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אספר לכם סיפור אמיתי על גרשון ועתידה זוג בני 65/67 שהחליטו להתגרש, אחרי 40 שנות נשואים:

ש ו ל זוג בני 65/67 שהחליטו להתגרש, אחרי 40 שנות נשואים.

הוא – שכיר בעל שליטה בחברה של עצמו, חברה רווחית עם הכנסות גבוהות.

היא – מורה ומרצה מוערכת , משתכרת לא רע, בערך חצי ממנו.

בתוך הליך הגירושין, יש המון כאבים סביב הנושאים הכספיים.

הזוג מבקש לחלק באופן שווה את הרכוש הכלכלי שצברו יחד בשנות הנישואים המשותפות:

  • תוכניות פנסיוניות – פנסיה , ביטוחי מנהלים, קופות גמל
  • קרנות השתלמות
  • חסכונות פרטיים
  • חסכנות הילדים
  • ביטוחים","@type":"Answer"}},{"name":"איך תמשיכו לעבוד ותקבלו קצבת פנסיה פטורה ממס?","@type":"Question","acceptedAnswer":{"text":"

    אמחיש דרך דוגמא אמיתית, לקוח יקר שלי:

    א' בן 68 עובד ומשתכר 14,000 ₪ ברוטו / 11,000 נטו ,

    תוכניות פנסיוניות – 600,000 ₪ מפוזרים ב 3 תוכניות עם דמי ניהול גבוהים.

    בת הזוג – לא עובדת, אין לה פנסיה.

    מה עשיתי איתו?

    ריכזתי את כל התוכניות הפנסיוניות שלו בגוף אחד.<","@type":"Answer"}},{"name":"האם כדאי להוסיף נספח התפתחות הילד לביטוח הבריאות?","@type":"Question","acceptedAnswer":{"text":"

    ראשית ההסבר, מה היתרון בנספח התפתחות הילד?

    הנספח הזה למעשה נותן מימון לסל רחב של טיפולים בילדים, לדוגמא:

    • כיסוי למרפאות חירום, הדרכת הורים, ייעוץ לתזונה נכונה על ידי דיאטנ/ית
    • אבחון דידקטי, פסיכו-דידקטי
    • אבחון בעיות קשב
    • פיתוח כישורים התפתחותיים: רכ","@type":"Answer"}}]}],"@context":"https://schema.org"},"created_at":"2026-05-15T21:33:43.920401+00:00","updated_at":"2026-07-01T23:58:47.963+00:00","faq":[{"answer":"

      אספר לכם סיפור אמיתי על גרשון ועתידה זוג בני 65/67 שהחליטו להתגרש, אחרי 40 שנות נשואים:

      ש ו ל זוג בני 65/67 שהחליטו להתגרש, אחרי 40 שנות נשואים.

      הוא – שכיר בעל שליטה בחברה של עצמו, חברה רווחית עם הכנסות גבוהות.

      היא – מורה ומרצה מוערכת , משתכרת לא רע, בערך חצי ממנו.

      בתוך הליך הגירושין, יש המון כאבים סביב הנושאים הכספיים.

      הזוג מבקש לחלק באופן שווה את הרכוש הכלכלי שצברו יחד בשנות הנישואים המשותפות:

      • תוכניות פנסיוניות – פנסיה , ביטוחי מנהלים, קופות גמל
      • קרנות השתלמות
      • חסכונות פרטיים
      • חסכנות הילדים
      • ביטוחים","category":"services","question":"מה כולל השירות איזון משאבים בגירושין?"},{"answer":"

        אמחיש דרך דוגמא אמיתית, לקוח יקר שלי:

        א' בן 68 עובד ומשתכר 14,000 ₪ ברוטו / 11,000 נטו ,

        תוכניות פנסיוניות – 600,000 ₪ מפוזרים ב 3 תוכניות עם דמי ניהול גבוהים.

        בת הזוג – לא עובדת, אין לה פנסיה.

        מה עשיתי איתו?

        ריכזתי את כל התוכניות הפנסיוניות שלו בגוף אחד.<","category":"general","question":"איך תמשיכו לעבוד ותקבלו קצבת פנסיה פטורה ממס?"},{"answer":"

        ראשית ההסבר, מה היתרון בנספח התפתחות הילד?

        הנספח הזה למעשה נותן מימון לסל רחב של טיפולים בילדים, לדוגמא:

        • כיסוי למרפאות חירום, הדרכת הורים, ייעוץ לתזונה נכונה על ידי דיאטנ/ית
        • אבחון דידקטי, פסיכו-דידקטי
        • אבחון בעיות קשב
        • פיתוח כישורים התפתחותיים: רכ","category":"general","question":"האם כדאי להוסיף נספח התפתחות הילד לביטוח הבריאות?"}],"country":"Israel","og_image_url":"https://michalcohen-finance.co.il/wp-content/uploads/2021/10/cropped-%D7%9B%D7%A4%D7%AA%D7%95%D7%A8.png","industry_subtype":null,"profile_tier":"free","short_tagline":null,"primary_category":"Financial Planner","schema_type":"LocalBusiness","primary_address":{"city":"Kiryat Ono","region":null,"street":null,"country":"IL","postal_code":null},"geo_coordinates":{"lat":32.051905,"lng":34.857879},"service_areas":["Kiryat Ono"],"phone":"+972522534732","hours_by_day":[{"day":"monday","open":"09:00","close":"17:00"},{"day":"tuesday","open":"09:00","close":"18:00"},{"day":"wednesday","open":"08:00","close":"18:00"},{"day":"thursday","open":"08:00","close":"18:00"},{"day":"friday","open":"00:00","close":"00:00","is_closed":true},{"day":"saturday","open":"00:00","close":"00:00","is_closed":true},{"day":"sunday","open":"08:00","close":"12:00"}],"price_range":null,"review_summary":{"sources":[{"count":13,"rating":5,"platform":"google"}],"total_count":13,"distribution":{"1":0,"2":0,"3":0,"4":0,"5":13},"average_rating":5},"certifications":[],"years_in_business":null,"founded_year":null,"specialties":[],"differentiators":[],"social_profiles":[{"url":"https://www.facebook.com/michaleiny","platform":"facebook"},{"url":"https://www.instagram.com/michal.coheneiny/","platform":"instagram"},{"url":"https://wa.me/972522534732?text=%D7%90%D7%A9%D7%9E%D7%97%20%D7%9C%D7%A7%D7%91%D7%9C%20%D7%A4%D7%A8%D7%98%D7%99%D7%9D%20%D7%A0%D7%95%D7%A1%D7%A4%D7%99%D7%9D","platform":"whatsapp"}],"citations":[],"data_sources":["Website Scan","Schema.org Structured Data","Social Media Profiles","AI Content Analysis","Google Business Profile"],"languages_supported":["he","en"],"profile_language":"en","ai_readability_score":50,"claimed_at":null,"index_status":"listed","industry_category":"Financial Planner","llm_optimized_summary":"Michal Cohen operates as a financial planner in Kiryat Ono, Israel, providing specialized services for individuals and families. 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