Crossculture Financial Planning
Cross-border life comes with financial complexity…
国境を越えた暮らしには、複雑なファイナンシャル課題が伴います…
Bridging Cultures,
Building Wealth
Our Approach:
We prioritize each individual's value and adopt a client-first approach with every client, grounded in empathy, clarity, and empowerment by listening deeply. We understand that financial decisions are deeply personal, especially when cultural backgrounds differ, life changes occur, and emotional transitions influence them. By planning clearly, we help you make informed choices. Our goal is to be a trusted guide, not just a numbers person, who helps clients rebuild and design their financial life with confidence, supporting them steadily to achieve each client's goals.
Our Expertise:
Bilingual, cross-border financial planning (U.S. & Japan), Support for Japanese expats living in the U.S., or returning to Japan, Financial planning for intercultural marriages, Post-divorce and widowhood transition planning, Retirement and Investment Strategy, Estate and legacy planning with family across borders
meet Makiko Mizutani
Updated information in process
meet Suzue Sato
With a deep understanding of both American and Japanese cultures, financial systems, and the tax laws, we specialize in helping clients navigate some of life’s most significant transitions — from cross-cultural marriage and expatriate life to divorce and widowhood. Our practice is uniquely focused on serving Japanese American families, including expats, U.S. citizens/permanent residents who are moving back to Japan or to the U.S., intercultural couples, divorcees, and widows who face both emotional and financial complexity.
As the founder of MoneyCafe Advisors, I provide warm, culturally sensitive, and strategic financial planning with a focus on long-term peace of mind. Many of my clients are bilingual, navigating dual citizenship, overseas assets, or cross-border retirement considerations. Others are newly single — by divorce or loss — and need steady, compassionate guidance to regain clarity and control over their financial future.
Our Services:
Financial Planning
At Moneycafe Advisors, we provide personalized financial planning designed to help you achieve clarity, confidence, and long-term financial well-being. From retirement strategies and education funding to tax efficiency and wealth preservation, we align your financial goals with thoughtful, comprehensive plans tailored to your unique lifestyle—whether you’re navigating life in the U.S., Japan, or both.
Investment & Wealth Management
At MoneyCafe Advisors, we help you build and preserve wealth through customized investment
strategies aligned with your goals, values, and life stage. Whether you’re navigating life between
the U.S. and Japan, managing dual assets, or planning for retirement, our approach is holistic,
culturally sensitive, and always in your best interest.
Personalized portfolio management based on your risk tolerance, time horizon, and
income needs
*Cross-border investment coordination for U.S.-Japan residents or expatriates
*Tax-aware strategies to help reduce liabilities and enhance long-term returns
*Regular reviews to adapt your plan as your life evolves
*Clear communication in both English and Japanese
You will gain clarity, confidence, and peace of mind with your financial journey ~ to achieve
your goals.
Tax Strategy & Planning
Taxes don't have to be scary. With the right plan, you'll stay compliant and keep more of your money, whether you are earning income, receiving a pension, or managing investments across Japan and the U.S., your taxes can get complicated. We help you understand how each country taxes your income, and how to minimize taxation and reporting headaches.
Estate Planning
Protect what matters. Plan for peace of mind.
At MoneyCafe Advisors, we help you prepare for the future with clarity and compassion.
Whether you’re navigating cross-border inheritance issues, U.S.-Japan property ownership, or
ensuring your legacy reaches the next generation, we collaborate with trusted legal partners to
guide you through:
*Wills & trusts (U.S. and Japan)
*Inheritance and gift tax implications across countries
*Beneficiary designations and asset titling* Digital asset planning
*Smooth transfer of assets to loved ones
Our culturally sensitive approach ensures your intentions are honored — both legally and
personally — no matter where your family lives.
Retirement Planning (U.S. & Japan)
The long-awaited retirement is approaching, but you are baffled about how best to transfer, convert, or withdraw from your U.S. retirement plans and Japanese Koseinenkin. Whether you are contributing to Japans Kokumin Nenkin or Kosei Nenkin, or managing U.S accounts like
401(K)s, IRAs, and Social Security, we help you understand how each system fits into your overall retirement plan. [continue botton]
We will look at:
Your Retirement accounts
How are those retirement accounts taxed in both countries, during saving and when you withdraw
Portability: What happens when you move countries, change jobs, or retire abroad
Double taxation risks: and how to avoid them with proper planning
How to align your U.S. and Japanese pensions into a clear retirement timeline.
U.S.–Japan Cross-Border Retirement PlanningRetiring with financial interests in both the U.S. and Japan requires careful coordination. We specialize in helping individuals manage pensions, Social Security benefits, tax obligations, and investment strategies across both countries. Whether you’re a U.S. citizen living in Japan, a Japanese national in the U.S., or have ties to both, we guide you through the complexities to build a retirement plan that works seamlessly across borders.
Peace of Mind Begins with a Plan
No pressure. Just a personal conversation about what matters to you.
Let’s Talk – Book a Free Intro
Phone: 303-717-3540
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