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NOT FDIC INSURED Personalized Service For Individuals & Business Owners Raymond James advisors at F&M Investment Services appreciate 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 us the SMART CHOICE to help you with YOUR MONEY!
We’ll Help You Plan And Manage Your Investments NOT FDIC INSURED No matter what your investment goals -- from conservative to aggressive – Raymond James advisors at F&M Investment Services have the financial products designed to fit your plan. Our clients trust us to help them achieve a wide variety of financial objectives:
Brokerage Products & Investment Services NOT FDIC INSURED Raymond James advisors at F&M Investment Services provide you with a full range of brokerage and investment products:
Retirement Plans for Individuals NOT FDIC INSURED
Individual Retirement Accounts There are few investment options as attractive as an Individual Retirement Account. Investments are designed to appreciate or earn interest. Depending on the type of IRA, you may be able to defer income taxes on your account until your retirement years. The compounding of interest and tax referral could be a substantial benefit for you! Your financial adviser will help you map out a realistic “game plan” of saving and investing designed for your personal financial goals. Click here to Contact Us. Click here for calculators. Less than half of all working women in America participate in a retirement or pension plan. We can help women build INDEPENDENCE 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. Annuities NOT FDIC INSURED
A fixed annuity is a contract between you and the insurance company. There are many kinds of annuities - some tailored for income and some as savings vehicles depending on your income and investment needs. The BENEFITS of having an annuity are:
An adviser can analyze your retirement situation and help you make a SMART CHOICE. Click here to Contact Us Fixed annuities are long-term investment vehicles designed for retirement purposes. Guarantees are based on the claims-paying ability of the issuing company. Withdrawals prior to age 59 1/2 may be subject to a 10% federal tax penalty on the gains. Earnings are taxed as ordinary income upon withdrawal. Any withdrawals may be subject to income taxes, and prior to age 59 1/2, a 10% federal penalty may apply. Withdrawals from annuities will affect both the account value and the death benefit. The investment return and principal value will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. An annual contingent deferred sales charge (CDSC) may apply. NOT FDIC INSURED 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 NOT FDIC INSURED
Paying for college; however, is more manageable than most people realize ... with the guidance provided by Raymond James advisors at F&M Investment Services. The 529 Plan is becoming extremely popular for those looking to get the most for their investment dollars while gaining tax advantages. 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). Before investing in a 529 savings plan, please consider the investment expenses, risks, charges and expenses carefully. The official disclosure statements and application prospectuses, which contain this and other information about the investment options and underlying investments, can be obtained by contacting your financial advisor. You should read this material carefully before investing. A Coverdell College Savings plan allows contributions up to $2,000 per year per child. Earnings grow tax-deferred, and qualified distributions during the child’s school years, including elementary and secondary education, are TAX FREE. Click here to Contact Us. Click here for calculators. Retirement/Pension Programs for Businesses NOT FDIC INSURED
Whether your business is a sole proprietor, partnership or corporation, ask us about:
We would love to tell you more about how we can help you reach your financial goals. Click here to Contact Us. Click here for calculators. Securities are offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. F&M Investment Services and F&M Bank are independent of Raymond James. 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. |
