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Investment Services Hdr

NOT FDIC INSURED

Personalized Service For Individuals & Business Owners

Investments Group 
To develop financial goals ... you need a plan! More specifically... you need a financial advisor you TRUST. Raymond James advisors at F&M Investment Services take the time to analyze your precise needs, timing and risk tolerance before recommending an individualized financial strategy.

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:

  • 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
  • Contact Us
  • Click here for calculators

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Brokerage Products & Investment Services

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stocks

Raymond James advisors at F&M Investment Services  provide you with a full range of brokerage and investment products:

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

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Retirement Plans for Individuals

NOT FDIC INSURED

couple beachEveryone needs a good financial “game plan” in order for their golden years to be truly GOLDEN! Raymond James advisors at F&M Investment Services are 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. 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.

woman... Especially For Women!

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.

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Annuities

NOT FDIC INSURED

couple at tableRetirement can seem so far away. Then suddenly it’s upon us, and we wonder: Will our retirement plans provide enough to cover expenses? Is there a danger that we might outlive our savings and investments?

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:

  • A GUARANTEED fixed monthly income for life
  • Assurance that you can’t outlive your capital
  • No medical examinations required
  • Contributions can be added over time
  • Money management responsibility and investment decisions are eliminated.
  • Tax deferred benefits.

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.

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Rollover Investments

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.

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529 College Savings Plans

NOT FDIC INSURED

diplomaWith 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 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.

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Retirement/Pension Programs for Businesses

NOT FDIC INSURED

retirementWithout an adequate compensation program, it’s hard to attract and retain quality employees. Raymond James advisors at F&M Investment Services 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 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 goals. Click here to Contact Us. Click here for calculators.

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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.

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