AJ Feldman Financial

AJ Feldman Financial AJ Feldman Financial, LLC is an independent, comprehensive, fee-only investment advisory firm.

We work with each client to understand their specific situation and circumstances to create proactive, customized, transparent and easy to understand financial plans. Our goal is to give each client peace of mind to help build and maintain future wealth.

https://www.wsj.com/finance/investing/investing-emerging-markets-52a6b450“It’s important that investors understand this ...
09/05/2023

https://www.wsj.com/finance/investing/investing-emerging-markets-52a6b450

“It’s important that investors understand this is a high-risk, high-reward investment
before they dive into them,” says Andrew J. Feldman, the founder of A.J. Feldman Financial
in Chicago. “These funds can be highly volatile due to a host of systemic risks in emergingmarket
countries, including economic risk, geopolitical risk, currency risk and liquidity
risk.”

Emerging-markets stock ETFs offer exposure to higher-growth markets, but they also can be volatile. Here is a look at the pros and cons.

https://www.bankrate.com/investing/4-ways-to-get-better-returns-than-cds/“I tend to shy away from CDs in today’s environ...
11/03/2021

https://www.bankrate.com/investing/4-ways-to-get-better-returns-than-cds/

“I tend to shy away from CDs in today’s environment since the interest rates on these are not materially higher than money market and other deposit accounts,” says Andrew Feldman, CFP, president of Illinois-based AJ Feldman Financial. “And most CDs lock up your funds and are not liquid.”

Not interested in investing in CDs? Try one of these alternatives.

https://www.bankrate.com/banking/savings/money-moves-to-make-this-year/“You do not need to have $1 million or all of you...
01/01/2021

https://www.bankrate.com/banking/savings/money-moves-to-make-this-year/

“You do not need to have $1 million or all of your bills paid off,” says Andrew Feldman, CFP, president of Illinois-based AJ Feldman Financial. “Start with a small amount, and be proactive. If you already have a plan, be proactive. Make sure you have reviewed it recently and with all of the market movement are you allocated properly.”

Here’s what personal financial experts from across the country recommend to start 2021 off strong.

https://www.wsj.com/articles/how-to-buy-a-home-together-when-youre-not-married-11604399401For example, Andrew Feldman, a...
11/03/2020

https://www.wsj.com/articles/how-to-buy-a-home-together-when-youre-not-married-11604399401

For example, Andrew Feldman, a financial planner in Chicago, recently received a call from one of his clients who is living with her boyfriend and his two children. They are running out of space and she intends to buy a house within a few weeks and have him pay rent to help cover the mortgage.

While this would work out well for everyone in the short-term, it is risky because, on her current budget, it would be very difficult for her to keep the house without his help.

“The upside is easy but the downside is a big unknown,” said Mr. Feldman.

When unmarried couples consider buying a house together, there are financial and practical risks to consider.

https://www.barrons.com/articles/retirees-beware-these-tax-traps-on-social-security-and-medicare-51593707401"To avoid ge...
07/05/2020

https://www.barrons.com/articles/retirees-beware-these-tax-traps-on-social-security-and-medicare-51593707401

"To avoid getting pushed into a higher tax bracket, Andrew Feldman, a Chicago financial advisor, frequently counsels high-income clients to take their RMDs as a qualified charitable distribution if they don’t need the income. That way, it won’t trigger higher taxes or higher future Medicare premiums. To do so, retirees must direct the administrator of their tax-deferred account to make a donation directly to the charity."

Seniors face multiple income traps, and it’s not just the rich. For instance, lower- and middle-income retirees get hit by the so-called tax torpedo as rising income causes their Social Security benefits to be taxed.

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