Securing your legacy: Building and protecting wealth through financial health

At JPMorganChase, we understand that the strength of our business is intrinsically linked to the vitality of the communities we serve, and it all begins with sound financial health. This foundation empowers individuals to manage their daily needs, confidently navigate setbacks, pursue their dreams, and establish a secure future for themselves and their families.

Our commitment extends to helping people realize their aspirations, whether it's owning a home, starting a business, securing a well-paying job with good benefits, or achieving financial security. JPMorganChase leverages a wide array of tools, capital solutions, and expertise to assist community members in securing their legacy for future generations.

By providing access to financial products and services, we enable individuals to effectively manage their financial lives, save for the future, build credit and wealth, and foster economic mobility. This includes taking advantage of high-quality workplace benefits and protecting against fraud and scams.

Harnessing workplace benefits to improve financial health. 

Employers in the United States spend trillions annually on wages and benefits, yet 70% of American workers remain financially unhealthy. Beyond wages, workplace benefits help provide a safety net for workers to navigate their current financial lives and prepare for future goals like college and retirement. However, fewer than one-third of employed Americans have access to workplace benefits that could help them manage critical financial needs, costing the economy nearly $183 billion per year.

Investing in financial wellness benefits not only allows employees to build wealth as they progress in their careers, but enables a more productive and prosperous workforce. It’s why JPMorganChase made a $7 million philanthropic commitment to Commonwealth to launch “Benefits for the Future,” a national initiative partnering with large employers and benefits providers to pilot and scale innovative workplace benefits programs that improve the financial health of 2.5 million individuals. Additionally, we’re advancing efforts to bridge knowledge gaps with actionable research insights, including supporting the Financial Health Network to uncover key essential benefits that build financial health, Washington University in St. Louis to explore low-wage workers’ benefits access, and The Aspen Institute to scale workplace emergency and retirement savings programs.

This work builds on JPMorganChase’s holistic efforts to improve financial health outcomes for employees—both within the firm and with employers across the country. In the U.S., we offer a variety of programs for our employees—ranging from 401(k) retirement plans, one-on-one financial coaching sessions, and access to programs focused on preparing for the costs of higher education.

Safeguarding your financial health—and wealth—from fraud and scams.

Every year, millions of Americans are defrauded and scammed out of billions of dollars, eroding financial health, destroying life savings, and chipping away at institutional trust. Losses are growing every year, at an alarming rate. This threat impacts everyone, but it is particularly acute for LMI individuals, as well as youth and elder populations, who are more vulnerable to fraud and scams and find it more difficult to recover financially.

JPMorganChase is applying a variety of the firm’s resources—from its industry insights and products to its grant and impact finance capital—to help protect individuals from fraud and scams. In addition to investing billions in fraud and scam prevention, we provide educational resources and host hundreds of fraud and scam prevention workshops at our branches each year. Open to the public, these workshops empower individuals and communities with the latest information on scam tactics and practical steps to protect themselves.

This month, the Aspen Institute’s National Task Force on Fraud & Scam Prevention—where JPMorganChase is a founding member—unveiled a national strategy to prevent scams. Tackling this issue requires a proactive, collaborative, and risk-informed approach.

Recognizing the urgency of this challenge, JPMorganChase has also joined the Global Anti-Scam Alliance as a Foundation member and founding member of its North American chapter. Through this partnership, we are working to advance cross-industry solutions and strengthen protections for communities worldwide.

Only through coordinated action across the public and private sectors can we effectively suppress scams, preserve peoples’ hard-earned savings, and restore consumer trust.

Securing your legacy through financial empowerment.

At JPMorganChase, we understand that every stride toward financial health is a vital step in securing your legacy.

Whether you’re beginning your financial journey or planning for future generations, our commitment is to offer the resources, guidance, and support necessary to build enduring wealth. True wealth goes beyond account balances—it’s about having the freedom to pursue your goals, make plans, and thrive. In the face of ongoing economic challenges, collaborative and innovative approaches to fostering growth are more essential than ever.

By partnering with communities, employers, and industry leaders, we are meeting people where they are, helping them manage today, prepare for tomorrow, and protect what matters most.