Personal Insights

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The Importance of Watching Out For Scams

Can you recognize impostor scams and scam callers?

Learn to recognize the signs of a scam call so you can protect yourself and your money from a social engineering attack.

How to Manage Retirement Money in Uncertain Times

If you're on a fixed income or are about to retire, managing your money effectively is a necessity.

Your retirement is as good as your plan.

ARMs Versus Temporary Buydowns

When looking for a lower interest rate on a loan, shop around and consider all options before deciding.

Not all loans are created equal.

Do You Need Accidental Death and Dismemberment Insurance?

Consider buying insurance to protect your family's finances in case of an accident.

You could purchase an accidental death and dismemberment policy by itself, although it's generally offered as an add-on to a basic disability or life insurance policy.

When Will You Be Able to Retire?

It's all about having a plan that matches your goals and circumstances.

Before you know whether you'll have enough money saved to retire, you need to have an idea of what your dream retirement looks like.

6 Tips for Handling Finances in a Blended Family

Pay particular attention to beneficiary and estate planning.

Family dynamics are easy to overlook because they're not directly related to money, but they could be a big impetus for separating or protecting assets.

How Do Home Construction Loans Work?

Home construction loans are quite different from standard mortgages. Here's how.

Unlike a mortgage, a construction loan acts more like a short-term line of credit.

Say More, Risk Less: What to Tell Your Financial Advisor

Open conversations about what's happening in your life can deepen the value of financial advice.

While these questions may seem personal, from a planner's point of view they're standard—and important.

Test Your Retirement Plan Before You Retire

You can stress test or even test drive your retirement plan to determine whether it still fits your desires.

What is your purpose, what is your passion? We ask a lot of these questions to get to know you.

Ages and Stages of Saving for Retirement

Your approach to saving for retirement may shift over time as your life changes.

Starting early on retirement savings can help you form financial discipline that will last throughout your working days.

The Pros and Cons of Annuities

Annuities can help you address the risk of outliving your assets, making them a valuable tool in retirement planning.

If you're looking for a steady stream of income during retirement, this is the benefit an annuity will provide.

Beware of These Common Investing Mistakes

You take your car in for service and hire contractors to renovate your house. The same logic applies to investing.

If you started investing without a plan, it's not too late to put one in place.

Have You Considered CD Laddering as a Savings Strategy?

CD laddering is ideal for those who want FDIC-insured savings, higher interest rates and protection from market risk.

With CD laddering, you invest money in multiple CDs with different maturity levels instead of investing in one CD and waiting for it to mature.

Considering Differences Between Rewards Cards

Comparing rewards programs can help you find the right credit card for your goals and spending style.

The most common rewards cards offer one of three types of benefits: cash back, travel miles or rewards points.

Follow These Rules on Gifting Money to Family

Financial gifts can help both you and the recipient, but it's also important to discuss specifics with both a financial advisor and tax professional.

A financial gift to a child can help teach them basics about money or even the stock market.

4 Things to Know When Receiving an Inheritance

Minimizing taxes on any inheritance you receive can leave you more to use for your needs.

For some, an inheritance may be more complicated than simply being handed a stack of money.

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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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