thank you for the helpful insight. what a shame. but what about the JPMR CC? if youre over 5/24 you still cant get it w/ PB? looks like I need to change my app strategy then.

i definitely plan to use JPM PB for its proprietary product/service offerings vs just a securities custodian. i also dont plan to subscribe to any of their actively managed internal products unless i have to. but everything depends on the quality of advisors assigned to me and my relationship with them. Im not delusional about the "entry level" JPM PB at only $10M AUM. i would be seen as a mere worthless peasant beggar.

IMHO, JPM PB is the new CPC. the current form of CPC is simply a mass affluent prospecting tool for chase. if you want true PB, that starts at the $25M+ AUM level just like goldman. actually, the $25M+ is only entry level for goldman and requires $100M+ for their real PB private wealth mgmt service. but goldman is aggressively trying to compete at the lower tier retail market with credits cards, Marcus, and lowering their entry level tier to match JPM at $10M AUM. however, at the $10M AUM level, its highly likely they push BS high fee generic mass market products to me for their own commission. im more interested in other services.