Jay Chang

Jay is a Wealth Advisor known for his clarity and thoughtful guidance, helping new retirees and Ultra Mass Affluent families with $10 million+ in assets navigate their financial lives with confidence. With over 12 years of experience as a Senior Financial Consultant, he specializes in simplifying the complexities of retirement income planning, investments, tax strategies, and estate considerations. Jay also brings deep expertise in corporate retirement programs—including pensions, 401(k)/TSA plans, and benefits from employers such as PG&E, AT&T, Kaiser Permanente, Chevron, Northrop Grumman, Boeing, and Raytheon—often acting as a complement to HR teams while serving as his clients’ trusted fiduciary advisor. His background at Vanguard and Charles Schwab, paired with entrepreneurial experience in real estate, retail, and e-commerce, gives him a unique, well-rounded perspective on building and preserving wealth.

His passion for retirement planning is deeply personal. As a second-generation Korean American born and raised in Arizona, Jay watched his immigrant parents work tirelessly to build businesses and provide for their family. Their success, though inspiring, revealed the gaps created by the absence of structured financial planning. That experience continues to fuel his mission: helping families transform years of hard work into lasting security, comfort, and legacy.

Beyond his work, Jay has been married for over a decade to his wife, an accomplished ceramic potter. Together, they are raising a daughter and son in Arizona, where family life is joyfully full with sports, camping trips in his beloved 4Runner, and the company of their two dogs, Eevey and Lucky. When he’s not advising clients or cheering on his kids, Jay can often be found golfing, bowling, or finding new ways to embrace life’s adventures.