

SMALL & MID CAP

Shares146.21K

TypeSH

Market value$9.41M

2.41%

Sole

0.00

Shared

0.00

None

146.21K

VANECK ETF TRUST

SOLE

SEMICONDUCTR ETF

Shares23.85K

TypeSH

Market value$8.59M

2.20%

Sole

0.00

Shared

0.00

None

23.85K

WISDOMTREE TR

SOLE

WISDOMTREE US VA

Shares83.65K

TypeSH

Market value$7.80M

2.00%

Sole

0.00

Shared

0.00

None

83.65K

ISHARES TR

SOLE

RUS MD CP GR ETF

Shares55.63K

TypeSH

Market value$7.62M

1.95%

Sole

0.00

Shared

0.00

None

55.63K

VANGUARD INDEX FDS

SOLE

MID CAP ETF

Shares25.77K

TypeSH

Market value$7.48M

1.91%

Sole

0.00

Shared

0.00

None

25.77K

FIDELITY COVINGTON TRUST

SOLE

MSCI UTILS INDEX

Shares127.36K

TypeSH

Market value$7.03M

1.80%

Sole

0.00

Shared

0.00

None

127.36K

VANGUARD INDEX FDS

SOLE

SMALL CP ETF

Shares25.76K

TypeSH

Market value$6.65M

1.70%

Sole

0.00

Shared

0.00

None

25.76K

JANUS DETROIT STR TR

SOLE

HENDRSON AAA CL

Shares125.06K

TypeSH

Market value$6.33M

1.62%

Sole

0.00

Shared

0.00

None

125.06K

PIMCO ETF TR

SOLE

25YR+ ZERO U S

Shares91.83K

TypeSH

Market value$5.90M

1.51%

Sole

0.00

Shared

0.00

None

91.83K

Issuer	Class	Shares	Type	Value / Portfolio %	None
SPDR SERIES TRUSTSOLE	STATE STREET SPD	330.73K	SH	$35.29M 9.03%	330.73K
HARTFORD FDS EXCHANGE TRADEDSOLE	STRATEGIC INCOME	652.54K	SH	$23.15M 5.93%	652.54K
VANGUARD BD INDEX FDSSOLE	INTERMED TERM	276K	SH	$21.49M 5.50%	276K
INVESCO EXCH TRADED FD TR IISOLE	S&P INTL MOMNT	365.12K	SH	$20.29M 5.19%	365.12K
ISHARES TRSOLE	CORE MSCI INTL	243.72K	SH	$20.10M 5.15%	243.72K
MORGAN STANLEY ETF TRUSTSOLE	EATON VANCE TOTA	389K	SH	$20.03M 5.13%	389K
COLUMBIA ETF TR ISOLE	RESH ENHNC COR	411.59K	SH	$16.81M 4.30%	411.59K
SPDR S&P 500 ETF TRSOLE	TR UNIT	24.57K	SH	$16.75M 4.29%	24.57K
VANGUARD WORLD FDSOLE	MEGA CAP VAL ETF	114.83K	SH	$16.21M 4.15%	114.83K
ISHARES INCSOLE	MSCI EMRG CHN	219.56K	SH	$15.96M 4.08%	219.56K
ISHARES TRSOLE	GLOBAL 100 ETF	109.17K	SH	$13.83M 3.54%	109.17K
PUTNAM ETF TRUSTSOLE	FOCUSED LAR CAP	291.91K	SH	$13.30M 3.40%	291.91K
FIDELITY COVINGTON TRUSTSOLE	ENHANCED MID	298.12K	SH	$10.85M 2.78%	298.12K
SPDR SERIES TRUSTSOLE	STATE STREET SPD	190.57K	SH	$10.83M 2.77%	190.57K
INVESCO EXCH TRADED FD TR IISOLE	NASDAQ 100 ETF	40.23K	SH	$10.17M 2.60%	40.23K
ISHARES INCSOLE	MSCI WORLD ETF	52.27K	SH	$9.71M 2.49%	52.27K
J P MORGAN EXCHANGE TRADED FSOLE	SMALL & MID CAP	146.21K	SH	$9.41M 2.41%	146.21K
VANECK ETF TRUSTSOLE	SEMICONDUCTR ETF	23.85K	SH	$8.59M 2.20%	23.85K
WISDOMTREE TRSOLE	WISDOMTREE US VA	83.65K	SH	$7.80M 2.00%	83.65K
ISHARES TRSOLE	RUS MD CP GR ETF	55.63K	SH	$7.62M 1.95%	55.63K
VANGUARD INDEX FDSSOLE	MID CAP ETF	25.77K	SH	$7.48M 1.91%	25.77K
FIDELITY COVINGTON TRUSTSOLE	MSCI UTILS INDEX	127.36K	SH	$7.03M 1.80%	127.36K
VANGUARD INDEX FDSSOLE	SMALL CP ETF	25.76K	SH	$6.65M 1.70%	25.76K
JANUS DETROIT STR TRSOLE	HENDRSON AAA CL	125.06K	SH	$6.33M 1.62%	125.06K
PIMCO ETF TRSOLE	25YR+ ZERO U S	91.83K	SH	$5.90M 1.51%	91.83K

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