About PFP

Pavlov Financial Planning was born in 2010 to make complex financial decisions approachable. From the Founder to the current owner, we have always enjoyed working with people who see things from a global perspective.

As a first generation immigrant to the US and a globally mobile professional, I know firsthand how much time and energy goes into making prudent financial decisions involving ties in more than one country.

I have felt the pain of not getting the financial advice I needed when I:

  • Married someone from another country
  • Became a US permanent resident and then dual citizen
  • Moved globally for work
  • Dealt with family affairs outside of the US
  • Returned to the US after living overseas

This is why I dedicate myself to help those who are and will be in the same boat. We have explored the options so I can guide you through them. Together we will structure your finances in a way that will allow you to enjoy global living.

Hui-chin Chen, CFP®

Hui-chin Chen, CFP®

Owner and Financial Planner

Hui-chin Chen, CFP® is the owner of Pavlov Financial Planning. She has been a financial planner with PFP since 2014, and took the full reign from the Founder of the firm in early 2018.

In 2017, Hui-chin was named one of the 40 under 40 Financial Advisors by InvestmentNews. She has also been featured in news outlet such as Forbes, CNN, CBS News, CNBC, and Bloomberg.

Hui-chin specializes in guiding globally mobile professionals to simplify, organize, and make good decisions for their complex financial lives scattered around the world. She particularly enjoys helping couples in their 20s to 40s become true financial partners and work together as a team. She writes about the intersection of global living and financial planning on her blog Money Matters for Globetrotters.

In addition to English, Hui-chin speaks fluent Mandarin Chinese and Taiwanese, and is conversational in Spanish and Japanese. She has gained personal planning experience living and working in six countries in the past 10 years. Hui-chin is 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.

See below for more information.

Hui-chin's latest blog posts


Hui-chin's Youtube Channel

Press Mentions

How Roth IRAs Can Help in an Emergency – Nerdwallet / January 17, 2018

I Am a Foreign National — What Should I Do With My 401(k)? – Magnify Money / January 5, 2018

Are you Retirement Ready – Foreign Service Journal / January 4, 2018

How to Get Through the Holidays When You Can’t Afford Them – GoBankingRates/ November 28, 2017

How to buy a home without a mega down payment – CNN Money / October 26, 2017

3 Ways to Ruin Your Investing Strategy – U.S. News and World Reports / September 8, 2017

What you should know about retiring in a foreign country – CBS News / July 31, 2017

How to switch careers and still reach your retirement goals – CNBC / June 17, 2017

Relocating for Retirement? 5 Factors to Consider – The Fiscal Times / April 26, 2017

10 Questions Financial Planners Wish You’d Ask – U.S. News and World Reports / April 25, 2017

Get ‘em in the door when they are young – Financial Planning / April 13, 2017

7 Money Rules Freelancers Should Live By – Magnify Money / March 23, 2017

How to Use Your Health Savings Account (HSA) as a Retirement Tool – Magnify Money / March 17, 2017

How Millennials Can Avoid Working Until Age 75 – Investopedia / February 11, 2017

5 Ways To Start Married Life With Extra Cash – Forbes / October 31, 2016

6 Steps To Make The Most Of Your Money Before 30 – Prosper and Thrive by Santander Bank

Pay Up! How Renters With Roommates Should Divvy Up Expenses – Trulia’s Blog / October 31, 2016

How Do Secured Credit Cards Work? – MyBankTracker / October 6, 2016

Holistic financial planning benefits clients, advisors – Mass Mutual

Watch out, more workers want company stock – CNBC / September 17, 2016

Origin Stories, Part 3: ‘I Decided to try planning myself’ – Financial Advisor IQ / August 26, 2016

Ask Brianna: Do I Really Need a Budget in My 20s? – Associated Press / August 16, 2016

401(k) for Foreign Nationals: What to Do as a Permanent Resident or Visa Holder – Captain401 / August 4, 2016

37 tips to save on travel from the experts – Bald Thoughts / August 4, 2016

Financial advisers’ secrets for starting and keeping an emergency fund – Bankrate / June 21, 2016

Millennials challenged by funding modern retirement – CNBC / June 15, 2016

Keep The Financial Sun Shining On Your Clients – InsuranceNewsNet.com / May 31, 2016

To Lock In Better Deals, Advisors Negotiate With Their Vendors – Investor’s Business Daily / May 20, 2016

Here’s How to Give Graduates Stock as a Gift – Money / May 19, 2016

Give Your Graduate Cash—a Lifetime of It – Bloomberg / May 18, 2016

Seven Financial Secrets for New Moms – Mass Mutual / May 2016

30 Things I Learned from My Mother – Debt Free After Three / May 8, 2016

10 Ways to Trick Yourself Into Saving Money – The Simple Dollar / January 29, 2016

39 of the Best Financial Tips to Start the New Year – Debt Roundup / December 29, 2015

12 Top Scams Affecting Your Pocketbook – GOBankingRates / November 25, 2015

To Serve Clients From Afar, Advisors Use Video – Investor’s Business Daily / October 23, 2015

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