Scottsdale skyline - wealth management for Arizona top engineers, executives, and physicians
SCOTTSDALE, ARIZONA

A Financial Advisor Who Actually Understands What You Earn and How You Earn It

You've worked hard to get where you are at one of Arizona's top companies. Now let's make sure your money is working just as hard. I help high-income professionals across the Valley turn complicated compensation into real, lasting wealth - together.

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WHO WE WORK WITH

We Work With the People Building Arizona's Future

Arizona's economy is booming - semiconductors, aerospace, world-class healthcare. If you're a professional at TSMC or Intel, at Honeywell or Raytheon, or at Banner Health, your compensation is anything but simple. Stock grants, RSU vesting schedules, deferred comp, multi-state tax issues - it adds up fast. You deserve a financial advisor who gets the nuances and won't waste your time asking what an RSU is.

Jay Chang and our team work exclusively with high-income professionals earning $150K-$800K+ at Arizona's biggest employers. We sit on the same side of the table as you and figure this out together.

Semiconductor & Microelectronics

  • TSMC
  • Intel
  • NVIDIA
  • Microchip Technology
  • Amkor Technology

Aerospace & Defense

  • Honeywell
  • Raytheon Missiles & Defense

Big Tech

  • Apple (Mesa)
  • NVIDIA

Healthcare & Life Sciences

  • Banner Health
  • Mayo Clinic Scottsdale

Mining & Natural Resources

  • Freeport-McMoRan

Your Equity Is Growing Faster Than Your Plan. We Can Help With That.

Arizona has become the center of America's semiconductor boom. If you work at TSMC, Intel, Microchip, or Amkor, your paycheck probably includes RSU grants, stock options, and performance-based equity that could be life-changing wealth - or a big tax headache if nobody is paying attention. Our team digs into the details of your specific comp package so nothing slips through the cracks.

How We Help

  • RSU & Equity Vesting Strategies
  • Concentrated Stock Risk Management
  • Relocation Wealth Planning
  • Mega Backdoor Roth Conversions
  • IPO & Liquidity Event Planning

Semiconductor & Tech Overview

What We Focus On

Equity compensation, concentrated stock, and tax-smart wealth building for semiconductor & tech professionals.

Why This Matters

The way you get paid is complicated. Without someone coordinating all the moving pieces, you could be leaving real money on the table in taxes and missed opportunities. We make sure that doesn't happen.

You Build Things That Require Precision. Your Financial Plan Should Too.

Honeywell and Raytheon professionals tend to be steady, disciplined, and loyal to their companies - and your comp structures reward that loyalty. The path to building real wealth here is methodical, and that is actually great news. It means we can build a plan together that is just as deliberate and strategic as the work you do every day.

How We Help

  • Deferred Compensation Optimization
  • Pension & Retirement Integration
  • Long-Tenure Wealth Accumulation
  • Security Clearance-Sensitive Planning
  • Executive Compensation Review

Aerospace & Defense Overview

What We Focus On

Equity compensation, concentrated stock, and tax-smart wealth building for aerospace & defense professionals.

Why This Matters

The way you get paid is complicated. Without someone coordinating all the moving pieces, you could be leaving real money on the table in taxes and missed opportunities. We make sure that doesn't happen.

You Take Care of Everyone Else. Let Us Help Take Care of Your Finances.

Healthcare professionals at Banner Health and Mayo Clinic earning $400K-$800K+ deal with a real contradiction: great income, but barely any time to manage it - plus complicated taxes, benefit complexity, and career demands on top of it all. We sit down with you and build a plan that is as thorough and thoughtful as the work you do every day.

How We Help

  • Physician Income Tax Planning
  • Asset Protection Strategies
  • Retirement Catch-Up Planning
  • Student Loan Payoff vs. Invest Analysis
  • Real Estate & Practice Equity

Healthcare & Physicians Overview

What We Focus On

Equity compensation, concentrated stock, and tax-smart wealth building for healthcare & physicians professionals.

Why This Matters

The way you get paid is complicated. Without someone coordinating all the moving pieces, you could be leaving real money on the table in taxes and missed opportunities. We make sure that doesn't happen.

Your Total Comp Is More Than a Number. It's How You Build Long-Term Wealth.

Apple's Mesa campus and NVIDIA's Phoenix engineering presence bring Silicon Valley-style compensation to Arizona. ESPP programs, multi-year equity awards, and tricky tax bracket situations all come with the territory. We help you turn stock-heavy comp packages into real, lasting wealth - not just paper gains.

How We Help

  • ESPP Optimization
  • Multi-Year Equity Projection
  • AMT & Tax Bracket Management
  • Post-Vest Diversification
  • Bonus and Incentive Planning

Large Tech Employers Overview

What We Focus On

Equity compensation, concentrated stock, and tax-smart wealth building for large tech employers professionals.

Why This Matters

The way you get paid is complicated. Without someone coordinating all the moving pieces, you could be leaving real money on the table in taxes and missed opportunities. We make sure that doesn't happen.

Commodity Prices Go Up and Down. Your Financial Plan Shouldn't.

Freeport-McMoRan professionals know what it is like to have income that swings with copper prices. When your paycheck is tied to commodity cycles, you need a financial plan that can handle the ups and downs without breaking. That is exactly what we build together.

How We Help

  • Cyclical Industry Equity Strategy
  • Executive Benefits Audit
  • 10b5-1 Plan Guidance
  • Estate & Succession Planning
  • Hedging & Risk Management

Mining & Commodities Overview

What We Focus On

Equity compensation, concentrated stock, and tax-smart wealth building for mining & commodities professionals.

Why This Matters

The way you get paid is complicated. Without someone coordinating all the moving pieces, you could be leaving real money on the table in taxes and missed opportunities. We make sure that doesn't happen.

WHY JAY CHANG AT FARTHER

A Real Advisor With Serious Technology Behind the Scenes

Most firms make you pick: either you get a great advisor who knows your name, or you get fancy technology. I bring hands-on experience with the exact financial challenges Arizona's highest earners face, backed by an institutional technology platform. You get the personal attention and the horsepower.

Fiduciary, Always

We are legally required to put your interests first. That is not a tagline - it is how we operate every day.

Tax-Loss Harvesting, Built In

Our platform automatically looks for tax-saving opportunities in your portfolio. You do not have to ask.

Smart Asset Location

We put the right investments in the right accounts so you keep more of your returns.

Flexible Investment Approach

Your portfolio adapts as your life changes - new job, new baby, new goals. We adjust together.

Institutional Tech Platform

One integrated system for portfolio management, tax-loss harvesting, and reporting in real time.

We Actually Know Your Name

I spend 90% of my time working directly with clients. You are never just a number here.

ARIZONA'S WEALTH LANDSCAPE

This Is Where High-Earning Careers Are Being Built Right Now

4.2M
People calling Greater Phoenix home
$150K-$800K+
What my clients typically earn in total comp
0%
Arizona state income tax - yes, really

Arizona has quietly become one of the most concentrated wealth corridors in the country. The semiconductor boom in Chandler and Mesa, aerospace manufacturing across the Phoenix area, world-class hospitals, and natural resource companies have created an environment where smart, hard-working people can build serious wealth - as long as they have someone helping them make good financial decisions along the way. That is where our team comes in.

COMMUNITIES WE SERVE

From Paradise Valley to the East Valley - We're Your Neighbors

Scottsdale
Desert living at its finest, close-knit professional community
Phoenix
City center, where the big employers are headquartered
Paradise Valley
Quiet luxury, established families
Tempe
Near ASU, lots of young professionals and growing tech
Mesa
East Valley, home to Intel and Apple operations
Chandler
The semiconductor corridor, where the chips are made
Gilbert
One of the fastest-growing cities, great for families
Carefree
North Scottsdale area, golf communities, and wide-open space

Questions We Hear All the Time

What is RSU vesting and why does it matter?
RSUs (Restricted Stock Units) are shares your employer gives you that vest over time. When they vest, they turn into actual shares - and the IRS treats that as regular income, taxed at your full rate right away. The big planning opportunity? Knowing when your shares vest so we can plan ahead for the tax bill, figure out the right time to sell, and make sure you are not too concentrated in one stock. We help you build a smart game plan around your vesting schedule so nothing catches you off guard.
How do I manage concentrated stock from my employer?
When too much of your wealth is tied up in one company stock, that is a lot of risk in one place. We work with you to gradually spread things out in a tax-smart way - using approaches like systematic selling, 10b5-1 plans for executives, and charitable strategies. The goal is straightforward: lower your risk without handing a huge chunk to the IRS.
What is deferred compensation and how does it fit into my plan?
Deferred comp plans (common at Honeywell, Raytheon, and other large aerospace and defense companies) let you push part of your salary or bonus into future years. It is a solid tax move, but the timing of when you actually take that money matters a lot. We help you coordinate it with your retirement accounts, investments, and overall tax situation so everything fits together like it should.
I was relocated to Arizona for my job. How does that change my taxes?
Great news: Arizona has no state income tax. If you moved from a higher-tax state, that is a big win right away. But there are other things to think about too - your employer relocation package, how to handle stock options or equity grants tied to your move, and setting up your financial life smartly in a new state. We walk through all of it with you.
How should doctors approach retirement planning with a high income?
Physicians earning $400K-$800K+ face a unique set of challenges: high income but limited room to shelter it in typical retirement plans, often significant student loans, and malpractice exposure to worry about. We tackle all of it - mega backdoor Roth strategies, the right retirement plan structure, asset protection, and coordinated tax and estate planning. You focus on your patients. We handle this part.

We also work with families and business owners in California and Nevada

OUR SCOTTSDALE OFFICE

Right Here in the Greater Phoenix and Scottsdale Area

Scottsdale, Arizona

Hours

Monday - Friday: 8:00 AM - 5:00 PM

Evenings & weekends by appointment

Service Areas

Scottsdale · Paradise Valley · Phoenix · Tempe · Mesa · Chandler · Gilbert · Carefree · Cave Creek

Let's Talk

Your Compensation Is Complicated. Getting Help Doesn't Have to Be.

Let's sit down and talk through your equity compensation, your tax situation, and where you want to be in 10 or 20 years. A direct conversation about your money.

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SEC-Registered Investment Advisor · Fiduciary Standard · Fee-Only

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