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Clarity and confidence for your Financial Life

Managing your retirement planning, investments, taxes, and accounting can feel complicated — especially when U.S. and Japanese rules overlap. We bring it all together so you can move forward with clarity and confidence.

Get Started TODAY

Clarity and confidence for your Financial Life

Managing your retirement planning, investments, taxes, and accounting can feel complicated — especially when U.S. and Japanese rules overlap. We bring it all together so you can move forward with clarity and confidence.

Get Started TODAY

We believe everyone deserves a trusted professional to talk openly about their financial life.

Whether you’re planning for retirement, running a business, or preparing for an international move, we can help you with all of it under one roof. When you work with us, you gain more than numbers on a spreadsheet. You’ll have peace of mind knowing your finances are compliant and organized, confidence in your retirement and financial future, and unwavering support from a partner who understands both U.S. and Japanese culture, languages, and how the two systems connect.

We primarily serve the following clients

U.S.-based Japanese individuals and families retiring within 10 years (or already retired)

Many of our clients are planning to retire in Japan, which often creates uncertainty.

  • What are the tax implications if I become a U.S. citizen

  • Should I apply or keep my green card instead? Will I be taxed both in the U.S. and Japan?

  • What happens to my 401(k) or IRA if I retire in Japan — can I keep it or do I have to close it?

  • How do I send money to Japan?

  • Am I still eligible for Social Security benefits if I move back to Japan?

  • How do I file U.S. tax returns after moving back to Japan

  • Do I also need to file in Japan?

  • I’ve had annuities for years, but I still don’t fully understand them.

  • I just want someone who understands both the U.S. and Japan systems, because I don’t even know what I don’t know.
Most firms only answer one piece of this puzzle — taxes, investments, or insurance. We do it all, so your plan is clear and compliant no matter where you retire.

U.S.-Japanese international couples managing cross-border finances

Blending two financial systems raises a lot of complex questions.

  • Do we file jointly or separately?

  • What if one of us moves back to Japan?

  • How do we balance assets in both countries?

  • My spouse is a U.S. citizen and I am Japanese. How should we title our assets?

  • We are moving to Japan for retirement, but what should we do with our U.S. accounts?

  • We do not know where to begin. Can you guide us?

  • We will need help on the Japan side too — can you refer us to trusted professionals?
Most advisors don’t fully understand both sides, leaving couples with incomplete advice. We do things differently. Our meetings are held in both English and Japanese, at your pace, making sure both spouses fully understand each step.

Japanese business owners with companies based in New York

Running a business in New York comes with endless responsibilities 

  • I don’t like doing bookkeeping myself — I want to focus on growing my business.

  • My business is expanding, but I’m not sure it’s structured tax-efficiently.

  • I wish my accountant would respond quickly and offer proactive advice — not just file my return once a year.

  • I have so many questions about accounting, payroll, and taxes, but I don’t know who I can really trust.

  • Why am I paying so much in taxes? How can I save more?

  • I want regular business meetings with my CPA so I know where I stand.
Most accountants only show up once a year at tax time — leaving business owners to figure everything else out on their own. We oversee the key areas of your business finances — bookkeeping, payroll, and taxes — making sure they work together seamlessly.

Our Core Services

Integrated guidance — so every part of your financial life connects and works together

Retirement & Financial Planning

Retirement-focused financial planning with integrated tax and estate strategies to support your long-term goals.

Investment
Management

Proactive, research-driven, fiduciary portfolio management that stays aligned with your goals and financial plan.

Tax Preparation & Compliance

Comprehensive U.S. tax return preparation for individuals and businesses, including international reporting and coordination with Japanese professionals.

Business Accounting & Advisory

Bookkeeping, payroll, and tax services, plus advisory support to help Japanese-owned businesses in the New York area, with clients also serviced in New Jersey and Massachusetts. 
Learn more about Wealth Management
Learn more about Tax & Accounting

You’re in the right place

Hi, I’m Narumi. I started this firm because I saw how stressful it can be to manage finances when life feels complicated — whether that’s planning for retirement, running a business, or navigating international issues. Too often, people are forced to piece together advice from multiple places, and no one is looking at the full picture.

That’s why I built a team with one mission: to make the complex clear, to bring everything together in one place, and to treat every client with the same care I’d want for my own family.

Most of the people we work with live in the U.S. — Japanese individuals, families, and international couples who want trusted guidance for retirement, tax, investment, or business decisions. When global financial coordination is needed, we have the knowledge and connections to handle them. But no matter the situation, what matters most is helping you feel supported, understood, and confident about your financial future.

If you’re looking for a team that can guide you step by step, explain things clearly in Japanese or English, and treat you like family, you’re in the right place.

Learn more about us