About Wealth Management

Learn about our Trust Services and Brokerage Team 

Wealth Management at F&M Bank & Trust is under the marketing umbrella of Integrated Financial Resources (IFR).  The integration of Brokerage and Trust Services is unique in that all employees of IFR are salaried employees (or hourly) and act as fiduciaries. Taking away the cloud of a possible commission, allows our employees to do what is in the clients best interest with their recommendations. It also allows the Brokerage and Trust units, while independent to act as a true team for F&M Bank & Trust client's. 

Navigators Program

What started as bank travel for clients has turned into a program designed to let our clients know what is occurring in and around our community. On an annual basis, the Navigators Program will have several Lunch-N-Learn seminars, which are highly educational on a variety of topics.
F&M Bank & Trust, Trust Services are: Not FDIC Insured, May Loose Value and Not Bank Guaranteed