Jemma Investment Advisors, LLC D/B/A Jemma Financial Services is a limited liability company organized under the laws of the State of Maryland since June 6, 2016. We are majority owned by Brian C. Nelson, President and Founder of the Firm. There are no other individuals who own more than 25% of our firm. We have been registered as an investment adviser at either the state or federal level since June 30, 2016. Currently, we are registered with the SEC in order to provide the investment advisory services as described in this document. As of December 31, 2023, we managed $75,862,138 on a discretionary basis and $22,947,652 on a non- discretionary basis. This Disclosure Brochure provides you with information regarding our qualifications, business practices, and the nature of advisory services that should be considered before becoming our advisory client. Please contact Stephen Baird, Chief Compliance Officer at [email protected], if you have any questions about this Disclosure Brochure. Qualified individuals associated with us will provide our investment advisory services. Such individuals are known as Investment Advisor Representatives (“IARs”). We require IARs engaged in determining or offering investment advice to our clients to be properly licensed and registered in all states in which they provide investment advisory services. Below is a description of the investment advisory services we offer. For more details on any product or service please reference your Investment Advisory Agreement (“IAA”) or contact your IAR. Your IAR may recommend various types of portfolio management services to help meet your investment goals. Portfolio Management Services We provide continuous and regular investment advisory services to you in connection with establishing and monitoring of your investment objectives, risk tolerance and time horizon. Guided by your stated objectives and restrictions, we will manage advisory accounts primarily on a discretionary basis, where we are not required to obtain client consent prior to executing any investment decisions, but will accept, at the client’s request, non-discretionary accounts where we are required to obtain client consent prior to executing any investment decisions on behalf of the client. There are approximately 10 basic types of portfolios that we offer and that we will allocate your assets based on your investment objectives and risk tolerance: Conservative, Moderately Conservative, Moderate, Moderately Aggressive and Aggressive. Jemma tailors its investment advice, account investment strategy and risk tolerance based on a personal interview and/or the completion of a client questionnaire. You have the opportunity to place reasonable restrictions or constraints on the way your account is managed; however, such restrictions may affect the composition and performance of your portfolio. For these reasons, performance of the portfolio may not be identical with our average client. Jemma has developed several model portfolios utilizing Exchange Traded Funds (“ETFs”) and mutual funds. The models range in risk tolerance from conservative to aggressive. Generally, the more aggressive models have higher allocation to equities, as opposed to fixed income type ETFs and funds, than the more conservative models. Below are product allocation percentages of the various portfolios and models we recommend to clients. Model Allocation Sub-Allocation Long-Term Growth 100% Equity Large Cap 35% Mid-Cap 25% Small-Cap 20% International 20% Moderate Growth 80% Equity 20% Fixed Income Large Cap 29% Mid-Cap 20% Small-Cap 15% International 16% Fixed Income 20% Growth & Income 60% Equity 40% Fixed Income Large Cap 21% Mid-Cap 15% Small-Cap 12% International 12% Fixed Income 40% Income & Growth 40% Equity 60% Fixed Income Large Cap 14% Mid-Cap 10% Small-Cap 8% International 8% Fixed Income 60% Conservative Growth 20% Equity 80% Fixed Income Large Cap 7% Mid-Cap 5% Small-Cap 4% International 4% Fixed Income 80% Additionally, portfolios are adjusted based on individual needs and the size of the investor’s portfolio. Jemma regularly monitors the performance of each security selected for each model. Further, Jemma typically rebalances

the portfolios at least quarterly. We may utilize third-party research services to assist us with formulating asset allocation, industry and sector selection, and individual investment recommendations in constructing and maintaining our portfolios. Some IARs, in consultation with you, may decide to either not use the models described above, or only use them for a portion of your assets. These IARs will also tailor their recommendations and investments based on your investment objectives and risk tolerance through individual stocks, bonds, government’s, municipals, or other individual securities. As described above, you will continue to have the opportunity to place reasonable restrictions or constraints on the way your account is managed. For clients residing in Washington We will collect suitability information at the onset of the client relationship and will make reasonable efforts to document and update this information annually. The following information, collected from each client, forms the basis of and supports our recommendations: A. Age (or date of birth); B. Annual income; C. Total net worth (excluding primary residence); D. Liquid net worth; E. Employment status (if retired, former profession. If self-employed, type of business); F. Fair market value of primary residence (and outstanding debt); G. Tax status, which includes, type of account (natural person, entity, IRA, etc.), tax bracket, or tax strategy for the account(s); H. Investment objectives (should be defined to ensure client understanding); I. Investment experience (time/investment products); J. Investment time horizon; K. Liquidity (cash flow) needs; L. Risk tolerance; M. Other investments (types of investments held elsewhere); N. Any other information the client may disclose to the investment adviser in connection with recommendations or investment advice; and O. Any other relevant information the investment adviser should ask based on the investment adviser’s strategy (for example, source of funds for the purpose of investment). Financial Planning Services We do not offer stand-alone financial planning services; instead, we incorporate financial planning into our Portfolio Management Services. There are no separate fees charged to our clients for financial planning. We will provide a financial plan using MoneyGuidePro, a cloud-based solution. MoneyGuidePro is a financial planning tool where you are engaged in the process, but we maintain ultimate control including the types of modules that you can see. Generally, this will involve preparing a written financial plan for our clients based on their current situation, financial goals, and objectives. This planning may encompass one or more of the following areas: 1. Financial Planning – the process of determining whether and how a client can meet life goals through the proper management of financial resources by creating a financial plan; a detailed strategy tailored to a client’s specific situation to help meet a client’s specific goals and objectives. 2. Wealth Preservation – Reduce risk in our clients’ life savings 3. Income Planning – Replace lost income for surviving spouse when applicable 4. IRA Exit Strategies – Design IRA and Annuity exit strategies to minimize excessive taxation 5. Succession Planning – Maximize the benefits of annuities and life insurance to increase your income, minimize volatility, hedge for inflation The plan will usually include general recommendations for a course of activity or specific actions to be taken by you. Advisory recommendations are based on your financial situation at the time the services are provided and are based on financial information you supplied. You are informed that certain assumptions may be made with respect to interest and inflation rates and the use of past trends and performance of the market and economy. Past performance is in no way an indication of future performance. You have the responsibility to promptly notify us if there are ever any changes in your financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services. Wrap Fee Programs Jemma does not intend to offer wrap fee service at this time.