Investments 

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 adviser you can trust. F&M Investment Services / Raymond James Financial Services brings 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 a talented local F&M Investment Services adviser with one of the world’s largest investment companies provides our clients with superior service and virtually unlimited financial choices.

Retirement/Pension Programs For Businesses ... And Business Owners

Attracting and retaining quality employees is a big challenge for any business or organization. F&M/Raymond James Financial Services 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 F&M Investment Services adviser 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.

Retirement/Pension Programs

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

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 makes F&M/Raymond James Financial Services the SMART CHOICE to help YOUR MONEY grow! Our clients trust us to help them achieve a wide variety of financial objectives:

• Personal Financial Plans
• 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 and Rollover Investments
• Estate Planning

Brokerage Products And Investment Services

F&M/Raymond James Financial Services 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

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.