Comprehensive Financial Planning paired with Institutional Quality Investment Management

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About

Welcome!

My Name is Jeffrey Notaro

I am a U.S. REGISTERED FINANCIAL PLANNER™ and Financial Advisor. I am the founder of Notaro Wealth Advisory, a financial planning and investment advisory firm registered with the SEC in the United States.

My firm was based in New York City for many years, where I worked in the financial services and investment management fields for over 30 years. Our firm is still a U.S. company, but I now operate the business in Tokyo, Japan, where I work and live with my family. We continue to serve many existing clients and accept new ones who are living in the United States, but we also specialize now in working with U.S. expats living in Japan. I often travel to the United States to see clients, family, and friends.

My company's goal is very simple - to serve our clients' financial planning and investment management needs with a high level of expert, objective advice. We work with clients in all stages of their financial life, from early career through retirement.

Jeffrey Notaro, Owner of Notaro Wealth Advisory

Jeffrey Notaro, CFP®

US SEC Registered Financial Advisor

Company Founder

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Services

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Financial matters can be troublesome for many people. We will bring professional knowledge and experience in a formal process designed to address all aspects of your financial life.

Securing your retirement needs is one of the most important tasks we can address as your financial advisor.

We will assess your retirement needs and create a lifetime roadmap. The plan not only includes making sure there will be the necessary financial resources but also addressing items such as:

medical insurance,
timing of taking Social Security,
selection of Medicare benefits,
management of 401(k) and IRAs,
and when the time comes, designing an efficient withdrawal strategy.

It is our belief that everyone needs estate planning, not just the "wealthy".

Estate planning is much more than the final disbursement of your assets. One of the most important is to address who and how your children would be cared for if something were to happen to both parents.

We will also address:

medical care and end-of-life decisions;
life insurance policies;
digital record planning;
business succession plans;
and manage possible estate, inheritance, and gift taxes.

We can work with your attorney or recommend an estate law firm.

We find proactive tax planning can greatly improve our client's financial outcomes.

Ongoing tax planning is an essential part of our overall financial planning and investment advisory process.

Some of the benefits from proper tax planning include:

reducing capital gain taxes through careful timing of allocation changes;
maximizing the use of tax-deferred accounts such as IRAs, 401(k)s, and college savings and health savings plans;
reducing or avoiding AMT taxes;
managing rental income from real estate investments or vacation homes;
avoiding tax on personal loans to family, friends, and employees;
reducing potential taxes by timing the exercising and sale of company stock options.

We also specialize in addressing the unique tax situations of expats living, working, and retiring outside the US.

Successful investment management is key to an effective financial plan.

We will first take time to clearly establish your investment goals and define exactly what success looks like. Next, we will craft an asset allocation intended to reach those goals based on forecasts for the economy, expectations for selected asset classes, and your tolerance for volatility and risk.

We customize our allocations for each client. They may include ETFs, individual securities, and bonds. We also specialize in various types of hedging strategies utilizing options.

We provide all our clients online access to up-to-date information on their portfolios as well as our regular strategy updates.

Note: Services for residents of Japan are limited to financial planning and consulting. We do not provide investment management or securities-related services to residents of Japan.

Funding your children's education is an important part of your financial plan.

We will estimate the future cost of education, balancing various school choices, inflation expectations, capability to save, and potential investment returns. We will recommend a plan considering the many possible savings tools available, such as tax-deferred education savings plans, pre-paid tuition programs, tax credits, loans, grants, and work programs.

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Check out our videos for more information on our services.

Videos

Expats

American Expats

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Financial Planning Topics Addressed for American Expats Living in Japan

Tax Strategy and Planning
- Income tax filing requirements
- Tax-deferred investment accounts
- Gift and inheritance taxes
- Expatriation tax
Self-employment and remote work
Banking
- Transferring money
- Hedging currency risk
US Social Security and Japan pensions
Saving for college
Unique concerns for the US Military

Services for residents of Japan are limited to financial planning and consulting. We do not provide investment management or securities-related services to residents of Japan.
日本居住者向けのサービスは、ファイナンシャルプランニングおよびコンサルティングに限られます。日本居住者に対しては、投資運用サービスや証券関連サービスは提供しておりません。

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Disclosures

Process

Our Process

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Step 1

Introductory Consultation

Step 2

Fact Finding and Goals

A free, no-obligation, video call for you explain what you are looking for in an advisor and ask questions. We will take time to describe our services in detail. If you decide you would like us to develop a custom financial plan for you, we will then provide the necessary documents to move forward.

A process in which we aim to fully understand your financial and personal circumstances and what goals you would like to achieve. This involves one or more meetings, a detailed questionnaire, and a document request list.

Step 3

Plan Development

We craft a detailed roadmap designed to address your individual financial needs and future goals. The plan will include specific recommendations and detailed projections.

Step 4

Plan Presentation

We will present our plan to you in terms you can understand. Field whatever questions you have and make necessary modifications.

Step 5

Implemention & Fees

US-based clients: we will implement the plan, monitor its progress over time, and make new recommendations as needed. Once a year, we will do a thorough review and revision of the plan. In-between, we will address changes in your life and market conditions as they evolve. We are available anytime for questions and consultations. Our fee for US-based clients is generally 1% annually based on the balance of the investment accounts under management.

Japan-based clients: we will provide a detailed financial plan that will act as a roadmap to address your cross-border financial planning needs. It will include specific recommendations and steps to execute the plan. Our planning-only, consulting fee for Japan-based clients is typically a one-time charge, but may be a multi-year or ongoing contract. The amount is based on complexity.

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