How we work with you, from the first conversation on.
We take the time to understand your financial picture, help you make the right decisions, take care of the implementation, and stay with you as life evolves.
Understand the whole picture.
It starts with a short introductory conversation, about 15 minutes, to see if we're a fit. Then we sit down with you to understand your circumstances, goals and priorities, and review the pensions, insurance, investments and savings you already have.
Even if you come to us about one specific product, we want to understand how it fits into your broader financial situation.
What we look at together
- Your circumstances, goals and priorities, and what's coming up
- Pension funds, Keren Hishtalmut (a tax-advantaged savings fund) and provident funds
- Life, health and disability insurance
- Savings and investments
- What it all costs you, how it's invested, and where the gaps are
For more complex cases. Retirement planning or a comprehensive financial analysis takes considerably more work, so we offer it as a separate paid consultation. It isn't a prerequisite for working with us. How we're paid
Recommend, explain, and decide together.
Based on that review, we present our recommendations, explain the options, and help you make informed decisions.
Ezra is a licensed pension and insurance agent working with a broad range of Israel's leading insurance companies and investment houses. That means access to a wide selection of products, and the ability to compare them based on what you need.
You shouldn't feel you're being sold a product. Our role is to help you understand your options and decide what makes sense for you.
What we can compare for you
Pensions, Keren Hishtalmut and savings
- Pension funds
- Keren Hishtalmut
- Provident funds (Kupat Gemel), including Gemel L'Hashkaa
- Savings policies and investment tracks
Insurance
- Life insurance
- Private health insurance
- Disability and income protection
- Critical illness
Then we take care of the implementation.
Once we've agreed on a direction, we handle the practical side: applications, transfers, paperwork, coordination with providers, and making sure everything is properly set up.
We don't hand you recommendations and leave you to figure out the execution yourself.
What we handle
- Applications and forms
- Transfers between funds and providers
- The paperwork, with each provider, until it's done
- Checking that everything is properly set up, down to the first deposit
After a paid consultation, you're free to implement the recommendations on your own, with us, or elsewhere.
And we stay alongside you.
The relationship doesn't end when a product is purchased.
We remain the servicing agent on the products we arrange. That means reviewing your savings and pension arrangements with you as circumstances change, answering your questions, and being there when you need help.
When something happens, we help you actually use your cover.
Especially with private health insurance. We help you understand what your policy covers, navigate the claim, and deal with the insurer, so the policy does what it's there for.
- As life changesA new job, a new baby, going self-employed: we look at your savings and pension arrangements again with you.
- When you have a questionSomeone to ask who already knows your situation.
"I'm building a relationship-based business. I want clients who see me as a long-term financial partner: people whose careers, families, savings and financial needs will evolve over time, and who know they have someone to turn to along the way. I want to grow alongside my clients."
Clear from the start.
For our agency services
For finding, setting up and looking after your pensions and insurance, we're compensated by the providers, not through a separate fee charged to you.
For a paid consultation
Particularly complex or labor-intensive work, such as retirement planning or a comprehensive financial analysis, is a separate consultation, generally ₪1,800 + VAT. You're free to implement the recommendations on your own, with us, or elsewhere.
Plant, Grow, Protect, Gather: the thinking behind every plan.
Four stages of a financial life. We help with the pieces at each stage.
Step onePlant
Financial security begins with understanding and structure, not products.
Every strong financial future begins with a solid foundation. We start by understanding where you stand today — reviewing your existing pensions, insurance, savings, and investments to see how everything fits together.
From there, we establish the right savings structure, make the most of employer benefits and tax incentives, and set priorities that reflect your goals and circumstances.
Step twoGrow
The objective is not to maximize returns but to maximize the probability of achieving each client's life goals.
Once the foundation is in place, the focus shifts to growth. Time is one of the greatest financial assets any family possesses. Through disciplined investing, appropriate risk management, and the power of compound interest, wealth has the opportunity to grow steadily over decades.
Step threeProtect
Insurance exists to protect the financial plan, not to be the plan.
Every meaningful goal carries risk. A serious illness, disability, or the loss of a family member can undo years of careful planning if no protection exists. Private health insurance, life insurance, and disability coverage each play a different role, but they all serve the same purpose: allowing families to continue pursuing their goals even when life takes an unexpected turn.
Step fourGather
Making the most of what you've built.
Good financial planning isn't an end in itself. It's about having the resources and protection to live the life you want, both today and in the years ahead.
Whether that means accessing insurance benefits when you need them, enjoying a comfortable retirement, supporting your family, or passing something on to the next generation, the goal is to make your money work for the life you've built. Money exists to serve life.
Start with a short conversation