Board of Directors

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.

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.

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.

Education
University of Massachusetts–Dartmouth, BS Management Information Systems

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.

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

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.

Education
Johnson & Wales University, BS in Management