Tom Kodadek, Monique Brechter, Norma Klorfine, Dayrn Kirchfield
Lauren and Gui Proenca, Todd and Kami Batchelder
Leonard Klorfine, Ofelia Utset
Meg Miller, Tony Lourido, Alyse Lemstrom
Mark Freeman, Jody Passov, Kelley Scott
Lee and Jenny Owen
Henry and Barbara Garrana
Guy Sullivan, Brian Crowley, Josh Guittap
On fourteen acres of the most pristine stretch of Intracoastal waterfront, e Ritz-Carlton Residences, Palm Beach Gardens blossom with a once-in-a-lifetime collection of expansive estates, born to frame the breathtaking views of the waterway with a private marina and blooming grounds. e singular maritime lifestyle is augmented by over 20,000 square feet of masterfully-crafted resort amenities— imbued with legendary hospitality by e Ritz-Carlton.
services. A few months ago, the outreach team moved Lenwood into his own apartment in Riviera Beach through The Lord’s Place supportive housing program. Thanks to the Meal Mobile – a comprehensive service delivery bus for those experiencing homelessness that is operated by The Lord’s Place and fully funded by GL Homes – Lenwood’s hopelessness was transformed into hopefulness. Today, Lenwood has restored dignity, a support system, and a place to call home for the rest of his life.
Lenwood’s story is a testament to how community partnerships can assist local agencies in doing the work needed to serve those less fortunate. It is also one of the many reasons why The Lord’s Place is recognizing GL
hot
Homes as a phenomenal corporate partner that has made unparalleled contributions in helping to break the cycle of homelessness and combat hunger in Palm Beach County. The Lord’s Place announces it will honor GL Homes with the first M.A.R.C.H. Award (Mobilize, Advocate, Respond, and Commit to end Homelessness) on Friday, Feb. 28 at the inaugural March to End Homelessness.
“We recognize and applaud GL Homes’ philanthropic philosophy and its Vice President of Community Relations Sarah Alsofrom who, together with company employees, make a difference in the communities where they live and work throughout Florida,” stated Diana Stanley, CEO of The Lord’s Place.
Managing GL Homes’ statewide philanthropic efforts since 2015, Alsofrom oversees the organization’s focus on homelessness, hunger relief, and children and education through its donations to 150 charities throughout Florida and beyond.
The Lord’s Place and GL Homes are celebrating their 10th anniversary in partnership. Since 2014, GL Homes has donated more than $900,000 to The Lord’s Place. Their most notable project together is the Meal Mobile, a transformative vehicle that delivers meals and drives its wrap-around services directly to the most vulnerable individuals living on the streets.
from
GL Homes has been the presenting sponsor of The Lord’s Place Annual Ending Homelessness Breakfast since 2019. The local home builder is also the presenting sponsor of The Lord’s Place inaugural March next month.
In addition to GL Homes being part of the solution in addressing homelessness through The Lord’s Place, the corporation also supports Gulfstream Goodwill and has built affordable housing in The Pines (Delray Beach) for those doing farm work in the Glades.
“GL Homes is excited and honored to be recognized with The Lord’s Place inaugural M.A.R.C.H. award! Our commitment to ending homelessness in Palm Beach County is unwavering. It is through our collective advocacy, compassion, and commitment that we will break the cycle of homelessness,” stated GL Homes President Misha Ezratti.
Homelessness is a serious social and economic issue impacting all levels of our society. The Lord’s Place recognizes that all people deserve respect and a place to call home. The inaugural March to End Homelessness is part of The Lord’s Place’s effort to spread community and national awareness, raise the much-needed funds to provide the resources, programs, and services needed, and
Southern Spotlight on page 6
Individuals experiencing homelessness receiving
meals
the Meal Mobile at its feeding site in Belle Glade. Photo credit: Downtown Photo
Sarah Alsofrom and Diana Stanley at the Engine Starting Ceremony for the Meal Mobile on Sept. 18, 2023. Photo by Tracey Benson Photography
Lenwood, client of The Lord’s Place, sitting in his new apartment.
Lenwood, client of the Lord’s Place, with Robbie Yancy, peer advocate of The Lord’s Place.
recognize those who are partnering in helping to break the cycle of homelessness.
The significance of the event is to educate participants and change the lives of those who are homeless. By marching through West Palm Beach, The Lord’s Place wants to raise awareness of the estimated 3,000 men, women, and children without a home on any given night in Palm Beach County. In the United States, many Americans are forced to choose between basic necessities like purchasing food, paying rent, or going to the doctor. The fact is more than 770,000 Americans are homeless on a typical night.
Since 1979, The Lord’s Place has been finding solutions and providing services to take more people off the streets and into homes. All are invited to join this profound movement advocating for those who are homeless and raising crucial funds to support them.
“Carry your sign high and show that you believe everyone deserves a roof over their head. Homelessness is often unseen or pushed aside but let this be a day to stand strong and march to break the cycle of homelessness for our most vulnerable neighbors living in Palm Beach County,” commented Stanley.
The 5K march is open to everyone in the community. Participants can choose to march beginning at The Lord’s Place Fortin Family Campus (2808 North Australian Ave.) at 2 p.m., join at any point along the route, or come for the program at the final destination in downtown West Palm Beach. Individuals, corporations, business and community leaders, schools, and groups will gather at Lake Pavilion for the celebratory event that will take place from 4 to 6 p.m.
Participants can help raise money for this event by creating a team and challenging their friends and coworkers to help end homelessness. The goal is to have 200 people march and attend the program and to raise a
minimum of $350,000. Funds raised will be matched by The Honorable Ann Brown.
“As we march forward, we speak for those who cannot and lift up those who have lost their way. Our path to raise awareness about the men and women living on the streets is only possible with the support of our friends, neighbors, and other generous corporate partners. Please join us as we give voice to the most vulnerable and neglected in Palm Beach County,” encouraged Alsofrom.
Visit TheLordsPlace.org/march for more information.
Misha Ezratti, Sarah Alsofrom, and Diana Stanley in front of the Meal Mobile. Photo by Tracey Benson Photography
’Tis The Season Of Giving: The Gardens Mall Raises Nearly $14K For Local Charities During 2024 Holiday Season
During the 2024 holiday season, The Gardens Mall played the role of a “not-so-secret” Santa, spreading festive cheer for a cause! Through a series of heartwarming charitable events, the mall raised nearly $14,000 to support local organizations across Palm Beach County.
“Throughout the holiday season, The Gardens Mall has remained a place where the community connects,” said Whitney Pettis Jester, director of Marketing and Merchant Relations at The Gardens Mall. “We are grateful for the unwavering support from our stores and shoppers whose dedication to local charities brings a special kind of magic to this season of giving.”
The mall’s Kids’ Corner Holiday Shop gave children the chance to select meaningful gifts for the special people in their lives. The festive, kids-only store allowed young shoppers to choose presents for friends and family, with all proceeds supporting The Arc of Palm Beach County. The endeavor raised $6,783 to help children and adults with developmental disabilities.
The Salvation Army Angel Tree was adorned with 568 angels, as shoppers helped fulfill the holiday wishes of underprivileged children. The Salvation Army received $5,010 in donations, and more than 1,428 toys to distribute to kids in Palm Beach County.
On Dec. 9, The Gardens Mall hosted a Shop and Share event throughout the mall, donating 5 percent of the day’s sales logged at the information desk to Maltz Jupiter Theater. The single day of shopping raised more than $2,071 for the theater. Retailers contributed a portion of their sales, while shoppers enjoyed performances by Maltz Jupiter Theater’s young performers.
The Kids’ Holiday Shop at The Gardens Mall
The Gardens Mall holiday decorations
The Gardens Mall Kids’ Holiday Shop
Angels on Salvation Army’s Giving Tree at The Gardens Mall
Salvation Army Giving Tree at The Gardens Mall
The Gardens Mall gleamed with the spirit of giving for a joyful holiday season! Photos courtesy of The Gardens Mall.
By Kelly Leary, M.S. & Miranda Capparelli (The Award-Winning Matchmakers)
“To truly change the way we approach love, we have to go to the source of everything we do: our minds.” — Todd Perelmuter Romance has arrived and you have front row seats. Cupid’s arrow is aimed, and couples are falling in love all over town, thanks to us. February is all about LOVE. Whether you’re actively looking for it or quietly wishing for it, LOVE is on everyone’s mind this month. You can run, but you can’t hide from the magic of Valentine’s Day. So, how is your love life? (Take a moment to think about it). Do you need a little extra help from our sweet, professional cupids this month? Well, good news—we’re right here in your local area, ready to help! As always, don’t forget to share this valuable info with your single family and friends—especially during this inspiring month. They might just be more motivated to take action than they think.
The Power of a Two-Some Countless studies have shown that we’re at our best when we’re in a healthy relationship. It’s not money, fame, or beauty that brings true happiness—it’s togetherness. We ask people of all ages—from 20 to 80-plus—what their happiest moments have been, and the overwhelming answer is always the same: “The best time of my life was when I was in a loving, committed relationship.”
It Makes Perfect Sense
When you’re in a relationship, you have someone to share life’s joys with, and someone to lean on during the tough times. You have a partner to help you plan your future, and a person who becomes your rock, your sounding board, and your biggest cheerleader. Two beats one, any day of the week. Not only does this connection improve your emotional health, but it’s also essential for your physical well-being. A supportive relationship gives you something to look forward to every day, and that’s crucial for mental and physical wellness.
Taking Responsibility for Your Love Life
Deep down, no one wants to be single forever. Yet, many will be alone this February—and possibly longer— because they’re not owning their love life. They’re too comfy in their comfort zones, waiting for something to happen instead of making it happen. Some people blame others (or even an ex) for their single status, but here’s the truth: you are responsible for your relationship status.
Facing the Truth
In the world of dating, it’s easy to get stuck in patterns of blaming external factors rather than reflecting on our own actions, dating style, or mindset. Taking ownership of your love life requires self-awareness, selfimprovement, and a willingness to face the discomfort of stepping outside of your comfort zone.
Fear of rejection, getting hurt, or losing freedom often holds people back, but this is precisely what keeps them from finding happiness. Online dating is a risky platform, and we get that. This is why we’re here! Unlike online dating, we vet every single candidate and connect with
them personally. We act as cheerleaders, and sometimes we hold up a mirror when we see our clients standing in their own way. Tough love leads to success, and we’re fortunate that most of our clients listen to us.
Taking Control Leads to Growth
Taking responsibility for your love life is a mindset that opens the door to personal growth and increases your chances of finding your grand finale relationship. Dating isn’t for the faint of heart—it’s a combat sport. You will take a few hits along the way, but you must keep going if you want to score the touchdown.
Know Your League
It’s crucial to understand what “league” you should be dating in. You can’t be a third-string player on a community football team and expect to date the head cheerleader of an NFL team. If you have incredibly high standards, make sure your attributes match what you’re looking for in a partner. Ask a brutally honest friend or, better yet, ask your matchmaker. We’ll give you the truth (while your friends might sugarcoat it). Most of our clients appreciate this transparency.
Optimism and Open-mindedness
Remember, there is a pot for every lid. Don’t let low self-esteem hold you back from believing in love. If you find yourself thinking, “No one will ever love me,” STOP. You are lovable, and you deserve the best partner in the world. Start telling yourself: “I am lovable, and love is on its way.” Stay optimistic, and get off that negative train—it’s headed nowhere. Is that really where you want to go?
Dating on page 10
More Amazing Singles Than Ever
We’re excited to report that we’re meeting more incredible, like-minded singles than at any other time in our history. Nationwide exposure and a recent article in The Shiny Sheet have been an astronomical experience for the club and its members. Times have changed, and so has our matchmaking style. New candidates for men and women are walking through our doors every day. Our database is growing and ever-changing, and the quality of matches pack a powerful punch.
The Right People Are Out There
We feel so fortunate to work with such attractive, successful, and positive clients. Our clients are too wise and too busy for the bar scene or online dating. They want quality, and they deserve it too.
In honor of love month, here’s one final piece of advice. “Treat yourself the way you want to be treated by others. Love yourself, and you will be loved.” Love the world, and it will love you back. It’s the LOVE MOVEMENT. and enroll today--before we book solid!
Happy Valentine’s Day Wishes and Caviar Dreams to all of you! May you find love in 2025—with yourself and with others. We are obsessed with 2025 and can’t wait to make this year even better—together!
Thank you for sharing your time with us today. We appreciate all of you.
Xoxo – Kelly & Miranda
#34YearsOfExperience
#WhyWaitJustDate #LoveOffline
#MatchmakingRoyalty #TellYourFriends
#ComeAliveIn2025
in love is incredibly rewarding. Much of the love you see is because of all of you. We are blessed to be surrounded by so many vibrant humans. We
appreciate those of you who share your love openly and talk is up out there! We truly are saving quality singles one date at a time! Have an incredible Valentine’s Day and remember to Come Alive in 2025! #TellYourFriends #ReserveYourSpot
Behind The Scenes at Revolution Dating: Matchmaking is one of the oldest and most wellrespected occupations Worldwide, and the demand for matchmakers is soaring. We love our job for these reasons and many more— as you can see in our monthly column. Between the end of 2024 and the beginning of 2025, we have been inundated with more success stories than any other year in our history. Seeing our couples fall
The Team Celebrates another new Revolutionary Couple! #CheersToLove
Kandace Kichler, M.D. with Victoria Larson from The Bachelor and Bachelor in Paradise. Recording for The
The Pet Cottage Post
Love In Action: Thor’s Heartwarming Journey To A New Home
As February rolls in with its celebration of love, we at The Pet Cottage are reminded of the countless ways love shines in the bonds between people and their pets. For us, love is the foundation of everything we do — the love it takes to relinquish a cherished companion when life circumstances make it impossible to care for them, and the love that finds these pets a new family to cherish them. Take Jerry and Thor, for instance. Jerry, a cancer survivor, shared an unbreakable bond with his 120-pound Dutch Shepherd, Thor, for five wonderful years. Thor was not just a dog; he was Jerry’s best friend, constant companion, and loyal confidant. But when Jerry’s cancer returned unexpectedly, he faced a heart-wrenching decision. Moving to Australia to live with his daughter for treatment was the best choice for his health, but the lengthy flight and mandatory quarantine would be too much for Thor.
Jerry’s priority was finding a loving new home for Thor, where he could thrive. He tried on his own and through his vet, but no match felt right. Then a friend, Jane, told Jerry about The Pet Cottage, and he reached out to us in late November. With a flight booked for December 23, the timeline was tight, but our mission was clear: find the perfect Forever Guardians for this intelligent, active, and affectionate dog.
At The Pet Cottage, we believe every pet deserves a home that matches their unique personality. We arranged two meet-and-greets with potential families, one even including a skilled dog trainer for introductions. However, despite their interest, neither was the right fit for Thor. Jerry began to worry that Thor might need to be boarded while we continued the search. But I, Wendy, the founder and executive director of The Pet Cottage, assured him that miracles do happen.
And happen they did. Just days before Jerry’s departure, Marcia reached out to us. She and her husband, Michael, had been following Thor’s story and felt a pull to reach out. Experienced with large dogs and with a spacious acre of land and a pool — a dream for Thor, who loves to swim — they were eager to meet him.
When we visited Marcia and Michael’s home, it was clear: this was the one. Jerry had the chance to meet them and see the wonderful environment Thor would call home. The bond was instant, and Jerry left for Australia with peace of mind, knowing his beloved companion was in loving hands.
Today, Thor lives happily with Marcia and Michael, enjoying his new home and their expansive backyard. Jerry stays in touch through WhatsApp, sharing updates and photos, and The Pet Cottage remains committed to supporting Thor and his Forever Guardians for the rest of his life.
At The Pet Cottage, we witness love in its purest forms every day. Whether it’s the selfless act of rehoming a beloved pet or the joy of welcoming a new furry friend into your heart, love truly is all around us.
If you’d like to learn more, donate, or become a Forever Guardian, visit www.thepetcottage.org. Together, we can create a world where pets and people truly belong.
This February, we celebrate the love that makes miracles happen — the love that brought Thor to Marcia and Michael, giving Jerry peace of mind during a difficult time. Thank you to everyone who supports our mission and helps us create these beautiful stories of love and connection.
Happy Valentine’s Day from all of us at The Pet Cottage!
Benzaiten Center For Creative Arts
A 10-Year Odyssey: The Origin Story
The long journey started with just a dream. After seeing so many artists shipping their artwork out of the area to get it cast, I decided it was time to create a fine art fabrication closer to home. In my case I only had a three-hour commute to Sarasota, but other artists sent their clay pieces as far away as Colorado or even to Mexico and Taiwan. What an ordeal I thought to myself. All that extra shipping can’t be making it cheaper for these artists to fabricate their work. So why didn’t we have a center of our own in Palm Beach County?
One thing I realized early on was it should be run as a nonprofit. Most foundries and other types of fabrication centers operate on such slim profit margins that it is difficult to remain in business. They are constantly losing their work
But what did I know about running a nonprofit? Absolutely zero. So, I hired a great team and started assembling a board of like-minded art enthusiasts and brought in a consulting firm, Charlotte Pelton and Associates, to help guide me through the minefield of opening a 501 (c)(3) organization. We started out in the Northwood area of West Palm Beach until politics got in the way. That’s when Charlotte convinced me to look at Lake Worth. I met with the head of the CRA, Joan Oliva, and she showed us a map. I said, what’s that block-long building? She explained that it was a historic FEC train depot building, which had been gifted to the city but has been in a state of disrepair for several years, and currently there was nothing planned for it. I asked if I could see it.
The minute I walked into the building I knew I had found my center’s home. Of course, convincing my board was a whole other can of beans. The condition of the building was so bad that on several occasions it had been used to film zombie pictures! However, after receiving several major grants from the State of Florida, the Cultural Council, my husband Steve Tendrich and I chipping in a lot of our own money to the cause, and, of course, a lot of generous individual donations, we were on our way. Together we were able to clean up the building, make major renovations, replace every windowpane – all 650 of them, obtain all the necessary equipment and open within six months after receiving permits and approval from the City of Lake Worth. Our grand opening was held on January 23, 2015, was attend by 1,200 people and was covered by our local NBC new affiliate. Performing a fourhour demo that evening was world renowned Canadian
force to other higher paying trade jobs such as construction. Consequently, many of them have closed throughout the country. To stay solvent, the operational costs must be subsidized by other resources such as grants and/or donations. Plus, another big part of my mission was to educate the public on what it takes to create 3-dimentional artwork. Running galleries for over 30 years left me with the knowledge of how few people understand the arduous, time-consuming nature and expense that goes into the process. Therefore, it was a natural fit to run the center as a nonprofit with education being a large part of the mission.
artist, Shelley Muzylowski who made a return visit this past February to help commemorate our tenth anniversary season.
Working one-on-one with one of the many children who come through our door for free
A pivotal partner in this adventure who has been by my side from before we opened our doors and who I stole from Pelton and Associates, is my CEO and grant writer, Anita Holmes. She was a longtime nonprofit executive in the world of diseases who had never worked in the difficult world of nonprofit art organizations. I say difficult because it can be a whole lot easier to obtain donations for a cure for cancer or a hospital as compared to an art organization. It’s true that large art institutions get a lot of money, but for smaller, emerging art facilities, it can be a real struggle. I never quite understood why this is, since it is the smaller and struggling organizations that need the money most.
Since opening in 2015, the Benzaiten Center for Creative Arts has emerged as a significant tourist attraction. Besides our 2,000-square-foot fine art gallery and gift shop, we have the largest glassblowing hot shop open to the public in the state. We also have a large, air-conditioned fusing and flameworking studio, a glass casting department and a welding department. As far as
One of Shelley Muzylowski’s works on display now in the Benzaiten’s Gallery
Our Grand Opening in 2015
But it’s not complete yet. We still want to build a metal casting deportment and finish the build-out of the west side of the building into a “working sculpture garden” dedicated to the production of monumental sculptures and stone carving. At that point we will have all the major 3-D mediums under one roof! The dream continues.
Shelley Muszylowski Returns
For Our 10th Anniversary!
Canadian artist, Shelley Muzylowski, returns to Benzaiten to help mark our 10th Anniversary Season. She was our center’s first visiting artist and was there when we opened our doors on January 23, 2015. Shelley is one of the most world renowned, celebrated glassblowers working today, and Benzaiten audiences are thrilled to see her again. We will be holding two days of events in her honor starting with our Meet the Artist Dinner, an elegant sit-down dinner held in our fine art gallery from 6:30 to 9:30 p.m. on Thursday, February 20th. The cost is $100 per person. The following night will be one of our now famous Artist Blow-Outs starting at 6:30 p.m. and featuring Muzylowski doing a three-hour glassblowing demonstration to live music, drinks and light bites. All this for only $25 per person! Fifth-Third Bank has graciously underwritten these events.
JB Berkow, founder and president of the Benzaiten Center for Creative Arts, For further information contact jbberkow65@gmail.com or (561) 310-9371.
Chandelier made during a 5-day Benzaiten Workshop by 8th generation Venetian master, Fabiano Zanchi last year. His workshop was so popular that we are bringing him back again this April for another Artist Blow-Out and workshop.
Art Happenings on page 15
REDEFINING
WORLD CLASS HEART CARE
11th generation Venetian master, Davide Salvadore, during his sold-out Artist Blow-Out
Lighthouse ArtCenter’s 12th Annual Plein Air Festival, March 2 To 8
Art lovers and outdoor enthusiasts will find inspiration at Lighthouse ArtCenter’s (LAC) 12th Annual Plein Air Festival. This unique event brings together 30 internationally renowned artists who will compete for over $15,000 in cash and prizes while painting local landscapes “en plein air” — a French term meaning “in the open air.” Renowned landscape painter Mary Garrish will serve as this year’s judge. With a full schedule of events, free artist demonstrations, and freshly painted artwork available for purchase, the festival promises a week of creative energy and community engagement.
What Is Plein Air Painting?
Unlike studio work, plein air pieces reflect the immediacy and energy of outdoor settings.
LAC’s Executive Director, Jeni Licata, describes it best: “Plein air painting captures something no photograph ever
can—the energy, immediacy, and true essence of a moment. The feel of the day, whether it’s the sun’s warmth, the crispness of a breeze, or the calm of a perfect morning, flows directly from the artist’s brush onto the canvas, creating a sense of tangible and timeless place.”
Festival Highlights
Paint Out Competition (March 2, 9 a.m. to 1:30 p.m.)
Kicking off the festival, professional and amateur artists alike will gather at the iconic Jupiter Inlet Lighthouse to create masterpieces in a fast-paced, two-hour timed event. Over $2,000 in prizes will be awarded, and the completed works will be available for purchase immediately following the competition.
Daily Plein Air Painting And Demonstrations (March 3 To 7)
Award-winning artists will paint stunning local scenes across Palm Beach and Martin counties. From “Old Florida” landscapes to picturesque coastlines and iconic landmarks, the public is invited to watch these masters at work. Free, scheduled artist demonstrations will take place at Sewall’s Point Park, Riverbend Park, Dubois Park, and Juno Beach Pier.
Artist Meet And Greet And Small Works Sale (Wednesday, March 5, 4:30 To 6:30 p.m.)
Meet the artists, enjoy light bites, and browse the gallery to purchase artwork. Visitors can also shop the Small Works Sale, featuring 8” x 8” pieces by participating artists, perfect for collectors of all levels.
Collectors’ Party And Sale (March 7, 5 To 8 p.m.)
This exclusive evening at LAC offers attendees the opportunity to meet the artists and purchase freshly painted, one-of-a-kind artworks. Guests will enjoy signature hors d’oeuvres and refreshments while mingling with artists and fellow collectors.
Battle Of The Brushes (March 8, 9 a.m. To 2 p.m.)
This lively finale is the last day to purchase festival paintings and features a live painting competition where top artists go head-to-head in a timed relay-style painting event at LAC.
Why Attend?
The Plein Air Festival offers an unparalleled opportunity to witness art in action, connect with acclaimed artists, and bring home a piece of original artwork. Whether you’re an art collector, a casual observer, or someone seeking creative inspiration, this event has something for everyone. For a full schedule of events, visit lighthousearts.org/ pleinair-2025 and follow real-time updates on Instagram @lighthouseartcenter. LAC Gallery is located at 373 Tequesta Drive, Tequesta, FL 33469. Admission to the gallery is free for members, with a $5 suggested donation for nonmembers.
Art Happenings on page 16
Ralph Papa and Manon Sander painting the Jupiter Inlet Lighthouse at sunrise
Kari Ganoung Ruiz painting at the 11th Annual Plein Air Festival, 2024
Kari Ganoung Ruiz - Golden Morning
The Amazon ArtiKids Zone: A Creative Playground For Children At ArtiGras 2025
February 15 to 16, Gardens North County District Park In Palm Beach Gardens
Get ready for an unforgettable family experience in the Amazon ArtiKids Zone at the 2025 ArtiGras Fine Arts Festival presented by Tampa General Hospital. Designed for children of all ages, the Amazon ArtiKids Zone offers an interactive, fun, and creative environment where young minds can explore the world of art and play.
The Amazon ArtiKids Zone features an on-site playground, giving children a chance to burn off some energy while enjoying the festival. Plus, families can visit a variety of vendor booths where children will receive take-home art crafts to keep the creativity flowing long after they leave.
Whether your child is a budding artist or just loves to explore, the Amazon ArtiKids Zone promises an art experience like no other.
Vendor opportunities are still available for the Amazon ArtiKids Zone. Showcase your creative products and services to families attending this beloved community event. Don’t miss your chance to be part of ArtiGras 2025! For more information about the Amazon ArtiKids Zone or to apply for a vendor booth, email info@artigras.org.
The 40th Annual ArtiGras Fine Arts Festival will take place on February 15 to 16, at the Gardens North County District Park, located on 117th Court North. The festival will feature a juried fine art exhibition, live entertainment, the new Culinary Arts Studio, a dedicated Amazon ArtiKids Zone, and the Youth Art Competition. Ranked as a Top-100 fine arts festival by Sunshine Artist magazine, ArtiGras offers visitors the unique opportunity to meet and engage with over 300 of the nation’s leading artists.
Resiliency: The Arts And Science Connection
Mind, Music, And Movement Foundation
And FAU’s Stiles-Nicholson Brain Institute Host A Free Symposium
The Mind, Music, and Movement Foundation for Neurological Disorders, Inc. (M3F) and FAU’s StilesNicholson Brain Institute present “The Power of Arts And Science for Resiliency in Aging” on Monday, March 3, 5 p.m. at the Osher Lifelong Learning Institute at FAU, located at 5353 Parkside Dr., Jupiter, FL 33458. In this free educational evening, the audience will learn about cutting-edge research and explore how the arts and science can foster resilience, well-being, and aging in place. Sponsorship opportunities are available for businesses and individuals who want to support this impactful event. For more information, contact Ella Elden at ella@m3f.org.
Jill Sonke , Ph.D., a visionary in arts in medicine and a global leader in integrating creativity into healthcare will be the guest of honor. In addition to Dr. Jill Sonke, the evening will feature distinguished speakers, interactive demonstrations, and a VIP donor reception to celebrate the intersection of arts, science, and aging with profound new insight. Distinguished experts include:
Jill Sonke, Ph.D., Guest of Honor, research professor and director of Research Initiatives in the Center for Arts in Medicine at the University of Florida (UF); Randy D. Blakely, Ph.D., founding executive director of FAU’s StilesNicholson Brain Institute; Corinne Lasmezas, Ph.D., DVM , director, David and Lynn Nicholson Center for Neurodegenerative Disease Research, FAU Department of Clinical Neuroscience; Michael R. Dobbs, M.D., MHCM, chair of the Clinical Neurosciences Department at FAU, department and associate dean of Clinical Affairs; Meera Joseph, M.D., renowned psychiatrist specializing in geriatric and adult psychiatry, specializing in treating neurodegenerative, cognitive, and other biological and
psychological concerns associated with the aging process; Carol Chiang, OTR/L, owner of Evolving Homes and “Aging in Place” expert.
A Free Event With Lifelong Benefits
“This symposium is more than an educational event; it’s a celebration of the integration of arts, science, and aging,” said Beth Elgort, founder and president of M3F. “By bringing together leaders in neuroscience, arts, and medicine, we hope to inspire individuals and families to embrace innovative strategies for resilience and wellbeing.”
Registration Information
Admission to the symposium is free, but registration is required. Secure your spot today by visiting m3f.org/ events or calling (561) 510-8611.
In addition to the symposium, M3F hosts a series of free “Coffee Talks” designed to educate and engage the community on aging, neurodegenerative diseases, and
holistic well-being. For a full schedule, visit m3f.org/ events.
About M3F
The Mind, Music, and Movement Foundation for Neurological Disorders, Inc. (M3F) is a 501(c) (3) nonprofit organization dedicated to supporting individuals and families affected by neurodegenerative diseases. Through innovative programming—chorus, drumming, dance, yoga, movement, boxing, art, nutrition counseling, support services and resources—M3F promotes confidence, wellness, and friendship. M3F’s integrative approach helps to improve mobility, balance, speech, and mental well-being. For more information, visit m3f.org.
So many crafts for the children in the Amazon ArtiKids area at the ArtiGras Fine Arts Festival
Jill Sonke
Beth and Steve Elgort
Promise Fund Hosts Pink Tie Guy Event And Welcomes New CEO
to breast and cervical cancer screenings and care for underserved women.
As host, DiPaula welcomed guests, expressed his dedication to the cause, and offered a mention about the new pink fish he
also thanked Brioni Palm Beach for donating the pink ties worn by the Pink Tie Guys in attendance. Endelson added, “Your support tonight is more than symbolic—it’s transformative,” highlighting the power of collective action in saving lives and improving access to healthcare.
The evening continued with remarks from Promise Fund co-founder Nancy Brinker, who shared the personal story of her late sister, Susan G. Komen, and the promise that inspired her to fight for equitable healthcare access. She highlighted the organization’s extraordinary growth, having engaged over 41,000 women, screened more than
Photos from left to right: Dr. Jill Sonke, Research Director of Center for Arts in Medicine, University of Florida (UF), Beth
Ken Endelson, Nancy Brinker, Chip DiPaula David Brodsky and Emmella Segal
Bruce and Robbi Toll, Wendy and Doug Topkis
Yolette Bonnet and David Dodson
Ed Brown and Nancy Yanofsky Janet and Mark Levy Joan and David Genser
Lenny and Beth Wilf
Eric Brinker and Cheryl Krongard
Dr. Herbert Wertheim and Alicia Dalhill
Fundraising Event on page 19
Cynthia Friedman and Bill Bone
fundraiSing event from page 18
14,500 for cancer, and navigated over 229 cases through cancer treatment.
Then Brinker introduced Audrey Brown, Promise Fund’s new CEO.
“Audrey’s leadership will help us expand our programs and triple our impact, with three new health centers set to open in the coming months,” Brinker announced.
Brown expressed her enthusiasm about joining the Promise Fund, praising Brinker’s visionary model for addressing healthcare inequities.
“Together, we’ll continue to honor our promise to women in need,” Brown said.
The event also spotlighted the exclusive healthcare partnership between the Promise Fund and Baptist Health Cancer Care. Dr. John Diaz, representing Baptist Health, shared exciting news about
the upcoming Al and Jane Nahmad Women’s Cancer Center, which will provide advanced treatments and groundbreaking research to support South Florida women.
As the evening concluded, DiPaula encouraged the guests to deepen their support. “Whether you’re wearing a pink tie or one of our new gold Promise Fund bracelets, let them be symbols of strength, commitment, and our shared mission,” he said.
The event kicked off Promise Fund’s season: The Annual Bridge Lighting Ceremony at Royal Park Bridge in February, the Major Donor Dinner & Award Celebration at Club Colette on March 10, and the Scientific Forum Luncheon at the Beach Club on March 27.
For tickets and information, contact Donna Dodson, (561) 307-8000, or visit ThePromiseFund.org.
Laurie Silvers and Mitch Rubenstein
Susan and Ben Winter Tim and Jana Davidson
Diane Sculley and Paulette Koch
Karen Patti and Ron Rosenfeld
Nicki Harris and Peter Cummings
Dariyan Younessi and Lori Younessi
Donna Raggio and Lora Drasner
Ellen Levy, Donna Dodson, Audrey Brown
To Paul Storch there was a noticeable “buzz in the air” as scores of senior softball players took to the fields Jan. 6 for the start of the Jupiter Senior Softball Association’s 2025 Winter League.
“I saw about 150 ballplayers out there and all were absolutely thrilled to be participating in opening day. You could feel it in the air,” said Storch, who is commissioner of the Jupiter Senior Softball Association.
The league runs from January through March and is the cornerstone of the year-round senior softball program. Persons 55 and older are eligible and there is no upper age limit. The winter league features 15 teams competing among three divisions and is followed by pickup games and spring and fall leagues the remainder of the year.
SPortS
Jupiter Senior Softball News
Bill “Doc” Pollack, a retired dentist and seasonal resident from Livingston, N.J., is in his 17th season playing in the league. He celebrates his 90th birthday February
11, making him the oldest active player. He also is manager of the Blue Division team, “Bill’s Warriors.”
When asked why he keeps playing, he said, “I love the guys, I love the atmosphere and love the competition. “It’s just fun.” In the off-season he still plays softball and hardball once or twice a week in New Jersey.
Pollack said he’s been playing ball since he was eight years old, including through college and in semi-pro and senior leagues. He pitched baseball into his 80s, compiling a record of 1,028 wins. When he was in dental school the New York Yankees wanted to sign him but he turned down the offer.
“In those days the the maximum bonus they could offer was $4,000 and I wasn’t about to quit dental school for $4,000,” he said. A high point, however, was that he got to pitch batting practice to Micky Mantle, Yogi Berra, Elston Howard and other Yankee greats, he noted.
The Jupiter slow-pitch softball program is sponsored by the nonprofit Jupiter Senior Softball Association in cooperation with Jupiter’s Parks and Recreation Department. Games are every Monday, Wednesday and Friday mornings at Jupiter Community Park and new players of all skills are welcome.
Registration can be made online at www.leaguelineup. com/jssa. Sponsorships are also available. For more information contact Gary Newman at (917) 623-0791.
Bill Pollack, who turned 90 this month, is playing in Jupiter’s 2025 Winter Softball League.
Commissioner Paul Storch
Ron Horne, 71, sprints for first base after getting a hit in a Winter League softball game.
Oline Cogdill, Mystery And Theatre Writer Critic, To Speak At Panhellenic Fundraiser In March
The Panhellenic Alumnae of Palm Beach County just announced its guest speaker for the Annual Scholarship Benefit Luncheon will be Journalist and Mystery Writer, Oline Cogdill. Cogdill has been with the Sun Sentinel as a theatre writer and mystery critic for years, and she has been the recipient of several awards such as the Raven Award for her work. Cogdill will speak at a luncheon in the banquet room of the North Palm Beach Country Club on US 1 in North Palm Beach at 11 a.m., and the public is invited to attend.
The event benefits women who reside in Palm Beach County, are presently in their third or fourth year or higher in an accredited college or university located anywhere, have maintained a 3.0 GPA or above, and show a financial need. Applications for these scholarships are available on the Panhellenic Alumnae’s website.
As well as a luncheon and guest speaker, there will be raffle and silent auction items, a Lottery Hat, and a 50/50 cash prize, so attendees are encouraged to bring extra cash in which to bid upon these choices. For more information check the groups’ Facebook page.
Tickets are being sold in advance to the event for $60 per person, and they can be purchased from the Panhellenic Alumnae of Palm Beach County members.
Cheryl Gooding holds the money house she created for members to place donations inside as Patty Hiscock sits nearby.
President of Panhellenic Alumnae, Jeanne Hibbard, prepares to start the Jan. 11 meeting.
Treasurer Nancy Stainback welcomed members to her home in January.
Susan Breece announced the guest speaker for the March 8 upcoming scholarship fundraiser while Libby Krape listens. In the background are Stacey Easterling, Margery Soffer, and Honnie McClear.
Joyce Garberoglio and Julia Pichette are comfortably awaiting the Jan. 11 meeting to start.
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Palm Beach Dramaworks Annual Gala Celebrating 25 Years Of Professional Theatre Excellence
Saturday, March 15, 2025 At 6:30 p.m.
Cohen Pavilion at the Raymond F. Kravis Center for the Performing Arts, 701 Okeechobee Blvd West Palm Beach, FL 33401
In an ever-changing city, Palm Beach Dramaworks (PBD) has been one of the few constants, providing award-winning professional theatre in West Palm Beach for 25 years. Since its founding in 2000, PBD has consistently delivered acclaimed productions of classic, contemporary, and world premiere plays that enlighten, entertain, and stir the imagination, what the company refers to as “Theatre to Think About.” PBD also provides exceptional educational opportunities for students, appealing community engagement programs, and the Perlberg Festival of New Plays which, as the title suggests, is an incubator for the plays of tomorrow.
A quarter of a century of sustained excellence, of enriching the cultural landscape of South Florida, deserves a special fete. PBD’s 25th Anniversary Gala, which takes place on Saturday, March 15, at the Kravis Center for the Performing Arts’ Cohen Pavilion (black tie optional), will be a glittering celebration of the company’s rich history.
The festivities get under way at 6:30 p.m. with a cocktail reception in the lobby. The room will feature an art exhibit that spotlights the teamwork involved in putting on a show, paying tribute to everyone from directors and designers to the box office, marketing, development, and public relations departments with a variety of clever displays.
Dinner, dancing, and entertainment follow, beginning at 7:30 p.m. Dinner will be served to the sounds of string instrumentalists playing classical arrangements of contemporary music. A D.J. takes over when the dancing begins.
One of the evening’s most anticipated highlights is a costume fashion show, curated by and featuring the wide-
Good Works
ranging work of Brian O’Keefe,
and
Actors will serve as models, and huge projections that include research, sketches, and photos will augment the fashion show to provide a sense of all the work that goes into a design.
The Pet Cottage Secures $15,000 Grant For Veterinary Expenses Supporting Forever Guardianship Program
The Pet Cottage is thrilled to announce a generous $15,000 grant from the Knopf Family Foundation dedicated to covering veterinary expenses for pets in our Forever Guardianship program. This vital funding ensures that pets who have lost their human due to death, disability, or deployment will continue to receive the care they deserve while living with their dedicated Forever Guardians.
“This grant represents a significant milestone for our organization,” said Wendy Derhak, founder/executive director of The Pet Cottage. “It reaffirms our mission to provide lifetime care and support for pets in need, and it directly impacts their health and well-being. Veterinary care is one of our most pressing expenses, and this funding allows us to provide necessary medical services without compromise.”
The Forever Guardianship program is a cornerstone of The Pet Cottage’s mission. By pairing pets with loving Forever Guardians, the program ensures each animal finds a stable, nurturing home. This grant will be utilized to cover essential veterinary needs, including routine check-ups, vaccinations, surgeries, and chronic condition management.
Since its founding, The Pet Cottage has worked tirelessly to support the emotional and physical needs of both pets and their human guardians. With this funding, we can expand our reach and continue to uphold the quality of care that defines our organization.
“This grant enables us to give our pets the healthiest lives possible while easing the financial burden on their Forever Guardians,” Wendy added. “We are deeply grateful to the Knopf Family Foundation for believing in our mission and
investing in the futures of these beloved animals.”
The Pet Cottage invites the community to join us in celebrating this incredible opportunity and to learn more about how they can support our programs. Together, we can make a lasting impact on the lives of pets and their humans.
For more information about The Pet Cottage and the Forever Guardianship program, please visit thepetcottage. org or contact Wendy at wendy@thepetcottage.org.
About The Pet Cottage
The Pet Cottage is a nonprofit organization dedicated to honoring the human-animal bond by providing lifetime care for pets who have lost their human due to death, disability, or deployment. Through innovative programs like Forever Guardianship, The Pet Cottage ensures pets find new loving homes with individuals committed to their lifelong care.
PBD’s gifted resident costume designer
costume shop manager.
The Hon. Ann Brown is the gala chair. The Gala Committee is made up of Beth Alcade, Penny Bank, PBD Managing Director Sue Ellen Beryl, Tina Bolton, Benjamin G. Boynton, Bruce Cohen, Hermine Drezner, Susan Ellerin, Edith Hall Friedheim, Jim Fuld, Susan Goldfein, PBD Producing Artistic Director William Hayes, Lisa Koza, Lew Kramer, Carlton Moody, Cynthia Nalley, Bernard Perry, Marsha and Stephen Rabb, Lawrence Rothenberg, Susan Schwartz, Gretchen Shugart, Louise Snyder, and PBD Chief Financial and Operating Officer Rudina Toro.
Individual tickets are $750, and a variety of sponsorships are still available. To purchase tickets or sponsorships, and for further information, please visit palmbeachdramaworks.org or contact Sue Ellen Beryl at sberyl@palmbeachdramaworks.org or (561) 514-4042 x102.
Sarah LaPierre Named Poster Artist For 40th Edition Of ArtiGras Fine Arts Festival
The Palm Beach North Chamber of Commerce is excited to announce that local artist Sarah LaPierre has been named the official poster artist for the 40th edition of the ArtiGras Fine Arts Festival presented by Tampa General Hospital. LaPierre’s stunning artwork, titled Local Legacy , celebrates both the vibrant cultural landscape of Palm Beach County and the personal history LaPierre shares with the iconic event.
In her piece, LaPierre draws from her own deep connection to the festival, having attended since she was just nine months old, and from the natural beauty of her hometown, Palm Beach Gardens. Local Legacy prominently features a pair of sandhill cranes, whose red-crowned heads symbolically reference the festival’s 40th, or “ruby,” anniversary. Four hidden “40s” woven throughout the piece add an interactive element, reflecting LaPierre’s commitment to celebrating the past while looking toward the future.
With a focus on sustainability, LaPierre incorporates upcycled materials into the assemblage-style painting, a theme close to her heart. Through her art, she encourages viewers to reflect on the local wild spaces we inhabit and our collective impact on them.
“Natural spaces are deeply important to me. They are where I find inspiration, peace, and spiritual connection,” LaPierre explains. Her process of using found objects from nature and materials sourced from places like Resource Depot, a local treasure trove of repurposable materials, further highlights her commitment to sustainability.
The piece also carries a personal touch, with elements of LaPierre’s family history with ArtiGras embedded into the artwork.
“There are nods to my family’s legacy, from attending the event to my father’s booth in the early days, to my own involvement as an assistant and later as a featured artist,” LaPierre shares.
Her work is infused with references to ArtiGras memorabilia, such as name badges, early promotional materials, and beaded necklaces, making Local Legacy not only a visual celebration of the festival but a tribute to its impact on her and her family.
LaPierre, who is also the host of the ArtiGras Podcast, has long been an advocate for local artists and cultural enrichment. The podcast, a collaboration with the Palm Beach North Chamber of Commerce and the Cultural Council of Palm Beach County, highlights the incredible diversity and vibrancy of the area’s arts scene.
“One of the best parts of my professional life has been shining a light on the inspiring work of artists and cultural figures in our community,” LaPierre says.
The 40th ArtiGras Fine Arts Festival will showcase LaPierre’s artwork in various forms, from the festival’s promotional materials to her double booth at the event. Attendees will have the chance to view LaPierre’s traditional impasto paintings, as well as her new assemblage series, including the Local Legacy piece. Her booth, located near the red gate entrance (Numbers 336 to 337), promises to be a must-see experience for festivalgoers.
The two-day outdoor art festival, set to take place on February 15 and 16 at the Gardens North Country District Park in Palm Beach Gardens, will also feature a juried fine art exhibition, live entertainment, the Culinary Arts Studio, a dedicated Amazon ArtiKids’ Zone, and the Youth Art Competition. Ranked as a Top-100 fine arts festival by Sunshine Artist magazine, ArtiGras offers visitors the unique opportunity to meet and engage with over 250 of the nation’s leading artists.
Painter Sarah LaPierre has been named the official poster artist for the 40th edition of the ArtiGras Fine Arts Festival.
Photo by Jordan Baum
Detecting And Treating Atrial Fibrillation (AFib)
With February being the month to raise awareness for your heart, it’s an ideal time to emphasize the importance of detecting and treating AFib. AFib is a type of arrhythmia (irregular heartbeat) that causes numerous debilitating symptoms.
Symptoms of AFib range from fatigue, chest palpitations or pounding, chest pain or pressure, difficulty breathing, dizziness or fainting.
Unfortunately, some patients are found to have AFib only after having a stroke. Some people with AFib feel no symptoms at all.
Palm Beach Gardens Medical Center offers a variety of minimally invasive treatment options for AFib and is on the forefront of procedure options for this potentially lifethreatening condition. Leaving persistent AFib untreated can lead to blood clots, stroke and heart failure, as well as other heart-related complications.
The heart has groups of specialized cells that generate electrical impulses that travel through natural pathways from the top chambers to the bottom chambers of the heart (from the atria to the ventricles). These impulses make the heart contract and pump blood efficiently. In AFib, there are changes in the structure of the atria that result in abnormal electrical firing creating uncoordinated and
ineffective atrial contractions. Blood can pool in the atria forming clots that if dislodged can travel to the brain, causing a stroke. The heartbeat in AFib becomes irregular and can result in very fast or slow heart rates because of this abnormal electrical activation.
As an electrophysiologist on the medical staff of Palm Beach Gardens Medical Center, Dr. Matthew Klein encourages patients to seek medical attention immediately if they are experiencing AFib symptoms, and says, “Knowing if a person has AFib is important. It is associated with a fivefold increased risk of having a stroke, a threefold risk of developing heart failure and a twofold risk of both dementia and mortality. AFib strokes are likely to be more severe than non-AFib related strokes.”
Conditions that predispose patients to develop AFib include age over 60, coronary artery disease, heart failure, high blood pressure, heart valve disease, prior heart surgery, sleep apnea, hyperthyroidism, diabetes and alcohol abuse.
Patients with suspected or proven AFib need a full history and physical exam. An electrocardiogram should be done to confirm the diagnosis. There are devices like Holter monitors and event recorders that are worn by the patient and monitor the heart during days or weeks. All patients with AFib should have an echocardiogram done by a cardiologist to detect any underlying heart disease. Blood thinners are indicated if the risk for stroke is significant.
Treatment options depend on how long, often, and severe the AFib episodes occur. Treatments range from the use of medications, noninvasive procedures (cardioversion and catheter ablation), to hybrid procedures where cardiac surgeons and electrophysiologists work together to get the patient back into a normal heart rhythm.
AFib treatment options offered at Palm Beach Gardens Medical Center include:
• Atrial Fibrillation Ablation
• Convergent Procedure
• Laparoscopic Atrial Fibrillation Surgery
• Watchman
Dr. Klein concludes, “We have a unique and great opportunity to treat patients that have AFib. Treating AFib successfully improves quality of life, reduces mortality, and decreases the potential for developing strokes and other cardiac conditions.”
For more information about AFib treatment available at Palm Beach Gardens Medical Center visit https://www. palmbeachhealthnetwork.com/services/heart-care or call (561) 622-1411.
Cosmetic Skin & Laser Center | RegenCen
Comes To Hobe Sound
Not all med spas are created equal. If transparency, quality, and a premium experience matter to you, Cosmetic Skin & Laser Center (CSLC) and RegenCen is the perfect partnership for your aesthetic and regenerative wellness needs.
Founded in 2001 by Dr. Gustav Lo and Courtney Lo, PA, CSLC began as a boutique practice dedicated to personalized treatments and natural-looking results. With a patient-first
approach, CSLC has grown into a multi-location premium brand with more than 20 locations across Michigan and Florida.
In 2020, the success of CSLC paved the way for RegenCen, a complementary practice focused on regenerative medicine and anti-aging therapies. While CSLC excels at helping clients look and feel beautiful, RegenCen specializes
in optimizing health and vitality from the inside out. Together, they offer a comprehensive approach to beauty, confidence, and longevity.
At CSLC, we prioritize quality and expertise above trends. Our nationally-ranked injectors deliver exceptional results with treatments such as Botox, dermal fillers, non-invasive radiofrequency (RF) therapies, laser skin rejuvenation, and advanced body contouring. Every treatment is tailored to your unique goals, ensuring enhancements that feel natural and amplify your confidence.
Equally committed to innovation, RegenCen offers advanced therapies to enhance the quality and longevity of life. With a focus on bioidentical hormone replacement (BHRT), PRF for joint mobility and skin health, NAD+ and vitamin infusions, and menopause medicine, RegenCen addresses critical health concerns during every stage of life. It’s about feeling as vibrant and youthful as you look.
What sets us apart? Consultations at both CSLC and RegenCen are complimentary, and focused on trust and transparency. Our providers are highly trained, noncommissioned professionals who prioritize listening to you first.
“We take a step back before we take a step forward,” says founder Courtney Lo. This means we start with your goals—whether it’s achieving glowing skin, restoring energy, or regaining balance—and develop a plan that’s right for you.
Together, CSLC and RegenCen bring a unique blend of aesthetic artistry and regenerative science to every patient. Whether your goal is radiant skin, a more youthful appearance, or a healthier, more vibrant life, our team is here to guide you every step of the way.
We can’t wait to see you in our Hobe Sound, Florida office. We are thrilled to announce the Grand Opening of our new clinic on February 20 from 8 a.m. to 5 p.m., and we’d love for you to join us to celebrate this exciting milestone! We are located at 11810 S.E. Dixie Highway, Hobe Sound, FL 33455. Call or text (239) 367-7353 for more information or stop by! www.cslcbeauty.com, www.regencen.com
Handling A Loved One’s Debts After They Die
Americans are, quite literally, getting buried in debt, with nearly half expecting to pass away with outstanding debts. 1
Generally, a person’s debts do not go away when they die. Some types of debt, such as federal student loans, are typically forgiven upon the debtor’s death, but private loans and cosigned accounts may still be owed after the debtor has passed away. State laws also play a factor in the post-death debt settlement process.
While nearly half of Americans think they will pass on their debts when they die, you can take proactive steps now to protect your loved ones from inheriting or becoming responsible for your debts. If you are an estate’s executor/personal representative or have been contacted by a debt collector about a deceased family member’s debt, you should understand your rights and obligations. One Nation, Under Debt
Debt is as old as civilization itself. Lending at interest can be traced back to ancient Mesopotamia and the use of promissory notes to facilitate trade. The United States has carried debt since its inception, borrowing money from domestic investors and the French government to fund the Revolutionary War. 2
Total consumer debt eclipsed $17 trillion in 2023, up from $15 trillion in 2021, according to credit reporting agency Experian. 3 The largest and most common debts include
● mortgages ($11.5 trillion in 2023),
● auto loans ($1.51 trillion),
● student loans ($1.47 trillion),
● credit cards ($1.07 trillion), and
● personal loans ($571 billion). 4
The total average individual debt balance in 2023 was $104,215, up from $101,915 in 2022 and $96,371 in 2021. 5
According to Debt.org, 73 percent of Americans die owing money. 6 The average amount of debt they die with is nearly $62,000. 7
What Happens To Your Debt When You Die
You are probably familiar with the expression “buried in debt.” It might hit close to home if you are like most Americans struggling to pay off existing loan balances. However, do you know what happens to your debt when you die?
The answer depends on factors that include the type of debt and the state where you live. In most cases and most states, your loved ones are not stuck with your unpaid bills because creditors are paid only from the assets (e.g., a home, car, bank accounts, investment accounts) that are (i) part of your probate estate and go through a probate court or (ii) in your revocable living trust.
If you do not leave behind enough assets in your probate estate and living trust to fully cover the debts owed, creditors may have to settle for what is available. There are some exceptions to the idea that surviving family members and other heirs are not on the hook for the debt, including
● a person who cosigns on a loan;
● the spouse of a deceased person who lives in a state with community property laws (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin); and
● the spouse of a deceased person who lives in a state that requires a surviving spouse to pay certain healthcare expenses and other kinds of debt.
The rules governing when a surviving spouse is responsible for paying unpaid medical bills are complex and vary by state. It is important to work with an experienced estate or trust administration attorney to ensure that your affairs are wound up correctly.
Surviving spouses and adult children are frequently contacted by debt collectors attempting to collect on bills for the medical care of their deceased loved one, according to the Consumer Financial Protection Bureau. However, unless the survivor also agrees to the medical debt or is responsible under state law, they are generally not liable for the debt.
By Anné Desormier-Cartwright, J.D., Esq.
Not All Debts Go Away At Death
Debts not inherited by a specific individual under the exceptions described above do not just disappear, except for debts that are dischargeable by death.
For example, federal student loans, including direct subsidized loans, direct unsubsidized loans, direct consolidation loans, federal family education loans and federal Perkins loans, are usually discharged when the borrower dies, as long as the loan servicer receives proof of death.8
Private student loans are a different story. Some lenders of private (i.e., nonfederal) student loans offer a death
discharge, although it is not the norm. They may come after the loan’s cosigner (if there is one) or the estate for repayment of the outstanding balance on the loan.
Secured Versus Unsecured Debt
Determining how and when to pay a debt after the debtor has passed away and who or what may owe the debt can depend on whether the debt is secured or unsecured
● Secured debt is backed by collateral (a tangible asset the lender can repossess or sell if the borrower does
Elder Estate Planning on page 29
not pay back the debt). Common examples of secured debt are mortgages (secured by the real property) and car loans (secured by the vehicle). Secured debts are typically paid off before unsecured debts when a probate estate is settled during the probate process. If estate assets are insufficient to cover the secured debt, the lender can seize the collateral to recoup their losses.
In rare cases and under select jurisdictions, legal protections may be available for surviving spouses who wish to remain in a primary residence subject to a creditor’s claim. These protections may delay or prevent foreclosure if the spouse cannot pay off the mortgage in full.
● Unsecured debt is not backed by collateral (that is, there is no specific asset backing the debt). Unsecured debt includes credit card debt and personal loans.
Unsecured creditors have lower priority than secured creditors in probate. If the probate estate has enough funds, unsecured debts are paid off before any inheritance is distributed. However, if the estate lacks sufficient funds to satisfy all its debts, unsecured creditors are typically
last in line for repayment and may not receive the full amount they are owed.
Funeral expenses also take priority over some creditor claims. Any state and federal taxes that the decedent owes, as well as probate estate administration expenses incurred during probate (e.g., legal and accounting fees), may also supersede creditors.
Knowing which debts have priority over others in probate is the responsibility of the estate’s executor/ personal representative. If the individual assigned this role in an estate plan does not follow state probate laws, they could be personally responsible for debts that should have been paid but were not because the executor did not pay creditors in the correct order.
How To Plan For Debt And Leave More Money For Your Loved Ones
“You can’t take it with you” applies to what you owe every bit as much as what you own.
Your outstanding debt could create potential complications for loved ones. Your family may not personally get stuck with your unpaid bills; however, if you do not pay off your debts before you pass away,
they may be forced to deal with debt collectors harassing or contacting them. Worse still, there may not be any money or property left to distribute to your loved ones in probate court or through the trust after everything has been liquidated to pay creditors. Here are some protections that your loved ones are afforded:
● State and federal law limits whom debt collectors are authorized to contact—and how they can contact them—to discuss outstanding debts. Spouses and other survivors should not automatically assume that they have to pay and should delay any conversation regarding payments of outstanding debts until they have discussed the specific circumstances with a lawyer. Collectors who go too far or provide misleading information can face potential consequences.
● When a beneficiary inherits a home, they also take possession of the home subject to any outstanding mortgage and are ultimately responsible for that debt. Anyone inheriting a home or other significant asset, such as a vehicle, with an outstanding loan balance must know their obligations to the lender. They may have to sell the house to pay off the mortgage or apply to transfer the mortgage to their name. In addition, individuals have the right to refuse a gift from an estate if they do not want or cannot afford it. In some cases, federal law will allow a decedent’s heirs to assume the mortgage on a property without triggering a due-on-sale clause, ensuring that the loan remains in place after the owner’s death.
● Every state has different laws and procedures surrounding debt repayment. Things can quickly get complicated, so it is best to work with a local estate or trust administration lawyer if there are any concerns about how unresolved debts could affect the surviving family.
Estate planning is about the legacy that you leave behind. If that legacy includes debt, an estate planning attorney can offer advice for getting it under control during your lifetime or help your family deal with the consequences of your debts after death. Call us if you need assistance planning for your debt or winding up a loved one’s affairs.
If you have questions about your estate plan and what documents you should have in place to plan your estate, schedule a free consultation today by calling our office at (561) 694-7827, Anné Desormier-Cartwright, Esq., Elder and Estate Planning Attorneys PA, 480 Maplewood Drive, Suite 3, Jupiter, FL 33458.
The content of this article is general and should not be relied upon without review of your specific circumstances by competent legal counsel. Reliance on the information herein is at your own risk, as it expresses no opinion by the firm on your specific circumstances or legal needs. An attorney client relationship is not created through the information provided herein.
To comply with the U.S. Treasury regulations, we must inform you that (i) any U.S. federal tax advice contained in this newsletter was not intended or written to be used, and cannot be used, by any person for the purpose of avoiding U.S. federal tax penalties that may be imposed on such person and (ii) each taxpayer should seek advice from their tax advisor based on the taxpayer’s particular circumstances.
1 Myles Ma, SPFC, 46% of Americans expect to pass on debt to their loved ones when they die , Policygenius (Jan. 9, 2024), https://www.policygenius.com/lifeinsurance/2024-financial-planning-survey-passing-ondebt-after-death.
3 Chris Horymski, Experian Study: Average U.S. Consumer Debt and Statistics , Experian (Feb. 14, 2024), https://www.experian.com/blogs/ask-experian/research/ consumer-debt-study/#s3.
4 Id.
5 Id.
6Bill Fay, What Happens When People Die with Debt: Who Pays? (May 16, 2023), https://www.debt.org/family/ people-are-dying-in-debt.
By Katie Roundtree, Director of Finance and Administration, Northern Palm Beach County Improvement District
If you own property in Florida, you may come across the term “easement.” An easement can influence how you use your property, and the rights associated with it. These legal agreements are often present in areas where the Northern Palm Beach County Improvement District has facilities and maintenance responsibilities. Easements are essential for allowing the district to access locations where it does not have ownership rights, particularly near its facilities, preserves, or waterways.
An easement is a legal arrangement that permits another party to use a specified portion of property for a particular
purpose. It does not grant ownership of the property; rather, it allows the user to utilize the property without the risk of being charged with trespassing. For instance, a water management maintenance easement may exist between two homes, designating an area where the easement holder can travel to access something on the other side. Another example is a flowage easement, which allows water to flow from one location through a body of water owned by someone else. A common easement in this context is a water management easement, usually covering areas where pipes, used for stormwater management, may be buried.
Once both parties agree to the terms of an easement, it is recorded with the Palm Beach County Clerk of the Court. This ensures that any future owners of the property are aware of the easement’s existence. If the property is sold later, the easement will be noted in the title search and property survey to document the easement area.
A water management maintenance easement typically grants the easement owner the rights of ingress and egress, allowing access to the property for maintenance of water management tracts or preserves located on the other side. The easement also allows the agency’s agents and contractors to pass through the property, with or without equipment and vehicles.
As the property owner, you are responsible for maintaining the easement area and keeping it free from plants, trees, fences, and structures, unless specifically permitted through the official permitting process. You cannot block access to the easement. If a permitted fence with gates exists within the easement, access should not be hindered by dogs or security systems. The owner and their contractors have the right to pass through the property safely and without harassment. Additionally, trees planted in water management easements can grow into and damage pipes and structures, potentially impacting stormwater management or causing sinkholes from collapsed pipes.
It’s important to understand the significance of easements on your property and to keep these areas clear of personal belongings. Easements provide necessary access for district employees and contractors to legally enter properties located on the other side. Without this access, maintenance of preserves and stormwater facilities becomes impossible, which could put the district in violation of regulations with the South Florida Water Management District. In some cases, this lack of access may even result in improper functioning of these systems.
For more information, please visit our website at www.npbcid.org, where you can view facility maps that display the locations of easements. Additionally, the site includes a link to our geographical information system (GIS), which presents property information and district facilities in an interactive map format.
NPDES tip: Dirt, oil, and debris that collect in parking lots and paved areas can be washed into the storm sewer system and eventually enter local waterbodies. Sweep up litter and debris from sidewalks, driveways and parking lots, especially around storm drains.
Palm Beach County Property Appraiser’s Office
Dear Taxpayer,
My office is busy preparing the 2025 Tax Roll, a report of the combined value of all the property (real and tangible) in Palm Beach County as of January 1.
This report will reflect market data gleaned from property sales last year as well as new construction, demolition, land splits, land combinations, ownership changes, and additions or removals of exemptions.
The numbers cited below are as of January 9 and are subject to change.
Our estimates show modest increases in sales volume over last year, indicating stabilization in the market.
• Commercial sales are up from 818 to 880 or 7.6%
• Condo sales are up from 16,877 to 17,417 or 3.2%
• Residential sales are up 17,846 to 18,402 or 3.1%
New construction reflects the growth of our county as an estimated 5,000 new structures will be added to the 2025 Tax Roll. The rate of growth in single family homes is slightly down compared to last year. While more condos are projected be added this year than last, fewer new commercial buildings will be added.
• New Single-Family Homes – 3,512 down 1.5% from 2024
• New Condominium Units – 1,060 up 9.5% from 2024
• New Commercial Buildings – 197 down 28.1% from 2024
New construction numbers represent property that has never been taxed before, adding new value to the 2025 Tax Roll. This contributes to the tax base while sharing the tax burden.
The deadline to file for a homestead exemption is March 3 this year. This is an excellent time of year to review your homestead exemption status and examine additional exemptions that may yield tax savings. In this month’s newsletter, you will find information to help you do just that. I hope you find it useful.
If you are a permanent Florida resident, you may be eligible for a homestead exemption, which can save you generally $750 to $1,000 in property taxes each year. All homestead exemption applications must be submitted by March 3, 2025.
A $25,000 exemption is applied to the first $50,000 of your property’s assessed value if your property is your permanent residence and you owned the property as of January 1. This exemption applies to all taxes, including school district taxes. An additional exemption (up to $25,000 plus an increase for inflation) will be applied if your property’s assessed value is between at least $50,000 and $75,000. This exemption is not applied to school district taxes. In addition, a homestead exemption limits any increase to your assessed value to a maximum of 3% each year or the amount of the change in the Consumer Price Index, whichever is lower.
Three ways to apply:
• E-file at pbcpao.gov
• Visit one of our five service centers to file in person
• Complete the application online, print it out, and mail it to the Property Appraiser’s Office
Once you qualify, your homestead exemption will be renewed for you annually as long as you continue to qualify for the exemption.
Additional Exemptions
If you receive a homestead exemption, you may be eligible for additional exemptions or discounts in the categories listed below. The application deadline for all additional exemptions is March 3, 2025.
• Civilian Disability
• Institutional Exemptions
• Florida Law Enforcement and First Responders (Disabled in the line of duty)
• Living Quarters for Parents or Grandparents (also known as the Granny Flat)
• Senior Citizen (Limited-Income)
• Veterans Disability
• Widow/Widower Exemption
For more information, visit pbcpao.gov or call Exemption Services at (561) 355-2866.
Portability — You Can Take It With You !
If you sell your home and buy a new one, there is good news – you may not lose all the tax savings accumulated over the years.
Portability refers to Florida’s Save Our Homes provision which allows you to transfer all or a significant portion of your tax benefit, up to $500,000, from a home with a homestead exemption to a new home within the state of Florida that qualifies for a homestead exemption. The application deadline for portability is March 3, 2025. You can e-file for portability when e-filing for your homestead exemption. Or, if you have already filed for a homestead exemption and need only to file for portability, visit our website or call Exemption Services at (561) 3552866.
Office Closed Due To Holiday
In honor of Presidents’ Day, the Palm Beach County Property Appraiser’s Office (including all of our Service Centers) will be closed on Monday, February 17, 2025
Dear Friends:
On Tuesday, January 7, 2025, I had the honor of taking the Oath of Office as your Palm Beach County Tax Collector for the sixth time. This swearing-in ceremony was special as both Wendy Sartory Link, Supervisor of Elections, and I were sworn into office during a joint ceremony, held at the new Supervisor of Elections headquarters near the Palm Beach Airport.
Tax Talk
TCO Collects Socks For Homeless Children
I am pleased and proud to announce the success of our office’s holiday sock drive. We challenged our employees to donate 3,000 pairs of socks for homeless students in our local schools.
As I begin this term as your tax collector, I will continue to focus on ensuring that we provide the residents of Palm Beach County an exceptional service experience whether visiting us in-person at one of our service centers, calling us on the phone or conducting business online. My staff and I are committed to providing our clients unparalleled service that inspires trust, and we are looking forward to our next interaction with you. Thank you for the honor of serving as your constitutional tax collector!
Anne M. Gannon, Constitutional Tax Collector, Serving Palm Beach County
Welcome Yvette
Our employees demonstrated their commitment to our community and exceeded that goal by collecting 4,011 pairs of socks. The sock drive benefits Living Hungry, a local nonprofit.
Socks are one of the most-requested items among homeless children. The socks will soon be distributed to homeless school children in Palm Beach County. Living Hungry partners with the school district to deliver supplies to homeless students in Palm Beach County.
My employees and I look forward to our continued partnership with Living Hungry as we work to provide assistance and support for these deserving homeless children in Palm Beach County.
Read more about our organization’s community involvement at www.pbctax.gov/about-us/#community.
Vote-By-Mail
Coming off of this past year’s busy election season, it is time to focus on the several municipal elections coming up in March for the following municipalities:
If you plan to vote by mail in this election, be sure to request a vote-by-mail ballot; changes to Florida law requires you to make a request for a vote by mail ballot after each general election. For more information about vote by mail, visit www.votepalmbeach.gov/Voters/Vote-By-Mail.
I am pleased to welcome the newest member of our senior leadership team, Yvette Klepper! Yvette joined our organization as our chief personnel officer and will lead our Human Resources Department, bringing more than 20 years of human resources experience with her. Previously, Klepper had leadership roles at the National Council on Compensation Insurance (NCCI) and Mod Med, both located in Palm Beach County.
“I have enjoyed meeting the employees here at the tax collector’s office. Everyone has been so friendly and welcoming,” said Klepper. “I am anxious to get to work and I look forward to visiting all of our service center locations to meet more of our staff.”
Klepper earned a bachelor’s degree from Loyola University in New Orleans and a master’s degree from Palm Beach Atlantic University. A Palm Beach County native, she enjoys spending time outdoors, doing everything from boating to camping.
Welcome, Yvette!
Boynton Beach
Highland Beach
Lake Park
Lantana
Pahokee
Riviera Beach
Golf
Jupiter
Lake Worth Beach
Loxahatchee Groves
Palm Beach Gardens
Royal Palm Beach
Important Dates for Municipal Election Day, Tuesday, March 11, 2025
Deadline to register to vote Monday, February 10, 2025
Deadline to request that a Vote-by Mail ballot Thursday, February 27, 2025, by 5:00 p.m.
Not available
Early Voting
Deadline to return your Vote-by-Mail ballot Tuesday, March 11, 2025, by 7:00 p.m. to our Main Office or by 5:00 p.m. to a Branch Office
Run-Off Election Day (if necessary) Tuesday, March 25, 2025
Local Government on page 37
Friday, February 28, 2025
Join for all or part of the March from 2pm to 4pm
to
The Town Council works with our town manager, staff and others to address issues affecting our residents and businesses.
The following provides a summary of actions and achievements since last month’s community newspaper report: Strategic Plan 2025-2027
Town Of Jupiter News
The Town Council began work in January 2025 on the annual update of the Town of Jupiter’s Strategic Plan. New strategic initiatives have been identified as well as key next steps to take on
By Jim Kuretski, Mayor, Town of Jupiter
multiyear strategic initiatives that were already in the overall strategic plan.
There will continue to be significant efforts to bring to fruition a number of traffic mitigation solutions for the western portion of Indiantown Road. These roadway capacity improvement project solutions are being implemented in phases spanning years due to FDOT and Town of Jupiter funding constraints. We will also be reactivating a project to implement traffic signalization improvements along the western portion of Indiantown Road including use of new technologies and equipment. This will require collaborative efforts by our town along with FDOT and Palm Beach County. Palm Beach County has overall accountability for managing traffic signalization throughout most of the county, including Jupiter.
One of the new strategic initiatives that I identified relates to historic preservation. We should continue ongoing efforts to collaboratively work with the Suni Sands property owner to respect and preserve the unique archeological and historical nature of portions of this unique site.
Specific action plans are being developed for each strategic initiative item. Funding needs are then addressed during the town’s annual budget process as well as those of other governmental agencies with associated accountabilities. Action plan assignments are made to town staff and Town Council members to collaboratively work to achieve the desired outcomes and results.
U.S. 1 Bridge
The first two lanes of the under construction, replacement/new U.S. 1 bridge were placed into service on Dec. 31, 2024. The remaining two lanes are expected to be placed into service during the second quarter, 2025. The new bridge is taller and will therefore require much less openings for boat traffic. The pedestrian and bicyclist facilities on the new bridge represent exceptional enhancements for public use, as the old bridge had no such provisions.
Jupiter’s Centennial Celebrations
Our Town of Jupiter reaches 100 years of existence on Feb. 9, 2025. We have planned for an entire year of celebrations and community events. Find the complete schedule of events at the town’s website at Jupiter.fl.us/ Centennial.
Stay tuned.
Rex Recommends Palm Beach Symphony
Glorious Tchaikovsky, Ravishing Ravel Review by Rex Hearn
In their third concert of the season on Jan. 13, Palm Beach Symphony once again proved that they now rank with America’s top orchestras. A packed Kravis Center heard Jennifer Higdon’s “blue cathedral,” Ravel’s Piano Concerto in G Major and Tchaikovsky’s Sixth Symphony. Maestro Gerard Schwarz has built an orchestra worth hearing backed by countless enthusiasts who raise money, led by hard working Chief Executive, David McClymont. Contributions and grants as of May 31, 2023 totaled $2,859,057, and they continue to grow year on year as does its audience through television “specials” and many lively outreach programs. This combination of financial success and creative improvement assures the orchestra of 50 more years. They are now in their 51st season. “Blue cathedral” by American composer, Jennifer Higdon, born 1962, opened the program. It was written in response to the death of her younger brother, Andrew Blue Higdon, age 33, from an aggressive form of skin cancer. Representing “journeys we make in our lives and the inner travels to where our souls carry us,” Higdon’s music is ethereal from start to finish.
Halfway through there is a magnificent orchestral crescendo that dies away to a quiet ending of small Chinese bells, hardly audible to the naked ear. It’s a lovely mysterious piece, well-liked by the public with over 700 performances so far. This idea of replacing a familiar “overture” with a contemporary work at the beginning of a concert gives needed exposure to composers like Ms. Higdon. After all, every piece of music was once new. I first heard pianist Jean-Yves Thibaudet at a Tanglewood concert in the Berkshire Hills of Massachusetts where the Boston Symphony have had their summer home for 88 years now. Back then the very young pianist had a “quirk”: he wore bright red socks! If anything, his “touch” has gotten more mature. When I first heard him, I considered him a great pianist and something of a showman, and, why not, he is exceptional and still in demand. Whereas many of his contemporaries have moved over to academia or the recording studio. Ravel wrote his G Major piano concerto soon after completing his famous Concerto for the Left Hand, commissioned by a pianist friend who was maimed in World War I. Like the French Impressionist painters, Ravel rejected the traditional forms, saying, “The old concertos were written not for, but against the piano.” So he opens his G Major concerto with the crack of a whip, a sound made by smashing two long boards together in the percussion, after which the pianist is integrated into the orchestra as one of them; literally with a part to play alongside.
In the slow movement the pianist plays solo for a third of the time, as if in a serious reverie. Thibaudet got the sad mood across with drooped shoulders and restrained playing: the “showman” again. Reverie music is picked up by the orchestra, they and the soloist continue “in conversation” to great effect; Thibaudet enjoying every moment at the keyboard.
The last movement echoes the start of the first, this time with a drum roll. And it’s off we go into a series of restless figures interrupted by cheeky contributions from soloists in the orchestra, including a solo tuba! This happy concerto, full of youthful exuberance met with appreciative applause. It was a memorable performance.
The great symphonies of the world’s composers test the mettle of every orchestra.
Last night, The Palm Beach Symphony’s performance of Tchaikovsky’s 6th, the Pathetique , reminded us how great they can be. It was another refined performance from the baton of Maestro Schwarz verging on complete
perfection. I was given to thinking about what Sir John Barbirolli said of the Halle Orchestra he had to rebuild after World War II took so many male players. He praised each new player saying that they could stand alone as soloists at the drop of a hat.
So it was for this orchestra, the many solo parts that led to fine expositions were all superb.
I would have wished for a stronger clarinet sound though. Maestro Schwarz had each section take a well-deserved bow. Alas, we must still work on the new audiences whose halfhearted applause at the end let the players go far too soon. More Bravos would be a good start. …
