We're very sorry to hear about your loss and are here to help

We know that settling your loved one’s financial affairs can be complicated and we're here to guide you through this difficult time.

Here’s how to navigate the loss of a loved one

Step 1: Notify us
Step 2: Provide beneficiary or fiduciary information
Step 3: Complete and return your forms
Step 4: Receive your assets

Notify J.P. Morgan of a client’s death

Call 1-800-648-4782 or visit a local branch.

Required decedent information:

The decedent’s full legal name
Their Social Security Number
A copy of the decedent’s death certificate (you can provide it when you notify us or once it is available)
Investment account numbers (if available)

After J.P. Morgan has been notified of a client’s passing, as a beneficiary or a fiduciary of the estate of the decedent, you’ll need to contact us and provide additional required information to begin the payout process:

Call 1-800-648-4782 or visit a local branch.

Requested beneficiary and/or fiduciary information:

Full name
Social Security Number (recommended)
Contact email
Mailing address
Relationship to the decedent

You may have to provide additional documentation depending on the type of brokerage account held by the decedent.

As a beneficiary or a fiduciary of the estate of the decedent, you’ll receive forms to provide instructions to disperse the assets in the decedent's account.

Once you complete the forms and provide any additional required documentation, please return all the documents and completed forms using the instructions enclosed in the packet.

Transferring the assets to an existing J.P. Morgan investment account may be the most efficient way to receive your assets. If you don’t have an account with us, you may consider opening one to receive your inherited assets. Learn more

Once we review and approve your documents, the assets will be dispersed per your instructions.

Losing a loved one: Tasks you may not want to delay

The loss of a loved one is an incredibly difficult and stressful period. Having a list of items to take care of, and preparing in advance as much as possible, can help make those trying moments a little less stressful.

Need help with your inheritance?

Our advisors have industry-leading expertise and can assist you with questions about your inherited assets.

To get started, call 1-855-256-2178 to speak with a J.P. Morgan team member Monday–Friday from 8 AM to 9 PM ET.

You can also fill out a form and we’ll contact you.

Start education planning

Frequently asked questions

Who can report a Chase client’s death?

Anyone who has the necessary documentation.

Who can obtain information related to the decedent’s account?

Account information will only be provided to certain parties with legal authority to receive the information, which may include: The fiduciary of the estate, attorney acting on behalf of the estate of the decedent or a TOD/IRA beneficiary. Account information will not be shared with anyone other than an authorized party.

What documents are required?

The required documentation is determined by the type of brokerage account held by the decedent.

Required documents generally include:

Copy of the death certificate with a visible seal;
Copy of the court appointment designating an executor/administrator, dated within 12 months (court seal must be visible); and
Payment distribution forms (provided by J.P. Morgan Securities Estate Settlements)

Additional documents:

An affidavit of domicile and debts, tax waiver form, apostille seal, U.S. transfer certificate or certificate of translation may be required depending on the decedent’s domicile at the time of their death
Guardianship documents will be required for minor or otherwise incapacitated beneficiaries
W8-BEN (where the beneficiary isn't a U.S. citizen or other U.S. person)
If a trust is listed as a beneficiary on the account, additional documentation will be required

What happens after I provide the required documentation?

A specialist will review your documentation and if it’s acceptable, we’ll begin processing the requested transfer(s) per the instruction provided. If the documentation is rejected for any reason, you’ll be notified.

What are the methods for receiving inherited funds?

Internal transfer to J.P. Morgan Wealth Management account
ACH to a Chase account
Check

How you receive your inherited assets may have tax and other planning implications. Please discuss with your accounting, tax or legal professional.

How long does it take to receive funds?

The time it will take to receive your distribution depends on the account type, specific assets held in the account, the elected payment and how quickly beneficiaries/inheritors properly complete the paperwork and provide all required documentation. Most transfers are completed in a few weeks.

How do I elect a step up in the cost basis of assets held in the decedent’s account?

Complete the “Valuation Request” form and choose the type of step-up you are requesting in section “2—Request to Step Up Cost Basis.” This election should be made prior to requesting distributions from the account.

What if my loved one had multiple account types with Chase?

If your loved one had multiple accounts with us—such as a savings or checking account and a mortgage, credit card or other type of account—we can help. We'll go over your options, provide you with any forms you need to fill out and help you handle your loved one's finances as quickly as possible. Call 1-866-926-6909 or visit a local branch to work with one of our advisors.

LEARN MORE ABOUT OUR FIRM AND INVESTMENT PROFESSIONALS AT FINRA BROKERCHECK.

To learn more about J. P. Morgan’s investment business, including our accounts, products and services, as well as our relationship with you, please review our J.P. Morgan Securities LLC Form CRS (PDF) and Guide to Investment Services and Brokerage Products.

Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. Past performance is not a guarantee of future results.

JPMorgan Chase and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for tax, legal or accounting advice. You should consult your personal tax, legal and accounting advisors for advice before engaging in any transaction.

Asset allocation/diversification does not guarantee a profit or protect against a loss.

Bank deposit accounts, such as checking and savings, may be subject to approval, credit card and home lending products are offered by JP Morgan Chase Bank N.A. Member FDIC.

Chase Mobile ® app is available for select mobile devices. Enroll in Chase Online℠ or on the Chase Mobile ® app. Message and data rates may apply.

J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member 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. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

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