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
Publisher
Douglas Goldstein | CFP® | Profile Investment Services
What to Do When Your Portfolio Is Complicated but Not Protected
U.S. brokerage and IRA accounts are spread across multiple funds, managers, and financial institutions. But having more investments does not necessarily mean you have better diversification. A portfolio can look sophisticated while still containing overlapping holdings, concentrated risk, unnecessary fees, and investments that do not work well together. Understanding what you own, why you own it, and how each piece fits into your overall investment strategy can help you build a portfolio that is easier to manage and better aligned with your financial goals.
For Americans living in Israel, portfolio complexity can also create cross-border tax issues and make financial decisions more difficult for your family. Certain U.S. investments may create additional reporting requirements or unexpected tax consequences under U.S. and Israeli rules. A well-organized portfolio should provide genuine diversification while remaining clear enough for you and your family to understand. Simplifying your investments can make it easier to identify risk, coordinate your U.S. brokerage and IRA accounts, and make informed financial decisions across borders.
Key Takeaways
Review your real diversification. Look across all of your accounts to determine whether your investments provide different types of exposure or simply overlap.
Understand every part of your portfolio. Know what you own, why you own it, and how each investment contributes to your overall strategy.
Consider cross-border tax consequences. Make sure your investments are appropriate for an American living in Israel and review complex structures with the relevant professionals.
Make your finances easier for your family to manage. Organize your portfolio so your spouse or family could understand the strategy and accounts if they needed to take over.
Schedule your free introductory call to see if we're a good fit: https://profile-financial.com/call (https://profile-financial.com/call)
19 Aug 2026
How Do You Know When You Have Enough to Spend?
Retirement spending can feel risky, even when your savings, income, and investments suggest that you are financially secure. After decades of careful saving, many retirees struggle to use money from their U.S. brokerage accounts, IRAs, and Israeli savings because they remain focused on uncertainty and the possibility of running out.
A clear retirement plan can help separate responsible caution from unnecessary fear. Reviewing your assets, income, expenses, and accessible reserves can show whether your money can support meaningful spending without threatening your long-term financial security.
Review your complete financial picture, including U.S. and Israeli accounts.
Distinguish genuine financial risk from a long-standing fear of spending.
Consider the cost of postponing important decisions and experiences.
Set aside money specifically for planned, meaningful retirement spending.
Schedule your free introductory call to see if we're a good fit: https://profile-financial.com/call (https://profile-financial.com/call)
5 Aug 2026
How to Know If You Should Hold or Sell an Inherited Bond
Inherited bonds and U.S. brokerage accounts can create confusion for Americans living in Israel, especially when the portfolio includes municipal bonds, callable bonds, long maturity dates, or positions that have dropped in market value.
A bond may look "safe," but that does not always mean it still fits your retirement plan, cash-flow needs, tax situation, or cross-border financial reality.
Understanding what you own is the first step toward making better investment decisions. This episode explains why bond prices move when interest rates change, what callable bonds can mean for investors, how tax-loss harvesting may help in certain situations, and why concentration risk should not be ignored. For Americans in Israel managing U.S. brokerage and IRA accounts, a portfolio review can help determine whether inherited investments still support the life and goals you have today.
Key Takeaways and Action Points:
Review inherited bonds to understand face value, market value, maturity dates, and callable features.
Do not assume municipal bonds are automatically tax-efficient when you live in Israel.
Consider whether selling at a loss may create tax-planning opportunities.
Look at the entire portfolio, including individual stocks, bonds, and concentration risk, before deciding what to keep or sell.
Schedule your free introductory call to see if we're a good fit: https://profile-financial.com/call (https://profile-financial.com/call)
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