Morris Armstrong

Enrolled Agent
Personal Finance, Taxes, Lifestage Based Planning
“Morris Armstrong operates under a fiduciary standard all of the time, whether he is advising clients on financial matters or representing them before the Internal Revenue Service, his mission is to help clients achieve their goals, not his.”

Armstrong Financial Strategies

Job Title:



Morris Armstrong founded Armstrong Financial Strategies in 2001 as fee-only firm. The firm does not accept commissions or referral fees and the only source of its income is from the client.  Morris has taught at Marymount College in Tarrytown, NY and has written extensively on the subject of investments, taxes and planning for Multex Investors, which Reuters purchased in 2003.

Morris has also been active in the field of divorce planning, and in 2008, the Connecticut Law Tribune recognized his efforts. The lawyers in the state voted him as one of the top three planning firms in the state.

Morris has written for and been quoted in numerous publications including the Wall Street Journal, New York Times, Financial Planning magazine, Wealth Manager Magazine and Yahoo Finance. His investment philosophy has been shaped by both John Bogle and Eugene Fama, and is his portfolios, which are a blend of passive and active vehicles, reflect this.

While he enjoys divorce planning, it can be draining and he prefers not to work with those couples who believe that “War of the Roses” was a manual for divorce. He enjoys his role as an Enrolled Agent helping people resolve their issues with the IRS, whether it is a notice or something more involved such as an audit or offer in compromise.


BBA, Banking, Pace University

Assets Under Management:

$12 million

Fee Structure:

Fee Only

CRD Number:



The answers presented on Ask an Advisor, together with any commentaries, articles or other opinions should be considered general information presented to inform the public. They are based on the information provided in the question, which may have omitted important details that would have changed the answer had they been known. 

Articles and answers are not intended as a solicitation of an offer to buy or sell any security investment or instrument or to participate in any particular trading strategy. Armstrong Financial Strategies and Morris Armstrong, EA. are not responsible for, and expressly disclaims all liability for, damages of any kind arising out of use, reference to, or reliance on any information contained within this site. The general information contained in this publication should not be acted upon without obtaining specific legal, tax, and investment advice from a licensed professional.

  • Morris Armstrong
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October 2017
    Personal Finance
February 2018
    Taxes, Income Tax
December 2017
    Personal Finance, Tax Deductions / Credits, Taxes
July 2017
August 2017

All Answers
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    IRAs, Taxes
If I missed the deadline for my 2017 required minimum distribution (RMD) but did withdraw in January 2018, do I include the RMD as income in my 2017 or 2018 tax filing?
70% of people found this answer helpful

The proper procedure is to take the distribution as soon as possible after the fact.  You already did this.  The income is reported on your 2018 return.  When you complete the 5329 make sure that you state why you failed to take it and the corrective action that you took.  The penalty is 50% of the RMD and that is the amount which you ask to have waived.  I would not include the penalty in the tax payment since it is very likely that the waiver will be granted.

March 2018
    Taxes, Insurance
How are life insurance proceeds taxed?
68% of people found this answer helpful
January 2017
What is the best method of calculating depreciation for tax reporting purposes?
67% of people found this answer helpful
January 2017
    Financial Planning
Where should I keep cash in the event of a total market crash?
60% of people found this answer helpful
June 2017
    Financial Planning, Retirement, Lifestage Based Planning
How would I set up a financial plan without retirement in mind?
57% of people found this answer helpful
February 2017