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Research and perspective from the Rigden team.
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Quarterly Update: Q2 2026
By the Investment Committee at Rigden Capital Strategies We are officially halfway through 2026, and the second quarter brought a strong market rally despite ongoing geopolitical uncertainty, elevated interest rates, and renewed concerns around inflation. Markets moved higher as corporate earnings remained resilient, enthusiasm around artificial intelligence continued to support technology and infrastructure-related companies, and the U.S. economy continued to expand at a solid pace. When mar
How to Plan Around Concentrated Stock Positions: ISOs and RSUs
A concentrated stock position can be a powerful wealth-building opportunity but it can also create significant risk. Learn how RSUs, ISOs, diversification, and tax-aware planning can help turn equity compensation into long-term financial security.
ISO vs. RSU: What’s the Difference?
ISOs and RSUs may both involve company stock, but they work very differently. Understanding taxes, vesting, exercise decisions, and concentration risk can help employees avoid costly mistakes and make smarter equity compensation decisions.
May 2026
As we cross the threshold into the middle of 2026, the financial landscape continues to present a fascinating, interconnected puzzle. Managing capital in a dynamic economy requires us to look past the day-to-day noise of cable news and social media, and instead focus deeply on structural economic realities. The core mission of Rigden Capital has always been rooted in clarity, consistency, and alignment. We understand that behind every portfolio balance is a real-world goal: a secure retirement,
A Quick Guide to Equity Compensation Types
What Type of Equity Do I Have and What Does It Actually Mean? Equity compensation is one of the most powerful and most misunderstood components of executive compensation. Stock options, restricted stock, and employee purchase plans can meaningfully enhance long-term wealth, but only if they are unde
“Why We Built Rigden Capital Strategies”
We built Rigden Capital Strategies because we were frustrated with what investment management had become. Too often, we saw clients placed into generic portfolios, sold products they didn’t fully understand, and charged fees that weren’t clearly explained. Advice felt transactional, more about speed
Latest articles
When Should You Sell Company Stock? A Decision Framework for Employees with RSUs and ISOs
When should you sell company stock from RSUs or ISOs? The answer is rarely all or nothing. Learn five key questions that can help you balance taxes, concentration risk, and long-term goals while making more confident equity compensation decisions.
Vanguard Research: Why Retirement Income Matters More Than Your Account Balance
A new Vanguard study suggests retirement success depends less on your account balance and more on how effectively you generate sustainable income. Learn how Social Security timing, withdrawal strategies, and tax planning can impact retirement outcomes.
7 Mistakes Employees Make with RSUs and ISOs
Employees with RSUs and ISOs often focus on growing wealth but avoiding costly mistakes is just as important. Learn seven common equity compensation planning pitfalls and how a proactive strategy can help protect what you've worked so hard to build.
Is Your Financial Advisor Required to Act in Your Best Interest?
Not all financial advisors operate under the same standards or compensation models. Learn the key questions to ask, how to verify credentials, and where to research an advisor's background before making an important financial decision.
What Are You Really Paying a Financial Advisor For? Vanguard’s 2025 Research Offers an Answer
Many investors think financial advisors are paid to beat the market. But Vanguard’s 2025 research suggests the real value may come from tax planning, behavioral coaching, retirement strategy, and helping investors avoid costly mistakes.
Why the Traditional 20/4/10 Car Buying Rule No Longer Works for Many Families
The traditional 20/4/10 car buying rule once helped buyers avoid overspending but rising car prices, higher rates, and insurance costs are changing the math. Here’s how to think about car affordability in today’s market.
Student Loan Rules Are Changing Again: What Current Borrowers Need to Know Before July 1
Student loan repayment rules are changing July 1, and current borrowers may be affected more than they realize. If you are on an income-driven repayment plan, considering graduate school, or planning to borrow again, understanding the new rules could help you avoid costly surprises.
Rollover IRA vs. Traditional IRA: What’s the Difference?
If you’ve recently changed jobs, retired, or are trying to organize your retirement savings, you may be asking an important question: Should I open a Rollover IRA or a Traditional IRA? At first glance, they can seem almost identical and in many ways, they are. Both account types offer tax-deferred growth potential, share similar withdrawal rules, and may play a role in a broader retirement strategy. However, there is one important distinction that often gets overlooked: where the money comes
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 Three Camps in the RIA Landscape... And Why the Best Advisors Don’t Fit in Just One
When people begin searching for a financial advisor, they often assume all firms operate the same way. In reality, the Registered Investment Advisor (RIA) landscape tends to fall into three distinct “camps.” Each brings value, but each also has limitations that can impact the quality of advice clien
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
Quarterly Update: Q1 2026
The first three months of 2026 delivered a sudden and sobering wake-up call to global financial markets. High optimism for artificial intelligence and imminent interest rate cuts quickly collided with reality. Geopolitical tensions spiked energy prices, the AI boom faced physical infrastructure limi
Estate Planning in 2026: A Practical Framework For Legacy Planning
Estate planning often extends beyond basic documents such as wills. With recent legislative changes—including provisions commonly referenced as part of the “One Big Beautiful Bill Act (OBBBA)”—federal estate tax exemptions are currently elevated (subject to future legislative change). As a result, m
351 ETF Exchange & Its Benefits
The Section 351 ETF Exchange (often called an "ETF Conversion" or "Seeding") is a sophisticated tax strategy that allows investors to move large, appreciated stock positions into a diversified ETF without triggering immediate capital gains taxes. While it has been a staple for institutional investor
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
Market Update: March 2026
Geopolitical Escalation and Capital Markets From a historical perspective, geopolitical shocks have often created short-term volatility but have not always resulted in lasting structural damage to capital markets. Initial reactions in risk assets can be sharp, but those moves frequently moderate as
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
2025 Tax Changes You Need to Know Before Filing in 2026
Tax law doesn’t change often but when it does, the ripple effects can meaningfully impact how much you owe, how much paperwork you need, and which planning strategies actually matter. For your 2025 tax return (filed in early 2026), several notable updates are now in play following the passage of the
From DIY Investing to Strategic Design: Why Investors Choose a Professional “Fit”
For years, you’ve handled it all. You’ve researched the funds, tracked the indices, balanced the spreadsheets, and managed the tax transitions. There is a certain pride in being a "DIY investor"—it requires discipline, intelligence, and a high level of control. But as wealth grows, so does comple
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
How Parents’ Real Estate Holdings Affect FAFSA and College Financial Aid Eligibility
For families preparing for college, understanding how assets are evaluated for financial aid purposes is an important part of the planning process. One area that often raises questions is how real estate ownership—particularly rental or investment property—is treated when completing the Free Applica
Quarterly Update: Q4 2025 (Ending 2025 Strong)
As we close the book on 2025, the stock market gave investors a solid, if not euphoric, finish. The final three months of the year were characterized by steady gains rather than an explosive rally, pushing the total returns for 2025 to respectable double-digit levels. The S&P 500 (a good measure of
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
Market Update: Ending 2025 Strong
As we close the books on 2025, investors find themselves standing before a familiar "Wall of Worry." Headlines are filled with anxieties ranging from government debt levels and political changes to lingering fears about inflation. It is natural to feel cautious in this environment. However, experien
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.
Charitable Planning to Wrap Up 2025: Strategies to Maximize Your Impact and Your Tax Benefits
As 2025 comes to a close, many families, retirees, and business owners are taking a fresh look at their charitable goals. This year is particularly important because the One Big Beautiful Bill Act (OBBBA) introduces meaningful tax changes starting in 2026. These changes affect how charitable deducti
The Stealth Wealth Vehicle: Why We Love The HSA (Under Three Strict Conditions)
In the world of financial planning, we often obsess over asset allocation, tax-loss harvesting, and Roth conversions. However, one of the most potent vehicles for wealth accumulation is frequently disguised as a boring insurance decision: The High Deductible Health Plan (HDHP) paired with a Health S
Market Update: No, This Isn't a Bubble Bursting—It's Just a Quick Reality Check
Lately, many investors have been concerned about tech stocks dropping and talk of a big "bubble" ready to pop. But let's take a moment to breathe—it's not as bad as it seems. What we're seeing is just a normal pause where people rethink their excitement. Stocks have been strongly climbing, and these
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
2026 IRS LIMITS: RETIREMENT ACCOUNTS, HSA, AND FSA LIMITS.
tax planning
A Parent’s Guide to Paying for College: Coordinating Savings, Scholarships, and Student Loans
For many families, the cost of college is one of the biggest financial milestones they will plan for. Parents often want to help, whether by saving, offering guidance, or supporting their student’s decisions—but the process can feel overwhelming. The good news: with thoughtful coordination of saving
Year-End Financial Planning Checklist: Setting the Stage for 2026
As the year draws to a close, it’s the perfect time to pause, reflect, and take proactive steps to align your financial life with your goals. A structured year-end review ensures you’re maximizing opportunities for tax efficiency, fine-tuning your investments, and entering the new year with confiden
How to Qualify for Real Estate Professional (RE Pro) Tax Status
For many real estate investors, one of the most valuable tax planning opportunities is qualifying for Real Estate Professional (RE Pro) status with the IRS. Achieving this designation can change how your rental activity is treated for tax purposes, potentially allowing you to deduct real estate loss
Paying for Graduate School: The Ultimate Guide
Graduate school is becoming an increasingly common step for students and professionals looking to advance their careers. Yet, the financial reality is changing—and fast. With the elimination of Grad PLUS loans beginning July 1, 2026, and new federal borrowing limits under the One Big Beautiful Bill
How Credit Cards Influence Your Credit Score — and Smart Ways to Improve It
How Credit Cards Impact Your Credit Score Credit cards can be valuable financial tools when used wisely. They offer flexibility, rewards, and can help establish or strengthen your credit history. But how you manage your credit cards directly influences your credit score — for better or worse. Unders
Market Update: Fed's Latest Moves and What They Mean for Your Portfolio
As anticipated following its most recent policy meeting, the Federal Reserve announced a 25 basis point reduction in its benchmark interest rate today. This marks the second consecutive monthly cut, bringing the federal funds rate target range to 3.75%–4.00%. In a complementary move, the Fed also si
Social Security Benefits Are Increasing in 2026 — Here’s What That Means for Your Retirement Plan
Each fall, the Social Security Administration (SSA) announces the annual Cost-of-Living Adjustment (COLA), which determines how much benefits will increase to help keep up with inflation. For 2026, Social Security benefits are set to increase by approximately 2.8%. While this adjustment is automatic
Rolling Over 529 Funds to a Roth IRA
The SECURE Act 2.0, signed into law in late 2022, introduced several updates to retirement and education savings. One provision that has generated particular interest is the ability to roll over certain unused 529 plan funds into a Roth IRA. This rule, effective in 2024, provides families with more
Why Every Financial Plan Needs an Emergency Reserve
How Liquid Cash Protects Your Long-Term Strategy A sound financial plan isn’t just about growth — it’s also about resilience. Market fluctuations, medical expenses, or household repairs can occur without warning. That’s why maintaining an emergency reserve is a critical part of any financial strateg
Small Business Loans - A Starting Guide
Acquiring an existing business is one of the most common reasons entrepreneurs seek small business financing—especially in Colorado, where the economy supports diverse industries like retail, services, and technology. Whether you’re buying into a proven operation or taking over a growing company, un
Market Update: October 2025
Key Takeaway: Investor sentiment is bullish but not euphoric, with recent market discussions centered on valuations and potential risks in AI-related financing. While some cautionary signals are emerging, markets reflect optimism for growth, though a short-term pullback may be healthy after a signif
Paying Your College Bill Is Different for 2025–26
As families begin receiving their 2025–26 college tuition bills, the strategies for covering costs may look very different from prior years. The One Big Beautiful Bill Act (OBBBA) introduced new loan limits for students and parents, creating both challenges and opportunities for planning ahead. With
Navigating Market Resilience: Unpacking the Rally, Labor Signals, and Fed Easing in a Shifting Landscape
In the volatile world of financial markets, few periods capture the tension between exuberance and caution quite like the summer of 2025. August delivered yet another robust performance for risk assets, with small- and mid-cap stocks, alongside value-oriented plays, stealing the spotlight. Even bond
Market Update: Navigating Megatrends: Four Forces Shaping Investor Returns in 2025 and Beyond
As we navigate the complexities of 2025, investors face a landscape defined not just by cyclical economic swings but by profound structural shifts. Four megatrends—artificial intelligence (AI), infrastructure buildout, demographic changes, and deglobalization—stand out as transformative forces with
World Financial Planning Day: A Reminder to Get Financially Fit
October 8th is World Financial Planning Day — a global reminder of the value of taking time to review your financial goals and strategy. Whether you’re just getting started or refining a well-established plan, it’s a great opportunity to pause and ask: Is my financial plan still aligned with the lif
Exit Strategies for Real Estate Investors
Real estate investors often put tremendous energy into finding and financing the right property. Yet many underestimate the importance of the exit strategy. How you leave an investment can be just as impactful as how you enter it. Done thoughtfully, the exit can provide liquidity, unlock higher valu
New IRS Reporting for Qualified Charitable Distributions (QCDs): What You Need to Know for 2025
For retirees who give charitably, Qualified Charitable Distributions (QCDs) are one of the most tax-efficient ways to support a cause. Starting in 2025, the IRS is making an important update that simplifies how these charitable IRA distributions are reported—reducing confusion and potential tax erro
Should You Buy or Lease Your Next Car?
When it comes to getting behind the wheel of a new vehicle, the decision often comes down to one important question: Should you buy or lease? The right choice depends on your lifestyle, financial goals, and driving habits. Both options have clear advantages and trade-offs—understanding them can help
Accessing Retirement Funds Before 59½: Understanding SEPP Rule 72(t)
Most retirement savers know that withdrawing from an IRA or 401(k) before age 59½ generally triggers a 10% early withdrawal penalty, in addition to income taxes. In limited cases, however, the IRS allows early access without penalty. One such option is the Substantially Equal Periodic Payments (SEPP
Q3 2025 Market Commentary: Resilience Amid Uncertainty – A Tech-Fueled Rally Charges Forward
As the third quarter of 2025 drew to a close on September 30, the U.S. stock market capped off another period of robust gains, defying seasonal headwinds and broader economic crosscurrents. The S&P 500 advanced 7.8% for the quarter, marking its strongest September performance in over 15 years and ex
Pursue Your Financial Goals with Fee-Only Financial Advice and Wealth Management
When it comes to securing your financial future, clarity and trust are non-negotiable. That’s why fee-only financial advice—paired with comprehensive wealth management—offers a powerful framework for long-term success.
Rental Property Taxes: Cash Flow vs. Taxable Net Income
Understanding rental property taxes means knowing the difference between cash flow and taxable income. Learn how depreciation, mortgage interest, and principal payments impact your bottom line, and why IRS rules can make taxable income much lower than actual cash flow.
Estate Tax Exemption in 2025 and Beyond: What the OBBBA Means for Families
When it comes to wealth transfer and estate planning, few numbers are as closely watched as the federal estate tax exemption. This figure determines how much wealth can pass free of federal estate tax at death (or through lifetime gifts). With the passage of the One Big Beautiful Bill Act (OBBBA) in
Real Estate Investing: Fiduciary Strategies for Long-Term Wealth
Investing in real estate can be a valuable way to pursue long-term wealth building, depending on individual goals and circumstances. But...
Choosing the Correct Tax Filing Status
When it comes to preparing your tax return, one of the most important decisions you’ll make is selecting the right filing status. Your filing status determines your standard deduction, eligibility for certain credits and deductions, and ultimately how much tax you owe—or how much of a refund you may
Understanding Social Security’s 2025 COLA Adjustment
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
Social Security Tax Changes: Separating Fact from Fiction
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
What to Expect as a New Client at Rigden Capital 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
Labor Market Cooling: What Investors Need to Know
As an investment advisory firm, we are always keeping a close eye on economic indicators that can impact your portfolio. The latest labor market data, hot off the press from August 2025, paints a sobering picture that demands our attention. Federal Reserve Chair Jerome Powell’s recent focus on the l
Why Physical Real Estate May Not Belong in Your IRA
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
Diversification of Personal Wealth Beyond the Business: A Strategic Imperative for Entrepreneurs
Preserve Your Legacy and Protect Your Wealth: Strategic Diversification Beyond the Business for Long-Term Financial Confidence.
How Often Should You Review Your Insurance Policies?
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
Do Retirees Need to Make Estimated Tax Payments?
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
What Are Trump Accounts for Kids?
In early 2025, the “One Big Beautiful Bill” (OBBB) introduced a brand-new program designed to give children a financial head start: Trump Accounts for Kids. While the name comes from President Donald Trump, the legislation was ultimately championed by Senator Ted Cruz (R–Texas) and gained bipartisan
Creating a Financial Safety Net for Business Owners: A Strategic Approach to Long-Term Stability
Protect Your Business and Personal Wealth with a Customized Financial Safety Net Designed for Long-Term Resilience and Strategic Growth.
Market Update: Powell’s Jackson Hole Speech Signals Rate Cuts and Economic Vigilance
We are writing to provide you with a comprehensive update following Federal Reserve Chair Jerome Powell’s recent address at the Jackson Hole symposium. This annual event is a critical moment for gauging the Fed’s perspective on the economy, and this year’s speech was particularly significant given r
Parent-Owned 529s vs. Grandparent-Owned 529s: What Families Should Know
Saving for a child’s education is one of the most impactful financial gifts a family can give. A 529 college savings plan is often the go-to tool, thanks to tax-deferred growth and tax-free withdrawals for qualified education expenses. But one important decision can affect financial aid, taxes, and
Why Diversification Matters More Than You Think
According to academic research, most individual stocks underperform the market over their lifetimes, and many fail to outperform even conservative investments like Treasury bills.
Building Retirement Wealth Outside the Business: A Strategic Guide for Entrepreneurs
Secure Your Financial Future by Building Retirement Wealth Beyond Your Business with a Diversified, Tax-Efficient Strategy Tailored to Entrepreneurs.
Financial Aid vs. Loans: How to Minimize Borrowing for Your Child’s Education
Sending a child to college is one of the biggest investments many families make—and the choices you make now can impact their financial future for decades. By combining aid, smart school choices, and strategic use of savings, you can minimize how much borrowing is necessary.
Choosing the Right Business Entity for Tax Efficiency: A Strategic Guide for Business Owners
Optimize Your Business Structure for Tax Efficiency with a Strategic Entity Selection Plan Tailored by Experienced Wealth Advisors.
How (and Why) to Check Your Social Security Statement at SSA.gov
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.
Setting Up Tax-Advantaged Retirement Plans: A Strategic Guide for Long-Term Wealth Preservation
Maximize Retirement Wealth with a Customized, Tax-Advantaged Plan Designed for Long-Term Growth and Regulatory Confidence.
July 2025 Market Commentary
Overview July 2025 saw a dynamic U.S. market landscape shaped by mixed economic signals, corporate earnings, and Federal Reserve commentary. Investors navigated a complex environment with robust consumer spending, moderating inflation, and uncertainty around tariffs and monetary policy. The S&P 500
Labor Market Update: August 2025
Overview The July 2025 jobs report from the U.S. Bureau of Labor Statistics (BLS), released on August 1, has significantly altered the labor market outlook. Following June’s optimistic signals of stabilization, July’s data delivered a stark reversal, highlighting persistent cooling and heightened do
Unlocking the Power of a Health Savings Account (HSA): Triple Tax Advantages and Long-Term Potential
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
Integrating Personal and Business Financial Plans: A Strategic Imperative for Business Owners
Strategically Align Your Personal and Business Finances with a Comprehensive Wealth Management Plan Designed for Business Owners.
Sell or Rent? How to Decide What to Do with Your Primary Home or Condo
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
Business Succession Planning: Securing Your Legacy and Future Growth
Business succession planning ensures continuity, protects enterprise value, and minimizes tax exposure during leadership transitions.
Student Perspective: Will My Roth IRA Hurt My Financial Aid?
If you’re a student with a custodial Roth IRA from summer jobs or side gigs, you’re already ahead financially. But when applying for college financial aid, you might be wondering: Could that Roth IRA hurt your eligibility? Here’s what you need to know before filling out the FAFSA or CSS Profile. FAF
Parent Perspective: Does My Roth IRA Impact My Child’s Financial Aid?
As a parent, you’ve done the responsible thing: saved for retirement in a Roth IRA, and maybe even kept it in mind as a backup for college expenses. But if your child is applying for financial aid, you might be wondering: Will my Roth IRA hurt their eligibility? Here’s how your Roth IRA is treated u
Dollar Cost Averaging (DCA)
Dollar cost averaging is an investment strategy where you contribute a fixed amount of money at regular intervals—regardless of market conditions.
Medicare: Eligibility, Enrollment Periods, and How It All Fits Together
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
What Borrowers Need to Know About the SAVE Plan Forbearance Update
If you or your child are on the Saving on a Valuable Education (SAVE) income-driven repayment (IDR) plan, you may have recently received a notice from Federal Student Aid. With key legal developments impacting this repayment option, it’s essential to understand what’s changing—and what steps you can
Understanding the Rule of 72: How Compounding Can Impact Investment Growth
The Rule of 72 is one of the most powerful yet overlooked tools in personal finance.
Key Highlights in Trump’s "Big Beautiful Bill" and Their Impact on Your Finances
On July 4, 2025, President Donald Trump signed the "One Big Beautiful Bill Act," a comprehensive tax and spending package that introduces significant changes to the U.S. tax code and financial landscape. This legislation makes permanent the 2017 Tax Cuts and Jobs Act provisions, introduces new tax b
Five Key Impacts of the One Big Beautiful Bill Act
Changes for equity investors and potential actions to consider in response On July 3, 2025, Congress passed and on July 4th the President signed into law the “One Big Beautiful Bill Act” (OBBBA), a sweeping fiscal package aimed at tax reform, business incentives, and federal budget adjustments. Whi
Markets Have Strong 2nd Quarter
Global Market Commentary: Second Quarter 2025 In the second quarter of 2025, U.S. equity markets posted strong gains, buoyed by moderating inflation and resilient investor sentiment despite global trade tensions. A key driver of market movement was the evolving tariff landscape, with newly imposed l
Mid-Year Money Check: 7 Smart Financial Moves to Make in July
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
What the proposed 2025 Tax Law Means for Your Wealth: A Client’s Guide to Financial Readiness
The proposed 2025 Senate tax legislation introduces some of the most sweeping changes to tax policy since 2017—bringing fresh opportunities, potential pitfalls, and new strategies for preserving and growing wealth.
2025 Social Security and Medicare Trustees Report: What Retirees Need to Know
The recently released 2025 Social Security and Medicare Trustees Report offers a fresh look at the financial outlook of two of America’s most vital retirement programs. While the report confirms continued pressure on funding, it also underscores the importance of proactive retirement and healthcare
Why the First Years of Retirement Matter Most: Understanding and Reducing Sequence of Returns Risk
Introduction Retirement brings a welcome shift—from saving diligently to drawing down your nest egg. But it also introduces a new risk that many investors overlook: sequence of returns risk. Even if you’ve saved enough and invested wisely, poor market performance in the early years of retirement can
Our thoughts on the Israel/Iran conflict and the key associated risks.
Our Perspective Geopolitical events, like the current tensions between Israel and Iran, often trigger short-term market volatility. Historically, these reactions are brief, and markets typically return to their prior trends. We expect this situation to follow a similar path. What’s Happening Hostili
1031 vs. 721 Exchanges: Strategies for Real Estate Exit Planning
Both 1031 and 721 exchanges are valuable tools—but the right fit depends on your financial goals, time horizon, and appetite for active property management.
U.S. Labor Market Analysis: Cooling Trends and Policy Implications
Introduction The U.S. labor market has shown resilience amid economic challenges, but recent data indicates a steady cooling trend. This report provides a detailed, client-friendly overview of current labor market dynamics, broader economic indicators, and their implications for investors and policy
WEP and GPO Are Officially Repealed: What This Means for Your Social Security Benefits
In a major victory for retirees across the country, the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO) have officially been repealed. The Social Security Fairness Act (H.R. 82) was signed into law by President Biden on January 5, 2025, eliminating both provisions and re
The 3-Bucket Strategy for Retirement: A Simple Framework for Income
When it comes to building a sustainable income plan in retirement, managing risk and access to funds becomes just as important as generating returns. One popular approach that balances these priorities is the 3-Bucket Strategy—a framework that divides your retirement savings into three distinct “buc
Market Report: May
We want to provide you with a clear and concise update on the recent U.S.-China tariff de-escalation and its implications for the economy and your investments. Here’s what you need to know and our perspective on how to position your portfolio moving forward. Key Developments Tariff Relief: The U.S.
How Small Businesses Can Benefit from Offering a 401(k) Plan
For many small business owners, retirement planning tends to focus on their own future—but what about creating retirement opportunities for employees? Offering a small business 401(k) plan not only helps you secure your own financial future but also attracts and retains valuable talent in an increas
Labor Market Update: May 2025
Key Data Points April's labor market data showed resilience amid cooling trends: Non-farm Payrolls: +177k (vs. 138k expected, 120k whisper). Private Payrolls: +167k (vs. 125k expected). Revisions: Prior two months cut by 58k. Hours Worked: Flat at 34.3 (upwardly revised). Average Hourly Earnings: +0
The Value of Tax Loss Harvesting and Rebalancing During Volatility
In the world of investing, market volatility can be both a challenge and an opportunity. Two strategies that savvy investors use to navigate turbulent markets are tax loss harvesting and portfolio rebalancing. These techniques not only help manage risk but also have the potential to enhance returns
3 Questions to Ask Before Hiring a Financial Advisor
Choosing a financial advisor is a meaningful step toward building a confident and intentional financial future. Whether you're preparing for retirement, investing for long-term goals, or navigating a major life change, the right advisor can bring clarity, structure, and strategy to your decision-mak
Understanding Your W-4: What Tax Withholding Means for You
Taxes are a certainty—but surprise tax bills or unexpected refunds don’t have to be. One of the simplest ways to take control of your annual tax outcome is by understanding and adjusting your IRS Form W-4. Whether you’re starting a new job, going through a major life change, or just want more contro
Market Volatility
A dramatic shift in US tariff policy announced on April 2, coupled with ongoing global reactions, has left investors uneasy. The discomfort investors may feel amid current volatility stems from markets adjusting prices to ensure expected returns remain positive. Although sharp declines in stock pric
The Power of Dollar Cost Averaging
When it comes to investing, timing the market can feel like chasing a moving target. Market highs and lows can be unpredictable and emotionally taxing—especially during times of volatility. That’s where dollar cost averaging (DCA) can help investors stay on track, stay disciplined, and invest with c
Backdoor Roth IRA vs. Roth Conversion vs. Regular Roth Contribution: What’s the Difference?
When building a long-term retirement plan, Roth IRAs are often part of the conversation due to their tax-free growth and tax-free qualified withdrawals. But there are multiple ways to get money into a Roth IRA—and they are not all the same. Let’s break down three distinct strategies: Backdoor Roth I
The Importance of Periodic Financial Check-Ups: How a CERTIFIED FINANCIAL PLANNER™ Professional Can Help
Financial planning is not a one-time event—it’s an ongoing process that requires regular attention. Life circumstances, market conditions, and tax laws change over time, making periodic financial check-ups an essential part of maintaining a well-structured financial plan. Why Financial Check-Ups Mat
How to Use ETFs and Modern Portfolio Theory to Build a Diversified Portfolio
Building a well-balanced investment portfolio requires more than just picking individual stocks. Investors who want to optimize their risk-adjusted returns often turn to exchange-traded funds (ETFs) and Modern Portfolio Theory (MPT)to create a diversified, efficient investment strategy. This article
Modern Portfolio Theory: How to Optimize Your Investment Portfolio
Investing is not just about picking the right assets—it’s about how those assets work together to achieve an optimal balance of risk and return. One of the most widely used frameworks in investment management is Modern Portfolio Theory (MPT). Developed by economist Harry Markowitz in 1952, MPT provi
Understanding ISOs, NQSOs, and RSUs: Key Differences and Tax Implications
When it comes to equity compensation, companies often offer employees stock-based incentives to align interests and reward performance. Three common forms of equity compensation are Incentive Stock Options (ISOs), Non-Qualified Stock Options (NQSOs), and Restricted Stock Units (RSUs). While they sha
The Big Picture: What Lies Ahead?
For those of you transitioning to Rigden Capital Strategies, we want to assure you that while we’re working to relink your accounts, we’re keeping a close eye on the markets. We expect to have Client Agreements ready to link to your accounts within the next few days. For our planning clients, we’ll
History tells us 73% of the time the markets are positive
Market uncertainty is at the forefront, and the volatility is evident as prices swing wildly. The VIX, often called the market's "fear gauge," reached a year-to-date peak on Tuesday (3/4/25), surging over 50% in the past month alone. While we could dive into a flurry of statistics, let’s step back a
Market Outlook - March 2025
Investing can feel like a rollercoaster, especially when economic news and speculation about the state of the economy shift. Our advice? Stay disciplined—stick to your long-term plan and don’t let short-term noise throw you off. We’re watching the markets closely, analyzing the latest data, and adju
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