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College students in front of college sign.

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.


F&M Investment Services, Inc. is a subsidiary of F&M Bank. F&M Bank and F&M Investment Services are not registered broker/dealers and are not affiliated with LPL Financial.

The LPL Financial registered representative associated with this site may only discuss and/or transact securities business with residents of North Carolina. Securities offered through LPL Financial, Member FINRA / SIPC . Insurance products offered through LPL Financial or its licensed affiliates.

Not FDIC Insured | No Bank Guarantee | May Lose Value
Not a Deposit | Not Insured By Any Federal Government Agency