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.
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.
Example. Transferring an old pension fund priced at 0.5% to a fund at 0.15% saves ₪3,500 a year on a ₪1M balance — roughly ₪70,000 over 20 years.
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.
Example. Moving from an equity track to a balanced portfolio at age 55, using a tax-exempt provident fund, lowers risk by 30% and eliminates ₪50,000 in potential tax liability.
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.
Example. Synchronizing a private life insurance policy (₪450/month) with the existing coverage in the pension fund (₪320/month) — and matching it to the family's true risk level. A saving of ₪5,400 a year.
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.
Example. Planning the order of withdrawals in advance across 20 years of retirement saves ₪80,000–₪150,000 in tax for the family — money that returns to your hands, not to the authorities.
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.
Most families in Israel have three options for handling their wealth. Each has its own logic, and each serves a different audience. Here's the practical advantage a wealth strategist brings — when you want one view that connects all your wealth into a single plan.
| Single product(agent/bank) | Investment house(managed portfolio) | Ido(wealth strategy) | |
|---|---|---|---|
| Looks at all your wealth together(pension + investments + insurance + tax) | No | Partial | Yes |
| Builds a written 10–20 year strategy | No | Partial | Yes |
| Available even if you're not an accredited investor | Yes | Barely | Yes |
| Full transparency on what they earn | No | Partial | Yes |
| Licensed financial advisor + independent insurance agent | No | Partial | Yes |
| Free to choose a solution from any company in the market | No | No | Yes |
| Ongoing guidance for life events(birth, job change, inheritance, retirement) | No | Partial | Yes |
Full transparency: as an insurance agent I receive a commission from the insurance companies on policies you purchase — exactly like any agent in the market. The difference: I'm not tied to a single company, every source of income is visible to you upfront, and the wealth strategy service is paid through a direct advisory fee. That way you know what my interest is in every decision.
“I came to Ido with a manager's insurance policy from 2009 that I hadn't touched since. Within two weeks he found that I was paying almost double the market rate in management fees, and that some of the insurance coverage overlapped with my employer's policy. No one had ever worked through the numbers with me one by one like that. Clear and professional.”Nadav Weinstein · Product manager, age 43 · Ramat Gan
“As a freelancer, I always thought pensions were an employee's problem. Ido explained exactly what I was losing — and in particular how much tax benefit I was leaving on the floor every year. We opened a training fund, updated the pension, and it was all done without me feeling like I was being sold anything.”Tamar Elhadad · Freelance designer, age 37 · Tel Aviv
“We were planning retirement at 62 — and Ido built us a year-by-year roadmap right up to it. He didn't just check the pension, but also the insurance, the investments, and what would happen tax-wise when we retire. The first time I felt someone could see our full picture.”Ronit Friedman · Finance manager, age 58 · Haifa
“After I changed jobs, I didn't know what to do with three pension funds from different companies. Ido explained exactly what to consolidate, what to keep, and why — all while preserving the insurance seniority. I didn't expect it to be so organized.”Asaf Sharabi · Software engineer, age 41 · Be'er Sheva
“We came to Ido after trying to figure out life insurance on our own — and came away more confused. He sat with us for an hour, explained what we actually needed for our situation, and what we needed less. We didn't buy everything he suggested — and he didn't push. That built our trust.”Guy & Shiri Katz · Young couple, ages 34–36 · Petah Tikva
An intro call on Zoom or by phone, free of charge and with no commitment. You leave with a clear picture of where you stand today and what the next step is.