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FAIRFIELD COUNTY

BUSINESS JOURNAL January 11, 2016 | VOL. 52, No. 2

14 | GOOD THINGS HAPPENING

4 | M&A ACTIVITY

YOUR ONLY SOURCE FOR REGIONAL BUSINESS NEWS

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New Canaan keeps antiquity relevant HISTORICAL SOCIETY ADDS SUBSTANCE TO HOSPITALITY

BY BILL FALLON bfallon@westfairinc.com

ew Canaan is often cited as a haven for modern architecture, including famously the Glass House of Philip Johnson, but also the works of a cadre of Harvard-trained architects who settled there and left their marks in glass and stone. The New Canaan Historical Society promotes that heritage and seemingly dozens more — including sculpture, books, clocks, map collections, even a massive apothecary setup that includes the nostrums of the town’s century-old Cody Pharmacy — and makes the treasures open for the public and for business groups of up to 35. The meeting room is itself historic, featuring three » NEW CANAAN page 11

Janet Lindstrom identifies New Caanan on a 19th-century regional map. Photo by Bill Fallon

The futurists in the gray-flannel suits BUSINESS COUNCIL GETS ITS GAME JAM ON

BY BILL FALLON bfallon@westfairinc.com BUILDING A TECH COMMUNITY DIFFERS from building other communities. Once in place, the freeform tech community — fueled by projects — possesses the

power organically to attract businesses that need to tap its talent for specific projects. Such a tech community lacks the brick and mortar of communities past, but face time still matters and the talent must be in a certain physical place and

not located solely on the Internet. What might appear a loose configuration of people who are all good with computers in fact requires what Business Council of Fairfield County President/CEO Chris Bruhl called, “a deliberate effort to make it happen.” It is an equation playing out in Durham, N.C., Nashville, New Orleans, Boston and along the sawtooth stretch of Connecticut shoreline between Stamford and New Haven, the recently branded iCoast. “Large companies help small companies,” Bruhl said. “The smaller companies lack recruiting

power. The larger companies need a talent community that works in increments of 20-month gigs.” Last fall at the Stamford Innovation Center, the Business Council of Fairfield County supported the Stamford-based Shippan Institute’s efforts to rally the local tech community for a successful hackathon that across a weekend produced a detailed map of Stamford. In 2016, there could perhaps be no better way to demonstrate a tech community is thriving locally than to show the entire world you’ve got game, specifically that the region possesses

the talent to participate in the Jan. 29-31 Global Game Jam, run locally by the Business Council of Fairfield County and hosted by the Stamford Graduate Center of Sacred Heart University at its 1 Landmark Square campus in Stamford. The game jam sponsor list offers a barometer of the importance of the issue. It includes CTNext, a program of Rocky Hillbased Connecticut Innovations, which partners with venture capitalists, lenders, government entities, private industry and universities to promote tech compa» FUTURIST, page 6

Medical marijuana a growing success in Connecticut BY REECE ALVAREZ

enough that in June 2015 the department issued a request for applications for new dispensaries, specifically in New Haven and he medical marijuana program in Fairfield counties, where 1,997 and 1,817 Connecticut is rapidly growing with patients are currently registered, respecthe amount of registered patients tively — by far the largest concentrations of more than doubling in the first year of patients in the state. The third largest patient population is in operation and close to doubling again in the New London with 771 patients. last six months. With two counties comprising more than “We thought we would get to 6,000 at the end of the year, we are almost at 8,000,” 50 percent of the total patient population, said Jonathan A. Harris, commissioner of more dispensaries are needed beyond the Connecticut’s Department of Consumer single locations that currently serve each county, Harris said. Protection. His office has collected 19 applications, According to the department, which oversees the medical marijuana pro- slightly fewer than the 27 received at the gram, in June 2014 the program had 1,398 program’s inception, with the expectation registered patients. A year later the number that up to three new dispensaries will be of patients rose to 4,100 and as of December selected by the end of March. Only four companies are permitted to 30, there were 7,912 patients. If the trend continues at its current pace produce medical marijuana in the state, and of approximately 400 new patients per with supply more than meeting demand month, Harris conservatively estimates the there is no immediate need to increase program could grow to more than 10,000 the number of suppliers, though that may patients by the end of the year, particularly change as the program evolves, Harris said. Angela D’Amico, co-owner of the as the stigma surrounding the drug dissipates and a growing body of research identi- Compassionate Care Center in Bethel, also known as D&B Wellness, has seen her patient fies more medical applications. base grow dramatically sheAM began pro-1 The program’s growth has been steady ALS_Fairfield_Business_Journal_ad_V1.qxd:Layout 1 9/1/15since 9:12 Page

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viding medical marijuana in September 2014 when the first crops of medical marijuana were ready for distribution. At that time her dispensary served 250 patients compared with more than 2,100 now, she said. “It has been an amazing ride,” she said. “We fought really hard to get here we went through almost every municipality in Fairfield County. Thank god Bethel accepted us.” Serving patients for little more than a year, D’Amico said business has been very rewarding with clear successes in patient care including reduction in tumors and treatment of opiate addiction. “We have hundreds of patients getting off opiates,” she said. “We were able to get them off and they go on concentrated high dose oil and we are having a lot of success.” Both D’Amico and Harris cite the ongoing regional and national crisis with opiate and opioid addiction as a key areas where medicinal marijuana has been particularly successful and will likely help propel the case for its effectiveness as medicine. “It is becoming actually more viable because of the crisis we are having with opioids,” Harris said. “This is a really good alternative in many ways without the prob-

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lems of addiction and injury and death from overdose.” Along with an increase in patients, D’Amico said doctors are also increasingly approaching her dispensary to learn more about the marijuana as medicine. “We are still working on fighting the stigma,” she said. “The thing is for us to really get out there and educate doctors so they are comfortable and knowledgeable about the medicine.” However, the number of doctors who have embraced the program is significantly rising, Harris said. In September 2014, 81 physicians were registered to recommend marijuana to their patients. At the end of December 2015 that number had risen to 405, Harris said. “There was some understandable — and there is still I’m sure — reluctance by physicians,” he said. A primary source of concern among physicians is the legal grey area in which the state program operates, he said. Marijuana is a “schedule 1” drug under the Controlled Substances Act, a category reserved for substances considered to have a high potential for abuse and considered » » MARIJUANA page 4

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FAIRFIELD COUNTY BUSINESS JOURNAL • Week of January 11, 2016

BY DEVON FLEMING

2015 marks a record high for M&A activity

o understand why 2015 was such a tremendous year for mergers and acquisitions, one needs to look at why we have been in one of the most attractive “deal” environments — particularly for sellers — that we have seen in a long time. Buyers and sellers are both motivated. For businesses valued at more than $3 million, a strong seller’s market has been created by private equity groups (PEGs) flooded with cash, but it won’t last forever. For those businesses valued at less than $3 million, which are generally too small for PEG investments, a different kind of flood is looming on the horizon — mass baby boomer retirement. The third-quarter Market Pulse Report published by the International Business Brokers Association (IBBA), M&A Source, and Pepperdine Private Capital Market Project indicates both a strong sellers and buyers market, depending on the size of the enterprise. A recently released BlumShapiro-Uconn report assessed the impact of Connecticut’s aging generation of baby boomers on business, demonstrating a rising demand coming from sellers as they continue to age and need to either sell, recapitalize or liquidate. Whereas, the most recent IBBA “Market Pulse Report” underscores these conclusions and gives a national view of the buyer’s versus seller’s markets. We drew the following conclusions, based on the size of the deal: ■ Businesses valued at less than $1 million are favorable to buyers, although there

was some shifting toward a seller’s market as the economy strengthens and there are more willing buyers. Given the outlook for the retirement of Connecticut business owners, this trend likely won’t continue and the market for businesses valued at less than $3 million will continue to be a buyer’s market. The buyer’s market will continue to strengthen over time as the buyer-to-seller ratio continues to decrease. Owners who are looking to sell now should go to market before the flood of baby boomers hits. ■ Businesses with valuations of more than $3 million, according to the third quarter “Market Pulse Report,” are in a very strong seller’s market. With record-breaking estimates of $1.1 trillion to $1.4 trillion of “dry powder,” a term used to describe the reserves of unspent cash, the money isn’t only available but needs to be spent by PEGs that are under pressure to buy in order to generate expected returns. ■ Attractive companies, those with strong value drivers, are bringing in hig h valuations from PEGs with a need to invest cash and a willingness to pay for quality. Companies valued at $3 million to $5 million, for many PEGs, are considered as add-on acquisitions. Addon acquisitions are companies purchased to complement existing companies within the PEG portfolio, called investment platforms, in order to pool resources and gain market strength. For companies in this range, a business broker can help you seek out PEGs with relevant platforms.

Marijuana —

In June 2015 Harris’ department launched a marketing campaign via medical journal websites and information sessions to help dispel misunderstandings and get more physicians on board with the program. D’Amico cites the campaign as a positive effort in the push to bring marijuana out of the era of “Reefer Madness” and into the field of medicine. Despite the growing success of the medical program, D’Amico said anyone who entered the industry in the hopes of cashing in was mistaken, particularly under the current scheduling of the drug. “We pay most of the profits to the government at the end of the year,” she said.

» From page 2

to have no medical use including heroin, cocaine and LSD. “In general at some point they (physicians) would like the federal government to catch up to where the states are moving and at least recognize that marijuana has medical value to it and take it from controlled 1 to controlled 2, which is still highly regulated,” Harris said. “I think they would like that because that would take away their fear of (losing) their federal drug license.”

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4 Week of January 11, 2016 • FAIRFIELD COUNTY BUSINESS JOURNAL

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Or write to: Fairfield County Business Journal 3 Westchester Park Drive, Suite G7 White Plains, N.Y. 10604-3407 westfaironline.com Publisher • Dee DelBello Associate Publisher • Anne Jordan Managing Editor • Bob Rozycki Editor • Bill Fallon

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Devon Fleming

As demonstrated in the “Market Pulse Report,” the larger the deals are, the stronger the seller’s market is. Companies whose earnings are $750,000 to $1 million or more are in a really good position to reach valuation levels that attract the interest of PEGs with cash to burn. Especially those with earnings of more than $1 million. However, with such high unspent cash levels, a market correction will take place at some point and could significantly change the market landscape. Devon Fleming is a senior advisor at VR Nutmeg in its Connecticut of�ices since early 2015. She can be reached at 203-773-3773 ext. 105.

She considers her business a philanthropic endeavor helping severely ill patients. With additional qualifications for medical marijuana likely to be added by the end of March, the program is poised for continued expansion, Harris said. “I can envision it within the next five to 10 years having 2 percent of the population or so that are patients,” he said. “With those numbers you are looking at the 70,000 to 75,000 range. I think that is realistic if things keep going, but there are a lot of moving parts.”

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FAIRFIELD COUNTY BUSINESS JOURNAL • Week of January 11, 2016

Futurists — » » From page 1

nies; plus the Business Council of Fairfield County’s Tech Talent initiative backed by The Ashforth Co.; Deloitte; First County Bank; Frontier Communications; KPMG LLP; PwC LLP; UIL Holding Corp.; and Wells Fargo Bank N.A. The A100 apprenticeship program — a successful New Haven program started by Independent Software that the business council brought to Stamford — is another example of helping to craft a tech community. The A100 program addresses a problem of the new economy. There are many with some coding experience, but who lack the skills to jump into a small or midsize shop and immediately produce. “Only the largest companies could afford to train them and that’s not realistic,” said Bruhl. He said the first A100 Stamford class had just graduated 20. Bruhl said A100 is an early result of the iCoast idea. “A100 is based in New Haven and they came because in the iCoast vision, it’s the same place. It’s an example of bringing in a successful resource.” Bruhl also said localizing the A100 effort began with a relationship, a council specialty. “What do you have for me?” he said. “What can we do for you? Someone has to be the orderly manager of those practices. That’s the business council.” At the Young Professionals Network of Fairfield County, another business council initiative, there is a 5-minute survey designed to steer the council’s 2016 events: when they should be held and what their thrust should be. Social media, naturally, is a survey-listed potential topic among more typical business arenas like medicine or food and beverage. Bruhl cited several broad pushes that he termed the council’s signature initiatives. They include: Infrastructure and resilience: Bruhl

aligned this category with the business council’s traditional concerns of energy and transportation, but noted new thinking must also factor climate change and rising seas. Human capital: “This is about how employers attract and maintain workers, but we also look at higher education as a system and on workforce development, which has its own, complete focus.” He and the business council also cite “health competitiveness” as a human capital component. Bruhl said 20 percent of the U.S. gross domestic product goes to health care and that health and wellness are integral to human capital. Innovation and entrepreneurship: “We de facto expanded this 3 years ago and last year formalized it,” Bruhl said. “We had turned from startups and early-stage companies and from companies that just didn’t have the time to participate in our programs because they were busy making sales and opening the shop. We had inadvertently acquired less and less understanding of startups and smaller companies.” Bruhl said the corporate executive network assembled by the business council can be hamstrung as far as adding local jobs, “But they want to help.” He said this quest for best practices from among executives – a hallmark of the business council regardless of the effort – has revealed, “Nobody gets it all right. But we can learn from business groups and from public-private partnerships guided by private-sector vision leaders,” he said. Bruhl specifically cited zoning adjustments as an example where government can partner in ways independent of spending. The business council today is providing development consulting services to 22 companies. Its track record is of having helped some 60 companies intensely and a total above 100 companies with services that might include access to capital, strategic planning, talent recruitment or, Bruhl said, “Just solving issues.” As the business council sees it, there are

Chris Bruhl in the Business Council of Fairfield County offices in Stamford.

many stable small businesses. Some could grow and need help to do it and some do not want to grow. “They have different needs and they have overlapping needs,” Bruhl said. The council helps both types. The council’s Growth Network works with those who work with small businesses. The network taps accountants, attorneys, brokers and consultants — people Bruhl termed “repositories of small business knowledge” — to address “systemic, broader regional issues” affecting small business. “We’re hearing people are anxious about the talent supply, that talent is leaving,” Bruhl said. “There is a real need for improving the interaction between higher education and business. “In 2012, we discovered there was an

enormous appetite among HR leaders to meet and talk. We included colleges and nonprofits in the conversation.” The upshot has been participation from more than 70 employers. Bruhl acknowledged there can be a generational divide in the business world. “One of the important values of the business council is that we need to understand the entire business community,” he said. “We cannot focus on the established successes with long careers. We must look at the person hired two days ago or who is forming their own business. “We may have no familiarity with that new business, but we support the effort. It’s like heart surgery. I can’t participate because I don’t know how to perform heart surgery. But I know it really matters.”

Hospital rebrands its weight loss center

reenwich Hospital’s Weight Loss and Diabetes Center is now the Center for Behavioral and Nutritional Health, remaining at 55 Holly Hill Lane in Greenwich. The new name, according to a statement, will better reflect the 113-year-old hospital’s “longstanding focus on health and wellness.” “The new name is significant because the mission of the Center for Behavioral and Nutritional Health extends beyond the scope of weight and diabetes management,”

said Norman G. Roth, Greenwich Hospital president. “The name reflects the full array of services that we have been providing for a long time to keep people healthy.” In a prepared statement using the center’s acronym, the hospital said, “At CBNH, a multidisciplinary team of health care professionals focuses on promoting health and wellness plus managing and preventing acute and chronic illness.” “We work with patients and primary and specialized health care professionals to promote the psychological, behavioral

6 Week of January 11, 2016 • FAIRFIELD COUNTY BUSINESS JOURNAL

and nutritional changes needed to manage and reduce the risk of complications associated with medical conditions,” said Joshua Hrabosky, the center’s manager. Services include behavioral therapy to address the psychological, emotional and behavioral symptoms that contribute to illness; nutritional counseling to prevent or treat medical problems; weight management; and diabetes education and management. “CBNH experts will continue collaborating with Greenwich Hospital’s bariatric surgery team to provide services and sup-

port patients who have undergone or are planning to have weight loss surgery,” the statement said. “Our highly personalized approach features individualized treatment based on each person’s specific needs. Treatment is provided by in a safe, supportive and medically sound environment,” said Hrabosky. The 206-bed Greenwich Hospital is a member of the Yale New Haven Health System. More information is available at greenwichhospital.org. — Bill Fallon

Checking in at the Hi-Ho

THOSE WHO KNEW IT WILL FIND IT CHANGED FOR THE BETTER BY REECE ALVAREZ ralvarez@westfairinc.com

otel Hi-Ho’s massive neon sign, a Fairfield landmark on Black Rock Turnpike for more than half a century, is beaming once again thanks to new ownership along with a contemporary makeover to carry the historic hotel through the 21st century. “It is nearly a brand new hotel,” said Edward Gormbley, co-owner of the hotel along with Clay Fowler of Spinnaker Real Estate Partners. After the hotel shut down in 2013 following a steady decline into dilapidation, Gormbley, a principal of Workforce Partners real estate firm, said he jumped at the opportunity to renew the property which was a fixture of his youth growing up in Bridgeport.

As someone who has dedicated a lifetime to the business, Percell said the reopening has been like a rebirth. Both he and Gormbley said the improved hotel has been met with a welcome reception from the public, with a fresh batch of rave reviews on TripAdvisor and local officials and organizations rolling out the red carpet. The Nov. 20 ribbon cutting was attended by Fairfield First Selectmen Michael Tetreau along with a cadre of community members. “The town is so pleased to see this iconic Hotel revitalized,” Tetreau said in a recent statement. “The numerous changes that were made to this landmark will help attract more visitors to our beautiful community that has so much to offer. This ‘country chic’ » » HI-HO page 11

Fairfield First Selectman Michael Tetreau, with scissors, at the refurbished Hotel Hi-Ho with new co-owner Edward Gormbley at the Nov. 20 ribbon cutting. Photo Courtesy Hotel Hi-Ho

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The interior of Hotel Hi-Ho has been modernized with contemporary design, but the facade retains its historic appearance and iconic neon sign.

“I remember driving up Route 58 and along the Merritt (Parkway) seeing that red neon Hi-Ho sign — it was burned into my brain,” he said. “For me it is a great revitalization story.” Built in the 1950s, the colonial style building has always been a hotel, according to Edward Percell, who has worked at the hotel in various capacities, including as general manager, since 1976. During the early decades of its existence the hotel was the only lodging between Stratford and Greenwich until the building of Route 7 and the commercial expansion that followed, Percell said. “It was a goldmine in the ‘70s and ‘80s,” he said, taking advantage of its unique location and abundance of corporate travelers.

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FAIRFIELD COUNTY BUSINESS JOURNAL • Week of January 11, 2016

THE LIST COMMERCIAL DEVELOPERS

FAIRFIELD COUNTY

Commercial Developers Listed alphabetically.

The Ashforth Co.

707 Summer St., Fourth floor, Stamford 06901 359-8500 • ashforth.com

Berkshire Industrial Corp.

2 Parklawn Drive, Bethel 06801 743-7201 • berkshirecorporatepark.com

Building and Land Technology

1 Elmcroft Road, Suite 500, Stamford 06902 846-1900 • bltoffice.com

Collins Enterprises LLC

1455 E. Putnam Ave., Second floor, Old Greenwich 06870 358-0004 • collins-llc.com

Empire State Realty Trust *

Metro Center, 1 Station Place, Stamford 06902 353-5200 • empirestaterealtytrust.com

F.D. Rich Co.

222 Summer St., Stamford 06901 359-2900 • fdrich.com

Project cost range

Brian P. Heelan, SVP and director of operations Kim DePra info@ashforth.com 1896

$1 to $20 million

WND info@berkshirecorporatepark.com 1969

43,200

Bethel

WND

Carl R. Kuehner III Ted Ferrarone info@bltoffice.com 1982

6 million

Stamford

More than $100 million

Arthur Collins and Dwight Collins Dwight Collins dcollins@collins-llc.com 1991

280,000

Westchester County and $115 million Connecticut

Includes 14 classrooms

Fairfield

$24 million

650 units in partnership with Ironstate Development

Stamford

More than $100 million

Anthony E. Malkin, chairman, and president 1987

CEO

Thomas L. Rich Francine Manfredi fmanfredi@fdrich.com 1920

125,000

Michael Kolakowski, president and CEO Allan Kleban, vice president, business development Simon Etzel, senior vice president Eric Brown, senior vice president akleban@kbebuilding.com 1959

Jewish Senior Services Harriet & Bridgeport Jeanette Weinberg Campus

$75.6 million

Mitchell E. Hersch Ilene Jablonski info@mack-cali.com 1949

736 units, in partnership with Ironstate Development

Jersey City, N.J.

WND

Marcus Partners Inc.

David P. Fiore dfiore@marcuspartners.com 2008

460,000

Secaucus, N.J.

$86 million

National Resources

Joseph Cotter 1993

100,000

Yonkers, N.Y. $50 million

R.D. Scinto Inc. *

Robert D. Scinto 1974

294,000

Trumbull

$1 to $20 million

RMS Companies

Randy Salvatore info@rms-companies.com 1995

70 rental townhomes with clubhouse and pool

Danbury

John DiMenna Jr. Greg Stanton gstanton@seaboardproperties.com 1993

135,230

Stamford

$20 to $100 million

Clayton Fowler kimberly@spinrep.com 1950

200,000

Fairfield County

$60 million

Stanley M. Seligson Jeff Kaplan jkaplan@seligsonproperties.com 1985

1.2 million

Norwalk

More than $100 million

501 Kings Highway East, Fairfield 06825 696-1000 • fischelproperties.com

KBE Building Corporation

76 Batterson Park Road, Farmington 06032 860-284-7110 • kbebuilding.com

Mack-Cali Realty Corp.

343 Thornall St., Edison, N.J. 08837 732-590-1000 • mack-cali.com

301 Merritt 7, Norwalk 06851 762-7200 • marcuspartners.com

485 W. Putnam Ave., Greenwich 06830 661-0055 • nationalresources.com

1 Corporate Drive, Suite 100, Shelton 06484 929-6300 • scinto.com

1 Landmark Square, Stamford 06901 968-2313 • rms-companies.com

Seaboard Properties *

1 Atlantic St., Stamford 06901 357-1600 • seaboardproperties.com

Spinnaker Real Estate Partners LLC

1 N. Water St., Suite 100, South Norwalk 06854 354-1547 • spinrep.com

Stanley M. Seligson Properties *

605 West Ave., Norwalk 06850 857-5600 • seligsonproperties.com

Fairfield

$1 to $20 million

This list is a sampling of commercial developers serving the region. If you wish to include your company in our next listing, please contact Danielle Renda at drenda@westfairinc.com. * Information taken from the 2015 listing and updated using company websites whenever possible. NA Not available. WND Would not disclose.

8 Week of January 11, 2016 • FAIRFIELD COUNTY BUSINESS JOURNAL

50, flex space

Full-design build, from land planning to construction management

70, residential

Real estate development, investment, construction, management and ownership

20% medical and offices; 80% apartments

Jonathan Eckman jeckman@fischelproperties.com 1970

Fischel Properties *

Construction, property management and investments

Development, leasing, management, construction

1, multifamily

Full-service commercial real estate development company, including new construction and rehab developments, real estate brokerage, property management and business consulting

Leasing, marketing, construction, legal, accounting, asset and property management

85, residential

Preconstruction services, building 60, includes: K-12, information modeling, value engineering, higher education, constructability reviews, construction senior housing, management, design-build and general federal and municipal contracting

Full-service real estate company, acquisitions, development, assets and property management, financing and consulting

Services provided

other

Locality

retail

Square footage

Construction classification percentages

office

Largest project under construction

industrial

Top local executive(s) Contact person Email address Year company established

hotel

Name Address Area code: 203, unless otherwise noted Website

100, multifamily

Leading owner, manager, and developer of urban waterfront, transit-based office properties and luxury multi-family communities in the northeast

20, medical lab

Real estate investment, development and management

Development and management

Site selection, acquisition, construction

WND

Real estate developer

50, apartments

Stamford-based owners, managers and developers of hotel, office and apartment projects located in Stamford

90, residential

Acquisition, development and management, urban planning, engineering, design execution

90, residential

Owner and manager of a real estate portfolio in excess of one million square feet of residential, office, retail, medical and light industrial buildings

BY NORMAN G. GRILL

A fresh take on employee stock ownership plans

ike many employers, you may encourage employees to “buy in” to what your company is trying to accomplish. With an employee stock ownership plan (ESOP), employee participants literally buy into the business through a retirement savings arrangement. Meanwhile, you can benefit from an extra-motivated workforce, potential tax breaks and a relatively smooth path to management succession. Of course, there are risks to consider. Indeed, statistics show that many employers find that giving employees part ownership of their companies can boost performance. For example, more than three-quarters of respondents to the 23rd Annual Economic Performance Survey, released in 2014 by the Employee Ownership Foundation, said their ESOPs positively affected overall productivity. What’s more, 70 percent reported that revenue increased while 64 percent saw a jump in profitability. When a business owner is ready to retire or otherwise depart the company, the plan can play a practical role, too. ESOPs create a ready market for company stock. So the business can make tax-deductible contributions to the ESOP to buy out a departing owner’s shares or have the ESOP borrow money to buy the shares.

An ESOP can be a good way to motivate your employees and fund their retirements, while also accessing the associated tax and succession planning benefits.

To be truly ready to establish an ESOP, the current owners of a company’s stock must be willing to sell their shares. Assuming they are, the business will need to engage an independent appraiser to complete an unbiased valuation. This is key, as the Department of Labor has initiated legal action against fiduciaries that allowed their ESOPs to buy company stock at other than market value. To implement the plan, a company typi-

cally establishes a trust fund and either: ■ contributes shares of stock or money to buy the stock (an “unleveraged” ESOP); or ■ borrows funds to initially buy the stock, and then contributes cash to the plan to enable it to repay the loan (a “leveraged” ESOP). The shares in the trust are allocated to individual employees’ accounts, often using a formula based on their respective compensation. Most companies will work with an attorney to develop a formal plan document that states (among other things) the ESOP’s purpose, the way it will operate, and its eligibility and participation requirements. An ESOP’s stock is often held in the name of a trustee, such as a bank or trust company. The trustee has fiduciary responsibility and must act in the best interests of the plan and its participants. The company has to formally adopt the plan and submit plan documents to the IRS, along with Form 5309, “Application for Determination of Employee Stock Ownership Plan,” and Form 5300, “Application for Determination for Employee Benefit Plan.” The IRS reviews this information to determine whether the plan qualifies for the tax benefits. It’s essential for an employer to effectively communicate plan information to participants. Doing so is not only required by law, but, without this information, the positive impact an ESOP can have on workers’ motivation and productivity may be diminished. Among the biggest benefits of an ESOP is that contributions to qualified plans typically are tax deductible for employers. But employer contributions to all defined contribution plans, including ESOPs, are generally limited to 25 percent of covered payroll. In addition, C corporations with leveraged ESOPs can deduct contributions used to pay interest on the loan. That is, the interest isn’t counted toward the 25 percent limit. Dividends paid on ESOP stock passed through to employees or used to repay an ESOP loan, so long as they’re reasonable, may be tax-deductible for C corporations. Dividends voluntarily reinvested by employees in company stock in the ESOP also are usually deductible by the business. (Employees, however, should review the tax implications of dividends.) In another potential benefit, shareholder(s) in some closely held C corporations can sell stock to the ESOP and defer federal income taxes on any gains from the sale, with several stipulations. One is that the ESOP must own at least 30 percent of

the company’s stock immediately after the sale. In addition, the sellers must reinvest the proceeds (or an equivalent amount) in qualified replacement property securities of domestic operation corporations within a set period of time. (An ESOP’s tax impact for other entity types varies. Ask your financial adviser for details.) Employees don’t pay tax on stock allocat-

ed to their ESOP accounts until they receive distributions. But, as with most retirement plans, if they take a distribution before they turn 59½ (or 55, if they’ve terminated employment), they may have to pay taxes and penalties — unless they roll the proceeds into an IRA or a successor plan. ESOPs have a number of compelling benefits, but they’re not for every organization. For » ESOP page 10

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ESOP — » From page 9

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starters, many partnerships and professional corporations are prohibited from implementing them. A company that does establish one will need to buy the shares of employees who leave, which can substantially affect cash flow. And the cost to establish an ESOP in the first place can easily run to five or six figures. In addition, because ESOPs are a type of employee retirement plan, most must comply with the Employee Retirement Income Security Act. Among other requirements, most ESOPs must cover the full-time employees who meet the company’s stated age and service criteria. Typically, participants must be vested in their account shares within three to six years. Ultimately, these plans tend to work

best in companies that can maintain strong cash flow and generate a substantial amount of taxable income. Keeping sales and profits relatively stable is important as well. An ESOP can be a good way to motivate your employees and fund their retirements, while also accessing the associated tax and succession planning benefits. But you’ll need to assemble a team of trusted internal voices and expert external advisors to determine whether one of these arrangements would benefit your organization. Norman G. Grill, CPA, (N.Grill@ GRILL1.com) is managing partner of Grill & Partners, LLC, (www.GRILL1.com) certi�ied public accountants and advisors to closely held companies and high-net-worth individuals, with of�ices in Fair�ield and Darien; phone 203-254-3880.

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HOSPITALITY

New Canaan — » From page 1

Works Progress Administration murals — wall-sized in the manner of Depressionera WPA murals — of life in Colonial New Canaan. (Canaan, broadly, was the land of the Bible and the murals embrace piety as their theme.) Architecture spanning classic New England saltboxes to supermodern cubes infuses New Canaan’s DNA. The historical society’s executive director, Janet Lindstrom, keeps framed local examples of old and new architectural styles on her desk. She was married to a Harvard-trained architect, now deceased, who designed the home on 2 acres in which she lives. Lindstrom oversees the New Canaan Historical Society campus as well as its satellites, including the Gores Pavilion at Irwin Park. The historical society has for 10 years run the pavilion, the one-time studio of architect Landis Gores, as a center with a mission “to promote awareness of New Canaan’s modern house treasures.” Lindstrom’s office is in the Town House and Library, which also houses garments from the 18th through 20th centuries. Lindstrom said the clothing collections end in the 1930s. The bar for entry today would be a piece by a top designer or a piece worn by a notable New Canaan resident. The society sponsors two costume shows per year. The Town House, which was New Canaan’s first Town Hall, and the ca. 1764 Hanford-Silliman House are original to the historical society’s Oenoke Ridge 2-acre parcel. The Hanford-Silliman House is home to the society’s mid-18th-century works. The building was a former tavern and, appropriately, pewter works are a notable historical

Hi-Ho — » From page 7

hotel adds a strategic need for our community to have more hotel facilities for visitors who want to stay overnight so they can spend time in Fairfield.” The hotel, purchased for $4.3 million in 2014, underwent a “soup-to-nuts” renovation, including completely modernized rooms with contemporary furnishings and décor. The hotel has a close association with Barcelona restaurant, also at the 4180 Black Rock Turnpike address, which will

The Cody Pharmacy collection. Photo by Bill Fallon

society collection. The satellite Gores Pavilion has an offsite cousin in the Little Red School House on Carter Street. Other on-site New Canaan Historical Society’s buildings include the John Rogers Studio. The 1878 studio, which is on the National Register of Historic Places as well as being a National Historic Landmark, was moved to the historical society campus 55 years ago and today celebrates his work and that of other sculptors. The Oenoke Ridge site features collections of books on subjects like antiques and a trove of genealogical data. The Harry Hilbert collection, for example, features books on antiques. Hilbert was a well-known antique dealer and basket maker, whose baskets fill

the collections of major museums and of the historical society. Another collection features books written by New Canaan authors. “It is fascinating to see people really get interested in their more scandalous ancestors,” Lindstrom said. “They love it when they find some fact that is – what to call it? – frightening, maybe a stabbing. There’s an interest in the people who were quite known as the bad boys in town.” The campus also features “A Winter’s Tale,” going on until March, something of a tour de force of antique clothing. If a museum’s job is, at least partly, to light the imagination by bringing the past to life, “A Winter’s Tale” is an appropriate example. In it, stylish residents of Victorian-era New Caanan sashay around a room in the com-

pany of their elegantly dressed peers (all are mannequins) on their way to a holiday celebration. Lindstrom, who along with Penny Havard heads the costume committee consisting of Pamela Huth, Jenn Milani, Mike Murphy and Nancy Stass, said nicer clothes tended to get preserved. “We have the tuxedoes,” she said. “The clothes they worked in, that got holes in them, those we don’t have.” Mindful of wintertime transportation at the time, the historical society offers details like a stone foot warmer and an authentic buffalo blanket for that one-horse open sleigh ride. The website for the 125-year-old historical society is NCHistory.org.

provide room service. In addition to concierge services that will facilitate dinner and theater reservations with Fairfield local business, expanded luxury amenities such as a hot tub and spa are possible in the future, said Fritz Chery, director of marketing and sales for the hotel. The hotel has maintained its 40-room capacity and features a personal touch from Gormbley, who said he enjoys being handson with his projects — one of the draws to this particular endeavor, he said. “We have the best linens you can buy, the softest beds you can buy, I literally

went and had mattresses custom made. It’s one of the best night’s sleeps you’ve ever had,” he said. “It is a wonderful turnaround story. I do projects like this all the time if I can find them.” Gormbley and Spinnaker have made somewhat of a pattern of restoring old Fairfield hotels. The pair unveiled the refurbished Fairfield Circle Inn to a similarly warm reception in July 2015. So far business has been good at the Hi-Ho, but winter can be a slow time for the hotels, Gormbley said. “We will slow down a little in January and February and continue going gangbusters as

the spring starts to sprout,” he said. Both he and Percell are optimistic the iconic location will remain a fixture in the community, with Percell committed to working at the hotel up until his retirement. “What we are really selling is a boutique experience in the Connecticut suburbs,” said Gormbley. “It has a historic place in Connecticut’s memory and frankly, even to this day when people drive down the Merritt they say ‘I am near the Hi-Ho.’ It is such a landmark we think it is going to have a special place in people’s memories. When people think about nostalgic places — few places like the Hi-Ho offer that.”

FAIRFIELD COUNTY BUSINESS JOURNAL • Week of January 11, 2016 11

First Arts & Culture Empowerment Awards Breakfast The Cultural Alliance of Fairfield County is pleased to request nominations for its Arts & Culture Empowerment (ACE) Awards, which will be presented at a breakfast in Norwalk on May 19. This inaugural event aims to recognize the passion for arts and culture in Fairfield County as well as the quality and diversity of our arts and cultural offerings. Arthur Levitt, former chairman of the federal Securities and Exchange Commission and currently a director at Bloomberg LP, parent of Bloomberg News, will be the keynote speaker. The nonmonetary awards will celebrate those who have either made significant contributions to the community through arts and culture or who have enriched the arts and culture sector through volunteerism or patronage in Fairfield County. ACE awards will be given in the following categories: Artist Award: Recognizes a creative individual who demonstrates commitment, creativity and excellence within or for the artistic community. Citizen Award: Recognizes an individual whose dedication through volunteerism and/or financial support have contributed to the enrichment and prosperity of arts and culture.. Corporate Award: Recognizes a business that through encouragement and patronage has helped broaden the interest and support of arts and culture or that has made a significant contribution to the economic development of its community through the creative sector. Educator Award: Recognizes an individual, nonprofit or creative business that has made a meaningful impact on the arts and cultural education of students, young adults or others through innovative programming, increase in access or advocacy. Nonprofit Award: Recognizes an arts and cultural organization or leader that has made a significant contribution through visionary leadership, innovative change, community engagement or artistic excellence. To submit nominations, please visit surveymonkey.com/r/ ACEAwards2016 or contact us at Angela@CulturalAllianceFC. org. for more information. For nominations in multiple categories, you must enter each nomination separately. The Cultural Alliance of Fairfield County is proud to be the organization that works behind the scenes to support our 325 members as they produce the valuable programming that crosses boundaries that often divide us: age, race, religion, gender and appeals to our shared interests. We look forward to celebrating, with you, the dedicated and passionate individuals who contribute to the enrichment of Fairfield County’s Arts and Culture sector. Angela Whitford, executive director Cultural Alliance of Fairfield County The mission of the Cultural Alliance of Fairfield County is to support cultural organizations, artists and creative businesses by providing promotion, services and advocacy. For more information, visit CulturalAllianceFC.org or email info@CulturalAllianceFC.org or call 256-2329. For events lists, visit FCBuzz.org.

Curtain Call’s 25th Season Features ‘Calendar Girls’ Based on the true story of 11 women who posed nude for a calendar to raise money for the Leukemia Research Fund, “Calendar Girls” is playing in The Dressing Room Theatre of Curtain Call Inc. through Jan. 24. The Dressing Room Theatre provides cabaret-style seating and a BYO- everything format. In the play, when Annie’s husband John dies of leukemia, she and best friend Chris resolve to raise money for a new settee in the local hospital waiting room. They manage to persuade four fellow club members to pose nude with them for an “alternative” calendar, with a little help from hospital porter and amateur photographer Lawrence. The news of the women’s charitable venture spreads like wildﬁre and hordes of press soon descend on the small village of Knapeley in the Yorkshire Dales.

The fundraising phenomenon of “Calendar Girls” was inspired by the death of Angela Baker’s husband John Richard Baker, an assistant national park officer for the Yorkshire Dales National Park Authority, who died from nonHodgkin’s lymphoma at the age of 54 in 1998. During his illness Angela’s friends began to raise money, initially with the aim of purchasing a sofa for the visitors’ lounge in the hospital where John was treated. Nothing could have prepared them for the way their original calendar took off (selling 202,000 copies in the first year). To date they have raised over £3 million for Leukaemia & Lymphoma Research, the U.K.’s leading blood cancer charity. For more information and tickets, please visit curtaincallinc.com.

Fairfield County Antique and Design Expands to Greenwich Fairfield County Antique and Design, along with Isabella Garrucho Fine Art, is expanding its footprint with a new Greenwich location. The modern art and furnishings showroom, at 45 E. Putnam Ave., will feature contemporary and emerging artists, plus designer furnishings and accessories. Its constantly changing displays and inventory will serve as a satellite location to feature its more than 70 amazing antique, vintage, designer, jewelry, couture and fine art dealers. Isabella Garrucho, who has been a staple in the fine art collector community for more than 30 years, will curate amazing art exhibits on a rotational basis as well as feature works from her portfolio of established artists, including Robert Motherwell, Terry O’Neill, Masaaki Noda and Won Lee, to name a few. Isabella will offer art consulting services and ev-

erything from art investment to installation. Geoffrey Walsky, owner of Fairfield County Antique and Design Center, will feature mid-century and modern furnishings by iconic names such as Warren Planter, Charles and Ray Eames, Milo Baughman, Paul Evans and Florence Knoll, to name a few. Additionally, the showroom will feature collections from some of the more than 70 unique dealers showcasing their offerings at the main Norwalk/Westport location. Walsky will offer product sourcing, design consulting and luxury staging services. The showroom will have a soft opening just after the New Year but will officially open with a collection by Artist Paul Manes titled “The Monochromatic World of Paul Manes,” on Jan. 21, 6-8:30 p.m. Contact us at fairfieldantiqueanddesign. com or 203-826-8575.

Visit FCBuzz.org for more information on events and how to get listed. 12 Week of January 11, 2016 • FAIRFIELD COUNTY BUSINESS JOURNAL

Presented by: Cultural Alliance of Fairfield County

FACTS & FIGURES on the record BUILDING PERMITS

COMMERCIAL Advanced Window Systems LLC, contractor for Gaynel Turner-Whyte. Install new vinyl replacement windows in a condominium unit at 37 Orange St., Unit J, Stamford. Estimated cost: $9,200. Filed between Dec. 14 and Dec. 18. Aquarion Water Company of Connecticut, contractor for self. Add pole lights to the interior of an existing commercial space at 35 Buck Hill Road, Easton. Estimated cost: $65,000. Filed November 2015. Castovillari, John, et al. Stamford, contractor for self. Construct a new bank facility at 313 Hope St., Stamford. Estimated cost: $0. Filed between Dec. 14 and Dec. 18. Dwyer, John G., contractor for Gateview Associates. Remove and replace the roofing on an apartment complex at 910 Hope St., Unit 116, Stamford. Estimated cost: $275,000. Filed between Dec. 14 and Dec. 18. Ficarra, Elaine, Bridgeport, contractor for PT Barnum Foundation Inc. Strip and reroof an existing commercial space at 147 McKinley Ave., Bridgeport. Estimated cost: $8,745. Filed Dec. 9. Fifth Realty LLC, Monroe, contractor for self. Renovate the interior of an existing commercial space at 230 Roosevelt Drive, Monroe. Estimated cost: $57,800. Filed Dec. 1. Gill and Gill Architect, Norwalk, contractor for New Beginnings Family Academy. Perform an interior alteration in an existing commercial space at 184 Garden St., Bridgeport. Estimated cost: $6,000. Filed Dec. 17.

Items appearing in the Fairfield County Business Journal’s On The Record section are compiled from various sources, including public records made available to the media by federal, state and municipal agencies and the court system. While every effort is made to ensure the accuracy of this information, no liability is assumed for errors or omissions. In the case of legal action, the records cited are open to public scrutiny and should be inspected before any action is taken. Questions and comments regarding this section should be directed to: Bill Fallon c/o Westfair Communications Inc. 3 Westchester Park Drive, Suite G7 White Plains, N.Y. 10604-3407 Phone: (914)694-3600 Fax: (914)694-3680

Hoffman Landscapes Inc., Wilton, contractor for the state of Connecticut. Perform alterations to an existing commercial space at 647 Danbury Road, Wilton. Estimated cost: $20,000. Filed Dec. 1. Hudson Construction Association, Danbury, contractor for Grant Hill Properties LLC. Perform alterations to an existing commercial space at 555 Danbury Road, Wilton. Estimated cost: $90,000. Filed Dec. 8. Magna Construction Limited LLC, contractor for Summer West Holdings LLC. Renovate the interior of an existing commercial space at 388 Summer St., Stamford. Estimated cost: $80,000. Filed between Dec. 7 and Dec. 11. Magna Construction Limited LLC, contractor for One Harbor Point Square LLC. Perform interior renovations of an existing commercial space at 2200 Atlantic St., Unit S1, Stamford. Estimated cost: $350,000. Filed between Dec. 7 and Dec. 11. Mones, Ron, Stamford, contractor for self. Install a catwalk in a wash bay on the property of an existing commercial space at 90 Magee Ave., Stamford. Estimated cost: $134,000. Filed between Dec. 7 and Dec. 11. Rizzo Corp., contractor for Jar Associates. Remove a wall and replace the fixtures in an existing commercial space at 6 Federal Road, Danbury. Estimated cost: $1,000. Filed Dec. 10. Rozell Builders Inc., Carmel, N.Y., contractor for Wilton GSE LLC. Perform alterations to an existing commercial space at 372 Danbury Road, Wilton. Estimated cost: $145,000. Filed Dec. 2. SAI Acquisitions Inc., contractor for 48 Newtown Road Corp. Replace a cell tower on an existing commercial space and add equipment at 48 Newtown Road, Danbury. Estimated cost: $60,000. Filed Dec. 8. Town of Weston, Weston, contractor for self. Remove and replace the antennas on an existing commercial space at 56 Norfield Road, Weston. Estimated cost: $20,000. Filed Dec. 17. Transcend Wireless, contractor for Lee Farm Partners LLC. Modify existing telecommunications equipment at 83 Wooster Heights, Danbury. Estimated cost: $15,000. Filed Dec. 10. Wayne Dimm Enterprises Inc., Ridgefield, contractor for Commerce Park LLC. Add two new bathrooms to an existing single-family residence and partitions to an existing commercial space at 90 Danbury Road, Ridgefield. Estimated cost: $60,000. Filed Dec. 11.

RESIDENTIAL AM Construction and Home Improvement LLC, contractor for Bjat Tirablebylu Trivkram, et al. Perform alterations and additions to an existing single-family residence at 1280 Long Ridge Road, Stamford. Estimated cost: $187,000. Filed between Dec. 7 and Dec. 11. Ambrose, Joseph, Easton, contractor for self. Remove a tank from an existing single-family residence at 69 Burroughs Road, Easton. Estimated cost: $1,000. Filed November 2015. Amici Power Solution LLC, contractor for Wendell W. Gunn, et al. Add a generator to the interior of an existing single-family residence at 23 Joan Road, Stamford. Estimated cost: $12,000. Filed between Dec. 14 and Dec. 18. Antonelli, John E., contractor for Ruth L. Freedman. Remove sheetrock at a condominium at 49 Riverside Ave., Unit 21, Stamford. Estimated cost: $50,000. Filed between Dec. 7 and Dec. 11. Ashby, Charleen, Easton, contractor for self. Strip and reroof an existing single-family residence at 14 Morehouse Road, Easton. Estimated cost: $27,043. Filed December 2015. Building By Design LLC, contractor for Jeffrey Sunshine, et al. Remove and replace the roofing on an existing single-family residence at 36 Laurel Ledge Court, Stamford. Estimated cost: $15,200. Filed between Dec. 7 and Dec. 11. Burns, Kimberly A. and Thomas T. Burns, Wilton, contractor for self. Perform residential alterations to an existing single-family residence at 19 Wilridge Road, Wilton. Estimated cost: $10,000. Filed Dec. 1. Burr Roofing Siding & Windows, Stratford, contractor for Kristian W. Ingwersen. Perform minor renovations to an existing single-family residence at 6 Kensett Ave., Wilton. Estimated cost: $7,728. Filed Dec. 16. Camron, Mary, Bridgeport, contractor for self. Add a roof to an existing single-family residence at 1636 Chopsey Hill Road, Bridgeport. Estimated cost: $6,000. Filed Dec. 10. Caputo, Anthony, Weston, contractor for self. Remodel two bathrooms in an existing single-family residence at 9 Old Kings Highway, Weston. Estimated cost: $13,000. Filed Nov. 30. Conklin, Clara, Easton, contractor for self. Remodel the kitchen, laundry and bathroom in an existing singlefamily residence at 28 Harvest Moon, Easton. Estimated cost: $25,000. Filed November 2015.

Cooper, Larisa, Easton, contractor for self. Replace the furnace in an existing single-family residence at 53 Kachele St., Easton. Estimated cost: $10,465. Filed December 2015.

Glick, Sandra E., Weston, contractor for self. Remove two partitions to create an open plan in an existing single-family residence at 18 Grays Farm Road, Weston. Estimated cost: $10,000. Filed Dec. 2.

D & R Construction LLC, contractor for Tatyana Novikova, et al. Renovate the balconies in an existing commercial space at 41 Rock Spring Road, Unit 10, Stamford. Estimated cost: $24,954. Filed between Dec. 14 and Dec. 18.

Glickstein, Anne and Steven Glickstein, Ridgefield, contractor for self. Add a wood deck and a screen porch to an existing, single-family residence at 5 Revere Drive, Ridgefield. Estimated cost: $21,000. Filed Dec. 11.

D’Arinzo, Daniel, contractor for Phyllis R. Gofstein. Install a generator and transfer switch in an existing single-family residence at 235 Den Road, Stamford. Estimated cost: $9,000. Filed between Dec. 7 and Dec. 11.

Hankla, Mark, Ridgefield, contractor for self. Convert a garage into a playroom, add ﬂooring and doors to an existing single-family residence at 199 Branchville Road, Ridgefield. Estimated cost: $13,398. Filed Dec. 10.

D’Aulair, Ola P., Wilton, contractor for self. Perform residential alterations to an existing single-family residence at 74 Mather St., Wilton. Estimated cost: $100,000. Filed Dec. 1.

Hicks Construction LLC, Ridgefield, contractor for Ridgefield Baptist Church. Overbuild a section of the existing roof on a church so that the main ridgeline continues to the rear, opposing ridge at 342 Danbury Road, Ridgefield. Estimated cost: $4,000. Filed Dec. 11.

Edwards, Mark D., Danbury, contractor for self. Construct a new single-family residence with three bedrooms and two and one-half bathrooms at 28 Candlewood Drive, Danbury. Estimated cost: $195,000. Filed Dec. 10. Elwart Construction LLC, Ridgefield, contractor for Marianne Kaczmarczyk. Perform residential alterations to an existing single-family residence at 17 Roxbury Lane, Wilton. Estimated cost: $200,000. Filed Dec. 15. Erts, Margarite, Easton, contractor for self. Strip and reroof an existing single-family residence at 53 Sherwood Drive, Easton. Estimated cost: $7,800. Filed December 2015. Evans, Elaine, Easton, contractor for self. Remodel three bathrooms in an existing single-family residence at 60 Weathervane Lane, Easton. Estimated cost: $3,500. Filed December 2015. Felton, William, Weston, contractor for self. Renovate the interior and exterior of an existing single-family residence and remove the screen porch and roof at 12 Kettlewold Lane, Weston. Estimated cost: $400,000. Filed Dec. 8. Gao, Ning and Jason Brooks, Weston, contractor for self. Remodel the first ﬂoor, bathroom and expand the kitchen in an existing singlefamily residence at 1 Fall Ridge Road, Weston. Estimated cost: $80,000. Filed Dec. 15. Gelfand, Marvin, Easton, contractor for self. Add a generator to the interior of an existing single-family residence at 11 Chester Road, Easton. Estimated cost: $10,000. Filed November 2015. Geraghty, Joan and Sean Geraghty, Ridgefield, contractor for self. Finish a basement in an existing single-family residence and add a wood deck at 84 Revere Drive, Ridgefield. Estimated cost: $56,300. Filed Dec. 11.

Holland, Gilbert A., Wilton, contractor for self. Perform minor renovations to an existing single-family residence at 211 Linden Tree Road, Wilton. Estimated cost: $2,000. Filed Dec. 11. Huewe, Emma and Russell Huewe, Weston, contractor for self. Add one guest bedroom and a bathroom to an existing single-family residence at 151 Goodhill Road, Weston. Estimated cost: $240,000. Filed Nov. 16. I & S Contracting LLC, contractor for Music Sajo. Add dormers and a basement door to an existing singlefamily residence at 24 Mac Arthur Lane, Stamford. Estimated cost: $21,000. Filed between Dec. 14 and Dec. 18. Kuczo, Stephanie, Stamford, contractor for self. Construct a new threecar detached garage on the property of an existing single-family residence at 2 Cypress Drive, Stamford. Estimated cost: $20,000. Filed between Dec. 14 and Dec. 18.

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Kwan, Bae, Bridgeport, contractor for self. Renovate the interior of an existing single-family residence at 309 Bunnell St., Bridgeport. Estimated cost: $11,500. Filed Dec. 10. Lajoie, Michael, et al., Stamford, contractor for self. Finish the basement in an existing single-family residence at 178 Hunting Ridge Road, Stamford. Estimated cost: $48,000. Filed between Dec. 14 and Dec. 18. Lattimer, David J., Wilton, contractor for self. Perform residential alterations to an existing single-family residence at 184 Nod Hill Road, Wilton. Estimated cost: $40,000. Filed Dec. 1.

Visit FairfieldCountyJobs.com or call (203) 595-4262 for more information

FAIRFIELD COUNTY BUSINESS JOURNAL • Week of January 11, 2016 13

STAFFING FIRM PROMOTES FROM WITHIN Southport-based Mackey & Guasco Staffing LLC promoted Nancy Marino to vice president of recruiting. Marino joined the firm in 2010 as director of recruitment and has more than 20 years experience in corporate hu-

man resources within the staffing industry. In addition to recruiting for direct-hire placements, Marino’s responsibilities will include mentoring the temporary division’s recruiting function and driving sales activities.

Nancy Marino

CFCG NAMES NEW DIRECTOR Bridgeport’s Child & Family Guidance Center (CFGC) appointed Terril Pile as the agency’s new outpatient behavioral health unit director. Pile is replacing Dee Jackson, who held the position for 10 years and retired in December. Pile previously served as the director of

the emergency mobile psychiatric services program at CFGC for four years. Prior to that, he worked as a clinician on CFCG’s mobile crisis team for six years. Pile holds a master’s degree in social work with a focus on social work administration from Fordham University.

Terril Pile

GOOD THINGS HAPPENING EO RECEIVES ROCK STAR AWARD

FIRST COUNTY BANK FOUNDATION ACCEPTING GRANT APPLICATIONS Stamford-based First County Bank Foundation, the philanthropic arm of First County Bank, is accepting 2016 grant applications for nonprofits in lower Fairfield County. The deadline for submitting standard grant applications is March 31. Since

the foundation was formed in 2001, it has awarded more than 1,000 individual grants exceeding $7 million. The grant application form is available on the bank’s website at firstcountybank.com/ application-process.

MENTOR PROGRAM NOTCHES 30 YEARS OF SHARED WISDOM The Human Services Council is hosting a breakfast Jan. 13 to celebrate the 30-year anniversary of the Norwalk Mentor Program. The program, which serves all 19 of Norwalk’s public schools, matches adult mentors with children mentees in grades K-12. The matched pair spends one hour per

week together toward providing both participants with life-changing experiences. The breakfast is 8-10 a.m. at The Norwalk Inn, 99 E. Ave., Norwalk. For more information, contact Kim Killoy, director of development and communication, at kkilloy@ hscct.org.

From left, EO Connecticut members, including Karen Meade-Bentlage, president, Future Industries; Bob LaBonne, president and CEO, Labonne’s Markets; and Ari Santiago, president, IT Direct.

The Connecticut Chapter of Entrepreneurs’ Organization (EO), a peer-to-peer network of more than 11,000 business leaders with 153 chapters in 48 countries, was selected as one of 30 chapters worldwide to be honored with

the Rock Star Award. This award is granted to those chapters that “rocked” EO metrics in areas including, chapter growth, learning, forum strength, communications, financial organizations and member engagement.

UWWC SPONSORS IMAGINATION LIBRARY Danbury’s United Way of Western Connecticut (UWWC) sponsored a contest to promote Imagination Library, a program providing children under age 5 with a free, specially selected book each month. Through these donations, the program strives to foster a love of reading among preschool children and their families. Through the Reading Star Contest, UWWC asked parents of children who receive Imagination Library books to submit a photo of their child reading. Submissions were posted on United Way’s website and viewers were asked to vote. The winner, Aaron Panda of Danbury, who received more than 10,000 votes, became this year’s Imagination Library Reading Star.

Information for these features has been submitted by the subjects or their delegates.

14 Week of January 11, 2016 • FAIRFIELD COUNTY BUSINESS JOURNAL

DATES

BRUCE MUSEUM HOSTS KING HOLIDAY EVENTS

A DECADE OF ‘MONKEY LOVE’

JANUARY 12

The C.H. Booth Library is hosting a networking event for people in the entrepreneurial, home oﬃce and smallbusiness community, noon to 1 p.m., C.H. Booth Library, 25 Main St., Newtown. Guest speaker Hilda Maria Valdespino will present, “Maximizing Your Networking Experience.” For more, visit chboothlibrary.com. From the ninth annual “Monkey Love” drive, pictured back row, from left: Ross James, J-Cuts; Jennifer DeLeon; Lower Naugatuck Valley Boys & Girls Club; Suzanne Reilly, TEAM Inc.; and Nicole Polifka, Bright Horizons. Front row, from left: Jennifer Sneider, owner, J-Cuts; and Bonita Robinson, Milford Department of Children & Families.

Jennifer Sneider, owner of Shelton’s J-Cuts, is leading the 10th year of the annual “Monkey Love” drive to collect stuﬀed monkeys for children. This annual event benefits abused, neglected, impoverished, adopted and sick children, frightened children involved in police calls and children treated for emergencies, cancer or other ill-

nesses at local hospitals. Donations may be dropped off or mailed to J-Cuts at 505 Howe Ave., Shelton, through Feb. 8. Additional drop-off locations include Minuteman Press, 427 Howe Ave., Suite 2, Shelton; and the Greater Valley Chamber of Commerce, 10 Progress Drive, second floor, Shelton. For more, call J-Cuts at 203-924-4107.

One of the performances of the annual Martin Luther King Jr. Family Day. Photograph courtesy the Bruce Museum.

Greenwich’s Bruce Museum is opening with free admission Monday, Jan. 18, for its annual Martin Luther King Jr. Family Day, 10 a.m. to 4 p.m. The event features family activities inspired by current exhibits, in addition to performances by Bright Star Theatre Company. Activities include an 11 a.m. performance of “George Washington Carver and Friends,” an introduction to inﬂuential black Americans of the last 150 years,

ROCCO & ASSOCIATES CONCLUDES TURKEY DRIVE Fairfield-based Rocco & Associates Wealth Management Inc. held its second annual Turkey Drive, yielding $500 in donations to the Connecticut Food Bank. Using a social media-based campaign, the firm created a call-to-action for turkey donations. For every pound of

including Booker T. Washington, Jackie Robinson and Thurgood Marshall; and a 1 p.m. presentation titled, “Struggle for Freedom: The Life of Dr. King,” celebrating the work of Dr. Martin Luther King Jr. in the context of the American Civil Rights Movement. The museum will also host craft activities in the education workshop for all ages throughout the day. For more, visit brucemuseum.org.

BERKSHIRE HATHAWAY NAMES NEW TEAM

turkey donated, Rocco & Associates donated $1 to the Connecticut Food Bank, a nonprofit provider of charitable food donations. Out of more than 700,000 people the food bank supports, more than 300,000 are located within Fairfield County.

JAN. 13

From left, Jo Deupree, Mariella Castagnet, Jane Walters and Rosanne Conoscenti.

Realtor Jane Walters has formed the Jane Walters Realty Group as part of the Berkshire Hathaway HomeServices New England Properties Norwalk oﬃce. The group includes Rosanne Conoscenti, sales execu-

tive; Mariella Castagnet, sales executive; and Jo Deupree, transaction coordinator. The group collectively has more than 30 years experience in real estate. They will serve the lower Fairfield County region.

UWWC HOLDS STAMFORD VOLUNTEER DAY

The Stamford Public Education Foundation (SPEF) received $5,000 through AT&T’s Aspire to support its mentoring program in Stamford high schools. AT&T Aspire is AT&T’s signature education initiative that drives

innovation in education to promote student success. Harry Carey, director of external aﬀairs for AT&T Connecticut, presented the check to Matthew Quinones, CEO, SPEF, Oct. 29.

The Cultural Alliance of Fairﬁeld County has arranged for Ana Fiore of the Fiscal Sponsorship Program of the New York Foundation for the Arts to present a workshop, Tues., Jan. 12, 6-8 p.m. at the Silvermine Arts Center, 1037 Silvermine Road, New Canaan. Register at eventbrite.com.

Women’s Business Development Council is hosting an information session to discuss WBDC’s resources for business and personal ﬁnancial education, noon to 1 p.m., webinar. To register, visit ctwbdc.org.

SPEF RINGS UP $5K AT&T AWARD

From left, holding the check: Lynn Tusa, development director, SPEF; state Sen. Carlo Leone; Harry Carey, external affairs director, AT&T; and Matthew Quinones, CEO, SPEF, surrounded by SPEF mentees.

SCORE Fairﬁeld County and co-sponsor the Norwalk Public Library present “Simple Steps for Starting Your Business: Five Workshops to Lead You to Start-Up Success,” a complimentary smallbusiness workshop, 6-8:30 p.m., Norwalk Public Library, 1 Belden Ave., Norwalk. Check-in begins 5:30 p.m. For more, visit scorenorwalk.org.

The Volunteer Center of Stamford’s United Way of Western Connecticut was scheduled to host its annual Volunteer Day to recognize more than 30 Stamford residents for their contributions to the community, Friday, Jan. 8. The Volunteer Center, which matches

volunteers with nonprofits seeking help, annually recognizes residents for their community involvement. Community leaders nominate volunteers on the basis of achievement and commitment to the Stamford community. More than 80 attendees were expected.

World Aﬀairs Forum is hosting “Demographic Vulnerability: Where Population Growth Poses the Greatest Challenges,” a discussion led by Robert J. Walker, 5:30 p.m. cash bar and hors d’oeuvres, 6:30-8 p.m. presentation, Stamford Yacht Club, 97 Ocean Drive West, Stamford. For more, visit worldaﬀairsforum. org.

JAN. 16 Ridgefield Playhouse is featuring “Three Little Birds,” a musical based on a children’s book of the same name penned by Cedella Marley, daughter of reggae artist Bob Marley, 2 p.m. and 4:30 p.m., 80 E. Ridge Road, Ridgefield. For more, visit ridgefieldplayhouse.org.

FAIRFIELD COUNTY BUSINESS JOURNAL • Week of January 11, 2016 15

FACTS Letourneau Builders LLC, Danbury, contractor for self. Perform residential alterations to an existing single-family residence at 194 Silver Spring Road, Wilton. Estimated cost: $55,000. Filed Dec. 1. Long, Christopher, Stamford, contractor for self. Gut the ceiling and walls in the master bedroom, living room and basement and perform interior renovations at 236 Strawberry Hill Ave., Stamford. Estimated cost: $31,500. Filed between Dec. 14 and Dec. 18. Massey, Michael, Easton, contractor for self. Remodel the bathroom in an existing single-family residence at 244 Redding Road, Easton. Estimated cost: $8,750. Filed November 2015.

Porter, Brian, Weston, contractor for self. Renovate the bathroom in an existing single-family residence at 86 Lyons Plain Road, Weston. Estimated cost: $10,000. Filed Dec. 23. Posigen CT LLC, contractor for Augustus C. Julbes, et al. Install a solar array on the roof of an existing singlefamily residence at 55 Crestview Ave., Stamford. Estimated cost: $24,000. Filed between Dec. 14 and Dec. 18. Power Home Remodeling Group, Chester, Pa., contractor for Scott Forrester and Suzanne Forrester. Replace the windows in an existing singlefamily residence at 39 Clearview Ave., Danbury. Estimated cost: $9,103. Filed Dec. 8.

Mavaro, Joseph, Easton, contractor for self. Add a deck to an existing single-family residence at 95 Far Horizon Drive, Easton. Estimated cost: $5,000. Filed November 2015.

Ring’s End Inc., Stratford, contractor for Derek H. Geiger. Perform minor renovations to an existing singlefamily residence at 11 Glenn Ridge, Wilton. Estimated cost: $8,000. Filed Dec. 2.

Miller, Pamela and David J. Miller, Danbury, contractor for self. Strip and reroof an existing single-family residence at 7 Deepwood Drive, Danbury. Estimated cost: $4,000. Filed Dec. 8.

Rivera, Felix, Bridgeport, contractor for self. Repair the fire damage to an existing single-family residence at 632 Halley St., Bridgeport. Estimated cost: $6,000. Filed Dec. 7.

Minor Jr., Reginald A., contractor for Anthony J. Penachio Jr. Add a generator to the interior of an existing single-family residence at 53 E. Cross Road, Stamford. Estimated cost: $11,000. Filed between Dec. 14 and Dec. 18.

Robinson, Mike, Easton, contractor for self. Remodel the kitchen cabinets, windows, bathroom and siding in an existing single-family residence at 62 Wedgewood Drive, Easton. Estimated cost: $72,500. Filed November 2015.

Nelson Roofing & Siding Inc., contractor for Mary S. Kiniry. Strip and reroof an existing single-family residence at 13 Glendale Drive, Danbury. Estimated cost: $15,000. Filed Dec. 8. Nelson, Ayala, Easton, contractor for self. Add solar panels to the roof of an existing single-family residence at 58 Rocky Ridge Road, Easton. Estimated cost: $7,000. Filed December 2015. New Dimensions Remodeling Inc., contractor for Opokua Y. Kwapong. Install a generator in an existing single-family residence at 200 Hunting Ridge Road, Stamford. Estimated cost: $5,000. Filed between Dec. 7 and Dec. 11. Nicola, Robert, Easton, contractor for self. Renovate an old farmhouse at 88 Staples Road, Easton. For no consideration paid. Filed November 2015. O & C Roofing LLC, Bridgeport, contractor for Steven Klinko. Add fire doors to an existing single-family residence at 550-552 Laurel Ave., Bridgeport. Estimated cost: $14,500. Filed Dec. 11. Peloso, Gary J., Danbury, contractor for self. Convert a garage into a living space in an existing single-family residence at 37 Hawley Road Extension, Danbury. Estimated cost: $3,000. Filed Dec. 10. Poccia, Frank J., et al., Stamford, contractor for self. Replace the roof on an existing two-family residence at 70 Quintard Terrace, Stamford. Estimated cost: $15,000. Filed between Dec. 14 and Dec. 18.

Roof Diagnostics Solar and Electric, contractor for Stanley Huminski Jr. Add solar panels to the roof of an existing single-family residence at 5 Dogwood Drive, Danbury. Estimated cost: $16,793. Filed Dec. 8. Royle, Kathleen and Austin Royle, Wilton, contractor for self. Perform residential alterations to an existing single-family residence at 10 Tamarack Place, Wilton. Estimated cost: $15,500. Filed Dec. 8. Schirmer, Maria and Henry Schirmer, Danbury, contractor for self. Strip and reroof an existing single-family residence at 97 Padanaram Road, Danbury. Estimated cost: $2,000. Filed Dec. 8. Segal, Jonathan, Monroe, contractor for self. Add a generator to the interior of an existing single-family residence at 37 Bridle Path Terrace, Monroe. Estimated cost: $400. Filed Dec. 2. Slimak, Michael, Easton, contractor for self. Remove the oil tank from an existing single-family residence at 629 Morehouse Road, Easton. Estimated cost: $1,000. Filed November 2015. Solar City, Milford, contractor for Daisy Maxwell. Add structure reinforcing for solar panel installation at 239 Woodrow Ave., Bridgeport. Estimated cost: $4,399. Filed Dec. 7. Solar City, Milford, contractor for Michelaire Saint Julien. Add structure reinforcing for solar panel installation at 95 Greyrock Road, Bridgeport. Estimated cost: $4,493. Filed Dec. 7.

FIGURES

THD at Home Services Inc., Shrewsbury, Mass., contractor for David J. Lippman and Dawn A. Newsom. Replace the windows in an existing single-family residence at 37 Barnum Road, Danbury. Estimated cost: $9,436. Filed Dec. 8.

Yanosy, Victor, Monroe, contractor for self. Add a generator to the interior of an existing single-family residence at 107 Cuttlers Farm, Monroe. Estimated cost: $4,000. Filed Dec. 2.

THD at Home Services Inc., Shrewsbury, Mass., contractor for Sam A. Defranco. Install replacement windows in an existing single-family residence at 2279 High Ridge Road, Stamford. Estimated cost: $8,100. Filed between Dec. 14 and Dec. 18.

COURT CASES

Toama, Sadiq, Wilton, contractor for self. Perform minor renovations to an existing single-family residence at 107 Pipers Hill Road, Wilton. Estimated cost: $9,000. Filed Dec. 8. Toll CT II L.P., Newtown, contractor for self. Construct a four-unit townhouse building with three bedrooms, two and one-half bathrooms and a two-car garage at Reserve Road, Danbury. Estimated cost: $846,830. Filed Dec. 8. Toll CT II Limited Partnership, Newtown, contractor for Toll Connecticut III Limited. Construct a new townhouse with three bedrooms, two and one-half bathrooms and a two-car garage at 49 Winding Ridge Way, Danbury. Estimated cost: $275,835. Filed Dec. 8. Valencia, Oscar, contractor for Ronny Ceballo, et al. Demolish a garage on an existing single-family residence at 33 Durant St., Stamford. Estimated cost: $3,000. Filed between Dec. 7 and Dec. 11. Village Square Properties LLC, Wilton, contractor for Jeffrey Bates and Andrea Bates. Construct a new single-family residence at 211 Hurlbutt St., Wilton. Estimated cost: $961,400. Filed Dec. 2. Vima Construction LLC, contractor for Arthur S. Colley and Barbara M. Colley. Remove and replace the roofing on an existing single-family residence at 96 Clapboard Ridge Road, Danbury. Estimated cost: $18,832. Filed Dec. 8. Vinylume Inc., contractor for Geoffrey E. Berry, et al. Re-side an existing single-family residence at 122 Clearview Ave., Stamford. Estimated cost: $26,300. Filed between Dec. 7 and Dec. 11. Vitale, Tom, Easton, contractor for self. Add a generator to the interior of an existing single-family residence at 310 Everett Road, Easton. Estimated cost: $2,000. Filed November 2015. Winkovitz, Philip, Easton, contractor for self. Add a generator to the interior of an existing single-family residence at 78 North Park, Easton. Estimated cost: $10,000. Filed December 2015. Winn, Lucinda, Easton, contractor for self. Add a generator to the interior of an existing single-family residence at 20 Sherwood Road, Easton. Estimated cost: $6,000. Filed December 2015.

16 Week of January 11, 2016 • FAIRFIELD COUNTY BUSINESS JOURNAL

The following court cases represent the allegations made by plaintiffs in the initial filings of civil lawsuits, and do not represent legally binding judgments made by the courts.

BRIDGEPORT SUPERIOR COURT Beehive Heat Treating, et al., Norwalk. Filed by Cach LLC, Denver, Colo. Plaintiff’s attorney: J.A. Cambece Law Firm, Beverly, Mass. Action: The plaintiff has brought this breach of contract suit against the defendants alleging that they had failed to make timely payments to the plaintiff for a line of credit. The plaintiff has declared the entire outstanding principal balance of $37,542 due and has made a demand for the balance, yet has not received payment. The plaintiff claims money damages in excess of $15,000, pre-judgment interest, post-judgment interest, attorney’s fees, costs and such other and further relief as may be required. Case no. FBT-cv15-6054120-S. Filed Dec. 18. Crown Fried Chicken, Shelton. Filed by Felipe Hernandez, Bridgeport. Plaintiff’s attorney: Carter Mario Injury Lawyers, North Haven. Action: The plaintiff has brought this personal injury suit against the defendant alleging that he was sitting in chair in a restaurant owned by the defendant and sustained injuries when the chair collapsed, causing injuries. This dangerous condition was allowed to exist due to the negligence of the defendant and its employees in that they failed to inspect the chair in order to ascertain whether it was defective. The plaintiff claims monetary damages in excess of $15,000, and such other relief as this court may deem equitable and just. Case no. FBT-cv15-6054070-S. Filed Dec. 16. Friends of Liberation Programs Inc., Greenwich. Filed by Steven Cleary, Stratford. Plaintiff’s attorney: Czepiga & Soares LLC, Bridgeport. Action: The plaintiff has brought this personal injury suit against the defendant alleging that he slipped on an icy surface owned by the defendant and sustained injury. This icy condition was allegedly allowed to exist due to the negligence of the defendant and its employees in that they failed to remedy the dangerous, slippery and unsafe condition on their property. The plaintiff claims monetary damages within the jurisdiction of the court and such other relief as in law or equity may pertain. Case no. FBT-cv15-6054006-S. Filed Dec. 15.

Greater Bridgeport Transit, Bridgeport. Filed by Amie Whitely, Bridgeport. Plaintiff’s attorney: Law Office of Sam Kretzmer, Bridgeport. Action: The plaintiff has brought this personal injury suit against the defendant alleging that she was on a bus owned by the defendant. The defendant allegedly started driving before the plaintiff was able to sit down, causing her to fall and sustain injuries. The plaintiff claims money damages in excess of $15,000, exclusive of interest and costs. Case no. FBT-cv15-6053960-S. Filed Dec. 14. Interior Planners Inc., et al., Westport. Filed by Cach LLC, Denver, Colo. Plaintiff’s attorney: J.A. Cambece Law Firm, Beverly, Mass. Action: The plaintiff has brought this breach of contract suit against the defendants alleging that they had failed to make timely payments to the plaintiff for a line of credit. The plaintiff has declared the entire outstanding principal balance of $18,773 due and has made a demand for the balance, yet has not received payment. The plaintiff claims money damages in excess of $15,000, pre-judgment interest, post-judgment interest, attorney’s fees, costs and such other and further relief as may be required. Case no. FBT-cv15-6054121-S. Filed Dec. 18. Markel Corp., et al., Glen Allen, Va. Filed by Jennifer Edwards, Bridgeport. Plaintiff’s attorney: Cooper Sevillano LLC, Bridgeport. Action: The plaintiff has brought this breach of contract suit against the defendants alleging that they failed to indemnify and secure proper insurance for a doctor who improperly performed an operation on her. The plaintiff allegedly sued the doctor due to the operation, yet the defendants failed to pay medical malpractice insurance claims. The plaintiff claims monetary damages in excess of $15,000, exclusive of interest and costs. Case no. FBT-cv15-6054106-S. Filed Dec. 17. National Development Resources LP, et al., Purchase, N.Y. Filed by Daniel Ntangu, Bridgeport. Plaintiff’s attorney: Paul J. Ganim, Bridgeport. Action: The plaintiff has brought this personal injury suit against the defendants alleging that she slipped on an icy surface owned by the defendants and sustained injury. This icy condition was allegedly allowed to exist due to the negligence of the defendants and their employees in that they failed to clean the accumulation of ice and snow from their premises. The plaintiff claims monetary damages in excess of $15,000 and such other relief as in law and equity may appertain. Case no. FBT-cv15-6054079-S. Filed Dec. 16.

Oas Properties LLC and New England Home Development LLC, et al., Easton. Filed by Ivanhoe Investment Partners LP and Gate Ridge Trust, Easton. Plaintiff’s attorney: Law Office of Matthew M. Hausman LLC, Trumbull. Action: The plaintiffs have brought this breach of contract suit against the defendants alleging that they entered into a series of promissory notes and mortgages for the purpose of reselling these properties at a later date. There was an alleged shortfall in funding to renovate the properties purchased. The plaintiffs advanced notes to the defendants to cover the lending shortfalls, yet the defendants never fully paid back the debt. The plaintiff claims monetary damages, costs, contract and statutory interest, attorney’s fees and such other and further relief at law or equity as this court may deem just and proper. Case no. FBT-cv15-6054136-S. Filed Dec. 18. Telebeam Telecommunications Corp., et al., Long Island City, N.Y. Filed by Darryl Shaw, Norwalk. Plaintiff’s attorney: James O. Gaston, Bridgeport. Action: The plaintiff has brought this personal injury suit against the defendants alleging that he was hit by a car driven by an employee of the defendants and owned by the defendants. This accident allegedly occurred due to the negligence of the defendants in that they failed to keep a proper distance from the plaintiff. The plaintiff claims monetary damages in excess of $15,000, exclusive of interests and costs. Case no. FBT-cv15-6054066-S. Filed Dec. 15.

DANBURY SUPERIOR COURT The Valley Angler LLC, et al., Danbury. Filed by Federal Insurance Co., Warren, N.J. Plaintiff’s attorney: Jonathan M. Victor, New Fairfield. Action: The plaintiff has brought this suit against the defendants alleging that they brought the boat to the defendants to winterize it. The defendants allegedly failed to properly winterize the boat, leading to cracks, which left the engine inoperable. The plaintiff was allegedly forced to pay insurance coverage to its insured. The plaintiff claims money damages, costs of suit, attorney’s fees, interest and such other relief as to law and equity may apply. Case no. DBD-cv15-6018715-S. Filed Dec. 15. Wahlberg Improvements LLC, et al., Newtown. Filed by Cach LLC, Denver, Colo. Plaintiff’s attorney: J.A. Cambece Law Firm, Beverly, Mass. Action: The plaintiff has brought this breach of contract suit against the defendants alleging that they had failed to make timely payments to the plaintiff for a line of credit. The plaintiff has declared the entire outstanding principal balance of $69,635 due and has made a demand for the balance, yet has not received payment. The plaintiff claims money damages in excess of $15,000, pre-judgment interest, post-judgment interest, attorney’s fees, costs and such other and further relief as may be required. Case no. DBD-cv15-6018753-S. Filed Dec. 18.

FACTS STAMFORD SUPERIOR COURT La Rosa Del Monte Express (Bridgeport) LLC, Bridgeport. Filed by Maria Rivera, Stamford. Plaintiff’s attorney: Mancini Provenzno & Futtner LLC, Southington. Action: The plaintiff has brought this property suit against the defendant alleging that she executed a contract in which the defendant was to transport the plaintiff’s piano. The piano was allegedly damaged when the defendant delivered it to the plaintiff’s residence. The plaintiff claims monetary damages within the jurisdiction of the court. Case no. FST-cv15-6027168-S. Filed Dec. 17. TD Bank NA, Cherry Hill, N.J. Filed by Evelyn Davis, Stamford. Plaintiff’s attorney: Nobile Nagarian & DiSalco LLP, Bronxville, N.Y. Action: The plaintiff has brought this personal injury suit against the defendant alleging that she tripped on debris on a sidewalk owned by the defendant and sustained injuries. This dangerous condition was allegedly allowed to exist due to the negligence of the defendant and its employees in that they permitted their sidewalk to be in a defective condition. The plaintiff claims monetary damages in excess of $15,000, exclusive of interests and costs. Case no. FST-cv15-6027122-S. Filed Dec. 14.

FEDERAL DISTRICT COURT Barberino Car Country LLC, et al., Watertown. Filed by Qunity Allen and Allison M. DeSouza-France, Waterbury. Plaintiff’s attorney: Consumer Law Group, Rocky Hill. Action: The plaintiff has brought this truth-inending suit against the defendants alleging that they set their retail purchase higher than the manufacturer’s suggested retail price. The defendants allegedly falsely included a trade in in their sales contract and committed credit card application fraud. The plaintiff claims actual damages, punitive damages, costs, attorney’s fees and such other and further relief as may pertain in law or equity. Case no. 3:15-cv-01831-VLB. Filed Dec. 17.

Burris Logistics Inc., Milford. Filed by Melvin Overstreet. Plaintiff’s attorney: Sabatini & Associates, Newington. Action: The plaintiff has brought this disability suit against the defendant alleging that it employed the plaintiff, who was disabled. The plaintiff allegedly took a medical leave from work because the medication for his knee impaired his ability to operate machinery. The plaintiff was allegedly terminated in a pretext to mask unlawful disability discrimination. The plaintiff claims monetary damages of $500,000, compensatory damages, back pay, front pay, bonuses, personal days, lost pension, consequential damages, punitive damages, attorney’s fees, costs, liquidated damages and such other and further relief as may pertain in law or equity. Case no. 3:15-cv-01826-AWT. Filed Dec. 16.

Continental Service Group Inc. Filed by Damon B. Bates. Plaintiff’s attorney: Law Office of Joanne Faulkner, New Haven. Action: The plaintiff has brought this fair debt collection suit against the defendant alleging that it levied an illegal collection fee on top of a debt it attempted to collect from the plaintiff, causing damages. The plaintiff claims damages, costs, attorney’s fees and such other and further relief as may pertain in law or equity. Case no. 3:15-cv-01822-VAB. Filed Dec. 16. Gallagher Bassett Services Inc., Itasca, Ill. Filed by SPARTA Insurance Co., Hartford. Plaintiff’s attorney: Reid & Reige PC, Hartford. Action: The plaintiff has brought this breach of contract suit against the defendant alleging that it agreed to act as thirdparty claims administrator for the policies issued by the plaintiff. The defendant allegedly agreed to indemnify and hold the plaintiff harmless. The defendant allegedly improperly rejected a settlement offer of an underlying claim in a lawsuit, causing the plaintiff to pay out more in settlement claims than it could have. The plaintiff claims monetary damages, costs, prejudgment interest, post-judgment interest and such other and further relief as may pertain in law or equity. Case no. 3:15-cv-01827-VLB. Filed Dec. 16. Safeguard Properties LLC, Valley View, Ohio. Filed by Strawbridge Association Inc., Rockville. Plaintiff’s attorney: Law Office of Stuart G. Blackburn, Windsor Locks. Action: The plaintiff has brought this property damage suit against the defendant alleging that it was contracted to winterize property owned by the plaintiff. The pipes burst in the plaintiff’s property, allegedly due to the failure of the defendant to properly instruct employees on how to winterize houses. The plaintiff claims compensatory damages, delay damages, interest, attorney’s fees, costs and such other and further relief as may pertain in law or equity. Case no. 3:15-cv-01833-MPS. Filed Dec. 17.

DEEDS

COMMITTEE DEEDS Andresen, Jeanne M. and Adrian J. Bowles, et al., Westport. Appointed committee: Anthony E. Ahern, Westport. Property: 22C Cross Highway, Westport. Amount: $596,602. Docket no. FST-cv-13-6017874-S. Filed Dec. 17. Prendergast, Linda, et al., Newtown. Appointed committee: Victoria J. Koch, Monroe. Property: 324 Guinea Road, Monroe. Amount: $154,000. Docket no. FBT-cv-13-6038915-S. Filed Dec. 8. Tranquillo, Michele, et al., Stratford. Appointed committee: Joseph A. Siciliano, Stratford. Property: 337 Weber Ave., Apt. 28, Stratford. Amount: $13,500. Docket no. FBT-cv14-6047017-S. Filed Dec. 15.

COMMERCIAL 1364 King St. LLC, Greenwich. Seller: Pamela K. Turner, Greenwich. Property: 1364 King St., Greenwich. Amount: $710,000. Filed Dec. 2. 22 Hollow Wood Lane, Rye, N.Y. Seller: Franco Fazzolari and Teresa Fazzolari, Rye, N.Y. Property: 24 Hollow Wood Lane, Greenwich. Amount: $1. Filed Dec. 3. 27 York LLC, Greenwich. Seller: 27 Baldwin Farms South LLC, Greenwich. Property: 27 Baldwin Farms South, Greenwich. Amount: $6.2 million. Filed Dec. 2. 38-44 Main Street LLC, Shelton. Seller: Kimball Land Holdings LLC, Monroe. Property: 2 Victoria Drive, Monroe. Amount: $509,600. Filed Dec. 10. 49 Beachside Acquisition LLC, Westport. Seller: Alan E. Levi and Renee A. Levi, Baltimore, Md. Property: 49 Beachside Ave., Westport. Amount: $4.3 million. Filed Dec. 16. 54 Mallard LLC, Greenwich. Seller: Carol Davis, Naples, Fla. Property: 54 Mallard Drive, Greenwich. Amount: $1.4 million. Filed Dec. 9. Alba Realty LLC, Weston. Seller: VFC 2013-1 B Properties LLC, Waco, Texas. Property: Unit 3B in Greenwich Towers Condominium, Greenwich. Amount: $732,500. Filed Dec. 4. Federal Home Loan Mortgage Corp., McLean, Va. Seller: Steven G. Dyer and Stephanie L. Dyer, Stratford. Property: 80 Candlewood Road, Stratford. For no consideration paid. Filed Dec. 14. Herde Construction LLC, Oxford. Seller: Dominick Feliconio and Carolyn Feliconio, Trumbull. Property: Unit 511J of Northbrook of Monroe, Monroe. Amount: $171,000. Filed Nov. 23. Kam Fai Realty LLC, Stratford. Seller: Cheung’s Realty LLC, Stratford. Property: 301 McGrath Court, Stratford. For no consideration paid. Filed Dec. 8. Lobalbo Brothers Realty LLC, Stamford. Seller: Thomas V. Costigan, Stamford. Property: 38 Camp Ave., Stamford. Amount: $600,000. Filed Dec. 11. National Residential Nominee Services Inc., Brookfield. Seller: Megan B. Couch and William W. Couch III, Weston. Property: 1 Aspetuck Glenn, Weston. Amount: $1.2 million. Filed Nov. 13. Shelter Rock Associates LLC, Danbury. Seller: Shelter Rock Business Center LLC, Danbury. Property: 22 Shelter Rock Road, Danbury. Amount: $10.4 million. Filed Dec. 9. Staffordshire Properties LLC, Wilton. Seller: Johnstone Associates LLC, Wilton. Property: 503 Danbury Road, Wilton. Amount: $655,000. Filed Dec. 1.

FIGURES Yeung’s Realty LLC, Westport. Seller: Kaja Holdings 2 LLC, Columbia, S.C. Property: 354 Garidaldi Ave., Stratford. Amount: $83,000. Filed Dec. 15.

Felizardo, Michael S., Danbury. Grantor: Anne K. Felizardo, Newtown. Property: 31 Purcell Drive, Danbury. For no consideration paid. Filed Dec. 7.

Henry, Allan, Stratford. Grantor: Milan Fanclik, Bridgeport. Property: 363C Granfield Ave., Stratford. Amount: $17,500. Filed Dec. 16.

QUIT CLAIM

Flagpole Holdings LLC, Newtown. Grantor: Newtown Savings Bank, Newtown. Property: 510 E. Main St., Unit 124, Stratford. Amount: $1. Filed Dec. 9.

Holmes, Monica B., New York, N.Y. Grantor: Monica B. Holmes, New York, N.Y. Property: 80 Steep Hill Road, Parcel B, Weston. For no consideration paid. Filed Nov. 9.

Flynn, Kim G. and Brian J. Flynn, Monroe. Grantor: Brian Flynn and Kim Flynn, Monroe. Property: 1 Beech Tree Lane, Monroe. For no consideration paid. Filed Nov. 16.

Jean-Julien, Adrien and Therese Jean-Julien, Stamford. Grantor: Andrew Jean-Julien, Stamford. Property: Lot 126, Map 1576, Stamford. For no consideration paid. Filed Dec. 11.

Gadziala, Mary Ann and David W. Mullins Jr., Greenwich. Grantor: Mary Ann Gadziala, Greenwich. Property: 1 Belle Haven Place, Greenwich. Amount: $1. Filed Dec. 3.

Kaja Holdings 2 LLC, Columbia, S.C. Grantor: U.S. Bank NA, West Palm Beach, Fla. Property: 354 Garidaldi Ave., Stratford. Amount: $40,545. Filed Dec. 15.

Greenberg, Robyn, Weston. Grantor: Russell Greenberg, Weston. Property: 15 Micheals Way, Weston. For no consideration paid. Filed Nov. 23.

Kwon, Lynda H. and Harrison A. Sapru, Greenwich. Grantor: Harrison A. Sapru and Lynda H. Kwon, Corona Del Mar, Calif. Property: Boulder Brook Road, Greenwich. Amount: $1. Filed Dec. 8.

21 Nicholas LLC, Yonkers, N.Y. Grantor: Joseph Ganitto, Greenwich. Property: 21 Nicholas Ave., Greenwich. Amount: $1. Filed Dec. 14. 46 Wilshire Road LLC, Greenwich. Grantor: Nancy A. Duffy, Greenwich. Property: 46 Wilshire Road, Greenwich. For no consideration paid. Filed Nov. 30. 70 Silo Circle LLC, Greenwich. Grantor: John Lennard Rapp and Diane E. Rapp, Greenwich. Property: 70 Silo Circle, Greenwich. Amount: $1. Filed Dec. 9. Anne and Louis Real Estate LLC, Monroe. Grantor: A & L Real Estate LLC, Monroe. Property: 24 Edgehill Circle, Monroe. For no consideration paid. Filed Dec. 10. Belle Hill Limited Partnership, Greenwich. Grantor: Lawrence F. Lunt and Victoria Ginsburg Lunt, Greenwich. Property: Lots 7 and 8, Map 6306, Greenwich. Amount: $1. Filed Dec. 16. Berry, James C.P., New York, N.Y. Grantor: Wagner P. Thielens Jr., New York, N.Y. Property: 45 Spectacle Lane, Wilton. For an unknown amount paid. Filed Dec. 18. Blennemann, Dagmar Elise and Heinrich Dieter Blennemann, Greenwich. Grantor: Dieter Blenneman, Greenwich. Property: Lot 14, Map 5394, Greenwich. Amount: $1. Filed Dec. 7.

Guerra, Sharon L. and Tracey Roballey Stratford. Grantor: Daniel J. Guerra Sr. and Sharon L. Guerra, Stratford. Property: 110 Charlton St., Stratford. Amount: $1. Filed Dec. 9. Gutierrez, Eddie, Trumbull. Grantor: Bailio Gutierrez, Easton. Property: 2004 E. Main St., Bridgeport. For an unknown amount paid. Filed Dec. 10. Havery, Bonnie Sue and S. Robert Havery, Greenwich. Grantor: Gertrude O. Riska, Greenwich. Property: Lot 118, Map 376, Greenwich. Amount: $1. Filed Dec. 2.

Leblanc, Kevin and Ryan S. Rozycki, Bridgeport. Grantor: Ryan A. Rozycki, Norwalk. Property: 143 Clifford St., Bridgeport. For no consideration paid. Filed Dec. 9. Leone, Irina and Joseph Leone, New York, N.Y. Grantor: People’s United Bank NA, Bridgeport. Property: 20 Hillcrest Lane, Weston. Amount: $975,000. Filed Dec. 15.

FEATURE PROPERTIES OF THE WEEK

Bridtter, Ricardo, Norwalk. Grantor: Rickiaka Inc., Norwalk. Property: 97 Velvet St., Bridgeport. For no consideration paid. Filed Dec. 9. Cawai, Agnes R., Stamford. Grantor: Amelita C. Girard, Fairfield. Property: 5 Deacon Hill Road, Stamford. Amount: $1. Filed Dec. 10. Cioffoletti, Robert, Danbury. Grantor: Linda Bunblasky, Danbury. Property: 58 Fairfield Drive, New Fairfield. Amount: $1. Filed Dec. 8.

MULTI-UNIT INVESTMENT PROPERTY— WAPPINGER, NY Location: U.S. Route 9, Wappinger Square Feet: 9,500 ± SF Total, To Be Confirmed Utilities: Well / Septic / Fuel Oil / Electric Acreage: 1.02 ± Acres Suitable For: Commercial/Office Sale Price: $1,495,000 Lease Price: Available Upon Request Contact: info@crproperties.com (845) 485-3100 / www.crproperties.com

FREE STANDING RETAIL / WAREHOUSE BUILDING- POUGHKEEPSIE, NY Location: U.S. RT 44 / NYS RT 55 Area Square Feet: 14,800 ± SF Acreage: 1.83 ± Acres Suitable For: Retail / Shop / Display /Warehouse Utilities: Municipal Water & Sewer/ Gas & Electric Asking Price: $775,000 Contact: info@crproperties.com (845) 485-3100 / www.crproperties.com

Cooper, Jacquelyn and Ronald Cooper, New Fairfield. Grantor: Jacquelyn L. Cooper and Ronald C. Cooper, New Fairfield. Property: Lot 70, Maps 1898 and 1899, New Fairfield. For an unknown amount paid. Filed Dec. 9. Federal Home Loan Mortgage Corporation, McLean, Va. Grantor: Specialized Loan Servicing LLC, Highlands Ranch, Colo. Property: 91 Strawberry Hill Ave., Unit 232, Stamford. For no consideration paid. Filed Dec. 11.

INDUSTRIAL / COMMERCIAL BUILDINGWAPPINGER, NY Location: Airport Drive, Wappinger Space: 11,740 ± SF Total, To Be Confirmed Acreage: 3.81 ± Acres Suitable For: Warehouse / Storage Manufacturing / Distribution Asking Price: $1,100,000 Contact: info@crproperties.com (845) 485-3100 / www.crproperties.com

RESTAURANT / COMMERCIAL BUILDING FOR LEASE- HYDE PARK, NY Location: U.S. Route 9 / Albany Post Road near Franklin D. Roosevelt and Vanderbilt Mansion National Historic sites Square Feet: 7,070 ± SF Total, To Be Confirmed Acreage: 0.92 ± Acres Suitable For: Restaurant / Commercial Use Listing Price: $13.00 Per SF, Triple Net Contact: info@crproperties.com (845) 485-3100 / www.crproperties.com

FAIRFIELD COUNTY BUSINESS JOURNAL • Week of January 11, 2016 17

FACTS

Lindh, Sandra and Hans Lindh, Greenwich. Grantor: Hans Lindh and Sandra Lindh, Greenwich. Property: 71 Riverside Ave., Greenwich. Amount: $1. Filed Dec. 3.

Shahzad, Chaudary, Monroe. Grantor: Chaudary Shahzad and Izza Shahzad, Monroe. Property: 1431 Monroe Turnpike, Monroe. For no consideration paid. Filed Nov. 12.

Barthelemy, Francois, Greenwich. Seller: Michael D. Grant Jr. and Elizabeth L. Grant, Greenwich. Property: 34 Beachcroft Road, Greenwich. Amount: $1.9 million. Filed Dec. 11.

Litvinoff, Sharon Elaine and Marc Craig Litvinoff, Westport. Grantor: Marc C. Litvinoff, Westport. Property: 101 Lansdowne, Westport. Amount: $1. Filed Dec. 14.

Silbert, Hildi R., Weston. Grantor: Richard W. Silbert, Weston. Property: 15 Farrell Road, Weston. Amount: $100. Filed Nov. 18.

Bethel, Vernelle S., Stratford. Seller: Bruce I. Brereton and Martha Brereton, Stratford. Property: 293 Roger Drive, Stratford. Amount: $260,000. Filed Dec. 8.

MacIntyre, Wendy A. and Chester J. Zieba, Greenwich. Grantor: Chester J. Zieba, Greenwich. Property: 159 Lake Ave., Greenwich. Amount: $1. Filed Dec. 9. Metelitsa, Gregory and Fanya Metelitsa, Stamford. Grantor: Fanya Metelista, Stamford. Property: Unit 7H of Soundview Towers Condominium, Stamford. For no consideration paid. Filed Dec. 11. MTD Corp., Trumbull. Grantor: Millo Bertini, Trumbull. Property: 171 Spring Hill Road, Monroe. Amount: $1. Filed Nov. 13. Murray, Dana, New Fairfield. Grantor: Daniel Murray, New Fairfield. Property: 18 Woodridge Lane, New Fairfield. Amount: $1. Filed Dec. 8.

Stratford LB LLC, Easton. Grantor: Kaster Holding Co., Stamford. Property: Parcel 1, Map 2895, Stratford. For no consideration paid. Filed Dec. 8. Tre Sor LLC, Greenwich. Grantor: Frank L. Fiorito, Greenwich. Property: 8 Columbus Ave., Greenwich. Amount: $1. Filed Dec. 7. Tyson, Ronald T., Greenwich. Grantor: Ronald Thomas Tyson and Carolyn Holtz Tyson, Greenwich. Property: 63 Byram Terrace Drive, Unit 63A, Greenwich. Amount: $1. Filed Dec. 4. Williams, Alexandra Danielle and Richard S. Williams, Bridgeport. Grantor: Alexandra Danielle Williams and Richard S. Williams, Bridgeport. Property: 345 Red Oak Lane, Bridgeport. Amount: $1. Filed Dec. 10.

O’Connor, T. Bryan, Stratford. Grantor: Tara Silber, Stratford. Property: 20 Prospect Drive, Stratford. Amount: $1. Filed Dec. 14.

Windemere 14 LLC, Stamford. Grantor: Marsha Gilmore and Daniel Washington Jr., Aurora, Colo. Property: Lots 1 and 2, Map 105, Greenwich. Amount: $485,000. Filed Nov. 30.

Orchard Holdings LC, Greenwich. Grantor: Thomas J. Heagney, Greenwich. Property: 22 Osea Place, Greenwich. Amount: $1. Filed Dec. 11.

Zoar LLC, Milford. Grantor: Satchel Enterprises LLC, Milford. Property: 94 E. Main St., Stratford. Amount: $1. Filed Dec. 8.

Pancoast, Paula A. and Bruce R. Pancoast, Monroe. Grantor: Bruce R. Pancoast and Paula A. Pancoast, Monroe. Property: 479 Elm St., Monroe. For an unknown amount paid. Filed Nov. 13.

Zoar LLC, Milford. Grantor: Sidney LLC, Milford. Property: 50, 80, 94 E. Main St. and 29, 45, 50, 55, and 65 Sidney St., Stratford. Amount: $1. Filed Dec. 8.

PMT NPL Financing 2015-1, Moorpark, Calif. Grantor: Pennymac Corp., Moorpark, Calif. Property: 29 Punch Bowl Drive, Westport. Amount: $10. Filed Dec. 16. Prazmark, Robert R., Greenwich. Grantor: Robert R. Prazmark, Greenwich. Property: 3 Game Cock Road, Greenwich. For no consideration paid. Filed Dec. 4. Renda, Justin B., Bethel. Grantor: Tamara L. Stone, Newtown. Property: Unit 2007 of Lexington Meadows, Danbury. Amount: $1. Filed Dec. 9. Rose, John S., Monroe. Grantor: John R. Rose Jr. and Faith Alves, Trumbull. Property: 21 Hidden Knolls Circle, Monroe. Amount: $1. Filed Dec. 17. Rothermel, Camie and Carl Rothermel, Greenwich. Grantor: Carl Rothermel, Greenwich. Property: Lot 5, Crawford Terrace, Greenwich. For no consideration paid. Filed Dec. 15. Sampieri III, Philip, Monroe. Grantor: Charlene Sampieri, Monroe. Property: 355 Moose Hill Road, Monroe. Amount: $1. Filed Nov. 30.

Zwivel, Corry, Monroe. Grantor: Christopher N. Loli, Bridgeport. Property: 268 Hattertown Road, Monroe. For an unknown amount paid. Filed Nov. 9.

RESIDENTIAL Argueta, Alyeda B., Stamford. Seller: Seth D. Stein and Lisa B. Stein, Fairfield. Property: 269 Cleveland Ave., Bridgeport. Amount: $165,000. Filed Dec. 10. Aser, Shari E. and William B. James III, Greenwich. Seller: Legacy Birchwood LLC, Armonk, N.Y. Property: 50 Porchuk Road, Greenwich. Amount: $2.5 million. Filed Dec. 7. Barba, Katherine D. and Ronald R. Barba, Greenwich. Seller: Nurallah Nazarali, Greenwich. Property: 52 Lafayette Place, Unit 2H, Greenwich. Amount: $337,000. Filed Dec. 17. Barry, Joanna and Brenton Closs, Trumbull. Seller: Dariel A. Colella, Monroe. Property: 16 Greenwood Drive, Monroe. Amount: $360,000. Filed Dec. 7.

Brown, Shawnique, Fairfield. Seller: The Bank of New York Mellon, trustee, Coral Gables, Fla. Property: 830 Surf Ave., Stratford. Amount: $107,635. Filed Dec. 17. Brummelen, Silvia G. Van and Adam S. Luysterborghs, Greenwich. Seller: Jeanne Stoney-Disston, Weston. Property: 5 Garden Road, Weston. Amount: $772,500. Filed Dec. 18. Callahan, Kathryn and Scott Callahan, Shelton. Seller: Patricia D. Harrigan, Monroe. Property: 264 Teller Road, Monroe. Amount: $667,500. Filed Dec. 2. Carlson, Erin and Drew Carlson, New Fairfield. Seller: Kurt J. Schweder and Emmanuele Correia Schweder, New Fairfield. Property: 18 Cherry Drive, New Fairfield. Amount: $175,000. Filed Dec. 10. Cina, Marilyn A. and Joseph J. Cina, Weston. Seller: Michael A. Walters and Marilyn E. Walters, Weston. Property: 132 Godfrey Road East, Weston. For an unknown amount paid. Filed Nov. 12. Colarossi, Eileen and Jack Colarossi, Danbury. Seller: Aftab Hussain and Syeda Adeela Ghulam, Danbury. Property: Unit 13 of Southwoods, Danbury. Amount: $212,500. Filed Dec. 9. Cook, Samatha and Michael DeCarli, Trumbull. Seller: Jennifer Meeker and Scott Krajewski, Monroe. Property: 26 Autumn Drive, Monroe. Amount: $334,000. Filed Dec. 8. Cordoba, Dorka and Omar Cordoba, Stratford. Seller: Diana Q. August, Easton. Property: 21 Meadowmere Road, Stratford. Amount: $400,000. Filed Dec. 10. Cordoba, Maria Elena Fernandez and Gustavo Arteta, Stamford. Seller: Paul Bertin-Boussu, Stamford. Property: 52 Bayberrie Drive, Stamford. Amount: $1.4 million. Filed Dec. 11. D’Avanco, Kristen and Anthony Gruner, Stamford. Seller: U.S. Bank NA, Salt Lake City, Utah. Property: 1937 High Ridge Road, Stamford. Amount: $452,000. Filed Dec. 11. DeCarlo, Diana and James S. DeCarlo, Port Chester, N.Y. Seller: Theresa Rogers and Paul Philip Matthews, Stamford. Property: 11 Longshore Estates, Greenwich. Amount: $550,000. Filed Dec. 15.

18 Week of January 11, 2016 • FAIRFIELD COUNTY BUSINESS JOURNAL

FIGURES Desai, Sandra Ruiz and Arvind K. Chaudhary, Stamford. Seller: Diane K. Bodnar and Donald E. Bodnar, Monroe. Property: 102 Wild Horse Court, Monroe. Amount: $610,000. Filed Nov. 9. DiBengno, Marisa and Frank Papalia, Indian Rocks Beach, Fla. Seller: Marc Wirstrom, Greenwich. Property: 225 Milbank Ave., Unit A, Greenwich. Amount: $1.8 million. Filed Dec. 17. Dinkcioglu, Lora and Hamparsum Dinkcioglu, Shelton. Seller: Mario Bernardi and Adriana Bernardi, Monroe. Property: 318 Cutlers Farm Road, Monroe. Amount: $552,000. Filed Dec. 15. Durand, Maureen and Michael A. Durand, Monroe. Seller: Jon H. Garrity, Monroe. Property: Lot 2, Map 1156, Monroe. Amount: $535,000. Filed Dec. 14. Ehrhard, Marilyn J., Danbury. Seller: James Slaughter and Sarah Slaughter, Bethel. Property: 1 Hopkins Court, Bethel. Amount: $395,000. Filed Dec. 10. Ehrhard, Marilyn J., Danbury. Seller: James Slaughter and Sarah Slaughter, Danbury. Property: 1 Hopkins Court, Danbury. Amount: $395,000. Filed Dec. 10. Esquilin, Ivelices, Bronx, N.Y. Seller: Albert Trentini, Stratford. Property: 480 Harvard Ave., Stratford. Amount: $252,000. Filed Dec. 7. Exantus, Nupsie F. and Murielle Exantus, Bridgeport. Seller: Mark Mirowski and Margaret Mirowski, Monroe. Property: 408 Fan Hill Road, Monroe. Amount: $400,000. Filed Nov. 24. Geils, Nancy, Naples, Fla. Seller: Federal National Mortgage Association, Dallas, Texas. Property: 5 Hawley Lane, Monroe. Amount: $325,000. Filed Dec. 3. Genkins, Amy E., Stamford. Seller: Ashley Grant Webster and Fiona Margaret Webster, Wilton. Property: Lot 2A, Map 3656, Wilton. Amount: $995,000. Filed Dec. 8. Girolamo, Maria and John Girolamo, Monroe. Seller: Janet Shrake, Monroe. Property: 56 Pinto Lane, Monroe. Amount: $170,000. Filed Dec. 3. Gitelman, Inna and Alex Gitelman, Greenwich. Seller: Michael Bergesen and Lou Anne Bergesen, Greenwich. Property: Lot 12, Map 6464, Greenwich. Amount: $2 million. Filed Dec. 2. Govindaraja, Bama and Raghu Ramanujam, Darien. Seller: Martin T. Woros and Agnes Woros, Wilton. Property: 227 Westport Road, Wilton. Amount: $800,000. Filed Dec. 14. Gulyas, Milanne L. and Holly A. Gulyas, Norwalk. Seller: S.S. Tile and Marble LLC, Bridgeport. Property: 108 Tully Circle, Bridgeport. Amount: $192,000. Filed Dec. 10.

Habitska, Violetta and Bohdan Lonevsky, Stamford. Seller: Olha Dudnyk, Stamford. Property: 125 Lawn Ave., Stamford. Amount: $212,000. Filed Dec. 11.

Maco, Mary and John Maco, Stratford. Seller: Adelaide L. Davey, Stratford. Property: 765B Nyack Lane, Stratford. Amount: $270,000. Filed Dec. 14.

Hablutzel, Marta, Norwalk. Seller: Annette B. Griffith, Pittsboro, N.C. Property: 35 Mountainside Drive, Monroe. Amount: $294,000. Filed Nov. 30.

Malouf, Laurie and Ronald Malouf, Bridgeport. Seller: Matthew T. Capalbo and Susan A. Capalbo, Bethel. Property: 5 Daniska Drive, Bethel. Amount: $408,000. Filed Dec. 9.

Haida, Toni, New York, N.Y. Seller: Robyn Greenberg, Weston. Property: 15 Michaels Way, Weston. Amount: $1.9 million. Filed Nov. 23.

Marchese, Paul S., Greenwich. Seller: Paul S. Marchese, Greenwich. Property: 15 Greenbriar Lane, Greenwich. Amount: $1. Filed Dec. 17.

Holliday, Tamara and Alan S. Lhota, Greenwich. Seller: H & H Hennes & Mauritz LP, New York, N.Y. Property: Lot 4, Map 7863, Greenwich. Amount: $1.9 million. Filed Dec. 9.

Martin, Victoria L. and Jeffrey Jacobs, Greenwich. Seller: Leslie McKay Frear, Wilton. Property: 165 Drum Hill Road, Wilton. Amount: $702,500. Filed Dec. 8.

Irby, Elijah and Hilary Irby, Bronx, N.Y. Seller: Brunswick 81 Northfield LLC, Greenwich. Property: 6 Fox Run, New Fairfield. Amount: $400,000. Filed Dec. 11.

Matson, Daniel L., Stamford. Seller: Seaside Real Estate Group LLC, Stamford. Property: 108 Seaside Ave., Unit 9, Stamford. Amount: $596,300. Filed Dec. 11.

Jarvis, Francene S. and Brian C. Jarvis, Weston. Seller: Andrew S. Band and Erin Band, Weston. Property: 12 Tall Pines Drive, Weston. Amount: $875,000. Filed Dec. 11.

McIntyre, Elizabeth and Ryan McIntyre, Greenwich. Seller: Kelly L. Cerilli, Hingham, Mass. Property: 24 Meadow Road, Greenwich. Amount: $2.2 million. Filed Dec. 16.

Joachim, Julia, Stratford. Seller: Thomas Frazier and Joanne Frazier, Wareham, Mass. Property: 93 Tudor Ridge Condominium, Stratford. Amount: $125,000. Filed Dec. 16.

Meksvanh, Dalakoum and Keolakhone Meksvanh, Danbury. Seller: Geraldine Conklin, Danbury. Property: 25 Cleveland St., Danbury. Amount: $170,000. Filed Dec. 10.

Johnson, Laura Markis and Dimitris Johnson, West Haven. Seller: Donna Wiltsie, Shelton. Property: 342 Riverdale Drive, Stratford. Amount: $260,000. Filed Dec. 16.

Mercado, Nelly and Juan A. Mercado, Bridgeport. Seller: Federal National Mortgage Association, Dallas, Texas. Property: 255 Ocean View Terrace, Stratford. Amount: $229,500. Filed Dec. 15.

Joseph, Suma and Thomas Matthew, Stamford. Seller: Lori E. Miller and Christopher A. Miller, Wilton. Property: 46 Rivergate Drive, Wilton. Amount: $690,000. Filed Dec. 4. Kopperla, Sowjanya and Suresh Thota, Stamford. Seller: Keith H. Duggar and Huiqin J. Duggar, New Canaan. Property: 578 Hope St., Unit D, Stamford. Amount: $520,000. Filed Dec. 11. Kpeki, Alibada and Sikah Agrignan, Bridgeport. Seller: Louis A. Lorenzo and Patricia Lorenzo, Derby. Property: 150 Greenwood St., Bridgeport. Amount: $126,500. Filed Dec. 10.

Meyerguz, Leonid and Marcela Martinez Millan, Norwalk. Seller: Deer Path Road LLC, Greenwich. Property: 22 Deer Path Road, Weston. Amount: $860,000. Filed Dec. 4. Ming, Melecia M., New York, N.Y. Seller: Luigi Falmieri, Shelton. Property: 1918 Noble Ave., Bridgeport. Amount: $224,000. Filed Dec. 10. Murdock, Susan M., New Canaan. Seller: Helen E. Mangini, Greenwich. Property: Unit 911 of Hawthorne Condominium, Greenwich. Amount: $530,000. Filed Dec. 10.

Lauer, William C., Monroe. Seller: Federal National Mortgage Association, Dallas, Texas. Property: 23 Mill Brook Terrace, Monroe. Amount: $325,000. Filed Dec. 8.

Nichani, Ashok and Ravi Nichani, Greenwich. Seller: Christopher James McCauley and Maureen McKinney McCauley, Homestead, Fla. Property: Lot 28, Long Meadow Road, Greenwich. Amount: $995,000. Filed Dec. 8.

Lemieux, Colby and Matthew Lemieux, Waterbury. Seller: Justin Ottavio and Jessica Ottavio, Stratford. Property: 55 Queens Ave., Stratford. Amount: $257,000. Filed Dec. 11.

Olano, Bayani and Xintong Li, Stamford. Seller: Steven C. Solazzo and June A. Decker, Stamford. Property: 440-444 Bedford St., Stamford. Amount: $190,000. Filed Dec. 11.

Lemos, Anthony, Stamford. Seller: Philip Sampieri III, Monroe. Property: 355 Moose Hill Road, Monroe. Amount: $367,000. Filed Nov. 30.

Ortonowski, Izabela and Witold Ortonowski, Ridgefield. Seller: RSS Real Estate LLC, Mount Kisco, N.Y. Property: 12 North St., Ridgefield. Amount: $545,000. Filed Dec. 10.

FACTS Palmeiri, Maria E. and John R. Prevelige, Trumbull. Seller: Andrew Wilson and Lindsey Esposito, Norwalk. Property: 81 Old Zoar Road, Monroe. Amount: $280,000. Filed Dec. 17. Pressley, Craig, Stratford. Seller: William T. McCreary and Dana A. McCreary, Stratford. Property: 74 Linton St., Stratford. Amount: $199,000. Filed Dec. 18. Prum, Chanda, Bridgeport. Seller: Hung V. Vo and Dung T. Son, Bridgeport. Property: 245 Success Ave., Building 13, Stratford. Amount: $30,000. Filed Dec. 16. Roos, Melissa and David Roos, Norwalk. Seller: Anne Politi, Wilton. Property: Lot 5, Map 2672, Wilton. Amount: $845,000. Filed Dec. 1. Rozum, Jacqueline and Eric Rozum, Danbury. Seller: Barbara L. Crouch, Monroe. Property: 35 Gaylor Drive, Monroe. Amount: $550,000. Filed Dec. 9. Ruiz, Miguel, Weston. Seller: Kara E. Horowitz and Jamie B. Horowitz, Weston. Property: 23 W. Branch Road, Lot 5, Map 1676, Weston. Amount: $1 million. Filed Nov. 30. Shi, Zhuoer and Jing Du, Greenwich. Seller: Annette G. Artley and Ariene Artley, Greenwich. Property: 52 Forest Ave., Greenwich. Amount: $775,000. Filed Dec. 16. Shragin, Howard, Norwalk. Seller: Peter T. Ackley and Daniela Carvalho Ackley, Weston. Property: 52 Fanton Hill Road, Weston. Amount: $1 million. Filed Dec. 1. Skinner, Lisa R. and James A. Skinner III, Greenwich. Seller: Edmund M. Carpenter and Mary L. Carpenter, Greenwich. Property: Pecksland Road North, Greenwich. Amount: $3 million. Filed Dec. 7. Spring, Nicole Porpora and Andrew Spring, Wilton. Seller: Heather Robinson and Ira Friedman, Wilton. Property: Lot 2, Map 1371, Wilton. Amount: $595,000. Filed Dec. 4. Stein, Rachel S. and David A. Stein, Norwalk. Seller: Howard Simon, Weston. Property: 14 Valley Forge Lane, Weston. Amount: $605,000. Filed Nov. 18. Tolkin, Julie, Weston. Seller: John A. Light III, Weston. Property: 11 Overbrook Lane, Weston. For an unknown amount paid. Filed Nov. 25.

Turman, Kara M. and Karen L. Turman, Stratford. Seller: VG Development LLC, Stratford. Property: 120 Lindsley Place, Stratford. Amount: $393,500. Filed Dec. 15. Unger, Ivona B., Fairfield. Seller: James D. Grimley and Barbara J. Grimley, Ridgefield. Property: 19 Prospect St., Ridgefield. Amount: $515,500. Filed Dec. 11. Wells, Anne and David Wells, Darien. Seller: 49 Whitney LLC, Westport. Property: 49 Whitney St., Westport. Amount: $2.6 million. Filed Dec. 7. West, Kelly M. and Eric P. West, Bridgeport. Seller: Brad Rothbaum and Linda Rothbaum, Monroe. Property: 10 Farm View Road, Monroe. Amount: $480,250. Filed Nov. 17. Whyte, Erronique K., Stratford. Seller: Donald J. Sebes Jr., Stratford. Property: 95 Strekfus Road, Stratford. Amount: $220,000. Filed Dec. 15. Wilson, Mary Jayne and Edward Wilson, Darien. Seller: Amelia H. Hopkins, Wilton. Property: 157 Cheese Spring Road, Wilton. Amount: $712,500. Filed Dec. 15. Yang, Lin Y. and Vee-En Chan, Greenwich. Seller: Scott W. Chace, London, U.K. Property: 18 Highview Ave., Greenwich. Amount: $2 million. Filed Dec. 16.

FORECLOSURES Cooper, Elaine, et al. Creditor: Compass Bank, Charlotte, N.C. Property: 22 Hill Farm Road, Weston. Mortgage default. Filed Nov. 17. Defrancisco, Joseph Jr., et al. Creditor: U.S. Bank NA, Miamisburg, Ohio. Property: 2006 Chopsey Hill Road, Bridgeport. Mortgage default. Filed Dec. 9. Gustavo, Jarrin, et al. Creditor: Deutsche Bank National Trust Co., Salt Lake City, Utah. Property: 17 Woodlawn Road, Monroe. Mortgage default. Filed Dec. 14. Hamilton, Katherine E. and Jeffrey R. Hamilton, et al. Creditor: The Bank of New York Mellon, New York, N.Y. Property: 77 Steep Hill Road, Weston. Mortgage default. Filed Nov. 13. Laporte, Anita, et al. Creditor: Sabadell United Bank NA, Ewing, N.J. Property: 297 Ferndale Ave., Stratford. Mortgage default. Filed Dec. 11.

Torres, Renee S. and Christian F. Torres, Weston. Seller: Barbara A. Stephen, Weston. Property: 47 Bradley Road, Weston. Amount: $590,000. Filed Dec. 2.

Lewis, James C., et al. Creditor: Connecticut Tax Liens 5 LLC, Farmington. Property: 111 Hattertown Road, Newtown. Default on tax liens. Filed Dec. 9.

Tran, Mai, Milford. Seller: Deutsche Bank National Trust Co., West Palm Beach, Fla. Property: 694-698 Honeyspot Road, Stratford. Amount: $99,580. Filed Dec. 8.

Morton, Jamal R., et al. Creditor: JPMorgan Chase Bank NA, San Diego, Calif. Property: 70-76 Manilla Place, Bridgeport. Delinquent common charges. Filed Dec. 8.

Patterson, Richard, et al. Creditor: William Sobanik, et al. Property: 1745 Cutspring Road, Stratford. Mortgage default. Filed Dec. 14. Reuter, Candace A., et al. Creditor: The Bank of New York Mellon, New York, N.Y. Property: 18 Turkey Roost Road, Monroe. Mortgage default. Filed Nov. 19. Salazar, Luis, et al. Creditor: Deutsche Bank National Trust Co., Salt Lake City, Utah. Property: 433-435 Capital Ave., Bridgeport. Delinquent common charges. Filed Dec. 9. Stroli, Joseph G., et al. Creditor: Citibank NA, Sioux Falls S.D. Property: 10 Irvine Road, Greenwich. Mortgage default. Filed Dec. 7. Synoground, Glen, et al. Creditor: Bayview Loan Servicing LLC, Coral Gables, Fla. Property: 54 Terrill Road, Stratford. Mortgage default. Filed Dec. 9.

FIGURES Raguskus, Melinda and John Raguskus, Stratford. $2,178 in favor of Milford Hospital, Milford, by Hertzmark Crean & Lahey LLP, Waterbury. Property: 94 Noble St., Stratford. Filed Dec. 9. Ramos, Roberto, Monroe. $3,520 in favor of the town of Monroe, by Rossi Law Offices Ltd., Smithfield, R.I. Property: 122 Cross Hill Road, Monroe. Filed Nov. 20. Urena, Rosemary, Danbury. $510 in favor of Standard Oil of Connecticut Inc., Bridgeport, by Philip H. Monagan, Waterbury. Property: 141 Carol St., Danbury. Filed Dec. 7. Vintage Inc., et al., Weston. $85,760 in favor of Wilson Properties III LLC, Weston, by Q & R Associates LLC, Fairfield. Property: 2 Old Field Lane, Weston. Filed Dec. 15.

LEASES JUDGMENTS Engel, Barbara, Monroe. $2,400 in favor of Midland Funding LLC, San Diego, Calif., by the Law Offices of Howard Lee Schiff PC, East Hartford. Property: 10 Benedict Road, Monroe. Filed Nov. 30.

Kimball Development LLC, by John M. Kimball. Landlord: Walmart Stores East LP, Bentonville, Ark. Property: 523 Pepper St., Monroe. Term: 20 years, commenced April 4, 2014. Filed Nov. 20.

Verizon Wireless, by David R. Heverling. Landlord: T10 Unison Site Management LLC. Property: 11 Lake Avenue Extension, Danbury. Term: 5 years, commenced Oct. 5, 2015. Filed Dec. 7.

LIENS

FEDERAL TAX LIENSFILED Bendix, Mary R. and William J. Bendix, 112 Borglum Road, Wilton. $33,476, a tax debt on income earned. Filed Dec. 8. Connors, Judith, 382 Post Road East, Westport. $51,324, a tax debt on income earned. Filed Dec. 8. Durniak, Walter Jr., 20 Church St., Apt. 53, Greenwich. $45,947, a tax debt on income earned. Filed Dec. 9. Friedman, Susan, 67 Old Hill Road, Westport. $78,563, a tax debt on income earned. Filed Dec. 8. Kaeser, Margaret and John C. Kaeser, 50 Sachem Road, Weston. $35,262, a tax debt on income earned. Filed Nov. 18.

Featherstone, Karen, Bridgeport. $977 in favor of Housatonic Valley Radiology, Danbury, by Flanagan & Peat, Danbury. Property: 247 Savoy St., Bridgeport. Filed Dec. 8. Glaude, Telemaque, Bridgeport. $480 in favor of Connecticut Family Orthopedics, Ridgefield, by Flanagan & Peat, Danbury. Property: 430 Holland Road, Bridgeport. Filed Dec. 9. Huggler, Alisha, Monroe. $7,077 in favor of Midland Funding LLC, San Diego, Calif., by the Law Offices of Howard Lee Schiff PC, East Hartford. Property: 39 Bart Road, Monroe. Filed Nov. 30. Innovative Concepts In Design Inc., et al., Weston. $59,467 in favor of Patrick Tennant and Susan Tennant, Easton, by Slutsky, McMorris & Meehan LLP, Wilton. Property: 1 Old Field Lane, Weston. Filed Dec. 4. Lapointe, Richard W., Weston. $7,942 in favor of Cach LLC, Denver, Colo., by J.A. Cambece Law Firm PC, Beverly, Mass. Property: 235 Newtown Turnpike, Weston. Filed Dec. 7. Mathias, Peter, Monroe. $2,694 in favor of Griffin Hospital, Derby, by Hertzmark Crean & Lahey LLP, Waterbury. Property: 65 Webb Circle, Monroe. Filed Nov. 16.

Lendrim, Stacey B., 436 Riverside Ave., Apt. B, Westport. $14,014, a tax debt on income earned. Filed Dec. 17. Luciano, Jair, 54 Oak Ridge St., Greenwich. $6,248, a tax debt on income earned. Filed Dec. 15. Morales, Jasmine, 7 Wilkes Road, Danbury. $33,922, a tax debt on income earned. Filed Dec. 8. Parnas, David S., 40 Old Farm Road, Weston. $110,481, a tax debt on income earned. Filed Nov. 10. Reiss, Ronald J., 75A Richland Road, Greenwich. $195,849, a tax debt on income earned. Filed Dec. 9. Rivera, Angel M., 36 Brooklawn Ave., Bridgeport. $9,300, a tax debt on income earned. Filed Dec. 8. Rosato Jr., Ernest and Susannah Kimball, 140 Cutler Road, Greenwich. $6,678, a tax debt on income earned. Filed Dec. 4. Scott, Jennifer and Gary Scott, 33 Meadowcroft Lane, Greenwich. $73,261, a tax debt on income earned. Filed Dec. 15. Twedt, Jason D., 4 Limekiln Road, Danbury. $23,762, a tax debt on income earned. Filed Dec. 9.

BEWARE Outside companies are soliciting BUSINESS JOURNAL readers for plaques and other reproductions of newspaper content without our consent. If you or your firm is interested in framing an article or award from our newspaper or obtaining a reprint of a particular story Please contact

Marcia Rudy of Westfair Communications directly at (914) 694-3600 x3021.

Minardi, Derek, Monroe. $3,411 in favor of Midland Funding LLC, San Diego, Calif., by the Law Offices of Howard Lee Schiff PC, East Hartford. Property: 47 Turkey Roost Road, Monroe. Filed Nov. 30.

FAIRFIELD COUNTY BUSINESS JOURNAL â€˘ Week of January 11, 2016 19

FACTS Young Jr., Kenneth M., 156 Winfield St., Westport. $178,246, a tax debt on income earned. Filed Dec. 17.

Moranos Limosine Service Inc., 91 Gay Bower Road, Monroe. $24,818, quarterly payroll taxes. Filed Nov. 9.

FEDERAL TAX LIENSRELEASED

Stiefel, Adrienne and Sean Peterkin, 24 Steep Hill Road, Weston. $15,060, a tax debt on income earned. Filed Nov. 30.

Austin, Pamela M. and Carl Carter, 36 Kirkham Place, Stamford. $25,214, a tax debt on income earned. Filed Dec. 8.

MECHANIC’S LIENSFILED

Compounded Solutions In Pharmacy L, 179 Main St., Monroe. $2,788, payroll taxes. Filed Nov. 23. Compounded Solutions In Pharmacy L, 179 Main St., Monroe. $78,383, quarterly payroll taxes. Filed Dec. 2. FXW Inc., 180 Sound Beach Ave., Greenwich. $5,655, corporate income taxes. Filed Dec. 4. Ginex, Francesca and Glenn C. Connelly, 14 Forest Road, Weston. $148,555, a tax debt on income earned. Filed Dec. 8. Martinez, Cecelia Y., 65 High Ridge Road, Unit 348, Stamford. $26,639, a tax debt on income earned. Filed Dec. 8.

Berger, Stacey D. and Scott Berger, Westport. Filed by Walsh & Sons Paving & Excavating Inc., Norwalk, by Arleen C. Walsh. Property: Lot 14, Map 5497, Westport. Amount: $29,902. Filed Dec. 17. Casagmo Condominium Association, Ridgefield. Filed by Pella Windows and Doors, Monroe, by Bruce R. Snyder. Property: Unit 130 of Olcott Way, Ridgefield. Amount: $3,956. Filed Dec. 10. Grandville, Mary M., Ridgefield. Filed by Pella Windows and Doors, Monroe, by Bruce R. Snyder. Property: Unit 109 of Olcott Way, Ridgefield. Amount: $2,321. Filed Dec. 10.

Seaboard Hotel Lts Associates LLC, Stamford. Filed by Baker Concrete Construction Inc., Monroe, by Robert Baker. Property: 23-23, 35 and 37 Atlantic St., Stamford. Amount: $620,713. Filed Dec. 11. Szpakowska, Agnieszka and Marek Szpakowska, Ridgefield. Filed by Pella Windows and Doors, Monroe, by Bruce R. Snyder. Property: Unit 120 of Olcott Way, Ridgefield. Amount: $2,668. Filed Dec. 10.

MECHANIC’S LIENSRELEASED Maple Hospitality LLC, Weston. Released by American Builders and Contractors Supply Co. Inc., West Haven, by Murphy, Laudati, Kiel, Buttler & Rattigan LLC, Farmington. Property: 1 Twin Oaks Lane, Weston. Amount: $24,423. Filed Nov. 23. Sadler, Karrie and Christopher Sadler, Weston. Released by Romano Landscaping LLC, North Haven, by Giovanna Romano. Property: 20 Old Weston Road, Weston. Amount: $2,658. Filed Nov. 25.

Lamanna, Frederick, Ridgefield. Filed by Pella Windows and Doors, Monroe, by Bruce R. Snyder. Property: Unit 105 of Olcott Way, Ridgefield. Amount: $1,832. Filed Dec. 10.

FIGURES LIS PENDENS Aiello, James A., et al., Greenwich. Filed by Hunt, Leibert & Jacobsen PC, Hartford, for Bank of America NA, Charlotte, N.C. Property: 8 Park Ave., Greenwich. Action: to foreclose on a delinquent mortgage in the original principal amount of $700,000, dated November 2006. Filed Dec. 4 Allen, Ada, et al., Bridgeport. Filed by Bendett & McHugh PC, Farmington, for Reverse Mortgage Solutions Inc., Spring, Texas. Property: 83 Deforest Ave., Bridgeport. Action: to foreclose on a delinquent mortgage in the original principal amount of $165,000, dated October 2012. Filed Dec. 8. Augustine, Andrew A., et al., Greenwich. Filed by Hunt, Leibert & Jacobsen PC, Hartford, for Nationstar Mortgage LLC, Lewisville, Texas. Property: 43 High St., Greenwich. Action: to foreclose on a delinquent mortgage in the original principal amount of $938,250, dated March 2009. Filed Dec. 8. Barbarula, Michael, et al., Westport. Filed by Hunt, Leibert & Jacobsen PC, Hartford, for Bank of America NA, Charlotte, N.C. Property: 36 Weston Road, Westport. Action: to foreclose on a delinquent mortgage in the original principal amount of $540,000, dated September 2004. Filed Dec. 14. Benevides, Geoffrey, et al., Monroe. Filed by Bendett & McHugh PC, Farmington, for Wilmington Trust Co., Wilmington, Del. Property: 69 Walnut St., Monroe. Action: to foreclose on a delinquent mortgage in the original principal amount of $352,000, dated October 2007. Filed Dec. 9. Bratz, Maryann, Roberrt C. Bratz and Patricia I. Bratz, Stratford. Filed by Jackson Law Group CT LLC, Shelton, for town of Stratford. Property: 15 Boston Ave., Stratford. Action: to foreclose on tax liens levied by the city of Stratford and take immediate possession of the premises. Filed Dec. 7. Chana, Hecht, et al., Westport. Filed by Hunt, Leibert & Jacobsen PC, Hartford, for U.S. Bank NA, trustee, Salt Lake City, Utah. Property: 13 Tarone Drive, Westport. Action: to foreclose on a delinquent mortgage in the original principal amount of $465,000, dated March 2005. Filed Dec. 14. Chowdhury, Mumith, et al., Bridgeport. Filed by Bendett & McHugh PC, Farmington, for Suntrust Mortgage Inc., Richmond, Va. Property: 586-588 Midland St., Bridgeport. Action: to foreclose on a delinquent mortgage in the original principal amount of $285,000, dated September 2007. Filed Dec. 10. Cook, Daphne L., et al., Weston. Filed by The Witherspoon Law Offices, Farmington, for U.S. Bank NA, trustee, Salt Lake City, Utah. Property: 6 Sachem Road, Weston. Action: to foreclose on a delinquent mortgage in the original principal amount of $805,000, dated August 2005. Filed Nov. 16.

20 Week of January 11, 2016 • FAIRFIELD COUNTY BUSINESS JOURNAL

Craumer, Carolyn R., et al., Greenwich. Filed by Hunt, Leibert & Jacobsen PC, Hartford, for The Bank of New York Mellon, trustee, New York, N.Y. Property: 79 N. Water St., Greenwich. Action: to foreclose on a delinquent mortgage in the original principal amount of $736,000, dated May 2004. Filed Nov. 30. DiFabio, Vincent, et al., Stamford. Filed by Welch, Teodosto Stanek & Blake LLC, Shelton, for Webster Bank NA, Waterbury. Property: 42 Alma Rock Road, Stamford. Action: to foreclose on a delinquent mortgage in the original principal amount of $150,000, dated November 2005. Filed Dec. 11. Dillon, Delia C., Wilton. Filed by Franklin G. Pilicy PC, Watertown, for Village Walk Condominium Inc., Wilton. Property: Unit 35 of Village Walk Condominium, Wilton. Action: to foreclose on a condominium lien for delinquent common charges and assessments and take immediate possession of the premises. Filed Dec. 14. Ehrismann, Yvonne J., Weston. Filed by Hunt, Leibert & Jacobsen PC, Hartford, for JPMorgan Chase Bank NA, Columbus, Ohio. Property: 26 Powder Horn Hill, Weston. Action: to foreclose on a delinquent mortgage in the original principal amount of $520,000, dated October 2007. Filed Dec. 14. Elgar, Flavius, et al., Bridgeport. Filed by Leopold & Associates, Stamford, for Deutsche Bank National Trust Co., Salt Lake City, Utah. Property: 251 Jennings Ave., Bridgeport. Action: to foreclose on a delinquent mortgage in the original principal amount of $229,500, dated January 2007. Filed Dec. 9. Gentry Inc., et al., Monroe. Filed by O’Connell, Attmore & Morris LLC, Hartford, for Bayview Loan Servicing LLC, Coral Gables, Fla. Property: 27 Maple Drive, Monroe. Action: to foreclose on a delinquent mortgage in the original principal amount of $530,000, dated December 2002. Filed Nov. 16. Gleason, Charles V., et al., Monroe. Filed by Cohen and Wolf PC, Orange, for Northbrook Tax District. Property: 11 Boulder Ridge Road, Monroe. Action: to foreclose on a statutory lien for unpaid district taxes and assessments and take immediate possession of the premises. Filed Nov. 12. Haynes, Veronica, et al., Wilton. Filed by Glass & Braus, Fairfield, for U.S. Bank NA, trustee, Salt Lake City, Utah. Property: 64 Little Rock Road, Wilton. Action: to foreclose on a delinquent mortgage in the original principal amount of $648,000, dated November 2006. Filed Dec. 11. Hliva, David J., Greenwich. Filed by Marinosci Law Group PC, Warwick, R.I., for U.S. Bank NA, trustee, Salt Lake City, Utah. Property: Lots 41, 42 and 43, Gerry St., Greenwich. Action: to foreclose on a delinquent mortgage in the original principal amount of $1.1 million, dated April 2007. Filed Dec. 14.

Kelly, Violet, et al., Bridgeport. Filed by Bendett & McHugh PC, Farmington, for U.S. Bank NA, trustee, Salt Lake City, Utah. Property: 561-563 Carroll Ave., Bridgeport. Action: to foreclose on a delinquent mortgage in the original principal amount of $64,000, dated February 2004. Filed Dec. 10. Khart 1966 LLC, et al., Bridgeport. Filed by Law Office of Sean T. Hogan, Westport, for Fayerweather Tower Condominium Association. Property: 155 Brewster St., Unit 4D, Bridgeport. Action: to foreclose on a statutory lien for delinquent common charges and assessments and take immediate possession of the premises. Filed Dec. 9. Lazar, Joan C. and Kenneth S. Lazar, et al., Weston. Filed by Jackson Law Group CT LLC, Shelton, for Astoria Bank, Astoria, N.Y. Property: Lot B-12, Map 1581, Weston. Action: to foreclose on a delinquent mortgage in the original principal amount of Filed Nov. 20. Long, Brian K., et al., Stratford. Filed by Hunt, Leibert & Jacobsen PC, Hartford, for Citibank NA Property: 282 Roosevelt Ave., Unit B, Stratford. Action: to foreclose on a delinquent mortgage in the original principal amount of $243,678, dated November 2008. Filed Dec. 11. McBroom, Charles W., et al., Stratford. Filed by Hunt, Leibert & Jacobsen PC, Hartford, for Citi Bank NA Property: 325 Garibaldi Ave., Stratford. Action: to foreclose on a delinquent mortgage in the original principal amount of $330,000, dated August 2005. Filed Dec. 16. McCarthy, Allison M. and Michael J. McCarthy, et al., Monroe. Filed by Marinosci Law Group PC, Warwick, R.I., for Nationstar Mortgage LLC, Lewisville, Texas. Property: Unit 306B of Northbrook Condominium, Monroe. Action: to foreclose on a delinquent mortgage in the original principal amount of $216,000, dated August 2008. Filed Dec. 16. Moore, Tracey L., Stratford. Filed by Hunt, Leibert & Jacobsen PC, Hartford, for JPMorgan Chase Bank NA, Columbus, Ohio. Property: 35 McNeil Terrace, Stratford. Action: to foreclose on a delinquent mortgage in the original principal amount of $220,000, dated October 2004. Filed Dec. 7. Mora, Petrona, Bridgeport. Filed by Hunt, Leibert & Jacobsen PC, Hartford, for Bank of New England. Property: 66 Sanford Place, Bridgeport. Action: to foreclose on a delinquent mortgage in the original principal amount of $315,000, dated July 2007. Filed Dec. 8. Mortgage Electronic Registration Systems Inc., Bridgeport. Filed by Hunt, Leibert & Jacobsen PC, Hartford, for Bank of America NA, Charlotte, N.C. Property: 535 Savoy St., Bridgeport. Action: to foreclose on a delinquent mortgage in the original principal amount of $70,000, dated May 2005. Filed Dec. 9.

o y w l i n e m d a F BUSINESS AWARDS

A call for nominations Help us celebrate the backbone of your community — the family-owned businesses that keep Fairfield and Westchester counties alive. For the third year, we are honoring the dedicated entrepreneurs who continue to create opportunity for the next generation. Tell us about your own business or a family-owned business you think deserves recognition.

Awards Celebration

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FEBRUARY 25  5:30 P.M.

VISIT westfaironline.com to submit a nomination. DEADLINE January 15, 2016. CONTACT Danielle Brody at 914-358-0757 or dbrody@westfairinc.com for more information.

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Divisions of Westfair Communications

FAIRFIELD COUNTY BUSINESS JOURNAL • Week of January 11, 2016 21

FACTS Okeke, Brenda E., et al., Bridgeport. Filed by Bendett & McHugh PC, Farmington, for U.S. Bank NA, trustee, Salt Lake City, Utah. Property: 230 Pearl Harbor St., Bridgeport. Action: to foreclose on a delinquent mortgage in the original principal amount of $90,000, dated May 2006. Filed Dec. 9. Priscilla, Pettway, et al., Stratford. Filed by Bendett & McHugh PC, Farmington, for Wilmington Trust Co., Wilmington, Del. Property: 180 Ryan Ave., Stratford. Action: to foreclose on a delinquent mortgage in the original principal amount of $81,825, dated May 2000. Filed Dec. 17. Prudencio, Reina, et al., Bridgeport. Filed by Bendett & McHugh PC, Farmington, for The Bank of New York Mellon, trustee, New York, N.Y. Property: 80-86 Goddard Ave., Bridgeport. Action: to foreclose on a delinquent mortgage in the original principal amount of $304,000, dated December 2005. Filed Dec. 8. Rosado, Jamie, et al., Stratford. Filed by Bendett & McHugh PC, Farmington, for Wells Fargo Bank NA, Frederick, Md. Property: 95 Rockland Ave., Stratford. Action: to foreclose on a delinquent mortgage in the original principal amount of $183,855, dated June 2007. Filed Dec. 7. Sackaroff, David, et al., Danbury. Filed by Frankel & Berg, Norwalk, for Lexington Mews Association Inc., Danbury. Property: Unit 1301 of The Mews Condominium, Danbury. Action: to foreclose on a condominium lien for delinquent common charges and assessments and take immediate possession of the premises. Filed Dec. 7. Silkman, Jennifer, et al., Monroe. Filed by Bendett & McHugh PC, Farmington, for Citimortgage Inc., O’Fallon, Mo. Property: 193 Cutlers Farm Road, Monroe. Action: to foreclose on a delinquent mortgage in the original principal amount of $417,000, dated July 2006. Filed Nov. 12.

Simoulidis, Panagiotis, et al., Monroe. Filed by Hunt, Leibert & Jacobsen PC, Hartford, for JPMorgan Chase Bank NA, Columbus, Ohio. Property: 94 Lynn Drive, Monroe. Action: to foreclose on a delinquent mortgage in the original principal amount of $394,733, dated September 2011. Filed Dec. 14. Sullivan, Margaret E., et al., Bridgeport. Filed by Bendett & McHugh PC, Farmington, for U.S. Bank NA, trustee, Salt Lake City, Utah. Property: 2625 Park Ave., Unit 7M, Bridgeport. Action: to foreclose on a delinquent mortgage in the original principal amount of $120,000, dated June 2006. Filed Dec. 9. Taveras, Yamil and Luis Leonardo, Stamford. Filed by Kathryn Emmett, Stamford, for the city of Stamford. Property: 745 Atlantic St., Stamford. Action: for partial acquisition of real property necessary for right of way reconstruction. Filed Dec. 11. Vaughan, Michael J., et al., Bethel. Filed by Leopold & Associates, Stamford, for Deutsche Bank National Trust Co., Salt Lake City, Utah. Property: 1 Marvin Place, Bethel. Action: to foreclose on a delinquent mortgage in the original principal amount of $280,000, dated April 2003. Filed Dec. 8.

MORTGAGES 156 Overlook Drive LLC, Greenwich, by Nicholas John Williams. Lender: James Pitts and Simone Monika Pitts, Hong Kong. Property: 156 Overlook Drive, Greenwich. Amount: $2.1 million. Filed Dec. 1. 22 Hollow Wood Lane, Rye, N.Y., by Franco Fazzolari. Lender: Suma (Yonkers) Federal Credit Union, Yonkers, N.Y. Property: 22 Hollow Wood Lane, Greenwich. Amount: $660,000. Filed Dec. 3.

27 Doubling Road LLC, Greenwich, by Richard DeFilippo. Lender: Sharestates Investments LLC, Great Neck, N.Y. Property: Doubling Road, Greenwich. Amount: $980,000. Filed Dec. 14. 35 Field Point LLC, Montvale, N.J., by Russell F. Warren Jr. Lender: The Provident Bank, Iselin, N.J. Property: Lot 29, Map 268, Greenwich. Amount: $3 million. Filed Dec. 17. 49 Beachside Acquisition LLC, by Kelly J. Fallquist. Lender: UBS Bank USA, Salt Lake City, Utah. Property: 49 Beachside Ave., Westport. Amount: $4.3 million. Filed Dec. 16.

FIGURES GEH Properties LLC, Greenwich, by Griffith E. Harris Jr. Lender: The First Bank of Greenwich, Greenwich. Property: 133 E. Putnam Ave., Greenwich. Amount: $2 million. Filed Dec. 14. Go Key Realty Consulting Ltd., Mount Sinai, N.Y., by Edward Stock. Lender: Loan Funder LLC, Series 490, New York, N.Y. Property: 216 Godfrey Road East, Weston. Amount: $378,000. Filed Nov. 12. Lobalbo Brothers Realty LLC, Stamford, by Alfred Lobalbo. Lender: Stamford Bank & Trust, Stamford. Property: 38 and 42-52 Camp Ave., Stamford. Amount: $2.2 million. Filed Dec. 11.

50 Sumner Road LLC, Greenwich, by Patrick Coakley. Lender: Transitional Funding Partners LP, Minnetonka, Minn. Property: 50 Sumner Road, Greenwich. Amount: $2 million. Filed Dec. 18.

Lokemachris LLC, New York, N.Y., by Luis Felipe. Lender: Bank of America NA, Houston, Texas. Property: Lot 1, Map 8341, Greenwich. Amount: $10 million. Filed Dec. 15.

79JE LLC, Greenwich, by Edwin H. Hershey II. Lender: Evariso Loan LLC, Monroe. Property: Lot 79, Map 279, Greenwich. Amount: $525,000. Filed Dec. 4.

Staffordshire Properties LLC, Wilton, by Joseph A. Kaddis Jr. Lender: TD Bank NA, Cherry Hill, N.J. Property: 503 Danbury Road, Wilton. Amount: $524,000. Filed Dec. 1.

Banks Tavern LLC, Weston, by Susan Feliciano. Lender: Stormfield Capital Funding LLC, Wilton. Property: 264 Lyons Plain Road, Weston. Amount: $420,000. Filed Dec. 4.

The River Club Inc., Stamford, by Alan Luchette. Lender: Bankwell Bank, New Canaan. Property: 208 Elm St., Greenwich. Amount: $1.5 million. Filed Dec. 14.

Cambridge Drive RE LLC, Woodside, N.Y., by Jacob E. Axel. Lender: Farmington Bank, Farmington. Property: 50 Cambridge Drive, Monroe. Amount: $500,000. Filed Nov. 13.

TRJ Property Management Group LLC, Guilford, by Tom Johnson. Lender: Sachem Capital Partners LLC, Branford. Property: 245-247 Bunnell St., Bridgeport. Amount: $100,000. Filed Dec. 10.

Davis and Orchard LLC, Armonk, N.Y., by Eric Lashing. Lender: Armonk Business Center LLC, Armonk, N.Y. Property: Lot 117, Map 96, Greenwich. Amount: $1.5 million. Filed Dec. 16.

Vanbrodt Estates LLC, Fairfield, by Matthew Brodtman. Lender: Fairfield County Bank, Ridgefield. Property: 12 Franklin Ave., Westport. Amount: $740,000. Filed Dec. 16.

NEW BUSINESSES ADKT Enterprise, 23 Howard Place, Bridgeport 06605, c/o Alice A. Duncan. Filed Dec. 11.

NEWS NOON @

ARA, Project Save-A-Cat, P.O. Box 434, Greenwich 06807, c/o Natalie Jarnstedt. Filed Nov. 30. Aromanism, 533 E. Putnam Ave., Greenwich 06830, c/o Stephen Eaton. Filed Nov. 30. AvPro, 1111 E. Putnam Ave., Suite 300, Greenwich 06878, c/o Jeffrey Woerz. Filed Dec. 4. Cabello’s Maintenance Cleaning, 37 Culloden Road, Apt. 2, Stamford 06903, c/o Jhon Cabello and Carmen Cabello. Filed Dec. 15. Chris Chos Deli, 107 Triangles St., Danbury 06810, c/o Francisoc Rodriguez. Filed Dec. 10. Clay Real Estate Associates, 7 Hiaratha Lane, Westport 06880, c/o Salvatore Zucaro. Filed Dec. 9.

Congregation Shir Shalom of Westchester and Fairfield Counties, 46 Peaceable St., Ridgefield 06877, c/o Helynn Broder. Filed Dec. 10. Cristo Cleaning Services, 3 Booth Terrace, Greenwich 06830, c/o Christina DeRosa. Filed Dec. 16. Dominic Dina Glamour, 1205 Stratford Ave., Bridgeport 06607, c/o Mancela Concepcion. Filed Dec. 10. Hilarys Hits, 26C Putnam Green, Greenwich 06830, c/o Hillary Phillips. Filed Dec. 3. IP Media Products LLC, 2399 Main St., Stratford 06615, c/o Dean Moccia. Filed Dec. 8. Jolie Gotique LLC, 52 Fairfield Road, Greenwich 06830, c/o Penny Goffman. Filed Dec. 17. Junior Car Service of Greenwich LLC, 10 Artic St., Greenwich 06830, c/o Rosendo G. Javier Jr. Filed Nov. 30. M. Collection, 2 Old Stone Bridge Road, Greenwich 06807, c/o Maria Delise. Filed Nov. 30. Medoit Development, 1071 Stillwater Road, Stamford 06902, c/o Peter Medoit. Filed Dec. 15. Scout & Molly’s, 275 Post Road East, Westport 06880, c/o Solkat Inc. Filed Dec. 15. Spartan Pizza, 540 Success Ave., Bridgeport 06610, c/o Angelos Spantidos. Filed Dec. 9. Temple Shearith Israel, 46 Peaceable St., Ridgefield 06877, c/o Helynn Broder. Filed Dec. 10. The Law Office of Stephanie R. Newell LLC, 285 Fairfield Ave., Bridgeport 06604, c/o Stephanie Newell. Filed Dec. 11. Wild Bill Fish & Tackle Co., 1165 King St., Greenwich 06830, c/o William Borsey. Filed Dec. 7.

NEW LIQUOR LICENSES Gallo, 5 Grove St., Ridgefield 06877, c/o Raffaele Gallo. Permit no. LIR.0018922. Filed Dec. 10.

PATENTS Additive attachment on toner particles by plasma. Patent no. 9,223,237 issued to Joo T. Chung, Webster, N.Y.; Steven M. Malachowski, East Rochester, N.Y.; Chieh-Min Cheng, Rochester, N.Y.; and Shigeng Li, Webster, N.Y. Assigned to Xerox Corp., Norwalk.

Automated method and system for detecting the presence of a lit cigarette. Patent no. 9,224,278 issued to Edgar A. Bernal, Webster, N.Y.; Robert P. Loce, Webster, N.Y.; Graham Pennington, Webster, N.Y.; and Wencheng Wu, Webster, N.Y. Assigned to Xerox Corp., Norwalk. Date augmentation method and system for improved automatic license plate recognition. Patent no. 9,224,058 issued to Peter Paul, Webster, N.Y.; Vladimir Kozitsky, Rochester, N.Y.; Aaron Michael Burry, Ontario, N.Y.; Martin Edward, Rochester, N.Y.; and Mark Cantelli, Germantown, Md. Assigned to Xerox Corp., Norwalk. Hybrid method and system of video and vision-based access control for parking stall occupancy determination. Patent no. 9,224,058 issued to Wencheng Wu, Webster, N.Y.; Yao Rong Wang, Webster, N.Y.; and Graham Pennington, Webster, N.Y. Assigned to Xerox Corp., Norwalk. Method and apparatus for implementing optical-roll scanning to identify defects in roll components used in an image production device. Patent no. 9,224,197 issued to Christopher Jensen, Rochester, N.Y. Assigned to Xerox Corp., Norwalk. Method to reduce surface resistivity of a release agent applicator in a printing apparatus. Patent no. 9,221,244 issued to Michael C. Gordon, Sammamish, Wash.; Gregory J. Lapinski, Portland, Ore.; Gregory Hjelmeland, Beaverton, Ore.; Michael P. O’Dierno, Beaverton, Ore.; Edward F. Burress, West Linn, Ore.; Devin R. Bailly, Portland, Ore.; Michael J. Engle, Canby, Ore.; Steven B. Gazeley, West Linn, Ore.; Brian G. Russell, Seattle, Wash.; and David J. Houston, West Linn, Ore. Assigned to Xerox Corp., Norwalk. Methods and systems for implementing a network-based extensible interface platform for multifunction devices. Patent no. 9,223525 issued to Christopher Villone, Macedon, N.Y. Assigned to Xerox Corp., Norwalk. Personalized packaging production system. Patent no. 9,221,226 issued to Linn C. Hoover, Webster, N.Y.; William J. Nowak, Webster, N.Y.; Robert A. Clark, Williamson, N.Y.; Peter J. Knausdorf, Henrietta, N.Y.; and Thomas J. Wyble, Williamson, N.Y. Assigned to Xerox Corp., Norwalk. Release agent composition for improved coefficient of friction. Patent no. 9,221,245 issued to Jason M. LeFevre, Penfield, N.Y.; Paul J. McConville, Webster, N.Y.; James M. Chappell, Webster, N.Y.; Joanne L. Lee, Rochester, N.Y.; Rachael L. McGrath, Churchville, N.Y.; and Santokh S. Badesha, Pittsford, N.Y. Assigned to Xerox Corp., Norwalk. System for detecting inoperative inkjets in print heads ejecting clear ink using a rotating member having a light transmitting surface. Patent no. 9,221,248 issued to Paul S. Bonino, Ontario, N.Y. Assigned to Xerox Corp., Norwalk.

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FAIRFIELD COUNTY BUSINESS JOURNAL • Week of January 11, 2016 23

Portrait by renowned illustrator Joseph Adolphe.

WILMINGTON TRUST RENOWNED INSIGHT

“The greatest threat to your wealth? Risk you don’t see coming.”

Carmen Del Guercio Group Vice President and Head of Private Banking Carmen oversees all of Wilmington Trust’s Private Banking services. He works closely with our Wealth Advisory group to help ensure banking and lending strategies are customized for a client’s unique needs and integrated with the overall financial plan. Carmen is part of a seasoned team of professionals who exemplify Wilmington Trust’s 112-year heritage of successfully advising families. For access to knowledgeable professionals like Carmen and the rest of our team, contact Larry Gore at 212-415-0547.

Entrepreneurs are risk takers by nature, leveraging insight, hard work, and capital to create successful companies. But when your company is your main source of financial security, you need to protect it from risk – like natural disaster, legal liability, and crime. Assessing risk. Unfortunately, many business owners don’t think about specific risks until they’ve experienced a threat firsthand. Which is why planning ahead is so critical to protect you and your business from losses. And while asset concentration, fiduciary risk, and risks unique to the nature of your business are extremely important to consider, there are emerging threats you could face. The new threat. The Center for Strategic and International Studies (CSIS) has estimated that cyber crime costs the U.S. economy at least $445 billion a year – $160 billion lost by individuals and $285 billion by companies. The risk is so great today that one solution many business owners are considering is cyber security insurance. These policies typically cover damage to digital assets, business interruptions, and reputational harm. They

can also defray liability costs, and may pay for forensic investigations, customer notification, credit monitoring, and legal and public relations services.

$445 BILLION IS LOST BY THE U.S. ECONOMY ANNUALLY DUE TO CYBER CRIME Source: Center for Strategic and International Studies, June 2014

Be prepared. Whatever your potential risks, it’s important to plan ahead and develop an integrated, cohesive strategy for minimizing your exposure. Your own risk exposure will depend on many factors – the nature of your business, your personal tax and financial situation, and estate and business succession planning considerations. Wilmington Trust can help. Founded by a family business leader more than a century ago, we have the experience to help you assess the needs of your business and implement a plan specific to you. For more insight on how we’ve successfully advised business owners for more than 112 years, visit wilmingtontrust.com/assetprotection.

FIDUCIARY SERVICES | WEALTH PLANNING | INVESTMENT MANAGEMENT | PRIVATE BANKING

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

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