Comprehensive Financial Planning

Comprehensive financial planning is aimed at assisting you and your family throughout all circles of life, by identifying the correct balance between the resources you have at your disposal and your goals and desires, and assisting you in realizing them.

Comprehensive financial planning entails a number of services, including:

Defining your short-term and long-term goals for after your retirement.
Dealing with all components of your financial portfolio in one place (insurance plans, pension funds, saving accounts, investments, etc.).
Creating a comprehensive pension plan for you and your family.
Re-evaluating the risk levels of your financial assets, including rates of interest, fees, and charges.

Investment Management

It is our experience that optimal investment management ensures future financial peace of mind. That is why all your financial assets must be optimally managed, in line with your needs, desires, and capabilities, and in line with your preferred levels of risk. Our services include:

Evaluating investment channels and resource allocation to suit your specific needs, desired levels of risk, and required yields.
Increasing profits and decreasing risks using advanced tools and knowhow.
Allocating resources based on levels of risk and types of products.

Risk and Insurance Planning

Optimal planning and preparing for a rainy day are an inseparable part of comprehensive financial planning, aimed at protecting you and your family via a range of policies. Health insurance, accident policies, loss of work capacity, serious diseases, long-term health care, and life insurance plans will enable you to carry on with your life as much as possible, even in the occurrence of an undesirable event. Comprehensive financial planning covers a large range of insurances – in order to achieve an optimal outcome. Risk and insurance planning include:

Evaluating your various insurance policies based on your relevant needs.
Mapping your family’s current coverage.
Examining the feasibility of your various insurance plans, cancelling duplicate plans, and adding necessary missing ones.

Pension Planning

Retiring from work is one of the most significant events in a person’s life. However, unfortunately, most people are not familiar with their current pension plans, and avoid monitoring frequent updates and changes made to their products, regulations, and market conditions. This could be a critical mistake with dire consequences that may affect your lifestyle and financial capabilities after retiring.

Retiring requires comprehensive planning ahead. Pension planning is aimed at ensuring your level of income after you retire and achieving optimal yields from your pension and saving funds – so that you can continue to live the lifestyle to which you are accustomed. The increase in life expectancy heightens the need for comprehensive, unbiased, and professional financial planning, including:

Collecting all relevant data about your various policies, assets, and commitments.
Re-evaluating the terms and conditions of your policies and pension saving funds, and those of your family members.
Adjusting your saving channels to suit your financial situation, lifestyle, and ambitions – now and in the future.

Credit Solutions

Money is money. In most cases, money is also expensive. Comprehensive financial planning will identify which loans, mortgages, and credit lines are optimal for you and your needs, significantly decrease costs, and help you prepare for the occurrence of an unexpected event, change, or crisis – with maximum flexibility.

Credit planning includes:

Conducting cost evaluation and market research for reducing loan expenses and suiting them to your needs.
Ensuring suitable credit with optimal terms at any given time.
Managing your credit portfolio over time, in order to adapt it to the frequent changes in products, regulations, and market conditions.

Comprehensive Financial Planning

Member of the Association of Financial Planners in Israel

Testimonials

Extremely professional

I have been working with Yosi for a number of years. After conducting a thorough analysis of my financial portfolio, Yosi recommended which changes to make, in order to maximize yields at the desired levels of risk and save on management fees. Yosi also manages some of my investments and insurance plans, combining professional knowledge, experience, and attention to detail for the benefit of the customer.

Rotem Levy, Misgav Regional Council
The right person in the right place

I first met Yosi in 2014 when I was the surgeon who operated on one of his children. We became firm friends. Before retiring from work as a civil servant, I asked Yosi for advice on investments, pensions, and health insurance for myself and my family. This was the best decision I could have made. Yosi was the right man in the right place, and he helped me every step of the way and in a most professional manner. Yosi is still in touch with my family and myself, and I am delighted to recommend Yosi's services.

Dr. Gidon Shoshani, Haifa
Provides a feeling of security

Since retiring in 2013, Yosi Pichadze has been my pension investment advisor for all my saving and insurance plans. In some cases, he is also the insurance agent. I have the utmost confidence in Yosi's recommendations. Over the past two years, my financial accounts have done well, despite market fluctuations. I highly recommend that all my acquaintances use Yosi as their financial advisor. Good luck!

Dr. Daniel Leshem, Haifa
A real asset to the market

Yosi has been managing all my financial assets for quite a few years. He advises me on which investment and savings options to choose, and carries out the agreed-upon deposits and withdrawals. Yosi provides professional, reliable, fast and efficient services, and is a real asset to this wild and confusing marketing of financial assets, pension planning, health insurance, and long-term care insurance. I am extremely satisfied with the service I receive from Yosi and whole-heartedly recommend his services.

Doron Storalzy, Timrat
Objective and professional

I was most impressed with how Yosi looks at matters, in an objective and professional manner, providing customers with what they really need, without trying to "sell" unnecessary products just to make a profit. Yosi also has a holistic outlook of each customer's finances and insurance as a whole. When handling financial investments and insurance plans for people with assets, especially those who are self-employed, Yosi offers peace of mind, working with maximum integrity and transparency.

Avry Ratchby, HR and Financial Manager, Kibbutz Sassa
Always readily available

I highly recommend Yosi as a consultant and am grateful that I work with him. Yosi met with me at great length to go over each and every insurance plan that I had purchased over the years. He identified some duplicate insurances, and replaced others for better plans. I found myself saving more than $200 each month. Yosi uses innovative software to organize and monitor my portfolio and is always happy to answer questions and queries. You can sleep well knowing that the person managing your portfolio is reliable, thorough, professional, caring and dedicated.

Moshe Tesler, Moshav Moreshet
Clear and actionable recommendations

Over the past few years, Yosi has been my financial planner and advisor for all my savings. I was most impressed by his professionalism and his being highly familiar with the topic, including offering specific options based on my age. Yosi presents the issue and his recommendations in a clear-cut and calm manner, enabling customers to reach optimal decisions.

Ran Yossef, Kiryat Motzkin
Always pleasant and patient

I have been working with Yosi for the past two years and am extremely grateful. Yosi is highly professional, reliable and dedicated, and always provides personal service with the utmost patience. Each financial issue is thoroughly considered, to find the optimal solution. I highly recommend using Yosi's services and taking advantage of his vast knowledge and experience.

Dr. Shoshi Ben-Or, Kibbutz HaSolelim

Comprehensive Financial Planning

Investment Management

Risk and Insurance Planning

Pension Planning

Credit Solutions

Testimonials

Extremely professional

The right person in the right place

Provides a feeling of security

A real asset to the market

Objective and professional

Always readily available

Clear and actionable recommendations

Always pleasant and patient

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