type: area · tags: finance, cross-border
Finance Management
Finance Management
Purpose
Manage cross-border US/Japan financial life toward ~$4.1M at age 60 (2039).
Current State
- Navy Federal (primary): Checking *5856 ~$51K; Jumbo MM *3768 ~$444K; CD *5701 ~$43K (matures 05/2027)
- Empower Roth 401(k) ~$511K
- Schwab: opened, initial SWVXX position → Schwab-Account-Setup
- USAA: winding down (~$19K total; CD matures Oct 2028)
- SpaceX IPO: ~37–38 shares at $135/share → SpaceX-IPO-Purchase
- SAIC stock: 19 shares at Computershare (goal: liquidate) → SAIC-Stock-Liquidation
- Total assets ~$1.07M
529 Plans
- May — cashed out → Navy Federal CD *5701
- Zen-02 — ~$35,644; target cash-out 2027–28
- Joe-03 — ~$26,089; target cash-out 2031–32
- Key principle: non-qualified 529 strategy = pay 10% + tax on earnings only at cash-out.
FBAR
- Not required for Ben 2019–2025.
- Children's FBARs worked through (May, Zen, Joe). See FBAR-Reference.
Commitments & Standards
- Sequence the SOFA retirement distribution correctly → Retirement-Planning.
- Keep cross-border tax exposure clean.
Active Projects in This Area
Key Contacts
| Name | Role | Contact |
|---|---|---|
| Navy Federal | Primary bank | — |
| Julia Serrano | Aires — reimbursements | jserrano@aires.com |
| Molly Schmit | Global Mobility, LM | — |
Notes
- Target: ~$4.1M at age 60 (2039).