Item 5 – Account Requirements and Types of Clients ........................................................................................ 21 Item 6 – Portfolio Manager Selection and Evaluation .......................................................................................... 21 Item 7 – Client Information Provided to Portfolio Managers ................................................................................ 23 Item 8 – Client Contact with Portfolio Managers ................................................................................................. 23 Item 9 – Additional Information ............................................................................................................................ 24 Form ADV Part 2B – Brochure Supplement ............................................................................................................... 26 Item 2 – Educational Background and Business Experience .............................................................................. 26 Item 3 Disciplinary Information ............................................................................................................................ 27 Item 5 – Additional Compensation ....................................................................................................................... 28 Item 6 – Supervision ............................................................................................................................................ 28 Form ADV Part 2B – Brochure Supplement ............................................................................................................... 29 Page 4 Effective: March 2, 2022 .......................................................................................................................................... 29 Item 2 Educational Background and Business Experience ................................................................................. 29 Item 3 – Disciplinary Information ......................................................................................................................... 29 Item 5 – Additional Compensation ....................................................................................................................... 30 Item 6 – Supervision ............................................................................................................................................ 30 Form ADV Part 2B – Brochure Supplement ............................................................................................................... 31 Effective: March 2, 2022 .......................................................................................................................................... 31 Item 2 Educational Background and Business Experience ................................................................................. 31 Item 3 Disciplinary Information ............................................................................................................................ 32 Item 5 – Additional Compensation ....................................................................................................................... 33 Item 6 – Supervision ............................................................................................................................................ 33 Form ADV Part 2B – Brochure Supplement ............................................................................................................... 34 Effective: March 2, 2023 .......................................................................................................................................... 34 Item 2 Educational Background and Business Experience ................................................................................. 34 Item 3 – Disciplinary Information ......................................................................................................................... 35 Item 5 – Additional Compensation ....................................................................................................................... 36 Item 6 – Supervision ............................................................................................................................................ 36 Form ADV Part 2B – Brochure Supplement ............................................................................................................... 37 Effective: March 2, 2022 .......................................................................................................................................... 37 Item 2 Educational Background and Business Experience ................................................................................. 37 Item 3 – Disciplinary Information ......................................................................................................................... 37 Item 5 – Additional Compensation ....................................................................................................................... 38 Item 6 – Supervision ............................................................................................................................................ 38 Privacy Policy ....................................................................................................................................................... 39 Page 5 A. Firm Information JMAC Enterprises LLC (“JMAC” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a Limited Liability Company (“LLC”) under the laws of the Commonwealth of Pennsylvania. JMAC was founded in April 2017 and became a registered investment advisor in February 2021. JMAC Enterprises LLC is owned by Brick House Advisory, Inc. and Sebvivi Enterprises, Inc. The Advisor is operated by Robert C. Macaulay (Founder, Managing Principal, and Chief Compliance Officer) and John K. Whitehead (Founder and Managing Principal). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by JMAC. The Advisor conducts business under two practice

names (“doing business as” or “dba” names), including Brick House Strategic Wealth and JW Nova Wealth Partners. B. Advisory Services Offered JMAC offers wealth management services to individuals, high net worth individuals, trusts, estates, businesses, retirement plans, and pension plans (each referred to as a “Client”). The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. JMAC's fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Wealth Management Services JMAC provides customized wealth management services for its Clients. This is achieved through continuous personal Client contact and interaction while providing a broad range of comprehensive financial planning in connection with discretionary investment management of Client portfolios. These services are described below. Investment Management Services – JMAC provides discretionary investment management services. JMAC works closely with each Client to identify their investment goals, objectives, risk tolerance and financial situation to create a portfolio strategy. JMAC will construct an investment portfolio consisting of exchange-traded funds (“ETFs”), stocks, bonds, mutual funds, independent managers, and/or options to achieve the Client’s investment goals. The Advisor may retain a Client’s legacy investments based on portfolio fit and/or tax considerations. JMAC’s investment strategies are primarily long-term focused, but the Advisor may buy, sell or re-allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. JMAC will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. JMAC evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. JMAC may recommend, on occasion, redistributing investment allocations to diversify the portfolio. JMAC may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement. JMAC may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of the Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. Phone: (267) 753-7065 * Fax: 215-860-1687 Page 6 At no time will JMAC accept or maintain custody of a Client’s funds or securities, except for the limited authority as outlined in Item 15 – Custody. All Client assets will be managed within the designated account[s] at the Custodian, pursuant to the terms of the advisory agreement. Please see Item 12 – Brokerage Practices. Use of Independent Managers - JMAC may recommend that Clients utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) for all or a portion of a Client’s investment portfolio, based on the Client’s needs and objectives. The Advisor will perform initial and ongoing oversight and due diligence over each Independent Manager to ensure the strategy remains aligned with Clients investment objectives and overall best interests. The Client will be provided with the Independent Manager's Form ADV Part 2A - Disclosure Brochure (or a brochure that makes the appropriate disclosures). Retirement Accounts – When the Advisor provides investment advice to Clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Advisor is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the Client’s best interest, the Advisor will provide investment advice to a Client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Financial Planning Services – JMAC will typically provide a variety of financial planning and consulting services to Clients. Services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. Financial planning services may involve preparing a formal financial plan or rendering a specific financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to, investment planning, retirement planning, estate planning, personal savings, education savings, asset protection, business planning, and other areas of a Client’s financial situation. A financial plan developed for, or financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. For business consulting, JMAC may make recommendations related to succession planning, protection analysis, employer benefits planning, and executive compensation planning. JMAC may also refer Clients to an accountant, attorney or other specialists, as appropriate for their unique situation. Financial planning and consulting recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services or to increase the level of investment assets with the Advisor, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. Retirement Plan Advisory Services JMAC may provide non-discretionary investment management through 3(21) retirement plan advisory services or discretionary investment management through 3(38) retirement plan advisory services on behalf of retirement plans (each a “Plan”) and the company (the “Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan and its Plan Participants. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services generally include:
• Vendor Analysis
• Employee Enrollment and Education Tracking Page 7
• Investment Policy Statement (“IPS”) Support
• Discretionary & Non-discretionary Investment Management
• Performance Reports
• Ongoing Investment Recommendation and Assistance
• ERISA 404(c) Assistance
• Benchmarking Services These services are provided by JMAC serving in the capacity as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the Plan Sponsor is provided with a written description of JMAC fiduciary status, the specific services to be rendered and all direct and indirect compensation the Advisor reasonably expects under the engagement. C. Client Account Management Prior to engaging JMAC to provide wealth management services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include:
• Establishing an Investment Strategy – JMAC, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives.
• Asset Allocation – JMAC will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance for risk for each Client.
• Portfolio Construction – JMAC will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client.
• Investment Management and Supervision – JMAC will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs JMAC includes securities transaction fees, administrative fees, and custodial fees (herein “Covered Costs”) together with its wealth management fees. Including these fees into a single asset-based fee is considered a “Wrap Fee Program”. The Advisor sponsors the JMAC Wrap Fee Program solely as a supplemental disclosure regarding the combination of fees A Wrap Fee Program may not be the lowest cost option if a Client were to pay for these fees separately. Please see Appendix 1 – Wrap Fee Program Brochure, which is included as a supplement to this Disclosure Brochure. E. Assets Under Management As of December 31, 2023, JMAC manages $862,789,779 in Client assets JMAC manages $857,587,929 on a discretionary basis and $5,201,850 on a non-discretionary basis. Clients may request more current information at any time by contacting the Advisor.