Bond-based public program would save retirement, Ric Edelman says The RISE accounts Edelman is proposing would be funded initially by $5,884, and people would be able to begin receiving retirement income checks starting at age 70. February 12, 2021 2 MINS A proposal from Edelman Financial Engines co-founder Ric Edelman seeks to solve the retirement savings crisis through a savings bond program for newborns. The idea, Retirement Income Security for Everyone, or RISE, could increase income levels in retirement by 250%, Edelman said. With accounts funded initially by $5,884, people would be able to begin receiving retirement income checks starting at age 70 that augment what they get from Social Security and their 401(k) plan.