Personal Insights

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Securing Your Financial Future During Uncertain Times

Take back control during an economic downturn by making strategy retirement investment moves.

Focus on some smart strategies to protect your retirement savings during periods of economic uncertainty and stock market volatility.

How to Start Investing

These tips will teach you how to get started with investing, even as a complete beginner.

It's important not to put all your investment eggs in one basket.

Do Your Kids Need a Roth IRA?

Opening a Roth IRA for your kids can be a great way to save for college.

For many families, a Roth IRA may be a better savings choice than a 529 plan.

Myths of Diversified Investments

Diversifying correctly means your investments won't all react the same way to market events.

Just like any good thing, it's possible to overdiversify or to make mistakes in your strategy.

Know the Difference Between a CD and a Savings Account

Find out what you need to consider about each to help you meet financial goals.

CDs and savings accounts have similarities and differences, and both can be used jointly as part of a larger strategy.

Find Your Own Path to Retirement Savings

Find the retirement account that works for you, regardless of whether your employer offers a 401(k).

Increase your retirement contribution each year, much like you would a pay raise.

What You Need to Know About Buying a Fixer-Upper

Buying a fixer-upper is a big decision, so know what you're in for before you commit.

With fixer-uppers, you don't know what you don't know—and neither do your contractors.

An Investment Pro Working for You

A portfolio manager can help make the most of your savings as you work toward your financial goals.

Historically, portfolio managers generate the types of returns that are helpful in achieving goals of any scope.

How to Choose Between a Roth IRA or 401(k)

Roth IRAs and 401(k)s can both be great accounts for growing your retirement savings.

Roth IRAs and 401(k)s offer significant tax benefits, but they do so in different ways.

Taking Stock Market Volatility in Stride

Wall Street occasionally experiences increased market volatility. So how should you react?

Investing based on long-term strategy and goals will help you see the best returns.

Create a Family Budget to Teach Financial Discipline

Financial discipline for families can be a challenge, but a budget helps you stay on track.

You can make financial discipline as a family easier by making smart choices and forming positive habits.

The Ins and Outs of a Mortgage Rate Check-Up

A rate check-up can help you see if there are mortgage opportunities that are a better fit for you.

A mortgage rate check-up is the process of researching what types of mortgage loans exist in the market today.

New Ways to Give This Holiday Season

These budget-friendly gift-giving ideas can spark inspiration for a meaningful season.

There are many ways to create meaningful gifts that have more to do with the heart than money.

How the Banking System Works

The banking system helps us keep up with the full range of our financial needs.

These days, more and more banks offer extensive digital services.

What's Your Risk Tolerance?

Risk tolerance is the most important factor in deciding where to put your money.

You can't build a workable investment portfolio until you know your risk tolerance.

Protect Your Money During a Divorce

Money is an integral part of family life, which is why it's important to consider it during a divorce.

Conversations about how to handle finances while separating from your spouse may not be easy.

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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.

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