Personal Insights

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Two Strategies to Pay Off Your Credit Cards

If you're looking for a pay-down strategy for your credit cards, consider a debt avalanche or a debt snowball.

Using these strategies can help you get a handle on your credit cards and pave the way to a lower-debt future.

Practical Steps You Can Take to Lower Your Premium

Want to lower your car insurance premium? Here's what you need to know.

It never hurts to get on the phone and ask your insurance agent if there are ways to reduce your premium.

Financial Power of Attorney for Your Young-Adult Kids

You may still want access to your child's financial accounts and healthcare records after they turn 18.

If your child goes off to college and has to visit an emergency room, the hospital might not know to contact you.

6 Ways to Use a 529 Plan

A 529 plan isn't only for tuition. A number of other education-related expenses qualify.

Providing your child with a 529 college savings plan is a great way to help them fund higher education expenses.

Build a Disability Income Insurance Policy

Disability insurance riders allow you to customize your policy to reflect your priorities.

The advantage of purchasing riders for your disability income policy is that you only pay for what you need, or what you think you'll need.

Investment Types You Should Know

There's a wide variety of investments you can use to put your money to work for you.

Here are 10 types of investments you may want to consider as you put together your strategy.

Investing for Retirement

You may not consider yourself wealthy, but you could have more wealth than you think.

The key to successfully investing for retirement is optimizing your assets for the future.

Should You Invest in Real Estate Investment Trusts?

Real estate investment trusts provide a useful entry to real estate investing.

Real estate investment trusts are companies that develop and run income-producing properties.

Trusts Versus Wills: What's the Difference?

Two of the most common legal documents specifying who inherits what can have different uses.

Generally, the more money or property you have, the more it may make sense to use a trust.

Diversity, Equity and Inclusion at First Citizens

Simone Hardeman talks about First Citizens' diversity, equity and inclusion initiatives.

At First Citizens, our DEI initiatives are focused on building a culture of inclusion.

Why Tax Planning Should Be More Than a Yearly Practice

Thinking long term allows you to build wealth and a legacy for you and your family.

The tax bracket you're in this year may change next year or in the years to come.

Don't Be a Victim of Phishing

What is phishing, and how do you prevent phishing attacks? Watch this video for five simple ways to detect and avoid phishing attempts.

Fraudsters trick people into revealing their personal information.

4 Tips to Keep Your Passwords Safe Online

Strong password management helps protect you from cyberattacks. Watch this video for tips to keep your passwords secure.

Keep your passwords confidential. You should never share them with anyone!

IRA Withdrawal Rules You Need to Know

If your early IRA distributions aren't permitted, you could be penalized.

Roth IRAs are subject to some rules that are different from traditional IRAs.

Plan Financially For Your Kids to Return Home

These strategies can help you get ahead of your kids returning home after college.

A lifetime trust can help pay for things like college, healthcare and emergency expenses.

Stocks or Bonds: Which Makes Sense for You?

Here's how to find the right investment for all your different financial goals.

Bonds are typically a more stable, predictable investment than stocks.

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This material is for informational purposes only and is not intended to be an offer, specific investment strategy, recommendation or solicitation to purchase or sell any security or insurance product, and should not be construed as legal, tax or accounting advice. Please consult with your legal or tax advisor regarding the particular facts and circumstances of your situation prior to making any financial decision. While we believe that the information presented is from reliable sources, we do not represent, warrant or guarantee that it is accurate or complete.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

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