Great News If You Take Distributions from Your IRA
No RMD in 2020

Many of my clients have Individual Retirement Accounts (IRAs) in America. These special accounts allow them to invest in stock, bonds, ETFs (exchange traded funds), bank deposits (CD’s), and more, and not have to pay U.S. tax on the earnings. 
When do I pay U.S. tax on my IRA? 
When people withdraw money from a regular IRA,… Read more

New IRA Regulations: How Will They Affect You?

If you’re an American who moved to Israel and left your Individual Retirement Account (IRA) in America, get ready for important changes, some of which could help you out. 
If having an address in Israel is creating a problem with your IRA, please contact Sandy in my office ( to see what easy solutions are available to you. … Read more

3 Steps to Stop Your Retirement Nest Egg from Breaking
retirement nest egg

A retired couple met me in my Jerusalem office and within minutes of sitting down, it was clear that they each had drastically different views about how to handle their retirement nest egg. The husband wanted to invest heavily in the stock market and the wife wanted more conservative investments to protect their nest egg from breaking…. Read more

How To Squeeze More Dollars Out Of Your Investments
Increase investment income

A recent widow in her seventies came into my office in Jerusalem for an initial meeting on how to increase her investment income. She said that the $25,000 per year from her portfolio and pensions was simply not enough income to maintain her lifestyle.
The pension stopped – Oy!
Her husband’s pensions stopped when he died,… Read more

Should Retirees Diversify Globally to Protect Their Savings?
diversify globally

Retirees who diversify globally protect themselves from investing with too much home bias.
If you are saving for a future retirement, your goal is probably to grow your capital. If you only focus on higher returns, though, you may take risks you cannot afford. Markets can be volatile. Diversifying globally may be a good way to lower volatility and smooth out returns…. Read more

Israeli Pension Plans
Israeli pentions

Israeli law requires that full-time workers who have worked for longer than six months receive a pension plan through their employers. This is part of the government’s plan of making sure individuals have private pensions to supplement their governmental pensions. Pensions are a highly regulated field, and as such the details are in constant flux…. Read more

Do You Have to Stop Working When You Reach Retirement Age?
retirement age

Does reaching retirement age mean you have to stop working?
In Israel, the official retirement age for a man is 67. For women, it fluctuates between 60 and 62, depending on date of birth. Retirees until the age of 70 (or 69 for a woman born before 1950), are eligible for a state pension,… Read more