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  • Pension Planning

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.
  • Ensuring optimal pension payments and taxes.
  • Building a day-to-day budget that is in line with your available assets and resources.
  • Planning and allocating resources for a range of post-retirement purposes, including studying, trips, hobbies, family, and health-related matters.
  • Issuing periodic reports to examine your various saving channels and management fees, evaluate your insurance plans, and adjust them to the changing needs of you and your family members.
  • Dealing with inheritance for the next generations.

Our services

Member of the Association of Financial Planners in Israel

A few words about me

An expert in financial, pension and risk planning management, Yosi Pichadze is a licensed pension insurance agent and a licensed investment consultant (contingent). Yosi is also a certified financial planner (CFP) and a member of the Union of Financial Planners in Israel (UFPI). He too often finds himself contemplating about the day he retires, has more time to spend with my family, and realizes at least some of his dreams.

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

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The information contained on this website is in no way a recommendation to buy or sell any financial or insurance product whatsoever or a substitute for actual consultancy that takes into account the customer's data and needs and that is provided by a certified consultant as defined by law. The Yosi Pichadze Pension Insurance Agency (2018) Ltd. is a licensed pension insurance agency that engages in pension fund marketing and not pension fund consultancy. The Yosi Pichadze Pension Insurance Agency markets products for a range of entitites as detailed on the company's website. The Yosi Pichadze Pension Insurance Agency has an affinity, as defined in the Financial Service Supervision Act (engaging in pension fund consultancy and pension fund marketing) 2005, with the financial products that it markets and may prefer these products when providing customer services.
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