Youya Wealth LLC

Measured counsel for families of significant wealth.

Fee-only. Fiduciary. Bilingual. Designed for the complexity you've earned.

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100%
Fee-Only
2
Languages
$10M+
Net Worth Minimum
Fiduciary
Standard of Care
What We Do

Specializations built for the complexity of serious wealth.

Four interconnected disciplines — rarely found under one roof, never behind a sales quota.

01

Tax-Efficient Wealth & Estate Planning

Multi-year tax strategy, charitable giving structures, and estate optimization that compound over generations.

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02

Equity Compensation Planning

From 83(b) elections to pre-IPO tender offers — turning equity grants into lasting, tax-efficient capital.

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03

Estate, Trust & Legacy

GRATs, SLATs, dynasty trusts, and family governance frameworks that protect and transfer wealth.

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04

Cross-Border Wealth Planning

US-China tax treaty navigation, FBAR/FATCA compliance, and coherent planning across two systems.

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Our Approach

Independent. Fiduciary. Deeply integrated.

We serve a small number of families with exceptional thoroughness. Every relationship begins with the full picture.

01

Comprehensive discovery

We start with a full financial inventory — investments, tax history, business interests, estate documents, cross-border exposures. Nothing is addressed in isolation.

02

Integrated planning

Tax, estate, equity, and investment strategy are designed together, not in sequence. The interactions between disciplines are where the most value is created.

03

Ongoing stewardship

Tax law changes, markets move, and families evolve. We monitor continuously and advise proactively — not just when you call.

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The Team

Credentialed advisors across law, tax, and planning.

Multiple professional designations working in concert — for one client — is rare. That coordinated depth is what we offer.

Bray Zhang, MBA, CFP® — Lead Wealth Advisor & Managing Partner
MBA, CFP®
Bray Zhang
Lead Wealth Advisor | Managing Partner

Bray brings a rare combination of financial planning expertise, tax-aware investment insight, and entrepreneurial fluency. As a CFP® professional, he advises on equity compensation, cross-border tax strategy, and long-term investment management.

Equity Compensation Cross-Border Planning Tax Strategy
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Shirley Nelson, JD, CFP® — Lead Wealth Advisor & Partner
JD, CFP®
Shirley Nelson
Lead Wealth Advisor | Partner

Shirley combines the legal precision of a practicing attorney with the holistic vision of a CFP®. Her dual-credentialed background bridges legal strategy with financial execution — a combination rarely found in a single advisor.

Estate & Trust Tax Law Wealth Structuring
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Meet the full team
Who We Serve

Built for families whose wealth demands more than standard advice.

UHNW Families ($10M+)

Multi-generational families with complex planning needs across tax, estate, and investment strategy.

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Startup Founders & Executives

Equity-heavy wealth, imminent liquidity events, concentrated positions, and AMT exposure that require specialized expertise.

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Chinese-American Families

Bicultural priorities, cross-border assets, PRC pension coordination, and US-China estate planning — handled bilingually.

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Business Owners

Pre-sale tax planning, succession structuring, and the transition from concentrated business capital to diversified personal wealth.

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Insights & Advice

Practical guidance, written for families who think long-term.

All articles
Equity Compensation

RSUs vs. ISOs: A 2026 Tax Planning Guide for Executives

Understanding the tax treatment of different equity compensation types can save executives six figures or more at vest and exercise.

May 1, 2026 7 min read
Cross-Border Planning

Cross-Border Wealth Planning: What Chinese-American Families Need to Know

Navigating US-China financial complexity requires more than a translator — it demands advisors who understand both systems deeply.

Apr 10, 2026 8 min read
Estate & Trust

The GRAT Strategy: Transferring Wealth in a High-Interest-Rate Environment

Grantor Retained Annuity Trusts remain one of the most powerful estate planning tools available — even when interest rates are elevated.

Mar 28, 2026 9 min read
Get Started

The first conversation is always about the full picture.

No obligation. No product pitch. Just an honest assessment of whether we can help — and how.

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