Goldstein on Gelt
The Goldstein on Gelt Show is a global investment and financial planning radio show designed to educate and entertain its listeners with financial strategies and investment tips. Douglas Goldstein, CFP® hosts the weekly show, which can also be heard at https://goldsteinongelt.com and is the director of Profile Investment Services, Ltd., https://profile-financial.com
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Don’t Buy a Home in Israel Until You Listen to This
07/03/2025
Don’t Buy a Home in Israel Until You Listen to This
Thinking of buying property in Israel? Get ready for a wild ride. From off-plan pricing surprises to second-hand sticker shock, the Israeli housing market is anything but predictable, especially if you're trying to manage it from abroad. Doug Goldstein teams up with Debbie Goldfischer, Founder and CEO of Buyitinisrael.com and host of the popular podcast On The House, to break it all down. This episode is packed with smart tips, clear explanations, and the critical info every cross-border buyer should hear before making a move. If you're making Aliya, eyeing an investment, or just trying to figure out where to hang your hat long-term, this conversation will help you steer clear of stress and financial setbacks. Key takeaways:
Get clear on the trade-offs between off-plan and second-hand properties
Learn how the construction index could blow up your budget if you’re not prepared
Know when working with an agent is a must and when to go it alone Want help figuring out your next move? to see how we can help you buy smart and invest wisely in Israel.
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The Estate Planning Trap for Americans in Israel
06/26/2025
The Estate Planning Trap for Americans in Israel
Wills that don’t work. Trusts that get tangled. Heirs scrambling to figure out who gets what—and when. If you’ve got U.S. investments but live in Israel, your estate plan might be headed for a legal mess without even realizing it. This episode unpacks the real-world problems that come up when your legal documents aren’t built for cross-border life—and how you can avoid costly, confusing mistakes by getting your financial and legal teams to actually talk to each other. You’ll learn how to set up your plan so your heirs don’t need a PhD in international law to carry out your wishes—and why a little proactive planning now can save everyone a lot of headaches later. Key takeaways and action points: Don’t assume your U.S. will works in Israel (or vice versa)—get it reviewed Loop your financial advisor in before you finalize estate documents Leave your heirs a roadmap, not a scavenger hunt Work with pros who understand both sides of the ocean 👉 Want help reviewing your estate and investment setup? Book a free Cross-Border Financial Evaluation at Disclaimer: This article is meant for educational purposes only. It’s not financial, legal, or tax advice. For personalized help, speak with a qualified professional.
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From Chaos to Clarity: Mastering U.S.-Israel Finances
06/19/2025
From Chaos to Clarity: Mastering U.S.-Israel Finances
Feeling financially stuck between two countries? If your accounts are split between the U.S. and Israel, even simple money decisions, like when to convert currency or which account to use, can start to feel risky. It’s not about being bad with money. It’s about not having a system that fits your life. This episode explores the hidden stress that comes from managing cross-border finances and offers practical ways to reduce the pressure. Learn how to create clarity around your income and expenses, set a regular financial rhythm to avoid decision fatigue, and build resilience for when things go wrong. With the right structure, your finances can stop feeling like a juggling act and start giving you peace of mind. Key Takeaways: Clarity: Know what your money is doing and why Rhythm: Create a regular habit to review and adjust your finances Resilience: Build a system that can handle financial surprises Want to stop second-guessing every financial decision? Schedule your . A short, no-pressure call to help you see where things stand and what you can do next. The information provided here is intended for educational purposes only and is not to be considered legal, tax, or investment advice. Securities offered through Portfolio Resources Group, Inc. Member FINRA, SIPC, MSRB, FSI. The opinions expressed are those of the author and not those of Portfolio Resources Group, Inc. or its affiliates.
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Are You Taking Too Much Risk with Your U.S. Investments?
06/11/2025
Are You Taking Too Much Risk with Your U.S. Investments?
Are You Betting Your Future on “If”? If you’re living in Israel and managing U.S. brokerage or IRA accounts, here’s a tough question: are you confident in your investment plan or just crossing your fingers and hoping the market doesn’t drop? Managing money across two countries isn’t just about tax forms and exchange rates (though yes, there’s plenty of that). It’s about making sure your plan can actually handle the curveballs life and the market throw your way. Too often, investors assume they’re doing just fine… until they’re not. Most of us check our account balances more than we check our strategy. But here’s the problem: a big balance doesn’t always mean you’re winning. It might just mean you got lucky. And luck isn’t a financial plan. Don’t Rely on “If” to Retire “If the market gives me 10% this year…” “If the dollar stays strong…” “If nothing goes wrong…” Sound familiar? Building your future on a bunch of “ifs” is like planning a beach wedding without checking the weather. You need more than sunshine and good vibes... you need backup. The fix? Start with what you control. One of the biggest levers you have is your savings rate. Even bumping it up by 2–3% can shift your entire financial trajectory. No trends, no gimmicks, just solid planning that works over time. When One Stock Takes Over the Show That one stock that’s been doing great? It might feel like your golden goose… until it’s not. Letting a single investment grow too large can quietly hijack your whole portfolio. You wouldn’t bet your entire retirement on a startup, right? But that’s what happens when one holding becomes 40 or 50% of your account. Diversification isn’t boring; it’s smart. Think of your portfolio like a good Israeli salad: a little of this, a little of that, and nothing overwhelms the plate. That’s how you stay balanced. Feel Brave About Risk? Let’s Double-Check Risk tolerance is how you feel when the market drops. Risk capacity is whether your plan can survive it. You might not panic when things fall… but will your retirement stay on track? Will you still be able to help your kids? Support the causes you care about? It’s not about being scared. It’s about being prepared. And when you’re living in Israel with U.S. accounts, there’s even more to think about... currency swings, double taxation, weird form deadlines. Getting your structure right can make all the difference. Note: This article is for educational purposes only and does not constitute financial, legal, or tax advice. Always consult with a qualified professional to review your personal situation. Ready to make sure your portfolio is actually working for you—and not the other way around? and get a clear, practical plan that fits your life in Israel and your money in the U.S. No pressure; just smart conversation.
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Tired of Filing Two Tax Returns in Israel?
06/05/2025
Tired of Filing Two Tax Returns in Israel?
Tax rules shouldn't hold you back from building a life abroad, but for many Americans living overseas, that's exactly what happens. Marylouise Serrato of American Citizens Abroad (ACA) unpacks the real struggles expats face, from filing U.S. tax returns while living abroad to dealing with confusing rules around foreign investments. Sound overwhelming? Well change might finally be on the way. From the fight to end worldwide taxation to surprising pitfalls like PFICs and foreign pension plans, this episode sheds light on what’s broken and what’s being done to fix it. If you’re juggling Israeli life with American tax rules, this one’s a must-listen. Key Takeaways: Citizenship-based taxation is outdated and creates financial headaches for Americans abroad. Investing outside the U.S. can trigger unexpected tax problems if you're not careful. A push for residence-based taxation could bring long-overdue relief for expats. Want clarity on your personal situation? Disclaimer: This article is meant for educational purposes only. It’s not financial, legal, or tax advice. For personalized help, speak with a qualified professional.
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When Life Happens, Will Your Money Be There?
05/29/2025
When Life Happens, Will Your Money Be There?
Need cash fast in retirement? Don't get stuck selling stocks at the worst time or scrambling with currency conversions. If your money’s locked away in long-term accounts, it might look good on paper—but won’t help much when life throws you a curveball. This episode dives into the surprisingly overlooked topic of liquidity—what it is, why it matters, and how to make sure your money is actually there when you need it. Whether you're living in Israel, spending in shekels, or managing U.S. accounts from afar, you'll learn how to build a flexible, stress-free financial setup that gives you options—not headaches. Say goodbye to panic-selling and hello to peace of mind. Key takeaways and action points: Liquidity = freedom. Without it, you're stuck. Avoid costly mistakes by keeping cash ready for surprises. Split your emergency funds between shekels and dollars. Top off your cash reserves when the markets are strong. Want to go deeper? Check out Doug’s article on how to avoid liquidity traps in retirement, especially if you're managing U.S. and Israeli accounts: Disclaimer: This article is meant for educational purposes only. It’s not financial, legal, or tax advice. For personalized help, speak with a qualified professional.
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Retiring in Israel? Don't Ignore Your IRA
05/21/2025
Retiring in Israel? Don't Ignore Your IRA
There’s over $15 trillion sitting in IRA accounts in the U.S.—are you making the most of yours? If you’re living in Israel and still have retirement savings in the States, understanding how IRAs work could mean the difference between a secure future and missed opportunities. This episode makes sense of the rules (without the jargon), shows you how to avoid unnecessary taxes and penalties, and gives you the tools to take full control of your financial future—right from your laptop in Tel Aviv, Jerusalem, or wherever you call home. No more guessing what a traditional IRA actually does or when to take money out. If you’ve got U.S. retirement accounts and a life in Israel, this is your quick-start guide to smarter investing. Key takeaways and action points: Discover how tax-deferred growth can supercharge your retirement savings Find out when and how you can access your money without triggering penalties Learn how RMDs work and when the IRS really starts paying attention If you need help managing your U.S. IRA from Israel and want to make the most of it, schedule a free Cross-Border Financial Evaluation by
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Saving Money 101: Stop Wasting and Start Building Wealth
05/15/2025
Saving Money 101: Stop Wasting and Start Building Wealth
Why Saving Money Feels Hard (And How to Make It Easy) Ever check your bank balance and think, Wait—where did all my money go?! One minute, payday hits, and the next, your hard-earned cash has vanished—eaten up by bills, surprise expenses, and everyday spending. It’s like your money is playing hide and seek… and winning. But here’s the good news: saving money doesn’t have to feel impossible. You don’t need to overhaul your lifestyle, live on instant noodles, or give up everything fun. A few smart tweaks can turn saving from a dreaded chore into something effortless—maybe even a little exciting. Let’s break it down. Why an Emergency Fund is a Game-Changer Life has a knack for throwing expensive surprises your way—your car breaks down, a medical bill pops up, or your fridge decides to call it quits. Without a financial cushion, these moments can turn into full-blown crises, leaving you scrambling for a solution. That’s where an emergency fund comes in. Think of it as a financial safety net. Instead of reaching for a credit card, borrowing money, or selling investments at the worst possible time, you can handle unexpected expenses stress-free. No panic, no debt—just peace of mind. How Much Should You Save? Think of your emergency fund like a financial airbag—you hope you never need it, but you’ll be glad it’s there. Here’s a good rule of thumb: Steady paycheck? Aim for at least three months’ worth of expenses. Self-employed or income varies? Six months is a safer bet. Retired? Keeping up to a year’s worth of expenses in cash can help you avoid selling investments during a market downturn. And don’t stress about saving it all at once. Start small, set aside what you can each month, and watch it grow. Where to Keep Your Emergency Fund Not under your mattress, that’s for sure. And not in a checking account earning zero percent interest, either. The goal is to keep it safe, accessible, and ideally, earning a little something. If your expenses are in dollars, a U.S. money market fund could be a great option. Some are even insured, similar to FDIC-backed bank accounts. Unlike a regular checking account, which earns almost nothing, money market funds often provide a variable return, so be sure to check with a financial professional to understand the risks and details. If you need shekels, Israeli banks may not offer great interest on regular accounts, but some allow you to lock your money for short periods (daily, weekly, or monthly) to earn a little extra. Even a small return is better than letting your money sit idle. Beyond the Emergency Fund: Making Your Money Work for You An emergency fund is your financial safety net, but long-term security requires more than just stashing away cash. At some point, you’ll want to stop working—or at least have the option to stop. Many people assume that between Social Security (U.S.), Bituach Leumi (Israel), and their pension, they’ll be fine. But the reality? Those sources often fall short. To maintain your lifestyle in retirement, you need investments that grow over time. Building an Investment Portfolio Investing can feel intimidating, but it doesn’t have to be complicated. A broad, diversified portfolio—such as an index fund tracking the S&P 500—can be a straightforward way to grow wealth over time. Others prefer a mix of stocks, bonds, or managed portfolios tailored to their goals and risk tolerance. The key is consistency. Even small contributions, made regularly, can grow significantly over time. And while markets fluctuate, history suggests that long-term investors tend to fare better than those who sit on the sidelines. Important note: Investing involves risk, and past performance does not guarantee future results. Always consult a licensed financial advisor to determine what strategy makes sense for your situation. Plugging the Financial Leaks: Where is Your Money Going? You might think you have your spending under control, but when you actually track where your money is going, the results can be surprising. Many people waste thousands each year without realizing it—on subscriptions they don’t use, high-fee services, and impulse spending. A quick self-check: Are you paying for things you don’t actually use (streaming services, gym memberships, premium banking fees)? Do you regularly eat out or order takeout but can’t seem to save for bigger goals? Are you overspending on insurance or other recurring expenses without shopping around for better rates? You don’t have to cut everything fun out of your life—you just need to be intentional about where your money goes. A simple spending review can help you redirect money from waste to wealth-building. The Secret to Saving More Without Thinking About It One of the easiest ways to build wealth? Automate your savings. Set up an automatic transfer so that every month, a portion of your paycheck goes straight into savings before you have a chance to spend it. You can do this with your emergency fund, investment accounts, or even a retirement account. The less you have to think about saving, the more likely you are to actually do it. Over time, those small amounts add up in a big way. Small Changes, Big Impact Financial security isn’t about being rich—it’s about being prepared. An emergency fund gives you the freedom to handle life’s unexpected expenses without stress, turning financial shocks into minor inconveniences. Investing wisely allows your money to grow over time, so you’re not just stashing cash but actually building long-term wealth. At the same time, cutting out unnecessary expenses doesn’t mean giving up what you love—it means making sure your money is working toward what truly matters. The easiest way to stay on track? Automate your savings. When saving happens in the background, it becomes effortless—and over time, those small, consistent contributions can add up to real financial security. If you want to make sure your U.S. brokerage and IRA accounts are positioned to support your financial future, schedule a free Cross-Border Financial Evaluation today and get a clear, customized plan for managing your investments while living in Israel.
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Financial Survival for New Olim: The Cross-Border Strategy
05/08/2025
Financial Survival for New Olim: The Cross-Border Strategy
Aliya is an adventure, and your finances should be ready for the ride! But too many new olim arrive in Israel only to find their U.S. brokerage and IRA accounts limited or even shut down. The key is preparation—making sure your money stays accessible, your investments remain on track, and your financial future is secure. Learn what steps you need to take before and after the move, how to keep your accounts running smoothly, and why working with a cross-border financial expert can make all the difference. Key Takeaways: Avoid U.S. brokerage account closures by working with an advisor who understands cross-border finance Keep an emergency fund ready so unexpected expenses don’t derail your aliya experience Adjust your investment strategy to match your new life abroad—because your financial goals just got a whole new landscape! If you’ve just made the move or are ready to, let’s talk! Sign up for a free .
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Financial Intimacy: The Key to Success
04/10/2025
Financial Intimacy: The Key to Success
Talking about money with your spouse can feel about as fun as a trip to the dentist—but what if it didn’t have to be that way? Financial intimacy isn’t just about budgets and spreadsheets; it’s about strengthening your relationship by building trust, aligning your goals, and working together as a team. Learn how to set up “financial date nights,” avoid money fights, and align your finances with what really matters to both of you. This episode is packed with practical, easy-to-use tips to make managing money together way less stressful. Key Takeaways: Money talks = relationship builders. The more you communicate, the stronger your trust. Ditch the stress. A regular “financial date night” keeps money conversations casual and productive. Align your money with your values. When finances reflect what matters most, decisions get easier. Want to make your next financial date effortless (and maybe even fun)? Check out
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How U.S. Expats Can Avoid the Top Mortgage Mistakes in Israel
04/03/2025
How U.S. Expats Can Avoid the Top Mortgage Mistakes in Israel
Thinking about buying property in Israel? Brace yourself—getting a mortgage here isn’t like walking into your local U.S. bank. Israeli lenders care more about cash flow than net worth, appraisals often come in lower than expected, and pulling equity out later in the form of a HELOC (Home Equity Line Of Credit) might cost you more than you think. The good news? With the right strategy—like getting pre-approved and structuring your assets smartly—you can avoid costly mistakes and secure the best financing for your dream home. To help break it all down, we’re joined by Aaron Krasner, Owner and Senior Mortgage Broker at Anglo Mortgages, who shares expert insights on navigating the Israeli mortgage process and avoiding common pitfalls. Don’t let bank rules or confusing fine print hold you back—get ahead of the game and take control of your mortgage process! Key Takeaways: Your $5 million portfolio won’t impress Israeli banks—they want to see steady income, not just net worth. That 75% loan-to-value promise? Not so fast. The bank lends based on the lower of your purchase price or their appraisal. Pre-approval is your best friend. Get it early to avoid last-minute surprises and make your mortgage process smooth. 🔗 Want more expert insights on cross-border finances? Check out Doug’s blog by
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Invest Smarter While Living Abroad: Cracking the Code of Economic Moats
03/27/2025
Invest Smarter While Living Abroad: Cracking the Code of Economic Moats
Ready to take your investment game to the next level? Discover the secret weapon of smart investors: economic moats! These unique business advantages can help companies crush their competition and keep their profits strong—no matter the market conditions. Whether you're managing U.S. investments from abroad or just looking to build a portfolio you can feel confident about, this episode has the insights you need to spot the winners and dodge the duds. Key Takeaways: Learn what makes an economic moat and how it protects a company’s edge Uncover simple ways to identify businesses built to thrive long-term Get actionable strategies to diversify your investments and stay ahead of the curve Want more tips to supercharge your portfolio? Check out the Doug’s blog at The information provided here is intended for educational purposes only and is not to be considered legal, tax, or investment advice. Securities offered through Portfolio Resources Group, Inc. Member FINRA, SIPC, MSRB, FSI. The opinions expressed are those of the author and not those of Portfolio Resources Group, Inc. or its affiliates.
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The Simple Strategy That Beats Market Timing Every Time
03/20/2025
The Simple Strategy That Beats Market Timing Every Time
Think you can outsmart the stock market? Think again! Investors who chase market highs and lows often lose out on long-term gains. This episode reveals why emotional decisions and frequent trading are draining your wealth, and how a simple, steady approach can help you build a strong, diversified portfolio. You’ll learn why staying invested matters, how compounding grows your wealth over time, and the hidden trading costs that can quietly sabotage your success. Stop second-guessing yourself every time the market shifts—investing doesn’t have to be complicated. Ready to get serious about smart investing strategies? Let’s dive in. Key Takeaways: Timing the market rarely works and often leads to missing out on the best days for returns Frequent trading can rack up hidden costs and higher taxes, hurting your portfolio Compounding is your most powerful ally—let it work its magic by staying invested 🔗 Learn more about building a smart investment strategy at . The information provided here is intended for educational purposes only and is not to be considered legal, tax, or investment advice. Securities offered through Portfolio Resources Group, Inc. Member FINRA, SIPC, MSRB, FSI. The opinions expressed are those of the author and not those of Portfolio Resources Group, Inc. or its affiliates.
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Don’t Miss the Next Big Financial Breakthrough
03/06/2025
Don’t Miss the Next Big Financial Breakthrough
Opportunities to build significant wealth don’t knock every day. The key is being prepared when they do. These rare, game-changing events—often called "tail events"—can transform your financial future if you position yourself correctly. This episode unpacks how to spot these opportunities, why diversification is essential to mitigate risk, and how patience and automation can keep you consistent and resilient when markets get rough. Learn how successful investors prepare for the unexpected and discover strategies to take control of your financial destiny. You'll also hear tips on building flexibility in your portfolio, maintaining an "opportunity fund," and experimenting with new strategies that can open doors to wealth without risking it all. Key Takeaways: Tail events are rare but powerful moments that can drive long-term financial growth Diversification spreads your risk and increases your chances of benefiting from future opportunities Patience and automation can reduce emotional investing mistakes and improve consistency Read additional insights on Doug’s blog and discover how to prepare for rare opportunities! .
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What Happens to Your U.S. Retirement Accounts After Aliya?
02/27/2025
What Happens to Your U.S. Retirement Accounts After Aliya?
Did you know your U.S. IRA could still provide major tax advantages even after making Aliya? In this episode, special guest Yaacov Jacob, an expert accountant with extensive experience helping cross-border clients, joins the show to reveal essential strategies for Americans living in Israel. Together, we unpack the differences between traditional and Roth IRAs, explore how Israeli and U.S. tax systems interact, and discuss how to avoid costly pitfalls like double taxation. Whether you've been in Israel for 10 months or 10 years, there's plenty to learn about optimizing your retirement accounts. Key Takeaways: Traditional and Roth IRAs have different tax benefits—learn which one works best for Americans in Israel Israeli and U.S. tax laws interact in ways that can either hurt or help your retirement savings Converting a traditional IRA to a Roth IRA might reduce future tax burdens but requires careful planning Want more insights? Check out the full breakdown of cross-border retirement planning by .
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The Real Reason Americans in Israel Make Costly Investment Mistakes
02/20/2025
The Real Reason Americans in Israel Make Costly Investment Mistakes
Are your investments suffering from information overload? If financial headlines make you feel like you’re riding a rollercoaster blindfolded, you’re not alone. This episode dives into the sneaky biases that derail your decisions—like recency bias and emotional investing—and shows you how to fight back. From crafting a solid investment plan to tuning out the noise, you’ll learn how to cut through confusion and stay laser-focused on your goals. Ready to stop reacting and start thriving with your investments? Let’s go! Key Takeaways: Unmask the biases messing with your money moves (and how to outsmart them) Discover how to avoid falling for hype and manage market noise like a pro Learn why trusted advice can turn chaos into clarity for cross-border investors For even more tools to keep your finances on track, check out Doug’s blog at
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How U.S. Expats in Israel Can Minimize Tax and Maximize Impact
02/06/2025
How U.S. Expats in Israel Can Minimize Tax and Maximize Impact
Unlock the secrets to growing your wealth while living abroad! Managing U.S. investments from Israel comes with unique challenges, but with the right strategies, you can maximize your portfolio, cut down on taxes, and even help others in a tax-smart way. In this episode, we dive into powerful ways to take control of your finances, reduce risk with smart diversification, and turn your investment wins into impactful charitable contributions. Discover how to make your money work harder for you—whether you're optimizing cross-border portfolios or aligning your financial goals with your generosity. Packed with actionable tips, this episode will leave you feeling inspired and ready to take charge of your financial future! Key Takeaways: Master the art of diversification to safeguard your U.S. investments Transform appreciated stocks into tax-saving charitable opportunities Navigate cross-border financial planning with confidence and ease Get inspired and find even more tips by going to
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High Risk, High Reward: Why Smart Investors Look Beyond the Numbers
01/30/2025
High Risk, High Reward: Why Smart Investors Look Beyond the Numbers
Discover how to evaluate your portfolio like a pro, keep your investments balanced, and focus on strategies that truly build wealth. Are your investments calling the shots in your life? Too often, people fall head over heels for a single stock, forgetting the golden rules of smart investing. This episode dives into how emotional attachment can derail your financial plans and why it’s so important to take a step back and see the big picture. Get ready to take control and invest with confidence! Key Takeaways: Falling in love with a stock can cloud your judgment—keep it business! Diversification is your safety net for navigating the ups and downs of the market. Thoughtful, informed decisions are the key to staying on track with your financial goals. Ready to level up your investing game? Check out for more tips and tools!
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What You Need to Know in 2025: RMDs for U.S. Citizens in Israel
01/23/2025
What You Need to Know in 2025: RMDs for U.S. Citizens in Israel
Required Minimum Distributions (RMDs) don’t have to be a headache! Think of it like this: it’s your money graduating from retirement savings school and finally heading out into the world. In this episode, we break down what RMDs really mean for your IRA, how to dodge those nasty penalties, and how to use these withdrawals to your advantage. Whether you’re managing your own account or handling an inherited IRA, we’ve got you covered with the need-to-know info to keep Uncle Sam happy and your finances in check. Key Takeaways: Understand RMDs without the IRS jargon—simple, clear, and doable. Avoid penalties (because who wants to give the IRS an extra 25%?). Get the scoop on inherited IRAs and the rules that could save your family thousands. For more exclusive insights and tips, visit Doug’s blog by going to The information provided here is intended for educational purposes only and is not to be considered legal, tax, or investment advice. Securities offered through Portfolio Resources Group, Inc. Member FINRA, SIPC, MSRB, FSI. The opinions expressed are those of the author and not those of Portfolio Resources Group, Inc. or its affiliates.
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The #1 Mistake Americans in Israel Make with Their U.S. Accounts
01/16/2025
The #1 Mistake Americans in Israel Make with Their U.S. Accounts
Ready to stop sweating every market wobble and start investing like a pro? This episode on asset allocation has the answers you’ve been Googling at 2 a.m. Discover how to build a portfolio that’s as calm under pressure as your favorite Zen master, learn why diversification is the financial equivalent of not putting all your eggs in one basket (because who wants scrambled retirement plans?), and find out how a little liquidity can be your secret weapon when life throws a curveball. Whether you’re mapping out retirement, growing your wealth, or just trying to adult responsibly, this episode serves up the tips you need—with a side of financial confidence. Listen now—you’ll thank yourself later! Key Takeaways: Build a portfolio that fits you—your goals, your risk tolerance, your timeline. Spread the love across asset classes for a stable and secure investment mix. Stay ahead of the game by reviewing and adjusting your strategy when life or markets change. Ready to take charge of your investments? If you want more critical information for Americans living in Israel, .
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Financial Stability for Your Golden Years
01/09/2025
Financial Stability for Your Golden Years
Retirement planning doesn’t have to feel like a chore! It can be the key to unlocking your dream lifestyle in the golden years. Dive into the secrets of crafting a retirement strategy that’s not just secure but exciting. From transitioning from saving to spending to creating a steady mix of income streams, learn how to turn your retirement dreams into reality. Whether you’re just getting started or already in the thick of planning, this episode is packed with insights to help you stay ahead. Take control of your financial future with actionable tips and smart strategies designed to keep you comfortable and confident, no matter what life throws your way. Ready to make your golden years truly shine? Key Takeaways It’s never too late to start saving—every step forward counts. A mix of income sources is your secret to long-term stability. Smart planning can help you transition seamlessly into spending mode. 💡 Looking to safeguard your legacy and protect your financial future? Join our free exclusive webinar with Mirit Hoffman for expert insights and actionable strategies.
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From Spam to Scam: Safeguard Your Cross-Border Finances Today
12/19/2024
From Spam to Scam: Safeguard Your Cross-Border Finances Today
Let’s face it—scammers are getting sneakier, and your hard-earned money is their ultimate prize. Don’t let them win! Marketing guru Jay Schwedelson shares eye-opening insights into the clever tactics scammers use to grab your attention and trick you into risky decisions. Learn how to recognize these schemes and take control before they can do any damage. You’ll discover simple, no-nonsense strategies to keep your investments safe and your email inbox squeaky clean. This episode is packed with straight talk, practical advice, and a whole lot of “don’t fall for that!” moments. Key Takeaways: Scammers count on your fear and greed—don’t give them the satisfaction. Learn to spot sketchy emails and messages before you even open them. Trust is earned—always double-check the source before taking action. Disclaimer: This article is for educational purposes only and does not constitute financial, legal, or tax advice. Always consult with a qualified professional for personalized guidance. Looking to safeguard your legacy and protect your financial future? Join our free exclusive webinar with Mirit Hoffman for expert insights and actionable strategies.
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Family CFOs: Take Charge of Your Wealth
12/12/2024
Family CFOs: Take Charge of Your Wealth
Are you ready to take control of your cross-border finances like a pro? In this episode, we tackle the challenges expats face with managing investments, handling multiple currencies, and staying ahead of regulatory headaches. Say goodbye to confusion and hello to clarity with tips to protect your wealth and make your money work for you. Whether you're balancing dollars and shekels or safeguarding your accounts, this episode gives you the know-how to dominate your financial game. Key Takeaways: Discover the secrets to thriving financially as an expat. Learn how to safeguard your U.S. accounts and stay ahead of regulations. Master the art of diversification and currency management. Unlock more tips and tools at Looking to safeguard your legacy and protect your financial future? Join our free exclusive webinar with Mirit Hoffman for expert insights and actionable strategies.
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Is Your Estate Plan Ready for the Real World?
12/05/2024
Is Your Estate Plan Ready for the Real World?
Think T.O.D. Accounts Are Simple? Think Again! T.O.D. accounts might sound like the shortcut to estate planning bliss, but for cross-border families, they can lead straight to chaos. Tax traps, legal tangles, and probate drama are just a few of the surprises waiting for unsuspecting heirs. Don’t let a so-called "simple solution" turn into a family nightmare—learn how to sidestep the pitfalls and build an estate plan that actually works across borders. Key Takeaways: T.O.D. accounts can backfire: Especially when heirs live abroad or assets cross borders. Estate plans need regular checkups: Make sure your accounts and documents are airtight. Expert help is a game-changer: The right cross-border team can save time, money, and stress. Ready to make your estate plan foolproof? Schedule a free Cross-Border Financial Evaluation today by . Let’s see if and how we can help!
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Avoid the Liquidity Trap: Unlocking Access to Your Wealth
11/28/2024
Avoid the Liquidity Trap: Unlocking Access to Your Wealth
Why Even Millionaires Can Feel Cash-Strapped and What to Do About It Rich on paper but broke in reality? It’s called a liquidity trap, and it’s more common than you think! If your wealth is tied up in real estate or illiquid investments, accessing the cash you need can feel like breaking into a locked safe. Learn how to make your money work for you, avoid the headaches of financial inflexibility, and keep your future secure. Plus, we’ll show you how having the right strategy (and the right cross-border expert😉) can help you stay ahead. Key Takeaways: Keep your wealth within reach—understand your liquidity! Balance is key: diversify so you always have options. Get tailored cross-border advice to make smarter financial moves. For additional insights on staying financially flexible and making smart investment choices, check out the article, What Car Seats and Investing Have in Common, by .
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Renouncing U.S. Citizenship: The Financial and Emotional Realities
11/21/2024
Renouncing U.S. Citizenship: The Financial and Emotional Realities
Thinking about renouncing your U.S. citizenship? It’s a decision that comes packed with complex financial and emotional considerations! Eli Clark, an international lawyer with a focus on cross-border estate planning, joins us to unpack the nuances. From untangling complicated banking woes to understanding the infamous exit tax, there's a lot at stake. We dive deep into what it really means to leave behind your U.S. passport—debunking myths and tackling big questions like, "Will I still get my Social Security?" or "What happens to my investments?" Don't make the leap without knowing all the facts (and a few surprises) that could impact your future. Key Takeaways: Renouncing your citizenship can free you from tax headaches, but there are big financial considerations to manage. Learn how to dodge hefty estate and exit taxes with the right planning before you make any moves. Even if you say goodbye to your passport, the U.S. might still have a claim on your assets. Know what to expect! Want more insights? Head over to for the full breakdown.
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Smart Investing Under Stress
11/14/2024
Smart Investing Under Stress
Investing can feel like riding a roller coaster, but the secret to success isn’t in predicting the market—it’s in mastering your emotions. Is your portfolio still working for you, or are fear and excitement driving your decisions? This episode reveals how unchecked emotions can derail even the best financial plans—and what you can do to stay in control. Learn how to align your investments with your true goals, turn losses into opportunities, and create a strategy that works in any market condition. Key Takeaways: Keep emotions from hijacking your strategy – Stay cool, even when markets aren't Make sure your portfolio fits YOU – Align investments with your goals, not market trends Turn losses into opportunities – Use tax strategies to ease financial pressure Partner with a pro for peace of mind – An advisor helps you stay focused and in control Don’t let stress steal the driver’s seat. Listen to the podcast and read Stress Less: Transform Your Investment Approach Today by .
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Take Back Control of Your Investments
11/07/2024
Take Back Control of Your Investments
Struggling to feel in control of your finances? Sometimes, investments can take unexpected turns, especially if you’re dealing with cross-border accounts or unfamiliar tax rules. This episode dives into how to recognize when your portfolio is steering off course, why you should always trust your gut, and the importance of simplifying your strategy. Learn why risky investments, hidden tax consequences, and pushy advisors can lead to financial headaches—and how to take back the reins. It’s time to stop letting others dictate your financial future and get back to making your money work for you. Key Takeaways: If your investments feel off, they probably are—trust your gut! Be cautious of risky investments that don’t align with your financial goals. Cross-border investing can come with hidden tax headaches—stay on top of them! For more tips on taking control of your finances and ensuring clear communication with your advisor, read How to Best Handle Your U.S. Investments from Israel with Clear Communication by . Learn how to ask the right questions, make informed decisions, and confidently manage your financial future.
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A Retirement Game Changer: Dividend ETFs
10/31/2024
A Retirement Game Changer: Dividend ETFs
Worried about whether your money will last through retirement? You’re not alone, but there’s a powerful tool that could help turn your concerns into confidence: dividend-paying ETFs. These handy investments could pay you regular income—without you having to lift a finger. Imagine setting up a second paycheck just from your portfolio! Whether you're looking for potential stability during market ups and downs or a possible reliable income stream for your golden years, dividend ETFs might be exactly what your financial plan needs. Plus, with the right strategy, you can make your money work harder for you while keeping risk in check. Key takeaways: Turn your investments into a steady income stream with dividend ETFs. Spread out your risk and enjoy more peace of mind through diversification. Start small, monitor results, and let your portfolio grow smartly. Ready to see how dividend ETFs can fit into your strategy? Schedule a free cross-border financial evaluation at We’ll see if we can help you make more income from your investments.
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Escape the Guardianship Trap: The Importance of an Enduring Power of Attorney
10/10/2024
Escape the Guardianship Trap: The Importance of an Enduring Power of Attorney
Estate planning may sound like a snooze, but there’s one powerful document you can’t afford to ignore: the enduring power of attorney. In this episode, Doug Goldstein and Mirit Hoffman uncover why this single document is your secret weapon for staying in control of your finances and healthcare, even when life throws unexpected curveballs. Plus, discover how to avoid the headaches of guardianship, and why all cross-border investors need to have their assets covered on both sides of the ocean. Whether you’re managing U.S. or Israeli assets, this episode will show you how to protect your future like a pro. Key Takeaways: Take charge of your future with an enduring power of attorney – it’s a game-changer for protecting your decisions! Guardianship? No thanks! Learn how to avoid court-appointed headaches and stay in control. Cross-border investor? Make sure your assets are covered both in the U.S. and Israel for total peace of mind. If you're ready to take control of your financial future, to schedule a free Cross-Border Financial Evaluation. We’d love to see how we can help! Disclaimer: This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Please consult with a qualified professional for advice tailored to your personal situation.
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