Description of Advisory Firm J.J. Burns & Company’s registration was granted by the U.S. Securities and Exchange Commission on May 15, 2006. James Joseph Burns, CFP (CRD Number 1746094) is President of JJBCO. Mr. Burns owns one hundred (100%) percent of the equity of JJBCO. JJBCO is not publicly owned or traded. There are no indirect owners of JJBCO or intermediaries who have any ownership interest in JJBCO. JJBCO manages each client’s portfolio on an individualized basis. Clients may impose restrictions on their accounts. JJBCO does not participate in wrap programs. As of December 31, 2023, JJBCO managed assets on a discretionary basis in the amount of $885,348,824. Types of Advisory Services Investment Management Services We are in the business of managing individually tailored investment portfolios. Our firm provides continuous advice to a client regarding the investment of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on a client's particular circumstances are established, we develop a client's personal investment policy or an investment plan with an asset allocation target and create and manage a portfolio based on that policy and allocation target. Account supervision is guided by the stated objectives of the client (e.g., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Fees pertaining to this service are outlined in Item 5 of this brochure. Financial Planning For clients who engage JJBCO for financial planning, we look at the whole picture: where the client is today, where they want to go, what they envision for their future—and future generations—and what it will take to get them there. Our goal is to help the client plan and build the life they want. And it starts with a relationship. We spend time getting to know the client, including the things that matter to them and the people they care about. We help them clarify not just their financial goals, but what it means to them to live a rich life. We understand that wealth is much more than net worth—it’s about family, security, meaning, purpose. It’s about living life on their terms. Developing A Personalized Plan Once we’ve identified the client’s values,

priorities, and goals, we begin the process of constructing their personalized, comprehensive plan, or “roadmap.” We conduct an in-depth assessment of their financial situation, including their budget and cash flow, current assets, savings, and insurance needs. We also look into their goals for retirement, for their estate, and the legacy they hope to pass on. Then we integrate all of these pieces into a comprehensive financial plan that’s completely customized to them and their family. Elements of a Comprehensive Financial Plan
• Cash Flow & Budget Analysis– We analyze how much you earn, how much you spend, and how much you allocate for your financial goals.
• Net Worth Evaluation– We look at your assets, debts, and savings. This gives us a clear understanding of your current financial health.
• Risk Management & Insurance– Are you and your family protected from life’s contingencies? We assess the risks and make sure you’re covered.
• Investment Planning– We build a diversified, strategic portfolio based on your tolerance for risk, investment time horizon, and targeted rate of growth.
• Retirement Planning–We provide recommendations and projections based on your retirement goals and how much you need to save.
• Estate Planning– We work with you to create an enduring legacy, ensure your loved ones will be cared for, minimize costs and taxes, and maximize charitable gifts.
• Heritage Planning– We work with you to determine your goals for future generations and teach your loved one’s important financial values and skills.
• Charitable Planning– We craft a plan that supports the causes you care about while delivering tax benefits, maximizing your impact, and creating a meaningful legacy. Of course, life isn’t static—and neither is the financial plan. At times we’ll need to reevaluate and make adjustments, especially during life transitions. But we always have your long-term plan to keep us focused and on track. Client Tailored Services and Client Imposed Restrictions We offer the same suite of services to all of our clients. However, specific client financial plans and their implementation are dependent upon a client’s current situation and is used to construct a client specific plan to aid in the selection of a portfolio that matches restrictions, needs, and targets. Wrap Fee Programs We do not participate in wrap fee programs.