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Mary Lou Smart, FPQP™

Operations Manager

Prior to assuming her role as operations manager at Armstrong, Fleming & Moore, Mary Lou worked for 22 years as practice administrator for a financial planning firm in Naples, Florida. During that time, she acquired a broad range of experience while providing customer service for clients, administrative support, and as a liaison between the company and investment, insurance, and regulatory agencies. She has been a registered assistant with Commonwealth Financial Network® for more than 10 years. She holds the FINRA Series 7 securities registration and is a Financial Paraplanner Qualified Professional™.

Mary Lou's work experience includes eight years in banking—specializing in customer service and credit analysis for midsize corporations—with Security Pacific National Bank (now Bank of America) in San Francisco and Manhattan and CoreStates (formerly Philadelphia National Bank and now Wells Fargo) in Philadelphia. While living in Naples, Florida, she was a freelance writer and wrote about everything from real estate to tropical landscapes and life in the Everglades. She holds a BA in journalism from the University of South Carolina in Columbia, South Carolina.

Mary Lou lives in Washington, DC’s Chinatown neighborhood with her husband, Tom Bernaciak. In her free time, she enjoys spending time outdoors, cooking, reading, and traveling.