All material presented here serves only an informational purpose and may reference the range of offerings provided by the private banking arm of JPMorgan Chase & Co. (JPM). Specific products, fees, charges and interest rates can vary according to the governing account agreement and may differ across regions. Not every offering is available in every jurisdiction, so clients should verify local availability before proceeding.
Scope of offerings and geographic differences
The private banking platform can include bank-managed accounts, custody solutions, brokerage and advisory services as well as insurance products supplied through affiliated entities. For example, investment products are delivered via J.P. Morgan Securities LLC a FINRA-registered broker that participates in SIPC protection, while insurance is offered by Chase Insurance Agency, Inc. These entities operate under the common control of JPMorgan Chase & Co., but each may be subject to distinct regulatory regimes and state-by-state product restrictions. Deposit accounts such as checking and savings remain the domain of JPMorgan Chase Bank, N.A. which is an FDIC member; however, the investment and insurance solutions described are not insured by the FDIC or any other federal agency and do not represent a deposit or guarantee of the bank.
Risk warnings and investor considerations
Any strategy, view or product discussed in this content may not suit every individual. Investment risk is inherent; investors can lose part or all of the capital they commit, and past performance does not guarantee future results. While diversified asset allocation can help manage exposure, it does not assure profit or prevent loss. Prospective clients should assess whether the suggested asset classes—equities, fixed income, alternatives, commodities, etc.—align with their personal objectives, tolerance for volatility, and financial circumstances. Before making any decisions, a thorough review of the associated objectives, fees, expenses and potential risks is essential, ideally with a dedicated JPMorgan Private Bank adviser.
Legal disclaimer and non-reliance statement
The information provided is believed to be reliable, yet JPMorgan does not guarantee its accuracy, completeness or timeliness. No liability is accepted for direct or indirect losses arising from reliance on any portion of this material. All charts, tables and examples are for illustration only and should not be interpreted as a formal research report. Views expressed reflect current market conditions and may change without notice; they may also differ from opinions voiced by other JPMorgan divisions or in other contexts. Forward-looking statements are not promises of future performance.
Nothing in this document creates a fiduciary duty, advisory relationship or offer of any sort toward the reader or third parties. It is not a solicitation, recommendation or advice—financial, tax, legal or accounting—in nature. JPMorgan and its affiliates do not provide tax, legal or accounting counsel; clients are urged to consult their own professional advisors before undertaking any transaction.
For a deeper understanding of the firm’s structure, product suite and regulatory disclosures, interested parties should review the J.P. Morgan Securities LLC Form CRS the Guide to Investment Services and Brokerage Products and the regional Legal Disclaimer applicable to Private Bank affiliates. These documents contain comprehensive details about the relationship between the client and JPMorgan, the scope of services, and the protections (or lack thereof) that apply to each product category.
