Fairfield County Business Journal 121619 by Westfair Business Journal

PRINT JOURNALISM: BECAUSE IT STILL MATTERS. DECEMBER 16, 2019 VOL. 55, No. 50

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William Fitzgerald at his Murtha Cullina office. Photo by Phil Hall.

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TOY STORY

Lights! Camera! Counsel! TOLLS PUNTED TO 2020; MURTHA CULLINA ROLLS OUT ENTERTAINMENT AND SPORTS PRACTICE GROUP

BY PHIL HALL phall@westfairinc.com

how business and the sports world might seem like a glamorous and exciting experience to the outside observer, but behind the scenes there are a number of legal considerations ranging from intellectual property to immigration requirements to litigation to bankruptcy. The Stamford office of

the law firm Murtha Cullina LLP is staking a place in this high-profile world with its new Entertainment and Sports Practice Group. William F. Fitzgerald is the chairman of this five-attorney group that launched in July and works with a diverse client base from across the nation and around the world. However, Fitzgerald is particularly excited about providing legal counsel to Fairfield County talent.

“I was born up in South Norwalk and grew up in Rowayton,” he said. “It makes sense to establish a practice in Connecticut where it really doesn’t exist.” Among Fitzgerald’s local clients are Norwalk’s Factory Underground, which operates sound recording, film and television production studios; the master chocolatier Fritz Knipschildt; and the rapper Kenneth Schuler who performs under the name FNX. “It’s pronounced ‘Phoenix’ and his company is called Origin LLC,” added Fitzgerald. “Fairfield County is populated with folks in these industries.” Fitzgerald is no stranger to the entertainment world. He is a former » SPORTS

IMPACT OF TRUCKERS’ LAWSUIT AGAINST RHODE ISLAND UNCERTAIN

he year will end with no legislative action taken on tolls, as Connecticut lawmakers have decided to push formal discussions on the issue to January. Gov. Ned Lamont had been pushing for a special session of the General Assembly to convene during the week of Dec. 16 to discuss his transportation plan, which in its latest iteration would only charge trucks at gantries placed at a dozen bridge-adjacent highway sites. However, details of the governor’s revised $19.4 billion CT2030 transportation plan are still being worked out. Lawmakers on both

sides of the issue — essentially Lamont’s fellow Democrats in favor of tolls and Republicans against them — have also spoken in favor of a public hearing on the issue before a vote is taken. Along with the looming holidays and hopes to finalize a settlement with the Connecticut Hospital Association over the state’s “hospital tax” and Medicare reimbursements — the latter expected to take place during a Dec. 18 special session of the General Assembly — the belief was there would be insufficient time to fully debate the tolls issue this month. Some details regard» TOLLS

A Green option

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Glenbrook Industrial Park at 652 Glenbrook Road in Stamford. Photo credit 64 Solar.

BY KEVIN ZIMMERMAN kzimmerman@westfairinc.com

eaving money on the table is the last thing most people want to do. Yet that’s just what some building owners and developers are doing, according to Connecticut Green Bank. “The broader real estate community is not really aware of C-PACE yet,” said Mackey Dykes, vice president of commercial and industrial programs at the bank. “It’s still a relatively new tool and we’re still getting the word out.” C-PACE, or the Commercial Property Assessed Clean Energy program, is one of Green Bank’s financing options designed to accelerate the adoption of clean energy by making it more accessible and affordable for businesses and consumers. Qualified candidates borrow money for energy efficiency, renewable energy or other projects and make repayments via an assessment on their property tax bill. The financing arrangement remains with the property even

DECEMBER 16, 2019

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if it is sold, facilitating long-term investments in building performance. One firm that’s been convinced of the value of C-PACE is Norwalk’s Spinnaker Real Estate Partners, whose CEO Clay Fowler said his firm had been looking “for quite a while” at various means of installing solar panel systems on existing industrial buildings. “It’s out of what I call an ambient desire to do the right thing, as we hear all the time,” Fowler said. “I’m a ‘granola guy’ to begin with — I’m a ’60s/’70s alternative guy. “But minimizing your footprint has got to be economically viable as well,” he added. Working with 64 Solar, a solar energy equipment supplier in Port Chester, New York, led Fowler to Green Bank to help tackle the job of installing its first-ever solar panels at Glenbrook Industrial Park in Stamford, the old Phillips Milk of Magnesia factory that is now home to more than 50 small businesses. Work at the 181,216-square-

foot-building at 650 Glenbrook Road, constructed in 1943, involved installing a 135kW roof-mounted solar photovoltaic system as well as roof upgrades. The total project cost was $437,326. Spinnaker received $417,053 in C-PACE financing over 20 years with an estimated average annual energy cost savings of $51,440. “We’ve done a couple of subsequent projects with Green Bank and 64 Solar,” Fowler said. Spinnaker repurposed the 122,000-square-foot warehouse building at 345 Ely Ave. in Norwalk into a multitenant industrial facility and renovated a former engineering plant at 300 Wilson Ave. in South Norwalk into the SoNo Ice House, a stateof-the-art sports facility with two ice rinks. Fowler said that together the three projects will realize an estimated $203,700 in annual energy savings, for a total of $4.07 million over the 20-year term. Spinnaker has several other projects in development that

could utilize C-PACE financing through Green Bank, he added. “I give a lot of speeches at real estate forums and the like,” Fowler said, “always talk about being responsible as contractors in general and in real estate operations specifically.” His company is also included in a video touting C-PACE that was produced by Green Bank. Dykes noted that while C-PACE financing is now available in more than 30 states, Connecticut’s version was the first statewide program of its kind in the country. “It’s not a national model yet,” he said, “but it’s getting there.” However, Dykes warned the current incentive structure will, in accordance with state law, change when Connecticut’s net metering program ends on Dec. 31, 2021. “It will still make financial sense” to explore C-PACE funding, he said. “But now is the time to take full advantage of it before those changes go into effect.”

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Design agency chief D.J. Haddad revs up new auto dealership marketing firm BY PHIL HALL phall@westfairinc.com

.J. Haddad is not lacking in activity. As the CEO of the award-winning, Fairfield-based creative and direct marketing agency Haddad & Partners, he has spent the last 13 years creating campaigns for corporate giants including Microsoft, Capital One, Charter Communications, TD Bank, JPMorgan Chase, PwC and Ford Motors. But when Lyamen Savy, a former client who worked with Haddad during her years at Capital One and Microsoft, got in touch with him to discuss a project, he found time in his busy schedule for a new venture. “She is a super brilliant marketer, a genius on the analytics and media side,” he stated. “I always wanted to do a project together. We talked about it for a long time and the time just worked out.” To his initial surprise, he discovered Savy was not working with a mega-company that impacts the global economy, but rather something a bit more modest. “She was consulting for a car dealership in Seattle,” he continued. “She was going through their analytics and competitors and found that everything was very antiquated. And she said, ‘I’m looking at different companies that do this in the automotive dealership space.’” What Savy shared with Haddad was that many auto dealerships were not as savvy as other businesses when it came to cutting-edge marketing strategies. This resulted in problems trying to connect with millennials. “They had a hard time embracing change, especially media buying now,” he observed. “And they were just overpaying drastically for their media buying. Dealerships have always done well on the print side and the TV side, but now with the digital media side it was a little different.” In June, Savy and Haddad announced the launch of 321 Ignition, which Haddad described as “kind of like a website template for car dealerships with a suite of marketing tools behind it.” Dealerships that sign up for the service are provided with a customizable online platform that uses artificial intelligence technology to turn website visitors into qualifying leaders. For prospective car buyers, the platform is designed to create a user-friendly environment with the goal of encouraging dealership visits. In a press release announcing 321 Ignition’s launch, Savy framed the platform as a radically different approach for dealership marketing. “Our mobile-first platform brings together all of the latest digital technological advancements to make it a better overall experience for car buyers, while making it a more efficient and profitable business model for dealerships,” said the Seattle-based Savy, who carries the CEO title on this new company. Haddad, who carries the chief marketing officer title with 321 Ignition, viewed the new company as a challenge to Carvana, the online retailer that gives consumers the choice of

D.J. Haddad, co-founder and chief marketing officer for 321 Ignition. Photo by Phil Hall.

home delivery of their vehicles or a visit to one of its oversized vending machines that dispenses the automobile of choice. “A lot of the smaller dealers are starting to get worried about it,” said Haddad regarding Carvana. “I don’t think they’re feeling it on a day-to-day basis. But younger buyers see it as a new option.” Haddad said 321 Ignition has three dealerships using the platform and another six are expected to go live in early 2020. Ironically, they are spreading the word on this digital venture with old-school marketing: trade show appearances, some advertising and an emphasis on word-of-mouth praise. Haddad is simultaneously running 321 Ignition with Haddad & Partners, giving the new endeavor about 25% of his weekly business schedule. “If I am waiting for feedback on projects, during the downtime I can jump into 321 and work on that,” he said. “I treat it like another client.”

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DECEMBER 16, 2019

Suite Talk

Wilder Rumpf, CEO of FinTron Invest, which is ‘by millennials and for millennials’

his month will mark the end of one chapter in Wilder Rumpf’s life and the start of another. He is receiving his Bachelor of Science degree from Sacred Heart University with a double major in finance and economics, and he is focusing on running his start-up FinTron Invest on a full-time basis. There has been more than a little overlap between the two chapters. Rumpf set the groundwork for FinTron Invest, a fractional share brokerage and banking platform, while still an undergraduate and has been building it with significant input from the university’s student and faculty bodies. In this edition of Suite Talk, Business Journal Senior Enterprise Editor Phil Hall spoke with Rumpf on the genesis of his new business. What was the inspiration for creating FinTron Invest? “I was managing money for friends and family and also running the New York operations of a property management company based out of New Jersey. Between getting hounded by the property managers and my investor clients, I ran out of time in the day for myself. So, I decided to start automating my trade strategies using algorithms and bots. Once I realized I could develop almost any of my ideas via coding, I came up with the idea to bring investing to the 99% by reducing overhead through technology and, thus, dramatically reducing the cost of trading. This enabled the creation of a planned subscription model of just $2 per month. “I then imagined all of the barriers that people face when trying to start investing, so I again used technology to make the untraditional feasible by offering fractional shares, premade investment products, education and all sorts of data buildouts. Once launched, we will make trading/investing/ banking and all things personal finance not only accessible but feasible for the 99%. “I brought my code and ideas to Sacred Heart University. They gave me a space, interns and offered much talent. I sourced

DECEMBER 16, 2019

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interest in over 675 stocks and exchange-traded funds (ETFs). For just $10 you can buy big names like Apple and Amazon and not have to pay $1,000-plus per share. We offer premade sector baskets for diversifying, and we offer a build-and-backtest for your own portfolio tool. We also offer automated, repeat investments and a savings tool. “We plan to donate 5% of net profits to charity and 1% of gross revenue to a student loan forgiveness plan program. We will charge $2 per month flat, with no hidden fees and no selling of data. “We are a young team of developers — the oldest being 25 — so we offer the youngest app on the market tailored to young people just like us. It is by millennials and for millennials. Yet we have a board with over 30 years of experience in each of their respective fields, so we have both wisdom and youth.”

Wilder Rumpf, CEO of FinTron Invest. Photo by Phil Hall.

my entire staff, board, interns and network of investors from Sacred Heart University.” When did the company launch? “FinTron Invest LLC, the broker dealer, was started in September 2019, but the holding company, AKO Capital Management LLC, launched in September 2017. We did not begin work on the brokerage technology until July 2018. We have been under development for a mere 14 months at the Sacred Heart West Campus incubation center, but now have an Android, iOS and web app as well as a simulated trading game. We are pending licensing with the Financial Industry Regulatory Authority (FINRA).” What makes FinTron Invest different from other companies in this space? “We will offer fractional

We will offer fractional interest in over 675 stocks and exchangetraded funds (ETFs). For just $10 you can buy big names like Apple and Amazon and not have to pay $1,000-plus per share.

You mentioned a simulated trading game — what is that? “We offer a very social, very graphical game where people of all ages can trade simulated stocks and learn to invest with $100,000 fake cash. We hold a quarterly contest where users can compete for cash prizes. The best investors with the greatest account value at the end win the cash. You can upload profile pictures, check out other people’s portfolios and select from over 650 stocks and ETFs. This is a way to ‘try it before they buy it.’ We are currently offering the game in a few schools, including Stratford High School and Sacred Heart University.” Why does it seem that so many younger people are either unaware or uncomfortable about the value of personal finance education? “Personal financial education is overlooked and has faded from the core curriculum. People are so distant from the principles of financial management because everything is fiat these days. Credit cards, debit cards and easy access to loans have created a debt culture wherein people push off their financial responsibilities

until tomorrow and burn cash for instant gratification. “We simply aren’t taught the lessons in finance that we need to make sound decisions and this has shown in a big way. With revolving credit, debt is the highest it has ever been.” How many people are working with you on this endeavor? “A team of six full-time staff plus 20 interns from Sacred Heart University. There are also five major advisers/directors who are professors at Sacred Heart University and advisers from CTNext and the Connecticut Small Business Development Center.” What have been the challenges of starting and running a business while pursuing full-time undergraduate studies? “It has been so incredibly difficult starting a brokerage and attending university. The industry in which we are entering is one of the most highly regulated in the world and I am often scoffed at for the length of my ambitions and my youthful inexperience. However, I will change this. “Guys like me have turned finance upside down, leveraging financial technology and forcing major brokerages to merge or cut their prices to zero. Millennials comprise the largest living U.S. population segment — and when the transfer of over $1 trillion of wealth moves from boomer hands to Gen Z, the big bankers that scoffed at us will be calling on us to replenish their client base. “It is important to note FinTron would not exist without Sacred Heart University. They blessed me with a space to work in and I sourced all of my staff from the university.” What are your goals for the company in 2020? “We plan to open our doors to the public, offering digital banking and brokerage services via web and app. To get there, however, we must raise upwards of $1 million. “My greatest ambition is to make my university proud as the first-ever Sacred Heart incubated startup.”

Westport, Trumbull rank high for credit card payoffs BY PETER KATZ

It took credit cardholders there 58 months and 16 days to pay off debt of $3,171 at a cost of $1,395. Greenwich also found itself in the 89th percentile. The median credit card debt of $5,702 cost cardholders $2,515 to pay off in 58 months and 21 days. Yorktown Heights finished in the 93rd percentile. It took 63 months and 13 days to pay off a median credit card debt of $3,470 at a cost of $1,667. New Milford was ranked in the 98th percentile because it took 74 months and 23 days to deal with median credit card debt of $3,414 at a cost of $1,968. The longest payoff time was 138 months and 17 days for cardholders in Jacksonville, North Carolina, who had median credit card debt of $3,435 and shelled out $4,048 in payoff costs.

pkatz@westfairinc.com

carsdale and Bronxville rank high on a list of communities in which residents are having a comparatively easy time paying off their credit card debt, according to the personal finance website WalletHub. It reported the results of a survey designed, in part, to figure out where in the U.S. credit card debt was most and least sustainable. The median credit card balances of residents in 2,564 municipalities was gathered from TransUnion and analyzed. Credit cards from the major issuers were considered, not store credit cards. The average interest rates on the credit cards considered in the survey was 16.97%. The municipalities were sorted into 99 percentiles, with the 99th including communities where people were taking the longest time to pay off their credit card debts and the first percentile including communities where consumers were paying off their credit card debt in the least time and at the lowest cost in interest and fees. Scarsdale and Bronxville both ranked in the first percentile. In Scarsdale, people paid off median credit card debt of $5,303 in 17 months and two days at a cost of $652. In Bronxville, the median debt was $4,610 and it was paid off in 30 months and seven days at a cost of $670. In Connecticut, Westport ranked in the eighth percentile. Residents there took 30 months and 22 days to pay off median credit card debt of $6,286 at a cost of $1,394. In Trumbull, the median credit card debt of $3,462 was paid off in 30 months and 27 days at a cost of $772. Yonkers ranked in the 17th percentile. It took 33 months and 27 days for consumers to pay off a median credit card debt of $2,449 with $601 in interest payments. In Bridgeport, WalletHub found a median credit card debt of $1,946 was paid off in 35 months and 14 days at a cost of $501, ranking the city in the 22nd percentile. Stamford was in the 24th percentile with a median credit card debt of $3,138 taking 35 months and 30 days to be retired at a cost of $819. White Plains residents found themselves in the 28th percentile with a median credit card debt of $3.068 taking 37 months and three days to pay off at a cost of $829. Norwalk was in the 38th percentile. It took 39 months and 20 days to pay off debt of $3,168 at a cost of $917. Poughkeepsie was in the 69th percentile. It took residents there 48 months and 22 days to deal with median credit card debt of $2,543 at a cost of $917. Ossining was in the 89th percentile.

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DECEMBER 16, 2019

Sports — From page 1

counsel for the Connecticut Film Festival and has conducted speaking engagements at Yale University, City University of New York and the University of Connecticut Law School on entertainment law. He also credits his involvement in sports during his youth — he played football in high school and college and professional baseball in Sweden — in helping today’s athletes with their legal issues. “I had the good fortune

of playing sports in school, and having played sports around the world I know how to speak to athletes and their families,” he stated. “So, that’s one for me.” Fitzgerald, who joined Murtha Cullina in May as counsel, goes the proverbial extra mile by keeping his clients’ professional future in mind and making referrals and recommendations to individuals that could further those goals. “I like to cross-pollinate,” he explained. “If I am working with a model, I always ask the model what is her or his career goal. So, I would introduce the

I have very strong relationships in Los Angeles. In today’s world, it is fine to be in Connecticut and negotiate an agreement with an attorney or studio in Los Angeles.

model to an acting coach and if that’s going well, to one of the talent agencies. I am not an agent and I don’t want to be. I enjoy being the attorney. I don’t participate in their deals and contracts. What I like to do is watch their back — and the best way to do that is being their counsel.” The firm’s proximity to New York is helpful, noted Fitzgerald, who is admitted to both the New York and Connecticut bars. The firm has a White Plains office, too. However, he has no plans to expand the practice by setting up a Hollywood office.

“I tell people that you can get around Fairfield County in 15 minutes but it takes 45 minutes to an hour to get to a meeting in Los Angeles,” he laughed. “I have very strong relationships in Los Angeles. In today’s world, it is fine to be in Connecticut and negotiate an agreement with an attorney or studio in Los Angeles.” One area where Fitzgerald wants to focus on is tomorrow’s sports superstars. “It is important to me that young athletes in Fairfield County know that there is a practice avail-

Tolls — From page 1

ing tolls have been released. The cost would range from $1.25 per medium truck with an EZ Pass to $19.20 for a heavy truck without an EZ Pass. The average oneway toll for a truck in Connecticut with an EZ Pass transponder would be $8, compared with $4.18 in Massachusetts, $5.31 in Rhode Island, $11.18 in New Jersey, $12.50 in Delaware, $21 in Maryland and $25.49 in New York. Lamont maintains such a tolling approach could produce $187 million in net revenue annually, which would be used to finance billions in transportation infrastructure improvements over the next decade. The governor frequently invoked a trucks-only tolling approach during his 2018 gubernatorial campaign. After Democrat leaders in the Senate said they could not support CT2030’s original inclusion of tolls for all vehicles, Lamont came out in favor of a subsequent trucks-only plan put forth by House Democrats. He has pointed to Rhode Island’s trucks-only concept when arguing for the same approach here, but the Ocean State is having problems with the idea. A lawsuit filed by the American Trucking Association, Cumberland Farms Inc. and M&M

DECEMBER 16, 2019

The (Rhode Island) court’s decision gives credence to the trucking industry’s challenge. It ties up this issue in litigation for years to come, leaves doubt and uncertainty in the ability to toll only trucks and creates significant economic risk for taxpayers.

Len Fasano (left) and Gov. Ned Lamont.

Transport Services Inc. maintains that the toll system launched in Rhode Island in June discriminates against out-of-state trucking companies and violates the commerce clause of the U.S. Constitution. While initially rejected by the U.S. District Court of Rhode Island, the U.S. Court of Appeals for the First Circuit ruled on Dec. 6 that the suit could proceed. The trucks-only tolling system is part of Gov. Gina Raimondo’s RhodeWorks program, which promises to generate $4.7 billion to finance infrastructure projects. Despite the appeals court ruling, Raimondo

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expressed her belief that trucks-only tolls would ultimately triumph in her state. But Connecticut Senate Minority Leader Len Fasano, a vocal opponent of tolls of any kind, had a different reaction. “The (Rhode Island) court’s decision gives credence to the trucking industry’s challenge,” he said. “It ties up this issue in litigation for years to come, leaves doubt and uncertainty in the ability to toll only trucks and creates significant economic risk for taxpayers.” Lamont, however, called the federal circuit court decision in Rhode Island

“merely a procedural ruling regarding whether this case should be heard in a federal or state court — nothing more. It did not decide on, or even address, the merits of the case. “The ruling says nothing about the strength of the underlying legal challenge to trucks-only tolls,” he continued, “which far from being a burden on interstate commerce are a common-sense way to benefit that commerce by asking the in- and out-of-state commercial trucks that do the most damage to our roads to pay their fair share of maintenance and congestion mitigation projects.

— Len Fasano

“Senator Fasano either misunderstands or is greatly exaggerating the court’s decision for political gain,” Lamont said. “This federal circuit court decision, which is not binding in Connecticut, has simply held that truckers may bring their meritless claims in federal court as well as state court.” The Yankee Institute for Public Policy reported on Dec. 10 that, according

able to them,” he said. “We have young folks who get drafted in hockey, soccer and baseball and they have the right to an attorney. Many times there are young athletes and their only opportunity for playing sports is in Europe and I’ve negotiated those agreements. Once the negotiation is completed, the representation is not done. Say they’re giving me two meals a day and not free or they are injured and the team is not giving them the proper attention to the injury. It would be important for me to be a resource for them.”

to emails obtained through a Freedom of Information request, some Connecticut lawmakers have discussed leasing part of the state’s tolling infrastructure to telecommunication companies looking to develop 5G wireless technology. Toll gantries would be connected with fiber optic cables to transmit and process EZ Pass information and license plate photographs. The report cited an April 29 email from Rep. Stephen Meskers, D-Greenwich, to Deputy Chief of Staff Jonathan Dach and Director of Legislative Affairs Chris Soto that said the administration should consider contacting “all the telco guys” to determine “what a backbone in our interstate tolling network would be worth to lease out.” “We might have to overbuild the fiber optic capacity on the toll roads, but it could be worth some serious money,” Meskers wrote. Lamont’s telecommunications background i ncludes ma na g i n g Cablevision’s Fairfield County startup operation and serving as founder and chairman of Greenwich telecommunications firm Lamont Digital Systems, whose operations included Stamford-based Campus Televideo (CTV), which provides cable and satellite services to college campuses. He sold that firm to Apogee in 2015.

Greenwich resident targeted by NYAG amid fraud allegation BY BILL HELTZEL bheltzel@westfairinc.com

ew York Attorney General Letitia James wants to shut down ACP Investment Group in Rye Brook and permanently bar managing partner Laurence G. Allen of Greenwich, Connecticut, from selling securities. James sued Allen, ACP and several affiliates Dec. 4 in New York County Supreme Court for allegedly defrauding investors and misappropriating more than $13 million. Allen in effect “merged the companies into a single fraudulent enterprise,” the complaint states. He used his control over the companies to “raid ACP’s accounts, pay himself handsomely, and prop up his other ventures.” ACP and NYPPEX private markets — the parent

company — a 15-person broker-dealer and online trading platform did not respond to an email asking for their side of the story. A year ago, when Allen became aware of the attorney general’s investigation, he submitted a statement to FINRA, a regulatory agency, vigorously denying the allegations. “I believe that the NYAG does not fully understand the nature of our business, which is atypical in the securities industry,” he stated. “I expect to resolve any outstanding questions raised by the NYAG once discovery is completed.” ACP states on its website that “client interests always come first” and the goal “is to invest wisely and create value in an ethical manner for our investors.” Allen launched ACP X LLC, a private equity fund located at 800 Westchester Ave. in Rye Brook, in 2014.

ACP X was not allowed to invest in NYPPEX or any company Allen controlled or managed, the complaint states in citing the fund’s private placement memorandum, and he could not actively participate in dayto-day portfolio investment operations. Seventy-five investors bought $17 million in limited partnership interests from ACP X. In 15 years, the attorney general claims, none of the ACP X investors got a full return on their $17 million in contributions or on any of the $10 million in accrued returns. ACP X profited in its first few years, according to the complaint. But during the 2008 financial crisis, NYPPEX began experiencing cash flow shortages and Allen allegedly diverted ACP X funds to NYPPEX, in violation of the private placement memo, to prop it up.

NYPPEX lost money in nine out of 10 years from 2008 to 2017. Revenue for the period totaled $25 million but operating losses totaled $8.9 million. Allen allegedly transferred $5.7 million from ACP X and then paid himself $5.7 million in salary from NYPPEX. “Allen exploited the finances of the company for his personal gain,” the complaint states, “paying himself a salary dramatically out of line with NYPPEX’s performance.” The attorney general claims Allen inflated valuations of securities to lull limited partners into believing that ACP X’s investment in NYPPEX “was performing well, when in reality, it was not.” He is accused of manipulating his investors into amending the operating agreement and then “unlawfully distributing at least $3.4

million to himself and entities under his control.” The attorney general claims Allen also illegally diverted nearly $750,000 from ACP X to pay NYPPEX’s operating expenses. He allegedly concealed the problems by using metrics “that lacked an objective basis,” according to the complaint. He projected revenue growth that the enterprise never came close to achieving. In 2018, he projected $24.3 million in revenue, but actual revenue was $1.1 million. Allen is accused of fabricating certifications that NYPPEX had been vetted and endorsed by a five-member investment committee. But, “apart from Allen, none of the other individuals identified ever had any role in the investment decisions.” A year ago, then-Attorney General Barbara Underwood filed for a pre-

liminary injunction to bar Allen from engaging in fraudulent practices. When Allen solicited new capital to finance NYPPEX’s 2019 growth plans, he made no mention of the attorney general’s investigation. “To date, Allen has looted ACP of more than $13 million,” the complaint states. “There is a high likelihood that … defendants will continue to engage in the fraudulent practices the attorney general has identified, irreparably harming investors.” The complaint accuses Allen and his companies of fraud and breach of contract. The attorney general is demanding that they pay restitution and damages to the investors, that Allen be permanently barred from issuing, promoting or selling securities in New York and that a receiver be appointed to liquidate the companies “for the benefit of defrauded investors.”

Bridgeport set to become offshore wind hub with approval of Vineyard Wind proposal BY KEVIN ZIMMERMAN kzimmerman@westfairinc.com

onnecticut has selected developer Vineyard Wind to advance to contract negotiations with the state’s electric distribution companies to provide 804 megawatts (MW) of offshore wind power through the development of the Park City Wind Project. The Connecticut Department of Energy and Environmental Protection’s (DEEP) selection of the project, which will provide the equivalent of 14% of the state’s electricity supply, represents the largest purchase of renewable energy in Connecticut’s history. The project includes an estimated $890 million in direct economic devel-

opment in Connecticut, including Bridgeport Harbor and the local supply chain. Plans include redeveloping the waterfront Barnum Landing property for future turbine assembly and establishing an operations and maintenance facility. In October, Vineyard Wind announced a partnership with Marmon Utility, a Marmon/Berkshire Hathaway company headquartered in Seymour, to create the first Tier 1 offshore wind supplier in the U.S. That agreement calls for Marmon Utility to establish manufacturing capabilities at its Connecticut facility producing Kerite cables to supply some or all of the inter-array cable cores that will be needed for Park City Wind. The project also

A rendering of the Park City Wind Project. Courtesy Vineyard Wind.

includes a commitment to pay no less than the prevailing wage and to negotiate in good faith for a mutually agreeable project labor agreement. It will more than dou-

ble the amount of new zero-carbon renewable energy procured by DEEP to date and represents what DEEP said is a major step toward Gov. Ned Lamont’s goal of a 100% zero-carbon

electricity supply by 2040. The Park City Wind project is offered at a price lower than any other publicly announced offshore wind project in North America. When it comes

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online in 2025, the project will enable Connecticut to avoid emitting more than 25 million tons of carbon dioxide while improving electric grid reliability in cold winter periods, a critical feature that will speed Connecticut’s transition away from reliance on natural gas power plants. DEEP’s final RFP was issued on Aug. 16. On Oct. 30, the agency received more than 30 bids from three different developers in response to the RFP. DEEP said it completed its procurement process in record time, to capture lower pricing as a result of federal tax incentives set to expire this year. The resulting contracts will be subject to review and approval by the Public Utilities Regulatory Authority (PURA).

DECEMBER 16, 2019

‘Experiential’ toy store Camp firing imaginations at SoNo Collection BY KEVIN ZIMMERMAN kzimmerman@westfairinc.com

y her own admission, Shelley Steinberg has had a mostly fun career. That’s because she founded and owned Graham’s, a popular children’s salon and toy boutique in Greenwich, and is now general manager of Camp, an “experiential” toy store and play space in Norwalk’s SoNo Collection. The concept is relatively simple. Children can let their imaginations run wild through the 10,000-squarefoot store’s creative design — currently centered around a world travel motif — and try out the latest toys, while their adult companions can enjoy some coffee and, it is hoped, open their wallets. “This is the perfect combination of product and play,” Steinberg said at the store. “It’s something you don’t normally see at other toy stores, where finding someone who knows anything about the products is like going to Home Depot. If you find somebody who knows anything, you want to hang on to them!”

The Camp toy store and play space.

One of the exceptions to that general rule was Graham’s. Named for Steinberg’s son, the store began as a place for the younger set to get a haircut. “Eventually we started to bring some toys in and it became very clear very quickly that they were equally, if not more, important than the haircut,” she said. “We did it for almost 14 years, which is a pretty good run for a mom-and-pop store.” After Graham’s had

run its course, Steinberg worked as a sales consultant for Tegu, the magnetic wooden building block manufacturer in New York City until her son “became completely obsessed” with Ben Kaufman, who with his wife Nikki, created Camp. Kaufman also created the inventor marketplace Quirky and was chief marketing officer at BuzzFeed before stepping down in August to focus on Camp. Steinberg said she was

impressed with Camp’s 5th Avenue store in Manhattan but couldn’t imagine continuing to commute into the city, initially misreading the store’s announcement that it was opening in SoNo as Soho, the neighborhood in lower Manhattan. “When I realized where it really was, I wanted the job so badly,” Steinberg laughed. “I joined on Oct. 15, just in time for our opening two weeks ago. I made it through the end of construction and

I still have the dust on my shoes to prove it.” Camp is meant to evoke memories of sleep-away and day camps. Visitors first encounter a Camp Canteen general store and then are directed through a “magic door” that leads to an interactive space for play and shopping, as well as a “Campitheatre” featuring various activities and programming. Those are offered four times a day on weekends and two or three times during the week, depending on demand. Via the current Travel Camp theme, visitors first walk through a fog curtain to enter “London,” where they can have some tea and enter a red telephone box for a quick chat with the Queen before proceeding to such sites as Paris, Australia’s Great Barrier Reef, the Cloud Forests of Costa Rica and go on a Kenyan safari. A partnership with the Florida Tourism Board means that some of the Sunshine State’s attractions are also featured. Steinberg said the store’s theme will change at least three times a year to further encourage return visits. “We want people to come back,” she said, “and

business has been literally mind-blowing so far. Within the first six days I lost count of how many people said they were already back for the fourth or fifth time.” Camp has roughly 40 staffers, all of whom are educated about each of the store’s products, Steinberg said. No Home Depot hopelessness allowed. That Norwalk was chosen as Camp’s first Connecticut location — in addition to 5th Avenue it also has operations in Hudson Yards, Brooklyn and Dallas — was a very deliberate decision, she said. “This is really the middle of Fairfield County with very easy access off of I-95,” she said. “And we’re the only true toy store experience in the mall as well, which is a great advantage to have.” Also in Camp’s favor is the proximity of Norwalk’s Maritime Aquarium and the Stepping Stones Museum for Children, Steinberg said. “There are tons of families in Fairfield County, but not necessarily a lot of things for those families to do,” she said. “We keep it fresh here and believe that being so close to those other family-friendly attractions helps.”

Access Health CT increasing efforts to enroll small businesses BY KEVIN ZIMMERMAN kzimmerman@westfairinc.com

ith open enrollment well u nder w ay, Access Health CT is redoubling its efforts at offering health insurance coverage to a particularly underserved sector: small businesses. “For a number of years, our Small Business Health Options Program (SHOP) has not received the attention and necessary funding to do what we’ve wanted to do,” said AHCT Director of

DECEMBER 16, 2019

Small Business and Product Development John Carbone. “Our CEO (James Michel) has said multiple times that this is something we need to address.” Carbone has activated a new business plan and has a dedicated team of four people to help increase the rate of insured small businesses in Connecticut. The plan calls for converting approximately 10% of engagements with those businesses and with insurance brokers into insurance coverage. SHOP is also promoting an employee participation waiver period, where small

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businesses with fewer than 50 employees can enroll in a group health insurance plan without meeting a required minimum number of employees. The opportunity is offered only to new groups not currently enrolled in a plan through AHCT Small Business. Carbone said that, by eliminating the minimum employee requirement, more small businesses will be able to offer a health insurance benefit they may not otherwise have been able to provide to employees. Usually a company is required to have at least 75%

of its employees in a SHOP health insurance plan — or be covered in some other way, such as on a spouse’s plan — to be included in a group plan. Otherwise their employees may need to find their own coverage elsewhere. The approach is aimed at “helping to lower the uninsured rate in Connecticut and provide small businesses with another tool to understand the entire marketplace,” Carbone said. While Access Health ended last year’s open enrollment period with 111,000 persons in the indi-

vidual market, earlier this year it reported that it covered just 400 small businesses, representing 1,382 people, in SHOP — less than 1% of Connecticut’s small group market. Reasons for the poor performance included insufficient incentives. Federal tax incentives offered by the exchange usually last just two years and exclude firms that pay average annual salaries exceeding $50,000. Carbone noted that AHCT is continually working with insurance brokers — who he said sell about 80% of small business insur-

ance — and various employee groups “all year long.” Carbone said a recent webinar with brokers explaining SHOP “got some great responses. We had 55 individuals attend the webinar and over 20 of them asked for in-person meetings afterwards.” He said AHCT is hoping for a significant uptick on a year-over-year basis with the new push. SHOP will also introduce a larger marketing campaign after the first of the year with an eye toward further increasing new enrollments, he added.

Ask Andi CRM for more business I know that before we can focus on closing sales we have to button things up with putting leads on the table and keeping track of them. A couple of proposals and followups slipped through the cracks recently, which has me worried. Want to work smarter, not harder. Need a system to know how we’re doing with the potential sales we’re working to get. THOUGHTS OF THE DAY: Marketing precedes sales. Build a system for tracking opportunities. Work that system to generate new business. Figure out how many opportunities convert from one stage of the pipeline to the next. Use the historical data to determine how much you need at every stage of the pipeline to hit your goals. Marketing is probably the broadest topic any business deals with — even more complex than the work it does to support itself. Marketing is about: • How to generate new business. • How to connect with people who might want to buy from you. • How to position your services competitively. • What kinds of new business opportunities to go after. • What customers value about your company. • Why some customers go elsewhere. We’re going to focus on a narrow slice of the marketing puzzle: keeping track of leads. How to keep track of people you’ve connected with and how to know if they’re moving efficiently from initial contact to close for a sale. That’s an essential question in marketing. Many companies bleed away opportunity that they could have closed because they don’t do a good enough job at keeping track. Build a customer relationship management (CRM) system to record prospects and monitor their progress from initial contact to close. Make sure no one gets overlooked, follow-ups happen on time, and when a potential sale stalls, someone can know that and address issues that may have come up. For most companies, improving the ability to keep track of leads will result in additional sales. Often a few additional sales per year will more than pay for the CRM investment. There are lots of systems on the market. Do demos to learn about the features and benefits of each. Talk to peers about what they use. Pick a system and try it. If it works, keep going with it. If it doesn’t work, try a different system. Whatever system you choose, make sure you engage your entire team. Build a database of contacts. Agree on stages that prospects go through from initial

contact to close. Stages might include: • Name on a list. • Started marketing to the list. • Made initial contact. • Identified needs. • Created a proposal. • Closed for new business. A good CRM system can help you with stages to track. Teach your employees how to log and update leads in your new system. Figure out how to use the reports to know what’s going on and to identify what needs additional attention. Consider big marketing questions you’d like to know the answer to. For example: • How many people did you speak with to

close a sale? • How many people on a list will be interested in what we do? • On average, how long does it take to gather information about a prospect’s needs, write and deliver a proposal, close a sale? These questions can be answered with data that you’re going to gather in your new CRM system. The historical data in the CRM system can tell you about conversion ratios: how many opportunities convert from one stage to the next. Using that data, you can work backwards. Decide how many closes you need in the coming year and you’ll be able to predict how many names on a list you need to add to

your database to get those closes. BOOK RECOMMENDATION: “ROI from CRM, It’s about sales process, not just technology,” by Brian Gardner. Andi Gray is the 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.

PRINT JOURNALISM: BECAUSE IT STILL MATTERS. westfaironline.com

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DECEMBER 16, 2019

In Brief Indeed leases space at 2nd Stamford building

Indeed’s main Stamford offices are located at 177 Broad St. Photo by Matthew Brown / Hearst Connecticut Media

Job site Indeed has leased 24,000 square feet at 107 Elm St. in Stamford as it continues to expand its presence in the city. The new property, which joins the firm’s headquarters at 177 Broad St., will add about 200 jobs to the roughly 1,100 Indeed now employs in Stamford. The company said it expects to meet its goal of adding 1,700 jobs by 2031. Indeed announced in July 2017 that it expected to add up to 500 jobs over the next couple of years. Last year it said that it planned to invest $66 million toward expansion and that it was exploring real estate options to accommodate that growth. The Connecticut Department of Economic and Community Development (DECD) provided a 15-year, $7 million low-interest loan to support the expansion. Indeed is also eligible for up to $15 million in tax credits through DECD’s Urban and Industrial Sites Reinvestment Tax Credit program and loan forgiveness if certain employment obligations are met.

AG TONG ASKS SUPREME COURT TO REVIEW RULING ON TWEED AIRPORT

Connecticut Attorney General William Tong has asked the U.S. Supreme Court for its input on an

DECEMBER 16, 2019

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appeals court ruling that would enable Tweed New Haven Airport to expand its runway despite a state-imposed mandate limiting its length. In July, the U.S. Court of Appeals for the Second Circuit issued a 23-page decision that voided a 2009 state statute limiting the airport’s runway to 5,600 feet. The decision, which overturned a 2017 lower court ruling against the airport, acknowledged that Tweed’s runway is “one of the shortest commercial airport runways in the country” and determined that the final determination on its runway length lies with the Federal Aviation Administration and not the state. Tweed is the only airport along the Connecticut shoreline to offer commercial air routes and has been seeking to expand its runway length to at least 6,000 feet to attract carriers. The other airports along the Connecticut shoreline only offer corporate and private aviation. Sikorsky Memorial Airport, owned by the city of Bridgeport but located in Stratford, stopped offering commercial flights in 1999. GrotonNew London Airport ceased its commercial flight offerings in 2004. Tong filed a petition for a writ

of certiorari with the U.S. Supreme Court to review the appeals court ruling, and is seeking a high court decision on whether the airport can sue the state under the U.S. Constitution’s Supremacy Clause, as well as whether the FAA can preempt state law regarding the airport’s runway length.

INSURANCE CHIEF TELLS ALIERA COS. TO STOP PEDDLING FAITHBASED HEALTH PRODUCT

C on ne c t ic ut I n su r a nce Department Commissioner Andrew N. Mais has issued a cease-and-desist order against Aliera Companies Inc. and its subsidiary Trinity HealthShare Inc. on the grounds that they are not selling health insurance, but a health care sharing ministry. Aliera, which CID described as “an unlicensed insurance company in Connecticut,” has been administering and marketing health coverage on behalf of Trinity HealthShare. The latter represents itself as a health care sharing ministry whose members share a common set of ethical or religious beliefs. “Trinity HealthShare programs are not insurance,” the company’s website states. Instead, the 501(c)(3) nonprofit’s “members hold a common set of ethical and religious beliefs, and volun-

tarily agree to share their medical expenses in accordance with those beliefs. In other words, we guide the cost sharing of member contributions for certain eligible health care needs, such as hospitalization, surgery and emergency room visits.” Ted Doolittle, the state’s health care advocate, accused Aliera of engaging in “deceptive marketing and unfair claims adjudication practices that include preexisting condition exclusions, lifestyle choices and other reasons that ordinarily would be prohibited” under the Affordable Care Act. While Aliera and Trinity will continue to process and pay health care claims for existing policies, they are prohibited from soliciting and selling any new business in Connecticut. Over the past several months, cease-and-desist orders against the two firms have also been issued by Washington, Colorado, Texas and New Hampshire.

CONNECTICUT’S MEDIAN HOME SALE PRICES RISE

Connecticut’s housing market hit new median price peaks in October, according to The Warren Group. Single-family home sales during October totaled 2,907 transactions, up slightly from the 2,879 transactions recorded one year earlier. The median single-family home sale price for the month was $255,000, a 3.7% yearover-year increase and a 12-year high for the month of October. While the year-to-date figure of 27,992 single-family home sales in Connecticut was 2.7% below the level in the first 10 months of 2018, the median sale price hit $262,000, up by 0.8% from the same period last year. In the condominium market, the 812 transactions in October was down from the 843 sales recorded one year earlier. But while sales were down, prices were up. The sector’s median sale price rose on a year-overyear basis to $168,000 compared with $155,000 one year earlier, which marked a five-year high for the median condo sale price in October. Year-to-date there have been 7,616 condo sales, a 1.2% decline from the first 10 months of 2018, and the median sale price of $165,000 was down by 0.3% from the same period in 2018.

CONNECTICUT PROJECTING $31.6M BUDGET DEFICIT

Connecticut Comptroller Kevin Lembo has issued an updated forecast for a $31.6 million budget deficit in fiscal year 2020. Lembo said his updated forecast was based on the projected revenue reduction of $84.5 million by the state Office of Policy and Management and the Office of Fiscal Analysis coupled with a $24 million net deficit projected in the fringe benefit accounts, which he mostly attributed to fewer than anticipated retirements. Lembo also noted his adjusted forecast encompasses a $100 million increase in tax refunds, mostly the result of larger-than-expected refunds for the income tax and pass-through entity tax, plus a $20.7 million reduction in revenue related to the new plastic bag surcharge. Lembo noted that if current projections are realized, a $318.3 million volatility transfer would be made to the budget reserve fund — more commonly known as the “rainy day fund” — at the close of the fiscal year. The fund balance is now at $2.5 billion.

THOMSON REUTERS MOVES STAMFORD OFFICE TO 677 WASHINGTON BLVD

Thomson Reuters Inc. has signed a lease for 24,457 square feet of office space at 677 Washington Blvd. in Stamford. The company, now based in the city at 1 Station Place, will relocate to its new office in the second quarter of 2020. Thomson Reuters will be joining WWE, KPMG and Perkins Eastman at the 12-acre, 700,000-square-foot property, which was home to UBS until it relocated in 2016 to 600 Washington Blvd. George Comfort & Sons represented building owners Stamford Washington Investors LLC and Stamford Washington Land LLC in the transaction while Joe Cabrera and Mike Gordon of CBRE represented Thomson Reuters.

STATE SETTLES LAWSUIT WITH CONNECTICUT HOSPITAL ASSOCIATION

The lawsuit filed against the state by a number of hospitals under the Connecticut Hospital Association banner has been settled, bringing an end to a yearslong dispute. A special legislative

In Brief session has been scheduled for Dec. 18 to approve the agreement. The settlement will result in a withdrawal of all pending legal claims that various hospitals filed against the state challenging the first hospital “user fee,” or “hospital tax,” including the lawsuits filed in 2016, and all of the rate appeals brought by hospitals challenging Medicaid payments. The seven-year agreement stabilizes user-fee revenues for both the state and the hospitals, and will help fund the state’s share of the Medicaid program and other state programs. The state is able to abrogate legal claims that potentially exposed it to up to $4 billion in liability. Hospitals will have a more stable and predictable user-fee schedule, with the agreement providing for a reduction in the user fee from $900 million to $820 million by fiscal year 2026. The agreement also increases Medicaid hospital rates by about 2% per year, sets supplemental payments and provides one-time Medicaid payments this fiscal year. The parties retain the ability to negotiate changes to the agreement in the event of changes in federal requirements that would impact the terms of the settlement. Because the settlement exceeds $2.5 million in value, the matter must go before the Connecticut General Assembly for approval and adoption of implementing legislation. House Republican Leader Themis Klarides has indicated her support for the settlement.

BRIDGEWATER ASSOCIATES CO-CEO EILEEN MURRAY RESIGNS

Bridgewater Associates co-CEO Eileen Murray will depart the Westport firm at the end of the first quarter of 2020, with co-CEO David McCormick remaining as sole CEO. Murray joined the $160 billion hedge fund in 2008 and has been co-CEO since 2013. Five people have held CEO or co-CEO positions at Bridgewater since founder Ray Dalio left that role in 2011 after 10 months as co-CEO. He retains the titles of co-CIO and co-chairman.

UCONN PROPOSES $3,200 TUITION HIKE OVER FIVE YEARS

The University of Connecticut is proposing a plan that will raise in-state tuition by a total of $3,200 over the next five years. The plan increases the in-state tuition by $608 in the fall of 2020, followed by a $625 increase in 2021, a $642 increase in 2022, a $660

increase in 2023 and a $679 increase in 2024. UConn’s in-state tuition is now $13,798 while out-of-state tuition is $36,466. Connecticut students comprise about 80% of UConn’s student body. Tuition and fees are used to finance approximately 41% of UConn’s annual operating budget while the state funds 26% and the remaining percentages of the budget come from auxiliary revenue, research grants and philanthropy. The university acknowledged the proposed tuition plan would be adjusted if state funding decreased in the future.

next to J.C. Penney on the mall’s second level. Construction is underway on the store which is set to open in January. The chain has posted a sign at the site seeking potential employees. The Trumbull location will be the eighth 7-Eleven in Fairfield County, joining two in Danbury and one each in Bethel, Fairfield, Norwalk, Southport and Stratford. The Westfield Mall’s most recent new tenant was a Haagen-Dazs ice cream parlor that opened next to the lower level food court last month.

NINE AREA FIRMS MAKE NEWSWEEK’S ‘MOST RESPONSIBLE COMPANIES’ TALLY

Reed’s Inc., the Norwalkheadquartered provider of the Ginger Beer and Virgil’s beverage brands, has recruited Thomas J. Spisak as chief financial officer. He replaces Iris Snyder, who left the company last month.

Six Westchester County firms and three in Fairfield County have been named to Newsweek’s list of “America’s Most Responsible Companies.” The list was based on publicly available key performance indicators derived from corporate social responsibility reports, sustainability reports and corporate citizenship reports as well as an independent survey. Analysis covered three sectors: environmental, social and corporate governance. The survey evaluated 2,000 U.S. public companies with the top 300 making the final cut. Regeneron Pharmaceuticals, based in Tarrytown, was the top Westchester company, coming in at No. 25 with a total score of 82.2. It was followed by Xylem in Rye Brook (No. 55, 77.8); Mastercard in Purchase (No. 60, 77.4); IBM in White Plains (No. 67, 76.3); PepsiCo in Purchase (No. 188, 68); and ITT in White Plains (No. 269, 61.7). In Fairfield County, XPO Logistics in Greenwich came in at No. 95 with a score of 73.9, followed by United Rentals in Stamford (No. 129, 71.3) and Xerox in Norwalk (No. 179, 69). United Rentals was founded by Bradley Jacobs, who is the founder, chairman and CEO of XPO. Topping the Newsweek survey was HP, based in Palo Alto, California, which scored 94.4. It was followed by Cisco Systems of San Jose, California (91.2) and Dell of Round Rock, Texas (90.3).

7-ELEVEN TO OPEN AT TRUMBULL’S WESTFIELD MALL

The newest tenant arriving at Trumbull’s Westfield Mall will be a 7-Eleven convenience store. 7-Eleven will occupy a space

SPISAK NAMED CFO AT REED’S IN NORWALK

Thomas Spisak comes to Reed’s from Diageo.

Spisak was previously at Diageo, where he was vice president of finance and controller of North America and earlier held the titles of vice president of commercial finance, director of business performance and senior finance director of marketing and innovation decision support. Prior to working at Diageo, he

was a financial planning and reporting analyst at International Masters Publishers Inc. Joann Tinnelly, who served as interim CFO following Snyder’s departure, will resume her role as vice president and corporate controller and take on an expanded role in finance and corporate strategy, reporting to Spisak.

Steve Cohen

Hedge fund exec Steve Cohen in talks to buy the New York Mets BY PHIL HALL phall@westfairinc.com

reenwich resident and hedge fund executive Steve Cohen is in negotiations with the owners of the New York Mets to buy a majority stake of the Major League Baseball team. The team’s ownership group, Sterling Partners, is run by the father-and-son team of Fred and Jeff Wilpon. The Mets issued a statement detailing that the transaction would enable Fred Wilpon to remain the Mets’ CEO and Jeff Wilpon as chief operating officer for the next five years. Cohen, the president and CEO of Stamford’s Point72 Asset Management, will have his interest in the team managed by his family office, Cohen Private Ventures. Cohen’s previous firm, S.A.C. Capital Advisors, pleaded guilty to insider trading charges and paid

a $1.8 billion fine in 2013, which the Department of Justice identified as the largest insider trading settlement in history. In 2016, he settled a civil case with the Securities & Exchange Commission that prohibited him from managing outside money until 2018, at which time he relaunched S.A.C. as Point72. Neither the Mets nor Cohen provided the financial aspects of the transaction, which has yet to be finalized. Bloomberg News, citing an unnamed “person familiar with the matter,” reported the deal’s value would be a baseball record of $2.6 billion, with Cohen acquiring up to an 80% stake in the team. Forbes reported the Mets had $340 million in revenue during 2018 and a valuation of $2.3 billion. The Mets won the National League pennant in 2000 and 2015, but have not won a World Series since 1986. Fred Wilpon and his brother-in-law Saul Katz bought their first stake in the Mets in 1980, with Wilpon becoming majority owner of the Mets in 2002. Cohen, whom Forbes estimated as being worth $13.6 billion, bought a 4% stake in the team in 2012 after a failed attempt to acquire the Los Angeles Dodgers.

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DECEMBER 16, 2019

In Brief FRONTIER COMMUNICATIONS TAPS BERNARD HAN FOR CHIEF EXECUTIVE ROLE

Frontier Communications Corp. has announced the appointment of Bernard L. Han as president and CEO. Han, who will also become a member of the board of directors, succeeds Daniel

McCarthy, who is leaving the Norwalk-based company. Han comes to Frontier from DISH Network, where he served as executive vice president of strategic planning from 2016 to 2018, and was chief operating officer from 2010 to 2016 and chief financial officer from 2006 to 2010. Earlier in his career, he was CFO at Northwest Airlines and CFO and chief marketing officer at America West Airlines.

FACTSET RELOCATING GLOBAL HQ IN NORWALK

FactSet is relocating its global headquarters from Merritt 7 Corporate Park in Norwalk to nearby 45 Glover Ave. The company provides integrated financial information and analytical applications. The new headquarters will occupy more than 173,000 square feet. There are more than 900 Norwalk-based FactSet employees.

Bernard Han

NORWALK’S 800 CONNECTICUT AVE. SOLD TO NY INVESTOR KAMRAN HAKIM

CBRE’s Institutional Properties group has closed on the sale of 800 Connecticut Ave. in Norwalk, the world headquarters of Booking Holdings, to KH 800 Connecticut Avenue LLC, an entity owned and controlled by New York-based real estate investor Kamran Hakim. The sale price was not disclosed. A fund sponsored by CBRE Global Investors paid $48.5 million to acquire the property from a MetLife affiliate in 2015. In addition to Booking Holdings and its Priceline subsidiary, tenants at the 412,231-square-foot office park include Hitachi Capital America Corp., Remedy Partners and Omega Engineering. The CBRE team of Jeffrey Dunne, David Gavin, Steven Bardsley, Jeremy Neuer, Gene Pride and Travis Langer represented the seller and procured the buyer.

Tongue in Chiqúe

ANTIQUES AND DESIGN STORE TONGUE IN CHIQÚE OPENS IN BRIDGEPORT

Thanks to their good union jobs, Fairfield County cleaners Maria Agüero and her mother Matilde Vargas have benefits that helped them study English and become U.S. citizens. For just one penny more per square foot of the monthly rent they receive, building owners could more than pay for a fair new union contract this holiday season. Support Maria and thousands of cleaners like her by asking your property manager or property owner to contribute A Penny More for Justice!

www.building-justice.org

Tongue in Chiqúe, a retail store and gallery specializing in antiques, art and interior design, has opened at 1069 Connecticut Ave. in Bridgeport. The business has operated for the last five years in Hudson, New York. According to co-owner Glenn P. Adams, the location is easier for its core customers in New York City, Westchester and Connecticut to visit.

CONNECTICUT TO DIVEST STATE FUNDS FROM GUN MANUFACTURERS

Connecticut Treasurer Shawn T. Wooden has announced plans to divest the state’s investment portfolio from gun manufacturers. The treasurer’s office is responsible for more than $36 billion in pension and trust assets for approximately 212,000 state employees, teachers and retirees. Wooden’s initiative, which he dubbed the “Responsible Gun Policy” and requires permission from the Investment Advisory Council, would result in the divesture of $30 million in Connecticut pension funds from five publicly traded companies: Clarus Corp., Daicel Corp., Northrop Grumman, Olin Corp. and Vista Outdoor. Wooden said his office would consider a financial institution’s gun policy as a factor in establishing and renewing state contracts. He noted that Citibank and Rice Financial have been hired to lead Connecticut’s upcoming $890 million offering in general obligation bonds and pointed out that the companies have gun safety policies. Wooden’s cousin died from injuries related to a gunshot wound in June 2012.

SEIU 32BJ | 1177 Summer Street, Stamford CT, 06905 (203) 674-9965 www.seiu32bj.org - Phil Hall and Kevin Zimmerman

DECEMBER 16, 2019

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FOCUS ON

BANKING & INVESTMENTS FAIRFIELD COUNTY BUSINESS JOURNAL

CONTRIBUTING WRITER | By Dan Geller

Can money anxiety predict the economy?

s it possible to predict which way the economy is headed just by measuring the level of money anxiety? The answer is yes, and the Money Anxiety Index can provide some insight. It is a behavioral economics model that measures various indicators and factors associated with consumers’ level of financial worry and stress. It functions as an early-warning system for changes in the economy, allowing people to react in time to changes in the economic cycle. The index predicted the arrival of the Great Recession over a year prior to the official declaration of the recession in December 2007. It showed how consumers’ money anxiety was trending up starting in October 2006. Money anxiety is a survival instinct that warns us of financial danger. It is the same instinct that told our ancestors to run when they faced a tiger in the woods. In modern society, our survival instincts are centered on money which enables us to obtain life’s necessities such as food, shelter and clothing. Scientific studies confirm that people have two modes of decision-making — analytical and instinctive. The analytical mode is slow and cumbersome and requires concentrated effort, which is why we can perform only one analytical task at a time such as filling out a tax return form. The instinctive mode is fast and effortless, allowing us to handle mul-

MONEY ANXIETY INDEX Recession declared

62.5 60 57.5 55 52.5

Money Anxiety turning point May June July Aug. Sept. Oct. Nov. Dec. Jan Feb Mar April May June July Aug. Sept. Oct. Nov. Dec.

2006

2007

46 44 42 40

41.9

June July Aug. Sept. Oct. Nov. Dec. Jan Feb Mar April May June July Aug. Sept. Oct.

2018 tiple instinctive tasks at the same time such as driving and talking on the phone. People tend to make instinctive financial decisions when their level of money anxiety is elevated, and analytical financial decisions when their level of money anxiety is low. Many people make wrong financial decisions during times of high money anxiety.

2019 The latest observation of the index is that a likely recession was prevented in early 2019 by cuts in the Fed’s funds rate that reduced the level of money anxiety and kept consumer consumption strong. The index jumped 2.1 points after the Fed increased the funds rate at their last FOMC meeting of 2018. The index continued to rise by an additional 2.3 index points in January,

reflecting a growing financial anxiety by consumers. The turning point came when Fed Chair Jerome Powell addressed the Economic Club of Washington, D.C. on Jan. 10 stating that, “You should anticipate that we’re going to be patient and watching and waiting and seeing.” Powell’s statement and the Federal Open Market Committee

(FOMC) decision to leave the funds rate unchanged in their meeting on Jan. 29-30 alleviated some of the financial anxiety of consumers, and pushed the index down 2.2 points in February. The three subsequent Fed rate cuts in July, September and October of this year reduced the index to its lowest level in 50 years. The index, which declined 1.7 points from 43.6 to 41.9 in the third quarter, reflects high financial confidence and enabled consumers to increase their third-quarter spending by a 2.9% annualized rate. However, a prominent consumer sentiment survey, which is based on what people say in response to a questionnaire, shows a decline in consumer confidence during the third quarter. The survey shows a decline of 5.2 points, from 98.4 to 93.2, which means lower financial confidence. It is an economic impossibility that consumers with lower financial confidence will increase their spending. For the sake of accuracy, it’s time that the business community and the media start referring to hard-data indices, such as the Money Anxiety Index, for financial confidence. The index is likely to have some fluctuations in the next few months due to trade and global economic issues. However, it does not appear that such fluctuations are going to impact the financial confidence of people and their consumption levels. Dr. Dan Geller is a behavioral economist and the developer of the Money Anxiety Index. He can be reached at drgeller@analyticom. com or 415-891-3093.

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DECEMBER 16, 2019

Focus On banking & investments

CONTRIBUTING WRITER | By Jason Berg

Worry first about employees and last about money

hile itâ&#x20AC;&#x2122;s hard to spend money before youâ&#x20AC;&#x2122;re making it, you can evolve your business by reinvesting back into it. Doing so frequently and meaningfully can catalyze success, build wealth and earn bountiful returns. What does reinvestment look like? There are numerous ways to add value to your company and ultimately to your customers, by reallocating profits toward growth, human resources and expansion. By considering ways to improve your services, products and facilities, you may find that reinvesting in a certain area will help retain and attract new customers. If your parking lot is rid-

dled with potholes and the lines have faded over time, it might be time to consider re-paving. This will lead to a smoother and safer customer experience. Or perhaps your community lacks a professional service that you could offer by expanding your staff and hiring a specialist in that area. Neglecting to reinvest can lead to stagnation and stunted development, which can ultimately hinder your success. While the needs of each business differ, there are ways to reinvest that can be applied across the board.

VALUE YOUR EMPLOYEES

Employees are the lifeblood of every business and attracting, training and retaining talented workers is crucial. Without a dedicated

staff, the wheels stop turning and the entire operation suffers. Worry first about your employees and last about money. Ensure that you are compensating them fairly for their work, providing education and training as well as regular opportunities for growth within the organization. By offering these benefits you are more likely to attract top talent that will draw more customers and boost the companyâ&#x20AC;&#x2122;s bottom line. Some ways of showing appreciation seem minor but can raise morale. If employees feel valued and respected you will have a better chance of retaining them. At my business, Guardian Veterinary Specialists, everyone who achieves â&#x20AC;&#x153;employee of the

SURPRISE HOLIDAY TREAT!

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monthâ&#x20AC;? status receives a small bonus and is added into a year-end pool to win a cruise for them and a guest. Employees are also treated to lunch once per week and bagels on Wednesdays. Showing appreciation for their hard work is a worthy investment.

IMPROVE AND EXPAND

While it is tempting to settle into a business pattern that works, itâ&#x20AC;&#x2122;s important to reflect about ways to improve, grow and expand operations. Talk to your customers, employees, patients, vendors, etc. Ask them how you can enhance their experience. Perhaps your building needs repairs or your technology needs to be upgraded. Commit to regularly making improvements, even on a

small scale, and you will gain an edge in your market.

SEEK FINANCIAL SUPPORT

Allocating funds back into your business can be difficult without the support of a bank or financial institution. To expand and improve Guardian Veterinary Specialists, I searched for a local lending program that would allow me to make upgrades, hire top talent and provide much needed services to customers. I chose to partner with Tompkins Mahopac Bank, which offers a Healthcare Practitioner Lending Program that was created to support those in the health care field. Tompkins was helpful throughout the application process and beyond. I was able to expand

our facility and add value to my customers. While spending money can seem daunting, allocating funds toward employees and operational improvements creates a stream of wealth that will benefit your business for many years to come. Dr. Jason Berg is a board-certified neurologist and internist who has more than 22 years of experience as a practicing veterinary specialist, business founder and owner. In 2018, Dr. Berg founded Guardian Veterinary Specialists, a 29,000-square-foot emergency, critical care and specialty hospital in Brewster that serves referring primary care veterinarians and pet owners throughout New York and Connecticut.

FESTIVE HOLIDAY POP-UP BOUTIQUE

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DECEMBER 16, 2019

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DECEMBER 16, 2019

Good Things ABILITY BEYOND HONORS MENTAL HEALTH ADVOCATES

Deborah Costello, left, Greenwich Hospital Auxiliary, and Marcia O’Kane, Greenwich Chamber president and CEO.

ALL DECKED OUT FOR THE HOLIDAYS

The Greenwich Chamber of Commerce announced the three winners of its Holiday Storefront Decorating Contest at its recent holiday party held at Gilles Clement Designs. The winner from central Greenwich was Carriage House. Greenwich Hospital Auxiliary was the winner for the west side of town and Estate Treasures was the winner from the east side of town.

NEW BOARD MEMBERS FOR NEWTOWN’S 12.14 FOUNDATION A nonprofit organization dedicated to fostering well-being in children, 12.14 Foundation announced the election of three new members to its board of directors and the selection of Raiza Herrera-Arnone as the foundation’s executive director. The new board members are Maryrose Kristopik, Armel Romeo Kouassi and Valerie Cinkovic. Founded soon after the 2012 Sandy Hook Elementary School tragedy in Newtown, 12.14 Foundation’s mission is to provide programming, which helps instill grit and resilience in youth through a character development program called “ARC,” coupled with high-level mastery experiences in the performing arts. The Foundation’s NewArts program annually stages musicals in which hundreds of Connecticut-based students perform in and help produce plays, alongside theatrical professionals. Kristopik is an award-winning master teacher and music educator of 35 years, the last 17 at the Sandy Hook School. Kouassi is a senior executive at Northern Trust, the financial services company based in New York City and Chicago. Cinkovic, an attorney and human resources advisor, is the principal of VMC Legal, at which she provides clients with a wide range of business development, HR and legal services. Herrera-Arnone, who serves as vice president of the foundation’s board, will lead the organization’s programming and fundraising initiatives and day-to-day operations in her capacity as executive director.

DECEMBER 16, 2019

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At its annual autumn breakfast last month, Ability Beyond honored community leaders who are making a difference. The event took place at the Amber Room Colonnade in Danbury. Approximately 300 attendees and supporters of the charity event raised $60,000 for Ability Beyond’s Mental Health Services, which will help men and women with mental illness, often compounded by substance abuse issues, find a job and their own home and become part of the community. Assistant State Attorney Sharmese Hodge received The Theresa Foss Memorial Award for continued advocacy to pursue justice on behalf of victims of violence and abuse in the region, particularly among the state’s most vulnerable populations. Dr. Tait Michael and Kevin McVeigh received The Celine Karraker Memorial Award. The team is the creator and supervisor of the community care team

Rev. James R. Wheeler

FORMER PARISH PASTOR ELECTED TO HABITAT BOARD

From left: Jane Davis, president and CEO, Ability Beyond; Assistant State Attorney Sharmese Hodge; and Eric Foss. Photo courtesy of Ability Beyond.

(CCT) in Danbury, Norwalk and New Milford hospitals. They save and rebuild lives of the people they treat during emergency care. Michael and McVeigh

link high-risk patients with entitlements and regional service providers, including mental health services, housing and sobriety programs of Ability Beyond.

HABITAT’S REALTOR LUNCH & LEARN WORKSHOP Drone photographer Julie vanderKroef offered tips on how to incorporate a bird’s-eye view into marketing a new listing during a recent Realtor Lunch & Learn workshop held by Housatonic Habitat for Humanity at its ReStore thrift warehouse in Danbury. Sponsored by Fairfield County Bank, the session was the latest in a series of lunchtime workshops presented by Housatonic Habitat and the Northern Fairfield County Board of Realtors, Greater New Milford Board of Realtors and the Ridgefield Board of Realtors. Open to the public, the workshop also spoke to architects and other businesses benefiting from this new marketing tool. Contact info@housatonichabitat.org if you are interested in presenting a topic at a future Realtor Lunch & Learn workshop in 2020.

CPA SOCIETY’S FIRST-EVER CTCPA WOMEN’S AWARDS

Julie vanderKroef talks about drones during a recent Realtor Lunch & Learn workshop.

HOSPITAL’S TREE OF LIGHT CELEBRATION OFFERS COMFORT Greenwich Hospital’s annual Tree of Light celebration brought area residents and hospital staff together to honor the lives of loved ones continued to be held dear. The nondenominational event held Dec. 2 featured readings and music, culminating with the lighting of an evergreen tree strung with hundreds of lights. Donations from the purchase of lights support the hospital’s Palliative Care program to comfort seriously ill pa-

The Rev. James R. Wheeler was elected to the Housatonic Habitat for Humanity board of directors. He joined Housatonic Habitat as the volunteer interfaith coordinator earlier this year. Wheeler recently retired from parish ministry after a 39-year career. For more than a decade he was senior pastor of St. John’s Episcopal Church in Stamford. Both in Stamford and in previous parishes, Wheeler has been an active volunteer with Habitat, helping in construction, house repair and fundraising.

tients and their families. The tree will remain on the Sanna and Victor Borge Terrace until Jan. 6 before being planted in the hospital’s Carl and Dorothy Bennett Community Garden, which is open to the public.

Information for these features has been submitted by the subjects or their delegates.

Area residents and hospital staff gathered to remember loved ones during the Tree of Light celebration at Greenwich Hospital to support the hospital’s Palliative Care program.

The Connecticut Society of Certified Public Accountants (CTCPA) will honor four female CPAs for distinguished service and three female CPAs as women to watch when the organization holds its first-ever CTCPA Women’s Awards Breakfast at 8:30 a.m. on Wednesday, Jan. 22 at the TPC River Highlands in Cromwell. The Distinguished Service honorees are: Mary R. Gilhuly, CPA, executive vice president and chief financial officer at Community Mental Health Affiliates Inc., New Britain. Marcia L. Marien, CPA, finance director/controller in the town of Brookfield. Susan A. Martinelli, CPA, office leader — New Haven and assurance partner at RSM US LLP. Vanessa Rossitto, CPA, partner- industry leader government services group at Blumshapiro, West Hartford. The Women to Watch include: Mary Santella Connolly, CPA, audit and assurance senior manager at Deloitte & Touche LLP, Stamford. Katherine Donovan, CPA, assurance manager at Whittlesey, Hartford. Ilona Gooley, CPA, senior manager at Andersen. Hartford. The CTCPA invites the public to join in a celebration that is not exclusive to women, but a celebration inclusive of all. The registration fee is $45 for CTCPA members and $55 for nonmembers and registration is available online at ctcpas.org/ctcpawomen.

Success Runs in the Family

NOMINATE NOW Deadline: January 17

Submit your nomination at : westfaironline.com/events For the seventh year, Westfair Communications is honoring the leaders who built businesses in Westchester and Fairfield counties and kept them in the community — and in the family. Tell us about your own business or a family-owned business you think deserves recognition.

Business Requirements: • Owned by two or more relatives • Located in Fairﬁeld County or Westchester County or the Hudson Valley • At least ﬁve years old WestfairOnline

For event information, contact: Olivia D'Amelio at odamelio@westfairinc.com. For sponsorship inquiries, contact: Marcia Pflug at mpflug@wfpromote.com or 203-733-4545.

PRESENTED BY:

BRONZE SPONSORS:

SUPPORTERS:

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DECEMBER 16, 2019

Facts & Figures BUILDING PERMITS Commercial Almeida Pools, Bridgeport, contractor for Wilmington Saving Fund Society. Perform replacement alterations at 7 Loch Lane, Greenwich. Estimated cost: $5,000. Filed September 2019. Argus Development LLC, Old Greenwich, contractor for 33 Grossett LLC. Perform replacement alterations at 33 Grossett Road, Old Greenwich. Estimated cost: $4,000. Filed September 2019. Belle Haven Club, Greenwich, contractor for Belle Haven Club. Set up for a private party at 100 Harbor Drive, Greenwich. Estimated cost: $3,000. Filed September 2019. Boender, Michiel A., Greenwich, contractor for Horseneck Associates LLC. Perform replacement alterations at 20 Horseneck Lane, Greenwich. Estimated cost: $50,000. Filed September 2019. Boender, Michiel A., Greenwich, contractor for M H Cohen Ltd. Make alterations for a new personal service at 73 Greenwich Ave., Greenwich. Estimated cost: $15,000. Filed September 2019. Common, William, Cos Cob, contractor for William Common. Construct swimming pool and safety barrier at 4 Holly Way, Cos Cob, Estimated cost: $75,000. Filed September 2019. Complete Dismantling Service, Stamford, contractor for Greenwich Academy. Perform replacement alterations at 2 Patterson Ave., Greenwich. Estimated cost: $1,000. Filed September 2019.

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.

Moeller, Hans F. and Ingeborg W. Moeller, Greenwich, contractor for Hans F. Moeller. Construct swimming pool and safety barrier at 5 Mansion Place, Greenwich. Estimated cost: $75,000. Filed September 2019.

R W Haggerty Pools, Norwalk, contractor for Christa Kurd. Construct swimming pool and safety barrier at 156 Overlook Drive, Greenwich. Estimated cost: $45,000. Filed September 2019.

Braydan Construction LLC, Stamford, contractor for Diana Brainerd. Renovate bathrooms and closets at 21 West Way, Old Greenwich. Estimated cost: $50,000. Filed September 2019.

Derosa Builders LLC, Greenwich, contractor for Seth R. and Amanda J. Miller. Remodel master bathroom and closet at 90 Rockwood Lane, Greenwich. Estimated cost: $80,000. Filed September 2019.

Mannion Daniel, Old Greenwich, contractor for Daniel Mannion. Construct a two-story addition to rear of house at 2 Meadowbank Road, Old Greenwich. Estimated cost: $105,000. Filed September 2019.

R W Haggerty Pools, Norwalk, contractor for Four A’s Realty LLC. Construct swimming pool and safety barrier at 2 Avon Lane, Greenwich. Estimated cost: $58,000. Filed September 2019.

Brennan Maintenance, Stamford, contractor for 64 Oneida Drive LLC. Remove roof and replace with cedar roof at 569 Indian Field Road, Greenwich. Estimated cost: $59,400. Filed September 2019.

Dianis, Thomas W. and Mauree Dianis, Cos Cob, contractor for Thomas W. and Mauree Dianis. Finish basement at 96 Valleywood Road, Cos Cob. Estimated cost: $15,000. Filed September 2019.

MGM Carpentry LLC, Stamford, contractor for David Mirin. Renovate kitchen and bathroom at 155 Field Point Road, Greenwich. Estimated cost: $11,000. Filed September 2019.

Regal Blu Pool and Spa LLC, Stamford, contractor for Josh and Yael Rosen. Construct swimming pool and safety barrier at 20 E. Point Lane, Old Greenwich. Estimated cost: $105,000. Filed September 2019.

Carpentry, Rosa, Greenwich, contractor for Timothy J. and Annette K. Kane. Remodel kitchen and family room at 379 Stanwich Road, Greenwich. Estimated cost: $85,000. Filed September 2019.

Northeast Tent Productions, Stamford, contractor for Riverside Yacht Club Inc. Set up for a private party at 102 Club Road, Riverside. Estimated cost: $5,675. Filed September 2019.

Sherwood Farm LLC, Greenwich, contractor for Sherwood Farm LLC. Set up for a private party at 10 Sherwood Ave., Greenwich. Estimated cost: $5,000. Filed September 2019.

Cleveland Riggs Construction, Fairfield, contractor for Matt and Nathalie Rhone. Replace bathroom, increase closet size and master bedroom at 135 Doubling Road, Greenwich. Estimated cost: $48,000. Filed September 2019.

Dibico Construction of Connecticut, Greenwich, contractor for Association Capital Realty Corp. LLC. Perform a demolition of nonbearing walls at 191 Mason St., Greenwich. Estimated cost: $20,000. Filed September 2019.

Northeast Tent Productions, Stamford, contractor for Greenwich Country Club. Set up for a private party at 19 Doubling Road, Greenwich. Estimated cost: $2,175. Filed September 2019.

Starr Tents, New Rochelle, New York, contractor for the town of Greenwich. Set up for a charity event at 100 Arch St., Greenwich. Estimated cost: $65,000. Filed September 2019.

Northeast Tent Productions, Stamford, contractor for Riverside Yacht Club Inc. Set up for a private event at 102 Club Road, Riverside. Estimated cost: $5,840. Filed September 2019. Northeast Tent Productions, Stamford, contractor for Brian P. Keil. Set up for a private event at 32 Midwood Drive, Greenwich. Estimated cost: $1,975. Filed September 2019.

Northeast Tent Productions, Stamford, contractor for Greenwich Boys Club Association. Set up for a private party at 4 Horseneck Lane, Greenwich. Estimated cost: $2,410. Filed September 2019. Northeast Tent Productions, Stamford, contractor for Riverside Yacht Club Inc. Set up for a private party at 102 Club Road, Riverside. Estimated cost: $6,450. Filed September 2019. Northeast Tent Productions, Stamford, contractor for Riverside Yacht Club Inc. Set up for a private party at 102 Club Road, Riverside. Estimated cost: $6,500. Filed September 2019. R W Haggerty Pools, Norwalk, contractor for Phillip Ruth. Renovate the swimming pool at 481 Round Hill Road, Greenwich. Estimated cost: $50,000. Filed September 2019.

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

DECEMBER 16, 2019

ON THE RECORD

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The Bruce Museum, Greenwich, contractor for The Bruce Museum. Perform replacement alterations at 1 Museum Place, Greenwich. Estimated cost: $4,000. Filed September 2019. Town of Greenwich, contractor for the town of Greenwich. Perform replacement alterations at 90 Harding Road, Old Greenwich. Estimated cost: $7,000. Filed September 2019.

Residential 37 Fairway LLC, Greenwich, contractor for 37 Fairway LLC. Renovate kitchen, baths, windows and some framing at 37 Fairway Lane, Greenwich. Estimated cost: $60,000. Filed September 2019. Argus Development LLC, Old Greenwich, contractor for 33 Grossett LLC. Construct a single-family residence at 33 Grossett Road, Old Greenwich. Estimated cost: $2.5 million. Filed September 2019.

Duffy Construction Inc., Stamford, contractor for Gina Modica. Add bathroom and laundry room at 5 Vista Ave., Old Greenwich. Estimated cost: $28,000. Filed September 2019.

CPP 409 Greenwich Avenue LLC, Greenwich, contractor for CPP 409 Greenwich Avenue LLC. Remove part of common wall at 409 Greenwich Ave., Greenwich. Estimated cost: $10,000. Filed September 2019.

Greenwich Tent Co., Bridgeport, contractor for John Henry Moulton. Set up for a private party at 129 Round Hill Road, Greenwich. Estimated cost: $48,308. Filed September 2019.

Croosroad Holdings LLC, Greenwich, contractor for Crossroad Holdings LLC. Renovate kitchen and install new sink at 149 John St., Greenwich. Estimated cost: $50,000. Filed September 2019.

Dan Fay Construction, Stamford, contractor for Alyssa Realty LLC. Finish basement and first floor at 338 Greenwich Ave., Greenwich. Estimated cost: $250,000. Filed September 2019. Davenport Contracting Inc., Stamford, contractor for Joseph Cipola. Renovate basement and construct new laundry room at 8 Willow Road, Riverside. Estimated cost: $175,000. Filed September 2019. Davenport Contracting Inc., Stamford, contractor for Andrew J. and Susan Robertson. Renovate bathrooms and change showers at 411 Stanwich Road, Greenwich. Estimated cost: $175,000. Filed September 2019.

Hayden Building Maintenance, West Nyack, New York, contractor for River Run at the Mill Association LLC. Remove, re-roof and replace skylights at 12 Glenville St., Greenwich. Estimated cost: $38,046. Filed September 2019. Kerbs, John Spiess, Old Greenwich, contractor for John Spiess Kerbs. Construct a single-family residence at 32 West Way, Old Greenwich. Estimated cost: $620,000. Filed September 2019. Liamani, Annick, Greenwich, contractor for Annick Liamani. Renovate kitchen and bathroom at 28 Edgewood Ave., Greenwich. Estimated cost: $100,000. Filed September 2019.

Morell, Gaspar and Megan Morell, Greenwich, contractor for Gaspar and Megan Morell. Add a bathroom at 7 Glen Ridge Road, Greenwich. Estimated cost: $20,000. Filed September 2019. Mucci, Jarret and McDonald A. Mucci, Riverside, contractor for Mucci Jarret. Remodel kitchen and remove wall between kitchen and living room at 81 Mary Lane, Riverside. Estimated cost: $10,000. Filed September 2019. Natale Construction, Greenwich, contractor for Leonard A. Carlucci. Install new walls, bathroom and bedroom at 16 Bowman Drive, Greenwich. Estimated cost: $92,000. Filed September 2019. Quality Homes USA, Westbury, New York, contractor for Mandel Mantello. Remove and re-roof 236 Stanwich Road, Greenwich. Estimated cost: $32,000. Filed September 2019. R D Williamson Inc., Old Greenwich, contractor for Bill and Jackie Hammack. Remove and install new shower at 51 Forest Ave., Unit 137, Old Greenwich. Estimated cost: $4,000. Filed September 2019. Roth, Stephen Scott and Melissa Roth, Greenwich, contractor for Stephen Scott Roth. Construct new pergola at 169 Milbank Ave., Greenwich. Estimated cost: $20,000. Filed September 2019. Sage Spruce LLC, Greenwich, contractor for Sage Spruce LLC. Extend room and remodel kitchen at 202 Round Hill Road, Greenwich. Estimated cost: $250,000. Filed September 2019. Saunders, Christian, Greenwich, contractor for Christian Saunders. Install wood-burning stove at 74 Cliffdale Road, Greenwich. Estimated cost: $2,683. Filed September 2019.

Facts & Figures Seaboard Weather Proofing, Port Chester, New York. contractor for Greenwich Towers Condo. Replace roof terrace at 11 and 15 Lafayette Cottage, Greenwich. Estimated cost: $77,230. Filed September 2019. Servidio Landscaping LLC, New Canaan, contractor for Bodey W. Forrest. Demolish single-family dwelling at 34 Connecticut Ave., Greenwich. Estimated cost: $18,000. Filed September 2019. Silvermine Building Company LLC, Norwalk, contractor for Natasha Grewal. Remove wall between kitchen and family room at 28 Forest Ave., Old Greenwich. Estimated cost: $1,170. Filed September 2019. Steve Ivan, Norwalk, contractor for Jason N. Butler. Install new kitchen cabinets, enlarge sink and window at 530 North St., Greenwich. Estimated cost: $9,000. Filed September 2019. Terzian Trucking Company Inc., Norwalk, contractor for Richard F. Zannino. Demolish single-family dwelling at 36 Lismore Lane, Greenwich. Estimated cost: $20,000. Filed September 2019. Toczydlowski, Marcin, Cos Cob, contractor for Marcin Toczydlowski. Replace siding at 10 Valleywood Road, Cos Cob. Estimated cost: $25,000. Filed September 2019. Tulipane, Juliann M., Old Greenwich, contractor for Juliann M. Tulipane. remodel kitchen and family room at 46 Tomac Ave., Old Greenwich. Estimated cost: $75,000. Filed September 2019. Westview Electric LLC, Guilford, contractor for Margarette Mickelson. Maintain fire-resistance ratings at 351 Pemberwick Road, Unit 201, Greenwich. Estimated cost: $16,000. Filed September 2019. Zang, Joseph A. and Mabel, Cos Cob, contractor for Joseph A. and Mabel J. Zang. Install new kitchen cabinets and electrical outlets at 104 Hillcrest Park Road, Cos Cob. Estimated cost: $35,000. Filed September 2019.

Zarra, Vito and Linda Zarra, Greenwich, contractor for Vito and Linda Zarra. Replace windows at 19 Linden Place, Greenwich. Estimated cost: $15,000. Filed September 2019.

COURT CASES Bridgeport Superior Court Holmes, Lindsey April, Milford. Filed by Ruben Rivera, Bridgeport. Plaintiff’s attorney: Law Offices of Edward Czepiga LLC, Bridgeport. Action: 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 the court deems appropriate. Case no. FBT-CV-196091174-S. Filed Nov. 1. Laurent, Acheton, et al, Bridgeport. Filed by Erline Dennis, Bridgeport. Plaintiff’s attorney: Trantolo and Trantolo LLC, Bridgeport. 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 the court deems appropriate. Case no. FBT-CV-196091187-S. Filed Nov. 1. Melo, Hector Argenis, et al, New York, New York. Filed by Larita Hudson, Stamford. Plaintiff’s attorney: Miller Rosnick D’Amico August & Butler P, Bridgeport. 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 the court deems appropriate. Case no. FBT-CV-19-6091186-S. Filed Nov. 1.

The Standard Fire Insurance Co., Hartford. Filed by Rafael Santos, Norwalk. Plaintiff’s attorney: James Owens Gaston, Bridgeport. Action: The plaintiff suffered a collision allegedly caused by another driver and sustained severe and painful personal injuries. The defendant didn’t have sufficient automobile insurance to fairly compensate the plaintiff, which triggered a claim for underinsured motorist coverage benefits against the defendant. The defendant was notified and has failed to compensate the plaintiff fairly. The plaintiff seeks monetary damages in excess of $15,000, exclusive of interest and costs and such other and further relief the court deems appropriate. Case no. FBT-CV-19-6091284-S. Filed Nov. 5.

Danbury Superior Court 46 Mill Plain LLC, Danbury. Filed by Solli Engineering LLC, Monroe. Plaintiff’s attorney: Russo & Rizio LLC, Fairfield. Action: The plaintiff furnished master-planning services for the defendant’s property. To secure an unpaid balance, the plaintiff filed a mechanic’s lien against the defendant for defaulting on the terms of the agreement and failure to pay the plaintiff the amount due. The plaintiff claims foreclosure of the mortgage, possession of the mortgage premises, monetary damages in excess of $15,000, exclusive of interest and costs and such other and further relief the court deems appropriate. Case no. DBD-CV19-6034282-S. Filed Nov. 7. NY Connecticut Corp., Danbury. Filed by Tarik Mathis, Hartford. Plaintiff’s attorney: Creed Law Firm LLC, Bristol. Action: The plaintiff worked for the defendant. During his employment, plaintiff was required to work eight-hour shifts without breaks or lunch and was denied training opportunities. The plaintiff seeks monetary damages in excess of $15,000, exclusive of interest and costs. Case no. DBD-CV-196033720-S. Filed Oct. 9. Padilla, Janet, et al, Bridgeport. Filed by Hamid R Haghpanah, Newtown. Plaintiff’s attorney: Varrone & Varrone, Trumbull. Action: 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 the court deems appropriate. Case no. DBD-CV-19-6033909-S. Filed Oct. 9.

Sanchez, Justo R., Danbury. Filed by Capital One Bank (USA), NA, Richmond, Virginia. Plaintiff’s attorney: London & London, Newington. Action: The plaintiff is a banking association. The defendant used a credit account issued by plaintiff and agreed to make payments for goods and services. The defendant failed to make payments. The plaintiff seeks monetary damages but less than $15,000, exclusive of interest and costs. Case no. DBDCV-19-6034324-S. Filed Nov. 12. Sunden, Jeffrey B., et al, New Fairfield. Filed by Midfirst Bank, Oklahoma City, Ohio. Plaintiff’s attorney: McCalla Raymer Leibert Pierce LLC, Hartford. Action: The plaintiff was assigned the defendants’ mortgage. The defendants defaulted on the terms of the agreement and have failed to pay the plaintiff the amount due. The plaintiff claims foreclosure and possession of the mortgage, monetary damages in excess of $15,000, exclusive of interest and costs and such other and further relief the court deems appropriate. Case no. DBD-CV-19-6034055-S. Filed Oct. 21.

Stamford Superior Court Bobik, Doris, et al, Stamford. Filed by One Strawberry Hill Association Inc., Stamford. Plaintiff’s attorney: Ackerly & Ward, Stamford. Action: The plaintiff provides assessment of common expenses in all units in a condominium where the defendant is owner of one of the units. The defendant has an outstanding balance due for common assessments, inclusive of late fees and charges. The plaintiff claims a foreclosure of its condominium common charge lien, possession of the premises, monetary damages in excess of $2,500, exclusive of interest and costs and such other and further relief the court deems appropriate. Case no. FST-CV-19-6044540-S. Filed Nov. 18. City of Norwalk, et al. Filed by Nathan Polite, Stratford. Plaintiff’s attorney: Sousa & Minogue LLC, Shelton. 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 the court deems appropriate. Case no. FST-CV19-6044446-S. Filed Nov. 12.

Whitney, Christian J., et al, Greenwich. Filed by The Washington Trust Co., Westerly, Rhode Island. Plaintiff’s attorney: Conway Londregan Sheehan & Monaco PC, New London. Action: The plaintiff is the owner of the defendants’ mortgage. The defendants defaulted on the terms of the agreement and have failed to pay the plaintiff the amount due. The plaintiff claims foreclosure and possession of the mortgage premises, monetary damages in excess of $15,000, exclusive of interest and costs and such other and further relief the court deems appropriate. Case no. FST-CV-19-6044436-S. Filed Nov. 12. Wilmink, Barbara D., et al, Stamford. Filed by Quicken Loans Inc., Detroit, Michigan. Plaintiff’s attorney: Bendett & Mchugh PC, Farmington. Action: The plaintiff was assigned the defendants’ mortgage. The defendants defaulted on the terms of the agreement and have failed to pay the plaintiff the amount due. The plaintiff claims foreclosure of the mortgage, possession of the mortgage premises, monetary damages in excess of $15,000, exclusive of interest and costs and such other and further relief the court deems appropriate. Case no. FST-CV-196044014-S. Filed Oct. 11.

DEEDS Commercial 9 Hamilton Avenue Norwalk LLC, Dover, Delaware. Seller: Christopher G. Collins, et al, Norwalk. Property: Unit B, Imperial Condominium, Norwalk. Amount: $10. Filed July 18. Aitoro, Caroline and Anthony Aitoro, Norwalk. Seller: Wells Fargo Bank NA, Norwalk. Property: 8 Branford St., Norwalk. Amount: $320,000. Filed July 23. Giuseppe DiLorio Revocable Trust, Norwalk. Seller: Giuseppe DiLorio, Norwalk. Property: 65 Osborne Ave., Norwalk. Amount: $1. Filed July 16. Giuseppe DiLorio Revocable Trust, Norwalk. Seller: Giuseppe DiLorio, Norwalk. Property: 67 Osborne Ave., Norwalk. Amount: $1. Filed July 16. Giuseppe DiLorio Revocable Trust, Norwalk. Seller: Giuseppe DiLorio, Norwalk. Property: 69 Osborne Ave., Norwalk. Amount: $1. Filed July 16.

FCBJ

Giuseppe DiLorio Revocable Trust, Norwalk. Seller: Giuseppe DiLorio, Norwalk. Property: 69 1/2 Osborne Ave., Norwalk. Amount: $1. Filed July 16. Giuseppe DiLorio Revocable Trust, Norwalk. Seller: Giuseppe DLIorio, Norwalk. Property: 72 Osborne Ave., Norwalk. Amount: $1. Filed July 16. Giuseppe DiLorio Revocable Trust, Norwalk. Seller: Giuseppe DiLorio, Norwalk. Property: 29 Glenrock Ave., Norwalk. Amount: $1. Filed July 16. Giuseppe DiLorio Revocable Trust, Norwalk. Seller: Giuseppe DiLorio, Norwalk. Property: 30, 32 and 34 Charles St., Norwalk. Amount: $1. Filed July 16. JJIB Properties LLC, Norwalk. Seller: Deutsche Bank National Trust Company, West Palm Beach, Florida. Property: Unit 9, Coach Run Condominium, Norwalk. Amount: $70,889. Filed July 23. Lucys Residences LLC, Fairfield. Seller: James F. Meehan, Stratford. Property: 468 Clark St., Bridgeport. Amount: $150,000. Filed July 6. Lucys Residences LLC, Fairfield. Seller: BMO Harris Bank National Association, Brookfield, Wisconsin. Property: 85 Brookside Ave., Bridgeport. Amount: $112,000. Filed July 8. Mir, Shahzad Masood and Asma S. Mir, Norwalk. Seller: Edward Swindler and Barbara Swindler, Norwalk. Property: 373 Chestnut Hill Road, Norwalk. Amount: $915,000. Filed July 24. Nabijan, Sheik and Khusial Caesar Bhagroo, Valley Stream, New York. Seller: SDF Capital LLC, Mamaroneck, New York. Property: 19 Cleveland Terrace, Norwalk. Amount: $220,000. Filed July 19. Nahmias, Nissin, Stamford. Seller: Foreclosure Signs LLC, Stratford. Property: 247 Wolfpit Ave. Norwalk. Amount: $630,000. Filed July 17. Palmer, Wayne, et al, Bronx, New York. Seller: SS Enterprise LLC, Trumbull. Property: 59 Infield St., Bridgeport. Amount: $285,000. Filed July 8.

DECEMBER 16, 2019

Facts & Figures RNMJ LLC, Bronxville, New York. Seller: G&N Associates, Bridgeport. Property: 4637 Main St., Unit 4, Bridgeport. Amount: $100,000. Filed July 9. Spaz Property LLC, Bridgeport. Seller: Federal Home Loan Mortgage Corp., Carrollton, Texas. Property: 32 Nob Hill Circle, Unit 58, Bridgeport. Amount: $77,900. Filed July 10. Trumbull Estates LLC, Brooklyn, New York. Seller: Blue Healer LLC, Norfolk. Property: 342 Norman St., Bridgeport. Amount: $220,000. Filed July 10.

Residential Ali, Khurram and Shahryar Nagori, Fairfield. Seller: Edna I. Lucas, Bridgeport. Property: 75-Wheeler Ave., Unit 205, Bridgeport. Amount: $76,000. Filed July 10. Anastasia, IV and Sarah E. Anastasia, Norwalk. Seller: Travis Funk and Jill Parsons-Funk, Norwalk. Property: Lot 43, Map 6137, Marlborough Road, Norwalk. Amount: $570,000. Filed July 16. Antolino, Nina, Wilton. Seller: Matthew M. Gass, New York, New York. Property: 11 Fawn Ridge, Unit 11, Wilton. Amount: $366,000. Filed July 24. Ayala, Pablo and Nicole Ayala, Kew Gardens, New York. Seller: Marcela Micheloni, Brooklyn, New York. Property: Lot 74, Map 2, Capitol Ave., Bridgeport. Amount: $410,000. Filed July 8. Barada, Raul, Bridgeport. Seller: Nelson Barada, et al, Stratford. Property: 1160 Park Ave., Bridgeport. Amount: $146,250. Filed July 8. Capozziello, Giani, Stratford. Seller: Mabel Reid, Bridgeport. Property: 822 William St., Bridgeport. Amount: $175,000. Filed July 9. Carpenter, Gina and Reed Montgelas, Stamford. Seller: Wei-Liang Hsu and Chia-Ling Li, Norwalk. Property: 203 Foxboro Drive, Unit 203, Norwalk. Amount: $425,000. Filed July 17.

DECEMBER 16, 2019

Chosgial, Sonam and Tanzin Choekyi, Rego Park, New York. Seller: Patricia L. Dineen, Norwalk. Property: 7 Lockwood Lane, Norwalk. Amount: $454,746. Filed July 22.

Gordon-Cowan, Stephaney, Yonkers, New York. Seller: William Medina and Jennifer Carvalho, Bristol, Rhode Island. Property: 29 Fullin Road, Norwalk. Amount: $435,200. Filed July 16.

Coachit, Yolette and Edison Guillaume, Norwalk. Seller: De Hua Ying and Friedrich M. Helisch, Norwalk. Property: 60 Lincoln Avenue Extension, Norwalk. Amount: $455,000. Filed July 24.

Guzman Alvarez, Ana C., Bronx, New York. Seller: Vikram Kapur, Stamford. Property: 1644 Fairfield Ave., Bridgeport. Amount: $320,000. Filed July 10.

Connolly, Michael J., Stamford. Seller: Jones Dankwa and Leslie E. Dankwa, Norwalk. Property: 19 Knollwood Road, Norwalk. Amount: $415,000. Filed July 19.

Hellandbrand, Janna M., Norwalk. Seller: Stephanie Bedusa, Weston. Property: Lot 54, Map 10503, Norwalk. Amount: $518,000. Filed July 22.

Corbo, Jennifer, Norwalk. Seller: Michael Corbo, Norwalk. Property: 329 Chestnut Hill Road, Unit 3, Norwalk. Amount: $0. Filed July 19.

Karim, Mohammad and Muna Hoque, Riverside. Seller: Robert W. Cole and Carie Levine Cole, Norwalk. Property: 134 Sunrise Hill Road, Unit 57, Norwalk. Amount: $304,000. Filed July 19.

Cotte, Alisha and Jamel Cotte, Bronx, New York. Seller: Antonio Salvatore Jr., Norwalk. Property: 16 Fullin Court, Norwalk. Amount: $410,000. Filed July 22. Cramer, Zoe Anne, Coventry. Seller: Miguel Silverio-Morilla, Bridgeport. Property: 415 Clarke St., Bridgeport. Amount: $250,000. Filed July 10. Cullen, Christopher Daniel, Norwalk. Seller: Cristina Cosentino, Norwalk. Property: 5 Rockland Road, Unit A8, Norwalk. Amount: $270,000. Filed July 22. Dhanraj, Parsram and PrattimaDhanraj, Stamford. Seller: Scott T. Friesen and Sandra N. Friesen, Norwalk. Property: 6 Sherwood St., Norwalk. Amount: $850,000. Filed July 16. Duplan, Monette and Edwige Duplan, Bridgeport. Seller: David Eng and Feng Ming Eng, Bridgeport. Property: 52 Asia Circle, Bridgeport. Amount: $271,500. Filed July 9. Gamez Benitez, David, Stamford. Seller: Quintino Sanchez, Bridgeport. Property: 305 George St., Bridgeport. Amount: $275,000. Filed July 8. Gaskill, Sherry, New Canaan. Seller: Lisa M. Passero, Norwalk. Property: 1 Wolfpit Ave., Unit 11, Norwalk. Amount: $275,000. Filed July 17.

FCBJ

Leclerc, Marjorie, Stamford. Seller: Sidney Otoshi, Norwalk. Property: Unit 30, Woodfield Common, Norwalk. Amount: $203,800. Filed July 18. Lubin, Heather K. and Christopher T. Panton, Norwalk. Seller: Lawrencw J. Anastasia and Sarah E. Anastasia, Norwalk. Property: 17 St. Maryâ&#x20AC;&#x2122;s Lane, Norwalk. Amount: $437,000. Filed July 17. MacDow, Craig and Carol S. MacDow, Norwalk. Seller: Patrick J. Scully and Kate G. Scully, Norwalk. Property: Lot 84, Map 2, Saddle Road, Norwalk. Amount: $380,000. Filed July 15. Maghini, Christine and Ryan Maghini, Stamford. Seller: James E. Mcelderry and Kimberly Mcelderry, Norwalk. Property: 161 Silvermine Ave., Norwalk. Amount: $525,000. Filed July 19. Melo, Jose E., Norwalk. Seller: Joseph H. Harris and Margareth M. Harris, Norwalk. Property: 74 N. Taylor Ave., Norwalk. Amount: $365,000. Filed July 17. Palmer, Naudia, Bridgeport. Seller: Edilberto Diaz Valencia and Martha L. Gomez, Norwalk. Property: 228 Pequonnock St., Bridgeport. Amount: $140,000. Filed July 8.

Payes, Marvin, Stamford. Seller: Cynthia A. Derry, Norwalk. Property: Lot 37, Map 49, Norwalk. Amount: $265,000. Filed July 24. Pensiero, Katie, Stamford. Seller: Bryan Wallman and Sarah Evans, Norwalk. Property: 71 Aiken St., Unit P3, Norwalk. Amount: $252,500. Filed July 15. Portillo, Javier and Maria M. Morales, Norwalk. Seller: David L. Colman, Norwalk. Property: 4 Fordham Drive, Norwalk. Amount: $344,000. Filed July 19. Prasad, Janniah S. and Shanti R. Prasad, Norwalk. Seller: Janniah S. Prasad and Shanti Prasad, Norwalk. Property: 435 Rowayton Ave., Norwalk. Amount: $1. Filed July 15. Reyna, Enio and Marcos E. Reyna, Greenwich. Seller: Thomas Sean Cullen and Michelle L. Hayes, Greenwich. Property: 48 Grumman Ave., Norwalk. Amount: $475,000. Filed July 22.

Watkins, Christopher J., Bridgeport. Seller: Tiago Godoy, Bridgeport. Property: 770 Platt St., Bridgeport. Amount: $238,000. Filed July 9.

FORECLOSURES Cavalry SPV I LLC. Creditor: Nationstar Mortgage LLC, Coppell, Texas. Property: 1150 Hancock Ave., Bridgeport. Mortgage default. Filed Oct. 16. Dolan, Mary Ellen, et al. Creditor: New Penn Financial LLC, Greenville, South Carolina. Property: 112 Glenvale Terrace, Bridgeport. Mortgage default. Filed Nov. 4. Fullard, Jesse, et al. Creditor: Connecticut Housing Finance Authority, Bridgeport. Property: Lots 83 and 84, Broadway Ave., Bridgeport. Mortgage default. Filed Oct. 10. Kodi Acquisitions LLC. Creditor: HSBC Bank USA NA. Property: 123 Exeter St., Bridgeport. Mortgage default. Filed Oct. 28.

Sinh, Mohinder, Norwalk. Seller: Adriana Cinquegrana, Altamonte Springs, Florida. Property: 50 Aiken St., Unit 226, Norwalk. Amount: $250,000. Filed July 15.

Lodygo, Tadeusz, et al. Creditor: The Bank of New York Mellon, Anaheim, California. Property: 597 James St., Bridgeport. Mortgage default. Filed Oct. 25.

Sokotch, Melvin and Joan Sokotch, Norwalk. Seller: Deirdre D. Smith and Ross Hewson Smith, Norwalk. Property: Oliver St., Norwalk. Amount: $1,079,000. Filed July 16.

Neff Companies LLC. Creditor: Neff Companies LLC DBA Rei Holdings, Springville, Utah. Property: 1845 Park Ave., Bridgeport. Mortgage default. Filed Oct. 15.

Talegaonkar, Akshay and Sanniti Pimpley, Plainville. Seller: Michael J. Santacroce, Westport. Property: 38 Hills Lane, Norwalk. Amount: $342,500. Filed July 22.

Ocasio, Juan, et al. Creditor: Pennymac Loan Services LLC, Westlake Village, California. Property: 136 Grand View Ave., Bridgeport. Mortgage default. Filed Oct. 24.

Valdez, Waldde D. and Karen Valdez, Norwalk. Seller: Thomas W. Schaumann and Diane R. Schaumann, Norwalk. Property: Lot 73, Map 3913, Echo Lane, Norwalk. Amount: $1. Filed July 17.

Ortiz, Jesus, et al. Creditor: Propel Financial 1 LLC, San Antonio, Texas. Property: 556 Gregory St., Bridgeport. Mortgage default. Filed Oct. 30.

Vitiello, Aniello and Deborah L. Vitiello, Riverside. Seller: Douglas James Becht and Lisa Carey Grossman Becht, Norwalk. Property: 5 Birch St., Norwalk. Amount: $541,900. Filed July 15. Washinsky, Gary, Norwalk. Seller: Steve Wargo and Eileen Conant, Norwalk. Property: 8 Rampart Road, Norwalk. Amount: $555,000. Filed July 24.

Ortiz, Jesus, et al. Creditor: Propel Financial 1 LLC, San Antonio, Texas. Property: 397 Dover St., Bridgeport. Mortgage default. Filed Oct. 30. Rychalsky, Alexander W. Creditor: Cazenovia Creek Funding I LLC, New Orleans, Louisiana. Property: 22 Carroll Court, Bridgeport. Mortgage default. Filed Oct. 30.

Sanchez, Edgar, et al. Creditor: Bank of America NA, Plano, Texas. Property: 57 Emerald St., Bridgeport. Mortgage default. Filed Nov. 8. Torres, Myrna I., et al. Creditor: HSBC Bank USA NA, Laurel, New Jersey. Property: 106 Judson Place, Bridgeport. Mortgage default. Filed Oct. 10.

JUDGMENTS Allen, Wendell, Bridgeport. $25,056, in favor of Unifund Corp., Cincinnati, Ohio, by Tobin & Marohn, Meriden. Property: 1521 Norman St., Bridgeport. Filed Oct. 30. Arapa, Paulina, Stamford. $1,533, in favor of Standard Oil of Connecticut, Bridgeport, by Philip H. Monagan, Waterbury. Property: 22 Webb Ave., Stamford. Filed Nov. 25. Balazsi, Stephen, Bridgeport. $7,620, in favor of Midland Funding LLC, San Diego, California, by London & London, Newington. Property: 132 Gilman St., Bridgeport. Filed Nov. 13 Boyd, Roy, Bridgeport. $4,877, in favor of The Southern Connecticut Gas Corp., Orange, by Nair & Levin PC, Bloomfield. Property: 101 Arthur St., Bridgeport. Filed Nov. 8. Bristow, Bernard J., Bridgeport. $7,861, in favor of Capital One Bank USA NA, Richmond, Virginia, by London & London, Newington. Property: 113 Eagle St., Bridgeport. Filed Nov. 13. Del Vecchio, Richard, Stamford. $951, in favor of Midland Funding LLC, San Diego, California, by Schereiber Law LLC, Salem. Property: 169 Thornridge Drive, Stamford. Filed Dec. 2. Gilbert, Mary S., Stamford. $5,772, in favor of Cavalry SPV I LLC, Valhalla, New York, by Schreiber Law LLC, Salem. Property: 245 Peeper Ridge Road, Stamford. Filed Dec. 2. Hamilton, Lakeba, Bridgeport. $1,512, in favor of HOP Energy LLC, Bridgeport, by William G. Reveley & Associates LLC, Vernon. Property: 60 Melbourne St., Bridgeport. Filed Oct. 30.

Facts & Figures Huggins, Kimberly, Bridgeport. $6,683, in favor of Midland Funding LLC, San Diego, California, by London & London, Newington. Property: 147 Kennedy Drive, Bridgeport. Filed Nov. 13.

Spaulding, Ollie B., Stamford. $10,713, in favor of Connex Credit Union, North Haven, by Grady & Riley LLP, Waterbury. Property: 61 Clinton Ave., Unit 3, Stamford. Filed Nov. 15.

Kamran Khalaj, Stamford. $408, in favor of Western Connecticut Medical Group, Bethel, by Flanagan & Peat, Danbury. Property: 102 Pine Hill Ave., Stamford. Filed Nov. 6.

Venanzi, Anna M., Stamford. $45,875, in favor of American Express National Bank, Salt Lake City, Utah, by Zwicker & Associates PC, Enfield. Property: 42 Larkspur Road, Stamford. Filed Nov. 20.

Leath, Kristina, Bridgeport. $1,339, in favor of Midland Funding LLC, San Diego, California, by Schreiber Law LLC, Salem. Property: 16 Fourth St., Stamford. Filed Dec. 2. Leath, Kristina, Bridgeport. $867, in favor of Midland Funding LLC, San Diego, California, by Schreiber Law LLC, Salem. Property: 16 Fourth St., Stamford. Filed Dec. 2. McCoy, Rosalie, Bridgeport. $583, in favor of Western Connecticut Medical Group, Bethel, by Flanagan & Peat, Danbury. Property: 247 Summerfield Ave., Bridgeport. Filed Oct. 17. Mendez, Carmen Y., Stamford. $2,115, in favor of Unifund Corp., Cincinnati, Ohio, by Tobin & Marohn, Meriden. Property: 14 Hearthstone Cottage, Stamford. Filed Nov. 18. Robinson, Alicia E., Bridgeport. $7,214, in favor of Capital One Bank USA NA, Richmond, Virginia, by London & London, Newington. Property: 436 Soundview Ave., Bridgeport. Filed Nov. 13. Sabatini, Mary M., Bridgeport. $2,265, in favor of Discover Bank, New Albany, Ohio, by Zwicker & Associates PC, Enfield. Property: 24 Oxford St., Bridgeport. Filed Nov. 13. Sarker, Moinuddin, Bridgeport. $5,553, in favor of Absolute Resolutions Investments LLC, Bridgeport, by Cohen, Burns, Hard & Paul, West Hartford. Property: 1376 Chopsey Hill Road, Bridgeport. Filed Oct. 28. Smith Young, Anne, Stamford. $17,773, in favor of American Express National Bank, Salt Lake City, Utah, by Zwicker & Associates PC, Enfield. Property: 407 Strawberry Hill Ave., Stamford. Filed Nov. 26.

LIENS

Mahalik, Gayle A., 229 Alden St., Fairfield. $8,407, civil proceeding tax. Filed July 12. Otoole, Debora J. and Kenneth W. Otoole, 350 Bennett St., Fairfield. $31,924, civil proceeding tax. Filed July 23. Ramos, Maria M. and Juan A. Ramos, 730 State St., Bridgeport. $22,982, civil proceeding tax. Filed July 23. Rhodes, Nia, 30 Brown Ave., Stamford. $33,920, civil proceeding tax. Filed July 1.

Federal Tax Liens Filed

Rich Realty, 2067 Barnum Ave., Stratford. $15,064, civil proceeding tax. Filed July 23.

Blake, Rodney N., 53 Evelyn St., Stratford. $11,786, civil proceeding tax. Filed Aug. 8.

Ross, Joseph C. and D. R. Schneider, 37 Pony Trail Road, Stamford. $85,488, civil proceeding tax. Filed July 1.

City Carting Holding Company Inc., 61 Taylor Reed Place, Stamford. $175,788, civil proceeding tax. Filed July 1. Cohen, Gary I., 1100 Summer St., Third floor, Stamford. $428,629, civil proceeding tax. Filed July 1. Connor, Thomas L. and Lisa G. Granadier, 1018 Valley Road, Fairfield. $77,290, civil proceeding tax. Filed July 15. Dailey, Michael C., 200 Henderson Road, Fairfield. $26,359, civil proceeding tax. Filed July 23.

Schwartz, Marjorie R., 51 Old Long Ridge Road, Stamford. $10,089, civil proceeding tax. Filed July 1. Shapiro, Jodi and Oren Shapiro, 55 Pershing Ave., Stamford. $31,089, civil proceeding tax. Filed July 1. Sheehan, Christine and James W. Sheehan, 36 Norvel Lane, Stamford. $23,392, civil proceeding tax. Filed July 1. Shockey, Elisabeth B., 31 Smedley Road, Fairfield. $21,038, civil proceeding tax. Filed Aug. 8.

Fernandez, Denise, 2036 Redding Road, Fairfield. $10,477, civil proceeding tax. Filed July 15.

Smyth, Paul E., 1156 Hope St., Unit 1, Stamford. $42,658, civil proceeding tax. Filed July 1.

Friess, Denise L., 50 Carter Drive., Stamford. $10,869, civil proceeding tax. Filed July 1.

Temp Air Company Inc., 67 Southfield Ave., Stamford. $55,237, civil proceeding tax. Filed July 1.

Gene, Michael and Gailann Clear, P.O. Box 825, Fairfield. $99,098, civil proceeding tax. Filed July 8.

Tortora, Paul M., P.O. Box 664, Southport. $124,226, civil proceeding tax. Filed July 23.

Kerstetter, Geraldine, 122 Brookside Drive, Fairfield. $1,148, civil proceeding tax. Filed July 10.

Vena, Nicholas, 13 Shoreham Village Drive, Fairfield. $9,890, civil proceeding tax. Filed July 12.

Leibrock, Edward V., 67 Shoreham Village Drive, Fairfield. $42,348, civil proceeding tax. Filed July 15.

Williams, Dexter and Stephanie A. Williams, 237 Long Ridge Road, Stamford. $19,392, civil proceeding tax. Filed July 1.

Mechanic’s Liens Ariel Electrical Services LLC, Norwalk. Filed by East Haven Builders Supply-US LLC, by the Law Office of Robert A. Ziegler. Property: 45 Wolfpit Ave., Norwalk. Amount: $21,746. Filed Aug. 26. United Properties North LLC, et al, Norwalk. Filed by Centerline Interiors LLC, by Ury & Moskow LLC. Property: 360 Dr. Martin Luther King Blvd. Buildings 4,5,7,8 and 9, Norwalk. Amount: $1,412,753. Filed July 2. WEB Construction Team LLC, Norwalk. Filed by CPM Environmental LLC, by the Law Office of Charles I. Miller. Property: 25 Van Zant St., Norwalk. Amount: $625,137. Filed July 18.

LIS PENDENS Adams, Mae Ella, et al, Stamford. Filed by Frankel & Berg, Norwalk, for Terry B. Adams. Property: 773 Atlantic St., Stamford. Action: foreclose defendants’ mortgage. Filed Nov. 12. Bobik, Doris, et al, Stamford. Filed by Ackerly & Ward, Stamford, for One Strawberry Hill Association Inc. Property: Unit 10C, One Strawberry Hill, Stamford. Action: foreclose defendants’ mortgage. Filed Nov. 12. Brown, Djuana R., et al, Stamford. Filed by Gerald S. Knopf, Stamford, for The Village at River’s Edge Association Inc., Property: 85 Camp Ave., Unit 1E, Stamford. Action: foreclose defendants’ mortgage. Filed Dec. 2. Clarence Street Bridgeport LLC, Bridgeport. Filed by Greene Law PC, Farmington, for the Water Pollution Control Authority. Property: 54 Clarence St., Bridgeport. Action: foreclose defendant’s mortgage. Filed July 16. Dardine, Wendy, et al, Bridgeport. Filed by Bendett & McHugh PC, Farmington, for Amerihome Mortgage Company LLC. Property: 45 Gurdon St., Bridgeport. Action: foreclose defendants’ mortgage. Filed July 16.

Domini, Anthony J., Stamford. Filed by McCalla Raymer Leibert Pierce LLC, Hartford, for Wells Fargo Bank NA. Property: 60 Larkspur Road, Stamford. Action: foreclose defendant’s mortgage. Filed Nov. 26.

O’Connell, Patrick, Stamford. Filed by Vincent J. Freccia III, Stamford, for the city of Stamford. Property: 129 Downs Ave., Stamford. Action: foreclose defendant’s mortgage. Filed Nov. 19.

Elmwood Estates LLC, Bridgeport. Filed by Greene Law PC, Farmington, for the Water Pollution Control Authority. Property: 75 James St., Bridgeport. Action: foreclose defendant’s mortgage. Filed July 16.

O’Shea, Kevin R., et al, Stamford. Filed by Vincent J. Freccia III, Stamford, for the city of Stamford. Property: 12 Ardsley Road, Stamford. Action: foreclose defendants’ mortgage. Filed Nov. 26.

Estiverne, Philomene, et al, Stamford. Filed by Ackerly & Ward, Stamford, for the Stamford Water Pollution Control Authority. Property: 5 Dryden St., Stamford. Action: foreclose defendants’ mortgage. Filed Nov. 18. Farinas, Maria, et al, Stamford. Filed by John F. Regan, Stamford, for Ridgefield Bank Mortgage Corp. Property: Lot A, Map 3821, Newfield Ave., Stamford. Action: foreclose defendants’ mortgage. Filed Nov. 12. Ferguson, Jeffery, Bridgeport. Filed by Marinosci Law Group PC, Warwick, Rhode Island, for US Bank National Association. Property: Wells St., Bridgeport. Action: foreclose defendant’s mortgage. Filed July 17. Freitas, Everson, et al, Stamford. Filed by McCalla Raymer Leibert Pierce LLC, Hartford, for Deutsche Bank National Trust Co. Property: 15 Bonner St., Stamford. Action: foreclose defendants’ mortgage. Filed Nov. 26. Mabesa, Helcon, et al, Bridgeport. Filed by Glass & Braus LLC, Fairfield, for US Bank National Association. Property: 132 Village Lane, Bridgeport. Action: foreclose defendants’ mortgage. Filed July 16. Medina, Heberto J., et al, Stamford. Filed by Bendett & McHugh PC, Farmington, for Wilmington Trust NA. Property: 126 Van Buskirk Ave., Stamford. Action: foreclose defendants’ mortgage. Filed Nov. 13. Millsap, Marshall, Stamford. Filed by Zeldes, Needle & Cooper PC, Bridgeport, for Jacqueline Kaiko. Property: 76 Mill Road, Stamford. Action: foreclose defendant’s mortgage. Filed Nov. 13.

FCBJ

PHH Mortgage Corp., Stamford. Filed by Vincent J. Freccia III, Stamford, for the city of Stamford. Property: 72 Gaymoor Drive, Stamford. Action: foreclose defendant’s mortgage. Filed Nov. 14. Poremba, Michelina B., et al, Bridgeport. Filed by Krasnow & Krasnow LLC, Bridgeport, for Foxledge Condo Association. Property: Foxledge Condominium, Unit 111, Bridgeport. Action: foreclose defendants’ mortgage. Filed July 17. Souffrant, Vernond, et al, Stamford. Filed by Bendett & McHugh PC, Farmington, for Connecticut Housing Finance Authority. Property: 22 Cantwell Ave., Stamford. Action: foreclose defendants’ mortgage. Filed Nov. 13. Stroffolino, Richard F., et al, Stamford. Filed by John F. Regan, Stamford, for the city of Stamford. Property: 136 Soundview Court, Stamford. Action: foreclose defendants’ mortgage. Filed Dec. 3. Toure, Yaya, et al, Bridgeport. Filed by Bendett & McHugh PC, Farmington, for Wells Fargo Bank NA. Property: 480 Woodside Ave., Bridgeport. Action: foreclose defendants’ mortgage. Filed July 16. Ventura, Frank, et al, Stamford. Filed by Vincent J. Freccia III, Stamford, for the city of Stamford. Property: 564 Webbs Hill Road, Stamford. Action: foreclose defendants’ mortgage. Filed Nov. 18. Victorino, Jaime S., et al, Stamford. Filed by Milford Law LLC, Milford, for Nationstar Mortgage LLC, Property: 22 Leslie St., Unit 8, Stamford. Action: foreclose defendants’ mortgage. Filed Nov. 25,

DECEMBER 16, 2019

Facts & Figures Voidaros, Vasiliki, et al, Stamford. Filed by Glass & Braus LLC, Fairfield, for Wells Fargo Bank National Association. Property: 12 Elm Tree Place, Stamford. Action: foreclose defendants’ mortgage. Filed Nov. 27. Wamae, Mwangi, et al, Stamford. Filed by Bendett & McHugh PC, Farmington, for Nationstar Mortgage LLC. Property: 167 Grove St., Unit N, Stamford. Action: foreclose defendants’ mortgage. Filed Nov. 26.

LEASES Crosley, Samantha and Jaileen Crosley, by Marylou Weeks. Landlord: Success Village Apartments Inc., Bridgeport. Property: 100 Court D, Building 26, Apartment 47, Bridgeport. Term: 35 years, commenced Oct. 30, 2019. Filed Oct. 30. EZ Stop Deli and Variety LLC, by Youssef Lakbiri-Alaoui. Landlord: Black Rock Realty Group LLC, Bridgeport. Property: 2091 Fairfield Ave., Bridgeport. Term: 10 years, commenced Oct. 29, 2019. Filed Oct. 29.

MORTGAGES

Doherty, Linda M., Stamford, by Richard Siegal. Lender: Fairfield County Bank, 150 Danbury Road, Ridgefield. Property: 36 Cerretta St., Unit 36, Stamford. Amount: $50,000. Filed July 16. Franco, Jose J. and Adriana Franco, Stamford, by Stella Charrales. Lender: Webster Bank NA, 145 Bank St., Waterbury. Property: 129 Knickerbocker Ave., Stamford. Amount: $81,000. Filed July 16. Gutierrez, Anthony E. and Melissa A. Gutierrez, Stamford, by Orfan S. Fak. Lender: Bank of America NA, 101 S. Tryon St., Charlotte, North Carolina. Property: 153 Weed Hill Ave., Stamford. Amount: $580,000. Filed July 16. Hamm, George K. and Susan E. Hamm, Stamford, by Antonio Faretta. Lender: JPMorgan Chase Bank NA, 1111 Polaris Pkwy., Columbus, Ohio. Property: 2142 Long Ridge Road, Stamford. Amount: $400,000. Filed July 16. Hastrup, Frantz and Teng Yen Lin, Stamford (no readable). Lender: Cross Country Mortgage Inc., 6850 Miller Road, Brecksville, Ohio. Property: 162 Bayberrie Drive, Stamford. Amount: $1,121,000. Filed July 16.

Bester, Marek, Stamford (not readable). Lender: Citizens Bank NA, 1 Citizens Plaza, Providence, Rhode Island. Property: 39 Red Bird Road, Stamford. Amount: $271,000. Filed July 16.

Parris, Dion and Sasae S. Grant, Bridgeport, by Anthony E. Monelli. Lender: Fairway Independent Mortgage Corp., 4201 Marsh Lane, Carrollton, Texas. Property: 257 Evers St., Bridgeport. Amount: $236,634. Filed July 3.

Brown, April S., Bridgeport, by Daniel Shepro. Lender: William Raveis Mortgage LLC, 7 Trap Falls Road, Shelton. Property: 146 Alexander Ave., Bridgeport. Amount: $220,000. Filed July 3.

Quick, Roger and Mary Ann Quick, Stamford, by Peter J. Ryan. Lender: Total Mortgage Services LLC, 185 Plains Road, Milford. Property: 28 Center Terrace, Stamford. Amount: $250,000. Filed July 16.

Cheng Wen Yang, Stamford, by John J. Bove. Lender: JPMorgan Chase Bank NA, 1111Polaris Pkwy., Columbus, Ohio. Property: 17 Norman Road, Stamford. Amount: $412,300. Filed July 16.

Rende, Robert S. and Carol A. Rende, Stamford, by Timothy Enright. Lender: Atlantic Home Loans Inc., 50 Route 46, Parsippany, New Jersey. Property: 48 Den Road, Stamford. Amount: $484,350. Filed July 16.

Delgado, Virginia and Robert Berisha, Bridgeport, by Maribeth Browne Goulden. Lender: Continental Mortgage Bankers Inc., 1025 Old Country Road, Suite 100, Westbury, New York. Property: 936 Lindley St., Bridgeport. Amount: $154,646. Filed July 3.

DECEMBER 16, 2019

Rossi, Christopher Michael and Nicole Piccininni, Stamford, by David R. Lasnick. Lender: Movement Mortgage LLC, 8024 Calvin Hall Road, Indian Land, South Carolina. Property: 666 Westhill Road, Stamford. Amount: $495,125. Filed July 16.

FCBJ

Talmage, Joseph M. and Meghan K. Talmage, Stamford, by Elizabeth Kolm. Lender: Quiken Loans Inc., 1050 Woodward Ave., Detroit, Michigan. Property: 27 Deacon Hill Road, Stamford. Amount: $442,000. Filed July 16. Watkins, Patricia A., Stamford, by Carole Tulco. Lender: First County Bank, 117 Prospect St., Stamford. Property: 257 Ocean Drive West, Stamford. Amount: $939,797. Filed July 16.

NEW BUSINESSES All Ways Caring Homecare, 1435 Bedford St., Suite 1J, Stamford 06905, c/o Res-Care Inc. Filed Sept. 19. Cardona Landscaping, 17B Hope St., Apartment 5B, Stamford 06906, c/o Elder Amilcar Cardona Lopez. Filed Sept. 9. Casa Inca, 1092 Hope St., Stamford 06902, c/o A & N Villa Enterprises LLC. Filed Sept. 13. Chicho’s 351 Shippan Ave., Stamford 06902, c/o Chichos Cocina LLC. Filed Sept. 4. Coast Floors LLC, 68 Avery St., Stamford 06902, c/o Geraldo Manjela da Costa. Filed Sept. 3. Cove Convenience, 734 Cove Road, Stamford 06902, c/o Khodiyar11 LLC. Filed Sept. 17. DG Construction Service, 45 Duffy St., Stamford 06902, c/o Dalton Gordon LLC. Filed Sept. 18. Extravagant Beauties, 202 Custer St., Stamford 06902, c/o Janicel Valdez Diaz. Filed Sept. 9. Fifth String Productions, 52 Strain Drive, Stamford 06902, c/o Valerie Bodurtha. Filed Sept. 19. Healthy 2100, 156 Overbrook Drive, Boulder, Colorado 80305, c/o Eileen M. Conway. Filed Sept. 12. Hector Villanueva Plumbing, 74 Pine Hill Ave., No. 5, Stamford 06902, c/o Hector Villanueva. Filed Sept. 4. Hudson Social, 128 Bedford St., Stamford 06901, c/o Paul Dillane. Filed Sept. 10.

In De Nik of Time, 91 Strawberry Hill Ave., Apartment 727, Stamford 06902, c/o Martha Newman. Filed Sept. 19. Kay Carpentry, 470 Glenbrook Road, Apartment 2B, Stamford 06906, c/o Andriy Koval. Filed Sept. 9. Love and Lavender Farm, 2435 Bedford St., Stamford 06905, c/o Ecomm LLC. Filed Sept. 18. Nano Glo, 156 Overbrook Drive, Boulder, Colorado 80305, c/o Eileen M. Conway. Filed Sept. 12. Nano Glow, 156 Overbrook Drive, Boulder, Colorado 80305, c/o Eileen M. Conway. Filed Sept. 12. Nano Noggin Analytics, 156 Overbrook Drive, Boulder, Colorado 80305, c/o Eileen M. Conway. Filed Sept. 12. Nano Noggin Technologies, 156 Overbrook Drive, Boulder, Colorado 80305, c/o Eileen M. Conway. Filed Sept. 12. Nano Noggin, 156 Overbrook Drive, Boulder, Colorado 80305, c/o Eileen M. Conway. Filed Sept. 12. Purple Squirrel, 156 Overbrook Drive, Boulder, Colorado 80305, c/o Eileen M. Conway. Filed Sept. 12. Rich Goods, 25 Flora Place, Stamford 06903, c/o Aaron Jackson. Filed Sept. 16. Spavia Stamford, 300 Atlantic St., Madison 06902, c/o SBR Family Corp. Filed Sept. 20. Stamford Veterinary Center and My Pet, 633 Hope St., Stamford 06907, c/o United Veterinary Care CT LLC. Filed Sept. 5. The Purple Company, 575 Glenbrook Road, Stamford 06906, c/o Maria Paz. Filed Sept. 20. The Purple Village, 575 Glenbrook Road, Stamford 06906, c/o Maria Paz. Filed Sept. 20. Willow N Sage Apothecary & Gift Shop, 28 Sixth St., Stamford 06905, c/o Keisha Allen. Filed Sept. 20.

PATENTS Disc preparation instrument for use in spinal fusion. Patent no. 10,500,060 issued to Andrew Bernhardt Jr., Florence, South Carolina; David Considine, Stratford; David Boisvert, Southington. Assigned to Spine Wave Inc., Shelton. Light fixture with narrow light distribution. Patent no. 10,502,375 issued to Connie Anna Steadman, Taylors, South Carolina; Shawn Ard Wilcox, Gray Court, South Carolina. Assigned to Hubbell Inc., Shelton. Luminaire with independently controlled light output. Patent no. 10,502,376 issued to Jeremy W. Ogg, Rockland, Massachusetts; Derek B. Baker, Middleboro, Massachusetts; Michael J. Centazzo, Franklin, Massachusetts; Cory A. Passerello, Plymouth, Massachusetts. Assigned to Hubbell Inc., Shelton. Method of making a fuser member. Patent no. 10,501,659 issued. To Matthew M. Kelly, West Henrietta; Yu Qi, Penfield; Timothy L. Harper, Penfield. Assigned to Xerox, Norwalk. Methods, systems and tools for 3D animation. Patent no. 10,504,265 issued to Daniel Abramovici, New York; Elvis Au, Bayside; Jonathan King, Forest Hills; Ron Klasky, Westport; James Wilkinson, Redondo Beach, California. Assigned to Blue Sky Studios Inc., Greenwich. Modular interbody fusion device. Patent no. 10,500,063 issued to Edward Charles Skolnick, Norwalk; Christopher P. Carson, Seymour. Assigned to Spine Wave Inc., Shelton.

Oxide inhibitor capsule. Patent no. 10,505,292 issued to Christopher Gilpin Chadbourne, Merrimack, New Hampshire. Assigned to Hubbell Inc., Shelton. Print head with integrated jet impedance measurement. Patent no. 10,500,846 issued to David L. Knierim, Wilsonville, Oregon. Assigned to Xerox, Norwalk. Printer and dryer for drying images on coated substrates in aqueous ink printers. Patent no. 10,500,872 issued to Chu-Heng Liu, Penfield; Douglas K. Herrmann, Webster; Paul J. McConville, Webster; Jason M. LeFevre, Penfield; Seemit Praharaj, Webster. Assigned to Xerox, Norwalk. Shared secret communication system with use of cloaking elements. Patent no. 10,505,722 issued to Iris Anshel, Tenafly, New Jersey; Dorian Goldfeld, Tenafly, New Jersey. Assigned to SecureRF Corp., Shelton. System and method for image presentation by a vehicle driver assist module. Patent no. 10,504,214 issued to Pranjal Chakraborty, Bangalore, India; Rajesh Biswal, Bangalore, India; Debashis Mukherjee, Bangalore, India. Assigned to Harman, Stamford. System and method for roll alignment of a multi-nozzle extruder in three-dimensional object printers using cross-process measurements. Patent no. 10,500,792 issued to David A. Mantell, Rochester; Christopher G. Lynn, Wolcott; Mark A. Cellura, Webster; Peter J. Nystrom, Webster. Assigned to Xerox, Norwalk. Water resistant pop-up outlet. Patent no. 10,505,310 issued to Sorin I. Mortun, Irvington. Assigned to Hubbell Inc., Shelton.

Associate, Model Risk (Greenwich, CT): Produce internal, client, and regulatory reports that support firm risk activities and participate in model validation to enhance strategic investment decision-making processes. Build and use investment models. Work with all primary asset classes (equities, rates, credit, foreign exchange (FX) and commodities) and economic relationships across asset classes. Build, prototype and improve model validation methodologies. Work with technical risk in the asset management industry. Program in Python, C++, SQL and Matlab. Work with investment strategies and models in the fixed income asset class, including sovereign bonds, bond futures, and Interest Rate Futures (IRF). Req’s Master’s degr plus 2 yrs exp. Mail resume to: AQR Capital Management, LLC, ATTN: S. Rao, 2 Greenwich Plaza, Greenwich, CT 06830. Must Ref: D026.

W F B In IG O AT R th e D R T CH ec E H em V be E E r2 A 3i L ss

REVEALING THE THRIVING THIRTY BEST COMPANIES IN FAIRFIELD COUNTY Following the release of THE CATEGORIES ARE: the winners on December 23, Most Entrepreneurial you will be able to vote for Most Family-Friendly Greenest them in seven categories Most Pet-Friendly at westfaironline.com. Most Visionary Most Promising for Future Generations Most Socially Conscious

Join us as we celebrate the Thriving Thirty and the seven BEST OF THE BEST

APRIL 28 AT 5 P.M. at the Crowne Plaza • 2701 Summer St., Stamford Business organizations partnering with the Fairfield County Business Journal are: Bridgeport Regional Business Council, The Business Council of Fairfield County, Darien Chamber of Commerce, Fairfield Chamber of Commerce, Greater Danbury Chamber of Commerce, Greater Norwalk Chamber of Commerce, Greater Valley Chamber of Commerce, Stamford Chamber of Commerce, Westport Weston Chamber of Commerce For information, contact: Olivia D’Amelio at odamelio@westfairinc.com. For sponsorships, contact: Barbara Hanlon at bhanlon@westfairinc.com or 914-358-0766.

PRESENTED BY:

SILVER SPONSORS:

BRONZE SPONSOR:

HOSPITALITY SPONSOR:

FCBJ

DECEMBER 16, 2019

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