Financial Guidance

family & money | 3 min read

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.

family & money | 3 min read

Using Student Loans to Help Finance College

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.

family & money | 3 min read

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.

family & money | 3 min read

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.

family & money | 3 min read

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.

insurance & long-term care | 3 min read

Life Insurance: Find the Policy That Fits Your Life

One of the most critical steps of the life insurance process is choosing the type of policy and amount of coverage.

insurance & long-term care | 3 min read

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.

insurance & long-term care | 3 min read

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.

investing | 3 min read

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 ...

Woman holding a tablet and wearing headphones

investing | 3 min read

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

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

investing | 3 min read

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).

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, ...

person pinching a tablet to expand the page

investing | 3 min read

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.

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 ...

stacked building blocks with hand and fingers climbing the blocks

investing | 3 min read

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 ...

investing | 3 min read

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 ...

personal finance | 3 min read

Your 2023 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 2023 and ...

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.

personal finance | 4 min read

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.

retirement | 4 min read

Ways to Save for Retirement to Help Make Your Income Last a Lifetime

When it comes to saving for retirement, you may be familiar with terms like 401(k)s, IRAs and Annuities. But how do you know which one(s) to choose and if you’re using them in the best way possible?

retirement | 4 min read

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.

retirement | 4 min read

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.

The Right Time to Collect Social Security

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

retirement | 3 min read

Comparison – Traditional vs. Roth IRAs

Learn about the factors to consider when choosing an IRA.

Mature adult man on the phone looking concerned

trust & estate | 3 min read

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.

trust & estate | 4 min read

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, ...

trust & estate | 3 min read

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 ...

trust & estate | 3 min read

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 ...

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.

Privacy | Notice at Collection | Do Not Sell or Share My Personal Information

Featured Articles

Family and Money