Retirement
In an effort to help families build long-term financial security for children, Congress introduced a new type of savings vehicle through the One Big Beautiful Bill Act (OBBBA): Trump Accounts.
Retirement
Part 4: Emotion — The Behavioral Side of Financial Decisions While markets and economic factors play a role in retirement outcomes, investor behavior can also be an important influence. Emotional responses to uncertainty, market movements, and financial stress may affect decision-making. Common Beha
Retirement
On May 1st, we recognize National Investing Day! A newer observance founded by Charles Schwab to promote financial education, long-term investing, and greater access to the markets. The date isn’t random. It traces back to May 1, 1975 often called “May Day” on Wall Street, when commission rates were
Retirement
Part 3: Volatility — Navigating Market Fluctuations Market volatility refers to the natural fluctuations in the value of investments over time. While it is a normal part of investing, it can present challenges - particularly during retirement. Understanding Volatility Financial markets do not move i
Retirement
Part 2: Inflation — The Gradual Impact on Purchasing Power Inflation represents the general increase in prices over time. While it may not always feel immediate, its long-term effects can meaningfully impact retirement planning. How Inflation Affects Retirement Over time, even moderate inflation may
Retirement
Part 1: Longevity — The Risk of Living Longer Than Expected For much of history, the primary concern was not living long enough. Today, many retirees face the opposite challenge: living longer than their financial resources were originally designed to support. This is commonly referred to as longevi
Retirement
Every year on March 31st, World Backup Day serves as a simple but powerful reminder: protect your digital life. Photos, documents, passwords—everything that would be painful to lose. Most of us understand this instinctively. We’ve either experienced data loss ourselves or know someone who has. And o
Retirement
The Hidden Concentration Inside the S&P 500 If you’ve invested in an S&P 500 index fund, it can feel like you own a small piece of the entire American economy. Technology companies, banks, consumer brands, industrial firms, and energy companies are all represented in a single index. For many investo
Retirement
When it comes to retirement security, few programs are as important as Social Security benefits. And for women in particular, Social Security plays an outsized role in retirement income. According to data from the Social Security Administration, women make up the majority of Social Security benefici
Retirement
Financial planning is often mistaken for a “set it and forget it” task. In reality, effective planning is an ongoing process that evolves as markets, tax laws, and personal goals change. At Rigden Capital Strategies, our approach emphasizes proactive review and thoughtful evaluation of planning stra
Retirement
Caregiving is no longer a rare or short-term responsibility. Millions of Americans are balancing full-time careers while caring for children, aging parents, or other dependent family members. For many, this happens simultaneously—placing them squarely in the sandwich generation. Yet caregiving is st
Retirement
Retirement savers age 50 and older have long relied on catch-up contributions to boost savings as they approach retirement. These additional contributions provide a meaningful opportunity to save more—especially for high earners in their peak earning years. The One Big Beautiful Bill Act (OBBBA) int