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Goals-Based Planning

Goals-Based Planning

Create the life and legacy you envision with a plan tailored to you
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Goals-Based Planning can help secure your future

Your wealth was built with great intention. Its future should be too

Viewing your wealth through our four unique lenses — liquidity (cash), lifestyle (spending), legacy, and growth — can help ensure that it’s arranged and utilised in a way that helps supports your intentions and values. Our personalised approach maps your assets and aspirations through four lenses.
Liquidity (cash)

Access to liquidity to navigate through the ups and downs of markets and life events

Many investors will plan for a contingency, to have enough money on hand to feel psychologically safe through the turmoil of markets, business cycles and life events. The goal is to ensure that spending or lifestyles will not be unexpectedly restricted or result in the sale of assets at the wrong time (i.e., sell low). Within the liquidity lens, we reserve cash for typical lifestyle expenses, big purchases or even for opportunistic purposes.

Lifestyle

Provides a foundation that will reliably address your lifestyle needs.

By allocating strategically, investors can better maintain their lifestyle needs and wants. If, for example, they faced a large loss of capital in a business or concentrated investment—or a life event that left principal earners unable to work—this lens would have enough money to mitigate adverse effects and maintain a consistent way of living. Its contents are specifically tailored to an individual or family’s definition of ‘lifestyle.’

Legacy

The portion of your wealth focussed on long- term family legacy or philanthropic goals

The first two lenses provide money for use within one’s lifetime, while the legacy lens allocates money during or after your lifespan. There is, however, some flexibility here. If the lifestyle portion is drained too early due to factors such as longevity, the legacy lens can help. It may also be utilized for family gifts (either outright or via more complex wealth planning structures) as well as philanthropic gifts by way of family foundations.

Growth

Assets in a bucket are intended for long-term capital growth

It is important to note that the contents of the aforementioned segments of wealth—liquidity, lifestyle and legacy—are all meant to be consumed. The fourth and final lens, on the other hand, serve a different purpose. It is intended for long-term capital growth. This can act as the foundation for intergenerational wealth or philanthropic giving in perpetuity.

Case Studies

Discover how Goals-Based planning helps our clients achieve their aspirations.

Sophia’s story

As a beneficiary of her parents' estate, Sophia sought our expertise to align her wealth in support of her lifestyle and philanthropy goals.

Sophia's Plan

  

Gary’s story

Gary, a hedge fund manager, partnered with us to continue growing his wealth while securing his family’s future.

Gary’s Plan

 

Eleanor’s story

After a successful exit from the business she built, Eleanor turned to us to help secure her assets and create a lasting legacy.

Eleanor’s Plan

 

Ready for your personalised goals-based plan? Speak with your J.P. Morgan team to create your goals-based plan today.

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A few questions to get you started

KEY RISKS

IMPORTANT INFORMATION

This material is for information purposes only, and may inform you of certain products and services offered by private banking businesses, part of JPMorgan Chase & Co. ("JPM"). Products and services described, as well as associated fees, charges and interest rates, are subject to change in accordance with the applicable account agreements and may differ among geographic locations. Not all products and services are offered at all locations.

GENERAL RISKS & CONSIDERATIONS

Any views, strategies or products discussed in this material may not be appropriate for all individuals and are subject to risks. Investors may get back less than they invested, and past performance is not a reliable indicator of future results. Asset allocation/diversification does not guarantee a profit or protect against loss. Nothing in this material should be relied upon in isolation for the purpose of making an investment decision. You are urged to consider carefully whether the services, products, asset classes (e.g. equities, fixed income, alternative investments, commodities, etc.) or strategies discussed are suitable to your needs. You must also consider the objectives, risks, charges, and expenses associated with an investment service, product or strategy prior to making an investment decision. For this and more complete information, including discussion of your goals/situation, contact your J.P. Morgan team.

NON-RELIANCE

Certain information contained in this material is believed to be reliable; however, JPM does not represent or warrant its accuracy, reliability or completeness, or accept any liability for any loss or damage (whether direct or indirect) arising out of the use of all or any part of this material. No representation or warranty should be made with regard to any computations, graphs, tables, diagrams or commentary in this material, which are provided for illustration/reference purposes only. The views, opinions, estimates and strategies expressed in this material constitute our judgment based on current market conditions and are subject to change without notice. JPM assumes no duty to update any information in this material in the event that such information changes. Views, opinions, estimates and strategies expressed herein may differ from those expressed by other areas of JPM, views expressed for other purposes or in other contexts, and this material should not be regarded as a research report. Any projected results and risks are based solely on hypothetical examples cited, and actual results and risks will vary depending on specific circumstances. Forward-looking statements should not be considered as guarantees or predictions of future events.

Nothing in this document shall be construed as giving rise to any duty of care owed to, or advisory relationship with, you or any third party. Nothing in this document shall be regarded as an offer, solicitation, recommendation or advice (whether financial, accounting, legal, tax or other) given by J.P. Morgan and/or its officers or employees, irrespective of whether or not such communication was given at your request. J.P. Morgan and its affiliates and employees do not provide tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any financial transactions.

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JPMorgan Chase Bank, N.A. and its affiliates (collectively "JPMCB") offer investment products, which may include bank-managed accounts and custody, as part of its trust and fiduciary services. Other investment products and services, such as brokerage and advisory accounts, are offered through J.P. Morgan Securities LLC ("JPMS"), a member of 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. JPMCB, JPMS and CIA are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

 

Please read the Legal Disclaimer (for J.P. Morgan regional affiliates and other important information) and the relevant deposit protection schemes.

 

DEPOSIT PROTECTION SCHEME 存款保障計劃 JPMorgan Chase Bank, N.A.是存款保障計劃的成員。本銀行接受的合資格存款受存保計劃保障，最高保障額為每名存款人HK$500,000。 JPMorgan Chase Bank N.A. is a member of the Deposit Protection Scheme. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$500,000 per depositor.
INVESTMENT AND INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED
Bank deposit products, such as checking, savings and bank lending and related services are offered by JPMorgan Chase Bank, N.A. Member FDIC. Not a commitment to lend. All extensions of credit are subject to credit approval.