# Jemma Financial Services

> Jemma Financial Services is an SEC-registered investment advisory firm in Baltimore, MD, registered since 2022, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated July 1, 2026.

- CRD: 284198
- Filed as: JEMMA FINANCIAL SERVICES
- Legal name: Jemma Investment Advisors LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Baltimore, MD
- Filing period: October 2026
- Form ADV filing dated: July 1, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/284198
- AdvisorCensus page: https://advisorcensus.com/firm/jemma-financial-services-baltimore-md-284198

## Quick answers

**How is Jemma Financial Services compensated?**
On its Form ADV (Item 5.E, October 2026), Jemma Financial Services reports these compensation arrangements: a percentage of assets under its management.

**How much does Jemma Financial Services charge?**
Its Form ADV Part 2A brochure dated July 1, 2026 states: $1 to $250,000: 1.5% a year; $250,000 to $500,000: 1.25% a year; $500,000 to $1,000,000: 1% a year; $1,000,000 to $2,000,000: 0.9% a year; $2,000,000 to $3,000,000: 0.75% a year; Above $3,000,000: see the brochure. Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Jemma Financial Services located?**
Jemma Financial Services' principal office is in Baltimore, MD, according to its Form ADV; the August 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Jemma Financial Services registered with the SEC or a state?**
Jemma Financial Services is an SEC-registered investment advisory firm, registered since 2022. Status as filed: Approved. CRD 284198.

**How much does Jemma Financial Services manage?**
Jemma Financial Services reports $139,832,219 in regulatory assets under management in its Form ADV filing dated July 1, 2026 (77% discretionary).

**How have Jemma Financial Services' assets and staff changed since 2023?**
In the Form ADV data for Jemma Financial Services: Regulatory assets under management: $46,248,290 in the October 2023 data and $139,832,219 in the October 2026 data, up 202%. Total employees: 6 in October 2023 and 5 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Jemma Financial Services serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (238); high net worth individuals (74); pension and profit sharing plans (but not the plan participants or government pension plans) (8).

**Does Jemma Financial Services report any disciplinary disclosures?**
Reports 2 disclosure items on Form ADV Item 11: yes answers to 11.D(2) (another regulator's finding of a violation) and 11.D(4) (another regulator's order in the past ten years). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/284198

**Does Jemma Financial Services state an account minimum?**
Its Form ADV Part 2A brochure dated July 1, 2026 says: "Exclusive of corporate retirement plans, we do not impose a minimum account size or minimum fee to maintain an account."

**What changed in Jemma Financial Services' recent Form ADV filings?**
In the August 2026 filing data: Updated its list of owners and control persons (Schedule A).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Fees and minimums (Form ADV Part 2A brochure dated July 1, 2026)

- $1 to $250,000: 1.5% a year
- $250,000 to $500,000: 1.25% a year
- $500,000 to $1,000,000: 1% a year
- $1,000,000 to $2,000,000: 0.9% a year
- $2,000,000 to $3,000,000: 0.75% a year
- Above $3,000,000: see the brochure

> Effective April 1, 2026 fees based on assets under management are as follows: PORTFOLIO VALUE ANNUAL FEE (%) $1 to $250,000 1.50% Next $250,000 1.25% Next $500,000 1.00% Next $1,000,000 0.90% Next $1,000,000 0.75%

- Account minimum: None

> Exclusive of corporate retirement plans, we do not impose a minimum account size or minimum fee to maintain an account.

- Minimum annual fee: None

> Exclusive of corporate retirement plans, we do not impose a minimum account size or minimum fee to maintain an account.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Regulatory assets under management (Item 5.F)
- Total: $139,832,219
- Discretionary: $108,090,596
- Non-discretionary: $31,741,623

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 238 | $40,999,045 |
| High net worth individuals | 74 | $69,410,687 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 8 | $23,966,244 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 4 | $5,456,243 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Other

### Firm details
- Registered since: 2022 (3 years)
- Employees: 5 total, 5 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CO, CT, DC, DE, FL, IL, MD, ME, MI, NC, NH, NJ, NY, PA, SC, TX, VA
- Disclosures (Item 11): Reports 2 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 11.D(2): Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate was involved in a violation of investment-related regulations or statutes?
- 11.D(4): In the past ten years, has another federal regulator, a state regulator, or a foreign financial regulator entered an order against the firm or an advisory affiliate in connection with investment-related activity?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/284198

### Other offices (Schedule D, Section 1.F), as of the August 2026 filing
- Denver, CO

### Websites listed on Form ADV (Item 1.I)
- jemmafinancial.com
- LinkedIn @jemma-financial-services

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2023 | $46,248,290 | 6 | September 20, 2023 |
| October 2024 | $98,809,790 | 6 | March 25, 2024 |
| October 2025 | $145,940,068 | 5 | March 26, 2025 |
| October 2026 | $139,832,219 | 5 | July 1, 2026 |

Regulatory assets under management: $46,248,290 in the October 2023 data and $139,832,219 in the October 2026 data, up 202%.
Total employees: 6 in October 2023 and 5 in October 2026.

## Changes in the filing (last 12 months)

### August 2026
- Updated its list of owners and control persons (Schedule A).

### April 2026
- Added an office in Denver, CO.
- Registered or notice-filed in DC.

### January 2026
- No longer registered or notice-filed in WA.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Jemma Financial Services (CRD 284198): Form ADV filing data as of October 2026.