Creating beautiful, healthy smiles is our TOP PRIORITY We have friendly, caring staff that are here to help you with all of your dental needs. Working together as a team, Dr. Samuel P. Mufson, Dr. Christopher G. Lota, Dr. Joseph A. Lota, Jr., Dr. Megan Gauthier and Dr. Vincent Capazzi are dedicated to providing their patients with the highest standard of dental care available.
Over 125 5-Star Reviews!
“Great first experience! From Mary at the
helpful, and terrific.
recommending
to
“The staff is friendly and professional. As a patient I am well informed and well cared for. I have been a patient here for several years and will continue to use their services. The service was prompt, professional, and friendly.” - Derek M
“I have been seeing Dr. Mufson every month for my Invisalign treatments the past 7 months and it has been a wonderful journey thus far. Dr. Mufson has made sure that my smile is as perfect as it can be but also within reasonable terms that will be most beneficial for me. Dr. Mufson has been my dentist for the past 6 years and even though I now live 1.5 hours away, the knowledge, bedside manner and care that he gives to his patients cannot be traded. Thank you Dr. Mufson!” - Egi K
“As someone who is genuinely afraid of dentist, I cannot recommend this practice enough. The best dentist I have ever been to. Dr.Mufson is genuine, kind, caring, professional, and does excellent work. He listened to my concerns and understood my fear, and for that I am forever thankful. If you’re in need of a new dentist, look no further.” - Aneta D
Accepting New Patients
Dr.
Capazzi, Dr. Megan Gauthier, Dr. Samuel Mufson, Dr. Christopher Lota, Dr. Joseph Lota
front desk,
Sara the hygienist, to Dr. Joe Lota… all were professional,
I’ll be
Chestnut Ridge Dental to family and friends!” - Travis D
Invest In Yourself and Our Community
Spring is a season of renewal, and what better time to talk about investment—not just in the traditional sense of finances, but in our homes, health, businesses, and community. In this issue, we highlight the many ways local professionals and organizations are making an impact and helping us invest in brighter futures.
First, we spotlight Chestnut Ridge Dental, where investing in your smile means investing in confidence and long-term health. Their expertise and care ensure that every patient leaves with a reason to smile.
For those looking to secure their financial future, The Manna Helmy Law Group and State Farm Agency provide essential guidance. Whether it's estate planning, legal protection, or insurance, they help families and businesses protect what matters most.
But investment isn't just about personal gain—it’s also about giving back. That’s why we feature local food pantries that work tirelessly to support those in need. Their dedication is a powerful reminder that the best investments are often the ones we make in others.
Travel is another way we invest in ourselves, creating experiences and memories that last a lifetime. Old Tappan Travel makes it easier than ever to plan the perfect getaway, whether it’s a weekend escape or a dream vacation.
At the heart of every strong community are the people who pour their time, energy, and resources into making it a better place. This issue celebrates those investments—big and small—that shape our lives and strengthen our neighborhoods.
Here’s to making smart investments in ourselves, our businesses, and the incredible Pascack Valley community we call home!
ANTHONY RIZZO, PUBLISHER
April 2025
PUBLISHER
Anthony Rizzo | anthony.rizzo@citylifestyle.com
PUBLICATION DIRECTOR
Carly Mac Manus | carly.macmanus@citylifestyle.com
SOCIAL MEDIA COORDINATOR
Lucille Rizzo | lucille.rizzo@citylifestyle.com
STAFF PHOTOGRAPHER
Clara Wang, Charissa H. Yong, Jeremy Lebled
PUBLISHER ASSISTANT
Harvey Miguel INTERN
Samantha Tauber
CONTRIBUTING WRITERS
Chloe Anderson, Nicole Zamlout, Jennifer K. Murray, Immaculate Heart Academy, Bergen Catholic High School, Albertus Magnus High School
CONTRIBUTING PHOTOGRAPHERS
Richman Films, The Ridgewood YMCA’s Beyond Pantry, The Parkside Food Pantry in Westwood, Tanmay Mistry, Immaculate Heart Academy, Bergen Catholic High School, Albertus Magnus High School
Corporate Team
CEO Steven Schowengerdt
COO Matthew Perry
CRO Jamie Pentz
CTO Ajay Krishnan
VP OF OPERATIONS Janeane Thompson
VP OF SALES Andrew Leaders
AD DESIGNER Andrew Sapad
LAYOUT DESIGNER Antanette Ray
QUALITY CONTROL SPECIALIST Anna Minnick
Charissa H. Yong
DIVORCE AND FAMILY LAW
Mr. Jones focuses on Domestic Violence and related family law matters, including divorce and municipal court cases. Mr. Jones frequently receives referrals from other law firms to handle domestic violence trials, when a negotiated resolution is not possible. Admitted to the New Jersey Bar in May 2005, Mr. Jones served two judicial clerkships in the Bergen Count Family Division: first for the Honorable Harold C. Hollenbeck, J.S.C.; then for the Honorable Edward V. Torack, J.S.C. He has served as the Assistant Public Defender for the Borough of Montvale, New Jersey (now the Pascack Joint Municipal Court), as a Panelist for the Matrimonial Early Settlement Panel programs in Bergen, Morris and Essex Counties, and on the District IIB Fee Arbitration Committee.
Currently, Mr. Jones is a Barrister in the Barry I. Croland Family Law Inns of Court and a former Trustee of the Morris County Bar Association. Mr. Jones has been recognized as “Rising Star” by Super Lawyers Magazine from 2011 through 2015.
Mr. Jones was born in Washington, D.C. He received a Bachelor of Arts in Government and Politics from the University of Maryland, College Park, and his Juris Doctorate from Rutgers University –Camden. Prior to attending Law School, Mr. Jones served as congressional staff to the Honorable Solomon P. Ortiz (TX-27).
Guardianship / Real Estate & Land Use / Commercial Litigation
Mediation / Privacy & Internet Law
Luther Griffin Jones IV
city scene
WHERE NEIGHBORS CAN SEE AND BE SEEN
1-2: The Benefit Games this January supported both ZLE and The Neil G. Shastri Foundation. 3: Annual Pascack Valley Mayors breakfast hosted by the Greater Pascack Valley Chamber of Commerce. 4: The Center for Resiliency lead Westwood Juniors in managing anxiety with “How to Get Unstuck.” 5: Bergen Catholic Crusaders traveled to Lima, Peru, for an immersion service trip to rebuild homes. 6: Westwood resident captured a NJ Transit train gliding through the crisp dawn of January. 7: Sunrise over Goodwin Park, captured by Westwood Mayor Ray Arroyo, showcasing nature’s beauty.
NICK ARIEMMA MAYOR RAY ARROYO
KAREN KOSCH
PASCACK VALLEY CITY LIFESTYLE
CENTER FOR RESILIENCY
KAREN KOSCH
8: Jeff Jasper honored with the Citizen of the Year Awards donation. 9: Publisher Anthony Rizzo with Doug Salz & John Mok at the Montvale Chamber Kickoff Event. 10: Immaculate Heart Academy announced its Q2 Soaring Eagle Awards for the 2024-25 school year. 11: The community celebrated Martha Urbiel’s retirement and welcoming Catherine DiLeo as the new Westwood Library Director! 12: 4Ever Young Montvale Valentines Day Event. 13: Fun in the snow at The Pet Lodge and Day Spa in River Vale. 14: Westwood’s Kissing Tree “Capture the Love” event on Valentine’s Day. Want
PASCACK VALLEY CITY LIFESTYLE
WESTWOOD LIBRARY
IMMACULATE HEART ACADEMY
ZOLTAN HORVATH
Photo Courtesy of @IvyDashPhotography
Interior Design by @tcinteriors__
Photo Courtesy of @siobhanstantonphotography
Photo Courtesy of @siobhanstantonphotography
Interior Design by @tcinteriors__
Clear your space and your ming with eco-friendly junk removal.
We’ll donate, recycle, and rehome your items.
At The Junkluggers, we do junk removal The Green Way™ by treating customers and their items with care, respect, and by minimizing what ends up in a landfill.
For any donations we're able to make on your behalf, you'll receive a tax-deductible donation receipt!
Contact The Junkluggers today for a free onsite estimate!
Fleming’s Prime Steakhouse & Wine Bar Unveils New Montvale Restaurant
Fleming’s Prime Steakhouse & Wine Bar has brought its signature modern steakhouse experience to Montvale. The restaurant features an open-concept design with private rooms for events, a 2,500-bottle wine vault, and an elevated menu with USDA Prime steaks, fresh seafood, and craft cocktails. To celebrate their grand opening, Fleming’s made a donation to the Tom Coughlin Jay Fund, supporting families facing childhood cancer. For more information or reservations please visit www. FlemingsSteakhouse.com or call 201-326-0000.
The Westwood Shade Tree Advisory Committee, joined by local organizations and news outlets, gathered this February to install a plaque honoring the historic Copper Beech “Kissing Tree” near the Westwood Train Station. The tree remains a cherished symbol of Westwood’s natural beauty and community heritage.
Coming Soon to Old Tappan: COREFIRE!
Get ready to sweat! COREFIRE is bringing the Lagree Fitness method to Old Tappan, offering intense 45-minute small group sessions on the Megaformer. This efficient full-body workout not only strengthens and tones your muscles but challenges your mind with every move. With constantly varied routines, no two sessions are ever the same! Be on the lookout for the grand opening at 200 Old Tappan Road, Old Tappan in May 2025! Follow them on Instagram @corefirenj.oldtappan for more info!
Transform Your Home with Garden State Garage & Siding!
Welcome to Garden State Garage and Siding your top-rated experts in roofing, siding, garage doors, and gutters. We specialize in stylish, durable home transformations that bring your vision to life.
Craftsmanship You Can Trust: From sleek roofs to show-stopping siding and custom garage doors, we enhance your home’s beauty and protection with precision and care.
Visit Our Showroom: Explore premium options in our state-of-the-art showroom and plan your dream project with our expert team.
Affordable Excellence: With flexible financing options, we make upgrading your home both stunning and budget-friendly.
Serving Bergen, Passaic & Essex Counties: We proudly deliver unmatched quality and curb appeal across these regions, earning a reputation for excellence.
Photography by Frantvisuals LLC
the CITY LIST
We have such amazing, innovative business leaders in our community who are proud to serve you, our residents, with class and quality. We’ve compiled some of our top company picks for the services that might be on your mind this month in an effort to make your lives a little easier.
Senior Living Facilities
The Chelsea at Washington Township www.chelseaseniorliving.com | 201.263.1955
The Bristal Assisted Living at Woodcliff Lake www.thebristal.com/woodcliff-lake | 201.775.0084
Thrive at Montvale www.thrivesl.com/montvale | 201.201.8815
Harmony Village at CareOne Westwood www.care-one.com/locations/harmony-village-at-careone-valley |
Sunrise of Woodcliff Lake www.sunriseseniorliving.com | 201.782.1888
Auto Dealership
Liberty Subaru www.libertysubaru.com | 201.261.0900
Jack Daniels Porsche www.jackdanielsporsche.com | 866.978.2152
Lincoln of Ramsey www.lincolnoframsey.com | 201.849.7970
Want to suggest a monthly pick?
Ramsey Mazda www.ramseymazda.com | 201.825.4444
All American Ford of Paramus www.allamericanfordinparamus.com | 201.477.9200
SPRING BLOSSOM FIZZ
Celebrate the arrival of spring with a refreshing Spring Blossom Fizz! This cocktail blends floral gin, elderflower liqueur, and citrus for a light, bubbly drink that’s perfect for April’s warmer days. Cheers!
Ingredients:
• 1.5 oz Gin (a floral gin like Hendrick’s works great) • 0.75 oz Elderflower liqueur (St-Germain is a popular choice)
• 0.5 oz Fresh lemon juice
• 0.25 oz Simple syrup (optional, depending on sweetness preference)
• Sparkling water or club soda
• A few dashes of bitters (orange bitters works well)
• Edible flowers or lemon wheel for garnish (optional
Optional Variation: For a slightly different twist, you can add a splash of grapefruit juice instead of the simple syrup for a citrusy bitterness.
Directions:
1. Shake the base: In a cocktail shaker, combine the gin, elderflower liqueur, lemon juice, and simple syrup (if using). Fill the shaker with ice and shake vigorously for about 15 seconds.
2. Strain: Strain the mixture into a tall glass filled with ice.
3. Top with bubbles: Slowly pour in sparkling water or club soda to your liking—about 2-3 oz, depending on how fizzy you want it.
4. Add bitters: Add a couple of dashes of orange bitters on top for a bit of complexity.
5. Garnish: Garnish with an edible flower (like a pansy or a small violet) or an orange/lemon wheel to bring a pop of color.
ARTICLE BY CHLOE ANDERSON
FLORAL AND REFRESHING COCKTAIL TO WELCOME SPRING
“It
ROBERT KIYOSAKI
ARTICLE BY CARLY MAC MANUS PHOTOGRAPHY BY TANMAY MISTRY
Wanderlust Unlocked
As we look ahead to 2025, the travel industry is buzzing with new opportunities and exciting destinations. To help you plan your next getaway, we spoke with Tanmay Mistry, travel expert and owner of Old Tappan Travels, about the top five places to visit in the upcoming year. With more than 14 years of experience in the business, Mistry offers insights into some of the world’s most unique travel spots. Here are his top recommendations for 2025:
1. Switzerland: The Ultimate European Playground
Mistry recently returned from Switzerland and can’t recommend it enough. Known for its snow-capped mountains, picturesque villages, and seamless blend of French, German, and Italian cultures, Switzerland is a year-round destination. “It’s a place that lives up to the hype,” Mistry says. “You can ski in the winter and enjoy hiking and lakes in the summer, plus the location makes it easy to hop over to neighboring countries like France and Italy for day trips.”
Whether you’re a skier, a foodie, or a culture lover, Switzerland has something for everyone. From family-friendly resorts to charming alpine towns, this country is ideal for travelers of all ages.
Expert Picks from Old Tappan Travels
2. Patagonia, Argentina and Chile: Rugged Adventure Awaits
For those seeking adventure in the great outdoors, Patagonia is a must-visit. Mistry describes this region as a “rugged, pristine paradise,” with glaciers, towering mountains, and crystal-clear lakes. Both Argentina and Chile offer opportunities for exploration and unique activities, such as glacier hiking and wildlife watching.
“It’s still a bit off the beaten path compared to other popular destinations,” Mistry notes, “which makes it feel like a place you can almost have to yourself.” He recommends visiting between September and March, when the weather is most favorable for outdoor adventures.
3. Albania:Europe’s Hidden Gem
If you’re looking to discover a lesser-known European destination, Albania should be at the top of your list. Mistry describes the country as having an Italian and Greek vibe, with Mediterranean beaches and rugged mountains, but without the heavy tourist crowds. “It’s like discovering a hidden paradise,” he says. “You can experience yacht culture, explore ancient cities, and enjoy great value for your money.”
With its beautiful coastline and fascinating history, Albania is quickly gaining recognition as an emerging hotspot for travelers looking for a more authentic European experience.
4. India: A Journey for the Senses
For something truly immersive, Mistry points to India as a destination that has it all. From the majestic Himalayas to the bustling streets of Delhi, India offers a diverse range of experiences. “If you like food, history, and adventure, India is a place where you could spend months exploring and still feel like you’ve barely scratched the surface,” he says.
India is also a great destination for families, with opportunities to explore ancient temples, embark on camel rides through the desert, or learn about its rich cultural traditions. Whether you’re a foodie, an architecture enthusiast, or an adventurer, India offers something for everyone.
5. Kenya: The Safari of a Lifetime
Last but not least, Kenya remains a top choice for those looking for the ultimate wildlife experience. Mistry recalls his own trip to Kenya as “a sensory overload in the best way possible.” The country’s world-famous safaris allow you to get up close and personal with some of the planet’s most iconic animals, from elephants to lions, in their natural habitats.
Mistry highlights the luxury safari tents that offer comfort in the midst of nature, with stunning views and incredible wildlife encounters. “There’s nothing like seeing a lion in the wild or watching a herd of elephants up close,” he says. A safari in Kenya promises a once-in-alifetime experience that will leave you with unforgettable memories.
Tanmay Mistry, travel expert
Travel Tips for 2025
As you plan your next adventure, Mistry offers these helpful tips:
1. Plan for Crowds in Popular Destinations: Italy’s Jubilee Year in 2025 is expected to attract millions of tourists. Mistry recommends visiting less-traveled towns like Tirano, which offer the same charm and beauty without the crowds.
2. Maximize Your Dollar: The value of foreign currencies can vary, so check exchange rates before booking. Right now, the yen is weaker against the dollar, offering more value for your money.
3. Seek Out Small Towns: While big cities like Rome or Paris are always on the radar, consider exploring smaller towns for a more authentic experience. These places often offer the charm of tourist hotspots but with a more relaxed and intimate atmosphere.
With these tips and destinations in mind, 2025 promises to be an exciting year for travelers. Whether you’re seeking adventure in Patagonia, exploring the rich history of Albania, or enjoying a oncein-a-lifetime safari in Kenya, these destinations are sure to offer unforgettable experiences.
Old Tappan Travels is ready to help you plan your dream trip—be it a luxurious getaway or a daring adventure.
For more information you can visit @tanmaytravelz on Instagram.
MENTAL HEALTH WELLNESS
AN INVESTMENT IN YOUR CHILDREN’S FUTURE
The Value of Investing in a Catholic Education: Unique Opportunities at Local High Schools
ARTICLE AND
PHOTOGRAPHY
BY
ALBERTUS MAGNUS
HIGH SCHOOL, BERGEN CATHOLIC HIGH SCHOOL, IMMACULATE HEART ACADEMY
ALBERTUS MAGNUS HIGH SCHOOL
As you consider the best educational path for your child, you may wonder why investing in a Catholic or private school education is worthwhile. Albertus Magnus, a co-educational Catholic high school just minutes from Bergen County, offers unique benefits that set it apart. Serving over 400 students from Bergen, Rockland, Orange, and Westchester counties, Albertus Magnus is committed to providing an innovative, college-preparatory education grounded in the Dominican Pillars of Prayer, Study, Community, and Service. With programs like Academic Pathways and a 4-Year College & School Counseling Program, Albertus Magnus ensures students are prepared for success in college and beyond.
Albertus Magnus is more than just a school; it is a community where students are known and valued. Small class sizes ensure personalized learning experiences, creating a supportive environment where every student thrives. The school guides students toward their unique goals, offering programs like Peer Mentorship and Leadership Institute to encourage leadership and collaboration.
A hallmark of Albertus Magnus is its “hidden” curriculum. Beyond academics, the school emphasizes teaching ethics, values, leadership, and faith, preparing students to navigate the modern world with integrity and compassion. Graduates leave not only academically accomplished but morally grounded, ready to lead, serve, and inspire.
Albertus Magnus is proud to partner with 20 colleges through its signature College Partnership Program. These partnerships guarantee acceptance and merit-based scholarships for students. Some agreements also offer entry into specialized programs, including Doctor of Physical Therapy, Doctor of Occupational Therapy, Master of Speech-Language Pathology, Nursing, Engineering, and Physician Assistant programs, contingent upon meeting certain GPA and SAT/ACT requirements.
Family is a cornerstone at Albertus Magnus, extending beyond the classroom. The school’s alumni network highlights the lifelong connections forged here. Graduates often return to share how their education has shaped their lives and careers, creating a “forever home” that provides ongoing support and opportunities.
Joseph Tweed, Head of School, explains, “Albertus Magnus High School is not simply a four-year investment, but one that pays lifelong dividends. It’s an investment in a holistic education that nurtures the mind, body, and spirit.”
BERGEN CATHOLIC HIGH SCHOOL
Investing in a Catholic school education, particularly at Bergen Catholic High School, provides academic excellence, character development, and lifelong success. As a premier college-preparatory school, Bergen Catholic fosters a rigorous learning environment that challenges students to reach their full potential. With a tradition of academic excellence, faith-based education, and strong leadership development, students graduate well-prepared for higher education and beyond.
Albertus Magnus High School
Albertus Magnus High School
Albertus Magnus High School (co-educational)
Address: 798 NY-304, Bardonia, NY
Website: albertusmagnus.net
Phone: (845) 623-8842
Bergen Catholic High School (all-male)
Address: 1040 Oradell Ave, Oradell
Website: bergencatholic.org
Phone: (201) 261-1844
Immaculate Heart Academy (all-female)
Address: 500 Van Emburgh Ave, Township of Washington
Website: immaculateheartnj.com
Phone: (201) 445-6800
Rooted in the Charism of Blessed Edmund Rice and the Christian Brothers, students develop a strong moral compass, learning to lead with compassion and purpose. The school ensures that students grow not only intellectually but also spiritually, preparing them to be ethical leaders in their communities.
Bergen Catholic also offers opportunities in athletics, extracurricular activities, and valuable networking. With a vast alumni network, graduates gain access to connections that open doors in various industries. An investment in a Bergen Catholic education extends beyond high school, shaping students into confident, well-rounded individuals ready for success in college, careers, and life.
By choosing Bergen Catholic, families invest in more than just an education; they invest in a legacy of excellence, brotherhood, and faith-driven leadership.
IMMACULATE HEART ACADEMY
Choosing the right school for a daughter is a significant decision for parents. A Catholic education at Immaculate Heart Academy (IHA) prepares students for college while fostering strong moral values, academic excellence, and conviction. The school’s financial commitment is balanced by its tremendous return, evidenced by the $45 million in scholarships awarded to the Class of 2024 and their 100% college acceptance rate.
IHA’s commitment to academics, athletics, theater, and service sets it apart. As Principal Kerry Carroll notes, the school’s success goes beyond these achievements.
“IHA has set a high bar for academic excellence, Catholic values, service, and sisterhood for over six decades. As a proud member of the Class of 2004, I can attest to the transformative power of time spent in this community. Our goal is to enable students to develop leadership skills, grow in faith, and challenge themselves academically while ensuring they feel valued by their teachers and peers.”
IHA’s sisterhood extends beyond graduation, forming a lifelong network of support. Alumni return as teachers, counselors, staff, and supporters, creating lasting bonds.
The school offers a rigorous academic program and is the only Catholic school in Bergen County accredited by both the Commission on Secondary Schools and the New Jersey Association of Independent Schools. The curriculum prepares students for college with skills in time management, writing, and critical thinking. Service is at the heart of IHA's mission, encouraging a lifetime of volunteerism and faith in action.
With nearly 80 clubs and 16 sports teams, IHA provides a well-rounded education that develops both the mind and spirit. A focus on health, wellness, and extracurricular involvement ensures a balanced experience for all students.
Investing in a daughter’s future at IHA provides an unmatched educational experience that empowers young women to contribute positively to society.
Bergen Catholic High School
Immaculate Heart Academy
Immaculate Heart Academy
SECURING PEACE OF MIND
Noah Khaja
For Noah Khaja, insurance is more than a necessity—it's a means of securing futures, preserving legacies, and offering peace of mind. As a State Farm agent and business owner, Khaja dedicates his career to ensuring his clients are prepared for life's unpredictable moments.
NOAH KHAJA ON BUILDING A LEGACY WITH INSURANCE
ARTICLE BY CARLY MAC MANUS PHOTOGRAPHY BY CHARISSA H. YONG
Raised in Secaucus as the oldest of five siblings, Khaja grew up learning the value of patience, responsibility, and leadership. His parents owned a retail store in a local mall, where he spent much of his childhood. “That part of the business world was instilled in me as a kid,” he recalls. “It shaped my passion for entrepreneurship.”
After attending Rutgers University and gaining experience in sales, Khaja joined State Farm as a team member in Texas.
Inspired by the company’s collaborative culture and commitment to helping others, he eventually returned to New Jersey in 2016, opening his own agency in 2022. Today, his team includes eight members, including his wife, Christina, brother, Adam, and mother, Asmaa.
“Being able to do this with my family is a blessing,” he says. “In just three years, we’ve helped thousands of families protect their futures.”
Noah Khaja - State Farm Insurance Agent Team
“When clients call, they’re not dialing a 1-800 number—they’re talking to someone who knows their story.”
- Noah Khaja
INSURANCE: A DUAL INVESTMENT
Khaja emphasizes that insurance isn’t just a financial obligation—it’s an investment in one’s future. “A lot of people see it as an expense,” he explains. “But it’s a safety net, protecting not only your assets but also your family’s financial stability.”
From auto to home, life, and business insurance, Khaja and his team tailor coverage to meet each client’s unique needs. He highlights the importance of life insurance, especially for young families. “Life insurance not only protects against unforeseen events but can also
“But
it’s a safety net, protecting not only your assets but also your family’s financial stability.”
build cash value over time. It’s a two-forone investment.”
Khaja recounts stories of how proper coverage makes a difference. In one instance, a client’s renters insurance provided temporary housing after a fire destroyed their apartment. “For just a few dollars a month, they avoided thousands in out-of-pocket expenses,” he says.
ADDRESSING MISCONCEPTIONS
Common misunderstandings often deter people from investing in insurance. Khaja observes that some clients believe they’re too young, healthy, or financially
Noah Khaja - State Farm Insurance Agent Team
constrained to prioritize coverage. Others think all policies are the same.
“Insurance isn’t one-size-fits-all,” he explains. “Every situation is different. It’s our job to educate clients and find solutions that fit their budgets and needs.”
Khaja also notes how climate change influences insurance trends. With increasing instances of natural disasters, he encourages clients to reassess their coverage. “Whether it’s a hurricane, wildfire, or flood, the unexpected can happen.”
A CLIENT-FIRST APPROACH
What sets Khaja apart is his commitment to building relationships and simplifying the insurance process. “We’re not just agents; we’re advocates,” he says. “When clients call, they’re not dialing a 1-800 number—they’re talking to someone who knows their story.”
Khaja’s approach involves detailed life analyses to ensure comprehensive protection. “We don’t just sell insurance; we provide peace of mind.”
A DECADE WITH STATE FARM
As Khaja celebrates 10 years with State Farm, he reflects on his journey with gratitude. “This career allows me to help families on a deep level,” he shares. “It’s been a rewarding ride, and I’m excited for what’s ahead.”
For Khaja, insurance is more than policies and premiums—it’s a promise to safeguard the things that matter most.
For more information, visit statefarm. com/agent/us/nj/montvale/noah-khaja.
ARTICLE BY CARLY MAC MANUS | PHOTOGRAPHY BY CHARISSA H. YONG
HOW CHESTNUT RIDGE DENTAL REDEFINES ORAL HEALTH
THE VALUE OF A SMILE
Dr. Joseph Lota, Dr. Samuel Mufson and Dr. Vincent Capazzi
Your smile is one of your greatest assets. It’s a gateway to confidence, health and countless life opportunities. For Dr. Samuel Mufson, founder
“By committing to consistent care today, patients avoid costly future procedures and protect their health,” Dr. Mufson notes, emphasizing the strong
“WE MAINTAIN OUR TRADITION OF WARM, RELATIONSHIP-BASED
CARE
THAT’S DEFINED US FOR OVER THREE DECADES.” - DR. SAMUEL MUFSON
of Chestnut Ridge Dental, investing in your smile means embracing a comprehensive approach to oral health that combines advanced technology, compassionate care and personalized treatment plans tailored to each patient’s unique needs.
“My journey began in 1991, guided by two exceptional mentors who taught me that being a great dentist means combining technical expertise with genuine compassion,” Mufson explains.
“That philosophy remains the foundation of our practice. For 34 years, we’ve built Chestnut Ridge Dental into a place where patients feel truly cared for.”
A HOLISTIC APPROACH TO ORAL HEALTH
At Chestnut Ridge Dental, investing in your smile starts with prevention. Regular dental care not only maintains oral health but also safeguards overall wellness and finances.
links between oral health and conditions such as heart disease and diabetes.
The practice focuses on preventive measures and patient education. Through professional cleanings and personalized home care strategies — including brushing techniques, quality oral products and dietary recommendations — patients gain the tools to maintain healthy smiles for life.
“Prevention is the cornerstone of oral health and a wise investment that saves both time and money,” he adds.
CUTTING-EDGE TECHNOLOGY
Dr. Mufson and his team stay at the forefront of dental innovation. With advancements such as digital imaging, Invisalign, laser dentistry, same-day restorations and AI-guided smile design, the practice offers precise, efficient and comfortable treatments.
“These tools allow us to deliver highly aesthetic, customized veneers
and restorations with unparalleled accuracy,” Dr. Mufson shares, highlighting how advanced materials and digital workflows are revolutionizing cosmetic dentistry.
While technology plays a vital role, personal connection remains central to the practice.
“We maintain our tradition of warm, relationship-based care that’s defined us for over three decades,” he points out.
PERSONALIZING EVERY SMILE
Each patient’s journey begins with a detailed consultation, where Dr. Mufson’s team listens to their aspirations and circumstances. Whether it’s creating phased treatment plans, maximizing insurance benefits or exploring financing options, the goal is to ensure dental care remains accessible without compromising results.
“We believe in flexible, individualized care,” Dr. Mufson emphasizes. “Every smile is unique, and our role is to craft treatments that enhance both function and aesthetics.”
A recent success story underscores this personalized approach. Dan, a trainer in his mid-30s, came to the practice feeling self-conscious about coffee stains and childhood chips. After a discussion about his goals, Dr. Mufson designed a conservative plan with six porcelain veneers.
“The transformation was remarkable,” he recalls. “It wasn’t a Hollywood smile — it was uniquely Dan. When a client told him, ‘You seem happier — you smile all the time,’ it reminded us why we do what we do.”
A LEGACY OF TRUST
The success of Chestnut Ridge Dental is built on a foundation of trust, consistency
Dr. Joseph Lota at the front desk
Waiting room
“WE BELIEVE IN FLEXIBLE, INDIVIDUALIZED CARE.” - DR. SAMUEL MUFSON
and genuine care. Many patients who first visited as children now bring their own families, reflecting the deep relationships the team has built over the years.
“Our patients are our community,” Dr. Mufson reflects. “We celebrate their milestones, remember their stories and truly listen. Being part of their health care journey across generations is an honor.”
Looking ahead, the practice continues to blend tradition with innovation.
“We’re investing in digital scanning technology to make treatments even more precise while maintaining the personal, compassionate care our patients expect,” Dr. Mufson explains.
A SMILE WORTH THE INVESTMENT
After 34 years in dentistry, Dr. Mufson has one clear message: your smile is your future.
“We’ve seen countless patients who wished they’d prioritized their dental health sooner,” he says. “A healthy smile opens doors, builds confidence and supports overall wellness. It’s one of the most valuable investments you can make in yourself.”
At Chestnut Ridge Dental, smiles aren’t just transformed — they’re celebrated as a vital part of a person’s identity and well-being. Don’t wait to invest in yours.
For more information visit chestnutridgedental.com
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Dr. Samuel Mufson, Dr. Vincent Capazzi and Dr. Joseph Lota
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Experience a curated selection of Italian cuisine, featuring a different region bi-weekly, perfectly paired with wines from that region.
Hours: Monday - Closed
Tue – Sat: 5:00pm – 10:00pm | Sun 2:00pm – 8:00pm
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At Trattoria Da Vittorio, we celebrate the diverse regional cuisines of Italy with a menu that emphasizes fresh, handmade dishes.
WONDERFUL FOOD BANKS Help Nourish Neighbors in Need
STRENGTHENING COMMUNITIES AND ENRICHING LIVES
ARTICLE BY JENNIFER K. MURRAY | PHOTOGRAPHY BY THE RIDGEWOOD YMCA’S BEYOND PANTRY, THE PARKSIDE FOOD PANTRY IN WESTWOOD
The Ridgewood YMCA’s Beyond Pantry
Food banks in our area provide nourishment for neighbors in need while also building stronger communities.
Creating a ripple effect of love and hope, these banks allow us to share what we have with the most vulnerable members of our communities. Shelves are stocked with groceries, toiletries, ready-to-go meals, and more — shared by one community member to another.
In our area, the Ridgewood YMCA’s Beyond Pantry and the Parkside Food Pantry in Westwood provide a safe and welcoming space for individuals who are in need, offering fresh groceries, household items, freshly prepared meals, and so much more.
THE RIDGEWOOD YMCA’S BEYOND PANTRY
Beyond Pantry is a recent addition to the Bergen County community, having started in 2023. During and after COVID, there was an influx of community members experiencing food insecurity.
Megan Nayden, VP of Membership and Mission Advancement at the Ridgewood YMCA, explains: “The YMCA began a food box distribution every Tuesday. We were working with Feed the Front Lines, the Community Food Bank, and the New Jersey Alliance as a location where people could come and get healthy meals.”
Due to the need for a location offering more than just food, the Ridgewood YMCA officially started Beyond Pantry, distributing 17,000 boxes in 2023. Now serving those in need weekly, it features a large freezer, refrigeration for perishables, shelves for non-perishables, a collection of toys and stuffed animals, and more. The community helps keep things stocked, and NJ’s Table-to-Table donates every week.
The Tuesday food box distribution is only one part. What started with about 100 cars lining up for distribution soon grew to serve over 170 families. Registered families receive nutritious foods gathered from several sources, including local restaurants and cafes, Table-to-Table, the Community Food Bank, M&T Bank and their employees, and the YMCA community.
The Ridgewood YMCA’s Beyond Pantry
“Individuals from all over Northern New Jersey, including Bergen and Passaic counties, can apply to be part of Beyond Pantry. They can come on an 'as-needed' basis for food, toiletries, child and baby products, and more,” says Nayden.
Special events are also sponsored through Beyond Pantry, including toy collections for holiday and birthday gifts.
Volunteers from the community play a huge role, including local teenagers and adults who contribute their time to organizing the collected food and toys on the shelves and assisting with distribution.
“I always say that it's about making sure nobody goes hungry. The price of food has gone up, and it is my goal to make sure people know we’re here. We want people to feel comfortable coming in to ask for what they need — we are a welcoming place where people can come when in need,” says Nayden.
Five hundred and fifteen unique families have been served through the YMCA pantry and food distribution this year alone.
Items most needed: Cereal, diapers, cleaning products, toiletries and hygiene products, and, of course, any food items.
Donations: Items can be dropped off at the Ridgewood YMCA during open hours. Perishables can be brought to the front desk. Inquire about volunteer opportunities at the YMCA or online at RidgewoodYMCA.org.
“I’m so grateful for the individuals who come every week so we can serve — no matter the weather. It gives me a lot of pride knowing that this is the community taking care of each other.”
- Megan Nayden
“It’s amazing that this little idea has just grown and grown, and the neighbors and our members have expanded this vision, too. I’m so grateful for the individuals who come every week so we can serve — no matter the weather. It gives me a lot of pride knowing that this is the community taking care of each other.”
THE PARKSIDE FOOD PANTRY IN WESTWOOD
The Parkside Pantry in Westwood was also founded during the height of the COVID pandemic, focusing on filling the needs of low-income senior residents in Westwood. At that time, grocery stores had long lines that proved difficult for seniors, and fresh foods were hard to afford.
Initially, the Parkside Pantry made home deliveries of food obtained from various grocery stores to those most in need. Operations later shifted to a pick-up model at the front porch of the Parkside Community Church.
Soon after, they received grants from Bergen County's Food Security Task Force, which was created to address food insecurity countywide.
Lisa Bontemps, food pantry coordinator, shares how grateful they are for these grants, specifically thanking Commissioner Tracy Zur for helping the Parkside Pantry have the impact it has today.
Soon, they moved off the porch — pantry storerooms were built, and refrigeration equipment was obtained, creating the full-service pantry they are today.
“In addition to providing weekly distributions of pantry staples, we offer fresh foods rescued from a variety of grocery sources, including meats, dairy, bread, and produce,” says Bontemps. “What makes our pantry unique is that we have dedicated volunteers who cook fresh, hot meals to go for all of our pantry clients and families, led by our primary cook, Christine Green. This gives them at least one night a week where they don’t have to worry about what to make for dinner, providing them with a tasty and nutritionally balanced meal.”
Food banks not only provide nutrition, but they help individuals and families create a feeling of warmth within their own homes.
Bontemps recalls a special moment: “Early in our operations, we had a client who received a variety of foods from us, including frozen salmon. Using just the ingredients she received that day, she managed to prepare a delicious meal for her family. She created it in a visually stunning way and texted me a picture. She said that beyond the obvious help of having food they would otherwise not be able to afford, being able to serve her family a lovely meal helped brighten what was otherwise a very dark time for them, when everything felt so uncertain.”
When a family shares a meal together, things feel safe. This is why Parkside Pantry hopes to raise enough funds to purchase additional needed items and reach an even wider audience.
“We currently do two concert fundraisers each year that have been helpful in raising enough to pay for some of our hot meal
food costs,” Bontemps explains. “Our next concert, Westwood Goes Broadway, will be in June.”
“I’m most proud of the fact that I’ve been able to recruit and retain several wonderful volunteers from our community who want to be a part of making a difference by donating their time,” continues Bontemps. “I am especially proud that I’ve helped instill this sense of community service and a higher mission in the hearts and minds of many teens who will hopefully use this experience to continue doing good in the world.”
How to help: Volunteer opportunities are listed on their website: ParksideChurch.net.
Donations: Non-perishable foods can be placed in donation bins in front of the main entrance. Financial donations can be made on their website: ParksideChurch.net.
A LOVING EFFORT
Food banks like Parkside Food Pantry and Ridgewood’s YMCA’s Beyond Pantry provide loving care and nourishment to our community members in need.
YMCA’s Nayden shares: “It really is a group effort. The pantries in our area all work together for the greater good, with the goal of helping as many individuals in need as possible. No one should face hunger alone.”
If you are looking to spread some love and care to members of your community, reach out to the local food banks to lend a helping hand to those in need. The rewards are immeasurable.
The Parkside Food Pantry in Westwood
ARTICLE BY CARLY MAC MANUS | PHOTOGRAPHY BY CLARA WANG
Real Estate Navigating Luxury
Expert Insights on Bergen County’s Real Estate Market with Andrew Gangi and Vincent Giordano
Andrew Gangi and Vincent Giordano
In the world of luxury real estate, the expertise of seasoned professionals is essential to navigating the complexities of buying and selling high-end properties. Two such experts, Andrew Gangi, team leader and REALTOR-Associate® of Keller Williams Luxury, and Vincent Giordano, president and senior loan advisor at Garden State Mortgage Corp., offer invaluable insights into the current state of Bergen County’s luxury real estate market, investment opportunities, and the strategies that set their clients up for success.
Gangi’s deep understanding of the market is bolstered by his membership in Keller Williams Luxury, a network that connects luxury agents with high-net-worth individuals through digital platforms like Mansion Global and Barron’s. Meanwhile, Giordano brings a wealth of experience in mortgage financing, helping clients secure the right loan options in a competitive market.
Bergen County remains one of the most desirable locations for affluent buyers, and both Gangi and Giordano play key roles in ensuring that their clients make informed decisions in a market where the stakes are high.
THE BERGEN COUNTY LUXURY MARKET: TRENDS AND INVESTMENT OPPORTUNITIES
Gangi notes that the luxury real estate market in Bergen County is thriving, with home prices increasing by 8.4% in 2024. Despite these rising prices, inventory remains limited, creating a competitive environment for buyers seeking larger homes with more land, privacy, and luxury features like pools. However, Gangi points out that many buyers in this price range are able to navigate these challenges through larger down payments and alternative financing options, which Giordano helps facilitate.
“Many buyers in this market are looking for homes that offer more than just space — they want features like modern architecture, smart home technology, and energy-efficient systems,” Gangi adds. “While interest rates may not be as favorable as they were during the pandemic, for high-end buyers, these rates are less of a concern when the prop erty is the right fit.”
Giordano emphasizes the importance of understanding the various financing options available to luxury buyers in this market. "We work with clients to provide a variety of lending options, from jumbo loans to specialized programs that can meet the needs of those purchasing luxury homes," Giordano explains. “For first-time luxury homebuyers, the key is preparation. Luxury buyers generally take on larger loans, which can have strict qualification requirements. Buyers should ensure their financial profile is strong—this means a clean credit history, low debt-to-income ratio, and arranging their assets to prepare for a purchase."
Giordano also recommends connecting with a mortgage broker early in the process to ensure that prospective buyers are ready. “Smart, early planning can help mitigate any impact resulting from shifts in interest rates, and we educate our clients on how to be in the best position today while planning for tomorrow.”
IDENTIFYING HIGH-RETURN INVESTMENT PROPERTIES
While many of Gangi’s clients are purchasing primary residences, he acknowledges that location remains a key factor in any real estate decision. "Home values tend to appreciate over time, especially in Bergen County,” he explains. “The local school systems, proximity to New York City, and the overall desirability of the area are all factors that help maintain property values.”
For investors looking to purchase homes for renovation or resale, Gangi suggests using the "3x rule." "If you are buying a property for $600,000, it needs to be worth $1.8 million after renovations to make the investment worthwhile," he advises.
Giordano adds, “When working with investors, it’s critical to analyze the potential for return on investment. Financing a renovation project, especially one that targets a high-end buyer, requires careful planning and consideration of long-term property value.”
SUCCESS IN THE LUXURY REAL ESTATE SECTOR
Succeeding in the luxury real estate sector requires a unique blend of marketing, communication, and personal availability, according to Gangi. “In this industry, you need to present properties in a way that exudes luxury,” he says. “Everything from the photos and videos to the brochures and private events must reflect the highend nature of the property.”
But perhaps the most essential quality, Gangi believes, is being available to clients at all times. “Wealthy clients expect a high level of service, and sometimes that means being available for a phone call at 7 a.m. or 11 p.m.,” he explains. “You become their advisor, and at times, even their therapist. The key is to listen and provide honest, clear advice.”
Giordano adds that availability is equally important when it comes to securing financing. "Understanding the urgency of a high-end buyer’s needs is critical. We’re often working on tight timelines, and being responsive can make or break a deal,” he explains.
NAVIGATING ECONOMIC SHIFTS IN LUXURY PROPERTY INVESTMENT
Both Gangi and Giordano agree that economic fluctuations don’t deter luxury buyers. Gangi tailors his advice based on whether clients are seeking short-term
or long-term investments. For those planning to live in their homes for decades, he reassures them that home values tend to appreciate over time, regardless of market shifts. For clients with shorter-term goals, Gangi emphasizes the need for caution and understanding the risks involved in an unpredictable market.
“The best time to buy is when you’re ready,” Gangi advises. “Whether the market is high or low, if you find a home that fits your needs and goals, it’s the right time.”
Giordano concurs, saying, “We always work with our clients to understand their financial goals, whether they’re looking for a short-term investment or a long-term home. That way, we can help structure the right loan to meet their needs, no matter what the market looks like.”
THE ROLE OF DIGITAL PLATFORMS IN REACHING INVESTORS
As technology plays an increasingly vital role in the real estate industry, Gangi and Giordano agree that platforms like Mansion Global and Barron’s are invaluable tools for reaching potential investors. These digital platforms provide global exposure to luxury listings, connecting high-net-worth individuals (HNWIs) with properties that may not be available through traditional marketing channels.
“Digital platforms are a game-changer,” says Gangi. “They allow us to showcase properties to a worldwide audience, giving luxury homes the visibility they deserve. It’s an essential tool for connecting with buyers and investors across the globe.”
VincentGiordano
Giordano notes that these platforms also help streamline the financing process. “When a property gets global exposure, it’s not just the home that’s being marketed — it’s the financing options as well. These platforms attract investors who are ready to make moves, and we’re here to help them secure the right financing to complete the deal.”
ADVICE FOR FIRST-TIME LUXURY HOMEBUYERS
For first-time luxury buyers, especially those relocating from New York City or other major metropolitan areas, Gangi offers a piece of advice: "Do your due diligence. Drive around the neighborhoods, check out local amenities, and ensure the commute works for you."
Giordano advises first-time buyers to seek out financing advice early in the process. “Get pre-approved for a loan and understand your financing options. The luxury market is competitive, and being prepared can give you an edge in securing the right property.”
As the Bergen County luxury market continues to evolve, Andrew Gangi and Vincent Giordano remain trusted advisors for those looking to navigate the complexities of high-end real estate. With a combination of market knowledge, local expertise, and access to exclusive resources, Gangi and Giordano offer a tailored approach to luxury real estate that helps clients make informed decisions and secure their dream properties.
For those entering the market, Gangi’s advice is clear: do your research, work with experienced professionals, and always make your decisions based on long-term goals. With the right guidance, the luxury real estate market offers endless opportunities for investment and growth.
Andrew Gangi - The Gangi Group | KW
Address: 123 Tice Blvd, Woodcliff Lake
Phone: (201) 575-3312
Website: thegangigroup.com
Vincent Giordano - President and Senior Loan Advisor for Garden State Mortgage Corp.
Address: 160 Pehle Ave Ste 301, Saddle Brook
Phone: (201) 351-5874
Website: gsmlending.com
Andrew Gangi and Vincent Giordano
Andrew Gangi
GUIDING THE COMMUNITY THROUGH MANY STAGES OF LIFE
ARTICLE BY NICOLE ZAMLOUT | PHOTOGRAPHY BY RICHMAN FILMS
A Ridgewood Firm Specializing in Elder Law and Estate Planning Supports Families Through Life’s Toughest Challenges
The Manna Helmy Law Group is more than just a law firm; it is a dedicated team helping people navigate the challenging but necessary steps that come at the end of a life. Founded by Michael A. Manna in the 1970s, the elder law and estate planning firm quickly found its focus and has been assisting families ever since.
The group of five attorneys and four paralegals based in Ridgewood has expanded its offerings to include new services through the specialized expertise of its team. This includes teaching continuing education classes to social workers on topics such as guardianships and senior scams, as well as handling the complex cases those social workers refer to them.
“Over the years, we’ve developed a reputation for managing these difficult cases,” said Marize Helmy, Esq., partner at The Manna Helmy Law Group. “The cases we handle now are often more complex. We’ve truly established ourselves as an elder law and estate planning firm that addresses every issue within that umbrella, including filing Medicaid applications, initiating guardianships when needed, assisting with estate administration after a loved one passes, and representing individuals in estate litigation when disputes arise.”
Partners Marize Helmy and Michael Manna
This reputation has allowed The Manna Helmy Law Group to assist clients in preparing for the difficult realities of long-term care and the death of a loved one. The firm takes a holistic approach to their clients' needs, factoring in their personal goals. The firm often assists clients in navigating options for long-term care facilities, coordinating care managers, or even serving as executors and trustees if needed.
Despite the challenges, the group finds the work to be rewarding. It involves both the hard facts of law and the human factors that come with these sensitive situations.
“My number one goal is to connect with my clients as a person first, before as a lawyer,” Helmy said. “That’s made the relationships I’ve developed with clients really rewarding. While professionalism is important, it’s also crucial to be human in this line of work. For many of our clients, this is a real-life crisis.”
That sense of care transforms what can be a difficult day into a meaningful one, as the attorneys at The Manna Helmy Law Group are often entrusted with the vulnerabilities of families facing situations that can seem overwhelming. The firm ensures that they never take this responsibility lightly, demonstrating both skill and empathy.
The group relies on these tools not only to connect with clients but to manage the practical and emotional challenges of elder law. Whether dealing with sudden death, navigating family dynamics, or debunking misinformation found online, the firm remains grounded in patience and empathy to achieve the best outcomes for their clients.
In spite of these obstacles, the firm has experienced just as many moments of joy. These rewards can come as simply finishing a will that leaves a client feeling at peace with the inevitable future or receiving an approval of a government program giving families relief from the cost of long-term care. “Then they can focus on improving their quality of life, rather than watching everything they’ve worked for disappear more quickly than they ever imagined,” Helmy said, reflecting on the relief clients feel in those moments.
By supporting the community during these times, The Manna Helmy Law Group ensures that families can find peace at any stage of life, proving that help is always available in Bergen County when it's needed most.
For more information on The Manna Helmy Law Group, visit mamannalaw.com.
The Manna Helmy Law Group Team
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Pascack Valley Realty Market Report
Navigating the local real estate landscape, whether you're a resident, investor, or looking to join our community.
Maximize Your Home Sale: What Every Seller Needs to Know About the New Commission Rules
By Slava Zborovsky, Slava Realty Group powered by Christie’s International Real Estate
The recent NAR settlement has sparked a lot of questions and concerns in the real estate world, particularly regarding how commissions will be handled moving forward. Initially, I, like many in the business, wasn’t sure what the big deal was. For years, I have negotiated full commissions for my listings, typically 4% or 5%, which were then split with the buyer’s agent. However, upon closer consideration, I began to realize the opportunities this new approach offers—especially in our local New Jersey market.
One of the most significant changes is the flexibility it introduces for sellers. In the past, commissions were essentially locked in; while we could negotiate the total commission, the buyer’s agent portion was relatively fixed. Now, sellers can be more strategic. There’s no longer a requirement to disclose how much you’re offering a buyer’s agent upfront. For instance, what if the buyer’s agent is willing to work for 1%? Or what if they bring a fantastic offer but ask for 3%, and the net to the seller is still better? Sellers now have more room to negotiate based on the value that buyer agents bring to the table.
Another benefit for sellers is the possibility that buyers may decide to cover their agent’s fee entirely. Especially in today’s competitive market with limited inventory, buyers are eager to make their offers more attractive. One way to do that is to absorb the cost of their agent’s commission, making the deal even sweeter for the seller.
This flexibility is particularly useful in markets like New Jersey, where inventory is tight, and homes are selling rapidly. In this environment, sellers hold most of the power and can negotiate every part of the transaction, including commissions. However, if the market shifts and inventory increases, sellers might need to start offering to cover part or all of the buyer’s agent commission as an incentive to draw in offers. The key here is being strategic with the terms and finding ways to maximize the seller’s net profit. This new landscape emphasizes more than ever the importance of working with the right real estate professional. It’s no longer just about putting a house on the market and waiting for offers to roll in. It’s about having the expertise to negotiate commissions and terms that protect your bottom line. As agents, our job is to craft a strategy that maximizes the seller’s return, whether it’s negotiating down the buyer’s agent fee or finding creative ways to attract buyers without sacrificing the seller’s interests.
The NAR settlement also brings more transparency for buyers. Now, buyers will need to sign formal representation agreements with their agents before home tours, clearly outlining the fees involved. This benefits both buyers and sellers by ensuring clarity from the start, but it also means that working with an experienced agent who can navigate this more complex process is essential.
From a buyer’s perspective, these changes present both challenges and opportunities. Firsttime buyers, who are already facing financial pressures, might find it harder to cover their agent’s commission on top of down payments and closing costs. However, more experienced buyers may see this as a chance to negotiate fees with their agent or request that the seller cover part of the commission. Ultimately, the flexibility offered by this new approach can be an advantage to both sides if navigated correctly.
Pricing is another area that could be affected by these changes. With sellers no longer required to pay the buyer’s agent commission, they may adjust their listing prices accordingly. In hot markets, we could see prices decrease slightly as sellers save on commissions. However, in buyer-heavy markets, sellers might increase their prices to offer incentives like covering the buyer’s agent fees. Again, the key here is strategic negotiation to ensure the best deal for the seller.
In summary, while the NAR settlement brings significant changes to how commissions are handled, it also offers new opportunities for sellers to take control of their expenses and negotiate better deals. In a market as dynamic as ours, working with a knowledgeable real estate professional who understands these shifts is crucial to maximizing your returns.
If you have any questions about how these changes could affect your buying or selling strategy, feel free to reach out to me, your local real estate specialist. I’m here to help you navigate this evolving landscape and ensure you make the most informed decisions possible.
Slava Zborovsky Broker
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APRIL 2025
A SELECTION OF UPCOMING LOCAL EVENTS
APRIL 3RD
Red & White Gala
Edgewood Country Club - 449 Rivervale Road, River Vale | 6:00 PM
Reserve your tickets now for St. John’s Academy’s 25th Annual Red & White Gala this April, at Edgewood Country Club! Enjoy an unforgettable evening of celebration, dining, and entertainment. For more information visit sjahillsdale.org.
APRIL 9TH
AWC "PAWS FOR FASHION!" Fashion Show Benefit
Seasons Catering - 644 Pascack Road, Township of Washington | 6:30 PM
Join the Allendale Woman’s Club Fashion Show to raise funds for the Ramapo-Bergen Animal Refuge! Enjoy an exciting evening of fashions, prizes, food, cocktails, and philanthropy. Support their charitable efforts by attending, sponsoring, or donating to the basket auction. For more information or to RSVP visit AllendaleWomansClub.org.
APRIL 16TH
Mary Dowling Whiskey Co Book Launch & Tasting
Hearth & Tap - 125 N Kinderkamack Road, Montvale | 7:00 PM
Explore an exclusive evening celebrating a trailblazing female distiller who dominated the whiskey world during Prohibition. Enjoy a whiskey tasting, Tatajua cigar pairing, and hors d’oeuvres. Fore more information or to reserve your spot call 201-307-6300 or email info@hearthandtap.com.
APRIL 23RD
Lunch Around The World
184 Rivervale Road, River Vale | 12:00 PM
Join the Oradell Book and Needle Club for a delicious lunch at Ammata Thai Kitchen in River Vale, and sample authentic international cuisine with fellow members this month! For more information visit oradellbookandneedle.org.
APRIL 23RD
Hillsdale Child Health Clinic
380 Hillsdale Ave, Hillsdale | 10:00 AM
The Hillsdale Child Health Conference offers free health services for uninsured or under-insured children. Services include physical exams, immunizations, blood tests, and screenings for speech, hearing, and vision. Held on the 4th Wednesday of each month, appointments are required. Contact Marguerite Deppert at 201666-4800 ext. 1528 to schedule.
APRIL 25TH
Annie & Chris at The Cornerstone
84 Broadway, Hillsdale | 7:00 PM
Join Annie & Chris for a night of live music at The Cornerstone Restaurant & Bar in Hillsdale this April. Don’t miss this exciting performance, for more information visit bandsintown.com.
