Investment Services
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F&M Bank and Trust offers intelligent investments directed toward your financial goals. With many types of investment services, you'll find our financial planners, trained through Money Concepts, make investing easy to understand. Whether you are saving for retirement, college tuition, or a vacation in the Bahamas, we have an option that's right for you. We have financial planners on staff in Hannibal, O'Fallon and Palmyra. Appointments can be made to meet at other F&M Bank locations.

At F&M Bank/Money Concepts we work for you, our client. We do not own any of the companies we represent nor do they own us, assuring you that we have no funds or investments that we give selling priority to. As lifestyles change financial goals also change. At F&M Bank/Money Concepts we will be able to modify your investment portfolio to reflect your changing financial needs.

Services Provided

• Educational Seminars
• Financial & Tax Planning
• Estate Planning
• Life Insurance: Term, Whole Life, Universal
• Mutual Funds
• Annuities - Fixed and Variable
• IRA and Retirement Plans
• 401(k) and 403(b) Accounts
• 412(i) Retirement Plans
• College Funding Plans
• Medicare Supplement Plans
• Long term Care Plans
• Mortgage Insurance
• Individual Stocks and Bonds
• Money Management Accounts

Important Benefits

• Analysis of your current financial situation
• Clear definition of financial needs and goals
• An individual strategy to help reach goals
• Regular portfolio reviews
• A long term perspective
• Advice when it's time for a strategy change
• Evaluation of best investment alternatives
• Knowledge of emerging opportunities
• Risk management strategies
• Continual market analysis
• Local and toll-free telephone access
• Local office assistance
• Full service financial planning
• Professional referral listings
• Help with buy-sell planning

A Fortune Will Flow Through Your Hands..
What Will You Have To Show For It?

Irene Meyers
Financial Advisor - Palmyra
573-769-4897

Mutual Funds are not insured by the FDIC, and are not deposits or other obligations of, or guaranteed by, any depository institution or any government agency; and are subject to investment risk, including possible loss of the principal amount invested.

Money Concepts does not provide tax advice and recommends that tax issues be reviewed with your tax advisor.