Disclosures & Legal Information

Jay Chang is an advisor at Farther Finance Advisors, LLC (“Farther”), an investment adviser registered with the United States Securities and Exchange Commission (“SEC”). Registration with the SEC does not imply a certain level of skill or training.

Jay Chang is an investment adviser representative of Farther Finance Advisors, LLC, providing wealth management services to individuals, families, and business owners primarily in Scottsdale, Arizona and the greater Phoenix area.

Farther provides investment advisory services on a discretionary and non-discretionary basis, depending on the nature of the client relationship. Advisory services include, but are not limited to, investment management, financial planning, tax strategy coordination, estate planning coordination, and retirement planning.

A complete description of Farther's advisory services, fees, and business practices is available in our Form ADV Part 2A (Firm Brochure), which is available below or upon request.

Form ADV Part 2A (Firm Brochure) →

Form ADV Part 2B (Brochure Supplement) →

Form CRS (Client Relationship Summary) →

You may also research our firm and any investment adviser representative through the SEC's Investment Adviser Public Disclosure (IAPD) database at adviserinfo.sec.gov.

Jay Chang charges an advisory fee based on a percentage of assets under management. Our fee schedule is detailed in Farther's Form ADV Part 2A Brochure.

We do not receive commissions on the purchase or sale of securities. We do not receive compensation from third parties for recommending specific investment products. Our compensation structure is designed to align our interests with our clients' interests - we are compensated based on the growth and preservation of your assets.

Clients may incur additional costs including, but not limited to, custodian fees, transaction fees, fund expense ratios, and other charges imposed by third-party service providers. These costs are separate from and in addition to our advisory fee.

For a complete description of our fee schedule and potential conflicts of interest, please review our Form ADV Part 2A and our Investment Advisory Agreement.

Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. No investment strategy can guarantee a profit or protect against loss in periods of declining values.

Different types of investments involve varying degrees of risk. There can be no assurance that a specific investment or strategy will be suitable or profitable for a client's portfolio.

Asset allocation and diversification strategies do not guarantee a profit or protect against loss in declining markets. The value of investments and the income derived from them may fluctuate, and you may receive back less than you originally invested.

Any projections, market outlook, or estimates in our materials are forward-looking statements and are based upon certain assumptions. They are not guarantees of future performance. Actual results may vary materially from those expressed or implied.

In accordance with the SEC's Investment Adviser Marketing Rule (Rule 206(4)-1 under the Investment Advisers Act of 1940), any testimonials or endorsements displayed on this website comply with the following requirements:

Testimonials: Any testimonial displayed on this website was provided by a current client. Testimonials were provided voluntarily and without compensation. The testimonial may not be representative of the experience of all clients. Past performance and individual results vary. Testimonials are not a guarantee of future performance or investment outcome.

Endorsements: If any endorsement is displayed on this website, it will be accompanied by a disclosure indicating (1) the nature of the relationship between the endorser and the adviser, (2) whether the endorser was compensated, and (3) any material conflicts of interest.

To the extent that any performance results, returns, or investment outcomes are displayed on this website or in any marketing materials:

• Performance results are historical and are not indicative of future results.
• Performance results may reflect the reinvestment of dividends, interest, and other earnings.
• Performance results do not reflect the deduction of advisory fees, which would reduce the displayed returns.
• Benchmark comparisons, if included, are provided for informational purposes only.

Farther does not guarantee any specific level of performance and does not guarantee that any client will avoid losses.

Jay Chang and Farther Finance Advisors, LLC are committed to protecting your personal information. This privacy policy describes how we collect, use, and safeguard information obtained through this website and our advisory relationships.

Information We Collect

Through this website, we may collect:

• Contact information you voluntarily provide (name, email address, phone number) through our contact form or newsletter signup
• Website usage data through analytics tools including pages visited, time on site, and referring sources
• Device and browser information for website optimization purposes

How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and schedule meetings
• Provide and improve our advisory services
• Send periodic communications (with your consent)
• Analyze website usage to improve the user experience
• Comply with legal and regulatory obligations

Information Sharing

We do not sell, rent, or share your personal information with third parties for their marketing purposes. We may share information with service providers who assist in operating our website and business, and with regulatory authorities when required by law.

Data Security

We implement reasonable technical and organizational measures to protect your personal information, including encryption of data in transit, secure hosting infrastructure, and access controls on all systems containing personal data.

Your Rights

You may request access to, correction of, or deletion of your personal information by contacting us. For residents of California, Nevada, or other states with specific privacy legislation, additional rights may apply.

By accessing and using this website (advisorjay.com), you agree to the following terms:

This website is for informational purposes only. Nothing on this website constitutes an offer, solicitation, or recommendation to purchase or sell any security, investment product, or service. The information provided is not intended as personalized investment, tax, legal, or accounting advice.

The content on this website may be updated, modified, or removed at any time without notice. While we strive to ensure the accuracy of all information, we make no representations or warranties about the completeness, accuracy, reliability, or suitability of the information provided.

All content on this website is the property of Personal Wealth Management at Farther or its licensors and is protected by applicable intellectual property laws. Links to third-party websites are provided for convenience only and do not constitute an endorsement.

If you have questions about these disclosures or our advisory services, please contact us:

You may also file a complaint or inquiry with the SEC at www.sec.gov/contact or by calling (800) 732-0330.