Independent advisors. Customized solutions. For a full life ahead.


We help you plan for retirement.

If you’re not sure where to begin with your retirement strategy, or find yourself facing questions regarding 401K or IRA rollovers, we are here to help and educate.

The financial management process at FMS Insurance Advisors begins with an in-depth evaluation of your current financial situation. Once we’ve established your overall objectives, we focus on your specific financial goals.

With changing economic conditions and market swings, we advocate for investing sensibly over the long term with an adequate level of insurance coverage.

Whatever your path, we work with you so you’re confident with our financial recommendations, whether you’re looking forward to retirement or are already enjoying it.

Retirement planning can include:

401K rollovers, IRA’s, and non-qualified funds

We can help you create a safe investment portfolio so you don’t have to worry about losing your hard-earned money.

Life Insurance

  • Term Life
  • Whole Life
  • Universal Life

Long Term Care Insurance

As we age, many services aren’t included in regular health insurance or Medicare policies. This includes assistance with daily routines like getting out of bed, dressing, or bathing. Long term care insurance can help cover costs related to nursing home, assisted living, and other long-term care expenses.

Funeral Expenses

Funeral costs are often a lot for a family to take on. We offer final expense insurance (often known as burial insurance), that will cover end of life & funeral expenses. This insurance ensures your loved ones have one less thing to worry about during the grieving process.

Estate Protection

We work with clients on protecting their assets and ensure that they’re able to pass their wealth to their heirs. We work closely with a network of experienced lawyers, investment professionals and insurance agents to create the best plans for your situation.

Make an appointment and start your retirement plan today!

What Our Clients Say

“Financial planning and saving for retirement have been dreaded tasks for me. I finally called Bob Schmaltz and he and his team put my fears to rest with the knowledge, confidence and support I needed. Had I known about this agency years ago, I would have addressed my financial future and well-being a lot sooner! Simply stated, FMS Insurance Advisors are the best of the best!”

— Jill F.