JJSA Advisors, Ltd.

JJSA serves individual investors (including high‑net‑worth and non‑HNW clients), small businesses, trusts, estates, and charitable organizations, providing comprehensive financial planning — covering cash flow, retirement, tax, estate and college planning — as well as investment management and project‑based consulting. Services are delivered through its investment adviser representatives and include implementation support, ongoing portfolio supervision, and occasional one‑off advisory projects.

The firm generally implements portfolios using SEI’s institutional asset allocation programs and predominantly no‑load or load‑waived mutual funds, with model portfolios monitored and rebalanced on a regular basis; JJSA will also directly manage accounts when clients’ existing holdings make that appropriate. While the brochure was updated to add discretionary management, the firm reports that virtually all assets under management were handled on a non‑discretionary basis as of December 31, 2025, and its investment process emphasizes fundamental analysis, diversification, and tax considerations.

Noteworthy distinctions include JJSA’s unusual concentration of non‑discretionary AUM for a supported firm that offers investment management, its requirement that clients use specified custodians (Pershing/United Planners, Schwab, or SEI‑designated custodians), and the advisors’ concurrent roles as registered representatives and insurance agents, which can result in implementation through broker‑dealer channels and receipt of commissionable compensation. The firm also participates in SEI’s advisor benefit programs (including provision of Redtail CRM by SEI), which the brochure discloses as potential conflicts of interest alongside its fiduciary duties.