Picture of Mike Fleming

    Mike Fleming

    CFP®, ChFC®, CLU®

    Connect
    MassMutual St. Louis - Main Office
    14567 North Outer Forty Drive Suite 300 Chesterfield, MO 63017-1706
    Get directions

    Check the background of this investment professional on FINRA's BrokerCheck

    About Mike

    If he ever decided to leave the financial services industry, Mike Fleming might want to think about a second career as a motivational speaker. That’s because he is skilled at setting ambitious goals for himself and others, and then working as hard as   he can to exceed them. As an advisor working with individuals on comprehensive financial planning, and also as a founder of R&F Financial Group, Mike is the kind of leader who motivates everyone around him to strive for success. His clients – and his associates – know that with Mike in charge, they’ll get the guidance they need to help them achieve their financial goals.

    Mike offers a wide range of services for successful working professionals. Through careful listening, he learns about each client’s unique objectives, and then designs a strategic financial plan to help accomplish their goals. Mike feels his services are especially helpful for individuals who are at or near retirement. He can help them plan the transition from accumulating assets,  to  counting  on  them  for  daily  living. Mike understands that most people are so concerned about saving for retirement, that they never take time to think about spending in retirement. He knows it’s critical to plan for challenges like the risk of outliving savings, withdrawing too much too soon, investment losses, and increases in future health care costs. Mike is well-known in the St. Louis area for his expertise in retirement income planning. He was one of the first advisors to be recognized as a Retirement Income Certified Professional (RICP®).

    A St. Louis native, Mike graduated from the business school at the University of Missouri-Columbia with a degree in Business Management. He liked numbers and learning about finance, and he knew he wanted to work with people. Mike soon learned that as a financial advisor he could have a career as both a “numbers guy” and a “people-person”. True to his competitive, goal-oriented nature, Mike earned membership in the prestigious Million Dollar Round Table (2004) after only three years in financial services. In 2011, Mike and Brian Roberts founded R&F Financial Group so they could make real their vision of building a local planning group that would offer a personal, high-touch approach to providing comprehensive financial planning for individuals and businesses.

    Industry education and certification are extremely important to Mike, so immediately  after  beginning his career he began earning industry designations. In addition to the RICP®, he’s earned his Certified Financial Planner® (CFP®), Chartered Life Underwriter (CLU), and Chartered Financial Consultant (ChFC) designations. He keeps current on industry events as a member of the National Association of Insurance and Financial Advisors.

    Outside of work Mike keeps busy with his family, wife Lindsay and young sons Caden and Mason. He’s active in his community as a frequent sponsor of events at his own high school, DeSmet Jesuit. Mike loves sports – he played basketball in college, but today he is mainly a spectator. He follows all of the local teams closely; during each season you can find him rooting for the Cardinals, Rams, Blues, and of course for his alma mater the Missouri Tigers!

    Area(s) of Focus

    • Insurance Strategies
    • Investment Strategies

    Offices operating under an alternative marketing name may offer products, services, or guidance outside of their relationship with MassMutual, MML Investors Services, MSI Financial Services, Inc., or their affiliated companies. Any such offices are not subsidiaries or affiliates of MassMutual or its affiliated companies.

    Mike Fleming CLU®, ChFC®, CFP® is a registered representative of and offers securities through MML Investors Services, LLC, Member SIPC, 14567 North Outer Forty Drive, Suite 300, Chesterfield, MO 63017-1706, Tel: (636) 728-2400

    MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. Local sales agencies are not subsidiaries of MassMutual or its affiliated companies. Agency officers are not officers of MassMutual.


    I am licensed to sell Insurance Products in the following jurisdictions:
    Colorado, Florida, Illinois, Kansas, Missouri, North Carolina, Oklahoma, Texas, Utah

    I am licensed to sell Securities Products in the following jurisdictions:
    California, Colorado, Illinois, Kansas, Missouri, Nebraska, Nevada, Texas, Utah

    Mike Fleming CLU®, ChFC®, CFP®, Chesterfield, MO

    You Have a Vision
    for Your Future.

    Our Financial Professionals can help you turn it into reality. Discover the benefits of working with us, and find out how we can help.

    Still not sure what you need?

    Select a Goal and We'll Help You Get There

    Close