Justin GirardJustin Girard, CFP®, ChFC®, CIMA®Executive DirectorWealth Advisor
Awards and Industry Recognition
Forbes
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 team1 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 third-party 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.
1Source: Institutional Investor, 2023.
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
Estate planning in a low interest rate environment
March 11, 2025Low interest rates may provide an opportunity to transfer wealth with little or no gift tax cost.Read Now
US unemployment ticks slightly higher, economy adds 151K jobs in February
March 10, 2025The February 2025 jobs report was slightly weaker than expected and the unemployment rate ticked up. How might the Fed react and what does the data mean for investors?Read Now
Tariff delays: Uncovering the most impacted sectors
March 7, 2025We examine the impact of tariffs on key sectors and what it means for investors.Read Now
Eye on the Market Energy Paper: Heliocentrism
March 4, 2025In the 15th annual Eye on the Market Energy Paper, Michael Cembalest dives into the speed of the renewable energy transition, tariffs and more.Read Now
How to prepare for Tax Day as a small business owner
March 4, 2025Taxes can be daunting, but keeping organized records and knowing the rules for your type of company can help. Read about how you can tackle Tax Day like a pro.Read Now
Navigating rate risks: How bonds are better positioned in 2025
February 28, 2025Higher yields make bonds a strategic choice for investors looking to navigate the complexities of rate changes and Trump administration policies in 2025.Read Now
Options for your 401(k) when you leave a company
February 24, 2025Maybe you’re retiring, or you’ve found another job, or perhaps you’ve become unable to work or are simply taking some time off; whatever your situation, it’s important to decide what to do with your old 401(k).Read Now
Act now to lower your tax bill
February 24, 2025While taxes are inevitable, the amount you owe may not be. Here are 13 tax-planning moves to consider that could help you handle your 2024 U.S. taxes and prepare for a changing landscape in 2025.Read Now
Managing your stock awards to grow your wealth
February 24, 2025Uncover strategies to enhance the value of your newly vested shares and align your choices with your long-term wealth goals.Read NowEstate planning in a low interest rate environment
March 11, 2025Low interest rates may provide an opportunity to transfer wealth with little or no gift tax cost.Read NowUS unemployment ticks slightly higher, economy adds 151K jobs in February
March 10, 2025The February 2025 jobs report was slightly weaker than expected and the unemployment rate ticked up. How might the Fed react and what does the data mean for investors?Read NowTariff delays: Uncovering the most impacted sectors
March 7, 2025We examine the impact of tariffs on key sectors and what it means for investors.Read NowEye on the Market Energy Paper: Heliocentrism
March 4, 2025In the 15th annual Eye on the Market Energy Paper, Michael Cembalest dives into the speed of the renewable energy transition, tariffs and more.Read NowHow to prepare for Tax Day as a small business owner
March 4, 2025Taxes can be daunting, but keeping organized records and knowing the rules for your type of company can help. Read about how you can tackle Tax Day like a pro.Read NowNavigating rate risks: How bonds are better positioned in 2025
February 28, 2025Higher yields make bonds a strategic choice for investors looking to navigate the complexities of rate changes and Trump administration policies in 2025.Read NowOptions for your 401(k) when you leave a company
February 24, 2025Maybe you’re retiring, or you’ve found another job, or perhaps you’ve become unable to work or are simply taking some time off; whatever your situation, it’s important to decide what to do with your old 401(k).Read NowAct now to lower your tax bill
February 24, 2025While taxes are inevitable, the amount you owe may not be. Here are 13 tax-planning moves to consider that could help you handle your 2024 U.S. taxes and prepare for a changing landscape in 2025.Read NowManaging your stock awards to grow your wealth
February 24, 2025Uncover strategies to enhance the value of your newly vested shares and align your choices with your long-term wealth goals.Read Now