Benefits of financial planning - Planning can help more than your finances
A personalized strategy from J.P. Morgan makes it easier to stay on track, and helps you gain confidence as you work toward your goals.
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Monthly Service Fees
There is a $35 Monthly Service Fee for Chase Private Client Checking OR $0 when you have at least one of the following each statement period: an average beginning day balance of $150,000 or more in any combination of this account and linked qualifying deposits¹/ investments² OR, a linked Chase Platinum Business CheckingSM account.
¹ Qualifying personal deposits include up to nine Chase Private Client Checking accounts, Chase High School CheckingSM accounts, Chase First CheckingSM accounts, personal Chase savings accounts (excluding Chase Premier SavingsSM), CDs, certain Chase Retirement CDs, or certain Chase Retirement Money Market accounts.
² Qualifying personal investments include balances in investment and annuity products offered through JPMorgan Chase & Co. and its affiliates and agencies. For most products, we use daily balances to calculate the average beginning day balance for such investment and annuity products. Some third party providers report balances on a weekly, not daily, basis and we will use the most current balance reported. Balances in 529 plans, donor-advised funds, and certain retirement plan investment accounts do not qualify. Investment products and related services are only available in English.
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Receive priority service, exclusive perks and benefits from Chase, plus investing strategies and insights from J.P. Morgan Wealth Management.
No ATM fees worldwide³, plus no Chase fee4 on incoming or outgoing wire transfers.
Once you open an account, schedule a meeting with your banker to help you get started, open additional accounts, and move funds over to Chase.
³ There is no Chase fee at non-Chase ATMs. Chase will refund ATM fees charged by the ATM owner/network. This benefit will begin the next business day after opening the account. Some ATM owners/networks do not identify these fees in the information they send to us and, as a result, we may not automatically refund the fee. If for any reason the refund is not processed, please contact us. There is no Foreign Exchange Rate Adjustment Fee when conducting transactions in a foreign currency. If you choose to convert an international transaction to U.S. dollars at either an ATM or on a purchase, foreign currency commissions and fees included in the exchange rate charged by third parties are excluded from Chase reimbursements.
4 For wire transfers, the “No Chase Fee” benefit applies to the Wire Transfer Fees section listed on the Fee Schedule of the Additional Banking Services and Fees, which can be found at chase.com/disclosures content. Financial institutions may deduct processing fees and/or charges from the amount of the incoming or outgoing wire transfers. Any deductions taken by us, and our affiliates, may include processing fees charged by Chase.
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Schedule a meetingStay on track - Defining a strategy moves you forward
With a strategy in place, you can rest assured that you're still working toward your goal, no matter what happens along the way.
Planning can help you handle changes
There are some things you can anticipate, but even for the things you can’t, a strategy can help keep your goals in sight.
Gain confidence - Acknowledging where you are helps you set realistic goals
Take some time to consider how you feel about your current financial situation, and you'll feel more confident moving in a new direction.
How confident do you feel about your financial future?
Click to explore the different levels of confidence.
Achieve goals - It all starts with choosing a direction
Working together with someone to help define your goals can help you feel even better about your strategy. But first, start thinking about what's most important to you.
Start planning - Let’s plan for your goals. Not just your finances.
Prepare for retirement
No matter where retirement is on the horizon, we’ll work with you to design a retirement strategy that helps you make the most of life today — and sets you up for the future.
Learn about retirement planning
Save for education
There are many ways to pay for your family’s education—from 529 plans to student loans. We’ll help you understand each option and how it fits with your goals, so you can plan more holistically.
Learn about education planning
Build wealth for what matters
Our wealth planning strategies take your short- and long-term goals into account, whether you’re thinking about things like caregiving for your family, buying a home, philanthropy or estate planning.
Learn about wealth planningPrepping for your first conversation
Here are a few things to think about as you start to get ready for your first meeting with your advisor.
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How do you feel about your financial and investment knowledge?
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What is the number one thing you want your money to do for you?
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Do you feel you have enough to accomplish what you’d like to?
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How involved do you want to be in day-to-day financial decisions?
Planning can help you handle changes
There are some things you can anticipate, but even for the things you can’t, a strategy can help keep your goals in sight.
Chart displayed with two lines that dynamically change based upon the events selected below.
- One line (green) shows the financial impact of event(s) without planning
- One line (blue) shows the financial impact of event(s) with planning
Add up to 3 events
Click the events below onto the graph to see how they can affect your long-term goals with and without planning
- Market volatility - Take into account your comfort level, time until retirement, and progress toward goals when figuring out the investment strategy that’s right for you.
- Inflation - Using an investment strategy to build a diverse portfolio that’s not too conservative can help you avoid loss over time.
- Marriage - Sometimes the things you can plan for might end up costing more than you expect. A strategy can help keep you from feeling caught off guard.
- Extra expenses - Whether it’s for something fun or something you need, a sound strategy makes you more prepared for unexpected expenses in the future.
- Healthcare costs - If you work to plan for potential future medical expenses based on your family and personal health history, you’ll be more prepared for whatever’s ahead.
- Claiming social Security - A strategy makes it easier to get more out of your lifetime benefits and figure out when you should start claiming.
- Portfolio risk - Regularly reviewing your portfolio’s allocation can help you maintain balance, even with fluctuations.
- Career change - A change in your career could come with either new opportunities or challenges, but a sound financial strategy prepares you for shifting paths.
- Investment approach - With a partner helping you prepare, you can review employee-sponsored plans together and find the best way to allocate your assets.
- Retirement change - If the way you envision your retirement changes, a strategy can help you make sure you’re ready for what’s ahead.
How confident do you feel about your financial future?
Click to explore the different levels of confidence.
Not very confident
- Start with small steps
- Whether you're just getting started or feel like you could use some help, taking time to talk through goals can help you overcome obstacles and feel empowered to earn and save
Next steps:
- Set one achievable goal now
- Save on a set schedule
- Stick with your goal and set more
Somewhat confident
- Building confidence takes time
- Whether you're curious or a bit uncomfortable talking about finances, learning why you feel this way can help you invest and borrow with more confidence.
Next steps:
- Set and prioritize achievable goals
- Ask yourself how you can move closer to a goal
- Take a least one action now
Very confident
- Focus on keeping your momentum
- Whether you're already set on a path or ready to start building a strategy, some extra help can guide you to protect what you've already done, as well as save, share and spend how you'd like.
Next steps:
- Review your goals and priorities
- Ask yourself if anything needs to change
- Align your financial resources and goals
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Browse the latest commentary, news, and education from J.P. Morgan specialists to help you make the most of your investments.