Everything an Arizona Household Needs to Plan Around, in One Place.
Arizona has a 2.5% flat tax, dollar-for-dollar charitable credits, no estate tax, and some of the last real pensions in the country at its biggest employers. That is a lot of advantage to leave on the table, and most people do. I'm Jay Chang, a fiduciary wealth advisor based in Tempe, and this is my working map of Arizona planning: the tax rules, the retiree and relocation questions, and the employer-specific guides for the companies that define the Valley.
Schedule a conversation with JayLow Tax, Real Pensions, and Rules Transplants Miss
Arizona rewards people who understand it. The flat 2.5% rate makes it an unusually good place to do Roth conversions and realize gains. The state exempts Social Security and has no estate tax. Its charitable credits pay back dollar-for-dollar. And employers like Mayo Clinic, SRP, and Boeing still run benefit stacks that most of corporate America dismantled years ago. The guides below turn each of those advantages into something you can actually use.
Arizona Tax, Explained
Family & education
Retiring in Arizona, or Moving Here
Planning Built for Your Employer
The benefit stack at a big Arizona employer, the pension formula, the match quirks, the equity plan, the deferred comp, is where the real money hides. These guides are built from each company's own plan documents.
Utilities & telecom
Aerospace & defense
Finance & other
Across the Valley
Based in Tempe, serving the Phoenix East Valley in person and clients statewide by video.
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Arizona hands you the advantages. A plan makes sure they reach you.
Whether it's the credit stack, a pension election, an equity plan, or a move to the state, I help Arizona households turn the rules into a plan built around their life.