Financial Education Center

Dalin Dental Associates: A St. Louis-Based Family Business That Makes Everyone Smile

Crafted with the same core values as the First Bank family, Dalin Dental Associates is a multi-generational family business that is devoted to serving its clients, is fully invested in the longevity of its organization, and possesses a passionate commitment to the St. Louis community.

Building Credit for Young Adults

Do you want to start building your credit but aren’t sure where to start? That’s okay. In fact, it’s very normal to be in this position. We’re going to go over some common questions people, especially young adults, often have about getting started on their credit journey.

Why Women Need Life Insurance

Today, women have more financial responsibilities than ever before. How will your family or loved ones manage financially if you die? Whether you are single, married, employed, or a stay-at-home mom, you probably need life insurance. At the very least, life insurance can help pay for the costs of funeral and burial services, estate administration, outstanding debts, estate taxes, and the uninsured expenses of a final illness.

Webinar: Culture Conversation Part 1: Using Culture to Accelerate Business Results

Join an exclusive webinar, hosted by the First Bank Center for Family-Owned Businesses, that dives into the shift in family business organizational culture that happens through intentional events, like succession, mergers, acquisitions, and leadership change as well as accidental events, like pandemics, death, divorce, and other outside factors that often create change. This is Part 1 of a two-part series.

How Can I Plan for Retirement if my Employer Doesn't Offer Retirement Benefits?

In many cases, your first step should be to open an Individual Retirement Account (IRA) and contribute as much as allowable each year. Because of the potential for tax-deferred, compounded earnings, IRAs offer similar long-term growth opportunities as employer-sponsored plans.

Exceptions to the 10% Early-Withdrawal Penalty

Withdrawing taxable funds from a tax-deferred retirement account before age 59½ generally triggers a 10% federal income tax penalty, on top of any federal income taxes due.