Goldstein on Gelt

Douglas Goldstein | CFP® | Profile Investment Services
  • 4.9 (30)
  • Investing
  • Updated Semimonthly

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

  1. 17h ago

    The Financial Mistake Most People Make When They Think They Have Time

    Cross-border financial planning can become stressful when important tasks are delayed. U.S. brokerage accounts, IRA accounts, beneficiary designations, estate documents, and account transfers often take longer than expected, especially for Americans living in Israel. What feels like a routine financial task can quickly become a last-minute scramble when paperwork, firm response times, holidays, and professional coordination all collide. The best time to deal with financial decisions is before pressure builds. Starting early gives you time to review your options, ask questions, gather documents, and make more thoughtful choices. For cross-border investors, acting during calm periods can make the difference between a manageable process and a stressful deadline. Key takeaways and action points: Review any U.S. brokerage, IRA, estate, or beneficiary tasks you have been postponing Start early, especially when cross-border paperwork or financial institutions are involved Build extra time into your planning so delays do not become emergencies Take one concrete step this week instead of waiting for the perfect moment If you would like to review how your U.S. brokerage or IRA accounts fit into your life in Israel, schedule your free introductory call to see if we're a good fit: https://profile-financial.com/call

    15 min

  2. Jun 10

    Inherited Bonds: What Americans in Israel Need to Know

    Inherited bonds for Americans in Israel can be confusing, especially when a U.S. brokerage statement includes municipal bonds, callable bonds, long maturity dates, and market values that are lower than expected. Understanding how bond prices, interest rates, face value, and maturity dates work can help investors review inherited holdings with more clarity. For Americans living in Israel with U.S. brokerage and IRA accounts, inherited bonds may need a fresh look. A bond may be considered "safe," but that does not automatically mean it is suitable for your tax situation, liquidity needs, retirement plan, or cross-border financial life. Municipal bonds, callable bonds, tax-loss harvesting, and concentration risk should all be reviewed as part of the bigger portfolio picture.  Key takeaways and action points: Review inherited bonds before assuming they still fit your financial plan Understand the difference between a bond being "safe" and a bond being suitable for your current life Check municipal bonds, callable bonds, maturity dates, and market values before making decisions Look at the whole portfolio for concentration risk, tax issues, and cross-border planning gaps Schedule a free introductory call to see if we're a good fit: https://profile-financial.com/call

    15 min

  3. Jun 3

    What to Do When You Think the Market Is About to Drop

    Market volatility can make even experienced investors question whether they should sell, move to cash, or wait things out. When the stock market feels shaky, fear often pushes people toward fast decisions that may hurt long-term returns. This episode explains how to respond to market declines with a clearer investment strategy instead of emotional reactions. The discussion covers why market timing is so difficult, how portfolio adjustments can be made gradually, and why risk tolerance matters as much as market performance. It also explores how retirees and long-term investors can build a plan they can stick with during uncertain times. For Americans living in Israel with U.S. brokerage and IRA accounts, staying disciplined can be especially valuable when managing cross-border finances. Key takeaways: Learn why trying to predict market drops can backfire Understand how to reduce portfolio risk without drastic moves Review the role of cash reserves during volatile markets Build an investment strategy aligned with your risk tolerance If you live in Israel and need help managing U.S. brokerage or IRA accounts, schedule your free introductory call to see if we're a good fit: https://profile-financial.com/call

    17 min
  4. Inheritance Problems with U.S. Brokerage Accounts in Israel

    May 6

    Inheritance Problems with U.S. Brokerage Accounts in Israel

    U.S. brokerage accounts in Israel don't always transfer the way people expect. Many investors rely on transfer-on-death (TOD) designations, assuming their assets will pass smoothly to heirs. In reality, cross-border rules, brokerage firm policies, and compliance requirements can interfere, leading to delays, restrictions, or unexpected complications at the time of inheritance. A more effective approach to cross-border estate planning focuses on coordinating U.S. brokerage accounts with structures that are recognized in both the United States and Israel. Understanding how inheritance, probate, and account ownership work together can help reduce friction and improve outcomes. With proper planning, investors can create a clearer, more reliable path for transferring assets to the next generation. Key takeaways: Transfer-on-death (TOD) designations may not work as expected for Americans living in Israel  U.S. brokerage firms can delay or restrict account transfers due to compliance rules  Cross-border estate planning requires alignment between U.S. and Israeli systems  Reviewing your account structure early can prevent complications later  Schedule your free introductory call to see if we are a fit: https://profile-financial.com/call

    20 min

  5. Apr 29

    The Right Way to Plan Gifting in Retirement

    Gifting strategy, retirement planning, and cross-border finance all come into focus when retirees living in Israel begin giving from U.S. brokerage and IRA accounts without a clear plan. This episode breaks down how generosity, when not aligned with cash flow and portfolio sustainability, can create long-term financial pressure. It highlights the risks of relying on rough estimates instead of precise expense tracking, and why even large portfolios are not immune to market volatility, rising living costs, and currency fluctuations. A more structured approach to financial planning allows retirees to continue supporting family while protecting their own financial security. By focusing on cash flow clarity, stress-testing investment portfolios, and building flexibility into gifting plans, cross-border investors can avoid common mistakes and make decisions with greater confidence. The conversation centers on replacing uncertainty with clear data, helping retirees stay in control of both their lifestyle and their long-term goals. Key takeaways and action points: Understand your true monthly expenses before committing to any gifting strategy  Evaluate how market downturns and currency shifts could impact your financial plan  Build flexibility into your gifting approach to adapt to changing circumstances  Align generosity with long-term retirement planning, not short-term emotion Schedule a free introductory call to see if we're a good fit:  https://profile-financial.com/call

    11 min

  6. Apr 15

    Your Spouse Handled the Investments. Now What?

    Inherited investment portfolio decisions can feel overwhelming, especially after losing a spouse or taking over investments you didn't choose. Many retirees managing U.S. brokerage or IRA accounts feel pressure to make everything "safe" by moving into bonds or cash. But decisions driven by fear rather than clarity can affect long-term retirement security. A better approach starts with understanding your income sources, time horizon, and the role the portfolio plays in your overall financial plan. Key takeaways and action points Understand the role your investment portfolio plays within your overall retirement income plan
 Evaluate risk tolerance based on your time horizon, not just current market fears
 Learn the basic structure and purpose of the investments you hold before making changes
 Review your investment strategy periodically rather than reacting to short-term market movements You can schedule a free introductory call to see if we are a good fit to work together at www.profile-financial.com/call.

    16 min

  7. Mar 25

    Plan Now So Your Family Doesn't Pay Later

    Cross-border estate planning for Americans in Israel with U.S. brokerage and IRA accounts often breaks down at the exact moment a family needs it most. This conversation focuses on how to keep control and continuity across two legal systems by aligning the right documents, account permissions, and beneficiary designations so your family can avoid delays, confusion, and unnecessary stress. The episode walks through the practical difference between authority while you are alive and competent versus what happens after incapacity or death, including why Israeli documents may not be accepted by U.S. financial institutions, how bank and brokerage policies can restrict access, and why beneficiary forms on retirement accounts can override a will. The core theme is simple: plan now so your family does not pay later, financially, emotionally, or logistically. Key takeaways and action points Confirm who has legal authority to act if you are unavailable, and make sure that authority matches the rules of your U.S. brokerage and IRA accounts. Review and update beneficiary designations regularly, especially after major life changes, to prevent unintended outcomes. Coordinate your Israel and U.S. planning documents so your estate planning works across borders, not just in one country. Schedule your free introductory call to see if we're a good fit:
 https://profile-financial.com/call

    38 min

  8. Mar 17

    Why Your U.S. Brokerage Account Feels Different After Moving to Israel

    U.S. brokerage and IRA accounts for Americans living in Israel require more than routine oversight. Once you become a cross-border client, compliance rules shift, documentation standards tighten, and access can feel less predictable. Even if your investments are diversified and performing as expected, your account structure may not be designed for overseas residency. This episode explores how living in Israel affects U.S. brokerage accounts, IRA accounts, required minimum distributions, and overall cross-border financial planning. The focus is on reducing friction, simplifying structures, and aligning your investment accounts with your residency reality. The goal is clarity, control, and fewer surprises when markets move or life events require quick action. Key Takeaways Cross-border residency changes how U.S. brokerage firms classify and supervise your accounts. IRA distributions and reporting become more layered when coordinating between the U.S. and Israel Complexity across multiple institutions increases compliance friction A proactive structure reduces stress and improves long-term financial control You can book a free cross-border evaluation call here: https://profile-financial.com/call

    14 min
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About

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

Information

  • Creator
    Douglas Goldstein | CFP® | Profile Investment Services
  • Years Active
    2012 - 2026
  • Episodes
    620
  • Rating
    Clean
  • Copyright
    © Profile Investment Services Ltd
  • Show Website
    Goldstein on Gelt

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