Retirement Plan Participants

Retirement Plans at Your Pace

As a plan participant at First Citizens Wealth Management, our primary focus is to provide you with comprehensive retirement education while you participate in your employer sponsored retirement plan.

Retirement Plan Contribution Limits

The IRS has revealed the updated contribution limits for retirement plans for 2025, reflecting adjustments for inflation and cost of living increases. IRS Retirement Plan Contribution Limits

Importance of Adding a Beneficiary

Ensuring your property is managed according to your wishes through thoughtful designation.

Naming a beneficiary on your retirement accounts is one of the simplest and most important steps you can take. Your beneficiary is the person (or people) who will receive your account balance when you pass away, and you can list both primary and contingent options, even splitting percentages among multiple individuals. Skipping this step may seem harmless, but no decision is still a decision. Without a beneficiary, your account may have to go through an estate process, which can create delays, added costs, and outcomes you didn’t intend. By naming beneficiaries, your assets transfer smoothly and directly to the people you choose.

Already have beneficiaries listed? It’s smart to review them periodically to ensure they still reflect your wishes and align with your overall estate plan.

Retirement Account Rollover

Manage your retirement accounts your way. Learn about your rollover options.

Traditional Vs. Roth Contributions

Evaluate which contribution type aligns best with your retirement strategy to optimize long-term financial growth.
View Contribution Comparison

Our team is available to assist you with any questions you may have. Give us a call at 641-422-1600 or fill out the contact form below.