Legacy and Estate planning

Legacy & Estate Planning   Your legacy is more than just the assets you leave behind — it’s the values, security, and care you provide for the people and causes that matter most. At Rubin Legacy Financial, we help you create a thoughtful, customized plan to ensure your wealth is protected, your wishes are honored, and your loved ones are supported — across generations and borders. Legacy planning can feel overwhelming, especially when it involves multiple countries, legal systems, and family dynamics. We guide you through it with clarity and compassion, helping you make decisions about wills, trusts, inheritance, gifting strategies, and cross-border estate taxes. For dual U.S.-Israeli citizens in particular, we help you avoid pitfalls and structure things the right way — so you can feel confident everything is being handled properly. Our approach is personal and precise. We take the time to understand your family structure, your values, and your vision for the future. Whether you’re planning for your children, supporting aging parents, or giving to charity, we work with you to create a legacy plan that reflects what matters most to you — while minimizing tax burdens and legal complications. Your legacy deserves more than a template. It deserves care, clarity, and a strategy you can trust. What Can We Do for You? You might be wondering what financial planning really means in practice. Here are the key areas we work on — all tailored to your needs.* Cash Flow & Budgeting Equity Compensation & Investments Retirement Planning Cross-Border Coordination Goal-Based Planning Expatriation & Exit Tax Planning Good planning starts with understanding your numbers. We’ll help you get organized, track spending and savings, and align your income and expenses with your short- and long-term goals. Whether you’re navigating RSUs, ESPPs or Stock Options, we’ll help you make informed decisions — balancing tax efficiency, diversification, and long-term growth to turn your hard work into lasting wealth. Planning for retirement isn’t just about saving — it’s about knowing how much you’ll need, when to draw from each account, and how to manage risk and taxes over time. We help you model different retirement paths and create a strategy that supports the life you want to live. Managing finances as a U.S.-Israel dual citizen comes with complexity — but it doesn’t have to be overwhelming. We bring together your Israeli and U.S. financial lives into one integrated plan that respects both systems and helps you stay compliant. Your financial plan should reflect the life you want to build — whether that means buying a home, traveling more, or achieving financial independence. We help you define and fund your goals with confidence and intention. Renouncing U.S. citizenship or green card status comes with complex financial and tax consequences — including the potential for an exit tax. We help you understand the rules, plan proactively, and minimize tax exposure so you can move forward with clarity and control. Good planning starts with understanding your numbers. We’ll help you get organized, track spending and savings, and align your income and expenses with your short- and long-term goals. Whether you’re navigating RSUs, ESPPs or Stock Options, we’ll help you make informed decisions — balancing tax efficiency, diversification, and long-term growth to turn your hard work into lasting wealth. Planning for retirement isn’t just about saving — it’s about knowing how much you’ll need, when to draw from each account, and how to manage risk and taxes over time. We help you model different retirement paths and create a strategy that supports the life you want to live. Managing finances as a U.S.-Israel dual citizen comes with complexity — but it doesn’t have to be overwhelming. We bring together your Israeli and U.S. financial lives into one integrated plan that respects both systems and helps you stay compliant. Your financial plan should reflect the life you want to build — whether that means buying a home, traveling more, or achieving financial independence. We help you define and fund your goals with confidence and intention. Renouncing U.S. citizenship or green card status comes with complex financial and tax consequences — including the potential for an exit tax. We help you understand the rules, plan proactively, and minimize tax exposure so you can move forward with clarity and control. Clarity Begins with a Conversation Reach out today — I’ll walk you through the next steps, answer your questions, and help you move forward with confidence. Schedule a Call

Tax Planning & Compliance

Tax Planning & Compliance Taxes shouldn’t be overwhelming — especially when you have a clear strategy, reliable support, and someone who knows how to navigate both sides of the system. At Rubin Legacy Financial, we specialize in U.S. tax planning and compliance for individuals and families living in Israel. Whether you’re managing investments, coordinating retirement accounts, dealing with foreign income, or trying to make sense of reporting requirements like PFICs and Form 5471 — we’ve got you covered. We also provide expert guidance on equity compensation, including RSUs, ESPPs, and stock options, so you can make informed decisions and avoid tax pitfalls. Our approach is more than just filing. We proactively look for ways to reduce your tax burden, avoid costly mistakes, and align your tax decisions with your long-term financial goals. We don’t believe in surprises — just smart strategy, year-round guidance, and full peace of mind. Because when your taxes are in order, your entire financial life runs smoother. What We Offer From compliance to strategy, we provide a full range of U.S. tax services for individuals, business owners, and families living in Israel. Explore the areas below to learn how we can help. Tax Filing & Foreign Income Compliance Passive Foreign Investments (PFICs) Foreign Corporation Reporting Requirements (Form 5471) Corporate Taxation (U.S. Entities) Equity Compensation (RSUs, ESPPs, Stock Options) Transfer Certificates & U.S. Estate Tax Filings Expatriation & Exit Tax Planning Cross-Border Tax Strategy & Ongoing Support We handle full U.S. tax return preparation for individuals and families living in Israel, ensuring you’re fully compliant with IRS requirements — even across borders. From Forms 1040, 1116, and 2555 to FBAR (FinCEN 114) and FATCA (Form 8938), we make sure foreign income, bank accounts, and pensions are properly reported. Our goal is to keep things smooth, accurate, and stress-free — with no surprises from the IRS. If you hold Israeli mutual funds, ETFs, or investment accounts, there’s a good chance you’re subject to PFIC rules — some of the most complex and punitive areas of the U.S. tax code. We help identify PFIC exposure, prepare Form 8621 accurately, and guide you through election strategies such as Mark-to-Market (Section 1296) or QEF to reduce long-term tax costs. Don’t let hidden reporting obligations derail your financial plan. U.S. citizens who own Israeli businesses are often surprised to learn they must file Form 5471 — an extensive IRS disclosure with serious penalties for mistakes or omissions. We help business owners and shareholders navigate Subpart F income, GILTI, attribution rules, and entity structure questions to ensure accurate reporting and optimal tax outcomes. Whether you’re operating a U.S. LLC, C Corporation, or S Corporation from abroad, we help ensure your business is tax-efficient and compliant. From corporate tax filings to S Corp elections and entity-level planning, we manage the technical details so you can focus on running your business. We also advise on structure and strategy to keep your U.S. operations aligned with your broader financial goals. Equity compensation can be a powerful wealth-building tool — but without proper tax planning, it can also lead to unexpected headaches. We help you understand the U.S. and Israeli tax implications of RSUs, ESPPs, stock options, and sales, and create a personalized strategy for exercising, selling, and reporting. Whether you’re at a fast-growing startup or a more established tech company in Israel, we’ll help you make smart, tax-efficient decisions at every stage. When a U.S. person passes away with U.S.-based assets — like brokerage or retirement accounts — a transfer certificate from the IRS is often required before those assets can be released. We prepare the full package of documentation needed to request the certificate, including Form 706 when required. We also coordinate with heirs and Israeli probate materials to ensure nothing gets missed. Our goal is to make a sensitive process as clear, efficient, and stress-free as possible. Renouncing U.S. citizenship or a green card can bring peace of mind — but it also triggers complex tax rules, including the potential for a U.S. exit tax. We guide you through every step of the process, from timing and asset reporting to Form 8854 preparation and pre-expatriation planning. Whether you’re planning years in advance or already ready to renounce, we’ll help you minimize tax exposure and make the transition as smooth as possible. Tax planning doesn’t end with a filed return — especially when you’re managing financial life across two countries. We offer year-round support and strategic guidance tailored to U.S. citizens living in Israel, helping you align investment decisions, business activity, and retirement planning with long-term tax efficiency. Whether it’s a one-time question or an evolving situation, we’re here to help you stay ahead — and stay compliant. We handle full U.S. tax return preparation for individuals and families living in Israel, ensuring you’re fully compliant with IRS requirements — even across borders. From Forms 1040, 1116, and 2555 to FBAR (FinCEN 114) and FATCA (Form 8938), we make sure foreign income, bank accounts, and pensions are properly reported. Our goal is to keep things smooth, accurate, and stress-free — with no surprises from the IRS. If you hold Israeli mutual funds, ETFs, or investment accounts, there’s a good chance you’re subject to PFIC rules — some of the most complex and punitive areas of the U.S. tax code. We help identify PFIC exposure, prepare Form 8621 accurately, and guide you through election strategies such as Mark-to-Market (Section 1296) or QEF to reduce long-term tax costs. Don’t let hidden reporting obligations derail your financial plan. U.S. citizens who own Israeli businesses are often surprised to learn they must file Form 5471 — an extensive IRS disclosure with serious penalties for mistakes or omissions. We help business owners and shareholders navigate Subpart F income, GILTI, attribution rules, and entity structure questions to ensure accurate reporting and optimal tax outcomes.Whether you’re operating a U.S. LLC, C Corporation, or S Corporation from abroad, we help ensure your business is tax-efficient and compliant. From corporate tax filings to

Financial Planning

Financial Planning   A strong financial plan brings confidence, direction, and peace of mind — especially when it’s grounded in real life, not just numbers on a page. At Rubin Legacy Financial, financial planning is never one-size-fits-all. We start by getting to know you: your goals, values, lifestyle, and concerns. From there, we develop a personalized plan that’s both strategic and practical — something you can actually follow and adjust as life evolves. Whether you’re planning for retirement, managing equity compensation, navigating the complexities of the Israeli financial system, or dealing with the added considerations that come with U.S.-Israel dual citizenship — we bring structure and simplicity to the process. Our goal is to help you make smart financial decisions today that set you up for a secure and meaningful future. Every plan includes clear action steps, realistic projections, and flexible strategies — so you’re not just dreaming about financial success, you’re moving toward it with purpose. We specialize in helping U.S. citizens living in Israel coordinate their U.S. and Israeli investments, retirement accounts, and tax strategies into one cohesive financial plan. See the Big Picture We help you understand where you stand financially — and where you’re headed — so you can make confident decisions with less stress. Planning You Can Follow Your plan isn’t just theoretical. It’s practical, personalized, and built to adapt as life evolves — so you can stay on track without feeling overwhelmed. Planning That Stays on Track We don’t just hand you a plan — we stay involved, helping you adjust, follow through, and make sure your financial goals become reality. See the Big Picture We help you understand where you stand financially — and where you’re headed — so you can make confident decisions with less stress. Planning You Can Follow Your plan isn’t just theoretical. It’s practical, personalized, and built to adapt as life evolves — so you can stay on track without feeling overwhelmed. Planning That Stays on Track We don’t just hand you a plan — we stay involved, helping you adjust, follow through, and make sure your financial goals become reality. What We Can Do For You You might be wondering what financial planning really means in practice. Here are the key areas we work on — all tailored to your needs. Cash Flow & Budgeting Equity Compensation & Investments Retirement Planning Cross-Border Coordination Goal-Based Planning Expatriation & Exit Tax Planning Good planning starts with understanding your numbers. We’ll help you get organized, track spending and savings, and align your income and expenses with your short- and long-term goals. Whether you’re navigating RSUs, ESPPs or Stock Options, we’ll help you make informed decisions — balancing tax efficiency, diversification, and long-term growth to turn your hard work into lasting wealth. Planning for retirement isn’t just about saving — it’s about knowing how much you’ll need, when to draw from each account, and how to manage risk and taxes over time. We help you model different retirement paths and create a strategy that supports the life you want to live. Managing finances as a U.S.-Israel dual citizen comes with complexity — but it doesn’t have to be overwhelming. We bring together your Israeli and U.S. financial lives into one integrated plan that respects both systems and helps you stay compliant. Your financial plan should reflect the life you want to build — whether that means buying a home, traveling more, or achieving financial independence. We help you define and fund your goals with confidence and intention. Renouncing U.S. citizenship or green card status comes with complex financial and tax consequences — including the potential for an exit tax. We help you understand the rules, plan proactively, and minimize tax exposure so you can move forward with clarity and control. Good planning starts with understanding your numbers. We’ll help you get organized, track spending and savings, and align your income and expenses with your short- and long-term goals. Whether you’re navigating RSUs, ESPPs or Stock Options, we’ll help you make informed decisions — balancing tax efficiency, diversification, and long-term growth to turn your hard work into lasting wealth. Planning for retirement isn’t just about saving — it’s about knowing how much you’ll need, when to draw from each account, and how to manage risk and taxes over time. We help you model different retirement paths and create a strategy that supports the life you want to live. Managing finances as a U.S.-Israel dual citizen comes with complexity — but it doesn’t have to be overwhelming. We bring together your Israeli and U.S. financial lives into one integrated plan that respects both systems and helps you stay compliant. Your financial plan should reflect the life you want to build — whether that means buying a home, traveling more, or achieving financial independence. We help you define and fund your goals with confidence and intention. Renouncing U.S. citizenship or green card status comes with complex financial and tax consequences — including the potential for an exit tax. We help you understand the rules, plan proactively, and minimize tax exposure so you can move forward with clarity and control. Clarity Begins with a Conversation Reach out today — I’ll walk you through the next steps, answer your questions, and help you move forward with confidence. Schedule a Call