Knowledge is power. We empower our clients.

Get Started Now
health insurance concept - stethoscope over the money

Rethink How You Use Your Health Savings Account

When it comes to saving for retirement, many savvy investors contribute to an Individual Retirement Account (IRA) and a 401(k) or 403(b) account. But did you know that a Health Savings Account (HSA) can be considered part of your overall retirement portfolio? An HSA is a savings account that can be used for out-of-pocket medical,…

Read More >

Young Asian couple receiving new apartment or room key from realtor or real estate sales agent after finish a rental or buying contract.

How Low Interest Rates Affect Your Money

Following the coronavirus pandemic, the Federal Reserve expects to maintain low interest rates for the foreseeable future. The Fed’s decisions affect nearly everyone because of one fact: It impacts consumers’ cost to borrow money. For example, when interest rates rise, the interest expense on variable rate debt balances generally rises. Low interest rates can be…

Read More >


Tips & Checklists for Your Move Out-of-State – Don’t Leave Home Without It

Moving into a new home takes a tremendous amount of time, energy and, if done right, planning. I can speak firsthand to this as I recently moved from the east coast to the west coast within the last month. Baltimore, Maryland to San Jose, California to be exact. This wasn’t my first out-of-state move but…

Read More >

young pretty leader of small company , female CEO

Savings Advice I’d Give To My 20-Something-Year-Old-Self

Experiencing financial freedom after graduating from college is liberating but what you do with that first paycheck will pave the way for your financial future. Believe it or not, creating smart savings habits starts while you’re young. Sure, it feels nice to wine and dine every night of the week but how do you think…

Read More >

Log In to Your Existing Account Get Started Now

Need assistance? Call 855.662.2121 or email

You are now leaving Jemma Financial

Yes, I would like to leave No, I would like to stay

Important Notice

You are now leaving the Jemma Financial Services website and will be entering the Charles Schwab & Co., Inc. (“Schwab”) website.

Schwab is a registered broker-dealer, and is not affiliated with Jemma Financial Services or any advisor(s) whose name(s) appear(s) on this website. Jemma Financial Services is/are independently owned and operated. [Schwab neither endorses nor recommends {Name(s) of Investment Management Firm(s)}, unless you have been referred to us through the Schwab Advisor Network®. (This bracketed language is for use by Schwab Advisor Network members only.)] Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with “Name(s) of Firm(s)” under which Schwab provides Jemma Financial Services with services related to your account. Schwab does not review the Jemma Financial Services website(s), and makes no representation regarding information contained in the Jemma Financial Services website, which should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.