Understand Your Finances. Make Choices With Confidence.

When thinking about money, it can be tempting to immediately look for answers to questions such as:

“What should I invest in?”

“How can I reduce my taxes?”

But before looking for specific strategies, it is important to first understand where you are financially and what your numbers are telling you.

Once you have a clearer picture of your current situation, it becomes easier to identify your priorities and consider the choices available to you.

Smart Money offers two ways to help you move forward: Smart Money Practical, a self-paced online program for building a stronger financial foundation, and Smart Money Coaching, which provides personalized support based on your individual circumstances and goals.

Please note: We do not sell or promote any specific financial or investment products.

Smart Money Practical

Start by Making Your Finances Visible

Smart Money Practical is a Japanese-language online program designed to help you build a practical foundation for understanding money while living in the United States.

The program helps you organize everyday financial numbers such as income, expenses, savings, and taxes so that you can better understand your own financial situation and develop the ability to think through financial decisions for yourself.

“I’m not sure where to begin.”

“I want to organize my finances before thinking about investing or tax strategies.”

“I want to understand the basics of how money works in the United States.”

“I want to take a closer look at my finances now so I can prepare for the future.”

Smart Money Practical is designed to help you build the foundation you need to think more clearly about your own money.

What You Will Learn in Smart Money Practical

1. Make Your Financial Situation Visible

Organize your income, expenses, assets, and liabilities to better understand where you currently stand financially.

2. Know the Numbers That Matter to You

Think about the amount you need for your monthly living expenses and the financial resources you may want to prepare for the future.

3. Understand the Basics of the U.S. Financial System

Learn fundamental concepts related to taxes, savings, retirement, and other financial matters that are important when living in the United States.

Learn at Your Own Pace

Smart Money Practical is available online and can be completed at your own pace.

Through worksheets and practical exercises, you will work with your own financial information and think about the numbers that are relevant to your life.

Looking at your numbers is about more than simply managing a household budget.

It is a first step toward understanding your situation and making more informed choices.

Please note: Smart Money Practical is currently offered in Japanese only.

💻 ［View Smart Money Practical Details — Japanese］

Smart Money Coaching

Personalized Support for the Choices That Matter to You

Smart Money Coaching is a one-on-one coaching program designed to help you identify realistic and actionable choices based on your lifestyle, values, and current circumstances.

The program may include topics related to entrepreneurship, U.S. taxation, and wealth building, depending on your individual goals and situation.

With more than 20 years of experience as a U.S. Certified Public Accountant (CPA) working in California and Tokyo, Hiromi K. Stanfield provides practical guidance based on real-world tax and accounting experience.

Three Areas of Support

1. Start Small and Build Your Business

Start a business in a realistic and sustainable way that fits your own pace.

Whether you are considering a side business or a full-time business, we help you think through the financial side of building a business that works for you.

2. U.S. Tax Planning

For individuals and business owners in the United States, we help you consider tax-planning opportunities based on applicable U.S. tax rules.

Drawing on CPA knowledge and experience, we help you think beyond the current year and consider tax planning as part of your longer-term financial picture.

3. Wealth Building × Financial Freedom × Coaching

Building wealth involves more than numbers alone.

Your current income and expenses, your future goals, and the kind of life you want to create are all important considerations.

By looking at your values and lifestyle together with your financial situation, we help you consider choices that may move you toward greater financial freedom and turn those choices into practical action.

Please note: We do not sell or promote any specific financial or investment products.

Start With an Introductory Session

“I would like to learn more about Smart Money Coaching.”

“I would like to organize my options with professional guidance.”

For those who would like to explore whether Smart Money Coaching may be a good fit, a 60-minute introductory session is available.

During the session, we discuss your background, values, concerns, and current circumstances and help you clarify possible directions for moving forward.

Is Smart Money Coaching Right for You?

・Want to think about wealth building for your future

・Want to review your tax situation and consider future tax planning

・Want to diversify the way you work or generate income

・Are interested in starting a business or side business and want to consider your first steps

・Are not sure where to begin and would like help organizing your options

We work with you to identify practical next steps based on your current circumstances.

Smart Money Coaching is currently offered primarily in Japanese.

If you would like to discuss your situation or inquire about services in English, please contact us directly.

Email: info@hkstanfield.com