Not Having an Estate Plan is a Big Mistake!
Actually, an Estate Plan is not for you – it's for your loved ones.

Estate Planning makes sure your personal affects, money and property you have pass on at your death to your heirs quickly, cost-effectively, and with the least amount of emotional trauma. Our Trust Department can provide you with information to begin the process of evaluating your current estate plan.

Estate and Trust Management
Individuals who have accumulated wealth often seek solutions designed to protect their wealth, to earn income from this accumulation to meet their current needs, and to grow their wealth for future generations. Our estate and trust administration professionals work with individuals like you to develop a plan for the current management of your assets and to establish an estate plan that meets your family's needs.

With the expertise to serve as the executor of your estate, or the estate of a loved one, our estate and trust administrators can relieve many of the pressures of the estate settlement process and provide you with efficient, timely and personal service. We welcome the collaboration of co-executors or co-trustees like family members; as such partnerships offer dual strengths for your beneficiaries.

Estate Planning
Inevitably, there will come a time to pass the family wealth to the next generation. We help families just like yours handle these often sensitive issues every day.

In our experience, the vast majority of customers involved in estate planning share several major concerns:

• Avoiding delays in probate
• Minimizing probate expenses
• Minimizing estate taxes
• Maintaining personal financial protection
• Maintaining the financial security of their spouses and/or beneficiaries who have not yet reached financial maturity
• Maintaining confidentiality

Additionally, you may wish to include in your estate planning provisions for charitable foundations that you have. Whatever your goals are, our Wealth Management Group will be there to guide you every step of the way, from gathering necessary information to helping you define objectives to actually executing the trust.

You may also want to take advantage of our years of experience in making certain your wishes are carried out fairly and professionally. F&M Bank's trust professionals are available to act as executor for your estate, or as an agent for the executor you choose. Executor services from F&M Bank include:

• Supervising the settlement of your estate
• Handling all administrative and asset management duties
• Paying final expenses, creditors, and expenses of administering the estate, including taxes
• Collecting money due
• Defending the estate against invalid claims
• Keeping detailed records of all estate transactions
• Reviewing accounting with your heirs and the court
• Assuming responsibility for filing all required tax forms

Based on your objectives, our experienced staff will develop a customized investment plan that manages widely different classes of assets. The flexibility of our programs allows you to take as active a role as you want. From investment management to safekeeping and custodial services, we can help.

F&M Bank and Trust Company Wealth Management Group can assist you with a wealth of asset management services including:

• Investing assets based on your financial objectives;
• Collecting and paying out investment income;
• Reinvesting investment income as directed; and
• Monitoring assets and making advantageous changes.

And we'll be there for you taking care of the details that might otherwise go overlooked:

• General accounting
• Reporting on trust assets
• Maintaining records
• Collecting dividends and interest
• Safeguarding securities
• Keeping tax records
• Providing complete information needed to file income tax returns.

Custodian or manager, our level of involvement as trustee or agent of your portfolio is up to you. For some of our customers, we take on a management role, which gives our trust department responsibility for buy and sell decisions and disbursing trust assets. For others, we're there strictly in a safekeeping or custodial role, providing administrative and accounting services for the trust.

Whatever the level of expertise you choose to take advantage of, you can be reassured that our trust department has over half a century of experience helping families like yours assess their goals and the best ways to go about accomplishing those goals.

Contact us directly to set up an appointment or to find out more about trust services.

John Stadsvold
Senior Vice President – O'Fallon
636-379-3426
Email John

Karen Sutor
Vice President-Trust Officer –Hannibal
573-221-6425 ext. 376
Email Karen

Debbie J. Stith
Administrative Assistant
573-221-6425 ext. 373
Email Debbie