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    • Problem solution / Finance / Insurance
    • 2026/01/16 (Fri)
    Vivinavi San Diego

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Answers to all your questions and concerns about mortgages and home sales in Japanese ！.

    We are a mortgage broker handling loan products from over 120 financial institutions.
    We will find the best loan terms for your individual needs.

    The value of real estate in the US will almost always increase if it is in place.
    Home ownership accounts for the largest percentage of assets held by the average American.
    We believe that it is wise to buy a home when you can, rather than being distracted by short-term interest rates and market trends, because you will be living in it forever.

    Please consult with us ！

    ・ I want to get a mortgage, what should I do ？
    ・ I want to remodel but do not have the funds on hand. Can I cash out the equity in my home ？
    ・ How can I buy an investment property and earn rental income ？
    ・ I am worried about my retirement, is a Reverse Mortgage safe ？
    I personally own 7 properties in California and Hawaii and manage short ・ term and long term rentals.
    He is also a licensed real estate agent in California and provides the best advice on both real estate sales and loans ！
    From home buying to investment strategies, he provides easy-to-understand support in Japanese ！

    "I have almost no down payment.
    "Strategies to increase your assets by using loans wisely"
    "Will interest rates go down ？ Will they go up ？ Should I wait or move now ？"

    Free consultation is available ！ Please contact us first. Please feel free to contact us.

    Kana Makino （ Kana Makino ）
    Mortgage Loan Officer / Realtor ®
    West Capital Lending | NMLS# 2504398 | DRE# 02053858

    Free consultation available at any time ！
    Please feel free to contact us fi...

    • Useful info / Finance / Insurance
    • 2026/01/15 (Thu)
    Vivinavi San Francisco

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Buying your first home with a Roth IRA （ Roth IRA ）?

    Roth IRAs are divided into two main categories.
    "Contributions （ Contributions ）" and "Investment Income （ Earnings ）".

    Contributions are the portion of the money you put into your account after you have already paid your taxes. This contribution is always yours. You can withdraw it at any time, for any reason, and there is no tax or 10% early withdrawal penalty.

    For example, if you have contributed a total of $30,000 so far and your current account balance is $40,000, you are free to withdraw that original $30,000.

    Investment income, on the other hand, is treated differently. Normally, withdrawals of investment income under age 59½ are subject to income tax and a 10% early withdrawal penalty.

    However, there is a special exception for first-time homebuyers.

    The IRS （ U.S. tax authorities ） allow first-time homebuyers to withdraw up to $10,000 from their Roth IRA investment income without a 10% penalty. In addition, if it has been at least five years since the Roth IRA account was opened, the investment income may be tax-free.

    This flexibility is why Roth IRAs are considered more advantageous for first-time homebuyers than Traditional IRAs （ Traditional IRAs ）.

    However, a Roth IRA is only a retirement account. It can be a viable option for major life milestones such as purchasing a home, but it should not be used without planning.

    If you are considering buying your first home and want to use your money more wisely, this rule is something you should know.
    We have a YouTube and Instagram page where we share not only mortgages, real estate, but financial tips as well. We have a lot of useful information.

    https://www.youtube.com/@LisaFinancialServices

    https://www.instagram.com/lisafinancialservices/

    📧 Contact Us ・ Contact Us ： LISA SHIN 📞 (702) 845-3318
    Nevada ・ Specializing in Mortgage Loans for California
    ｜ ✉ ️ Lisa@ LisaFinancialServices.com
    ｜ 🌐 lisafinancialservices.com
    （ NMLS #1611181 ）

    • Event / Finance / Insurance
    • 2026/01/07 (Wed)
    Vivinavi Los Angeles

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Social Security, Understanding it Right and Receiving it Wisely ！ ] 2/15 （ Sun ） Free Retirement Seminar in Culver City ！

    Hello everyone ！
    I am Satoko Tsutsumi, a Certified Social Security ・ Analyst&Retirement Planner.

    How much do you know about Social Security ？

    "I didn't know" is a waste ！ ！
    I know you are busy, but don't put it off. ！
    Free Retirement Seminar at Culver City.

    ◉ Topic 1 : Understanding the Social Security System and Getting Smart!
    I don't know how the Social Security system works. What you need to know to avoid losing money ？
    ◉ Topic 2 ： Will you retire in the US or Japan? Do you need long-term care insurance?
    Long-term care insurance purchased in the U.S., can be used in Japan. ？ A case study on retirement in the U.S. or Japan, if you have not decided.
    ◉ Topic 3 : Smart asset planning with US dollars for both expatriates and permanent residents !
    Why don't you increase your assets with guaranteed principal without worries ？

    Culver City
    Date ： 2/15 Feb (Sunday) {Topic 1} 9:30 ~ {Topic 2} 10:45 ~ {Topic 3} 12:00 ~
    Location Courtyard by Marriott Culver City Los Angeles
    6333 Bristol Pkwy, Culver City, CA 90230

    [Note] Please continue listening from Topic 1, best for clarity! It is the best and easy to understand!

    Please feel free to join us.
    To register, ↓ send us a message or call 714-269-8892 （ Satoko ）

    www.fpesusa.com

    ソーシャルセキュリティ介護老後備え

    Please feel free to join us ！.

    • Useful info / Finance / Insurance
    • 2026/01/05 (Mon)
    Vivinavi Hawaii

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    🎍[Do you want to "protect" your assets? Do you want to "increase" your assets ？ 】 ～ To Japanese living in Hawaii - What I want to tell you at the beginning of 2026 ～

    Hello to all Hawaii residents!
    My name is Maki Asai （ a Licensed Financial Professional ） living in Los Angeles.

    The year 2026 has begun. I sincerely hope that this year will be a fruitful one for all of you.
    I held a seminar in Honolulu in 2023 ・ 2024 on
    "The State of Long-Term Care ・ Costs of Long-Term Care," "Asset Planning," and "Social Security," with a total of over 200 people attending.
    There is one thing in common that we strongly felt.
    ________________________________________

    ◆ The first stumbling block that many people face
    Everyone has a strong desire to "start asset management" and "prepare for retirement.
    However, in reality, …
    they stop at the stage of "I don't know where to start"
    and several years pass before they realize it.
    This is not uncommon.
    The financial system in the U.S. is very different from Japan's, and the choices are many and complex.
    It is natural to be anxious, not your fault.
    ________________________________________

    ◆ The first question you should ask yourself
    The first step in asset management is actually very simple.
    Answer the following two questions honestly.

    • Do I want to "grow" my assets ？
    • or do I want to "protect" my assets （ ＝ " ？

    Ideally, you should be able to do both, but in reality, the direction you go depends greatly on "which you want to prioritize.
    ________________________________________

    ◆ For those who "want to increase"
    assets, you need to take on some risk.

    • Possibility of loss of principal
    • Possibility of taking longer than expected

    This is unavoidable.
    ________________________________________

    ◆ For those who want to protect （ not reduce ）
    safety, the returns you get tend to be modest. If you prioritize safety, the returns you get will tend to be more modest.
    ________________________________________

    ◆ Why Many People Cannot Move Forward
    Many people have this thought in their minds.
    "I want to increase. But I don't want to decrease …"
    This is exactly the state of "stepping on the gas pedal and brake at the same time".
    In this state, it is natural that it becomes difficult to take a step forward.
    That is why
    "What do I want to prioritize ？?"
    Clarifying this question is the key to opening the door to the future.
    ________________________________________

    ◆ Why I got into finance
    I spent much of my school years as a tutor and also got my teaching license.
    After getting married, I spent my life devoting myself to the education of my two sons.
    The reason I came to the U.S. was to accompany my husband on his expatriate assignment.
    However, while living with my family in the U.S., I was confronted with a reality.
    "The difference in financial knowledge can greatly affect the future of a family.
    From there, I made the decision to go into finance.
    The road to sending my children to college in the U.S. through trial and error was really tough.
    That is why my important mission now is
    "to help people plan their lives through money education （ financial ・ literacy ）"
    . Money knowledge is a lifelong asset.
    ________________________________________

    ◆ The time has come to "protect your future by yourself"
    In both Japan and the United States, it is becoming increasingly difficult to rely solely on the government system.
    That is why you need to prepare your future by yourself.

    • Are you prepared enough for your children's education fund ？
    • Do you know how much money you need for your retirement ？
    • Are you prepared not to burden your family in the future ？

    These are not things you can "think about someday" in time.
    ________________________________________

    ◆ In 2026, take action to "prepare yourself"
    No one can predict inflation, interest rates and economic trends.
    But you can start taking action today to "prepare yourself."
    ________________________________________

    ◆ By popular demand, we are now offering free individual consultations
    This is especially recommended for the following people.

    • Concerned about preparing funds for children's education
    • Unsure about how to handle funds lying in Japanese banks
    • Worried about past 401k as is
    • Due to bereavement or divorce
    • unsure how to use IRAs, etc. before or after retirement
    • can save steadily but unsure of direction
    • wondering how to invest a large sum of money
    You are worried about your health and want to know how to protect it
    • You are not sure what you are worried about

    Please be assured that we will not forcefully sell you anything.
    Let's start by sorting out where you are "stuck".
    ________________________________________

    ▼ Free Consultation Form
    https://forms.gle/ShPUWuZRFajhJRwb6
    ________________________________________

    ◆ Let's sort out "what anxiety is" together ？
    In education Combining the "listening skills" I have honed in the field of education and
    the perspective of a financial expert,
    I will suggest the best direction for you.
    In some cases, we will find an appropriate solution; in other cases,
    we will be honest and tell you that unfortunately we cannot help you.
    Nevertheless, there is always value in "sorting out your concerns".

    In addition, we have been holding the following "6 Japanese Financial Workshop"
    irregularly since 2020.
    To date, a total of over 3,000 people from all over the U.S. have participated.

    Major topics include.

    ・ Increase Your Cash Flow Today
    ・ Speed Up Debt Repayment ！
    ・ Learn the Basics of American Finance
    ・ How to Build Wealth
    ・ Make the Power of Compound Interest Your Ally
    ・ Principal Guaranteed Financial Products
    ・ Which Type Are You ？ Types of Life Insurance and Their Differences
    ・ Surprises to Know ！ How to Use American Life Insurance
    ・ Financial Planning for You Who Want to Avoid Risk
    ・ I Want Both ！ Health and Wealth
    ・ The Importance of Long Term Care Insurance and Medicare
    ・ Family Peace of Mind. Estate Planning
    ・ How to Protect and Grow Your Assets
    ・ Making Time Your Ally, The Cost of Procrastination
    ・ What is Dollar Cost Averaging ？
    ・ Private Pensions, Lifetime Pensions
    ・ 7 Things You Need to Know for a Rich Retirement
    ・ Building a Foundation for Financial Independence and Tax Planning
    ・ College Planning and Tuition

    It is difficult to understand all of this workshop just by watching it once, and many people attend and study it over and over again.
    As soon as the next workshop is scheduled, we will send an email to those who wish to attend.
    If you wish to participate, please also fill out the form below.

    https://forms.gle/ShPUWuZRFajhJRwb6

    🌸 Take a courageous step to face money in 2026.
    The future will change from those who act.
    I would be sincerely happy if you could be the one to take that step.

    Finally, here are some words that I always chew on while doing this financial work.

    ◆-----------------------------------------------
    If you are born poor, it's not your mistake,
    but if you die
    - Bill Gates
    -----------------------------------------------◆

    We look forward to hearing from you! We look forward to hearing from you.

    ＜ Contact ＞
    Email ： asaimaki@gmail.com
    Mobile ： 424-533-0447

    • Introduction / Finance / Insurance
    • 2025/12/29 (Mon)
    Vivinavi Dallas

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    We can take care of your insurance ！ Japanese language ・ Free quotation ！ ！

    Farmers Insurance, America's leading insurance company that continues to be trusted.
    We will select the best plan for each customer's needs and provide prompt and detailed explanations.
    We provide total support in Japanese from quotation, application to accident handling, so you can rest assured.

    ・ Car Insurance
    Car insurance is essential for driving a car in America, a society of cars. We will select a plan that fits your needs.

    ・ Home Insurance / Renters Insurance （ Renters Insurance ）
    Home Insurance protects your precious home. Fire, theft, lightning, hail, etc. We will help you choose the right plan for you.
    Renters insurance is for people living in apartments and rented houses.　　　

    ・ Life Insurance / Private Annuities
    Various plans are available. There are also plans that do not require a medical examination, so please feel free to
    consult with us even if you are concerned about your current health condition.

    ・ Health Insurance / Medicare
    We also offer PPO health insurance, which can be used in Japan and has a low deductible, and Medicare ・ Supplement （ Medigap ）
    .

    ・ Pet Insurance
    This insurance covers the costs incurred when your beloved pet, a member of your family, receives medical attention and treatment for illness or injury.

    ・ Business Insurance
    We protect your business in America, a nation of lawsuits.　We will help you choose the right insurance policy for your business.


    If you would like to review your current insurance plan, consult with us, or have any questions, please contact us anytime.

    ・ We want to reduce your premiums.
    ・ I want to change my insurance policy.
    ・ I want to know if the plan I have joined is right for me.
    ・ I am concerned about my current health condition and would like to purchase life insurance/individual annuity that does not require a medical examination.

    There is a possibility to save a lot of money on insurance premiums.　Please feel free to contact us for a free quote in Japanese.


    Yasuhiro Yoshimi
    Cavaness Insurance Agency
    14110 Dallas Parkway #125, Dallas, Texas 75254
    Office: ( 972) 769-9136
    Japanese Line (469) 795-1190
    yasuhiro.rnicholson@farmersagency.com
    https://texasjapaneseinsurance.com

    保険生命保険個人年金健康保険メディケア
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