Naoko studied at Tokyo Kunitachi Music College. In 1989 she became a Bachelor of Arts in Music Education.
In 2002 she was a student of the Queens College. Naoko received a degree of the Master of Arts in Jazz Performance.
Naoko worked as a workshop pianist in New York City, United States from 1995 to 2002; instructor Kingsborough Community College, Brooklyn, since 2002; Accompanist Children's Aid Society, New York City, since 2001; Summer camp executive assistant English as Second Language Greenwich International School Children, Connecticut, 2002, music teacher, Connecticut, 02; music teacher children's after school program Peace Academy, Brooklyn, 2002, Brooklyn, 03; private substitute piano teacher Victoria Music School, Staten Island, New York , 2002; choir director St. John African Methodist Episcopal Church, Brooklyn, 2004—2005; pianist, organist Bethel Word of Life Church, since 2005; Director, arranger, pianist: Mr. Claude Reed, arranger: After Math (Billy Bang), pianist: Billy Bang Duo, JOJO SMITH, Cure (Eddie Apponte), Secret Of When (Sabir Mateen), State Of Mind (Davis Thrower), composer, pianist: In Your Eyes (Naoko Ono Trio); performer: (with Billy Bang) Roulette, Maine International Film Festival, Panasonic Jazz Festival, Visions Festival, African American Week, 1995—2003, Sabir Mateen, 1995—2003, Londel's Restaurant, Harlem, 1998—2004, Cotton Club Jazz Orchestra, since 1998, Jazzy Rudolf Dancers Concert, since 2003, Piano Trio, since 2004, Mike Grey Group for Street Fair, 2004, Robert Wiggins Group, 2004, Professor Ron Crater, Gina Williams, 2002, Lorraine Fielder, 1999—2003, Naoko One Piano Trio, 1996-1999, Dejablu, 2004, Kim Swan Jamaica and reverse, 2004, Sonya Hensley, David Thrower, Ed, Member of Parliament, Kaleta Jaa, Eddie Apponte, In Los Amigos, John E. Johnson, Cotton Club Jazz All Stars, Cotton Club Gospel Ensemble, Review Lillian Allen, Edinburgh Fringe Festival, Scotland, New York Fringe Festival; composer, sound designer, performer: Midsummer Night's Dream, dance accompanist: Ballet Arts, Alvin Alley, Paul Taylor Dance Class.
Naoko married to Anthony William Palmer on March 21, 2003.