Families with a net worth of ₪500K–5M need exactly the same holistic thinking that a VIP client receives at an investment house. This service brings them that approach — a written plan that connects all of their wealth across the next 10–20 years.
The insurance agent is an expert in the insurance layer — and their license is limited to that alone. Looking at pension and investments together requires a broader approach.
The bank advisor offers the bank's managed portfolio — a professional view of the investment layer only, without looking back at the pension, the training fund, or the surrounding tax planning.
The pension advisor examines the pension with expert eyes — but pension decisions take on a different meaning when you see them together with the capital markets, the insurance coverage and the taxation.
You, yourself, can connect it all in a spreadsheet — but for big decisions that affect hundreds of thousands of shekels, there is value in one conversation partner who sees the full picture from the outside.
When one person holds the full picture — the pension, the investments, the insurance and the taxation — the decisions fall into place together. That is exactly what a wealth strategy brings.
A wealth strategy is built from 4 layers that work together. When they are synchronized with one another, each layer supports the next: the return grows, the insurance is precise, and the tax is planned in advance. Here is how it looks in practice:
Pension fund, manager's insurance, training funds, provident funds. We review management fees, the fit of investment tracks to your age and goals, and proper transfers without losing seniority and coverage.
Your free investment portfolio — investment provident funds, mutual funds, direct securities, managed portfolios. Goal-based asset allocation, not trends. Pricing the market, not timing it.
Life insurance, disability income (risk), health, disability, manager's insurance. Planning a precise protection layer that is coordinated with the coverage already paid for within the pension — and identifying what is worth adding and what is already covered.
The right order of withdrawals, using tax benefits for the self-employed and salaried, employing tax-exempt instruments (training fund, annuity provident fund), and forecasting the tax impact across twenty years of retirement.
In the first intro meeting we'll talk honestly — whether this service is right for you now, or whether there is another solution that would serve you better. Both cases are perfectly fine.
A clear, transparent process with defined deliverables at every stage. This is how you move from an intro meeting to a written plan that you carry out — at a pace that suits you.
By Zoom or phone. I ask about the four layers — what you have, what matters to you, where you stand in terms of life events — and present you with an initial picture of the big opportunities. You come as you are; the conversation flows naturally.
Deliverable: a clear picture of where you are todayIf we've decided to continue — I gather all the data: pension statements, insurance, investments, income, assets, debts. Each of these undergoes an independent analysis, and then enters a holistic strategy model. In parallel, we define together your goals: retirement age, desired standard of living, inheritance, children's education, dreams.
Deliverable: a full personal wealth mapThe final document — roughly 15–25 pages — which includes: (a) a description of the current situation, (b) the opportunities identified, (c) the recommended strategy for each of the 4 layers, (d) a detailed timeline of what to do and when, (e) a forecast of outcomes for 10–20 years. We meet again for a joint review and questions.
Deliverable: a written strategy documentI carry out the steps with you — transfers, switching investment tracks, adjusting insurance, opening new financial products. After execution, the ongoing support begins: a review meeting once a year, adapting the portfolio to life events (a birth, a job change, an inheritance), and checking whether the strategy still serves you. A living portfolio — not a document in a drawer.
Deliverable: a portfolio that updates with your lifeFrom an intro meeting, through a one-off strategy, to ongoing Family Office-style support. All the models are transparent — you know in advance what you pay, and what you get in return.
Full transparency: if, during the work, you purchase insurance products through me as an agent, the insurance company pays a commission. Its amount is disclosed to you in advance and is deducted from the advisory fees. No surprises.
An honest, open conversation. A clear picture of where you are today across all 4 layers, where the big opportunities are, and what the next step is — whether we work together or I refer you onward.
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