F&M Trust: Investment and Trust Services

Investment and Trust Services

Your Partner in Wealth Management

Place your trust with F&M Trust Company and watch it grow steadily, safely, and securely. We offer a wide variety of financial management services for personal and commercial clients, including custodial services, living trusts, advisory services, estate planning and settlement, managed and self-directed IRAs, 401(k) plans, pension and profit-sharing plans, and asset allocation programs.

Call 717-261-3569 to arrange a no-cost consultation to discuss your needs (or click here).

Trust Services

What Makes Us So Different?

Commitment to Personal Service: We want to make every client feel as if they are the most important client in the bank. We will meet with you in private, face-to-face meetings to determine your needs, as well as to present our proposals. Statements are reviewed, and follow-up meetings throughout the year are also made in person. We have a "next business day" telephone response policy: we commit to you that we will return your call by the next business day even if we're still working on getting the complete answer. In short - at F&M Trust, you can trust our Investment and Trust Services Department to be here for YOU, working with you in person. Your Trust Officer is here and available – not in an office in a large city.

Top-Performing Investments: For mutual fund accounts, we select the best performing funds from a broad universe to fit your portfolio.

Low Fees: Our investment management fees for individually-managed accounts are lower than most of our competitors' rates including brokers, financial planners, and other local trust departments.

F&M Trust's Investment and Trust Services Department offers a full array of trust services for personal and commercial clients, including:

Personal Trust Services

For individuals looking for assistance in managing their affairs - a professional money manager, someone to handle their investment trades, or someone to be there when they die or become incapacitated.

Living trusts
Will reviews
Estate planning guidance
Investment management services and Internet access for plan participants
Irrevocable life insurance trusts
Managed IRA Rollovers
Custodial accounts
Self-Directed IRAs

Employee Benefit Programs

For companies wishing to establish and maintain a valuable employee benefit plan to attract and retain employees, as well as assist them in saving for their retirement, we offer these employee benefit plans:

401(k) plans
Profit sharing plans
Money purchase pension plans
Defined benefit pension plans
Simple IRAs
SEP plans
403(b) plans
Employee stock ownership plans (ESOPs)
Group Insurance plans

Investment Management

We offer a full trust and investment management service that begins with a comprehensive process of establishing your long-term investment objectives and risk tolerance, and results in a focused plan to achieve these goals with the proper blend of growth and income investments within your personal attitudes as an investor. And you'll get contact with your investment and trust representatives on a regular basis . . . and we're nearby to respond as directed. We also offer no-cost consultation and planning meetings to discuss your needs, explore new variations and the corresponding plans which may fulfill them. For more information, please contact:

Allen Rebok
Senior Vice President and Trust Officer
717-261-3575

Personal Investment Center
Investment & Trust