Retirement | Personal Insights | First Citizens Bank

Retirement

Roth or traditional IRA: Which is right for you?

Understand the main differences between Roth IRAs and traditional IRAs.

While both offer a tax-advantaged way to save for retirement, they vary in when you receive tax benefits, income eligibility and withdrawal rules.

Retirement

How to save for retirement: The complete guide

Learn how to save for retirement and reach your goals in seven steps.

Saving for retirement starts with setting a clear goal, choosing the right tax-advantaged account and contributing consistently over time.

Retirement

How retirement savings rules are changing in 2026

Here's a closer look at the latest retirement plan limits and rule changes.

Retirement contribution limits change regularly, and the 2026 updates may create new opportunities when planning for retirement.

Retirement

Comparing retirement plans for the self-employed

Explore the pros and cons of the five most popular retirement plans for the self-employed.

Learn about these retirement plans for the self-employed to decide which option best fits your financial situation and long-term goals.

Retirement

Is a rollover IRA right for you?

Here's how to decide if a rollover IRA is the right choice for your circumstances.

While rolling over a 401(k) or other employer-sponsored retirement plan into an IRA is generally quick and relatively simple, there are some nuances to consider.

Retirement

Tips to ease retirement fears

Alleviate your fears of running out of money in retirement with these strategies.

If you can afford to do so, plan for a retirement that exceeds your life expectancy.

Family

What can a trust do for you?

Trusts are very different from wills, and different types of trusts can be used to accomplish different types of goals.

Trusts are like a Swiss Army knife: powerful and versatile planning tools that most people—especially those with complex or sizable estates—should be aware of.

Retirement

Build on the basics with retirement income 201

Advanced steps could help customize and stabilize your retirement income planning strategy.

As retirement income strategies become more advanced, the more likely it is that you’ll need professional tax help.

Retirement

Jump-start your retirement savings with these tips

Applying a few simple tactics to save for retirement can help you enrich your next egg as you reach each life milestone.

When it comes to saving for retirement, there's no time like the present. The sooner you start saving, the more time your retirement nest egg will have to grow.

Saving

HSA rules change over time

As you reach certain milestones, the rules for tapping the tax advantages of an HSA may change.

These tax-sheltered accounts are growing in popularity, and it's important to understand all the health savings account rules because they shift as you age or reach certain lifestyle milestones.