J.P. Morgan Personal Advisors offers investment services for individuals with $25,000 or more, providing personalized financial strategies, expert-built portfolios, and ongoing fiduciary advice, with a fee structure based on invested amounts.
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J.P. Morgan Personal Advisors Summary
J.P. Morgan has an investment product, J.P. Morgan Personal Advisors, for individuals who wish to invest $25,000 or more.
This program grants everyday investors the opportunity to work with a team of financial advisors to construct a financial strategy and be paired with the right investments for their objectives.
Here’s how it works:
- Connect with a J.P. Morgan team member to schedule a free financial planning session. Call 833-930-4515 or fill out our contact form and we’ll be in touch.
- Work with a team of fiduciary advisors who will create a personalized financial plan, match you to expert built portfolios and provide ongoing advice via video or phone.
- Get matched to expert-built portfolios, and receive ongoing advice and annual check-ins to ensure your plan is on track.
- Our team of advisors act as fiduciaries so you can be confident that any advisor you work with has your best interest at heart.
- Manage all of your banking, investing and borrowing, and conveniently transfer money online and on the Chase Mobile® app.
- Once we understand your financial picture, risk tolerance and time horizon, we’ll recommend a professionally designed investment portfolio that meets your needs and automatically rebalances as the market shifts.
- Partner with an advisor to build a personalized financial plan based on what’s important to you-whether that’s paying off debt, opening a business or saving for a big purchase.
- J.P. Morgan Personal Advisors now offers automated tax-loss harvesting.
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
INVESTMENT AND INSURANCE PRODUCTS: • NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNEMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE
TRENDING DEAL:
Disclaimers:
The Annual Percentage Yield (APY) is accurate as of 10/3/2025. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.51% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. Show Less
What J.P. Morgan Personal Advisors Offers
Ongoing Access
Clients are required to pay a monthly advisory fee relative to the assets in their Personal Advisors account, and in return, they have unlimited access to advisors through phone or video consultations.
Customized Investment Strategies
In the first meeting, the advisor gathers information about the client’s financial situation, goals, and funding requirements. Subsequently, the advisor formulates a plan to help clients achieve their targets, be it purchasing a house, paying off debt, or saving for retirement.
Expert-Built Portfolios
Advisors will match clients with portfolios constructed by experts. These portfolios come in several varieties, each with distinct risk levels.
Personalized Service
Although clients may interact with different advisors, all sessions are one-on-one. During account creation and financial planning, clients work with the same advisor for consistency.
Managing All Accounts Under One Roof
The Chase Mobile App or Chase.com allows clients to oversee their investment, deposit, and lending accounts in one place.
Advisory Fees
Advisory fee is levied as follows:
- $25k to $249,999 invested: 0.6%
- $250k to $1 million invested: 0.5%
- Over $1 million invested: 0.4%
Automated Tax-Loss Harvesting
J.P. Morgan Personal Advisors has introduced automated tax-loss harvesting! This feature allows you to automatically offset capital gains by selling securities at a loss, which can be a smart move to reduce your tax bill.
READ MORE: TAKE A LOOK AT THIS PROMOTION FROM J.P. MORGAN BEFORE IT ENDS
Pros & Cons
Pros:
- Access to expert-constructed portfolios
- Custom-made investment strategies
Cons:
- Advisors are not certified financial professionals or CPAs
Other J.P. Morgan Wealth Management Products
J.P. Morgan offers other wealth management products, including Private Client Advisors for personalized advice, Self-Directed Investing for more control over investments, and Automated Investing through a robo-advisor.
READ MORE: SEE THIS LIMITED TIME PROMOTION FROM SEEKING ALPHA
Bottom Line
If you’ve got $25K or more that you’re looking to invest, J.P. Morgan Personal Advisors can be an attractive option.
They’ve got advisors who will work with you to create investment plans. They’re fiduciaries, which means they’re legally obliged to have your best interests at heart.
However, if you’re after specialized advice or have less than $25K to invest, you might want to weigh other options.
INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT • NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
Frequently Asked Questions (FAQ)
The advisors are part of J.P. Morgan Wealth Management and act as fiduciaries, providing investment advice based on clients’ goals.
An advisory fee is charged based on the amount invested, with no additional costs for consultations.
Clients have unlimited access to advisors through phone or video consultations.
Yes, you need to have at least $25,000 to invest with J.P. Morgan Personal Advisors.
The advisory fee is based on the assets you hold in your account. For investments between $25,000 and $249,999, the fee is 0.6%. For $250,000 to $1 million, it’s 0.5%, and for over $1 million, it’s 0.4%.
Having a dedicated financial advisor is not an option with J.P. Morgan Personal Advisors unless you have at least $250,000 invested. Otherwise, you will have access to a team of advisors.
An advisor will discuss your financial goals, timeline, and risk tolerance with you. Based on this information, they will match you with one of the expert-built portfolios that best aligns with your objectives.
If there are changes in your financial situation or goals, it’s important to communicate this with your advisor. They will help reassess and make necessary adjustments to ensure that your investment strategy continues to align with your objectives.
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (“J.P. Morgan”), a registered broker dealer and investment adviser, member FINRA and SIPC. Moneysmylife is a publisher of J.P. Morgan, (“Publisher”). The Publisher will receive compensation from J.P. Morgan if you provide contact details to speak with a J.P. Morgan representative. Compensation paid to the Publisher will be up to $500 per completed contact form. Compensation provides an incentive for the Publisher to endorse J.P. Morgan and therefore information, opinions, or referrals are subject to bias. J.P. Morgan and the Publisher are not under common ownership or otherwise related entities, and each are responsible for their own obligations. Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved.
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