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Retirement

Joan O’Brien, clerical staff, Park View ES; Diane Nally, trustee; Janice Cassagne, third-grade teacher, Park View ES; Joe Bianco, trustee; Regina Symansky, Special Education teacher, Kings Park HS; Pam DeFord, trustee; Laura Peterson, third-grade teacher, Fort Salonga ES; Tom Locascio, president, board of education; Judith Letterman, assistant principal, Kings Park HS; Kevin Johnston, English teacher, Kings Park HS; and Timothy Eagen, superintendent, at the Kings Park school board meeting on Tuesday, June 2. Photo by Victoria Espinoza

Kings Park Board of Education celebrated 12 retirees for their cumulative 261 years of service to the district of Kings Park Tuesday night at the school board meeting.

Judith Letterman, assistant principal at Kings Park High School, was one of the many to be leaving the district, as well as Regina Symansky, a special education teacher who has the longest tenure at King Park — a total of 37 years.

“I have been blessed to lead such hard working and devoted employees,” Superintendent Timothy Eagen said in a statement.

The total list of retirees includes Joan O’Brien, Janice Cassagne, Regina Symansky, Laura Peterson, Judith Letterman, Kevin Johnston, James Fernhoff, Bonnie Capaldo, Dianne Kroog, Cyndia Kopp, Esther Mathie, and Wesley Walker.

“On behalf of the Board of Education, I congratulate all of this year’s retirees for their dedication and service to the Kings Park Central School District” said Tom Locascio, president of the board of education. “These individuals have helped shape the lives of thousands of students, faculty and staff, and the collective impact of their time here truly is immeasurable. May the years ahead bring nothing but joy and relaxation.”

The board also recognized 25 science fair winners from William T. Rogers Middle School in grades six through eight.

Kings Park school district received more than $5,000 in donations, which include athletic equipment and teaching aids. Many contracts were renewed or approved for the new school year including one that adds new vendors to the district and another that established an  agreement with the Town of Smithtown for repair and maintenance of roads.

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By Nancy Burner

Retirement can be an exciting new chapter in someone’s life, but it can also be stressful. The change of lifestyle and income source can lead to anxiety for many individuals reaching retirement. There may be a fear that there is not sufficient income to meet monthly needs or sufficient resources to last the remainder of his or her life.

The reality is that people are living longer and require stable income to meet their daily expenses. A person can maximize benefits and income while preserving assets for the next generation provided that the proper planning has been put into place.

One key strategy in planning for retirement income is maximizing your benefit under the Social Security system. Social Security income will play a major role in monthly income for many retired seniors and should not be overlooked or ignored. Knowing the appropriate time to start taking the benefit will impact the amount of income a person will receive.  “Full retirement age” will depend on when the individual was born.

For those born in 1954 or before, the full retirement age is 66 years old. For those born after 1954 but prior to 1960, the full retirement age gradually rises a few months at a time. For example, someone born in 1957 has a full retirement age of 66 years and 6 months. Anyone born in 1960 and later has a full retirement age of 67 years old.

Taking Social Security prior to the “full retirement age” can result in reduction penalties that could potentially cost the individual almost half of what might have been earned if the individual had waited. Once a person reaches “full retirement age,” it may be advantageous to wait a few years longer until 70 years old to begin collecting Social Security. Unfortunately, the only way to determine if waiting until age 70 is beneficial would be to know how long you are going to live.

Social Security Administration determines your benefit based on the average life expectancy. If the person outlives the average life expectancy, then it was a better choice to wait until 70 to begin the benefit. Nevertheless, no one knows how long they will live, but the reality is that people are living longer and it is essential to make sure you have sufficient income to support your daily needs regardless of how long you live.

It may be much easier said than done to wait to take Social Security. In a perfect world, everyone could wait until the perfect age to start taking Social Security in order to maximize their benefit. The reality may be that income is needed sooner than the ideal age. In this circumstance, there are several tactics that can be used in order to get income, but preserve your Social Security income and allow it to grow until you reach 70 years old.

It is essential to understand that a person may be entitled to Social Security benefits based on a spouse, ex-spouse, deceased spouse or deceased ex-spouse’s earning record. Once a person reaches “full retirement age,” but has not reached age 70, it may be advantageous to use a restricted application and apply only to claim a spousal (or ex-spousal) benefit and wait until 70 to collect your own benefit. This would enable you to start getting Social Security income, but preserve your benefit to allow for the possibility of a higher income. It is important to consult a professional in your area regarding different tactics that can be used to maximize your retirement benefits.

Retirement should be the time in your life where you can relax. The stress of not having enough income to meet necessary daily expenses can be avoided with having the proper plan in place to meet your income needs and give you peace of mind.

Nancy Burner, Esq. has practiced elder law and estate planning for 25 years. The opinions of columnists are their own. They do not speak for the paper.

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By Jonathan S. Kuttin

As more baby boomers reach retirement age, they’re realizing the valuable role Social Security will play as a source of lifetime income. Claiming Social Security benefits can be far more complex than you may realize. Here are seven essential things about Social Security to understand as you determine how Social Security will fit into your overall retirement income strategy:

You can start claiming benefits any time between ages 62 and 70: When you’re working and paying Social Security taxes (via your paycheck), you earn credit toward your Social Security retirement benefits. To qualify for these benefits, you need to contribute at least 40 credits to the system, which is typically 10 working years (although it does vary). Alternatively, if you have never worked and you’re married to someone who qualifies, you may earn a spousal benefit. When claiming your own benefit, you can begin receiving Social Security at age 62 or delay receiving Social Security up to your 70th birthday.

Full retirement age is changing: The age to qualify for a “full” retirement benefit from Social Security used to be 65. Now it is up to 66 (for those born between 1943 and 1954). It increases by two months per year for those born between 1955 and 1959. For those born in 1960 or later, full retirement age is currently defined as 67.

The longer you wait, the larger your benefit: The amount of your benefit depends on the age you choose to first begin receiving Social Security. For example, if you collect beginning at 62 and your full retirement age is 66, your benefit will be about 25 percent lower. On the flip side, your benefit will increase by about 8 percent each year you delay taking Social Security after your full retirement age up to your 70th birthday.

Spousal benefits give married couples extra flexibility: If both spouses worked, they each can receive benefits based on their own earnings history. However, a lower earning spouse can choose to base a benefit on the higher earning spouse’s income. A spousal benefit equals 50 percent of the other spouse’s benefit. Note that if you claim a spousal benefit before full retirement age, it will be reduced. The maximum spousal benefit you can collect is by taking the benefit at your full retirement age (based on the benefit your spouse would earn at his or her full retirement age).
You also can choose to collect a spousal benefit initially and delay taking your own benefit, allowing your benefit amount to increase. Then you can claim your benefit when you turn 70.

There may be a long-term advantage if a higher earning spouse delays Social Security: If the higher earning spouse is older (or has more health concerns that could affect longevity), it may make sense to delay taking Social Security as long as possible up to age 70. When the spouse with the higher benefit dies, the surviving spouse will collect the higher benefit that was earned by the deceased spouse. The higher the deceased spouse’s benefit, the larger the monthly check for the surviving spouse.

Claiming benefits early while still working can reduce your benefit: If you begin claiming Social Security before your full retirement age but continue to earn income, your Social Security benefit could be reduced. If your earnings are above a certain level ($15,720 in 2015), your Social Security checks will be reduced by $1 for every $2 you earned in income above that threshold. In the year you reach full retirement age, that threshold amount changes. $1 is deducted for every $3 earned above $41,880 up to the month you reach full retirement age. Once you reach full retirement age, you can earn as much income as you want with no reduction in your Social Security benefits.

Benefits you earn may be subject to tax: According to the Social Security Administration, about one-third of people who receive Social Security have to pay income tax on their benefits. You may want to consult a tax professional to determine what impacts this will have on your overall benefits.
These essential points are just a beginning. There’s much more to consider. Consult with your financial advisor, tax professional, your local Social Security office and/or Social Security’s website, www.ssa.gov, to find out more before you make your final decisions about when to first claim Social Security benefits.

Jonathan S. Kuttin is a  private wealth advisor with Kuttin-Metis Wealth Management, a private advisory practice of Ameriprise Financial Services, Inc. in Melville, NY. He specializes in fee-based financial planning and asset management strategies and has been in practice for 19 years.

Huntington school district staff offer a standing ovation to administrators Carmen Kasper, left, and Carmela Leonardi at a school board meeting on Monday night. The two are retiring at the end of this year. Photo by Rohma Abbas

Two longtime Huntington school district administrators touting a combined tenure of nearly four decades are retiring at the end of this year.

The school board voted to accept the retirements of Huntington High School Principal Carmela Leonardi and Carmen Kasper, the district’s director of foreign language, ESL and bilingual programs, at a meeting on Monday night. The two are opting into an early retirement incentive offered by the district.

Leonardi has been at the district for 24 years and Kasper for 15 years. Both women, who sat next to each other in the auditorium of the Jack Abrams STEM Magnet School on Monday, said while they were sad to go, it was time to move on.

“I loved every minute of it,” Leonardi said. “I really loved every minute of it.”

Leonardi and Kasper earned a standing ovation after Superintendent Jim Polansky announced the news, calling it “bittersweet.”

Kasper said she had been mulling the decision for three years, but kept putting it off. “This year I decided it’s not going to be a ‘next year,'” she said. She also recalled herself shaking as she walked into Polansky’s office to hand him her letter of resignation.

“I said, ‘If I don’t put it here, I’m not going to do it,'” Kasper said.

Before becoming principal of Huntington High School, Leonardi was the educational leader of the Woodhull Early Childhood Center and the principal at Huntington Intermediate School. She has a passion for languages, and is fluent in Italian, Spanish and English, as well as proficient in French. She also studied Latin for six years.

Leonardi led the Huntington Intermediate School to earn the New York Excellence in Education Award, according to her bio on the district’s website. She’s also supported the expansion of honors and AP offerings, which has led to an “increasing number of Huntington students” who have taken AP classes and have done well on AP tests.

During her time at the district, Kasper has secured “significant sums of grant monies” to support the district’s programs and services for ESL and bilingual students, according to her bio on the district’s website. Before coming to Huntington, she taught English, kindergarten, first, second and seventh grades in Peru, served as a bilingual resource specialist at Western Suffolk BOCES, taught Spanish at Eastern Suffolk BOCES and worked as a BOCES regional summer school coordinator.

Kasper has spearheaded after-school and weekend classes to help dual language, English Language Learner and Limited English Proficiency students and their parents. She also coordinated after-school Chinese classes for intermediate-level students “at no cost to the district as a result of her professional relationships in the educational community.”

Leonardi will be leaving the district with a retirement incentive award not to exceed $50,000, while Kasper’s award will not exceed approximately $39,472.

Leonardi and Kasper are not the only ones retiring from the Huntington school district come June 30. The school board voted to approve the retirements of three other instructional staff: guidance counselor Caterina Cain, high school foreign language teacher Carmela Mastragostino and school social worker Vilma Matos, who are all taking advantage of the retirement incentive.

Polansky estimates that a total of 10 staff members will take advantage of two early retirement incentives the district is offering — one for teachers and one for administrators. The deadline to opt into the incentives is today, Tuesday, March 24.

Board approves zone change for Heatherwood housing community

Port Jefferson Station/Terryville Civic Association President Ed Garboski speaks against the housing proposal on Tuesday, as Shawn Nuzzo, Three Village’s civic leader, looks on. Photo by Erika Karp

Despite numerous objections from residents, local civic associations and the community’s own councilwoman, the Town of Brookhaven has paved the way for a 200-unit retirement community at the Heatherwood Golf Club in Terryville.

Councilman Dan Panico (R-Manorville) sponsored the resolution for a zone change from A Residence 5 to Planned Retirement Community for the property, which is located at Arrowhead Lane and Route 347 and falls in both the Comsewogue and Three Village school districts. The town board approved it in a 4-3 vote, with Councilwomen Valerie Cartright (D-Port Jefferson Station) and Connie Kepert (D-Middle Island) and Supervisor Ed Romaine dissenting.

The planning board still must approve the project’s site plan before the project can move forward.

According to the site plan application, about 25 acres of the property would be developed into the 55-and-over community, while about 45 acres would remain open, leaving a nine-hole golf course.

Since the property would be developed at an increased density, owner Doug Partrick in exchange would donate a 40-acre lot he owns in the Manorville Farm Protection Area — in Panico’s district — for open space.

While the zone change public hearing was held on Tuesday, the project had been discussed for months at Port Jefferson Station/Terryville Civic Association meetings, and that group, along with the neighboring Civic Association of the Setaukets and Stony Brook, came out strongly against it.

However, the Town of Brookhaven Planning Department supported the project — Planning Commissioner Tullio Bertoli said the proposal is compatible with existing development in the area and fits in with the town’s smart growth efforts, as it is located along a commercial corridor.

Residents and civic leaders who attended the public hearing expressed concerns about traffic and losing open space in their community. In addition, many were displeased to see the development proposed for the golf course, as the community is preparing to redevelop and revitalize the Route 112 corridor, on another side of town.

“[It’s] dismaying to see a town planning commissioner come before you and say this is a location that meets all criteria,” Bob de Zafra, of the Setaukets and Stony Brook civic, said at the public hearing. “It does not.”

He also criticized Panico for bringing forth the resolution.

De Zafra asked Panico and new Councilman Neil Foley (R-Blue Point) to recuse themselves from the vote, as the officials received campaign contributions from a company under the umbrella of Partrick’s Heatherwood Communities, the retirement community developer.

According to campaign financial disclosure records, Friends of Dan Panico received a $500 contribution from Heatherwood House at Coram LLC in September 2013, while Friends of Neil Foley received a $1,000 contribution in October 2014.

“There’s nothing illegal in that,” de Zafra said. “There’s nothing dishonest in that and I certainly don’t mean to imply that, nor am I due a lecture about it.”

Panico, who said he brought forth the zone change resolution because it was in the best interest of the whole town, interjected during de Zafra’s comments and said, “Why would you bring it up?”

Frank Gibbons, a board member of the Port Jefferson Station/Terryville Civic Association, said he was concerned about the development’s impact on traffic.

“There are good arguments on both sides of this question, but I think that when we look at the best thing for the entire township, Mr. Panico, … how about taking care of Terryville, Port Jefferson Station and South Setauket,” Gibbons said.

The town board placed conditions on its zone change approval, including that Partrick must make the land donation, remove a billboard at the golf course, construct a sidewalk on the east side of Arrowhead Lane and complete a new traffic study for the Terryville site.

Heatherwood’s attorney, David Sloane, of Certilman Balin Adler & Hyman LLP, spoke about the positives of the project, including a decrease in the use of pesticides and more property taxes to the school districts without an influx of students.

“This proposal is the least intensive use that could be developed on this site,” he said.

Members vote against Heatherwood retirement community

The owner of the Heatherwood golf course wants to build 200 units of retirement housing at the site. Photo by Andrea Moore Paldy

Civic members took a stand Tuesday night against a housing community proposed to be built on the Heatherwood golf course, voting to send a letter of opposition to Brookhaven Town.

The Port Jefferson Station/Terryville Civic Association’s executive board will draft and submit the letter, which carries no legal weight but serves to share the community’s views on a project for consideration.

The official civic vote caps a months-long discussion on the project at the Heatherwood Golf Club, at Arrowhead Lane and Nesconset Highway in Terryville.

Doug Partrick, an owner of both the course and multifamily housing developer Heatherwood Communities, wants to build 200 rental units for people 55 and older, a mixture of town houses, ranches and apartments.

When Partrick gave a presentation on the project at a May civic meeting, he said the retirement housing would be built on 25 acres at the golf course, leaving the remaining 45 acres as open space. The 18-hole golf course currently at the site would be reduced to a nine-hole course that would surround the homes.

The course is zoned A Residence 5, which allows for one housing unit on every 5 acres. Partrick would need a zone change to planned retirement community zoning to proceed with the development.

As they did at previous civic meetings, members spoke against the proposal on Tuesday night, citing quality of life concerns such as traffic congestion.

Civic President Ed Garboski reported that a traffic study of the area found that retirement housing would have little impact on traffic, though some residents scoffed at that notion.

One man who lives near the golf course talked about how busy the adjacent roads are already and said the housing community would make things worse.

And member Don Zaros took issue with the fact that the homes would be rentals, saying people who rent instead of own — whom he called “transients” — do not care about the community as much.

Partrick, who was not at Tuesday’s meeting, said previously that if the housing development does not move forward he might close the club. He said he would think about whether he would be “better off consistently losing money on the golf course or … just shutting the golf course down, leaving it dormant.”

While some residents have been concerned about having a large abandoned property in town that could possibly attract vandalism or homeless people, others were not worried. While one man said on Tuesday that having retirement housing is “better than a blighted, abandoned piece of property” in the neighborhood, another countered that vacant and blighted are not the same thing, and having a large grassy parcel would be better for Long Island’s groundwater than a housing community.

The group voted overwhelmingly to send a letter of opposition to the town, in keeping with an unofficial vote at last month’s meeting that produced the same result.

Civic group does not vote ‘fore’ or against proposal

The Heatherwood Golf Club. File photo by Andrea Moore Paldy

Dozens of community members turned out to a special meeting of the Port Jefferson Station/Terryville Civic Association last Wednesday night, Aug. 27, to oppose a proposed retirement housing project at the Heatherwood golf course.

The owners of Heatherwood Golf Club, located at Arrowhead Lane and Nesconset Highway in Terryville, are looking to build 200 rental units at the site — made up of townhouses, ranches and apartments — for residents 55 and older.

Doug Partrick, an owner of the course and multifamily housing developer Heatherwood Communities, was not at the meeting, but according to a presentation he gave on the project at a May civic meeting, the housing would be built on 25 of the golf course’s 70 acres, leaving 45 acres as open space.

The homes would be surrounded by a nine-hole golf course, down from the 18 holes currently on the site.

Residents at Wednesday’s meeting said they are concerned about the project’s impacts on traffic and quality of life. They were also wary of overdevelopment.

“It takes me 20 minutes to get home and I travel 1.8 miles,” Patricia Higgins, who lives close to the golf course, said in an interview afterward. “I could walk faster.”

Civic President Ed Garboski told the crowd that the golf course would shut down at the end of the season, regardless of whether the housing project is approved.

Partrick had said in May that if the development did not move forward, he would think about whether he is “better off consistently losing money on the golf course or … just shutting the golf course down, leaving it dormant” and paying taxes on the land.

“If he wants to walk, let him walk,” Lou Antoniello, who is the civic treasurer but was speaking just as a Terryville resident, said in an interview. “Have a nice day and don’t let the door hit you on the way out.”

Residents hope they can stop the project from moving forward.

“I am so glad I came to know what’s going on and it’s disappointing,” Port Jefferson Station resident Nancy Farrell said in an interview.

Garboski said during the meeting that results of a traffic study performed on the area found that the proposed Heatherwood project would not have a big impact on traffic.

But residents argued that 200 rented units would bring at least 200 new cars, and said they don’t understand how that wouldn’t affect traffic.

Joe Cannone, a Port Jefferson Station resident, said after the meeting that he isn’t against development at the golf course, but “the golf course should either stay a golf course or develop for what it’s zoned for.”

The course is zoned A Residence 5, which allows one housing unit for every 5 acres.

The civic is expected to vote on whether it supports the project at its next meeting on Sept. 23.

Whatever the group decides, it will have the backing of a neighbor — Shawn Nuzzo, president of the Civic Association of the Setaukets and Stony Brook, attended last Wednesday’s meeting because part of the golf course lies in the Three Village school district, and he assured the crowd that his civic will take the same stand as whatever the Port Jefferson Station/Terryville Civic Association decides.

The Heatherwood Golf Club. File photo by Andrea Moore Paldy

The Port Jefferson Station/Terryville Civic Association will hold a special meeting on Wednesday, Aug. 27, to discuss the proposed housing development for the Heatherwood Golf Club in Terryville.

Doug Partrick, an owner of multifamily housing developer Heatherwood Communities, has proposed a 200-unit retirement community for the golf club, which is at Arrowhead Lane and Nesconset Highway.

Developer Doug Partrick talks about his proposed development for the Heatherwood Golf Club at a recent civic meeting. File photo by Andrea Moore Paldy
Developer Doug Partrick talks about his proposed development for the Heatherwood Golf Club at a recent civic meeting. File photo by Andrea Moore Paldy

His plans for the property include turning the 18-hole golf course into a nine-hole one that would surround two-bedroom rentals — a mixture of ranches, townhouses and apartments. On the 70-acre property, he has said, 45 acres would remain open space.

At a previous civic meeting, residents shared their concerns about an increase in traffic the housing community could bring, as well as drainage and sewage issues. According to representatives at that May meeting, drainage would be handled by constructing ponds and the homes would be linked to a county sewage treatment facility.

The civic association did not take a formal position on the matter at that meeting, but an informal vote showed that most of the people present were against the proposal.

It would require extra approval from the town, as the property is zoned A Residence 5, which allows one housing unit for every 5 acres. This proposal would be more dense, with the 200 units on 25 acres.

The community is invited to discuss the development at the civic’s meeting at the Comsewogue Public Library, from 7 to 9 pm.

Plan calls for homes for older folks at Terryville course

The Heatherwood Golf Club. Photo by Andrea Moore Paldy

Word that a retirement community is being proposed for Heatherwood Golf Club in Terryville brought residents out in full force to last Wednesday evening’s Port Jefferson Station/Terryville Civic Association meeting, where they raised concerns about density, increased traffic, storm drainage and sewage.

Doug Partrick, an owner of multifamily housing developer Heatherwood Communities, was at the meeting to present the plan for a 200-unit housing complex on the 70-acre property at Arrowhead Lane and Nesconset Highway.

His family has owned Heatherwood Golf Club since the 1960s but it “is no longer viable as a standalone,” he said. With fewer people golfing, the company — which also owns Pine Hills golf course in Manorville — “no longer can carry the golf course as it is without consideration for development.”

Partrick, architect Steven Hanson and engineer Michael Marinis propose to turn the 18-hole course into one with nine holes that would wrap around two-bedroom rental homes. The residences would be a combination of ranches, townhouses and first- and second-floor flats.

Of the golf course’s 70 acres, homes would be built on 25 acres and 45 acres would remain open space, Partrick said.

Hanson said the new homes would offer direct access to the course, which would act as a buffer between the development and the surrounding community, but that the course would remain open to the public.

Developer Doug Partrick talks about his proposed development for the Heatherwood Golf Club at a recent civic meeting. File photo by Andrea Moore Paldy
Developer Doug Partrick talks about his proposed development for the Heatherwood Golf Club at a recent civic meeting. File photo by Andrea Moore Paldy

Of particular concern to residents at the meeting was the fact that development on the golf course could violate the 2008 Comsewogue Hamlet Comprehensive Plan, a study and land-use plan for the area. According to Lou Antoniello, the civic association’s treasurer and chairperson for that hamlet study, the large majority of Port Jefferson Station and Terryville had already been built up at the time of the study, and surveys indicated that residents did not want the few remaining open spaces to be developed.

The study laid out the type of development locals wanted to see, and was geared toward preserving the area’s open space and history while creating a balance of living, shopping and cultural areas, Antoniello said. He sees that balance in jeopardy, as there are several senior housing communities already built or proposed.

MaryAnn Johnston, president of the Affiliated Brookhaven Civic Organization, an umbrella group of about 30 civic groups, said it would be a “waste and abuse of residents’ time and energy” if local development did not follow the guidelines of the study.

Councilwoman Valerie Cartright (D-Port Jefferson Station), who attended the civic meeting, said in a written statement that the study was “a reflection of the community’s vision” and that she continues “to support the desires of these residents” in her role on the town board.

Residents at the meeting also said they were concerned that the new project could exacerbate traffic problems on the already congested Nesconset Highway and asked about storm drainage and sewage from the property.

Heatherwood representatives said they have yet to conduct a traffic study, but have plans to handle drainage through the construction of ponds, and the 200 housing units would be hooked up to a county-owned sewage treatment plant.

Winning support from residents is only one of the difficulties facing the developer — overcoming zoning hurdles could be another. The property is currently zoned as A Residence 5, which allows one housing unit per 5 acres.

Asked what he would do if the development does not move forward, Partrick said he’d have to ask himself if he would be “better off consistently losing money on the golf course or … just shutting the golf course down, leaving it dormant” and paying taxes on the land.

Civic association leaders said they needed more information on the Heatherwood proposal before deciding whether to support it. However, an informal vote showed that most of those who attended the meeting opposed the development as it was presented.

Cartright advised residents to “listen and reflect on each of these individual proposals to determine what is in the best interest of the community and in line with their vision.”