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  • 1023 Arlington Road, New Milford, New Jersey 07646.

About Us

VnJ Financial Services LLC

Joy Chakkappan began his career as a financial adviser and, in 2020, founded VNJ Financial Services. With a decade of experience in Information Technology, Joy noticed that many members of the community faced financial challenges, leading to inadequate retirement funds. Witnessing this struggle resonated deeply with him, fueling his determination to make a difference.

Joy launched targeted financial awareness campaigns tailored to the needs of the community. Currently, he assists numerous American families each year, offering a range of comprehensive services, including money management, education, insurance, and more. His overarching goal is to empower families with financial literacy and confidence, enabling them to proactively manage their financial futures.

Empowering growth, Securing futures
Our focus, your financial success

What We Do

Stock Market

We've proudly served as the premier Active Wealth Manager ...

Estate Planning

Beyond wealth creation, preserving and transferring ...

College Planning

Prepare for your loved ones college expenses in advance ...
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Our Esteemed Clients

JF

New Jersey

“Joy helped us secure a long-term care plan, and we now have peace of mind as we think about our future. I highly recommend Joy to anyone in need of similar services.”

RA

New Jersey

“I was able to prepare a will and trust for my family with Joy's help. He is very efficient and trustworthy.”

FK

New Jersey

“I was unsure how to roll over my retirement funds into a secure annuity plan, but Joy took the time to explain several options for safeguarding my money. He guided me through the entire process, and I’m fully satisfied with the service he provided.”

JJ

Illinois

“I realized that starting a health insurance plan with living benefits is the greatest gift I can give to my children. Joy assisted me in understanding the options, and with his guidance, I secured the best health insurance with living benefits for all my children. He is very patient and approachable.”