Banks and credit unions balance technology and in

March 2016 • Issue 3 / Volume 8
About Membership…
To learn more about Membership at the Morris County Chamber of Commerce, please contact Angela Kubisky at 973-210-6079, or [email protected] or visit www.morrischamber.org.
Banks and credit unions balance technology and in-person service
By Michael Daigle
For XCEL Federal Credit Union, the 21st century form of banking was thrust upon them
by the attack on the World Trade Center, where its headquarters was located.
“As tragic as that day was, on Sept. 2 our members still needed access to their
accounts,” said XCEL director of marketing Thomas Quigley. “So our members taught
themselves about remote access.”
The result: Before Sept. 11, 14 percent of XCEL transactions were done remotely.
Today, the figure is about 96 percent, Quigley said.
XCEL’s tagline is “United Service and Technology.” While the credit union has claimed
that tag, it describes the trend in the banking and credit union industry.
New technologies, younger customers and the need to keep up with social and life
changes have created the need for financial institutions to change their delivery models,
including the creation of smart phone apps that give a consumer direct access to services,
industry insiders said.
At the same time, maintaining physical branches remains an important part of their
business model, they add.
Millennials are “more
into speed, security (and)
convenience and not so
much into building
personal relationships,”
Quigley said. “They
bank at 1 a.m.
or when they
get up in the
morning.”
But that does
not always last,
said Dittrich
of Provident
Bank, which is
why local bank
branches are still
important service
centers.
As the move to mobile
banking accelerates, banks
and credit unions are balancing
face-to-face experiences with
online service.
“A face-to-face visit allows our bankers to provide the personal service needed when a
customer wants advice or a recommendation on the best product or service to meet their
needs,” said Ronald Schwarz, senior executive vice president and chief revenue officer for
“They open an account at
Lakeland Bank.
18 but at 28 they need different things -- that first car, a first house,” he said. “Different life
Michael Powers, vice president of lending, marketing and business development for
decisions and we need to be there to help.”
Garden Savings Federal Credit Union, said, “Account openings and loans in particular are
Schwarz of Lakeland said a fundamental change is that branch bankers offer services
still services that some people prefer to handle in person.” Often, those customers have
that are “more consultative than transactional.”
specific questions about the transactions, he added.
(Continued on page 5)
But the switch to technology is on.
Schwarz said Lakeland sees an annual shift to electronic banking of 10 to 15 percent.
Greg Dittrich, regional manager for Provident Bank, said roughly 50 percent of the
bank’s transactions are electronic and Powers of Garden Savings said, “a large majority of
our total transactions types are handed electronically, including deposits.”
Businesses learn how to make more sales
By Christopher Reardon
Dietrich added, “It’s about convenience and choices.”
A group of business owners and professionals recently learned how to double their sales
with no additional effort and increase their bottom line by 10 percent. All over breakfast.
The range of services offered by these institutions covers personal and business
accounts, free checking, mortgages, business services account such as cash flow
management and high level services such as wealth management.
The group was attending the Good Morning, Morris networking breakfast of the Morris
County Chamber of Commerce, which featured Carl Gould as the guest speaker. Gould is
president of 7 Stage Advisors, a business growth advisory firm.
The personal services that are transactional – deposits or loan payments, for example
– “are more easily handled online for those individuals who are comfortable with the
technology,” Powers said.
“In sales, it’s the last little bit of energy that gets the sale,” said. “You don’t get any
points for just showing up.
This is attractive to younger customers, the experts said.
“In most cases in business if you come in second, that’s fine. But the one place in
business you cannot come in second is in sales. In sales, there’s first place and no place.”
Gould told the audience if they get most of their business from referrals, they are friends
selling to friends. To reach their full sales potential they must become strangers selling to
strangers.
“The challenge of friends selling to friends is it will never stop,” he said. “You will
always have to keep coming back. You have to become strangers selling to strangers or
you’ll never get out of the loop.”
(Continued on page 3)
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Businesses learn how to make more sales
To do this, businesses must “think
obnoxious,” Gould said.
They must make an obnoxious offer –
price their products or services in away no
one else does and make a promise no one
else makes.
“Make an offer in your niche market no
one else has the guts to make,” Gould said.
He encouraged the audience to identify
the number one problem their customers
face and promise they won’t have to deal
with it anymore.
“You can’t just make the standard offer,”
he said. “It has to be obnoxious.”
Gould advised them to double their price,
then double it again and to promise and
deliver extra value.
“If you create enough value for the
customer, price sensitivity goes away,” he
said.
Gould then provided the nine steps
for doubling sales and increasing the
bottom line by 10 percent: (1) Planning;
(2) Marketing; (3) Lead Generation; (4)
Conversation/Offers; (5) Qualifying; (6)
Transition; (7) Paperwork; (8) Approval;
and (9) Closing.
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(Continued from page 1)
He then told them to improve their
performance in each of these steps by 10
percent – for example, qualify 11 potential
customers instead of 10 and make 11 offers
instead of 10.
Spend more time on your business,
less on your banking.
“Do each of the steps a little bit better and
you will double your sales,” he said.
By thinking obnoxiously and improving
each step of the selling process by 10
percent, businesses will reach their full
potential, Gould said.
“You’re doing so much right. You’re just
missing the last little bit,” he said.
Gould, who recently released a book
called Biz Development Done Right, which
he co-authored with Caryn Kopp of Kopp
Consulting, also partners with the chamber
to teach a 12-session business acceleration
program called HyperGrowth. The 2016
HyperGrowth program will begin June 2.
Gould and the chamber are offering
three free previews of the program,
March 29, April 7 and May 10, from
2:30 to 4:30 p.m. in Gould’s office in
Butler. To register by email contact him
at [email protected]. To
register by phone call 973.248.6958.
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Attending Good Morning, Morris! of the Morris County Chamber of Commerce
were (left to right) Angela Kubisky, executive vice president of the chamber; Robert
Lipka, Beth Rodgers and James Bryant of County College of Morris, an event
sponsor; and Paul Boudreau, president of the chamber.
Photo: Kramer Images
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Banks and credit unions balance
technology and in-person service
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branches. An older branch could have
been 3,500 square feet while new ones that
include ATMs can be 1,500 square feet, he
said.
It is all about how to balance customer
needs and the delivery of services.
The need to close or shift a branch
depends on market factors, as well, the
experts said.
In 2015 in New Jersey, 50 bank branches
were closed and 65 were opened, according
to the state Department of Banking and
Insurance.
Quigley of XCEL said site selection can
be a matter of how many members live
within two miles, highway location, the mix
of uses in the neighborhood and the age of
the population.
Powers said Garden State branches have
been in place for years and are “designed to
be conducive to the majority of our 25,000plus members in the communities and
organizations we serve.”
Co
li v e s
Dittrich of Provident said a change
affecting branches and branch locations
is the size of new branches or relocated
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Powers said a Maplewood branch near
Seton Hall University is important as the
college is now a member of the credit
union.
Quigley said all parts of the banking
business are consolidating.
“It’s a combination of merger and
members taking advantage of remote
services,” he said. Cell phones are more
powerful than the computers on the Apollo
space ship, he said, and “people are harried,
running around with their kids. They need
to make things easier.”
Attending the February networking event sponsored by the Young Professionals
Committee of the Morris County Chamber of Commerce were (left to right) Vincent
Cirianni of The Preferred Client Group; Joanna M. Fellon of Friedman LLP, an
event sponsor; Christine Cox West of International Planning Alliance LLC; Mairead
Togneri of Garden Savings Federal Credit Union, an event sponsor; and David
Bruno of The Bianchi Law Group.
Powers added, “The challenge for the
financial industry on the whole becomes
how to manage and best utilize the right
resources so that the proper combination
of technology and live employees satisfies,
as best as possible, everyone from baby
boomers to millennials.”
Photo: Distinctive Media
Colon cancer is detectable,
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(Continued from page 1)
For individuals, that means detailing
mortgages and lines of credit and for
businesses, cash flow and capital spending
needs, he said.
“The goal is to optimize the various
delivery channels that our customer want to
use,” Schwarz said.
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The Cutting Edge ...
Economic development means jobs
The Morris County Chamber of Commerce is fortunate to have a strong
partnership with the Morris County Board of Freeholders and many leading
private sector companies in our region to promote economic development.
The Morris County Economic Development Corporation (MCEDC), a
division of the chamber, serves as the economic development arm of the
county and works to retain the jobs we have and attract new investment and jobs to our area.
Economic development is a competitive game, with municipalities, counties and states all
competing against each other for capital investment. As we know, New Jersey does not score
well on many business climate studies comparing costs from state to state. We will never be
a low-cost state but we have so many positive attributes that are important for investors and
employers.
First is our talented work force. Companies know they can find the people they need here
to operate their businesses. The New York, New Jersey and Pennsylvania region represents
the crossroads of business on the East Coast and our proximity to Wall Street is a plus for
many larger multinational companies. Our ports and airports provide opportunities for all
businesses to grow around the world. The Christie administration also has worked hard to
reduce business taxes and reach out to the business community.
Here in Morris County we have some of the best K-12 schools, open space and responsible
county and municipal governments looking to support business growth.
So as one business leader said in a recent meeting I attended, “Let’s stop apologizing for
ourselves and get more aggressive about promoting all the good things we can offer investors.”
We recently met with the Freeholder Budget Committee to discuss what some of our options
might be in this regard. Some of our biggest developers have told us we should be spending
more time promoting our region at major industry trade shows, such as BIO-NJ, and other
industry gatherings. We know that over time the costs of doing business in New York City
will drive some companies to look westward. Is there a way for us to promote Morris County
as a hub for technology companies as well as pharmaceuticals, for instance?
An important factor for success is our relationships with local officials. In many cases they
provide the necessary permits for companies to renovate buildings and secure approvals. We
recently worked with a billion dollar company moving to Parsippany that had a very tight
move-in schedule and the mayor and his team did a great job in turning around the necessary
permits.
We also know that our competitor communities around the country spend money on digital
marketing programs and professional videos. We’re looking at these and other options to
improve our online profile to give people globally a better sense of the advantages they can
enjoy by investing in Morris County.
On Friday, March 4, we will host our Annual MCEDC Awards Luncheon with Bob
Ackerman, vice president and US country head real estate and facility services at Novartis, as
our keynote luncheon speaker. Bob played a leadership role in the expansion of the company’s
East Hanover site over the last decade, anchoring more than 5,000 jobs in Morris County.
A pre-luncheon panel comprising leading developers and major property-owners in Morris
County will begin at 10:30 a.m. and will focus on several significant economic development
projects currently underway in Morris County.
Please attend and learn about many significant investments being made in Morris County.
Paul Boudreau President Morris County Chamber of Commerce
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Inside Edge...
DaVinciTrek has announced that Denise Cappuccio has joined the company as
director, client services. Her primary role will be to support preferred clients.
Cappuccio was previously with Avaya as digital marketing campaign senior manager.
She is a graduate of Kean University with a bachelor of arts degree in education.
..........................................................
Sherman Wells Sylvester & Stamelman LLP has announced the election of three
new partners, Joshua S. Bratspies, Tracy McSweeney Child and Craig L. Steinfeld,
all of whom have been counsel with the firm since its inception in July 2014. The firm
also announced the addition of Allison S. Clayton as counsel.
Bratspies is a graduate of Seton Hall University School of Law with a J.D. and the
University of Maryland with a bachelor’s degree. McSweeney Child is a graduate of
New York Law School with a master of laws degree in taxation, Seton Hall University
School of Law with a J.D. and Boston College with a bachelor’s degree. Steinfeld
is a graduate of Rutgers University School of Law with a J.D. and the University
of Delaware with a bachelor’s degree. Clayton is a graduate of William and Mary
Law School with a J.D. and the University of Wisconsin–Madison with a bachelor’s
degree.
..........................................................
Atlantic Stewardship Bank has announced the appointment of
two new employees. Sandy Mallon has been named senior vice
president/residential and consumer lending manager of their
Consumer Lending Department. Mallon was most recently a senior
vice president/residential and consumer lending
officer with Grand Bank. He is a graduate of Syracuse
University with a bachelor’s degree in economics.
James Shields has been named senior vice
president/chief credit officer of the bank’s Credit Risk
Department. Shields most recently was commercial
credit manager for the Northern Bergen/Rockland
Region for TD Bank. He earned a bachelor’s degree
in finance/economics from Hope College and an
master’s degree in economics from Seton Hall
University.
Mallon
(above)
Shields
(left)
..........................................................
Valley National Bank has announced four promotions. Ira Robbins has been named
senior executive vice president and treasurer. He earned a bachelor’s degree in finance
and economics from Susquehanna University and a master’s degree in finance from
Pace University. He is also a graduate of the Stonier Graduate School of Banking and
is a CPA. Executive vice president Andrea T. Onorato has assumed the title of chief
administrative officer. She earned her bachelor’s degree in business administration
from William Paterson University and is a graduate of the Stonier Graduate School of
Banking.
Dianne M. Grenz, executive vice president and director of sales, shareholder
relations and public relations, has assumed the titles of director of retail operations
Publisher: Paul Boudreau
Editor: Chris Reardon
Director of Advertising: Joanne Vero
Director of Graphics: John Tirpak
325 Columbia Turnpike, Florham Park, NJ 07932
Telephone: (732) 303-9377 Fax: (973) 377-0859
www.morrischamber.org
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In the Trenches
Wealth managers keep clients
calm during stormy market
By Rod Hirsch
Robbins
Onorato
Grenz
Zieminski
and director of marketing, as well. She graduated from Centenary College with
a degree in marketing and management and received her executive master’s of
business administration in marketing and management from the Rutgers Business
School.
Dianne Zieminski has been promoted to first vice president, district sales manager
for Valley National’s Brooklyn and Queens markets.
Valley National also announced that bank staff members are conducting ongoing
financial literacy programs that focus on a number of financial topics, including
building a better credit report, creating a household budget and fraud awareness, to
individuals receiving temporary shelter at the Bergen County Housing, Health and
Human Services Center in Hackensack.
..........................................................
Berkeley College has announced that Heather C. Briccetti,
Esq., has been elected to the Berkeley College Board of
Trustees. Briccetti is president and chief executive officer
of The Business Council of New York State, Inc., the
primary statewide association advocating for New York’s
business community.
The college also announced that Diane Recinos, senior
vice president, enrollment management, has been named
one of New Jersey’s 2016 Best 50 Women in Business
by NJBIZ. The award recognizes women who have made
outstanding contributions to New Jersey in their industries
and in their communities.
Though concerned by the continuing
downward shift of the stock market,
wealth managers and financial advisors
in Morris County say their clients are
insulated because their short- and longterm plans are designed to withstand
sharp drops in the market.
“Don’t get caught up in emotion,” said
Jim McCarthy of Directional Wealth
Management in Rockaway.
“The thing I’m telling my clients is to
have a plan, a roadmap, and part of that
roadmap is how we deal with bumps in
the road,” he added. “Those bumps are
going to come but because we’ve built
that into the plan, we’ve accounted for
that.
“The types of assets they own
minimize the impact. I keep reminding
clients we have a plan. Let’s stick with
the plan.”
In business 13 years as a certified
financial planner and a New Jersey
Monthly Five Star Wealth Manager two
years in a row, McCarthy underlines the
need to understand an investor’s horizon.
Briccetti
In addition, for the third consecutive year, Berkeley has
been recognized by U.S. News & World Report among
the top 100 Best Colleges for Online Bachelor’s Degree
Programs.
..........................................................
Recinos
Friedman LLP has announced the promotion of five
employees to partner. John M. Bono was promoted to partner in the Tax Services
department. He is a graduate of St. John’s University with a bachelor’s degree
in economics and is a CPA. Brian Kristiansen was promoted to partner in the
Tax Services department. He is a graduate of Lousinana State University with a
bachelor’s degree in management information systems and Baruch College with a
master’s degree in accountancy and is a CPA.
Susan Miano was promoted to partner in the Forensic Accounting, Litigation
Support and Valuation Services Group. She is a graduate of St. Francis College
with a bachelor’s degree in accounting and is a CPA. Scott Stavin was promoted to
partner in the Tax Services department. He is a graduate of Binghamton University
with a bachelor’s degree in accounting and Fairleigh Dickinson University with a
master’s degree in taxation and a graduate certificate in corporate taxation. Geoffrey
Wilson was promoted to partner in the Tax Services department. He is a graduate
of the University of Pittsburgh with a bachelor’s degree in accounting and Baruch
College with a master’s degree in taxation.
“If you’re talking about a long-term
horizon of 10-plus years (the current
market downturn) shouldn’t be a major
concern,” he said. “A shorter-term
horizon presents some concern.
“It also depends on where you are in
the life-cycle. If you’re getting ready to
retire, this is pretty scary. If you’re 30 or
40 years old, contributing to a 401(k) or
SEP account, this is a great time. You’re
getting to invest money at discounted
rates.”
Kim Luthy of Allied Wealth Partners
in Parsippany has been making calls
to hundreds of clients to provide
reassurances but she is finding most of
them are not worried.
“I am proactively reaching out and the
response I get most is, ‘Thanks for the
call. It’s been on my mind but I know
we’re good,’” she said. “The crux of
what I do is not only building wealth but
helping them protect it.
“This is not something out of the
ordinary,” she added. “Every six-seven
7
“Every six-seven years
we see a pull back, a
correction…if our goals
remain what they were
when we first sat down,
we will only have to
make minor changes.”
years we see a pull back, a correction.
Historically, this has happened before and
if our goals remain what they were when
we first sat down, we will only have to
make minor changes.”
Luthy said her clients understand they
need to look at the bigger picture.
“I just had a client in here today to go
over their portfolio and compared to the
markets, our portfolio is not down as
much because we immunize them from
the peaks and valleys in the market,” she
said.
David Greenberg of Integrated
Planning Concepts in Livingston shares
Luthy’s broader view of the market.
“To me, the story has never changed,”
he said. “It’s always the same, always has
been. This has happened many times in
the past and will in the future. It’s part of
the normal flow of the market.
“So if you’re the type of person
investing money in the market and there
is risk of any kind, ideally it needs to be
understood that the investment is for the
longer-term purposes. When you have a
longer-term view of the money, the shortterm volatility is not as much a concern.
“The message I give to clients is, ‘Be
balanced and don’t have all your eggs
in one basket,” he added. “The kind of
planning I do has clients place their assets
in guaranteed securities and insurancebased programs so they are insulated
from market risk.”
As a result, Greenberg said he is not
getting a lot of calls because clients do
not have to deal with volatility or because
they expect volatility for the portion of
their portfolio earmarked for the market.
“They’re not scared or nervous,” he
said. “They understand ups and downs
are part of the overall plan.”
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Accounting and Consulting
Friedman LLP 100 Eagle Rock Ave., East Hanover, NJ 07936
Phone: Sari Gluckman, 973-929-3500
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Giordano Cohen Fastiggi Luciano, Sweeny and Company, PA
147 Columbia Turnpike, Suite 100 Florham Park, NJ 07932
Phone: Fred Bachmann CPA, 973-377-2009
Fax: 973-377-5335
Focused, personal attention to meeting the tax and accounting needs of
small businesses and their owners.
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Ross, Rosenthal & Company, LLP
87 Washington Street, Morristown, NJ 07960
Phone: Joseph C. Graff, 973-538-7071
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WithumSmith+Brown, PC 465 South Street, Suite 200, Morristown, NJ 07960
Phone: Kirk Holderbaum, 973-898-9494
Fax: 973-898-0686 www.withum.com
WithumSmith+Brown, PC serves some of the best companies across the
Mid-Atlantic region and worldwide for 40 years, offering a variety of services and
specialized support to more than 12 major industry sectors.
Architects/Engineers
H2M Architects + Engineers
119 Cherry Hill Road, Suite 200, Parsippany, NJ 07054
Phone: Sui Y. Leong, 862-207-5900
Fax: 973-334-0507 www.h2m.com
H2M provides architectural, engineering and environmental
testing laboratory services for both the private and public sectors
in New Jersey, Long Island and the Tri-State Areas.
Attorneys
Resnick Law Group, P.C.
5 Becker Farm Road, 4th Floor, Roseland, NJ 07068
Phone: Gerald Jay Resnick, 973-781-1204
Fax: 973-781-1205
www.thenjemploymentlawfirm.com
Employment law firm serving NJ and NY employees in workplace
disputes against their employers, including matters involving wrongful termination,
harassment, discrimination, retaliation, wage and hour, employment contracts,
non-compete agreements, and more.
Riker Danzig Scherer Hyland & Perretti LLP
One Speedwell Avenue
P.O. Box 1981, Morristown, New Jersey 07962
Phone: Glenn A. Clark, 973-538-0800
www.riker.com
Strong practices in litigation, insurance law, corporate law,
bankruptcy, employment law, public utilities, environmental
law, real estate, tax and trusts & estates and governmental affairs.
Schenck, Price, Smith & King, LLP
220 Park Avenue, PO Box 991, Florham Park, NJ 07932
Phone: Edward W. Ahart, 973-539-1000
Fax: 973-540-7300 www.spsk.com
Schenck, Price, Smith & King, LLP is a full-service law firm
located in northern New Jersey, whose attorneys serve businesses and individual
clients throughout the state and region.
Banks/Credit Unions
Atlantic Stewardship Bank (See our ad on page 4)
2 Changebridge Road, Montville, NJ 07045
Phone: John M. Willis, 201-493-6421 or
Harry Yazidjian, 201-493-2941
Fax: 973-541-4806 www.asbnow.com
Atlantic Stewardship Bank is a full service
commercial bank offering a comprehensive line of products and services
for individuals and businesses of all sizes located in northern New Jersey.
Commercial services include business online banking, cash management,
remote deposit capture and a variety of commercial lending options.
Fulton Bank of New Jersey (See our ad on page 2)
425 Main Street, Chester, NJ 07930
Phone: Tammy Case, 908-955-8065
Fax: 908 879-5533 www.fultonbanknj.com
Based in Mount Laurel, NJ, we are a full-service
commercial bank with assets of more than $3.6 billion, operating 65 branches
and 66 ATMs. We are proud to serve the people, businesses and communities
that span the northwest, central and southern New Jersey marketplace.
Garden Savings Federal Credit Union (See our ad on page 11)
129 Littleton Road, Parsippany NJ 07054 Phone: Michael Powers, Chief Sales Officer
973-576-2000 Fax: 973-316-0317
www.GardenSavings.org
Garden Savings is a full-service financial institution headquartered in
Parsippany, NJ. Enhance your employee benefits by providing credit union
services from Garden Savings.
Lakeland Bank (See our ad on page 3) 151 South Street, Morristown, NJ 07960
Phone: Kimberly Ryan, 973-889-1000
Fax: 973-889-1018 www.LakelandBank.com
Offering products and services to simplify banking in Bergen, Essex, Middlesex,
Morris, Passaic, Somerset, Sussex, Union and Warren counties and the Hudson
Valley region of N.Y.
Sussex Bank 100 Enterprise Drive, Suite 700, Rockaway, NJ 07866 Phone: 844-CLOSE-2-U: (844-256-7328)
Fax: 973-989-4192
www.sussexbank.com
Established in 1975 by several local businessmen,
Sussex Bank serves a wide range of commercial and residential
customers across the Northern New Jersey & NY Metro Market. Our
mission is to be the premier Business Bank in the communities we serve!
XCEL Federal Credit Union (See our ad on the back cover)
1460 Broad Street, Bloomfield, NJ 07003
Phone: Tom Quigley, 800-284-8663 x3041
Fax: 201-714-5741 www.XCELfcu.org
XCEL Federal Credit Union was founded in 1964 by the
employees of the NY/NJ Port Authority. Today, ANY local
company can join—and it’s FREE. Call today 201-499-1656.
Business Process Outsourcing
Solix, Inc. 30 Lanidex Plaza West
P.O. Box 685, Parsippany, NJ 07054
Phone: 800-200-0818
[email protected]
www.solixinc.com
Smart, cost-effective and compliant outsourcing solutions including eligibility
determination, qualification program management and customer care services
for government, telecommunications, broadband, utility and healthcare
organizations..
Computer and IT Services
Computer Sharp (See our ad on page 10)
95 West Main Street, Suite 5-117
Chester, NJ 07930
Phone: Ryan McCloskey, 908-333-4948
www.computersharp.com
Computer Sharp provides IT, Web, Social
Media and Audio-Video services throughout New Jersey. Receive a free 30
minute consultation to review your company’s IT infrastructure today!
OWASP Foundation 759 Bloomfield Ave., Suite 172
West Caldwell, NJ 07006
Phone: Tom Brennan, 973-506-9304
Email: [email protected] www.owasp.org
FREE software security best practices and guidance for your business. Career
development, hands on training and assistance.
Health and Wellness
Barnabas Health Medical Group (See our ad on page 5)
248 Columbia Turnpike
Florham Park, NJ 07932
Phone: 973 514- 1767
www.barnabashealthmedicalgroup.org
We embrace the physician to patient relationship .We pride ourselves in our
ability to communicate with our patients to convey the personal care they desire.
Executive Health Program (EHP)
at Atlantic Health System
111 Madison Avenue, Suite 400
Morristown, NJ 07960
Phone: Katherine M. Ungar, 973-971-6848
www.atlantichealth.org/executivehealth
At EHP, clients have access to top level specialists,
the most advanced diagnostic tools and the latest in
evidence-based treatment and preventive medicine – all in one day.
Higher Education/University
Berkeley College – Dover Campus 1 West Blackwell Street, Dover NJ 07801
Phone: Maureen DiFonzo, 973-366-6700
Email: [email protected]
www.BerkeleyCollege.edu
Berkeley College is a leader in providing
career-focused education since 1931. Students prepare for careers in Fashion
Merchandising, Marketing, Healthcare, Management, Justice Studies, and Legal
Studies.
Caldwell University (See our ad on page 10)
120 Bloomfield Avenue Caldwell NJ
Phone: Laura Ziegert, 973-618-3381
Fax: 973-618-3640
www.caldwell.edu
Caldwell University is recognized for its exceptional value and quality education.
Choose from nationally accredited programs with online options in Business,
Nursing, Psychology, and Education.
Fairleigh Dickinson University (See our ad on page 4) 285 Madison Ave., M-R10-01, Madison, NJ 07940
Phone: Susan Brooman, 973-443-8905 [email protected]
www.fdu.edu/grad
Advance or change your career with an MBA
or MS in Accounting, Tax or Supply Chain
Management (NEW in Fall’14) from one of the
best B-schools; or earn a degree in one of 60 programs in Clinical Mental
Health Counseling, Industrial/Organizational Psychology, Leadership, Corporate
Communication, Education, Homeland Security, Hospitality (ranked 4th
nationally). In class, online & blended degree and certificate programs.
Scholarships & fellowships available. Attend an Information Session.
The College of Saint Elizabeth 2 Convent Road, Morristown, NJ 07960-6989 Phone: 800-210-7900
Fax: 973-290-4710
www.cse.edu
Established in 1899, the College of Saint Elizabeth
enrolls more than 1,500 full- and part-time students, both men and women,
in more than 18 undergraduate plus graduate and doctoral programs.
Insurance
Gerrity, Baker, Williams Inc. 3 Gold Mine Road, Flanders, NJ 07836
Phone: Glenn K. Tippy, 973-426-1500
Fax: 973-426-9545 www.GBWinsurance.com
At GBW Insurance, we work with businesses
and their owners to help them find the right protection.
Plymouth Rock
1 Madison Avenue, Suite W-105
Morristown, NJ 07960
Phone: John E. Hickey, 973-267-4970
Fax: 973-267-4876 www.prudential.com/us/j.hickey
As a financial professional with 21 years of experience, I am licensed
to offer life, health, long-term care, auto and home insurance....
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Systems Engineering
Real Estate
Moving and Storage
Mack-Cali Realty Corporation
343 Thornall Street, 8th Floor, Edison, NJ 08837
Diane Chayes, 732-590-1000
Fax: 732-205-8237 www.mack-cali.com
Mack-Cali Realty Corporation is among the country’s largest real estate
investment trusts (REITs). Mack-Cali owns and manages premier office
buildings and luxury multi-family communities throughout the Northeast.
The Padded Wagon
281 Route 206 South Branchville, NJ 07826
Phone: Billy Lockwood, 973 335 5055
www.paddedwagon.com
The Padded Wagon Moving is a full service
moving and storage company providing packing,
crating and shipping of residential and commercial goods
locally, interstate and internationally.
Main Street Movers
708 So. 21st St., Irvington, NJ 07111
Phone: Charlie Cacici, 973-732-3700
Fax: 908-504-0231
www.mainstreetmovers.com
Main Street Movers, a woman-owned, family run firm,
provides residential and commercial moving and warehousing services with
excellence on a local, national and international scale.
Office Equipment Provider
Premium Digital Office Solutions LLC
25 Riverside Drive Suite 3
PO Box 838, Pine Brook, NJ 07058
Van Seretis: 973-439-1570
Fax: 973-439-1576
www.premium-digital.com
Premium Digital provides office equipment including multifunctional copiers, printers,
document management and IT solutions. We pride ourselves on our commitment to
customer service which has built trust in our relationships over the years.
Painting and Carpentry
CertaPro Painters of Morristown
45 S. Park Place, #352, Morristown, NJ 07960
Richard Webber: 862 222 4055
Fax: 973 255 1002
www.morristown.certapro.com/
Residential and commercial painting
contractor specializing in both interior and exterior surfaces. CertaPro also
provides carpentry services. Our trademark Certainty Service System guarantees
extraordinary customer experiences.
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RDM Engineering
(See our ad on page 10)
66 Pond Hollow Drive in Oak Ridge, NJ 07438
David J. Rychalsky, 973-874-0251
www.rdm-engineering.com
RDM Engineering is a New Jersey small business
engineering firm, supporting all aspects of the Mortar
& Common Fire Control division of the US Army.
Utility
Safety and Security
New Jersey Natural Gas
P.O. Box 1464
1415 Wyckoff Road, Wall, NJ 07719
Phone: 732-938-1000
www.njng.com
New Jersey Natural Gas serves over half-a-million
customers in Monmouth, Ocean and Morris counties,
meeting customers’ expectations for value and reliability every day.
AlphaComm Wireless
233 Mt. Airy Road, Suite 100, Basking Ridge, N.J. 07920
Alexander Brasowski, 908-368-1600
Fax: 908-368-1600
www.alphacommwireless.com
AlphaComm Wireless offers two-way radio solutions
and services to provide clients with cost effective and
reliable safety and security solutions.
Wellness and Business Consulting
Staffing and Recruiting
Quantum Floats
1 Robertson Drive, Bedminster, NJ 07921
Phone: Ken Kaplan, 973-782-3227
[email protected]
www.quantumfloats.com
Offers float sessions for deep relaxation and workshops that show successful
people how to improve their communication and optimize performance by
streamlining their thinking machinery.
Normann Staffing Services
676 Winters Avenue, Paramus, NJ 07652
Stacie Dembia, 201-261-1576
Fax: 201-261-0685
www.normannstaff.com
Normann Staffing Services offers temporary staffing,
permanent placement, temp to hire and payrolling services.
We specialize in general office, customer service and light
industrial placement.
Wireless Communications
Supermarket and Restaurant (Prepared Foods)
Kam Man Market East Hanover (See our ad on page 10)
200 State Route 10 West, East Hanover, NJ 07936
William Woo, 973-503-1770
Fax: 973-503-1714 www.kammanmarket.com
Kam Man Market offers the widest selection
of pan-Asian foods including live seafood and products
from Japan, Taiwan, Korea, China, Thailand, Malaysia, Indonesia and India.
Communications Service Integrators
45 Perry Street, Chester, NJ 07930
Phone: Sandy Drysdale, 908-879-2525
Fax: 908-879-2322 www.csiradio.com
Communications Service Integrators provides an integration of the most progressive communications technology available in the industry— two-way radio,
wireless network, system design, system consultation, FCC assistance for on-site
facilities communications as well as wide area communications coverage.
NOW OPEN
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Counseling™
101 Madison Ave.
Suite 205
Morristown, NJ 07960
973.946.8200
LIFE DOESN’T
Your time is valuable, so choose MMU.
We’re closer than you think - minutes to Manhattan.
Providing Addiction and Co-occurring Disorder Treatment Services
mmuair.com
Seabrook House Outpatient Offices
SHARE Counseling Services
Traditional Outpatient (OP) • The Intensive Outpatient Program (IOP)
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Proud provider of Phillips 66®
Jet A and 100LL.
©2014 DM AIRPORTS, LTD. All rights reserved.
800.761.7575 • SHARECounseling.org
ww.ad.cc.10.14
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Vision loss affects
over 80,000 people
in New Jersey.
Vision Loss Alliance of
New Jersey offers
Programs for an
Independent Life.
SURE,
INSURE!
Guidance BE
– Trust
– Passion
Formerly NJ Foundation
for the Blind
DFDFDfDDFDd
DF Tax & Accounting
Services
C om p a n y Na m e
A Professional Tax and
Accounting Service Firm
Specializing in Small
Business and Individual
Taxation – Get the Big
Firm Experience at a
Fraction of the Cost
P.O. Box 436
Mt. Tabor, NJ 07878
Phone: 973-615-0273
Parsippany-Montville Area
E-mail: dftaxandaccounting
[email protected]
PositionRegal
TitleBC To Set.gpi_regal bank BC 11/19/15
E-mail
address
10:58
AM Page 43
C om p a n y Na m e
Albert
Salas
Street Address
Street Address
Address 2
City, AND
ST ZIP Code
UNDERGRADUATE, GRADUATE
Phone: 555.555.0125
DOCTORAL PROGRAMS
Fax: 555.555.0145
Laura Ziegert
Position Title
Admissions Counselor
caldwell.edu
Employee Name
973-618-3401
E-mail address
Fax: 973-618-3640
E-mail: [email protected]
30 Columbia Turnpike
Position Title
Florham Park, NJ 07932
www.regalbanknj.com
Employee Name
Position Title
BranchAddress
Manager2
City, ST ZIP Code
Phone: 555.555.0125
Fax: 555.555.0145
Tel 973-210-4115
Fax 973-377-7223
E-mail address
Cell 862-205-1320
[email protected]
C om p a n y Na m e
C om p a n y Na m e
We help make business less taxing.
Street Address
Address 2
City, ST ZIP Code
Phone: 555.555.0125
Fax: 555.555.0145
Employee Name
C om p a n y Na m e
Employee Name
vlanj.org
Street Address
Address 2
City, ST ZIP Code
Phone: 555.555.0125
Fax: 555.555.0145
Street Address
Address
Where Everyone Can MakeCity,
Real
Asian2 Food
ST ZIP Code
Phone: 555.555.0125
Employee Name
Position Title
E-mail address
200 State Route
10 West
Fax: 555.555.0145
East Hanover NJ 07936
E-mail address
Tel: 973-503-1770
Full
Selection
C om p
any
Na m e of Asian Food C om p a n y Na m e
(Japanese, Chinese/Taiwanese, Korean, Thai,
Malaysian, Vietnamese, Philipino, Indian)
Street Address
Address 2
City, ST ZIP Code
Phone: 555.555.0125
Fax: 555.555.0145
Live and Fresh Seafood
Huge Selection for Vegetarian
Employee Name
Position Title
It’s Never Too Late to Talk
About Tax Planning Strategies!
Call today to schedule an appointment
E-mail address
Employee Name
Street Address
Address 2
City, ST ZIP Code
Phone: 555.555.0125
Fax: 555.555.0145
Position Title
E-mail address
Gochujang
C om p a n y Na m e
C om p a n y Na m e
Miso Paste
Asian Teas
800-235-9381
Contact:
Maria C. Plucinsky, CPA
Employee Name
HUNTER GROUP CPA LLC
Certified Public Accountants and Business Advisors
Position Title
17-17 Route 208
Fair Lawn, New Jersey 07410
www.TheHunterGroup.com
Street Address
Address 2
City, ST ZIP Code
Sushi
Phone: 555.555.0125
Fax: 555.555.0145
E-mail address
Fortune Cookies
Ingredients
Employee Name
Position Title
Dried Shiitake Mushroom
Mochi Ice Cream
Tamarind
Street Address
Address 2
City, ST ZIP Code
Paste
Phone: 555.555.0125
Fax: 555.555.0145
E-mail address
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Enhance Your Employee Benefits
Package At Absolutely No Cost!
A Full Menu of
Financial Products
and Services
Including ...
• Over 70,000 Surcharge-Free ATMs
• 5,000 Shared Branch Locations
• First Mortgages
• New/Used Auto Loans
• Checking Accounts
• Money Market Accounts
• Certificates & IRAs
• Visa® Credit Cards
• Home Equity Loans
• Free On-Line Banking/Bill-Pay!
www.gardensavings.org
Call 973-585-3166
for Details on How to Add the Free Benefit of
Credit Union Membership to Your Organization Today
11
Help your
employees’ dreams
come true.
Give them the opportunity to join a credit union.
Higher dividends on savings accounts • Lower interest rates on loans • Very low fees
XCEL is a New Jersey-headquartered credit union that has been competently serving our members since 1964. We offer
outstanding rates on vehicle, home equity and mortgage loans. No minimum balance checking. Attractive rates on money
markets and certificates. See our complete product and rate listings at www.XCELfcu.org. We are members of a network
with 30,000 surcharge-free ATMs and over 5,000 shared branch service centers across the U.S.
For more information about how to offer this free benefit, call today.
Your employees will thank you.
Marianne Pulice, 800.284.8663 x 4010
www.XCELfcu.org
Established in 1964. Originally located in the World Trade Center, now headquartered in Bloomfield, N.J.