ABOUT
Meet the Financial Coach
Behind Holistic Wealth
I’m MJ Kawamoto, a former fee-only fiduciary financial advisor turned financial coach. I help people gain clarity, confidence, and control over their money so they can stop feeling behind, uncertain, and overwhelmed — and start aligning their money with what truly matters to them.
MY STORY
From Fiduciary Advisor to Financial Coach
Before becoming a financial coach, I spent around 8 years as a licensed, fee-only fiduciary financial advisor. During that time, I helped clients (primarily retirees) with financial planning, retirement planning, investments, tax strategies, and more. Mastering the technical side of personal finance was a large part of the role, but what I found myself enjoying most was understanding the people and their stories.
One thing I noticed again and again surprised me. Many of those who had done “everything right” on paper — living below their means, investing consistently, and building substantial retirement savings — still felt anxious or hesitant about their financial future.
This led me to the realization that financial peace of mind isn’t attained by reaching a certain account balance. Rather, it’s rooted in clarity, confidence, and a healthy relationship with money.
Ultimately, this inspired me to found Holistic Wealth, where my mission is to help people make sense of their money, gain confidence in their financial decisions, and intentionally align their finances with the life they want to live.
The Missing Piece I Noticed as a Financial Advisor
While working as a financial advisor, I realized something surprising. Many adults in their 20s, 30s, and 40s didn’t need someone to manage their investments or write them a complex financial plan. They needed someone to work alongside them as they navigated the everyday realities of money — and all the uncertainty that comes with it.
They needed a trusted guide to help them:
Create Money Structure
Build simple systems that help their money flow with purpose each month.
Build Healthy Money Habits
Develop consistent habits that make managing money feel easier.
Make Intentional Money Decisions
Clarify their values, priorities, and goals so money supports the life they want to live.
MY PHILOSOPHY
A Holistic Approach to Wealth
To me, wealth is about more than just a number like your net worth.
It’s having the money, energy, and time to do more of what you love.
Money is simply a tool, not the end goal. When used intentionally, it can create freedom, support your well-being, and help you experience a meaningful life.
My role as your financial coach is to help you develop the clarity, confidence, and practical systems to make intentional financial decisions — so your money supports your goals and dreams.
Wealth Is More Than Money
True wealth includes your time, health, relationships, energy, and peace of mind — not just your net worth.
Clarity Comes Before Strategy
Understand your full financial picture, values , and goals first — then create a plan that reflects them.
Enjoy Today & Prepare For Tomorrow
Find the balance between enjoying the present and planning for the future.
BACKGROUND & EXPERTISE
The Experience Beneath the Coaching
8 years as a licensed, fee-only fiduciary financial advisor
Comprehensive financial planning for individuals and couples
Retirement planning and income strategy
Investment management and portfolio oversight
Tax planning, tax-efficient strategies, and tax return preparation
100+ individuals and families served as as an advisor and coach
BEYOND COACHING
Living the Philosophy I Teach
As a former collegiate soccer player, health and fitness have always been important parts of my life. Outside of coaching, I enjoy spending most of my time outdoors and staying active. On any given day, you might find me hiking in the mountains, hitting the slopes, playing tennis or soccer, or taking a walk with my golden retriever, Taylor!
These are some of the experiences that bring me fulfillment and they’re what I choose to invest my time, energy, and money into. I bring that same perspective to my coaching: helping you create a financial life that supports whatever brings you joy, meaning, and purpose.
Ready to Build More Clarity With Your Money?
Start with a free, no-pressure conversation about where you are today and anything that feels confusing.