Denise Chai

Denise Chai

Financial Planner

After 20 years overseas, studying, building a career in finance, and starting a family, I bought the house next to my parents in Little Rock and became an Arkansan in 2011. In 2017, I retired from my career as a Wall Street Stock analyst with its long hours and constant travel to share the pleasures and responsibilities of raising our three kids, Katie, Maddy, and Charlie, with my husband Mark. While I've enjoyed several years of pursuing personal interests such as sustainably raising produce and livestock on our small farm and giving back to our community through work with organizations like The Storybook Project of Arkansas which connects incarcerated individuals with their children, I decided it was time to put my financial skills back to work with Aptus, whose client-focused, honest, flat-fee approach matches my values. As the daughter of immigrants, I learned to save early and have enjoyed financial freedom as a result. I hope at Aptus I can help others achieve this security and peace of mind while creating a financial plan that reflects their priorities and values.


Chartered Financial Analyst
Investment Advisor Representative


MA, University of London, School of Oriental and African Studies
BA, University of North Carolina – Chapel Hill


2020-present: Financial Planner, Aptus Financial
2005-2017: Research Analyst, Managing Director, Bank of America Merrill Lynch (Hong Kong, Singapore, New York)
1998-2005: Research Analyst, Director, Cazenove (Hong Kong)


Physicians and other professionals
Tax-efficient investing
Guided transitions away from advisors to self-managed accounts
Cash management and contingency planning
Retirement planning