My name is MJ Kawamoto, Founder of Holistic Wealth Financial Coaching.
Why “Holistic Wealth”?
You might be wondering why I named my business Holistic Wealth. Here’s the reason:
True wealth isn’t just a number like your net worth. It’s the ability – having the money, energy, and time – to do what you love.
I believe personal finance is 70% personal and only 30% finance and numbers, which is why my approach focuses on you as a whole person.
Clarity on your income, spending, assets, and debts is vital; but understanding your values, goals, interests, and dreams is equally as important (and often overlooked).
Holistic wealth is built by aligning the numbers on a page with the life you actually want to live.
My Story: Fiduciary Financial Advisor to Coach
Before founding Holistic Wealth, I spent nearly 8 years as a licensed, fee-only fiduciary financial advisor, working primarily with retirees. I helped clients with financial planning, tax strategies, investments, and tax return preparation.
While mastering technical financial concepts was essential, what fascinated me most was people’s beliefs and emotions around money.
The most impactful clients were those who felt fear or anxiety around their money. Some had accumulated substantial retirement accounts (far more than they could ever realistically spend), yet they still hesitated to use it. Even after doing everything “right” by saving and investing, fear dictated their financial decisions.
I’m not saying that saving and investing isn’t important; it absolutely is. But money itself should never be the end goal. If you die with $5 million, that’s $5 million worth of experiences that you missed out on. Living a wealthy life now is just as important as planning for the future. After all, indefinitely delayed gratification is the equivalent of no gratification.
These experiences shaped my belief that wealth isn’t something you can see on a spreadsheet; rather, it’s something you feel in how you live each day.
With this perspective, and my background helping clients navigate complex financial decisions, I founded Holistic Wealth to make a meaningful impact on people’s relationship with money. Financial coaching is more than optimizing numbers, it’s about empowering you to approach every financial decision with knowledge and intention.
Health, Fitness, and Financial Wellness
As a former collegiate soccer player and lifelong health & fitness enthusiast, I understand firsthand how discipline, consistency, and intentional habits drive results – both on the field and in your finances. I also know the power of having the right coach in your corner.
Just like physical health, financial health requires clear goals, a structured plan, and the right support to stay on track.
The Holistic Wealth Principles
Purpose:
A wealthy life is the ability—having money, energy, and time—to do the things you love.
Clarity:
You define and design your own unique version of a wealthy life.
Intention:
Completely align your spending and money decisions with your wealthy life goals.
Structure:
Automate and simplify your financial system. Remove unnecessary complexities so you can focus on living.
Balance:
Live your wealthy life today. Don’t delay it indefinitely for a future life that may never come.
THE HOLISTIC WEALTH PROCESS
REFLECT: What experiences bring you fulfillment and joy? What do you value? What are your beliefs about money and wealth?
DREAM: What are your goals? What are you actually working toward? What do you want your life to look and feel like? Dream big!
ASSESS: Where do you stand financially right now? Look at the numbers. How do they make you feel?
DESIGN: Build your personalized “Holistic Wealth System” – a cashflow allocation plan built around your values & goals.
IMPLEMENT: Set up the right accounts in the right roles, and automate your system, so money goes where it should – quietly in the background.
LIVE: Enjoy your wealthy life without constantly stressing about money.
EVALUATE: As your life evolves, evaluate what’s working, what’s not working, and adjust accordingly.
WHAT A WEALTHY LIFE LOOKS LIKE
Here’s some examples of my version of a wealthy life:
- Going on a spontaneous mid-week hike because the weather is too nice to pass up
- Traveling to different cities to play tennis tournaments on the weekends
- Taking a long break to watch Premier League games in the middle of a workday
None of those may resonate with you, and that’s the point! Your wealthy life should reflect your values, goals, and passions.
For you, a wealthy life might look like:
Experiences & Travel
- Extending vacations “just because”
- Traveling to national parks in an RV
- Upgrading airplane tickets to first class for international trips
- Sitting front-row at concerts or sporting events
Family & Giving
- Paying for your entire family to gather during the holidays
- Funding your kids’ passions and lessons without hesitation
- Giving more to charity or volunteering
- Helping your parents financially as they age
Lifestyle & Personal Freedom
- Purchasing land and building your dream home
- Hiring a coach or teacher to learn a new hobby
- Eating at fine dining restaurants every month
- Employing a housekeeper to free up time
The beauty of the Holistic Wealth Process is that it helps you define your version of wealth and build a financial system that allows you to live it, without stress or guilt.
NEXT STEPS
Ready to start living YOUR Wealthy Life? Schedule a free Money Clarity Conversation today.