Retirement
Each year, Social Security benefits are adjusted to help retirees, survivors, and individuals with disabilities keep pace with rising costs. These adjustments—known as Cost-of-Living Adjustments (COLAs)—are tied to the Consumer Price Index (CPI), which tracks inflation. What Is COLA? Since 1975, Soc
Tax Strategies
When Congress passed the 2025 “One Big Beautiful Bill” (OBBB), the headlines came fast and loud. Some news outlets and even a Social Security Administration (SSA) email suggested that the new law would eliminate federal income taxes on Social Security benefits. That claim spread quickly—but it isn’t
Tax Strategies
Starting a new financial advisory relationship is an important step, and at Rigden Capital Strategies, we want every client to feel confident, comfortable, and supported from day one. Our onboarding process is designed to be clear, collaborative, and focused on building a strong foundation for your
Real Estate
For many investors, real estate is a cornerstone of building wealth. It provides potential appreciation, steady rental income, and diversification outside of traditional stock and bond markets. But when it comes to retirement accounts like IRAs, directly owning physical real estate often creates mor
Tax Strategies
Insurance plays a central role in protecting your financial well-being. While investments and savings help you grow wealth, insurance safeguards it from unexpected events. But how often should you review your policies? Which types of insurance are essential—and which might be unnecessary? How Often
Tax Strategies
Understanding Estimated Taxes Estimated tax payments are the IRS’s way of ensuring taxes are collected as income is earned. This approach prevents taxpayers from waiting until they file their annual return. While employees typically have income tax withheld from their paychecks, retirees often recei
Retirement
According to academic research, most individual stocks underperform the market over their lifetimes, and many fail to outperform even conservative investments like Treasury bills.
Retirement
It takes just a few minutes at SSA.gov to review your earnings record, confirm your benefit estimates, and catch any errors before they affect your retirement income.
Tax Strategies
For many individuals and families, managing healthcare costs can feel like navigating a maze, especially when planning for both current medical needs and future financial security. One tool that stands out for its flexibility and tax advantages is the Health Savings Account, or HSA. But what exactly
Real Estate
When it’s time to move on from your current home, whether due to a job relocation, upsizing for a growing family, or simply a lifestyle change, one of the biggest financial decisions you’ll face is what to do with your existing property: sell it or turn it into a rental? Both options come with benef
Tax Strategies
Navigating Medicare can feel overwhelming at first glance—but it doesn’t have to be. Whether you’re nearing age 65 or helping a loved one prepare, understanding the core components of Medicare can help you make confident, informed decisions about your health coverage in retirement. Here’s a breakdow
Tax Strategies
As we pass the halfway point of the year—July 2 marks day 183 of 365—it’s the perfect time to pause, reflect, and re-align your financial strategy. A mid-year financial check-in can help you stay on track, adapt to changes, and make the most of the months ahead. Whether you’re planning for retiremen