Catherine Mendoza is the Founder and Fiduciary Advisor of CM Financial Strategies—an independent financial services firm dedicated to designing income strategies that last a lifetime. At CM Financial Strategies, we don’t guess—we design. We create customized, tax-efficient retirement income strategies that deliver guaranteed, predictable paychecks for life. It’s not about picking or chasing products; it’s about engineering the right plan—an income architecture that provides peace of mind and financial certainty in every phase of retirement.

As an Investment Adviser Representative of Virtue Capital Management, a Tennessee-based Registered Investment Advisor, Cathy partners with a client-centric, fiduciary team specializing in holistic wealth and retirement income planning. Together, they integrate proven strategies in tax-efficient growth, guaranteed lifetime income, and long-term wealth preservation tailored to each client’s goals.

With over 25 years of experience in corporate finance, Cathy previously served as Controller and Director of Accounting for the E-Commerce Division of a Fortune 50 publicly traded company. Her background spans managing corporate assets, tax accounting and compliance, qualified retirement planning, and turnkey 401(k) administration. She has also designed and implemented employee benefit programs for organizations ranging from small businesses to large enterprises.

A respected speaker for community and non-profit organizations, Cathy brings clarity, structure, and compassion to the complex world of retirement planning—helping clients retire confidently, live abundantly, and stay financially secure for life.