Our Principals

Our Principals

Independent for more than 30 years, AFM is wholly owned by the five principals.

Learn more about us by clicking on a name or photo.

 

Meet Our Team

Alexandra Armstrong, CFP®

Chairman

Alexandra Armstrong (Alex) is the chairman and founder of Armstrong, Fleming & Moore, Inc. In her role as a principal of the firm, she provides comprehensive financial planning services to single women and couples, primarily retirees or those close to retirement. Alex is a CERTIFIED FINANCIAL PLANNER certificant and is a Registered Representative with Commonwealth Financial Network®.

Alex has worked in the investment field for more than 40 years. In 1977, she was the first person to earn the CERTIFIED FINANCIAL PLANNER™ certification in Washington, DC. Previously a senior vice president of a New York Stock Exchange firm, she founded her own financial planning firm and broker/dealer in 1983.

Alex coauthored a book for widows with psychologist Mary R. Donahue in 1993, titled On Your Own: A Widow’s Passage to Emotional and Financial Well-Being, which is in its fifth edition. She writes a monthly column on financial planning topics for the monthly magazine of the National Association of Investment Clubs.

A native Washingtonian, Alex has been active in the local community. A past president of the Boy Scouts of America, National Capital Area Council (its first and only female president), she continues to serve on its advisory board.  She served on the national board of Reading is Fundamental (past treasurer) for over twenty years. She is past president and current member of the Women’s Forum of Washington DC, which is part of an international organization of preeminent women in their respective fields.  She is a member of the Cosmos Club (past chair investment committee). 

Throughout her career Alex has received several awards for her achievements. Among them, in 2004, she was the first woman to receive the P Kemp Fain, Jr., Award*, which is one of the highest recognitions bestowed on financial professionals annually by the Financial Planning Association. In 2006, she was inducted into the Washington DC Business Hall of Fame.  In 2013, Alex received the Special Services Award from Commonwealth Financial Network for her volunteer activities. In 2014, she received the Invest in Others Charitable Foundation Lifetime Achievement award for her national work with the Foundation for Financial Planning. In 2016, Alex was awarded the Women to Watch Lifetime Achievement Award** by Investment News in New York City.  As part of this award a scholarship was created in her name.

Alex served for seven years on the national board of the International Association for Financial Planning (the precursor to the Financial Planning Association), retiring as chairman in 1987 after becoming the first woman to hold that position. She also served as chairman of the Foundation for Financial Planning (2000) and continues to serve on that board.

*The P. Kemp Fain Jr. Award recognizes an individual who has made outstanding contributions to the financial planning profession. Nominees for the award are professionals who have made outstanding contributions to the financial planning profession in the areas of service to society, academia, government, and professional activities.

**The 2015 Women to Watch Lifetime Acheivement Award celebrates pioneers in the world of financial planning. It recognizes women who have had long careers as advisors, a track record of leadership in the profession and/or charitable organizations, and a demonstrated commitment to services as a role model or mentor to other women. It also acknowledges women who have earned the admiration and respect of their peers.

Ryan M. Fleming, CFP®, AIF®

Principal

Ryan is a principal of Armstrong, Fleming & Moore, Inc. He provides comprehensive financial planning services to individuals and couples, including guidance on investment, retirement, tax, estate planning, and insurance issues.

A native Washingtonian, Ryan and his family reside in Rockville. The household includes Ryan’s wife, Betsy, father Robert, and three dogs (Leo, Sami, and Biagio).

In his spare time, Ryan enjoys all things hockey (Let’s go, Caps!), technology and gadgets, and the frustration of chasing a little white ball around a well-manicured field.

Ryan is a CERTIFIED FINANCIAL PLANNER™ certificant, and Accredited Investment Fiduciary® and holds FINRA Series 7, 31, and 63 securities registrations as a Registered Representative with Commonwealth Financial Network®, as well as various state insurance licenses. He is a member of the AFM Investment Committee.

Ryan previously served as president and chairman of the Financial Planning Association’s National Capital Area chapter, one of the nation's largest chapters. He is a member of the Economic Club of Washington and of the Washington DC Estate Planning Council. He has been quoted in many publications.

Ryan attended Montgomery College and the University of Maryland at College Park, with a focus on finance. Ryan worked his way through school as the manager of a liquor store (a fantastic job for a college student), a waiter for a variety of catering companies, and, most importantly, as an intern at Alexandra Armstrong Advisers in 1991, the firm that eventually became Armstrong, Fleming & Moore, Inc.

Mary L. Moore, CFP®

Principal

As a principal of Armstrong, Fleming & Moore, Inc., Mary provides individuals with highly personalized and comprehensive guidance for investment, retirement, long-term care, and estate planning issues, as well as other wealth management needs. She joined AFM in 2002, choosing it for its independent approach in working with clients. 

Mary earned her BA in liberal arts from Villanova University. She started her professional career as a Russian linguist. Upon earning her MBA in finance and business economics from the George Washington University, she began her business career in commercial banking with a major regional bank, where she worked for more than 10 years, rising to the level of senior vice president. She then held a senior executive position in the financial regulatory field at the Federal Housing Finance Board before beginning her career as a financial planner. She was named a principal at Armstrong, Fleming & Moore in 2003.

Mary is a CERTIFIED FINANCIAL PLANNER™ certificant and has her FINRA Series 7, 31, and 63 securities registrations as a Registered Representative with Commonwealth Financial Network®, as well as various state insurance licenses. She is a member of the Financial Planning Association, National Capital Area, and the Washington DC Estate Planning Council, and is a past member on the Investment Committee of the American Association of University Women. In addition to being an active member of the AFM investment committee, she is AFM’s in-house expert in long-term care insurance.

After growing up in Northern New Jersey, Mary retains great affection for the New York City area. Mary and her husband, Stephen, have lived in Chevy Chase, Maryland, for 30 years. She has volunteered at the Hillwood Museum in Washington, DC, and in her spare time enjoys hiking, the theater, and travel.

Chris Rivers, CFP®

Principal

As a principal of Armstrong, Fleming & Moore, Inc., Chris provides individuals and couples with personalized and comprehensive financial planning services, including guidance on investment, retirement, tax, and estate planning issues, as well as other wealth management needs.

Chris and his wife, Caroline, grew up in Rockville, Maryland. They live in Potomac, Maryland, with their three children, Annie, Billy, and Claire, and their dog Oliver. In the little free time he has, Chris likes to read, particularly history and classic novels. He is an avid music fan with a growing collection of vinyl LPs and is a craft beer enthusiast who enjoys exploring esoteric styles. He is a mediocre golfer, volunteer basketball coach, and passionate fan of the Washington Nationals and the University of Maryland, along with the Wizards and Redskins. A baseball history buff, he is a member of the Society for American Baseball Research. 

Chris earned a degree in finance from the University of Maryland. After graduation, Chris joined Armstrong, Welch & MacIntyre, a precursor to AFM, as a portfolio analyst. He served in that capacity for seven years, working primarily with Alex Armstrong. He then earned his CERTIFIED FINANCIAL PLANNER™ certificate and began working with clients of his own.

He currently serves on the board of directors of the Financial Planning Association’s National Capital Area chapter. He has been quoted in Financial Times and The Washington Times, and has spoken at DC-area schools on financial planning topics. Chris has served as a subject matter expert for the Certified Financial Planning Board of Standards, contributing to the development and review of questions for the CFP® certification examination. Chris also holds the FINRA Series 7 and 63 securities registrations as a Registered Representative of Commonwealth Financial Network®, as well as various state insurance licenses. He is also a member of the AFM Investment Committee.

Carl Holubowich, CFP®

Principal

As a principal of Armstrong, Fleming & Moore,  Inc., Carl provides individuals and couples with personalized and comprehensive financial planning services, including guidance on investment, retirement, tax, insurance and estate planning issues, as well as other wealth management needs.

Carl was born in Toronto, Canada, and grew up in West Caldwell, New Jersey. After growing up in the suburbs of New Jersey, he wanted to live in a city environment, so he attended George Washington University, which is located just a few blocks from our office in the District of Columbia. Looking for a full-time summer job so he could stay in the area, he started as an intern with AFM in June 2002. After graduating with his bachelor's degree in business administration, Carl accepted a full-time job in AFM's Operations department in May 2003. Carl eventually became a portfolio analyst, working primarily with clients in that capacity. In March 2014, AFM welcomed Carl as a principal of the firm and he began working with clients of his own.One of the reasons Carl entered into the financial planning business was he saw firsthand the devastating effects bad financial decisions can have on a family. His father struggled to manage the proceeds from the sale of the business he worked hard to build for many years, and also on what to do with his free time now that he no longer going to work every day. In order to better serve clients and help them avoid some of the mistakes his father made, Carl obtained his CERTIFIED FINANCIAL PLANNER™ certificate in January 2011. He also holds the FINRA Series 7 and 63 securities registrations as a Registered Representative of Commonwealth Financial Network®, as well as various state insurance licenses.

In addition to his work with clients, Carl is a member of the AFM Investment Committee, is editor of AFM’s Financial Strategies newsletter and serves on the board of directors of the Financial Planning Association’s National Capital Area chapter.

He lives in Alexandria, Virginia, with his wife, Emily, and his two daughters Jacqueline and Caroline. In his free time, Carl likes to work out, scatter golf balls into the woods at his local golf course, relax by the pool, and eat at the many restaurants in the DC area (sushi is his favorite). He is a passionate fan of the New York Jets and Notre Dame football teams, as well as the New Jersey Devils hockey team.