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A partner who sees your whole financial picture

From retirement transitions to business success

We’ll help you prepare, organize, and move forward with confidence.

Fill out our prospect form

A partner who sees your whole financial picture

From retirement transitions to business success

We’ll help you prepare, organize, and move forward with confidence.

Fill out our prospect form

One Team —
One Integrated Plan

One Team — One Integrated Plan

Simplify your decisions, optimize your taxes, and gain clarity about both your ongoing financial life and retirement

Comprehensive Retirement Strategies

The years before and after retirement are a true transition — from saving to spending, from building your career to enjoying the life you’ve worked for. Most of the individuals and couples we serve are in their 50s, 60s, and 70s, navigating this important stage and seeking clarity on income, taxes, and estate planning.

Support for Business Owners

We support Japanese-owned businesses in the New York area at every stage, providing accounting, payroll, and tax advisory so owners can focus on running and growing their companies.

Big-Picture
Integration

By bringing financial planning, investments, tax, and business services together under one roof — and offering bilingual support in English and Japanese — we give you one trusted partner who connects the dots, reduces complexity, and helps you move forward with clarity and confidence.

Retirement & Financial Planning

Retirement isn’t just about numbers — it’s about making a smooth transition into a new stage of life. We’ll help you design a clear, comprehensive plan for income, taxes, and estate decisions, so you feel confident both financially and emotionally.

Planning & Reviews

✓ Annual financial planning and progress reviews

✓ Goal setting, prioritization, and accountability check-ins

✓ Budget and cash flow analysis with what-if scenarios

✓ Coordination across retirement, investments, taxes, estate, and insurance — all under one plan

Retirement Transition Support

✓ Income distribution and RMD strategies

✓Social Security and Medicare timing guidance

✓ Hands-on help with pension elections, 401(k)/403(b)/457 rollovers, and company exit paperwork

✓ Retirement lifestyle analysis (housing, healthcare, relocation options)

Investment & Portfolio Guidance

✓ Financial advice on your brokerage and retirement accounts, including portfolio allocation and risk management

✓ Strategies for managing concentrated stock positions (diversification, charitable giving, hedging)

✓ Tax-efficient approaches, such as tax-loss harvesting and disciplined rebalancing

✓ Periodical reviews and education to keep your investments aligned with your goals

Tax Planning

✓ Roth IRA conversion strategies supported by multiyear tax projections

✓ Tax-efficient withdrawal sequencing to extend retirement savings

✓ Year-end planning, including tax-loss harvesting and strategic gain realization

✓ Social Security and Medicare tax optimization to maximize lifetime benefits and reduce costs

Insurance & Risk Management

✓ Life, disability, and long-term care insurance review

✓ Guidance on keeping, adjusting, or dropping coverage

✓ Umbrella liability and pre-Medicare health insurance planning

✓ Integration of insurance with estate and retirement planning to protect family wealth

Estate & Legacy Planning

✓ Estate and gift planning strategies

✓ Beneficiary designation reviews

✓ Legacy alignment and charitable giving strategies

✓ Coordination with estate attorneys on wills and trusts

Cross-Border Planning

✓ Residency and tax status planning when moving abroad or returning to the U.S.

✓ Timing strategies to minimize double taxation

✓ Guidance on U.S. retirement accounts (401(k), IRA, Roth) when relocating

✓ Social Security and foreign pension coordination

Ongoing Support & Coordination

✓ Annual year-end checklist and proactive reminders

✓ Available for questions or time-sensitive issues that need prompt attention

✓ Coordination with attorneys, CPAs, and insurance professionals

✓ Regular check-ins and education to keep you confident and organized

Planning & Reviews

✓ Annual financial planning and progress reviews

✓ Goal setting, prioritization, and accountability check-ins

✓ Budget and cash flow analysis with what-if scenarios

✓ Coordination across retirement, investments, taxes, estate, and insurance — all under one plan

Retirement Transition Support

✓ Income distribution and RMD strategies

✓Social Security and Medicare timing guidance

✓ Hands-on help with pension elections, 401(k)/403(b)/457 rollovers, and company exit paperwork

✓ Retirement lifestyle analysis (housing, healthcare, relocation options)

Investment & Portfolio Guidance

✓ Financial advice on your brokerage and retirement accounts, including portfolio allocation and risk management

✓ Strategies for managing concentrated stock positions (diversification, charitable giving, hedging)

✓ Tax-efficient approaches, such as tax-loss harvesting and disciplined rebalancing

✓ Periodical reviews and education to keep your investments aligned with your goals

Tax Planning

✓ Roth IRA conversion strategies supported by multiyear tax projections

✓ Tax-efficient withdrawal sequencing to extend retirement savings

✓ Year-end planning, including tax-loss harvesting and strategic gain realization

✓ Social Security and Medicare tax optimization to maximize lifetime benefits and reduce costs

Insurance & Risk Management

✓ Life, disability, and long-term care insurance review

✓ Guidance on keeping, adjusting, or dropping coverage

✓ Umbrella liability and pre-Medicare health insurance planning

✓ Integration of insurance with estate and retirement planning to protect family wealth

Estate & Legacy Planning

✓ Estate and gift planning strategies

✓ Beneficiary designation reviews

✓ Legacy alignment and charitable giving strategies

✓ Coordination with estate attorneys on wills and trusts

Cross-Border Planning

✓ Residency and tax status planning when moving abroad or returning to the U.S.

✓ Timing strategies to minimize double taxation

✓ Guidance on U.S. retirement accounts (401(k), IRA, Roth) when relocating

✓ Social Security and foreign pension coordination

Ongoing Support & Coordination

✓ Annual year-end checklist and proactive reminders

✓ Available for questions or time-sensitive issues that need prompt attention

✓ Coordination with attorneys, CPAs, and insurance professionals

✓ Regular check-ins and education to keep you confident and organized

Retirement & Financial Planning Pricing

Our focus is on ongoing, long-term planning, not one-time projects.

Quick fixes rarely create lasting results. True impact comes from implementing your plan, adjusting along the way, and supporting you through life’s transitions — such as retirement, moving between the U.S. and Japan, or shifting family goals. That’s why we only work with clients on a continuing basis.
Plan Annual Fee Quarterly Billing Onboarding
Individual
Starting at $4,800/year
$1,200/quarter
$500 one-time
Couples & Families
Starting at $6,000/year
$1,500/quarter
$500 one-time

How fees are determined:

We provide a personalized quote in advance based on the complexity of your situation.
Fees are calculated using a blended formula.

  • 1% of gross household income
  • + 0.5% of household net worth (excluding your primary residence)
  • Planning fees may be reduced or waived when combined with investment management.

Investment Management

We manage your accounts at Charles Schwab — including brokerage accounts, IRAs and Roths – using an evidence-based, globally diversified approach that’s always tied back to your financial plan.

Portfolio Design

✓ Globally diversified, research-driven portfolios

✓ Evidence-based, low-cost strategies (ETFs, mutual funds)

✓ Customized to risk tolerance, time horizon, and income needs

✓ ESG/ values-based investing options if desired

Concentrated Stock Strategies

✓ Diversification and risk-reduction strategies

✓ Tax-efficient liquidation or charitable gifting of stock Integration into the broader

✓ Schwab-managed portfolio

✓ Hedging strategies to protect against downside risk

Ongoing Account Management

✓ Daily monitoring of accounts at Schwab

✓ Disciplined rebalancing to maintain target allocation

✓ Tax-efficient implementation across taxable and retirement accounts

✓ Regular performance reviews and clear reporting

Tax-Smart Investing

✓ Tax-loss harvesting when appropriate

✓ Asset location strategies for maximum after-tax returns

✓ Integration with your broader tax plan (Roth conversions, RMDs)

✓ Tax-efficient withdrawal sequencing to extend portfolio longevity

Retirement Income Alignment

✓ Portfolios designed to provide sustainable retirement income

✓ Balancing growth vs. stability as retirement approaches

✓ Coordinating withdrawals and RMD strategies with investment decisions

✓ Social Security and pension income integration for a complete retirement plan

Transparency & Fiduciary Commitment

✓ Always acting in your best interest — no products to sell, no hidden agendas

✓ Simple, transparent fees so you know exactly what you’re paying for

✓ Secure, real-time access to your accounts through Schwab’s trusted platform

✓ Straightforward communication in plain language, with no jargon or confusion

Investor Support & Education

✓ Integration of investments with your financial and retirement plan

✓ Ongoing education so you understand the “why” behind portfolio decisions

✓ Behavioral coaching to help you stay disciplined through market volatility

✓ Regular reviews and clear reporting to keep you informed and confident

Risk Management

✓ Stress-test portfolios against inflation, recession, and market volatility

✓ Maintain liquidity and cash buffers for unexpected needs

✓ Coordinate insurance, emergency reserves, and investment strategy

✓ Provide ongoing adjustments to keep your plan aligned through changing markets

Portfolio Design

✓ Globally diversified, research-driven portfolios

✓ Evidence-based, low-cost strategies (ETFs, mutual funds)

✓ Customized to risk tolerance, time horizon, and income needs

✓ ESG/ values-based investing options if desired

Concentrated Stock Strategies

✓ Diversification and risk-reduction strategies

✓ Tax-efficient liquidation or charitable gifting of stock Integration into the broader

✓ Schwab-managed portfolio

✓ Hedging strategies to protect against downside risk

Ongoing Account Management

✓ Daily monitoring of accounts at Schwab

✓ Disciplined rebalancing to maintain target allocation

✓ Tax-efficient implementation across taxable and retirement accounts

✓ Regular performance reviews and clear reporting

Tax-Smart Investing

✓ Tax-loss harvesting when appropriate

✓ Asset location strategies for maximum after-tax returns

✓ Integration with your broader tax plan (Roth conversions, RMDs)

✓ Tax-efficient withdrawal sequencing to extend portfolio longevity

Retirement Income Alignment

✓ Portfolios designed to provide sustainable retirement income

✓ Balancing growth vs. stability as retirement approaches

✓ Coordinating withdrawals and RMD strategies with investment decisions

✓ Social Security and pension income integration for a complete retirement plan

Transparency & Fiduciary Commitment

✓ Always acting in your best interest — no products to sell, no hidden agendas

✓ Simple, transparent fees so you know exactly what you’re paying for

✓ Secure, real-time access to your accounts through Schwab’s trusted platform

✓ Straightforward communication in plain language, with no jargon or confusion

Investor Support & Education

✓ Integration of investments with your financial and retirement plan

✓ Ongoing education so you understand the “why” behind portfolio decisions

✓ Behavioral coaching to help you stay disciplined through market volatility

✓ Regular reviews and clear reporting to keep you informed and confident

Risk Management

✓ Stress-test portfolios against inflation, recession, and market volatility

✓ Maintain liquidity and cash buffers for unexpected needs

✓ Coordinate insurance, emergency reserves, and investment strategy

✓ Provide ongoing adjustments to keep your plan aligned through changing markets

Investment Management Pricing

We provide portfolio management as a fee-only fiduciary service

That means no commissions, no hidden products, and advice that’s always in your best interest. Our goal is to help you grow and protect your wealth with clarity and confidence.

If you are also engaged with us for Retirement & Financial Planning, there is no investment minimum. For investment-only clients, the minimum is typically $500,000 in investable assets.

Tier Account Value Annual Advisory Fee
Tier 1
$0 – $1,000,000
1.00%
Tier 2
$1,000,001 – $5,000,000
0.80%
Tier 3
$5,000,001 – $10,000,000
0.75%
Tier 4
$10,000,000 and above
0.50%

Additional Value

  • At $1.5MM+ AUM → Retirement & Financial Planning fees are included or discounted
  • At $2MM+ AUM → Tax preparation services are included or discounted

Our Financial Planning and Investment Management Process

Managing finances is personal, and choosing the right advisor is an important decision. We want you to feel supported and never rushed, with every detail completely clear. That’s why we follow a structured but approachable process — you always know where you stand, what comes next, and how we’re supporting you. It’s a partnership built on clarity, consistency, and care — designed to keep you moving forward with confidence.
Step 1
Introduction Call
(20 minutes)

A short, no-pressure call where we:

  • Listen to your current situation and priorities
  • Share how we typically work with clients
  • Decide together if it makes sense to move forward

If it feels like a good fit, we’ll invite you to a Discovery Meeting as the next step. If not, we’ll let you know right away — we value your time and want to be respectful of it.

Step 2
Discovery Meeting
(45 minutes)

You’ll complete a brief questionnaire before this meeting, where we will:

  • Explore your financial picture, priorities, and goals in more depth
  • Identify opportunities, challenges, and areas where we can add value
  • Collect recent tax returns and investment statements (if relevant) to prepare accurate insights

After this meeting, we’ll provide a Calendly link so you can schedule your Observaation Meeting, typically set about two weeks later. This gives us time to prepare thoughtful observations and recommendations for you.

Step 3
Observation Meeting
(45 minutes)

This is when we connect the dots. We’ll share a high-level one-page plan that includes:

  • Key observations, priority recommendations, and suggested next steps
  • What working together looks like — our process, ongoing support, and fees (including a tax prep estimate if relevant)
  • A clear plan for the year ahead, highlighting where we’d focus together

This is not a completed financial plan, but a clear and actionable roadmap. You’ll leave with a solid understanding of what the partnership would look like, what it will cost, and what value you’ll gain.

Step 4
Onboarding

If you decide to move forward, we’ll take care of all paperwork, account setup, and initial organization, so we can start smoothly and without delay.

If you decide not to move forward or now is not the right time, that’s completely fine. You’ll still walk away with more clarity about your financial situation and the next steps you can take.

Step 5
Kick-Off Meeting

We officially launch our work together by:

  • Clarifying your goals — both short- and long-term — and addressing any urgent priorities
  • Outlining a clear plan for the year ahead
  • Introducing our planning tools and showing how we’ll collaborate throughout the process
Step 6
Implementation & Strategy Meeting

We’ll review a list of recommended strategies and action items, prioritize them, and set a timeline.

Once we agree on the plan, we begin implementation — from retirement and tax strategies to investments and accounting.

Step 7
Regular Check-Ins

Early on, we schedule check-ins to be sure your plan is on track and that you always feel supported and heard.

  • 30-Day Check-In: Make sure things are on track, adjust for changes, and handle any unexpected needs
  • 90-Day Check-In: Review progress, close any gaps, and set new priorities
Step 8
Ongoing Support & Reviews

Think of us as your personal CFO, available when you need us and proactive in guiding you through life’s financial decisions.

  • Email/phone access whenever questions arise
  • 2–3 update meetings (typically in May/June and Sept/Oct)
  • We’ll prepare and/or review your returns and help you get ready for the upcoming tax season

Client Enrollment Window

To give our clients the attention they deserve, we only welcome new clients from May through September each year.

From October through April, our team is fully dedicated to serving existing clients during tax season and year-end planning. If you reach out during this period, we’d love to add you to our waitlist and stay in touch. Once enrollment reopens, we’ll reach out so you have the opportunity to connect with us right away. Click here to join the waitlist for the next client enrollment window.

Existing Clients

Annual Client Service Calendar

Jan Feb - Apr May - Jun July - Aug Sept - Oct Nov - Dec
Preparation and Planning
Tax Return & Review
Update Meetings
Ongoing Support
(as needed)
Update Meetings
Year-End Planning

New Clients

Client Enrollment Window

Jan - April May - Sept Oct - Dec
Not Accepting New Clients
Client Enrollment Window / Kick-off, progress meetings, reviews, ongoing support, and year-end planning
Not Accepting New Clients