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F&M Investment Services


We offer a variety of insurance solutions to help our personal and commercial clients preserve earnings power and protect their assets. Utilizing long-­term financial planning, our experienced professionals will assist you in developing the financial strategies that are just right for you, with solutions like:

  • Life insurance

    With a wide variety of insurance options, we can help you determine which provider and policy can be used to maximize the protection of your family or business.

  • Long-term care insurance

    Long-term care insurance can provide benefits to help cover the cost of in-home care, adult day care, respite care and skilled nursing care. Let us help you select the proper plan and type of coverage.

  • Key person insurance

    Whether protecting your business from the disability or unexpected death of a key employee or owner, at F&M Trust, we can help explore and choose the right plan of protection so that your business can continue to operate with minimal interruption.

  • Annuities

    Available in various types, including fixed and variable, annuities are commonly used for current income or tax-deferred growth. After determining an individual's goals and objectives, we can help determine whether annuities are the correct financial tool to help you reach your goals.

For more information on insurance solutions, or to schedule a no-obligation appointment to discuss your financial goals, call (717) 264-6116 or (888) 264-6116.

Earnings Power Protection

Protecting your assets is one of the most important things you can do for your financial future. For most of us, this includes assets like our automobiles, homes and other personal items.

But the greatest asset that most people have is their future earnings potential. In order to protect your future earnings power, we offer insurance through our F&M Investment Services. Not only can adequate insurance protect your future earnings, but it can also provide security for your loved ones — spouse, children and grandchildren.

From whole life insurance to long-term care insurance to annuities, our investment representatives can assist you in the services that best meet your individual needs and circumstances.

For more information on insurance solutions through our F&M Investment Services, or to schedule a no-obligation appointment to discuss your financial goals, call (717) 264-6116 or (888) 264-6116 or contact us.

Corporate Headquarters
1500 Nitterhouse Drive
Chambersburg, PA 17201

Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory Services are offered through Cetera Investment Advisers LLC. Cetera is not affiliated with the financial institution where investment services are offered.


  • Are not FDIC-insured
  • May lose value
  • Are not financial institution-guaranteed
  • Are not a deposit
  • Are not insured by any federal government agency

View Cetera Investment Services’ privacy policy and other important information.

Investment executives are registered to conduct securities business and licensed to insurance business in limited states. Response to or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell or a solicitation of an offer to purchase brokerage services to people outside of the United States.

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