Mary Lou Smart




Mary Lou Smart, FPQP

Operations Manager

[email protected]



Prior to assuming her role as operations manager at Armstrong, Fleming & Moore, Inc., 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 15 years.

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.


Getting to Know Mary Lou


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. Mary Lou currently lives in Washington, DC’s Penn Quarter neighborhood with her husband, Tom Bernaciak. In her free time, she enjoys cooking, reading, and traveling. Last year, she and Tom had a blast touring around Ireland and also visited Henderson, NC, and Florida, too. Planned for this year is a trip to Lisbon.

Place Mary Lou would most like to visit in 2020: Lisbon