Disclaimer

Pioneer Wealth Management Group has been providing wealth management services since 1986, including investment portfolio management and financial planning for high-net-worth individuals and wealthy families worldwide (hereinafter: "Pioneer Wealth Management" or the "Group"). Pioneer Wealth Management serves clients globally and operates under licenses in several jurisdictions through authorized entities within the Group:

Pioneer Financial Planning (92) Ltd. (hereinafter: "Pioneer")

The company holds a portfolio management licensed issued by the Israel Securities Authority and is engaged in portfolio management and investment marketing. Using the definitions under Israel’s Regulation of Investment Advice, Investment Marketing and Portfolio Management Law, 1995 (hereinafter: "the Advisory Law") it does not provide investment “advice”. Additionally, the company is an authorized Financial Services Provider under the Financial Sector Conduct Authority of South Africa and is a Registered Exempt Foreign Advisor under the Ontario Securities Commission of Canada.

Under the Holistic Wealth Management Service, the sole compensation Pioneer is entitled to receive is remuneration from the client. Pioneer will not receive any compensation, fee reimbursement, or other payment from banks or financial institutions for investments made on behalf of or by its clients under such services. Should such compensation be received, it will be fully refunded to the client, provided that the Wealth Management Agreement between Pioneer and the client remains in effect.

List of Current Affiliations:

• Portfolio Managers: IBI, Altshuler Shaham, Analyst, Epsilon, Phoenix-Excellence, Harel Finance, Clal, Yalin Lapidot, Meitav, Mor, and Sigma.
• Alternative Investments listed on the websites of: Alpha; IBI; Vertical; Tandem Golden Bridge;  Granite; Harel; Tulip; Leader; More; Noked; Sphera; Frux; Reading; Pheonix; Harbor funds and projects; Value Advanced Investments; Buligo.
• Specific Alternative Investments: I Funds Capital – Blue Owl Core Income Corp (OCIC) Fund1, Blackstone Private Credit (BCRED), Millennium Fund II, Alpha Beta Indexes, Excellence-FIMI, The Hud Fund, Var Optimum, and structured products issued by Oasis.

For this purpose, “Affiliation” means receiving direct or indirect monetary compensation from the above entities in relation to the financial assets managed by them. The nature of such affiliation is Pioneer’s right to receive up to 50% of the total management fees paid by the client to the financial entity. Due to such affiliation, Pioneer may prefer financial products of affiliated entities over similar products from unaffiliated institutions, even when such alternatives may be equally suitable for the client.

For information regarding past affiliations, please contact company management.

As a rule, Pioneer does not consider ESG (Environmental, Social, and Governance) criteria when making investment decisions or managing risks. However, clients interested in such considerations—especially for Global portfolios—may request that their portfolio be managed according to ESG principles and the United Nations' Sustainable Development Goals (SDGs), using sustainability ratings provided by third-party rating agencies.

Pioneer Family Office LLC

Pioneer Group owns a wholly owned subsidiary called Pioneer Family Office LLC ,a U.S.-based partnership registered with the U.S. Securities and Exchange Commission (SEC) as a Registered Investment Advisor (RIA). The company is headquartered in Miami, Florida, USA.

Pioneer Pension Insurance Agency 2009 Ltd.

Licensed as a Pension Insurance Agent by the Commissioner of Capital Markets, Insurance and Savings at the Israeli Ministry of Finance.

The agency provides pension marketing services, and not pension advice.

Pioneer Pension Agency is affiliated with the following pension product providers: Altshuler Shaham, Analyst, Meitav Dash, Hachshara Insurance Company, Phoenix Group (including Excellence), Harel, Yalin Lapidot, Clal, Menora Mivtachim, and  Mor Gemel.

In this context, "affiliation" means the receipt of direct or indirect compensation from the above institutions in connection with pension assets they manage. The nature of the affiliation entitles Pioneer to receive up to 50% of the ongoing management fees paid by the client to the pension provider as well as other once off incentives provided by the Pension provider. As a result, Pioneer may prefer products of affiliated institutions over equally suitable products offered by unaffiliated providers.

Important Notice- Artificial Intelligence Technologies (AI)

The use of artificial intelligence technologies has significantly increased the risk of false communications, impersonation, and forged documents that may appear to originate from Pioneer Wealth  Management and/or its representatives. Therefore, it is important to exercise vigilance and verify the identity of the person contacting you when receiving inquiries on financial matters and when providing personal and financial information. Clients of Pioneer Wealth Management are required to verify the authenticity of any instructions, communications, or requests for information or funds. Pioneer Wealth Management will not be held liable for any loss, damage, or claim resulting from clients relying on forged, manipulative, or AI-generated materials. Clients of Pioneer Wealth Management explicitly assume full responsibility to act with appropriate caution and diligence in such cases.

Important Notice

The content on this website is for informational purposes only and does not constitute, and should not be construed as, an offer, advice, recommendation, or solicitation to buy, sell, or hold any security, financial product, or pension product. It is not a substitute for personalized investment marketing or advice tailored to the specific needs of each investor.

While reasonable efforts have been made to source information from reliable sources, Pioneer does not warrant the completeness or accuracy of the information presented. We accept no liability for any damage or loss that may arise from reliance on such information. Opinions and views expressed are accurate as of the publication date and are subject to change without notice. Use of the website and the information provided is at the sole discretion and responsibility of the user.

Furthermore, the information presented does not constitute tax or legal advice, and Pioneer recommends consulting appropriate professionals in these fields as needed.

(As of December 2025)