Elaine and Robert are both engineers with a local software company. With young children and hectic schedules, their investment portfolios had taken a back seat to their busy lives. Over the years their portfolios accumulated multiple accounts at different brokerage houses with no coordinated strategy or clear direction.

We met with Elaine and Robert to review their goals and long-term plans. We then proceeded to design a long-term investment strategy that incorporated diversification, discipline, and tax-efficiency. We consolidated their old 401(k) plans, provided recommendations on existing stock option plans, harvested tax losses in their portfolios. We rebalanced their portfolios to provide for their cash flows needs both now and in the future.

We learned that Elaine and Robert had estate planning documents that at this time were no longer effective considering the latest changes in the tax laws and the increase in their net worth. They had insufficient life insurance in the event that Elaine or Robert were to die prematurely. We referred Elaine and Robert to an estate planning attorney at a local law firm. We worked closely with their insurance broker to move forward with new life insurance policies.

In this and other situations, Wealth Builders provided coordination and integration between experts in estate planning, insurance and other important areas of financial planning. Since we took over the responsibility to review on an ongoing basis, the important aspects of their finances, Elaine and Robert worry now less and focus instead on their family and their careers.

Note: Elaine and Robert are not actual clients, but their case is presented here as an illustration of our services. No portion of the content should be construed by a client or prospective client as a guarantee that he/she will experience the same or certain level of results or satisfaction, if Wealth Builders is engaged to provide advisory services.

Mike and Jennifer were nearing retirement and wanted to create a deeper sense of financial stability and security while they still had time to accrue the resources they’d need. Working together, we explored their long and short-term life goals and determined the amount of assets they would need to support their retirement aspirations.

Like many clients who find their way to us, they had a mix of self-managed and brokers managing their portfolio with mixed results. They requested a clearer direction and a personalized guidance, as their circumstances have changed and some other decisions will have to be made.

We discussed the tradeoffs between risk and return and addressed their investment timeline, cash flow needs, and current tax concerns. We also considered how they can continue enjoying the lifestyle they prefer now, while aligning their resources into the future. As we move forward, we will consider their Social Security Pensions and other retirement benefits offered by the employer.

Mike and Jennifer now have much greater confidence and peace of mind knowing their portfolios and finances are better aligned to meet their vision for a living their life now and in the future. They appreciate that they are now involved in a planning process, flexible enough to be able to respond to any changing circumstances.

Note: Mike and Jennifer are not actual clients, but their case is presented here as an illustration of our services. No portion of the content should be construed by a client or prospective client as a guarantee that he/she will experience the same or certain level of results or satisfaction, if Wealth Builders is engaged to provide advisory services.

Ben and Maya moved to the US four years ago, with their 2 young daughters. Before the move, they consulted about the tax and reporting obligations. At the time they decided to take a “wait and see” approach, as they were not sure how long they will stay in the US.

Like most of our “Relocation” Clients, they left behind some assets such as pension plans, a rental house and Company stock, which was still vesting and triggering large (and very confusing) tax obligations in both countries.

Today the girls are flourishing at school and both Ben and Maya find their jobs challenging and rewarding financially.

At this stage, they are ready to build a new financial foundation in the USA and are asking for more clarity. They have questions about Employee Benefits, Wealth Management, Savings for College, Wills and Life Insurance policies.

We assembled a team of experts which included their Israeli CPA, a Pension expert and an Attorney. The team was asked to look at the “big picture”, to avoid issues falling between the cracks. The input from the different participants helped us create a “plan of action”. The plan included: termination of unnecessary insurance policies, consolidation of pension plans and selling some of the assets in Israel. A separate Will to be written to control the Israeli assets.

We will continue implementing the financial plan here in the USA. We will be keeping in mind that the family may be returning to Israel in the future.

Now that all these issues were considered, Cross Border “Frictions” were reduced, the family is ready to enjoy family experiences today.

Note: Ben and Maya are not actual clients, but their case is presented here as an illustration of our services. No portion of the content should be construed by a client or prospective client as a guarantee that he/she will experience the same or certain level of results or satisfaction, if Wealth Builders is engaged to provide advisory services.

Are you ready to build your financial future?

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Cross-border focus

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Transparent

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Fiduciary, fee-only

Life transitions often challenge your plans.

We help you build a solid financial foundation, to enable you to make better decisions about the future, while enjoying life today.

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People We Serve

Working in High Tech

Elaine and Robert are both engineers with a local software company. With young children and … Read more

Transitioning to Retirement

Mike and Jennifer were nearing retirement and wanted to create a deeper sense of …. Read more

Israelis in the USA

Ben and Maya moved to the US four years ago, with their 2 young daughters … Read more

Building With Us

Our ideal clients are individuals or couples who are happy to let us handle their assets and financial plans. You may benefit from our services if you prefer to spend more time enjoying what you like and focusing on what you do best.

Our financial planning fee is calculated as a percentage of the value of the assets we manage for you. Our fee is 1% annually for assets up to $1M. For larger portfolios, the rate gradually decreases as the portfolio value increases.

We may also offer financial planning consultations, which are billed at our current hourly fee of $350.

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What We Do

Developing a “Plan of Action”

You have unique needs and aspirations. When we meet, we will create with you, the initial “plan of action” to outline the steps we’ll take together. It will address the immediate concerns and how to enhance your long-term financial well-being. This process is ongoing and would adapt to changes in your personal circumstances and market conditions.

Ongoing Wealth Management

We understand that your resources—whether it’s money, time, or energy—are limited. That’s why we believe that every decision you make, should take in account the “Bigger Picture”. Striking the right balance between your current lifestyle and your future goals is an ongoing challenge. We take the time to understand your unique situation and help you implement the strategies that are tailored just for you.

Cross-border Collaboration & Expertise

We specialize in services tailored for dual US/Israeli citizens. Whether you’re relocating to the USA, currently residing here, or contemplating a return, you likely encounter conflicting tax, financial, and legal regulations. We help you identify the obstacles, simplify complexities and take advantage of opportunities.

Access to a Network of Global Experts

Over the years, we’ve assembled a team of specialists, including Investment, Pension, Insurance, Taxation, and Legal in both countries, USA and Israel. We all work, as a team on your behalf. This synergy often generates coordinated and better-informed solutions.

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