How JPMorgan’s latest advice move might impact everyday investors

JPMorgan Chase is taking a piece of its internal playbook and turning it into a client-facing business.

The bank has launched “Special Advisory Services,” a new group that will share some of its internal expertise on artificial intelligence, cybersecurity, real estate selection, health benefits, and tech procurement with select corporate clients, according to CNBC.

The effort was pushed by CEO Jamie Dimon after clients started asking how the country’s biggest bank is actually running its own shop, not just how it underwrites deals or arranges financing.

CNBC reported that the group will be led by Liz Myers, JPMorgan’s global chair of investment banking, who said these capabilities are “on par [with] or better [than] some of the specialized consulting firms out there” and could help executives “learn from our best practices.”

Initially, JPMorgan does not plan to charge for most of this advice, though it may negotiate fees for more intensive, ongoing projects, according to the bank’s description of the program.

The services are targeted at companies that either already have deep ties with JPMorgan or want to become core clients, including IPO candidates, long-term advisory clients, and mid-sized firms looking to make the bank their primary partner.

Why JPMorgan's services matter, even if you’re not a CEO

On the surface, this looks like another Wall Street offer reserved for big corporations, not for your IRA or taxable account.

But there’s a pattern here that does impact you over time: Institutional-grade ideas tend to trickle down into products, tools, and strategies that end up in retail investing.

JPMorgan itself has talked about how technology and data are changing the “science and art” of investing, highlighting themes such as the democratization of markets and new tools driven by AI and data.

More Wall Street

• Goldman Sachs issues urgent take on stock market for 2026

• Analyst who nailed 2023 bull run sets S&P 500 target for 2026
• Longtime fund manager sends blunt message on P/E ratios
• Nasdaq’s near 24-hour trading plan sparks Wall Street backlash
• Every major analyst’s S&P 500 price target for 2026

In a recent J.P. Morgan podcast on retail versus institutional investor behavior, the bank’s research team noted that retail trading flows surged to record levels and emphasized how “the increasing availability of information and toolkits to the retail investor” is reshaping market dynamics.​

That’s where I see the connection: When JPMorgan formalizes how it advises top clients on AI, risk, and strategy, it builds frameworks and playbooks that can later be repackaged into model portfolios, risk tools, and educational content aimed at individual investors.

How JPMorgan's investing “secret sauce” could filter into your account

Here’s how this move could quietly show up in your everyday investing life over the next few years.

AI-informed research and tools

JPMorgan has been one of the large banks leaning into AI, with outside reporting such as Forbes noting high adoption across its operations.

If the bank is now formally advising clients on how to integrate AI into decision-making, it’s a safe bet that some of the same techniques will influence the investment research and market outlooks it publishes for a wider audience.

According to J.P. Morgan’s own market outlook, its global research team already uses scenario analysis to map out probabilities for recession, inflation paths, and market returns.

As that process becomes more AI-driven, you may see smarter screeners, risk dashboards, or portfolio “checkups” baked into apps and advisory platforms that use JPMorgan research, even if you never talk to a banker.

Tighter playbooks for risk and resilience

One underrated angle is how big banks manage risk for themselves.

If JPMorgan is walking CEOs through how it handles cybersecurity, vendor selection, and operational resilience, that thinking can also show up in how it designs investment products and allocates risk in portfolios.

RSM, a consulting firm that tracks retail investing trends, has noted that better tools and infrastructure are crucial as individual investors trade more frequently and use more sophisticated platforms.

As institutions upgrade their risk playbooks, brokerages that rely on JPMorgan research or technology may adopt stronger risk controls and clearer disclosures that affect how your orders are routed, how margin is handled, or which complex products you’re even allowed to touch.

New flavors of “institutional” products

When Wall Street does something for its top clients, it eventually tries to scale it.

The JPMorgan Institute recently documented how retail investing flows have jumped roughly 50% since 2023, rivaling the peaks of the pandemic retail trading boom.

With that much individual money to capture, any insights JPMorgan develops through this advisory group could later inform new ETFs, model portfolios, or “premium” advisory tiers marketed to you as approaching institutional quality.

That’s where I’d expect more AI-branded portfolios, thematic funds built around corporate resilience or digital transformation, and “guided” strategies that promise to import best practices from the same boardrooms this new group is advising.

The risk: a wider gap between investing insiders and everyone else

For all the talk about democratization, there’s also a clear tension here.

Myers told CNBC that more than two-thirds of the specialists whose expertise is being tapped still have internal jobs, and that JPMorgan has to “be judicious about who has access to them” because they are a scarce resource.

That means the highest-touch, most nuanced advice will still sit with big corporate clients who do large deals and pay meaningful fees, not with you trying to decide between an index fund and a target-date fund.

RSM has warned that the rise of AI-enabled trading platforms and complex retail tools makes accurate disclosures and tax reporting more critical as regular investors behave more like institutions.

If large banks and their top clients get even better at navigating this complexity while everyday investors mostly get slick interfaces and marketing language, the performance gap could grow.

Reuters has already reported that retail investors have been buying stocks at the strongest pace in a decade, which boosts market risk for individuals who might not have institutional-level risk management to match their enthusiasm.

Put side by side with JPMorgan’s tailored advice to C-suites on strategy and resilience, you get a picture of how the professional money gets both better tools and better coaching.

What you can do as an everyday investor

You can’t get yourself invited into JPMorgan’s special advisory group, but you can use the ripple effects to your advantage, instead of being left behind.

Consider a few practical steps:

• Track how your products are built.
  Read the “strategy” and “risk” sections of fund prospectuses and ETF factsheets to see whether managers are leaning on large-bank research or AI-driven processes. When a brokerage pitches an “institutional-style” or “AI-enhanced” portfolio, treat that as a starting point for questions, not a guarantee of better performance.
• Lean on public institutional research.
  J.P. Morgan Global Research regularly publishes high-level market outlooks that filter into media and investor materials, including probabilities for recession and inflation scenarios. You can use that information to sanity-check your own asset allocation instead of just reacting to headlines or social media sentiment.
• Focus on process, not secret sauce.
  The real edge these big clients are getting is structured decision-making: how they weigh risks, test scenarios, and align strategy with long-term goals. You can mirror that by writing down your investing plan, setting target allocations, and revisiting them on a calendar instead of a news cycle.

In other words, the biggest value in this move is not a specific stock tip or proprietary AI model.

It’s a reminder that a disciplined process beats hot ideas, whether you’re a Fortune 500 CFO or someone building a retirement portfolio one paycheck at a time.

Related: Bank of America shares S&P 500 warning for 2026