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Armstrong, Fleming & Moore
Armstrong, Fleming & Moore has advised D.C.-area families from its M Street office since 1983. The fee-only RIA specializes in retirement planning.
Armstrong, Fleming & Moore
Armstrong, Fleming & Moore opened its doors in 1983 as an early entrant into the then-nascent financial planning industry. Co-founders Alexandra Armstrong and Mary Moore built the practice on fee-based planning for professionals in the Washington, D.C. area. Today the firm operates as a registered investment advisor, with second-generation advisor Ryan Fleming, CFP®, and Mary L. Moore, CFP®, still actively managing client relationships from the firm's sole office at 1800 M Street NW. The firm constructs individualized portfolios across equities, fixed income, and managed accounts for clients concentrated around retirement transitions. The team of 20 — more than half of whom hold the CFP® designation — focuses on tax-aware distribution strategies and long-term capital preservation rather than opportunistic deployment. Armstrong, Fleming & Moore does not publicly disclose its third-party manager roster or custody relationships, consistent with its posture as a private advisory shop serving a local client base. The 20-person team includes 13 professionals listed on the firm's website, 11 of whom carry the CFP® mark. All staff work from the single Washington, D.C. office. The firm runs a concurrent philanthropic practice that integrates charitable planning into its core advisory work, though it does not operate a separate foundation. No recent fund closings, GP stakes, or co-investment structures are publicly recorded. Armstrong, Fleming & Moore's structural difference is negative: it is a true fee-only RIA, not a broker-dealer hybrid, and has remained deliberately single-office and single-city for over four decades. That architecture eliminates the conflict-of-interest disclosure burden that larger hybrid firms carry and anchors the firm's credibility with a concentrated book of D.C.-area retirees who value longevity of relationship over geographic breadth.
General information
Firm type
Bank / Wealth / Trust
Year founded
1983
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Washington
Corporate office
1800 M Street NW, Suite 1010-S, Washington, DC 20036, United States
Principals
Ryan Fleming
Advisor
Mary L. Moore
Advisor
Chris Rivers
Advisor
Frequently asked questions
Is Armstrong, Fleming & Moore a fiduciary, and how is it compensated?
The firm operates as a registered investment advisor, which carries a fiduciary duty to clients. Its website emphasizes fee-based planning and investment management, indicating it does not derive revenue from brokerage commissions or proprietary product sales. This structure aligns its incentives with the long-term performance and preservation objectives of its retiree-heavy client base.
Who are the key decision-makers on investment strategy?
The firm lists 13 advisors and team members on its public website, with Ryan Fleming, CFP®, AIF®, and Mary L. Moore, CFP®, identified as the senior-most advisory professionals. Given the firm's size, investment policy decisions are likely made by the senior advisor group collaboratively, though the firm has not publicly designated a Chief Investment Officer or published a formal investment committee roster.
Does the firm manage assets for institutions or only individuals?
Armstrong, Fleming & Moore's public marketing positions it exclusively as a personal financial advisor. All website content and team profiles are oriented toward individuals and families, particularly those approaching or in retirement. There is no mention of institutional separate accounts, endowment management, or corporate retirement plan advisory services.
What investment products does the firm use to build client portfolios?
The firm states that it builds customized portfolios but does not publicly list specific securities, fund families, or separate-account managers. Given its fee-only RIA structure, portfolios likely consist of individual equities, bonds, low-cost ETFs, and institutional mutual fund share classes, rather than high-commission products. The absence of public manager disclosures is typical for a small, privacy-focused advisory practice.
How does the firm integrate philanthropic planning into its services?
Its website signals that making a philanthropic impact is 'part of our business and our lives.' This typically manifests as advising clients on donor-advised funds, qualified charitable distributions from IRAs, and charitable remainder trusts — tools that are particularly tax-relevant for the firm's high-net-worth retiree clientele in a high-tax jurisdiction like Washington, D.C. The firm does not operate a separate 501(c)(3) foundation.
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