The best financial planning starts with the best tools. So we spent years creating calculators that answer our clients’ and students’ burning questions. Life is dynamic. PDF reports just don’t cut it any more. Instead, it is extremely empowering to know that you can update your own financial plan by changing some inputs in a … Read more
Thank you to Yaacov Rothman for the inspiration and several of the ideas behind this letter. You can find Yaacov’s 2023 update to his letter to his wife, here (Hebrew). While I generalized some numbers and removed some detail, I tried to share as much information from of my own personal letter as possible. Please … Read more
You work hard for your money, your money should be working hard for you. If you are able to earn more than you spend, the next step is to take a proactive approach to managing your money. The goal of this article is to guide you through a simple process for optimizing your finances and … Read more
This article is for educational purposes only and should not be viewed as specific tax, investment, or legal advice. Did you work in the US before making Aliyah? The goal of this guide is to provide you with a game plan for evaluating and optimizing your US retirement accounts. After Aliyah, it is easy to … Read more
Over the last decade trillions of dollars have flown into automated wealth management platforms all over the world. The basic idea is that technology can help anyone, regardless of how much money they have, get access to a low-cost, globally diversified passive investment portfolio that is automatically rebalanced. Given the abysmal results of the overwhelming … Read more
The information contained in this article is for general educational purposes and should never be viewed as specific investment, tax, or legal advice. In January 2017 the Israeli government opened an account for every Israeli child under 18 (“חיסכון לכל ילד“). Since then, money has been deposited in to these accounts each month and all … Read more
The year was 2018. I was working in hi-tech and earning well. My wife and I smartly decided to open an Israeli investment account. I had recently learned about a new product called Kupat Gemel Lehashkaa (KGL). It sounded incredible (hindsight: it isn’t ideal for most): tax-free investing, deposits of up to 70,000 ₪ per … Read more
We have been getting a lot of questions lately around financial safety. Is my money safe in Israel? Where is the best place to keep my savings – in Israel or elsewhere? If I am making Aliyah, should my money be making Aliyah with me or stay right where it is? It is important to … Read more
Welcome to your one-stop shop for everything you need to know about Keren Hishtalmut. Keren Hishtalmut (KH) is a great tax-free investment account, available to many employees (at the employer’s discretion) and to all self-employed individuals. Contribute the maximum you can to it (though read on for self-employed US citizens). Optimize your fees, think carefully … Read more
The information contained in this article is for general educational purposes and should never be viewed as specific investment, tax, or legal advice. So you have some savings that have just been sitting around in the bank and you’re ready to put them to work- where do you even begin? Say you already have an … Read more