Certified Financial Planner CFP · Haifa Dan Epstein
Your money in order.
Your mind at ease.
I bring your pension, savings and investments together into one plan, help you prepare for retirement and stay with you for years.
Certified Financial Planner (CFP) and licensed pension insurance agent. I bring your pension, savings and investments together into one plan, help you prepare for retirement and stay with you for years.
- L-00120350
- pension agent license
- 18+
- years of experience
- EN · HE · RU
- English, Hebrew, Russian
This is what most people’s money looks like.
A pension fund from a previous job, a forgotten provident fund, a policy nobody has checked in years. Every piece lives on its own, and no one sees the whole picture.
- 01 / 04
Your savings are scattered across several funds and policies.
- 02 / 04
You’re self-employed and want to save for retirement properly, with every tax benefit.
- 03 / 04
Retirement is getting closer, and you need to decide how and when to withdraw.
- 04 / 04
You have capital to invest and want something built for you, not an off-the-shelf product.
One plan.
Not a single product, but the whole picture: pension, savings, investments and protection, reviewed together.
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Pension, savings and tax
Reviewing and building long-term savings: tracks, fees, cover and tax benefits.
- Pension funds and managers’ insurance
- Study funds
- Provident and investment provident funds
- Savings policies
- Life and health insurance*
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Retirement planning
Planned together with an experienced retirement specialist: a personal retirement plan built around your needs and goals.
- Monthly pension or lump sum
- Tax at retirement
- Locking in rights and Form 161
- Amendment 190
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For high-net-worth clients
A separate service for significant private capital and qualified clients, usually above $1M.
- Managed portfolios*
- Hedge funds and alternatives*
- Banks in Europe and the US*
- Intergenerational transfer
* In partnership with leading professionals in the field
The whole market.
I work with a wide range of Israeli insurance companies and investment houses, including Phoenix, Harel, Migdal, Clal, Menora Mivtachim, Meitav, Altshuler Shaham and others, and I’m not tied to any of them. So we can compare several alternatives and choose what fits you.
Among the companies I work with
- The Phoenix Investment House (formerly Excellence)
- Harel
- Migdal
- Clal
- Menora Mivtachim
- Ayalon
- Hachshara
- Yelin Lapidot
- Meitav
- More
- Altshuler Shaham
- Analyst
- Infinity
- IBI
- Israelall the leading insurers and investment houses
- Western Europea separate service for capital above $1M
- United Statesa separate service for capital above $1M
Four steps.
No surprises. The introductory call is free. The full planning process is ₪350: preparation, a meeting and written recommendations.
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Introductory call
A short, free call: where you are today and what you want to achieve.
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Data and analysis
With your permission I gather the pension clearing house data and prepare first directions.
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Planning meeting
On Zoom or at the office in Haifa: we go through the whole picture together and refine your goals.
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Written recommendations
Within a few days: detailed recommendations by email or WhatsApp, with no obligation.
“The investment world needs a professional with a finger on the pulse, who knows when changes are needed.”
18 years in finance, investments and pension insurance. Independent since 2020.
- Certified Financial Planner CFP
- Licence L-00120350
- B.A. Economics & Management
About me
I have worked in finance for more than 18 years. A large part of that experience was in the banking system, as a senior investment consultant. Today I apply that knowledge and experience to independent financial and pension planning.
B.A. in Economics and Management. Since 2020 I have worked independently, as a Certified Financial Planner (CFP) and a pension insurance agent licensed by the Capital Market, Insurance and Savings Authority.
I work with private clients and the self-employed, looking at their finances as a whole and over the long term: not a single product, but the full picture.
- EducationB.A., Economics & Management
- BankingSenior investment consultant
- 2020Independent practice
- TodayCFP · License L-00120350
In good hands. · 6 reviews
I’m over 60 and have a lot of experience with investment managers, and I can say that Dan is one of the best. He knows how to match the right alternative to the client after comparing it with others.
Dan Epstein came to see me for the first time and explained the plans to me. He is a very serious person and made me trust him completely. At the start of every month he explains what my plan has done.
Available at any hour for any question or request, with an almost immediate answer. Always one step ahead, with courtesy and warmth alongside uncompromising professionalism.
This service frees me from second-guessing and worrying about my investments. I’m calm and I trust Dan’s decisions.
A true professional, honest, hard-working and very patient: he explains until he’s sure the client has understood.
Dan, thank you for the professional help and advice. I recommend him to anyone who still has doubts.
Reviews translated from Hebrew and Russian.
Questions
The questions I hear at almost every first meeting.
How much does it cost?
Introductory call — free.
Financial and pension planning meeting — ₪350, including preparing and analysing your data before the meeting and organised written recommendations after it.
If further services, implementation or ongoing support are needed, the options and costs are presented in advance, according to your needs and the scope of work.
How are your services paid for?
I’m an independent pension insurance agent and CFP financial planner, and I don’t work on behalf of any particular financial body. Depending on the type of service and product, payment may come directly from the client and/or through commissions from financial and insurance companies. How I’m paid is explained in advance and transparently.
How and where do we meet?
About 90% of meetings are on Zoom, so you can join from anywhere in Israel. If you prefer to meet in person, the office is in Haifa, a 5-minute walk from the Merkazit HaMifratz station. You’re welcome to come with your partner, in Hebrew, Russian or English. The meeting doesn’t commit you to anything.
What do I need to prepare?
Almost nothing. Once you give the permissions, I gather the data from the pension clearing house and, if needed, about your insurance and any other savings and investments you choose to share. If other documents are needed, I’ll ask for them in advance. A few days after the meeting you get your recommendations in writing.
Does my money stay in my name?
Yes. Your money stays in your name, in your own pension and financial products, and I never hold client funds. Moving between companies, funds or tracks happens only if the review shows it adds value for you, and only after an explanation and your approval. Pension savings are not moved abroad.
Is there a minimum amount?
No. Planning and recommendations suit employees and the self-employed just starting out, as well as people who haven’t built up significant savings yet.
Retiring soon — how does it work?
Retirement planning is done together with an experienced retirement specialist: we meet together, look at the whole picture and build a personal retirement plan — monthly pension or lump sum, tax at retirement, locking in rights, Form 161 and Amendment 190.
I’m self-employed. What does it include?
We review how your pension, study fund and other contributions are structured and whether you’re using the tax benefits. If needed, in coordination with your accountant.
Peace of mind starts with a conversation.
Message me on WhatsApp or call. The first introductory call is free, and we’ll look together at where you stand today.
054-624-7660 dan@dan-finance.org.il