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Financial Tools



F&M Investment Services at F&M Trust is located in several of our community offices enabling customers to meet with a fully-licensed Investment Representative (a registered representative of Cetera Investment Services). These professionals can help develop a long-term strategy that meets your financial goals using an investment profile analysis and portfolio review. And, they can assist you in managing your resources to help meet your financial needs with solutions like:

IRA – Whether it is a Traditional IRA or Roth IRA, we make it easy for you to rollover, transfer, consolidate or start a new IRA. Let us help you understand the benefits of tax-deferred earnings along with tax savings on current contributions. We can help determine which IRA plan is best suited for your individual situation.

401(k) – Investing in a 401(k) plan early can help you solve your long-term retirement needs. With even small regular contributions, we can help secure your future retirement.

Mutual Funds – New and experienced investors choose mutual funds because they can provide diversification. Mutual funds also allow an individual to begin investing with a minimal initial investment.

Annuities – Available in various types including fixed and variable, annuities are commonly used for current income or tax deferred growth. After determining an individual’s goals and objectives, we can help determine if annuities are the correct financial tool in reaching your goals.

College Savings - Coverdell College Plan or 529 plans can help you save and invest for future college costs. Both plans offer tax-deferred growth and potentially tax-free distributions.

Meet our experienced team of Investment Representatives

For more information on solutions through our F&M Investment Services or to schedule a no-obligation appointment to discuss your financial goals, call (717) 264-6116 or (888) 264-6116. Or visit a location near you in:

Chambersburg
Memorial Square Office – 20 S Main Street (717) 261-3585
Lincoln Way East Office – 1712 Lincoln Way East (717) 264-9414

Shippensburg
Shippensburg Office - 13 Shippensburg Shopping Center (717) 530-2100

Greencastle

Greencastle Office – 518 N Antrim Way (717) 597-2384

Waynesboro
Waynesboro Office – 200 E Main Street (717) 762-2188

Camp Hill
Camp Hill Office – 3907 Market Street (717) 731-9604

McConnellsburg
McConnellsburg Office – 100 Lincoln Way East (717) 485-3144

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

Investments are: 
   *Not FDIC Insured
   *May Lose Value
   *Not financial institution guaranteed
   *Not a deposit
   *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 persons outside of the United States.