Personal Insights

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Financial Considerations for a Career Transition

Whether voluntary or not, career moves may require temporary adjustments to your finances.

There's no need to think of job loss as the worst-case scenario or to feel like events are out of your control.

Understanding Personal Liquidity

Personal liquidity plays a key role in your financial health. Learn how to maintain the right liquidity ratio while pursuing growth.

As you evaluate your personal finances and create a financial plan, your personal liquidity can be a helpful metric to consider.

3 Smart Ways To Invest in CDs

Learn how to invest in CDs as a way to help you maximize savings while maintaining liquidity.

By staggering the maturity dates of CDs, you can capitalize on longer-term growth options while having access to liquid funds.

Are CDs a Good Investment For Retirees?

In today's high-rate environment, are CDs good for retirement income? Explore the benefits and drawbacks.

CDs provide a fixed interest rate over a specified period—one that's often higher than what a traditional savings account may offer.

Certificates of Deposit: The Benefits of CDs

Certificates of deposit are a popular financial instrument. Here's how to determine if a CD is right for your goals.

Whether you're saving for a down payment on a home or simply building your nest egg, understanding the role CDs can play in a diversified portfolio is a great step toward making more informed financial decisions.

5 Steps to Ensure a Smooth Estate Transition

Ease life for your heirs by getting your estate planning documents organized.

While you hope your kids never have to face a loss or sudden emergency, you can take steps now to help ensure they'll have support and clarity if the time comes for them to oversee your estate.

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 sizeable estates—should be aware of.

What To Know When Choosing an Executor

Having a will is important, but you need the right executor to see your instructions through.

The process may seem straightforward, but the choice might not be as obvious as you think.

Will 2024 Be a Good Time To Buy a House?

From mortgage rates to housing prices, here's what homebuyers can expect from the housing market in 2024.

There's some good news for aspiring homebuyers: The boom times for sellers may be coming to an end.

2024 Likely to Bring Continued Readjustment

Bank experts foresee calmer markets in housing, equity investments, labor markets and more for 2024.

If attitudes in 2023 were fueled by anxiety over Fed rate hikes, 2024 is shaping up to be a year of anxiety over the impact of politics on economic growth trends.

Latest Financial Scams in 2024

Be able to recognize and respond to new financial scams on the rise in 2024.

Fraudsters attempt to invoke an emotional reaction and create a sense of urgency to steal user IDs, passwords and security codes.

Introducing Your Children to Your Advisor

Opening lines of communication with your children about family financial planning is important regardless of their age.

Advisors say it's never too early for children to meet the family financial advisor, but those encounters—and their benefits—will look significantly different depending on your children's ages.

Consider Insurance for Your Pet

Prepare for vet bills with pet insurance that covers your furry friends and aligns with your budget.

When shopping for pet insurance, be sure to get multiple quotes so you can choose the best value and coverage for your budget.

Make Smart Decisions About Your Work Benefits

Ask yourself these questions as you prepare for open enrollment season.

If something happens that makes you unable to work, it likely will have a financial impact not only on you but also on your parents, siblings, spouse and children.

How To Maximize FDIC Coverage on Deposits

Learn how account titling can help you maximize FDIC coverage and protect your money.

The rules get a little more complex when you have more than $250,000 deposited in an FDIC-insured bank, but there are ways to stay protected.

First-Time Homebuyer's Guide: Steps to Buying a House

Dreaming of homeownership? Explore the steps involved with buying a house, as well as tips and resources for first-time buyers.

As you navigate the homebuying process, know that there are resources available to help you along the way.

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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.

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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.

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.

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