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Helping You Be Wealthy and Stay Wealthy
Promoting Positive Behavior to Make SMARTER Decisions and Live a SMARTER Life
MoreHelping You Be Wealthy and Stay Wealthy
Promoting Positive Behavior to Make SMARTER Decisions and Live a SMARTER Life
MoreWelcome to The Art of Thinking SMARTTM
Are you ready to make better decisions, maximize your potential, and live a SMARTER life? Don’t wait any longer!
S – Start! Don’t Delay.M – Measure. Manage Your SMART Plan.
A – Accounts. Get them open and start funding them.
R – Rebalance. Reallocate Your SMART Investments.
T – Track. Monitor your SMART Plan.
E – Education. Continue to get SMARTER.
R – Readjust. Life happens, progress don’t regress.
The Four Laws to Be Wealthy and Stay Wealthy
With today’s economy making it more difficult to pursue a profession and lead a less stressful life, it is becoming even more important to have the SMART skills needed to live the life you were meant to live.

SMART Personality
Your Wealth is interrelated to your habits and behavior.
Learn More
SMART Strategies
Your Wealth is built using a simple formula for financial freedom.
Learn More
SMART Investments
Your Wealth must generate more Wealth using the three most powerful investments.
Learn More
SMART Implementation
Your Wealth isn’t built on knowledge, but disciplined action.
Learn MoreThe Four Laws to Be Wealthy and Stay Wealthy
With today’s economy making it more difficult to pursue a profession and lead a less stressful life, it is becoming even more important to have the SMART skills needed to live the life you were meant to live.

SMART Personality
Your Wealth is interrelated to your habits and behavior.
Learn More
SMART Strategies
Your Wealth is built using a simple formula for financial freedom.
Learn More
SMART Investments
Your Wealth must generate more Wealth using the three most powerful investments.
Learn More
SMART Implementation
Your Wealth isn’t built on knowledge, but disciplined action.
Learn MoreThe Four Laws to Be Wealthy and Stay Wealthy
With today’s economy making it more difficult to pursue a profession and lead a less stressful life, it is becoming even more important to have the SMART skills needed to live the life you were meant to live.


SMART Personality
Your Wealth is interrelated to your habits and behavior.
Learn More

SMART Strategies
Your Wealth is built using a simple formula for financial freedom.
Learn More

SMART Investments
Your Wealth must generate more Wealth using the three most powerful investments.
Learn More

SMART Implementation
Your Wealth isn’t built on knowledge, but disciplined action.
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What You Should Know About Creating A Powerful and SMART Business Brand
By David S. Chang
credit Every business has a brand. 59% of customers like to buy products from brands that are familiar … Read More →
How SMART Businesses Can Adapt in Today’s Rapidly Changing Market
By David S. ChangIn today’s digital age, businesses need to adapt quickly to survive. The fast pace of technological advances often means that small businesses can be left behind. Not only do they need to continue to adapt digitally, but they must also deal with regulatory issues. With the recent implementation of the General Data Protection Regulations (GDPR)…
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SMART Finance Tips for Veterans Transitioning to Civilian Life
By David S. ChangMany servicemembers who faithfully served our country can have a challenging transition, especially when it comes to finances. Thankfully, there are many resources and organizations that can help ease veterans way back into civilian life. Here are some helpful tips to follow! Take Advantage of GI Bill and Veteran Affairs (VA) Benefits Many people join…
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4 SMART Skills You Need As A Business Leader
By David S. ChangA business owner has to wear many hats. There are some skills and roles you will need to fulfill until you can delegate them as you expand. However, there are some skills that you will need regardless of how big your company becomes. Here are the SMART skills that ever successful business owners needs. Time…
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“David Chang is a business genius and guru. I had a ringside seat and watched him write the kernel of his business plan on a single page of notebook paper while we were both deployed to Iraq. His vision, ethic, passion for excellence and an unbridled commitment to work hard for his customers and stakeholders turned that kernel into a burgeoning enterprise. Follow his advice, it will lead to success!”
Ray Santillano
MBA, DFMCP3
Need Advice?
If you need help to get your finances, life, business, organization, or relationships in order, then I can help.
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Recommended Resources
Part of SMART Thinking is using and leveraging the skills and expertise of others. I put together this page to give you the resources I use and what I recommend. I will update this page over time so please bookmark it and check frequently!
Check Them Out!
Get ATS Updates in Your Inbox!
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Get ATS Updates in Your Inbox!
Get the latest from the ATS blog delivered right to your inbox!
[fl_builder_insert_layout id=”60″ type=”fl-builder-template”] Hit This Button NOW to Get FREE Updates!