Goldstein on Gelt

Hosted by Douglas Goldstein | CFP® | Profile Investment Services

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623

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Aug 2026

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About the show

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

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60 recent

August 19, 2026Episode 62415 min

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. Sschedule your free introductory call to see if we're a good fit: https://profile-financial.com/call

August 5, 2026Episode 62315 min

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

July 16, 2026Episode 62214 min

What Happens to Your Accounts When You Can't Manage Them?

U.S. brokerage and IRA account access can become a serious problem for Americans living in Israel if the right legal documents are not in place. A will, shared password, or joint bank account may not give your family the authority to manage your finances during a medical emergency or period of incapacity. Cross-border financial planning should include clear account access, a durable financial power of attorney, healthcare decision-making documents, and coordination between U.S. and Israeli systems. When your family knows who is responsible, where the documents are kept, and which professionals to contact, they are better prepared to act quickly and avoid unnecessary conflict. Key Takeaways and Action Points Make sure someone you trust has legal authority to manage your accounts if you cannot. Do not assume a joint account, password, or will covers your full financial life. Coordinate your U.S. and Israeli documents if you have accounts in both countries. Tell your family where key documents are kept and who should be contacted first. Schedule your free introductory call to see if we're a good fit: https://profile-financial.com/call

July 8, 2026Episode 62115 min

The Smart Way to Invest a Lump Sum You Don't Need Yet

Lump sum investing can feel like a smart next step when extra cash is sitting in a money market fund or savings account. But before choosing dividend stocks, bonds, growth funds, crypto, or any other investment, the real question is: What is this money for? A strong investment strategy starts with purpose, timeline, and risk, not with whatever investment is getting attention right now. When money doesn't have a clear goal, it's easy to build a portfolio around scattered ideas instead of a financial plan. Matching each pool of money to a realistic timeline can help you decide whether you need safety, income, long-term growth, or diversification. For Americans in Israel with U.S. brokerage and IRA accounts, that kind of goal-based investing can make it easier to avoid unnecessary risk, tax surprises, and trend-driven decisions. Key Takeaways and Action Points Start with the goal. Define what each pool of money is meant to support before choosing investments. Use your timeline to guide the strategy. Money needed soon should usually be handled differently from money meant for long-term growth. Don't chase income you don't need. Dividend strategies can be useful, but they should fit your actual cash-flow needs and tax situation. Avoid trend-driven investing. Diversification can help keep your portfolio aligned with your goals instead of the latest market headlines. Read the full blog post here: https://goldsteinongelt.com/investing-basics-strategies/smart-way-to-invest-a-lump-sum

June 24, 2026Episode 62014 min

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

June 10, 2026Episode 61915 min

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

June 3, 2026Episode 61816 min

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

May 6, 2026Episode 61719 min

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

April 29, 2026Episode 61611 min

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

April 15, 2026Episode 61515 min

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 .