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Our Financial Services

A Smart 360° Framework for Stability and Security

The financial and insurance world is full of complexity, and that's exactly why we're here: to simplify the process, save you time and money, and provide you with personalized solutions that ensure true protection and financial security. With professionalism, reliability, and personal, down-to-earth service, we've become the preferred address for individuals and families looking for peace of mind and financial stability. Our approach is transparent and direct because good insurance and finance aren't just measured in the distant future; they provide certainty and security today.

Our Financial Services:
 A Smart 360° Framework for Stability and Security

A pension fund isn't just another saving; it's the most important investment for your future. The fund will provide you with a monthly stipend when you retire, and the choices you make today will determine your standard of living tomorrow. The stipend amount depends on the investment track you choose, the management fees, your contribution rate, and the fund's actuarial balance. Making the right decisions in real-time can increase your savings by hundreds of thousands of shekels and even create a gap of millions of shekels in retirement.

Why choose us?
We tailor your investment path to your needs and personal situation, ensure you get the most affordable management fees, and ensure that the actuarial balance works in your favor. With our professional guidance, our clients are able to save significant amounts and secure a higher retirement pension.

The Keren Hishtalmut is one of the most attractive and common savings channels in Israel, and for good reason. It offers a unique combination of medium-to-long-term savings with a significant capital gains tax exemption, making it a financial tool worth understanding and using wisely. Whether you're an employee or self-employed, properly managing your fund can make a big difference in the savings you accumulate. Proper planning can yield tens, and sometimes hundreds, of thousands of tax-free shekels.

Why choose us?
We personally and professionally guide you in choosing your education fund, tailor the investment path to your goals and needs, ensure full transparency, and maximize your savings. With our help, your education fund will work smarter – and yield you much more.

In Israel, there are three main types of pension plans: Kupat Gimmel, Keren Pensia, and Manager's Insurance (Bituach Menahalim). A Kupat Gimmel is a long-term pension savings tool, mainly intended for retirement. The funds accumulated can be used as a future monthly stipend or as a lump-sum withdrawal, depending on the saver's needs. These funds offer flexibility in investment management and provide significant tax benefits over the years.

Why choose us?
We tailor your investment path to your needs and personal situation, ensuring that you get the most affordable management fees. With our professional guidance, our clients are able to save significant amounts and secure a higher retirement pension. The right decisions made today can lead to a difference of hundreds of thousands of shekels – and even millions of shekels – at retirement age.

The Key to Your Apartment: Smart, Comprehensive Mortgage Consulting
Did you know? The average household loses tens of thousands, and sometimes hundreds of thousands, of shekels when taking a mortgage—all due to a lack of financial understanding. A mortgage is the biggest financial commitment of your life, and the choices you make today will define your future.

Negotiating with banks to obtain the best interest rates and conditions.

Full support throughout the bureaucratic and professional process, without pressure and without wasting time.

Why choose us?
First-time home buyers, home improvement projects, young couples, real estate investors, and anyone who wants to take out a new mortgage or refinance an existing one on optimal terms.

Our service provides personal, simple, and transparent mortgage consulting:

  • Building an optimal mortgage mix based on your needs and abilities.
  • Negotiating with the banks to get the best interest rates and terms.
  • Full support through the bureaucratic and professional process, without stress or wasted time.
  • Significant savings of tens or even hundreds of thousands of shekels over the life of the mortgage.
  • Precise, personal matching of the mortgage tracks to your repayment ability and future plans.
  • Effective negotiation with all the banks.
  • Close, professional guidance that saves time, bureaucracy, and stress.
  • Making an informed, confident decision about the biggest financial commitment of your life.

Financial Planning and Guidance Do you feel like money is slipping through your fingers? That you're working hard but not getting ahead financially? Worried about the cost of living or feel like you never get to rest? It's time to stop, take stock, and start taking control—not just of your money, but of your whole life.

Did you know that 8 out of 10 workers in Israel are eligible for a tax refund - and you are probably one of them? Don't leave your money on the floor. We identify credit points, deductions and errors that caused you to pay too much income tax, and submit a neat application to receive the money you are entitled to back, directly into your bank account. Expert tip: Changing jobs, giving birth to a child, private deposits to a pension or provident fund, or even completing an academic degree - all of these and more can earn you a significant tax refund. You can claim a refund up to 6 years back.

Why choose the Wohlfeld Group? Because we look at the whole picture. Our examination is not just technical; it is part of your overall financial understanding. Often, when reviewing tax returns, we find additional opportunities for savings and better planning for the future. It is a service that pays for itself, and in a big way.

The best time to invest was 20 years ago; the second-best time is now. An Investment Provident Fund (Kupat Gimmel l'Hashkaa) is a flexible savings tool that allows for smart investment with significant tax benefits.
The saver can choose the investment track that suits their desired risk level and make additional deposits at any time. A major advantage of this fund is the ability to withdraw the money at any stage, making it an accessible and convenient savings channel.

Your Path to Financial Freedom and Security Every one of us has goals, dreams, and ambitions whose fulfillment requires a solid financial foundation from buying an apartment and funding children's education to creating passive income and ensuring a comfortable financial future. Proper saving and investing are the keys to achieving these goals, but the path requires understanding, planning, and choosing the right channels for you. We're here to build a personalized savings and investment strategy with you, one that will maximize your money's potential and help you reach every goal, at every stage of life.

  • Why invest with us?
    Professional guidance is the key to maximizing returns. We make sure you choose the right investment track, check management fees, and advise you on how to fully leverage the fund's advantages, so your money works smarter for you for years to come.

Do you feel like money is slipping through your fingers? That you're working hard but not getting ahead financially? Worried about the cost of living or feel like you never get to rest? It's time to stop, take stock, and start taking control—not just of your money, but of your whole life.

  • Full control over your cash flow: We'll find out where every shekel is going, stop the money "leak," and build an active budget that serves your goals.
  • A complete review of all your insurance and investments: Comprehensive portfolio analysis, ensuring proper coverage, reducing redundancies, and improving your pension and study fund terms.
  • Asset & Debt Optimization: Mortgage and loan consulting designed to reduce your financial burden and dramatically cut your financing costs.
  • Your Personal Growth Plan: Building a smart savings and investment strategy focused on achieving your life goals (an apartment, education, financial freedom).
  • Maximizing Your Rights.
  • One Year of Guidance & Implementation: A monthly meeting to see your status and ensure the plan is being implemented, maintain strong habits, and handle any challenge that pops up.
  • The Result:
    Within a year, you'll go from running in place to full control, stability, and accelerated growth of your capital with supportive habits that will last a lifetime.

You've reached retirement after decades of hard work; it's time to reap the rewards. But it's crucial to know: poor retirement planning or a single wrong financial decision at this stage can cost you hundreds of thousands, and sometimes millions, of shekels.

  • Why is this important?
    Retirement planning is the process where we map all your pension assets—pension funds, manager's insurance, and provident funds—to build you a plan that ensures a stable monthly income for life. The critical part of this process is "Kibua Zchuyot" (tax-benefit optimization)—a smart tax-planning process with the tax authorities that determines how much tax you will pay (or not pay) on your pension stipend and on funds you wish to withdraw. This is a once-in-a-lifetime decision, and there's no going back.
  • Why choose in the Welfeld Group?
    Because retirement is a one-time event with no room for error. We don't just "fill out forms." As a family office, we look at your and your family's entire financial picture the inheritance you want to leave, your investments, and your personal goals. We will guide you personally, speak in simple and clear language, and turn this complex process into a calm experience that gives you complete peace of mind for decades to come?