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One of the most important things you can do for your child can also be one of the most expensive.

With room and board plus expenses, sending a student to a four-year public college averaged $19,548 per year in 2015-16. A private, four-year institution averaged $43,921 for the same period, according to The College Board.

It’s not news that tuition is on the rise. Assuming costs increase by 5 percent a year, by 2024-25 it’s projected that the bill for a four-year public school will be $140,000 and more than $280,000 for a four-year private college*.

The best way to reduce that sticker shock is by planning for college as soon as possible!

Whether you have 18 years to save or 18 months, F&M Investment Services’ knowledgeable advisors can help you evaluate the best options for your individual situation. We’ll discuss possibilities such as: 

  • 529 College Savings Plans**
  • Coverdell Education Savings Accounts
  • Custodial Accounts (UGMA/UTMA)

Which one will be most beneficial for your child or grandchild? Contact an F&M Investment Services financial consultant to find out.


Check the background of investment professionals associated with this site on FINRA's BrokerCheck .

*Information provided by the College Savings Foundation website.
**Prior to investing in a 529 Plan, investors should consider whether the investor’s or designated beneficiary’s home state offers any state tax or other benefits that are available for investments in such state’s qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.


Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. F&M Bank and F&M Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using F&M Investment Services, and may also be employees of F&M Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, F&M Bank or F&M Investment Services. Securities and insurance offered through LPL or its affiliates are:

Not Insured by FDIC or Any
Other Government Agency

Not Bank
Guaranteed

Not Bank Deposits
or Obligations

May Lose Value