July 2022 Northeast by Featured Agent

Is it time to hire a

GARRETT PIKE also featured:

Kerry Dickson Aleksandr Pritsker

Refresh your

real estate etiquette

The pros and cons of trying to

time the market

real estate coach?

contents

professionals 4

Ramping up — Is it time to hire a real estate coach?

Refresh your real estate etiquette

Email marketing 101 — Make the most of your efforts

▹ featured cover agent

" featured agent

buyers &sellers 6

Top 10 Things every first-time home buyer should know

Weighing your options — The pros and cons of trying to time the market

Ramping up —

Is it time to hire a real estate coach? When you consider that even professional athletes earning tens of millions of dollars a year rely on a coach to help them perform their best, it is clear that everyone can benefit from a coach. Indeed, the argument can be made and supported that even those at the top of their career can benefit from the mentorship, guidance, and insight that a coach can provide. This is certainly true in real estate. But how do you know if you’re ready to ramp up your business and hire a real estate coach? Here are three signs that it may be time to hire a coach, along with reasons why they are worth the investment. You Have a Positive Attitude Towards Both Personal and Professional Growth — It has been said time and again that the only constant in real 4

estate is change. Though this is often referring to the changing cycle of real estate markets, it applies to professionals in the space as well. That is, if you’re not changing by way of growing as a real estate agent, you’re setting the stage for stagnation. On the other hand, if you welcome the opportunity to learn new ways to attract clients, better methods for negotiation, savvier means of generating referrals, and you’re willing to put forth the work to do these things, you’re ready to grow under the guidance of a coach. You Know That You Need Help in Certain Areas — Hiring a coach is only going to be useful if you are coachable (AKA teachable). In order to make the most of your experience with a real estate coach, you must be willing to look at your shortcomings, Copyright Featured Agent Magazine

When you consider that even professional athletes earning tens of millions of dollars a year rely on a coach to help them perform their best, it is clear that everyone can benefit from a coach.

and/or areas of strength. If you think there is nothing left for you to learn, hiring a real estate coach will only waste time and money.

heights, but how do you find the right real estate coach? Here are four tips to help you find the coach best suited to your needs.

You’re Prepared for the Financial Investment ‘You have to spend money to make money,’ is a timetested truism in real estate. Just like you need to spend money on marketing listings, or marketing yourself as an agent, in order to make money via commission, it’s a good idea to invest in coaching.

Ask for Referrals — Just like your buyers or sellers can be an unlimited source of potential income for you, your fellow REALTORS® can offer the same through referring you to a real estate coach who has helped them. Consider asking some of the top producers in your region who they count on for guidance and coaching.

If you know you need help, have a positive attitude about growth and learning, and are willing and able to make the financial investment into your long-term success, you’re in a great position to hire a real estate coach. After all, real estate coaches can help to: • Assist you in sharpening your tech skills • Engage in role-playing to manage and serve clients with a higher level of professionalism • Guide you through proven prospecting methods • Help you learn to set and maintain a budget • Hold you accountable to your sales, marketing, and lead generation goals • Offer alternative viewpoints on any areas of conflict with clients or colleagues • Provide you with feedback on various sales strategies • Walk you through fear of failure (or success) Real estate coaches can clearly be worth their weight in gold when it comes to taking your business to new Copyright Featured Agent Magazine

Research and Research Some More — Compare the various programs offered by coaches to determine which offerings seem to be the best fit for your needs. Read reviews, watch videos, and reach out to others who have used specific coaches and/or coaching services. Confirm the Coach’s Experience — It’s vital that your coach has practical experience, and a proven track record of success in real estate, so you can be sure you’re hiring a true professional who knows how to succeed. Schedule a Consultation — It’s important that you and your coach are compatible. Scheduling a quick consultation to assure that your personalities mesh, and that you feel comfortable both talking and listening to your coach is crucial for a successful relationship and ensuing success.

When you’re ready to finesse your skills, identify and improve upon weaknesses, and see your business reach new heights, it’s time to hire a real estate coach. By following these best practices, you’ll be well positioned to accomplish your short-term goals, while laying a solid foundation for achieving long-term professional goals you have in mind. 5

Top 10 Things every first-time home buyer should know Buying your first home is exciting, stressful and life-changing. You’re going to be faced with a lot of important decisions along the way, and you’ll often have to make them quickly, so the more information you have going into the process, the better. Here are the Top 10 things every first-time home buyer should know. Mortgage Pre-Approval Isn’t a Guarantee — Getting pre-approved for a mortgage is an important step, but just because you’re pre-approved, doesn’t mean you’ll actually get the mortgage. Financial missteps following pre-approval could derail your chances. Decide Location Versus Space — Figure out what’s most important to you. Is it the neighborhood you’ll live in, or the amount of square footage you’ll have? Once you decide that, you’ll be less likely to compromise one for the other and avoid being talked into something you don’t really want. Understand the Total Cost — You’ve saved for a down payment, you can afford the mortgage payment, so that means you’re good to go, right? Not necessarily. You have to take into account the total cost of home ownership, which includes insurance, HOA fees, property taxes, home maintenance & repairs and more. Don’t Expect Perfection — Very rarely does your dream home look like your dream home the moment you step through the door. You have to be able to envision the possibilities and be ready to transform it into your ideal space. Be sure you’re looking at homes with an open mind. The School District Matters — Even if you don’t have kids or aren’t planning to, the school district in which your home is located affects the property value. Don’t Make Rushed Decisions — While it’s true that you may have to make some quick decisions during the bidding process, don’t commit to anything you feel you’re being forced into or aren’t ready for. Understand the Time Commitment — As a renter, you come and go as you please, and if something breaks or needs to be repaired, you make a phone call and that’s that. As a homeowner, you’re responsible for maintenance and upkeep, both inside and out, which will likely take a bite out of your free time. Research the HOA — If you’re looking at a home in a community with an HOA be sure you read and understand the covenants, conditions, and restrictions (CC&Rs) and talk with your potential new neighbors to get a feel for how the HOA performs. Don’t Be Afraid to Ask Questions — You’re about to make a huge decision. It’s perfectly normal to have lots of questions for your lender, your REALTOR®, the home inspector and anyone else involved in the transaction. Most real estate pros enjoy working with and educating first-time buyers, so ask away. It Should Be Fun! — The home buying process can definitely be stressful, but it should also be fun, too. After all, you’re about to realize the American Dream of home ownership. Enjoy the ride! 6

GARRETT PIKE

GARRETT PIKE Garrett Pike’s impressive story starts in the Hamptons, where his roots are strong. His family has lived there for several generations. Garrett grew up playing baseball in the area and ended up playing college baseball on a scholarship for four years. When that was over, he knew it was time to move on to something else. He had to ask himself “Well, now what?” For him, the answer was clear: real estate. His family has been in the business a long time, so Garrett got to see the ins and outs while growing up. And he was so familiar with the area, even as a kid, he knew the community from the deli owners to the coaches in the schools. “I grew up out here,” says Garrett, “I breathe it, I live it.”

Garrett became fully licensed by the time he was 22, and is making quite a name for himself. With several years of experience under his belt, he prides himself on his open, honest, and friendly transactions. He works with candor and warmth, and his clients love him for it. “I really pride myself on being nice, honest and transparent with people,” elaborates Garrett. “When some of the veteran agents confirm that’s the right way to do it, it’s pretty nice.” He took the career advice “ride the wave” to heart, since the real estate business can fluctuate. And he believes it’s best to go with the flow — which is exactly what he does. This easy-going attitude appeals to clients, who love working with him. Now that he’s an established agent with Corcoran, Garrett finds business from the Hampton Bays to Montauk, with a concentration in Southampton. Most of his work is in primary residences and around 80 percent of his business comes from repeat clients and referrals. For him, it’s a testament to the success of past transactions. His knowledge of the area and the people he works with is clearly a driving factor in his clients’ choice to keep returning. He is able to capitalize on knowing everyone involved with his work and community. Garrett also emphasizes the importance of the golden rule: treat others how you want to be treated. Because he believes that things always come back to you, he works with kindness and integrity. “I think every transaction is in itself its own award. To each person involved, it’s a very important investment,” he says. This simple philosophy is earning client trust and contributing to a highly successful career. As Garrett is someone who’s drawn naturally to making personal connections, it’s no wonder that the aspect he likes most in his work is connecting with people. He notes that he talks to people 24/7 in a variety of places. Garrett says, “It’s nice to be able to do your work in

“I think every transaction is in itself its own award. To each person involved, it’s a very important investment.”

conversations on the beach, at the deli, or from home.” And he recognizes that he is able to take what he studied in college and apply it to real-life situations. This works as a recipe for success for Garrett’s business. His approach marries a natural interest in people, deep familiarity with his community, and solid expertise in real estate. In his free time, Garrett helps spread his love of baseball to a younger generation by teaching baseball camps and workshops to kids. He also serves on the board of the Parish Art Museum, which raises money for different programs in the community, such as workshops for kids and art events for seniors. He jokes, “I love mixing sports and art to cover all my ‘bases.’” Besides these activities, Copyright Featured Agent Magazine

“I grew up out here. I breathe it, I live it.”

he still plays baseball recreationally, along with golf. He values family time and enjoys dining out at the many restaurants that the Hamptons has to offer, with loved ones and clients. Garrett is planning to become involved with property

development to better serve his clients who have an interest in real estate investment. His experience and knowledge make him a great mentor and model for those who want to get more involved. And his infectious energy continues to draw people to real estate and position him as an agent with an extremely bright future.

GARRETT PIKE Corcoran | Southampton, New York 516.635.7837 | garrett.pike@corcoran.com 10

Refresh your

real estate etiquette

There was a time when the rules of etiquette governed everyday interactions, and breaking those rules was ground for (mild) scandal. Fortunately, social norms have relaxed over the years, and most of us operate much less formally than in times past. But even in this informal age — and in some cases, because of it — it’s important to observe a set of guidelines and best practices when it comes to real estate etiquette. That’s because, at its heart, real estate is, and always will be, a people business. And as the famous Maya Angelou quote says: “… People will forget what you said, people will forget what you did, but people will never forget how you made them feel.” With that in mind, here are some simple rules of real estate etiquette that can help ensure you always make your clients and colleagues feel good about working with you. Behave Respectfully Toward Colleagues Real estate is a unique profession in that your competition is often also someone with whom you have to get along to reach a successful outcome for your client. Cultivating a reputation as someone who is respectful to all the parties in a transaction — other agents, lenders, appraiser, stagers, inspectors and everyone else — will only serve you well. That means being on time for meetings (or calling if you’re going to be late), quickly responding to messages, being willing to resolve issues as they pop up and never speaking ill of someone behind their back. If you’ve heard someone else is difficult to work with, give them the benefit of the doubt. Go in with an open mind and you might find that the two of you hit it off and get along great. By demonstrating respect for your colleagues at every level, you’ll become someone other agents and real estate pros can’t wait to have the chance to work with again. Offer Feedback on Listings — You take your clients to a home, they decide it’s not for them and then what? Do you just move on or do you let the seller know what your clients liked and didn’t like about it? Not offering feedback is a little like going on a first date and then never calling the person again — they’ll get over it, but they’ll always wonder what went wrong. Offering polite, constructive feedback is not only the right thing to do, it could lead to a deal. Copyright Featured Agent Magazine

If your clients like the house with the exception of a few small things or one big deal breaker, you might be able to get the seller to make concessions and create a win/win outcome for everyone. Mind Your Manners on Social Media — Love it or hate it, social media is here to stay. And it can be a landmine for your business if you’re not careful. A simple rule of thumb, never (ever) write something on social media you wouldn’t say to someone directly, and never post a photo you wouldn’t want your mom to see. Even if you have separate business and personal accounts set up, clients and colleagues are bound to cross from one to the other. And while technically not social media, be careful with texting, too. Never talk badly about a person or a business via text; it’s all too easy to accidentally send it to the wrong person. If you simply must get something off your chest, call a trusted friend — ideally someone not in the business — and talk about it instead. Work Out Issues One-on-One — No matter who you work with or what size brokerage you’re in, at some point you’ll have a disagreement with a colleague. When it happens, don’t be the person who immediately escalates the situation by involving your broker or cc’ing half the office on a snarky email chain. Work things out one-on-one, preferably face-to-face (too much can get lost in translation over email). It won’t always be easy, but when you gain the reputation for being someone who takes the high road, there’s a good chance those disagreements will hardly ever happen. Leave the House Like You Find It — Whether or not the listing is occupied, it’s important to leave it in as good (or better) shape, than you find it. Turn off the lights (if it’s approaching dusk leave one light on), straighten anything that gets moved and be sure all doors and windows are closed and locked — that includes interior garage doors and any exterior gates or security doors. Additionally, if you notice anything out of place, say, a leaky faucet or a trail of ants on the kitchen floor, do your best to remedy the situation and be sure to contact the listing agent immediately to let them know what you saw. 11

Kerry DICKSON After working in a variety of industries, Kerry Dickson of Keller Williams Realty, is happy to say she’s found her true calling and passion in real estate. Over the years, many friends and colleagues encouraged her to get into sales, although it was never something she seriously considered. However, her outlook changed four years ago when she met the woman who is now her wife, as she found herself wanting more stability. “I wanted to do something not just for me, but for us,” she explained. “I wanted a way to provide, so I took a leap of faith into real estate and hit the ground running.” Just two months after earning her license, she sold her first couple of properties, proving she made the right decision. Currently, Kerry serves clients throughout the state of New Jersey, and while she’s still relatively new to the industry, she’s set up a solid foundation on which to build her business upon. Honesty, integrity, and her strong desire to take care of her clients are traits that are leading her on the path to success. While other agents might consider being new to the business to be a downfall, Kerry uses it to her advantage in finding ways to expand her reach. “I am 100% passionate about real estate and so hungry to grow. I will go anywhere my clients need me,” Kerry stated. “Right now, I’m focused on networking and making connections rather than getting commission. In fact, I recently had a deal for $90,000 that most seasoned agents probably wouldn’t have taken a second look at. But that one client led to four other deals for me. This is why I don’t like to turn anyone away.” Although she doesn’t focus on one specific segment of the market, Kerry really loves working with first-time homebuyers. Perhaps it’s because she sees a little of herself in each new buyer and enjoys the educational aspect of it. “I didn’t know what I was doing when I bought my first home, so I love that I can explain to my clients how

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the whole process works, guiding them in the right direction, and getting them into the home that’s right for them.” Kerry also enjoys giving each of her clients personal attention and making them feel as though they’re the only one she’s working with, all while making sure their entire transaction runs as smoothly as possible. With honesty and security at the forefront of how she conducts herself and her business, Kerry’s clients can be sure their personal information is protected when working with her. “I’m never going to talk to other people about my clients’ personal or financial information. That’s a big guiding principle for me,” she said. As for honesty, she added, “I always try to be as transparent as possible with my clients. This is never about the money, it’s about what is right for them. If I get a sense that a home isn’t right for someone, I’m going to be upfront about it.” Outside the office, Kerry and her wife keep busy with projects around the new home they recently purchased together. She enjoys spending quality time with her family and getting to know fellow members at the church they recently joined. Kerry also has plans to begin volunteer work in her community through the KW Cares program at Keller Williams. In her time at Keller Williams, Kerry has achieved the Bronze Level in the Circle of Excellence, which she is extremely proud of, but it’s also resulted in wanting to push herself further. She’s got big plans for the future and is confident she will achieve them. “My goal for the short term is to hire an admin, and eventually I’m going to create an all-female team of buying and selling agents,” she shared. Kerry’s enthusiastic nature and optimism really comes through when she talks about what she considers to be the most rewarding aspect of real estate. “I love working with everyone behind the scenes to make it all come together and make everyone happy,” she said. “I’m just really passionate about all of it. It makes me wonder why I didn’t start this a long time ago!”

Kerry DICKSON

Keller Williams, Atlantic Shore | Northfield, New Jersey 856.383.9573 | kdickson@kw.com 12

Email marketing 101—

Make the most of your efforts When it comes to marketing, there has never been a better time to be a real estate agent. The sheer volume of venues available in which you can showcase your listings, market yourself, team, or brand, and connect with others, is greater than at any other time in history. From blogging, to social media, to websites, to online and print publications, it’s truly a great time to be in real estate. However, there is one marketing strategy that continues to dominate when it comes to yielding the best ROI — email marketing. True, by today’s standards, compared to social media and other digital marketing platforms, email marketing is a dated marketing strategy. Yet studies continue to show that when email marketing is done properly, it is still one of the most cost-effective ways to reach your audience, and more importantly, generate sales. It’s important to note however, that a poorly planned or haphazardly executed email marketing campaign can certainly fall flat. So how can you increase the odds of your email hitting its mark? Here’s a look at five best practices to ensure your emails are received, opened, and acted upon. Start with a Succinct, Snappy or Silly Subject Line — The subject line of your email will be seen before any of the content included in your message, so it needs to be succinct, but it also needs to be attention grabbing. For some REALTORS,® the magic formula may be a short but standout description of a new listing, while others may find a subject that is a bit sassy or silly receives better feedback. If you’re handling your email marketing on your own, try mixing it up, and evaluate the results from the different styles. Be Mindful of Frequency — Emailing your audience too often will lead to email fatigue. Bombarding your database increases the likelihood that you’ll receive requests to unsubscribe. There are conflicting reports on how often you should be reaching out to your target audience, but more than once a week is typically not recommended. Many real estate agents find that once Copyright Featured Agent Magazine

or twice a month is perfectly sufficient for solidifying or maintaining top of mind awareness. Time Your Distribution Wisely — Emails that are received at 2am are not likely to be deemed important. This shows that the sender is obviously not in touch with their target audience, or else they wouldn’t dream of sending an email in the middle of the night. Likewise, sending an email first thing in the morning is generally not smart, as you run the risk of the email being buried beneath others. Email tracking services are available and can help you determine when your audience likely reads emails, but if such a service does not fit in your marketing budget, a good rule of thumb is to stick with mid-morning, mid-afternoon, and early evening. Make Sure Your Emails are Mobile Friendly If you are sending an email that contains graphics or a video, make sure that it is optimized for a mobile device. Studies have shown that not only do most people read their emails from their phone or tablet, they also delete and/or unsubscribe to emails that are not optimized to be mobile friendly. Conclude With a Call to Action — A marketing email that doesn’t prompt readers to act is an ineffective email. Every marketing email you send should have a call to action, however small it may seem. Drive people to your website, tease them with a new blog entry, entice them to click on a listing with a preview, ask them to call you, or ask for a referral, but make sure you do something. A call to action is imperative.

Many REALTORS® will find that having email marketing campaigns automated removes a great deal of stress, and reduces the likelihood that they’ll go too long without contacting their database. There are many such services available, but if you don’t know where to start, ask a successful colleague what has worked for them. Even in the inherently competitive real estate industry, a trusted colleague, manager, or business coach will be willing to share their secrets for successful email marketing so that you too can take your business to the next level. 13

Weighing your options —

The pros and cons of trying to time the market In many circles, when conversations about buying and selling homes arise, the concept of “timing the market” invariably emerges. Some people will swear by the practice, citing example after example of instances where buying low and selling high has worked for them, or for people they know. Others will say that timing the market is not only impossible, but that the best time to buy or sell is when you’re ready to buy or sell. Period. So, what is fact and what is fiction? Can the market be accurately timed, so as to mitigate spending and maximize profit? Or are those who seem to have an uncanny knack for buying when homes are at their lowest price, and selling them at the highest points, just incredibly lucky? Unfortunately, despite entire books being devoted to the practice of learning how to time the market, it’s most certainly not an exact science. But like most things in life, there are definite pros and cons to trying to time the market. Here’s a look at some of them.

The pros of trying to time the market Ensures Education — If you’re attempting to time the market, you’re going to have to do your homework. You’ll need to monitor home values, interest rates, FED rates, neighborhood appreciation/ depreciation, inventory levels, and more. Overall, this works to your benefit, as you’ll be learning something new nearly every day, which can only help you to become an even savvier buyer or seller in the future. Protects Your Pocketbook — Being mindful of what the real estate market is doing certainly increases your likelihood that you’ll get a better deal than if you completely omit market conditions from your investment strategy. Generally speaking, making an effort to time the market, although not failsafe, will make you a more informed buyer or seller, thereby increasing your likelihood of securing better pricing, terms, concessions, or conditions. Puts You in a Position of Power — Whether you’re a potential buyer in a down market, or a seller in an up market, you have a lot more bargaining power during decidedly lopsided markets. Subsequently, as a buyer or seller, you will have far more leverage in an 14

unbalanced market than during periods of relative equilibrium/neutrality in the real estate market.

The cons of trying to time the market Potential for Letting Great Properties or Profits Pass You By — Trying too hard to wait to buy until home prices hit rock bottom, or when mortgage interest rates drop to their lowest, can lead to missed opportunities to invest, or to become a homeowner. Holding out for just one more price reduction or decrease in interest rates may cause you to lose out on an incredible deal. Missed Opportunities to Make Memories Waiting too long to buy or sell, in effort to time the market can ultimately cost you valuable time. Instead of taking the profits from a home sale and purchasing a new home when conditions are favorable, you ultimately may miss out on awesome opportunities to make new memories in your home. Consider that buyers who attempt to time the market perfectly may miss the chance to celebrate special occasions and milestones in a new home. Market Stability Is Never Guaranteed — It’s long been said that the only constant in life, is change. That’s undeniably true when it comes to the real estate market. There is no guarantee that interest rates, or home prices won’t change on a dime. The inherent unpredictably of the real estate market means that even the most well-laid plans for buying or selling are not immune from potential and/or substantial market swings.

Although there are benefits and potential pitfalls to consider when deciding whether to try your hand at timing the market, one irrefutable fact remains. An investment in a home is a significant undertaking. For the overwhelming majority of people, it will be one of the biggest financial decisions of our lives. As such, deciding to buy or sell is not something most people will want to go into alone, or haphazardly. With the help of an educated REALTOR,® a skilled mortgage professional, and guidance from other trusted advisors such as your CPA or financial advisor, conducting due diligence before making any decision just makes sense. Copyright Featured Agent Magazine

ALEKSANDR PRITSKER Aleksandr Pritsker has had an interesting path into the real estate industry. Born in Ukraine, at two years old, he moved to Brooklyn where he grew up. He then moved to New Jersey as a teenager where he discovered a passion for tennis. After playing professionally for a few years post high school, he realized his passion for real estate was even stronger than his love of the sport. After landing a position in the real estate business in his early twenties, he found it to be the perfect fit, and acquired his REALTOR® license when he was just 24 years old. While an estimated 95% of his business is with residential properties, Aleksandr also has experience with commercial transactions as well. He feels confident working with an expansive range of properties, from comfortable condos all the way to luxury mansions.

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and experienced, and they are always up front and honest with their clients. Aleksandr explains, “I work hard to meet every need my clients have. It’s important to me that I offer advice, help with inspections, and even match my clients with the best possible mortgage lenders and attorneys.” It’s safe to say his team offers services that clients have come to rely on. The Blackstar team recognizes how important community is, and prioritizes charity and giving back. They donate to children’s hospitals during the holiday season, and have set up food drives for healthcare workers during the pandemic. They function under a strong work ethic, and believe the respect and kindness they offer clients and the community finds its way back to them.

Specializing in serving the Monmouth and Ocean county areas of New Jersey, in 2021 he was the number one agent across all brokerages in his area in numbers of transactions, and was number three in volume. His team finished fourth in the entire state of New Jersey.

Aleksandr is extremely family oriented, and loves traveling and spending time with his wife and daughter. With a family of his own, Aleksandr realizes how important it is for a family to be happy and comfortable in their home. He says, “Seeing a family happy in their new home is always a blessing. Every time a deal is closed, I’m honored that I was able to be a part of something so special.” Aleksandr finds this career extremely rewarding, and shows his clients how important their happiness with every transaction is to him.

Aleksandr’s work speaks for itself. He’s found that his business needs little to no advertising, and an estimated 70% of his business is from referrals and word of mouth. Aleksandr built Team Blackstar, from the ground up. He has members in New Jersey, and has recently expanded his business to Florida as well. Across both states, his team is upwards of a combined $250 million in business this year alone.

There are currently 15 Blackstar agents in New Jersey, and three working in the East coast of Florida. Aleksandr hopes to expand his business further in Florida, and continue to make customers happy in both states. He says, “My goal is to expand the Blackstar name into something bigger and better than ever. We’ve found plenty of success in New Jersey, and I’m working hard to spread that across Florida as well.”

Priding himself on providing quality customer service, he has quick responses to calls 24/7, and says, “I’m always there for my clients when they need me, and I train my team members to do the same.” His team is knowledgeable

The Blackstar team has developed a strong name for themselves, and continue to remain at the top of the charts. With his quality service and proven track record, there isn’t a more obvious choice than Aleksandr Pritsker.

ALEKSANDR PRITSKER EXP REALTY | MONTCLAIR, NEW JERSEY 732.688.3819 | ALEXPRITSKER@ICLOUD.COM Copyright Featured Agent Magazine

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