As an investment advisory firm, FMS works solely for you—not for any company selling investment products. We are fully independent and operate on a transparent, fee-based structure, just like your other trusted professional advisers. Our fees are fully disclosed, and we receive no compensation, directly or indirectly, from any fund or investment provider.

For our retirement plan clients, FMS provides investment advice to the plan and its participants within the guidelines established under Section 408(g) of the Employee Retirement Income Security Act (ERISA), and act as an investment fiduciary under either ERISA Section 3(21) or 3(38) and the Pension Protection Act of 2006 (PPA).

As an employer, plan sponsor, or Trustee, your role is to monitor the advice provided by FMS. Under ERISA Section 408(g)(10), employers and plan sponsors are not liable for the investment advice we deliver as a fiduciary adviser.

Few local firms offer the depth of fiduciary support and retirement plan expertise that FMS provides, helping you meet your obligations with confidence and empowering your employees to build a more secure financial future.