Personal Insights

Explore insights for your lifestyle

How to open an IRA

With just five simple steps, opening an IRA is easier than you think.

Anyone who has earned income during the year can make contributions to a traditional or Roth IRA, although Roth accounts have income limits.

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.

Can you spot the signs of a scam?

Learn about the latest financial scams targeting consumers, as well as tips to avoid them.

Protecting yourself starts with staying vigilant and understanding the most common financial scams targeting consumers.

What's the best way to save money?

Compare savings options to decide where your next dollar should go.

A good next-dollar strategy depends on your timeline, priorities and how much flexibility you'll need along the way.

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.

5 budgeting methods to try

Learn how to simplify your finances with percentage-based budgeting rules.

Percentage-based budgeting offers a simpler, more flexible approach by helping you manage your money without tracking every dollar.

The benefits of personal financial planning

Learn how financial planning helps you turn your goals into an action plan.

A personal financial plan is a road map for smart money management.

How to avoid investment scams

Investment scams are on the rise. Here's how to protect yourself.

Fraudsters are increasingly using technology, including AI and spoofing tools, to carry out their schemes.

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.

Financial planning for new parents

Here's how to financially prepare for a baby in eight steps.

Whether you're currently expecting, adopting or just planning ahead, there are a few things you can do to get ready.

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.

Guide to down payments

Learn more about mortgage down payment requirements if you're looking to buy a house.

This guide explains what to know about mortgage down payments and how much you may actually need.

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The ins and outs of a mortgage rate checkup

A rate checkup 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.

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Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

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