Social Security - Rigden Capital Strategies

Does Social Security Really Use My Highest 35 Years of Earnings?

Social Security generally uses your highest 35 years of indexed earnings to calculate retirement benefits. Learn how zero years, low-earning years, continued work, and later-career earnings can affect your monthly benefit.

How Is My Social Security Benefit Calculated?

Learn how Social Security calculates your retirement benefit using your highest 35 years of earnings, wage indexing, AIME, PIA, and claiming age and why working longer can sometimes increase your monthly benefit.

Should You Claim Social Security at 62? Why the “Right” Answer Depends on More Than Math

Claiming Social Security at 62 isn’t always a mistake and waiting until 70 isn’t always best. The right decision depends on income needs, taxes, health, longevity, and retirement goals. Here’s what to consider before you claim.

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