Wealth Insights

Helping you navigate your financial future

All Business Owner Interest Insights Planning Insights Retirement Insights Wealth Video Insights Technology Insights Insurance Insights Estate Planning Insights Philanthropic and Charitable Insights Liquidity Insights Archive Tax Planning Insights INTEL Insights
Tax Planning

Tax-Loss Harvesting: A Smart Tax Move for Investors

Tax-loss harvesting is a smart way to use capital losses to help minimize capital gains taxes.
Tax-loss harvesting can be a smart way to make your portfolio more tax-efficient. However, it's a strategy that requires careful tracking and timing.

Walt Reed

First Citizens Director of Trust & Estate Tax

Tax Planning

Navigating Capital Gains Taxes

Understanding how capital gains taxes work and ways to minimize them is essential for making more informed investment decisions.
While you can't completely avoid taxes on successful investments, you can take steps to reduce your capital gains taxes.

Walt Reed

First Citizens Director of Trust & Estate Tax

Liquidity

Understanding employee liquidity options prior to an IPO

Accessing liquidity as an employee of a pre-IPO company can involve a series of financial calculations. Knowing your options can help you make sound decisions.
The world of liquidity has shifted for employees and founders of pre-IPO companies throughout the innovation sector during the last 10 years.

Ann Lucchesi

Senior Director

Liquidity

Negotiating Liquidity Needs at a Growing Company

Understanding all perspectives can help you balance employee, investor and business needs.
At almost every stage along the path to an IPO, venture-backed companies can face the pressure of liquidity for founders, employees and even early investors.

Ann Lucchesi

Senior Director

INTEL

2024 Changes to Real Estate Commission Payments

In August 2024, changes to residential real estate agent commissions went into effect. Learn the potential impacts on home purchases and sales.
In late August 2024, the National Association of Realtors, or NAR, made several changes to real estate agent commissions and disclosures to make realtor compensation more equitable and transparent for home buyers and sellers.
Liquidity

Navigate Your Short-Term Liquidity Options

Learn about your short-term liquidity options and how they can be used as timely, cost-effective solutions.
If you want to avoid the high rates of cash advances and most of your cash on hand is invested—you may want to explore other options for short-term liquidity.
Liquidity

Options for Secondary Market Private Shares

The secondary market is useful in gaining liquidity for private shares. But options and financial implications need to be understood before choosing a strategy.
A critical first step is to be clear about your motivation and goals for a liquidity event on the secondary market.

Ann Lucchesi

Senior Director

Tax Planning

Prepare Your Finances for the Presidential Election Result

Be aware of the major taxation proposals and their potential impacts based on results of the upcoming presidential election.
The most effective way to build a proactive tax strategy is to review each candidate's policy proposals individually. Then, identify actions you can take into 2025, and align your portfolio for future growth.
Planning

Navigating Changes to Student Loan Forgiveness

Explore strategies to help you understand and adjust to the shifting landscape of student loan forgiveness.
Being proactive can help you address the continuing uncertainties around student loan forgiveness and adapt your financial plan accordingly.

Nerre Shuriah

JD, LLM, CM&AA | Senior Director of Wealth Planning

Planning

Carried Interest Strategies for Trust Planning

Learn how private equity and venture capital fund general partners can leverage carried interest and navigate IRS regulations for effective estate planning.
In addition to helping meet the often-complex needs of private equity and venture capital funds, carried interest has the potential to represent significant value to fund partners.

Ann Lucchesi

Senior Director

Tax Planning

Year-End Tax Strategies for 2024

Explore ten practical tax strategies to consider as 2024 winds down.
Working alongside your financial, tax and estate advisors, you can use these end-of-year tax strategies to determine the most effective approaches for your financial plan.
INTEL

Stock Redemption Agreements No Longer Reduce Tax Liabilities

A 2024 Supreme Court ruling means death benefit proceeds from company-owned shareholder insurance increase taxable estate value.
The June 2024 Supreme Court decision in Connelly v. Internal Revenue Service held that a corporation's stock redemption agreement doesn't offset the value of life insurance policy proceeds applied to fund the redemption.
Philanthropic and Charitable

A Guide to Donor-Advised Funds

Learn how a donor-advised fund may be a tax-smart way for you to help maximize your charitable giving efforts.
A donor-advised fund is a charitable giving vehicle that allows individuals, families or businesses to make tax-deductible contributions to a sponsoring organization—typically a community foundation or nonprofit.

Hank Dunbar

Charitable & Philanthropic Services Manager

Planning

How to Maximize Deductible Interest Expense

Learn the rules, opportunities and risks associated with the deductibility of interest.
As you optimize your cash flow and debt, you can specifically seek opportunities to save based on the deductibility of interest costs.

Ann Lucchesi

Senior Director

INTEL

Understanding New Retirement Plan Legislation

2024 kicked off a new wave of retirement plan changes under the SECURE Act 2.0. Here are the critical updates to know.
The SECURE Act 2.0 changes affect the regulations governing qualified retirement plans, individual retirement accounts and 529 education savings plans.
Liquidity

Navigating Mortgages as a Founder

Learn these strategies to make home financing a simpler, smoother process as a founder or entrepreneur.
Tax implications are a key consideration when obtaining a new loan.

Jason Beacham

Director, Product Management

Showing 1 - 16 of 61 results

Showing 1 to 16 of 61 results

Featured publication

Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

Insurance products offered in California are offered by First Citizens Investor Services, Inc., d.b.a. FCIS Insurance Solutions, Agency #6001908.

Your investments in securities and insurance products and services are not insured by the FDIC or any other federal government agency and may lose value.  They are not deposits or other obligations of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amounts invested. There is no guarantee that a strategy will achieve its objective.

About the Entities, Brands and Services Offered: First Citizens Wealth™ (FCW) is a marketing brand of First Citizens BancShares, Inc., a bank holding company. The following affiliates of First Citizens BancShares are the entities through which FCW products are offered. Brokerage products and services are offered through First Citizens Investor Services, Inc. ("FCIS"), a registered broker-dealer, Member FINRA and SIPC. Advisory services are offered through FCIS, First Citizens Asset Management, Inc. and SVB Wealth LLC, all SEC registered investment advisors. Certain brokerage and advisory products and services may not be available from all investment professionals, in all jurisdictions or to all investors. Insurance products and services are offered through FCIS, a licensed insurance agency. Banking, lending, trust products and services, and certain insurance products and services are offered by First-Citizens Bank & Trust Company, Member FDIC, and an Equal Housing Lender, and SVB, a division of First-Citizens Bank & Trust Company. icon: sys-ehl

All loans provided by First-Citizens Bank & Trust Company and Silicon Valley Bank are subject to underwriting, credit and collateral approval. Financing availability may vary by state. Restrictions may apply. All information contained herein is for informational purposes only and no guarantee is expressed or implied. Rates, terms, programs and underwriting policies are subject to change without notice. This is not a commitment to lend. Terms and conditions apply. NMLSR ID 503941

For more information about FCIS, FCAM or SVBW and its investment professionals, click the links below:

FirstCitizens.com/Wealth/Disclosures

SVB.com/Private-Bank/Disclosures/Form-ADV

See more about First Citizens Investor Services, Inc. and our investment professionals at FINRA BrokerCheck.

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.

First Citizens Bank is a Member FDIC and an Equal Housing Lender icon: sys-ehl.

NMLSR ID 503941