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Retirement

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

Social Security and Women: What Every Retirement Plan Should Consider

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

Strategy Matters: How Stress Testing Can Improve Financial Planning Decisions

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

Caregiving Is a Financial Event: Whether You Plan for It or Not

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

What You Need to Know About Roth-Required 401(k) Catch-Up Contributions Starting in 2026

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

Your Medicare IRMAA Guide For Retirement and More

Retirement is supposed to be the time you stop worrying about income, but for many higher earners, Medicare throws a curveball: IRMAA.

The 4% Rule Revisited: Determining a Sustainable Withdrawal Rate

For decades, the "4% rule" has served as a widely cited guideline for retirees. This concept, developed by financial planner William Bengen in the early 1990s, suggested that an investor could successfully sustain a 30-year retirement by initially withdrawing 4% of their total invested portfolio and