Portfolio Magazine Jan/Feb 2017

Volume 10 • Issue 1

www.PortfolioFlorida.com

THE BEST OF WINTER PARK 161 PALMER AVE $8,490,000

FOUNDERS Steve Healy | Chocky Burks Matt Tomaszewski (L to R)

Give us a call or visit our website to learn more about our exclusive inventory and to search all of Central Florida’s luxury communities.

407-965-1155 | PRPFL.com

OFFERED AT $1,975,000

1.2 Acre lakefront peninsula lot on the butler chain of lakes Over 550 feet of frontage on lake Tibet butler | Amazing sunset views | located in a gated bay hill enclave

407-965-1155 | PRPFL.com

OFFERED AT $1,389,00

Custom estate beautifully sited on a spacious home-site in gated Reserve at Cypress Point in Dr Phillips.

6 Bedrooms, 6 Full and 2 Half Baths | 7,151 Square feet | Spacious outdoor living with pool, spa and summer kitchen

NEW PRICE $1,495,000

European inspired custom estate in Windermere's renowned Lake Butler Sound 5 Bedrooms, 5 Full and 2 Half Baths | 6,295 Square feet | Two story grand entry | Pool, spa and summer kitchen

407-965-1155 | PRPFL.com

OFFERED AT $1,250,000

Exquisite custom estate on close to one acre in Dr Phillips exclusive guard gated Cypress Point 5 Bedrooms, 5 full and 1 half bath | 5,982 Square feet | Game room and theatre| Pool, spa and summer kitchen

OFFERED AT $849,000

Beautifully sited on one acre in Windermere, this custom home offers privacy and elegance 4 Bedrooms, 3 full and 1 half baths | 4,755 Square Feet | Game room | Pool and spa

407-965-1155 | PRPFL.com

OFFERED AT $1,295,000

NEW PRICE $889,970

Bay Hill golf front estate with magnificent views of both the Charger and Championship Courses.

5 Bedrooms, 4 Full and 1 Half Baths | 5,298 Square feet | Spacious outdoor living with pool, spa and summer kitchen

Located in South Bay, and sited on a large home site, this stately custom built home is truly stunning 5 Bedrooms, 4 Full Baths | 4,995 Square feet | Spacious outdoor living with pool, spa and summer kitchen

407-965-1155 | PRPFL.com

OFFERED AT $1,295,000

One of only two remaining lakefront lots in guard gated, Lake Butler Sound. This lot is located off a private cul-de-sac and neighbors two of Windermere's largest estates. Build your dream home and enjoy direct access to Lake Butler.

OFFERED AT $939,900

Brand new tuscan inspired custom home in Windermere's gated enclave Casa del Lago 5 Bedrooms, 4 full and 2 half baths | 3,872 Square feet | Game room | Pool, spa and summer kitchen

CUSTOM LUXURY HOMES elementhomebuilders.com

As a leading custom homebuilder in Central Florida, we’ve built our unparalleled reputation on craftsmanship, quality materials and attentive service every step of the way. Working with Element is not just about building a house. It's about forming a trusted partnership with a dedicated team of professionals who are committed to bringing your vision to life.

EXCLUSIVE SALES & MARKETING BY Contact us today to learn about building your new Element home or purchasing an Element custom home currently under construction.

407-965-1155 | PRPFL.com

407-965-1155 | PRPFL.com

2016 SALES THESE ARE A JUST A FEW OF OUR SOLD LISTINGS IN 2016

SOLD $2,290,000

SOLD $1,900,000

SOLD $1,670,000

SOLD $1,450,000

SOLD $990,0000

SOLD $740,000

407-965-1155 | PRPFL.com

2016 SALES THESE ARE A JUST A FEW OF OUR SOLD LISTINGS IN 2016

SOLD $2,100,000

SOLD $4,675,000

SOLD $2,100,000

SOLD $1,590,000

SOLD $1,125,000

SOLD $919,000

Volume 10 • Issue 1

SVEN J. BODE Publisher Production Manager JONATHAN FRIESE info@portfolioflorida.com Graphic Design ELIZABETH MEJIA design@styletome.com Advertising PORTFOLIO FLORIDA 321.281.4589 Human Resources info@styletome.com

CATHLEEN K. BODE Editor-in-Chief CMO & National Sales SVEN J. BODE sven@styletome.com Executive Sales Director LOUISE KENNEDY louise@orlandostylemag.com Account Executive JONATHAN F. jonathan@styletome.com

PORTFOLIOFLORIDA.COM CIRCULATION & DISTRIBUTION Circulation Manager JOEL D. J.

Published bi-monthly, Portfolio Florida® is a registered Trademark. © Copyrights 2015 by Style Magazines. All rights reserved. Reproduction in whole or in part of any text, photography, or illustration only with written permission of the publisher. Portfolio Florida®, its officers, staff members or writers do not warrant the accuracy of or resume responsibility for any of the material contained herein. Freelance photographers are responsible for their copyrights. All photo materials, letters and text submitted to Portfolio Florida® automatically becomes property of Portfolio Florida®.

Email inquiries to: info@styletome.com Portfolio Florida® is published bi-monthly by Orlando Style Media Group, 8810 Commodity Cir, Ste. 34, Orlando, FL 32819.

POSTMASTER: Send address changes to Portfolio Florida 8810 Commodity Cir, Ste. 34, Orlando, FL 32819.

PRINTED IN THE USA.

Printed on recycled paper.

Please recycle after use.

407.749.0700 | REGALREALTYORLANDO.COM

UNPARALLELED STREET OF DREAMS AWARD WINNING ESTATE. OFFERED FULLY FURNISHED

LOCATED IN DESIRABLE OLDE WINDERMERE, ON THE FAMED BUTLER CHAIN OF LAKES

GRAND 2.4 ACRES IN GUARD GATED ISLE OF OSPREY BUTLER CHAIN ESTATE

OFFERED AT

$4,900,000

5 BD | 5/2 BA | 11,025 SQ.FT | longwood CHRIS CHRISTENSEN | 407.312.8003

OFFERED AT

$3,500,000

5 BD | 5/1 BA | 6,848 SQ.FT | Windermere NORY MELENDEZ | 386.490.0337

OFFERED AT

$6,900,000

7 BD | 10/3 BA | 14,477 SQ.FT | ORLANDO BRUCE ELLIOTT | 407.497.1684

T H E B R A N D T H AT D E F I N E S L U X U R Y R E A L E S TAT E

WORLDWIDE

407.749.0700 | REGALREALTYORLANDO.COM

THIS STUNNING ESTATE SITS ON ALMOST HALF AN ACRE ON ONE OF WINTER PARK’S FINEST STREETS

OFFERED AT

$2,750,000

7 BD | 7/4 BA | 9,757 SQ.FT | Winter Park THOMAS BONNER | 407.401.3748

TRADITIONAL CUSTOM POOL HOME IN DESIRABLE WINDSONG COMMUNITY

OFFERED AT

LAKEFRONT, LIFESTYLE! THIS CUSTOM BUILT 3-STORY 2005 HOME IS TRULY A SIGHT TO BEHOLD

OFFERED AT

$1,055,000

4 BD | 3/1 BA | 3,545 SQ.FT | WINTER PARK JULIE CHRISTENSEN | 407.592.2055

$1,645,000

5 BD | 4/1 BA | 4,721 SQ.FT | Dr. Phillips JULIE CHRISTENSEN | 407.592.2055

T H E B R A N D T H AT D E F I N E S L U X U R Y R E A L E S TAT E

WORLDWIDE

407.749.0700 | REGALREALTYORLANDO.COM

STUNNING VIEWS PROVIDE THE BACKDROP FOR THE GRAND FOYER AS YOU ENTER

OFFERED AT

EXTRAORDINARY ISLEWORTH HOME ON LARGE CONSERVATION LOT

OFFERED AT

LOCATED IN CENTRAL FLORIDA’S MOST PRESTIGIOUS NEIGHBORHOOD ISLEWORTH

$3,495,000

6 BD | 7/2 BA | 8,247 SQ.FT | Butler Chain THOMAS BONNER | 407.401.3748

$1,795,000

4 BD | 5/1 BA | 5,610 SQ.FT | windermere CHRIS CHRISTENSEN | 407.312.8003

OFFERED AT

$1,595,000

5 BD | 5/1 BA | 5,600 SQ.FT | WINDERMERE MARIE HELLEN LEDBETTER | 407.286.4363

T H E B R A N D T H AT D E F I N E S L U X U R Y R E A L E S TAT E

WORLDWIDE

407.749.0700 | REGALREALTYORLANDO.COM

STUNNING CELEBRATION ESTATE HOME WITH RESORT STYLE POOL

OFFERED AT

SIX PRIVATE LUXURY TOWNH0USES LOCATED IN THE HEART OF WINTER PARK

OFFERED AT

ONE OF A KIND BUTLER CHAIN MANSION

OFFERED AT

$2,100,000

5 BD | 5/1 BA | 5,781 SQ.FT | CELEBRATION KIM HAWK | 407.808.9845

$2,144,000

2 BD | 3/2 BA | 3,244 SQ.FT | Winter Park MICHAEL GONICK | 407.383.2563

$4,300,000

5 BD | 6/1 BA | 9,207 SQ.FT | WINDERMERE CHRIS CHRISTENSEN | 407.312.8003

T H E B R A N D T H AT D E F I N E S L U X U R Y R E A L E S TAT E

WORLDWIDE

407.749.0700 | REGALREALTYORLANDO.COM

PRIVATE GATED BUTLER CHAIN LAKE HOME

OFFERED AT

$1,599,000

5 BD | 3/1 BA | 4,321 SQ.FT | Dr. PHILLIPS CHRIS CHRISTENSEN | 407.312.8003

BRAND NEW DISTINCTIVE HOME LOCATED IN THE ESTATE SECTION OF CELEBRATION

OFFERED AT

DRAMATIC WINTER PARK MID CENTURY MODERN MASTERPIECE

OFFERED AT

$2,475,000

4 BD | 5/1 BA | 5,537 SQ.FT | CELEBRATION CHRIS CHRISTENSEN | 407.312.8003

$3,750,000

5 BD | 7/1 BA | 8,410 SQ.FT | WINTER PARK THOMAS BONNER | 407.401.3748

T H E B R A N D T H AT D E F I N E S L U X U R Y R E A L E S TAT E

WORLDWIDE

407.749.0700 | REGALREALTYORLANDO.COM

LIVE LIKE ROYALTY IN THIS ITALIAN-INSPIRED OASIS

OFFERED AT

$1,699,000

5 BD | 5/0 BA | 4,978 SQ.FT | Bella Collina LEE YI | 407.312.4690

LUXURY AND OPULENCE RESONATE THROUGHOUT THIS EXQUISITE MEDITERRANEAN ESTATE

OFFERED AT

CUSTOM BUILT MEDITERRANEAN STYLE HOME IN CELEBRATIONS DESIRED ARTISAN PARK

OFFERED AT

$2,079,999

5 BD | 5/2 BA | 8,001 SQ.FT | Lake Butler MARIE LEDBETTER | 407.286.4363

$1,649,000

5 BD | 6/0 BA | 5,958 SQ.FT | CELEBRATION NADIA EGGERS | 407.247.0906

T H E B R A N D T H AT D E F I N E S L U X U R Y R E A L E S TAT E

WORLDWIDE

407.749.0700 | REGALREALTYORLANDO.COM

PRIVATE GATED ENCLAVE ON THE BUTLER CHAIN

OFFERED AT

PRIVATE GATED ESTATE ON MILLIONAIRES ROW IN DR. PHILLIPS

OFFERED AT

BEAUTIFUL HOME, LOCATED IN THE DESIRABLE GUARD - GATED LAKE BUTLER SOUND

OFFERED AT

$1,795,000

6 BD | 6 BA | 5,844 SQ.FT | DR. PHILLIPS CHRIS CHRISTENSEN | 407.312.8003

$1,890,000

6 BD | 5 BA | 6,857 SQ.FT | DR. PHILLIPS ROBIN BOCUSE | 407.924.2466

$1,890,000

4 BD | 5/1 BA | 5,388 SQ.FT | Lake Butler JULIE CHRISTENSEN | 407.592.2055

T H E B R A N D T H AT D E F I N E S L U X U R Y R E A L E S TAT E

WORLDWIDE

407.749.0700 | REGALREALTYORLANDO.COM

SOUTH BEACH ISLEWORTH LAKE FRONT MASTERPIECE

ELEGANT EQUESTRIAN ESTATE NEAR CENTRAL FLORIDA COMMUNITIES OF LAKE JEM AND MOUNT DORA

EXQUISITE GOLF FRONT FRENCH COUNTRY

OFFERED AT

$2,999,000

4 BD | 4/2 BA | 6,605 SQ.FT | WINDERMERE MICHAEL GONICK | 407.383.2563

OFFERED AT

$5,000,000

3 BD | 3/2 BA | 4,742 SQ.FT | lake county LAURA CRAWFORD | 352.636.3095

OFFERED AT

$1,899,000

4 BD | 7 BA | 6,391 SQ.FT | CELEBRATION CHRIS CHRISTENSEN | 407.312.8003

T H E B R A N D T H AT D E F I N E S L U X U R Y R E A L E S TAT E

WORLDWIDE

SPOTLIGHT ON THE LAW Special Promotional Feature

YOUR HOME IS YOUR CASTLE DON’T LET THE IRS TAKE IT

that is compounded daily. Therefore, the addition of these penalties becomes even more severe because the amount of these penalties is then subject to the compounded daily interest rate applied by the IRS on unpaid tax, interest and penalties. If the IRS believes that the failure to file penalty is due to fraud, it can impose a 15% penalty per month up to a total of 75%.

The willful failure to timely file the US income tax return can subject the person to criminal prosecution. The penalty is a maximum of one year in prison. Each year that the tax return is not timely filed constitutes a separate crime. Therefore, as example, the person who is convicted of willfully failing to timely file tax returns for three years can be sentenced to three years in federal prison; this is what happened to Wesley Snipes.

A person’s home may also be adversely impacted by not paying income tax. One of the ways that the IRS seeks to insure payment includes filing of a tax lien that becomes a lien against the home.

The IRS has the power to sell a home despite the Florida homestead protection. The filing of a tax lien is common, but selling a person’s home to satisfy a tax liability occurs in limited cases. It is, however, devastating for the few who find themselves in that position.

The possibility of criminal prosecution for willfully failing to timely file tax returns increases significantly for those who have failed to file US tax returns for several years. I’ve represented many people over the years who found themselves in a bad position with the IRS because they failed to file one year and then were afraid to file their tax returns in subsequent years. There is hope for those people who find themselves in this situation; you must proceed carefully with the help of an experienced criminal defense lawyer.

By Mark L. Horwitz | Criminal Defense Attorney It is the beginning of a new year and it is time to think about filing your US income tax return and paying the income tax that might be due. The failure to timely file a tax return can have significant civil as well as criminal penalties.

Civil penalties for not filing tax returns are geared towards the amount of unpaid tax. If a person files late and pays the taxes late, there are two separate civil penalties.

For the first month that the tax return is late a penalty of 5% of the unpaid tax is imposed. Thereafter, an additional 5% is added every month to a maximum of 25%. A second penalty is called a failure to pay penalty and adds 0.5% of the unpaid tax per month up to a total of 25%. In addition to these two penalties for late filing and late paying it should be remembered that the IRS also charges interest

22 PORTFOLIOFLORIDACOM

Law Offices of Mark L. Horwitz, P.A. 17 East Pine St.Orlando, FL 32801 P: 407-843-7733 • F: 407-849-1321 mark@mlhorwitzlaw.com www.mlhorwitzlaw.com

LIVING ‘N STYLE

LUXURY DECOR

NEIMAN MARCUS DOMINIC FIREPLACE SCREEN

SWAROVSKI CRYSTORAMA FILMORE 10-LIGHT SWAROVSKI BRONZE CHANDELIER

This firescreen is handcrafted of iron and handpainted silver-leaf finish. Open geometric frame; no mesh backing. For use with gas or wood logs. $450 / Available at Neiman Marcus

DIPTYQUE BAIES COLORED CANDLE

The classic Baies scent presented in a black tinted hand blown glass container. Baies recalls a bouquet of roses and blackcurrant leaves, a companion to diptyque eau de toilette, L'ombre dans l'Eau.

Clear Hand Cut Crystal Chandelier Grace never goes out of style. Filmore is a collection designed for today, tomorrow and everyday. It features modern handpainted finishes, graceful lines and updated crystal shape. This collection takes the notion of Maria Theresa chandeliers beyond traditional into the transitional.

$90 / Available at Bloomingdales

$4,500 Available at www.horchow.com

MARY JUREK ORION ROUND SERVING TRAY

Rustic elegance is served along with this Mary Jurek round serving tray—smooth buffalo handles are as easy to hold as they are stunning to behold—truly a striking serving tray;18/8 Stainless Steel & Hand Carved Buffalo Horn $410 / Available at www.maryjurekdesign.com

MICHAEL ARAM BLACK ORCHID WINE REST

JONATHAN ADLER GREEK-KEY ALPACA THROW

Striking black elements lend dramatic appeal to Michael Aram’s sculptural botanical collection.

Each piece is decorated with blooming orchid designs rendered in fine, delicate detail.

Hand-loomed baby alpaca throws have become an instant decorating classic. Chic and classique patterns are interpreted

by Peruvian artisans using the finest threads. Baby alpaca is so today, cashmere is so yesterday.

$120 / Available at Bloomingdales

$350 / Available at Neiman Marcus

24 PORTFOLIOFLORIDACOM

2017 S550 Cabriolet

SOMETHING EXTRAORDINARY Has Arrived At Mercedes-Benz Of South Orlando.

Reward Yourself Today.

MBSO VIP REWARDS PROGRAM ...Standard On Every Vehicle.

Mercedes-Benz of South Orlando

You’ll Always Be Treated Like a

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1.800.NEW.MERCEDES | 4301 Millenia Blvd., Orlando, FL | MBSO.com

REAL ESTATE SPOTLIGHT Special Promotional Feature

“A HIGH POWERED MORTGAGE COMPANY WITH A HOMETOWN FEEL” Susie Carlton has worked as a Mortgage Banker in the Central Florida area for more than 23 years. She and her team have helped fulfill the dream of homeownership for thousands of customers. Her dedication to her customers and professional peers, knowledge of finance, and commitment to qualify service make the home buying process as smooth and hassle free as possible for her clients. Superior knowledge of a large variety of loan products place her among the most respected mortgage professionals.

Susie’s expertise is showcased through her affiliation with Element Funding, a privately held residential mortgage company.

Element Funding is NOT a mortgage broker. They are mortgage bankers who utilize a correspondent lender platform. With the processing, underwriting, closing, and funding loans in their own name, this makes for a more streamline process. The loan is handled internally from start to finish.

ELEMENT FUNDING SUSIE CARLTON 5401 S. Kirkman Rd, Ste. 490 Orlando, FL 32819 | P: 407-367-5574 | F: 407-9827182 scarlton@elementfunding.com | www.elementfunding.com/scarlton | NMLS# 344354

Element Funding’s motto is that they are “a high powered mortgage company with a hometown feel”. You can feel this when you walk in to their office, as they want you to feel right at home. Element Funding has branches throughout the Southeast.

Element Funding is a division of Primary Residential Mortgage Inc. which is licensed in 49 states.Through PRMI, Susie is able to provide a wide array of product options working with multiple investors, while keeping the loan process in-house.

Originally from Ohio, Susie graduated from Miami University in Oxford, Ohio. She has resided in the Orlando area for more than 30 years, and is very active in the community. Throughout her professional career, Susie has been the recipient of numerous mortgage banking awards for top sales performance and leadership. Susie also is a graduate of Leadership Orlando, and Lifework’s Leadership, and is a current member of Florida Executive Women, where she’s served in various positions and was President in 2013. She was the 2015 Co-chair of the Shepherd’s Hope Famous Faces Ball, a large fundraising event in October that raises money to provide healthcare to the underinsured and uninsured in our community. She’s also assisted with fundraising/charitable events for Christian Help, The Pediatric Cancer Foundation, Quest Group Homes, and The American Heart Association.

Element Funding provides financing for residential home purchases and refinances. Among their products, they offer Conventional, FHA, VA, USDA, and Jumbo home financing.

PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice and are subject to borrower qualification.

Florida Office of Financial Regulation MLD646

26 PORTFOLIOFLORIDACOM

SPOTLIGHT

Special Promotional Feature

HAVE THE “FINANCIAL TALK” WITH YOUR PARENTS TODAY DENISE KOVACH, CFP®, AIF®, NSSA®

documents up-to-date? Other records to look for include birth, death and marriage certificates, divorce papers, adoption papers, deeds, and titles.

Do they own a safe or do they rent a safe deposit box?

Make sure you know where the combination and/or keys are located, and in the case of a safe deposit box, are you a signer in order to get access?

Ask them about any digital information, such as websites, user names and passwords. Make a list. Understand their budget and where their money is going. If necessary, set things up so they are automatically paid.

Also make a list of their financial accounts and where they are held. Are the accounts titled correctly, such as in the name of a trust? Is the beneficiary information up-to-date? If necessary, consolidate accounts to simplify things.

Photo by Brion Price Our aging population is growing rapidly. According to the Administration on Aging, people age 65 and older numbered 39.6 million in 2009. That’s about one in every eight Americans. It is projected that by 2030, there will be about 72.1 million over the age of 65.

With age-related issues such as worsening eyesight, physical deterioration, dementia, and Alzheimer’s, keeping track of your retirement nest egg and monthly bills can become challenging. Statistics have shown that the cognitively impaired make more financial errors than those who are not cognitively impaired.

And the impairment not only affects the ability to pay bills, it allows one to become easier prey for con artists and scammers who would cheat the elderly out of their money.

According to a Fidelity Investments survey, having conversations with your aging parents

has a positive effect on them. Peace of mind jumped from 61% to 91% when comparing parents who had not had detailed conversations with their children compared to those who have. And, it’s a good time to do so sooner rather than later… get involved before their health and mental state requires you to. Helping is much more difficult after a crisis.

Make a list of all insurance policies (health, life, homeowners, auto, etc.) and where they are located. Do they have long term care insurance? If not, is it appropriate?

Make a list of their accountants, lawyers, financial advisors, bankers and insurance advisors and how they can be contacted.

Becoming a parent to your parents is not easy, but it is essential to get things in order. And, get your own affairs in order… don’t leave a mess for your kids to clean up!

Contact me to obtain your own copy of our Financial Organizer, designed especially to assist you with this process. Use it for your parents or use it for yourself !

But if not, you’ll need to look for signs that your parents need help, because it is highly unlikely that they will tell you. Have a dialogue with them, but be sensitive and respectful of their situation; it’s very frustrating and disappointing for them to lose their independence.

Get to know where your parent’s important documents are located and make sure you have access to them. These items include trusts, living wills, and durable powers of attorney (for finance and health care). Are these

Certified Financial Group, Inc. 1111 Douglas Avenue Altamonte Springs, FL 32714 407.869.9800 FinancialGroup.com

Denise is a Certified Financial Planner™ professional (CFP®), Accredited Investment Fiduciary (AIF®) and National Social Security Advisor (NSSA®) with Certified Advisory Corp, an affiliate of Certified Financial Group (“CFG”). CFG has been in central Florida for more than 30 years and is one of the largest independent financial planning firms in the state. With over 250 years of combined planning experience, Denise and her colleagues have a vast wealth of professional knowledge. When working with Denise, you will obtain a clear picture of your current financial status, a prioritized list of your most important financial goals, investment strategies to potentially help you reach your goals, and well-defined action steps to take, now and in the future. Through Certified Advisory Corp, she acts as a fiduciary for her clients while providing high quality, fee-only asset management services free of any conflicts of interest (there are no “proprietary” products). She has her clients’ best interests at heart and strives to provide the best possible service. CFG is CEFEX (Center for Fiduciary Excellence) certified. CEFEX awards its certification to firms that meet the highest standards of fiduciary excellence in their investment management, governance and operational processes. CEFEX certification is a formal, independent recognition demonstrating trustworthiness to the general investing public. For your complementary consultation with Denise, call 407.869.9800. Certified Advisory Corp offers Fee-Only Planning and Asset Management. Certified Financial Planner Board of Standards Inc. owns the certification Certified Financial Planner™.

28 PORTFOLIOFLORIDACOM

Estate Lot on Lake Osceola Largest Available Lakefront Lot In Winter Park | 570 Seminole Drive | 2.25 Acres Winter Park Chain of Lakes | Walking Distance to Park Ave | $6,900,000

Call or Email for More Details

Julie Bettosini Co-Founder | Concierge Realty Advisor jbettosini@stockworth.com | 321.689.9594 | www.stockworth.com