About Us

RERCNA reaches out to people of all ages by offering guidance in all areas of retirement planning. Our team of professionals have been carefully selected to cover all areas of the retirement planning — including insurance, estate planning law, CPAs, and investments. We offer academic programs, public and private strategic programs, and industry enrichment programs.

Mark CardozaMark established M. Cardoza Insurance, Inc. in 2011. He holds the designation of CLTC (Certified Long Term Care) specialist and Trusts and Estate Planning, and is also the founder of the Retirement Education Resource Center of North America, Inc and the author of Positioning 4 Retirement.His goal is to help them understand the intricate plans and programs for retirement and to illustrate the importance of positioning these plans to optimize control. In his experience, many people are unaware or do not understand their retirement plan, its function, the components, and how each component responds and reacts with the other parts. Positioning 4 Retirement's objective is to help our society better understand the programs they are working with while directing them to build a healthy retirement portfolio with options and choices to fit their goals. 

3 Allied Drive Suite 303
Dedham Place
Dedham, MA 02026

Phone: 508-353-2524   
Email: mark@mcardoza.com
Website: mcardoza.com

Lawrence ZaharoffZaharoff & Zaharoff was established in 1949, servicing a broad spectrum of clients from young couples to high net worth individuals and business executives to preserve and control assets, protect family harmony, and ultimately the reduction of estate taxes.

Bar Admissions:

  • Massachusetts, 1978
  • Florida, 1978


  • Suffolk University, J.D., 1978
  • University of Massachusetts, Amherst, B.A. in Business Administration, 1975


  • American Bar Association
  • Massachusetts Bar Association
  • Florida Bar Association
  • National Academy of Elder Law Attorneys (NAELA)


  •  Boston Magazine, Wealth Managers, Scored Highest in Overall Satisfaction, February, 2011

990 Washington Street, Suite 103
Dedham Executive Center
Dedham, MA 02026

Phone: 781-329-2000   Email: larry@zaharofflaw.com
Website: zaharofflaw.com/

Timothy GagnonTim 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