Beaufort, SC Office

Jemma Financial Services advises individual investors (including high-net-worth clients) as well as pension plans, charities, and other entities, managing roughly $140 million across five advisors and about 312 client relationships. The firm’s primary services are discretionary portfolio management built around five risk-targeted model portfolios (conservative to aggressive) and integrated financial planning provided as part of portfolio services rather than as a standalone product, using MoneyGuidePro for plan construction.

Investment decisions are made at the model level with ongoing monitoring and periodic rebalancing; portfolios are composed largely of ETFs and mutual funds and are selected using quantitative and qualitative screens (peer performance, expense ratios, manager tenure) and third-party analytics such as Morningstar and Fi360. Jemma monitors models daily, may implement margin or certain options strategies at client request, and accommodates non-discretionary arrangements when clients prefer to retain trade approval.

What sets Jemma apart from many peer team firms is its industry affiliations and dual roles: certain associated advisors are registered representatives of broker‑dealers and the firm maintains an ownership affiliation with another registered adviser that sponsors registered investment companies, creating potential conflicts that the firm addresses through disclosures, a compliance program, and by excluding advisory fees on client assets invested in the affiliated funds. The firm also commonly requires custody at designated custodians (Charles Schwab or First Clearing) and receives account‑level services and occasional non‑monetary benefits tied to those relationships, which it says it monitors through internal compliance oversight.