Not FDIC Insured
As a business leader, you have taken more than your share of risks along the road to success. Enjoying that success is the ultimate reward of a long and eventful journey. To achieve financial goals, you need a plan ... and a financial advisor you can trust.
F&M Bank and F&M Investment Services partners with our Raymond James Financial Advisors to bring you experience, expertise, and comprehensive investment options that will help you reach your personal financial goals. We can also help you reward your employees with an attractive retirement/pension program. The blending of our talented local advisors with one of the world’s largest investment companies provides our clients with superior service and virtually unlimited financial choices.
Check the background of our investment professionals on FINRA’s BrokerCheck to verify you are working with registered broker-dealers of Member FINRA SIPC.
Retirement/Pension Programs for Businesses and Business Owners
Attracting and retaining quality employees is a big challenge for any business or organization. Our advisors can help establish a retirement and/or pension program with features and flexibility that compare to plans of large companies. No matter the size of your company, your advisor can help you create a program that will provide long-term financial benefits for you and your employees … and may also offer some attractive tax incentives backed by a government agency.
Business owners should ask about defined benefit plans, IRA, and other retirement plans. We can help you learn more about contribution limits, simplified employee pensions (SEP IRA), and establishing 401k plans. F&M Bank offers GoldCrest Bonus to add to your IRA accounts and help them grow! Some plans may even be tax-deductible.
Retirement/Pension Programs for Individuals and Businesses
401(k) plans: a tax-advantaged retirement plan you may get from your employer
Individual Retirement Plans (IRAs): Individual Retirement Accounts allow individuals to place income into retirement plans before paying taxes on the money.
We'll Help You Plan and Manage Your Investments
No matter what your investment goals – from conservative to aggressive – our personalized “Main Street” approach to Wall Street allows our team to help you achieve your goals! Our clients trust us to help them achieve a wide variety of financial objectives:
*As federal and state tax rules are subject to frequent changes, you should consult with a qualified tax advisor prior to making any investment decision. Taxable income can be made up of earned income, like salary and bonuses, and unearned income, like interest and alimony.
Brokerage Products and Investment Services
Our advisors provide you with a full range of brokerage and investment products:
Be sure to ask your advisor about the protections and options available for these products. Your state may have different laws and regulations around payment for a surviving spouse or inheritance.
Raymond James Financial Advisors
Meet Our Advisors
What does it mean to work with a Raymond James Financial advisor?
All Raymond James registered representatives work on the principles of helping individuals achieve their financial goals. As you work together, you’ll develop a personal relationship. The goal is for our advisors to get to know all of the challenges and opportunities in your financial life, in order to provide relevant financial advice and help you find the perfect plan.
Raymond James advisors are also registered broker-dealers that can connect you with broker accounts as you plan your investments.
Our financial advisor team will help you in any capacity they can. Or, if your goals lean towards preparing for retirement, they can help you plan your retirement income and more.
Navigating social security is another challenge for people who are preparing for retirement. There are many factors that if not paid attention to can lead you to lose income. Many people also often choose to start working again after retirement. For questions about organizing your social security application, talk with your advisor.
Pension benefits are an essential part of planning for retirement, for both individuals and businesses. It can be difficult to plan for these benefits on either side. Our advisors have the experience and resources to help you effectively plan for these benefits.
In addition to these retirement benefits, we can provide financial advice as you consider life insurance plans.
*Investors should consider the investment objectives, risks, and charges and expenses of mutual funds carefully before investing. The prospectus contains this and other information about this investment. The prospectus is available from your financial advisor and should be read carefully before investing. Diversification and strategic asset allocation do not ensure a profit or protect against a loss. Investments are subject to market risk, including possible loss of principal. The process of rebalancing may carry tax consequences. Securities are offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. F&M Investment Services and F&M Bank are not registered broker/dealers and are independent of Raymond James Financial Services. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Securities provided are not deposits or obligations of, or guaranteed by F&M Bank and are not insured by the Federal Deposit Insurance Corporation or any other government agency. They involve investment risks, including the possible loss of principal amount invested. Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. https://www.raymondjames.com/