Board of Directors

Carol A. Brown

Carol A. Brown, EdD

Carol has held positions as an educator and administrator in the academic K-12 world for over 30 years. Carol’s passion is to help teens and adults understand the importance of financial education. ThinkSmartz topics such as budgeting, credit reports, and debt are some of the topics Carol covers.

Nova Southern University, Miami, EdD
Lesley University, MEd
Bridgewater State University, CAGS
Northeastern University, BS

16 years as an elementary teacher
15 years as an administrator in education

Timothy A. Gagnon

Timothy A. Gagnon, CPA, Esq.

Tim is an associate professor of accounting at Northeastern University, an attorney, and a CPA. He is well recognized in the community as a tax consultant (FOX 25) and is highly regarded for his areas of expertise. Tax planning, wealth transfer, and gifting are some of the topics that Tim addresses.

Boston College Law School, JD
Sacred Heart University, MBA
Bentley College, MS
University of Maine, BS

American Bar Association
Massachusetts Bar Association
Rhode Island Bar Association

Michael Cardoza

Michael P. Cardoza, CTS, DMS-E-4K

Michael is an entrepreneur within the information technology industry and a former senior network engineer for Harvard University. Mike holds group (small and large) discussions regarding cyber security, identity theft, and related technology topics.

University of Massachusetts–Dartmouth, BS Management Information Systems

Avixa CTS
Crestron DMC-E-4K

Former Senior Network Engineer, Harvard University
Co-Founder REnVisioning Technology, LLC

Larry Zaharoff

Lawrence S. Zaharoff, Esq.

Larry’s areas of expertise are estate planning, Medicaid planning, and business succession planning. Topics such as wills, revocable and irrevocable trusts, powers of attorneys, living wills, Medicaid, and other important topics are covered in his presentation.

Suffolk University, JD
University of Massachusetts, Amherst,
BA in business administration

American Bar Association
Massachusetts and Florida Bar Association
Nat. Academy of Elder Law Attorneys (NAELA)

Boston magazine, Wealth Managers, Highest in Overall Satisfaction, February 2011

Mark Cardoza

Mark S. Cardoza CLTC

ark’s passion to teach others the importance of financial awareness has driven him to create a network of educators and professionals that steer individuals and couples into healthy financial decisions. He believes that knowledge can empower people of all ages to help make sound and reasonable decisions. Mark presents topics such as long-term care planning, income planning, and other subjects about protecting asset through insurance programs.

Johnson & Wales University, BS in Management

Long-Term Care
Trusts and Estate Planning

Founder of the Retirement Education Resource Center of North America, Inc.
Author of Positioning 4 Retirement and ThinkSmartz