Personal Insights

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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.

Unique Retirement Challenges Women Face

Discover some of the challenges women face in their retirement planning, from wage gaps to caregiving.

According to one recent survey, only 19% of women felt confident they were on track to retire without running out of money, compared to 35% of men.

Learn the Basics with Retirement Income 101

Our experts share basic tips for managing your money just before and after you retire.

No matter how many income streams end up on your list, they're going to fit into one of two categories: It's either fixed or variable income.

Self-Directed Investing Fundamentals

Even with a self-directed account, a professional approach can help you successfully manage your portfolio.

Even as tools like direct-investing apps and robo-advisors have become increasingly popular, many investors are realizing that doing it yourself is as much of a responsibility as an opportunity.

What to Consider When Buying a Second Home

Learn how buying an investment or vacation home differs from purchasing a primary residence.

Second homes and investment properties require higher reserves and more of a down payment than a primary home, and you need to be prepared for that upfront.

The Importance of Watching Out For Scams

Can you recognize impostor scams and scam callers?

Learn to recognize the signs of a scam call so you can protect yourself and your money from a social engineering attack.

How to Manage Retirement Money in Uncertain Times

If you're on a fixed income or are about to retire, managing your money effectively is a necessity.

Your retirement is as good as your plan.

ARMs Versus Temporary Buydowns

When looking for a lower interest rate on a loan, shop around and consider all options before deciding.

Not all loans are created equal.

Do You Need Accidental Death and Dismemberment Insurance?

Consider buying insurance to protect your family's finances in case of an accident.

You could purchase an accidental death and dismemberment policy by itself, although it's generally offered as an add-on to a basic disability or life insurance policy.

When Will You Be Able to Retire?

It's all about having a plan that matches your goals and circumstances.

Before you know whether you'll have enough money saved to retire, you need to have an idea of what your dream retirement looks like.

6 Tips for Handling Finances in a Blended Family

Pay particular attention to beneficiary and estate planning.

Family dynamics are easy to overlook because they're not directly related to money, but they could be a big impetus for separating or protecting assets.

Say More, Risk Less: What to Tell Your Financial Advisor

Open conversations about what's happening in your life can deepen the value of financial advice.

While these questions may seem personal, from a planner's point of view they're standard—and important.

Test Your Retirement Plan Before You Retire

You can stress test or even test drive your retirement plan to determine whether it still fits your desires.

What is your purpose, what is your passion? We ask a lot of these questions to get to know you.

Ages and Stages of Saving for Retirement

Your approach to saving for retirement may shift over time as your life changes.

Starting early on retirement savings can help you form financial discipline that will last throughout your working days.

What Can the Financial Trends of 2022 Tell Us About 2023?

Our experts share their takeaways from inflation, volatility and more.

Inflation is important not only because it can impact your budget, but because the ways the federal government seeks to control it can also impact your financial life.

The Pros and Cons of Annuities

Annuities can help you address the risk of outliving your assets, making them a valuable tool in retirement planning.

If you're looking for a steady stream of income during retirement, this is the benefit an annuity will provide.

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This information is provided for educational purposes only and should not be relied on or interpreted as accounting, financial planning, investment, legal or tax advice. First Citizens Bank (or its affiliates) neither endorses nor guarantees this information, and encourages you to consult a professional for advice applicable to your specific situation.

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