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    • Introduction / Professional
    • 2026/06/11 (Thu)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Why US M&A by Japanese Companies Fails Over 50% of the Time ？ - PMI Pitfalls and Prescriptions for Success Seen in the Field

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    What You'll Learn in This Article
    - The reality that the failure rate for cross-border M&A exceeds 50%, and its root causes
    - Lessons from notable failure cases, such as Toshiba ・ Westinghouse, Nippon Steel ・ and U.S. Steel
    - The true nature of the "cultural mechanisms" that cause PMI integration to fail
    – Four practical approaches for successful PMI integration
    - The Full Scope of Cross-Border M&A and PMI Support Provided by HGMI ・

    Introduction

    "We want to expand into the U.S." "We want to acquire promising American companies to enhance our global competitiveness"—many top Japanese executives harbor such ambitions. In fact, M&A activity by Japanese companies in the U.S. has remained robust in recent years; looking at 2024–2025 alone, cross-border deals worth hundreds of billions of yen have been announced one after another.

    However, the reality is harsh. The failure rate for cross-border M&A is said to exceed 50%, and only 12% of companies reported that post-acquisition performance was “exceeding plans,” according to an NRI survey.

    In other words, the reality is that 88% of companies are failing to deliver the expected results.

    Why do so many Japanese companies stumble in U.S. M&A? The root cause lies in “PMI （ Post-Merger Integration ： post-acquisition integration ） .” In this article, we will dissect representative failure cases to clarify the mechanisms behind PMI failures and present practical approaches for success.

    Chapter 1 ： Japanese Companies’ U.S. M&A Through Data "The Reality of Failure"

    The Harsh Reality: Only 12% Achieve Their Plans

    First, let’s examine the reality through data. According to a survey by the Ministry of Economy, Trade and Industry (METI) and NRI, among Japanese companies that have undergone cross-border M&A, only 12% reported that their post-acquisition performance was “exceeding plans.” The remaining 88% ended up with results that met or fell short of their plans.

    Even more shocking is the failure rate. Some surveys indicate that the probability of failure for cross-border M&A exceeds 50%, while the success rate is only around 10–30%. There are also claims that approximately 70% of all M&A deals in Japan fail.

    These figures illustrate just how high-risk a gamble growth strategies based on M&A truly are.

    The Structure of Failure ： PMI: The “Invisible Main Event”

    The most critical process for ensuring the success of an M&A transaction is PMI, which begins after the acquisition. However, many Japanese companies mistakenly view the signing of an M&A agreement as the “goal.”

    A report by a study group formed by NRI and the Ministry of Economy, Trade and Industry (METI) six main causes of PMI failure are identified ：

    Inadequate acquisition management structure ： M A

    Objectives ・ Lack of consensus on synergy scenarios ： The purpose of the acquisition is not shared internally

    Lack of strategic communication with the acquired company ： The vision has not been communicated to the acquired company

    Loss of key personnel ： Key personnel at the acquired company feel anxious and leave the company
    Prolonged business process integration ： Integration of IT systems and business workflows takes longer than anticipated

    Organizational culture ・ Lack of communication regarding cultural integration ： Differences in corporate culture between Japan and the U.S. create friction

    Key Points ： Japanese companies are particularly challenged by ⑥ "cultural integration." According to an international survey of Forbes 500 companies, the top causes of M&A failure are “incompatible corporate cultures” and “clashes in management styles.”

    Chapter 2 ： "PMI Pitfalls" Learned from Typical Failure Cases

    Case Study 1 ： Toshiba’s Acquisition of Westinghouse—The Downfall of Buying at the Peak and “Holding On”

    In 2006, Toshiba acquired Westinghouse, an American nuclear power company, for **$5.4 billion （ approximately 600 billion yen ） **. Although some pointed out that the acquisition price at the time was a “buying at the peak” that significantly exceeded the actual value, Toshiba completed the acquisition with the aim of becoming the world leader in the nuclear power business.

    The problem lay in the post-merger integration (PMI) that followed. After acquiring WH, Toshiba was unable to formulate a headquarters-led integration strategy, and the situation effectively remained one of “buying and leaving it at that.” With corporate governance failing to function, WH continued to accumulate massive losses.

    The 2011 Great East Japan Earthquake drastically changed the environment for the nuclear power business, and in 2015, Toshiba’s own accounting fraud was uncovered. Ultimately, WH filed for Chapter 11 bankruptcy protection in 2017, and Toshiba recorded a loss of over 700 billion yen.

    Lesson ： It is not enough to rely solely on due diligence; a post-acquisition business integration plan （ PMI plan ） must be meticulously formulated in advance; otherwise, even the most promising business can be crushed under the weight of the acquisition.

    Case Study 2 ： Nippon Steel’s Acquisition of U.S. Steel—The "invisible wall"

    In 2025, Nippon Steel’s acquisition of U.S. Steel was finally completed for approximately **$14.2 billion （ approximately 2 trillion yen ） **. However, the process became a textbook example of the “political risks” Japanese companies face in U.S. M&A.

    Nippon Steel announced the acquisition in 2023, but it met with fierce opposition from the United Steelworkers （ USW ） and the U.S. Congress. President Biden issued an order prohibiting the acquisition in January 2025, and the subsequent Trump administration also initially opposed it strongly.

    Ultimately, Nippon Steel made the unusual concession of issuing “golden shares （ special shares with veto rights ） ” to the U.S. government, thereby securing the acquisition. However, it remains unclear whether the $11 billion capital investment plan will bear fruit.

    Lessons ： U.S. M A requires not only pure business judgment but also “political due diligence” that includes politics ・, regulation ・, and lobbying. In particular, for sectors related to national security （ steel ・ semiconductors ・ telecommunications ・ infrastructure, etc. ）, CFIUS review poses a significant hurdle.

    Case Study 3 ： Common "HR PMI" Failures Among Japanese Companies— —Mass exodus of key personnel

    Research on M&A by Western companies has established a rule: “If major HR measures are not implemented within 100 days of the acquisition, key personnel will leave.” However, many Japanese companies are remarkably slow to address this issue.

    Workplace culture in the U.S. is fundamentally different from that in Japan. Under the principle of “At-Will Employment （,” employees will immediately change jobs if they are dissatisfied. When post-acquisition anxiety and dissatisfaction with treatment accumulate, talented personnel will flow to competitors.

    The “technology ・ know-how ・ and customer relationships” that were the objectives of the acquisition will vanish along with the talent.

    Chapter 3 ： Why PMI Integration Fails "Cultural Mechanisms"

    Fundamental Differences in Japanese and U.S. Business Cultures

    The primary reason PMI integration is difficult lies in the fundamental differences between Japanese and U.S. business cultures.

    ① Differences in Decision-Making Processes: In Japan, emphasis is placed on “formal approval procedures ・ laying the groundwork ・ and consensus building,” whereas whereas in the U.S., “rapid decision-making” under individual authority and responsibility is required. It is not uncommon for American executives, instructed by the Japanese headquarters to “check with everyone first,” to feel dissatisfied that they are not given authority and subsequently resign.

    ② Differences in Communication Styles: Japan’s nonverbal communication practices, such as “reading the air” and “reading between the lines,” can be a source of misunderstanding in the U.S. Japanese expressions that avoid clear feedback may be interpreted as “approval,” leading to important issues being neglected.

    ③ Evaluation ・ Differences in compensation systems: Japan’s seniority-based ・ collectivist evaluation system is unacceptable to American employees who value individual performance. The more talented the employee, the greater the risk that they will feel their abilities are not being fairly evaluated and leave the company.

    ④ Differences in time horizons: Japanese companies emphasize a long-term perspective, whereas in the U.S., there is intense pressure to deliver quarterly results. Even if the company’s policy is to “develop talent over the long term,” local employees ・, customers ・, and investors demand short-term results.

    The invisible risk of “integration fatigue”

    If the PMI integration drags on, “integration fatigue” sets in among local employees.

    According to a LinkedIn survey, the average tenure for tech roles in the U.S. is about one to two years. For Japanese companies where PMI integration takes three to five years, the local team will have turned over during that time, resulting in the loss of the know-how and human networks that were the original objectives of the acquisition.

    Important ： A prolonged PMI integration not only increases costs but also leads to the erosion of the acquisition’s intrinsic value.

    Chapter 4 ： Successful PMI Integration— —A Practical Approach

    Keys to Success ① ： The "PMI Plan" Must Be Formulated Before Closing

    The first step toward a successful PMI integration is to "complete the PMI plan before the acquisition closes."

    Three Elements to Clarify Before Closing ：

    Day 1 Plan （ Day 1 Plan a> ： Plan what to do starting the day after the acquisition closes, down to the hour

    100-Day Plan ： Set milestones to be achieved during the first 100 days
    Roadmap for Realizing Synergies ： Clarify when, what kind of synergies, and by which KPIs

    Keys to Success ② ： Ensure that a “cultural assessment” is incorporated into due diligence

    Alongside financial ・ and legal due diligence, it is essential to conduct “cultural ・ and organizational due diligence.”

    By thoroughly investigating the target company’s decision-making processes, evaluation ・ compensation systems, leadership styles, and current state of employee engagement, you can identify potential cultural friction that may arise after integration in advance.

    The Key to Success ③ ： Delegating Authority to “Local Leaders” and Building Trust

    A “Japanese-led” integration model, in which expatriates dispatched from the Japanese headquarters take control of management, often does not work in the United States.

    In successful PMI, it is crucial to appoint talented local personnel as leaders, while the Japanese headquarters focuses solely on governance （ setting the direction and monitoring ）. By granting local leaders clear authority and responsibility and providing adequate compensation for results, companies can retain top talent and improve organizational engagement.

    Keys to Success ④ ： Early Implementation of a Communication Strategy

    Immediately after the acquisition is completed, employee anxiety is at its peak.

    Specifically, holding a town hall meeting for all employees within 72 hours of the acquisition’s completion and clearly communicating “why this acquisition was made,” “what will happen to employees’ jobs,” and “what direction the company is heading in.”

    Chapter 5 ： “New PMI Challenges” Revealed by Nippon Steel’s US Steel Deal "New PMI Challenges"

    Nippon Steel’s acquisition of U.S. Steel, finalized in 2025, offers important insights for future M&A by Japanese companies in the U.S.

    Addressing political risks is at the core of M& > A strategies ： As CFIUS reviews become stricter, political hurdles are rising not only in sectors related to national security but also in the technology ・ infrastructure ・ and energy sectors.

    Building relationships with labor unions ： When acquiring companies in the manufacturing ・ logistics ・ and infrastructure sectors, building relationships with labor unions must be incorporated into the strategy from the initial stages.

    The Importance of Commitments to Capital Investment ： In the United States, making specific numerical commitments to “job creation” and “investment in the local community” has become a key means of gaining political ・ and social approval.

    Chapter 6 ： PMI Integration Support Provided by HGMI

    U.S. M A involves financial ・ legal ・ tax ・ labor ・ organizational culture ・ communication ・ IT integration, and .

    HGMI （ Horizon Global Management Integration ） is a professional firm dedicated to supporting the success of Japanese companies in the U.S. market, with a proven track record in cross-border M&A ・ PMI support.

    A key feature of HGMI’s PMI support is its “end-to-end” approach, covering everything from strategy formulation to execution.

    HGMI’s Areas of Support ：

    Cross-border M A Strategy Formulation and Target Selection

    Due Diligence （ Finance ・ Legal ・ Culture ・ Organization 6a>

    Day 1 Plan ・ 100-Day Plan ・ Formulation of a Roadmap for Realizing Synergies

    Support for Building a Local Leadership

    Formulation of Communication Strategy ・ Execution

    Monitoring Synergy Realization and Course Correction
    HGMI offers not just consulting, but an “action-oriented partnership” designed to help Japanese companies achieve real results in U.S. M&A.

    Summary ： What You Can Do Right Now to Succeed in U.S. M&A

    Many of the failures of Japanese companies in U.S. M&A arise from common patterns: "underestimating PMI," "underestimating the difficulty of cultural integration," and "failing to prevent post-acquisition talent drain."

    As Toshiba’s acquisition of Westinghouse demonstrates, even purchasing high-quality assets at a premium can lead to losses of hundreds of billions of yen if PMI integration fails. On the other hand, with the right PMI strategy and execution capabilities, cross-border M&A can become the most powerful growth engine to dramatically enhance the global competitiveness of Japanese companies.

    The first step toward successful M&A in the U.S. is to recognize that “PMI must be prepared for before the acquisition.”

    Furthermore, for specialized areas that cannot be handled by the company alone, involving experienced local partners at an early stage is the shortest route to success.

    For those facing challenges in their U.S. operations

    HGMI offers free consultations to help Japanese companies solve challenges in the U.S. market.

    Cross-Border Specialists ｜ HGMI
    Horizon Global Management Integration （ HGMI ） supports Japanese companies expanding into the U.S. ・
    www.horizongmi.com

    #ExpandingToTheUS # M &A #JapaneseCompanies #Business #GlobalExpansion

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    Original Article （ Note.com ） : https://note.com/masa_us_biz/n/n2a98b1b03215

    • Introduction / Professional
    • 2026/06/10 (Wed)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Why US M&A by Japanese Companies Fails Over 50% of the Time ？ - PMI Pitfalls and Prescriptions for Success Seen in the Field

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    What This Article Shows
    - The reality of a cross-border M&A failure rate of over 50% and its root causes
    - Representative failures including Toshiba ・ Westinghouse, Nippon Steel ・ US Steel Lessons Learned from Case Studies
    - Identity of "cultural mechanisms" that cause PMI integration to fail
    - Four practical approaches for successful PMI integration
    - HGMI offers Cross-Border M&A ・ Complete PMI Support

    Introduction

    "I want to expand into the US" or "I want to increase my global competitiveness by acquiring a promising US company" - many top Japanese executives have these ambitions in mind. In fact, U.S. M&A deals by Japanese companies have continued to be active in recent years, with a string of cross-border deals worth several hundred billion yen in the 2024-2025 period alone.

    However, reality is harsh. The failure rate of cross-border M&A is estimated to be over 50%, and only 12% of companies responded that their post-acquisition performance is "performing above plan" （ ） according to the NRI survey .

    In other words, 88% of companies are not performing as expected.

    Why do so many Japanese companies stumble in US M&A? The root cause lies in "PMI （ Post-Merger Integration ： Post-Acquisition Integration ）. This paper dissects a typical failure case, clarifies the mechanisms by which PMI integration fails, and presents a practical approach to success.

    Chapter 1 ： US M in Japanese Companies&A "Reality of Failure"

    The harsh reality that only 12% of plans are achieved

    First, let us check the reality with data. According to a survey conducted by METI and NRI, only 12% of all Japanese companies that have experienced cross-border M&A have reported that their post-acquisition performance has been "ahead of plan. The remaining 88% have performed in line with or below plan.

    Even more shocking is the failure rate. Some studies have shown that the failure rate for cross-border M&A is over 50%, with a success rate of 10-30%. It is also noted that about 70% of all M&A in Japan have failed.

    These figures illustrate how risky a gamble the M&A growth strategy is.

    The Structure of Failure ： The "Invisible Production" of PMI

    The most important process for a successful M&A is PMI, which begins after the acquisition. However, many Japanese companies mistakenly believe that the conclusion of the M&A agreement is the "goal.

    A study group report by NRI and METI points out six main causes of PMI failure ：

    Inadequate acquisition promotion structure ： No team formed for post-M&A integration
    a> Purpose ・ Insufficient agreement on synergy scenario ： Insufficient internal sharing of what the acquisition was for

    Insufficient strategic communication with the acquired company ： Vision not communicated to the acquired company

    Loss of key personnel ： Key personnel of the acquired company leave the company due to anxiety

    Prolonged business process integration ： IT system and business flow integration takes longer than expected

    Organizational climate ・ Cultural integration Insufficient communication ： Differences in corporate culture between Japan and the U.S. create friction

    Key point ： Japanese companies are particularly poor at ⑥ "cultural integration" In an international survey of Forbes 500 companies, the top cause of M&A failure was "incompatible corporate culture" and "management culture. incompatible corporate cultures" and "clashing management styles" are the top causes of M&A failure.

    Chapter 2 ： "Pitfalls of PMI" Learned from Typical Failures

    Case Study 1 ： Toshiba's Acquisition of Westinghouse--The End of Overpriced and "Buy and Hold"
    In 2006, Toshiba acquired Westinghouse, an American nuclear power company, for **$5.4 billion （ about 600 billion yen ） **. Although the purchase price at the time was considered "overpriced," far exceeding the actual value, Toshiba completed the acquisition with the aim of becoming the world leader in the nuclear power business.

    The problem lay in the subsequent PMI. After acquiring WH, Toshiba was unable to draw up a headquarters-led integration strategy, and essentially remained in a "buy-and-hold" situation. Without functioning corporate governance, WH went on to incur huge losses.

    The 2011 Great East Japan Earthquake radically changed the environment for the nuclear power plant business, and in 2015, the window dressing of Toshiba itself was revealed. Ultimately, WH filed for Chapter 11 （ Chapter 11 ） bankruptcy in 2017, and Toshiba posted a loss of over 700 billion yen.

    Lesson learned ： If not only due diligence but also a post-acquisition business integration plan （ PMI plan ） is not elaborated in advance, even the best business will crumble under the weight of the acquisition.

    Case Study 2 ： Nippon Steel's Acquisition of US Steel--The "Invisible Wall" of Political Risk

    In 2025, Nippon Steel's acquisition of US Steel will cost about ***14.2 billion （. about 2 trillion yen ） ** and was finally concluded. But the path taken was a textbook case of the "political risk" that Japanese companies face in U.S. M&A.

    Nippon Steel announced a takeover in 2023, but was fiercely opposed by the United Steelworkers of America （ USW ） and the US Congress. President Biden issued a takeover ban in January 2025, and the subsequent Trump administration initially opposed the deal forcefully.

    Finally, Nippon Steel made an unusual concession by issuing "golden shares （ special shares with veto rights ）" to the U.S. government, and the acquisition was completed. However, it remains unclear whether the $11 billion capital investment plan will bear fruit.

    Lessons ： Learned U.S. M&A requires not only pure business judgment but also "political due diligence," including political ・ regulatory ・ lobbying. CFIUS review is a particularly high hurdle for security-related industries （ steel ・ semiconductors ・ telecommunications ・ infrastructure, etc ）.

    Case 3 ： "HR PMI" failure common to Japanese companies--massive departure of key personnel

    M&A study of Western companies found that "major HR A study of Western companies has shown that "if major HR measures are not taken within 100 days of an acquisition, key personnel will leave the company". However, many Japanese companies are remarkably slow to respond to this point.

    Workplace culture in the U.S. is fundamentally different from that in Japan. Under the principle of "At-Will Employment （ ）," employees change jobs immediately if they are not satisfied. If there is a combination of uncertainty and dissatisfaction with treatment after an acquisition, talented personnel will flow to competitors.

    The "technology ・ know-how ・ customer relationships" that was the purpose of the acquisition disappears along with the personnel.

    Chapter 3 ： "Cultural Mechanisms" for PMI Integration Failure

    Fundamental Difference between Japanese and U.S. Business Cultures

    The biggest reason why PMI integration is difficult is that the Japanese and American business cultures The biggest reason why PMI integration is difficult is that Japanese and U.S. business cultures are fundamentally different.

    ① Difference in decision-making process In Japan, "approval ・ rooting out ・ consensus building" is emphasized, while in the US, "quick decision-making" is required under individual authority and responsibility. It is not uncommon for American executives who have been instructed by the Japanese headquarters to "check with everyone first" to leave their jobs, frustrated as to why they are not given authority.

    ② Differences in Communication Styles Japanese nonverbal communication, such as "reading the air" and "reading between the lines," is a source of misunderstanding in the US. Japanese expressions that avoid clear feedback are sometimes taken as "approval" and important issues are left unaddressed.

    ③ Evaluation ・ Differences in compensation systems Japanese-style seniority system ・ Collectivist evaluation is not acceptable to American employees, who value individual performance. The more talented employees feel that their abilities are not evaluated fairly, the higher the risk that they will leave the company.

    ④ Difference in time horizon Japanese companies emphasize a long-term perspective, but in the U.S. there is strong pressure for quarterly performance. Even if they believe in a "long-term growth policy," local employees ・ customers ・ and investors are looking for short-term results.

    Invisible risk of "integration fatigue"

    Prolonged PMI integration causes "integration fatigue" among local employees.

    According to a LinkedIn survey, the average tenure of tech jobs in the U.S. is 1-2 years; for Japanese companies that take 3-5 years for PMI integration, the local team is replaced during that time and the know-how and human network that was the original acquisition objective is lost.

    Important ： Prolonged PMI integration does not just increase costs, but leads to the disappearance of the acquisition value itself.

    Chapter 4 ： Successful PMI Integration--A Practical Approach

    Keys to Success ① ： "PMI Plan" Developed Before Closing
    The first step to successful PMI integration is to "complete the PMI plan before the acquisition closing".

    Three elements to clarify before closing ：

    Day 1 Plan （ First Day Plan ） ： Plan in hours what to do starting the day after acquisition closing
    100-day plan ： set milestones to be achieved in the first 100 days

    Synergy realization roadmap ： define when, what synergies and which KPIs to measure

    Keys to Success ② ： Be sure to incorporate "culture diagnostics" into your due diligence

    Financial ・ Along with legal due diligence, it is essential to conduct "cultural ・ organizational due diligence".

    A detailed examination of the potential acquirer's decision-making process, reputation ・ compensation system, leadership style, and current state of employee engagement can identify in advance any cultural friction that may arise after the integration.

    Keys to Success ③ ： Delegating authority to "local leaders" and building trust

    The "Japanese-dominated" integration model, in which expatriates sent from the Japanese headquarters take over management, often does not work in the US.

    In a successful PMI, it is important to have a division of roles, with excellent local talent appointed as leaders and the Japanese headquarters committed to governance （ direction setting and monitoring ）. By giving local leaders clear authority and responsibility, and by rewarding them sufficiently for their achievements, it is possible to retain talented people and improve organizational engagement.

    Keys to Success ④ ： Implement a communication strategy early

    Immediately after the acquisition is completed, this is when employee anxiety is at its highest.

    Specifically, it is effective to hold a town hall meeting for all employees within 72 hours of the completion of the acquisition to clearly communicate why the acquisition was made, what will happen to employees' employment, and where the company is headed.

    Chapter 5 ： Nippon Steel's US Steel Deal Shows "New PMI Challenges"

    Nippon Steel's US Steel acquisition, which was approved in 2025, has important implications for future US M&A for Japanese companies.

    Dealing with Political Risks is at the Core of M&A Strategy ： As CFIUS examinations become more stringent, political hurdles are increasing not only in security-related industries, but also in technology ・ infrastructure ・ and energy sectors.

    Building relationships with labor unions ： Manufacturing ・ Logistics ・ When acquiring infrastructure-related companies, building relationships with labor unions needs to be part of the strategy from the early stages.

    Importance of Capital Investment Commitments ： In the U.S., committing to "job creation" and "investment in the community" in concrete numbers is an important way to gain political ・ and social approval.

    Chapter 6 ： PMI Integration Support Provided by HGMI

    PMI Integration in the U.S. M&A is a key component of financial ・ legal ・ tax ・ labor ・ organizational culture a> Communications ・ IT Integration, etc., is a highly complex project involving all areas of expertise.

    HGMI （ Horizon Global Management&Integration ） is a professional firm that helps Japanese companies succeed in the US market by providing cross-border M&A with an extensive track record in PMI support.

    HGMI's PMI integration support is characterized by a "one-stop-shop" approach from strategy formulation to execution.

    HGMI's Areas of Support ：

    Cross Border M&A Strategy Development and Target Company Selection

    Due Diligence （ Finance ・ Legal ・ Culture ・ Organization ）

    Day 1 Plan ・ 100 Day Plan ・ Synergy Realization Roadmap Development

    Local Leadership Structure Support

    Communication Strategy Planning ・ Execution

    Synergy Realization Monitoring and Trajectory Correction

    HGMI provides not just consulting, but an "implementation partnership" to help Japanese companies achieve real results in the US M&A implementation-oriented partnerships.

    Summary ： What you can do now to succeed in US M&A

    Many Japanese companies fail in US M&A because they "neglect PMI," "underestimate the difficulty of cultural integration," and "fail to prevent talent loss after acquisition. The common pattern of failure is "neglecting PMI," "underestimating the difficulty of cultural integration," and "failing to prevent the exodus of human resources after the acquisition.

    As Toshiba's acquisition of Westinghouse demonstrates, buying quality assets at a high price can lead to hundreds of billions of yen in losses if PMI integration fails. On the other hand, with the right PMI strategy and execution, cross-border M&A can be the strongest growth engine to dramatically increase the global competitiveness of Japanese companies.

    The first step to a successful U.S. M&A is to recognize that PMI should be prepared before the acquisition.

    And for specialized areas that cannot be handled by the company alone, early involvement of an experienced local partner is a shortcut to success.

    For those who have problems with their U.S. business

    HGMI offers free consultations to help Japanese companies solve problems in the U.S. market.

    Cross-Border Specialists ｜ HGMI
    We update you daily with the latest insights on doing business in the US and M&A
    www.horizongmi.com

    #Entry into the US #M&A #Japanese Companies #Business #Overseas Expansion

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    Original article （ Note.com ） : https://note.com/masa_us_biz/n/n2a98b1b03215

    • Introduction / Professional
    • 2026/06/09 (Tue)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Osaka] Mayumi Ozaki & Co. to exhibit at Overseas Business EXPO 2026 ！ ｜ Mayumi Ozaki & Co.

    We are pleased to announce that we will be exhibiting at the "Overseas Business Expo 2026 Osaka" to be held in Osaka on June 25 （ Thursday ）, 2026.
    This is one of the largest events in Japan where experts ・ in overseas expansion and international business and support organizations gather.

    We focus on tax ・ and accounting support across the US and Japan, helping people with businesses and assets between the US and Japan.

    We will be at the booth on the day

    ・ Consulting on tax issues between Japan and the US
    ・ Consulting for companies considering entering the US
    ・ Consulting for US residents regarding Japanese assets
    ・ Inheritance between the U.S. and Japan ・ Consultations regarding gifts

    and more.

    We look forward to this rare opportunity to meet with you in person, as we usually communicate online.

    If you are in the area or plan to attend the event, please feel free to stop by.

    Overseas Business Expo 2026 Osaka

    📅 June 25, 2026 （ Thu ） 10:00 ～ 17:00
    📍 OMM 2F Exhibition Hall A ・ B F
    1-7-31 Otemae, Chuo-ku, Osaka

    We look forward to seeing you all at the venue.

    Tax returns are not "just to file".
    correctly ・ safely ・ and advantageously.
    Check with an expert first.

    • Event / Finance / Insurance
    • 2026/06/09 (Tue)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    💡US Bank × insurance110usa seminar💡 （ free online seminar ）

    Click here to apply ：
    https://insurance110usa.com/webinar/collaboration-usbank/

    Do you have these questions about your US bank account after returning ？
    ・ You can maintain your U.S. bank account after returning to your home country ？
    ・ What should you be aware of when using your account from Japan ？
    ・ What should you be aware of when maintaining your account ？

    This seminar is for those expatriates who have been in Japan for a while. This seminar is designed to provide useful information for expatriates before and after their return to the U.S., to help them resolve any questions or concerns they may have about their U.S. bank accounts after their return to the U.S.
    We have invited US Bank as a guest speaker to share information and tips on how to maintain a bank account in the U.S. after returning to your home country.

    - - Seminar Contents - - -
    1. What is a bank account for expatriates [GTS account] ？
    2. Features of GTS account ・ Benefits
    3. How to use from Japan
    4. How to prevent dormancy
    5. how to open a [GTS account]
    6. how to handle W8-Ben

    If you have any concerns or worries about managing your bank account after returning home, please join this seminar ！
    This seminar is FREE! This will be a Zoom seminar and no customer appearance ・ audio is required ❎
    During the Q&A session at the end of the seminar, you can ask questions anonymously using the chat function.

    *Seminar start time varies depending on each area. Please check from the registration page.

    • Introduction / Professional
    • 2026/06/09 (Tue)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    The beautiful expansion strategy slides are complete. So who's going to go to the US and form a corporation ？?

    ▼ Image ▼

    - Consulting Firms ・ "Execution Phase Wall" Faced by Marketing Firms and How to Break Through

    Intended Readership:

    Management consulting firms in Japan Partner

    Head of a marketing firm ・ Director

    Professional who is increasingly consulted by clients on "overseas expansion"

    Introduction ： Why the perfect strategy is not as well executed

    As a professional, you have drawn up the perfect strategy for your client.
    Market research is perfect. The competitive analysis is meticulous. The target segment is clear and the go-to-market strategy is seamless.
    The client's management team was so impressed with the presentation that they announced in high spirits, "Okay, let's go with this ！ and enter the US market ！.

    The project was a great success. As a consultant, I couldn't be more pleased.

    … … But six months later.
    "What happened to that project ？?" you ask the client, and the person in charge answers awkwardly.

    "No, … … Actually, we are still stuck in the process of establishing a local subsidiary … …"
    "There is no suitable person in charge and the project itself is pending"

    This, This is the **"inconvenient truth "** of our consulting industry.

    No matter how beautiful the strategy is, no matter how much winning logic is built up, unless the last and biggest piece of the puzzle, "Who is going to actually go to the US and sweat to implement it ？"** is filled, the project will end up as a pie in the sky.

    Over the years I have been based in New York City helping Japanese companies expand their business in the U.S., I have seen countless projects that abort due to this pattern.
    We have a strategy. You have the budget. The motivation is there.
    But there is no **"Execution Force （ ）"**.

    In this paper, we will discuss why this "execution phase barrier" is so high and prevents many companies from entering the US market. And how small and medium-sized consulting firms and marketing companies without resources can overcome this barrier, win the trust of their clients, and turn it into a business opportunity for themselves, will be thoroughly explained.

    Chapter 1 ： The Abyss Between "Strategy" and "Execution"

    1-1. The Illusion That "Someone" Should Be There

    In many consulting projects, the strategy development phase includes "building an execution structure is sandwiched between two slides.
    There, tasks such as "establishing a local subsidiary," "hiring a country manager," and "opening an office" are neatly lined up.

    However, the subject matter of **"who "** is to perform the task is often left vague.
    The client side thinks: "I've paid a high fee to get a strategy done. （ "We paid a high fee to have a strategy created, so the consultant should be able to do something or introduce us to someone ）"
    The consultant thinks: "We are a strategy firm, not a consultancy. We are a strategy firm, not an agency.

    This misalignment of expectations, this vacuum of responsibility, is the first cause of project breakdown.

    1-2. "We can get by if we just go for now" is a big mistake

    Even more troublesome is the optimism that clients （ especially managers ） tend to have, "We can get by if we just send one good young person to America. This is the optimism that is often held by clients and especially managers .

    In the past, during the period of rapid economic growth, it may have been possible for an expatriate to go into a country by himself and open up a market by being a jack-of-all-trades and having guts.
    However, the United States in the 2020s is different.
    In today's highly specialized, highly litigious, and complexly intertwined world of compliance requirements, there is no limit to what a single "go-getter" can do.

    As we will discuss later, it can take several months to open a bank account. Visa requirements are getting stricter year by year, and a business plan written by an amateur will get you turned away at the gate. No one will rent office space to a foreigner without a personal credit history （ ）.

    These "muddy practical barriers" are not visible during the strategy formulation phase. It is only when you actually land on the ground and take the first step that you are confronted with the ruthless reality of the situation.

    1-3. The Dilemma as a Consultant

    On the other hand, as a consultant yourself, you must be dimly aware of this problem.
    "The client may not have the ability to execute"
    "But we don't have staff who can be stationed in the U.S."
    "We have an affiliated accounting firm, but they only do the 'procedures' and not the 'business start-up'"

    As a result, all they can do is make tea with regular monthly meetings in the name of "implementation support" or wish us "good luck".
    This should be deeply distressing for any honest professional.

    Chapter 2 ： A full dissection of the "initial practice of entering the U.S. market," which is so demanding

    Then, what specific barriers await you in the "execution phase" ？
    Many people imagine a "language barrier" or The "language barrier" or "cultural barrier" that many people imagine is just the beginning.
    Let's take a closer look at the "practical barriers" at a level that threatens the survival of a company.

    2-1. [Incorporation ・ Bank Accounts] You are suddenly in a labyrinth from the entrance

    "Incorporation is just a few days online in Delaware ？"
    If you think so, you need to change your perception. If that's what you think, you need to change your mind. Sure, incorporation （ itself is easy. However, it is an endless journey to become a "functioning corporation".

    The biggest challenge is opening a bank account.
    Due to stricter anti-money laundering （ KYC ）, US banks are extremely reluctant to open accounts for "insubstantial paper companies".
    No representative travels to the US, no physical office, no local employees. It is now almost impossible to open a corporate account with a major bank （ such as Chase, BoA, Citi, etc. ） in such a situation.

    Saying "we are listed in Japan" or "we have several hundred million yen in funds" does not work. They look at **"local substance （ Substance ）"**.
    This is where many companies get stuck for months. Without an account, they can't send capital, rent office space, or hire anyone. Business ends before it begins.

    2-2. [Visa ・ work status] President cannot enter the US

    "Let's just go to the US under ESTA （ tourist ・ commercial visa waiver program ） and prepare"
    This is another dangerous trap: working under ESTA is strictly prohibited. Frequent or prolonged travel to the U.S. will result in being sent to a separate room at immigration, or worse, being banned from entering the country.

    You can get an expatriate visa （ L-1 ） or an investor visa （ E-2 ） but this requires a solid business plan and a track record of substantial investment already （ Risk Capital ） is required.
    "I'm just getting started" will not get you a visa. You need the logic of "I've already done this, so I need a visa."
    To solve this "chicken and egg" problem （ you can't move without a visa vs. no visa without a track record ） you need arrangements based on advanced practical experience.

    2-3. [Real Estate ・ Office] Not renting to those without "credit"

    "WeWork is fine"
    Certainly an option, but some industries require physical warehouses, stores, dedicated offices It is certainly an option. Also, there are an increasing number of cases where a "virtual office is not allowed" for opening a bank account.

    Commercial real estate leasing （ Commercial Lease ） in the US is much more lender （ Landlord ） friendly than in Japan.
    Especially for newly established corporations and foreign companies, the conditions are harsh.
    The biggest problem is **"Personal Guarantee （ Personal Guarantee ）"**.
    This is a contract that says, "If the company is not trustworthy, the individual representative must assume full responsibility. Can a Japanese representative personally guarantee the payment of tens or hundreds of millions of yen in rent ？ if the company has to withdraw ？

    Also, the contracts are voluminous: the 50+ page English language contract includes clauses such as "If the air conditioning breaks, the tenant must fix it" and "The tenant must pay the increased property tax. If you overlook these clauses and sign the contract, you will be liable to pay the increased property tax later. If you overlook these clauses and sign the agreement, you will incur huge costs later.

    2-4. [IT ・ Logistics] Cannot procure even one PC

    Are you bringing in a hand-carried PC from Japan ？ The difference in keyboard layout is a minor issue, but what about support in case of failure? ？
    PCs provided to locally hired staff are ？
    subject to customs duties, time consuming delivery, and risk of loss if sent from Japan.
    Even if you try to procure them locally, it is very difficult to get a corporate credit card （ which is also very difficult to get a credit card ） with a limit that is too low to pay.

    2-5. [Hiring ・ Labor Management] The baptism of a litigation powerhouse

    This is the most frightening area.
    The U.S. is a country of "At-will Employment （ At-will employment ）", which means that in principle you can be fired … … at any time, which is half right and half wrong.
    It is precisely because they can be fired at any time that terminated employees file lawsuits claiming that they were discriminated against or retaliated against unfairly.

    Job ・ Description （ Asked for work not in job description ）

    Asked "are you married ？" during interview

    Calculating overtime pay Rules （ are completely different from state to state ）

    All of these can spark a lawsuit.
    If you ask for "A-Un" or "flexible response" in the Japanese sense, you will be hurt.
    Different labor laws in different states, creating （ Employee Handbook ）, setting up payroll （ Payroll ）, and benefits （ ）.
    It is impossible to do all of these things "on the side of your day job".

    Chapter 3 ： Clients who choose the "wrong solution"

    When faced with these difficulties, clients try to find a solution somehow. However, in many cases, they choose the wrong option, widening the wound.

    3-1. Ask "local acquaintances"

    "The son of a friend of the president is studying in New York … …"
    "The wife of an expatriate is going to help … …"

    One of the most dangerous patterns.
    They may indeed speak English, and they may be familiar with local life.
    But they are not **"business professionals "**.

    They handle corporate registration procedures, negotiate commercial leases, and manage labor risks. These are tasks that require a high degree of expertise.
    The misconception that "I can speak English ＝ and do business" can lead to irreparable problems later.
    In addition, relationships that rely on the "good will" of individuals are fatally flawed because they cannot be held accountable when trouble occurs.

    3-2. Freelance ・ Searching on matching sites

    This is the case of finding a "local coordinator" on Upwork or Crowdworks.
    Interpretation, translation, or simple market research would be good. However, it is nothing but a gamble to entrust the start-up work that determines the fate of the company to freelancers who are faceless and have no legal responsibility.
    The risks of losing touch, leaking confidential information, and extremely low quality … … are just too many to list.

    3-3. throwing in a major consulting or law firm

    This may be possible for a large company with a large budget.
    However, if you ask a major firm such as Big4 to do the work, the cost will be enormous （ from tens of millions of yen to ） tens of millions of yen.
    Also, lawyers will give you "legal advice," but they won't do the **"hands-on, muddy work "** such as "going to preview the property and taking videos" or "negotiating at the bank counter.
    In the end, it comes back to the original problem of getting expensive advice but not having someone to implement it.

    Chapter 4 ： The Choice of Execution Partner （ Execution Partner ） as a Solution

    So how do we overcome this "execution phase barrier"?
    The answer is for you as consultants and marketers to have an "Execution Force （ ）" outside of the company.

    This is a concept that is distinct from traditional outsourcing （ which is simply work on your behalf ）.
    It means having a **"local alter ego "** that understands the strategy and works autonomously with the local （ context ）.

    A "Shadow COO" connecting the "strategy" and the "field"

    What is needed are not brains that draw pretty slides, but hands and feet that complete muddy practical work.
    Specifically, a partner who can move

    Incorporation ・ Representation in basic practices:
    Winding up the muddy practices that "shape the company," such as tough negotiations with banks, building credit for expatriates without social security numbers, dealing with local tax offices, etc.

    Hands-on team for opening the office:
    Complete the physical start-up work on site, from property previews, contract negotiations, infrastructure development, and furniture delivery.

    Compliance bulwark:
    Prepare work rules （ Employee Handbook ） and hire local staff ・ labor management in light of different state labor laws and litigation risks.

    By working with an "Execution Partner" with these capabilities, for the first time your strategy will move beyond the "picture" and start working as your client's business.

    We at HGMI （ Horizon Global Management&Integration ） also exist to fill this "last mile" between strategy and the field.
    Our mission is to be the "local business unit" for our consultants, acting as the black （ White Label ） to help our clients successfully enter the U.S. market.

    Conclusion ： Redefining the value of consulting

    In the future, it will become increasingly difficult to satisfy clients simply by drawing strategies.
    In an age where information is democratized and AI can create strategy templates, the value of professionals will shift to **"how we changed reality （ Execution ）"**.

    "Expanding into the US, that's interesting. Let's do it."
    After that one word, if you could continue, "Well, we'll start moving our New York team next month, and we'll start with corporate registration and property selection.

    That is no longer just an advisor.
    It is a **"true partner "** who takes risks and builds the business with the client.

    Having the "hands" and "feet" to take the great strategy you have drawn up and turn it into reality.
    That should be the key to dramatically extending the value of your firm's offering.

    If you need help with the "execution" part, I am always a wallflower.
    I wish I could give you real temperatures from the field in New York and Dallas.

    ━━━━━━━━━━━━━━━━
    Original Article （ Note.com ） : https://note.com/masa_us_biz/n/n4c075b4d69ca

    • Introduction / Professional
    • 2026/06/05 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    No Need for a "Country Manager." 3 Reasons Why You Shouldn't Hire a "Big Shot" to Expand in the U.S.

    ▼ Image ▼

    Introduction ： Why Hiring VP Sales from Google Fails ？

    "We don't know the US market, so let's leave it to local professionals."
    With this in mind, I was introduced to a "big shot" （ former VP Sales from Salesforce and Oracle ） for 30 million yen （ $ 300k ） a year as a "Country Manager （ Hire as "Country Manager ）" for 300k .

    This is the **shortest route to ruin** that many Japanese startups take, and the most repeatable "failure pattern" that I know of.

    They may indeed be "selling professionals". Their English is native, their presentations are polished, and their LinkedIn profiles shine.
    But they are **not** "company-building professionals." **
    They have never done the muddy practicalities （ Operations ） of registering a corporation from scratch, opening bank accounts, making work rules, renting cheap office space … … and so on. In their previous careers, someone （ at headquarters ） had prepared everything for them.

    What happens as a result ？
    After 3 months in the company, they start complaining that they can't sell because they don't have support from HQ （ HQ ）, spend a lot of money on entertainment and entertainment expenses, and finally quit the whole team saying that they cannot work in this environment. .
    All that was left was an empty office, a loss of several hundred million yen, and the trauma of "I can't make it in the US.

    This article thoroughly explains in 6,000 words the **"Shadow COO Model "**, an organizational strategy to avoid this "country manager trap" and to ensure a bridgehead in the US market.

    Chapter 1 ： Country Managers （ Structural Flaws of Mercenaries ）

    Why are they not functioning when they are supposed to be excellent ？
    It is not a matter of individual competence but of **" phase mismatch" and "structural conflicts of interest "**.

    1-1. "Sellers" cannot "defend"

    80% of the work required in the early US offices is not glamorous sales. It is the humble and muddy** "set-up （ start-up ）"**.
    legal （ corporate registration, visas ）, accounting （ banking, payroll ）, HR （ insurance, recruitment ）, administration （ office, IT ）.
    Without these "defensive" foundations （ Infrastructure ）, accelerating （ sales ） will only spin the tires.

    However, Country Managers （ and CMs ） from sales backgrounds do not like this "defensive" job. Or they are not capable of it.
    They take pride in the fact that they were hired to make sales, so they neglect back-office operations and leave them to the head office.
    On the other hand, the Japanese head office also turns them away, saying, "I don't know about the U.S.".
    Thus, a **"void where no one is responsible （ Legal&Compliance Vacuum ）" is created.

    This vacuum is the breeding ground for later non-compliance, unaccounted for funds, and litigation.

    1-2. Incentive Mismatch （ Conflicts of Interest ）

    CMs are often evaluated on short-term results （ first year sales ） and, as such, are often not evaluated on the basis of their performance.
    Therefore, they tend to be "short-sighted" in

    Unreasonable discounting: in order to get a short-term contract, they give a huge discount, ignoring the profit margin and brand damage at the head office.

    Inappropriate hiring: listening to oneself （ but with low ・ or too high ） competence, hiring former subordinates or friends at high salaries to create one's own kingdom （ Fiefdom ）.

    Hiding information: not reporting bad news （ lost orders or customer problems ） to headquarters, fudging numbers.

    For them, the head office is not a "shareholder" but only a "noisy sponsor" with a wallet.

    1-3. black-boxing local subsidiaries

    "There is an American way of doing things," "Don't talk to us from Tokyo.
    Using English ability and the language barrier as a shield, they sanctify （ and black box ） the local subsidiary.

    As this progresses, the head office loses all grasp of the real local situation （ pipeline certainty, employee dissatisfaction, and true cash flow ）.
    The next thing you know, all the customer data and know-how is in the CM's personal PC, and all the other employees are under the CM's breath.
    You are in a hostage situation where "if you fire him, your U.S. business is finished."
    This is a complete defeat of governance.

    Chapter 2 ： How to Create the Right Organization Chart "Shadow COO Model"

    So what to do ？
    The answer is simple. **"The first one must not be a salesman "**.

    Step 1: Founder does top sales

    Finding the first 10 customers in the US market is the job of the Founder （ Founder ） and other head office management team.
    It does not matter if your English is poor. You may have an interpreter.
    What is important is passion for the product, vision, and the authority to "change specifications and make pricing decisions on the fly". This is a weapon that a hired CM can never have.
    The road to PMF （ Product Market Fit ） is closed when it is thrown to "local professionals". This is because products will not evolve unless they hear directly from customers.

    Step 2: The first hire is the "Shadow COO （ Practitioner ）"

    Founder should hire a highly paid VP Sales （ to focus on the offensive ）, not a highly paid VP Sales Operations Manager/Chief of Staff" to take on the heavy lifting.
    I call this the "Shadow COO （ Shadow Practitioner ）"** as the person who supports the top management behind the scenes.

    [Shadow COO Action Plan ： First 90 days]

    Month 1: Start up

    Incorporate, open bank account （ This is the hardest ）.

    Office contracts （ WeWork etc ） , IT equipment arrangements.

    Accounting software （ QuickBooks ）, Payroll software （ Gusto ）.

    Developing （ Employee Handbook ） （ Working with Attorneys ）.

    Month 2: Preparation for Hiring

    Create JD for local hiring, benefits （ Design medical insurance etc ）.

    Contract with recruiter, start sourcing on LinkedIn.

    Visa （ E2/L1 ） Processing support.

    Month 3: Sales Support

    CRM （ Salesforce/HubSpot ） setup.

    English translation of sales materials ・ Localization.

    Exhibition arrangements.

    Prepare monthly report to head office.

    They don't make "sales" but they set up a perfect foundation （ Landing Pad ） for making sales.
    This allows the Founder to fight on the front lines with peace of mind, instead of being busy with miscellaneous tasks.

    Step 3: Hire VP Sales after PMF is seen

    Founder and Shadow COO tag team to get a few customers and see "why we sell （ winning patterns ）".
    Only at this stage do we employ "VP Sales" to scale it.

    In this order, once VP Sales joins,

    there is a product to sell （ PMFed ）.

    Back office is in place （ Shadow COO is in place ）.

    Head office governance is in place （ Founder knows customers ）.

    We have created a healthy environment where.
    VP Sales can also focus on selling without "extra paperwork", which maximizes performance and drastically reduces the risk of early turnover.

    Chapter 3 ： "Matrix Organization", the key to governance

    The greatest advantage of having a Shadow COO is that **"the headquarters can control the local level "**.

    Design reporting lines

    VP Sales: reports to CEO/CRO at HQ for sales targets.

    Shadow COO: reports directly to CFO/CHRO at HQ for expenses, HR, legal, not local VP Sales （ Solid Line ）.

    It is important to make this "twist".
    The local purse strings （ accounting ） and HR （ hiring ・ evaluation ） are separated from VP Sales and held by HQ through Shadow COO.

    This allows for
    "VP Sales tried to hire a friend at a higher salary on his own, but Shadow COO gave NG based on HQ rules"
    "Shadow COO found out that entertainment expenses were being used and reported it to CFO at HQ" and **"Check （ Check&Balance ）"** works.

    The Shadow COO acts （ like a subordinate of the VP Sales in the field and provides ） support, but functionally acts as （ an auditor ） from headquarters.

    Chapter 4 ： Cost-Benefit Comparison

    "But we can't afford to hire two people," you may think.
    However, in terms of total cost, the Shadow COO model is by far the cheaper and also the "asset" that remains.

    [Failure Pattern ： Country Manager out of the blue]

    CM salary: $ 300k + bonus

    Agent fees: $ 60k ~ 90k

    Invisible costs:

    improper expense use.

    Time costs for head office management （ Interpretation, persuasion, etc. at meetings ）.

    Settlement upon withdrawal （ Severance ） ： $ 100k ~

    What remains: nothing （ When he leaves, know-how and clients disappear ）.

    [Success Pattern ： Shadow COO start]

    Founder: Japanese salary （ No additional cost ）

    Shadow COO （ Young to mid-level practitioners ） : $ 80k~ $ 120k

    Outsourced professionals （ Lawyers ・ Accountants ） : Actual cost ( $ about 30k)
    a> Total: $ from 150k （ low cost and low risk ）

    What remains:

    well-developed back office infrastructure.

    Documented workflow.

    Trust between head office and local offices.

    Initial burn rate （ Lower fund burn rate ） and longer survival period.
    The basic strategy for winning in the highly uncertain U.S. market is to **"lay small, grow big "**.
    If you suddenly put on "big clothes （ commercial ）", you will only fall down if you are not accompanied by substance.

    Chapter 5 ： The Value Shadow COOs Can Provide

    HGMI offers exactly this** "start-up phase practice （ Operations ）"** outsourcing.
    If you are unable to hire a Shadow COO as a full-time employee, I can fill that role for you.

    Creating an Employee Handbook: building a bulwark for US Labor.

    Back office building: implementing the latest SaaS stacks like Gusto, Bill.com, Expensify, etc.

    Gatekeeper: local contract review, invoice checking, Japanese reporting to HQ.

    Recruitment connoisseur: reference checks and background checks on candidates.

    I don't promise "sales". That is your job as Founder.
    But "to create a safe and sturdy ring for you to fight in the US".
    And **"to create a system that will not shoot you in the back （ and will not collapse internally ）"** promises.

    In conclusion ： There can be only one hero

    In the startup story, the hero （ ） is you, the founder, and your product.
    There is no need to force another main character, the country manager, onto the stage.

    Only you can speak with your soul, even if your English is poor or you don't understand the culture.
    First, you must grab the microphone and take the spotlight.

    I will be "black （ Shadow ）" offstage, lighting the lights, adjusting the sound, preparing the next costume, and picking up any trash that falls.

    Save the flashy fireworks （ VP hiring ） for the end of the festival.
    Now is the time to lay the humble cornerstone first.
    That is the only way to build a skyscraper in 10 years.

    ━━━━━━━━━━━━━━━━
    Original Article （ Note.com ） : https://note.com/masa_us_biz/n/nae1e18a906ae

    • Event / Media
    • 2026/06/05 (Fri)

    びびなびオンラインセミナー：　アメリカ名門大学進学セミナー

    びびなびオンラインセミナー：幼少期の子どもを海外で育てる

    2026年7月24日（金）午後6時（太平洋時間; PT)
    ※タイムゾーンが異なる方はご注意ください。

    講師：株式会社Avalon Consulting

    参加費無料

    ・米国トップ大学に進学するための具体的なルートと戦略
    ・奨学金の種類・審査基準・出願スケジュールなど、合格までの全体像
    ・トップ大学に進学した学生が語る、合格までのリアルな道のり

    びびなびのオンラインセミナーは参加費無料です。事前登録が必要となります。
    たくさんの方のご参加をお待ちしております。

    • Event / Finance / Insurance
    • 2026/06/05 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    💡US Bank × insurance110usa seminar💡 （ free online seminar ）

    Click here to apply ：
    https://insurance110usa.com/webinar/collaboration-usbank/

    Do you have these questions about your US bank account after returning ？
    ・ You can maintain your U.S. bank account after returning to your home country ？
    ・ What should you be aware of when using your account from Japan ？
    ・ What should you be aware of when maintaining your account ？

    This seminar is for those expatriates who have been in Japan for a while. This seminar is designed to provide useful information for expatriates before and after their return to the U.S., to help them resolve any questions or concerns they may have about their U.S. bank accounts after their return to the U.S.
    We have invited US Bank as a guest speaker to share information and tips on how to maintain a bank account in the U.S. after returning to your home country.

    - - Seminar Contents - - -
    1. What is a bank account for expatriates [GTS account] ？
    2. Features of GTS account ・ Benefits
    3. How to use from Japan
    4. How to prevent dormancy
    5. how to open a [GTS account]
    6. how to handle W8-Ben

    If you have any concerns or worries about managing your bank account after returning home, please join this seminar ！
    This seminar is FREE! This will be a Zoom seminar and no customer appearance ・ audio is required ❎
    During the Q&A session at the end of the seminar, you can ask questions anonymously using the chat function.

    *Seminar start time varies depending on each area. Please check from the registration page.

    • Introduction / Professional
    • 2026/06/05 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Why Japanese Mega Ventures Are "Labor "Killed in the US ： The "At-will" Trap

    ▼ Images ▼

    Introduction ： Is that "immediate termination" worth $100 million ？

    "America is an easy country to fire".
    If that's what you've been told by local lawyers and consultants, it's half right and half a **"sweet trap "** that will ruin your company.

    It is true that the U.S. has an "at-will employment （ at-will employment ）" principle.
    However, the moment you interpret this to mean that you can fire someone at any time and for any reason, and tell them that they don't have to come back tomorrow, just like in Japan, you have stepped into a minefield of federal and state laws.

    The cost is tens of millions of yen （ or hundreds of thousands of dollars ） at the cheapest.
    If it gets nasty, it is a settlement in the hundreds of millions of dollars and irreparable damage in the form of brand damage.

    This article discusses the "at-will misunderstanding" that Japanese mega-ventures tend to fall prey to, the risk of "discrimination lawsuits" that can arise from this misunderstanding, and **specific governance to "protect to attack" （ Employee Handbook and PIP ） ** a very detailed 6,000 word commentary on **.
    This is not just a legal commentary. It is a "practical manual" to protect your company.

    Chapter 1 ： The Identity of At-will Employment and the "Three Exceptions"

    1-1. Principles ： What is At-will

    At-will means "a situation where the employer ・ and employee Both parties may terminate the employment contract at any time for any reason." At-will is the principle that "the employer and the employee
    As long as there is no fixed term of the contract, the company can terminate without giving a reason and the employee can quit without giving a reason.

    1-2. Exceptions ： Here is a minefield

    But there is a strong** "federal ・ state law exception" to this principle. Here is the point.
    Dismissal for the following reasons is "illegal （ Illegal ）"** even if at-will.

    ① Discrimination （ Discrimination ）

    The strongest exception. Termination based on the following "Protected Classes （ Protected Attributes ）" are strictly prohibited by federal law （ including Title VII of the Civil Rights Act of 1964 ）.

    Race （ Race ） : Asian, Black, Hispanic, etc.

    Skin Color （ Color ） : discrimination based on skin shade.

    Country of origin （ National Origin ） : Country of birth or ancestry.

    Gender （ Sex ） : including pregnancy, childbirth, sexual orientation （ LGBTQ+ ） and gender identity.

    Religion （ Religion ） : includes duty of care for religious practices （ such as dress ） as well as belief.

    Age （ Age ） : ADEA （ Age Discrimination in Employment Act ） protects workers over 40.

    Disability （ Disability ） : The ADA （ Americans with Disabilities Act ） mandates reasonable accommodation for persons with physical ・ or mental disabilities.

    Genetic Information （ Genetic Information ） : protected by GINA Act.

    ② Retaliation （ Retaliation ）

    This is actually the most likely pattern to lose.
    You should never fire an employee as "payback" for the following actions.

    Whistleblowing （ Whistleblowing ） of internal wrongdoing.

    Complained to HR or EEOC （ Equal Employment Opportunity Commission ） about harassment victimization.

    Cited unpaid overtime and health and safety violations.

    Became a witness in a discrimination case.

    ③ Public Policy violation （ Public Policy ）

    Jury Duty （ Dismissal for complying with Jury Duty ）.

    Dismissal for military service.

    Dismissal for refusing to participate in illegal acts （ such as tax evasion ）.

    Chapter 2 ： Why Dismissal for "Lack of Ability" is "Discrimination" ？

    2-1. The "Pretext" Argument （ Pretextual Defense ）

    This is the point that many Japanese managers have trouble understanding.
    "No, no, I fired him purely because of his poor sales performance. Race has nothing to do with it."

    Even if you insist, the employee's lawyer counters with.
    "Underachievement is a lie （ Pretext / Pretext ）. The real reason is that my client is Asian （ or 50 years old ）.
    And to win this battle, the company must prove by objective evidence （ Documentation ） that "lack of performance is the real reason."

    2-2. Discovery （ Fear of Discovery ）

    The US litigation process has a dreaded procedure called "discovery".
    Plaintiffs （ former employees ） can demand that the defendant （ company ） disclose all relevant emails, Slack and personnel records.

    What if you, the CEO, sent this message in Slack ？

    "That old guy （ old guys ）, you are totally useless" → Age Moving evidence of discrimination （ ADEA violation ）.

    "After all （ this job is too tough for her ） ？" → evidence of sex discrimination.

    （ "Fire me anyway" when the personnel evaluation sheet is blank ） "Fire me anyway" → Pretext （ Proof of pretext ）.

    The moment these are presented to the court, the jury's mind is tilted to "black".
    And then, millions of dollars （ hundreds of millions ） in punitive damages （ Punitive Damages ） begin to flicker.
    Because of this fear, many companies give up the fight and pay **hefty settlements （ Settlement ） ** to close the curtain.

    Chapter 3 ： "The Nature of Failure" through Case Studies

    Case 1: The "Culture Fit" Trap （ Age Discrimination ）

    [Situation]
    Japanese SaaS Company A （ U.S. Corporation ）. In an effort to create a young and energetic organizational culture, the company terminated the 55-year-old local VP of Sales （ Mr. B ）.
    The reason was that he "doesn't fit our speed （ Culture Fit ）".

    [Points of Failure]

    Did not point out failure to meet specific numerical targets, but cited vague "culture" as the reason.

    Hired an inexperienced white male in his 30s to replace Mr. B.

    The statement "We need more young blood （ Young blood ）" was left on the internal Slack.

    [Conclusion]
    Mr. B sued for age discrimination （ ADEA violation ）.
    The word "rejuvenation" was found to be intentional age discrimination, and the case was settled for $500,000 （ about 75 million yen ）.

    Case 2: Chain of "retaliation" （ Retaliation ）

    [Situation]
    Japanese manufacturer Company C. A local staff member, Mr. D （ female ）, consulted HR about sexually harassing comments made by her supervisor.
    One month later, the company fired Mr. D for "poor performance".

    [Point of Failure]

    Harassment Consultation （ Protected Activity ） to Termination （ Temporal Proximity ） Too Close Temporal Proximity is too close

    Mr. D's past rating was Standard （ Standard ） and was suddenly rewritten to Poor after consultation.

    [Conclusion]
    The jury found that "the fact of harassment is unknown, but the termination was retaliation.
    The company is in a very weak position because retaliation is based solely on "adverse treatment for speaking up," regardless of the "truth of the facts."
    Resulting in tens of millions of yen in compensation payments.

    Chapter 4 ： Shadow COO's Recommendation "Defense to Offense"

    So what to do ？
    The answer is simple. **"Record （ Ref ）" and "process "**.

    1. Employee Handbook （ The Employment Handbook ） is the "first shield"

    The Handbook does not bind the employee, it protects the company.
    Be sure to include the following clauses and have all employees sign it （ upon hire and ） upon revision.

    At-will Statement: state and have them agree that "We are an at-will employer and can terminate the contract at any time." This is fundamental.

    Equal Employment Opportunity (EEO) Policy: declare your stance that "we do not tolerate discrimination".

    Anti-Harassment Policy: defines harassment and specifies the reporting channels and investigation process.

    2. Job Description and Performance Review

    Define "what we want （ to be done ）" and regularly communicate "whether we are doing （ ）. Communicate regularly.
    It is obvious, but keeping this in writing is the best defense.

    JDs should be detailed: instead of "sales", include objective measurable metrics such as "$XX new sales per quarter", "100% input rate into CRM", etc.

    Review honestly: The Japanese "Well, you did a good job" evaluation is fatal. Any no-no's should be clearly written as "Below Expectation" and signed.

    3. Your Best Weapon ： PIP (Performance Improvement Plan)

    When considering termination, the PIP （ Business Improvement Plan ） must be implemented.
    Set a time period （ usually 30-90 days ）, give specific improvement goals, and provide weekly feedback.

    [Purpose of PIP]
    To regenerate the employee （ This is the best ） but in case he does not regenerate,
    "The company gave him so many opportunities, support, and resources, but he still did not improve through his own
    "the company gave him all these opportunities, support, and resources, but he still didn't improve on his own" （ to show a third party judge ・ jury ・ and opposing counsel ） that he was responsible for the failure.
    Please be unemotional and pile up the facts in a straightforward manner.

    4. Termination Meeting （ Iron Rules of Termination Meeting ）

    The day to give notice of termination. Please observe the following rules.

    10 minutes to finish: This is not a time for discussion. This is a notice of decision.

    Keep reasons simple: verbally explaining detailed reasons invariably leads to gibberish （ and discriminatory nuance ）. A single "because performance did not improve" is acceptable.

    Don't apologize: "I'm sorry" is a no-no.

    Severance Agreement （ General Release Agreement ） :

    This is the last trump card.

    1-3 months salary （ depending on length of service ） as a "severance payment （ Severance Pay ）" in exchange for a waiver that **"no further action will be taken against the company "** Release ） which you sign in exchange for a "Severance Pay ".

    Only after this is signed can the company sleep with its pillow high. Do not skimp on this cost. It is a small price to pay compared to the cost of litigation.

    Conclusion ： Shadow COO's Role

    "We can't go through all that trouble.
    "We are a startup." "Speed is of the essence.
    You may think so, and I understand your feelings.
    That is why I am here.

    As CEO, you face the product and the customer, talk about your dreams, and keep attacking.
    Behind the scenes, the Shadow COO takes care of the **"defensive practices "** that protect the castle that is the company by avoiding muddy but deadly risks.

    We can formulate Handbooks, rewrite JDs, assist with PIP operations, and even write scripts in case of termination.
    I am there to help Japanese companies avoid unnecessary bloodshed in the US.

    U.S. business is a world where ignorance is a sin and ignorance is not an option.
    Start by knowing. Then, after you have a good defense, attack to your heart's content.

    ━━━━━━━━━━━━━━━━
    Original Article （ Note.com ） : https://note.com/masa_us_biz/n/n2f4e844845a9

    • Problem solution / Life / Housing
    • 2026/06/04 (Thu)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Japanese language for your peace of mind. Dallas Real Estate Total Support - Finding a home that creates peace of mind for your family.

    ？ "Where to Start Living Abroad "

    Dallas ・ My name is Nana and I am a real estate agent in North Dallas.

    When starting a new life, choosing a home is more than "just looking for a place to live.
    It is an important start that will lead to peace of mind and smiles on your family's faces every day.

    ・ Which schools are safe for children to attend ？
    ・ Which areas are easy to commute to work ？
    ・ What is the actual safety and surrounding environment ？

    What is the "real life" that you can not see only from the internet information? We carefully convey the "real life" in Japanese, which you cannot understand only from the information on the Internet.

    Relocation ・ Moving ・ Buying a house ・ Selling ・ We support all the way to returning to Japan.
    Based on our own experience of overseas transfers, we offer proposals from the "perspective of actual residents".

    Dallas is a city where convenience and spaciousness coexist.
    Urban yet peaceful environment for families to live together.

    "I'm not concrete yet, but I want to talk about it"
    Even at that stage, of course, you are welcome.

    Let's find a comfortable life together for you and your family ・ 🏡

    Please feel free to contact us for more information.

    Please feel free to contact us in Japanese!

    • Free trial / Education / Lesson
    • 2026/05/30 (Sat)

    無料体験レッスン受付中！ 在米日本人のお子さま向け オンラインそろばん教室 Top Abacus（トップアバカス）

    アメリカのどの州からでも参加できます！

    Top Abacusは、在米日本人のお子さまのためのオンライン中心のそろばん教室です。

    レッスンはすべてオンライン。
    これまで5年以上オンライン指導を行ってきた講師が、
    画面越しでも分かりやすく、丁寧に指導します。

    講師の手元やそろばんを実際に見せながら、
    正しい指づかいをやさしい言葉で解説します。

    少人数制なので、一人ひとりのペースに合わせて進められます。

    【無料体験レッスンについて】

    無料体験は、「そろばんとの出会い」の時間です。

    まずは1回のレッスンで、

    「そろばんっておもしろい！」
    「もっとやってみたい！」

    そんな気持ちを感じてもらうことを大切にしています。

    体験後には、保護者の方へフィードバックをお伝えします。

    ・レッスンの雰囲気
    ・指導のペースやスタイル
    ・お子さまのご様子
    ・続けられそうかどうか

    実際に体験してからご検討いただけるので安心です。

    あたたかく落ち着いた雰囲気の中で、お子さまの「やってみたい」を大切にしています。

    【体験レッスン対象】

    ・年長〜小学校高学年
    ・そろばん・暗算が初めてのお子さま
    ・計算のスピードや正確さを伸ばしたいお子さま
    ・入会前に相性を試したいご家庭
    ・1〜10の数字を読み書きできるお子さま

    体験レッスンの時間帯は、お気軽にお問い合わせください。

    アメリカにいながら、日本式そろばんを。
    まずはお気軽に、無料体験レッスンへ。

    詳細はホームページをご覧ください。

    Free trial

    無料体験レッスン受付中！

    • Event / Finance / Insurance
    • 2026/05/28 (Thu)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    💡US Bank × insurance110usa seminar💡 （ free online seminar ）

    Click here to apply ：
    https://insurance110usa.com/webinar/collaboration-usbank/

    Do you have these questions about your US bank account after returning ？
    ・ You can maintain your U.S. bank account after returning to your home country ？
    ・ What should you be aware of when using your account from Japan ？
    ・ What should you be aware of when maintaining your account ？

    This seminar is for those expatriates who have been in Japan for a while. This seminar is designed to provide useful information for expatriates before and after their return to the U.S., to help them resolve any questions or concerns they may have about their U.S. bank accounts after their return to the U.S.
    We have invited US Bank as a guest speaker to share information and tips on how to maintain a bank account in the U.S. after returning to your home country.

    - - Seminar Contents - - -
    1. What is a bank account for expatriates [GTS account] ？
    2. Features of GTS account ・ Benefits
    3. How to use from Japan
    4. How to prevent dormancy
    5. how to open a [GTS account]
    6. how to handle W8-Ben

    If you have any concerns or worries about managing your bank account after returning home, please join this seminar ！
    This seminar is FREE! This will be a Zoom seminar and no customer appearance ・ audio is required ❎
    During the Q&A session at the end of the seminar, you can ask questions anonymously using the chat function.

    *Seminar start time varies depending on each area. Please check from the registration page.

    • Press Release / Media
    • 2026/05/25 (Mon)

    まち歩き：最新記事のご紹介（ハワイ旅行・地域情報はここをチェック）

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    https://hawaii.vivinavi.com/ss/article/0010

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    https://hawaii.vivinavi.com/ss/article/0023

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    https://hawaii.vivinavi.com/ss/article/0024

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    https://hawaii.vivinavi.com/ss/article/0025

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    https://hawaii.vivinavi.com/ss/article/0027

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    https://hawaii.vivinavi.com/ss/article/0028

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    https://hawaii.vivinavi.com/ss/article/0029

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    https://hawaii.vivinavi.com/ss/article/0030

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    https://hawaii.vivinavi.com/ss/article/0031

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    https://hawaii.vivinavi.com/ss/article/0032

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    https://hawaii.vivinavi.com/ss/article/0033

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    https://hawaii.vivinavi.com/ss/article/0034

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    https://hawaii.vivinavi.com/ss/article/0035

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    https://hawaii.vivinavi.com/ss/article/0036

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    https://hawaii.vivinavi.com/ss/article/0037

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    https://hawaii.vivinavi.com/ss/article/0038

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    https://hawaii.vivinavi.com/ss/article/0039

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    https://hawaii.vivinavi.com/ss/article/0040

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    https://hawaii.vivinavi.com/ss/article/0041

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    https://hawaii.vivinavi.com/ss/article/0042

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    https://hawaii.vivinavi.com/ss/article/0043

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    https://hawaii.vivinavi.com/ss/article/0044

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    https://hawaii.vivinavi.com/ss/article/0045

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    https://hawaii.vivinavi.com/ss/article/0046

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    https://hawaii.vivinavi.com/ss/article/0047

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    https://hawaii.vivinavi.com/ss/article/0048

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    https://hawaii.vivinavi.com/ss/article/0050

    ますます目が離せない！西オアフの中心、カポレイ
    https://hawaii.vivinavi.com/jpn/ss/article/0051

    「太陽の家」から眺める輝く朝日、ラベンダーが咲く高原…魅力あふれるマウイ島をご紹介
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    https://hawaii.vivinavi.com/jpn/ss/article/0112

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    https://hawaii.vivinavi.com/jpn/ss/article/0116

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    https://hawaii.vivinavi.com/jpn/ss/article/0145

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    • Problem solution / Professional
    • 2026/05/24 (Sun)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    ＜ For another year of tax returns, come to Ozaki Accounting Office, a firm you can trust ＞ We will answer any questions you may have ！.

    Whenever you earn income in the U.S., you are obligated to file a tax return.
    U.S. citizens ・ Not only permanent residents, but also work visa holders, spouses of work visa holders, international students and OPT are subject to this as long as they have income in the US.
    File correctly and you will not be in trouble later.

    We promise you.
    Comply with U.S. tax laws. Deadline Compliance （ We will follow procedures for extensions ）.
    We will respond to customers in Japanese with sincerity and reply within 24 hours.
    We will analyze your accounting situation and profit and loss statement in a friendly and professional manner, and will provide you with tax reduction in compliance with tax laws.
    We can also handle the hassle of dealing with the transition of accountants ！

    Ozaki Accounting Office handles a wide range of tax returns, from business to personal.
    If you receive a letter from the IRS, we will represent you and deal with it on your behalf.

    We will answer your tax questions, including tax returns needed to renew your visa ！
    For more information, please click on the yellow phone book symbol below and see our Town Guide.

    For inquiries, please feel free to contact us by sending us a message ［ below ］ or using the ［ contact form ］ in the Town Guide.

    タックスリターン会計税金

    10 gift cards for seeing Vivinavi $!

    • Satisfaction guaranteed / Life / Housing
    • 2026/05/24 (Sun)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    The process of buying your first home in the U.S. 5 Steps

    Hello.

    My name is Nana and I am a real estate agent in the Dallas ・ North Dallas area.

    Many people feel uneasy about buying real estate overseas because of the differences in language and systems, and they don't know where to start.

    Especially when relocating or moving with a family, there are many things to consider, such as schools ・ public safety ・ and living environment.

    So in this article, we will introduce the basic process of purchasing your first US home in 5 steps.

    ① Loan pre-qualification
    Clarify your possible purchase budget and prepare to begin your home search with confidence.

    ② House Search
    Area ・ School District ・ We will select the most suitable property while considering living environment.

    ③ Submit an offer
    Offer the property you like and submit your purchase terms.

    ④ Inspections ・ Appraisals
    We check the condition of the building and evaluate the fair price to ensure a safe transaction.

    ⑤ Closing
    After the final procedures, the purchase is finally complete.

    Relocation ・ Moving ・ Home Purchase ・ Replacement ・ Selling ・ We provide total support until you return to Japan.

    Because we have experienced relocation ourselves, we are able to make proposals that are in line with actual living conditions.

    We also provide careful support for loans and various procedures in cooperation with our reliable team.

    "I don't know where to start"
    "Is it OK to ask such questions?" ？

    We welcome such consultations.
    Please feel free to contact us in Japanese.

    Please feel free to contact us in Japanese.

    • Satisfaction guaranteed / Life / Housing
    • 2026/05/22 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Dallas Real Estate ｜ Why DFW is "The City You'll Never Get Back" ？

    Hello.

    I'm Nana, a real estate agent in the Dallas ・ North Dallas area 🏡

    Many people are moving to DFW （ Dallas ・ Fort Worth ） from other states or countries.

    And many say.

    "I may never go back 👀"

    Why DFW is such a great choice ？
    The reason is very simple 👇

    1️⃣ Cost is really good
    Large house, with garden, spacious floor plan.
    It is easier to achieve the lifestyle we value in DFW than in other states.

    2️⃣ Jobs ・ Plenty of career opportunities
    IT ・ Aviation ・ Finance ・ Healthcare ・ Logistics and other large and growing industries.

    3️⃣ Surprisingly "playable"
    Restaurants, events, parks, nature and weekend excursions.
    The right balance of life and fun.

    4️⃣ You'll feel more "at home" than you think 🏠
    Even though it's a big city, it's easy to feel connected to others
    and before you know it, your favorite places will grow.

    Living in DFW is truly a choice for everyone.

    We carefully suggest the area and way of living that best suits you in Japanese💌

    Please feel free to contact us.

    Please feel free to contact us in Japanese.

    • Event / Finance / Insurance
    • 2026/05/22 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    💡US Bank × insurance110usa seminar💡 （ free online seminar ）

    Click here to apply ：
    https://insurance110usa.com/webinar/collaboration-usbank/

    Do you have these questions about your US bank account after returning ？
    ・ You can maintain your U.S. bank account after returning to your home country ？
    ・ What should you be aware of when using your account from Japan ？
    ・ What should you be aware of when maintaining your account ？

    This seminar is for those expatriates who have been in Japan for a while. This seminar is designed to provide useful information for expatriates before and after their return to the U.S., to help them resolve any questions or concerns they may have about their U.S. bank accounts after their return to the U.S.
    We have invited US Bank as a guest speaker to share information and tips on how to maintain a bank account in the U.S. after returning to your home country.

    - - Seminar Contents - - -
    1. What is a bank account for expatriates [GTS account] ？
    2. Features of GTS account ・ Benefits
    3. How to use from Japan
    4. How to prevent dormancy
    5. how to open a [GTS account]
    6. how to handle W8-Ben

    If you have any concerns or worries about managing your bank account after returning home, please join this seminar ！
    This seminar is FREE! This will be a Zoom seminar and no customer appearance ・ audio is required ❎
    During the Q&A session at the end of the seminar, you can ask questions anonymously using the chat function.

    *Seminar start time varies depending on each area. Please check from the registration page.

    • Satisfaction guaranteed / Finance / Insurance
    • 2026/05/21 (Thu)

    あらゆる住宅ローンの疑問や悩みに日本語でお答えします！

    120社以上の金融機関のローン製品を取り扱う住宅ローンのブローカーです。
    お一人お一人のニーズに合わせて、最適な条件のローンをご紹介します。

    アメリカの不動産は所収していればほとんど必ずと言っていいほど価値は上昇します。
    平均的なアメリカ人の持つ資産のうちでも最も大きな割合を占めるのが、持ち家となっています。
    どのみちずっとすみ続ける家、目先の金利や市場の動向に惑わされず、買える時にまず買っておく、というのが賢い資産運用の方法でもあると考えています。

    こんなお悩み、ご相談ください！

    ・住宅ローンを組みたいけど、どうすればいい？
    ・リモデルをしたいけれど手元に資金がない。持ち家のEquityを現金化できないか？
    ・投資物件を買って、賃貸収入を得る方法は？
    ・老後の資金繰りが心配、Reverse Mortgageって安全なの？

    自身でもカリフォルニアとハワイに7件の不動産を所有し、短期・長期の賃貸運営を行っています。
    カリフォルニア州の不動産エージェントの資格も有し、不動産売買とローンの両面から最適なアドバイスを提供！
    住宅購入から投資戦略まで、日本語で分かりやすくサポート！

    「頭金がほとんどなくてもで家を買えるのか？」
    「ローンを賢く使って資産を増やす戦略」
    「金利は下がるの？上がるの？待つべきor今動くべき？」

    無料相談随時受付中！まずはお気軽にお問い合わせください。

    牧野　可奈（まきの　かな）
    Mortgage Loan Officer / Realtor®
    West Capital Lending | NMLS# 2504398 | 1566096
    DRE# 02053858 | 02022356

    無料相談受付中！
    まずはお気軽にお問い合わせください！

    • Problem solution / Life / Housing
    • 2026/05/20 (Wed)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Are you considering a move to the Dallas ・ Fort Worth （ DFW ） area ？?

    Dallas ・ My name is Nana and I am a real estate agent in North Dallas.

    I support many relocations from other states and Japan.

    When looking for a place to live overseas, there are many concerns and questions such as area selection ・ school districts ・ public safety ・ commuting, etc.

    ✔ Leasing （ Renting ） Want to start with
    ✔ Considering buying a home in the future
    ✔ Want to know about livable areas and communities
    ✔ School districts and commuting time
    ✔ If you want to consult with us in Japanese without anxiety

    please feel free to contact us.

    We can help you find the perfect home to suit your family's different lifestyles and needs.

    First, please let us know your wishes.

    📞 +1 (360) 594-8015
    🪪 License #0836991
    📍 DFW area specialty
    📍 Relocation ・ Lease ・ Buy ・ Selling support 📍 Japanese Language Support

    リロケーションリース購入サポートコミュニティ案内DFWエリア専門

    Please feel free to contact us in Japanese first to discuss your needs.

    • Free trial / Education / Lesson
    • 2026/05/20 (Wed)

    無料体験レッスン受付中！ 在米日本人のお子さま向け オンラインそろばん教室 Top Abacus（トップアバカス）

    アメリカのどの州からでも参加できます！

    Top Abacusは、在米日本人のお子さまのためのオンライン中心のそろばん教室です。

    レッスンはすべてオンライン。
    これまで5年以上オンライン指導を行ってきた講師が、
    画面越しでも分かりやすく、丁寧に指導します。

    講師の手元やそろばんを実際に見せながら、
    正しい指づかいをやさしい言葉で解説します。

    少人数制なので、一人ひとりのペースに合わせて進められます。

    【無料体験レッスンについて】

    無料体験は、「そろばんとの出会い」の時間です。

    まずは1回のレッスンで、

    「そろばんっておもしろい！」
    「もっとやってみたい！」

    そんな気持ちを感じてもらうことを大切にしています。

    体験後には、保護者の方へフィードバックをお伝えします。

    ・レッスンの雰囲気
    ・指導のペースやスタイル
    ・お子さまのご様子
    ・続けられそうかどうか

    実際に体験してからご検討いただけるので安心です。

    あたたかく落ち着いた雰囲気の中で、お子さまの「やってみたい」を大切にしています。

    【体験レッスン対象】

    ・年長〜小学校高学年
    ・そろばん・暗算が初めてのお子さま
    ・計算のスピードや正確さを伸ばしたいお子さま
    ・入会前に相性を試したいご家庭
    ・1〜10の数字を読み書きできるお子さま

    体験レッスンの時間帯は、お気軽にお問い合わせください。

    アメリカにいながら、日本式そろばんを。
    まずはお気軽に、無料体験レッスンへ。

    詳細はホームページをご覧ください。

    Free trial

    無料体験レッスン受付中！