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BANKING & FINANCE An Anton Media Group Special March 14 - 20, 2018
• Financial Know-How
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IRA info
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BANKING & FINANCE • MARCH 14 - 20, 2018
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BANKING & FINANCE • MARCH 14 - 20, 2018
To IRA Or Not To IRA? BY JENNIFER FAUCI
twice a month, you could put $200 a paycheck, which will get you to about $5,000 for the year. Then there are 401ks, which are offered through employers and very similar to IRAs but their annual limits are higher.
jfauci@antonmediagroup.com
Considering opening up an individual retirement account (IRA)? First, you’ll need to know the basics. Then, you can choose which company is a match for you. Andrew Guidice, an investment advisor in New York City answers essential questions about how to begin the process.
Q A
: Should I still continue to save money elsewhere?
: A good rule of thumb is to keep at least three to six months of your expenses in your checking/savings account. This “liquid” money will ensure that if you lose your job, you’d be covered for a few months until you get another job.
Q A
: What is the difference between a traditional IRA and Roth IRA?
: Traditional IRA contributions (what you put in) are tax deductible and commonly known as “write-offs” on both state and federal tax returns for the year you make the contribution. Withdrawals in retirement are taxed as ordinary income tax rates. The thing to note is that the IRS always gets paid, either today or 40 years from now. Advocates of traditional IRAs say the $30 will grow quicker than the $19.50, which is true. They also say that once you’re 70 years old, your tax bracket won’t be 35 percent and more like 25 percent since elderly people aren’t making as much money as 30 year olds.
Roth IRAs provide no tax break for contributions, but earnings and withdrawals are generally tax-free. Advocates of Roth IRAs say taxes are likely going to be higher in 40 years and they rather pay the tax today.
Q A
: Is there a good or bad time to start an IRA?
: The sooner the better so the investments can grow. You have
up until tax day (usually April 15) the following year to contribute for the prior year.
Q
: How much of my paycheck do I have to set aside to put into my IRA? Does it vary from policy to policy?
A
: You can contribute a maximum of $5,500 a year to a Roth or traditional IRA. If you get paid
Q
: Can I change the amount of money I choose to put into the IRA at any given time?
A
: Yes it’s flexible, keeping in mind that you’re limited to $5,500 for an IRA, and $18,000 for a 401k.
Q A
: What companies are best to go with?
: It’s best to work with a bank or online bank you already have some sort of relationship with.
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BANKING & FINANCE • MARCH 14 - 20, 2018
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NY ABLE Helps Disabled Save For The Future New Yorkers with disabilities can now save through a new plan called The New York Achieving a Better Life Experience (NY ABLE) program. The NY ABLE program helps individuals with disabilities maintain their health, independence and quality of life. The program was modeled after New York’s 529 College Savings Program and adopted under the federal Stephen Beck Jr. Achieving a Better Life Act of 2014. NY ABLE allows New Yorkers to save and invest funds without putting their disability-related benefits at risk and should provide some relief for families worried about the long-term financial situation and future care of their loved ones with disabilities. Also known as 529A accounts, these tax-free savings programs give people the opportunity to set aside money for short- and long-term needs. New York is one of several states to offer this type of program. The NY ABLE legislation was signed into law in 2015. The legislation authorized the Office of the State Comptroller to administer the program. Until now, families could create a special needs trust in order to secure a loved one’s finances, but trusts can be costly to establish and maintain. NY ABLE allows New Yorkers with disabilities to save money in their own names without risking their Supplemental Security Income (SSI) and Medicaid and certain other means-based benefits. ABLE programs are intended to supplement other governmental and private benefits, including SSI and Medicaid. An account can be opened with as little as $25. Families and others may contribute to an account, but contributions are not tax-deductible. The annual contribution is capped at $14,000 and the maximum account balance is $100,000. In 2018, the annual contribution cap will be increased to $15,000. NY ABLE provides a variety of investment options, from conservative to aggressive. Earnings and distributions from NY ABLE accounts are tax free provided the funds are used for qualified disability expenses. These include costs for education, health and wellness, transportation and housing, among
State Comptroller Thomas P. DiNapoli other expenses. Users can access funds in several ways, including an optional checking account and debit card. Earnings on non-qualified withdrawals may be subject to federal and state and local income tax and a ten percent federal tax penalty. In order to qualify, a person must have a disability that was present before he or she turned 26 years of age. Participants must be eligible for SSI or Social Security Disability Insurance (SSDI) or be blind, have a significant disability documented by a medical doctor or have a disability that is included within the Social Security Administration’s requirements. New York State residency is also required and only one account per individual is allowed. To start an account, visit www. mynyable.orgor call 1-855-5NY-ABLE, 855-569-2253. A copy of the Disclosure Booklet and Participation Agreement is available online at https://cdn. unite529.com/jcdn/files/NYB/pdfs/ programdescription.pdf And remember, one should always consult their legal/tax and other advisor with regard to specific legal, investment or tax situations. —Submitted by State Comptroller Thomas P. DiNapoli
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BANKING & FINANCE • MARCH 14 - 20, 2018 ADVERTORIAL
Five Ways the New Tax Law May Impact You
1. Tax rates and brackets have changed Federal income tax rates progressively increase as your income rises. These are known as tax brackets. The new tax code reduces most of the ordinary tax rates and adjusts the tax brackets, applicable from 2018 to 2025. However, the number of brackets for individual tax filers and married couples filing jointly remains at seven. For instance, in 2018 the first $19,050 of taxable income for a married couple filing a joint return is subject to a 10 percent federal income tax. For income the couple earns between $19,050 and $77,400, the ordinary tax rate for 2018 is 12 percent, lower than the 15 percent seen under the previous law. The highest ordinary income tax rate, which was previously 39.6 percent, was reduced to 37 percent and starts at $600,000 of taxable income for couples who file jointly. Visit IRS.gov to see the full list of tax rates and brackets. 2. Standard deduction is nearly doubled When you prepare your tax return, you have a choice of either a standard deduction, or itemizing deductions such as mortgage interest, charitable gifts, or state, local and property taxes. Under the new law, more people will use the standard de-
duction. (Itemized deductions are changing as well – see item number three.) The standard deduction stood at $6,350 for a single taxpayer and $12,700 for a married couple filing a joint return in 2017. Under the new law, the standard deduction has increased to $12,000 for a single taxpayer and $24,000 for a married couple filing a joint return. These changes are effective from 2018 through 2025, unless Congress acts to extend them. 3. Changes in itemized deductions For those who itemize deductions in 2018 (and through 2025), there are some significant changes, even considering the increased standard deduction. Among the most notable: • The deduction for state and local taxes, including property taxes, is generally limited to a maximum of $10,000 per year. Under previous law, no maximum limit applied. • The ability to deduct interest on home mortgage remains, but the $1,000,000 debt limit under previous law is generally reduced to a $750,000 debt limit for home mortgages created after December 15, 2017. Also, deductions on interest paid on home equity loans (whether new or existing loans) is no longer allowed. This may make home equity loans less attractive as a borrowing option. • Miscellaneous itemized deductions, such as investment expenses and tax preparation fees, are no longer allowed.
4. Personal exemptions are suspended and child tax credit is increased Under long-standing tax law prior to the new legislation, individuals could also claim personal exemptions for themselves and their dependents when filing their tax return. That exempted a portion of income from taxes. In 2017, the personal exemption was $4,050 per person. Under the new law, effective in 2018 through 2025, the personal exemptions no longer apply. If you have children, you may qualify to claim a $2,000 tax credit per qualifying child beginning in 2018 (and through 2025), double what was allowed in prior law. That is a dollar-for-dollar reduction of the taxes owed. It’s expected that more people will be able to take the credits because income limitations have been raised. Another credit of $500 is now allowed for dependents you may claim who are not qualifying children. 5. Expanded use of 529 plans To this point, 529 plans have provided a tax-advantaged way to save money for qualified higher education expenses, such as tuition, room and board, and fees. The new law allows you to withdraw up to $10,000 tax-free per year per child from a 529 plan to help cover the K-12 tuition at a public, private or religious school.
These are only some of the changes that may affect individual taxpayers. Consult with your tax advisor to understand how the new legislation may affect your circumstances. Keep in mind that many of the tax provisions have an expiration date, unless Congress acts to extend them. Philip P. Andriola, JD, is a Private Wealth Advisor and Chief Executive Officer with Andriola, Goldberg & Associates a private wealth advisory practice of Ameriprise Financial Services, Inc. He offers feebased financial planning and asset management strategies and has been in practice for 19 years. To contact him, www.philippandriola.com, 401 Franklin Avenue, Suite 101, Garden City, NY 11530, (516) 345-2600. Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation. Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser.
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The most sweeping tax reform legislation in decades was enacted into law at the end of 2017. If you pay federal income taxes, you are likely to see an impact this year. As you plan your 2018 tax strategy, here are five key changes to know about the tax reform law:
Ameriprise Financial Services, Inc. Member FINRA and SIPC. © 2018 Ameriprise Financial, Inc. All rights reserved. Ameriprise Financial Services, Inc. Member FINRA and SIPC. © 2016 Ameriprise Financial, Inc. All rights reserved. (9/16)
You’ve prepared for a rewarding retirement. I can help you make the most of it. Philip P Andriola, JD Private Wealth Advisor, Chief Executive Officer
Your vision of retirement is unique, and your financial plan should be too. As an Ameriprise Private Wealth Advisor, I have the qualifications and knowledge to help you grow and preserve your wealth. Whether it’s investment management, tax strategies or legacy planning, I’ll work with you to find the right financial solutions for your individual needs. And I’m backed by the strength and stability of one of America’s leading retirement planning companies.
Andriola, Goldberg & Associates A private wealth advisory practice of Ameriprise Financial Services, Inc.
Ameriprise Chairman’s Advisory Council 2012-2016 FIVE STAR Wealth Manager 2014-2015
516.345.2600 401 Franklin Ave, Ste 101 Garden City, NY 11530 edith.a.stahl@ampf.com philippandriola.com The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively employed as a credentialed professional in the financial services industry for a minimum of five years; 3. Favorable regulatory and complaint history review (please note unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process*); 4. Fulfilled their firm review based on internal firm standards; 5. Accepting new clients; 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or awarded. Once awarded, wealth managers may opt to purchase additional profile ad space or related award promotional products. The award methodology does not evaluate the quality of services provided. The award is not indicative of the award winner’s future performance. *To qualify as having a favorable regulatory and complaint history for this award, the person cannot have (1) been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine, (2) had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professional’s consumer complaint process, (3) individually contributed to a financial settlement of a customer complaint filed with a regulatory authority, (4) filed for bankruptcy, or (5) been convicted of a felony. Ameriprise Financial cannot guarantee future financial results.
Ameriprise Financial Services, Inc. Member FINRA and SIPC. © 2018 Ameriprise Financial, Inc. All rights reserved. (03/18)
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Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser.
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BANKING & FINANCE • MARCH 14 - 20, 2018
10 Tips To Simplify Tax Season Use an array of New York State services to help you this season
The New York State Department of Taxation and Finance recently reminded taxpayers to take advantage of the full suite of services it offers to ease their filing tasks, from online resources to in-person guidance. So what is available? “These resources—designed to accommodate a range of taxpayer needs—drive efficiency, saving the public time and money,” said Acting Commissioner Nonie Manion. “Our aim is to ease the
filing process and en-sure error-free returns, allowing us to quickly issue any re-funds due.” Below is an overview of some online services and other resources, but for more information, visit the NYS Tax Department’s website at www.tax. ny.gov.
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Refund updates
Access the check your refund status page or sign up for email alerts. You’ll receive the same information available from our call center—without the wait.
In-person assistance
Free tax assistance sites are available for those with adjusted gross household income of $66,000 or less in 2017. The sites provide free resources so those eligible can electronically prepare and file both their state and federal tax returns. Tax employees are on hand to guide taxpayers through the tax software.
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Free e-filing
We provide access to free tax preparation and e-filing software at our website: www.tax.ny.gov (search: freefile2017) for those with adjusted gross household income of $66,000 or less in 2017.
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View last year’s refund amount
If you received a NYS income tax refund last year, you may want to view your 1099-G information. You can view and print your Form 1099-G using our 1099-G web application. For more, visit our Form 1099-G webpage.
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Online payment service
If you don’t pay by making an electronic funds withdrawal when e-filing, you can use our Online Services (OLS) to make a payment directly from your bank account (free) or by credit card (2.25 percent convenience fee). This will save you
the trouble of printing a voucher and mailing a check or money order.
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Tax preparer guidance
We provide ways to verify your tax preparer and review the Consumer Bill of Rights Regarding Tax Preparers.
Quick Pay
If you receive a bill after you file your return, you can pay directly from a bank account using our Quick Pay tool without having an Online Services account.
Power of Attorney web application
Those who wish to appoint an individual or individuals to represent them before the Tax Department should file Form POA-1, Power of Attorney, by using our web application accessible from an Online Services account. For more information, visit our Form POA-1, Power of Attorney page.
Three Ways To Avoid Toxic Financial Advice And Rash Decisions BY JASON LABRUM specialsections@antonmediagroup.com
Investors hear so much conflicting information and advice in the media these days that it’s perhaps easier than ever to become confused and make decisions based on emotion rather than on sound financial advice with a well-structured financial plan. With the growth of the Internet, social media and TV, investors are constantly tempted to lose focus on what they can control and instead focus on things out of their control. High-strung investors fret over every dip in the stock market. They wonder who will win the next election and what that will mean to their investments. They hear about a crisis overseas or one here at home and ponder whether to abandon their carefully planned investment strategy based on the fear and uncertainty they feel as a result of the latest news reports. You shouldn’t change what you’re doing just because of current events. I often tell my clients, ‘I forbid you to freak out and stress out about the market. Turn off the news, turn off
the TV and go enjoy the aspects of your life you work so hard for; family, friends and your passions.’ To avoid getting caught up in the toxic atmosphere and advice created by a 24-hour news cycle, the savvy investor needs to:
Stay disciplined
The investment returns that the market delivers can be phenomenal if you stay focused. The problem is when investors react to media hype and make behavioral blunders based on emotional decisions rather than fact-based reality. One key factor in investment success is learning how to maintain discipline and stick to the goal oriented financial and investment plan that is created for them.
Know your volatility tolerance
It’s important to understand your tolerance for volatility when you’re building your portfolio. Volatility is not necessarily risk; it’s an expected part of investing. However, your behavior can turn volatility into risk
if you make decisions based on fear or panic. If your goal is simply to save for retirement, and you would rather avoid the stress of watching market swings, then a strategy with a 5 percent volatility portfolio may be perfect. If you have more ambitious goals (such as leaving money to heirs or giving to charity), and volatility doesn’t give you the jitters, then a higher percentage of volatility may be appropriate. The key is to find a balance that allows you to achieve your financial goals, but at a level of volatility you’re comfortable with.
Listen to your advisor
People are prone to make emotional decisions with their investments. A good advisor, preferably a fiduciary advisor, should be able to help you avoid acting rashly and maintain the discipline you need to be a successful investor. The fiduciary advisor should be able to look at the situation without the impassioned bias you bring to it, and help you make sure you don’t panic and that you stick to your financial plan.
Jason Labrum
(Photo courtesy of Labrum Wealth Management)
Perhaps the most important thing is to educate yourself about finances and investing. You don’t have to know everything and you don’t have to do this all on your own, but you do have to know enough about the financial system to not get taken advantage of. That’s the only way to make smart choices that will make a real difference in your life. Jason Labrum is founder and president of Labrum Wealth Management and author of the upcoming book Financial Detox: How to Steer Clear of Toxic Advice, Achieve Financial Independence and Manage Your Wealth for Maximum Impact. He is a fiduciary and holds a Series 65 securities license and a life and health insurance license in California.
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BANKING & FINANCE • MARCH 14 - 20, 2018
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Online option to respond to a notice
When we need more information to process a return, the easiest and fastest way for a taxpayer to provide it is by using the “Respond to Department Notice” online service. You can provide explanations, attach documentation, and receive instant confirmation that your response was received. If you receive a bill or a notice after you file your return, you can also use this service to disagree and submit additional information or documentation.
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processing with automatic calculations and labor-saving barcodes. Enhanced Resident and Nonresident and part-year resident income tax return and popular credit forms are available on The Tax Department website. If you can’t file by April 17, apply for an extension of time to file. An extension doesn’t provide more time to pay
Four Ways Businesses Can Be More Customer-Centric BY SALLIE J. SHERMAN specialsections@antonmediagroup.com
There’s a lot of talk these days about companies becoming “customer-centric.” It means putting customers at the center of the business. The idea is to build positive consumer experience both before and after the sale, with customer retention and repeat business as the goal. A company putting in the consistent, genuine effort to keep a customer happy and coming back is often rewarded and customer-centric companies understand that being customer-centric is a detailed performance game. Put the customer front and center Start by thoroughly understanding the customers’ needs and expectations. Then communicate those throughout the organization before building business strategies and plans. Build customer relationships Ensure customers feel appreciated after the initial interaction. Rather than bombard them with endless advertisements and marketing questionnaires, build a meaningful, ongoing
relationship with them. Strive to communicate with them the way they want so you can provide information that meets customers’ expectations. Think outside the box Don’t be afraid to be different. There are always creative ways to take good treatment of customers to a higher level. Make things easier and more appealing for them through catalogs, online ordering, or customizing your products to their needs. Don’t make employees second The customers come first, but without good, dependable employees who believe in the work culture, the product and their customers, there is no link to bring in the business. Recognize and reward the efforts of your employees and empower them to grow your company. Sallie J. Sherman, Ph.D., co-author of Five Keys to Powerful Business Relationships and The Seven Keys to Managing Strategic Accounts, is founder and CEO of S4 Consulting (www.S4consulting.com).
Published by Anton Media Group KARL V. ANTON, JR. Publisher, 1984–2000 Angela Susan Anton Editor and Publisher Frank A. Virga President Shari Egnasko Director of Sales Administration Steve Mosco Editor In Chief Betsy Abraham Senior Managing Editor Jennifer Fauci Managing Editor, Special Sections Karen Mengel Director of Production Alex Nuñez Art Director Iris Picone Director of Operations Joy Didonato Director of Circulation Linda Baccoli Director of Business Administration
Fill-in forms
If you do decide to put pen to paper, despite the many benefits of e-filing, the Tax Department’s enhanced fill-in forms will help reduce filing errors and speed
taxes owed. You must still pay the properly estimated tax you owe by the original due date of the return.
ADVERTISING SALES Julia Abreu, Ally Deane, Mari Gaudet, Wendy Kates, Sal Massa, Maria Pruyn, Jeryl Sletteland, Christopher Stellato
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When you retire, your money should keep working. Someday you’ll stop working, and at that point, you’ll have to depend on your retirement income. To work toward building that income, you’ll need a strategy. With more than 21 years of experience, I can help you create a strategy for goals like retirement, estate planning and leaving a legacy. Let’s put your money to work. Call me today to set up an appointment.
Frann Ziskin, CFP ® Vice President, Financial Advisor 1300 Franklin Avenue Garden City, NY 11530 516-683-3242 www.morganstanleyfa.com/ frann.ziskin frann.ziskin@ morganstanley.com
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP,® CERTIFIED FINANCIAL PLANNER TM and federally registered CFP (with flame design) in the U.S. Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. © 2018 Morgan Stanley Smith Barney LLC. Member SIPC. MAR013 CRC 2052123 03/18 CS 9189161 03/18
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JOB INFORMATION 9189161 / 604279649
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SPECIFICATIONS 4.25" × 5.5"
NOTES
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POST-PROD.:
CREATIVE STUDIO 1585 Broadway, 23rd Floor New York, NY 10036
DESCRIPTION: PAPER:
TBD
TMPL:
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PICKUP:
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BANKING & FINANCE • MARCH 14 - 20, 2018
MUNSEY PARK MASTERPIECE
O P E N H O U S E : S U N DAY, M A R C H 18 T H F R O M 1- 3 P M | 6 0 W H I S T L E R R OA D, M A N H A S S E T • Approximately 4,600 square feet
• Gourmet eat-in-kitchen
• 1/3rd acre of flat property in Village of Munsey Park
• 5 bedrooms upstairs, 4 full baths and 2 half-baths
• Bluestone walkways and patio • Double-height entry foyer
• Spa-like master bath with radiant heating
• Completely renovated and expanded by a renowned local architect
• Abundant closet space throughout • Hardwood floors
• Large principal rooms for entertaining with open layout
• Finished lower level with full bath • FIDO fence
• Built-in Wolf barbecue with natural gas • Oversized 2-car garage • Full house generator • Sophisticated audio, lighting and security systems Offered at $2,798,000 Web# 3006691
JODI COHEN Lic. R. E. Salesperson O : 516.627.2800 M: 917.902.7599 jodi.cohen@elliman.com
elliman.com/longisland
110 WALT WHITMAN ROAD, HUNTINGTON STATION, NY 11746. 631.549.7401 | © 2018 DOUGLAS ELLIMAN REAL ESTATE. ALL MATERIAL PRESENTED HEREIN IS INTENDED FOR INFORMATION PURPOSES ONLY. WHILE THIS INFORMATION IS BELIEVED TO BE CORRECT, IT IS REPRESENTED SUBJECT TO ERRORS, OMISSIONS, CHANGES OR WITHDRAWAL WITHOUT NOTICE. ALL PROPERTY INFORMATION, INCLUDING, BUT NOT LIMITED TO SQUARE FOOTAGE, ROOM COUNT, NUMBER OF BEDROOMS AND THE SCHOOL DISTRICT IN PROPERTY LISTINGS ARE DEEMED RELIABLE, BUT SHOULD BE VERIFIED BY YOUR OWN ATTORNEY, ARCHITECT OR ZONING EXPERT. PHOTOS SHOWN MAY HAVE BEEN MANIPULATED. EQUAL HOUSING OPPORTUNITY.
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