Palmetto Bluff 2024 Listing Presentation

Page 1

SELLING YOUR PROPERTY


Whether it’s because you’re

DOWNSIZING

or UPSIZING

or for any reason in between, let us help you sell your home.

We’re here to get it done. Our dedicated team of Sales Executives, full-service support staff, and in-house marketing agency invest 100% of our time and resources solely on Palmetto Bluff properties. Our 20+ year history of introducing the beauty of the Bluff to discerning buyers has made us the pricing and market experts for the community. Ready? Great. So are we.


PA L M ET T O P R I D E . Why list with us? Palmetto Bluff Real Estate Company’s unprecedented knowledge of the community and its wealth of lifestyle offerings is built upon over two decades of knowing what works. We feel extremely fortunate to represent such a magnificent community and take great pride in what separates us from competing firms. A DEDICATED team of 25+ focused exclusively on Palmetto Bluff real estate The only ON-PROPERTY sales office in the heart of Palmetto Bluff to intercept buyers

We have been involved in over

$1 BILLION IN SALES solely in Palmetto Bluff over the last five years We INVEST MILLIONS of dollars marketing your listings Our team has EXCLUSIVE ACCESS to show the Palmetto Bluff Club We are the only firm granted MARKETING ACCESS to guests of Montage Palmetto Bluff

We are at the forefront of the latest DEVELOPMENT NEWS and updates We are the only firm REINVESTING DOLLARS into the community and the amenities you enjoy

In 2023, Palmetto Bluff Real Estate Company was involved in

$216.3M of real estate sales. (includes closed & pending sales)



WE KNOW THE BLUFF. Our on-site sales office in Wilson Village means we are located where the buyers are, resulting in more property sales.

We focus exclusively on Palmetto Bluff real estate sales, so we’re way ahead of the curve in knowing: Which segments of the market are trending up. What listings may be on the market soon.

In 2023, Palmetto Bluff Real Estate Company was involved in

68%

The best pricing strategy for a property relative to what else is available in the community. Upcoming development plans that could coincide with a strategic listing date and price for you.

of all closed and pending community sales.

In short, we know how to price your property, when to list, and how to bring the best buyer.


WE’RE THE KEY TO THE CLUB… Palmetto Bluff Real Estate Company is the only real estate firm with access to the private Palmetto Bluff Club and its memberships, programs, and amenities that interest buyers. We have close relationships with the professionals who manage the Club and can ensure accurate and timely responses to questions from potential buyers. With this advantage, we can sell the social, golf, and sporting lifestyle the Club affords first-hand.


…AND THE KEY TO A FIVE-STAR SETTING. Thanks to South Street Partners’ ownership of the Montage Palmetto Bluff, Palmetto Bluff Real Estate Company and our clients benefit from unparalleled access to this acclaimed resort and its guests. Our real estate sales desk in the resort’s Discovery Center grants us direct contact with resort guests, and we maintain and foster these relationships well beyond their stay at the Bluff. Additionally, our marketing materials can be found in every room, suite, and cottage, while our current listings are displayed within the hotel. This close relationship allows us to market your listing to a highly engaged audience, provide exceptional on-property experiences for potential buyers, and curate more qualified buyers.

In 2023,

30% of Palmetto Bluff Real Estate Company sales originated from a stay at Montage Palmetto Bluff.



SUCCESS, BY THE NUMBERS. Palmetto Bluff Real Estate Company brought in 4 times more buyers than our next closest competitor. Palmetto Bluff 2023 Closed Volume

9%

2% 2%

12%

In 2023,

15%

61%

Palmetto Bluff Real Estate Company sold

3.5 times more homes in Palmetto Bluff than any other real estate firm.

Palmetto Bluff Real Estate Company: 61% Firm A: 15% Firm B: 9% Private: 2%

Firm C: 2% Other: 12%

Palmetto Bluff Real Estate Company has successfully brought over 2,500 Bluff property buyers to the closing table during our 23-year history for more than $2 billion in sales.


OUR CURATED CLIENTELE. Through thoughtful and strategic marketing efforts, we are able to market your listing(s) to only qualified, interested buyers, pulling from our database of over 92,000 individuals. Palmetto Bluff Real Estate Company 2023 New Lead Sources

2,089 total new leads in 2023

2% 6%

4%

Digital Marketing

48%

5%

palmettobluff.com

27%

Montage Palmetto Bluff

10%

Referrals

6%

Community

5%

Print Advertising

4%

Other

2%

10% 48% 27%

Most importantly, the intangible relationships with our property owners provide a robust source of referrals and new buyers.

We know Palmetto Bluff buyers and where they are coming from

Closed Volume Total

> $50,000,000 > $20,000,000 > $10,000,000 > $1,000,000 < $1,000,000

Map reflects Palmetto Bluff buyers from 2019 - 2023.


OUR POWERFUL MARKETING MUSCLE. We believe in research. We do the groundwork to define and target your property’s best prospects: where they live, what they do, their household net worth, and their home and lifestyle preferences. Our cutting-edge database systems track and report on leads and buyer profiles and our marketing experts introduce those qualified to the benefits of ownership at Palmetto Bluff. Our marketing team consists of: Award-winning creative professionals Nationally renowned branding and marketing firm National PR firm working with affluent media Digital marketing and advertising agency to assist with generating qualified buyers

the bluff

LIVING

KITCHEN

+

BATH

Fall / Winter 2023

BONUS ROOM ELIZABETH REYNOLDS INTERIORS

When repeat clients called upon Elizabeth Reynolds to help complete their newly built house in Palmetto Bluff, South Carolina, the designer was presented with a unique challenge: The room adjacent to the main kitchen didn’t yet have a dedicated function, and the family of five needed some guidance on how best to use the space. How does this room function? This area does everything from serving as a mudroom and laundry room to a working kitchen and bar area. The wife bakes and the husband cooks, so they each have their own zone with the necessary storage. Sounds like a real workhorse! What is packed in here? There’s storage for entertaining essentials, a dishwasher, sink, wall ovens, wine fridge, glass bar cabinet, shoe cubbies by the door, laundry hidden in the island, and pullout shelves to air-dry items that are concealed by metal-mesh doors.

THE WALL STREET JOURNAL.

MANSION

Mr. Bostwick’s English Tudor sits on 2.3 acres. He added a ¼-mile mulched walking trail and planted a crossvine on the front of the house with tubular flowers to attract hummingbirds.

Ontario, Canada

His biggest birdhouses sell for

Spends

$145$220

.

$2,200

ly

Continued from page M1 like native landscaping and windows to maximize views of the outdoors. At his home near Atlanta, an 8,000-square-foot English Tudor on 2.3 acres, he added a ¼mile mulched walking trail and planted a crossvine on the front of the house with tubular flowers to attract hummingbirds. The circa-2006 house, which he plans to list for $3.2 million, has six bedrooms, a billiards room and a climbing room. Outside, there is a pool, putting green, several bird feeders and a bird bath. “Birds will drink from the swimming pool,” he said, “but most people probably don’t like to think about that.” Birding has long been a hobby for nature lovers, but the pursuit has recently gone more mainstream—boosted by the rise of ecotourism and the surging interest in a safe and relaxing pastime during the pandemic, along with user-friendly apps that bird lovers can use to record and track different species. Now, some enthusiastic hobbyists are springing for landscape redesigns, specialty bird food and high-tech bird feeders to attract and photograph feathered visitors. In addition to his own home, Mr. Bostwick recently designed and built a $4 million house in Palmetto Bluff, a luxury gated community in Bluffton, S.C., with bird watching in mind. Although there was space on the 0.4-acre lot for a larger home, Mr. Bostwick built a relatively modest, 2,700-square-foot house with four bedrooms to avoid cutting down trees, a natural bird habitat. The house is also long and narrow to accommodate more windows, and there is a long porch that faces a marsh, an environment that attracts sandpipers, herons and egrets. “One of the things that attracted me [to the project] was the variety of potential birds that could be on that site,” he said. In 2016, there were about 45 million bird watchers nationwide, according to the most recent data available from the U.S. Fish and Wildlife Service. Birders spent nearly $29 billion on birding equipment that year, the data showed. Since then, some anecdotal evidence indicates that the number of birders has skyrocketed, especially since the pandemic. In the months after the initial lockdowns, downloads of the National Audubon Society’s bird identification app doubled compared with the same period a year earlier, the group said. In 2022, the American Birding Association’s podcast was downloaded more than 605,000 times, up more than 75% from 2020. “It’s been a crazy ride,” said Michelle Mohilef, who, in 2011 launched Pacific Bird & Supply Co., a Los Angeles-based bird-food manufacturer, with her sister, Danielle Mohilef. “It sounds like this obscure hobby—but it’s really not,” she said. Backyard birders are known to spend anywhere from $5 for a bag of bird seed to hundreds of dollars on high-quality food, feeders and other accessories, said Danielle Mohilef, who has 10 to 12 feeders in her own yard. “People treat their backyard birds like pets,” she said. John Looser, 58, a former home builder in Ontario, Canada, said he has been building “extreme birdhouses” for about 20 years— some with hundreds of rooms and Victorian-style architectural flourishes. He started building birdhouses after injuries forced him to retire from construction but found it was a relaxing pastime. Using reclaimed barn wood and new cedar, he estimated that he has completed around 5,000 houses, the biggest of which are 9-feet wide by 9-feet tall and weigh 500 pounds. Mr. Looser has sold his biggest birdhouses for $2,200 each. He currently has 30 birdhouses that attract throngs of birds—and busloads of tourists. “When you drive by you can’t mistake what you see. It just doesn’t look like everybody else’s property,” said Mr. Looser, who said he goes through about 100 pounds of bird food a week, which costs him $145 to $220 a month. In the Hamptons, landscape architect Melissa Reavis of Hollander Design said she’s installed luxurious water features for clients who want to attract more birds to their property. “Migrating birds are attracted to the sound of

Atlanta List price: $3.2 million

a month on bird food.

John Looser, a former home builder, said he has been building ‘extreme birdhouses’ for about 20 years—some with hundreds of rooms.

CLOCKWISE, FROM TOP LEFT: KENDRICK BRANDON FOR THE WALL STREET JOURNAL (2); CHARLIE BOSTWICK (2, INTERIORS); JOHN LOOSER (2); NEIL LANDINO; JENNELLE FONG FOR THE WALL STREET JOURNAL (3); CHANCE YEH/GETTY IMAGES (HARRIS)

Houses for The Birds

n- F co o m rp m er er s ci on al a us l, e on

The cabinetry in this Palmetto Bluff, South Carolina, space by Elizabeth Reynolds is painted Sherwin-Williams’ Byte Blue. The floor tile is Mirth Studio and the island curtain fabric concealing a washer and dryer is from Thibaut.

LUXESOURCE.COM

For personal, non-commercial use only. Do not edit, alter or reproduce. For commercial reproduction or distribution, contact Dow Jones Reprints & Licensing at (800) 843-0008 or www.djreprints.com.

M18 | Friday, March 24, 2023

photo: brie williams.

Tell us about the inspiration behind the color and pattern choices. The clients wanted to have fun with color and create a happy space. A palette inspired by the sky, dark-blue water, and crisp green grass felt so specific to this locale. We chose non-murky, clear hues and customized the floor tiles to match. Both the subway tile and the lighting lend a turn-of-the-20 th -century vibe, and the glass-front bar cabinet breaks up the cabinetry. elizabethreynoldsinteriors.com

Through mindful placement in prestige publications, we introduce highly qualified potential buyers to Palmetto Bluff and your home. We recognize that exposing Palmetto Bluff to a broad base of national, regional, and local buyers is a necessary first step toward producing results. Our team of full-time marketing professionals leverages an annual marketing budget of nearly $1.5 million to create awareness of Palmetto Bluff, which drives buyers to your property. No other firm has the far reach that we do. East Hampton, N.Y.

Neil Patrick Harris and David Burtka installed a water feature at their Hamptons home to attract birds.

no

Beverly Hills, Calif. Purchase price in 1985: $750,000

Water features can range from

$25,000 to $250,000

About

20

bird boxes

3

seed feeders

4

mealworm feeders

15

hummingbird feeders

70 lbs.

sugar a month

water,” she said. “The birds will drop down out of the sky if they hear the sound of water.” Ms. Reavis said two of her clients, actor Neil Patrick Harris and his husband, chef David Burtka, who have a home in East Hampton, N.Y., installed a 10-foot-wide circular reflecting pool for birds, which were already drawn to their property by an existing vegetable garden and orchard. “It’s teeming with birds,” she said of the reflecting pool. “So much so that we originally put fish in it, and they were all immediately eaten.” Ms. Reavis said the cost of adding a water feature can vary wildly, and Hollander has done projects for $25,000 to $250,000. For Beverly Hills environmentalist Susan Gottlieb, native plants, insects and birds have become a virtuous cycle. Ms. Gottlieb, 81, said she grew up without running water in Canada’s mining country and had always been mindful of

her water usage. When she and her husband, Dan Gottlieb, 82, a real-estate investor, bought a Midcentury Modern house in Beverly Hills in 1985, Ms. Gottlieb said she began planting drought-tolerant and native plants on the 1-acre property to conserve water. Because native plants harbor insects, they attracted birds and Ms. Gottlieb—who watched her mother feed birds as a child—said she added one bird feeder after another to entice them further. Now, the Gottliebs’ garden is a local landmark with close to 20 bird boxes, three seed feeders, four mealworm feeders and around 15 hummingbird feeders. Ms. Gottlieb said she goes through about 70 pounds of sugar a month making hummingbird nectar. At roughly $6.50 for a 10pound bag, that adds up to $546 a year. Over the years, the Gottliebs have opened their garden to visitors and hummingbird researchers

Susan Gottlieb created a native garden for birds that is open to visitors and bird researchers.

from the University of California, Davis. Ms. Gottlieb has also published four coffee table books about the couple’s native garden. “I’m on a mission to get people to understand the importance of native plants and conserving our heritage and our wildlife,” she said. In 2019, the Gottliebs—who bought their 3,400-square-foot home for $750,000 nearly four decades ago—paid $18 million for a roughly 11,000-square-foot house across the street, records show. Ms. Gottlieb said they currently rent it out. Scott Logan, a naturalist and photographer who works with Ms. Gottlieb to document birds and other wildlife in her garden, said he uses broadcast-quality video and digital SLR camera traps, which are triggered by movement to take pictures. He installed them throughout the garden, mounted on tripods camouflaged by branches that are secured with zip ties. Each camera is also cov-

ered with wood painted to blend in with the environment. In Los Angeles, anesthesiologist Carole Turek found she could get a direct shot of her 16 hummingbird feeders by mounting a security camera to the wall of her 1,200-square-foot balcony, which overlooks Laurel Canyon. “Hummingbirds a mile away can see my feeders,” said Dr. Turek, 75, who paid $680,000 for her three-bedroom condo in 2009, records show. Dr. Turek, who streams video footage of her birds on YouTube, said she goes through about 100 pounds of sugar a week during the busy season. She typically buys 200 to 250 pounds of sugar at a time, paying about $1 per pound in 50-pound bags. “Those feeders never run dry,” she said. Since she first started feeding hummingbirds more than 30 years ago, Dr. Turek said her obsession with birds has only grown, and she now travels to Central and


WE KNOW WHAT WORKS. Selling property at Palmetto Bluff begins with selling the Bluff itself. Few brokers outside of Palmetto Bluff possess the necessary knowledge to sell the community’s lifestyle and guide buyers through our unique sales process. Most lack familiarity with the intricacies and nuances of Palmetto Bluff, including the Palmetto Bluff Club’s structure, various associations and regimes, Design Review Board guidelines, and other practices implemented to preserve the community’s property values. Consequently, outside firms struggle to convey the value of Palmetto Bluff and potential homeownership.

Palmetto Bluff properties sell for a higher price when listed through us.

98.6%

93.5%

96.3%

91.2% In 2023,

PBREC

Outside Firm

Resale Homes Close Price to List Price

PBREC

Outside Firm

Resale Homesites Close Price to List Price

By conducting a professional market analysis for each property, Palmetto Bluff Real Estate Company achieves a higher average list-to-close price percentage than any other firm selling in the community across all property types. For a $2.5M home listed in Palmetto Bluff, our company typically closes the home for $125K closer to the list price than our competitors. We offer sellers a comprehensive understanding of market conditions and the competitive landscape, which enables us to provide thoughtful recommendations for listing price ranges and strategies based on our formal findings.

Less than

1% of outside agents in the Bluffton/Hilton Head MLS have sold property in Palmetto Bluff.

Palmetto Bluff Real Estate Company’s home and homesite listings sold

5.1% closer to the asking price than our competitors.



PROMOTING YOUR PROPERTY ACROSS ALL PLATFORMS. Year after year, we invest millions of dollars in marketing Palmetto Bluff, which results in maximum exposure for the community and our listings. Strategies include listings on third-party websites like privatecommunities.com and WSJ’s mansionglobal.com, direct mail postcards, email marketing, and social media, as well as open houses and home tours to ensure you are getting the most exposure for your home.

FOR RESIDENTS, THERE'S NO CHECKOUT

time Palmetto Bluff, located at the heart of the Lowcountry, is a community unlike any that has come before: a vibrant residential and recreational preserve comprising 20,000 acres and 32 miles of riverfront. From close-knit cottages to grand estates canopied by live oaks, there is a home for you here.

MORE THAN A 32 Red Knot Road $2,400,000

18 Flicker Street $4,495,000

VIEW: LAKE | SQ FT: 3,250 | BEDS: 4

VIEW: WATERTRAIL | SQ FT: 4,237 | BEDS: 4

99 Game Land Road $1,849,000

PLACE...IT'S A 273 Davies Road

calling

9 Flicker Street $2,995,000

VIEW: PARK | SQ FT: 3,003 | BEDS: 4

$5,650,000

VIEW: MARSH | SQ FT: 6,850 | BEDS: 6

123 August Lane $4,899,000

VIEW: WOODS | SQ FT: 3,826 | BEDS: 4

BACK

VIEW: PARK | SQ FT: 3,135 | BEDS: 4

Any artist renderings above are for conceptual purpose only. Please confirm all landscape, material, color, and architectural selections with the builder.

COME SEE US

|

1 9 V I L L AG E PA R K S Q UA R E

|

W I L S O N V I L L AG E

32 R ED K NO T ROA D Fr iday, December 29 | 1 - 4pm

Palmetto Bluff, located at the heart of the Lowcountry, is a community unlike any that has come before: a vibrant residential and recreational preserve comprising 20,000 acres and 32 miles of riverfront. From close-knit cottages to grand estates canopied by live oaks, there is a home for you here.

Light refreshments will be served. Inspired by historic Beaufort architecture, this five-bedroom, four-and-one-half bath

FRONT 32 Red Knot Road $2,400,000

18 Flicker Street $4,495,000

273 Davies Road $5,650,000

VIEW: LAKE | SQ FT: 3,250 | BEDS: 4

VIEW: WATERTRAIL | SQ FT: 4,237 | BEDS: 4

VIEW: MARSH | SQ FT: 6,850 | BEDS: 6

home in the River Road neighborhood features authentic Lowcountry details such as a metal roof, exposed rafter tails,

OPEN HOUSE 3 2 R E D K N OT R OA D | R I V E R R OA D

a tabby foundation, and a functional floor plan with open-plan living, ensuite bedrooms, flex space, and multiple porches.

LISTED BY 99 Game Land Road $1,849,000

9 Flicker Street $2,995,000

123 August Lane $4,899,000

VIEW: PARK | SQ FT: 3,003 | BEDS: 4

VIEW: WOODS | SQ FT: 3,826 | BEDS: 4

VIEW: PARK | SQ FT: 3,135 | BEDS: 4

Bryan Byrne

Broker-In-Charge, Palmetto Bluff Real Estate Company

Any artist renderings above are for conceptual purpose only. Please confirm all landscape, material, color, and architectural selections with the builder.

COME SEE US

|

1 9 V I L L AG E PA R K S Q UA R E

|

W I L S O N V I L L AG E

843.706.6414 bbyrne@palmettobluff.com

32 R ED K NO T ROA D

Join us for an exclusive look at an incredible Fr iday, December 29 | 1 - 4pm new Palmetto Bluff home by Front Light Builders. Light refreshments will be served. Inspired by historic Beaufort architecture, this five-bedroom, four-and-one-half bath

OPEN HOUSE 3 2 R E D K N OT R OA D | R I V E R R OA D

home in the River Road neighborhood features authentic Lowcountry details such as a metal roof, exposed rafter tails, a tabby foundation, and a functional floor plan with open-plan living, ensuite bedrooms, flex space, and multiple porches.

LISTED BY

Bryan Byrne

Broker-In-Charge, Palmetto Bluff Real Estate Company 843.706.6414 bbyrne@palmettobluff.com

Join us for an exclusive look at an incredible new Palmetto Bluff home by Front Light Builders.


YOUR PROPERTY WILL SHINE WITH US. Our full-time digital marketing team brings years of experience to promoting Palmetto Bluff properties, both online and throughout the community in strategically identified locations that are highly trafficked by residents, Montage guests, and visitors.

We showcase our online listings with: Professional photography, including drone and twilight shoots High-quality professional property videos Descriptions by our professional copywriter State-of-the-art floor plans Listing display advertising and retargeting

Our aggressive search engine marketing initiatives and organic search strategies ensure Palmetto Bluff Real Estate Company receives prominent exposure in search results, driving traffic to our website and your listing.


YOUR HOME…IN PLAIN SITE. We give your property maximum digital exposure through a variety of popular real estate websites. Our resale listings are found daily on sites including Zillow, Trulia, WSJ.com, and Realtor.com. This grants your property exposure to hundreds more real estate websites across the globe like HomeFinder, Homes.com, and even Juwai.com, a well-trafficked website in Asia. We promote Palmetto Bluff Real Estate Company listings to our highly engaged social media audience of 81,000+ subscribers across multiple platforms. In 2023, our social media content cumulatively reached 715,000+ unique users. And we own the #1 domain for the Bluff - www.palmettobluff.com - which exposes your property to 45,000 new visitors on average each month and is used by more potential buyers than any other online source.

In 2023,

540,000+ new users visited palmettobluff.com


WHAT OUR CLIENTS ARE SAYING. Our team takes pride in the relationships built with clients on a national and international level.

“We have worked with Palmetto Bluff Real Estate Company on purchasing and selling three Palmetto Bluff properties over the years, and we can’t say enough positive things about the team. Palmetto Bluff Real Estate Company’s deep relationships within the community give them unparalleled insight into the Palmetto Bluff market.”

“We have trusted Palmetto Bluff Real Estate

“Palmetto Bluff Real Estate Company’s

Company with three real estate transactions.

extensive knowledge, insight, and experience

Upon meeting the team, we knew we could

earned our trust and gave us the comfort and

trust them to understand our family’s needs

confidence to build our dream home in

for our home and environment.”

Palmetto Bluff — twice!”

“My family and I have had the pleasure of working with Palmetto Bluff Real Estate Company for the purchase of two homes and one lot. Having worked with real estate agents throughout the Southeast, I can say that Palmetto Bluff Real Estate Company is the best. Their attention to detail is unmatched, and dedication to their clients is superior.”

In 2023,

one out of every four prospects that toured with a Palmetto Bluff Real Estate Company agent purchased.


LET’S TALK. For over two decades, we’ve helped countless Palmetto Bluff property owners to command the highest possible price for their listing, and our dedicated team has been involved in over $1 billion in sales over the last five years. We take great pride in representing this magnificent community as the only on-property sales office in Palmetto Bluff. Located in the heart of Wilson Village, our experienced sales associates are here to help you. Now it’s your turn. Let’s talk. Let’s act. Let’s sell your property.

Throughout our 23-year history, Palmetto Bluff Real Estate Company has been involved in total sales exceeding

$2 billion.

Palmetto Bluff Real Estate Company from left to right: Jim Staton, Amanda Cutrer, Martin Roache, W. Bryan Byrne (Broker-in-Charge), Tracy Schyberg, and Jeff Quinn


843.749.8474 palmettobluff.com


EXCLUSIVELY FOCUSED ON PALMETTO BLUFF SALES For Over 23 Years

19 V I L L A G E P A R K S Q U A R E | B L U F F T O N , S O U T H C A R O L I N A P A L M E T T O B L U F F . C O M | 8 43 .7 49 .8 47 4 This is not a solicitation. Obtain the Property Report required by Federal Law and read it before signing anything. No Federal or State agency has endorsed or judged the merits or values, if any, of this property. This is not intended to be an offer to sell nor a solicitation of offer to buy real estate in any jurisdiction where prohibited by law. This offer is made pursuant to the New York State Department of Law’s Simplified Procedure for Homeowners Associations with a De Minimis Cooperative Interest (CPS-7). The CPS-7 application (File No. H016-0007) and related documents may be obtained from the sponsor. This project is registered with the State of New Jersey Department of Banking and Insurance Real Estate Commission. Obtain and read the NJ Public Offering Statement before signing anything (NJ Reg#16-15-0012).

FEBRUARY 2024


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