Our Specialization

We have advised on thousands of Medical, Dental, Vision, Life & Disability, and Voluntary Product contracts. Licensed nationwide, we provide extensive analysis and creative solutions for your plan design, claims cost, network savings and employee utilization.

It is our goal to help our clients run effective retirement programs for their employees, to act with the interests of participants in mind, and build bridges to close the current gap of employee “retirement readiness".  We are also committed to protecting fiduciaries who oversee these functions as well as managing the intricacies of their plans and giving them necessary information to help them make informed decisions.

In a world of limited HR departments, we continue to pride ourselves in our commitment to excellent service and individualized consulting. Our goal is to become an extension of the Human Resource Department available to aid and equip the HR department for efficient and effective benefit administration.

Health & Welfare Plans
Retirement Plans


HR Support

© 2020 by FM Financial Services Inc. Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC.Kestra IS and FM Financial Services are not affiliated companies. Investor Disclosures: https://bit.ly/KF-Disclosures

This site is published for residents of the United States only. Registered Representatives of Kestra Investment Services, LLC may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact our Compliance department at 844-5-KESTRA (844-553-7872).