What We DoOur Philosophy
At Midtown Wealth Advisors, we believe personal finance isn’t a machine to be tuned—it’s a living organism.
With machines, a part can be swapped out without disturbing the rest. But life doesn’t work that way, and neither does money. In an organism, every part is connected. Stub your pinky toe and your whole body reacts. One part affects the whole, and the whole affects every part.
Your financial life works the same way:
One plan affects another.
Every financial decision ripples outward, and no area stands alone. College and retirement planning, for example, are deeply connected—college expenses can alter how you allocate investments across non-qualified accounts, 529 plans, and even your retirement accounts. Retirement isn’t a separate topic when you plan for college—it’s part of the same conversation.
Withdrawals matter more than contributions.
Contributions build your nest egg, but withdrawals determine whether it lasts. A clear withdrawal strategy—accounting for taxes, required distributions, and estate goals—should guide which accounts you fund from the very beginning.
Feelings belong in financial planning.
Keeping a 2.8% mortgage may be the mathematically optimal choice, but if carrying debt weighs on you, paying it off might be the better path. Financial planning is both a science and an art, and the best solutions emerge when hard numbers and human feelings are in balance.
Jimmy Fukushi
President
(310) 988-2648
I was born in Bellevue, Washington, and when I was eight, my family moved to Japan. I grew up in Hokkaido, Gunma, and Tokyo, and those years gave me an appreciation for how different perspectives shape the way we live and make decisions.
In the early 2000s, I began my career at a global consulting firm in Tokyo. My projects ranged from cost cutting to HR restructuring to implementing Customer Management Systems, but the underlying question was always the same: how do we maximize shareholder value? The work was challenging, but in many ways simple—apply financial models, think critically, and follow the logic. When I moved to New York to become a financial advisor, I quickly realized that personal finance was different. Clients weren’t spreadsheets, and their decisions weren’t always “logical.” And they were right not to be. One client refused to consolidate accounts because one of them had been a gift from his grandfather—a treasure box of memories, not just numbers on a statement. Another client, a retired woman with a large sum of cash, came to me for advice. After thoughtful conversations, I concluded the best solution was to leave it where it was: in her checking account. Those experiences taught me that true financial planning is not only about efficiency or return—it’s about listening, understanding, and building strategies that honor both the numbers and the meaning behind them.
That belief became the foundation for Midtown Wealth Advisors, Inc., which I founded in 2005. Today, we oversee more than $120 million in assets under advisement. Growth matters to us in part because it reflects the trust we’ve earned over the past 20 years. But we’ve never measured success by the size of our balance sheet or by gathering assets for its own sake. In fact, when a client withdraws a large sum of funds to achieve a lifelong goal, we see that not as a loss, but as the truest measure of success—the realization of a dream made possible by years of thoughtful planning and investing. Our focus has always been on listening to clients, understanding their unique circumstances, and providing solutions that support their entire financial lives. This is the work we will continue every single day.