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FINANCIAL PLANNING

Approach tomorrow with confidence

Reliable guidance to support and secure two of life's biggest priorities:  your family and finances.

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A Diverse and Disciplined Approach to Financial Planning

Are you ready for a comprehensive, strategic, and personalized approach to building risk-managed wealth?

Our team will help you establish clear financial goals, tailor your asset allocations, and minimize tax liabilities so you can make the most of your money. 

Your dedicated Wealth Management partners will ensure that your assets are not just invested but strategically managed to support your specific goals while minimizing risk and adapting to the market.

Our locally based, responsive investment team is ready to guide you with confidence and care, because investing in you is what we do.

PROCESS AND PHILOSOPHY

Trusted Guidance Rooted in Proven Strategy

We build investment portfolios using a disciplined, time-tested approach that blends active and passive strategies across a broad range of asset classes. Our dedicated team closely monitors investment costs and manages every portfolio according to each client’s specific financial goals.

Our focus is on helping you maximize long-term purchasing power. We aim to minimize losses during market downturns and seize growth opportunities during rallies, adapting strategies as conditions evolve.

The F&M Trust difference is our client-centered process for growing, preserving, and protecting your wealth over time.

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Investment Team

Invested in You

Meet our seasoned in-house Investment Team who are equipped with the knowledge to build an investment strategy tailored to your needs while skillfully navigating the dynamic market, so you can confidently invest in a secure future.

Warren Hurt Chief Investment Officer

Warren Hurt

Senior Vice President - Chief Investment Officer

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Tony Klatko Investment Portfolio Manager

Tony Klatko

Assistant Vice President - Investment Portfolio Manager

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Becky Mull, AFIM Investment Portfolio Analyst

Becky Mull, AFIM®

Investment Portfolio Analyst

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Investment Services

We offer a variety of short-term and long-term investment solutions to help our clients preserve earnings power and protect their assets.

Our experienced team will guide you in developing strategies that are right for you.

Fixed and Variable Annuities

Build your retirement savings with annuities that offer either guaranteed returns (fixed) or growth potential linked to market performance (variable). Enjoy steady income options and the peace of mind of tax-deferred growth.

Mutual Funds

Invest in a diversified portfolio managed by professionals. Mutual funds make it easy to access a range of stocks, bonds, or other assets tailored to your financial goals and risk comfort level.

Brokerage Services

Buy, sell, and manage investments with personalized support. Our brokerage services provide access to a wide array of securities, helping you build and adjust your portfolio with knowledgeable guidance.

Tax-Advantaged Investments

Grow your assets while maximizing tax benefits. These investment options are designed to help reduce your tax burden and enhance your long-term financial outcomes.

Money Market Funds

Access a safe and flexible investment that aims to preserve your capital while offering competitive returns. Money market funds provide easy access to your funds when you need them.

Life Insurance

Protect your loved ones’ financial future with coverage that pays a benefit in the event of your passing. Life insurance offers peace of mind and can help cover expenses or leave a legacy.

Long-Term Care Insurance

Prepare for the costs of extended care due to illness or aging. Long-term care insurance helps cover services not typically included in health insurance, protecting your savings and independence.

Disability Insurance

Safeguard your income if you’re unable to work due to injury or illness. Disability insurance ensures you can meet your financial obligations and maintain your lifestyle during challenging times.

Retirement Planning

Collaborate with our team to create a customized plan for your retirement goals. We help you navigate savings options, investments, and strategies to ensure a comfortable and secure future.

Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory Services are offered through Cetera Investment Advisers LLC. Cetera is not affiliated with the financial institution where investment services are offered.

Investments:

  • Are not FDIC-insured
  • May lose value
  • Are not financial institution-guaranteed
  • Are not a deposit
  • Are not insured by any federal government agency


View Cetera Investment Services’ privacy policy and other important information.

Investment executives are registered to conduct securities business and licensed to insurance business in limited states. Response to or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell or a solicitation of an offer to purchase brokerage services to people outside of the United States.

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RETIREMENT PLANNING

Stress-Free Planning for a Secure Retirement

Discover how a personal Wealth Advisor can guide you with personalized strategy with ease that fits all your goals for making the most of your retirement. 

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Strength and Stability You Can Trust

When it comes to managing wealth with you, there's one word that supersedes all others. Confidence. When you have this, the rest becomes easy.

Since 1906, F&M Trust has provided a comprehensive range of wealth management services tailored to meet the specific needs and goals of each client. 

As a local community bank with over $1.4 billion in assets under management, we’ve built long lasting relationships with our clients and genuinely care about helping them succeed in building a more secure financial future.

Active Planning for Causes That Matter

When planning ahead, it's important to factor in and set aside assets for causes that matter you, like education and your favorite charities.

Education Savings

Educational Savings Accounts (ESAs) are dedicated savings solutions designed to help families and individuals systematically prepare for future educational expenses. These accounts provide a secure way to save for qualified educational costs, such as tuition, books, and supplies for elementary, secondary, or higher education.

Benefits include:

•    Tax-advantaged growth to grow faster over time
•    Flexible contributions to accommodate different budgets
•    Usable for a wide range of educational expenses
•    Easy and convenient account management putting you in control
•    Potentially higher interest rates to maximize earning potential

Discover how we can help make it easier to invest in a brighter academic future for yourself or your loved ones.

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Charitable Giving

Charitable giving is an important part of managing your wealth and planning your legacy. We offer guidance on secure and tax-efficient ways to set aside funds specifically for charitable donations to help individuals and families support the causes that matter most to them.

Benefits include:

  • Potential for tax-advantaged growth to grow your impact over time
  • Flexible contribution options to fit your goals and preferences
  • The ability to distribute to wide array of charities and causes
  • Streamlined and convenient management to donate with ease
  • Guidance on efficient giving to maximize benefits for you and impact for the recipients

Discover how our team can help you achieve your philanthropic goals with confidence and simplicity for a legacy that lasts.

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REACH OUT TO GET STARTED

Ready to Help

As a trusted local community bank, we’re committed to serving our neighbors. Our local financial pros live in the communities we serve and care about your success, delivering personalized service and knowledgeable support every step of the way.

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WEALTH SERVICES

Building confidence in your future

We believe wealth management should be personal no matter your journey. That’s why we take a strategic, holistic approach tailored to your goals and guided by experienced professionals who care.
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Retirement

Tailored retirement planning to help you achieve financial security and peace of mind for the future.

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Investing

Personalized investment strategies designed to help you grow and preserve your wealth over time.

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Charitable Giving

Guidance on creating impactful charitable plans that align with your values and philanthropic goals.

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Education Planning

Customized solutions to help you save and prepare for you or a love one's education expenses.

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Trust & Estate

Comprehensive services to protect your legacy and ensure your wishes are fulfilled.

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Business

Future-focused strategic planning that reflects your goals and the needs of your business

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Nonprofit

Financial guidance and education that empowers you to maximize your organization's mission and impact.

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Frequently Asked Questions

Contact F&M Trust

We offer a variety of short-term and long-term investment solutions that our Wealth advisors can recommend based on a personalized strategic plan to achieving your goals. Reach out to our team to find the right solutions for you.

Our in-house investment team is in your corner every step of the way. They will walk with you through understanding your goals and creating personalized strategy. Our knowledgeable team will also continuously monitor the market and your portfolio, making strategic adjustment as appropriate to ensure success that aligns with your long-term goals.