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HazMat Problem at Yonkers Warehouse Fire

Yonkers firefighters were called out for smoke and fire in a beauty supply warehouse.

See story on page 4

1 Fatality in Rochester Small Plane Crash

Rochester firefighters were dispatched to the area of Maplewood Park for the report of a plane crash.

See story on page 8

Legal & Financial

A Fire News Special Section.

See story on pages 25-32

FFs Injured at Queens 2-Alarmer

Engine Company 308 and Ladder 127 arrived first-due to a fire on 1 11th Street.

See story on page 33

Richmond Hill 2-Alarmer

FDNY companies in South Richmond Hill, Queens, battled a two-alarm blaze in an attached private dwelling.

See story on page 42

4 Alarmer in South Jamaica

FDNY units in South Jamaica, Queens, battled a four-alarm blaze in a mixed occupancy building.

See story on page 45

Serving Fire & EMS Heroes Since 1973

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Reaching 17 States with 14 Editions

Long Island, New York, New Jersey, Delaware, Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont, Kentucky, Maryland, North Carolina, Ohio, Pennsylvania, S. Carolina, Virginia, Washington DC, West Virginia, and Wildwood, NJ

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page 38 Focus of the Month

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HazMat Problem at Yonkers Warehouse Fire

Yonkers firefighters were called out for smoke and fire in a beauty supply warehouse on Woodworth Avenue in Yonkers, with unknown chemicals b9urning. The smoke from the chemicals caused a several hour service disruption to Metro North Railroad’s Hudson Line and Amtrak’s Empire Service (the tracks were directly behind the building). - Fire News photos by Gary Hearn

Cover Story

Rochester Vacant Warehouse Fire Goes to 5 Alarms

Just after 2230 hours on July 31, 2025, Rochester firefighters were dispatched to the area of Dewey and Lyell avenues for a report of smoke in the area. Engine 5 found heavy smoke coming from a five-story vacant warehouse and declared a working fire, with a second alarm transmitted shortly after due to the size of the building. First arriving crews made an interior push on the building but were forced to go defensive due to a heavy fire load that was rapidly advancing throughout the structure. Third, fourth and fifth alarms were struck as firefighters worked to keep up with the flames tearing through the structure. Crews had to act fast to move rigs out of collapse zones as the building started to come down on multiple sides and exposure buildings began to catch fire. Companies continued to operate throughout the night and into the next day as the fire continued to burn and the construction companies started to come in to take down the building.

- Fire News photos by PuckStopperPhotography.com

Brooklyn 4 Alarmer

Engine Company 271 and Tower Ladder 124 were met with heavy fire in the rear of a private dwelling on Bleeker Street on August 15, 2025. The 28 Battalion transmitted a second-alarm fire for fire

extending into an exposure building. Units used five hoselines to knock down the main body of fire. The fire ultimately went to a fourth alarm. - Fire News photos by Lloyd Mitchell

1 Fatality in Rochester Small Plane Crash

In the afternoon of August 1, 2025, Rochester firefighters were dispatched to the area of Maplewood Park for the report of a plane crash. On arrival, companies found a single-prop plane which had crashed on Bridge View Drive with one person who self-extricated

from the aircraft. Firefighters, however, found one victim inside who had succumbed to their injuries.

- Fire News photos by PuckStopperPhotography.com

Letchworth Village Fire

On August 9, 2025, the Thiells Fire Department was dispatched to a reported structure fire in a building on the old Letchworth Village property off of East Stewart Circle. The complex, with numerous large buildings that have been abandoned and in disrepair for several years, was the site of a large residential facility for the mentally and physically disabled. Opened in the early 1900s, the facility closed down in 1996. Upon arrival, fire was showing from the roof of the large T-shaped multi-story building. Due to a lack of hydrants in the area, several local fire departments were requested on mutual aid to provide a water shuttle using numerous engines rotating from the nearest hydrant to a portable pond set up at the scene. Crews worked for several hours battling the fire. The fire is under investigation, and no cause has been released. One firefighter was removed to the hospital suffering from what appeared to be heat related injuries.

- Fire News photos by Kenny Flynn

FDNY Engine Company 201 and Ladder 122 transmitted a 10-75 for fire on the first floor of a three-story brownstone on 27th Street on Park Slope, Brooklyn on September 1, 2025. The two-alarm fire

extended to the second floor and left seven firefighters hurt.

- Fire News photos by Lloyd Mitchell

Apartment Building Complete Loss

Clifton Park, Halfmoon, West Crescent, Hillcrest and Boght were dispatched to a three-alarm structure fire on August 30, 2025. The London Square Apartment Complex’s second floor was completely engulfed upon arrival. The departments fought with water problems due to the fire hydrants recently being painted preventing them from being opened. Crew fought from three sides to help extinguish the fire. Handlines were brought in where the ladder

trucks could not reach. Falling debris set off small fires along the ground area which added to the firefighter’s battle. Jonesville was brought in for rehab. Additional departments were brought in as cover departments. It took over three hours to bring the fire under control. Dozens of people were displaced and the building was a complete loss. - Submitted by Lori Washburn; Photos by Truck

Plant Fire on Kill Buck Road

On August 16, 2025, the Kill Buck Volunteer Fire Department was dispatched to a reported structure fire at the old Donver plant on Kill Buck Road. Numerous mutual aid fire departments responded including the City of Salamanca and volunteer fire departments from Great Valley, Ellicottville, Limestone, Allegany, Seneca Nation and Little Valley. Firefighters were on scene for over two hours and no injuries were reported. The cause of the fire was under investigation. - Fire News photos by Jay. K. Bradish

Stanford Hts. Car Show Fundraiser

Stanford Heights Fire Department held a car show as a fundraiser to help restore their newly acquired antique fire engine. Close to 100 cars and dozens of motorcycles entered the show hoping to bring

home a trophy. The variety of new and antique cars were amazing to view as proud owners were happy to share stories of their vehicles. - Submitted by Lori Washburn; Photos by

Truck

National Night Out in Newburgh

National

by the Town of Newburgh Police, Town of Newburgh Emergency Services, Winona Lake Engine Company, Orange Lake Fire Department and the Goodwill Fire Department. The cooking was done by the Town of Gilbert Police epartment and Middle Hope Fire Department.

- Fire News photos by Vinnie Dominick

Night Out was hosted

4-Alarmer in South Jamaica

FDNY units in South Jamaica, Queens, battled a four-alarm blaze in a mixed occupancy building on Sutphin Boulevard near 115th Avenue on August 10, 2025. Heavy smoke and fire could be seen from a distance by responding companies. The bulk of the fire was on the first floor and the rear of the two-story building. - Fire News photos by FirstOnScenePhotos.com and Lloyd Mitchell

Verdoy Takes 43rd Colonie FFs Tourney

On August 15, 2025, the 43rd annual Colonie Firefighter Golf Tournament was held to benefit the Colonie Burn Fund. Gathered at the Colonie Town Golf Course, 132 firefighters battled it out for bragging rights. The day concluded with a delicious lunch by Mission BBQ, a locally run restaurant that helps support veterans and first responders. This year’s winning team was from the Verdoy Fire Department foursome consisting of father and son Dave and Ryan Leonardo, Elliot Friedman and Brian Caney. The event is not only a great fundraiser but also an opportunity for the 12 departments in the Town of Colonie to commune and have fun.

- Submitted by Lori Washburn; Photos by Truck

Cancer Fund 2nd Softball Tournament

The Schenectady Firefighters Cancer Fund held its 2nd annual softball tournament, recently. With the temperatures in the 90s the teams battled it out for chance to bring home the trophy. The teams consisted of Schenectady FD Colonie Village FD, Best Fitness, Mohawk Ambulance Service, Albany FD and KAPL (Knolls Atomic Power Laboratory) Firefighter Softball team. The event included raffles, bounce houses and a food truck. The funds raised help support firefighters and their families as they battle cancer. This year the first ball was thrown out by PJ Breslin who just defeated cancer. At the end of the tournament, KAPL Firefighter Softball team claimed the trophy as the winner. It was a great day for everyone and a spectacular fundraiser.

- Submitted by Lori Washburn;

Photos by Truck

EMS ACROSS NEW YORK STATE

NYSDOH Organizes First-Ever Mental Health and Wellness Symposium for Emergency Medical Services

More Than 200 EMS Personnel from Across New York Attended

The New York State Department of Health’s Division of State Emergency Medical Services welcomed more than 200 professionals from across the State for the first-ever New York State EMS Mental Health and Wellness Symposium. The groundbreaking event focused on strengthening mental health and emotional well-being in the EMS profession.

The symposium provided a full day of presentations and peer-topeer learning opportunities, opening with remarks from Division of State Emergency Medical Services Director Ryan Greenberg.

“The overwhelming response to this symposium shows how ready our EMS community is to make mental health a priority,” Greenberg said. “These conversations are no longer optional; they are essential to the future of our profession.”

“The overwhelming response to this symposium shows how ready our EMS community is to make mental health a priority,” - Chief Ryan Greenberg, NYS EMS Director

The recent seminar featured a series of sessions from leading experts, including James Boomhower, a nationally recognized critical care paramedic and mental health advocate. His presentations explored the realistic challenges of maintaining resilience in highstress environments and the myths surrounding modern wellness ideals.

Mental Health Association Director of Training Katie Oldakowski introduced participants to the Helping Every Responder Overcome (HERO) Program. The proactive, peer-based initiative focuses on equipping first responders with tools to build resilience and manage trauma before critical stress incidents occur.

The program also featured Port Jefferson EMS Deputy Chief Michael Presta who was accompanied by Huck, the squad’s emergency response canine. Presta shared insights on how facility dogs can play a meaningful role in supporting EMS providers and building a healthier agency culture. Their presentation underscored the growing interest in creative, compassionate approaches to emotional support in emergency services.

The new EMS Mental Health and Wellness Fellowship Program was also unveiled during the symposium. This one-year initiative will empower 20 emergency providers across the state to become local champions of mental health and wellness for EMS professionals.

The day concluded with a panel discussion about the CARES UP initiative, a suicide prevention and wellness program led by the New York State Office of Mental Health. Panelists shared powerful examples of how EMS agencies and uniformed personnel organizations are creating sustainable models for peer support, stigma reduction and trauma-informed leadership.

For more info on Division of State EMS visit: health.ny.gov/professionals/ems. facebook.com/NYSDOH twitter.com/HealthNYGov health.ny.gov

SUPER VAC AND COMMAND LIGHT APPOINT NEW REGIONAL SALES MANAGER TO NORTHEAST TERRITORY

FORT COLLINS, Colo. — Super Vac and Command Light proudly announce the appointment of a new regional sales manager with the addition of Tom Houlihan in the Northeast region. Houlihan now represents Super Vac’s expansive lineup of ventilation equipment and Command Light’s array of scene lighting products in Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, Vermont, Virginia, Washington DC and West Virginia.

Houlihan joins Super Vac and Command Light with more than 30 years of experience in the fire service, accompanied by 20-plus years in the fire and industrial markets. Houlihan joined the fire service in 1993, rising to the rank of Lieutenant and remains a current member in Colonie, NY.

Houlihan has a special ability to cultivate relationships with distribution partners and fire departments across the region. He brings his passion for sales, marketing, education and the fire service to Super Vac and Command Light after working at Task Force Tips, Garrison Fire & Rescue and Milton CAT.

“We’re excited to see what Tom can do with his love of sales and marketing, and his passion for the fire service, to Super Vac and Command Light,” Super Vac and Command Light President Roger Weinmeister said.

Houlihan will be present at key industry events beginning with

the New Jersey State Fireman’s Convention on Sept. 12, 2025.

To view Super Vac’s full territory breakdown, visit supervac.com/sales-support. To view Command Lights’ full territory lineup, visit commandlight.com/sales-support.

About Super Vac

Super Vac is the world’s leading manufacturer in the emergency ventilation products. A one-stop shop for all things ventilation, Super Vac equips crews with a versatile array of only the toughest solutions, including the industry’s largest lineup of PPV fans, spanning from 8- to 80-inch blades, as well as smoke ejectors, available in 12-, 16-, 20- and 24-inch blades. Super Vac also manufactures rescue saws, rehab misters and other necessities.

About Command Light

Command Light, located in Fort Collins, Colo., has specialized in scene lighting for the emergency industry for more than 25 years and features only the best light towers, compact scene lighting, traffic flow boards and other safety lighting products. Command Light’s towers are available in a variety of configurations, including AC or DC, different tower bases, varying output choices and a long list of options, like backlighting to illuminate both sides of the scene

SERVICES

Term Life Insurance vs. Permanent Life Insurance: What Firefighters

Need to Know ~ LEGAL & FINANCIAL ISSUES IN THE FIRE SERVICE ~

Firefighters know the importance of protection. Every call brings risk, and just as your gear shields you on the job, life insurance shields your family. But when it comes to choosing between term life insurance and permanent life insurance, it can be difficult to make the right call. Here’s what every firefighter and fire service family should know about the two main types of life insurance, and how to decide which is best for you and your family.

Term Life Insurance: Coverage for Life’s Key Years

Term life insurance is designed to protect you during the years you need it most, usually when expenses are highest and financial responsibilities are greatest. Term Life Insurance is coverage for a specific length of time. If you pass away during that period, your family receives the benefit. After the term ends, coverage stops unless you renew, often at a higher cost. Term Life is affordable, as it provides the most coverage for the lowest cost. It also allows you to be flexible and match the policy term with major milestones, like raising children or paying off a mortgage. Term Life Insurance offers straightforward, simple premiums, with no additional savings or investment components. If you’re considering Term Life Insurance, keep in mind that coverage ends when the term ends, and it does not build cash value. For example, Term Life Insurance might be a good fit for a 35-year-old volunteer firefighter with young children and a mortgage. They might choose a 20-year term policy, and that way, the family is protected during the years when financial needs are highest.

Permanent Life Insurance:

Protection That Lasts a Lifetime

Permanent insurance is designed to be long-term coverage that stays with you for life, as long as premiums are paid. Unlike term, permanent policies (such as whole life or universal life) never expire. They also build cash value that can be borrowed against or withdrawn if needed. Permanent Life Insurance is lifetime coverage that offers peace of mind, knowing protection will always be there. It has the added benefit of having cash value, and can serve as an extra financial resource for education, retirement, or other unexpected expenses. Permanent Life Insurance also allows for legacy planning, helping you to ensure final expenses are covered and something is left behind for your loved ones. If you’re considering Permanent Life Insurance, keep in mind that premiums are higher, and some policy types can be more complex. Permanent Life Insurance might be good for, as an example, a 50-yearold career firefighter nearing retirement. It covers final expenses, provides a legacy for their family, and offers cash value as a financial cushion in retirement alongside pension or LOSAP benefits.

Why Not Both?

For many fire service families, the best answer is not “term or permanent” but a combination of both. For example, A 40-year-old volunteer captain with a mortgage and teenagers could purchase $500,000 of 20-year term insurance for immediate, affordable protection. In addition, they could purchase $50,000 of permanent life insurance to cover final expenses and provide a guaranteed legacy. This strategy balances

Understanding the Fraud Diamond: A Guide for Fire Service Personnel

Introduction

Fraud can occur in any organization, including fire districts, departments, companies, and benevolence associations. To effectively prevent and detect fraud, it’s essential to understand the underlying factors that contribute to fraudulent behavior.

One framework that helps us understand these risks is the Fraud Diamond, which expands on the traditional Fraud Triangle by adding a fourth element: capability. This article will introduce the Fraud Diamond and explain how it can lead to a higher risk of fraud when these factors are present. An introduction to the concept of the Fraud Diamond can help fire district commissioners, fire department, company, and benevolence association trustees understand factors that increase fraud risks and aid in safeguarding their assets and good community standing.

The Four Elements of the Fraud Diamond

1. Opportunity

Remember, it is almost always a person in a position of trust who perpetrates fraud. Placing too much trust in a person presents the opportunity to commit fraud. Opportunity is the element that allows fraud to occur. In the context of fire services, this could involve weak internal controls, lack of oversight, or inadequate segregation of duties. For example, if one person is responsible for approving, recording, and reconciling financial transactions, they can commit fraud without detection. Strengthening internal controls by segregating duties by overseeing and periodically auditing the activities of persons in charge of financial processes can help reduce the opportunity to perpetrate and conceal misappropriations.

2. Pressure

Pressure, or motivation, is the force that drives individuals to commit fraud. This could stem from personal financial difficulties, unrealistic performance expectations, or external pressures. In fire services, an individual might feel pressured to manipulate financial records to cover budget shortfalls or to meet funding requirements.

Pressures could also stem from personal financial pressures arising from alcohol or drug addiction, gambling losses, the loss of a job or downturns in business, and alternative lifestyle choices, including extramarital affairs. Being alert to these warning signs and understanding these issues can impact people we think we know well and consider to be close personal friends and can help mitigate some fraud risks.

3. Rationalization

Rationalization is one of the more challenging indicators to be alert to. Rationalization is the process by which individuals justify their fraudulent actions. They might convince themselves that their actions are harmless, or they deserve the extra money. In the case of gambling addiction, the perpetrator might convince themselves they are merely on a cold streak, and as soon as their luck comes back, they will repay the money.

In fire services, someone might rationalize fraud by believing that because they receive little or no pay, they are entitled to share in the district, department, or company’s resources. Even if they are paid, they could feel underpaid compared to peers and other staff, or the organization can afford the loss. Promoting a strong ethical culture and providing ethics training can help reduce the likelihood of rationalization.

4. Capability

Capability is the unique element of the Fraud Diamond that sets it

~ LEGAL & FINANCIAL ISSUES IN THE FIRE SERVICE ~

(Term Life Insurance continued from page 26)

affordability with lifelong security. Just like selecting the right gear for the job, choosing the right life insurance is about finding the right protection, fit, and cost. Term insurance is often the best choice during high-expense years, while permanent coverage provides stability for the long haul. Every firefighter’s situation is different, but taking the time to review your coverage now ensures your family will always be protected, on duty and off. If you have any questions about this article or want access to additional resources, call: Kevin Parrett, Vice President LOSAP Administration, 631-589-2929, kparrett@Hometownfirefighters.com

About the Author

~ LEGAL & FINANCIAL ISSUES IN THE FIRE SERVICE ~

The Tariff Story

One of the things Donald Trump campaigned on was if he was elected, he was going to impose what many perceived as severe tariffs on most if not all of our Global Partners. On April 2, 2025 The Trump administration true to its word, rolled out what they called Liberation Day where the USA was going to bring manufacturing back to our shores, and to retaliate against Nations that have been imposing tariffs upon our Country in an unbalanced way. With much fanfare President Trump announced huge tariffs against some of our most important and closest trading partners, including Canada, and Mexico, as well as some our largest importers such as China.

Kevin S. Parrett serves as Vice President of LOSAP Administration at the Weber Group/Hometown Firefighter and EMS Services, where he oversees client relations, financial review, and compliance for Length of Service Award Program participants. With more than 30 years in public service, Kevin’s career includes distinguished service as an NYPD detective specializing in arson and explosions, as well as decades of leadership in the West Islip Volunteer Fire Department, where he served as Chief and Training Officer. A certified Fire Investigator and licensed insurance professional, Kevin is recognized for his integrity, expertise, and lifelong dedication to public safety.

While many Economists agreed it was time for the USA to try and equalize the trade tariff imbalance, the announcement was also greeted with a lot of criticism as to the chaotic way it was rolled out. To say the stock market also didn’t like the new tariff rules is an understatement. Within 2 days the S& P 500 was down almost 10 percent, and the NASDAQ market dropped almost 20 percent in a few weeks, wiping out 2 trillion in market value. The administration recognized the turmoil it inadvertently created and decided to extend most of the new tariffs, giving countries around the world time to negotiate new deals with the USA. Not only did these announcements calm the market down and create a quick turnaround for the markets. As of September 12, 2025 the market made up all the losses it is also firmly in the black for the year. The S & P 500 is up 12.98%, and the NASDQ is up 14.1% for the year. Not only did these announcements calm the markets and create a quick turnround, as of September 12, 2025 the markets made up all the losses and are firmly in the black for the year. The S & P 500 is up 12.98%, and the NASDQ is up 14.1% for the year.

While the markets have calmed down and settled into a new normal, it is still unknown what long term damage these new tariffs have done to the economy. There are clear signs that inflation has ticked back up to almost 3%. (2.9% thru August), the job market is weakening, and overall people have less confidence in the economy and their own financial future.

With all that said most economist remain confident that the economy will continue to remain on solid ground and a recession is not anywhere on the horizon. They also point to the positive impact that tariffs have had on our national budget as the government has brought in an additional $ 88 Billion to its coffers since the tariffs were introduced. Finally, while many financial experts and the Trump administration have been clamoring for the Federal Reserve to lower interest rates, they have been reluctant to do so fearing they did not know what effect the tariffs would have on inflation. Now with the economy showing cracks the Fed is poised to lower rates at its next meeting and possibly at least one or 2 times after that. The hope is they did not wait too long to cut and the economic data will not continue to deteriorate.

Up until now this Federal Reserve has guided the economy and managed to avoid a recession thru various turbulent times, some will argue they have been too cautious and an adversary to the Trump Administration. However, they will argue their mandate is to fight inflation and to keep the economy on its tracks. Only time will tell if they got it right this time.

About the Author

Michael Hartzman, President of Lebenthal Financial Services, Inc., is a seasoned financial advisor and commentator with extensive experience in wealth management and market analysis. He brings clear insights into investing strategies and economic trends to help readers navigate today’s markets.

To learn more from Michael Hartzman, tune in to The Lebenthal Report Podcast—live on VoiceAmerica’s Business Radio every Tuesday at 5 PM EST—or download episodes wherever you get your podcasts.

Keeping Firefighters Safe & Healthy ~ LEGAL & FINANCIAL ISSUES IN THE FIRE SERVICE ~

At Fire Districts of New York Mutual Insurance Company (FDM), we deeply value the vital service you provide to your communities. We also recognize that delivering that service starts with keeping your firefighters safe and healthy.

This Summer and Fall we have developed a couple of helpful resources to reinforce firefighter safety and well-being. Two of the most frequently reported injuries our claims team sees are “slips, trips & falls” while ingress/egress from apparatus. Also, dehydration especially during warmer months. However, it does happen year-round. As daily reminders we designed two safety posters and accompanying stickers to help reinforce key safety practices within your departments:

1. “Every Call is a Climb”

Did you know that 22% of fireground injuries in 2023 were caused by falls, jumps, slips, or trips? This poster highlights important safety reminders to prevent these incidents. We encourage you to display it prominently in your truck bays and incorporate the message into your training sessions. Stickers are also included for placement on apparatus doors or windows as a visual reminder.

2. “Are You Hydrated?”

Dehydration remains a serious risk for firefighters during both emergency operations and training—especially during warmer weather. This poster outlines the signs, symptoms, and prevention tips to help your members stay properly hydrated. We’ve also included stickers featuring a urine color chart, ideal for posting in station bathrooms to promote daily awareness. Please encourage your firefighters and officers to prioritize hydration at every call and training session.

If you are a policyholder with Fire Districts of New York Mutual Insurance Company, know that we are committed to handling your VFBL or Workers’ Compensation claims professionally and efficiently. However, we would prefer to help you prevent injuries from happening in the first place. Preventing claims not only protects your most valuable asset—your people—but also helps reduce your overall insurance costs.

If you have any questions or would like additional posters or stickers, we invite you to visit us at the AFDSNY Conference, Oct. 2-3 at the Civic Center, Saratoga Springs, NY.

You can also contact Stephan Petras, FDM Marketing Representative at

spetras@fdmny.com. FDM is formed by volunteers. Owned by volunteers. In service to volunteers.

Since 1978, Fire Districts of New York Mutual Insurance Company has proudly served as New York’s premier provider of VFBL and Workers’ Compensation coverage for volunteer firefighters. Thank you for your continued trust in us and for the work you do every day.

At Fire Districts of New York Mutual Ins. Co. Roy Denny is the Executive VP and Chief Operating Officer. I have been in the insurance industry for over forty years. It is my privilege to work with professionals in collaboration with our team in claims, underwriting and marketing. I enjoy meeting and working with our brokers and policyholders to offer the best customer service and to help protect those that protect us every day. It is our mission to provide workers compensation and volunteer firefighter benefits in support of the fire service. It is our calling and our single mission.

When is the Right Time to Take Social Security Benefits?

With Americans living longer, and often times working longer, the question of when to take Social Security benefits is a major consideration.

Americans can apply for monthly Social Security benefits when they reach their full retirement age of 66 or 67, depending on the year they were born. People can also choose to take reduced Social Security benefits before they reach full retirement age, starting at age 62.

Factors such as job loss and health concerns have led many Americans to file for Social Security payments earlier than they planned. But if you have the option to delay that filing, how do you determine whether it’s the right move?

Depending on your individual situation, taking Social Security early may enable you to delay withdrawing from retirement accounts, allowing your investment return to compound on a higher dollar amount. From a mathematical point of view, taking the money early could make sense. Don't forget that the money you already have in retirement accounts has the potential to keep growing tax deferred if you’re living on Social Security benefits.

On the other hand, with increased life expectancies, outliving one's assets is a distinct possibility for some retirees. Some people believe delaying Social Security benefits helps to offset that risk.

One of the advantages of waiting is that every year you delay past your full retirement age, your benefit rises 6 to 8 percent, maxing out at age 70. This can be very tax efficient for a lot of people, and it also helps protect against post-retirement risks due to Social Security’s annual inflation adjustment. While delaying won’t work for everyone, if you’re healthy and have longevity in your family history, it may be one solution worth looking at.

In addition, if you have a spouse, it’s important to consider their income needs. These could be a big factor if they are much younger and likely to collect survivor's benefits for many years. Especially if your spouse was not in the paid labor force, your Social Security benefits could represent the lion's share of their retirement income.

Another consideration is how long you want to keep working. Employers often provide health care coverage and other benefits that can otherwise cost significantly more.

Regardless of the age you choose to retire, it is a good idea to contact Social Security in advance to see which month is best to claim benefits. In some cases, your choice of a retirement month could mean higher benefit payments for you and your family.

In deciding when to take Social Security benefits, it’s important to remember the rule of thumb that you will likely need about 80 percent of your pre-retirement income to have a comfortable retirement. Since Social Security replaces only about 40 percent of pre-retirement income for the average worker, it is important to have other income sources, such as savings and investments.

This article is provided by Nikki Haskins, a Financial Advisor at RBC Wealth Management. The information included in this article is not intended to be used as the primary basis for making investment decisions. RBC Wealth Management does not endorse this organization or publication. Consult your investment professional for additional information and guidance.

Nikki Haskins is a Financial Advisor with RBC Wealth Management, one of the largest fullservice wealth advisory firms in the U.S. Having grown up in a family of firefighters and community volunteers, Nikki is personally committed to the work of The LOSAP Group, to supporting volunteers, and the organizations that support them. Learn more about our team and our services at www.thelosapgroup.com.

Investment and insurance products offered through RBC Wealth Management are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC.

FFs Injured at Queens 2-Alarmer

Engine Company 308 and Ladder 127 arrived first-due to a fire on 111th Street on August 29, 2025. Units had heavy fire and smoke throughout a two-story private dwelling. The fire went to a second

alarm. A pair of firefighters suffered serious injuries, another part suffered minor injuries and two civilians suffered minor injuries.

- Fire News photos by Lloyd Mitchell

City of Newburgh 3-Alarmer

On August 16, 2025 at 1256 hours, the City of Newburgh Fire Department received a report of a fire on Broadway with visible flames from the first floor. As occupants climbed down using the fire escape in the front of the building. Smoke and flames were now visible from the rear of the home. Firefighters entered and located the seat of the fire at the rear of the second floor and stretched lines. A second alarm was sounded at 1258. Firefighters were greatly hampered in getting into the apartment due to hoarding conditions

that prevented the door from fully opening. The team decided to breach the common hallway and direct water through the hole onto the remaining fire. A third alarm was sounded at 1315 when the fire was brought under control and extinguished. One firefighter suffered a laceration, and six had symptoms of heat exhaustion and the Red Cross was called to assist seven residents.

- Fire News photo submitted by Robert McCormick

Meadow Hill Back-to-School Bash

Meadow Hill School held their annual back-to-school bash for the kids. Also participating were the Town of Newburgh Police, Town of Newburgh Emergency Medical, and Winona Lake Engine

Company. There was a foam machine and also vendors.

- Fire News photos by Vinnie Dominick

Operation Patriot Let's Roll 25th Annual Ride was held the September 6 weekend prior to the 24th anniversary of 9/11 (the first ride was held in 2001 shortly after the attacks of 9/11). Estimates shared with our department during the ride quoted nearly 1,400 bikes passing through the Village of Brockport (this is an “unofficial” count). The sun came out in time for the ride and blessed the riders with dry roads and fair winds. Law enforcement escorts from the New York State Police, the Monroe County Sheriff’s Office, the City of Rochester Police Department were among several of the riders who led the procession of bikes. Roads were shut down and the bikes were a welcome sight to the many people who lined parts of

Operation Patriot

the 56-mile route which started at the Port of Rochester and continued in a westerly direction until they reached Redman Road in the Town of Hamlin. They continued south into the Village of Brockport where they were greeted by firefighters from the Murray FD (Orleans County) who joined our Quint 230 in providing a patriotic welcome to all the riders who made the trek to our town. The ride passed by our 9/11 Memorial at Brockport Fire Department Station 4 before they left our village and headed back to their origin for a concert and after party at the Port of Rochester. - Story and Fire Service photo by Christopher Martin, District PIO

A Useful Gift in Colonie

Prior to the demolition of the Maywood School in Colonie, the new owners gave the town’s fire departments the opportunity to use the building for drill purposes. For various days, the departments threw ladders, ran hoses to the basement and second floors as well

as breaching walls and flowing water drills. It was an amazing opportunity for the departments to run scenarios and work as teams. - Submitted by Lori Washburn; Photos by Truck

NewtoTHEM

12th Annual Convoy for A Cause

On August 31, 2025, well over 200 vehicles participated in the Convoy for a Cause, an annual event hosted by the Fonda Fair. The the parade of about eight miles, from Fort Plain to the Fonda Fairgrounds, then around the track at the fair. Proceeds raised from the event help support local causes. This year, 100 percent of the proceeds will benefit recipients Lucas Polsinelli, Olivia Greco and Evan Wisniewski, with toys to Stuff the Bus.

- Fire News photos by Mark Perfetti

Richmond Hill 2-Alarmer

FDNY companies in South Richmond Hill, Queens, battled a twoalarm blaze in an attached private dwelling on 111th Street near 101st Avenue early on August 29, 2025. Heavy fire was pushing from several first-floor windows on arrival. Engine companies

entered to knock down the blaze while truck members searched and vented. A civilian was able to alert the residents, and it was reported that all escaped safely. Several firefighters suffered minor injuries. – Fire News photos by FirstOnScenePhotos.com

Rochester House Fire on Clifton St.

In the early morning hours of July 31, 2025, Rochester firefighters were dispatched to Clifton Street for the report of a possible fire. On arrival crews found smoke showing with fire in the rear of the home. Engine companies quickly put lines in place as truck compa-

nies worked to open the roof and conduct searches of the home. The flames were quickly knocked down.

- Fire News photos by PuckStopperPhotography.com

Mulch Fire After Heat Wave

On August 17, 2025, Maplewood, Boght, Schuyler Heights, Watervliet Arsenal, Green Island and Latham fire departments were dispatched to a local landscape/construction company for a mulch fire. After a week-high heat wave the mulch mountains was

baked. On follow day the temperatures dropped and the winds picked up causing the mounds of mulch to ignite. Each department took turns dumping their tanks onto the piles to quelch the flames. - Submitted by Lori Washburn; Photos by Truck

4 Alarmer in South Jamaica

Obituary

FDNY’s Joseph Herman

Firefighter Joseph Herman was an active Firefighter with FDNY Ladder Company 111. He had worked in the FDNY for 10 years. Joseph was involved in an MVA while off duty on August 31, 2025. He was 36 years old. He was the son of Jeff Herman, an NYPD officer killed in the line of duty in 1989 when Joey was 3 month old. The FDNY Foundation has set up a scholarship fund for firefighter Herman’s daughter, Lacy. To make a donation, please go to: https://www.fdnyfoundation.org/donate and scroll down to select the Fund – “Firefighter Joseph M. Herman Children’s Scholarship Fund.”

- Submitted by Peter Robinson; Seaford FD

(Understanding the Fraud Diamond continued from page 26)

apart from the Fraud Triangle. It refers to the individual’s technical capabilities, understanding of the process, and ability to commit fraud. This includes their position in the control system, intelligence, confidence, and ability to deal with stress. In fire services, individuals in positions of authority or those with specialized knowledge of financial systems may be able to commit and conceal fraud. Ensuring no single individual has too much control can help mitigate this risk.

Conclusion

Understanding the Fraud Diamond can help fire service personnel identify and address the factors contributing to fraud. By focusing on opportunity, pressure, rationalization, and capability, fire commissioners, fire district treasurers, and fire department trustees can implement effective measures to prevent and detect fraudulent activities. Regular training, strong internal controls, and a culture of ethics are key components in safeguarding your organization against fraud.

Robert R. Craig, Managing Partner

Craig, Fitzsimmons & Meyer, LLP - Certified Public Accountants

Bob Craig is the Managing Partner of Craig, Fitzsimmons & Meyer, LLP, and is responsible for the administration of CFM’s not-for-profit, governmental, and ERISA practice. Over his 35+ years in public practice, Bob has developed a comprehensive knowledge and practical experience of fire service operations. In addition to his audit experience, Bob has been directly involved in consulting services for not-for-profits of all sizes. Bob has been a continual member in good standing of the American Institute of Certified Public Accountants (AICPA) and the New York State Society of Certified Public Accountants (NYSSCPA) for over 35 years. Bob serves as the Co-Chair of the Suffolk County Chapter of the New York State Society of CPA’s Employee Benefits Committee and is the Vice Chair of the NYSSCPA Small Firms Practice Management Committee. Bob is in charge of developing the continuing education curriculum for each committee. Bob has lectured at the AFDSNY Leadership Summit and Vendor Expo and has taught classes focused on Governmental Financial Reporting for the Government Finance Institute of the NYS Government Finance Officers’ Association.