type: area · tags: retirement, sofa, tax, asago
Retirement Planning
Retirement Planning
Purpose
Retire in Asago, Hyogo ~2039 at age 60 with ~$4.1M.
⚠️ CRITICAL — SOFA Tax Sequencing (DO NOT GET WRONG)
Wrong order = ~¥100M lost to taxes.
- Retire; keep SOFA docs; do NOT register 住民票.
- Distribute the entire Roth 401(k) (~$2M+) Empower → Schwab ($0 US tax + $0 Japan tax).
- AFTER the wire is confirmed, register 住民票 at Asago City Hall.
- Same day: enroll 国民健康保険 + JA共済 医療保険 + がん共済.
Current State
- Plan defined; pre-retirement de-risking in progress → Asago-Kominka-Pre-Retirement-Actions.
Housing
- 822 Wada, Wadayama, Asago, Hyogo (35.38207°N, 134.87567°E)
- 150–175 yr kominka, vacant ~15 years; family altar inside
- Est. ¥10M–¥25M renovation
- Shiho's father updating land registrations — complete before in-laws pass.
Post-Retirement Financial Setup
- Wise (USD→JPY)
- Sony Bank (JPY holding)
- Navy Federal (kept permanently for ATM rebates)
Garden Plan
- Convert rice paddy → garden (柿・梅・栗・ブルーベリー・いちじく・ゆず)
- Requires 農業委員会 notification + 暗渠排水 2–3 years before planting
- File while in-laws are still registered farmers.
Travel Budget
- $15K–$25K / year; nearest international airport KIX (~2 hrs).
Commitments & Standards
- Execute the SOFA sequence in the exact order above.
Active Projects in This Area
Notes
- See Asago-Kominka-Research and Finance-Management.