Who I Am

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.

What I Do

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.

Strategies to Protect Your Legacy (Optional)

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.

Let's Take your Business to the Next Level

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Protecting your present. Planning your future with financial strategies designed with purpose and vision.

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