David Chang, ChFC®, CLU®

Expert Contribution: Writer, Consultant

10 YEARS OF AUTHORSHIP IN THE FINANCIAL INDUSTRY

NUMBER OF PUBLICATIONS: 263 | LAST PUBLISH DATE: 09-25-2023

David S. Chang, ChFC®, CLU® is an award-winning entrepreneur, keynote speaker, author, and consultant. He has over two decades of experience in the wealth management space and has been featured in dozens of news, radio, and podcast programs nationwide. He currently works as Head of IoT for the West Region of a Fortune 200 company. He is a graduate of the United States Military Academy at West Point and is currently a Lieutenant Colonel in the California Army National Guard. He is an East-West Graduate Degree Fellow and has an MBA from the UCLA Anderson School of Management.

Financial Areas of Expertise:

Investing, Insurance, Wealth Management

Featured in Renowned Media Publications

Equities.com, US Today from Motley Fool, Midweek, Hawaii Business Magazine, Star Advertiser

Professional Accomplishments

• InvestmentNews’ 40 Under 40 list of top advisers in the financial planning industry and FIVE STAR Multi-Year Wealth Manager (9-time winner)
• Deputy Chief of Intelligence and Task Force Leader for California National Guard’s successful response to COVID and the successful response to the largest wildfire season recorded in California's modern history.
• Created an educational blog ranked #36 of the Top 50 Financial Advisor Blogs and Bloggers by Kitces.com
• Largest Veteran-Owned Businesses Awardee and Young Business Leader of the Year 40 Under 40 by Pacific Business News; Top 40 Under 40 Military from CivilianJobs.com; Young Professional of the Year from Pacific Edge Magazine.

Education

• MBA UCLA Anderson School of Management
• BS United States Academy at West Point
• MA University of Hawaii at Manoa
• MATS Covenant Theological Seminary
• East-West Graduate Degree Fellow
• Project Management Professional (PMP)

Affiliations

• Chartered Financial Consultant
• Chartered Life Underwriter
• Goldman Sachs 10,000 Small Business Program
• Emerging Leaders Initiative Program, Executive-Level Series, SBA
• Current Top-Secret / SCI Government Level Clearance
• Asia-Pacific Group Board Member
• Wesco Veteran’s Opportunity Liaison Team (VOLT) Board Member

David's Recent Articles

• If the Fed Hikes Interest Rates Again, What Will Happen to Your Investments?
  Sep 25, 2023
  We've been living through uncertain financial times. Learn what happens when the Fed raises interest rates and how you can prepare for any market changes.
  Read More
• 5 Bank Accounts That Waive Fees for Students
  Sep 24, 2023
  From student-exclusive accounts to bank accounts that waive fees, discover five banking options that will help you stay on budget as a student.
  Read More
• Retiring in 5 Years? 10 Essential Steps You Need to Take
  Sep 24, 2023
  Retirement in five years may seem like a long way off, but it will be here before you know it. Make sure you take these …
  Read More
• This Is How Home Prices Have Changed in the Last 50 Years
  Sep 23, 2023
  Despite the record increase in nominal home prices, real home prices have sunk to their lowest level in a decade. Learn how home prices have …
  Read More
• Need to Roll Over a 401(k)? Try This Tactic to Save on Tax Payments
  Sep 14, 2023
  This tactic provides an opportunity to grow your retirement savings and reduce your tax burden in the long run. Read on to learn more!
  Read More
• Struggling to Pay Back a Personal Loan? Here Are Four Options to Help Get You Back on Your Feet
  Sep 13, 2023
  Find out how to manage your debt better and get back on track financially. Learn the four options that can help make repaying your personal …
  Read More
• 5 Ways to Plan Ahead if Retirement Contribution Limits Rise in 2024
  Sep 12, 2023
  Contribution limits are expected to rise in 2024. Take a look at the steps you can take to be prepared.
  Read More
• JPMorgan Flags $1B Worth of Transactions Related to Jeffrey Epstein and Human Trafficking
  Sep 8, 2023
  U.S. Virgin Islands says JPMorgan knew of Jeffrey Epstein’s criminal activities. Read on for the latest updates.
  Read More
• 4 Ways to Determine Which Type of Trust Is Right for You
  Sep 5, 2023
  The right trust can help you protect and preserve your assets for future generations. Learn which type of trust is best suited to fit your …
  Read More
• This Underrated Rule of Thumb Will Tell You How Much House You Actually Can Afford
  Aug 24, 2023
  Buying a home is one of the biggest decisions you have to make. Find out how much house you can afford with this helpful rule …
  Read More
• 4 Tips and Tricks to Investing During a Downturn
  Aug 12, 2023
  It's not easy investing during a recession, but with these expert tips and tricks, you can learn how to invest confidently when the economy slows.
  Read More
• How Long Does $1 Million Last Once You Retire?
  Aug 12, 2023
  Retiring soon but don't know how far your savings can take you? Check out these important factors that will determine how long your $1 million …
  Read More
• Banks Could Face New Capital Rules. Here's What That Means for Investors and Consumers
  Aug 10, 2023
  New capital requirement rules are aimed at stabilizing the banking industry and protecting consumers in an economic crisis. Check out what it means for you.
  Read More
• Investing in a Rental Property? You Need to Do This First
  Aug 6, 2023
  If you're thinking of investing in an income-producing property, take the time to make sure you can legally rent it out. Read on to find …
  Read More
• Here Is the Average 401(k) Contribution Rate -- The Amount May Surprise You
  Aug 1, 2023
  Are you making enough contributions to your 401(k)? Find out the average contribution rate and how you compare.
  Read More
• Every Single Person Should Have This Type of Trust. Here's Why
  Jul 31, 2023
  Without proper estate planning, it's almost impossible to protect assets. Find out why everyone should consider a revocable living trust and how it can benefit …
  Read More
• Investors Poured $12 Billion Into This 'Risky' Asset Last Week. Should You Invest, Too?
  Jul 31, 2023
  Recently, there has been a surge in investments in a "risky" asset that has caught the attention of many. Read on to learn why.
  Read More
• Americans Saved a Record Amount in Their 401(k)s Last year, Despite Stock Market Losses
  Jul 31, 2023
  Despite the stock market's volatility in 2022, Americans managed to save more money than ever in their retirement accounts. Read on to find out if …
  Read More
• Can I Get a Personal Loan Without a Job? The Answer Will Surprise You
  Jul 30, 2023
  Many people wonder if they can borrow money while unemployed. The good news is that even though it may seem difficult, it is possible. Find …
  Read More
• Here's When Investing in Your 401(k) Is Not a Good Idea
  Jul 30, 2023
  Saving for retirement is always a good idea, right? Explore the circumstances in which investing in a 401(k) isn't the best option.
  Read More
• The SEC Changes Regulations for Money Market Funds. Here's What It Means for You
  Jul 24, 2023
  Money market funds are a type of mutual fund. Keep reading for a breakdown of how new rules for money market funds impact consumers.
  Read More
• America's Richest Families Are Changing Up Their Investments. Here's Why
  Jul 19, 2023
  America's richest families are shifting their investments for good reason. Here are the major changes they're making to their portfolios and why.
  Read More
• You Can Put Less than $50,000 Down on a Starter Home in These 15 Cities
  Jul 16, 2023
  There are still places where homeownership has a less expensive bar to entry. Learn how you can make owning your dream home happen today!
  Read More
• Housing Costs Now Make Up Almost 40% of the Average Household Income
  Jul 15, 2023
  Home affordability has hit all-time lows. Here are practical steps you can take to reduce housing costs.
  Read More
• Investing in Women- or Minority-Led Funds? This Major Bank Is, Too
  Jul 13, 2023
  Bank of America is investing over $500 million to support diverse and women entrepreneurs. Learn why, and the positive benefits it has on the community.
  Read More