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“Estate planning” sounds like an issue reserved for the wealthy. The truth is that if you have any assets, you have an estate.

Your estate may include your car or house, as well as things like investments and insurance. All of these components can contribute to your family’s security after you’re gone, but maximizing those benefits starts with creating a plan now.

Whether you have a little or a lot, the professionals at F&M Investment Services are here to help. Our team will guide you through decisions about investments, asset distribution, and more. We can also help you set up life insurance and charitable remainder trusts.

At F&M Investment Services, your financial security is our priority. Find out more about Trust & Estate Planning and how it supports your goals by contacting an F&M Investment Services financial consultant .


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


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