Author: Mark S. Cardoza

The SECURE Act of 2019 Promotes Lifetime Income Stream Planning

The Setting Every Community Up Retirement Enhancement (SECURE) Act of 2019 was passed in December 2019. In an era of a divided government, 71 of 100 senators and 297 of 435 representatives in the House voted in favor of the act. The purpose for the act recognizes that we are living longer and many people …more



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Fiduciaries and Due Diligence

Many people don’t have a comprehensive understanding of the role and responsibility of a fiduciary. Hopefully, this post will bring clarity to you, the beneficiaries of the fiduciary, while shining a spotlight on those that hold themselves out as a fiduciary but are not. Representing the insurance component, I work with many different professionals and …more



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The Cause And Effect Of Qualified Retirement Plans

Let’s go back to the beginning of 2015. I’m watching financial consultants on television advising viewers to fund their 401(k) to the maximum. The purpose is to defer the tax on that income and cause the funds to be deemed “tax-qualified.” The advisors are so convincing that it must be the best thing to do, …more



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