Fairfield County Business Journal: 060319

JUNE 3, 2019 VOL. 55, No. 22

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An indoor marijuana grow room. As a controlled environment, a grow room has to have the right climate inside to make sure that the plants grow and thrive as naturally as possible.

Powerful pot pricing

INSIDE PAGE

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TOLL WARS

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JPMORGAN DROPS PURDUE PHARMA

STAMFORD’S CANNABIS BENCHMARKS CULTIVATES COMMODITY PRICING DATA FOR MARIJUANA

BY KEVIN ZIMMERMAN kzimmerman@westfairinc.com

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t’s no secret that the recreational marijuana industry is continuing to legitimize as more states look into legalizing adult use of its many variants. And a Stamford company is doing its part by treating marijuana as any other commodity — one that requires comprehensive wholesale spot and forward price assessments.

Launched in 2015,

Cannabis Benchmarks seeks to bring transparency and efficiency to cultivators, dispensaries, investors, traders and other cannabis market participants through validated production cost data and standardized wholesale price benchmarks.

One might think the firm, headquartered at 1177 High Ridge Road, began as the pipe dream of a bunch of scruffy college students with too much time on their hands. But that is hardly the case as CEO Jonathan

Rubin’s background includes five years at S&P Global Platts, the provider of energy and commodities information and a source of benchmark price assessments in the physical energy markets, and another fiveplus years as founder and principal of Rubin Energy Advisory, providing consulting services on an array of energy industry issues.

CFO and general counsel Ian Laird — co-founder with Rubin of Benchmarks parent New Leaf Data Services — was a co-founder and partner at merchant banking firm American Working Capital, while several of the company’s other employees also have backgrounds in the commodity data space.

Ad a m Koh , » » CANNABIS

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Peter Verlezza. Photo by Sebastián Flores.

MEDICAL PROFESSIONALS WARNED ABOUT CYBERCRIME

BY GLENN J. KALINOSKI AND PETER KATZ gkalinoski@westfairinc.com pkatz@westfairinc.com

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he medical profession needs to be concerned about receiving a diagnosis that a computer system has been hacked and reams of information stolen, according to the keynote speaker at Westfair Communications’ Fairfield County Doctors of Distinction event held May 23 at the Italian Center in

Stamford.

The speaker was Peter Verlezza, managing partner of SMB Networks, LLC in Hamden. He warned the guests that as medicine becomes deeply involved with computer technology, ranging from increasingly comprehensive databases of patient information and medical histories to medical devices controlled via the internet, the privilege of using technology brings with it the responsibility of protecting yourself. “Don’t » » DOCTORS

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Faces & Places Norwalk Symphony gala celebrates 80 years

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he Norwalk Symphony Orchestra celebrated 80 years of bringing outstanding music to Norwalk with a gala May 9 at Shorehaven Golf Club, exactly 80 years to the date of its first concert in 1939. Forte Awards for Distinguished Contributions to Music were presented to the Brubeck family, represented

by Chris and Tish Brubeck, and Eugenia Zukerman, for their musical careers. In order to qualify, the individuals must have performed with the Norwalk Symphony.

Gala guests were treated to a trip down memory lane that included a video celebrating many famous music directors and soloists who began their careers with the Norwalk Symphony.

1. From left: Susan G. Weinberger, the president of Mentor Consulting Group; and Sandra J. Miklave, executive director of the Norwalk Symphony Orchestra.

2. From left: James McNutt; Wallace Frey; Mike Mushak and David Westmoreland of Tuliptree Site Design, Inc. 3. Norwalk Mayor Harry Rilling and wife Lucia Rilling.

4. From left: Dr. Richard Epstein, second bassoonist in the orchestra and wife Ina Chadwick with Jennifer Bangser, the director of strategic community partnerships for the Westport Library with husband Dan Bangser, director of North America, Investment Promotion for the Swiss Business Hub, USA. 5. Eugenia Zukerman, flutist and former CBS TV News Sunday Morning Arts Correspondent and Forte Award winner with husband Dick Novik.

6. From left: Susan Goldman, an attorney at Gregory & Adams; Chris Brubeck, a Forte Award winner; Nancy Romberg, a vice president at Fairfield County Bank; Arnie Heogler, a partner at VenSource Capital; Suzanne Fandel, COO at Rogers McCagg Architects; John Cutrone, musician; Tish Brubeck; and Christina Bodine, a vice president at Fairfield County Bank.

7. From left: Stephanie Baum and Winthrop Baum, founder of WEB Realty Company, as well as Terri Bell and Christopher D. Bell, managing director of Horizon Kinetics.

8. Maestro Jonathan Yates, Norwalk Symphony Orchestra’s music director and conductor.

9. The Norwalk Symphony Orchestra string quartet. From left: Emanouil Manolov and Nina Crothers, violin; Joseph Dermody, viola; and Chungsun Kim, cello.

10. Norwalk attorney Lawrence F. Cafero Jr.

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JUNE 3, 2019

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With battle of tolls raging, business associations choose opposite sides

BY KEVIN ZIMMERMAN kzimmerman@westfairinc.com

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he fight over whether tolls will reappear on Connecticut’s highways continues to divide state legislators, mostly on party lines. Democrats, including Gov. Ned Lamont, are for them, while Republicans remain against them.

But the issue has also put a pair of Connecticut’s major business associations, the Connecticut Business and Industry Association and the Business Council of Fairfield County, at loggerheads, an unusual development as the two groups are usually in accord when it comes to how the business climate can be improved.

“Transportation has and continues to be a key strategic component of a vibrant, growing economy,” acknowledged the CBIA board of directors in a policy statement.

“Connecticut’s economy has been hamstrung by a lack of infrastructure investment over the last several decades, leading to an antiquated transportation system that

restrains, rather than supports, economic growth.”

However, the board said, the state’s chronic short-and long-term fiscal problems, as evidenced by current and projected budget deficits, “outweigh any of the other factors inhibiting economic and job growth in Connecticut, including infrastructure funding.”

While the CBIA acknowledges that the General Assembly needs to find ways to fund improvements to transportation, “we cannot support highway tolls as one of those funding mechanisms.”

The reasoning behind the CBIA’s declaration includes what it sees as higher priorities, including “fixed costs,” a reference to the 2017 agreement that then-Gov. Dannel Malloy negotiated with the State Employee Bargaining Agent Coalition (SEBAC), which extended state employee benefits through 2027. Lamont and the Legislature are constrained from making any reforms to state employee pensions or retirement health benefits without SEBAC approval for the eight years remaining on that contract.

Then there is Lamont’s budget, which proposes freezing the transfer of vehicle sales tax revenue away from the Special Transportation Fund and to the General Fund.

In February, The Yankee Institute said such a move would essentially bankrupt the STF by 2022.

“Whereas the STF was projected to have a surplus and increase revenue by $300 million over the next three years, according to budget projections by the Office of Fiscal Analysis and the Office of Policy and Management, the governor’s budget shortchanges the STF by $1.19 billion over the next five years,” according to the Institute.

The sales tax transfer from the General Fund to the STF was scheduled to be phased in from 8% of car sales tax revenue to 100% by 2024.

Raiding the STF to address budget shortfalls has become something of a regular practice in recent years. Between 2011 and 2018, the Legislature skimmed some $650 million from the STF. As for the “Transportation Lock Box” passed last year by voters, it only protects

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WHAT MATTERS.

revenue already in the STF, not such transfers as the sales tax.

On the other side of the divide is the Business Council of Fairfield County, whose president and CEO Chris Bruhl is calling for the General Assembly to finalize legislative language. “Once adopted, we look forward to participating in a transparent implementation planning process and expect to remain vigilant to assure that funds intended for transportation reach their destination,” Bruhl said in a statement.

“Adopting toll legislation in this session,” he continued, “will start the implementation process by permitting the finalization of the technical deployment plan, the development of a ‘residents first’ system of discounts and the prioritization and efficient implementation of safety, state of good repair, and new capacity projects.

“Critically,” Bruhl added, “it will also start the process of sharing the costs with non resident vehicles, putting us on an even footing with our neighboring states.”

Connecticut is the only state in

the area not to have highway tolls.

Lamont’s proposal maintains that 40% of the estimated $800 million in annual toll revenue would come from out-of-state drivers.

Going unaddressed by either group was the Republicans’ “Prioritize Progress” plan. That proposal bypasses tolls entirely, calling instead for $684.6 million to $863 million of annual bonding over the next nine years for transportation projects, along with the continuation of Special Tax Obligation bonds for the regular Department of Transportation capital program and a hard cap of $2 billion on annual general obligation bonds.

The Motor Transport Association of Connecticut remains unconvinced that tolls would be a net positive. It estimates that tolls would cost their companies some $500,000 per year, an amount it says would be passed on to consumers.

The tolls issue was booted from the General Assembly’s regular session. A special session will take place shortly after the regular session concludes.

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Report: JPMorgan cuts ties with OxyContin maker Purdue Pharma

BY PAUL SCHOTT

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PMorgan Chase & Co., the country’s largest bank by assets, has reportedly cut ties with Purdue Pharma, making it the latest major organization to distance itself from the OxyContin maker in response to hundreds of lawsuits alleging that the firm has fueled the opioid crisis with deceptive marketing of its pain drugs.

The bank had handled cash and bill payments for Purdue, but it decided to sever the relationship in light of the “reputational risks” stemming from the controversy surrounding the company, according to unnamed sources cited by Reuters. JPMorgan purportedly told Purdue in March that it had six months to find another bank. The firm responded by recruiting the Dallas-based Comerica for the same role.

In a statement, Purdue neither confirmed nor

denied the demise of its business relationship with JPMorgan, which was not one of its lenders.

“Purdue is a streamlined organization with an exciting pipeline of new medicines and significant cash reserves,” the statement said. “The company has multiple banking relationships and will not have any interruption to its banking and financial service needs.”

Messages left for JPMorgan and Comerica were not immediately returned.

In recent months, JPMorgan has faced growing scrutiny of its business practices. Environmental activists rallied outside its building in Chicago and briefly disrupted its annual meeting there to protest its financing of fossil-fuel projects.

At the same time, the proliferation of litigation — including a lawsuit filed by Connecticut — has prompted a mounting number of nonprofits and businesses to suspend their dealings with

Protesters recently placed a colossal steel spoon singed to symbolize burnt heroin in front of the Stamford headquarters of Purdue Pharma. Photo

by Barry Lytton / Hearst Connecticut Media.

Purdue.

The Metropolitan Museum of Art announced that it would not accept new donations from the Sackler family. Eight of the Sacklers own Purdue and are named in lawsuits filed by Connecticut and many other states and cities.

The same day as the

Met’s announcement, the American Museum of Natural History said it would not take more Sackler donations.

In March, the Solomon R. Guggenheim Museum and the United Kingdom’s National Portrait Gallery and Tate galleries said they would not accept additional

Sackler donations.

Alongside JPMorgan, other for-profit organizations have rethought their relationships.

Stamfordbased hedge fund Hildene Capital Management told investment entities of Sackler family members late last year that the firm was no longer comfortable manag-

ing their money.

At the same time, Connecticut-based beneficiaries of the Sacklers — including the University of Connecticut, Yale University, Greenwich Hospital and Stamford’s Palace Theater — have not severed their relationships.

“Returning the money to the Sacklers would not undo the damage of the opioid crisis or punish the family or the company they are associated with,” a UConn spokeswoman said earlier this year.

“Rather, it would hamper the work of UConn students and researchers who have no connection to the issues at hand and have done nothing wrong.”

Purdue has admitted to exploring bankruptcy in recent months. But such a move does not appear imminent.

Paul Schott is a staff reporter with Hearst Connecticut Media. He can be reached at pschott@ stamfordadvocate.com or 203-964-2236.

NY AG: Settlement of opioid lawsuit may be on the horizon

BY PETER KATZ pkatz@westfairinc.com

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iscussions are underway regarding a possible settlement of the lawsuit filed

by New York State Attorney General Letitia James related to the opioid crisis, she said in White Plains on May 23. James appeared at the Annual Westchester Government Relations Legislative Brea k fast wh ich was presented by the UJA- Federation of New York in Westchester and the Westchester Jewish Council. The event was held at Temple Israel Center.

About three dozen states have filed lawsuits alleging that pharmaceutical companies and manufacturers have profited from the opioid crisis, which in 2017

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resulted in about 49,000 deaths in the U.S., according to government statistics. James’ office reported that the number of opioid deaths in New York during 2017 was 3,200.

“We are beginning to engage in discussions with the individuals who are responsible for this crisis,” James said. She added that attorneys general from across the nation were planning to meet during the first week in June to discuss the possibility of a settlement. “In the event that we do settle this litigation, the purpose of settling is to establish a fund to address prevention, diversion, treatment and programs that currently exist all throughout the state, providing them with resources.”

OxyContin manufacturer Purdue Pharma recently reached a $270

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million settlement with the state of Oklahoma, thus avoiding a trial regarding a lawsuit that state had filed. The New York lawsuit was recently amended to name: Purdue Pharma and its affiliates; members of the Sackler Family, Purdue’s owner, and the trusts they control; Janssen Pharmaceuticals and its affiliates, including parent company Johnson & Johnson; Mallinckrodt LLC and its affiliates; Endo Health Solutions and its affiliates; Teva Pharmaceuticals USA, Inc. and its affiliates; and Allergan Finance, LLC and its affiliates. The distributors named in New York’s lawsuit are: McKesson Corporation; Cardinal Health Inc.; Amerisource Bergen Drug Corporation; and Rochester Drug Cooperative Inc. James told

the Business Journal that the negotiations are taking place on a multistate level.

“Nineteen individuals die every day in New York state and it is critically important that attorneys general all across this nation, as we band together, seek some sort of recourse for those families that are struggling and those individuals that are suffering each and every day,” she said.

The complaint alleges that New York has been especially hard hit by the opioid crisis because of the fraud, willful misconduct and gross negligence of the distributors who buy bulk quantities of the controlled substances and then sell them to pharmacies and other licensed dispensers.

The lawsuit alleges that the manufacturers and distributors falsely represented that they had complied

with state requirements regarding distribution of the drugs when they applied for state licenses. James said the opioid crisis has been affecting all 62 counties in New York state. “It knows no race, no ethnicity. It knows no economic category. It’s affecting all of us as New Yorkers, and so those individuals who are responsible for this need to be held accountable,” she told the Business Journal. “We found that pharmaceutical manufacturers and distributors engaged in years of deceptive marketing about the risks of opioids and failed to exercise their basic duty to report suspicious behavior, leading to the crisis we are living with today.”

James said, “There was no monitoring and no accountability with respect to the diversion of opioids into the general market and

so it’s really critically important that we provide some recourse to individuals who are struggling and we prevent it from spreading even further in or out of state.”

James told the Business Journal that just because her office has pulled no punches when it comes to filing lawsuits against big pharma, examining practices of various entities owned by President Donald Trump or taking other high-profile actions, her office holds the business sector in high regard. “We recognize that small businesses are the anchor of our economy,” she said. “All that we say and all that we ask — the Office of Attorney General is the people’s attorney — we ask all businesses not to engage in any illegal or predatory or deceptive business practices that harm New Yorkers or consumers.”

$15 minimum wage has some businesses looking to leave Connecticut

BY KEVIN ZIMMERMAN

Citrin Cooperman Corner What Will Your Physician Practice Look Like in 5 years?

BY BLAKE SPINA PARTNER, CPA AND JOHN P. BRYAN, PARTNER, CPA, CGMA

kzimmerman@westfairinc.com

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hen Gov. Ned Lamont signed the minimum wage bill into law on May 28, he was surrounded by cheering supporters, including State Sen. Julie Kushner (D-Danbury), a co-chair of the state Labor and Public Employees Committee, as well as other legislators, business leaders and workers.

But not everyone is pleased as the hourly rate will go from the current $10.10 to $11 on Oct. 1; $12 on Sept. 1, 2020; $13 on Aug. 1, 2021; $14 on July 1, 2022; and $15 on June 1, 2023.

Further wage increases are to be indexed to the federal employment cost index.

A Waterbury medical device manufacturer, Forum Plastics LLC, made headlines even before Lamont got the bill by saying that the $15 rate would cost it roughly $1.2 million. Job cuts are expected to take place over the next six months. Remaining employees are girding to pay more for their health insurance and the firm has threatened to relocate out of state some time in the next four years.

“We’ve had a couple of conversations with other private companies that have said they’ll probably close up shop, or keep their headquarters here but move their operations to other places,” Connecticut Business and Industry Association Vice President, Government Affairs Eric Gjede told the Business Journal. “I think we can expect more and more headlines like that in the coming weeks.”

Using Congressional budget office data, the fiscally conservative Washington, D.C., think tank Employment Policies Institute in January estimated that a $15 minimum wage would cost the state approximately 15,531 jobs by 2020, and that doing the same at the national level, where the minimum has been $7.25 since 2009, would cost roughly 2 million jobs.

Gov. Ned Lamont signs the minimun wage bill into law.

Gjede predicted that youth employment will take a downturn because of the $15 rate as fewer companies will be willing to pay that much to train new workers who may not stay with that particular job for long.

High turnover rates at jobs paying the minimum wage are not unusual. According to a report by research firm Work Institute, some 42 million employees (at all wage levels) were expected to leave their jobs last year, with employers paying $600 billion in turnover costs.

One such company is Danbury’s Benay Enterprises, which provides back-office administrative management and bookkeeping services for companies nationwide.

“It will make it tougher for me to hire people,” Benay President Dawn ReshenDoty said. “I pay 100% of my employees’ health insurance and have a matching IRA program. I’m going to have to take a deeper dive into those costs going forward. At least it’s going up gradually, so we can at least do some planning for it. It would have been catastrophic if it went straight to $15.”

On the employee side, Reshen-Doty said the increase “looks really great.

It’s hard to live in Fairfield County when you can’t bring in more than $16,000 to $18,000 a year, plus the cost of insurance.

“But as an employer,” she continued, “it makes my costs go up and I can’t just pass them on to my clients.

They’ll just say, ‘That’s your

problem. It has nothing to do with the services you’re providing us.’ ” Reshen-Doty indicated that she may have to move Benay out of Connecticut.

“It’s possible,” she said. “Our business is growing — but I’m not sure if it’s going to continue to do so in Connecticut.”

Joe McGee, vice president, public policy and programs at the Business Council of Fairfield County, said he doubted the hourly increase would have much of an impact on its members, who for the most part are larger companies, not the restaurants, retailers and other smaller businesses that typically pay minimum wage.

“What the state is doing with minimum wage has a minimal effect on our membership,” McGee said. “But for smaller businesses working on tighter margins, it could be different.”

As for possible links between minimum wage increases and the job market, McGee said he was unconvinced.

The Connecticut Department of Labor and Connecticut Voices for Children estimate the increases will raise wages for approximately 130,000 workers this year and more than half a million by 2024.

Connecticut is the seventh state — along with New York, Massachusetts, Maryland, California, Illinois and New Jersey, and Washington, D.C., — to pass a law requiring a $15 minimum wage to be in place by 2025 at the latest.

BLAKE SPINA AND JOHN P. BRYAN

• Will you remain independent?

• Will you merge with a hospital-supported physician group?

• Will you merge with a larger practice?

• Will you sell to private equity?

You and your partners have built a successful medical practice that has served you well in the past; however, you may be considering whether your current model will continue to be successful in the future. Do you have the capital needed to invest in technology, infrastructure and ancillary services? Do you have the data needed to efficiently bill and collect your patient revenue and analyze the productivity of your employed providers?

We will explore the characteristics of a couple of options, including a merger/sale to a larger group or hospital system and a sale to a private equity (“PE”) group.

MERGER/SALE TO A HEALTH SYSTEM OR LARGE GROUP PRACTICE Generally, a merger would be an “upstream” transaction of a smaller practice joining a larger practice or a hospital/health system.

In all cases, there will be some loss of autonomy, increased accountability for performance of individual physicians and more oversight of day-to-day operations and expenditures. You will experience relief of many administrative responsibilities, a more efficient use of clinical and non-clinical resources (labor and supplies) and improved physician production. Another benefit will be additional resources and talent to build or expand ancillary services to enhance the profitability of the practice.

The practice profile will depend on whether the merger happens with an integrated practice or a more divisional type of arrangement. In single specialty groups, an integrated group practice is more common. In an integrated practice arrangement, your existing group will cease to exist in a relatively short period. The physicians will identify as partners in the merged group, and office operations will follow a common set of rules and procedures so that patients will have the same experience walking into any office within the practice. Compensation for individual partners would generally be determined under a common income allocation formula.

Divisional mergers are more common in multispecialty groups and allow more autonomy for the joining practices. Divisions would, in many cases, separately compute net income, which would then be shared among the division partners in a regulatory-compliant manner.

Common practice overhead for billing expenses, and practice management salaries and benefits would be allocated to the divisions under an agreed-upon formula.

When a practice merges with another practice or health system, the purchase price will be substantially less than in a PE transaction. In some cases, there won’t be any upfront purchase price, only the promise of increased profits based on more efficient operations, enhanced services and better payor contracts. The merging group is trading off the upfront payment for

increased individual partner compensation. As described below, in a PE transaction, the selling partners will see a reduction in their annual compensation, offset to some extent by a higher purchase price, and future profit opportunities in the management company created as part of the PE transaction structure.

In a merger into a hospital system, the hospital will create a “captive PC” that will employ the physicians. Be aware that even the former partners of the old practice will be employees in the hospital’s physician practice entity.

Additionally, ancillary services (and profits) are provided by the hospital. In a merger into a larger private practice, the ancillary services (and profits) would remain in the practice.

SALE TO PRIVATE EQUITY Unlike when a physician practice sells to a hospital or a larger group practice, selling to private equity often allows physicians to retain ownership and a certain degree of autonomy that an independent and entrepreneurial physician is accustomed to. PE involves a sale transaction that is not constrained by fair market value scrutiny required of hospitals and health systems.

PE investors are interested in a practice’s current and future cash flow. A PE investor will only be successful if a practice can significantly increase cash flow through expansion and improvement of non-clinical efficiencies. In a sale to a PE investor, the physician practice entity stays in place and continues to be owned by one or more of the original partners, since in many states (including New York), the corporate practice of medicine prohibits non-physicians from owning a medical practice. The PE investor will also form a management services organization (“MSO”) that will contract to provide all nonclinical services to the practice, such as billing, management, non-clinical labor, etc. These services are delineated in a management services agreement (“MSA”) between the practice and the MSO. It is important that the contracted fees for these services meet fair market value standards to avoid regulatory issues. Generally, PE investors will value and pay a multiple of normalized earnings before interest, taxes, depreciation and amortization (“EBITDA”) for a practice. EBITDA represents the net free cash flow of a practice. The sale price is typically allocated between an up-front cash payment and an equity investment in the MSO. Post-acquisition, the PE financial sponsor and the physicians will own the MSO. In addition, after acquisition of the practice, physician compensation will be reduced to a fair market level, which will provide the cash flow required for the MSO management fee and simultaneously build value in the MSO. Additionally, unlike a sale to a hospital or a larger group practice, physicians, through their equity ownership in the MSO, can continue to participate in the upside of additional sales transactions when the PE investor sells the MSO. A “second bite of the apple” typically occurs within five years of a private equity fund’s initial investment.

Typically, the PE investor will be interested in building an initial platform around a single specialty or multi-specialty group with significant ancillary revenue source opportunities, such as oncology and hematology, orthopedics or gastroenterology. After the initial transaction, the newly formed entity will look to acquire other smaller practices to continue to build scale. Those subsequent acquisitions are valued at smaller EBITDA multiples than the initial transaction, but are still attractive to the smaller practices who are looking to join a bigger platform.

Should you choose to merge and/or sell your practice, understanding the dynamics and structural differences between an upstream merger, hospital sale or sale to a PE will help you determine the best path for your practice, your partner group and your patients.

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JUNE 3, 2019

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Monroe’s Veracious Brewing: Steady growth in the face of legislative threats

BY KEVIN ZIMMERMAN kzimmerman@westfairinc.com

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onroe’s Veracious Brewing Co. was not the first craft brewery in Fairfield County, and it isn’t the largest — but that’s not to say that it hasn’t made its presence felt.

“There weren’t a lot of breweries around when we started” in 2015, said Mark Szamatulski, who, with his wife Tess, co-owns both Veracious and home brewing and wine making supply store Maltose Express, next door at 246 Main St. “A lot of the people who used to come here to drink have now gone off and started their own.

“We’re kind of victims of our own success,” Szamatulski added with a laugh, though he said there’s still plenty of room for brewers nearby. Bad Sons, Nod Hill and Charter Oak opened over the past couple of years in Derby, Ridgefield and Danbury, respectively, and Reverie joined the crowd in Newtown earlier this year.

Another Newtown brewery, Asylum, hopes to open around Labor Day. Veracious’ output of 1,000 barrels a year is a far cry from the approximately 60,000 that Stratford brew-

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ing behemoth Two Roads puts out annually, but that kind of production has never been the Szamatulskis’ plan.

Noting that Two Roads is now distributed in over a dozen states as well as in the U.K., Szamatulski said “I’ll be happy” if Veracious is available in 100 restaurants and liquor stores by the end of this year. It’s currently at about 35 eateries and 18 package stores.

The business is home to such brews as: 29 Pews, an American IPA named after the 29 repurposed church pews with which Veracious paneled its tasting room walls; Goldens Summer, which won the gold medal for light golden ale at the 2018 Great International Beer, Cider, Mead & Sake Competition; and seasonal concoctions like blueberry-flavored Bloobs wheat ale and Big Scotty scotch ale.

Veracious has 19 beers on tap and several ready to rotate in at any given moment.

Szamatulski said that while the taproom — open from Thursdays through Sundays — “is finally taking off,” draught sales at restaurants and canned sales at package stores have remained strong.

Key to the taproom is its staff: two full-time bar-

tenders and a handful of part-timers are expected to be as welcoming as a restaurant’s waitstaff, he said, while Ralphie — the owners’ easygoing dog that frequents both the taproom and Maltose — has become such a favorite that he “dropped the puck” at a recent Bridgeport Sound Tigers game.

Also key to a craft brewery’s success is a series of events. In addition to regular karaoke and live music nights, Veracious also hosts a variety of parties and competitions — one of the latter was taking place when the Business Journal visited on May 15, with the winner out of 70 participants to be brewed there later this year

— and rents its taproom on nights when it is not open to the public.

“It’s kind of like being in the entertainment business,” he said. “You hope people will come in because the beer’s good, but you definitely need other things to keep them coming back.”

Formerly an engineer at defense company Northrop Grumman in Norwalk, Szamatulski and his wife opened Maltose Express in 1991 and, after sampling the homebrewed wares of a friend, decided to turn the space next door into a brewery when an Ace Hardware closed. Both stores — Maltose is open Mondays through Saturdays — measure 6,250 square feet.

“Anyone can make beer,” Szamatulski said. “But to make a good beer, something that somebody else wants to drink, takes two, two-and-a-half years.”

Although Monroe “has been really good for us,” the Trumbull resident said there have been occasional bumps in the brewery’s road. It took two years of wrangling to get town approval to have food trucks on-site, and the seemingly endless road construction on Main Street, aka Route 25, has had an understandably deleterious effect on business at times.

Szamatulski has taken a lead role in protesting a state-level proposal that would have prohibited craft breweries from selling beer

Cannabis—

Benchmarks’ editorial director, does have a cannabis background — he was cultivation manager at Denver-area medical marijuana dispensary Good Meds and has served as an independent cannabis industry consultant — but like the others it falls more on the “business” side of the sector.

“We all feel that it’s important to provide a nuts-and-bolts service that is essential as the industry grows, develops and matures,” Koh said. “It can be very, very difficult to agree on prices when you’re trying to transact with other businesses. You hear all kinds of idiosyncratic stories about how people go about evaluating and paying for product.”

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The conditioning tanks at Monroe’s Veracious Brewing Co.

in their taprooms, and another that would have required breweries to choose between off-premise or on-premise sale and consumption. While those bills were introduced and quickly withdrawn in the spring, Szamatulski said he remains wary of their return — or of something even worse.

“Those bills could essentially have put us out of business,” he said, noting that Republican Rep. J.P. Sredzinski, whose 112th District includes Monroe and Newtown, had been a solid ally in fighting such legislation.

That craft brewing is becoming such a big business in Connecticut — it’s quickly grown from a handful when Veracious began to about 90 today — has been a double-edged sword, Szamatulski said. “The big distributors are getting nervous,” he said, adding that such companies had made significant donations to the legislators behind the aforementioned bills.

Szamatulski said the Connecticut Brewers Guild is in the process of hiring its own full-time lobbyist to protect “the little guys.”

“All of us have put too much time and money into building our businesses to stand by helpless,” he said.

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Although he was not available for comment, Rubin made similar remarks when Benchmarks launched its Weekly Report, which includes an assessment of the national wholesale spot price for one pound of cannabis and a six-month forward curve.

“Transparency is essential for markets to function efficiently, and we are proud to be the first price reporting agency to publish national cannabis wholesale spot and forward prices,” he said. “As the availability of legal cannabis pricing data grows and becomes more stable, we will publish differentials for varying potencies, strains, locations and other quantitative and qualitative factors

that influence wholesale prices.”

Benchmarks collects public and private transaction and bid-ask data from legal cannabis markets across the country and then applies a proprietary assessment methodology to derive the wholesale spot price. The forward curve is then shaped with forecasts of supply and demand fundamentals, which incorporate multiple participant viewpoints, Koh explained.

Recreational marijuana is legal in 10 states and Washington, D.C. Medical marijuana is legal in 31, including D.C., with CBD oil allowed in four others. Koh said Benchmarks collects data from 17 states — including Connecticut,

where legislative efforts to legalize recreational marijuana will apparently fall short this year — as well as from Canada, which fully legalized the commodity last October.

“When we started there were not a lot of people accustomed to sharing this kind of data,” Koh noted. “Now they’re coming to realize the benefits of price transparency industrywide.”

While Connecticut continues to struggle with the issue — a constitutional amendment may show up on next year’s ballot — Benchmarks is maintaining contacts with medical dispensaries and cultivators, and has the machinery in place here and in

other states to move forward once such bills are passed, Koh said.

The size of the marijuana market in the U.S. is impossible to pinpoint, Koh noted. “The black market is estimated to be somewhere around $40 billion to $50 billion in the U.S.,” he said.

According to Beau Whitney, vice president and senior economist at cannabis market research and data analysis firm New Frontier Data, the legal marijuana industry grew to $10.4 billion in the U.S. in 2018, compared with $5 billion in 2015, and employed over 250,000 people. Whitney estimated that the combined legitimate North American market could top $16 billion this year.

Assisted Living Services expands outreach in Fairfield County

BY PHIL HALL phall@westfairinc.com

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nspiration for new businesses often comes as the result of a personal challenge. This was the case for Assisted Living Services, a senior home care agency that first opened in Meriden in 1996.

“The company was founded by my mom and dad,” recalled Mario D’Aquila, the company’s chief operating officer. “They noticed my great-grandfather was showing signs of dementia and, with my dad’s background in nursing, and my mom had previous experience caring for seniors, they knew he needed 24-hour support because he couldn’t stay home alone. Granted, he lived a few houses down from my parents, but when you have Alzheimer’s or any dementia

wandering is an issue, and that was an issue with him.”

D’Aquila added that the senior home care agencies they sought out for assistance were mostly inadequate for their needs.

“Someone would come over for an hour or two a day, and that was it,” he said.

“My parents decided they could do better and hired a live-in caregiver who delivered the best care that anybody could provide. And they said, ‘There is a use for this.’ ” Friends of the D’Aquila family who had similar situations with their aged parents began to make inquiries on whether they could provide them with assistance. Assisted Living Services initially focused on the Hartford metro market and would later open a second market in Clinton. Last year, the company expand-

ed into Fairfield County with an office in the town of Fairfield.

“We’ve been growing very fast in this area and will outgrow this location in a year,” D’Aquila said.

Assisted Living Services employs approximately 450 caregivers who work with between 300 and 400 clients per day. Unlike 23 years ago when the D’Aquila family struggled to find home care help, today’s market is not lacking in competition.

“There are somewhere north of 650 home care services in Connecticut, and they all say we’re the best,” D’Aquila observed. “What we’ve noticed is that you have to prove it and you have to have value-add. You have to provide extra things to ensure the care is outstanding.”

One major differentiator for the company was

the creation of a technology subsidiary that provides custom-tailored solutions for clients through a program called Care Plus, which is offered free to clients who require 40 hours or more of in-home care.

“Say it is a wander-risk client,” D’Aquila explained.

“We can install different types of sensors around the home if the client decided to get off the bed and walk out the door. Other technology includes a bed pad or chair pad for fall risks.

As soon as there is release pressure from a chair pad, it relieves pressure from where they are sitting and instantly sends a signal to the caregiver’s pager to be alerted right away and help the client ambulate to where they want to be.”

Assisted Living Services offers three levels of care: a homemaker and compan-

ion level for light cleaning and an escort for appointments; a personal care assistance level that combines cleaning and cooking with activities including dressing and bathing; and a live-in service encompassing all services in a long-term overnight arrangement.

D’Aquila acknowledged that senior home care services do not come on the cheap, but he pointed out that quality care could, in the long run, create savings at different levels.

“The value is what you want to keep an eye on,” he stated. “We don’t want to deplete people’s hardearned savings, and it can be costly having someone in your home for an extended period of time doing hard work. But the cost compared to having mom and dad in a longterm nursing facility can

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be $500 or $600 a day, where having a long-term, live-in can range from $260 to $300 a day. It is a tremendous savings to keep mom and dad at home. And I tell customers be wary of the ones that are a little bit cheaper. I hate to say you get what you pay for.”

He is forecasting an expanded Fairfield County presence for the company.

“We would love to move into southern Fairfield County and moving up to the Danbury area would be definite,” he said. “We’re scoping it out now. It’s not just growing our company, but we are trying to shift home care and eldercare because a lot of baby boomers will be reaching the age of needing care in the next 10 to 20 years and there won’t be enough care providers for all of these people.”

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Doctors of Distinction

From left, standing: Mark Vitale, Andrew Yanik, Paul Schwartz, Mark Melendez, Diego Camacho, Peter Acker and Philip McWhorter. From left, seated: Jeannie Kenkare, Marilee Freitas, Camelia Lawrence, Bella Malits, Gilda Bonanno, Patricia Close and Mary MacDonald. Photos by Sebastián Flores.

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become a statistic,” he urged.

SMB Networks provides a menu of information technology services for the medical profession, such as: installation of computer systems; programming; creating and maintaining HIPPA-compliant electronic medical records systems; backup and recovery plans; and virus and spyware removal.

Verlezza has written three books on information technology and has worked on the documentary “Cyber Crime.”

Verlezza made members of the audience sit up and take notice when he started impersonating a cybercriminal. “Pleased to meet you. My name is Sergei,” he said. “I am 30 years old and live in a place called ‘Berserkistan’ with my two girlfriends I found on an internet dating site. I am the CEO of a successful cybercrime business.

Yes, a business. Some would call me a cybercriminal. I prefer to say ‘entrepreneur.’ ” Verlezza, still using the persona of Sergei, was blunt about what happens in today’s world of computers. “I’ve stolen hundreds of millions of pieces of information that I don’t use myself, but sell to a network of criminals. We trade this

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information on a place called the dark web, the deep underbelly of the internet.

We have Social Security numbers, driver’s license numbers, user names and passwords, email addresses, health records. We know what you eat daily and your weight.”

To prove that he really knows what he’s talking about, Sergei added, “Some of you are lying about both of those.”

Cybercriminal Sergei ticked off specifics designed to make audience members start focusing on the security of their computer systems. “I know who you are, where you live, your children’s names, where you went to school, your alumni associations, your maiden name, your nickname in high school, your birth date, your pet’s name, where you did your residency, who you voted for and what you ate for breakfast.

All of that information you gave me. I didn’t even have to ask. You empowered me and my team to extort you.”

The validity of what was said is reflected in the recent cyberattack on UConn Health in which data on 326,000 patients may have been hacked. UConn Health began notifying patients of the attack this past February. Back in 2017, there was an attack in which cybercriminals locked up the computer systems of dozens of hospi-

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1. John MacDonald Jr., Mary MacDonald and John MacDonald III 2. Juan Camacho, Sebastian Camacho, Mrs. Camacho and Diego Camacho 3. Mike Davidow, Lisa Cummings and Ann McCarthy

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Dr. Cynthia Vanson and Jeannie Kenkare Philip McWhorter and Linda McWhorter Mark Vitale and Sally Frank Sasanka Jayasuriya, Camelia Lawrence and Marcia Pflug

Doctors of Distinction tals in Great Britain and demanded ransom payments for restoring access to the data.

Britain’s National Cyber Security Center worked around the clock to restore service and ransom did not have to be paid. A health care system in Pennsylvania was hit by the same attack. In 2016, patient records at a health care system in the Washington, D.C., area were held for ransom and patients had to be turned away until a computer virus could be removed.

The event honored Wholesome Wave, a national nonprofit based in Bridgeport.

It was founded in 2007 by James Beard Award-winning Chef Michel Nischan and former U.S. Undersecretary of Agriculture Gus Schumacher. The organization has various programs addressing hunger and nutrition, which it reports have reached more than 1 million otherwise underserved people.

The Caring for All award went to Peter Acker, a pediatrician with Greenwich Hospital and Westchester Medical Center.

Diego Camacho, director of minimally invasive and endoscopic surgery at the Montefiore Health System and associate professor of surgery at Albert Einstein College of Medicine, received the No Land Too Far award. He told the audience, “I was inspired not to make a living, but to make a difference.”

The Female Trailblazer award went to Angela F. Campbell, an obstetrician and gynecologist with Norwalk Hospital and Western Connecticut Health Network.

Patricia Close, a gynecologist with the Westmed Medical Group, received the All in the Family award. Referring to her volunteer work in Bolivia, she said, “My volunteer work gives me an appreciation of what I have.”

The Cutting Edge award was presented to Marilee Freitas, division director of colon and rectal surgery at Stamford Hospital.

Jeannie Kenkare, chief medical officer and co-founder of PhysicianOne Urgent Care, received the Urgent Care Center award.

Mary MacDonald, chief mammography technologist at Advanced Radiology Consultants, was the recipient of the Support Staff award.

The Lifetime Achievement award was presented to Philip J. McWhorter of

Greenwich Hospital whose specialty is general surgery.

Mark Melendez, section chief of plastic and reconstructive surgery at Cosmetic & Reconstructive Surgery Associates of Connecticut, received the Caring for All award.

Paul Schwartz, a volunteer physician with the Bob Macauley Americares Free Clinic, received the Team Player award. He recalled, “My parents came to the U.S. in the early 1900s from Austria and settled on the Lower East Side of Manhattan. They sent my sister and me to college. She became a teacher and I became a physician.”

The Cutting Edge award was presented to Mark Vitale, an orthopedic surgeon with Orthopaedic & Neurosurgery Specialists.

Andrew Yanik, a student at the Frank H. Netter MD School of Medicine at Quinnipiac University, was the recipient of the 2019 Promise for the Future award.

The Fairfield County Doctors of Distinction event for 2019 was presented

by Westfair Communications, publisher of the Fairfield County Business Journal, the Westchester County Business Journal and WAG magazine. The sponsors were: Greenwich Hospital; SMB Networks; ONS, Orthopaedic & Neurosurgery Specialists; Westmed Medical Group; Serafina at the IC; Val’s Putnam Wines & Liquors; and Blossom Flower Shops. The supporters were: PhysicianOne Urgent Care; Gilda Bonanno LLC; Advanced Radiology; BMW of Darien; and Americares Free Clinics.

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YOU ARE INVITED REGISTER NOW! westfaironline.com/events

Emcee

Keynote Speaker

Matt Scott Meteorologist / Co-Host, Fox 61 Morning News

Scott Johnson President of The Mack Media Group Host of The Mack Talks

June 11 • 5:30 - 7 p.m.

LaKota Oaks 32 Weed Avenue Norwalk, CT For more information or sponsorship inquiries, contact Barbara Hanlon at bhanlon@westfairinc.com or 914-358-0766 or Marcia Pflug at mpflug@wfpromote.com or 203-733-4545.

For information, contact: Tracey Vitale at tvitale@westfairinc.com.

CHAMBER PARTNERS: Darien Chamber of Commerce | Fairfield Chamber of Commerce | The Business Council of Fairfield County | Wilton Chamber of Commerce | Greater Norwalk Chamber of Commerce | Greater Valley Chamber of Commerce | Ridgefield Chamber of Commerce | Westport-Weston Chamber of Commerce | Greater Danbury Chamber of Commerce | Greenwich Chamber of Commerce | Bridgeport Regional Business Council

SILVER SPONSOR:

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JUNE 3, 2019

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BRONZE SPONSOR:

SUPPORTER:

Come meet

THE 2019 WINNERS The Rising stars in Fairfield County

Amanda Almonte Andy Cabell Godiva Cadena Kevin Caskin Roger Chappuis Thomas Cingari Jr. Michelle Coletti Sasha Collins John Corraro Evan Cygler Kate Dischino Jackie Essex Katia Garcon Robyn Goldenberg Angelica Gorrio Brian Higgins Christian Keane Rhonda Klein Marisa MacLean Shannon Malkin Daniels Joshua Marcus, M.D. Elisabeth Marrocolla Eddie Martinez Samantha Mauro Peter McSherry Amanda Meeson Erin Mercede Kelli Meyer Oliver Page Roberta Rich Suobo Richards Chloe Richland Charles Rocco Erick Russell Katherine Russian Emily Anne Scalise Raya Ward Josh Weinshank Angela Wong Laura Zap

At-HomeCare of CT Arthur Murray Dance Studio of Danbury Union Savings Bank People’s United Bank Family & Children’s Aid ShopRite Grade A Markets LMC, a Lennar Company The Center for Family Justice Barnum Financial Group Miller Motorcars Americares Greenwich Hospital House of Katia Strategy Leaders Marinera CT Aditum Gartner Modern Dermatology Westport Lifestyle encaptiv Western CT Health Network Darien Library TOP Station Whiskey Barrel Epsilon Sterling House Community Center Bridgeport Regional Business Council University of Bridgeport Deloitte Consulting LLP Bank of America Service After Service Wilson Elser Rocco & Associates Wealth Management, Inc. Pullman & Comley Lentner NicholsMD of Greenwich Nielsen’s Florist & Garden Shop Cramer & Anderson City Center Danbury LaKota Oaks

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JUNE 3, 2019

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CONTRIBUTING WRITER | By Michael Guberti

5 ways to reach more people on Snapchat

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napchat reports that 190 million people use the app on a daily basis “to talk with friends, play with augmented reality and keep up with what’s happening around the world.” Statista states that 28% of Snapchat users in America are 18 to 24 years old. Pew Research Center notes that “27% of U.S. adults use Snapchat.”

The average user utilizes Snapchat 20 times per day for a total of 30 minutes.

Those users create 3 billion total “Snaps” every 24 hours.

A Snap is an image or video viewable for a set period of time or until the recipient closes the Snap. Snapchat offers advertising capabilities to businesses that want to reach its audience.

Amazon used augmented reality to promote Prime Day in a campaign on Snapchat.

Michael Kors used Snapchat

lenses, ads and filters to promote its SmartWatch, resulting in a “29 point lift in product awareness and 11 point lift in action intent.”

Wendy’s created Snapchat ad campaigns “to drive 138,000 incremental store visits.”

Here are five ways to reach more people on Snapchat: CREATE YOUR BUSINESS ACCOUNT You need a business account to create ad campaigns on Snapchat. If you have a personal Snapchat account, visit Snapchat’s website to log in with your existing credentials and create a business account. After you insert your business details such as your legal business name and email address, click “Get Started” and your business account will automatically be created.

PUBLISH ENGAGING STORIES TO YOUR BUSINESS ACCOUNT You can publish behindthe-scenes content, spotlight a new staff member, showcase a product or service, ask questions and create polls.

You want to do one or more of the following: inform, inspire or entertain your audience in a positive way.

Ford used stories to share “5 ways to prepare for an extreme off-road desert challenge with Ford Expedition.”

Users who viewed the story were encouraged to “Swipe Up” to visit a website where they could book a test drive or request a quote.

CREATE, MONITOR AND OPTIMIZE SNAPCHAT AD CAMPAIGNS Snapchat’s ad campaign objectives are the following: branding; app installs; app

traffic; website traffic; engagement; video views; lead generation; app conversions; website conversions; and catalog sales. Marriott Rewards created a Snap Ads long-form video campaign to “drive the lift in awareness and consideration among young travelers.” McDonald’s promoted its Cheddar McMelt burger using a Snapchat awareness campaign, getting 5.7 million people to use a lens that overlaid the Cheddar McMelt burger over the viewer’s face.

The average viewer used the lens for 28 seconds.

IDENTIFY SNAPCHAT’S KEY TERMS Let’s establish Snapchat’s vocabulary. Lenses are animations that you can apply to videos. Collection ads are “four tappable tiles to feature products.” For example, if you’re selling shoes,

you can show four types of shoes, perhaps choosing to vary their color and size. A story is an image or video that expires after 24 hours.

Filters are images and/or words that go over a picture or video. Geofilters are filters that are only available in specific locations.

UNDERSTAND HOW SNAPCHAT AD ACCOUNTS WORK There are two types of ad accounts: self-service or on-demand geofilters.

Self-service accounts let you purchase snap ads, lenses, collection ads, story ads or audience filters.

On-demand geofilters allow you to create and purchase filters using Snapchat’s “Create Your Own” tool.

After you choose your ad account type, you can add team members to help

create your campaigns.

Your team members can be listed as an admin or member. Admins can “change business details and manage all of the ad accounts within that organization.” Members can only work on the part of the ad account that they have been assigned to.

Statista reports that over 2 million Snaps are sent every 60 seconds.

Snapchat can serve as a complement to your overall digital marketing strategy.

Leverage these strategies to reach more people on Snapchat.

Michael Guberti is the founder of Michael Guberti’s Digital Marketing Services, a full-service digital marketing agency. He can be reached at michael@ michaelguberti.com.

25th Annual Humanitarian Awards Dinner A Midsommar-Inspired Celebration

June 7, 2019 • Rippowam Cisqua School Honoring

R. Todd Rockefeller (2019 Humanitarian) AND

Dan Ginnel (2019 John Beach Award)

Gala Co-Chairs

Heather & Kristoffer Durst bit.ly/2019HumanitarianAwards

Celebrating 20 years of BGCNW Marlins being Boys & Girls Clubs of America National Swimming Champions!

Enroll. Donate. Volunteer. www.bgcnw.com #jointheClub #WestchesterNY

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Ask Andi Growth by acquisition

THOUGHTS OF THE DAY: Growth by acquisition can be a good way to expand.

Buying a company is a process. Figuring out a fair price is essential. Careful due diligence is where and how you vet the deal. Don’t pay more than the deal is worth just because you spend a bunch of time and effort pursuing it.

Adding to your company by acquiring another can be advantageous as long as three things happen. You don’t overpay. You can take over the assets you buy

without losing control. And you can leverage the assets you acquire into something more valuable and sufficient to pay off any obligations from the deal and make a profit.

It takes time and lots of steps to get a deal done. First there’s the initial offer. Then the letter of intent. The closing happens when a final agreement is hammered out based on discoveries from the due diligence phase.

Along the way the buyer has to secure financing and the seller arranges to pay off lia-

bilities. Then comes the real work for the buyer, taking over and making the deal work. Along the way both seller and buyer will benefit from a team of experienced advisors who help vet, negotiate and document the deal.

Many sellers overvalue their companies and many buyers pay too much and then get themselves into trouble. Getting an accurate valuation from a firm that does valuations and doesn’t have a stake in the deal is essential for first-time buyers. Even experienced buyers use valuations to help keep themselves sane and focused as they negotiate price and terms.

Most deals are based first and foremost on cash flow. What will it cost to buy the company? Can yearly net income cover the acqui-

sition cost and yield a profit?

Every buyer should keep a close eye on that equation throughout due diligence and as the final offer gets crafted.

Use the due diligence phase to evaluate the quality of assets, including customer lists, vendor relationships, work on hand, processes for doing the work, employees who are trained and committed. How likely is it that employees might leave and take customers with them?

Will vendors honor agreements going forward? Will customers stick around?

Are assets encumbered with loans or liens and will the seller be able to pay those off? Will employees stay on?

Are inventory and work on hand accurate? Will knowledge be lost if employees leave? It’s buyer beware in

JUNE 10, 2019

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THE STANWI C H C LUB

Co-Chairs: Michael Clain, MD, Adam Ercoli, Rich Granoff and Vicki Leeds Tananbaum Golf Captains Chair: Jeff Mendell Auction Chair: Amy Sethi

apart than get through closing. As a buyer, keep your options open by keeping an eye out for alternative deals to pursue.

this phase.

Be careful not to rely too heavily on the seller’s involvement post-deal.

There’s a reason why they’re selling, and often it’s so they can get on with a new life.

If they stay, commitment changes as they switch from owners to employees.

Be aware of human nature. The more effort buyers put into vetting the deal, the more they want to make the deal happen. That’s a mistake. The only good deal is one that has significant potential to yield a positive return short- and long-term.

Watch out if surprises keep showing up. You want to do business with a trustworthy seller. There will always be other good deals out there to pursue if this one doesn’t seem right. Keep in mind that more deals fall

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BOOK RECOMMENDATION: “Mergers and Acquisitions from A to Z,” by Andrew J. Sherman.

Andi Gray is president of Strategy Leaders Inc., StrategyLeaders.com, a business-consulting firm that teaches companies how to double revenue and triple profits in repetitive growth cycles. Have a question for AskAndi? Wondering how Strategy Leaders can help your business thrive? Call or email for a free consultation and diagnostics at 877-238-3535 or AskAndi@StrategyLeaders. com. Check out our library of business advice articles at AskAndi.com.

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We’re trying to do an acquisition, but as we get into the opportunity there’s one surprise after another. Seems like it’s always something else, and not necessarily good. Should we keep on pursuing this deal? Is there any such thing as a good acquisition?

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JOIN US FOR BRUNCH, GOLF ON THE CHAMPIONSHIP COURSE AT STANWICH, COCKTAILS, SILENT AUCTION AND DINNER RECEPTION

For information or to register: call 203-869-3131 or visit onsf.org

MEDIA SPONSOR

A GREENWICH HOSPITAL ALLIANCE

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Savings Bank of Danbury’s focus remains on community service after 170 years

BY KEVIN ZIMMERMAN kzimmerman@westfairinc.com

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or any company to last 170 years requires dedication — not just from its leaders but from its employees and customers as well.

In the case of the 170-year-old Savings Bank of Danbury — the oldest continuously operating business in the city of Danbury — it is also dependent upon the communities it serves, according to President and CEO Martin Morgado.

“We have always been a community bank in the truest sense,” he said.

“Participation and involvement with the communities within our footprint is one of the most important things we do, and has led to all the success we’ve had.”

Last year its 200 workers put in 7,000 hours of volunteer service, Morgado said. “Most of our employees are involved in some

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All four of Savings Bank of Danbury’s headquarters sit side by side along Main Street, circa World War I. In the center is George Ives’ house, where the bank began in 1849. To the left behind the pole is the 1852 bank building. On the far left is the two-story building the bank erected in 1866. On the far right is the present Main Street building, constructed in 1909. The Ives house was moved from this site in 1924 and is now a museum operated by the Danbury Museum and Historical Society.

kind of community service within the first three months of starting to work here.”

He noted 20 employees were volunteering at Ann’s

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Place, a local nonprofit that provides services and support to those diagnosed with cancer. Morgado said last year Savings Bank of Danbury worked with 73

nonprofits in the communities it serves via 15 branches, which stretch from its Danbury headquarters as far east as Waterbury and as north as New Milford.

In 2018, the Savings Bank of Danbury Foundation, established in 2004, awarded more than $190,000 to those agencies, a 6% increase over the previous year and the bank contributed an additional $433,000 to various community organizations.

The bank officially opened for business on July 14, 1849, in what is today known as the Ives House.

George W. Ives, the father of composer Charles Ives, was its secretary-treasurer from its founding to 1860. Open only on Saturdays from 2 to 5 p.m., legend has it that, should the elder Ives be absent, deposits could be left with his wife at their kitchen door.

On its first day, the bank took in eight deposits totaling $15. Its first year saw total deposits of $12,245.59. Its primary source of business was local home mortgages.

The bank’s first president was Frederick S. Wildman, a delegate to the Democratic National Convention that in 1828 nominated Andrew Jackson for president, who served in the position for 44 years. Over its first 60 years,

the institution grew to three locations, each adjacent to the other.

By 1969, Savings Bank of Danbury had $4 million in cash and U.S. bonds, backed up by $7.5 million in government securities. Although it had limited its operations to savings accounts and local home mortgages for 120 years, it also introduced CDs to depositors that year.

In 1975, the bank had 17 full- and part-time employees — the same number as in 1940, although its savings deposits had grown during that period from $11 million to $77 million. The following year saw the appointment of Florence R. Helley as president, making her the only female savings bank president in the state.

In 1993, the institution expanded with a 6,000-square-foot addition to its 220 Main St. headquarters. Three years later it purchased branch offices in Bethel and Brookfield from Norwalk Savings Society, which was acquired by Summit Bank in 1998.

Morgado joined the bank in 2001 as vice president of retail lending, taking on management responsibility for the mortgage banking division in 2007. His key role in its game-changing acquisition of Stamford Mortgage Co. in 2010 — which had

served more than 4,500 households and originated more than $2 billion in residential mortgages since its 1996 inception — helped propel him up the corporate ladder, culminating in his taking the president/CEO role in 2016.

Morgado said he’d been in the mortgage business well before joining the bank. Having grown Savings Bank’s mortgage department into a significant presence, and being familiar with Stamford Mortgage as one of its customers, he said the opportunity to acquire it was quickly seized.

“We looked at a lot of other (mortgage companies) that we didn’t go into partnership with,” he said. “(Stamford founder) Penn Johnson is still president of it, and it’s become a very profitable part of the bank. Mortgage banking is extremely important to us.

It’s one of our drivers.”

The development and implementation of a new technology platform last year has helped the bank stay on top of the kinds of digital trends that customers are increasingly seeking, Morgado noted. “But we’re never going to give up on customer service. If you call the bank, you will get a person. I even answer my own phone when it rings.”

Savings Bank of Danbury surpassed the $1 billion mark for assets under management last year, reflecting 9.5% growth. Morgado said the bank will be adding branches this year outside of Danbury, though he declined to provide specifics.

To commemorate its 170th anniversary, the bank is deploying a fleet of vehicles bearing its logo, purchased a float to be featured in local parades and is working with the state’s Department of Veterans Affairs on various initiatives, including one where schoolchildren will write postcards to those serving overseas. Talks with the Ives House about collaborating on an anniversary-related event are also underway, Morgado said.

FOCUS ON

EDUCATION & TECHNOLOGY FAIRFIELD COUNTY BUSINESS JOURNAL

Norwalk towing company brings The Barnacle to Connecticut parking enforcement ing away and I wanted to make it friendly, if there is such a thing,” said Allen Fedor, owner of Norwalkbased Feodor Auto Body Works.

Two years ago, while attending a trade show in Baltimore, Fedor came upon a new technology called The Barnacle that offered the potential of creating a more holistic approach to parking enforcement. Created by the Weston-based startup Barnacle Parking Enforcement, the product sought to remove the motorist’s anxiety with-

BY PHIL HALL phall@westfairinc.com

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or a motorist, few things are more aggravating than returning to your parking space and finding that your automobile has been towed. And even if the vehicle was parked in violation of municipal codes or private property rules, the emotional response to this situation is frustrating — a point that is not lost on one local towing service operator.

“I’ve done a lot of parking enforcement and tow-

Allen Fedor (left) and Kevin Dougherty show off The Barnacle. Photo by Phil Hall.

» » BARNACLE

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EDUCATION & TECHNOLOGY 15

Barnacle—

out having to remove the car itself.

“We looked at the inefficiencies in current enforcement methods,” said Kevin Dougherty, a former cybersecurity officer in the U.S. Marine Corps who developed The Barnacle. “There was somewhat of a leap to go from a ticket on your vehicle to your car being physically removed.

And the process of coming out and placing a boot on your car means you have to wait hours for someone to come and take it off. We wanted to approach the problem from a completely new direction and make something that was better for every person in the pro-

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cess.”

The Barnacle weighs 17 pounds and comes in a polycarbonate shell that looks like an oversized yellow folder. When opened and deployed across a windshield, it stretches three feet wide. The parking enforcement officer sets a code on the device, which locks itself onto the windshield with commercial-grade suction cups that create 1,000 pounds of force, completely obscuring the driver’s view. The driver who encounters The Barnacle on the windshield can call a telephone number on the device or go to a website and make a credit card payment, at which point a code number is provided to release the device. After the code

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is entered, the Barnacle unlocks itself in less than a minute.

The driver is also responsible for returning The Barnacle, either in a bin located in the lot where the vehicle was parked or to Fedor’s business at 32 Woodward Ave. in the SoNo section of Norwalk.

Fedor pointed out that failing to return the device is not an option for drivers.

“We typically hold a deposit on their credit card, and if they don’t return it we charge a deposit and potentially go after them for collections,” he said.

Dougherty said he has clients in 37 states, ranging from municipalities to hospitals, universities and property own-

ers, and Fedor is his first Connecticut client. Prior to taking on the Barnacle, Feodor researched the municipal codes in the localities he served to determine if this windshield-based approach to parking enforcement was acceptable. After confirming it could be legally used, his towing crew began placing them on vehicles in March.

“We’ve done over 500 to date,” he said. “We have 30 of them. They tend not to get used very long. Most of them get removed after a couple of hours.”

Fedor charges $110 for the removal and he noted that traditional towing could run between $150 and $180. Fedor also gives the driver 48 hours to

make a payment and tows the vehicle if there is no financial response.

For those who try to remove the device, a sharp alarm creates an unpleasant acoustic warning and an alert goes back to Fedor’s office. Feodor encountered one driver who felt he could yank it away, but opted not to intervene.

“I would never have wanted to have gotten in a fight with this guy — he was huge,” he recalled.

“He jumped on the hood of the car and pulled at The Barnacle and crushed the hood of the car. He got madder and got The Barnacle off, but took a good chunk of the windshield off with it.”

Doughert y added

that because the parking enforcement officer enters vehicular information while deploying the device, any driver who successfully pries away The Barnacle will be tracked down and face legal problems. “We are able to go and attempt to collect for any damage to the device,” he said. “There are consequences when they go in hulk-mode.”

Dougherty hoped that people would keep their tempers under control and recognize that his product is a blessing in disguise.

“Parking enforcement is necessary, both from the government side and the private side,” he said. “It is a tough situation, and we’re trying to make that tough situation better.”

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EDUCATION & TECHNOLOGY

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CONTRIBUTING WRITER | By Peter Verlezza

Education is vital for safety with technology

hen I was a kid there were seat belts in cars. I seldom wore them. They went around your lap, seemed annoying, and frankly, I didn’t see the benefit. There were accidents, and people were injured. But as time went on speed limits increased, cars went faster, there were more of them and the regularity of accidents became more significant. There also was evidence that your chances of escaping serious injury in a crash were far higher wearing the seat belt than not. I changed my opinion and thinking.

The same kind of thing has happened in the technology space. Back in the early days of the internet, we had email and casual-use internet on places like AOL. Not all of our devices were connected and social media wasn’t in existence. We banked at the branch, cashed checks in person, paid people with real money and received paper statements from our financial institutions. We weren’t commenting hourly on what we ate, where we visited and how long we would be on vacation for all the world to see.

Technology has afforded us the ability to have instant access to almost any information.

However, this privilege does come with the personal responsibility of protecting yourself.

The biggest technology threat we see today is cybercrime. The number of incidents is staggering. There is a significant breach almost daily. Cybercrime is a business and the dollars are in the billions. There are lots of different ways of monetizing cybercrime. The most obvious would be stealing money from your bank account or financial institution, and swiping a credit card number and using it to make purchases. This information is available in a place called the dark web.

The most prominent method that cybercriminals use to commit cybercrimes is through email. Commonly referred to as phishing, or the fraudulent practice of sending emails that are supposedly coming from a reputable company or source to induce the recipient to click a malicious link. Phishing impacts individuals and businesses. One method used would be an attached document to an email that has a virus or some other type of malicious software. The body of the email would attempt to compel the recipient to click on the attachment, which would then download a virus or malware to your computer. Have you ever received the “your invoice is attached” or “check out this picture of us” emails? Another method would be to insert a link in an email.

Clicking this link takes you to a website that has a virus or malware that would be introduced to your computer. Another trick is to have the link go to a familiar looking site where you might fill in your username and password to verify the information in the email. Ever receive an email from American Express that says “High volume purchases have flagged your American Express card,” or one from

PayPal stating “Urgent: Action required for your PayPal Account.”

Awareness is probably the best way to protect yourself from these types of scams.

Being mindful of your actions and responses will save you from potential issues. Here are a few things to consider when you receive one of these emails: • Are you expecting an email from this company or person regarding this issue or matter?

• Are they using your actual name and account number or just referring to you as an eBay or PayPal user?

• Is the sender’s email address coming from the company they claim to be representing or from some other bogus source? Consider opening a new browser and visiting the website directly and verifying the information yourself. If you have a package that is delayed in shipment or an unusually high charge on your credit card, this information will be offered to you by the merchant without much effort.

I was recently asked if there is a way to be completely safe and protected online and be sure you’ll never have an issue. The answer is an emphatic NO! There are things you can do to minimize

your risks and increase your ability to recover from an incident, but you can never reduce the risk to zero. Some would say it is sad and it would be easier to live in a cabin in the woods with no internet or cars. I say the privilege of driving is worth wearing a seat belt and education is vital for safety with technology.

Peter Verlezza is the CEO of SMB Networks LLC, a technology services company in Hamden, Connecticut. For more information, visit www.smbnetworksllc.com or call 203815-1685. He co-produced and is in the cast of a documentary called “Cyber Crime,” which had its premiere in California last month.

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Good Things FAMILY & CHILDREN’S AGENCY BOARD AND STAFF, FAMILY CHAMPIONS Each year, the Connecticut Council of Family Service Agencies (CCFSA) recognizes exemplary volunteers and human service professionals with the Family Champion Award, which honors a board member who “consistently goes above and beyond the call of duty to support their agency’s mission” as well as a nonmanagement staff member who “works tirelessly to improve lives, inspire hope and strengthen families.”

This year’s honorees from Family & Children’s Agency (FCA) are Board of Directors members Brian Vendig and Lorraine Reid-James.

Over the past six years, Vendig has gone from a valued donor to a dedicated volunteer and board member. Joining FCA’s Junior Board of Advisors in 2013, he helped plan and execute signature events, including A Taste of Fairfield County; took on a leadership role in the group by becoming a co-chair and also joined the agency’s Board of Directors.

Vendig is president, managing executive and chief compliance officer of MJP Associates Inc., a wealth advisory firm.

Since 2009, Reid-James of Bridgeport has worked as a dedicated social worker in FCA’s Specialized Foster Care program.

With a passion for her role in the agency as well as the children with whom she works, she takes on extra tasks and volunteers on weekends to participate in adolescent vocational activities. Reid-James has been a mentor to her colleagues and is a highly sought-after case worker by foster families who know she provides tremendous support and compassion for the children in their care.

OPERATIONSINC WELCOMES DIRECTOR OF SALES OPERATIONS OperationsInc, one of the largest HR consulting firms in the country, has announced the addition of Debbie Lundstrom to the position of director of sales operations. Lundstrom joins the executive leadership team as part of the Norwalk-based consultancy’s continued expansion.

Lundstrom, a resident of Newtown, is a seasoned business-development professional with more than 25 years of experience in management, leadership, training, sales and business development in the consumer goods, marketing and advertising and staffing and recruiting industries. In her previous role, Lundstrom served as a branch manager for a large regional staffing firm where she focused on professional staffing through all lines of business in several different industries.

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BANKWELL CO-SPONSORS ‘FREE THE SHELTERS’

Maryne Robin

ABSOLUTE LOGIC NAMES VICE PRESIDENT OF OPERATIONS

From left: Robert Mallozzi III, senior vice president and director of business development and government affairs, Bankwell; Laura Waitz, executive vice president and chief of staff, Bankwell; Cathy Kangas, CEO, Prai Beauty; and Lucy French, assistant vice president and marketing manager, Bankwell.

Bankwell’s donation of $7,500 will go to supporting the Cathy Kangas Foundation in bringing awareness to the homeless pets in the community and finding them homes.

The event will take place on Father’s Day weekend — Friday, June 14 to Sunday, June 16. The schedule will be based on the schedule of the individual shelters. The Cathy Kangas Foundation will be covering all adoption fees at participating shelters.

With a mutual commitment for businesses, people and pets in their communities, Bankwell and Cathy Kangas have

forged a partnership.

Kangas, founder and CEO of Prai Beauty, has a passion for all animals, both big and small. As a beauty industry veteran, she founded Prai Beauty skincare products.

Her mission goes beyond her certified cruelty-free products. She donates a portion of each sale of her products to animal rescue initiatives throughout the U.S. Bankwell launched the Bankwell Pet Adoption Project three years ago. The project raises awareness about rescue animals by featuring photos and information

on billboards, ads, social media, the bank’s website and throughout all of the bank’s 12 branches. Since the launch of the program, adoption rates at local shelters spiked — with more than 85% of featured animals finding homes.

Laura Waitz, chief of staff at Bankwell, said, “This is not just a partnership, but a labor of love. With similar goals in mind, uniting can only help us achieve success sooner.”

More about the Cathy Kangas Foundation for Animals can be found at cathykangasfoundation.org.

ROCCO & ASSOCIATES TO BE PRESENTING SPONSOR OF FAIRFIELD POLICE SUNSET 5K Rocco & Associates Wealth Management Inc. of Fairfield will return as the presenting sponsor for the second annual Fairfield Police Sunset 5k Race, which will be held Wednesday, July 24, at Penfield Beach. This charity event will raise funds and awareness for two town-run agencies, the Fairfield Police Union Scholarship Fund and the Friends of the Bigelow Center for Senior Activities (a 501(c) (3) nonprofit volunteer organization).

The Fairfield Police Union Scholarship Fund was established in 2014 and benefits the children of Fairfield police officers. Each year, scholarships are awarded to the children of current Fairfield police officers. In addition, the Fairfield High School Scholarship Foundation awards scholarships annually to graduating Fairfield High School seniors who plan to pursue a career in law enforcement or are the children of a police officer.

The mission of “the Friends” is to provide funding for enhancements to the programs, services and facilities of the Senior Center of Fairfield. All proceeds will be divided equally between the two charities.

Last year the event raised over $23,000 for the two organizations.“Fairfield police

Absolute Logic, a Wilton-based firm providing technical support and technology consulting to Connecticut and New York businesses since 1991, announced the appointment of Maryne Robin of Stamford to the newly created position of vice president of operations.

In this role, she will work with company CEO Al Alper to develop and deliver strategies around technology and increased cybersecurity to protect data. She will fill this role for both Absolute Logic and its sister company CyberGuard360.

Robin, a native of France, brought her knowledge and passion for information technology to Connecticut and founded her own consultancy, Nantes Consulting, in 1999. Her Stamford-based company provided system design and implementation to a broad range of businesses with a strong focus on health care IT. Her previous experience included serving as vice president of strategy and development for U.S. Computer Connection in Stamford and before that as an IT consultant for Stamford Health.

GANIM FINANCIAL WELCOMES BUSINESS DEVELOPMENT MANAGER

Race organizers Eric Johnson, chief operating officer, Rocco & Associates, left, and Lieutenant Keith Broderick of the Fairfield Police Department. Photo courtesy of Steve Geaney.

officers and their union are a vital part of our community. We think there is no better way to give back to that community then to support the men and women who keep us safe and their children,” said Charlie Rocco, president and CEO. “In addition, The Bigelow Center for Senior Activities plays a critical role and offers valuable programs and outreach to the greater senior community,” said Rocco.

The idea for the inaugural race last year

was inspired by Lieutenant Keith Broderick of the Fairfield Police Department and Eric Johnson, chief operating officer, Rocco & Associates. To learn more about the race, the activities and to sign up, visit the registration site at fpdcops.com/5k.

To accommodate the runners and insure a smooth race with limited disruption to the area, the race directors have partnered with MS Running Productions, a statewide veteran race organization.

Matthew Gioglio, a Brookfield resident, has joined Ganim Financial as a business development manager where he will be quarterbacking initiatives for all specialty areas of focus as well as promoting the firm overall.

With a background in financial services dating back to 2013, Gioglio’s experience as a licensed agent, marketing manager and recruiter at companies like Northwestern Mutual and Mass Mutual give him unique exposure to the different facets of the financial-planning industry. In addition, Gioglio holds a Life and Health Insurance License and Series 6 and 63 licenses. Also, he serves as vice president of the Brookfield Chamber of Commerce and received the President’s Award for outstanding service in 2017.

Founded in 1985, Ganim Financial provides specialized employee benefits, wealth management and business-succession planning solutions for individuals and businesses of all sizes.

FROM BUTTERFLIES TO BATTLESHIPS

Candace Adams and Peg Koellmer.

REALTY SEVEN JOINS BERKSHIRE HATHAWAY HOMESERVICES Berkshire Hathaway HomeServices New England, New York and Westchester Properties announced its merger with Realty Seven, a residential real estate firm based in Wilton.

“Realty Seven is one of the most highly regarded independent brokerages in Fairfield County,” Candace Adams, Berkshire CEO and president, said. “The team’s rich local market expertise, combined with their proven track record of success, makes them a great addition to our growing network of sales professionals.”

A family-owned business founded in 1978, Realty Seven is one of the area’s most respected real estate firms, providing client services and a dedication to being a philanthropic partner in the community. This transaction brings 22 agents, who all live, work, raise their families and volunteer in the local community, to Berkshire Hathaway HomeServices New England Properties.

“Since our inception, Realty Seven has been dedicated to providing the highest service and integrity to our clients, guiding them through all of the stages of selling a home.

After meeting Candace and speaking with the Berkshire Hathaway HomeServices team, many of whom I’ve known for years, I knew this was the best opportunity to provide our team the resources and support to take client services to the next level,” said Peg Koellmer, owner/broker of Realty Seven.

The Japanese surrender at the end of World War II.

On view beginning Saturday, June 22, the exhibit Butterflies to Battleships will draw from the Bruce Museum Photography Collection to present a selection of work by four American photographers: Margaret Bourke-White; Carl Mydans; Patrick Nagatani; and Brett Weston. The exhibit will showcase the diversity of artistic and documentary approaches taken by photographers in the 20th century and demonstrate how they expanded on earlier experiments in portraiture, scientific record and photomontage.

Bourke-White (1904-1971) had a lifelong interest in the natural world. Selected for this exhibition is a collection of small-in-

sect portraits made in the 1930s in which butterflies, moths and praying mantises are hazily depicted in various stages of metamorphosis.

First trained as a reporter, acclaimed photojournalist Mydans (1906-2004) captured landmark events in the U.S., Europe and Asia over the course of 36 years as a staff photographer for LIFE magazine.

The exhibit includes two iconic photographs taken in 1945 while on assignment during World War II with General Douglas MacArthur.

By the time Nagatani (1945-2017) moved from California to New Mexico in 1987, he had already demonstrated a re-

markable talent for a clever layering of imagery to construct surreal photographic satires.

Son of pioneering photographer Edward Weston, Brett Weston (1911-1993) began taking pictures as a teenager while living in Mexico with his father. He would reach beyond the modernist aesthetic championed by his father to the brink of abstraction.

From Butterflies to Battleships: Selections from the Bruce Museum Photography Collection will be on view in the museum’s Arcade Gallery through Sept. 1. The Museum is grateful for exhibition support from The Charles M. and Deborah G. Royce Exhibition Fund and the Connecticut Office of the Arts.

PREPARING FOR BARNUM FESTIVAL

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Marty Schwartz of Fairfield, second from right, is serving as the 71st ringmaster of The Barnum Festival. He is pictured at the Barnum Festival’s Whip, Whistle & Watch Luncheon, which was hosted by the Bridgeport Holiday Inn & Conference Center. The luncheon marks the official kickoff of the

festival’s many events and the annual salute from the local business community. More than 220 business leaders were in attendance. Some of the dignitaries who attended the luncheon included: Robert D. Scinto, left, chairman of R.D. Scinto, a leader in Connecticut corporate real estate and the

Grand Parade marshal of the Great Street Parade; Cindi Bigelow, president and CEO of Bigelow Tea; and Michele Macauda, far right, retired from AT&T as the senior vice president, Business & Network Solutions IT. For festival information and tickets, visit BarnumFestival.com or 203-367-8495.

UNITED TECHNOLOGIES PRESENTS SUMMER GAMES Special Olympics Connecticut will host its 2019 Summer Games presented by United Technologies on Friday, June 7, through Sunday, June 9. Summer Games will offer athletes of all abilities from across the state the opportunity to compete in sports and demonstrate what they can achieve after training in their sport with their local team for a season. Competition in athletics (track and field), cycling, soccer, swimming and tennis will take place at Southern Connecticut State University at 200 Wintergreen Ave. in New Haven, the Yale Dewitt Cuyler Athletic Complex at 252 Derby Ave. in West Haven, Yale West Campus at 100 W. Campus Drive in Orange and Hamden Hall Country Day School Skiff Street Athletic Complex at 225 Skill St. in Hamden.

Opening Ceremonies will take place on Friday, June 7 at Southern Connecticut State University’s Jess Dow Field at 7:15 p.m. All events, including the opening ceremonies, are open to the public and free to attend.

For more information, including times and schedules, visit soct.org, email specialolympicsct@soct.org or call 203-230-1201. Also, follow Special Olympics Connecticut on Facebook, Twitter and Instagram.

NEW JUNIOR BOARD OF ADVISORS MEMBERS AT FAMILY & CHILDREN’S AGENCY Family & Children’s Agency (FCA) has welcomed three new members to its Junior Board of Advisors (JBA), a group of young professionals who help increase awareness of FCA through volunteering and fund-raising efforts.

Scott McCarthy of Fairfield joined the Junior Board in March. He serves as the program director for Special Education and Student Services for the Darien Public Schools.

Formerly, he was the department head for the psychologists of the Greenwich Public Schools, where he co-founded an after-school enrichment program targeting students who were economically disadvantaged.

Emily Floros of Stamford also joined the JBA in March. She works for Bridgewater Associates after having earned her degree in public policy from the University of Delaware.

Having lived nearly her entire life in Fairfield County, volunteering with an organization in the area is important to her.

Zachary Rynar of Stamford joined the JBA in January. An associate at the law firm Silver Golub & Teitell in Stamford, he previously worked as a lawyer for President Obama’s reelection, a Fellow on the United States Senate Foreign Relations Committee, and a senior adviser for U.S. Sen. Menendez in New Jersey, where he was involved in housing, community relations and Hurricane Sandy relief.

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Facts & Figures BUILDING PERMITS Commercial Paul Casey & Son Roofing LLC, Trumbull, contractor for 3-7 Island Brook LLC. Remove and replace flat roof at 3-7 Island Brook Ave., Bridgeport. Estimated cost: $39,000. Filed March 19.

A & L Contractors LLC, Waterbury, contractor for Hostus Casa.

Replace doors and windows at 690 Arctic St., Bridgeport. Estimated cost: $35,325. Filed April 1.

Antonioli, Thomas, New Rochester, New York, contractor for Thomas Antonioli. Perform an installation of bathroom at 679 Fairfield Ave., Bridgeport.

Estimated cost: $2,000. Filed March 25.

Casey Roofing, Shelton, contractor for SS Norden Swedish Board. Repair roof at 4 Seabright Ave., Bridgeport. Estimated cost: $10,000. Filed March 28.

City of Bridgeport, contractor for the city of Bridgeport.

Perform the construction of a room to be used for electrical purposes at 990 Housatonic Ave., Bridgeport. Estimated cost: $0.

Filed March 21.

Clark Construction, New Milford, contractor for CPCI LLC. Renovate convenience store at 1210 Madison Ave., Bridgeport.

Estimated cost: $125,000. Filed April 23.

Cohen, Jan, Bridgeport, contractor for 1558 Barnum Ave LLC. Remove demising wall at 1526 Barnum Ave., Bridgeport. Estimated cost: $7,000. Filed April 1.

Construction Services of Branford LLC, Branford, contractor for Condominium Inwood Association. Perform an addition for backup diesel generator at 3200 Park Ave. Bridgeport. Estimated cost: $61,600. Filed April 11.

Items appearing in the Fairfield County Business Journal’s On The Record section are compiled from various sources, including public records made available to the media by federal, state and municipal agencies and the court system. While every effort is made to ensure the accuracy of this information, no liability is assumed for errors or omissions. In the case of legal action, the records cited are open to public scrutiny and should be inspected before any action is taken.

Eastern Communications Corp., Bloomfield, contractor for Housing Sycamore. Remove cabinets, install backup generator at 285 Maplewood Ave., Bridgeport.

Estimated cost: $73,250. Filed March 20.

Iranbo Inc., Northvale, New Jersey, contractor for cell tower lease Acquisition LLC. Remove and replace antennas at 1330 Chopsey Hill, Bridgeport.

Estimated cost: $25,000. Filed March 29.

Kloter, Ellington, contractor for Connecticut Beardsley Zoo. Erect prefabricated storage building at 1875 Noble Ave., Bridgeport.

Estimated cost: $40,000. Filed March 29.

Nelson Construction, Cromwell contractor for Greater Saint John Church. Re-roof 804 Fairfield Ave., Bridgeport. Estimated cost: $14,500. Filed March 25.

Norwalk Tent Co., Norwalk, contractor for Holy Trinity Greek Orthodox Church. Erect temporary tents for annual Greek Festival at 4070 Park Ave., Bridgeport. Estimated cost: N/A. Filed April 3.

Pambianchi, Robert, Bridgeport, contractor for Robert Pambianchi. Convert storage to retail space for barber shop at 310 Iranistan Ave., Bridgeport.

Estimated cost: $20,000. Filed April 2.

Paul Davis Restoration, Ridgefield, contractor for Specifications Plating Inc. Repair masonry at 740 Seaview Ave., Bridgeport.

Estimated cost: $60,000. Filed April 15.

PGP Entertainment LLC, Bridgeport, contractor for PGP Entertainment LLC. Install new exterior door at 1691 Main St., Bridgeport. Estimated cost: $500.

Filed March 25.

Turner Construction, Shelton, contractor for Bridgeport Hospital. Remove condenser risers and replace with new risers at 267 Grant St., Bridgeport. Estimated cost: $2,417,100. Filed April 12.

Vergules, Rodica, Bridgeport, contractor for Rodica Vergules.

Change of use to daycare at 789 Reservoir Ave., Bridgeport. Estimated cost: $5,000. Filed April 4.

WRL Construction Corp., Rego Park, New York, contractor for Tian Mou Zheng. Install seven security gates at 316 Wood Ave., Bridgeport. Estimated cost: $8,000. Filed March 25.

Questions and comments regarding this section should be directed to: Bob Rozycki c/o Westfair Communications Inc. 701 Westchester Ave, Suite 100 J White Plains, N.Y. 10604-3407 Phone: 694-3600 • Fax: 694-3699

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ON THE RECORD

Zaman, Annaf, Naugatuck, contractor for 815 Lafayette Centre LLC. Alter apace for new tenant at 815 Lafayette Blvd, Bridgeport.

Estimated cost: $6,000. Filed March 15.

Galvez, Luz Bridgeport, contractor for Luz Galvez. Legalize two apartments in carriage house at 831 Hancock Ave., Bridgeport.

Estimated cost: $10,000. Filed March 19.

Residential

Galvez, Luz Bridgeport, contractor for Luz Galvez.

Finish basement, bathroom and laundry room at 1590 Fairfield Ave., Bridgeport. Estimated cost: $3,500. Filed March 19.

Aequity Holdings LLC, New Canaan, contractor for Aequity Holdings LLC. Re-roof, replace windows, move walls, create closets and repair stair boards at 415 Hollister Ave., Bridgeport.

Estimated cost: $69,800. Filed March 22.

Aranjo, Ronaldo, Monroe, contractor for Dennis Davante. Repair brick chimney at 291 Harral Ave., Bridgeport. Estimated cost: $1,200. Filed March 25.

Bazilev, Igor, Bridgeport, contractor for Igor Bazilev. Remove old garage and build new car garage at 660 W. Taft Ave., Bridgeport. Estimated cost: $12,000.

Filed April 2.

Better Built Basements, Berlin, contractor for Jorge Ortiz. Finish family room and full bath at 551 Courtland Ave., Bridgeport.

Estimated cost: $22,000. Filed March 21.

Better Properties LLC, Bridgeport, contractor for Better Properties LLC. Remodel kitchen at 247 Dexter St., Bridgeport.

Estimated cost: $23,500. Filed March 28.

Borges, Fernando, Bridgeport, contractor for Fernando Borges.

Install wood-burning stove at 615 Goldenrod Ave., Bridgeport.

Estimated cost: $3,000. Filed April 5.

Campoverde, Carlos, Bridgeport, contractor for Carlos Campoverde. Renovate roof rafters, re-roof and replace siding and three windows at 758 Maple St., Bridgeport. Estimated cost: $18,000. Filed April 9.

Chow, Godwin, Bridgeport, contractor for Godwin Chow.

Build a car garage at 2450 North Ave., Bridgeport. Estimated cost: $20,000. Filed April 10.

Duane Trevail, Newtown, contractor for Sabine and Christopher Januski. Alter bathroom at 445 Hooker Road, Bridgeport.

Estimated cost: $10,600. Filed April 5.

ES Construction, Bridgeport, contractor for HFH LLC. Re-roof 57 Taft Ave., Bridgeport. Estimated cost: $12,000. Filed March 26.

Hogan’s Handyman Services, Oxford, contractor for Aequity Holdings LLC. Install kitchen cabinets, shed dormer, roof at front entrance and full bath at 518 Queen St., Bridgeport. Estimated cost: $40,000. Filed Mach 25.

Kiernan, Robert, Fairfield, contractor for Scott Burns. Remodel bathroom at 29 Grover’s Ave., Bridgeport. Estimated cost: $10,000. Filed March 26.

LC Home Improvement, Bridgeport, contractor for Beverly Mack. Build deck at 285 Dayton Road, Bridgeport. Estimated cost: $2,000. Filed April 23.

LC Home Improvement, Bridgeport, contractor for Eileen Vasquez. Build deck at 287 Dayton Road, Bridgeport. Estimated cost: $2,000. Filed April 23.

Makula Construction, Bridgeport, contractor for Teodoro Maykel. Build new single-family dwelling at 67 Hallock St., Bridgeport. Estimated cost: $155,000.

Filed April 8.

Maldonado, Julia, Bridgeport, contractor for Julia Maldonado.

Construct dormer at 585 Pond St., Bridgeport. Estimated cost: $7,800. Filed March 25.

Matuk, Irma, Fairfield, contractor for Irma Matuk. Split apartment into two units at 80 Cartright St., Unit 3 D-E, Bridgeport. Estimated cost: $500. Filed March 22.

Momentum Solar, Stamford, contractor for Jennifer Longmore. Re-roof 33 Eastwood Road, Bridgeport. Estimated cost: $7,882. Filed April 5.

Preference Construction, Bridgeport, contractor for Cheryl Bernard. Re-roof 112 Poplar St., Bridgeport. Estimated cost: $14,000. Filed March 26.

Pro Custom Solar, Stamford, contractor for Paul Anne. Re-roof 158 Hillcrest Road, Bridgeport.

Estimated cost: $5,400. Filed March 20.

R&F Services of Connecticut LLC, West Palm Beach, Florida, contractor for Connecticut Watermark 3030 Park LLC. Open temporary joined units 2018/2019 at 3030 Park Ave., Bridgeport. Estimated cost: $1,850. Filed March 29.

R&S Home Improvement, Trumbull, contractor for Irwin Berger. Build shed dormer at 75 Roslyn Terrace, Bridgeport.

Estimated cost: $8,800. Filed March 21.

RBC Carpentry LLC, Shelton, contractor for Antonio Martins.

Convert single-car garage into two bedrooms at 55 Tina Circle, Bridgeport. Estimated cost: $24,000. Filed March 25.

RBC Carpentry LLC, Shelton, contractor for Alicia Pontes.

Construct dormer, modify attic and replace roof at 165 Anton St., Bridgeport. Estimated cost: $20,000. Filed March 25.

Sears Home Improvement, Thompson, contractor for Jonathan Castillo. Remodel kitchen at 696 W.Taft Ave., Bridgeport.

Estimated cost: $28,345. Filed April 8.

Vieira, Emerson, Bridgeport, contractor for Emerson Vieira.

Remove wall at 637 Goldenrod Ave., Bridgeport. Estimated cost: $700. Filed April 9.

Vima Construction, Bristol, contractor for John McRae. Reroof 183 Thorme St., Bridgeport.

Estimated cost: $11,733. Filed March 27.

Watson, Tom, Trumbull, contractor for Art & Gala Alexander.

Remodel kitchen at 3200 Park Ave., 8E1, Bridgeport. Estimated cost: $19,680. Filed April 9.

COURT CASES Bridgeport Superior Court Bruno, Anthony, et al, Bethel.

Filed by Shelley Kadish, Trumbull. Plaintiff’s attorney: Miller Rosnick D’Amico August & Butler P, Bridgeport. Action: The plaintiff suffered a collision caused by the defendants and sustained severe and painful personal injuries. The plaintiff seeks monetary damages in excess of $15,000, exclusive of interest and costs and such other and further relief as the court deems appropriate.

Case no. FBT-CV-19-6085101-S. Filed April 16.

Capozziello, Ryan, et al, Fairfield. Filed by Allison Loder, Greensborg, Georgia. Plaintiff’s attorney: Koskoff Koskoff & Bieder PC, Bridgeport. Action: The plaintiff was a passenger of the defendants when they suffered a collision allegedly caused by the defendant’s reckless disregard for safety. Plaintiff sustained severe and painful personal injuries. The plaintiff seeks monetary damages in excess of $15,000, exclusive of interest and costs and such other and further relief as the court deems appropriate.

Case no. FBT-CV-19-6085327-S. Filed April 24.

Debone, James, et al, Bridgeport. Filed by Rosa Aleman, Bridgeport. Plaintiff’s attorney: Bradley Denkovich & Karayiannis PC, Bridgeport. Action: The plaintiff suffered a collision caused by the defendants and sustained severe and painful personal injuries. The plaintiff seeks monetary damages in excess of $15,000, exclusive of interest and costs and such other and further relief as the court deems appropriate.

Case no. FBT-CV-19-6082856-S. Filed Jan. 29.

Johnson, Shavonne, East Haven. Filed by Victoria Rincon, Bridgeport. Plaintiff’s attorney: Carter Mario Injury Lawyers, North Haven. Action: The plaintiff suffered a collision caused by the defendant and sustained severe and painful personal injuries. The plaintiff seeks monetary damages in excess of $15,000, exclusive of interest and costs and such other and further relief as the court deems appropriate.

Case no. FBT-CV-19-6083205-S. Filed Feb. 13.

Mejias, Shannel, et al, Stratford. Filed by Vinall Demetrius, Bridgeport. Plaintiff’s attorney: Paul Joseph Ganim, Bridgeport. The plaintiff suffered a collision allegedly caused by the defendants and sustained severe and painful personal injuries.

The plaintiff seeks monetary damages in excess of $15,000, exclusive of interest and costs and such other and further relief as the court deems appropriate.

Case no. FBT-CV-19-6085608-S. Filed May 1.

Danbury Superior Court Bonos Jr., Anthony, et al, Bethel. Filed by Arrowood Condominium Association Inc., Danbury. Plaintiff’s attorney: Frankel & Berg, Norwalk. The plaintiff provides assessment of common expenses in all units in a condominium where the defendants are owners of one of the units. The defendants have an outstanding balance due for common assessments, inclusive of late fees and charges. The plaintiff claims a foreclosure of the condominium, possession of the premises, monetary damages in excess of $2,500, exclusive of interest and costs and such other and further relief as the court deems appropriate.

Facts & Figures Brown, Julia C., Austin, Texas.

Filed by Aurelian Pop, Seymour.

Plaintiff’s attorney: Andrew J Pianka, Seymour. The plaintiff suffered a collision allegedly caused by the defendant and sustained severe and painful personal injuries. The plaintiff seeks monetary damages in excess of $15,000, exclusive of interest and costs and such other and further relief as the court deems appropriate.

Connolly, Linda D., et al, New Fairfield. Filed by Freedom Mortgage Corp., Mount Laurel, New Jersey. Plaintiff’s attorney: Bendett & McHugh PC, Farmington. Action: The plaintiff is the owner of a mortgage for which the defendants failed to pay the installments of principal and interest. The plaintiff claims foreclosure of the mortgage, immediate possession of the premises, monetary damages in excess of $15,000, exclusive of interest and costs and such other and further relief as the court deems appropriate.

Encarnacion, Jonathan, Danbury. Filed by Nations Direct Mortgage LLC, Lake Zurich, Illinois. Plaintiff’s attorney: Bendett & McHugh PC, Farmington. The plaintiff is the owner of a mortgage that the defendant failed to pay installments of principal and interest. The plaintiff claims foreclosure of the mortgage and immediate possession of the premises, monetary damages in excess of $15,000, exclusive of interest and costs and such other and further relief as the court deems appropriate.

Halladeen, Melissa J., et al, New Milford. Filed by Lisa M. Braguez, Danbury. Plaintiff’s attorney: Smart Donohue & Nejame PC, Danbury. Action: The plaintiff suffered a collision allegedly caused by the defendants and sustained severe and painful personal injuries. The plaintiff seeks monetary damages in excess of $15,000, exclusive of interest and costs and such other and further relief as the court deems appropriate.

Stamford Superior Court Darien Board of Education, et al, Darien. Filed by Lisa Meier, et al, Darien. Plaintiffs’ attorney: Casper & Detoledo LLC, Stamford. The plaintiffs suffered a concussion under the supervision of the defendants’ employees. Thereafter, despite the plaintiffs’ injury, the defendants did not alert the school nurse or the parents. As a result, the plaintiffs were forced to suffer painful and severe injuries.

The plaintiffs seek monetary damages in excess of $15,000, exclusive of interest and costs and such other and further relief as the court deems appropriate.

Case no. FST-CV-19-6040334-S. Filed March 5.

Horman-Kantor, Gail A., et al, Norwalk. Filed by Shirley Wilson, Bridgeport. Plaintiff’s attorney: DePanfilis & Vallerie, Norwalk. The plaintiff suffered a collision allegedly caused by the defendants and sustained severe and painful personal injuries.

The plaintiff seeks monetary damages in excess of $15,000, exclusive of interest and costs and such other and further relief as the court deems appropriate.

Case no. FST-CV-19-6040453-S. Filed March 13.

Litt, Michel, et al, Norwalk.

Filed by Dale Carnegie, Norwalk.

Plaintiff’s attorney: Goff Law Group LLC, Hartford. The plaintiff suffered a collision allegedly caused by the defendant and sustained severe and painful personal injuries. The plaintiff seeks monetary damages in excess of $15,000, exclusive of interest and costs and such other and further relief as the court deems appropriate. Case no. FST-CV-196040372-S. Filed March 6.

Marriot International Inc., et al, East Hartford. Filed by Michael Mangual, Stamford.

Plaintiff’s attorney: McCoy & McCoy LLC, Hartford. Action: The plaintiff suffered a fall due to a defective and unsafe conditions.

The defendants manage and controll the premises where the plaintiff fell. As a result of the negligence of the defendants, the plaintiff suffered severe injuries.

The plaintiff seeks monetary damages in excess of $15,000, exclusive of interest and costs.

Case no. FST-CV-19-6040770-S. Filed April 3.

DEEDS Commercial 3 Khakum Wood Acquisition LLC, West Palm Beach, Florida.

Seller: Ellen M. Cunningham, Palm Beach, Florida. Property: 3 Khakum Wood Road, Bridgeport.

Amount: $4,375,000. Filed May 3.

36 Decatur LLC, Greenwich.

Seller: 36 Decatur Street LLC, Greenwich. Property: 36 Decatur St., Greenwich. Amount: $1,260,000. Filed May 17.

Arhauz LLC, Fairfield. Seller: Bank of America NA, Anaheim, California. Property: Unit 239, Riverwalk Condominium, Bridgeport. Amount: $107,000.

Filed May 1.

Breezemont 25, LLC, Old Greenwich. Seller: Carol Winick and Meryl Winick, Old Greenwich. Property: Lot 70, Map 2, Greenwich. Amount: $1,165,000.

Filed May 9.

Klausenrennen LLC, Greenwich. Seller: TCP Realty LLC, Greenwich. Property: 222 Pemberwick Road, Greenwich.

Amount: $1. Filed May 13.

Dupon, Stephen, Stamford.

Seller: John A. Shulman, Cos cob.

Property: 32 Mimosa Drive, Cos Cob. Amount: $1. Filed May 8.

Serena D. DuBois Revocable Trust, Greenwich. Seller: Serena D. DuBois, Greenwich. Property: 40 Bruce Park Drive, Greenwich.

Amount: $1. Filed May 9.

Evoy, Roger Brinton and Elizabeth Susan Evoy, Riverside.

Seller: Andy Barr and Alyssa Barr, Old Greenwich. Property: 5 WestEnd Ave., Old Greenwich.

Amount: $1,200,000. Filed May 10.

Strategic Properties LLC, Trumbull. Seller: Diane Camara, Stratford. Property: 431 Birmingham St. Bridgeport. Amount: $180,799. Filed May 1.

The Nomie Trust, New York, New York. Seller: Patricia Laskawy and Philip Laskawy, Greenwich. Property: Creamer Hill Road, Greenwich. Amount: $10. Filed May 15.

Residential Bohorquez, Luis and Wanda Bohorquez, Norwalk. Seller: Bank of America NA, Houston, Texas. Property: 20 Teresa Place, Unit 38, Bridgeport. Amount: $71,000. Filed May 1.

Brown, Noreen and Coureen Faith Burnett, Brooklyn, New York. Seller: Janusz Ewertowski, Bridgeport. Property: 557 Wilmot Ave., Bridgeport. Amount: $22,000. Filed May 1.

Callaghan, Brittany and Brian T. Duwan, Armonk, New York.

Seller: Lysa Flanz Ginsberg, Greenwich. Property: 56 Sherwood Place, Unit 9, Greenwich.

Amount: $945,000. Filed May 14.

Cardona, Julian A. and Francy E. Velez-Duque, Bridgeport.

Seller: Emerson DosSantos, Bridgeport. Property: 637 Goldenrod Ave., Bridgeport. Amount: $245,000. Filed May 1.

Chang, Clinton W. and Jee O. Chang, Darien. Seller: Kenneth M. Corriveau and Pamela M. Corriveau, Riverside. Property: Lot 2, Orchard Road, Greenwich.

Amount: $1. Filed May 15.

Ciambra, Michel and Trisha Tozzi, Greenwich. Seller: Leonard B. MacKey and Katherine MacKey, Greenwich. Property: 16 Byram Dock St., Greenwich.

Amount: $1. Filed May 3.

Costa DaSilva, Adriano, Bridgeport. Seller: Angel L. Garcia and Carmen L. Garcia, Tampa, Florida. Property: 124 Harmony St., Bridgeport. Amount: $180.

Filed May 1.

Lebowitz Matthew A. and Olivia Sarah Haverson, Greenwich. Seller: Paul J. D’Avanzo, Greenwich. Property: 17 Richland Road, Greenwich. Amount: $589,000. Filed May 3.

Reilly, Kristin and Carlo Bigi, New York, New York. Seller: Alberto Ferrer, Greenwich.

Property: 34 Hettiefred Road, Greenwich. Amount: $1. Filed May 9.

LoParco, Steven, Greenwich.

Seller: Blanche LoParco and Mauro LoParco, Greenwich.

Property: 12 Charles St., Greenwich. Amount: $1. Filed May 6.

Reyes, William, Port Chester, New York. Seller: Mohamed Daoud and Sarah Daoud, Greenwich. Property: 25 Hollow Wood Lane, Greenwich. Amount: $628,000. Filed May 2.

Fikes, Elizabeth and Jeffrey N. Ford, Cos Cob. Seller: Thomas C. Corson and Susan W. Corson, Greenwich. Property: 90 Orchard Drive, Greenwich. Amount: $2,500,000. Filed May 16.

Macaluso, Jennifer, Old Greenwich. Seller: Wateredge Corp., Stamford. Property: 1525 E. Putnam Ave., Garage Unit 56, Greenwich. Amount: $40,000.

Filed May 15.

Sousa, Jairo F. and Heryka Sousa, Bridgeport. Seller: Gilson Ferreira Sousa, Bridgeport. Property: 84 E.Thorme St., Bridgeport.

Amount: $250,000. Filed May 1.

Gaffney, Megan and Tyler Gaffney, Greenwich. Seller: Andra W. Newman and Elliot W. Newman, Greenwich. Property: 7 Perryridge Road, Greenwich.

Amount: $2,300,000. Filed May 2.

Mariucci, Adam and Sarah Mariucci, New York, New York.

Seller: 51 Sheephill LLC, Greenwich. Property: 51 Sheephill Road, Riverside. Amount: $1. Filed May 13.

Tanney Billie-Jean, Greenwich.

Seller: Michael S. Tanney and Billie-Jean Tanney, Greenwich.

Property: Unit 507, Hawthorne Condominium, Greenwich.

Amount: $0. Filed May 6.

Gupta, Vikas and Ritu Gupta, Greenwich. Seller: Sergey Kosyakov and Irina Kosyakova, Greenwich. Property: 19 Sunshine Ave., Riverside. Amount: N/A. Filed May 13.

Masone, Gregory Carl, Greenwich. Seller: Rodion Davydov, Greenwich. Property: 150 Prospect St., Unit 16, Greenwich.

Amount: $0. Filed May 15.

Thomas, Elisabeth C. and Devin J. Thomas, Stamford.

Seller: 130 Hendrie Avenue LLC, Riverside. Property: 130 Hendrie Ave., Riverside. Amount: $1,950,000. Filed May 3.

Guzman, Santiago A. and Samantha D. Milligan, Greenwich. Seller: 9 Wyndover Lane LLC, Greenwich. Property: 9 Wyndover Lane, Greenwich.

Amount: $1,430,000. Filed May 15.

Herzog, Raymond, Plano, Texas. Seller: SDF Capital LLC, Mamaroneck, New York. Property: 235 Park St., Bridgeport. Amount: $32,000. Filed May 1.

Iversen, Annette, Cos Cob. Seller: Nello Frattaroli, Greenwich. Property: 71 Valley Road, Unit 1, Cos cob. Amount: $1. Filed May 10.

Jarufe, Faiz Johnny, Greenwich.

Seller: Michael Anthony Wells and Claudia AB Wells, Stamford.

Property: 63 Indian Harbor Drive, Unit 4, Greenwich. Amount: $800,000. Filed May 16.

Minchala, Luis, Corona, New York. Seller: Alpha Fang LLC, Great Neck, New York. Property: 82 Benham Ave., Bridgeport.

Amount: $180,000. Filed May 1.

Muhlbaum, Carin, Hartsdale, New York, Seller: Charles E. Velenovsk, Greenwich. Property: 16 Windy Knolls, Unit B, Greenwich.

Amount: $870,000. Filed May 8.

O’Brien, Kaitlin F., White Plains, New York. Seller: 15 LeGrande No. 6, LLC. Greenwich.

Property: Unit 6, Green Glen Condominium, Greenwich. Amount: $640,000. Filed May 17.

Palmer, William Donald and Mark Brian Palmer, Greenwich. Seller: Linda A. Fiorito, Greenwich. Property: 2 Homestead Lane, Unit 206, Greenwich.

Amount: $350,000. Filed May 8.

Kim, Anna and John H. Kim, Greenwich. Seller: Thomas F. Feda and Laura A. Feda, Greenwich. Property: 14 Anderson Road, Greenwich. Amount: $3,900,000. Filed May 16.

Koven, Robert and Rachel Koven, Greenwich. Seller: Jason R. Finger and Stefanie Finger, Pacific Palisades, California. Property: 95 Stanwich Road, Greenwich.

Amount: $10. Filed May 16, Krause, Curtis M. and Julia C. Galotto, Old Greenwich. Seller: Matthew B. Mooney, Old Greenwich. Property: 1 Old Club House Road, Old Greenwich. Amount: $2,075,000. Filed May 17.

Associate, Product Researcher (Greenwich, CT): Perform financial research and analysis with a focus on portfolio construction and design to support complex quantitative strategies related to global stock selection and asset allocation.

Perform quantitative and portfolio analytics. Write code for financial analysis in R, Python, Slang, Perl, or Matlab programming languages. Work with database and SQL, as well as Bloomberg. Work with optimization and portfolio implementation. Req’s Bachelor’s degr plus 3 yrs exp. Mail resume to: AQR Capital Management, LLC, ATTN: S. Rao, 2 Greenwich Plaza, Greenwich, CT 06830. Must Ref: D021.

Associate, Global Asset Allocation (Greenwich, CT): Perform financial research and analysis to support the application of macro-trading strategies. Research strategies with respect to country and currency selection, fixed income arbitrage, and commodities and credit strategies. Work with portfolio optimization theory and quantitative portfolio construction techniques including mean variance optimization. Create quantitative forecasting models using scripting languages including Python, MATLAB, R, or SAS. Work with SQL and financial mathematics, including the valuation and analysis of fixed income instruments and options. Req’s Bachelor’s degr plus 2 yrs exp. Mail resume to: AQR Capital Management, LLC, ATTN: S. Rao, 2 Greenwich Plaza, Greenwich, CT 06830. Must Ref: D025.

FCBJ

JUNE 3, 2019

21

Facts & Figures Tulipane, Juliann M., Old Greenwich. Seller: Joshua Siegel Katz and Colleen Cary Katz, Greenwich. Property: 46 Tomac Ave., Old Greenwich. Amount: $10. Filed May 6.

Fulton, Christopher T., et al. Creditor: Ditech Financial LLC, Greenville, South Carolina.

Property: 1222 Chopsey Hill Road, Bridgeport. Mortgage default.

Filed Feb. 26.

Vilasboa, Lunny C., Stratford.

Seller: Secretary of Housing and Urban Development, Washington, D.C. Property: 126 Douglas St., Bridgeport. Amount: $145,000.

Filed May 1.

Garrison, Michael K., et al.

Creditor: Wilmington Savings Fund Society, Irvine, California.

Property: 205 Eckart St., Bridgeport. Mortgage default. Filed Feb. 27.

Ward, Mary Lou and Keith R. Ward, Greenwich. Seller: Mary Lou Ward, Greenwich. Property: Unit 3A, Fairfield House Condominium, Greenwich. Amount: $1.

Filed May 13.

Gold, Diane, et al. Creditor: Benchmark Municipal Tax Services LTD, Bridgeport.

Property: 2625 Park Ave., Unit 2G, Bridgeport. Mortgage default.

Filed Feb. 27.

Watson, Matthew C., et al, Cos Cob. Seller: Edward S. Mortimer and Joanne L. Mortimer, Greenwich. Property: 7 Cottontail Road, Cos Cob. Amount: $10. Filed May 15.

Paul, Amrik L., et al. Creditor: Nationstar Mortgage LLC, Coppell, Texas. Property: 141-143 Arthur St., Bridgeport. Mortgage default. Filed Feb. 28.

FORECLOSURES

Rosa, Dora C., et al. Creditor: Ditech Financial LLC, Tampa, Florida. Property: 38 Nob Hill Circle, Bridgeport. Mortgage default.

Filed March 1.

Alcaide, Jonathan, et al. Creditor: M&T Bank, Buffalo, New York.

Property: 2625 Park Ave., Unit 5P, Bridgeport. Mortgage default.

Filed Feb. 28.

Aloisio, Valerie, et al, Creditor: Wilmington Trust National Association, Carrollton, Texas.

Property: 200 Woodmont Ave., Unit 121, Bridgeport. Mortgage default. Filed Feb. 25.

Clarke, Carlinton H., et al.

Creditor: Carrington Mortgage Services LLC, Anaheim, California. Property: 393 Laurel Ave., Unit 406, Bridgeport. Mortgage default. Filed March 8.

Darlington, Elvis, et al. Creditor: CitiMortgage Inc., O’Fallon, Montana. Property: 134-136 Read St., Bridgeport. Mortgage default.

Filed March 7.

Dumas, Martin. Creditor: MTGLQ Investors, LP, Greenville, South Carolina. Property: 1 Armstrong Place, Bridgeport.

Mortgage default. Filed March 8.

Eaton Investments LLC. Creditor: Lendinghome Funding Corp., Anaheim Hills, California.

Property: 1045-1047 Hancock Ave., Bridgeport. Mortgage default. Filed March 6.

Fenton, Christopher I. Creditor: Connecticut Housing Finance Authority, Owensboro, Kentucky. Property: 325 Lafayette St., Unit 8211, Bridgeport. Mortgage default. Filed Feb. 26.

Forti, Dawn M. Creditor: Lakeview Loan Servicing LLC., Virginia Beach, Virginia. Property: 36 Foster Square, Bridgeport.

Mortgage default. Filed Feb. 25.

22

JUNE 3, 2019

Smith, Donovan C., et al. Creditor: US Bank National Association, Irvine, California. Property: 135 Prince St., Bridgeport. Mortgage default. Filed March 1.

Smith-Wright, Jacqueline, et al. Creditor: US Bank Trust National Association, Eureka, California. Property: 129 Pitt St., Bridgeport. Mortgage default.

Filed March 8.

JUDGMENTS Akins, Leon, Stamford. $2,291, in favor of Midland Funding LLC, San Diego, California, by the Law Offices of Howard Lee SchifPC, East Hartford. Property: 178 Seaton Road, Unit 1, Stamford.

Filed April 4.

Bertrand, Adwins, Stamford. $6,356, in favor of Portfolio Recovery Associates LLC, Norfolk, Virginia, by the Law Offices of Howard Lee Schiff PC, East Hartford. Property: 441 Rock Rimmon Road, Stamford. Filed March 18.

Fenske, Cheree, Stamford. $1,563, in favor of Midland Funding LLC, San Diego, California, by the Law Offices of Howard Lee Schiff PC, East Hartford. Property: 103 Rock Spring Road, Unit 2A, Stamford. Filed March 18.

Grilande, Paul, Stamford. $10,431, in favor of Bank of America NA, Charlotte, North Carolina,

by Rubin & Rothman LLC, Islandia, New York. Property: 70 Dale St., Stamford. Filed April 1.

Hamilton, Evon, Stamford. $3,799, in favor of US, Equities Corp., South Salem, New York,

by Linda Strumpf, New Canaan.

Property: 11 Finney Lane, No. 4, Stamford. Filed April 29.

FCBJ

Hasan, Amin, Stamford. $9,506, in favor of Bank of America NA, Charlotte, North Carolina, by the Law Offices of Howard Lee Schiff PC, East Hartford. Property: 87 Snow Crystal Lane, Stamford.

Filed March 18.

Holley, Carol, Stamford. $7,590, in favor of Stamford Postal Employees Federal Credit Union, Stamford, by Fiore and Fiore PC. Norwalk. Property: 19 Victory St., Stamford. Filed March 15.

Johnson, Steven, Stamford. $1,247, in favor of TD Bank USA, NA, Brooklyn Park, Minnesota, by the Law Offices of Howard Lee Schiff PC, East Hartford. Property: 125 Prospect St., Unit 4F, Stamford. Filed March 28.

KNB Properties LLC, et al, Waterbury. $275,434, in favor of National Cooperative Bank, Arlington, Virginia, by Ford & Paulekas LLP, Hartford. Property: 3 Old Wagon Road, Stamford.

Filed April 12.

Lafleur, Yves M., Stamford. $66,726, in favor of American Express National Bank, Salt Lake City, Utah, by Kristen A. Mazur, Stamford. Property: 92 Rock Spring Road, Stamford. Filed May 6.

Lemus, Elbert D., Stamford. $4,496, in favor of US, Equities Corp., South Salem, New York,

by Linda Strumpf, New Canaan.

Property: 506 W. Main St., Stamford. Filed March 18.

Lockley, Carolyn Y., Bridgeport. $11,175, in favor of Bank of America NA, Charlotte, North Carolina, by the Law Offices of Howard Lee Schiff PC, East Hartford. Property: 88 Manhattan Ave. Bridgeport. Filed March 26.

Prieto, Edward, Stamford. $1,695, in favor of Midland Funding LLC, San Diego, California, by the Law Offices of Howard Lee Schiff PC, East Hartford. Property: 30 Alpine St., Stamford. Filed April 4.

Sherman, John C., Stamford. $12,627, in favor of Discover Bank, New Albany, Ohio, by Schereiber/ Cohen LLC, Salem, New Hampshire. Property: 455 Hope St. Unit 4F, Stamford. Filed April 29.

Silvers, S T, Stamford. $15,486, in favor of Unifund Corp., Westbrook, by Calistro & Airone LLC, Westbrook. Property: 71 Strawberry Hill Ave., Unit 301, Stamford. Filed April 4.

Stebbins, Penelope, Belmont, California. $5,651, in favor of Kathy McBain, Old Greenwich, by the Law Offices of Peter V. Lathouris LLC, Stamford. Property: 43 Ridgeway Drive, Stamford.

Filed April 1.

Timmons, Dean S., Bridgeport. $1,459, in favor of Bank of America NA, Charlotte, North Carolina, by the Law Offices of Howard Lee Schiff PC, East Hartford. Property: 76 Bassick Ave., Bridgeport. Filed March 26.

LIENS Federal Tax Liens Filed Alamgir, Mohammed, 608 Cove Road, Stamford. $6,800, civil proceeding tax. Filed May 6.

Allen, Priscilla, 28-2 Courtland Ave., Stamford. $2,500, civil proceeding tax. Filed April 30.

Bovine, Joseph and Mireille Bovine, 31 Shagbark Lane, Fairfield. $22,911, civil proceeding tax. Filed March 25.

Crow, John C. and Susan L. Crow, 47 Pepper Ridge Road, Stamford. $10,400, civil proceeding tax. Filed May 6.

DePietro, Carol P., 60 New St., Fairfield. $9,332, civil proceeding tax. Filed March 28.

DeQuattro, Paul and Janice DeQuattro, 2490 Black Rock Turnpike, No. 417, Fairfield. $42,811, civil proceeding tax. Filed March 28.

DeQuattro, Paul, 2490 Black Rock Turnpike, No. 417, Fairfield. $3,351, civil proceeding tax. Filed March 28.

Ferguson, Michael, 700 Lakeside Drive, Bridgeport. $2,930, civil proceeding tax. Filed April 9.

Grasso, Jr. Joseph and S. Iafeliece, 63 Leslie Lane, Fairfield. $24,578, civil proceeding tax.

Filed March 28.

Johnson, Nay Twaun B., 46 Berkshire Ave., Bridgeport. $112, civil proceeding tax. Filed April 9.

Julian Development LLC, 418 Meadow St., No. 203, Fairfield. $57,488, civil proceeding tax.

Filed March 28.

Lopes, Vicente, 595 William St., Bridgeport. $166, civil proceeding tax. Filed April 9.

Martinez, Yashon, 695 William St., Bridgeport. $78, civil proceeding tax. Filed April 9.

McGowan, Matthew and Jennifer McGowan, 257 Eastlawn St., Fairfield. $26,672, civil proceeding tax. Filed March 28.

Nielsen, Jeffrey T., P.O. Box 115, Fairfield. $2,925, civil proceeding tax. Filed March 28.

Ortiz, Jesus, 667 William St., Bridgeport. $529, civil proceeding tax. Filed April 9.

Strong, Eric and Martine Strong, 14 Hickory Drive, Stamford. $1,979, civil proceeding tax.

Filed May 8.

Thompson, Joyce L., 688 Brooks St., Bridgeport. $3,131, civil proceeding tax. Filed April 9.

Vasquez, Manuel, 132 Berkshire Ave., Bridgeport. $416, civil proceeding tax. Filed April 9.

Veno, Delores, 25 John St., Southport. $4,092, civil proceeding tax. Filed March 25.

LIS PENDENS Harris, Jason and Joseph Pascarelli, Norwalk. Filed by Glass & Braus LLC, Fairfield, for Wei Mortgage LLC. Property: 1 Burr Place, Norwalk. Action: foreclose defendant’s mortgage.

Filed April 1.

Warren, James E., et al, Norwalk. Filed by Milford Law LLC, Milford, for Nationstar Mortgage LLC. Property: 9 Sable St., Norwalk. Action: foreclosure of defendant’s mortgage from plaintiff. Filed April 12.

Sanangelo, Marc R., et al, Norwalk. Filed by McCalla Raymer Leibert Pierce LLC, Hartford, for CMG Mortgage Inc. Property: 34 Dairy Farm Road, Norwalk.

Action: foreclose defendant’s mortgage. Filed April 30.

Ritzhaupt, Britton E., Norwalk.

Filed by Marinosci Law Group PC, Warwick, Rhode Island, for Lakeview Loan Servicing LLC. Property: 27 Second St., Norwalk.

Action: foreclosure of defendant’s mortgage from plaintiff.

Filed April 29.

Radecki, Eric John and Anne Elizabeth Radecki, Norwalk.

Filed by Marinosci Law Group PC, Warwick, Rhode Island, for USAA Federal Savings Bank.

Property: Lot 106, Sunset Hills, Norwalk. Action: foreclosure of defendants’ mortgage from plaintiff. Filed April 11.

Pruszko, Lester S., et al, Norwalk. Filed by O’Connell, Attmore & Morris LLC, Hartford, for Bayview Loan Sevicing LLC. Property: 25 Grand St., Unit 136, Norwalk. Action: foreclosure of defendants’ mortgage from plaintiff. Filed April 12.

Nagy, Beatrice, et al, Norwalk.

Filed by McCalla Raymer Leibert Pierce LLC, Hartford, for Nationstar Mortgage LLC. Property: 18 Lakeview Drive, Norwalk. Action: foreclose defendant’s mortgage.

Filed May 6.

Murphy, Antoinette, et al, Norwalk. Filed by Milford Law LLC, Milford, for Bank of America NA. Property: 5 College St., Norwalk.

Action: foreclosure of defendants’ mortgage from plaintiff.

Filed April 9.

Melgar, Juana M., Norwalk.

Filed by Marinosci Law Group PC, Warwick, Rhode Island, for US Bank National Association.

Property: Lots 3 and 4, Map No. 242, Norwalk. Action: foreclosure of defendant’s mortgage from plaintiff. Filed April 1.

Manufacturers and Traders Trust Co., Norwalk. Filed by Frankel & Berg, Norwalk, for Village Square at Park Avenue Condominium Association Inc. Property: 97 Park Ave., Unit 54, Danbury. Action: foreclosure of defendant’s mortgage. Filed April 12.

Harlise, Felix, et al, Norwalk.

Filed by Milford Law LLC, Milford, for Wilmington Trust National Association. Property: 17 Avenue D, Norwalk. Action: foreclosure of defendants’ mortgage from plaintiff. Filed April 9.

Disraelly, Ari S., et al, Norwalk.

Filed by McCalla Raymer Leibert Pierce LLC, Hartford, for Deutsche Bank Trust Company Americas. Property: 71 Osborne Ave., Unit A3, Norwalk. Action: foreclose defendant’s mortgage.

Filed April 12.

Cundari, Susan Louise, et al, Norwalk. Filed by McCalla Raymer Leibert Pierce LLC, Hartford, for Bank of New York Mellon Trust Company NA. Property: 30 Woodlawn Ave., Norwalk. Action: foreclose defendant’s mortgage.

Filed April 30.

Campbell, Daniel, et al, Norwalk. Filed by McCalla Raymer Leibert Pierce LLC, Hartford, for Bank of America NA, Property: 10 Cloverly Circle, Norwalk. Action: foreclose defendant’s mortgage.

Filed April 26.

Callahan, Kevin M., et al, Norwalk. Filed by McCalla Raymer Leibert Pierce LLC, Hartford, for M&T Bank. Property: 15 Westmere Ave., Norwalk. Action: foreclose defendant’s mortgage.

Filed May 7.

LEASES Armstrong Court Phase I Limited Partnership, by Anthony L. Johnson. Landlord: Housing Authority, Greenwich.

Property: 249 Milbank Ave., Greenwich. Term: 84 years, commenced April 30, 2019. Filed May 2.

Bomamas and Maries LLC,

by Steven V. Pugliese. Landlord: 85 Pemberwick LLC, Greenwich.

Property: 83 Pemberwick Road, Greenwich. Term: 10 years, commenced April 1, 2019. Filed April 1.

Facts & Figures MORTGAGES 289 Selleck St. LLC and 293 Selleck Street LLC Greenwich,

by Michelle Castro Anderson.

Lender: Connecticut Community Bank, NA, 289 Selleck St., Stamford. Property: 289 and 293 Selleck St., Stamford. Amount: $1,367,318. Filed March 18.

Brendon, Thomas Duffy, Stamford, by Brian C. Courtney.

Lender: Equity Resources of Ohio Inc., 25 S. Park Place, Newark, Ohio. Property: 9 Maple Tree Ave., Unit B2, Stamford. Amount: $163,000. Filed March 18.

Brookside Properties 1, LLC, Stamford, by Lucy A. Stuart.

Lender: Green Us Builders Inc, Stamford. Property: 2054 Long Ridge Road, Stamford. Amount: $455,000. Filed March 18.

Clifton, Keven and Olga Clifton, Stamford, by Gary J. Kravetz.

Lender: US Bank National Association, 4801 Frederica St., Owensboro, Kentucky. Property: 1824 Newfield Ave., Stamford.

Amount: $630,900. Filed March 18.

Cody, Erin M., Stamford, by Ada March. Lender: Quicken Loans Inc., 1050 Woodward Ave., Detroit, Michigan. Property: 302 Hubbard Ave., Stamford.

Amount: $160,000. Filed March 19.

Das, Khokon, Stamford, by Antoinette R. Kaine. Lender: Homestead Funding Corp., 8 Airline Drive, Albany, New York.

Property: 133 Pine Hill Ave., Stamford. Amount: $613,806.

Filed March 20.

Dragicevich, Christopher, Stamford, by David P. Lasnick.

Lender: Savings Bank of Danbury, 220 Main St., Danbury. Property: 46 Kenilworth Drive West, Stamford. Amount: $470,450. Filed March 18.

Dysenchuk, Natalie N. and Michael T. Cinelli, Stamford,

by Dennis J. Bujdud. Lender: Guaranteed Rate Inc., 3940 N. Ravenswood, Chicago, Illinois.

Property: 39 Maple Tree Ave., Unit 49, Stamford. Amount: $348,500. Filed March 19.

Farley, Genna and Matthew Fleming, Stamford, by Andrew S. Gale. Lender: Guaranteed Rate Affinity LLC 1800 West Larchmont Avenue, Chicago, Illinois. Property: 154 Cold Spring Road, Apartment 62, Stamford.

Amount: $235,000. Filed March 18.

Ferro, Michael F. and Bonnie T. Ferro, Stamford, by Jennifer Lima. Lender: First County Bank, 117 Prospect St., Stamford. Property: 89 Jeanne Court, Stamford.

Amount: $350,000. Filed March 18.

Haque, Mozammel and Noor Akhter, Stamford, by Eugene M. Kimmel. Lender: Homestead Funding Corp., 8 Airline Drive, Albany, New York. Property: 22 Sherman St., Stamford. Amount: $411,200. Filed March 19.

Spot Capital LLC, Stamford,

by Kellie Ann Vazzano. Lender: Greenwich Vitality LLC, 71 Byram Shore Road, Greenwich. Property: 26 Woodrow St., Stamford.

Amount: $200,000. Filed March 20.

Hernandez, Juan and Maria E. Hernandez Stamford, by David P. Lasnick. Lender: Wells Fargo Bank NA, 101 N. Phillips Ave., Sioux Falls, South Dakota.

Property: 164 Alpine St., Stamford. Amount: $388,000. Filed March 18.

Terenzio, Matthew and Elizabeth Terenzio, Stamford,

by Susan B. Croker. Lender: The First Bank of Greenwich 444 E. Putnam Ave., Cos Cob. Property: 619 Hunting Ridge Road, Stamford. Amount: $339,500. Filed March 18.

Herrera, Carlos and Maria Herrera, Stamford, by Lisa Kent.

Lender: Popular Bank, 85 Broad St.,10th floor, New York, New York. Property: 60 Lawn Ave. 14, Stamford. Amount: $281,250.

Filed March 18.

Valdes Dominguez, Jorge, Stamford, by Stwel O. Bush.

Lender: JPMorgan Chase Bank NA, 1111 Polaris Pkwy., Columbus, Ohio. Property: 85 Camp Ave., 5F, Stamford. Amount: $350,000.

Filed March 18.

Huppunen, Jabez, Stamford,

by Donald K. Bradford. Lender: Santander Bank, 824 N. Market St., Suite 100, Wilmington, Delaware. Property: 24 Home Court, Unit 1. Stamford. Amount: $132,000. Filed March 18.

Wright, Theodore Edward and Yolanda Wright, Stamford,

by Michael R. Lowitt. Lender: Quicken Loans Inc., 1050 Woodward Ave., Detroit, Michigan. Property: 180 Glenbrook Road, No. 8, Stamford. Amount: $244,375 Filed March 18.

Hynd, Nicholas, Stamford, by Mario P. Musilli. Lender: First County Bank, 117 Prospect St., Stamford. Property: 10 Mead St., Unit 6, Stamford. Amount: $306,000. Filed March 18.

James, Thomas and Maria Victoria Gavela James, Stamford,

by Jonathan T. Hoffman. Lender: Prime Lending, a Plains Capital company, 18111 Preston Road, Dallas, Texas. Property: 61 High Rock Road, Stamford. Amount: $428,000. Filed March 19.

Kilcoyne, Michael J., Stamford,

by Douglas B. Seltzer. Lender: JPMorgan Chase Bank NA, 1111 Polaris Pkwy., Columbus, Ohio.

Property: 392 Wire Mill Road, Stamford. Amount: $267,000.

Filed March 19.

Madisetty, Aparna, Stamford,

by Alexandra Casabianca. Lender: Equity Now Inc., 215 Lexington Ave., Suite 1702, New York, New York. Property: 36 Strawberry Patch Lane, Stamford. Amount: $206,500. Filed March 19.

Mekhail, Akram, Stamford,

by Jonathan T. Hoffman.

Lender: Quicken Loans Inc., 1050 Woodward Ave., Detroit, Michigan. Property: 61 Lincoln Ave., Stamford. Amount: $267,750.

Filed March 19.

Ortega, Gino and Carmen Ortega, Stamford, by John J. Bove.

Lender: First County Bank, 117 Prospect St., Stamford. Property: 432 Courtland Ave., Unit 432, Stamford. Amount: $255,000.

Filed March 18.

Scerrato, Francesca R. and Piero Melchiorri, Stamford,

by Ada March. Lender: Peoples United Bank, NA, 850 Main St., Bridgeport. Property: 65 Hamilton Ave., Stamford. Amount: $40,000. Field March 19.

NEW BUSINESSES A1 BLS 9 Old North Stamford Road, Building 35, Stamford 06905. c/o A1 Commercial Printing Company LLC. Filed April 22.

A1 Business Lending Source, 9 Old North Stamford Road, Building 35, Stamford 06905. c/o A1 Commercial Printing Company LLC. Filed April 22.

AD Progs-Advantageous Programming, 20 Oak St., Apartment 1, Stamford 06905. c/o Vasyl Kliufinskyi. Filed April 15.

All Ways Caring Homecare, 1435 Bedford St., Stamford 06905. c/o Res-Care Inc. Filed April 18.

Bedford Street Marketing LLC, 444 Bedford St., Suite 1C, Stamford 06901. c/o Paul Gerardi.

Filed April 24.

Brothers-in-Law Barbershop, 96 Franklin St., Stamford 06901. c/o Edgar G. Manchame. Filed April 22.

C.A.S. 327 Glenbrook Road, Stamford 06906. c/o Oleg Ravlyk.

Filed April 15.

C.A.S. 327 Glenbrook Road, Stamford 06906. c/o Limitless Constructions LLC. Filed April 24.

Five Star Transportation, 327 Glenbrook Road, Stamford 06906. c/o Svitana Piasta. Filed April 15.

I Dale U Services, 10 Middlebury St., Stamford 06902. c/o Luis A. Medina. Filed April 18.

J. Duchi’s Painting, 66 Catoona Lane, Stamford 06902. c/o Jose Duchimaza. Filed April 17.

Juice on the Fly, 111 Towne St., Apartment 213, Stamford 06902. c/o Magalie Paulemon. Filed April 24.

MCC Home Care, 1 Harbor Point Road, Stamford 06902. c/o Donald Delaski. Filed April 17.

My Connecticut Care, 1 Harbor Point Road, Stamford 06902. c/o Donald Delaski. Filed April 17.

National Automotive Roads Fuel Association, 4 Main St., Peterborough, New Jersey, 03458. c/o Joseph Walier. Filed April 16.

NU Vision Transports, 28 Westover Road, Stamford 06902. c/o Jeffery A. Gallaher. Filed April 16.

O&V Improvement, 60 Lawn Ave., Apartment 23, Stamford 06906. c/o Carlos M. Velez. Filed April 17.

Rinconcito Chapin, 703 Pacific St., Stamford 06902. c/o Elida Juarez Torrez. Filed April 18.

Stamford Paradise Nail Inc., 21 High Ridge Road, Stamford 06902. c/o Sun Ku In. Filed April 22.

Star Barber Shop, 117 W. Main St., Stamford 06902. c/o Jose M. Placencia. Filed April 22.

Uzuri Group, 48 Merrell Ave., Stamford 06902. c/o Aci and Co. Filed April 18.

Valenzuela’s Hawaiian Kenpo, 48 Union St., Norwalk 06851. c/o Cesar Valenzuela. Filed April 24.

Westec Security and Investigations, 90 Long Ridge Road, Stamford 06902. c/o New York Security Partner Inc. Filed April 12.

Wood Way AP, 28-5 Crescent St., Stamford 06906. c/o Arnold Feintuck. Filed April 15.

PATENTS Audio processing adjustments for playback devices based on determined characteristics of audio content. Patent No. 10,306,364 issued to Timothy W. Sheen, Brighton. Massachusetts; Michael Darrell Andrew Ericson, Santa Barbara, California; William H. Bush, Santa Clarita, California.

Assigned to Sonos Inc., Santa Barbara.

Autonomous, noninteractive, context-based services for cellular phone. Patent no. 10,299,127 issued to Miodrag Potkonjak, Los Angeles, California; Nathan Beckmann, Cambridge, Massachusetts.

Assigned to Empire Technology Development LLC, Wilmington.

Class estimation apparatus, nontransitory computer readable medium and class estimation method. Patent no.

10,303,985 issued to Ryota Ozaki, Yokohama, Japan; Yukihiro Tsuboshita, Yokohama, Japan; Noriji Kato, Yokohama, Japan. Assigned to Fuji Xerox Company LTD, Tokyo.

Communication apparatus, information processing method, program and storage medium.

Patent no. 10,305,836 issued to Nobuyuki Tonegawa, Kawasaki, Japan. Assigned to Canon Kabushiki Kashia, Tokyo.

Electric bushings having insulation medium retention seals. Patent no. 10,304,595 issued to Eric Ralph Weatherbee, Attica, New York; Andrew Victor McNulty, Spencerport, New York; Shibao Zhang, Pittsford, New York; Chungduck Ko, Mendon, New York. Assigned to Hubbell Incorporated, Shelton.

Emergency lighting system.

Patent no. 10,306,735 issued to John Lane, Simpsonville, South Carolina; Allen George Cyr, Greenville, South Carolina. Assigned to Hubbell incorporated, Shelton.

Information processing apparatus, image forming apparatus, information processing method and nontransitory computer readable medium.

Patent no. 10,305,548 issued to Tatsuro Suzuki, Yokohama, Japan; Fumiko Mitamura, Yokohama, Japan; Atsushi Sugiura, Yokohama, Japan; Nao Saita, Yokohama, Japan.

Assigned to Fuji Xerox Company LTD, Tokyo.

Loudspeaker.

Patent no.

D849,718 issued to Sunghoon Park, Shenzhen, China; Rafal Czaniecki, Shenzhen, China; Joshua Fischer, Shenzhen, China. Assigned to Harman International Industries, Northridge, California.

Method of forming an electrical interconnect. Patent no.

10,306,775 issued to Chad David Feitag, West Linn, Oregon; Tygh James Newton, Sherwood, Oregon; Chad Johan Slenes, Sherwood, Oregon. Assigned to Xerox Corp., Norwalk.

Methods of expanding commercial opportunities for internet websites through coordinated offsite marketing. Patent no. 10,304,121 issued to D Delano Ross Jr., Peachtree Corners, Georgia; Daniel D. Ross, Dunwoody, Georgia; Joseph R. Michaels, Bellevue, Washington; William R. May, Atlanta, Georgia; Richard A. Anderson, Powder Springs, Georgia. Assigned to DDR Holdings LLC, Dunwoody, Georgia.

Senior Solutions Analyst (Nestlé Regional Globe Office North America, Inc. – Stamford, CT) Dvlp & implmnt fnctnl specifictns for Retail and Direct to Cnsmr bus sys solutns based on cstm bus rqrmnts. F/T. Reqs Bach’s dgr (or frgn equiv) in Info Sys, Bus Admin, Int’l Relatns or rel fld & 5 yrs exp in job offrd or w/ bus procss intgrtn & dsgn in Cnsmr Goods (Retail) ind. Must have 1 yr exp in the fllw’g: full life cycle proj mgmt incl usr or stakehldr mgmnt in a cross-fnctnl envrnmnt & coordnt’g all deploymnt initiatives w/in bus sys projs; SAP app incl SAP Hybris & SAP Cloud pltfrm; gthr’g bus rqrmnts & trnslt’g into functnl specifictns for sys modifctns; Salesforce Apps Srvce Cloud & Fld Srvce Lghtn’g; Agile methdlgy; &, MS Office incl MS Proj. Exp may be gained cncrrntly. Resumes: K. Faison, Nestlé USA, Inc., 1812 N Moore St, Arlington, VA 22209. Job ID: 3390490.

Senior Solutions Analyst (Nestlé Regional Globe Office North America, Inc. – Stamford, CT) Dvlp & implmnt fnctnl specifictns for bus sys solutns based on cstm bus rqrmnts F/T. Reqs Bach’s dgr (or frgn equiv) in Info Sys, Bus Admin, Int’l Relatns or rel fld & 5 yrs exp in job offrd or w/ bus procss intgrtn & dsgn. All stated exp must incl: 1 yr exp in the fllw’g: full life cycle proj mgmt incl stakehldr mgmt in a cross-fnctnl envrnmnt & coordnt’g all dploymnt initiatives w/in bus sys projs; SAP incl SAP R/3, SAP APO, SAP BW, SAP MM & SAP SD; & supply chain E2E bus processes incl Ordr-to-Cash, Srce-to-Pay or Procure-to-Pay, & Pln’g to Execute. Must also have 1 yr exp w/ proj mgmt & sftwre dvlpmnt tls Jira, HP ALM, Confluence, SAP Solutn Mgr & SharePoint. Exp may be gained cncrrntly. Resumes: K. Faison, Nestlé USA, Inc., 1812 N Moore St, Arlington, VA 22209. Job ID: 3390477.

FCBJ

JUNE 3, 2019

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