The landscape for Israeli retirement plans is dynamic and complex due to never ending changes in regulations, tax laws and product offerings. Furthermore, the underlying retirement product structure is complicated, due to the opaqueness of the products, which is often further exacerbated by the need to rely on agents chosen by employers.  As a result its is not surprising that many are confused regarding their retirement portfolio’s benefits and coverage’s.

The first step in my meeting with any client is to try and establish a baseline for current retirement savings based on self-reporting as well as via accessing government and provider databases.  All plans will be examined and details regarding investment strategy, insurance coverages and fees will be noted.  Often, there will be recommendations made for consolidation or changes to plans that have been forgotten, neglected, or are costly.