RCS Advisors - Rigden Capital Strategies

When Is It Time to Hire a Financial Advisor?

When financial decisions become more important, time-consuming, and complex, professional guidance can help. An experienced advisor has helped hundreds of clients retire, while this may be your first time navigating the transition.

AI Can Build a Financial Plan. But Should It Be the One Making Financial Decisions?

AI can create a financial plan in seconds but can it truly understand your goals, values, and life's biggest trade-offs? Learn where artificial intelligence excels, where it falls short, and why combining AI with a fee-only fiduciary may lead to better financial decisions.

What the Personal Saving Rate May Be Telling Us About the U.S. Consumer

The U.S. personal saving rate is falling, but demographics may not tell the whole story. We examine how household wealth, inflation, wage growth, and consumer spending are shaping the outlook—and what investors should watch next.

When Should You Sell Company Stock? A Decision Framework for Employees with RSUs and ISOs

When should you sell company stock from RSUs or ISOs? The answer is rarely all or nothing. Learn five key questions that can help you balance taxes, concentration risk, and long-term goals while making more confident equity compensation decisions.

Vanguard Research: Why Retirement Income Matters More Than Your Account Balance

A new Vanguard study suggests retirement success depends less on your account balance and more on how effectively you generate sustainable income. Learn how Social Security timing, withdrawal strategies, and tax planning can impact retirement outcomes.

7 Mistakes Employees Make with RSUs and ISOs

Employees with RSUs and ISOs often focus on growing wealth but avoiding costly mistakes is just as important. Learn seven common equity compensation planning pitfalls and how a proactive strategy can help protect what you've worked so hard to build.

How to Plan Around Concentrated Stock Positions: ISOs and RSUs

A concentrated stock position can be a powerful wealth-building opportunity but it can also create significant risk. Learn how RSUs, ISOs, diversification, and tax-aware planning can help turn equity compensation into long-term financial security.

Is Your Financial Advisor Required to Act in Your Best Interest?

Not all financial advisors operate under the same standards or compensation models. Learn the key questions to ask, how to verify credentials, and where to research an advisor's background before making an important financial decision.

What Are You Really Paying a Financial Advisor For? Vanguard’s 2025 Research Offers an Answer

Many investors think financial advisors are paid to beat the market. But Vanguard’s 2025 research suggests the real value may come from tax planning, behavioral coaching, retirement strategy, and helping investors avoid costly mistakes.

ISO vs. RSU: What’s the Difference?

ISOs and RSUs may both involve company stock, but they work very differently. Understanding taxes, vesting, exercise decisions, and concentration risk can help employees avoid costly mistakes and make smarter equity compensation decisions.