Financial Planning

Plan with Purpose. Live with Confidence. 

At F&M Bank & Trust, Trust Services, we believe financial planning is more than just numbers — it’s about helping you create a clear path to the life you want. Whether you're planning for retirement, saving for your child's education, or just looking for a smarter way to manage your money, we’re here to help every step of the way. 

What We Offer

☛  Personalized Financial Strategies
Every individual and family is unique. We tailor your plan to fit your goals, values, and current financial situation — no one-size-fits-all solutions here.

☛  Retirement Planning
Get a customized roadmap to retirement that helps ensure your money lasts as long as you do.

☛  Investment Management
We offer objective, research-based investment strategies aligned with your risk tolerance and long-term goals.

☛  Education & College Funding
Set your children or grandchildren up for success with smart, tax-advantaged savings strategies.

☛  Tax Planning
Maximize your income and minimize your tax burden with proactive planning that works hand-in-hand with your tax professional.

☛  Estate & Legacy Planning
Make sure your wishes are honored and your loved ones are protected with comprehensive estate guidance.

Why Work With Us?

✔  Experienced Advisors
Our team brings years of professional expertise and a passion for helping clients thrive financially.

✔  Fiduciary Commitment
Your best interests come first — always. We’re here to guide, not to sell.

✔  Ongoing Support
Financial planning isn’t a one-time event. We offer ongoing reviews and adjustments as your life and the markets evolve.

Let’s Build Your Financial Future — Together

Your goals matter. Let’s talk about how we can help you achieve them. If you are a client at F&M Bank & Trust, this service is free to you. It is a great value to take the first step toward a stronger financial future.

Contact Kelli Johnson or Justin Poellot to set up an appointment. 
 
Kelli Johnson, CFP®, CSA®
Vice President /
Trust Officer &
Director of Financial Planning

MAIN BANK - BURLINGTON

 


Justin Poellot, CFP®
Trust Operations Specialist/CFP® 

MAIN BANK - BURLINGTON


Certified Financial Planner Board of Standards Inc. owns the certification marks CFP(R), CERTIFIED FINANCIAL PLANNER(tm) and the federally registered CFP (with flame logo) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
 
F&M Bank & Trust, Trust Services are: Not FDIC Insured, May Loose Value and Not Bank Guaranteed