AJD Wealth Management

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AJD Wealth Management My goal is to deliver a high-touch, boutique service to my clients.

AJD Wealth is an independent, fee-only firm for families and retirees who are tired of meeting with their advisor once a year and who don't want to be another account at a large firm.

08/12/2026

Spread your wealth across different asset classes & holdings to reduce risk and give your portfolio a better shot at long-term growth. 🌱📊

Putting all your eggs in one basket? It's called concentration risk.

Some examples of concentration risk are huge positions in single companies like PG, NVDA, or AAPL!

08/11/2026

Reasons why people delay investing

🏠Saving for a house

🛠️Home renovations

🌴That big vacation

🎒Kids' tuition

❓(Insert next big expense here)

People put off investing, thinking they'll start once things settle down. But things rarely settle down.

We find ourselves waiting for a "normal" month or a "normal" year, but they don't exist.

If you keep waiting, you may never actually start. And the longer you wait, the harder it is to catch up.

Prioritize investing now - your future self will thank you.

08/10/2026

"I make too much to contribute to a Roth IRA."

Correct, you can't contribute to a Roth IRA directly if your income is too high, but that doesn't mean you're out of luck...

Introducing the Backdoor Roth IRA or the 2-step Roth IRA...

Here's how it works:
1️⃣ Put money into a Traditional IRA (but don't take a tax deduction)
2️⃣ Convert it to a Roth IRA (there's no income limit on conversions)

A couple of key things to remember:
🚨 Make sure you have no pre-tax money in any IRAs by 12/31, or you could owe taxes
📄 File IRS Form 8606 to report the conversion

If done right, this lets you get money into a Roth IRA, no matter how much money you make!

08/07/2026

Why are Health Savings Accounts (HSA) great?

The biggest reason is it is the only account that is triple tax-advantaged.

What does that mean?

💵 Contributions are made pre-tax
📈 Growth is tax-deferred
💸 Withdrawals for qualified medical expenses are tax-free

So, no tax on way in... No tax on the growth... No tax on the way out (when used for qualified medical expenses).

Healthcare is expensive! So, being able to use tax-advantaged dollars to pay for it can be a great strategy.

08/06/2026

Insurance salesmen love to say:
💬 "You can borrow against the cash value in your permanent life insurance!"

They're not wrong, but you can also borrow from:
🏠 Home equity
💼 401(k)s
📈 Investment accounts

Should you though? It depends what the money will be used for. Taking loans has it's time & place, but so does just taking the money out of an account and using it as intended...

Don't let a cash value life insurance pitch steer you away from better, more flexible choices.

08/05/2026

If your company handed you a cash bonus… would you turn around and buy company stock with it?

Usually the answer is no... The people I meet with are trying to get less exposure to their company stock where possible, not more. (diversification 👍🏻)

So the big question is why hold onto your RSUs after they vest? Because it's easy? The default option? If you wouldn't buy it today, why continue to hold it?

Selling the shares when they vest can be a great move. It's even better if you have the option to set your RSUs to "sell all" so you don't have to worry about it or second guess yourself.

08/04/2026

Remember, a Roth IRA is not an investment, it's an ACCOUNT that you put different investments into.

Once you have money in your Roth IRA you can (and should) buy stocks, mutual funds, ETFs, etc.

Keep this in mind if you have been contributing to a Roth IRA, but haven't gone back to invest the cash!

08/03/2026

Successful people understand how & have the desire to increase their net worth 📈

They can be saving more into investment accounts or strategically paying down debt.

High achievers have the cashflow and desire to increase their net worth and want to make sure their dollars are making the most impact.

07/31/2026

Most people invest for the obvious reason: they want to grow their wealth and have lots of money...

But here's the truth:
Investing gives you something far more valuable than just a big account balance...
It buys you flexibility!

💻Want to work part-time instead of full-time?
🍝Take 6 weeks off to explore Europe?
🏠Support your adult kids without worrying about your own future?

That's the real power of having significant wealth...

Build the assets & increase your net worth now to buy the freedom to live life on your terms.

07/30/2026

Imagine getting paid…
✅ While you're golfing
✅ While you're volunteering at your church
✅ While you're w**e tasting in Napa
✅ While you're sitting at your kid's soccer game

This is the freedom that so many are looking for with passive income. Having money coming in from dividends, interest, portfolio withdrawals, and maybe some rental income.

You get to live life on your terms and your money is working for you behind the scenes.

The secret sauce is not a side-hustle or a real estate empire, it's having a robust investment account.

Address

Cincinnati, OH

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+15132017550

Website

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