Retirement does not mean getting old, but rather stopping work for an employer and starting to live off your investments. You can relocate to Japan and "retire" at any age if you have the “right” portfolio of investments, and we are here to help you form it. P.S. Okinawa in the photo.
WhiteWolf Investment Advisor, LLC
Retire in Japan
WhiteWolf Investment Advisor, LLC, is a Honolulu-based registered investment advisor that provides financial planning services for individuals and families considering relocation abroad in the future, with a current focus on Japan. P.S. All photos are by the founder, Oleg Ivanets.
Get Started TodayKey points
What is retirement?
Key Economic Benefit.
To simplify much of the international macroeconomic complexity, the US is the best country to make money, but it is one of the worst countries to spend money. Japan is one of the hardest countries to earn money but it is the best one to spend it. The result is somewhat paradoxical: an average resident in both the US and Japan struggles, but it is possible to get the best of both worlds and thrive. This requires a lot of high-quality planning and management, which is exactly what we do.
Key Financial Benefit.
It's called “pooled investments.” In simple terms, one person can never achieve the results that 100 people pooling their resources together can achieve. That's why even if you are Japanese or know everything about Japan, you still need us, and we still need you, so we can coordinate our finances and achieve better results. P.S. That's a public train station in a remote village in the photo. Mind-blowing.
Key "Cultural" Benefit.
I don’t mean culture in a narrow sense, but as a broad social, political, legal, natural, and cultural environment. For me personally, Japan offers “inner peace,” which is hard to get in the US, especially outside Hawaii. For others, it offers spiritual depth and a vast variety of things to do and places to visit. You have to be in love with Japan, and if you are not, we’ll work with you on visiting it “the right way” :). P.S. And that's a road in another remote village in the photo.
Urgency
You might think: “I am too young to retire, so I’ll get to this later.” Unfortunately, the world now is quite unstable, and that “later” might be too late. You see, that economic benefit described above is not constant; it changes as the US and Japan economies change. While Japan is not changing fast, the US’s dramatic economic shifts might eliminate these benefits very fast. I can’t stress it enough, we have to act now or it might be much more expensive later.
Oleg Ivanets. Founder.
Oleg Ivanets. Founder.
Oleg was born and raised in Kyiv, Ukraine. Hawaii became his second home in 2013, when he joined graduate school at the University of Hawaiʻi at Mānoa to pursue a doctoral degree in Economics with a focus on international and financial economics.
Upon graduating in 2018, he became a full-time faculty member at Drew University and later in 2021, at Concordia University. Oleg has focused his work on financial risks, international finance, and long-term investments while teaching economics and finance courses. At the beginning of 2025, Oleg left his full-time job in academia to pursue his passion.
What is it exactly? It is gathering a group of honest, respectful, open-minded, and hardworking middle-class American residents who want to achieve financial independence and a prosperous life in Japan. And then making it happen using nearly two decades of knowledge and experience in finance and economics.
Our process
Step 1. Obtain an individualized financial plan and start saving for your dream future, ensuring tax advantages and a USDJPY exchange rate hedge.
Step 2. First investment. After accumulating $ 30,000-$ 50,000 in today’s US dollars, it is sufficient to make an initial investment towards your Japanese future. Details are discussed during a consultation.
Step 3. Retire in Japan. Actual retirement can be decades in the future or start immediately after Step 2, depending on your personal situation.
Made with Neo