# Joseph Scarborough

> Joseph Scarborough is a fee-only financial advisor at Retirement Management Systems in Tampa, Florida. Retirement Management Systems reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/joseph-scarborough/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Retirement Management Systems
- **Based in:** Tampa, Florida
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $1.89B across 4,472 accounts
- **CRD:** 1011773 (https://adviserinfo.sec.gov/individual/summary/1011773)
- **SEC registration:** Investment adviser representative in FL, MD
- **Exams passed:** Series 63 (1981), Series 65 (1994)
- **Firm size:** 11 employees
- **Disclosures:** Reported; see the SEC record
- **Website:** http://www.manage401k.com

## Frequently asked questions

### Is Joseph Scarborough a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Joseph holds no broker registration, and Retirement Management Systems reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Joseph charge for financial advice?

Joseph's firm, Retirement Management Systems, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Joseph Scarborough based?

Joseph Scarborough is based in Tampa, Florida.

### Is Joseph Scarborough registered with the SEC?

Yes. Joseph Scarborough is registered as an investment adviser representative in FL and MD (CRD 1011773), per SEC Investment Adviser Public Disclosure data as of October 29, 2026. The record lists disclosures; see the SEC record for details.

### How much does Retirement Management Systems manage?

Retirement Management Systems reports $1.89B across 4,472 accounts in assets under management.

### How do I contact Joseph Scarborough?

Through Joseph's website, www.manage401k.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/1011773): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.