Crystal Shirhall

Premier Relationship Banker I
Mobile Phone

Office Information

Office Phone
111 E Jefferson St.
Monroe, NC 28112

Areas Served

Union County
Mecklenurg County

Get to know us

At First Citizens Wealth, we’ve been helping clients plan for the future for over 125 years. It’s a heritage that shapes the service we offer and the values that guide us. Every day, we provide advice and solutions that empower our clients to plan for their dreams and safeguard the future for themselves and their loved ones.

When you work with us, it begins with a consultative conversation. Our goal is to fully understand what you want for the future for you and your family, as well as your concerns. Based on those discussions, we create a personalized plan for you that includes our best thinking on strategies to fit your needs and to help you avoid potential pitfalls along the way. Our experienced team of financial professionals is committed to helping you understand your options and leverage all resources and expertise at our disposal.

Regardless of where you are in your financial journey, our team helps you build a customized plan – so you can make more informed and effective decisions about your money.

How we support your unique vision.

First Citizens prides itself on strength, stability, and consistency. In delivering customized advice, tailored strategies, and personal attention, we can help you:

  • Save in a tax-efficient way to help build wealth;
  • Structure debt so you are strategically leveraging your assets;
  • Evaluate your options to help protect your assets;
  • Understand strategies to ensure your intentions are fulfilled in your estate plan;
  • Coordinate with your tax and legal professionals so your planning is consistent.

Focus Areas

Customized Lending
Debt Management
Financial Planning Guidance


Make sense of the markets. We have our fingers on the pulse of economic growth, investor sentiment and valuation trends.
A powerful, sophisticated financial planning software used to design a personalized plan based on your financial goals.
Helping you navigate your financial future from a wealth of information.

See more about First Citizens Investor Services, Inc. and our investment professionals at FINRA BrokerCheck. Learn more information about this representative's Professional Designations.

View our firm's Customer Relationship Summary (PDF)

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First Citizens Wealth™ utilizes MoneyGuidePro as its Financial Planning Tool. MoneyGuidePro and Play Zone® are registered trademarks of PIEtech℠. All screenshots are ©PIEtech℠. Reproduced with permission. All rights reserved.

Your investments in securities and insurance products and services are not insured by the FDIC or any other federal government agency and may lose value. They are not deposits or other obligations of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amounts invested.

About the Entities, Brands and Services Offered
First Citizens Wealth™ (FCW) is a marketing brand of First Citizens BancShares, Inc., a bank holding company. The following affiliates of First Citizens BancShares are the entities through which FCW products are offered. Brokerage products and services are offered through First Citizens Investor Services, Inc. (”FCIS”) , a registered broker-dealer, Member FINRA and SIPC. Advisory services are offered through FCIS, First Citizens Asset Management, Inc. and SVB Wealth LLC, all SEC registered investment advisers. Certain brokerage and advisory products and services may not be available from all Investment Professionals, in all jurisdictions, or to all investors. Insurance products and services are offered through FCIS, a licensed insurance agency. Banking, lending, trust products and services, and certain insurance products and services are offered by First-Citizens Bank & Trust Company, Member FDIC, and an Equal Housing Lender and SVB, a division of First-Citizens Bank & Trust Company.

All loans provided by First-Citizens Bank & Trust Company and Silicon Valley Bank are subject to underwriting, credit, and collateral approval. Financing availability may vary by state. Restrictions may apply. All information contained herein is for informational purposes only and no guarantee is expressed or implied. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not a commitment to lend. Terms and conditions apply. NMLSR ID 503941

For more information about FCIS, FCAM or SVBW and its Investment Professionals click here: