Hui-chin Chen


Pavlov Financial Planning

Co-owner and Financial Planner

Hui-chin Chen


Pavlov Financial Planning

Co-owner and Financial Planner

Once you work with me to define your priorities and systemize your household money decisions, you will be able to manage your finances together as a team while enjoying global living. - Hui-chin Chen, CFP®

Hui-chin Chen is a Arlington, VA financial planner. Pavlov Financial Planning specializes in comprehensive financial planning with continuous advice to help young clients work towards their financial goals and ideal lives. Hui-chin Chen is a fiduciary financial planner.

Hui-chin Chen joined Pavlov Financial Planning in 2013 and is now co-owner and financial planner. She is passionate about helping people make better decisions and take control of their financial lives. She works virtually with clients in Northern Virginia and with the globally mobile young professionals that may have financial planning needs across multiple countries. She writes about these cross-border planning topics in her blog Money Matters for Globetrotters.

Prior to joining Pavlov Financial Planning, Hui-chin was an analyst specialized in credit risk modeling and monitoring first with a Fortune 500 company, and later for a research project in India. She also pursued her love of working with people through sales and marketing activities for small organizations in Taiwan and Mexico. Her background combining quantitative expertise, creative visual design, and interpersonal skills lends her unique ability to convey technical information in a manner that is easy to understand and promotes data-driven decisions.

Hui-chin is a CERTIFIED FINANCIAL PLANNER™ and a graduate of the FPA Residency Program. She is also a member of the XY Planning Network, The National Association of Personal Financial Advisors (NAPFA), and the Financial Planning Association. She holds a Master of Science degree in Public Policy and Management from Carnegie Mellon University, and a Bachelor of Business Administration degree from National Taiwan University. In addition to English, Hui-chin speaks fluent Mandarin Chinese and Taiwanese, and is conversational in Spanish and Japanese.

Hui-chin Chen's fiduciary obligation is governed by:

  • Certified Financial Planner (CFP)
  • National Association of Personal Financial Advisors (NAPFA)
  • XY Planning Network

Pavlov Financial Planning was started in 2010 to serve common people in uncommon ways. We feel the pain of our generation struggling to find quality financial advice at an affordable price while being sold unnecessary financial products or being pushed away by large wealth management firms. This is why we dedicate ourselves to provide fee-only financial planning for young professionals who want to have comprehensive understanding of their finances, are ready to get their finances in order to start building wealth and meet their goals, and welcome a little nudge to take action from time to time.

With the needs of the new generation in mind, we established Pavlov Financial Planning to be an independent and fee-only investment and financial advisory firm. We are a Registered Investment Advisor firm with the Commonwealth of Virginia, and are legally required to put the interests of our clients ahead of our own. This is our fiduciary duty. We also adopt the CFA Institute Code of Ethics and Standards of Professional Conduct.

We were recognized as winners of the Arlington Best Business Awards in 2015.

(A Registered Investment Advisor is required to provide its customer regulatory disclosure Form ADV Part 2.)

Learn Why Fiduciary Matters When Choosing a Financial Advisor:


  • Comprehensive Financial Planning with International Cross-Border focus
  • Define Your Priorities
  • Develop Household Financial System

Ideal Clients

  • Married Couples in 20s to 40s
  • With complex financial lives scattered around the world
  • Those who want to develop good habits and make better decisions

Working Together

  • Virtual Meeting Only
  • No-Cost Initial Consultation
  • Annual Membership Paid Monthly
  • Consultation Sessions

Professional Designations & Affiliations

  • Certified Financial Planner (CFP)
    Hui-chin Chen is CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • National Association of Personal Financial Advisors (NAPFA)
    Hui-chin Chen is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • XY Planning Network
    Hui-chin Chen is a Member of the XY Planning Network

    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.

  • Financial Planning Association
    Hui-chin Chen is a member of The Financial Planning Association® (FPA®)

    FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.

Contact Hui-chin Chen

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