Welcome to the Financial Management Services web site

FMS is a fee-based investment manager that will work with you to develop a customized investment portfolio consistent with your investment goals and risk tolerance.

FMS provides unbiased advice and clear, comprehensive reports detailing the structure and value of your portfolio. We align our efforts with your interests. We are compensated on a fee basis exclusively and do not receive commissions from transactions, nor is there any direct compensation derived from the use of any recommended investment product, broker or mutual fund.

Our selection and use of Charles Schwab & Co., Inc. is based on their competitive position in the brokerage field as well as their providing software products at no cost such as Schwab Data Delivery, custodial and record keeping services that enable FMS to maintain a low overhead cost. Additionally, Schwab support services help your portfolio manager to spend more time each day doing necessary research and portfolio administration.

Communicating with clients on a regular basis gives them an opportunity to more fully understand the long-run effect of the investment decisions, and therefore they are more likely to be patient through the difficult times. As you develop personal contact with FMS, the best benefit of all may be your understanding that we are constantly concerned about your investments, so you may relax and enjoy the benefits of your long-term investment portfolio.

You are assured of the personal attention and continued dedication that you expect from an independent investment advisor.

The information contained herein is designed to supplement and not substitute for the disclosure document FMS is required by law to provide to clients. Please carefully review these documents which are provided to all clients prior to engaging our services:

Form CRS
FMS Brochure (Part 2A of our Form ADV)

Please also note that FMS may provide investment advice in your state of residence only if it first files a notice or is exempted from filing a notice in that state. Nothing in this website should be construed as providing personalized investment advice in the absence of compliance with applicable state requirements.