Articles
DONOR ADVISED FUNDS: Simplicity, Flexibility & Generosity
Giving shouldn’t be complicated. If you are looking for a simple, flexible, and tax-wise way to manage your giving, consider a donor advised fund....
LETTER FROM THE PRESIDENT: Hope, Peace, and Joy
Dear Friends: HOPE. PEACE. JOY. These three little words make a world of difference. While financial issues can often bring feelings of doubt,...
Welcome FMCUSA Pension Participants!
FM Financial extends a warm greeting to all current FMCUSA pension participants. As mentioned in the recent communication (FAQ) from the Benefits...
LETTER FROM THE PRESIDENT: Your Best Next Step
Although the holiday season has just begun, we will embark on 2026 before we know it. The new year is a popular time to set goals and resolutions....
Saving
Some people save without having a specific goal in mind other than to amass wealth. Conversely, others may spend without considering that a lack of...
Budgeting
If you are looking to get serious about sticking to a budget in 2026, there are several methods you can use. Various experts may favor one method...
Getting Out of Debt
Debt has become an accepted and prevalent aspect of modern society. Unfortunately, debt essentially enslaves you and can lead to increased stress,...
LETTER FROM THE PRESIDENT: Our Unwavering Commitment to Giving
Billy Graham once powerfully stated, “If a person gets his attitude toward money straight, it will help straighten out almost every other area in...
Charitable Estate Planning: From Ordinary to Extraordinary
Preparing estate planning documents—like a will, trust, or powers of attorney—is often viewed as just another item on the adulting checklist. It's...
Year-End Giving 2025
Isn’t it a bit soon to think about year-end giving? The kids just went back to school! Actually, it is never too early to think about year-end...









