FAQ

What is My Financial Plan?

My Financial Plan is a financial planning tool available to American Express® Card Members. Once you enroll, you’ll be guided through a series of questions to collect information about you and your financial goals. After completing a few steps, you’ll have access to an interactive financial plan designed to help you visualize and track progress toward your goals. You can adjust your plan at any time as your financial circumstances change. You’ll also have the ability to consider the potential impact of large purchases, future goals, and much more using the integrated “life events” feature. My Financial Plan works as a financial roadmap you can easily reference to plan, project, and adjust your finances as needed over time.

How do I connect my bank and financial account?

Connecting a bank or financial account through Plaid allows changes in your assets to be automatically updated in your financial plan. You can connect to a bank or financial account during the onboarding process the first time you use My Financial Plan. Additionally, you can connect more accounts through the “adjust your financial profile” link under your Net Worth figure in your homepage.

How do I reconnect, edit, or remove a bank account from My Financial Plan?

If any of your bank or financial account information is no longer accurate, you can easily reconnect, edit, or remove accounts through the “adjust your financial profile” link under your Net Worth figure in your homepage. In this section, you will see a list of all associated bank or financial accounts, with the ones needing special attention highlighted.

For each account you can:

Edit login details

If you've recently changed the password or username on any of your accounts, you can use the “edit login details” button to reenter them so the account can continue syncing properly.

Hide this account

Hiding an account means that we will no longer consider that account’s information in your financial plan, but the account will not be deleted from My Financial Plan. You can unhide an account at any time but it may take a few minutes for My Financial Plan to start syncing your account again.

Delete this institution

Deleting an institution will remove the institution, the account, and any other accounts associated with it. This will also permanently remove any data associated with the institution and its associated accounts from My Financial Plan. If you want to remove a specific account, but not all accounts at that institution, choose the “hide this account” option.

How does My Financial Plan use my data?

My Financial Plan uses the data from your linked American Express® accounts, the data that you have manually entered, and the data from other bank and financial accounts you shared through Plaid to provide the insights you may need. You can choose to delete your My Financial Plan account at any time and your account data will also be deleted.

How do I change my current age in My Financial Plan?

If the age that you entered upon first using My Financial Plan is not accurate, you can change it anytime. After signing up for a My Financial Plan account, click on your user icon on the top right corner of your homepage, then select the “change your birth date” option.

How do I change the time period my plan covers?

If you would like to adjust your plan to cover a more limited time period, you can click into “add life events” in your home page, then add an End of Life event to your timeline. This event allows you to specify the age where you would like your plan to terminate. Your plan will adjust accordingly once you bring this event onto your timeline.

What is Plaid?

Plaid is a financial services company that manages a data transfer network that powers financial technology and digital finance products and connects to financial institutions. My Financial Plan uses Plaid to pull in information from your various bank and financial accounts into My Financial Plan. If you want Plaid to share your financial information with My Financial Plan, you must agree to the Plaid End-User Privacy Policy and you will need to provide Plaid with your login credentials for those accounts. Using your login credentials, Plaid will pull in financial data from your accounts into My Financial Plan.

How do I delete My Financial Plan profile?

If you would like to delete your My Financial Plan profile, you can easily do so through clicking on your user icon on the top right corner of your homepage, then selecting the “delete your account” option. This option deletes all your personal and account data alongside your My Financial Plan profile.

How much does My Financial Plan cost?

My Financial Plan is free for American Express Card Members.

Does My Financial Plan offer comprehensive financial planning?

My Financial Plan is a roadmap designed to help you manage your finances and track progress toward specific goals that you identify. It is not intended to be a comprehensive financial plan that addresses all of your long-term financial needs. My Financial Plan does not offer tax or legal advice, nor does it recommend an investment in any particular security, instrument, trading or investment strategy. The suggested actions and other guidance provided through My Financial Plan are offered solely for your consideration and it is up to you to take any further action. My Financial Plan does not review, monitor, or implement the suggested actions and other guidance. Please refer to the My Financial Plan Terms of Use for more information.

Projections and forecasts regarding the likelihood of various investment outcomes or your ability to achieve a particular goal are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.

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