FINTEC

What FINTEC does

FINTEC Co., Ltd. (株式会社フィンテック) is a Tokyo-headquartered, privately held independent financial planning firm founded in August 2015. It delivers fee-based, multi-disciplinary financial advisory to Japanese individuals and small-to-mid-sized businesses through a network of approximately 200+ nationally certified Financial Planners (FPs) operating from 25 offices across Japan. Core service lines include life plan design, asset management (NISA/iDeCo/investments via group company A-LE), insurance (panel of 25 life and 9 non-life carriers), real estate (via group subsidiary FREX), inheritance/succession planning, social security advisory, and corporate financial consulting, supplemented by ongoing after-follow reviews and an internet-based non-life insurance application channel.

The company's core technology positioning is 'FP×IT' — combining certified human planners with IT-enabled customer information management and two-way communication applications to deliver consistent advisory at scale across the national office footprint. No proprietary software platform, AI/ML system, or patents are disclosed; the differentiator is operational and credentialed rather than technology-native. The firm holds 'Certified Agency' (認定代理店) status from the Life Insurance Association of Japan and reports industry-leading KPIs: 97.8–93.05% FP qualification holding rate, 95.93% insurance continuation rate, 98.9% customer satisfaction, 91.0% recommendation rate, and ¥6.87B annualized premium under management as of April 2026.

FINTEC's business model is commission- and fee-driven, with primary revenue from insurance agency commissions (shared with FPs under salary + performance-based compensation), supplemented by securities/IFA commissions (A-LE), real estate brokerage (FREX), and corporate financial advisory fees. Customer acquisition combines company-sourced leads from partner platforms (comparison sites, family apps, electronics retailers, real estate firms) with self-generated FP referrals and vertical-focused seminars (e.g., physician seminars with Kosmosu Pharmaceutical). The group completed a 10-year milestone in August 2025 and is in an active expansion phase, with multiple office openings, new carrier signings, and ecosystem buildout through FREX and A-LE.

Name

FINTEC

Legal name

株式会社フィンテック

Website

https://fin-tec.co.jp

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Short description

FINTEC is an independent Japanese financial planning firm offering fee-based advisory across insurance, asset management, real estate, and inheritance planning. It operates through 200+ certified FPs across 25 national offices, distributing products from 25 life and 9 non-life insurance carriers.

Ownership category

akta.pro rank

Product category

Independent Financial Planning Services

NAICS

Portfolio Management and Investment Advice (523940), Finance and Insurance (52)

SIC

Investment Advice (6282), Finance Services (6199)

akta.pro industry

PRIMARYFSAEAAAA

Comprehensive Financial Planning

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

SECONDARYFSAGADAI

Retirement Planning & Long-Term Financial Planning Tools

Financial & Insurance/Financial Technology (Fintech)/Personal Finance & Financial Wellness (PFM)

SECONDARYFSAGADAF

Net Worth & Personal Balance Sheet Tracking

Financial & Insurance/Financial Technology (Fintech)/Personal Finance & Financial Wellness (PFM)

Keywords

• Independent financial planning
• Insurance brokerage services
• Asset management advisory
• Retirement planning services
• Corporate financial advisory

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices24 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance agency commissions (life & casualty): FINTEC earns commissions from 25 life insurance companies and 9 non-life (casualty) insurance companies on policies sold through its network of FP advisors. Commission revenue is shared with FPs per the company's salary regulations. The company also recently added Sumitomo Life (March 2026) and AXA Non-Life (June 2026) to its panel.
2. Securities / investment product distribution (via A-LE): The company's group company A-LE handles securities and investment products including NISA and iDeCo. Revenue is generated from securities distribution commissions and advisory fees.
3. Real estate services (via FREX): Group company FREX handles real estate transactions (home purchases, investment properties, succession-related property services). Revenue is generated from real estate brokerage fees.
4. Financial planning consulting fees: Core FP consulting services, including life plan design, corporate financial advisory, and follow-up services. The company operates on a hybrid model where FPs receive salary-based income plus performance-based business income.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

FINTEC is an independent Japanese financial planning (FP) firm that delivers comprehensive life planning advisory through a nationwide network of certified financial planners. Services span life plan design, asset management, insurance, real estate, inheritance, social security, and corporate financial strategy, supported by a multi-insurer product shelf of 25 life insurers and 9 non-life insurers. The firm combines FP expertise with IT systems (customer information management and two-way communication tools) to deliver consistent advisory at scale.

Product overview

FINTEC is a financial planning (FP) services company that offers comprehensive financial advisory services through independent certified financial planners. The company provides a unified platform of financial planning services including: Life Planning Design (core service creating roadmaps for financial goals), Asset Management (investments, iDeCo, NISA), Insurance (30+ partner companies), Real Estate, Inheritance Planning, Financial Advisory, and Social Security consulting. Services are delivered through approximately 200+ FP staff nationwide across 25+ offices. The company operates an online application system for non-life insurance products and provides ongoing after-follow support services. FINTEC emphasizes its "FP×IT" approach combining certified financial planners with technology for customer communication and life planning execution support.

Differentiator

Problem solved

Functional benefit

Products and services

• Life Planning Design (ライフプランニング設計) Comprehensive life planning advisory that maps a client's financial future against life events (marriage, childbirth, home purchase, education, retirement, inheritance) and produces an actionable financial roadmap; delivered by certified FPs to Japanese individual clients.
• Asset Management (資産運用) Asset management consulting covering investment products, iDeCo, and NISA accounts tailored to client life stage and risk tolerance; securities distribution executed through group company A-LE.
• Insurance Advisory (保険) Independent insurance advisory recommending optimal risk plans from a panel of 30+ life and non-life insurance partners, aligned to each client's life plan.
• Corporate Financial Advisory (財務) Corporate and personal financial consulting including financial analysis, funding, cost reduction, investment planning, and comprehensive financial strategy development for SMB and mid-market clients.
• Inheritance Planning (相続) Inheritance and succession planning including estate planning, asset visualization, inheritance tax calculations, and coordination with tax and legal professionals.
• Real Estate Advisory (不動産) Real estate advisory including home purchase guidance, property investment analysis, inheritance-related property planning, and housing selection aligned with the client's life plan, with execution supported by group company FREX.
• Social Security Advisory (社会保障) Social security advisory covering pension, health insurance, nursing care insurance, and social insurance system utilization advice tailored to the client's life plan.
• Online Non-Life Insurance Application (インターネットからのお申し込み) Internet-based self-serve quoting and application for non-life insurance products (auto, fire, travel, income protection) from partner insurers including Nisshin Fire, Tokyo Marine, AXA Direct, and AIG.
• Financial Seminar and Lecture Service (セミナー・講演サービス) Financial seminar and lecture service for individuals and corporations, covering money management and life planning topics, available for groups of 5 or more; used as a demand-generation channel and as a direct offering.

Quantifiable outcome

• Customer satisfaction rate of 98.9% (based on 2,386 of 2,411 survey responses, Aug 2022–Oct 2024)
• +5 more outcomes

Named customers9 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core and minor.

• 株式会社FREX (FREX Co., Ltd.)coreStrategic or Co-development Partner · 14 November 2025FREX is FINTEC's group company (same representative: Baba Kazuma) specializing in real estate services. FREX handles all FINTEC real estate transactions including home purchases, investment properties, and inheritance-related property services. This is a core group-level integration providing one-stop real estate advisory within FINTEC's financial planning ecosystem.
• 株式会社コスモス薬品 (Kosmosu Yakuhin / Cosmos Pharmaceutical)minorGTM or Marketing Partner · 2 October 2024FINTEC FPs conducted a physician-focused seminar on clinic practice financing, co-hosted by Kosmosu Pharmaceutical's support platform and co-sponsored by Gentosha Gold Online. This is a joint seminar/partnership targeting medical professionals as a lead generation channel for FINTEC.
• 株式会社A-LEcoreStrategic or Co-development PartnerA-LE is FINTEC's group company (same representative: Koyama Yuki) specializing in IFA securities and investment advisory. A-LE handles securities products including NISA, iDeCo, and other investment products recommended within FINTEC's financial planning process. Core group integration for investment product shelf.
• LifeLinkage株式会社 (LifeLinkage Co., Ltd.)coreStrategic or Co-development PartnerLifeLinkage is a strategic partner and co-marketing partner for DC (defined contribution pension) advisory services. Located in Yokohama, LifeLinkage provides services alongside FINTEC's corporate FP offerings. Referenced as a group partner and co-marketing ally on FINTEC's website.
• 株式会社ONE FPminorStrategic or Co-development PartnerONE FP is a partner company for DC and related corporate services. Listed as a partner on FINTEC's company profile page alongside LifeLinkage. Collaborative relationship in the corporate pension and financial advisory space.
• 三菱UFJ銀行 (Mitsubishi UFJ Bank)minorOthersListed as a financial institution partner (仕入先金融機関) on the company profile page. Presumably a banking partner for corporate accounts and/or financing services.
• りそな銀行 (Resona Bank)minorOthersListed as a financial institution partner on the company profile page.
• きらぼし銀行 (Kiraboshi Bank)minorOthersListed as a financial institution partner on the company profile page.
• 楽天銀行 (Rakuten Bank)minorOthersListed as a financial institution partner on the company profile page.
• 楽天モバイル株式会社 (Rakuten Mobile)minorGTM or Marketing PartnerListed as a partner company (telecommunications category) on FINTEC's company profile page. Presumably a referral or co-marketing partner.
• 株式会社andモビリティ (and Mobility)minorGTM or Marketing PartnerListed as a partner in the automobile-related category on FINTEC's company profile page. Associated with car-related financial services.

Scale indicators9 records

Recent moves31 records

Expansion highlights6 records

Regional players

• ピクテ・ジャパン (Pictet Japan): Japan branch of global Swiss wealth manager Pictet, providing independent IFA-style investment advisory for high-net-worth Japanese retail clients; comparable independent-product model but focused on HNW/AUM tiers FINTEC does not directly target.

Emerging players

• 株式会社マネーフォワード (Money Forward): Public Japanese PFM/SaaS fintech providing personal finance and accounting tools; competes for the same household financial-management mindshare and offers an adjacent data-driven alternative to FINTEC's human-advisor model.
• ウェルスナビ (WealthNavi): Japan's leading robo-advisor offering algorithm-driven, low-cost portfolio management for retail investors, competing for the same asset-formation wallet share that FINTEC's A-LE subsidiary targets.
• 株式会社ZUU (ZUU Online / ZUU Consulting): Japanese fintech with a personal-finance media platform plus IFA/wealth advisory arm, serving the same retail investor and business-owner segments as FINTEC through digital and partner channels.

Broad incumbents

• 野村證券 (Nomura Securities): Japan's largest brokerage with a full wealth-management platform covering investment, insurance, and inheritance advisory for retail and corporate clients; overlaps FINTEC on investment advisory and corporate finance but operates as a broad incumbent, not an independent FP.
• 大和証券 (Daiwa Securities): Major Japanese securities firm with a large retail and wealth advisory book, including life-planning and retirement advisory products that overlap FINTEC's offerings but bundled into a full-service incumbent platform.
• SMBC日興証券 (SMBC Nikko Securities): Major Japanese brokerage and wealth-advisory franchise under SMFG offering investment advisory, life planning, and inheritance services to retail and corporate customers, competing with FINTEC for advisor-led wealth advisory relationships.

Direct peers

• 保険マンモス (Hoken Mammoth): Japan-based independent financial planner firm focused on insurance advisory with a multi-insurer panel and salaried-plus-performance FP compensation, directly paralleling FINTEC's go-to-market and revenue model.
• 保険見直し本舗 (Hoken-Minaoshi-Honpo): Large Japanese independent insurance and financial advisory comparison firm with a similar commission-driven model, face-to-face or online consulting, and broad insurance product panel directly comparable to FINTEC's.
• 株式会社FICOM (FICOM / Insurance Comparison): Japanese insurance advisory and comparison firm offering multi-insurer selection to retail customers through advisors; the most direct peer to FINTEC's independent insurance agency arm in distribution model and product breadth.

Market position

Strengths5 records

Weaknesses6 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/fintecfp
• Facebookfacebook.com/fintecfp
• Instagraminstagram.com/fintecfp/?hl=ja
• LinkedInlinkedin.com/company/fintec-fp

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FINTEC