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Homeowner Alliance

Here’s the story of fellow Long Islanders, David Pescetto and Cookie Tini, who have created a non-profit, Homeowner Alliance, where prospective home buyers and sellers could receive guidance and assistance.

Hi Cookie and Dave! How did you get started with Homeowner Alliance?

We started as a small group of individuals who were in search of helping homeowners create a place where they could receive sincere guidance and assistance. As we were sitting around and talking, we couldn’t believe how many homeowner’s had trouble with attorneys, banks, real estate agents, and investors taking advantage of them and sometimes even making matters worse.   Unfortunately, some of us have lived through these same nightmares with our own homes and/or family members.  We have learned firsthand the agonizing struggles working with incompetent banks, real estate agents, attorneys and investors alike.

​We have heard all too many times a client telling us:

  1. “The bank won’t talk to us.”
  2. “The agent was nice, but had no idea what they were doing.”
  3. “We have paid an exuberant amount of money to an attorney to try to save our house, but wound up losing it anyway.”
  4. “I trusted an investor who promised me a place to live and money, but never delivered.”
  5. “I was told that I would be able to get a modification done and paid the person to do it and found out that they never even sent in the paperwork and I was hung out to dry.”

​Unfortunately, the above are just a small fraction of what we hear. However, it is important to note that there are amazing banks, attorneys, real estate agents and investors out there.   In fact, we personally work with many of them who have a proven track record and an outstanding reputation.

After all the sad stories we heard, we decided to take matters into our own hands and opened up a non-profit. When working with us you will find FAIR and HONEST guidance regarding your situation.  We will do all we can to keep families in their homes and preserve communities.  Please remember YOU are not alone.

What services do you offer?

Homeowner Alliance is a non-profit organization that provides assistance to homeowners struggling with the many obstacles of home-ownership and navigating through difficult bank guidelines. Our first line of defense is to help you KEEP your home!  If you are having issues with your mortgage, we are here to help you.  Our services include: loan modification, foreclosure assistance, auctions, distressed properties, probate, tax liens, divorce circumstances, and real estate sales. Going through any of these situations can be very daunting and confusing, our goal is to educate homeowners and help them arrive at the best outcome. We know confidentiality is very important to most people and we value your privacy. 

What is the one thing your business is known for over your competitors?

First and foremost, we are ALWAYS honest, compassionate and transparent. Collectively we have over 20 years in the real estate and mortgage industry.  If we can’t help a homeowner, we will steer them in the right direction and recommend them to someone who can, even if that is a competitor.

What would you want current or potential customers to know about your business that they may not know already?

More important than our collective experience in the real estate industry is that we have experienced firsthand what it is like to be a distressed homeowner and/or lose a home. Experiencing sleepless nights, frustration, confusion and stress can be overwhelming and sometimes unbearable to handle.  However, we also know what it takes to alleviate these concerns and get the best outcome for the homeowner. 

What is the biggest “win” in your business’ history? Explain what it was, how it came about, and what it meant to your business.

The biggest win for us was when we realized we could help homeowner’s that have all types of mortgages including a reverse mortgage which we were told could not be done.  Marie was a 79-year-old widow who was being harassed by every investor, attorney and short sale company.  One day I knocked on Marie’s door and we talked through a window for some time and when she felt comfortable with me, she invited me in.  She was super stressed and extremely overwhelmed.  I sat at Marie’s kitchen table and listened to her story.  As we were sitting there, she received 4 consecutive phone calls from the same short sale company (she was very upset about this constant harassment), on the 4th call I asked if I could answer the phone and speak on her behalf, she agreed and fortunately I spoke with the caller and stopped the harassment.  As we continued to talk it came to light that Marie did not tell her children what she was going through for the past 3 years. When we were done speaking, I told her we would try to help her and if we couldn’t we would recommend her to someone who could. I suggested she speak with her children and let them know what was happening.  In addition, I suggested that the next time we meet it was important to have all or at least one of her children present. The next time we met she told me she discussed everything with her children and gave me her sons number and asked me to explain to him what was going on.  Once we had both Marie and her children on board, paperwork was signed, we were able to move forward and get the best outcome for Marie.  We settled with the bank, obtained moving and living expenses for her to start her new journey.   Knowing that we could now help the elderly with reverse mortgages has meant a lot to us and the homeowner.

What else should we know about Homeowner Alliance?

If you’re going through any of these situations or know someone who is please don’t hesitate to Call, text or email our office today and one of our advocates will be there to assist with any question you may have.

Our goal is to educate homeowners and help them arrive at the best outcome.

Homeowner Alliance

www.homeownerallianceusa.org

ha.advocate20@gmail.com

David Pescetto Cell: (516) 474-3944

Cookie Tini Cell: (631) 509-3886

Featured

The 5 Steps to Branding

By Lindsay Aliseo

Branding your business is, in my opinion, the single most important part of building a business. If you have a brand that people love it is because of the branding efforts put forth purposely to build the brand. So, how does a business owner begin to brand? I will review The 5 Steps to Branding YOU and your business in this article.

  1. Knowing your Target Market.
  2. Logo, Fonts, Colors, & Marketing Material Themes 
  3. Attracting your Target Market
  4. Consistency & Diversifying your Marketing
  5. Is your Brand Memorable?

Knowing your Target Market

 If you are unsure what your target market is, we can take a look here. If you are unable to pinpoint your target market, then you may not have the right business or product.  Knowing your target market helps narrow down your marketing efforts and will cost you much less in the end. Let’s nail down your target market!

  1. Is your product or service geared towards children, teens, adults or seniors?
  2. Is your product or service gender based?
  3. Is your product or service location based?
  4. Do you have a niche product or service?
    – Something that is for use in the kitchen
    – A product or service for pregnancy
    – Carpentry tools

Knowing your audience enables you to create the appropriate marketing materials and attract them with the right marketing placements. It also begins to generate efficiency within your business. Efficiency is my other major component of building a business. Always work smarter not harder! I could write PAGES on organization and efficiency but for now I will stay on topic.

Logo, Fonts, Colors & Marketing Material Themes 

  Your look should have a direct relationship with your product or service and your market. Simplicity is best here. The more complicated and busy your logo and themes are, the more likely you are to lose those prospective customers. Realistically, you have about 2-3 seconds to grab the attention of and hook a customer. Below I have listed a couple of my rules when creating graphics, logos and advertisements.

  1. Keep it simple. 
  2. Stick with a theme. 

    The consistency of a theme will help your market remember you the next time they see you. Try creating a marketing campaign that runs for a certain amount of time, keeping the theme consistent, this will be beneficial to your acquisition numbers. Create a format for your graphics and advertisements. Use no more than three types of graphics with the same color scheme and logo layout for each. 
    Format 1: Graphic – Title – Logo – Themed Styles, Colors & Fonts

Format 2: Framed – Clear Offer/Message – Logo – Themed Colors and Fonts

Format 3: Cover Photo – Logo – Themed Colors

Attracting your Target Market

            You may have heard of Attraction Marketing in the past but didn’t really understand how to use it or maybe you thought it was something made up by all of the self-proclaimed business gurus on social media.  I am here to tell you Attraction Marketing is the second most important part of building and branding YOU and your business! 

What is Attraction Marketing?  Well, it is exactly what it sounds like. You attract customers TO YOU! The concept of attraction marketing is all about what you put out into the world. If you are always posting negative things on your social media pages, constantly arguing with other people in Moms Groups and privately or publicly complaining about other businesses or your customers, I can promise you that you are branding yourself as unapproachable. What you do in your personal life will ALWAYS reflect in your business life. On the other hand, if you are supportive, kind, and uplifting, especially on your personal social media accounts, you will brand yourself as not only approachable but people will start to gravitate to you. They will want more of what you have to offer as a person. If you are consistent with your positive, supportive and uplifting identity, people will remember you as such and when they need something that you have to offer in your business, they will be more inclined to use you. I created a short video that really gets into Facebook posting and Attraction Marketing, that you can watch here Attraction Marketing and Facebook

The next part of attracting your target market is to know the right outlets to use. These days exposure to your target market is often accomplished with the help of social media. If your target market is men and women over the age of 70, living on Long Island, social media may not be the right place for you to advertise, unless you are marketing to the caretakers of these seniors. In this case, your marketing efforts need to be tailored not to the seniors themselves but the ones that may help make decisions for them.

If your target market is made up of women that are pregnant or may be thinking of starting a family in the next 12-15 months, living on Long Island, it would be beneficial to join your local moms group, or groups pertaining to pregnancy and childcare. Most of these groups will not allow you to advertise but will allow you to comment on a post when asked for specific help and more specifically, asking for help that your business provides. Please be careful when utilizing this method for free marketing. You should always offer free advice or information first. If asked, you then provide your business information. No one likes to have a business owner shove their business down their throat, unsolicited.

Want more information on branding your business in Long Island Moms Group with an audience of over 22 thousand people? Watch this Daily Deals Video for more Information

Consistency & Diversifying your Marketing

The Rule of 7 is your starting point for consistency and diversifying. What is The Rule of 7? Simply stated, your prospective customer needs to be exposed to your brand seven times before they will purchase from you. The idea behind The Rule of 7 is that you are building CREDIBILITY with CONSISTENCY over each exposure. You are ATTRACTING your target market by conveying value and trust and creating a MEMORABLE brand. On average, by the seventh time a person has been exposed to your brand they will remember it for when they need your service or product. But, you can without a doubt hook them before that! 

How do I make sure my target audience is exposed to my brand seven times?

  1. Diversifying your marketing efforts.
  2. Staying consistent with your marketing.
  3. Making sure your branding is clear and concise.  

Long Island Exclusive offers business owners the unique opportunity to brand their business with our Long Island audience of over 200k people in a multitude of ways. Ensuring that your target market will be exposed to your brand steadily and diversely. 

Is your Brand Memorable

            Securing your brands memorability, depends on successfully completing and staying consistent with these five steps. Whoever created the saying “Consistency is Key” could not have been more on point. You need to make a serious commitment to branding YOU and your business. For some this is an easy feat as they already portray the positive person they are to the world. For others, this may be a challenge at first but once you feel the immensely strong effects of your efforts, you will never turn back and the future will be bright.

Business Spotlight: Ackerman Law PLLC

Ackerman Law PLLC, founded by Michael S. Ackerman, is based on Long Island, and its professionals have been serving Long Island’s real estate needs since 2002.

How did Ackerman Law PLLC get started?

Ackerman Law PLLC was founded by Michael S. Ackerman. Michael has focused in Real Estate since 2001. While in law school, Michael interned at a major title insurance company and from there went on to become counsel, where he advised attorney’s daily on real estate and title matters. The experience and knowledge obtained during that time helped form the solid foundation he now has in Real Estate law.  Michael went on to open his own law firm and has been in business since 2004.

Tell us more about Ackerman Law. How can you help fellow Long Islanders?

Ackerman Law PLLC is a law firm focusing in Real Estate transactions, servicing a wide variety of clients, ranging from the first time home buyer to the sophisticated real estate investor as well as the private to institutional lender.

We handle :

  • Single and Multi-Family Homes
  • Cooperative Apartments
  • Condominiums, Town Houses and Homeowner’s Associations
  • New Constructions and Condo-Offerings
  • Vacant Land
  • Bank-Owned and Foreclosed Properties
  • Commercial and Mixed-Use
  • Short-Sales

What is the one thing your business is known for over your competitors?

Ackerman Law PLLC is known for and prides itself on its ability and reputation for getting the deal done, providing its clients the highest levels of customer service, satisfaction and speed.   This is why we make ourselves accessible to move your deal and closing forward, at all times necessary. Ackerman Law PLLC understands that real estate moves quickly and therefore each transaction is treated with urgency all the while paying attention to detail.

Our reputation for service, experience and speed is based upon our results.  We perform same-day turnaround times on contract preparation and negotiation, accessibility to speak with our clients, realtors and other attorneys at all times necessary to move the deal forward, and our transparent approach.  Our clients appreciate how we treat them not only as clients but also as friends and family.

What would you want current or potential customers to know about your business that they may not know already?

Ackerman Law PLLC focuses in real estate so rest assured that when you work with us, you have a team behind you that has the experience, knowledge and resources necessary to get from contract to close as seamlessly and efficiently as possible.  

What is the biggest “win” in your business’ history?

We see every see every closing we do for our clients as a win, as well as the numerous referrals we receive from previous clients and real estate professionals as a win.  We like winning!

Thanks for sharing your story with us. Where can people get in touch with you?

Ackerman Law PLLC 

Michael S. Ackerman

Email: michael@ackermanlawyers.com 

Phone: 516-877-1500

Web: www.AckermanLawyers.com

Business Spotlight: George Scarpias – Licensed Real Estate Broker

Here’s the story of a lifelong Long Islander, George Scarpias, who, through his hard work and dedication, has helped hundreds of Long Island families buy or sell their homes.

Hi George! Lets start from the beginning. How did you get started in Real Estate?

I became a real estate agent because I saw a need for change in a very dated industry. Real Estate has become too much of a transaction and less of an experience. I wanted to give a fun and exciting spin to Real Estate by actually treating people like family. Since inception, the Scarpias Team has grown to a team of twelve like-minded, local parents.

What is your connection to Long Island?

Born and raised in Massapequa and a resident for almost 40 years, I have deep roots in the community. I graduated Massapequa High School as captain of the men’s soccer team and have three beautiful children in the school system. In fact, our entire team are local moms and dads.

My business involves buying, selling and renting both Residential and Commercial properties from Montauk to Manhattan. We have many ties to the local markets and have become some of the most referred agents in the local Moms and Dads Groups on Facebook. We are proud to have brought a fun and exciting real estate experience to over 400 local families from these groups.

What is one thing your team is known for over your competitors?

We give a one of a kind experience by always going above and beyond for our clients. Our family first approach makes every client part of the family.

We believe going the extra mile makes a world of a difference. Real Estate fast & furious leaves you with many questions. Our goal is to make your deal as smooth as possible.

What would you want current or potential clients to know about your business that they may not know already?

During the holiday season, we run a Christmas light show on our house that we customize with music and dancing lights. We are known as “The Massapequa Christmas House” on Facebook. We collect toys and donations for a local children’s hospital. During the pandemic, we were able to donate 10,000 “ear savers” for first responders.

What is the biggest “win” in your business’ history?

The biggest “win” for our business I would say, has to be the massive support we have received from the local Moms and Dads groups. The support has been amazing over the years and we are so unbelievably grateful every single day. The George Scarpias Team has become a household name for anything Real Estate.

Has your business won any awards?

Yes we have! We are proud of all of the awards and recognitions we have received:

  • Companywide Top Listing & Sales Agent 2017-2020
  • Top 20 Under 40 Rising Star
  • Coach Pinnacle Agent Top 1% Sales Long Island
  • Pulse Magazine Power Broker of Long Island
  • Presidents’ Club Hall of Fame

You mentioned the charitable work you have done through your Christmas House. What other charities and community groups are you involved with?

We are involved in charities for The John Theissen Children Foundation, The Ashley Wade Foundation, Be a Kid Foundation. We also support local businesses and sports teams in addition to the Massapequa Christmas House.

Thanks for sharing with us, George! Where can people get in touch with you?

People can reach me directly at (516) 330-1949 or via email at GScarpias@coachrealtors.com. Please also follow us on Facebook!

Holiday Boxes for the Kids!

🚨 LIMG Presents… THE HOLIDAY BOXES! 🚨

These Holiday Boxes are the perfect fun little gifts for your children! They are filled with magic and guaranteed to make them smile 🙂 You have the choice between the Christmas Box or the Hanukkah Box.
www.LongIslandMomsGroup.com

$25 CHRISTMAS BOX INCLUDES:
🎅🏻 Personalized Letter from either Santa or your Elf on the Shelf
⛄NEW THIS YEAR – A Snowman Craft!
🎅🏻Reindeer Food
🎅🏻Snowman Soup
🎅🏻Santa’s Magic Key (a real skeleton key!)
🎅🏻Mini Coloring Book and Christmas Crayons
🎅🏻Christmas Book
🎅🏻More Surprise Goodies!

Each additional child is $3 & will include these extras:
🎅🏻An Additional Craft
🎅🏻Snowman Soup
🎅🏻Mini Coloring Book and Christmas Crayons

$25 HANUKKAH BOX INCLUDES:
✡ Personalized Official Good Behavior Notification
✡ A Fun Menorah Craft
✡ Hanukkah Activity Book
✡ Hanukkah Puzzle
✡ Gelt
✡ Dreidel with the Rules
✡ A Special Treat
✡ More Surprise Goodies!

Each additional child is $3 & will include these extras:
✡ An Additional Craft
✡ Gelt
✡ Dreidel

Get Started HERE: www.LongIslandMomsGroup.com

Go to Yoga – Medwell Spa & Yoga

Go to Yoga,

Talk to me…… Yoga.

What is your deal in today’s busy, scary, fast, confusing, unjust and misunderstood world?

I’m “just” a person trying to raise small people to be good humans. Trying to find some girlfriend time, some laundry time, some professional time, some intellectual time, some party time, some exercise time, some time to have a date with my husband, some inspiration and some peace. Some extra sleep would be great, too.

I’d actually love to immerse myself in a book…but that seems to be on the back burner these days. I went to university, I studied hard, I traveled, I learned, I gained wisdom and yet, I feel like I have lost so much of the time with where this big rotating, hot ball of fire and rock is headed.

I’m aware of so much that’s going on; I’m aware of the injustices, the suffering, the hurt and I just want to help. I want to make a difference. I want to be a positive, contributory human. I’m just one person- how can I be of any significance in this vast world of inequality and injustices?

Well, I can.

Last time I checked it often takes two incomes to survive and “thrive” on Long Island. We have access to beautiful beaches, reputable schools and tree lined neighborhoods with a reasonable level of community connectedness and safety for the most part. These privileges don’t come without hard work and a day in day out effort of many contributory individuals.

When we think of “modern” yoga in North America, we think of flexible, zen, expensive yoga apparel and women with time off during the day to do yoga.

Who are these people? How do “they” get to be the ones practicing yoga while the rest of us are slaving away trying to make ends meet? At the end of the day, there sure doesn’t seem to be a lot of time left over to steal away to do an hour of yoga let alone drive there and back AND grab a shower.

How do I get to be a “yogi?” I want zen, I want to feel peaceful and I want to stop feeling like I’m burning the candle at both ends. Surely, I also want to stop being angry in traffic, stop yelling at my kids, and hey, I sure would like to reconnect with my partner, too.

At the end of the busy workday, when you’re done with 9-5 (or more!), errands, making something edible for dinner and maybe even carving out some personal time for yourself, yoga is waiting for you.

Many individuals don’t consider themselves to be a “yogi” whether it be due to a lack of participation, a lack of flexibility or perhaps a lack of accessibility. Yoga roots in India lead by spiritual leaders with decades of practice can often seem daunting and an unknown world. Mainstream life gets busy, but you know what?

Yoga doesn’t care about anything but …….YOU.

Yoga doesn’t care what you wear, to practice. Lululemon? Yoga doesn’t care!

Yoga doesn’t care if you go to a studio, the floor of your home, a local park or even the beach.

Yoga is….you.

Yoga is your mindset.

Yoga is every fiber of your being.

Yoga is the 5 minutes of gratitude that you carve out for yourself before your day starts.

Yoga is sitting in your car before going into that big meeting or that double shift and closing your eyes to thank a power higher than yourself for the opportunity to try to serve, to learn and to grow.

Yoga is getting into a car accident and not screaming at the other party but rather asking them if they are ok?

Yoga is thanking your partner, friend or children for the smallest of things that they do with zero expectations that they will do more tomorrow or repeat their actions again.

Yoga is about looking at the glass half full not half empty.

Yoga is gratitude.

Yoga is love.

Yoga is trust.

Yoga is life sustaining breath.

Yoga is compassion.

Yoga is about stating what you “get” to do today instead of what you “have” to do.

Food shopping? I get to do it. Laundry? I’m grateful for clean, warm dry clothes to wear each day. Breakup? My destiny is coming. Better things are happening in my life.

Yoga is a re-programming and unlearning of everything you were told to be true.

Yoga is always there for you, if you wish to see it as such.

Lonely? Go to yoga.

Happy? Go to yoga.

When you go to yoga, you think the best of everyone and everything with zero expectations of reciprocation.

Yoga sets you free, your thoughts, your preconceived notions and everything you were told to be true.

Yoga allows you to see the best in everyone and everything.

Consider……going to yoga.

The collective yoga mindset of each of us might just change the world; you never know.

Laurie K Zadeh
Director of New Business Development
www.MedwellSpa.com

Elder Law Attorney, Christopher M. Petillo

Here’s the story of a fellow Long Islander, Christopher M. Petillo, who is an experienced elder law attorney:

Tell us why you chose elder care law?
(as told by Christopher M. Petillo, Esq, CPA, CELA – Elder Law Attorney)
Growing up, my grandparents lived under the same roof.  Aging, and the challenges associated with aging in place, were real life problems that our family faced daily.  My parents and grandparents were not aware of what benefits were out there that could have made that time easier for them. 

Tell us about your practice:
I am Certified as an Elder Law Attorney (“CELA”) by the National Elder Law Foundation as accredited by the American Bar Association.  Some of the areas I specialize in are:

  • Elder Law
  • Estate Planning
  • Planning to Reduce/Avoid Estate & Gift Taxes
  • Planning for a Family Member with Special Needs (to protect SSI and Medicaid benefits
  • Planning to Avoid or Reduce Estate Taxes
  • Trusts to Avoid Probate
  • Irrevocable Trusts to protect assets for Medicaid purposes in the event that Long Term Care is needed
  • Wills
  • Decision Making Documents (Financial Power of Attorney, Health Care Proxy Living Will (for end of life instructions)
  • Medicaid Applications (Nursing Home, Home Care, certain assisted living programs)

What is one thing you are known for over your competitors?

I offer Zoom appointments, in-person meetings and even house calls.
I pride myself on being able to use analytical skills to help craft a plan that meets the needs of clients in an ever-changing world.
Taking the time to understand the facts and circumstances is very important – it can dramatically impact which planning tool works best for achieving the client’s goals.
I am also a CPA, so I am sensitive to tax issues that may arise in planning.

Has your business won any awards? 
I was voted one of New York’s “SuperLawyers” in New York Super Lawyers — Metro Edition (Fall 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019 and 2020).

What is the biggest “win” in your practice’s history? 
I went to a charity golf outing (I do not golf often – if you look closely at the trophy in my office, it reads “Westbury Senior Citizen Outing – Highest Score” which, in golf, is not good lol)
At the meeting, a gentleman sat next to me and asked what I did for a living.  I told him, and he said “my aunt in a nursing home right now.” 
I asked, “Is she on Medicaid?”
“No – she is privately paying for it!”
“How much is that costing her?”
“$17,000 per month!”
“Does she have Long Term Care Insurance?”
“No – she sold her house and that $ is being eaten up every month.  We were told there’s nothing we could do because of the 5 year rule.”
“Come to my office tomorrow.”
Long story short – we helped save half of his aunt’s nest egg so that $ was available for private duty nurses and any other expenses to make her life better, while giving her a chance to make a gift of a portion of her life savings, if she so intended.

What would you want potential clients to know about your practice that they may not know already?
I am not a “hard sell” – I share information with my clients at the consultation on what I believe will be best help.  I give them a chance to absorb it all without sales pressure. 
I may have had a similar experience to what you are facing today.  My mother was in need of home care for 6 years before her care needs rose to the level of needing nursing home care for the last 2 years of her life.  Long Island nursing homes like the one she was in can cost $17,000 per MONTH.  I would like to help you plan in advance before such a care need arises.  But, if a crisis is upon us, we can still make the best of the situation – it’s never too late to protect something.  All is not lost, nor does it have to be.



Thanks Christopher!


Christopher M. Petillo, Esq, CPA, CELA – Elder Law Attorney
cpetillo@fkmlaw.com        
631-231-1450 ext 315
Paralegal, Jennifer Merolla: jmerolla@fkmlaw.com

“It’s not for you. It’s for them.”

“It’s not for you. It’s for them.”

Yes, as there is truth behind this statement, the problem is 95% of the people I have helped set up a customized “Life Insurance “ plan have no idea how much they can benefit “For themself” not just for their families or loved ones. So many have the perception that life insurance is only there if you God forbid passed away before life expectancy, your loved ones will be left with a sum of Tax-Free money. What most don’t realize is if you do not pass away young, these plans can be one of the best sources of retirement because all the money inside the cash value of a whole life, universal life or variable life insurance grows tax-free over the life of the policy. So you essentially can kill two birds 🐦🐦 with one stone ☄️, Protection for your family or a loved one while saving for your retirement. These plans are very complex and a lot more details go into design one, let’s discuss your options on how to design a plan that suits you and your needs best.

Now more than ever should be an eye-opener to have protection. As of today, 23,649 deaths have been confirmed of the COVID-19 virus. Think about how many families will be financially affected by the loss of a partner’s income they no longer have for bills and life.

Greg Scheinberg
The Integrated

Contact Greg Scheinberg