Goldstein on Gelt
Business & Finance
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
Episodes
- Inheritance Problems with U.S. Brokerage Accounts in Israel
This episode of Goldstein on Gelt discusses the complexities of inheriting U.S. brokerage accounts with Transfer on Death (TOD) designations when the account holder resides in Israel. It explains how brokerage firms' internal policies and…
- The Right Way to Plan Gifting in Retirement
This episode discusses gifting strategies for retirees, particularly those with cross-border finances involving U.S. brokerage and IRA accounts while living in Israel. It emphasizes the importance of aligning generosity with long-term fina…
- Your Spouse Handled the Investments. Now What?
This episode discusses navigating inherited investment portfolios, particularly after the loss of a spouse. It emphasizes understanding risk, investment structure, and strategic planning over fear-driven decisions to maintain long-term ret…
- Plan Now So Your Family Doesn't Pay Later
This episode of Goldstein on Gelt discusses cross-border estate planning for Americans in Israel. It covers managing U.S. brokerage and IRA accounts, focusing on legal authority, beneficiary designations, and coordinating planning document…
- Why Your U.S. Brokerage Account Feels Different After Moving to Israel
This episode discusses how moving to Israel impacts U.S. brokerage and IRA accounts for American citizens. It covers compliance rules, documentation standards, and strategies for simplifying cross-border financial planning.
- The Hidden Paperwork That Can Delay Your Family's Inheritance by Months or Years
This episode discusses the complexities of inheriting US brokerage and retirement accounts for Americans living in Israel. It highlights how unfamiliarity with cross-border legal systems and documentation requirements can lead to significa…
- Trusted Contacts Explained: Why Brokers Need One When You Live Abroad
This episode of Goldstein on Gelt explains how communication issues like time zone differences and outdated information can cause U.S. brokerage account problems for Americans living abroad. It details the function of a trusted contact in…
- When your money stops making sense, stress takes over
This episode of Goldstein on Gelt discusses the financial stress Americans abroad experience with U.S. investments, even when accounts appear fine. It highlights how inaction can lead to misalignment and suggests reframing investments arou…
- Can you explain your investments with a crayon?
This episode of Goldstein on Gelt explains how to simplify U.S. investments for Americans living in Israel. It emphasizes understanding your assets, their performance drivers, and their suitability for a cross-border lifestyle to reduce an…
- Good: The One-Word Habit That Can Save Your Portfolio
This episode of Goldstein on Gelt discusses the 'good' mindset and the E + R = O formula (Event + Response = Outcome) to help investors navigate market volatility and financial stress. It emphasizes controlling responses, finding opportuni…
- The Real Reason Couples Clash Over Money
This episode of Goldstein on Gelt discusses how financial decisions are shaped by personal history and future vision, leading to clashes. It introduces the FinancialDate™ Discussion Cards as a tool to improve communication, align goals, an…
- Surviving a Bear Market-How to Stay Calm When the Stock Market Falls
This episode of Goldstein on Gelt explains what bear markets are, how emotional reactions can negatively impact investment returns, and strategies for maintaining stability during market volatility. Key takeaways include the temporary natu…
- What Fed Rate Cuts Mean for Americans in Israel
This episode of Goldstein on Gelt explains the effects of Federal Reserve rate cuts on U.S. investments and the dollar-shekel exchange rate for Americans living in Israel. It provides guidance on managing investment risk, maintaining emoti…
- Why Annuities Are a Problem for Americans Living in Israel
This episode explains why annuities, despite promising stability, can become a financial trap for Americans living in Israel due to complex rules, high fees, and cross-border tax implications. It explores alternative investment strategies…
- The Number One Skill Missing from Most Financial Plans
BatSheva Goldstein introduces FinancialDate™ Discussion Cards on Goldstein on Gelt, explaining how they help couples navigate financial conversations by addressing cultural baggage and emotional subtext, leading to better understanding and…
- 4 Retirement Mistakes That Could Ruin Your Golden Years (and How to Avoid Them)
This episode of Goldstein on Gelt discusses common retirement mistakes, including estate planning issues, financial support for children, Social Security timing, and scams. It offers strategies for cross-border families with U.S. accounts…
- The Retirement Money Mistake You Don't See Coming
This episode of Goldstein on Gelt discusses managing cross-border investments from Israel, offering strategies to turn cash windfalls into strategic moves and mitigate the fear of missing out. It covers using a 'fun money' account for new…
- The 10-Year Tax Clock: Your Financial Wake-Up Call
This episode of Goldstein on Gelt discusses Israel's 10-year tax holiday for olim, warning that U.S. brokerage and IRA accounts become subject to Israeli taxes after the exemption ends. It advises proactive planning to avoid double taxatio…
- Aliya and Retirement: Smart Moves for Your U.S. Accounts
This episode discusses how to manage U.S. accounts from Israel, covering time zones, taxes, and account restrictions. It provides strategies to simplify retirement accounts, avoid unexpected costs, and maintain organized finances while liv…
- Why Money Feels Scarier After Moving to Israel
This episode of Goldstein on Gelt discusses how moving to Israel can amplify money-related anxiety, even for those with U.S. accounts. It explores how self-awareness, habits, and goals can transform financial anxiety into confidence by add…
- Before Touching That U.S. Trust, Listen to This
This episode of Goldstein on Gelt addresses the challenges of inheriting U.S. assets while living in Israel. It offers guidance on managing cross-border rules, consolidating accounts, and making a step-by-step plan to ensure the inheritanc…
- Money Fights on Repeat? Here's How to Finally Have a Different Conversation
This episode of Goldstein on Gelt discusses the emotional aspects of money fights, exploring how childhood influences and hidden money scripts impact financial decisions. Guest host BatSheva Goldstein and financial therapist Elana Feinsmit…
- Leaving U.S. Accounts to Heirs in Israel the Right Way
This episode discusses how individuals with U.S. brokerage or IRA accounts and heirs in Israel can manage inheritance plans. It covers navigating cross-border taxes and family dynamics, emphasizing the importance of open conversations and…
- Living in Israel with U.S. Accounts? Listen to This Before It's Too Late
Americans living in Israel with U.S. brokerage accounts face potential risks like account closures and tax complications. This episode discusses cross-border financial planning, estate challenges, and strategies to manage these risks effec…
- Could Your Spouse Access Your Money in a Crisis?
This episode of Goldstein on Gelt discusses financial preparedness for Americans living in Israel during a health crisis. It covers the importance of power of attorney, emergency funds, and regular review of estate documents to prevent fro…
- How to Avoid Running Out of Money in Retirement
This episode of Goldstein on Gelt addresses retirement income planning for US expats in Israel, focusing on simplifying strategies to create a reliable income stream and overcome the fear of overspending.
- Love, Marriage… and a U.S. Brokerage Account
This episode of Goldstein on Gelt features Aleeza Ben Shalom discussing financial intimacy in relationships. It covers how to talk about money without damaging romance, the importance of generosity and risk tolerance, and financial plannin…
- How to File Taxes Right When You Live in Israel but Invest in America
This episode of Goldstein on Gelt, featuring Aryeh Holtz, CPA, explains how Israelis investing in America can avoid double taxation and filing errors. Key advice includes understanding taxing rights, choosing the right accountant, and fili…
- Cross-Border Investing Begins with Cross-Person Listening
This episode discusses how active listening and storytelling, with guest Mishy Harman, can improve financial goal setting and decision-making. It highlights the importance of understanding personal narratives in financial planning and coup…
- Don't Buy a Home in Israel Until You Listen to This
Doug Goldstein and Debbie Goldfischer, CEO of Buyitinisrael.com, discuss the complexities of the Israeli real estate market for English-speaking buyers. They cover the differences between buying off-plan and second-hand homes, including po…
- The Estate Planning Trap for Americans in Israel
This episode of Goldstein on Gelt discusses the estate planning challenges faced by Americans residing in Israel. It highlights potential legal issues with U.S. documents in Israel and offers advice on coordinating financial and legal team…
- From Chaos to Clarity: Mastering U.S.-Israel Finances
This episode of Goldstein on Gelt addresses the challenges of managing finances between the U.S. and Israel. It provides strategies for creating financial clarity, establishing a regular financial rhythm, and building resilience to handle…
- Are You Taking Too Much Risk with Your U.S. Investments?
This episode of Goldstein on Gelt explores the risks associated with managing U.S. investment accounts from Israel. It highlights the dangers of relying on market fluctuations or single investments, and stresses the importance of a solid s…
- Tired of Filing Two Tax Returns in Israel?
This episode discusses the complexities of US citizenship-based taxation for Americans living abroad, particularly in Israel. It highlights issues with foreign investments and pensions, and explores the potential shift to residence-based t…
- When Life Happens, Will Your Money Be There?
This episode of Goldstein on Gelt discusses the importance of liquidity in retirement, explaining what it is and why accessible funds are crucial. It covers strategies for ensuring your money is available when needed, regardless of your lo…
- Retiring in Israel? Don't Ignore Your IRA
This episode of Goldstein on Gelt explains how individuals living in Israel can manage their U.S. IRA accounts. It covers topics such as tax-deferred growth, accessing funds without penalties, and understanding Required Minimum Distributio…
- Saving Money 101: Stop Wasting and Start Building Wealth
This episode explains why saving money can feel difficult and offers strategies to make it easier. It highlights the importance of an emergency fund for unexpected expenses, suggesting saving three to six months of expenses depending on in…
- Financial Survival for New Olim: The Cross-Border Strategy
New immigrants (Olim) to Israel can face challenges with their U.S. financial accounts. This episode discusses preparation strategies, including maintaining accessible funds, keeping investments on track, and working with cross-border fina…
- Financial Intimacy: The Key to Success
This episode of Goldstein on Gelt explores how financial intimacy can strengthen relationships by fostering trust and aligning goals. It offers practical advice on improving money conversations, suggesting
- How U.S. Expats Can Avoid the Top Mortgage Mistakes in Israel
This episode of Goldstein on Gelt discusses the unique challenges U.S. expats face when obtaining a mortgage in Israel. It highlights that Israeli lenders prioritize cash flow over net worth and explains how appraisals and loan-to-value ra…
- Invest Smarter While Living Abroad: Cracking the Code of Economic Moats
This episode of Goldstein on Gelt explains economic moats, the unique advantages businesses possess to outperform competitors and maintain profits. It provides insights for identifying strong, long-term companies and offers strategies for…
- The Simple Strategy That Beats Market Timing Every Time
This episode explains that trying to time the market and frequent trading often leads to losses, while a simple, steady investment approach combined with the power of compounding can build wealth effectively. It highlights the importance o…
- Don't Miss the Next Big Financial Breakthrough
This episode of Goldstein on Gelt discusses how to prepare for rare, significant financial opportunities known as "tail events." It covers the importance of diversification, patience, and automation to manage risk and build wealth effectiv…
- What Happens to Your U.S. Retirement Accounts After Aliya?
This episode of Goldstein on Gelt features accountant Yaacov Jacob discussing the tax implications of U.S. retirement accounts, like IRAs, for Americans living in Israel after making Aliya. Key topics include the differences between tradit…
- The Real Reason Americans in Israel Make Costly Investment Mistakes
This episode of Goldstein on Gelt discusses common investment biases, such as recency bias and emotional investing, that affect Americans in Israel. It offers strategies to manage market noise, create a solid investment plan, and make clea…
- How U.S. Expats in Israel Can Minimize Tax and Maximize Impact
This episode of Goldstein on Gelt discusses financial strategies for U.S. expats living in Israel, focusing on managing U.S. investments, minimizing taxes, and utilizing diversification and charitable contributions for financial growth and…
- High Risk, High Reward: Why Smart Investors Look Beyond the Numbers
This episode of Goldstein on Gelt explores how emotional attachment to stocks can hinder financial planning. It emphasizes the importance of diversification and making informed decisions to achieve financial goals and invest with confidenc…
- What You Need to Know in 2025: RMDs for U.S. Citizens in Israel
This episode of Goldstein on Gelt explains Required Minimum Distributions (RMDs) for U.S. citizens residing in Israel, covering what they are, how to avoid penalties, and strategies for managing both personal and inherited IRAs.
- The #1 Mistake Americans in Israel Make with Their U.S. Accounts
This episode of Goldstein on Gelt discusses common mistakes Americans in Israel make with their U.S. accounts, emphasizing asset allocation, diversification, and liquidity to build a stable investment portfolio.
- Financial Stability for Your Golden Years
This episode of Goldstein on Gelt explores retirement planning, offering insights on creating a secure and exciting strategy. It covers transitioning from saving to spending and establishing income streams for long-term financial stability…