J.P. Morgan Wealth Management Review [2025]: What Makes It Stand Out?

What is J.P. Morgan Wealth Management?

J.P. Morgan Wealth Management is a division of JPMorgan Chase & Co. that offers a range of investment products and services. With J.P Morgan Wealth Management, you can find financial services such as investment planning, self-guided investing, financial advising, and more.

J.P. Morgan Wealth Management's services can be divided into these categories:

• Investment access: You can get investment access for varying fees via self-directed investing and investing with the help of personal advisors or one-on-one private client advisors. Advisors can help with asset allocation, market trends, and strategic investment decisions that support their goals.
• Wealth planning: You can use J.P. Morgan Wealth Plan, a digital solution that works as a money coach to help you make educated decisions for your financial future. J.P. Morgan Wealth Plan is free for all Chase clients. In addition, you can get more specialized financial planning, such as retirement planning and estate planning.
• Banking services: For a more comprehensive service, you can also access banking products and services to manage your day-to-day cash flow. This includes a personal banking assistant to help set up accounts and secure access to money management tools from any device.
• Securities-based lending: You can access financing options that are secured by your investments. This could help you fund large purchases without needing to liquidate your assets.

How does online investing with J.P. Morgan work?

The J.P. Morgan online platform can offer a great way for new investors to learn how to invest money because it gives you different account options based on how much you'd like to invest and how involved you want to be in picking your investments.

*For online trading. Higher fees apply for representative-assisted trades.

1. J.P. Morgan Self-Directed Investing

J.P. Morgan Self-Directed Investing is a brokerage account best suited for experienced investors who prefer to choose their own investments.

There is no minimum balance requirement, making it accessible for investors of all sizes. Available investments include stocks, ETFs, options, fixed income, and mutual funds.

As a client, you get to determine your own asset allocation, providing a high level of control over the investment strategy. Rebalancing is manual, meaning the investor is responsible for adjusting their investment portfolio as needed.

J.P. Morgan Self-Directed Investing fees are competitive. You'd pay $0 for U.S. stocks, ETFs, mutual funds, and fixed income trades, and $0 for options trades plus a $0.65 per-contract fee.

2. J.P. Morgan Personal Advisors

J.P. Morgan Personal Advisors is a service for investors who appreciate the help they can receive from a personal advisor.

To use this service, you must maintain a minimum balance of $25,000. J.P. Morgan advisors build portfolios based on your risk tolerance and goals. The service includes automatic rebalancing and guidance from your advisor.

The annual advisory fee ranges from 0.5% to 0.6% of assets under management, depending on your account balance.

3. J.P. Morgan Private Client Advisor

J.P. Morgan Private Client Advisor is a premium service for investors with at least $100,000 who want one-on-one access to an advisor.

The advisor helps build a unique portfolio based on your financial needs, which can include a range of managed, brokerage, and insurance investment products. The service gives you access to automatic rebalancing with guidance from your private client advisor.

The annual advisory fee for this service ranges from 0.70% to 1.45%, based on your balance and investment products used.

How much can you earn with J.P. Morgan Wealth Management?

Investing in stocks and bonds carries inherent risks, and there's no guarantee of returns. Your potential earnings with J.P. Morgan or any other investing app depend on your asset choices, risk tolerance, and investment duration.

For instance, U.S. Treasuries, known for their safety, typically yield lower returns. On the other hand, investing in individual stocks, mutual funds, and ETFs could offer higher returns but with greater volatility. Over time, however, this volatility tends to decrease. For example, the S&P 500 has averaged a 10% annual return since 1965.

Ultimately, your earnings will be determined by your investment decisions and your willingness to accept risk for potential returns.

How to get started with J.P. Morgan Wealth Management

To open a J.P. Morgan online investing account, you must be 18 years or older with a valid Social Security number and a U.S. home address.

Accounts can be opened without a deposit when choosing the J.P. Morgan Self-Directed Investing option. The minimum balance jumps to $25,000 for J.P. Morgan Personal Advisors and to $100,000 for J.P. Morgan J.P. Morgan Private Client Advisor.

Selecting an account

To sign up, follow these steps:

1. Choose the account type you'd like to open.

2. If you chose J.P. Morgan Personal Advisors or J.P. Morgan Private Client Advisor, your next step would be to enter your personal information, and an advisor will reach out to you via phone.

3. If you chose J.P. Morgan Self-Directed Investing, your next step would be to choose a general investment account or a retirement account such as a traditional IRA or a Roth IRA.

4. Continuing with a general investment account or a retirement account takes you to confirm personal details as well as employer information.

Opening an account

To open your account, you'll be asked whether you're an existing Chase customer. If so, much of your personal information will pre-populate.

If you do not already have some sort of Chase account, you'll need to be prepared to provide the following information:

Then, you'll authorize Chase to use consumer reports to review your application and verify your identity.

Your account can be funded from an existing bank account or through the transfer of assets from another investment account.

Alternatives to J.P. Morgan Wealth Management

If investing with J.P. Morgan doesn't sound like a good fit, there are other investment products on the list of the best brokerage accounts to consider. Two popular investing apps with no account minimums and commission-free trading are Stash and Robinhood.

Stash is a good choice if you want to make small investments because you can start investing in stocks or exchange-traded funds (ETFs) for as little as $1.¹ <p class="">Before investing in any exchange-traded fund, consider your investment objectives, risks, charges, and expenses.<br></p> ^,2 <p class="">Stash offers access to investment and banking accounts under each subscription plan. Each type of account is subject to different regulations and limitations. Stash Monthly Subscription Wrap Fee starts at $3/month. You’ll also bear the standard fees and expenses reflected in the pricing of ETFs, plus fees for various ancillary services charged by Stash and/or the Custodian. Please see the <a href="https://cdn.stashinvest.com/disclosures/StashInvest_Advisory_Agreement.pdf" target="_blank">Advisory Agreement </a> for details. Other fees apply to the bank account. Please see the <a href="https://cdn.stash.com/disclosures/stride-deposit-account-agreement.pdf" target="_blank">Deposit Account Agreement</a>.<br></p> You can set up automatic investments, or even use a roundup feature to invest your pocket change. With Stash, you can build a portfolio using suggestions from Stash or by creating your own portfolio from a selection of individual stocks and ETFs.³ <p> </p><p>Paid non-client endorsement. The paid partner received cash compensation of up to $150.00 (per cost per action) for providing this endorsement. Compensation creates an incentive for the individual to recommend Stash. Endorsements are not representative of the experience of all clients and are not guarantees of future performance or success. For a representative sample of client testimonials, refer to Apple App Store or Google Play reviews To begin investing on Stash, you must be approved from an account verification perspective and open a brokerage account (“Personal Portfolio”). Promotion offer is subject to <a href="https://lp.stash.com/personal-portfolio-5-first-deposit-offer-promoter/" target="_blank" rel="noopener noreferrer">Terms and Conditions</a>.</p><p> </p><p>This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers. All investments are subject to risk and may lose value. All product and company names are trademarks ™ or registered ® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.</p> <p>Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.</p> <p>What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. See full terms and conditions.<br><br>Fractional shares start at $0.05 for investments that cost $1,000+ per share.</p>  

Read our full Stash review.

If you prefer to pick your own investments but want access to important features such as fractional share investing and automatic dividend reinvestment, you might prefer a stock trading app like Robinhood. Robinhood offers both of these features, no deposit minimums, and educational resources for new investors. It also offers no commissions, which makes it a good option for day trades. 

Read our Robinhood review.

4.6

FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.

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4.2

FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.

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FAQs

Bottom line

J.P. Morgan Wealth Management offers a range of investment services catering to various investor preferences and needs.

With options like Self-Directed Investing, Personal Advisors, and Private Client Advisor, you can choose a level of involvement that suits your experience and financial goals.

The service provides access to a diverse array of investment vehicles, including stocks, ETFs, options, and fixed income. While Self-Directed Investing stands out for its commission-free trades and low fees, Personal Advisors offers a hands-off approach with portfolios designed by J.P. Morgan experts.

Personal Advisors and Private Client Advisor services cater to those seeking personalized guidance, with minimum balance requirements ranging from $25,000 to $100,000. 

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Get your paycheck up to 2 days early with their Early Payday feature.⁴ <p>With Early Payday, Alliant Credit Union may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Payday. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Early access to funds is dependent on submission of direct deposit by payor and standard fraud prevention restrictions. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Payday.</p> <p>If Alliant makes funds available early through Early Payday and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by Alliant, Alliant may debit your account for the deposit amount previously made available early, which may draw your account negative.</p>

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