Like any complex system with multiple moving parts, FMi works best when all its components work right. Ever since founder Peter L. Macaluso set his new enterprise sailing three decades ago, that’s meant more than researching and employing the smartest retirement strategies – it’s meant keeping FMi’s heart as strong as its brains.

Keeping the spirit of its founder in mind, FMi has always been generous in support of numerous good causes.  Each holiday season, in lieu of office gifts, employees donate funds and dedicate them to various charities. (more…)

Do you have a retirement solution?

You hear that term a lot today, “retirement solution,” but what is it about, really? For some, that’s a difficult question to answer since their retirement solution is not clear. At FMi, that’s not a viable option. We say there’s a correct retirement solution for everyone, and finding it is about planning and preparing.

Are you saving? How much? Sure, you work hard, but are you taking money out of your retirement plan to travel and buy cars? The 401(k) plan was created as a vehicle for retirement, but all too often we think of it like a checking account, with an available balance to be constantly attacked – by loans and other in-service withdrawals that stop the 401(k) from growing and providing its top retirement income. (more…)