Terms of service.

JL3 Financial, LLC ("JL3 Financial," "Firm," "we," or "us") offers financial services through its affiliation with Harbour Investments, Inc. ("Harbour"), a broker-dealer registered with the Securities and Exchange Commission ("SEC") and a member of the Financial Industry Regulatory Authority ("FINRA"). At JL3 Financial, we are committed to providing objective recommendations to meet the financial planning, investment, and insurance needs of our clients.

This document provides important information and disclosures about JL3 Financial's business practices, product offerings, compensation structure, potential conflicts of interest, and material limitations.

For additional information, please contact us at 608-733-0520 or write to us at JL3 Financial, LLC, 916 Willard Drive Suite 136

Green Bay, WI 54304.

For further disclosures about our services, including account types and rollover options, please visit https://harbourinv.com/clients/disclosures/.