Retirement - Rigden Capital Strategies

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.

Rollover IRA vs. Traditional IRA: What’s the Difference?

If you’ve recently changed jobs, retired, or are trying

What Are Trump Accounts for Kids? Updated Rules, Eligibility, and What Families Should Know in 2026

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.

The 4 Risks That Never Retire: Part 4. Emotion

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

National Investing Day: A Reminder of Why We Invest in the First Place

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

The 4 Risks That Never Retire: Part 3. Volatility

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

The 4 Risks That Never Retire: Part 2. Inflation

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

The 4 Risks That Never Retire: Part 1. Longevity

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

World Backup Day: Your Financial Plan Needs One Too

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

What’s Actually Inside Your S&P 500 Fund?

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