August 2023

Please enjoy this issue of Community Trends® - The Senior Focus issue, dealing with everything for 55+ communities.

AUGUST 2023 Community Trends



PhotoInc/E+/Getty Images

In This Issue • Unlocking the Door to Community — A Guide on How to Get Involvement in Your HOA • Accumulating and Caring for Wealth • Snowbird Safety: Modern Solutions for Senior Citizens • A Senior’s Compass to Navigate the Social Media Seas • ....and more


The Community Associations Institute New Jersey chapter would like to thank its 2023 Ultimate Partners below. For more information on our sponsorships, please contact CAI-NJ at 609-588-0030 or



12 Unlocking the Door to Community — A Guide on How to Get Involvement in Your Community By Patrick Alexander Taylor Management Company, AAMC, AMO 18 Accumulating and Caring for Wealth By Michael Mezzo, CPA, MBA WilkinGuttenplan 24 Snowbird Safety: Modern Solutions for Senior Citizens By Nicole Martone, CMCA, AMS, PCAM Associa Community Management Corp. of New Jersey, AAMC 28 A Senior’s Compass to Navigating the Social Media Seas By Alicia Ambrose JGS Insurance, a Baldwin Risk Partner 36 Management Trends: When is the Right Time to Begin Estate Planning? By Michelle Williams, CMCA, AMS Taylor Management Company, AAMC, AMO




EXTRAS President’s Corner Looking Ahead

5 6 7 8

CAI-NJ Upcoming Events

Legislative Update

CAI-NJ Board of Directors Nomination Form

11 15 22

F.A.S.T. Olympics Recap & Photos F.A.S.T. School Supply Drive F.A.S.T Kickball Tournament Registration 27 Pre-Conference Networking Reception — Save the Date 31 2024 CAI-NJ Committee Sign-Ups 33 Beach Party Sponsor Announcement 37 2023 Beach Party Registration 38 New Members 40 2023 CAI-NJ Recruiter Club Challenge 41 CA-PAC 9 & Nosh Foursome Registration 43 Board Leadership Development Workshop Registration 45


Save the Date & Tentative Schedule

53 54 60 62 47 48 49 50


Managers All-Access Pass

Why Homeowners Should Attend

Attendee Registration

Joint Best Practices Roundtable: For Homeowner Leaders, Managers & Business Partners

Webinar Wednesdays

2023 Ultimate Partner Listings

CAI-NJ Family Day at Laurita Winery — Save the Date










Mary Barrett, Esq. Stark & Stark Attorneys at Law Business Partner

Charles Lavine Homeowner Leader Carol Nickerson, CMCA

Benjamin Basch, EBP Ground Support Services Business Partner Joseph Chorba, CPA

FirstService Residential, AAMC Community Association Manager Robert Travis, CIRMS Long Beach Commons Condominium Association Homeowner Leader

WilkinGutenplan Business Partner

GENERAL COUNSEL Jason Orlando, Esq. Orlando Murphy LLP

GENERAL COUNSEL EMERITUS Wendell A. Smith, Esq., CCAL Greenbaum, Rowe, Smith & Davis, LLP

IMMEDIATE PAST PRESIDENT Jeffrey Logan Guardian Service Industries, Inc.





S ummer is a time for long, warm days, fun activities with family and friends and even that much needed rest and relaxation. It teaches us to be fully awake, engaged, and open to everything that is happening around us. At CAI-NJ, this summer is no different as we want members to stay active and involved with fun events and excellent educational opportunities. Giving Back CAI-NJ’s F.A.S.T. hosted their Annual Olympics this past July to raise funds for Make-A-Wish New Jersey, where members competed in a fun, adult field day


with games like flip cup and a water relay. This was a great day to get out of the office, ditch the business casual and take the time to team build and net work on a warm, summer day. After all the scores were tallied, the first place, winning team was Cowleys Pest Services. This event concluded with a Slime the Board Challenge. Members

“At the Annual Meeting, I challenged our members to get more involved and reach out and make connections... One great way to do that is to join a committee...”


Contact CAI-NJ


donated towards their choice board member to be slimed at the end of the day. Kristina Munson, CMCA, AMS, PCAM was the lucky slimee for this year’s event. Turn to page15 for photos of the day. With this event, F.A.S.T. was able to raise a total of over $11,500 for this excellent cause. A big thank you to all that made this event possible and to the sponsors and those that donated! Stay tuned for the F.A.S.T. Kickball Tournament on September 28 where the committee will raise additional funds for Make-A-Wish New Jersey. Registration can be found on page 27. To finish off the year with F.A.S.T., they will host the Make-A-Wish New Jersey Breakfast and Castle Tour where we will come together to celebrate these achievements and present them with the final check. Committee Sign-Ups At the Annual Meeting, I challenged our members to get more involved and reach out and make connections with someone and step out of your comfort zone within the membership. One great way to do that is to join a committee for 2024. CAI-NJ has 12 committees which all actively work on their mission goals throughout the year. Some are more hands on than others, but each one gives you an opportunity to connect and build a relationship with 10 to 24 new members depending on the committee size. I implore you to take advantage of this member benefit and utilize the experience of these actively involved col CONTINUES ON PAGE 46


CAI-NJ on Social Media CAINJCHAPTER Community Associations Institute - New Jersey Chapter






THANK YOU to all our devoted committee members! Our chapter is extremely fortunate to have over 195 volunteers sitting on our committees, creating events and educational programs, to enhance the value of your CAI-NJ membership. I strongly believe that you get back what you give and by giving your time to participate on one of our 12 committees, you will have the opportunity to meet some amazing people while building your industry network. It’s time to plan for your 2024 committee. Sign-ups are now open! Please visit page 33 for the registration form and volunteer for the one that best suits you. • Awards Committee — Our first event for the year, the Annual Awards Celebration, attended by over 350 members annually, honors the past year’s president and celebrates members demonstrating excellence in our industry. Committee members assist in making the Annual Awards Celebration a must-attend event. • Business Partner Committee — This committee, comprised solely of Business Partner Members, strives to enhance the chapter benefits offered to not only busi ness partners but community association managers and homeowner leaders as well, by providing opportunities to foster relationships within the industry, through net working events and creating educational opportunities. • Conference & Expo Committee — This two day event begins with the Pre-Conference Networking Reception followed by the Conference & Expo, with over 1,100 attendees. Assist in the planning and exe cution of the chapter’s signature event, ensuring that common interest community (CIC) board members and managers join the exhibitors for timely education while learning what’s trending in the industry. • Editorial Committee — The chapter’s monthly digi tal magazine, Community Trends ® , the official median of communication for the chapter, is an important resource

for all three membership types within CAI. The Editorial Committee is responsible for soliciting, reviewing, and editing all articles for publication in the magazine. • Events Committee — If you enjoy being part of a huge party, then this committee is for you. Assist with the planning and execution of both the Beach Party, attend ed by over 700 members, and the elegant Winter Break Party attended by over 300, the final networking event of the year. This committee establishes the event themes, secures sponsorships, solicits attendance, and assists with registration for both events. • Future All Star Team (F.A.S.T.) Committee — This committee’s focus, comprised of our young rising stars, the future leaders of our industry, is on professional development, civic outreach, and charitable fundraising, as they make a positive impact on their personal and professional lives as well as in our communities. This committee plans and executes the Annual Olympics and Kickball Tournament, raising donations for the Make-a Wish, New Jersey Foundation in addition to clothing and school supply drives throughout the year. • Golf Committee — Our Annual Dennis R. Casale Memorial Golf Outing, attended by more than 250 golf ers, is one of our premier events. The Golf Committee plans the event, secures event sponsorships, and solicits attendance. • Homeowner Leader Committee — This com mittee, comprised solely of common interest community (CIC) board members, creates benefits, networking opportunities and programs on issues directly affecting homeowner leaders. • Manager Committee — The focus of this com mittee, comprised solely of community association Manager Members, is to promote professionalism of community association managers within the industry CONTINUES ON PAGE 54



CALENDAR 2023 Events & Education



3 10

5 7

Ultimate Night Out Jersey Shore BlueClaws Stadium, Lakewood

CA-PAC 9 & Nosh Concordia Golf Club, Monroe Twp. Family Day at Laurita Winery Laurita Winery, New Egypt

CMCA Exam Study Group - Coffee & Cram CAI-NJ Headquarters, Freehold Board Leadership Development Workshop CAI-NJ Headquarters, Freehold


18 19

Pre-Conference Networking Reception The Event Center @iPA, Freehold

Conference & Expo The Event Center @iPA, Freehold


Joint Manager, Business Partner and Homeowner Roundtable Regency at Monroe Homeowners Assoc., Monroe Twp.



Manager Leadership Workshop Clearbrook Community Association, Monroe Twp.

14 27 28

Beach Party Martell’s Tiki Bar, Pt. Pleasant

Wednesday Webinar Virtual


F.A.S.T. Kickball Tournament Mercer County Park, Princeton Junction

5 5

Annual Meeting & Chapter Retreat The Grand Marquis, Old Bridge

Winter Break Party The Grand Marquis, Old Bridge

Register for these and other events at All events are subject to change .



W e hope that everyone is enjoying the Summer. We expect that the legislative action will cool down until the lame duck session in the Fall. However, over here at the New Jersey Legislative Action Committee (NJ-LAC) we will still be moving full steam ahead. While our structural integrity legislation (S2760) passed out of both the Senate Community and Urban Affairs Committees, its assembly counterpart (A4384) is still in committee. Furthermore, at this time there may not be enough support for the bill to pass on the floor of either house. The LAC’s goal over the summer is to educate your law makers regarding the importance of this bill in protecting the safety of residents and the financial well-being of asso ciations. This need has only grown in light of the recent Iowa building collapse. In the Fall, we ask that you be on the lookout for calls to action and other alerts so we can get this bill over the finish line during this legislative session. In addition to structural integrity, please be aware of the following: • A5179 – “Fire Safety and Smoke Control System Inspection Verification Act” – This bill has passed both houses of the legislature and is on the governor’s desk for signature. It will require periodic testing and inspec tion of smoke damper control systems in residential struc tures. Please discuss these new requirements with your fire protection professionals. • New Jersey has appropriated $50,000 per county and up to $15,000 per municipality for the treatment of spotted lantern flies. If this is a problem in your location, ask your local government to apply for a grant. • A4488/S2662 – This bill has passed both houses and is on the governor’s desk. It prohibits community associ ations from prohibiting resident police officers (and other police officers visiting the property for reasons unrelated

“The LAC’s goal over the summer is to educate your lawmakers regarding the importance of this bill in protecting the safety of residents and the financial well being of associations.” offered an opportunity to continue their onsite employ ment with the new staffing company (or with the associa tion if it goes from outside staffing to direct employment) for a 60-day transition period. • S3110/A47830 – This bill has passed both houses and was conditionally vetoed by the Governor. The legislature has re-passed the bill with the governor’s sug gestions. It requires residential landlords to make certain disclosures to residential tenants if the property is located in a flood hazard zone. • S3125/A4947 – This bill has passed both houses and is on the governor’s desk. This law expands “Daniel’s Law” to include child protective investigators. It prohib its public and private actors from publishing the home address and unlisted phone numbers of current and retired judges, prosecutors, law enforcement officers, and child protective investigators. n to police business) from parking their marked police vehicles in appropriate parking spaces. • A4682/S2389 – This bill has passed both houses and is on the governor’s desk. In essence, it will require that when an association hires or fires a staffing company providing employees for building services (concierge, doorman, maintenance, security, and other non-office roles), those persons already working onsite must be




AWARDS COMMITTEE Annie Gonzales — Chair Lila Khiry Cirillo — Vice Chair Jeanine Clark, Esq. Drew Cowley Lindsay Cupples, EBP


GOLF OUTING COMMITTEE Fred Hodge, Jr., EBP — Chair Keith Giliberti, PE, RS, EBP — Vice Chair Harold Berlowe, CMCA Chris Belkot Lorenzo Cullari, AICP Sal Iozzia Hank Johns, EBP Lisa Komitor Cathy Mango, EBP Karl Meth, Esq. Paul Migliore

MANAGER COMMITTEE Mary Barone, CMCA, AMS — Chair Chuck Graziano, PCAM — Vice Chair Erin Cautero, CMCA, AMS Tom Curry, CMCA, AMS, PCAM Michael Flippin, CMCA, AMS, PCAM Anthony Gjergji, Jr. Richard Mattalian, CMCA, AMS, PCAM Erin O’Reilly, CMCA, AMS, PCAM Vincent Rapolla, AMS Mariaellen Varelis Elaine Warga-Murray, CMCA, AMS, PCAM Michelle Williams, CMCA, AMS Board Liaisons Kristina Munson, CMCA, AMS, PCAM Carol Nickerson, CMCA Staff Liaisons: Jaclyn Oskierko Robin Surgent MEMBERSHIP COMMITTEE Tara Baldwin, CPA — Chair Megan Elgard, EBP — Vice Chair Michael Barch Lysa Bergenfeld, Esq. Nichole Gist Antoinette Hutchinson Melissa Lloyd, CMCA, AMS

Drew Podolski, Esq. — Vice Chair Robert Arnone, MSRE, CMCA, AMS

Don Cabrera, CMCA David Dockery, Esq. Jonathan Katz, Esq. Michael Mezzo, CPA, MBA

Kim Dempsey Jeffrey Logan Christine Maldonado Michael Millar Vanessa Pena Kari Prout, CMCA

Steven Morris. RS Casey Sky Noon Robert Roop Board Liaisons Mary Barrett, Esq. Carol Nickerson, CMCA Staff Liaison: Brooke Stoppiello-Nevins EVENTS COMMITTEE Debbie Pasquariello, CIC, CIRMS, EBP — Chair Diane Cody, CMCA, PCAM — Vice Chair Ray Barnes, CMCA, AMS, PCAM Tim Bruchez

Nicole Skaro, CMCA, EBP Eileen Szelewicki, CMCA Mary Visco Sandi Wiktor Board Liaisons Tony Nardone, MBA, PCAM Christopher Nicosia, CMCA, AMS, PCAM Staff Liaisons: Jaclyn Oskierko Jennifer Farrell BUSINESS PARTNER Gregory Vinogradsky, Esq., EBP — Chair Mike Luzzi, CPIA, EBP — Vice Chair Theresa Beckett, EBP Jack Benson Jordan Burkhalter, CPA

Mike Polulak, Esq. Ross Rutman, EBP David Shahrabani, EBP

Jasmin Shelton Jodi Smallwood Michael Sturchio Ryan Weiner Charles Witczak, III, PE, PP, PLS Tom Witkowski Paul Wojciechowski Board Liaisons Steven Mlenak, Esq. Tony Nardone, MBA, PCAM

Dean Catanzarite Justine DelVecchio

Frank Fasolo, IV Freedom Hildreth Pam Illiano Stacey Koehl, CMCA, AMS Laura McIntyre, EBP Daniel Reilly Rachel Rutman Christina Mirra Sohnen Randy Vogel Melissa Volet, Esq. Jill Zulin Board Liaisons Joseph Chorba, CPA F.A.S.T. COMMITTEE Steven Kuhnert — Chair Jessica Long — Vice Chair JP Ascolese Adara Azeez Chelsea Brodmerkel Jonathan Cairone Alexis Dairman Eric Eggert, CIC, CIRMS Shelby Evans, CPA, EBP Kristi Evans Rebecca Gavin Mary Ellen Liberatore Will Meola Marian Miawad, Esq. Nicole Miller, Esq. Charles Lavine Staff Liaisons: Jaclyn Oskierko Jennifer Farrell

Staff Liaisons: Jaclyn Oskierko Jennifer Farrell HOMEOWNER LEADER COMMITTEE Richard Lans — Chair Lois Gerber — Vice Chair Bruce Blum Roslyn Brodsky Barbara Finn, CMCA

Kim Manicone Renee Martin Mark Mojares Kathleen Radler Brent Rivenburgh, EBP Steve Roderick, EBP Michael Ryan Ken Shah Rick Sobczak Ryan Trembley Michael Willner, Esq. Board Liaisons Joseph Chorba, CPA

Ron Fermano Carrie Fusella Dave Kiessling Richard Lang, EBP Toni Licciardi Chris Merkler Donna Meyer, EBP Ben Mitrou John Prisco, Esq. Sal Sciallo Perry Stavridis Jessica Vail, EBP David Velasco, EBP Michael Vennitti, EBP Board Liaisons Benjamin Basch, EBP Ryan Fleming, EBP

Charles Fredericks Kenneth Freeman Salvatore Gurriero

Keira Hauck Carl Kentzel Cheryl Palent

Board Liaisons Charles Lavine Robert Travis, CIRMS

Charles Lavine Staff Liaison: Robin Surgent WOMEN’S LEADERSHP COMMITTEE Lirelle Klein — Chair Jamie Cullen, CMCA — Vice Chair Amani Abdellah, Esq. Jennifer Carr

Staff Liaisons: Jaclyn Oskierko Robin Surgent LEGISLATIVE ACTION COMMITTEE (LAC)/PAC Matthew Z. Earle, Esq. — Chair Edward San George, PCAM — Vice Chair Jackie Thermidor, CMCA, AMS, PCAM — Secretary Mohammed Salyani, CPA — Treasurer Elizabeth Comando, CMCA, PCAM — PAC President Andrew Podolski, Esq. — PAC Vice President James Rademacher, EBP — PAC Committee Jennifer Alexander, Esq. Roslyn Brodsky Barbara Drummond, CMCA, PCAM

Staff Liaisons: Jaclyn Oskierko Robin Surgent

CONFERENCE & EXPO Saher Gouda, EBP — Chair Shelia Adams, CMCA — Vice Chair Joe Bonafede Jay Burak Nicole Camarota, CMCA, AMS George Caso Martinez Angela Celeste Ellen Comiski, CMCA Marty Conway John Echelmeier Jessica Kizmann, CPA Danita Susi Holly Teufel, CMCA, AMS Board Liaisons Ryan Fleming, EBP Christopher Nicosia, CMCA, AMS, PCAM

Linda Courain, CMCA, AMS Martinia Heath, CMCA, AMS Svetlana Malinsky, CMCA Kristin Marzarella Gail McDermid, CMCA, AMS, PCAM Rachel Neves Jennifer Nevins, CMCA, EBP Jen O’Brien Cheryl Rhine, CIC, CIRMS, EBP Nikki Schillaci, EBP Lisa Vitiello, CPA Board Liaisons Mary Barrett, Esq. Kristina Munson, CMCA, AMS, PCAM

Jose Romero Dharmi Shah Peter Shine, EBP Ilija Trajkoski

Mitchell Frumkin, RS Vincent Hager, CIRMS Karyn Kennedy-Branco, Esq. Terry Kessler, Esq. J. David Ramsey, Esq. Lisa Rayca, CMCA, AMS John Reichart Alexander Scheffer, CMCA Board Liaisons: Richard Milder Cheryl Palent

Lauren Vadenais, EBP Kristy Winchock, EBP Board Liaisons Benjamin Basch, EBP Kristina Munson, CMCA, AMS, PCAM Staff Liaisons: Brooke Stoppiello-Nevins Robin Surgent

Staff Liaisons: Jaclyn Oskierko Robin Surgent

Staff Liaisons: Jaclyn Oskierko Jennifer Farrell

Steven Mlenak, Esq. Robert Travis, CIRMS Staff Liaisons: Angela Kavanaugh Robin Surgent




Alliance Association Bank Ansell Grimm & Aaron, PC Associa Community Management Corp., AAMC Becker BELFOR Property Restoration Brown & Brown Insurance of Lehigh Valley Corner Property Management, LLC, AAMC

GAF Hill Wallack LLP Kipcon Inc. McGovern Legal Services, LLC PS&S, LLC PuroClean of Hoboken, Jersey City, Fort Lee Rezkom Enterprises, Inc. Sweeping Corp. of America (SCA) Taylor Management Company, AAMC, AMO Technocality, Inc. USI Insurance Services WilkinGuttenplan

Denali Property Management, Inc. The Falcon Group - Engineering, Architecture & Reserve Specialists FWH Associates, P.A.

Accent Group Access Property Management, AAMC, AMO Adamas Building Services All County Exteriors Amco Pest Solutions, Inc. Anchor Pest Control Becht Engineering BT, Inc. Buckalew Frizzell & Crevina LLP Capital One Bank, N.A. New Jersey Clearview Washing, LLC Cowleys Pest Services Curcio Mirzaian Sirot, LLC Cutolo Barros, LLC Dior Construction, Roofing, and Siding

Environmental Designers Irrigation, Inc FirstService Residential, AAMC FloodCo USA Greenbaum, Rowe, Smith & Davis LLP Griffin Alexander, P.C. Guardian Service Industries, Inc. Innovative Pressure Cleaning The Jesan Companies JGS Insurance, a Baldwin Risk Partner KPI2 Enterprises, Inc. Lemus Construction, Inc. Mackoul Risk Solutions, LLC

Preferred Community Management Services, Inc., AAMC Radom & Wetter Renda Roads, Inc. Snowscapes South Shore Construction, LLC STAR Building Services Two Men Property Services Group, Inc. Popular Association Banking Quality 1st Contracting, Inc. Rainbow - G & J Painting, LLC Regal Restoration USA Republic Services of New Jersey, LLC SageWater Servpro of Howell/Wall Stark & Stark Attorneys at Law Valley Bank Wilkin Management Group, Inc. Witczak Engineering One Call Roofing & Siding O & S Associates, Inc. Parallel Architectural Group Pardini R. Construction Corporation PeopleFirst Property & Casualty Services

Morris Engineering, LLC National Contractors, Inc. National Cooperative Bank

Garden State Pavement Solutions Giordano, Halleran & Ciesla Hueston McNulty, P.C. L.N. Rothberg & Son, Inc. Landscape Maintenance Services, Inc. Mizza Pest Control

Accurate Reconstruction APC Hospitality, LLC AR Management Company Association Advisors NJ CCA, Construction Consulting Associates, LLC Felsen Insurance Services, Inc. First Onsite Pacific Western Bank

APPLICATION Nomination for the CAI-NJ Board of Directors Term Commencing January 1, 2024

We currently have one (1) board seat opening beginning January 1, 2024. All chapter members are invited to submit their names to the Nominating Committee for consideration for nomination to the Board of Directors. Submission of this application does not guarantee nomination by the Nominating Committee to the Board of Directors. In accordance with the CAI-NJ by-laws, directors willbe elected at the CAI-NJ annual meeting on December 5, 2023. Please completeand return this application to: CAI-NJ Attn: Nominating Committee

500 Harding Road Freehold, NJ 07728 E-mail: Fax Number: (609) 588-0040

Name: _______________________________________________________________________________ Association/Firm: ______________________________________________________________________ Address: _____________________________________________________________________________ Phone: (W)___________________________________ (C)______________________________________ Email: _______________________________________________________________________________

Please check your CAI membership category: Homeowner Leader

Community Association Manager

Business Partner

Print or type your answer to each of the questions below on a separate sheet of paper. Please limit each of your answers to 50 words or less. 1. What are your personal goals as a chapter member? 2. What unique skills and abilities would you bring to the CAI-NJ Board of Directors? 3. How do you help build consensus in a group? 4. What are the biggest challenges facing CAI and the New Jersey chapter and how can you help CAI-NJ address these challenges? 5. How could you contribute to the growth and advancement of CAI-NJ?

Please attach a brief biographical statement (not to exceed one page) which includes: 1. Educational background and career history 2. Involvement in other professional activities and organizations 3. Involvement in CAI (national and/or chapter level - committees, etc.) 4. Other leadership activities (i.e., community service, non-profit board positions) 5. Professional awards and recognition received

TIME REQUIREMENTS - Board members are expected to attend a monthly board meeting usually held remotely. The meetings are normally held the fourth Wednesday of each month and start at 9:30 am and conclude around noon, but the date and time are subject to change. Board members will be appointed as the board liaison to one (1) or more of our committees and are expected to attend the assigned committee meetings. It is also expected that all board members will attend as many chapter sponsored educational and networking events as possible.

Signature Date Applications must be received in the CAI-NJ office by the close of business on Friday, September 8, 2023.

Unlocking the Door to COMMUNITY

A Guide on How to Get Involvement in Your HOA By Patrick Alexander, Taylor Management Company, AAMC, AMO

H ave you ever asked yourself, “Why do people move into a HOA?” For some, their condo or townhome is an investment. For others, it’s a home where residents can escape the burden of main taining a structure and landscape. Each individual will have their own motivations, but access to amenities in a neighborhood that fosters community is a unique draw for many of our residents. But anyone who has tried to cultivate a sense of community within your HOA knows, build it and they will come, is not a viable strategy. This is commonly the job of your community’s lifestyle director but can be done by a social committee or any strong group of volunteers you have. Here we will explore the multifaceted approaches necessary to engage your community, and some common pitfalls and challenges.

bubaone/DigitalVision Vectors/Eoneren/E+/Getty Images

Constructing Your Communication Infrastructure So, you found yourself a lifestyle director or formed a new social committee and have given them the directive of maintaining that elusive sense of community. Now what? You can pull a myriad of different events and activities from a Google search, and while that isn’t a bad place to start, Google cannot tell you what your residents want. Your first goal is to empower your resi dents. When members feel vested and involved in the decision-making process, they are more likely to take an active role. You should maintain a two-lane pathway of communication that allows you to advertise and promote your community’s events but also enables residents with the ability to express what types of activities they wish to see from you. You can ask them to answer a poll or




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UNLOCKING THE DOOR... from page 12.

Sustaining the Momentum What happens after a successful event? That means you’re halfway there, but your job isn’t over. Maintaining a community of volunteers and engaged residents is the most challenging part of building it. A small handful of volunteers can get quickly burned out, while a large pool of candidates can leave them without meaningful work, sense of purpose or belonging to the group. Residents that eagerly attend your inaugural bingo night can begin to find the event stale if you don’t provide enough variety. Solicit feedback, recognize contributions, and support your volunteers if you want them to stick around. Keep the lines of communication with your residents open at all times and keep reminding them they are stakeholders in their com munity and have permission to share their passions and interests. Don’t let what you build fizzle out. Not every community has a pool, tennis court, or club house, but we all have people. If you want to cultivate that strong and happy community, they will be your greatest resource. Talking with them is how you unlock the door to the community. n

take informal feedback during any public meetings. Give the people what they want. How to Fund the Fun Before you gather this type of information from your res idents, you are probably wondering how you will pay for it. Not every event is going to cost money, but you need to have a plan in place. Utilize the skills and hobbies of your residents where you can. Did one of your residents suggest forming a Mahjong club and you need to figure out what that is? Well, me too, but that resident was willing and able to provide free lessons, materials and host the club at their home. You can turn-key numerous clubs using this strategy. That said, if an event incurs costs, the HOA does not have to fund it. Residents are willing to pay a nominal fee to enjoy the quality entertainment you bring to your site, and part of that fee can go towards a modest fund for future events. You don’t need to make a profit. As long as you continue to break even, you can continue funding the fun.



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WEALTH Accumulating and Caring for By Michael Mezzo, CPA, MBA, WilkinGuttenplan

Yutthana Gaetgeaw/iStock/Getty Images Plus

W hile navigating own personal retirement and estate planning, view it as a two pronged approach. The first item to tackle is ensuring that your assets are invested in accounts that suit your retirement needs. The next step is to create a path defined by legal documentation that will allow the distribu tion of your estate to go off without a hitch! STEP 1: Understanding Retirement Savings Accounts The first thing to tackle while planning for your estate is ensuring you have sufficient assets to distribute. Planning for

this should happen well in advance of your retirement. It should begin on the first day of your working career! Most employers will offer some investment vehicle to ensure you save for your retirement throughout your career. Some of the more common retirement plans are included below: 401k: This is one of the most common investment options individuals use to save for retirement. Employers offer 401k plans and allow employees to contribute a portion of their wages directly into a retirement savings account. Many employers will also also have a “matching benefit” to match the employee’s contribution. The matching contri bution is usually capped at a specific dollar value or per




WEALTH... from page 18.

centage. Nonetheless, reviewing your contribution elections is important to ensure you are taking full advantage of this benefit! 403(b): This option is very similar to the 401k discussed above but is designed specifically for public edu cators and employees of tax-exempt entities such as churches and charita ble organizations. The common differences that set a 403(b) apart from a 401k are out lined below: Administrative Fees: Both 401k’s and 403(b)’s utilize what is known as a “plan sponsor” to oversee the operation of the retirement plan. The sponsors handle all operation al aspects of the fund and charge the employer a fee. 403(b) plans typically have lower administrative fees than those of 401k’s, meaning that a more significant portion of the plans profits are reinvested into the plan itself. Catch-Up Contributions: The IRS places an annual limit on how much money an employee can contribute to a 401k or 403(b). As employees begin to approach their retirement age, the IRS will allow them to make “catch up” contri butions, which are more than the annual limits, to help them prepare for their nearing retirement. These “catch-up” contributions typically become eligible to individuals par ticipating in a 403(b) earlier than they do in a 401k. The reasoning is because many 403(b) plans define the eligibility for these catch

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up contributions based on years of employment, rather than age. Vesting relates to ownership of contributions into an individ ual’s retirement account. As discussed above, there are typi cally two types of contributions to a retirement fund: employee contributions (which are withheld directly from an employee’s paycheck) and employee matching contributions. Individuals always have full ownership (i.e., 100% vested) of their direct contributions. Vesting comes into play when dealing with the employer match. Many organizations stage your ownership of the matching contributions based on years of service with the company. Generally speaking, 403(b) plans offer shorter vesting periods than 401ks. Pensions: This type of retirement plan has become less common over the years due to the high employer costs associated with maintaining a healthy fund. A pension plan is similar to a 401k or 403(b) in that employees will con tribute to the fund throughout their career. While the terms of those contributions differ, the concept is quite similar. The differences become significant however when turning the focus from contributions to distributions. A pension is a

“defined benefit” plan, which means that the annual distri bution made to an employee is locked in for the full term of their retirement. This is a very attractive option because it eliminates any risk of market volatility. This is what has made this plan less common over the years, as companies

struggle to absorb the cost of maintaining the plan during times of poor market perfor mance. IRA: IRA stands for “individ ual retirement account”. This investment vehicle is a long term savings account origi nally created to help self-em ployed individuals originally

“...this type of account is open to any individual that earns an annual wage.”

created to help self-employed individuals save for their retirement, as they do not have access to an employer-spon sored 401k. However, this type of account is open to any individual that earns an annual wage. The main differences between an IRA and a 401k are that there are no match ing contributions from the employer, and that individuals CONTINUES ON PAGE 22

Management of Residential, Commercial, Industrial


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WEALTH... from page 21.

ments of retirement. Unlike retirement planning, which focus es on wealth accumulation, estate planning focuses on the care and disbursement of your wealth beyond retirement. The first step in evaluating your estate is to take inventory

will be responsible for managing their investments choices. 401k plans typically provide a lengthy menu of investment options for employees to choose from, along with resources to navigate the pros and cons of each. Under an IRA, the individual will be responsible for navigating these choices independently. STEP 2: Creating the Footprint of your Estate’s Execution One can look into estate planning. When people think of estate planning, one of the first things that tends to come to mind is a will. While formalizing your will is an important step of estate planning, it is just one step of a much bigger process that needs to be carried out to ensure the successful execution of your estate handling. In the section above, we discussed some of the common savings plans available to employees and self-employed individuals to aid them in preparing for the financial require

of your assets. Investment accounts, such as those dis cussed above, are the eas iest to identify and quantify, but it can go well beyond that. Ownership of other assets such as a primary residence, vacation home, rental property, automobile, boat, jewelry, memorabil

“Once you have compiled a list of your assets and their related is time to construct a plan for disbursing those assets.“

ia, or any other asset of significant value must be consid ered when compiling your estate. The value of all your assets, not just your retirement savings account, must be considered. Once you have compiled a list of your assets and their related values (net of any mortgages or loans), it is time to construct a plan for disbursing those assets. This will require CONTINUES ON PAGE 56

Please help CAI-NJ F.A.S.T. by supplying the basic tools for the hard working teachers this school year! Donations will benefit a local school district. Items will be collected at the CAI-NJ Beach Party on Thursday, September 14 th or you can drop them off at the CAI-NJ office by the date of the event!

Please visit to shop our F.A.S.T. Teacher Wishlist on Amazon! Avoid lugging the items to the event. Mail supplies directly to the CAI-NJ office at 500 Harding Road, Freehold, NJ 07728! We also accept credit card/check donations. Contact for any questions.

Thank you in advance for your support!!



Serving Community Associations for Over 35 Years

Community Associations Attorneys:

A. Christopher Florio, Esq.

Mary W. Barrett, Esq.

Melissa A. Volet, Esq.

Edward Berman, Esq.

Transition & Construction Litigation Attorneys:

Andrew J. Podolski, Esq.

J. Randy Sawyer, Esq.

John S. Prisco, Esq.

We understand your association is comprised of individual unit owners seeking to protect the value of their homes. For that reason, we offer fee structures for your community including hourly, retainer, or hybrid arrangements. In appropriate cases, we offer representation on a full or partial contingent fee basis. Our complement of services includes the following:

• Collect Delinquent Assessments • Draft and Negotiate Service Contracts • Municipal Services Act Reimbursement • Fair Housing Compliance

• Create and Enforce Community Rules and Policies • Tax Appeals • Guidance on Board Governance • Developer/Sponsor Transition • Construction Defect Litigation Rent Receivership

• Pursuit of Creditor Claims in Bankruptcy • Foreclosure of Assessment Liens • Land Use and Zoning Representation • Insurance Coverage Claims • 1-800-53-LEGAL • 100 American Metro Blvd., Hamilton, NJ 08619

* Results may vary depending on your particular facts and legal circumstances. Because every case is different, the descriptions of awards and cases previously handled are not meant to be a guarantee of success.



SNOWBIRD SAFETY: Modern Solutions for Senior Citizens

By Nicole Martone, CMCA, AMS, PCAM, Associa Community Management Corp. of New Jersey, AAMC

L eaving your home for any extended period of time can be worrying for anyone from a college student who left a cactus to die over winter break (yes, that was me), to the senior citizen “snowbird” that spends their winters in warmer climates. We’re very fortunate to live in times where protecting your assets can be as easy as pressing a couple of buttons on a smartphone. For senior citizens residing in common interest communities (CICs), ensuring the safety and security of their homes becomes a top priority. Fortunately, technology has introduced numerous solutions that empower senior citizens to protect their homes conveniently and effectively. In this article, we will explore the importance of home protection for senior citizens and highlight modern technological advancements that cater specifically to their needs, providing peace of mind even when they are away from home.

Remote Home Monitoring Systems: Keeping a Watchful Eye

Senior citizens in common interest communities (CICs) often face the challenge of leaving their homes unattended for extended periods. However, remote home monitoring systems offer a practical solution. These systems allow seniors to keep a watchful eye on their homes from any where in the world, using their smartphones or tablets. By integrating security cameras, motion sensors, and smart locks, seniors can receive real-time updates and alerts regarding any suspicious activities. This ensures that they remain informed about their home’s security and can take immediate action if necessary. Remote home monitoring systems offer a sense of control and reassurance, enabling senior citizens to enjoy their time away without worrying about the safety of their homes.

AndreyPopov/iStock/Getty Images Plus



Smart Home Automation: Enhancing Convenience and Security Smart home automation has revo lutionized the way we manage our living spaces, and it holds particular benefits for senior citizens. By integrat ing various smart devices and systems into a home, seniors can automate routine tasks and enhance the security of their homes. For example, smart lighting systems can be programmed to turn on and off at specific times, giving the impression that someone is home.Smart thermostats can adjust temperature settings remotely, ensuring optimal comfort and energy efficien cy. Additionally, smart door locks offer keyless entry options, eliminating the need for physical keys and providing enhanced security. These automated systems not only make daily life more convenient for seniors but also create an impression of an occupied home, Safety concerns become more press ing as seniors age, and personal emer gency response systems (PERS) are specifically designed to address these concerns. PERS devices, often worn as a pendant or wristband, allow seniors to call for help in case of emergencies or medical incidents. With a simple press of a button, a signal is sent to a monitoring center where trained pro fessionals can assess the situation and dispatch assistance if needed. Some PERS devices are equipped with fall detection technology, automatically CONTINUES ON PAGE 26 deterring potential intruders. Personal Emergency Response Systems: Immediate Assistance at Hand

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SNOWBIRD... from page 25.

alerting the monitoring center if a fall occurs. These systems provide a sense of security and independence for senior citizens, assuring them that help is readily available at any time, even when they are alone at home. Neighborhood Watch Apps: Collaborative Security Efforts In common interest communities (CICs), fostering a sense of community and collaboration is vital for overall security. Neighborhood watch apps have emerged as valuable tools for cre ating stronger bonds among neighbors and enhancing security efforts. These apps allow residents to communicate and share information about suspicious activities, lost items, or any other relevant concerns. By staying connected through these platforms, senior citizens can be part of a community network that looks out for one another. Additionally, these apps enable quick reporting to local authorities, ensuring a swift response to any potential threats. Neighborhood watch apps foster a safer environment for senior citizens, as they benefit from collective vigilance and support from their neighbors. In closing, protecting one’s home is a universal concern, but it becomes even more crucial for senior citizens residing in common interest communi ties (CICs). Fortunately, advancements in technology have provided mod ern-day solutions that cater specifically to their needs. From remote home monitoring systems and smart home automation to personal emergency response systems and neighborhood

At Felsen Insurance Services, one size DOESN’T fit all. Using our experience and expertise we work with your property manager and board to design an insurance program based upon your community needs.

We canvas the marketplace to find the insurance company that fits YOU best .

Felsen Insurance Services, Inc. 3155 Route 10 Suite 103 Denville, NJ 07834

(973) 361-1901

CAI-NJ advises that for training, marketing or other purposes, all events may be recorded, videotaped and/or photographed. By attending a CAI-NJ event, the registrant(s) consents to the use of his/her image

by CAI-NJ and agrees to waive any claim for the use of his/her image, including without limitation, the appropriation of his/her image for commercial purposes or the invasion of his or her privacy.




100% of Proceeds Donated to

Thursday, September 28

Registration Opens at 11:30 AM Games Start at 12:15 PM

Mercer County Park East Picnic Area 1346 Edinburg Road, Princeton Junction Games • Food/Beverages T eam Building • Networking

PLEASE NOTE: One company/association can register up to six (6) people to be on the same team. However, teams will be made by CAI-NJ and consist of up to 12 people, from mixed companies/associations. Registration Form - Deadline to Register a Team 9/15/23

Payment Methods: 1.) Pay by check, payable to CAI-NJ. Mail completed form and payment to:

Name 1: ___________________________________________ Company: _________________________________________ Phone: _______________________ T-Shirt Size: _________ Email:______________________________________________ _____ Player/s ($35 ea.) or ____Spectator/s ($35 ea.) TEAM INFORMATION (please include name, email & preferred t-shirt size) 2. __________________________________________________ 3. __________________________________________________ 4.__________________________________________________ 5. __________________________________________________ 6. __________________________________________________ TOTAL: $ ________

CAI-NJ, Attn: Kickball 500 Harding Road, Freehold, NJ 07728

2.) Pay by credit card. Please call Brooke Stoppiello-Nevins at the CAI-NJ Office at 609-588-0030 to process payment.

By registering for a CAI-NJ event, the registrant acknowledges that they are re sponsible to pay the full registration fee at the time of registration. Registrations will not be processed until all previous outstanding balances are paid in full. Cancellations must be made by September 15, 2023 for a refund to be provided, swaps can be made at any time.


Sponsorship Opportunities Available! Visit or contact for details.

PLEASE NOTE: By registering for this CAI-NJ event, you are agreeing to our COVID Release Waiver.

CAI-NJ advises that for training, marketing or other purposes, this event may be recorded, videotaped and/or photographed. By attending this event, the registrant(s) consents to the use of his/her image by CAI-NJ and agrees to waive any claim for the use of his/her image, including without limitation, the appropriation of his/her image for commercial purposes or the invasion of his or her privacy.



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