Jemma Financial Services

Jemma Financial Services, a registered investment adviser, was established in December 2024 and is based in Baltimore, MD. The firm, operating as Jemma Investment Advisors, LLC, has been providing investment advisory services since June 30, 2016, managing over $119 million on a discretionary basis and $26 million on a non-discretionary basis as of December 31, 2024. The firm offers portfolio management services tailored to clients' risk tolerance and investment objectives, with approximately 10 basic portfolio types ranging from conservative to aggressive. Jemma utilizes model portfolios consisting of Exchange Traded Funds (ETFs) and mutual funds, with adjustments made based on individual needs and portfolio size. The firm's investment strategies include long-term buy and hold approaches, with a focus on broad-based diversification across asset classes and management styles. Jemma charges fees based on a percentage of assets under management, with fees ranging from 1.50% for portfolios up to $99,999 to negotiable rates for portfolios over $1 million. The firm does not charge performance-based fees or engage in side-by-side management. Jemma acts as a fiduciary, providing continuous monitoring and periodic rebalancing of client portfolios. Clients have the option to place reasonable restrictions on their accounts, and the firm emphasizes transparency in reporting and client communication. Jemma does not offer standalone financial planning services but incorporates financial planning into its portfolio management services using the MoneyGuidePro tool. The firm's investment philosophy is based on managing at the model/discipline level, with a focus on risk management and client-centric service. Jemma does not have a minimum account size requirement and provides investment advisory services to various client types, including individuals, pension plans, charitable organizations, and corporations.