Financial Security Management Agency

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Financial Security Management Agency We do more than offer financial services—we empower your future! Let’s turn your financial goals into reality "Like" is not meant in the traditional sense. (FSM).

With professional guidance, focused strategies, and a dedicated team, we aim to make wealth management simple and stress-free. At Financial Security Management, we provide personalized strategies and guidance to help you create the retirement lifestyle you’ve always envisioned. There’s no single “best place” to put your retirement money—every individual and couple has unique goals, different comfort levels with risk, and varying timelines for when they’ll need access to their funds. That’s why your personal circumstances must always be the foundation of your plan. By tailoring solutions to fit each client’s needs, we’ve been able to help people from all walks of life work toward their financial objectives and enjoy retirement with confidence. We’d love the opportunity to discuss your retirement strategy and show you how our experience and approach can make a meaningful difference for you. Clicking the "Like" button does not constitute a testimonial for or endorsement of our investment advisory firm, any associated person, or our services. Clicking the "Like' button is merely a mechanism to circulate our page. In addition, postings to our page must refrain from recommending us or providing testimonials for our investment advisory firm. Because the SEC and state securities regulators generally prohibit testimonials, any such postings are subject to swift removal. Insurance products are offered through the insurance business Financial Security Management, Inc. FSM is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by FSM are not subject to Investment Adviser requirements. AEWM and FSM are not affiliated
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Medicare’s Annual Enrollment Period begins today.From October 15 through December 7, people with Medicare can review and...
10/15/2026

Medicare’s Annual Enrollment Period begins today.

From October 15 through December 7, people with Medicare can review and make permitted changes to Medicare Advantage and prescription drug coverage for the coming year.

Changes generally take effect January 1, 2027.

Start with the things that affect your everyday experience: your medications, providers, pharmacy, and potential costs.

Reviewing your coverage does not automatically mean you need to change it. It means taking time to understand your options.

Have questions? Contact our office to arrange a Medicare conversation.

Financial Security Management | Vienna, Ohio
330-539-1700
[email protected]
https://fsmagency.com

Five years from retirement and hearing about life insurance cash value?Your timeline matters.Some permanent life insuran...
10/14/2026

Five years from retirement and hearing about life insurance cash value?

Your timeline matters.

Some permanent life insurance policies build cash value that may be accessed through loans or withdrawals. But a new policy needs time and funding, and early cash values may be limited.

Loans carry interest. Loans and withdrawals can reduce policy values and death benefits, increase lapse risk, and create tax consequences.

A useful question is:

“How would this fit my insurance needs, budget, and time horizon?”

A policy should be evaluated on its full costs and benefits before you count on it for future spending.

https://fsmagency.com

Planning to retire around age 65?Do not assume October’s Medicare enrollment season is when everyone first signs up.Your...
10/13/2026

Planning to retire around age 65?

Do not assume October’s Medicare enrollment season is when everyone first signs up.

Your Initial Enrollment Period generally lasts seven months around your 65th birthday.

The fall Annual Enrollment Period serves a different purpose: reviewing and changing Medicare health and drug coverage.

If you will still have employer coverage at 65, understand how it works with Medicare before deciding when to enroll. Your circumstances may affect your timing.

Put Medicare enrollment on your retirement timeline alongside your last day of work and the end of employer coverage.

Those dates may not be the same.

https://fsmagency.com

What do you need your health insurance to do for you next year?Before Open Enrollment begins, take a moment to consider:...
10/12/2026

What do you need your health insurance to do for you next year?

Before Open Enrollment begins, take a moment to consider:

☐ Which doctors you want to continue seeing
☐ Which prescriptions you need covered
☐ What you can budget for premiums and out-of-pocket costs
☐ Whether your household, income, or access to employer coverage may change

ACA Open Enrollment through HealthCare.gov runs November 1 through December 15 for coverage beginning January 1, 2027.

Whether you already have Marketplace coverage or are exploring your options, Matthew Oaks and Sarah DeSantis are here to help you understand the next steps.

Start with your questions. We can work through them together.

Financial Security Management | Vienna, Ohio
330-539-1700
[email protected]
https://fsmagency.com

Imagine someone five years from retirement saying, “My life insurance is taken care of. I have it through work.”Then com...
10/10/2026

Imagine someone five years from retirement saying, “My life insurance is taken care of. I have it through work.”

Then comes the question:

“What happens to that coverage when you leave?”

The answer depends on the employer’s plan. Coverage may end, change, or offer continuation options with different costs and deadlines.

Before retirement, find out:

• How much coverage you have
• Whether it can continue
• What continuing it would cost
• Whether it still addresses your family’s needs

Having coverage today and understanding your options after retirement are two separate planning steps.

Have you checked yours?

https://fsmagency.com

A Medicare conversation can be more useful when you arrive with your own information.Before your review, gather:☐ Your c...
10/08/2026

A Medicare conversation can be more useful when you arrive with your own information.

Before your review, gather:

☐ Your current coverage information
☐ Prescription names, dosages, and how often you take them
☐ Your preferred pharmacy
☐ Doctors, specialists, and hospitals you use
☐ Your Annual Notice of Change
☐ Questions about costs or coverage that surprised you this year

Keep personal medical information and Medicare numbers out of social media comments.

For help preparing for a Medicare conversation, contact our office directly.

Financial Security Management | Vienna, Ohio
330-539-1700
[email protected]
https://fsmagency.com

You have a retirement date in mind. Have you looked at what changes when that day arrives?Your last paycheck may come wi...
10/07/2026

You have a retirement date in mind. Have you looked at what changes when that day arrives?

Your last paycheck may come with decisions about:

• Employer health coverage
• Life insurance through work
• Retirement contributions
• Pension options
• When to claim Social Security

These decisions can affect one another. Working through them ahead of time gives you room to ask questions and understand your options before a deadline adds pressure.

At Financial Security Management, we are here to help you identify what needs attention and how the pieces fit into your retirement plans.

Whether retirement is five years away or getting closer, bring us your questions. You do not need to have everything figured out before starting the conversation.

Local guidance, right here in Vienna, Ohio.

330-539-1700
[email protected]
https://fsmagency.com

Insurance products are offered through the insurance business Financial Security Management Agency Inc. Financial Security Management Agency Inc is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Financial Security Management Agency Inc. are not subject to Investment Adviser requirements. Financial Security Management is our firm name, this should not be seen as a promise or guarantee of investment results or preservation of principal. Financial Security Management Agency Inc is not affiliated with the U.S. government or any governmental agency. 4437520-09/26

“Living benefits” sounds helpful. But what does that phrase mean in your policy?Before counting on a benefit, ask:☐ Whic...
10/06/2026

“Living benefits” sounds helpful. But what does that phrase mean in your policy?

Before counting on a benefit, ask:

☐ Which illnesses or conditions qualify?
☐ What documentation is required?
☐ Is there a waiting period?
☐ How much could be available?
☐ Are there additional costs?
☐ How would using it affect the remaining death benefit?

A diagnosis alone may not satisfy a policy’s requirements. Benefits depend on the contract and rider terms.

Life insurance can sometimes address needs beyond a death benefit, but understanding the details is what makes that information useful.

Keep these questions with your policy for your next review.

https://fsmagency.com

Before you put that Medicare envelope in the “later” pile, check the title.If it says Annual Notice of Change, it deserv...
10/05/2026

Before you put that Medicare envelope in the “later” pile, check the title.

If it says Annual Notice of Change, it deserves a closer look.

This notice explains changes to your current Medicare plan’s costs and coverage for the coming year.

Even if you liked your plan this year, read what is changing before deciding to keep it.

A simple way to work through it:

• Circle anything you do not understand.
• Mark changes that could affect your care or budget.
• Write down questions for your coverage review.

Familiar coverage still deserves a fresh look.

https://fsmagency.com

About five years from retirement?Give yourself a clearer starting point with this checklist:☐ Write down your expected r...
10/04/2026

About five years from retirement?

Give yourself a clearer starting point with this checklist:

☐ Write down your expected retirement date.
☐ Estimate your essential monthly expenses.
☐ List possible income sources and when each could begin.
☐ Find out when employer health and life insurance would change.
☐ Include larger expenses, such as home repairs or replacing a vehicle.
☐ Talk with your spouse about what retirement means to each of you.

You do not need every answer today.

Start by identifying which answers you are still missing.

Follow our page for practical retirement and insurance education as you prepare for your next chapter.

https://fsmagency.com

Address

972 Youngstown Kingsville Road SE
Vienna, OH
44473

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+13305391700

Website

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