"I wanted more human

interaction and to

know what I do makes

a difference in people's lives."


Hui-chin Chen

Hui-chin Chen34

Co-owner and financial planner, Pavlov Financial Planning

Fast Facts

  • Was the first international member of the XY Planning Network.
  • Earned her undergrad degree in Taiwan and her master's degree at Carnegie Mellon University.
  • Conducts financial planning seminars in the countries where she is based.

Hui-chin Chen embodies a borderless world, giving her insight into the financial challenges of her globe-trotting clients.

A dual U.S. and Taiwanese citizen, Ms. Chen earned a master's degree in the United States; worked for three years at Freddie Mac, the government mortgage lender; and then married a U.S. foreign service officer, a union that has taken her to Mexico, back to Taiwan and soon to Chengdu, China.

The quantitative credit analyses she did at Freddie Mac left her cold. While living in Mexico, she became interested in financial planning.

"I wanted more human interaction and to know what I do makes a difference in people's lives," Ms. Chen said.

She earned a certified financial planner credential and attended a residency program in Los Angeles sponsored by the Financial Planning Association. It was there that she met her business partner, Marcio Silveira, whose practice, Pavlov Financial Planning, is based in Arlington, Va.

Ms. Chen developed a niche with younger clients in a "membership-fee" structure and specializes in the expatriate market, helping her clients organize some far-flung assets.

"There are people who call different countries home," Ms. Chen said. "How do you structure [finances] in such a way that you don't leave pieces behind if you know you're not coming back to a country?"

She also works with spouses who may have to find new jobs, as they follow their partners around the world.

She tries to help them "invest in themselves for the future. I'm trying to raise awareness that the income side can be important. You're worth more than just trying to save money" by cutting living costs.

– Mark Schoeff Jr.


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