Catherine “Cathy” Mendoza is a seasoned Investment Advisor Representative who has dedicated her career to helping individuals plan confidently and intentionally for retirement. As the founder of CM Financial Strategies, Cathy takes a holistic approach to retirement and wealth planning—integrating tax strategies, investment planning, and income distribution into one clear, cohesive strategy. With more than two decades of experience in finance and advisory work, Cathy is known for translating complex topics—like RMDs, Social Security timing, and retirement tax efficiency—into straightforward, actionable guidance. Her educational and consultative style empowers clients to make informed decisions that align with their goals, values, and lifestyle vision. Cathy’s “RMDs & Taxes in Retirement” webinar reflects her passion for helping pre-retirees and retirees understand how smart, proactive tax planning can make a significant difference in long-term retirement outcomes. Her mission is to help individuals move from uncertainty to clarity—creating a retirement plan that works in all seasons of life.