Expert to help



Reality Changers will provide you with the unique opportunity to strategize with Chau Lai, maximizing the efficiency of your charitable giving. Chau and her team will work with you to envision a superior financial future, then help you, step by step, build towards that future. She does this by showing you a clear picture of where you are today and listening to your concerns for tomorrow, which includes retirement income, the inheritance you will leave behind, and the legacy you leave to Reality Changers. By recognizing your desires and spotting the things that must change, they can help you build financial wealth by reducing taxes through charitable giving, as you create a richer life for yourself and your families.



  • Park Avenue Securities
  • Phone: (858) 550-9312
  • E-mail: chaulai@chauqlai.com

  • Since 1997, Chau Lai, CFP®, ChFC® has established a career of working with business owners and highly compensated professionals to make sound personal and business financial decisions. Her comprehensive financial analysis and planning help address: retirement income planning, investment analysis, risk management strategies, cash flow analysis, business succession, tax-efficient strategies, charitable planning, and estate planning.

    Chau knows that strong personal and professional goal alignment is every bit as critical as choosing the right investment vehicles. By facilitating an environment for couples to enjoy learning about money and wealth together, Chau enables them to apply their learning to help them to produce meaningful outcomes which support their personal and professional goals. She combines an extensive knowledge of sound financial strategies and products with a deep commitment to understanding her clients’ individual concerns.

    The result is an integrated approach to managing her clients’ finances over the course of their lives; during all stages of personal and business growth. Her personal and professional approach to financial matters equips her clients with the knowledge, resources, and tools needed to reach, maintain and enhance their financial wellness.

    She welcomes an opportunity to do the same for you.

    CA Insurance License #0C08038 Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS), 3585 Maple Street, Ste. 140, Ventura, CA 93003, 1-323-255-8800. Securities products/services and advisory services are offered through PAS, a registered broker/dealer, and investment advisor. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. Pacific Advisors, Inc. is not an affiliate or subsidiary of PAS or Guardian. Insurance Products offered through Pacific Regional Insurance Services, a DBA of Pacific Advisors, Inc. Pacific Advisors, Inc. is not an independent Registered Investment Advisor. PAS is a member of FINRA, SIPC 2018-56260 Exp 3/20