Personalized Service For Individuals & Business Owners

To achieve financial goals ... you need a plan! More specifically ... you need a financial adviser you TRUST. F&M / Raymond James takes the time to analyze your precise needs, timing and risk tolerance before recommending an individualized financial strategy.

F&M / Raymond James appreciates the importance of every dollar you invest. And we understand the significance these dollars mean to your future. It’s our personalized “Main Street” approach to Wall Street that makes F&M / Raymond James the SMART CHOICE to help YOUR MONEY grow!
 

Brokerage Products ▪ Personal Retirement Plans ▪ Rollover Investments
529 College Savings Plans ▪ Business Retirement & Pension Programs

NOT FDIC INSURED

We’ll Help You Plan And Manage Your Investments

No matter what your investment goals -- from conservative to aggressive – F&M / Raymond James has the financial products to fit your plan. Our clients trust us to help them achieve a wide variety of financial objectives:

• Capital Preservation - or - Capital Growth
• Tax Deferred - or - Tax Exempt Income
• Increase of Investment Income
• Educational Expense Planning
• Long-Term Health Care Expense Planning
• Retirement Plans & Rollover Investments
• Business Retirement & Pension Programs
• Estate Planning
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• Click here for calculators

Brokerage Products & Investment Services

F&M / Raymond James provides you with a full range of brokerage and investment products:

• Stocks – Common and Preferred
• Bonds – Treasury, Mortgage and Tax-Exempt
• Mutual Funds – Hundreds of Stock and Bond Funds
• Annuities – Fixed and Variable Rate
• Investment Accounts – Personal, Retirement and Business
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• Click here for calculators

Retirement Plans for Individuals

Everyone needs a good financial “game plan” in order for their golden years to be truly GOLDEN! F&M / Raymond James is prepared to help you determine your future income needs and develop a personalized strategy for setting aside -- and prudently investing -- your hard-earned dollars. Click here to Contact Us. Click here for calculators.

Individual Retirement Accounts

There are few investment options as attractive as an Individual Retirement Account. You can earn interest, grow your investment and/or defer income taxes on your account until your retirement years. The compounding of interest and tax referral could mean thousands of extra dollars for you! Your F&M / Raymond James Financial adviser will help you map out a realistic “game plan” of saving and investing to achieve your personal financial goals. Click here to Contact Us. Click here for calculators.

... Especially For Women!

Less than half of all working women in America participate in a retirement or pension plan. F&M / Raymond James can help women build INDEPENDENCE and SECURITY with a variety of savings and investment options. Let us talk with you about YOUR future! Click here to Contact Us. Click here for calculators.

Rollover Investments

When you leave an employer for another job -- or because of early retirement -- a major decision will be what to do with the money from your employer-sponsored retirement plan.

While you may be tempted to cash-out your plan ... it’s important that you understand your options and learn how to protect your savings from taxes and penalties. We can provide the advice you need, and can help you rollover your qualified retirement dollars into a program that allows you to put your money in a wide variety of investment options. Click here to Contact Us. Click here for calculators.

529 College Savings Plans

With the price of many private colleges exceeding $40,000 a year, and state universities that can cost $20,000 per year or more, it leaves most parents wondering, “How can I send my child to college?”

Paying for college; however, is more manageable than most people realize ... with the guidance provided by F&M / Raymond James.

The IRS 529 Plan is becoming extremely popular for those looking to get the most for their investment dollars while gaining major tax breaks. Each state regulates the details of this plan that allows the PREPAYMENT of funds to be used at the college of the recipient’s choice ... and provides for LARGE contributions to the program (currently up to $235,000 in some states).

An Education IRA allows contributions up to $500 per year per child. Earnings grow tax-deferred, and qualified distributions during the child’s college years are TAX FREE. Click here to Contact Us. Click here for calculators.

   

Retirement/Pension Programs for Businesses

Without an adequate compensation program, it’s hard to attract and retain quality employees. F&M / Raymond James can help your business establish a retirement and/or pension program with features and flexibility that compares to plans of large companies. No matter the size of your business – or the number of employees – our advisers are uniquely qualified to help you set up a retirement program that will provide long-term financial benefits to you and your employees ... and may also offer some attractive tax benefits for your company. Click here to Contact Us.

Whether your business is a sole proprietor, partnership or corporation, ask us about:

• 401(k) Plans
• Individual Retirement Accounts (IRAs)
• Simplified Employee Pension Plans (SEPs)
• KEOGH Self-Employeed Retirement Plans

We would love to tell you more about how we can help you reach your financial dreams. The “Smart Money” chooses F&M / Raymond James! Click here to Contact Us. Click here for calculators.

Securities, brokerage and insurance products are offered through Raymond James Financial Services, Inc. Member NASD/SIPC. F&M Investment Services is a division of F&M Bank. 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.