Tax Planning

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 strategies as circumstances shift. A recent planning review illustrates how revisiting assumptions and exploring available options can help clients better understand potential tradeof

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 deductions may be valued in the years ahead, making strategic year-end planning especially valuable. While charitable giving starts with generosity, thoughtful coordination can help you

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 Savings Account (HSA). At Rigden Capital, we often see clients shy away from HDHPs. The acronyms alone can be inducing, and the concept of a "high deductible" sounds antithetical to

tax planning

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 confidence. Below, you’ll find two tailored checklists—one for individuals still in their working years and another for those enjoying retirement. For Working Individuals: Positioning for

The SECURE Act 2.0, signed into law in late 2022, introduced several updates to retirement and education savings. One provision that has...

October 8th is  World Financial Planning Day  — a global reminder of the value of taking time to review your financial goals and...

For retirees who give charitably, Qualified Charitable Distributions (QCDs) are one of the most tax-efficient ways to support a cause....

Most retirement savers know that withdrawing from an IRA or 401(k) before age 59½ generally triggers a 10% early withdrawal penalty, in...

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.

When it comes to wealth transfer and estate planning, few numbers are as closely watched as the federal estate tax exemption. This figure...

When it comes to preparing your tax return, one of the most important decisions you’ll make is selecting the right filing status. Your...

When Congress passed the 2025 “One Big Beautiful Bill” (OBBB), the headlines came fast and loud. Some news outlets and even a Social...

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 receive income from multiple sources that may not have withholding automatically applied. For more information, check out the IRS Tax Withholding and Estimated Tax . Common Retirement I

In early 2025, the “One Big Beautiful Bill” (OBBB) introduced a brand-new program designed to give children a financial head start: ...

Protect Your Business and Personal Wealth with a Customized Financial Safety Net Designed for Long-Term Resilience and Strategic Growth.

Optimize Your Business Structure for Tax Efficiency with a Strategic Entity Selection Plan Tailored by Experienced Wealth Advisors.

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...

On July 4, 2025, President Donald Trump signed the "One Big Beautiful Bill Act," a comprehensive tax and spending package that introduces...

Changes for equity investors and potential actions to consider in response  On July 3, 2025, Congress passed and on July 4 th  the...