Business Details
16 Years
experience
Your Trusted Financial Advisers for Retirement Planning
Retirement Management Systems is a registered investment advisory firm specializing in managing employer-sponsored retirement savings plans. Since our spin-off in 2010 from a larger advisory firm, we have focused on providing expert investment management for 401(k), 403(b), and other defined-contribution plans. Our disciplined portfolio management process, developed over 30 years, combines Nobel prize-winning diversification principles with rigorous back-office operations to optimize client outcomes.We serve both individual investors and financial advisors nationwide, offering a proprietary asset allocation and rebalancing program designed to simplify retirement planning. Our team of experienced professionals, including CFPs and investment analysts, works collaboratively to construct diversified portfolios tailored to individual risk profiles while maintaining strict adherence to regulatory compliance and fiduciary standards.
Services
Investment Management
Retirement Planning
Portfolio Rebalancing
Financial Advisor Support
401(k) Management
Details
- Year established: 2010
Highlights and features
- We offer 30+ years of specialized expertise in retirement plan management
- Our proprietary asset allocation program is built on Nobel prize-winning principles
- Team includes CFP professionals and experienced investment analysts
- We implement quarterly portfolio rebalancing based on market conditions
- Transparent discretionary management approach with annual strategy reviews
Associations and certifications
- U.S. Securities and Exchange Commission
- Financial Industry Regulatory Authority (FINRA)
Services
Investment Management
Our investment management service specializes in optimizing retirement portfolios through strategic asset allocation. We employ Nobel prize-winning diversification principles to construct balanced portfolios tailored to individual risk profiles. Our team continuously monitors market conditions and implements quarterly rebalancing to maintain optimal asset distribution while aligning with long-term retirement goals.
Portfolio Rebalancing
Our portfolio rebalancing service maintains optimal investment distribution through systematic adjustments. The Investment Committee evaluates market conditions quarterly to determine necessary reallocations, ensuring portfolios stay aligned with stated objectives. This process helps manage risk while pursuing growth opportunities within employer-sponsored retirement plans like 401(k)s and 403(b)s.
Retirement Planning
Our retirement planning service focuses on creating comprehensive strategies for long-term financial security. We analyze individual risk tolerance, time horizons, and financial goals to develop customized plans. The service includes ongoing monitoring of market conditions and regular strategy reviews to ensure alignment with evolving retirement objectives and market dynamics.
Financial Advisor Support
We provide specialized support for financial advisors managing client retirement accounts. Our services include portfolio construction guidance, investment selection analysis, and implementation of discretionary management programs. Advisors gain access to proprietary tools and research to enhance their ability to serve clients with employer-sponsored retirement plans.
401(k) Management
Our 401(k) management service offers expert oversight of employer-sponsored retirement accounts. We implement customized asset allocation strategies within existing plan structures, maintaining compliance with regulatory requirements. The service includes ongoing portfolio monitoring, quarterly rebalancing, and annual strategy reviews to help maximize retirement savings potential while minimizing market risk exposure.
People
J. Michael Scarborough
President and CEO
Mike Scarborough founded Retirement Management Systems after building Scarborough Capital Management into a $1.3B firm. He has written three 401(k) books and received an honorary doctorate for public service. Active on Salisbury University's board, he created an endowment for student leadership development.
John M. Blamphin
CFP, AIF
John Blamphin brings 30+ years of financial services experience to RMS. A Certified Financial Planner and Accredited Investment Fiduciary, he previously worked with Valic Financial Advisors. He holds FINRA Series 6, 63, and 65 licenses and specializes in retirement plan advisory services.
Tyler Ostrowski
Investment Analyst
Tyler Ostrowski manages investment research and allocation models for 2,700+ accounts. With actuarial science expertise from Towson University, he developed trading strategies at the Chicago Board of Trade. He implements market analysis techniques to optimize portfolio performance for retirement accounts.
Kathleen Tesch
Account Administration Manager
Kathleen Tesch oversees account administration with over a decade of insurance industry experience. She manages client communications and account enrollment processes. Her background includes commercial insurance and property/casualty licensing, supporting seamless administration of retirement savings accounts.
Duane Bumbray Jr.
Account Administrator
Duane Bumbray provides client service and account administration support. A former federal government contractor, he brings technical expertise from HUD and SBA projects. He assists with client credentials management and maintains account information for RMS's discretionary investment programs.
Questions
How often do you rebalance retirement accounts?
We rebalance accounts quarterly based on market conditions and investment strategy requirements, typically implementing changes twice annually.
Will I be notified before account changes?
As discretionary managers, we don't notify clients before trades but maintain communication about overall strategy adjustments.
Can I keep company stock in my portfolio?
While we recommend limited company stock exposure, we can accommodate specific client requests to maintain designated percentages.
How long does account setup take?
Account establishment takes 7-10 business days after receiving completed documentation and investment selection information.
Can I access my account online?
Yes, you retain full online access to your account but should avoid making investment changes while enrolled in our service.
What happens with login credential changes?
Notify us immediately when changing account credentials to maintain uninterrupted monitoring and management capabilities.
