Justin GirardJustin Girard, CFP®, ChFC®, CIMA®
Executive Director
Wealth Advisor

"I take a planning approach that works directly with clients to understand their financial needs and goals."

Awards and Industry Recognition

Forbes

Top Wealth Advisors Best-In State
2024 • 2023 • 2020 • 2019

About Justin

Justin Girard is an Executive Director and Wealth Advisor with J.P. Morgan Wealth Management.

As the founder of Girard & Associates, he leads a team that provides comprehensive advisory guidance to serve the sophisticated needs of high-net-worth individuals and their families.

Justin takes a planning approach and works directly with clients to understand their financial needs and goals. He develops asset allocations that enable individuals to manage their capital at an appropriate level of risk. Justin taps the award-winning research team2 and professional resources at J.P. Morgan to care for a full range of personalized requirements – banking, lending, credit, retirement, estate planning and more. He considers himself an advocate, guiding clients through the challenges of today's markets and supporting every aspect of their financial life.

As a member of the J.P. Morgan Wealth Management Portfolio Manager Program, Justin is one of a select group of advisors who manage portfolios on a discretionary basis. He is subject to regular quantitative and qualitative reviews to evaluate his ongoing strategies. This designation enables Justin to actively manage assets for individual clients. He makes use of personalized strategies, individual stocks and bonds, alternative investments, separately managed accounts and thirdparty managers.

With a career that has spanned nearly 20 years, Justin began with Morgan Stanley before moving to Merrill Lynch in 2010. He recently joined J.P. Morgan for the opportunity to deliver the power and professional resources of the organization directly to his clients.

Justin has earned many professional designations, including the CERTIFIED FINANCIAL PLANNER® certification, which enables him to formulate customized approaches that help target short- and long-term objectives. He is also a Chartered Financial Consultant® and a Certified Investment Management Analyst®. The CIMA designation was received after spending time studying and completing exams at The Wharton School of Business.

Originally from Ava, Missouri, Justin is a resident of West Palm Beach. He graduated with a B.S. in Business Management from Palm Beach Atlantic University. Justin has two lovely daughters, Selah and Adora.

CFP Board owns the marks CFP® and CERTIFIED FINANCIAL PLANNER® in the U.S. Investments & Wealth InstituteTM (The Institute) is the owner of the certification marks "CIMA," "Certified Investment Management Analyst," "CPWA," and "Certified Private Wealth Advisor." Use of CIMA, Certified Investment Management Analyst, CPWA, and/or Certified Private Wealth Advisor signifies that the user has successfully completed The Institute's initial and ongoing credentialing requirements for investment management professionals and/or wealth advisors. Chartered Financial Consultant®("ChFC®") are registered trademarks owned by The American College of Financial Services.

Insights

Retirement

How an annuity can help as you plan for retirement

October 11, 2024As you approach retirement, you may be wondering what are the next steps for your investments. An annuity may be an effective tool for you in retirement planning by providing a steady and reliable income stream.Read Now
Outlook

September 2024 CPI report: Inflation fell to 2.4%, moving closer to the Fed’s 2% target

October 11, 2024The uptick in September’s core CPI reminds us that inflation pressure hasn’t fully dissipated, which should keep the Fed on a gradual pace of rate cuts going forward.Read Now
Markets

Fourth-quarter forecast: 3 things that could affect markets

October 11, 2024We explore the potential impact of geopolitical tensions, China’s policy stimulus and U.S. elections.Read Now
Personalized guidance begins with a conversation.
Access the firm-wide capabilities of a global financial leader at your side. Take the next step to unlock new opportunities that align with your financial goals.