Torrey Zimmerman

Crossroads Church
Albert Lea, Minnesota

"FCMM provided not only really good information but an actual solution"

When Torrey Zimmerman stepped into his role as senior associate pastor, he immediately faced a problem: The church had missed the deadline for filing a retirement plan document—which meant that if anyone on the staff was planning to retire soon, they couldn’t access their funds. 

The error had occurred due to changes in government regulations. And, fortunately, no one was contemplating retirement, so Torrey had a bit of time. Yet as he began contacting plan administrators to walk them through the process, he realized he faced an uphill battle. “Most groups told us, ‘We don’t deal with individual churches,’” Torrey says. So no one would help him. 

That was before he learned about FCMM and how, by signing onto FCMM’s group plan document for EFCA churches, Crossroads Church could transfer over all its accounts. “FCMM provided not only really good information but an actual solution,” Torrey says, “whereas other people had refused to step in.”

And throughout it all, the customer service rep he dealt with “was the magician who made the whole thing happen.”

“If she wasn’t aware of the answer to our question, she’d get back to us really quickly,” he adds. “As we prepared to get everyone enrolled, she even helped us get all the paperwork filled out—down to that granular level. We had a strong sense of being valued that we didn’t experience with anyone else.”

Torrey’s commendation of FCMM goes beyond the customer service to the actual products offered. “FCMM offers a high degree of control to the individual investor, helping you customize—even choosing to invest only in businesses and opportunities that aren’t morally objectionable.” 

Although only 43 himself, and “hoping to not need to draw on retirement funds for a couple of decades,” Torrey has a whole staff team to care for. His advice for others in an executive pastor role? “Get in there and allow the people at FCMM to help you explore the options. There’s no reason not to.

“This is an amazing gift you can give your staff.”

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