Israeli Retirement Tax Planning — Done Right

Ilanit Ganima, licensed Israeli tax advisor (license #45633) with 20+ years of experience. I help retirees, US citizens in Israel, returning residents, and people approaching retirement maximize their pension exemption (Section 9א), file Form 161D correctly, and recover up to 6 years of overpaid tax retroactively. First consultation is always free.

License 45633 20+ years experience Nationwide service 9.93/10 (Midrag)

Services

Pension Rights Fixation (Kibua Zchuyot)

Maximize the 57% tax exemption on your monthly pension in 2026 (rising to 67% by 2028). One-time Form 161D filing for life.

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Tax Refunds (Up to 6 Years Back)

Comprehensive retroactive review for retirees, employees, and self-employed. Many discover refunds they never knew they were entitled to.

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Section 190 Strategy (Tikun 190)

For ages 60+: deposit funds into a provident fund for a tax-free monthly pension. Often saves hundreds of thousands of shekels.

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US Citizens Living in Israel

Specialized planning for the dual-tax system. Handles IRS Form 1116, FBAR/Form 8938, Israeli pension reporting, FTC optimization.

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Returning Residents (Toshav Chozer Vatik)

10-year tax exemption on foreign income for those who lived abroad 10+ years. Includes US Social Security, IRA, 401(k).

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Form 161D Audit & Correction

If you filed Form 161D years ago at the old 52% exemption, you may be eligible to refile at the current 57% rate. Significant lifetime savings.

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Why Ilanit Ganima?

Special focus: US-Israel dual taxpayers

Holding Israeli pension assets while being subject to US tax obligations creates complex planning challenges. I work alongside US-licensed CPAs to deliver comprehensive solutions covering both jurisdictions.

Common issues addressed: PFIC reporting on Israeli mutual funds, Keren Hishtalmut tax in the US, Form 8938 + FBAR compliance, Tikun 190 vs Roth IRA decisions, Foreign Tax Credit optimization.

Contact

📞 Phone: +972-52-827-1191
💬 WhatsApp: Click to message
📧 Email: ilanitganima@gmail.com
📍 Office: 5 Rothschild St., Hadera, Israel
🕐 Hours: Sunday-Thursday, 10:00-19:00 IDT (Jerusalem time)

Note: All in-depth content on this site is in Hebrew. For consultations, I'm fluent in Hebrew and English. Please reach out via WhatsApp or email — I'll respond in your preferred language.