Personal Insights

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Add Flexibility to Your Work-Life Balance

Balancing your work life with personal issues like caring for a parent can be challenging.

Experts suggest keeping your work life and caregiving responsibilities as separate as possible.

A Primer on Balancing Pretax Contributions

Both 401(k)s and health savings accounts have different advantages and disadvantages to consider.

An HSA has the capability of having a triple tax advantage, which is why it's so useful.

How to Maximize Year-End Charitable Giving

Any time is a good time to carefully consider how you can best benefit yourself and the institutions you want to help.

Start by considering which causes you care most about. Is it access to education, animal welfare or maybe the arts?

Is Your Life Insurance Keeping Up With Your Life?

Your insurance should change as your earnings, lifestyle and family situations change.

Think of life insurance as the foundation of your financial house.

How to Budget for Vacation

Making a budget and being flexible can help you save on your next trip.

Creating a budget for a vacation is more than just putting money away. It's about finding savvy ways to save on every aspect of your vacation.

Want to Improve Your Financial Stress and Mental Health?

Pay attention to your wallet. Financial stressors can greatly impact mental and physical health.

A majority of Americans surveyed say money is a significant source of stress in their lives.

How to Combat Online Identity Theft

Follow these best practices to reduce your risk of identity theft.

As you engage with service providers online, post on social media and upload your information on different websites, identity theft will continue to be a risk.

Stop Fearing a Credit Check for Employment

Stressed about how a credit check for employment could impact your career? Fear not.

Any employer that wants to conduct a credit check for employment must secure your written approval to do so.

Ways to Beat Fall Financial Stress

There are many ways to manage the stress that comes with weather changes and holiday prepping.

Fortunately, once you've identified what's causing you anxiety, there are ways to manage your stress—both financial and emotional.

How to Manage and Pay for Long-Term Care for Parents

Managing care for an ailing parent should start with important conversations.

If your parents already need significant care—or may soon need more—the time to plan is now.

Here's When You Should Write a Personal Check

Sometimes, writing out a check is the best way to go.

Depending on the circumstances, personal checks can offer advantages over digital methods.

Debt Consolidation: What to Consider as Rates Rise

With interest rates projected to rise even further, is now the right time to consolidate debt?

Debt consolidation with lower interest can help you pay down your debt more quickly.

Getting Ahead Financially Means Smart Personal Financial Planning

Learning the basics of personal financial planning will help you reach your goals faster.

Your first attempt to create a financial plan doesn't need to be detailed or complicated.

Learn How to Make a Budget That Helps You Achieve Your Financial Goals

A budget gives you a realistic picture of your finances and helps you set future goals.

Once you've established a budget, the next challenge is sticking to it.

Make an End-of-Life Checklist for Peace of Mind

Use these tips to build an end-of-life checklist for when a loved one dies to help avoid surprises.

Without a death certificate, you'll be unable to proceed with the most important steps you need to take when your loved one dies.

Paying Off Student Loans: Here's How

There is no one best way to pay off student loans. Here's how to find the right method for you.

If you have certain federal student loans, you may qualify for an income-based repayment plan or a pay-as-you-earn plan.

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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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