Westchester County Business Journal 111416 by Westfair Business Journal

2 | IN THE VALLEY NOVEMBER 14, 2016 | VOL. 52, No. 46

16 | IN THE FAMILY westfaironline.com

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Millennial milieu

NEW ROCHELLE PERFECT BASE FOR YOUNG PROFESSIONALS, DEVELOPERS SAY BY BILL HELTZEL bheltzel@westfairinc.com

E A rendering of East & Hudson’s project, The Printhouse, in New Rochelle.

Airport flap LEGISLATORS SAY PUBLIC-PRIVATE PARTNERSHIP PLAN A ‘SURPRISE’ BY ALEESIA FORNI aforni@westfairinc.com

A $140 MILLION PLAN THAT would transfer management of the Westchester County Airport to a Los Angeles-based investment firm is being proposed by county officials, but the deal is being

met with some skepticism from the County Board of Legislators. Westchester County Executive Robert P. Astorino detailed a 40-year revenue-sharing lease between the county and Oaktree Capital Management LP earlier this month. The county expects the deal to improve passenger experience, energize the local economy and strengthen environmental protections without increasing the airport’s footprint.

The transaction would require the approval of the Federal Aviation Administration, though county officials said preliminary talks with the FAA have been favorable. Approval from the board of legislators, however, may prove more difficult to obtain. A two-thirds majority of the 17-member board is necessary for the agreement’s approval. So far, the deal has been met with hesitation by many » AIRPORT, page 6

ast & Hudson thinks it knows what millennials want. Young professionals want to be close to the big city. They want to be enveloped in technology. They want to be constantly connected to one another. Anup Misra, an architect, and Stanley Conway, a real estate broker and consultant, founded the firm to focus on millennials as that cohort moves into prime spending years. They want to tap into millennials’ “psycho-social” needs. Manhattan and Brooklyn are too expensive, so East & Hudson looks for sites within 60 minutes of Grand Central Terminal and Penn Station. Young people want to get to work quickly, Misra said, and have a place where “they can enjoy life after work.” New Rochelle fits the bill. East & Hudson has plans for two environmentally sensitive apartment buildings. They will have ample technology and creative spaces that will appeal to the generation that propelled the social media movement. Downtown New Rochelle offers nightlife, restaurants and shops, Misra said. The Long Island Sound is close by and the train station is a 30-minute commute to mid» EAST & HUDSON, page 6

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Tesla’s new take on solar is old hat for Dutchess company

BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

hen Elon Musk unveiled a new solar roof concept Oct. 31 for his SolarCity company, which offers photovoltaic panels integrated into actual roofing tiles for a home or business, it created serious buzz in the energy industry and beyond. But for one company in Poughkeepsie, the concept is far from new. SolarCity, which is in the process of being acquired by Musk’s other company, Tesla Motors, will produce the panels at its Buffalo plant. It marks the entrance for the leading national solar brand into the building-integrated photovoltaics, or BIPV, market, but it won’t be the first company to produce this style of solar. Atlantis Energy Systems Inc. has been producing BIPV for more than a decade from its 16,000-square-foot manufacturing plant in the town of Poughkeepsie. The company, which was founded in 2002, opened the plant in the Dutchess County town in 2004 after relocating from Virginia. Atlantis custom manufactures and sells a line of BIPV glass and solar Sunslate roof tiles, mostly to universities, hospitals and large government buildings, with a smaller residential operation as well. Atlantis’ line of products includes three different types of slate tiles, slate modules that can combine with a thermal energy system and custom BIPV options such as canopies, skylights, windows and sunshades with solar panels mounted. Dohn Paditsone, eastern U.S. and plant sales manager at Atlantis, said BIPV can provide a few advantages. First, aesthetics. The panels are hardly noticeable from ground level, compared with raised, roofmounted solar panels. You also don’t have to drill holes into the existing roof to install panels, which Paditsone said can cause leaks and property damage over time. Plus, it can provide a renewable energy source and a new roof for customers who need it. “Say you have a home ready for a new roof, or you’re designing and building a new home, then we’re the guys you want to talk to,” Paditsone said. The BIPV modules from Atlantis have a 25-year warranty, which is less com-

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Philip Germano, left, and Dohn Paditsone at the laminating machine that sandwiches photovoltaics between two large pieces of glass. Photo by Bob Rozycki.

mon among standard solar panel set-ups, according to Phil Germano, plant manager for Atlantis. Paditsone said he is waiting to hear more details on what exactly Tesla/ SolarCity plans to do with their BIPV products, but he cautioned that it can be a tough market for any company to enter. He pointed out that Dow Chemical Co., for all its Fortune 500 might, entered the market and couldn’t make it work. The company launched a line of building-integrated solar in 2011 and shut it down in July. “That’s a well-known company and there’s plenty of other companies that have tried as well,” Paditsone said. Building-integrated solar is more expensive, which is part of the difficulty, especially for residential projects. It also generates electricity about 2 percent less efficiently than standard modules. Paditsone said systems, including installation, can cost up to $8 to $10 per watt, while a standard solar system would come in around $3 per watt. While the usual state and federal tax breaks and incentives still apply, a BIPV system could cost between $30,000 and $50,000 for a residential project, depending on the size of the home. Commercial jobs can ring up in the millions. “Obviously if you want something to sell, you want to make it available to the general populace, but the problem is the

cost just isn’t there,” Paditsone said. “I can’t tell you that BIPV will ever be cheaper than standard modules. It’s not the same product. Because my product is not only giving you free electricity, I’m giving you roofing as well.” The company does a mix of international jobs, but Germano said the company does the bulk of its sales in the U.S. Atlantis has manufactured large projects such as a welcome center in Wyoming, the Alfred A. Arraj U.S. Courthouse in Denver and the Whitehall Ferry Terminal in Manhattan. Panels are manufactured mostly per order, though Atlantis does keep some panels stocked. Employees at the plant can range from 12 to as high as 46 depending on the project. The company will look to capitalize on the increased attention SolarCity/Tesla can bring to building-integrated solar. Paditsone said he’s already seen an increase in phone calls and emails since the announcement, and Germano said he believes Atlantis can offer a wider range of options. “Thankfully they are only focusing on the roofing tiles, so they haven’t really moved into where we have our business split half and half, with custom solar windows, skylights and terraces,” he said. The $2.2 billion deal to merge Tesla and SolarCity is still pending a vote by shareholders.

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Yonkers software firm takes a hack at hackathon craze

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Employees at IAC Applications in Yonkers work at the company’s first hackathon Nov. 3. Photo by Ryan Deffenbaugh.

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he headquarters of IAC Applications, three former factory floors and 40,000 square feet overlooking the Hudson River in Yonkers’ iPark Hudson, were more quiet than usual on Nov. 3, though not for a lack of activity. At least half of the 135 employees in offices were teamed up in groups of five or more dedicated to one task. Employees in black T-shirts that read “IAC Applications Hackathon 2016” hunkered over laptops writing code. It was the company’s inaugural attempt at a hackathon, which drew about 70 participants. Christopher Phillips, chief technology officer at IAC Applications, said the company was looking for a way to encourage collaboration in the office and kept landing on the idea of a hackathon. “The idea is to help break down some of those barriers,” he said. “Create more opportunities for interaction with people and focus on solving interesting problems, plus maybe learn some new technologies and get non-technology people involved in the process.” The hackathon focused on the workplace collaboration tool Slack. It’s a corporate messaging app that allows users to create Slack bots, which automate certain tasks for the companies that use it. For the hackathon, IAC Applications employees focused on developing Slack Bots that help internal processes, Phillips said, such as organizing teams and recognizing contributions. He said, for now at least, the hackathon isn’t intended to develop any new consumer products. “It’s more about, how do we empower teams?” he said. The hackathon split the 70 people across the company’s offices in Yonkers, Manhattan, Boulder, Colorado, and Oakland, California, into 15 teams, each tasked with creating its own bot applications. After four days of work, including whatever time employees want to spend on the weekend or after hours on the project, the projects were judged on Nov. 9.

Phillips said he was encouraged by the interest in the company’s first attempt at a hackathon, especially from people in nontechnology departments such as human resources, operations and communications, and would likely try to schedule another one in the future. “We’ll try to learn some things and continue to apply this,” he said. “We’ll find some sort of cadence or schedule where we can go and make this investment in the future.” Hackathon has become an increasingly ubiquitous term among technology companies in recent years. Google, Netflix, Amazon and Microsoft are all among tech giants that have hosted similar events for their employees. The concept for Facebook’s “Like” button started in a hackathon. The term might conjure up an image from a scene in the 2010 film “The Social Network,” where college-age coders furiously typed at laptops on a circular table and threw back whiskey shots to try to earn an internship with Facebook. But the reality, as seen at IAC Applications office, is a little less wild than the Hollywood version. Employees don’t have to stay up all night working or even miss a meeting if they already had one scheduled. The hackathon just allows employees to take time to work on something that is outside of their usual tasks, Phillips said. But there is food, too. The company ordered 50 egg and cheese sandwiches for breakfast and 12 large pizzas and salad for lunch during its hackathon. IAC Applications, which formerly was called Mindspark Interactive Network Inc., is a subsidiary of IAC/InterActiveCorp, a media company with more than 150 brands. IAC Applications creates applications for both desktop and mobile devices. Its products for mobile devices, developed under the name Apalon, include a live weather app, calculator and voice and text translator. On desktop, it develops browser add-ons that allow users to find coupons, check the weather and convert files, among other apps. IAC Applications moved its headquarters from White Plains to Yonkers in 2013, when it moved into the former Otis Elevators Co. complex at 29 Wells Ave. The company’s neighbors in iPark Hudson includes Kawasaki Rail Car, Inc. and the biotech company ContraFect Corp. Beyond discovering any new uses for Slack, Phillips said, the company’s hope for the hackathon is more that it will prove its value in encouraging collaboration throughout the workplace. “If people walk away having had a good time, worked with a bunch of different people, took a bunch of new challenges and had some level of creativity sparked, then by and large it was a success,” he said.

NYC firm pitches apartment project for Yonkers riverside BY ALEESIA FORNI aforni@westfairinc.com

lans have been revived to build a previously approved 1,395-unit luxury rental apartment complex in downtown Yonkers in a phased project over the next

decade. Proposed by Manhattan-based Extell Development Co., the six-building development with 51,800-square-feet of commercial space would be on 22 waterfront acres adjacent to the MTA bus depot. The complex would stretch from the former British International Cable Corp. property at 1 Point St. to the Excelsior Packaging plant at 159 Alexander St. at its southern tip. The development plans include five seven-story buildings and a single 22-story tower at the north end of the site. The five smaller buildings would house five stories of residential apartments over a two-story podium with parking and commercial space. In the first phase of the three-phase project, the company would redevelop a portion of the southern end of the site to accommodate two buildings totaling 670,135 square feet with 513 residential units and 14,300 square feet of commercial space. A second phase includes two 501-unit buildings totaling 560,120 square feet and 19,400 square feet for commercial tenants. The company would then build the 22-story, 541,473-square-foot tower on the northern part of the site that is now home to the “Blue Cube,” a 10-story, 30,000-squarefoot former industrial laboratory at 1 Point St. The proposed 277-unit tower would also feature 7,100 square feet of commercial space. A final 115,370-square-foot building housing 103 units and 1,100 square feet of commercial space would also be constructed during the final phase. Mark Weingarten, partner at DelBello Donnellan Weingarten Wise & Wiederkehr, the White Plains law firm representing Extell Development, said that the development would be built in phases to meet tenant demand, rather than speculative building. “We won’t be building empty buildings. We’re not building these buildings until the market shows up,” he said. The redevelopment, situated within the Alexander Street urban renewal area, would include 1,395 residential parking spaces, 284 spaces for commercial uses and 252 public spaces, along with 8 acres of open space and 4 acres of private rooftop gardens. The complex would be lined with a mixture of townhouses, neighborhood retail

and building services. The transit-oriented development is less than a half-mile from the Yonkers Metro-North Railroad station and just north of a planned 609-unit apartment complex by developer AvalonBay. In 2011, the Yonkers Planning Board approved a similar project proposed by a development team headed by Ron Shemesh, owner and CEO of Excelsior TWB Packaging Wilson &Group. Son In the new plan, total commercial space has been trimmed WCBJ 7.375” 7.125” h proposed 85,000 from thew xpreviously 11/3/16 square feet and all underground parking has been eliminated. The former proposal also included two 30-story towers and four six-story buildings. That development was delayed due to an extensive environmental

◀◀ Looking west from Point Street along the site toward the “Blue Cube,” the former British International Cable Corp. property. Photo by Aleesia Forni.

remediation program, which was completed in August. For the project to move forward, both the planning board and the city council must approve a special permit for the project. Weingarten said that while timetables are still up in the air, he hopes to have all approvals from the city by spring or summer of next year.

Extell is a developer of residential, commercial, retail, hospitality and mixed-use properties primarily in Manhattan. Extell’s more than 20 million-square-foot portfolio includes ONE57, a 90-story building on West 57th Street, according to the company’s website. Extell did not respond to requests for comment at press time.

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East & Hudson— » » From page 1

town Manhattan. The first project, The Printhouse, at 165 Huguenot St., will break ground soon. The site is next to Trump Plaza New Rochelle, across the street from New Roc City entertainment complex and a short walk to the Metro-North New Haven line at New Rochelle Station. East & Hudson is lining up a demolition contractor to tear down an office building that once housed Lloyd Machinery Ltd. The company sold and serviced graphic arts machinery and inspired the project name. The $26 million, six-floor, 64,000square-foot Printhouse will have 71 apartments. The design features a large lobby with a 16-foot ceiling, wall space for art and a social media wall that will display Twitter and LinkedIn feeds, news and weather, train schedules and a message board. If you are looking for someone to share pizza with, Misra said, just post a message

Airport — » » From page 1

legislators. The full lease agreement proposal was sent to the board on Nov. 4 following the public announcement of the deal one day prior. The board’s Majority Leader Catherine Borgia said the deal’s announcement came “as a surprise to many, if not all of us on the board of legislators.” Astorino was set to deliver the 2017 budget to legislators on Nov. 10, one that included $15 million in revenue from the airport deal. Both Borgia and County Legislator Ken Jenkins, a candidate for county executive, called the plan a “gimmick” to balance an unbalanced budget. Jenkins also called the proposed management lease “a giveaway.” “We can only surmise that an arrangement created behind closed doors, with no public input, was done with the intent of forcing legislators to approve this in exchange for funding various programs and services that the county executive has always desired to cut, including public safety efforts and services for children and families,” Borgia said. Jenkins and board Chairman Michael B. Kaplowitz questioned why negotiations with Oaktree were conducted behind closed doors. Kaplowitz said a request for proposals would have allowed the county to scour the market and determine which lessee would bring the most benefit to the airport. “We don’t know that until you ask the

NOVEMBER 14, 2016

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and “bang, you’ve got a partner.” The layout is designed to entice residents to come out of their apartments and mingle in the common spaces. The sixth-floor terrace will connect to a fitness center and game room. It will have seating and a fire pit for evening celebrations. A rooftop area will have a barbecue station, outdoor movie screen, herb gardens and seating. Tenants will be able to control their thermostats and lights and communicate with an e-concierge by Wi-Fi. The Printhouse will have a dog run, storage space, bike space and parking. The developers hope to rent 3,000 square feet of retail space to a deli or coffee shop or something else that attracts young people. Apartments will be smaller than typical suburban apartments but a bit larger than Manhattan spaces. Studios are sized at about 500 square feet, one-bedrooms at 715 square feet and two-bedrooms at 1,025 square feet. Ten percent of the units are being

offered at affordable rates. The remaining units will be rented at market rates. Rents will start about $2,000 for a studio, $2,150 for a 1-bedroom and $3,000 for a 2-bedroom. Magnusson Architecture and Planning is the architect from Manhattan. Megalith Capital Management of Manhattan is a development partner. Ten Com, a similar project that will be built at 10 Commerce St., is in an early phase of development. The nine-story, 260,000-square-foot building will be close to Exit 16 on Interstate 95. It will have 200 apartments and a parking garage. It also will use environmentally sensitive materials and designs. It is aimed at millennials, but is also designed to attract professional couples and empty nesters. The city planning board approved the site plan for Ten Com on Oct. 25. The city Industrial Development Agency has given preliminary approval to a $750,000 mortgage tax exemption, $1.5 million sales tax

world to bid,” he said. “With the lack of an RFP, it creates some doubt, frankly.” County administration officials said the deal is backed by a majority of the airport’s key airline tenants, including JetBlue Airways, American Airlines and United Airlines. “(Those airlines) know we’ve done it elsewhere and they’ve asked us to come here and achieve a similar outcome,” said Emmett McCann, managing director at Oaktree. As part of the agreement, those airlines have agreed in principle to a long-term use agreement that provides price certainty, greater operational efficiencies and guaranteed capital improvements. “The financial benefits of this publicprivate partnership will allow us to continue to keep taxes flat and government services both responsive and affordable,” Astorino said. As part of the deal, Oaktree would pay Westchester County $111 million upfront, structured so that those funds could be applied to the county’s budget over the course of the 40-year lease. The county would receive $15 million in the first year of the lease, followed by $5 million in each of the next four years and more than $2 million each succeeding year. Under the agreement, the county would no longer be responsible for improvements or ongoing maintenance at the airport. Oaktree would invest $30 million in airport improvements in its first five years, including a redesigned lounge, reconfigured ticketing area, improved parking, enhanced

arrival area and additional food and dining offerings. The agreement also provides for a new wastewater treatment facility for de-icing fluid. Those improvements are expected to create 300 construction jobs. The three county employees who work at the airport would have the option to remain with county government. All of the airport’s employees will have the option to pursue opportunities with Oaktree. Astorino stressed that the agreement would keep in place the airport’s 240-perhalf-hour passenger limit, a restriction in 2015 he proposed to relax. The plan would also maintain the footprint of the terminal and the airport’s hours of operation. The number of gates at the airport would remain at four, and there would be no additions or extensions of runways. “The business model here is to make the airport more profitable through better service, more amenities and greater efficiencies, not expansion,” Astorino said. The partnership would attempt to reinvigorate an airport that has seen its passenger totals dwindle in recent years, falling to 1.5 million total passengers in 2015 from a high of nearly 2 million in 2010. The plan is a product of a Federal Aviation Administration program that allows small to midsize airports to be run as public-private partnerships. Under the terms of the FAA program, money paid to the county by Oaktree can be used for all county programs. Until now, any revenue generated by the airport could only be used at the airport. Oaktree will take over operation of the

exemption and a 20-year payment in lieu of taxes agreement. The amenities will be on a grander scale than at The Printhouse. The rooftop will have a Zen garden. The dog park will be larger and will include grooming stations. A demonstration kitchen could be used by guest chefs to show tenants how to roll sushi or bake bread. No retail space is included. The project will displace Somnia Inc., an anesthesia medical services business; Royal Child Care Center; and a Cerebral Palsy of Westchester facility. Somnia and the Cerebral Palsy center are relocating to other towns. The city is trying to find a location for the day care center. Perkins Eastman is the architect. Misra told the IDA board that Ten Com would cost about $73 million and include about $54 million in debt. “It’s a fantastic design,” Luis Aragon, New Rochelle development commissioner, told the IDA. “It will change the gateway at Exit 16.”

County Executive Robert P. Astorino details a proposed lease agreement with Oaktree Capital Management at a press conference on Nov. 3.

airport from AvPorts, the Dulles, Virginiabased company that has managed the airport since 1977. “We decided to get aggressive on this as a new source of revenue and as a result, Oaktree brought their experience with them and they have done this in the past,” Astorino said. Oaktree has completed similar projects in Baltimore, Puerto Rico and London.

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NEW ROCHELLE APARTMENT TOWER SOLD FOR $148.5 MILLION

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THE 25-STORY LA ROCHELLE APARTMENT TOWER IN downtown New Rochelle has sold for $148.5 million. An affiliate of DSF Advisors in Waltham, Massachusetts, bought the building at 255 Huguenot St. from an affiliate of Hartz Mountain Industries in Secaucus, New Jersey. The transaction cost 38 percent more than the $107.5 million that Hartz paid when it bought the building from AvalonBay Communities in 2010. La Rochelle is near the New Rochelle Station, the transit hub that serves MetroNorth’s New Haven Line, Amtrak and the BeeLine Bus System. It is around the corner from Halstead New Rochelle, a 40-story tower at 40 Memorial Highway that DSF bought from AvalonBay for $210.4 million in 2013. The two residential towers were at the forefront of New Rochelle’s downtown residential renaissance in the late 1990s. La Rochelle has 412 market-rate apartments, 5,400 square feet of retail space and a parking garage with 707 spaces. The New Rochelle Industrial Development Agency, which controls the land, approved the La Rochelle sale on Aug. 30. The agency also approved a mortgage recording tax exemption valued at an estimated $400,000, and transfer of a payment in lieu of taxes agreement. The city and the IDA will receive about $1.5 million in fees and a percentage of the new debt that DSF takes on the finance renovations. The deed, lease and mortgage agreements closed in mid-October and were recorded on Oct. 31. DSF borrowed $103 million from Walker & Dunlop, a commercial real estate lender in Bethesda, Maryland. The loan consolidates old debt and a new $31 million mortgage. DSF has notified the city that it plans to renovate apartments as they become available and to upgrade common areas. Thomas Mazza, chief operating officer, said in a letter that DSF will apply the same formula it used at the Halstead. For that building, the company renovated the lobby, leasing office, pet park, courtyard and corridors. It created a clubroom and converted a banquet space on the top floor to a health club. DSF has said it will put the La Rochelle in its $400 million DSF Multifamily Real Estate Fund III, which is expected to close in December. DSF was founded in 2000 by Mazza, Arthur P. Solomon and Joshua Solomon. It manages about 3,000 rental units in the Northeast corridor that are worth $1.2 billion.

GINSBURG TOPS OFF RIVER TIDES AT GREYSTONE THE LATEST PROJECT FROM GINSBURG DEVELOPMENT COS., 330 luxury rental apartments in Yonkers, celebrated a step toward its completion Nov. 2 with a topping-off ceremony. The Valhalla-based developer completed the final floor and roof of the north tower of its $100 million River Tides at Greystone luxury apartment project. The development will offer a range of apartments from studio to three-bedroom in a pair of 10-story buildings at 1105-1135 Warburton Ave., in Yonkers’ Greystone neighborhood near its border with Hastings-on-Hudson. At a ceremony attended by Mayor Mike Spano and other Yonkers city officials, Ginsburg Development Cos. Principal Martin Ginsburg said returning home to the River Tides apartments will “feel like coming home to vacation every day.” It’s a line that Ginsburg has had the chance to deliver several times in the past year, as his company’s new luxury apartment buildings have dotted Westchester’s Hudson River towns. In just the past six months, the company has celebrated grand openings in Ossining with its $65 million, 118-unit Harbor Square apartment building, and in Hastingson-Hudson with the $35 million, 66-unit The Lofts on Saw Mill River apartment complex. Ginsburg also broke ground on another luxury Yonkers development during that time: the $21 million 1177@Greystone, also on Warburton Avenue. Spano said the River Tides at Greystone project will “establish Greystone as one of the premier apartment neighborhoods in Yonkers and Westchester.” Ginsburg Development expects to start filling the apartments in spring 2017. Monthly rents are expected to range from $1,495 for a studio to $4,995 for a corner penthouse apartment.

NYCRG BROKERS TWO LEASES AT MACK-CALI PROPERTIES BROKERS AT NEW YORK COMMERCIAL REALTY GROUP in Harrison have closed lease deals for two tenants at Westchester business parks owned by Mack-Cali Realty Corp. KB Beverage LLC signed a long-term lease for approximately 8,100 square feet of space at 200 Saw Mill River Road in the MidWestchester Executive Park in Hawthorne, according to NYCRG brokers. Churchill Linen Services Inc. signed a long-term lease for approximately 6,205 square feet of space at 200 Clearbrook Road in the Cross Westchester Executive Park in Elmsford. Danielle Izzo, senior director of leasing at Mack-Cali, represented the landlord in both deals. New York Commercial Realty Group brokers said they have closed six deals in the last year for approximately 68,600 square feet of space at Mack-Cali commercial properties in Westchester. —Bill Heltzel, Ryan Deffenbaugh, John Golden

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NOVEMBER 14, 2016

Mayor brokers deal to free up Fleetwood project BY BILL HELTZEL bheltzel@westfairinc.com

legal logjam that has stymied a residential development in Mount Vernon has broken, and the way the conflict resolved could change the way the city cultivates commerce. Mayor Richard Thomas brokered negotiations between well-heeled New York City developers who were fighting over parking. The dispute was having a chilling effect on development, Thomas said, and last spring he intervened “to have a conversation, not litigation.” On one side were Alexander Development of Manhattan and the Bluestone Organization of Jamaica, Queens. They had been cleared to build a 16-floor, 249-apartment building at 42 Broad St. West in the city’s Fleetwood section. On the other side were Bronx-based developer Joseph Simone and Manhattan developer Ralph Della Cava, who own and lease storefronts and offices near the proposed apartment building.

Fleetwood Garage was at the center of the dispute. The city built the 4-story garage in 1979, operated it as a public facility, leased the air rights but did not own the land. Alexander Development bought the garage for $3.2 million in 2014 to provide parking for future residential tenants. The developers also planned to create 15,000 square feet of retail space on the ground floor. But merchants in parking-scarce Fleetwood rely on the garage for their customers. Simone and Della Cava sued to stop the project and by last spring the case was in state appeals court. Thomas said both sides seemed committed to fighting it out in the courts for a long time. He saw an opportunity. Deadlines were looming. The judge could issue an opinion at any time. The 42 Broad developers were running out of time to finance their project. Thomas urged the landlords and developers to de-escalate their dispute, to find common ground, to see the broader interests of the city in creating a thriving business sector.

In July, the Fleetwood landlords withdrew their appeal. Negotiations continued “inch by inch,” the mayor said, primarily over the parking garage. Ultimately, the 42 Broad developers agreed to restore ground-floor parking for public use. That means they have to cut retail space and restructure their business plan. Eight months ago, when groundbreaking was imminent, company President Mark Alexander estimated that 42 Broad would cost $85 million. Now he figures it will cost more than $90 million. “The litigation itself was not too costly,” he said. “But the market for financing is not as strong as a year ago. In that sense, the delay caused by those proceedings was not helpful.” Alexander said Westchester County is notorious for lengthy and challenging approval processes that have created pentup demand and high prices. Thomas also had a stake in the dispute. Last year, while serving on the city council, he voted on the losing side against legislation that relinquished the city’s air rights to the garage. Giving up air rights and operating

rights was a bad decision, he said. Parking is tight everywhere and the city cannot afford to sacrifice public parking. But in the interest of making Fleetwood prosper, he set aside his sticking point. The parking dilemma has prompted broader action. Just as public parking in Fleetwood is vital to every pizza shop, nail salon and restaurant, parking is crucial throughout the city. “There is no way to grow and sustain retail in the city,” Thomas said, “if there is no place to park.” Thomas directed the city’s Industrial Development Agency and Urban Renewal Agency to create a comprehensive parking plan. He has directed the police department to design decals for cars that could give Mount Vernon residents preferential parking. A city resident, for example, might get less restrictive parking at the three Metro-North train stations. More broadly, Thomas said he hopes the 42 Broad deal will signal that projects can get done and businesses can thrive in Mount Vernon. Alexander said he expects to close on financing and begin demolition and construction for 42 Broad by the end of January.

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NOVEMBER 14, 2016

THELIST: LARGEST PUBLIC COMPANIES

WESTCHESTER COUNTY

LARGEST PUBLIC COMPANIES

Westchester County

Ranked by 2015 net revenue. Company Name Address Area code: 914, unless otherwise noted

CEO Title Year company established

2015 net revenue

2014 net revenue

Verizon Communications

Lowell C. McAdam Chairman and CEO 1983

$131.6 billion

$127.1 billion

Global communications, information and entertainment company

IBM Corp.

Virginia Rometty Chairman, president and CEO 1914

$81.7 billion

$92.8 billion

Develops, manufactures, sells and services advanced informationprocessing products

PepsiCo. Inc.

Indra K. Nooyi Chairman of the board and CEO 1965

$63.1 billion

$66.7 billion

Manufactures, packages and distributes bottled soft drinks, water, tea and other beverages, as well as snacks

James P. Gorman Chairman and CEO 1935

$35.2 billion

$34.3 billion

Provides various products and financial services to corporations, governments, financial institutions and individuals

Jean-Francois van Boxmeer Chairman of the executive board and CEO 1864

$22.6 billion

$20.9 billion

Alcoholic beverage manufacturer

John McAvoy Chairman, president and CEO 1936

$12.6 billion

$12.9 billion

Provides energy services, including electric and natural gas energy and fiber-optic telecommunications

Leo P. Denault Chairman of the board and CEO 1913

$11.5 billion

$12.5 billion

Energy company specializing in electric power production

MasterCard Worldwide

Ajay Banga President and CEO 1966

$9.7 billion

$9.5 billion

Global payments company

Avon Products Inc.

Sherilyn McCoy CEO 1886

$7.7 billion

$8.6 billion

Manufactures and markets beauty, fashion and home-décor products

Regeneron Pharmaceuticals Inc.

Leonard S. Schleifer Founder, president and CEO 1988

$4.1 billion

$2.7 billion

Drug manufacturer

FUJIFILM Holdings America Corp.

Shigetaka Komori Chairman and CEO 1934

$3.5 billion

Photography and imaging company

ITT Corp.

Denise L. Ramos CEO and president 1967

$2.5 billion

$2.7 billion

Manufactures highly engineered, customized solutions for the energy, transportation and industrial markets

Atlas Air Worldwide Holdings Inc.

William J. Flynn President and CEO 1992

$1.8 billion

Outsourced aviation services

Universal American Corp.

Richard A. Barasch Chairman and CEO 1981

$1.5 billion

$1.6 billion

Markets life insurance, fixed-benefit accident, sickness policies and annuities

MBIA Inc.

Joseph W. Brown CEO and director 1996

$853 million

$1.3 billion

Provides insurance for municipal bonds and stable corporate bonds

Acorda Therapeutics Inc.

Ron Cohen President and CEO 1995

$492 million

$401 million

Biotechnology

(Headquartered in New York City) 500 Summit Lake Drive, Valhalla 10595 800-837-4966 verizon.com

1 New Orchard Road, Armonk 10504 499-1900 • ibm.com

700 Anderson Hill Road, Purchase 10577 253-2000 • pepsico.com

Morgan Stanley & Co.

4 5 6

(Headquartered in New York City) 2000 Westchester Ave., Purchase 10577 225-5510 • morganstanley.com

Heineken

360 Hamilton Ave., No. 1103, White Plains 10601 681-4100 • theheinekencompany.com

Consolidated Edison Inc.

(Headquartered in New York City) 78 Theodore Fremd Ave., Rye 10580 800-752-6633 • coned.com

Entergy Corp.

7 8 9

(Headquartered in New Orleans, La.) Broadway, Buchanan 10511 736-8000 • entergy.com 2000 Purchase St., Purchase 10577 249-2000 • mastercard.com (Headquartered in New York City) 601 Midland Ave., Rye 10580 935-2000 • avon.com

777 Old Saw Mill River Road, Tarrytown 10591 847-7000 • regeneron.com

200 Summit Lake Drive, Valhalla 10595 732-857-3280 • fujifilmusa.com

1133 Westchester Ave., White Plains 10604 641-2000 • itt.com

2000 Westchester Ave., Purchase 10577 701-8000 • atlasair.com

44 S. Broadway, Suite 1200, White Plains 10601 934-5200 • universalamerican.com

1 Manhattanville Road, Suite 301, Purchase 10577 273-4545 • mbia.com

420 Saw Mill River Road, Ardsley 10502 347-4300 • acorda.com

Type of business s

This list is a sampling of the largest public companies with headquarters or major office locations in the region. If you would like to include your company in our next list, please contact Danielle Renda at drenda@westfairinc.com. Note:

Information collected from public proxy statements and financial reports. Companies included are headquartered in the region or have corporate offices located in the region.

NOVEMBER 14, 2016

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BY CHAD PAVEL

Three technologies that will improve your bottom line in 2017

f you look at the most successful companies in your industry, you are likely to find a common theme that empowers their staff, creates massive efficiencies and helps the executives extract meaningful information to make better business decisions. This investment gives these companies a competitive edge and has made them resilient to economic, natural and human disasters. It generates time savings, more efficiencies and reduced risks across billions of dollars of infrastructure and financial transactions and decades of economic and political ebbs and flows. That investment is technology. Recent research from the Massachusetts Institute of Technology (MIT) finds that investments companies make in information technology increase profitability more than investments in advertising or R&D do. That’s right. You will make more money for each dollar you invest in your business technology than you will in advertising and product development. In an effort to help you unlock more

time and profits and reduce risk in your business, here are three technologies available to small and medium-sized businesses (SMBs) that will give you an edge over your competitors in 2017 and help you lead a more profitable and enjoyable enterprise. Cloud Computing: Simply put, you use the “cloud” when you access software applications over the internet rather than from your own computer network. By renting space in the cloud from providers like Microsoft Office 365 and G Suite (Google Apps), you pay a flat monthly rate with zero maintenance rather than purchasing and maintaining your own servers in your office. Additionally, these software providers give you more powerful computers and many added features over the standard business software you host yourself. In the cloud, many business email accounts start at $5 per user per month plus free file storage as a bonus. You can reduce your costs from thousands per year in annual maintenance to hundreds by renting computing power from the world’s largest and safest provid-

MAKE THIS YEAR’S HOLIDAY PARTY

ers. The end result: Less maintenance and enhanced capabilities. Customer Relationship Management Software (CRM): Do you currently track your sales forecasts and customer details in a spreadsheet or home-grown database? Great start! You may be able to extract even more valuable insights from your data with a CRM. CRM systems help you automate your marketing functions and track sales deals more efficiently while holding your staff accountable to gather the right customer information. While the top CRM providers include Salesforce.com and InfusionSoft, there are many industryspecific options for your niche. By ditching your spreadsheets and manual follow-ups, you can automate your social media posts, track monthly newsletters, manage your pipeline and add sales forecasting to help you make more money in less time. Saving time and making more money? That’s a big win. The end result: More revenue and faster sales cycles. Business Continuity: Network downtime is the number-one cause of financial loss due to technology failure. When your server crashes or a virus takes out your entire network, it’s not just the cost of repairs that hurts but the time you spend unable to collect sales and serve customers while you scramble to fix your computers. With the

threats of ransomware, digital hackers and human errors causing billions in financial losses to U.S. businesses each year, SMBs are particularly vulnerable and require more robust protection. No longer is a simple data backup solution and antivirus from Best Buy enough; you need a solution that keeps your business network running in the event of any natural, human or technology disaster that is built specifically for businesses. Look for a business continuity solution and technical support provider that protect you from ransomware, give you around-the-clock technical support and give you predictable service on a small business budget throughout the year. The end result: Resilient assets and empowered employees. In summary, your future investment in your technology platform will unlock loads of value within your organization. By empowering your staff with reliable technologies you make them happier and more efficient. By protecting your assets you add more value to your bottom line and build a more resilient business. And by enjoying success in business you can spend more time with your loved ones and your hobbies. Chad Pavel is a partner at The Solution Department, a technolo�y consulting firm in Trumbull, Connecticut, serving small businesses. He can be reached at 203-913-1073 or by email at chad@tsdnetworks.com.

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Call us or inquire online today about packages and date availability. www.FandFpizza.com (914) 630-4360 301 Mamaroneck Ave | Mamaroneck, NY 10543

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NOVEMBER 14, 2016

FINALISTS

DiVERSiTY I N

B U S I N E S S

THE INAUGURAL REGIONAL COMPETITION AND AWARDS PROGRAM

Ntim Abrokwa, We Are Alumnus • Reynold Alabre, H&R BLOCK • Fannie Aleman, Genesis Companies • Katie Banzhaf, STAR, INC., LIGHTING THE WAY • Tyneadrian Bledsoe, Behavioral Solutions NY Inc. and Elite Success Community • Izora Ebron, The Open Door Shelter • Delia Farquharson, Executive Medical Solutions • Lindsay Farrell, The Open Door Family Medical Centers • Jorge Garcia, A Plus Technology and Security Solutions • Danielle Gesualdi, Skanska USA Building • Joan Grangenois-Thomas, JGT Public Relations • Jessica Grossarth, Pullman & Comley, LLC • LaQuita Harris, The WorkPlace Inc. , Platform to Employment & The Retail Career Academy • Wiley Harrison, CPA, The Business of Your Business • Jacqueline Hattar, Wilson Elser • Michelle Hopson, Hopson Consultancy, LLC • Sabrina Hosang, Caribbean Food Delights • Marcia MacNeill, New York Life Insurance Company • Allison Madison, Madison Approach Staffing • Nora Madonick, Arch Street Communications, Inc. (ASC) • Dr. Jackqueline Mclean-Markes, McLeanSmiles • Nelson Merchan, CT Small Business Development Center • Merry Mourouzis, Hiscox Inc. • Agathe Ngo Likoba, Likoba LLC • Dr. Marie O’Connor, NORDIC Cryotherapy • Christopher Oldi, Legal Services of the Hudson Valley • Nickay Piper, Market Grub Media, DigiCampus • Sharon Rowe, Eco-Bags Products, Inc. • Jennifer Ruoff, Irvington Diversity Foundation • Mecca Santana, Westchester Medical Center Health Network • Mona Siu- Kan Lau, Manhattanville School of Business • Jacqueline Vazquez, Lifetime Events by Jacqueline • Chanel Ward, Fairfield University • Jonelle Ward, Alzheimer’s Association • Brandalyn Williams, WillYUM Spice • Evena Williams, Stamford Health • Desiree Wolfe, Webster Bank • Larry Woodard, Graham Stanley Advertising • Joshua Worby, Westchester Philharmonic • Glenn Wu, Tompkins Mahopac Bank

Many cultures, one business community. If your company advocates and practices diversity — become a partner in getting that message out.

From late December through January, readers will then have an opportunity to select 5 of the finalists to be awarded in the categories of Standard-Bearer, Most Socially Conscious, Most Promising Millennial, Outstanding Entrepreneur and Visionary. Finalists will be profiled in a special section to be published Dec. 19 • These will be awarded at an event in April.

westfaironline.com/celebratingdiversity To find out more about sponsorships, please call 914-694-3600.

NOVEMBER 14, 2016

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WESTCHESTER & FAIRFIELD COUNTY

BUSINESS JOURNALS

SPECIAL REPORT

BANKING & FINANCE

Smaller banks face cybersecurity challenges BY PHIL HALL phall@westfairinc.com

ast month, three regulatory agencies — the Federal Reserve, the Federal Deposit Insurance Corp. and the Office of the Comptroller of the Currency — unveiled the draft of an endeavor that would determine how the federal government would monitor the cybersecurity threat posed against large domestic and foreign banks operating in the U.S. with $50 billion or more in assets. “Due to the increasing interconnectedness of the U.S. financial system, a cyber incident or IT failure at one entity may impact the safety and soundness of other financial entities and introduce potentially systemic consequences,” the draft plan stated. While the focus on the larger banks is understandable, it nonetheless failed to consider the other end of the banking spectrum: the nation’s smaller financial institutions, including community banks — which comprise nearly 97 percent of all U.S. banks — as well as credit unions and independent financial services providers. While most news reports on cybersecurity focus on various data breaches and online attacks at larger institutions, that does not mean that smaller financial institutions are operating under the radar of the cyber criminals. “There are more headlines when large banks get hacked,” said David Dineen, executive vice president and head of community banking at New Canaan-based Bankwell. “Smaller banks still have the same challenges as the larger banks do,” said Daniel Conroy, chief information security officer at Stamford-based Synchrony Financial. “But not with the same resources.” Conroy added that the complexity of cybersecurity threats against financial institutions of all sizes has grown substantially in recent years and threatens to become even more enormous. “We can use a sports analogy to describe this,” he said. “In 2007, cybersecurity was like the Super Bowl with one team against each other. Today, it is the equivalent of one team playing against everyone in the stadium. By 2020, it will be like one team

playing everyone in the city.” Yet John Yoon, director of the Center for Academic Excellence in Information Assurance and Cyber Defense at Mercy College in Dobbs Ferry, warned that the corporate leadership of these smaller financial institutions are not ready for this type of game. “I think it is because security is not prioritized by executives of small banks and credit unions,” he said. “A data breach or identity theft could happen at any time. But if you have larger manpower monitoring the patterns of attack and strong banking software, then 90 percent of intrusions can be deflected.” But that could be easier said than done. Conroy noted that the desired manpower is not an easily obtained commodity in today’s job market. “Even if the small banks wanted to hire IT talent, there is negative unemployment in this space,” he said. And prices for cybersecurity software solutions have spiked over the past few years. “Up until a few years ago, we would provide firewalls for small to midsize businesses for less than $10,000,” said Dale

Bruckhart, vice president of marketing at Digital BackOffice in Milford. “Now it is more than double that.” Despite the obstacles, smaller financial institutions are not overlooking cybersecurity concerns. “Despite having a smaller footprint than the larger organizations, smaller banks must implement adequate and effective controls to protect customers and the bank from any intrusions,” said Lynndel Bartulis, senior vice president and chief information officer at Newtown Savings Bank in Connecticut. “We take the subject of cybersecurity risk management very seriously and approach it from the technical, management and educational perspectives to ensure the bank, our customers and their accounts are safe from cybersecurity threats or vulnerabilities. Whenever we implement new or manage existing processes, cybersecurity risk is always one of our key concerns. We adhere to guidelines offered by our regulators, industry specialists and cybersecurity experts.” For Bankwell’s Dineen, a secret weapon in fighting against cyber threats is main-

taining a proactive relationship with customers and keeping them informed of the potential for danger. “We constantly interact with customers,” he said. “If we see anything out there, we try to stay ahead of it. On a regular basis, we put out security tips and best practices.” Bankwell also enforces a policy of behavioral analytics that monitors customer behavior to determine if a certain transaction could be a red flag. “Anything that looks like it is not ordinary creates an alert that is pushed out to customer,” Dineen said, adding that his bank is “constantly working” with regulators — including the Federal Reserve and FDIC and industry associations such as the National Automated Clearing House Association, an electronics payment trade group — to stay ahead of cyber concerns. Synchrony Financial’s Conroy noted that smaller financial institutions would benefit from membership in the Financial Services Information Sharing and Analysis Center, a resource that provides updated information on cyber and physical threat intelligence from all parts of the world. “It’s a global problem. It’s what I call crime as a service,” he said, adding that Synchrony Financial recently partnered with the University of Connecticut’s School of Engineering to create a center designed to promote cybersecurity research and develop information security talent. On the subject of talent, many smaller financial institutions have to rely on third-party vendors for their cybersecurity needs. But that solution could also create new problems. “There was a breach at Target about two years ago that was traced to the subcontracting vendor for the HVAC system in the stores,” said Digital BackOffice’s Bruckhart. “I would recommend having all third parties audited.” Mercy College’s Yoon recommended a modularized approach for smaller financial institutions building a cybersecurity defense that mixes external and internal input. “All cryptography and encryption should ideally be developed inside the company by hiring employees,” he said. “Of course, one should also consider the possibility of insider hacking—and if that occurs, it could be a big problem.”

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NOVEMBER 14, 2016

IN THE FAMILY

Grandson follows his 87-year-old mentor in finance

It’s Simple. Trust Matters. We’ve built our business on earning our customers’ trust. Now we’re honored to be recognized by Forbes as one of “America’s 50 Most Trustworthy Financial Companies”. Innovative thinking that drives success with personalized solutions and local expertise – all built on trust. It’s what our customers expect and it’s what we deliver every day.

LakelandBank.com

NOVEMBER 14, 2016

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■

866-224-1379

◀ Adam Belardino stands next to a MetLife advertisement from The New York Times in 1992 featuring his grandfather, Gerard Turtora.

BY ALEESIA FORNI aforni@westfairinc.com

he world of finance has certainly changed since the days Gerard Turtora would walk door to door as a salesman, collecting quarters for insurance premiums in the 1950s. But after more than six decades in the industry and just days before his 87th birthday, Turtora still talks about his career and his clients with a mix of fondness and optimism. “I still feel like you never arrive, you just keep trying to grow,” Turtora said. “Thankfully, I still have my head screwed on at least, and that’s lucky.” A Pelham resident, Turtora began his career in the industry at MetLife, a decision that was influenced by his father, who started with the company in the 1930s. Beginning his career in management, Turtora later worked in the sales department until 1994. But at the age of 64 with retirement looming, Turtora was not yet ready to walk away from the business. To continue with the company, he started a senior partnership with MetLife that allowed him to continue his work even after retirement. In 2007, he joined Shelton-based Barnum Financial Group, then a company in the MetLife Premier Client Group, and remains one of the top performers among

Barnum’s 300 financial advisers. During the course of his 65-year career with MetLife, Turtora won numerous honors from the company, including a Lifetime Achievement award. In all those years, Turtora said he never received a single written complaint from a client, something he credits to his focus on customer service and integrity. “When you’re dealing with clients, you always want to exceed their expectations,” he said. “I always felt that if I could exceed the client’s expectations, then everything else will take care of itself- and it has.” Those lessons are ones he hopes to pass on to his grandson, Adam Belardino, who has followed in Turtora’s footsteps. After starting with MetLife as an intern at the age of 18, Belardino worked his way up the ranks of the company and now works alongside his grandfather as a financial planner at their offices in Elmsford. “He has a saying that he taught me: give a man a fish, he eats for a day. Teach a man to fish, he eats for a lifetime. I think that kind of sums up my career thus far,” Belardino said. While Belardino, a Scarsdale resident, benefited from his grandfather’s experience and connections, Turtora is quick to add that his grandson’s success was far from a hand-out. » METLIFE LEGACY, page 20

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Attracting talent with employee benefits “Here in Westchester and nationwide, demand for skilled workers is surpassing even the need for traditional capital. Investing in employees is fast becoming an essential growth strategy for companies both locally and globally.” Michael Cappelli, Market Executive Bank of America Merrill Lynch

“Offering robust benefits tailored to your employees’ needs and preferences can help you build a stronger workforce — and gain a lasting competitive edge.” Cathie Schaffer, Senior Relationship Manager Bank of America Merrill Lynch

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Adding a multi-generational perspective has become a priority for most companies. Hiring millennials — people born after 1980 — can help you adapt to changing customers, technologies and other disruptive innovation. At the same time, adding experienced workers can inject valuable experience, knowledge and decision-making skills into your business.

Workers of all ages now expect basic benefits, such as health insurance and retirement. But several newer, non-traditional benefits are also gaining momentum. Understanding which benefits your workers value — and tailoring your package accordingly — can help increase your appeal to employees.

Health Savings Accounts (HSAs) are quickly becoming popular. Companies can consolidate HSAs with other plans to gain efficiencies, and employees can save for both short- and long-term medical costs. Education is essential to helping your workforce use this powerful tool to prepare for retirement and healthcare at the same time.

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For more local insights, email us at cathie.a.schaffer@baml.com or michael.cappelli@baml.com.

Sources: CFO Outlook, Bank of America Merrill Lynch; 2016 Workplace Benefits Report, Bank of America Merrill Lynch General disclaimer for Bank of America Merrill Lynch, visit baml.com/disclaimer. ©2016 Bank of America Corporation. AR8WDNW3

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NOVEMBER 14, 2016

BY ANTHONY DOMINO JR.

We’re getting older – now what?

he fountain of youth — long sought after for centuries. Its draw is legendary, enticing men like Ponce deLeon to embark on voyages to unknown regions in search of it. Seemingly, it has been found not via armadas on the open seas or by cutting through jungles, but by men and women working in lab coats and researching the innermost workings of our earthly vessels.

The proof is in the numbers. The actuarial community publishes tables to predict how many people of a given age will die in a given year. Dubbed Commissioner Standard Ordinary tables (CSO), they are accepted as gospel among this somber group of professionals and are updated when the community agrees that the change in longevity is significant. Over the past 70 years, life expectancy rates have been rising and next year will see another jump. Below is a

summary of life expectancy over the last 70 years:

CSO Table 1941 1958 1980 2001 2017

Male Life Expectancy 62.3 68.3 70.8 76.6 79.7

Female Life Expectancy 62.3 71.2 75.8 80.8 82.9

James Giangrande Managing Director, Altium Wealth Management

True Local Means Growing With Your Business. Business Banking built on shared principles. “We are in the business of growth. And PCSB Bank has done a great job helping us mange the growth we have seen over the last five years. And they have provided the service and products that help sustain that growth so we can help our clients, employees and communities live better. Our choice to work with PCSB Bank comes down to one word - Relationship. We are a company driven by our principles, whether it's nurturing relationships, operating with transparency or helping our clients pursue excellence … and we've come to believe that PCSB Bank shares these ideals and are concerned with the quality of life in the communities where we live and work.”

Serving Putnam, Dutchess, Westchester and Rockland Counties Since 1871.

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A few observations In general, people are on average living 30 percent longer than they did at the start of World War II. Men are closing the gap. Over the past 20 years, men have extended their longevity by 12.5 percent, whereas the average woman lives just over 9 percent longer. A normal retirement age of 65 — or 67, depending on when you were born — may be unsustainable for the population at large. A 65-year-old retiree in 2017 will need to have three times the assets their father did when retiring in 1980. On average, Greatest Generation dad lives for five years after retirement at 65, while Baby Boomer son lives for 15 years until 80. The slope of the longevity curve is trending sharply upward. These life expectancy tables represent a statistical average — half the female population will live to age 83, for example. So what does this all mean in the world of benefits? In a word, everything. Two key product innnovations have resulted from this trend — long-term care insurance and longevity guarantees. Long-term care insurance First offered in the late 1970s, long-term care or LTC pertains typically to medical support coverages that are generally not available or only available on a limited basis under private medical insurance or Medicare. Benefits provided include home health care, private-duty nursing in or out of a care facility, live-in caregiver and housekeeping assistance. Claims are based upon the inability to independently perform as little as two of the basic activities of daily living such as dressing, bathing, feeding yourself, toileting, continence, transferring in and out of a bed or chair and walking. Roughly 70 percent of individuals over 65 will require at least some type of long-term care services during their lifetime. About 60 percent of those over 75 will spend some period of time in a nursing home. Since 2010, many carriers have either severely limited policy benefits, dramatically increased premiums or even pulled out of the long-term care market. Factors have included both the increased costs of private nursing facilities — in excess of $450 a day in the New York area — and the aforementioned issue of longevity. Policies once provided lifetime coverage but now are typically capped at six years of benefit payment. The current approach is to attach an LTC rider onto a life insurance policy. Often expressed as a percentage of the death benefit — these riders provide a pool of cash available to pay the cost of care. They

» » Continued from previous page

also follow a similar claims process based upon the inability to perform basic daily living activities. Be advised that they rarely can be added to existing policies, so age and insurability become factors to consider. Longevity guarantees After attending to one’s health care needs, the second financial concern resulting from longer life expectancy is not outliving your assets. Several seismic shifts have made this an even greater concern than it ever was for our parents. Among them is the virtual end of defined benefit pensions, enhanced volatility within the financial markets, growing investor confusion and uncertainty resulting from information delivered through the fire hose known as the internet. Sprinkle in persistent low interest rates and one’s financial concern ratchets higher. A variety of unique investment products have risen to meet these needs and hopefully allay those fears. One of the more creative is a type of rider that is added to an annuity. (An annuity essentially represents a guaranteed stream of payments that will be paid from a pool of money for a specified period of time). Guaranteed minimum benefit (GMB) riders are commonly attached to many annuities sold today. GMB riders provide an investor with a minimum level of annuity payment while the annuity is in the accumulation phase and a base amount of lifetime income in the distribution phase, regardless of how the investment has performed. These guarantees are paid for by the assessment of a fee — .75 to 1.25 percent — against the performance of the underlying investment itself. In order to receive the guarantee, the investor must annuitize their payment — that is, take over the remainder of their life. This may not be true of all products and may void the riders. Note that annuity payments, death benefits and optional benefits are guaranteed solely by the issuing insurance company. Unlike traditional “period certain” annuities, these more modern contracts offer refund of premium or enhanced death benefits should one buck the longevity trend and pass away on the wrong end of the actuarial curve. As a result, they often become an important financial planning tool. Much like the traditional defined benefit pension, one is provided a base amount of lifetime income upon which the remainder of retirement assets can be invested. One wonders how the trend of extended life expectancy will continue to play out. Will the arc continue trending upward and if so, what product innovations remain to be seen? Anthony Domino Jr. is managing principal of Associated Benefit Consultants LLC, an employee benefit and personal planning firm in Rye Brook. He can be reached at adomino@associatedbenefit.com or 914-288-8882.

Cynthia Rubino, President/CEO, The YMCA of Central and Northern Westchester; Ale Frederico, Relationship Manager, TD Bank; Stephen Moroney, Regional Vice President, TD Bank

“TD Bank has done great things for us.” Cynthia Rubino, President and CEO of the YMCA of Central and Northern Westchester When the Westchester YMCA needed a new bank, President and CEO Cynthia Rubino connected with Ale Frederico and her team at TD Bank. Cynthia was glad to find a banking partner who cares as much about the community as she does. We’re here for Westchester businesses. And we’re here for you. Visit one of our convenient locations in Westchester to see what we can do for your business.

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MetLife Legacy — » From page 16

“What he’s done, he’s done on his own,” Turtora said. “He’s a natural.” Belardino said that at the beginning of his career, his grandfather’s approach was one of “tough love,” something he can appreciate now looking back. “That was a tough dynamic as a family. Maybe it wasn’t always easy on me. Maybe I was like, ‘Why is he so hard on me?’ Now I get it,” he said of the beginning of his career. “Now I think that we’ve really got it figured out. We can run a business and be grandson and grandfather. I totally get why he pressured me. ” Today, the duo work closely together, speaking on the phone four to five times a day if either is travelling away from the office, and continually praise each other’s hard work and dedication. “I’m more enthused about the business today than I was 20 years ago and this young man helps me do this,” Turtora said. “He’s the gold standard in this industry, period, so I’m a pretty lucky guy,” Belardino

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said. “Going to a conference with him at MetLife was like going with Jay-Z. There’s literally a group of people following him, it’s unbelievable,” he said of his grandfather. An essential part of Turtora’s success has been adapting to and embracing change. “I’m pretty progressive and pretty proactive. I realize you have to go forward,” he said. “You can’t say ‘Oh, it was great in the old days.’ That doesn’t exist anymore.” One of the greatest changes for Turtora happened earlier this year, when the MetLife Premier Client Group, which includes Barnum Financial Group, was acquired by Massachusetts Mutual Life Insurance Co., effectively ending Turtora’s time with MetLife. For Turtora, the prospect of ending his working life with a company other than MetLife was something he could not have foreseen, but he’s taking the change in stride. “You have to realize that what happens, happens. There are things you don’t have control over and you have to develop a way to live with it,” he said. While his peers have all moved on from the workforce, with many retiring decades ago, Turtora has no intention of hanging up his hat for good. “He tells me, ‘You’re just going to have to wheel me out of here,’” Belardino said with a laugh.

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New state funding for community land banks BY BILL HELTZEL bheltzel@westfairinc.com

Newburgh Community Land Bank has received $4.4 million in state funds over the past three years, according to a report from state Attorney General Eric Schneiderman, and has fixed 36 dilapidated properties. Now New York has secured another $20 million to support Newburgh and 17 other land banks across the state. The new funding comes from legal settlements with Goldman Sachs and Morgan Stanley over misconduct that contributed to the housing crisis. The number of vacant properties in New York increased by 27 percent, from 2000 to 2010, Schneiderman said in a press release. The state Legislature established the land bank program, and in 2013 the attorney general funded the nonprofit organizations from settlements with financial institutions over claims stemming from the 2008 financial crisis. The state has provided $33 million for buying blighted homes. The land banks have reclaimed 1,995 properties, of which 409 were demolished and 701 were put

back on the market. Demolishing or fixing blighted properties have saved an estimated $19 million in property value for surrounding homes, based on a Michigan State University study. For instance, houses within 150 feet of a vacant property can lose about $7,000 in value. The report says that stabilizing blighted neighborhoods can cut government costs, reduce crime and fires, put properties to productive use and generate tax revenue. In Newburgh, for example, the land bank’s preservation program focused on removing lead and asbestos and fixing structural problems in historic downtown buildings. One such building was then transferred to an architect who renovated and created affordable apartments for three families. Most of the land banks are in rural towns in upstate and western New York. The Newburgh land bank is the only one in the Lower Hudson Valley. The program started with 10 land banks and has since added eight. They can get a share of the new funds through a formal competitive process.

FACTS & FIGURES BANKRUPTCIES MANHATTAN Best Deal Auto Mall Corp. 3058 Boston Road, Bronx 10469. Chapter 7, voluntary. Represented by Julio E. Portilla. Filed: Nov. 6. Case no. 1613098-scc. Taylor Ave. Management Inc. 5308 13th Ave., Suite 248, Brooklyn 11219. Chapter 11, voluntary. Represented by Eric H. Horn. Filed: Nov. 6. Case no. 1613097-shl.

COURT CASES Advantage Assets II Inc. et al. Filed by CTJ Investments LP, 89.19 percent undivided interest, et al. Action: foreclosure. Attorney: Alan H. Weinreb. Filed: Nov. 3. Case no. 7:16-cv-08538KMK. Buﬀalo Wild Wings Inc. Filed by Alexa Borenkoff. Action: diversitydeceptive trade practices. Attorney: Michael Louis Braunstein. Filed: Nov. 2. Case no. 7:16-cv-08532-VB. Cenlar FSB. Filed by Michael Weir, Elaine Weir, Jennifer Stasul and Jose Francisco. Action: civil miscellaneous case. Attorney: Rick S. Cowle. Filed: Nov. 7. Case no. 7:16-cv-08650. Commissioner of Social Security. Filed by Edward Christopher Vaiciunas. Action: review of HHS decision (DIWW). Attorney: Daniel Berger. Filed: Nov. 7. Case no. 7:16-cv-08586CS. Estate Motors Inc. Filed by John Galanin. Action: federal question. Attorney: Lynn Ellen Judell. Filed: Nov. 8. Case no. 7:16-cv-08674. Joe Vin Enterprises LLC. Filed by Juan Rivera Lopez and Jaime Lopez Ramirez. Action: Fair Labor Standards Act. Attorney: Amanda Christine Bransford. Filed: Nov. 7. Case no. 7:16cv-08652.

Items appearing in the Westchester 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. Questions and comments regarding this section should be directed to: Bob Rozycki c/o Westfair Communications Inc. 3 Westchester Park Drive, Suite G7 White Plains, N.Y. 10604-3407 Phone: 694-3600 • Fax: 694-3680

Landscape Unlimited Inc. Filed by the trustees of the Operating Engineers Local 137, 137A, 137B, 137C and 13R Annuity, Pension, Welfare and Apprenticeship Skill Improvement and Safety Funds of Funds of the International Union of Operating Engineers. Action: E.R.I.S.A. Attorney: Giacchino James Russo. Filed: Nov. 8. Case no. 7:16-cv-08660. Paiken & Herrick Corp. Filed by Lakeland Bank. Action: diversityforeclosure. Attorney: Michael Robert O’Donnell. Filed: Nov. 3. Case no. 7:16-cv-08560-KMK. The Quaker Oats Co. Filed by Annette Martinez. Action: diversitydeceptive trade practices. Attorney: Douglas Brian Lipsky. Filed: Nov. 7. Case no. 7:16-cv-08607-NSR. Ulster Savings Bank. Filed by Fair Housing Justice Center Inc. Action: Fair Housing Act. Attorney: Mariann Meier Wang. Filed: Nov. 7. Case no. 7:16-cv-08608-KMK. Wal-Mart Stores East LLP. Filed by Katherine Wilson. Action: diversity – notice of removal. Attorney: Patricia O’Connor. Filed: Nov. 7. Case no. 7:16cv-08637. Walmart Stores Inc. Filed by Michael Wolfe. Action: diversity– notice of removal. Attorney: Gregg D. Minkin. Filed: Nov. 2. Case no. 7:16-cv-06536NSR.

DEEDS Above $1 million 1410 Route 35 LLC, Brookfield, Conn. Seller: South Salem Owners LLC, New York City. Property: 1410 Route 35, Lewisboro. Amount: $3.8 million. Filed Nov. 4. 465 Bedford Road LLC, Pleasantville. Seller: Ronnie Crecco, Yonkers. Property: 465 Bedford Road, Mount Pleasant. Amount: $1.6 million. Filed Nov. 2. Adorno Milena Group LLC, Mount Vernon. Seller: Escudo Corp., Mount Vernon. Property: 29 Elm Ave., Mount Vernon. Amount: $1.3 million. Filed Nov. 4. DP 74 LLC, Mount Kisco. Seller: Mount Vernon Trap Rock Corp., Eastchester. Property: 3775 Crompond Road, Yorktown. Amount: $2 million. Filed Nov. 1. Laurel Ridge Development Inc., South Salem. Seller: Smith Ridge Housing LLC, Larchmont. Property: Boulder Ridge, Lewisboro. Amount: $3.7 million. Filed Nov. 1.

ON THE RECORD

M. Montenegro Enterprises Inc., Elmsford. Seller: 86 East Main Street Corp., Elmsford. Property: 86 E. Main St., Greenburgh. Amount: $1 million. Filed Nov. 2.

ESJ Realty LLC, Mamaroneck. Seller: Dai Da Realty Corp., Mamaroneck. Property: 349-55 Mamaroneck Ave., Mamaroneck. Amount: $700,000. Filed Nov. 4.

Shi-III Briarcliﬀ Reit LLC, Chicago, Ill. Seller: Briarcliff Manor Investors LLC, Washington, D.C. Property: 150 Lodge Road, Ossining. Amount: $7.1 million. Filed Nov. 4.

Golddev Inc., Fresh Meadows. Seller: Bijal Mahesh Jani, Pearl River. Property: 8 Hill St., Ossining. Amount: $211,500. Filed Nov. 2.

Town of Mamaroneck. Seller: David Potts Jr. Post No. 1156 Veterans of Foreign Wars of the United States Inc., Larchmont. Property: 1288 Boston Post Road, Mamaroneck. Amount: $2.1 million. Filed Nov. 1. WB Debt Holdings LLC, Danbury, Conn. Seller: Rogan RR LLC, Bedford Hills. Property: 225 Railroad Ave., Bedford. Amount: $2.4 million. Filed Nov. 1.

Below $1 million 115 Pearl LLC, Port Chester. Seller: Tina Guerra, et al, Mount Kisco. Property: 115 Pearl St., Rye. Amount: $470,000. Filed Nov. 2. 24 South Fourth Avenue R.E. Corp., Mount Vernon. Seller: UFone Inc., Melville. Property: 24 S. Fourth Ave., Mount Vernon. Amount: $250,000. Filed Nov. 4. 304 Sommerville Corp., Glendale. Seller: Fannie Mae. Property: 304 Somerville Place, Yonkers. Amount: $210,000. Filed Nov. 4.

Hilltop Commercial LLC, New Rochelle. Seller: Bertha Diaz, White Plains. Property: 92 Prospect Ave., Greenburgh. Amount: $220,000. Filed Nov. 1. Housing Action Council Inc., Tarrytown. Seller: Fannie Mae. Property: 3408 Deerhaunt St., Yorktown. Amount: $396,580. Filed Nov. 2. Javen II LLC, Yonkers. Seller: Barbara Sansolo, et al, Ardsley. Property: 48 Gavin St., Yonkers. Amount: $300,000. Filed Nov. 2. KS MV LLC, Mount Vernon. Seller: Jinsuk Inc., Mount Vernon. Property: 75 S. Fourth Ave., Mount Vernon. Amount: $386,000. Filed Nov. 4. L.F.E. LLC, Hopewell Junction. Seller: Two Black Cats LLC, New Rochelle. Property: 493 Fifth Ave., New Rochelle. Amount: $200,000. Filed Nov. 4. MLC Expansions LLC, et al, Yorktown Heights. Seller: Maria Tamaoka, Ridgefield, Conn. Property: 2006 Albany Post Road, Cortlandt. Amount: $255,000. Filed Nov. 4.

70 Grace Church LLC, Stamford, Conn. Seller: Town of Rye, Port Chester. Property: 70 Grace Church St., Rye. Amount: $230,000. Filed Nov. 3.

P.C.S.B. Realty Ltd., Yorktown Heights. Seller: Barbara Lerman, Larchmont. Property: 24 Rosemary Court, Somers. Amount: $800,000. Filed Nov. 2.

80 Orchard Street LLC, Yonkers. Seller: James J. Veneruso, Yonkers. Property: 74 Orchard St., Yonkers. Amount: $150,000. Filed Nov. 3.

Pleasant Properties LLC, Bronx. Seller: Retained Realty Inc., New York City. Property: 9 Berkley Court, Ossining. Amount: $436,740. Filed Nov. 3.

Alpha Realty Solutions LLC, New Rochelle. Seller: Elizabeth Miller, Granite Springs. Property: 13 Raemont Road, Somers. Amount: $420,000. Filed Nov. 4.

PTG Development LLC, Hastingson-Hudson. Seller: Hudson View Partners LLC, Hastings-on-Hudson. Property: Warburton Avenue, Greenburgh. Amount: $665,000. Filed Nov. 3.

Better Property Holdings LLC, Rye Brook. Seller: Catherine Guigliano, et al, Port Chester. Property: 50 Edgar Place, Rye. Amount: $210,000. Filed Oct. 31.

Riverton Realty LLC, Roosevelt, N.J. Seller: Carlos Rodriguez, Yonkers. Property: 77 Yonkers Ave., Yonkers. Amount: $100,000. Filed Nov. 2.

County of Westchester, White Plains. Seller: Housing Action Council Inc., White Plains. Property: 3408 Deerhaunt St., Yorktown. Amount: $395,000. Filed Nov. 2. Deutsche Bank National Trust Co. Seller: Christopher L. Mangold, White Plains. Property: 16 Oakland Ave., Mount Vernon. Amount: $796,844. Filed Nov. 4.

Riverton Realty LLC, Roosevelt, N.J. Seller: Carlos Rodriguez, Yonkers. Property: 69 Yonkers Ave., Yonkers. Amount: $100,000. Filed Nov. 2. Society Hill II at Westchester Condominium, Peekskill. Seller: Ted A. Novick, White Plains. Property: 9 Huntington Circle, Peekskill. Amount: $143,481. Filed Oct. 31. The Bank of New York Mellon. Seller: Joan C. Salwen, Scarsdale. Property: 40 Young Ave., Cortlandt. Amount: $482,260. Filed Nov. 2.

U.S. Bank Trust N.A. Seller: Anthony Maccarini, Carmel. Property: 501 Woodland Hills Road, Greenburgh. Amount: $229,120. Filed Nov. 1. U.S. Bank Trust N.A. Seller: Peter Rosato, Yonkers. Property: 135 Fulton Ave., Mount Vernon. Amount: $849,684. Filed Nov. 2. Wells Fargo Bank N.A. Seller: Kara M. Gerry, Beacon. Property: 124 Pleasant Ave., Mount Pleasant. Amount: $668,196. Filed Nov. 2.

FORECLOSURES AMAWALK, 44 Green Lawn Road. Single-family residence; lot size: 1.96 acre. Plaintiff: Aurora Loan Services LLC. Plaintiff ’s attorney: RAS Boriskin, 516-280-7675; 900 Merchants Concourse, Westbury 11590. Defendant: Cheryl Duboff. Referee: Richard Glickel. Sale: Nov. 15, 10 a.m. Approximate lien: N/A. CORTLANDT MANOR, 1 Robbie Road. Single-family residence; lot size: .37 acre. Plaintiff: Deutsche Bank National Trust Co. Plaintiff ’s attorney: Leopold & Associates. PLLC, 914-2195787; 80 Business Park Drive, Armonk 10504. Defendant: Daniel Murtha. Referee: John Sarcone III. Sale: Nov. 29, 10 a.m. Approximate lien: $702,555.16. CORTLANDT MANOR, 50 School St. Single-family residence; lot size: N/A. Plaintiff: Green Tree Servicing LLC. Plaintiff ’s attorney: Rosicki & Rosicki & Associates, 845-897-1600; 2 Summit Court, No. 301, Fishkill 11254. Defendant: Charles Stockinger. Referee: Albert Cornachio. Sale: Nov. 16, 9:30 a.m. Approximate lien: $545,413.47. MAMARONECK, 404 Maple Ave. Single-family residence; lot size: .11 acre. Plaintiff: The Bank of New York Mellon. Plaintiff: Rosicki & Rosicki & Associates, 845-897-1600; 2 Summit Court, No. 301, Fishkill 11254. Defendant: Anthony DeCioccio. Referee: Robin Dale Carten. Sale: Nov. 30, 9:30 a.m. Approximate lien: $340,673.62.

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MOUNT VERNON, 26 W. Fifth St. Two-family residence; lot size: .11 acre. Plaintiff: HSBC Bank USA National Association. Plaintiff ’s attorney: Clarfield Okon Salomone & Pincus, 561-7131400; 425 RXR Plaza, Uniondale 11556. Defendant: Montclair Mullings. Referee: Anthony Pieragostini. Sale: Dec. 2, 11 a.m. Approximate lien: $397,821.29. MOUNT VERNON, 32-34 S. Sixth Ave. Manufacturing and processing; lot size: .12 acre. Plaintiff: Putnam County Savings Bank. Plaintiff ’s attorney: Daniels Porco & Lusardi LLP, 845350-2837; 102 Gleneida Ave., Carmel 10512. Defendant: 32-34 South Sixth Ave. Realty Corp. Referee: Jeffrey Binder. Sale: Nov. 18, 10 a.m. Approximate lien: N/A.

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WESTCHESTER LAW FIRM AGAIN HIGHLY RATED BY U.S. NEWS U.S. News & World Report has published its rankings for Best Lawyers “Best Law Firms” in the U.S., and has given a Tier 1 rating for elder law to Enea, Scanlan & Sirignano LLP, a firm with offices in White Plains and Somers. Tier 1 is the highest rating and is based on scoring collected from clients and other lawyers. This is the seventh year that the firm has been highly ranked by U.S. News which looked at 186 metropolitan areas, and ranked more than 12,000 law firms. Clients were asked to provide feedback on items such as expertise, responsiveness, understanding of a business, cost-effectiveness, and civility. Lawyers pro-

vided opinions on responsiveness, integrity, cost-effectiveness, whether they would refer a matter to a firm, and whether they consider a firm a worthy competitor. “We feel privileged to be ranked as superior among the nation’s leading firms and will continue to honor that ranking as we move into another year,” said managing partner Anthony J. Enea. The practice concentrates on elder law; Medicaid planning; nursing home and home care applications; wills, trusts and estates; guardianships; estate litigation; supplemental needs trusts; and special needs planning.

CLIENTS AND SUPPORTERS THANKED The success of individuals with disabilities who have been placed in jobs throughout Westchester and Putnam counties was celebrated Oct. 20 in an event held at the Crowne Plaza in White Plains. The organization CAREERS for People with Disabilities has been providing job placement services for 29 years. PepsiCo Enable, Curry Automotive and CAREERS Board President Marianne Brown of Mount Kisco spearheaded the event. Awards of Appreciation were given to CAREERS corporate and foundation supporters, including Hitachi Metals America Community Action Committee, Peoples United Community Foundation, The Gannett Foundation and the Walmart Foundation. Contributing

SAN MIGUEL ACADEMY HONORS DONORS

From left, Tom Grace, Rye; Henry Garcia, Newburgh; Kirsten Carillo, Somers; Father Mark Connell, president, San Miguel Academy of Newburgh; and Joanne Welty, White Plains.)

Tom Grace of Rye, Kirsten Carillo of Somers and Joanne Welty of White Plains were recently honored at a fundraising dinner with Impact Awards from San Miguel Academy of Newburgh. The event took place at the Westchester Country Club in Rye. San Miguel Academy is an independent faith-based middle school for boys from under-served families in Newburgh. It serves at-risk students in the 5th through 8th grades. About 30 percent of the students are African-

FUNDRAISER FOR VETERANS

event sponsors were also honored, including CAREERS’ Board Secretary Karen Brown of Cortlandt Manor, The Treco Family, The Kitson Law Firm, Universal American and ShopRite Supermarkets. “Our anniversary celebration is a great time to thank all our corporate and foundation supporters,” CAREERS Executive Director Tina Cornish-Lauria said. “Their ongoing support helps us to change the lives of our clients by providing the help they need to find and keep a job in their community.” Other award winners included S & H Uniforms in White Plains, Employer of the Year; Courtney Darts of Pro Bono Partnership, Outstanding Professional Advocate; and Rita Duncan, store manager of Goodwill Industries in Yonkers, Supervisor of the Year Award. Veterans who have undergone rehabilitation for physical and psychological wounds and their families will benefit from the sixth annual “Train The Trainer” fundraiser taking place at Pure Physique in Yorktown on Nov. 19 from 1 to 4 p.m. During the event, members of the Pure Physique fitness studio will have the chance to make the personal trainers at Pure Physique perform the rigorous exercises normally reserved for clients. Naturally, there’s a price to pay for the pleasure of seeing the trainers perform. The funds will be donated to Hope For The Warriors, a national nonprofit organization that assists post-9/11 service members who received physical and psychological wounds,

NOVEMBER 14, 2016

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American, with about 70 percent Latino. The school is entirely funded by private donations. The dinner raised about $400,000 for the school. Fr. Mark Connell is the president of San Miguel Academy of Newburgh. A featured speaker at the event was Henry Garcia, who was in the graduating class of 2011 and is now in college. He told the audience that he exemplifies the school’s mission, which includes providing boys with the tools necessary for success in their academic, social and moral lives.

and their families. The event is open to the public, raises funds through donations to the cause, purchase of raffle tickets, and participation in the silent auction of locally donated items. Over the past five years, about $16,000 has been raised and used to purchase kayaks, bicycles, treadmills and supporting equipment for use by veterans in postrehabilitation exercise. Michael Lipowski, the founder and owner of Pure Physique, characterized the fundraiser as “…very entertaining as our members get the opportunity to play the role of personal trainer and do to us what we’re usually doing to them.”

ANDERSON CENTER FOR AUTISM CEO RETIRES

Neil Pollack

The Anderson Center for Autism in Staatsburg will be honoring its retiring CEO, Neil Pollack, at its gala on Dec. 3 from 6 to 10 p.m. at The Grandview, which overlooks the Hudson River in Poughkeepsie. Pollack has served as

CEO and executive director of the Anderson Center since January 2001. Among his accomplishments, Pollack oversaw development and implementation of a multiphase master plan for the center’s 150-acre campus. The Anderson Center for Autism was founded in 1924 as the Anderson School by Dr. Victor V. Anderson. Beginning with one student, Anderson demonstrated that children with special needs could benefit from a comprehensive program, which addressed their educational, emotional and social requirements. The center currently serves more than 200 students and adults with a primary diagnosis of autism. The Neil J. Pollack Scholarship fund is being established to assist Anderson staff members in furthering their education. Frank Synan, chair of the center’s Board of Trustees said, “Neil has been an exceptional leader, he has fulfilled his vision for Anderson and we are the fortunate beneficiaries, as are the individuals that we serve and their families. Neil has built a firm foundation for his successor, Patrick Paul, to build upon.”

BERDICHEVSKY JOINS WESTMED Dr. Lillian Berdichevsky, of Pelham, a board-certified OB/GYN, who also is a licensed acupuncturist and has an interest in alternative medicine, has joined WESTMED Medical Group’s locations at 1022 N. Broadway and 656 Yonkers Ave. in Yonkers. She previously had been with the Montefiore Medical Center and Staten Island University Hospital. Berdichevsky, who is ﬂuent in both English and Russian, offers a full range of services in obstetrics and gynecology, including ulltrasound, laparoscopy, hysteroscopy, office-based procedures and family planning.

Dr. Lillian Berdichevsky

KOVACS PROMOTED BY HOULIHAN LAWRENCE Janet Kovacs of Irvington has been named by Houlihan Lawrence as manager of its residential real estate offices in Irvington and Ardsley. She has been an agent with the Irvington office of Houlihan Lawrence for almost four years. Kovacs will oversee the 49 agents currently at the Irvington and Ardsley offices. Kovacs said, “As a lifelong resident of Irvington, I am delighted by the opportunity to help lead the Houlihan Lawrence team serving the place I call home. I look forward to promoting a high standard of service to Houlihan Lawrence clients in achieving all of their real estate goals.” The Houlihan Lawrence Irvington and Ardsley offices also serve Dobbs Ferry, Hastings-on-Hudson, Sleepy Hollow, Tarrytown and Hartsdale.

‘FACES OF BURKE’ IN WHITE PLAINS

Janet Kovacs

SCHMIDT NAMED DIRECTOR OF NEUROSURGERY A photography exhibit showcasing the faces and personal stories of patients who have bounced back from debilitating illness will be open to the public from Nov. 16 – Dec. 30 from 9 a.m. to 5 p.m. at the Burke Rehabilitation Hospital, 785 Mamaroneck Ave., White Plains. Burke is the only hospital in Westchester County dedicated solely to adult rehabilitation medicine. “Faces of Burke” features the work of photographer Jesse Rinka, a portrait and event photographer whose studio is in Tarrytown. The photographs illustrate experiences of patients at Burke as they recovered from physical and cognitive problems resulting

from stroke, brain injury, pulmonary disease and other causes. “We help thousands of patients each year regain both cognitive abilities and physical strength through our acute inpatient and outpatient programs. ‘Faces of Burke’ will bring the stories of just a few of these remarkable patients to the forefront,” said Richard Sgaglio, Burke’s senior administrator. After closing at Burke, the exhibit is expected to move to the Ridge Hill Shopping Center in Yonkers, then other locations in Westchester. Additional information at www.burke.org/facesofburke.

THE CPW ANNUAL PIONEER DINNER

Dr. Meic H. Schmidt

The Cerebral Palsy of Westchester organization in Rye Brook recently held its 67th annual Pioneer Dinner at The Surf Club in New Rochelle at which it honored Helen Hyatt and the New York State Building Oﬃcials Conference – Westchester Chapter (NYSBOC). Hyatt was awarded the Martie Osterer Award given

Dr. Meic H. Schmidt of Rye Brook has been named director of neurosurgery at the Westchester Medical Center, Maria Fareri Children’s Hospital and MidHudson Regional Hospital, all part of WMCHealth, which is headquartered in Valhalla and operates 10 hospitals in eight locations in the Hudson Valley.

each year to a Pioneer Club member who has made strides to live life to the fullest. Presented annually to an individual or a group of individuals who have given of their time and energy to help others, the Friendship Award was extended to NYSBOC for its generous support of CPW over the past four years.

In addition, he was appointed as professor and chair of the department of neurosurgery at New York Medical College. As director of neurosurgery for the WMCHealth campuses in Valhalla and Poughkeepsie, Schmidt will oversee all neurosurgical services, including all brain and spinal surgical services. Schmidt said his “first, second and third” priorities are his patients’ quality of care. His background includes management of injuries and tumors in the brain, spine and spinal cord, as well as treating degenerative spine diseases. Surgical procedures performed by Schmidt include minimally invasive and endoscopic spinal surgery for tumors, trauma and degenerative spine disease; microsurgery for tumors and vascular malformations of the spine; cranial surgery for brain tumors and brain and spine trauma; radiosurgery for brain and spine tumors; and image-guided brain and spine surgery. Schmidt has published more than 170 peer-reviewed manuscripts focusing on neurosurgery, oncology, trauma and spine surgery. His research has attracted over $1.7 million of funding, including funding from the NIH (National Institutes of Health).

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NOVEMBER 14, 2016

FACTS MOUNT VERNON, 121 N. Ninth Ave. Two-family residence; lot size: .06 acre. Plaintiff: Pennymac Holdings LLC. Plaintiff ’s attorney: Frenkel, Lambert, Weis, Weisman & Gordon, 631-969-3100; 53 Gibson St., Bay Shore 11706. Defendant: Sunnee Indranak. Referee: Massimo DiFabio. Sale: Nov. 28, 10 a.m. Approximate lien: $436,191.75. MOUNT VERNON, 141 W. Fourth St. Two-family residence; lot size: .07 acre. Plaintiff: The Bank of New York Mellon. Plaintiff ’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester 14624. Defendant: Lurline Kelley. Referee: Michele Bermel. Sale: Nov. 14, 9:15 a.m. Approximate lien: $787,603.61. MOUNT VERNON, 150 S. Sixth Ave. Two-family residence; lot size: .12 acre. Plaintiff: Nationstar Mortgage LLC. Plaintiff ’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester 14624. Defendant: Joseph Davis. Referee: Alfred Weiner. Sale: Nov. 14, 11:15 a.m. Approximate lien: $712,380.32. OSSINING, 5 Samstag Ave. Singlefamily residence; lot size: .29 acre. Plaintiff: HSBC Bank USA National Association. Plaintiff ’s attorney: Rosicki & Rosicki & Associates, 845-897-1600; 2 Summit Court, No. 301, Fishkill 11254. Defendant: William Hyland. Referee: Tyrone Brown. Sale: Nov. 14, 9:30 a.m. Approximate lien: $730,953.27. OSSINING, 65 N. Malcolm St. Single-family residence; lot size: .12 acre. Plaintiff: Deutsche Bank National Trust Co. Plaintiff ’s attorney: Leopold & Associates. PLLC, 914-219-5787; 80 Business Park Drive, Armonk 10504. Defendant: Alex Arrevillaga. Referee: Bruce Trent. Sale: Nov. 29, 9 a.m. Approximate lien: $870,245.06. OSSINING, 755 Kitchawan Road. Single-family residence; lot size: N/A. Plaintiff: U.S. Bank National Association. Plaintiff ’s attorney: Frenkel, Lambert, Weiss, Weisman & Gordon, 631-969-3100; 53 Gibson St., Bay Shore 11706. Defendant: Alina Rosenthal. Referee: Jo-Ann Cambareri. Sale: Nov. 21, 9 a.m. Approximate lien: $650,934.94.

SOMERS, 12 Butler Hill Road. Single-family residence; lot size: .8 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff ’s attorney: Rosicki & Rosicki & Associates, 845-8971600; 2 Summit Court, No. 301, Fishkill 11254. Defendant: David Bruce. Referee: Robert Ryan. Sale: Nov. 30, 10:30 a.m. Approximate lien: $292,951.81.

YONKERS, 111 Hoover Road. Single-family residence; lot size: .09 acre. Plaintiff: HSBC Bank USA National Association. Plaintiff ’s attorney: Clarfield Okon Salomone & Pincus, 516-7131400; 425 RXR Plaza, Uniondale 11556. Defendant: Kim Traub. Referee: Theodore Brundage. Sale: Nov. 23, 9:30 a.m. Approximate lien: $492,232.03.

SOMERS, 159 Heritage Hills, Apt. B. Condominium; lot size: N/A. Plaintiff: Federal National Mortgage Association. Plaintiff ’s attorney: Rosicki & Rosicki & Associates, 845-897-1600; 2 Summit Court, No. 301, Fishkill 11254. Defendant: Licia Mikulicic. Referee: Carl Finger. Sale: Nov. 23, 2 p.m. Approximate lien: $332,303.50.

YONKERS, 224 Woodworth Ave. Walkup apartment; lot size: .14 acre. Plaintiff: Bank of America National Association. Plaintiff ’s attorney: Davidson, Fink, Cook, Kelly & Galbraith, 585546-6448 or 585-760-8218; 28 E. Main St., Suite 1700, Rochester 14614. Defendant: Norman Davis. Referee: Brian Joseph Farrell. Sale: Nov. 14, 10:30 a.m. Approximate lien: $276,033.10.

WHITE PLAINS, 15 Burling Ave. Single-family residence; lot size: N/A. Plaintiff: New York Community Bank. Plaintiff ’s attorney: Stagg Terenzi Confusione & Wabnik LLP, 516-812-4500; 401 Franklin Ave., Garden City 11530. Defendant: Steven Lanera. Referee: Joanne Cambareri. Sale: Nov. 14, 9 a.m. Approximate lien: N/A. WHITE PLAINS, 70 Merrit Ave. Single-family residence; lot size: .29 acre. Plaintiff: U.S. Bank National Association. Plaintiff ’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester 14624. Defendant: Faith Cottrell Peterson. Referee: Kenneth Bunting. Sale: Nov. 14, 10:30 a.m. Approximate lien: $810,679.13. WHITE PLAINS, 433 Westchester Ave. Single-family residence; lot size: N/A. Plaintiff ’s attorney: Cohn & Roth, 516-747-3030; 100 E. Old Country Road, Mineola 11501. Defendant: Frank Annunziato. Referee: Alan Singer. Sale: Nov. 15, 10 a.m. Approximate lien: $462,027.25. YONKERS, 11 Jones Place. Threefamily residence; lot size: .05 acre. Plaintiff: JPMorgan Chase Bank National Association. Plaintiff ’s attorney: Rosicki & Rosicki & Associates, 845-897-1600; 2 Summit Court, No. 301, Fishkill 11254. Defendant: Jean Stroach. Referee: Ronald Vincent Zezima. Sale: Nov. 30, 11 a.m. Approximate lien: $93,083.32.

PEEKSKILL, 656 Ridge St. Singlefamily residence; lot size: N/A. Plaintiff: Bayview Loan Servicing LLC. Plaintiff ’s attorney: Frenkel, Lambert, Weiss, Weisman & Gordon, 631-9693100; 53 Gibson St., Bay Shore 11706. Defendant: Anthony Cardillo. Referee: Danile Pagano. Sale: Nov. 15, 9 a.m. Approximate lien: $254,346.13.

YONKERS, 25 Byrd Place. Singlefamily residence; lot size: .11 acre. Plaintiff: Wilmington Savings Fund Society. Plaintiff ’s attorney: Knuckles, Komosinski & Elliot, 914-345-3020; 565 Taxter Road, Suite 509, Elmsford 10523. Defendant: Mevljuda Kolasinac. Referee: Theodore Brundage. Sale: Nov. 14, 9:30 a.m. Approximate lien: $446,320.15.

PEEKSKILL, 1701 Crompond Road. Condominium; lot size: N/A. Plaintiff: Wilmington Savings Fund Society. Plaintiff ’s attorney: Rosicki & Rosicki & Associates, 845-897-1600; 2 Summit Court, No. 301, Fishkill 11254. Defendant: John Yurkin. Referee: Richard Fontana. Sale: Nov. 15, 9:30 a.m. Approximate lien: $281,425.85.

YONKERS, 66 Bushing Ave. Singlefamily residence; lot size: .11 acre. Plaintiff: Deutsche Bank National Trust Co. Plaintiff ’s attorney: Rosicki & Rosicki & Associates, 845-897-1600; 2 Summit Court, No. 301, Fishkill 11254. Defendant: Leroy Brown. Referee: Jeffrey Binder. Sale: Nov. 17, 2 p.m. Approximate lien: $766,256.21.

NOVEMBER 14, 2016

WCBJ

YORKTOWN HEIGHTS, 1710 Baldwin Road. Single-family residence; lot size: .96 acre. Plaintiff: Federal National Mortgage Association. Plaintiff ’s attorney: Rosicki & Rosicki & Associates, 845-897-1600; 2 Summit Court, No. 301, Fishkill 11254. Defendant: Ellen Keane. Referee: Michele Bermel. Sale: Nov. 30, 9 a.m. Approximate lien: $346,826.12.

JUDGMENTS By the Book Construction Inc., Stormville. $7,614 in favor of Frameless Shower Doors and Moore Inc., Yorktown Heights. Filed Nov. 3.

LIS PENDENS The following filings indicated a legal action has been initiated, the outcome of which may affect the title to the property listed. 189 East Post Road Corp., et al. Filed by LCP White Plains LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 189 E. Post Road, White Plains. Filed July 7. Barasch, Mark, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $725,000 affecting property located at 39 Major Lockwood Lane, Pound Ridge 10576. Filed July 7. Bolden, Michael L., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 1331 Fairhills Drive, Ossining 10562. Filed July 6. Chapa, Julio Humberto, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $205,000 affecting property located at 25 Forest Ave., Ossining 10562. Filed July 6. Colbourne, Colin, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $335,139 affecting property located at 40 S. 11th Ave., Mount Vernon 10550. Filed July 8.

FIGURES Diaz, Antonio, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $416,000 affecting property located at 9 Mackellar Court, Peekskill 10566. Filed July 7. Florestal, Marcel, et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure $786,177 affecting property located at 525 Scarborough Road, Briarcliff Manor. Filed July 8. Guy, Debbie-Ann, et al. Filed by The Money Source Inc. Action: seeks to foreclose on a mortgage to secure $270,146 affecting property located at 1004 Garfield Ave., Peekskill 10566. Filed July 6. Jensen, Lori, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $435,000 affecting property located at 97 Furnace Dock Road, Croton-onHudson 10520. Filed July 8. Judah, David, et al. Filed by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $528,000 affecting property located at 117 E. Broad St., Mount Vernon 10552. Filed July 8. Kupferstein, Baruch, et al. Filed by Metlife Home Loans. Action: seeks to foreclose on a mortgage to secure $344,000 affecting property located at 118 Maple St., Yonkers. Filed July 7. Lavado, Claudia, et al. Filed by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $398,000 affecting property located at 5 Saratoga Road, White Plains 10607. Filed July 8. Lopez, Nelly, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $576,000 affecting property located at 122 Oak St., Port Chester 10573. Filed July 9. Mastroianni, Fred III, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 10 City Place, Unit 28A, White Plains 10601. Filed July 9. Morrison, Sara, et al. Filed by Deutsche Bank Trust Company Americas. Action: seeks to foreclose on a mortgage to secure $512,000 affecting property located at 23 Clinton Ave., New Rochelle 10801. Filed July 10. Riley, Phyllis, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $300,000 affecting property located at 556 E. Lincoln Ave., Mount Vernon 10552. Filed July 10. Rodgers, Ray R., et al. Filed by Planet Home Lending LLC. Action: seeks to foreclose on a mortgage to secure $276,279 affecting property located at 325 S. Sixth Ave., Mount Vernon 10550. Filed July 10.

Ruckman, Robert M., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $650,000 affecting property located at 8 Hilltop Road, Bronxville 10708. Filed July 9. Saleh, Wael, et al. Filed by OneWest Bank FSB. Action: seeks to foreclose on a mortgage to secure $356,000 affecting property located at 66 Sky Top Drive, Mount Pleasant 10570. Filed July 6. Sanchez, Sandra, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $276,250 affecting property located at 543 Main St., No 303, New Rochelle 10801. Filed July 7. Simon, Paul L., et al. Filed by MASTR Asset Securitization Trust 2003-11 Mortgage Pass-through Certificates Series 2003-11. Action: seeks to foreclose on a mortgage to secure $435,000 affecting property located at 27 Chester Court, Cortlandt Manor 10567. Filed July 10. Sims, Grace H., individually and as surviving spouse of Nathaniel G. Sims, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $938,250 affecting property located at 39 Weavers Hill Road, Mount Kisco 10549. Filed July 8. Siri, Julio, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $388,000 affecting property located at 101 Glover Ave., Yonkers 10704. Filed July 9. The unknown heirs at law of the estate of Peter Karten, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $100,000 affecting property located at 1270 North Ave., Apt. 4, New Rochelle. Filed July 6. Theisz, Lydia, et al. Filed by OneWest Bank N.A. Action: seeks to foreclose on a mortgage to secure $544,185 affecting property located at 127 Randolph road, White Plains 10607. Filed July 6. Vazquez, Eduardo, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $290,000 affecting property located at 30 Lawn Ave., New Rochelle 10801. Filed July 7. Wendel, Andrew M., et al. Filed by Astoria Federal Savings and Loan Association. Action: seeks to foreclose on a mortgage to secure $171,484 affecting property located at 2 Wilton Circle, Rye Brook 10573. Filed July 7. Went, Jason A., et al. Filed by Planet Home Lending LLC. Action: seeks to foreclose on a mortgage to secure $349,714 affecting property located at 1 Catherine St., Cortlandt Manor 10567. Filed July 10.

Wilson, Janet, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $544,185 affecting property located at 42 Palace Place, Port Chester 10573. Filed July 9.

MECHANIC’S LIENS Accurso, Joseph, et al, as owner. $57,482 as claimed by Interstate and Lakeland Lumber Corp., Greenwich, Conn. Property: in Mount Pleasant. Filed Nov. 2. Huo, Jerry, as owner. $102,275 as claimed by Detail CC. Property: in Scarsdale. Filed Nov. 3. Rising Development YonkersMill, as owner. $68,615 as claimed by Electrotech Service Equipment Co. Property: in Yonkers. Filed Oct. 31.

NEW BUSINESSES This paper is not responsible for typographical errors contained in the original ﬁlings.

Partnerships The Hudson Edit, 197 Clinton Ave., Dobbs Ferry 10522, c/o Diana Bufalini and Sarah Schultz. Filed Feb. 1.

Sole Proprietorships Amble Escapes, 125 Pine St., Peekskill 10566, c/o Dian-Marie Dawes. Filed Feb. 2. Button Design, 17 Michaels Lane, Croton-on-Hudson 10520, c/o Madeline Angelini. Filed Feb. 2. Carlos Painting Carpentry Tiles, 21 Charles St., Peekskill 10566, c/o Carlos V. Alvarrocin Astudillo. Filed Feb. 1. Cultivated Garden and Landscape Design, 45 Cedar Road, Katonah 10536, c/o Robyn Hickey. Filed Feb. 2. Design’s by Lisa, 388 Tarrytown Road, White Plains 10607, c/o Lisa Cendali. Filed Feb. 2. Diamond Shine Home Cleaning, 241 Union Ave., Peekskill 10566, c/o Nelly Y. Solis. Filed Feb. 2. Fast Lane Mobbsta’s, 42 First Ave., No. 3, Pelham 10803, c/o Saxon Combs. Filed Feb. 1. Jelly Cleaning Services, 120 Lake St., White Plains 10604, c/o Jeanel Petion. Filed Feb. 1. Law Oﬃce of Jeannette Koster, 1767 Front St., Yorktown Heights 10598, c/o Jeannette Arlin Koster. Filed Feb. 1.

FACTS Navaja Entertainment, 63 Garfield St., Yonkers 10701, c/o Jose A. Martinez. Filed Feb. 1. Nikki A., 200 Rosedale Ave., White Plains 10605, c/o Nicole Aloia. Filed Feb. 1. Nobles and Sisters of the Smoke, 2 Woods End Circle, Peekskill 10566, c/o Troy Miller. Filed Feb. 3. P Sandolo Contracting, 15 Macaulay Road, Katonah 10536, c/o Paul Sandolo. Filed Feb. 2. RKDPL8, 133 Curtis Lane, Yonkers 10710, c/o Jamar Smith. Filed Feb. 2. Twin Trees Landscaping, 127 Washington Ave., New Rochelle 10801, c/o Jaime Valencia. Filed Feb. 1. Union DJs, 35 Lawrence St., No. 2, Yonkers 10705, c/o Shawn Carlisle. Filed Feb. 2. W Rivera Landscaping, 14 Greenwood Ave., Port Chester 10573, c/o Wilfredo Rivera. Filed Feb. 1. X-Pressions Hair Salon, 739 South St., Peekskill 10566, c/o Lourdes R. Patino. Filed Feb. 2.

PATENTS Collectively loading programs in a multiple program, multiple data environment. Patent no. 9,491,259 issued to Michael E. Aho, Rochester, Minn.; John E. Attinella, Rochester, Minn.; Thomas M. Gooding, Rochester, Minn.; and Samuel J. Miller, Rochester, Minn. Assigned to International Business Machines Corp., Armonk. Electronic mail-delivery negotiation and rejection. Patent no. 9,491,129 issued Ronald B. Baker, Wake Forest, N.C.; and Tara L. Sims, Austin, Texas. Assigned to International Business Machines Corp., Armonk. Implementing adaptive control for optimization of pulsed resonant drivers. Patent no. 9,490,775 issued to Eric J. Lukes, Stewartville, Minn.; Patrick L. Rosno, Rochester, Minn.; Timothy J. Schmerbeck, Mantorville, Minn.; and Dereje G. Yilma, Rochester, Minn. Assigned to International Business Machines Corp., Armonk. Implementing adaptive control for optimization of pulsed resonant drivers. Patent no. 9,490,775 issued to Eric J. Lukes, Stewartville, Minn.; Patrick L. Rosno, Rochester, Minn.; Timothy J. Schmerbeck, Mantorville, Minn.; and Dereje G. Yilma, Rochester, Minn. Assigned to International Business Machines Corp., Armonk.

Implementing enhanced bias conﬁguration for CMOS inverterbased optical trans-impedance ampliﬁer. Patent no. 9,490,757 issued to Matthew B. Frank, Rochester, Minn.; Jonathan E. Proesel, Yorktown Heights; and Raymond A. Richetta, Rochester, Minn. Assigned to International Business Machines Corp., Armonk. Injection-molded micro-optics. Patent no. 9,490,408 issued to Lawrence Jacobowitz, Wappingers Falls; Stephen Buchwalter, Hopewell Junction; Casimer DeCusatis, Poughkeepsie; Peter A. Gruber, Mohegan Lake; and Da-Yuan Shih, Poughkeepsie. Assigned to International Business Machines Corp., Armonk. LED light extraction enhancement enabled using self-assembled particles patterned surface. Patent no. 9,490,455 issued to Keith E. Fogel, Hopewell Junction; Kim Jeehwan, Los Angeles, Calif.; Ning Li, White Plains; Devendra K. Sadana, Pleasantville. Assigned to International Business Machines Corp., Armonk. Logical partition media access control imposter detector. Patent no. 9,491,194 issued to Susann M. Keohane, Austin, Texas; Gerald F. McBrearty, Austin, Texas; Shawn P. Mullen, Buda, Texas; Jessica C. Murillo, Round Rock, Texas; and Johnny M. Shieh, Austin, Texas. Assigned to International Business Machines Corp., Armonk. Maintenance of a fabric priority during synchronous copy operations. Patent no. 9,491,240 issued to Roger G. Hathorn, Tucson, Ariz.; Bret W. Holley, Tucson, Ariz.; and Harry M. Yudenfriend, Poughkeepsie, N.Y. Assigned to International Business Machines Corp., Armonk. Optimizing storage between mobile devices and cloud storage providers. Patent no. 9,491,313 issued to Charles S. Lingafelt, Durham, N.C.; James W. Murray, Durham, N.C.; James T. Swantek, Canton, Ga.; and James S. Worley, Raleigh, N.C. Assigned to International Business Machines Corp., Armonk.

HUDSON VALLEY BUILDING LOANS Below $1 million Applewood Acres Inc., Milton, as owner. Lender: Sawyer Savings Bank, Saugerties. Property: 4-6 Clark St., Newburgh 12550. Amount: $150,000. Filed Oct. 26.

Equity Homes of New York Inc., Port Jervis, as owner. Lender: Libertyville Capital Group II LLC, Montgomery. Property: 55 Ridgefield Drive, Chester. Amount: $300,000. Filed Oct. 24. Flynn, Raimond P., et al, New Paltz, as owner. Lender: Walden Savings Bank, Montgomery. Property: in Gardiner. Amount: $236,964. Filed Oct. 27. Lanwin Olympia Cornwall LLC, Cornwall-on-Hudson, as owner. Lender: Wallkill Valley Federal Savings and Loan Association, Wallkill. Property: 31 Briarwood Lane, Lot 35, New Windsor. Amount: $367,425. Filed Oct. 25. Siracusano, Larry, et al, Saugerties, as owner. Lender: The Bank of Greene County, Catskill. Property: in Saugerties. Amount: $200,000. Filed Oct. 21. Stepping Stone Home Solutions LLC, Middletown, as owner. Lender: Ulster Savings Bank, Kingston. Property: 64 State St., Otisville 10963. Amount: $92,000. Filed Oct. 26. Woodﬁeld LLC, as owner. Lender: Salisbury Bank and Trust Co. Property: in Hyde Park. Amount: $560,000. Filed Oct. 27.

DEEDS Above $1 million Church Communities Foundation, Rifton. Seller: Vision Atlanta Inc., Roswell, Ga. Property: in Esopus. Amount: $2.9 million. Filed Oct. 21.

Below $1 million 21st Mortgage Corp., Knoxville, Tenn. Seller: Eileen DeLeon, Poughkeepsie. Property: 5 Fallkill Place, Poughkeepsie 12601. Amount: $181,500. Filed Oct. 25. 24 Walnut Corp., Cornwall. Seller: Fannie Mae. Property: 11 Boulevard, Cornwall-on-Hudson 12518. Amount: $111,500. Filed Oct. 27. 24 Walnut Corp., Walden. Seller: Secretary of Housing and Urban Development. Property: 16 Jaeger Drive, Cornwall-on-Hudson. Amount: $65,000. Filed Oct. 27. 428 Orchard Hill LLC, Highland Mills. Seller: Isay Menaker, et al, Harriman. Property: 428 Orchard Hill Road, Harriman 10926. Amount: $550,000. Filed Oct. 31. 6 Jean Street Ellenville LLC, Ellenville. Seller: Joseph A. Wolfe, et al, Ellenville. Property: 6 Jean St., Ellenville 12428. Amount: $159,000. Filed Oct. 26.

FIGURES Aeithamattathil Realty LLC, West Nyack. Seller: Bell Station Corp., Chester. Property: Lake Station Road, Chester 10918. Amount: $75,000. Filed Oct. 25.

Federal National Mortgage Association. Seller: Henry N. Christensen Jr., Goshen. Property: 37 Weathervane Drive, Apt. 23, Washingtonville 10992. Amount: $111,501. Filed Oct. 26.

KTM and M Associates LLC, Warwick. Seller: Nigel Roberts, Metuchen, N.J. Property: 36 Points of View, Warwick 10990. Amount: $45,000. Filed Oct. 27.

Al Twal LLC, Poughkeepsie. Seller: Carol A. Mucci, Walden. Property: 313 Nina St., New Windsor 12553. Amount: $115,000. Filed Oct. 28.

Federal National Mortgage Association. Seller: John Joseph Fallon, Walden. Property: 4 Seacord Lane, Washingtonville 10992. Amount: $157,000. Filed Oct. 27.

Lake Ellis Properties LLC, Dover Plains. Seller: Gerard Coyac, et al, Dover Plains. Property: in Dover. Amount: $265,000. Filed Oct. 25.

Al Twal LLC, Poughkeepsie. Seller: Theoni Stamos-Salotto, Hopewell Junction. Property: 6 Crescent Drive, Beacon 12508. Amount: $168,000. Filed Oct. 27. Bayview Loan Servicing LLC, Coral Gables, Fla. Seller: Michael E. Cappillino. Property: 110 Putt Lane, Kingston 12401. Amount: $399,980. Filed Oct. 26. Christiana Trust. Seller: Juliana LoBiondo, Newburgh. Property: 1787 Mountain Road, Otisville 10963. Amount: $567,863. Filed Oct. 28. City of New York. Seller: Stephen J. Fontana, et al, East Atlantic Beach. Property: in Shandaken. Amount: $98,131. Filed Oct. 24. Denali Realty Ventures LLC, Middletown. Seller: Alfonso Greco, et al, Middletown. Property: in Middletown. Amount: $470,000. Filed Oct. 26. Deutsche Bank National Trust Co. Seller: Adele Reising. Property: 595 Springtown Road, New Paltz 12561. Amount: $87,500. Filed Oct. 27.

Federal National Mortgage Association. Seller: Mary Jules Goldsworthy, Neversink. Property: 326 Whitfield Road, Accord 12404. Amount: $164,604. Filed Oct. 26. Federal National Mortgage Association. Seller: Michael E. Catania, Newburgh. Property: 21 Benkard Ave., Newburgh 12550. Amount: $119,257. Filed Oct. 27. Federal National Mortgage Association. Seller: Michael Kluger, Haverstraw. Property: 83 Mountain Ave., Highland Falls 10928. Amount: $129,418. Filed Oct. 31. Federal National Mortgage Association. Seller: Michael Mills, Goshen. Property: 7 Lyman St., Port Jervis 12771. Amount: $332,646. Filed Oct. 27. Federal National Mortgage Association. Seller: Robert A. Vignini, Newburgh. Property: 20 Nott Place, Newburgh 12550. Amount: $167,895. Filed Oct. 26.

Lanwin Olympia Cornwall LLC, Cornwall-on-Hudson. Seller: KB Oreo LLC, Cleveland, Ohio. Property: in Cornwall-on-Hudson. Amount: $185,000. Filed Oct. 27. Melella Properties LLC, Carmel. Seller: F and G Pools and Stoves Inc., Newburgh. Property: in Newburgh. Amount: $620,000. Filed Oct. 27. Mid-Hudson Development Corp., Fishkill. Seller: RJA Holdings Inc., Wappingers Falls. Property: in Wappinger. Amount: $240,500. Filed Oct. 27. MLM Property Management LLC, Cold Spring. Seller: RJA Holding Inc., Wappingers Falls. Property: in Wappinger. Amount: $125,000. Filed Oct. 27. Monsty Digs LLC, Kingston. Seller: Fours Company LLC, Wappingers Falls. Property: in Kingston. Amount: $250,000. Filed Oct. 21. Nationstar Mortgage LLC. Seller: Darlene Bird, Pine Bush. Property: 9 Sabella Place, Marlboro 12542. Amount: $208,317. Filed Oct. 25.

Deutsche Bank National Trust Co. Seller: Glen Plotsky, Port Jervis. Property: 14 Seely Road, Chester 10918. Amount: $688,577. Filed Oct. 31.

Federal National Mortgage Association. Seller: Robert E. Dinardo, Newburgh. Property: 74 Old Dutch Hollow Road, Greenwood Lake 10925. Amount: $324,361. Filed Oct. 31.

Deutsche Bank National Trust Co. Seller: Patrick Gartland, Poughkeepsie. Property: 45 Greentree Drive South, Hyde Park 12538. Amount: $277,000. Filed Oct. 25.

Hod Properties LLC, Pawling. Seller: Hudson Valley Properties LLC, Poughkeepsie. Property: in Hyde Park. Amount: $325,000. Filed Oct. 27.

NRZ REO V-2 Corp. Seller: Alan Joseph, Goshen. Property: 1249 Route 32, Highland Mills 10930 and 19 Marantha Drive, Mountainville 10953. Amount: $159,000. Filed Oct. 25.

ELM Capital RP Grey Gardens LLC, Rhinebeck. Seller: Dean Michael, Salt Point. Property: 246 Clinton Corners Road, Clinton Corners 12514. Amount: $325,000. Filed Oct. 26.

Hod Shbehod LLC, Monroe. Seller: Sarah Ramos, Goshen. Property: 55 Polar Lane, Middletown 10941. Amount: $34,550. Filed Oct. 26.

Ocwen Loan Servicing LLC, West Palm Beach, Fla. Seller: Sherri Lynn Hulsizer, et al, Verbank. Property: 30 On The Green, Verbank 12585. Amount: $90,000. Filed Oct. 25.

Federal Home Loan Mortgage Corp. Seller: Jorge Castro, et al, Ellenville. Property: 6 Maple Court, Ellenville 12428. Amount: $238,068. Filed Oct. 21. Federal National Mortgage Association. Seller: Alan L. Joseph, Goshen. Property: 5 Grandview Ave., Port Jervis 12771. Amount: $256,810. Filed Oct. 28. Federal National Mortgage Association. Seller: Donald G. Nichol, Walden. Property: 25 Seybolt Ave., Otisville 10963. Amount: $273,102. Filed Oct. 31.

HSBC Bank USA N.A. Seller: Ralph Louis Puglielle, New Windsor. Property: 58 Blueberry Hill, Warwick 10925. Amount: $347,490. Filed Oct. 31.

New Windsor Landscape LLC, Goshen. Seller: Deutsche Bank National Trust Co. Property: 545 Newport Bridge Road, Pine Island 10969. Amount: $99,574. Filed Oct. 28.

PMT NPL Financing 2005-1, Moorpark, Calif. Seller: Peter Botti, Goshen. Property: 37 Kain Road, Bellvale 10912. Amount: $676,038. Filed Oct. 26.

HSBC Bank USA N.A. Seller: Rita Soto, Rock Hill. Property: 525 Rakov Road, Maybrook 12543. Amount: $77,000. Filed Oct. 26.

Step-Up Properties LLC, Vails Gate. Seller: City of Newburgh. Property: 57-58 Williamsburg Drive, Newburgh. Amount: $35,000. Filed Oct. 28.

Hudson Valley Federal Credit Union, Poughkeepsie. Seller: Bonnie Larocca Crane, Poughkeepsie. Property: in Poughkeepsie. Amount: $159,000. Filed Oct. 27.

Stockade Ventures LLC, Kingston. Seller: John G. Skibicki, et al, Kingston. Property: in Kingston. Amount: $210,000. Filed Oct. 27.

Jomo 940 LLC, Olivebridge. Seller: Joseph Bermo, et al, Kerhonkson. Property: in Rochester. Amount: $135,000. Filed Oct. 25.

U.S. Bank Trust N.A. Seller: Bruce Townsend, Walden. Property: 14 Spanktown Road, Warwick 10990. Amount: $539,602. Filed Oct. 26.

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NOVEMBER 14, 2016

FACTS U.S. Bank Trust N.A. Seller: Kouame Goly, et al, Campbell Hall. Property: 215 N. Miller St., Newburgh 12550. Amount: $287,529. Filed Oct. 26. U.S. Bank Trust N.A. Seller: Martin E. Vanhorn, et al, Newburgh. Property: 60 Boxbaum Road, Huguenot 12746. Amount: $171,884. Filed Oct. 27. U.S. Bank Trust N.A. Seller: Stephen A. Odynsky, et al, New Windsor. Property: 45 S. Kaisertown Road, Montgomery 12549. Amount: $138,469. Filed Oct. 27. Van Alstyne Real Estate One LLC, Chestnut Ridge. Seller: Valley Services Inc., Newburgh. Property: in Wallkill. Amount: $118,000. Filed Oct. 31. Wells Fargo Bank N.A. Seller: Barry R. Fertel, New Rochelle. Property: 73 Courtney Ave., Newburgh 12550. Amount: $359,868. Filed Oct. 25. Wells Fargo Bank N.A. Seller: Donald D. Brown Jr., Poughkeepsie. Property: 6 Willow Drive, Hopewell 12533. Amount: $379,000. Filed Oct. 25. Wells Fargo Bank N.A. Seller: Mark D. Stern, Goshen. Property: 136 Minisink Turnpike, Westtown 10998. Amount: $469,452. Filed Oct. 27. Wells Fargo Bank N.A. Seller: Ralph A. Beisner, Hyde Park. Property: in Beacon. Amount: $226,000. Filed Oct. 26. Williamson New York Properties LLC, Fishkill. Seller: Paul J. Maurici, Poughkeepsie. Property: 21 Lewis Ave., Poughkeepsie 12603. Amount: $120,000. Filed Oct. 25.

JUDGMENTS 28 Country Deli Inc., Kingston. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. Acousmatic Mask Ltd., Bearsville. $1,053 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. Alpine Hardwood Corp., Middletown. $24,244 in favor of Manpowergroup US Inc., Chicago, Ill. Filed Oct. 28. Anthony’s Auto Sales, Saugerties. $174 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 21. Ashley Homes Construction Company LLC, Saugerties. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

NOVEMBER 14, 2016

FIGURES

Ay Ch Inc, High Falls. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Grand Street Medical Associates, Kingston. $2,793 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Keller Transportation Systems Inc., Hurley. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Caribbean Taste, Kingston. $152 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 27.

Hawk’s Community Auto Sales Inc., Middletown. $1,062 in favor of the New York State Department of Taxation and Finance, Albany. Filed March 8.

KGCI Inc., Saugerties. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Highland Glass and Metal Inc., Highland. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Liberty Security Services LLC, Kingston. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Highland Treasure Chest, Highland. $212 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 27.

Mel Dea Inc., Kingston. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Casey’s Fine Food and Drink Inc., Marlboro. $118 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 27. Cibo Noche LLC, Marlboro. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. CNC Associates Inc., Wallkill. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. Conger Simons LLC, New Paltz. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. DJ’s Contracting and Creative Surfaces Inc., Glasco. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. Doc Orders Inc., Esopus. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. DWL Design Inc., Kerhonkson. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. Floratron Corp., New Paltz. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. Gary’s Truck and Auto Repair, Modena. $830 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. GivePizzaChance LLC, Willow. $1,862 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Hudson Valley Paintless Dent Removal Inc., Milton. $303 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 27. HWTRP LLC, Highland. $2,976 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 27. Image Consultants Inc., Warwick. $1,502 in favor of the New York State Department of Taxation and Finance, Albany. Filed March 8. Invicta Motorsports Inc., Middletown. $9,140 in favor of ECS Auto Stores Inc., Middletown. Filed Oct. 25. J. Honey Nail Inc., Saugerties. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. J. Lent and Sons, Kingston. $24,682 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Oct. 21. JJR123 Inc., New Paltz. $5,115 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 27. Joe Precour Inc., Highland. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. Joma Café LLC, West Shokan. $741 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 27.

Gold Rush Jewelers, Ellenville. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Jump Start Weight Loss and Wellness, Pine Hill. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Grahamserv Vending, New Paltz. $1,317 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 27.

Junko LLC, Hurley. $40,000 in favor of the Workers’ Compensation Board of the State of New York, Albany. Filed Oct. 25.

WCBJ

Mel Mike Corp., Saugerties. $30,750 in favor of the Workers’ Compensation Board of the State of New York, Albany. Filed Oct. 25. Mole Mole Inc., Kingston. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. Northeast Electrical Construction, Kerhonkson. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. Now That’s A Burger Inc., Gardiner. $1,500 in favor of the Workers’ Compensation Board of the State of New York, Albany. Filed Oct. 24. NY Nail, Kingston. $5,109 in favor of the Workers’ Compensation Board of the State of New York, Albany. Filed Oct. 25. Orange County Construction Services LLC, Wallkill. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. Party Patrol, Highland. $3,043 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 27. Peoples II Inc., Ulster Park. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. PJSG LLC, Saugerties. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. PM Plus Co., Foster, R.I. $6,621 in favor of A and R Concrete Products LLC, New Windsor. Filed Oct. 31. Ricketson Brothers Inc., New Paltz. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Rock and Rye Inc., New Paltz. $369,530 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 27. Salsa Maria Restaurant, Milton. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. Shawangunk Building Corp., High Falls. $695 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 27. Skyline Construction, Rosendale. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. SRBJ Enterprises LLC, Hurley. $903 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 27. SVL Properties LLC, New Paltz. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. Theresa and Co., Kingston. $996 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 27. Utah Air Sports Inc., Gardiner. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. Vic De Mayo Inc., Accord. $1,008 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. Village Drop Shop Inc., Pine Bush. $6,469 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 27. Vince Holland Plumbing and Heating, Kingston. $1,212 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 27. Walkway Café and Market, Milton. $7,916 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 27. Wiles Chiropractic PC, Marlboro. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26. William Vassell Services Inc., New Paltz. $38,912 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 27. Willin Specialized Services Inc., Big Indian. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

Woodstock Outdoor Company Inc., Woodstock. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 26.

LIS PENDENS The following filings indicated a legal action has been initiated, the outcome of which may affect the title to the property listed. Alijaj, Hajdin, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $290,000 affecting property located at 2107-2109 Route 82, LaGrangeville 12540. Filed Oct. 25. Anderson, Jamie D., et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $269,490 affecting property located at 110 N. White Rock Road, Holmes 12531. Filed Oct. 25. Andre. Christopher, et al. Filed by Citicorp Trust Bank FSB. Action: seeks to foreclose on a mortgage to secure $243,013 affecting property located at 346 Greeves Road, New Hampton. Filed April 19. Any unknown heirs to the estate of Frederick J. Stevens, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $109,000 affecting property located at 104 Spring St., Maybrook 12543. Filed April 18. Augustine, Karen A., as administratrix and heir to the estate of Robert Augustine, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $111,000 affecting property located at 3 Burns Place, Kingston 12401. Filed Oct. 27. Avenengo, Norman T. Sr., et al. Filed by PHH Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $137,700 affecting property located at 16 Grand St., Port Jervis 12771. Filed April 20. Azzarello, James A., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $250,000 affecting property located at 18 Peopletown Road, Esopus 12561. Filed Oct. 21. Baez, Francisco, et al. Filed by Pennymac Loan Services LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 687 Lakes Road, Monroe 10950. Filed April 19. Berman, Barry M., et al. Filed by PHH Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $120,000 affecting property located at 550 Route 213, Rosendale 12472. Filed Oct. 25.

FACTS

FIGURES Missen, Judith A., et al. Filed by Household Finance Realty Corporation of New York. Action: seeks to foreclose on a mortgage to secure $25,723 affecting property located at 58 Wright Blvd., East Fishkill 12533. Filed Oct. 25.

Enaid Properties Corp., et al. Filed by LZG Realty LLC. Action: seeks to foreclose on a mortgage to secure $200,000 affecting property located at 1317 Indian Springs Road, Shawangunk. Filed Oct. 27.

Heady, Gail F., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $59,827 affecting property located at 11 Sunset Blvd., Hopewell Junction 12533. Filed Oct. 27.

Everett, Louis N., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 196 Carson Ave., Newburgh 12550. Filed April 19.

Heine, David E., et al. Filed by Capital One N.A. Action: seeks to foreclose on a mortgage to secure $239,423 affecting property located at 15 Hidden Valley Road, Port Jervis 12771. Filed April 15.

Faller, Willis J., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $277,425 affecting property located at 32 City Terrace North, Newburgh 12550. Filed April 22.

Hingul, Dawn M., et al. Filed by Christiana Trust. Action: seeks to foreclose on a mortgage to secure $185,250 affecting property located at 304 Broadway, Montgomery 12543. Filed April 21.

Figueroa, Hector, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $220,000 affecting property located at 3 Stanley Place, Newburgh 12550. Filed April 20.

Jarvis, Shawn, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $406,560 affecting property located at 79 Hickory Hill Road, Newburgh 12550. Filed April 21.

Fixsen, John, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $228,500 affecting property located at 55 McVeigh Road, New Hampton 10958. Filed April 21.

Jimenez, Alfredo, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $168,500 affecting property located at 73 Cromwell Hill Road, Monroe 10950. Filed April 21.

Forrest, John R., et al. Filed by Mortgage Electronic Registration Systems Inc. Action: seeks to foreclose on a mortgage to secure $111,568 affecting property located at 13 Cedar St., Staatsburg 12580. Filed Oct. 26.

Klemowitz, Joseph, et al. Filed by Christiana Trust. Action: seeks to foreclose on a mortgage to secure $251,000 affecting property located at 14 Woodstock Lane, Wallkill 10941. Filed April 20.

Geisman, Robert, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $158,650 affecting property located at 69 Sylvan Trail, Monroe 10950. Filed April 18.

Larry, Jennifer E., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $105,000 affecting property located at 571 Van Wagner Road, Poughkeepsie 12603. Filed Oct. 27.

Giordano, Joseph P., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $255,431 affecting property located at 38 Carol Drive, Hopewell Junction 12533. Filed Oct. 26.

Lynch, William J. Jr., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $338,000 affecting property located at 298 Spring St., Monroe. Filed April 18.

Davis, Keith, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $156,120 affecting property located at 19 Second St., Port Jervis 12771. Filed April 18.

Golnek, David J., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $130,807 affecting property located at 36 Foxhall Ave., Kingston 12401. Filed Oct. 24.

Daya, Maria C., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $198,648 affecting property located at 19 Ramblewood Drive, Newburgh 12550. Filed April 18.

Gray, Roger P., et al. Filed by Sterling National Bank. Action: seeks to foreclose on a mortgage to secure $290,000 affecting property located at 20 Ivy Rock Lane, New Windsor 12553. Filed April 19.

Lyons, Irene, as beneﬁciary to the estate of Frank W. Lyons, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $325,500 affecting property located at 25 Holt Road, Hyde Park 12538. Filed Oct. 25.

Quinones, Heriberto Q., et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure $76,000 affecting property located at 52 Courtney Ave., Newburgh 12550. Filed April 15.

Dean, Devon, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $211,000 affecting property located at 31 Estate Drive, Middletown 10940. Filed April 18.

Griﬃn, Arnold H. Jr., et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $139,646 affecting property located at 68 Grove St., Newburgh 12550. Filed April 21.

Maguire, James J. Jr., et al. Filed by PHH Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $229,090 affecting property located at 102 Warwick Turnpike, Warwick 10990. Filed April 15.

Rhodd, Jerome, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $245,000 affecting property located at 4 Jay Road, Poughkeepsie 12603. Filed Oct. 25.

Depew, Bridget R., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $298,705 affecting property located at 16 Cooks Lane, Walden 12586. Filed April 19.

Gulnick, Burton Jr., Ulster County commissioner of ﬁnance, as administrator of the estate of William C. Wiegert, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $193,500 affecting property located at 16 Ora Place, Kingston 12401. Filed Oct. 25.

Mazzucco, Antoinette, et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $296,250 affecting property located at 1903 Little Britain Road, Rock Tavern 12575. Filed April 18.

Scott, Kymberly M., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $204,000 affecting property located at 32 Hornbeck Ridge, Poughkeepsie 12603. Filed Oct. 27.

McNeil, Renee, et al. Filed by MTGLQ Investors LP. Action: seeks to foreclose on a mortgage to secure $158,746 affecting property located at 66 Townsend Ave., Newburgh 12550. Filed April 19.

Scriber, Edward, et al. Filed by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $150,000 affecting property located at 153 Esopus Creek Road, Saugerties 12477. Filed Oct. 25.

Bey, Khallid, et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $101,906 affecting property located at 32 Helene Road, Warwick 10990. Filed April 20. Bogart, Jeremy D., et al. Filed by Loandepot.com LLC. Action: seeks to foreclose on a mortgage to secure $220,000 affecting property located at 1046 Salt Point Turnpike, Pleasant Valley 12569. Filed Oct. 28. Cabbell, Darnell F., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $253,712 affecting property located at 412 Hawthorn Way, New Windsor 12553. Filed April 18. Cancro, Vincenza, et al. Filed by NS0152 LLC. Action: seeks to foreclose on a mortgage to secure $113,750 affecting property located at 49 Wawayanda Ave., Middletown 10940. Filed April 20. Carbone, Salvatore, et al. Filed by Ventures Trust 2013-I-H-R. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 30 Winchester Drive, Monroe 10950. Filed April 22. Carson, Matthew, et al. Filed by First Niagara Bank N.A. Action: seeks to foreclose on a mortgage to secure $104,250 affecting property located at 32 Hillside Trail, Monroe 10950. Filed April 21. Conti, Frank D., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $378,444 affecting property located at 8 Canterbury Lane, New Windsor 12553. Filed April 20. Cowle, Rick S., et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 223 Vineyard Ave., Highland 12528. Filed Oct. 21.

Morales, Damien M., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $385,037 affecting property located at 8 Square Woods Road, LaGrangeville 12540. Filed Oct. 28. Morris, Alan, et al. Filed by Carrington Mortgage Services LLC. Action: seeks to foreclose on a mortgage to secure $161,029 affecting property located at 12 Utopian Trail, Monroe 10950. Filed April 22. Neiger, Sherri Jean, et al. Filed by HSBC Mortgage Corporation USA. Action: seeks to foreclose on a mortgage to secure $201,000 affecting property located at 410 Route 211 West, Middletown 10940. Filed April 20. Olamiju, Christina, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $108,538 affecting property located at 130 Blake Road, Maybrook 12543. Filed April 22. Pearson, Tina M., et al. Filed by Beneficial Homeowner Service Corp. Action: seeks to foreclose on a mortgage to secure $68,000 affecting property located at 2025 Route 208, Montgomery 12549. Filed April 22. Phillips, Allen G., et al. Filed by Wilmington Trust N.A. Action: seeks to foreclose on a mortgage to secure $125,000 affecting property located at 16 Grove St., Highland 12528. Filed Oct. 21. Pittenger, William, et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $117,826 affecting property located at 142 Oakland Valley Road, Deerpark 12729. Filed April 20.

Soto, Marta, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $224,000 affecting property located at 137 Country Club Drive, Florida 10921. Filed April 15.

Walden, Robert, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $413,179 affecting property located at 30 Cocoa Lane, Newburgh 12550. Filed April 15.

Tivnan, Richard E., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $168,500 affecting property located at 63 Ward Place, Fishkill 12524. Filed Oct. 25.

Williams, Frank H., et al. Filed by Capital One N.A. Action: seeks to foreclose on a mortgage to secure $143,677 affecting property located at 29 Bungalow Lane, Red Hook 12571. Filed Oct. 26.

Tsikitas, Emanuel A., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $222,303 affecting property located at 13 Lincoln Drive, Poughkeepsie 12601. Filed Oct. 27.

Williams, Joseph A., et al. Filed by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $106,000 affecting property located at 112 Vineyard Ave., Highland 12528. Filed Oct. 26.

Ulanday, Misael, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $389,222 affecting property located at 4 Grand View Terrace, Chester 10918. Filed April 20.

Wilson, Mark, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $530,047 affecting property located at 370 Coldbrook Road, Bearsville 12409. Filed Oct. 25.

Unknown administrator of the estate of Hazel P. Bailey, et al. Filed by Keybank N.A. Action: seeks to foreclose on a mortgage to secure $30,000 affecting property located at 46 Millers Lane, Kingston 12401. Filed Oct. 21.

Young, Ruth, et al. Filed by OneWest Bank FSB. Action: seeks to foreclose on a mortgage to secure $168,000 affecting property located at 840 Route 211 West, Middletown 10940. Filed April 18.

Unknown administrator of the estate of Jo Anne Hoyt, et al. Filed by Keybank N.A. Action: seeks to foreclose on a mortgage to secure $75,000 affecting property located at 3 Orchard Place, Tillson 12486. Filed Oct. 24. Unknown heirs at law of Reinaldo Gonzalez, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $150,000 affecting property located at 5 Sisti Road, Plattekill 12568. Filed Oct. 26. Unknown heirs to the estate of Sylvia Francis, et al. Filed by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $204,400 affecting property located at 933 Route 211 West, Middletown 10940. Filed April 22. Van Orden, Robert, et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $166,500 affecting property located at 5 Owen St., Port Jervis 12771. Filed April 19. Von Sauers, Russell J., et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $67,000 affecting property located at 7 Dubois St., Port Jervis 12771. Filed April 18. Walby, Michael D., et al. Filed by Capital One N.A. Action: seeks to foreclose on a mortgage to secure $432,000 affecting property located at 80 Last Road, Crawford 10941. Filed April 18.

Zaccheo, Dominic A. Jr., individually and as executor of the estate of Maureen Canosa, et al. Filed by PHH Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $390,500 affecting property located at 199 Milton Turnpike, Milton 12547. Filed Oct. 24. Zale, Russell P., et al. Filed by Citizens Bank N.A. Action: seeks to foreclose on a mortgage to secure $361,250 affecting property located at 22 Jackson Lane, Campbell Hall 10916. Filed April 18.

MECHANIC’S LIENS Buckskin, as owner. $3,225 as claimed by Stephen Schwartz. Property: 27 Strawberry Hill Road, Pawling. Filed Oct. 31. Central Brothers Inc., as owner. $7,150 as claimed by Strawridge Rock and Tape Inc., Wallkill. Property: 273 Route 32, Woodbury. Filed Oct. 27. Garrai LLC, as owner. $14,616 as claimed by Kenneth J. Smith, Clinton Corners. Property: 62 Hicks Lane, Stanford. Filed Oct. 27. Kingston Acquisitions Corp., as owner. $2.3 million as claimed by Valente Associates Inc., Dix Hills. Property: The Hills, Connelly Road, Esopus. Filed Oct. 26. Kingston Acquisitions Corp., as owner. $250,000 as claimed by Valente Associates Inc., Dix Hills. Property: The Hills, Connelly Road, Esopus. Filed Oct. 26.

WCBJ

NOVEMBER 14, 2016

milli

#milliawards2016

AWARDS 2016

Join us for an exciting evening to celebrate Westchester and Fairfield counties’ top young professionals!

KEYNOTE SPEAKER

AGENDA 5:30 p.m. Cocktail reception and holiday bazaar with local vendors. 6:15 p.m. • Keynote speech by Brandon Dufour, CEO, The Next Street, entrepreneur and 2013 Fairfield County Business Journal 40 under 40 honoree. • Presentation of Milli Awards.

BRANDON DUFOUR

8-10 p.m. After-party hosted at Frankie & Fanucci’s, Mamaroneck, including complimentary appetizers, gift cards to drinks from the new self-serve taproom and live music.

Nov. 15, 5:30 PM

VIEW THE WINNERS AND REGISTER AT: WESTFAIRONLINE.COM/MILLI-AWARDS

280 davenport ave., new rochelle

For more information, contact Danielle Brody at 914-358-0757 or dbrody@westfairinc.com.

CEO, The Next Street

THE SURF CLUB ON THE SOUND

PRESENTED BY:

SUPPORTERS:

NOVEMBER 14, 2016

WCBJ

BRONZE SPONSORS:

TO BENEFIT:

LEGAL NOTICES NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC). NAME: Oxford Interiors of New England LLC Articles of Organization were filed with the Secretary of State of New York (SSNY) on 09/12/2016. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to: The LLC, PO Box 11041 Greenwich, CT 06831, principal business location of the LLC. Purpose: residential and commercial construction. #60804 540 North James, LLC, Art. of Org. filed w/SSNY on 8/19/16. Offc. Loc: Westchester Co. SSNY designated as agent upon which process may be served. SSNY shall mail process to LLC, 923 Saw Mill River Road, Ste 218, Ardsley, NY 10502. Purpose: any lawful purpose. #60805 Name of LLC: ASADV Realty, LLC. Articles of Organization filed NY Secretary of State: 07/19/2016. Principal office located: Westchester County. Secretary of State designated as agent of LLC upon whom process against it may be served. Secretary of State shall mail a copy of process to the LLC, c/o Suzanne Dinotte, 605 Giordano Drive, Yorktown Heights, NY 10598. Purpose: any lawful activity. #60806 Notice of Formation of 1920 COMMERCE STREET LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 9/16/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: One New King Street, West Harrison, NY 10570. Purpose: any lawful act or activity. #60807 Notice of Formation of Green meets Blue LLC Art. Of Org. filed with SSNY on 9/29/16. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 7 Rustling Lane, Bedford NY 10506. Purpose: any lawful purpose. #60808

Notice of formation of Rage Rovers Productions LLC, Arts. of Org. filed with SSNY on 8/9/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY may mail process to the LLC, 16 Main Street, Irvington, New York, 10533. Purpose: any lawful purpose. #60811 Notice of Formation of Jason Duncan LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 9/15/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: Jason M. Duncan, 7 Balint Drive, Apt. 516, Yonkers, NY 10710. Purpose: any lawful act or activity provided that it is not to engage in any act or activity requiring the consent or approval of any state official, department, board, agency, or other body without such consent or approval first being obtained. #60812 ERP, LLC, a domestic LLC, filed with the SSNY on 9/28/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, c/o Elizabeth R. Petrillo, 10 Orchard Dr., Purchase, NY 10577. General purpose. #60813 Nunz Funding LLC, a domestic LLC, filed with the SSNY on 9/21/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, c/o Joseph Annunziata, 340 Woodlands Rd., Harrison, NY 10528. General purpose. #60814 Beckett Ventures, LLC, a domestic LLC, filed with the SSNY on 8/22/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 232 Madison Ave., Ste. 909, NY, NY 10016. General purpose. #60815 Classico Bar Cafe, LLC, a domestic LLC, filed with the SSNY on 10/5/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 887 Midland Ave., Yonkers, NY 10704. General purpose. #60817

Notice of Formation of ACHBANI RESTAURANT MANAGEMENT LLC, LLC Art. Of Org. filed with SSNY on 9/26/2016. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 325 NORTH MAIN STREET, PORT CHESTER, NY,10573. Purpose: Restaurant and bar. #60818 Ecobeneficial LLC, a domestic LLC, filed with the SSNY on 9/22/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Kimberly S. Eierman, 2 Deshon Ave., Bronxville, NY 10708. General purpose #60819 NOTICE OF FORMATION OF Glenn Scott Emergency Services, LLC. Arts of Org filed with the Secretary of State of NY (SSNY) on 09/19/2016. Offc. Loc: WESTCHESTER Cty. SSNY designated agent upon whom process against LLC to principal business address: 485 E. Lincoln Ave #109, Mt. Vernon NY 10552 Purpose: any lawful act or activity #60821 Notice of Formation of Running Brooke LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 6/27/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: The LLC, c/o The Morgan Group, 41 West Putnam Ave., Greenwich, CT 06830. Purpose: any lawful activity. #60822 NOTICE OF FORMATION of Clover Hill Daycare, LLC. Arts. of Org. filed with the Secretary of State of New York (SSNY) on 10/17/2016. Location: Westchester SSNY designated as agent for service of process on LLC. SSNY shall mail a copy of process to: Kevin Clampet, CPA PLLC, 54 Gedney Park Dr, White Plains, NY 10605 Purpose: Any lawful purpose. #60824 Notice of formation of What Creative Media, LLC Arts of Org filed with the Sec of State of NY (SSNY) on 9/27/16. Office location: Westchester County. SSNY has designated as agent for service of Process. SSNY shall mail service to: Registered Agents Inc., 90 State Street, Suite 700, Office 40, Albany, NY 12207. Purpose: any lawful activity #60825

Hair to Stay NY, LLC, Articles of Organization filed with Secretary of State of New York (SSNY) on 10/12/16. Office located in Westchester County. Secretary of State designated as agent upon which process may be served. Secretary of State shall mail a copy of any process against it served upon him/her to: 75 N. Saw Mill River Road, Elmsford, NY 10523. LLC may engage in any lawful act or activity for which a limited liability company may be formed. #60826 Notice of Formation of Promenade Yonkers LLC. Arts. of Org. filed with SSNY on 7/29/2016. Office location: Westchester Co. SSNY has been designated for service of process and shall mail a copy of any process served against the LLC to 62 Buena Vista Ave., Yonkers, NY 10701. Purpose: any lawful act or activity. #60827 Notice of Formation of HH Stonehouse Office LLC. Arts. of Org. filed with SSNY on 9/9/2016. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to Corporation Service Company, 80 State Street, Albany, New York 12207-2543. Purpose: any lawful act or activity. #60828 Name of Formation of Searle Advisors, LLC. Arts of Org. filed with SSNY on 6/29/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to United States Corporation Agents, Inc., 7014 13th Avenue, Suite 202, Brooklyn, NY 11228. Purpose: any lawful purpose. #60829 Bakal Law PLLC, a domestic PLLC, Arts. of Org. filed with the SSNY on 10/19/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the PLLC may be served. SSNY shall mail process to The PLLC, 22 Cottontail Trl., Upper Saddle River, NJ 07458. Purpose: Law. #60830 Notice of formation of VZ5, LLC or Org. filed with SSNY on 9/26/2016. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to Jonathan Vasquez, 165 Woodland Ave, 2nd fl, New Rochelle, NY 10805. Purpose: any lawful act or activity. #60831

Butterhill Bakery LLC, a domestic LLC, filed with the SSNY on 10/21/2016. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 21 Lakeview Ave., Sleepy Hollow, NY 10591. General purpose. #60832 MOMA DEVELOPMENT, LLC, a domestic LLC, Arts. of Org. filed with the SSNY on 10/19/2016. Office location: Westchester. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Pamela Nodiff, 1170 Greacen Point Rd., Mamaroneck, NY 10543. General Purpose #60833 Notice of Formation of Lovely Event Planning, LLC Art. Of Org. filed with SSNY on 7/29/2016. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 7014 13th Ave. Suite 202, Brooklyn, NY 11228. Purpose: any lawful purpose. #60834 PROFESSIONAL PET PAL, LLC. Filed 9/15/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 11 Bryant Crscnt, #2F, White Plains, NY 10605 Purpose: all lawful #60837 ACE RE LLC. Filed 8/31/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 178 Clarence Rd Scarsdale, NY 10583 Purpose: all lawful #60838 SKY MEADOW FARM LLC. Filed 10/17/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St, #204, White Plains, NY 10601 Purpose: all lawful #60839 BMG CONSULTING GROUP LLC. Filed 10/17/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St, #204, White Plains, NY 10601 Purpose: all lawful #60840 SCOTT CONSULTANTS II LLC. Filed 9/7/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St, #204, White Plains, NY 10601 Purpose: all lawful #60841

43 MIDDLE POND ROAD ASSOCIATES LLC. Filed 9/28/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St, #204, White Plains, NY 10601 Purpose: all lawful #60842 BEECHWOOD 5 ASSOCIATES LLC. Filed 10/5/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St, #204, White Plains, NY 10601 Purpose: all lawful #60843 Notice of Formation of G Hardscape LLC Arts. of Org. filed with SSNY on 10/31/2016. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to 65 Pine Avenue, Ossining, NY 10562 Purpose: any lawful act or activity. #60844 Notice of Formation of OneL Consulting LLC Art. of Org. filed with SSNY on 9/30/16. Offc. Loc: Westchester Cty. SSNY design. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 8 Applegate Way, Ossining, NY 10562. Purpose: any lawful purpose. #60845 Notice of Formation of Domanic Guzman LMT, LLC Art. Of Org. filed with SSNY on 7/18/16. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, One City Place #1106 White Plains, NY 10601. Purpose: any lawful purpose. #60846 CJ of Peekskill, LLC, Art. of Org. filed w/SSNY on 8/08/16. Offc. Loc: Westchester Co. SSNY designated as agent upon which process may be served. SSNY shall mail process to LLC, 923 Saw Mill River Road, Ste 218, Ardsley, NY 10502. Purpose: any lawful purpose. #60847 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC). NAME: THERAQUEST LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 10/25/2016. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of the process to: The LLC, 444 E Boston Post Road, Mamaroneck, New York 10543, principle business location of the LLC. Purpose: any lawful business activity. #60848

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THE ANNUAL RETURN OF THE SPIRITUS GLADIUS FOUNDATION for the fiscal year ended August 31, 2016 is available at its principal office located at 800 Westchester Avenue, Suite S-618, Rye Brook, NY 10573-1373 for inspection during regular business hours by any citizen who requests it within 180 days hereof. Principal Manager of the Foundation is DONALD E. HANDELMAN. #60849 Vanessa & Lauren LLC, a domestic LLC, filed with the SSNY on 10/28/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 160 Davis Ave., White Plains, NY 10605. General purpose. #60850 Mako Consulting LLC, a domestic LLC, filed with the SSNY on 8/8/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Mark Lonnegren, 85 Drake Smith Ln., Rye, NY 10580. General purpose. #60851 Notice of Formation of Business Boosters Consulting, LLC Art. Of Org. filed with SSNY om 9/26/16. Offc. Loc: Westchester Cty. SSNY desig. As agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 58 Sycamore Rd. Scarsdale, NY 10583. Purpose:Any lawful purpose. AD # 60816 Notice of Formation of 4040 BA LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 9/12/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: Finkelstein Timberger East Real Estate, 111 Brook Street, Scarsdale, NY 10583. Purpose: any lawful activity. AD # 60823 Notice of Formation of Ottavioâ&#x20AC;&#x2122;s Studio, LLC. Arts. Of Org. filed with SSNY on 9/30/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY may mail process to the LLC, 711 Main Street, New Rochelle, NY, 10801. Purpose: Any lawful purpose. AD # 60835 Adama Advisors LLC, Art. of Org. filed with SSNY 10/13/16. Offc. loc.: Westchester Cty. SSNY desig. as agent of LLC upon whom process against it may be served. SSNY shall mail process to LLC, 35M Rockledge Rd, Hartsdale, NY 10530. Purpose: any lawful act. AD # 60852

NOVEMBER 14, 2016

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FACES&PLACES

LEGAL SERVICES OF THE HUDSON Valley last month hosted its third annual Dutchess Partners in Justice Reception at Locust Grove Estate in Poughkeepsie. The annual fundraiser, attended by 225 people, supports the White Plains-based nonprofit’s work in Dutchess County. Timmian Massie, senior vice president for marketing, public affairs and government relations at Health Quest, received the agency’s Champion of Justice award, while the law firm of Iseman, Cunningham, Riester & Hyde LLP, with offices in Poughkeepsie and Albany, was recognized as Advocate for Justice. Photos by Al Nowak of On Location Studios. 1. Bernard Handel, Shirley Handel, Eleanor Charwat and Martin Charwat. 2. New York Assemblywoman Didi Barrett; state Sen. Sue Serino and Tim Massie, senior vice president of marketing, public affairs and government relations at Health Quest. 3. Anil Beephan, state Senate legislative assistant; and attorney Jonathan Kozak, principal of Jackson Lewis LLP and Legal Services of the Hudson Valley director. 4. Ann Armater, executive director of Foundation for Vassar Brothers Medical Center and Health Quest senior vice president for development; Priscilla Weaver, executive director, Putnam Hospital Center Foundation; Dawn Morrison, Northern Dutchess Hospital Foundation executive director; Colleen Cruikshank, development associate at Health Quest / Northern Dutchess Hospital; and Silvana O’Keefe, development assistant, Foundation for Vassar Brothers Medical Center. 5. Lenore Allen, Teresa Leske, Paula Coppin, and Marlo De La Rosa, all from Central Hudson Gas & Electric Corp. 6. Cecilia Stancell, director of programs at The Dyson Foundation; Legal Services of the Hudson Valley CEO Barbara Finkelstein; and Jennifer Drake, senior program officer at The Dyson Foundation.

EMPLOYEES AT PENTEGRA RETIREMENT SERVICES in White Plains last month partnered with Volunteer New York and the Lois Bronz Children’s Center to revitalize the playground at the White Plains center serving preschoolers and elementary school children. The volunteers stained and painted playground equipment and planted greenery. Photos courtesy Pentegra Retirement Services. 6. Erica Farland paints a ladder. 7. Volunteer Jennifer Pinto and John E. Pinto, president and CEO of Pentegra Retirement Services, paint playground equipment. 8. Des Anderson from Pentegra Retirement Services brightens a planter box. 9. Kelly Gonzales, left, and Victoria Woody from Pentegra Retirement Services help paint murals on the children’s center. 10. The Pentegra Retirement Services team of volunteers.

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NOVEMBER 14, 2016

Portrait by renowned illustrator Joseph Adolphe.

WILMINGTON TRUST RENOWNED INSIGHT

“You’ve built a strong team for your business. Have you done the same at home?”

Thomas C. Rogerson Senior Managing Director and Family Wealth Strategist

Tom is a recognized leader and pioneer in family governance, assisting families with communication, philanthropic vision, legacy planning, succession, and education. He incorporates these critical issues into a client’s comprehensive wealth management plan, helping not only to prepare the money for the family, but also to prepare the family for the money. For access to knowledgeable professionals like Tom and the rest of our team, contact Sharon Klein at 212-415-0547.

As a business owner, you likely spend time promoting a sense of teamwork, collaboration, and unity among your employees. But are you doing the same within your family? Establishing a strong sense of team at home is crucial if you hope to pass on your business to future generations. The dilemma. Parents in high-net-worth families face the challenge of preparing the next generation to tackle wealth-related issues, while also worrying about entitlement and lack of motivation. They often spend a great deal of time preparing their money for their family, but rarely focus on preparing their family for the money. Many business owners who come to us have fallen into this trap. We see them devoting significant resources to off-site company retreats, where abilities and shared values are identified, and the company’s mission for the future is discussed at length. But when asked if they are doing the same with their families, there’s likely silence and a shrug. Interdependence is often overlooked. By the time you realize that your family is fragmenting into a group of independent, self-interested individuals, it can be very difficult to reverse the trend.

The answer. We have a five-step process that can help you build a strong family team, and it’s based on some of the same tools you’d use within your company. It involves education, communication, shared values, philanthropy, and governance. The tools and strategies employed at each stage can help families start encouraging the skills needed to make positive, intelligent decisions regarding family wealth long into the future.

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O F H I G H - N E T- W O R T H FA M I L I E S L O S E T H E I R W E A LT H B Y T H E T H I R D G E N E R AT I O N Source: The Williams Group Wealth Consultancy

Wilmington Trust has extensive experience helping successful business owners and their families develop critical communication skills and build family unity. For insight into how we can help you create your own “home team advantage,” visit wilmingtontrust.com/nextgen.

F I D U C I A R Y S E R V I C E S | W E A LT H P L A N N I N G | I N V E S T M E N T M A N AG E M E N T | P R I VAT E B A N K I N G

This article is for informational purposes only and is not intended as an offer or solicitation for the sale of any financial product or service. This article is not designed or intended to provide financial, tax, legal, accounting, or other professional advice since such advice always requires consideration of individual circumstances. If professional advice is needed, the services of your professional advisor should be sought. Private Banking is the marketing name for an offering of M&T Bank deposit and loan products and services. Investments: • Are NOT FDIC-Insured • Have NO Bank Guarantee • May Lose Value Wilmington Trust is a registered service mark. Wilmington Trust Corporation is a wholly owned subsidiary of M&T Bank Corporation (M&T). Investment management and fiduciary services are provided by Wilmington Trust Company, operating in Delaware only, and Wilmington Trust, N.A., a national bank. Loans, retail and business deposits, and other personal and business banking services and products are offered by M&T Bank, member FDIC. ©2016 Wilmington Trust Corporation and its affiliates. All rights reserved.

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