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Financial Guidance

Whether you’re saving for retirement or planning for other important financial goals, these resources from Citi can help you prepare for life’s big and small milestones.

Featured Articles

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personal finance

Your 2022 Tax Planning

Why put off until tomorrow what can save you money today? To help you better understand where to begin with tax planning, Citi Personal Wealth Management has outlined areas to consider when starting to think about how to confidently grow and protect your wealth in 2022 and ...

Read More on Your 2022 Tax Planning

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investing

Five Things to Remember in Volatile Markets

Since 1980, the S&P 500 has experienced intra-year corrections of over 10% in 22 separate years but has finished the year with a negative annual return in just 8 of those years (or 36 percent of the time). Nearly all of those years were associated with U.S. recessions (1981, ...

Read More on Five Things to Remember in Volatile Markets

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retirement

Comparison – Traditional vs. Roth IRAs

Learn about the factors to consider when choosing an IRA.

Read More on Comparison – Traditional vs. Roth IRAs

Mature adult man on the phone looking concerned

trust & estate

Key Steps to Take After a Loved One Passes Away

The following guide will provide an overview of some key items to keep in mind when it comes to death and finances.

Read More on Key Steps to Take After a Loved One Passes Away

young woman smiling

family & money

College Financial Aid: What is it and How Do You Get More?

Learn the four common misconceptions many parents have about financial aid, how financial aid is calculated and ways to improve aid eligibility.

Read More on College Financial Aid: What is it and How Do You Get More?

older couple sitting on beach smiling

insurance & long-term care

Life Insurance: More Than Just Protection for Your Family

Life insurance’s primary purpose is widely known: To help ensure your family’s financial security if you die, but life insurance also has many less publicized uses.

Read More on Life Insurance: More Than Just Protection for Your Family

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Family and Money

college-aged woman studying

family & money

529 Plan for Education – 4 Steps to Help Maximize Savings

529 savings plans are one of the most common ways to build wealth for education. Learn four steps that can help ensure you're making the most of your plan.

Read More on 529 Plan for Education – 4 Steps to Help Maximize Savings

young girl holding hands with parents

family & money

Financially Preparing for a Baby: Diapers, Life Insurance and Education Savings

A baby can bring joy, wonder—and substantial expense. Learn some steps to help make the financial side of parenting a little easier.

Read More on Financially Preparing for a Baby: Diapers, Life Insurance and Education Savings

woman opening box with engagement ring

family & money

Money and Marriage: Tying the Financial Knot

You and your future spouse are not only romantic partners—you are financial partners, too. As a result, you'll need to address several financial questions.

Read More on Money and Marriage: Tying the Financial Knot

young woman smiling

family & money

College Financial Aid: What is it and How Do You Get More?

Learn the four common misconceptions many parents have about financial aid, how financial aid is calculated and ways to improve aid eligibility.

Read More on College Financial Aid: What is it and How Do You Get More?

college-aged woman studying

family & money

Using Student Loans to Help Finance Your College Education

If your child is offered an aid package that includes loans, think about whether repaying those loans will create a financial strain for you or your child. Learn about two categories of college loans: subsidized and unsubsidized.

Read More on Using Student Loans to Help Finance Your College Education

Insurance

elder couple smiling

insurance & long-term care

Elder Care: Good Planning Can Make All the Difference

Before a crisis hits, consider key steps to take to plan ahead and arrange for care.

Read More on Elder Care: Good Planning Can Make All the Difference

older couple sitting on beach smiling

insurance & long-term care

Life Insurance: More Than Just Protection for Your Family

Life insurance’s primary purpose is widely known: To help ensure your family’s financial security if you die, but life insurance also has many less publicized uses.

Read More on Life Insurance: More Than Just Protection for Your Family

father and child smiling at eachother

insurance & long-term care

Getting a Life: Insurance in Case You Aren't Around

Fans of permanent insurance sometimes dismiss term insurance as the equivalent of 'renting.' But for many folks, renting isn't such a bad idea.

Read More on Getting a Life: Insurance in Case You Aren't Around

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insurance & long-term care

Learn About Medicare and Medigap

Learn the basics of parts A, B, C and D of Medicare.

Read More on Learn About Medicare and Medigap

Financial Guidance

newton cradle

investing

Does Systematic Investing and Dollar Cost Averaging Make Sense for You?

You may have heard of the terms “systematic investing” and “dollar cost averaging,” but ...

Read More on Does Systematic Investing and Dollar Cost Averaging Make Sense for You?

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investing

Giving Your Money a Checkup: Has Your Portfolio Lost Its "Balance"?

Learn the basics of when and how to rebalance your portfolio.

Read More on Giving Your Money a Checkup: Has Your Portfolio Lost Its "Balance"?

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investing

Introduction to Equities

Equities are shares of fractional ownership of a company. Shareholders have a claim on either the returns that the company generates during operations, or any residual claim on the company assets in the event of the company’s liquidation (this happens after all debts are paid).

Read More on Introduction to Equities

woman looking at computer screen

investing

Five Things to Remember in Volatile Markets

Since 1980, the S&P 500 has experienced intra-year corrections of over 10% in 22 separate years but has finished the year with a negative annual return in just 8 of those years (or 36 percent of the time). Nearly all of those years were associated with U.S. recessions (1981, ...

Read More on Five Things to Remember in Volatile Markets

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investing

Mutual Fund Basics

Mutual funds are a popular way to invest in securities. Because mutual funds can offer diversification and professional management, they may offer certain advantages over purchasing individual stocks and bonds.

Read More on Mutual Fund Basics

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investing

Investing Basics: Taking on Risk — In the Hope of Earning Higher Returns

Many of us start out as savers, favoring bank products such as savings accounts and ...

Read More on Investing Basics: Taking on Risk — In the Hope of Earning Higher Returns

stacked building blocks with hand and fingers climbing the blocks

investing

6 Steps to Building Your Portfolio

Building a portfolio is sort of like building a house. You want a design that you will be happy with and that meets your family’s needs. You’ll need ...

Read More on 6 Steps to Building Your Portfolio

line chart

investing

Introduction to Exchange-Traded Funds (ETFs)

An ETF, or exchange-traded fund, is a marketable security that tracks various underlying assets, such as an index, a commodity or bonds. Unlike mutual funds, an ETF trades like a common stock on a stock exchange. ETFs experience price changes throughout the day as they are ...

Read More on Introduction to Exchange-Traded Funds (ETFs)

wind farm

investing

Introduction to Sustainable Investing

Sustainability is increasingly a key consideration for investors. Sustainable investments has the potential to deliver risk adjusted returns comparable to those of traditional investments, but with the additional satisfaction of alignment with environmental and/or social goals.

Read More on Introduction to Sustainable Investing

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investing

Trading Options: The Basics

Investment strategies designed to take advantage of price movements in up and down markets.

Read More on Trading Options: The Basics

Personal Finance

Man using a calculator

personal finance

What About an Emergency Fund?

Get ideas on how much you should set aside for a financial emergency and sources of funds to tap into.

Read More on What About an Emergency Fund?

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personal finance

Numbers You Need to Know: 2022 and 2023

Use these key numbers as you ponder crucial goals like saving for retirement and college expenses, amounts to give to charities, and planning for changes in your estate.

Read More on Numbers You Need to Know: 2022 and 2023

1040 tax form

personal finance

Your 2022 Tax Planning

Why put off until tomorrow what can save you money today? To help you better understand where to begin with tax planning, Citi Personal Wealth Management has outlined areas to consider when starting to think about how to confidently grow and protect your wealth in 2022 and ...

Read More on Your 2022 Tax Planning

Senior couple hugging

retirement

7 Ways You Might Think About Boosting Retirement Income & Maximizing Assets

If you need more income, consider seven ways to try to boost your income and maximize assets.

Read More on 7 Ways You Might Think About Boosting Retirement Income & Maximizing Assets

senior couple hugging

retirement

Approaching Retirement

After decades of hard work, you’re about to get your reward—the chance to do what you want, without worrying about where your next paycheck is coming from.

Read More on Approaching Retirement

retired couple sitting outside

retirement

The Right Time to Collect Social Security

Review different scenarios for when taking Social Security may make sense for you.

Read More on The Right Time to Collect Social Security

pouring over reports

retirement

Comparison – Traditional vs. Roth IRAs

Learn about the factors to consider when choosing an IRA.

Read More on Comparison – Traditional vs. Roth IRAs

Trust and Estate

Mature adult man on the phone looking concerned

trust & estate

Key Steps to Take After a Loved One Passes Away

The following guide will provide an overview of some key items to keep in mind when it comes to death and finances.

Read More on Key Steps to Take After a Loved One Passes Away

person signing a document

trust & estate

Estate Planning: Beyond a Will

To many, estate planning means getting a will or living trust. To others it may also mean reducing estate taxes — and that is a problem. Yes, ...

Read More on Estate Planning: Beyond a Will

person signing a document

trust & estate

Change of Trustee Considerations
At a Glance

Grantors and beneficiaries often want the ability to remove trustees and appoint replacements. Since residence, family circumstances, financial ...

Read More on Change of Trustee Considerations At a Glance

person signing a document

trust & estate

Trust Fundamentals
At a Glance

You want to protect your wealth and have your assets passed on to whom you choose under the conditions you specify. A trust can help give you this ...

Read More on Trust Fundamentals At a Glance

people raising a framed wall

trust & estate

Charitable Giving Can Benefit Tax and Estate Planning

Giving to charity can be as simple as writing a check or donating old clothes and furniture. But as you give, you might also be looking to save on taxes and meet estate-planning goals.

Read More on Charitable Giving Can Benefit Tax and Estate Planning

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    Ways to Invest

    Invest the way that works for you - on your own, with an advisor or a combination of both.

    Learn More on Ways to Invest

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    Investment Products & Services

    Explore the range and depth of what we offer to support your investing and insurance needs.

    Learn More on Investment Products and Services

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    Financial Planning

    Work with a dedicated team to create a complimentary, personalized financial plan.

    Learn More on Financial Planning

Connect with a Financial Advisor

Let us help you achieve your financial goals.

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Important Information for You to Know About Our Business and Relationship With You

We are required to deliver two important disclosure documents about our business and relationship with you:

  • Form Client Relationship Summary ("Form CRS") is a brief summary of the brokerage and advisory services we offer.
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Please review both of these important documents online at http://www.citi.com/investorinfo/. If you prefer paper copies, Please contact your advisor or call us at (800) 846-5200 | TTY: We accept 711 or other Relay Service.

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Important Information

The market and planning commentary on this site may discuss topics that are timely to current events at the time they were written. The relevance of such topics may change at future dates.

Diversification and asset allocation do not protect against loss or guarantee a profit.

Financial Advisors are representatives of Citi Personal Wealth Management and not of Citibank.

Please consult your Financial Advisor before making any investment decisions.

The above content is for informational purposes only and contains a summary of the topic and is not intended to be a comprehensive discussion, including any legal or tax ramifications of the strategies or concepts described herein. These strategies are not guaranteed to succeed or indicate future performance, and they do not necessarily represent the experience of other clients.

This is not an offer to buy or sell any of the securities, insurance products, investments, or other products named.

Citigroup Inc. and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor.

Citi Personal Wealth Management is a business of Citigroup Inc., which offers investment products through Citigroup Global Markets Inc. (”CGMI”), member SIPC. Citigroup Life Agency LLC (“CLA”) offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G56746). Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.

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