Arispring Financial · Paramus, NJ
Rise above complexity.
Protect what matters.
Comprehensive financial planning and business valuation strategies for business owners and high-net-worth individuals — built around you, not a template.
What We Do
What a real financial plan covers
- Cash Flow & Debt Strategy
Understanding what comes in, what goes out, and how to optimize both for growth and security. - Investment Portfolio Design
Allocations tailored to your timeline, risk tolerance, and tax situation — not a model portfolio. - Tax-Efficient Wealth Building
Strategies that keep more of what you earn through smart structuring and timing. - Retirement Income Planning
Designing a sustainable income stream that supports the life you've envisioned — for decades. - Estate & Legacy Transfer
Ensuring your wealth moves to the right people, in the right way, at the right time.
Personal & Business Financial Planning
A plan built for every dimension of your financial life.
Most people have financial products. Very few have a financial plan. At Arispring Financial, we start with a comprehensive analysis of where you are — then design a clear, actionable strategy that connects every part of your financial life.
For Individuals & Families
Retirement readiness, income protection, and estate planning — coordinated into one cohesive strategy that evolves with your life.
For Business Owners
Your business and personal finances are deeply intertwined. We address both — from owner compensation and retirement plans to exit readiness and wealth transfer.
For High Net Worth Clients
Complex situations require sophisticated strategies. We coordinate across tax, estate, investment, and risk to protect and grow multi-generational wealth.
About Annie Chen
Your advisor.
Your advocate.
Your partner.
Since 2009, Annie Chen has been building long-term relationships with business owners, high-net-worth clients, and families across New Jersey and beyond. Her approach is rooted in one belief: that every recommendation must start with a deep understanding of who you are, what you've built, and where you want to go.
As a Certified Exit Planning Advisor (CEPA®), Annie brings specialized expertise in business valuation strategy and exit planning — a rare credential that sets her apart in helping business owners navigate one of the most critical transitions of their lives.
WMCP® — Wealth Management Certified Professional
CEPA® — Certified Exit Planning Advisor
LUTCF® — Life Underwriter Training Council Fellow
FSCP® — Financial Services Certified Professional
RICP® — Retirement Income Certified Professional
BFA™ — Behavioral Financial Advisor
"My goal is to empower every client to build financial freedom and live the life they've envisioned. I aim to be a lifelong resource — guiding you confidently through every stage of your journey."
Business Valuation & Exit Planning
Do you know what your business is actually worth — and why it matters?
Most business owners have 80–90% of their net worth tied up in their business. Yet most have never had a strategic conversation about its value, what drives it, or how to maximize it before a transition. That's exactly what we do.
Understand Your Value Drivers
We work with you to identify what makes your business valuable to a buyer or successor — and what's quietly eroding that value without you knowing it.
Build Value Strategically
From reducing owner dependency to documenting systems and strengthening customer concentration, we help you make the moves that meaningfully improve your multiple.
Plan Your Exit on Your Terms
Whether you plan to sell in 2 years or 10, the best exits are planned years in advance. We coordinate your personal financial readiness with your business transition strategy.
Protect During the Transition
Buy-sell agreements, key person insurance, and business continuity planning ensure your business survives the unexpected — and your family is protected no matter what.
Succession to Family or Partners
Transferring a business to the next generation or a business partner requires careful planning. We structure transitions that are fair, tax-efficient, and built to last.
Post-Exit Wealth Management
The sale of a business is one of the largest financial events of your life. We help you plan what happens to that capital — so the wealth you've built continues to work for you.
Annie holds the Certified Exit Planning Advisor (CEPA®) designation, awarded by the Exit Planning Institute. The designation includes education in business value acceleration, exit planning, and ownership transition strategies. Note: Arispring partners with certified appraisers for formal/qualified business valuations.
Who We Serve
Not every client needs the same advice.
We've built our practice around clients who have more complexity, more at stake, and more to plan for. Here's who we serve best.
For Entrepreneurs
Business Owners
From protecting your company today to maximizing its value on the way out — we guide you through every phase of business ownership with strategic clarity.
For Wealth Builders
High Net Worth Individuals
When your wealth reaches a certain level, you need more than a financial advisor — you need a strategic partner who manages the full complexity of your financial life.
For Families
Individuals & Families
Whether you're building, protecting, or planning for the future, we help you move forward with confidence and a clear roadmap for every stage of life.
Our Team
One advisor. An entire network of specialists.
Through Arispring's partnership with Barnum Financial Group, our clients access a team of Vice Presidents and subject-matter experts across every major discipline — giving you institutional depth with boutique-level personal service.
Beverly Wright
Vice President, Worksite Products
Brian Parmelee, CFP®
Vice President, Risk Management
Greg Wachter
Vice President, Risk Management
Jeremy Hus, MSFS, CFP®, ChFC®, CASL®, CLU®
Vice President, Financial Planning
John Foreman, MBA, CIMA®
Vice President, Investments
Kate Cassidy
Vice President, Advanced Markets
Niko Vamvakas
Vice President, Retirement Planning Solutions
*The specialists listed above are employees of Barnum Financial Group — not members of Arispring Financial — but are made available to our clients through our strategic partnership. Barnum serves over 280,000 clients nationwide.
Our Process
How we work together.
Step 1
Discovery
We begin by listening. We learn about your business, your family, your goals, and what concerns you most — before we ever suggest a strategy.
Step 2
Strategy Design
We build a comprehensive, personalized plan that connects your business and personal finances into one cohesive roadmap for the future.
Step 3
Implementation
We guide you through putting the plan into action — coordinating with your legal, tax, and other advisors every step of the way.
Step 4
Monitor & Evolve
Life and business change. We regularly review and adjust your plan to keep you on track as your situation evolves.
Contact Arispring Financial
Let's start with
a conversation.
No pressure, no pitch. Just a genuine conversation about where you are and where you want to go.