FM-FINANCIALSERVICES.COM

Cal Van Beek

Our Products and Services. Should I Invest In REITs? Are Real Estate Investment Trusts right for your portfolio? What Our Kids Can Teach us About Saving Money. Would you guess that Millennials are effectively saving for retirement? Well, they are. The Fed and How It Got That Way. A quick history of the Federal Reserve and overview of what it does. How to Retire Early. Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts. What Is an Annuity? A visit to th...

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Cal Van Beek | fm-financialservices.com Reviews

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Our Products and Services. Should I Invest In REITs? Are Real Estate Investment Trusts right for your portfolio? What Our Kids Can Teach us About Saving Money. Would you guess that Millennials are effectively saving for retirement? Well, they are. The Fed and How It Got That Way. A quick history of the Federal Reserve and overview of what it does. How to Retire Early. Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts. What Is an Annuity? A visit to th...

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Cal Van Beek | fm-financialservices.com Reviews

https://fm-financialservices.com

Our Products and Services. Should I Invest In REITs? Are Real Estate Investment Trusts right for your portfolio? What Our Kids Can Teach us About Saving Money. Would you guess that Millennials are effectively saving for retirement? Well, they are. The Fed and How It Got That Way. A quick history of the Federal Reserve and overview of what it does. How to Retire Early. Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts. What Is an Annuity? A visit to th...

INTERNAL PAGES

fm-financialservices.com

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Lifestyle | Farmers & Merchants Financial Services

http://www.fm-financialservices.com/resource-center/lifestyle

Creating a life map involves a close review of personal finances and an assessment of other building blocks. Lifestyle matters look at how to balance work and leisure, how to make smart choices for the future, and many other items in an effort to help an individual “enjoy the journey.”. The Richest Man in Babylon. In good times and bad, consistently saving a percentage of your income is a sound financial practice. Using smart management to get more of what you want and free up assets to invest. Military ...

2

Resource Center | Farmers & Merchants Financial Services

http://www.fm-financialservices.com/resource-center

Steps to consider so you can potentially accumulate the money you'll need to pursue the retirement activities you want. Create an investment strategy that’s designed to pursue your risk tolerance, time horizon, and goals. Manage personal affairs while you're alive and control the distribution of wealth upon your death. A well-structured insurance strategy can help protect your loved ones from the financial consequences of unexpected events. Securities and Advisory services offered through LPL Financial.

3

What Is an Annuity? | Farmers & Merchants Financial Services

http://www.fm-financialservices.com/resource-center/retirement/what-is-an-annuity

What Is an Annuity? Still Selling Strong. In 2015, investors purchased $236.7 billion in annuity contracts. Most of this capital—$133 billion—went into variable annuities. Source: LIMRA, 2016. Individuals hold more than $2.0 trillion in annuity contracts; a tidy sum considering an estimated $7.4 trillion is held in all types of IRAs. There are two main types of annuities. Fixed annuities offer a guaranteed payout, usually a set dollar amount or a set percentage of the assets in the annuity. Variable annu...

4

Tools | Farmers & Merchants Financial Services

http://www.fm-financialservices.com/tools

Our glossary of terms has more than 200 entries that explain various financial concepts, ideas, and strategies. Scroll through and find the information you need. Our tax center was designed to help you access the resources you may need to prepare for the upcoming tax season. Click on the link to find tax tools and information. Our collection of 40 calculators is a great starting point if you have a question or concern about your personal finances. Click on a calculator to begin. 159 West James Street.

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Glossary | Farmers & Merchants Financial Services

http://www.fm-financialservices.com/tools/glossary

A method of exchanging insurance-related assets without triggering a taxable event. Cash-value life insurance policies and annuity contracts are two products that may qualify for a 1035 exchange. A 403(b) plan is similar to a 401(k). A 403(b) is a qualified retirement plan available to employees of non-profit and government organizations. A mortgage with an interest rate that is adjusted periodically based on an index. Adjustable-rate mortgages generally have lower initial interest rates than fixed-r...

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Cal Van Beek

Our Products and Services. Should I Invest In REITs? Are Real Estate Investment Trusts right for your portfolio? What Our Kids Can Teach us About Saving Money. Would you guess that Millennials are effectively saving for retirement? Well, they are. The Fed and How It Got That Way. A quick history of the Federal Reserve and overview of what it does. How to Retire Early. Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts. What Is an Annuity? A visit to th...

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