Helping Families and Business Owners Build with Intention

 I’m Xiaojin (Jean) Huang, CPA, founder of J.H. MoneyTalks.

I help individuals, families, and business owners make thoughtful financial decisions that lead to greater security, clarity, and long-term impact.

Too often, financial decisions are reactive—made after the fact, without a clear strategy. I believe real planning should be proactive. It should guide decisions before year-end, before major investments, and before life transitions.

My work focuses on:

• Tax planning 
• Retirement planning 
• Estate and legacy strategy 
• Wealth preservation 

In addition to my work with clients, I am also the author of Personal Finance for Teens and Young Adults: The Essential Life Skills of Making Money, Budgeting, Saving, and Investing to Build Wealth and Reach Your Dreams.

This book was created to help the next generation develop strong financial habits early—covering everything from budgeting and saving to investing and building long-term wealth. It reflects my broader mission: making financial knowledge more accessible, practical, and empowering for individuals and families.

I also believe strongly in financial education. Through seminars, workshops, and educational content, I aim to simplify complex financial topics and turn them into actionable steps.