Investment Services

Mutual Funds, Annuities and Insurance products offered by Cetera Investment Services, LLC. Through Cetera Investment Services we help people work towards their financial goals.

Your needs and goals are unique. We can help you objectively assess your personal situation and set realistic financial goals that are in line with your time horizon and risk tolerance. We are committed to helping you achieve your financial goals more easily.

Contact our Investment Representative:

Scott Rustad (scott.rustad@ceterais.com)

Chatfield Office – 507-867-1605

Preston Office – 507-765-3823

A Client-Centered Approach. We are here to help you:

  • Save for retirement – before and during your retirement years
  • Protect your family or family business with risk management solutions
  • Save for college expenses
  • Minimize taxes through tax-advantaged investing*
  • Create lifetime income strategies
  • Maintain your independence with long-term care insurance
  • Gain confidence in your investment choices
  • Create a legacy for your family
  • Increase your understanding of Social Security
  • Preserve your wealth
  • Fulfill your charitable wishes

Superior Products

  • Fixed and Variable Annuities
  • Mutual Funds
  • Life Insurance
  • Tax-Advantaged Investments*
  • Long-Term Care Insurance
  • Disability Insurance
  • Retirement Plans
  • Money Market Funds

*Consult your legal or tax counsel for advice and information concerning your particular circumstances. Neither Cetera Investment Services nor any of its representatives may give legal or tax advice.

Securities, insurance products and advisory services offered through Cetera Investment Services LLC, member FINRA/SIPC and is not affiliated with F&M Community Bank. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency. Cetera is under separate ownership from any other named entity.

View Cetera Investment Services privacy policy and other important information.

Investment Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

Cetera Investment Services, LLC

As one of the nation's largest broker-dealers dedicated to serving financial institutions, Cetera Investment Services offers quality investment and insurance solutions. Registered in all 50 states, Cetera is a member of the Depository Trust and Clearing Corporation (DTCC), the Financial Industry Regulatory Authority (FINRA) www.finra.org, and the Securities Investor Protection Corporation (SIPC) www.sipc.org.