Meet Jay Chang
I help individuals, families, and nonprofits navigate financial transitions with clarity. Whether it's retirement planning, investment strategy, or institutional stewardship, the work starts with understanding your situation and building a plan around it.
Over 13+ years, I've worked with pre-retirees, widows, families going through divorce, business owners, and nonprofit boards. Most of my relationships start through introductions and referrals, and today that work spans clients and organizations nationwide.
My background includes formative years at Vanguard and Charles Schwab, where I learned that the best planning starts with listening. Before that, I built businesses in real estate, retail, and e-commerce, which gives me a practical lens when it comes to building, managing, and protecting wealth.
I work with entire families, not just one decision-maker. That means coordinating investment strategy, retirement planning, and estate planning into one cohesive plan, with a team behind me that brings together tax, legal, and portfolio expertise.
Community matters to me. I'm a member of the Association of Fundraising Professionals and AZ Impact for Good, and I work with nonprofits as both an advisor and a fundraising strategist. When there's an opportunity to get involved with my family, we do.
Outside of work, I spend time with my family, travel, woodwork, and explore Arizona's unpaved roads in my 4Runner. My wife is an accomplished potter. At home, life is full with our two children, two dogs, a leopard gecko, and a Mexican black kingsnake. I live to eat, not eat to live.
The Decisions That Matter Most Usually Come at the Hardest Times.
The families and organizations I work with don't need a stock picker. They need someone who understands their full picture: income, taxes, benefits, estate, and how it all connects.
Some of the most important financial decisions land when emotions are at their highest: the loss of a spouse, a divorce, a sudden inheritance, a forced retirement. These aren't moments for a generic playbook. They're moments where someone needs to slow things down, think clearly on your behalf, and help you move forward without making decisions you can't undo.
I focus on the work that has the biggest long-term impact: withdrawal sequencing, Roth conversions, pension timing, IRMAA planning, and making sure nothing gets left on the table. For nonprofits, the approach is the same: understand the mandate, build the right governance framework, and stay close as things evolve. That includes cash management strategies, endowment oversight, long-term sustainable growth planning, and helping boards make confident decisions about their organization's financial future.
It Starts With a Conversation.
A real conversation about where you are and where you want to be.
Confidential · Available nationwide