Tokyo, Japan — Retirement is no longer a finish line, but a launchpad for a new chapter, considered one of the longest and most fulfilling life phases. However, every person needs to consider the complexity that comes with retirement, including income streams to accommodate increasing healthcare needs and evolving goals.
Fairfield Stern Tokyo Japan, a leading boutique wealth management firm, understands that modern retirement planning is about helping clients navigate uncertainty with clarity, confidence, and purpose. From our strategic headquarters in Japan’s financial capital, the company delivers globally integrated, deeply personalized retirement strategies that empower clients to retire not just securely—but meaningfully.
Rethinking Retirement for a Changing World
“Today’s retirees are reinventing instead of winding down,” says one senior advisor. “They’re travelling more, starting second careers, supporting grandchildren, or funding philanthropic passions. Retirement is active, global, and multi-dimensional—and our planning reflects that.”
The firm’s retirement philosophy centers on five key goals:
- Securing reliable income across decades
- Protecting wealth from volatility and inflation
- Optimizing assets for tax efficiency
- Adapting to evolving lifestyle goals
- Preserving a meaningful legacy
Gone are the days of a simple pension and passive income. Increased life expectancy, rising medical costs, and shifting market conditions have made retirement planning one of the most dynamic areas of wealth management. Our company embraces this complexity with a refined, strategic approach that blends conservative foresight with modern innovation.
A Planning Process Built Around You
Fairfield Stern Tokyo Japan’s retirement planning process begins with you, where it matters the most. “We never assume about the future the client might want,” explains the firm’s Head of Retirement Strategy. “Every client has a different vision of retirement, and our job is to design a financial strategy that supports it.”
Through a series of in-depth consultations, the firm gathers key inputs:
- Current assets and liabilities
- Expected income sources (e.g., pensions, dividends, real estate)
- Lifestyle preferences and desired retirement age
- Healthcare plans and geographic considerations
- Family dynamics and legacy intentions
This information forms the foundation for a personalized, data-driven retirement plan—one that evolves in tandem with your vision of a life well lived.
Income Built to Last
One of the most common retirement concerns is longevity: what happens if I live longer than expected? Although it sounds more like a blessing than a concern, some of the retirement nest eggs do not account for living longer than the average human lifespan.
Fairfield Stern Tokyo Japan addresses this with robust income planning strategies that blend consistency with flexibility. Advisors construct diversified portfolios focused on sustainable withdrawals, integrating fixed-income securities, dividend-yielding equities, and low-volatility alternatives such as infrastructure or private credit.
Additionally, the firm models various scenarios – including inflation, medical emergencies, and market downturns – to ensure that clients’ retirement income can endure for 25, 30, or even 40 years or more.
“Outliving your savings should never be a worry,” says a portfolio manager. “Our job is to remove that fear and replace it with clarity so you can see long life for the blessing that it is.”
Planning Across Borders
Our company’s global fluency is a key differentiator for internationally minded clients. For expatriates or globally mobile individuals, retirement planning can be riddled with legal and logistical complexities. We simplify these challenges through coordinated advisory teams and deep institutional partnerships in key financial centers.
Whether planning to retire in Asia, Europe, or North America, clients benefit from the firm’s cross-border expertise, including:
- International pension optimization
- Multi-currency investment management
- Global tax coordination
- Residency, visa, and estate planning considerations
“We help clients plan for retirement in a way that allows them to live globally – with confidence, not concern about compliance or cross-border restrictions,” notes the firm’s International Wealth Director.
Health, Aging and Long-Term Care
Healthcare is one of the most unpredictable and expensive aspects of retirement. Fairfield Stern Tokyo Japan proactively builds in safeguards by estimating lifetime medical costs and integrating health-based strategies into the overall financial plan.
This includes the following:
- Long-term care insurance options
- Health savings allocations
- Inflation-adjusted expense projections
- Estate structuring to prevent forced asset liquidation
“Peace of mind comes from knowing you’re covered—even when life throws the unexpected,” says the firm’s Director of Risk and Compliance.
Legacy as Part of the Plan
For many clients, retirement is not just about enjoying the present—it’s about ensuring the future. The company incorporates estate planning and philanthropic giving directly into retirement strategy.
Clients receive bespoke guidance on:
- Trust structures for asset protection
- Gifting strategies to children or charities
- Tax-optimized legacy transfers
- Living wills and powers of attorney
By aligning retirement with broader legacy goals, the firm helps clients make their later years both secure and significant.
ESG and Purposeful Investing
Increasingly, clients want their investments to reflect their values—even in retirement. Fairfield Stern Tokyo Japan offers portfolios that align with Environmental, Social, and Governance (ESG) principles, delivering strong returns while promoting sustainability, ethics, and positive impact.
From clean energy to gender equity funds, retirees can continue supporting causes they care about—without compromising performance.
“Retirement is an ideal time to be intentional,” says the firm’s ESG strategist. “You’ve built your wealth—now it’s about aligning it with your values.”
Retire with Confidence and Purpose
Retirement planning is about avoiding mistakes and making the most of life’s next chapter. Whether you’re ten years from retirement or ten months away, it is the best time to build a strategy that supports your dreams, reflects your values, and protects your loved ones.
Because retirement isn’t the end of your story—it’s the beginning of a new one. And Fairfield Stern is here to help you write it with confidence.
About Fairfield Stern Tokyo Japan
Fairfield Stern Tokyo Japan is a boutique wealth management firm serving high-net-worth individuals, families, and institutions. Headquartered in Tokyo, the firm offers tailored solutions in retirement planning, portfolio management, estate design, private equity, and global tax strategy.
With a team of international experts and a culture rooted in integrity, foresight, and personalized service, our company empowers clients to retire securely—and live with purpose.
Media Contact
Fairfield Stern Tokyo Japan
- Marunouchi, Chiyoda City, Tokyo
- press@fairfieldstern.com
- www.fairfieldstern.com