personal finance Shenandoah Valley, Virginia Harrisonburg Winchester Staunton Timberville

What’s New for 2025?

To help you stay informed, here are five changes you can look forward to in the new year. Higher catch-up contributions for some. As of January 1,…
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Brushing Scam Information Shenandoah Valley Virginia Harrisonburg Staunton Winchester

What is a Brushing Scam? Why “Free Stuff” Isn’t Good News

Imagine this: a package arrives at your doorstep that you didn’t order. It seems harmless—even exciting—but it could mean you’re the target of…
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Choosing a Beneficiary for Your IRA or 401(k) Shenandoah Valley, Virginia Harrisonburg, Staunton, Winchester

Choosing a Beneficiary for Your IRA or 401(k)

Selecting beneficiaries for retirement benefits is different from choosing beneficiaries for other assets such as life insurance. With retirement benefits,…
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Have You Had Your Fiscal Physical Yet? Why End of Year Works Just as Well for Your Financial Wellness.

How did we get here? By “here” we mean almost at the end of the year. If it seems like this year flew by, you’re not alone. And if there are still…
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Stay Informed and On Top of Your Finances with F&M

At F&M, we are committed to providing you with actionable information to help you manage your accounts more efficiently. Our goal is to keep you informed…
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College Dorm Room

What expenses are included in the annual cost of college?

To most parents, the annual cost of college simply refers to tuition and room and board. To the federal government, however, the annual cost of college…
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Home improvements wealth management

Can Home Improvements Lower Your Tax Bill? It Depends

Most home improvements are not tax deductible — with one possible exception. In certain situations, you may be able to deduct improvements deemed necessary…
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retirement planning shenandoah valley harrisonburg staunton broadway timberville winchester virginia financial services

Investment Planning throughout Retirement

Investment Planning throughout Retirement Investment planning during retirement is not the same as investing for retirement and, in many ways, is more…
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Osaic Wealth Advisor Calan Jansen

Have You Met Calan Jansen, One of Virginia’s Leading Financial Advisors?

When it comes to managing your wealth and planning for your financial future, having an experienced and knowledgeable advisor by your side is crucial.…
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