• Estate Settlement / Agent for Executor – Choosing an executor or personal representative is just as important as deciding who will receive your estate. As executor, we can make the settlement process easier and more efficient. We are responsible for managing and distributing your estate assets in accordance with the terms of your will. Our professional experience can save loved ones from the many burdens that accompany the settlement of one’s estate by acting as a neutral third party. We will also act as an agent for an executor who has been named but has chosen not to take on the burdensome task. As agent for an executor, we can provide full services or selective services on an as needed basis.
  
• Trust Under Will –A trust can be set up under your will for many purposes. It can provide financial supervision for a family member or members, or it can be set up for the benefit of an organization or charity. This type of trust can provide estate tax savings, protection for your spouse and/or family, and maintain flexibility that is not available with an outright bequest.
  
• Inter Vivos Trust – Commonly called a Living Trust, this type of trust is established during your lifetime. This trust offers the advantages of professional investment management, flexibility, record keeping, income services, bill paying and can reduce probate expenses. A Living Trust allows you to see your estate plan in action and allow you to modify your estate plan as needed.
  
• Guardianship Administration – As a corporate fiduciary, FNBM can serve as a court appointed guardian of the assets of an incapacitated person or a minor child.
  
• Investment Management – Based on our research and analysis, FNBM provides investment advice and management to meet your individual objectives.
  
• Employee Benefit – FNBM can serve as trustee or investment manager of your qualified retirement plan. We will provide investment management, asset record keeping, and benefit payment services. Our experienced individuals have the hands on knowledge to manage your plan.
  
• Individual Retirement Account – FNBM can serve as trustee or custodian of an IRA or IRA Rollover Account. With the IRA product you have the flexibility to have us perform the investment management or as custodian, you can retain the investment responsibility but have us perform the custodial services.
  
• Custody – In this capacity, FNBM provides administrative, clerical and custody services which include record keeping, income collection, safekeeping and purchasing or selling of securities at your direction. You make the investment decisions.
  
• Corporate Trust – FNBM can serve as trustee, investment manager, paying agent or escrow agent for various governmental agencies such as school districts and municipal authorities.
  

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