The F&M Bank & Trust can help you decide what's best for future financial planning.

What types of IRAs do we offer?

Individual Retirement Accounts are an important part of planning for your future financial well-being. These types of accounts offer tax advantages and there are two primary categories of IRAs: Traditional and Roth.

  • A Traditional IRA may allow you to defer payment of taxes on contributions or rollovers from 401(k), 403(b), pension or profit sharing plans, as well as tax-sheltered annuities (TSAs) until the time of withdrawal.

  • Roth IRAs differ from traditional IRAs in that contributions are non-deductible — but qualified withdrawals are tax-free! Whether you wish to roll over your qualified plan balance from a former employer or transfer your account from another institution, our friendly staff can quickly assist you.

Whether you’re starting a new IRA or rolling over your current IRA to F&M Bank & Trust, we are ready to assist you.  

Contact the Wealth Management Team to learn more about Rollovers.
F&M Bank & Trust, Trust Services are: Not FDIC Insured, May Loose Value and Not Bank Guaranteed
Consult Your Tax Advisor for Tax Benefits