I’m Jesus A. Chang, an advisor specializing in asset protection and business continuity based in Houston, Texas. I help business owners and multigenerational families safeguard their legacy so operations continue under any circumstance. With experience in life insurance, annuities, succession, and retirement planning, I work closely with attorneys, CPAs, and financial advisors to integrate everything into one cohesive strategy. I serve clients in English and Spanish.
I translate complex goals into actionable plans, aligning coverage, cash flow, and tax considerations. That includes the right life insurance for key people, partners, and family; well-structured indexed annuities to stabilize payroll and essential expenses; and succession design—buy–sell agreements, clear beneficiary designations, and trust coordination with your attorney—supported by collaboration with your CPA to capture tax advantages and protect liquidity. Implementation isn’t an afterthought: I handle paperwork, coordinate with legal and tax teams, and conduct annual reviews to keep coverage and amounts current as your business evolves.
Practical strategies include key-person protection to provide immediate liquidity if a critical leader is lost; partner buy–sell funding to enable orderly exits at a pre-agreed valuation; a continuity fund using indexed annuities to sustain payroll and vendors during transitions; family succession frameworks with defined beneficiaries and trust options to avoid forced sales; and tax-efficient structures developed with your CPA to leverage deferral and overall efficiency where appropriate.