NJ Lifestyle Magazine Holiday 2025 Issue

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—Betty Grohom

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HOLIDAY REFLECTIONS

Iknow we’re all looking forward to the holidays and the little break they bring. It’s a wonderful time to gather with friends and family and to appreciate the things that matter most — our relationships and the chance to reconnect with loved ones near and far.

In the spirit of giving and gratitude, I want to extend heartfelt thanks to Cancer Support Community New Jersey at Gilda’s Club for recognizing me and my dear friend and colleague, Lisa Johnson, for our shared commitment to their cause. Their mission — providing free psychosocial support to families affected by cancer — is both inspiring and deeply needed.

And with the holidays come the joy of giving. Within these pages of New Jersey Lifestyle, you’ll find thoughtful gift ideas from our loyal advertisers. Another perfect gift? The gift of art. Our Art Feature Writer, Michael Cagno, highlights the value of sharing creativity this season. Don’t miss the Holiday Market on December 6 and 7 at the Atlantic City Arts Garage, where you’ll find a range of affordable, original art pieces — just mention that you’re a New Jersey Lifestyle reader!

Our Home & Design feature spotlights the refined minimalism of ALC Development Group, known for their stunning coastal projects in Margate and now Atlantic City. Their “Japandi”-inspired aesthetic — blending Japanese serenity with Scandinavian warmth — creates spaces that feel both modern and inviting.

In Travel, writer Sandy Sardella White takes us on a breathtaking journey to Lucerne, Switzerland, a lakeside paradise that climbs into the mountains, offering a mix of scenic beauty, lakeside dining, and timeless charm.

And because balance is essential this time of year, Robin Stoloff reminds us to take things slowly, resist overindulgence, and enjoy the simple pleasure of a post-dinner walk — perfect for connecting with visiting guests, and a great way to digest that holiday meal.

For many of us, food is the ultimate gift. In our Eats feature, writer Molly Golubcow explores local dining options that can make your holiday meals easier and more enjoyable, from Christmas takeout feasts to Hanukkah favorites.

Finally, Tom and Matt Reynolds of CRA Financial offer valuable advice on one of life’s most meaningful gifts — helping your children purchase their first home.

From the bottom of my heart, I wish you all a joyful, peaceful, and restorative holiday season. And for even more stories, features, and photos from across South Jersey, visit NJLifestyleMag.com. n

Festive Finds

Give gifts that wow.

Discover Lucerne, Switzerland

A city where legend and landscape intertwine.

Artful Giving Gifts that carry meaning beyond the moment.

Feast

Lucerne, Switzerland

L ife S ty L e C ontributor S

The people who make it great.

Darla Mossotti Creative Director

Darla has been an integral part of NJ Lifestyle Magazine since 2004. From sales to publishing to graphic design, she has experienced all aspects of the industry.

Robin Stoloff Health Reporter

Robin has been a local health reporter since 1986, and hosts Living Well on Lite Rock 96.9, and a weekly podcast by the same name. Visit her at livingwellwithrobinstoloff.com.

Molly Golubcow Writer

By day, Molly has been a technical writer for over 20 years. By night, she escapes the world of “Press Enter” to write about anything other than technical subjects.

Michael Cagno Artist, Writer

Michael is the Executive Director of the Noyes Museum of Art of Stockton University, V.P. of the MidAtlantic Association of Museums, and an artist.

Felicia L. Niven Contributing Writer

Felicia has been writing professionally for more than 3 decades. Her passion for exploring new subjects is reflected in each feature story she crafts.

Sandy Sardella White Online Writer

Sandy is rediscovering her beloved hometown at the shore after living in Boston for years. She’s been a writer for the Boston Herald, Harvard Health and the Philadelphia Inquirer

Michael Bray Wine Writer

Michael is the founder of and director of operations at Passion Vines Wine & Spirit Company in Somers Point and EHT. He serves on numerous local boards.

Danielle Gomes Contributing Writer

Danielle is an author, freelance writer and brand marketing specialist. Her nationally featured work has won numerous awards. She lives in Margate with her husband and two sons.

Dennis Hayes & Lisa Johnson

Dennis’ passion is learning the secrets of preparing good food, traveling the world, and living life to the fullest. Lisa is a TV journalist from Vegas, Philadelphia, and A.C.

Kristian Gonyea Photographer

Kristian’s 15+ years of photography has appeared in various newspapers and magazines. His love of South Jersey has blossomed into his most recent works, sunrises and sunsets.

Gary Monterosso Craft Beer Writer

Gary is an award-winning critic who has written for national and regional publications. Gary has appeared on many television programs discussing craft beers.

Paul Dempsey Photographer

From expressway billboards to European fashion magazines — Paul’s photography is fresh, unique, and intentional. His photos tell the stories that need no words.

LifeStyle

PUBLISHER

Nick Valinote

CREATIVE DIRECTOR

Darla Mossotti

CONTRIBUTING EDITOR

Lisa Johnson

CONTRIBUTING WRITERS

Linda Arceo

Michael Bray

Michael Cagno

Louisa Esposito

Molly Golubcow

Danielle Gomes

Dennis Hayes

Gary Monterosso

Felicia L. Niven

Marjorie Preston Matt and Tom Reynolds

Robin Stoloff

Sandy Sardella White

PHOTOGRAPHERS

Tom Briglia/PhotoGraphics

Paul Dempsey

Kristian Gonyea

Violet Karyn

Harry Purdy

Shaun Reilly

Nick Valinote

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P.O. Box 1183, Absecon, NJ 08201 Telephone: 609-513-0813 NJLifestyleMag@gmail.com NJLifestyleMag.com

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Spanning 125’ of direct beachfront frontage along the Ventnor boardwalk, this 16,000 SF spectacularly reimagined home is positioned within a self-contained gated compound on an extraordinary 22,000 SF property. A grand foyer with an opulent staircase is adjacent to a formal 16-seat dining area and entertainment lounge with a fully equipped handcrafted bar. The impressive two-story open-concept living room allows easy access to a chef envied kitchen equipped with Viking appliances. The two-story primary suite, complete with spectacular ocean views, is complemented by 3 additional privately entranced Bedroom Suites, each with their own living areas, state of the art kitchens and accompanying baths. This remarkable retreat includes 16 bedrooms and 17.2 bathrooms. The magnificent resort-styled oasis also includes 3,000 SF of upper multi-level decking offering panoramic ocean views, a sun drenched 52’ pool and spa surrounded by lush landscaping and fully equipped outdoor kitchen under the confines of an expansive entertainment veranda.

FESTIVE FINDS

This holiday, give gifts that wow. From luxe jewelry and stylish fashion to unforgettable experiences and local treasures, our curated picks make every present feel extraordinary — and every moment, memorable.

ALOR® cuffs at Roberts Fine Jewelers
Petal Pleated Top at Talk of the Walk
Gift Timeless Elegance
Style Their Season
The Bay Atlantic Symphony
Customizable gift basket at Passion Vines
Blue Rascal Distillery’s Blueberry Vodka
Sip, Savor, Celebrate Raise Spirits

Leisure

The best gifts are those that show thought, care, and a touch of surprise. Whether big or small, classic or unexpected, the right present can create joy, spark memories, and make someone feel truly appreciated.

The holiday season is all about celebrating, sharing joy, and finding that perfect gift that shows you care. But this year, why settle for ordinary? From statement-making jewelry and fashion-forward pieces to gourmet treats, unforgettable experiences, and locally crafted treasures, there’s a way to make every gift feel thoughtful, luxurious, and uniquely memorable. Our guide highlights standout options that will delight everyone on your list — because giving should be as special as receiving.

Gift Timeless Elegance

Make this holiday unforgettable with an exquisite statement piece from Roberts Fine Jewelers’ newly curated fashion collection — perfectly priced under $2,500. Located in Northfield, Roberts Fine Jewelers is celebrated for its designer fashion jewelry and has been a trusted name in fine pieces since 1946. Whether you’re dreaming of a bold gemstone ring, a refined bracelet, or an elegant designer pendant from standout brands like Lagos, Simon G, Goldman, or ALOR, Roberts curated selection offers exceptional quality and craftsmanship. These pieces arrive beautifully wrapped — no wrapping needed — just the delight of gifting something both luxurious and timeless.

Style Their Season

Bundle elegance and flexibility this season with a gift from Talk of the Walk — choose a standout fashion piece or let them curate their own style with a boutique gift card. Whether it’s the crowd-favorite Petal Pleated Top (now marked down from $129.99 to $99.98), a shimmering metallic ruffle-sleeve dress, or one of the trendsetting 2-piece sets, each item speaks of refined taste and wearable flair. Not sure which piece matches their vibe best? A Talk of the Walk gift card — available online or instore starting at $50 — grants full access to their curated collection of apparel and accessories, from bold statement pieces to sophisticated wardrobe staples. This thoughtful choice blends local charm, versatile gifting, and fashionforward luxury — perfectly tailored to delight.

Subscribe to Symphony Joy

Bay Atlantic Symphony’s 2025–26 season — the perfect present for anyone who loves music, culture, and unforgettable experiences. A season subscription offers the best seats and value for a full year of inspiring performances,

Smokiez Edibles Conservatory Cannabis
High Spirits, Happy Holidays

including Yes to “Nonets!” (January 18–19), a bold program blending early-20th-century color with contemporary flair; Out of the Depths (March 15–16), featuring Haydn’s powerful choral work and stirring Beethoven; and Spring in Our Step (May 3–4), starring pianist Byeol Kim in Schumann alongside sparkling works by Grant and Bizet. Wrap up a year’s worth of music and memories — visit stockton. universitytickets.com to purchase a season subscription today. It’s a gift that will resonate long after the final note.

Sip, Savor, Celebrate

Gift the joy of a curated discovery with Passion Vines’ seasonal and customizable gift baskets — an effortlessly elegant present for any occasion. Based in Somers Point and Egg Harbor Township, Passion Vines makes thoughtful gifting a breeze with its pre-built seasonal and special-occasion baskets, thoughtfully assembled with premium wines, craft spirits, and gourmet treats that are ready to delight. For those who prefer something uniquely personal, their Custom Gifts service lets you craft a one-of-a-kind package — choose your favorite bottles, select stylish vessels and decorations, and even include personalized touches like custom labels or cherished personal items. Whether you’re celebrating the holidays, a milestone, or simply want to show you care, Passion Vines delivers a memorable unwrapping experience — complete with delivery or shipping across New Jersey.

Raise Spirits

Looking for a spirited holiday gift? Blue Rascal Distillery has you covered with their smooth, fruit-forward Blueberry Vodka or a versatile gift card. Crafted in Hammonton, the “blueberry capital” of the world, this vodka captures

the essence of South Jersey’s harvest — perfect for festive cocktails or sipping on its own. Not sure what they’ll love most? A Blue Rascal gift card lets them choose from tasting flights, cocktails in the distillery’s chic lounge, or bottles of award-winning craft spirits to enjoy at home. Bold, local, and memorable — it’s a gift that truly raises the spirits.

Holiday CarToyz

Looking for a holiday gift that revs up excitement? Distinctive CarToyz in Pleasantville has you covered with upgrades any car lover will appreciate. From remote start systems that warm up the car on chilly mornings to custom wraps, ceramic coatings, and highend audio installations, their services transform everyday driving into a luxury experience. A gift certificate to Distinctive CarToyz isn’t just practical — it’s unforgettable, making it the perfect present for the auto enthusiast on your list.

High Spirits, Happy Holidays

Spread a little holiday cheer with the perfect gifts from Conservatory Cannabis! Add some sweetness to the season with Smokiez Edibles — delicious, fruit-flavored gummies like Watermelon that make every celebration a little brighter. Or, give the gift of choice with a Conservatory Cannabis gift card, so your loved ones can pick their own favorites. Whether you’re stuffing stockings or wrapping up something special, these festive finds are sure to make spirits high and bright.

No matter who you’re shopping for this season, the best gifts are the ones that feel personal — a reflection of thought, care, and joy. From sparkling jewelry and runway-ready fashion to world-class symphonies, fine wines, handcrafted spirits, and elevated experiences, these inspired finds turn holiday giving into an art form. So go ahead — wrap up a little luxury, a touch of local charm, and a lot of heart. Because the most memorable gifts don’t just fill boxes — they fill moments with meaning. n

talkofthewalk.com • @talkofthewalk • Atlantic City, NJ • Huntingdon Valley, PA

Finding Zen at Home

WHEN IT COMES TO HOME DESIGN, STYLE SHOULD DO MORE THAN PLEASE THE EYE — IT SHOULD NURTURE THE SOUL.

JAPANESE MINIMALISM IS A DESIGN PHILOSOPHY THAT BLENDS SIMPLICITY, BALANCE, AND NATURE TO CREATE SPACES THAT FEEL BOTH CALMING AND TIMELESS. NEW JERSEY LIFESTYLE SAT DOWN WITH ANDREW CLAIRE, FOUNDER OF ALC DEVELOPMENT GROUP, WHOSE LATEST LOWER CHELSEA TOWNHOMES IN ATLANTIC CITY EMBODY THIS APPROACH INSIDE AND OUT, OFFERING RESIDENTS A SERENE RETREAT JUST STEPS FROM THE SHORE.

Your home should be more than four walls — it should be your haven, your retreat, your place to breathe and recharge. Enter Japanese Minimalism. More than just a design trend, it is a philosophy — a way of creating balance, simplicity, and harmony with nature. By blending traditional Japanese aesthetics with modern minimalist principles, this approach keeps life clean, uncluttered, and deeply calming. And really, who could not use a little stylish calm in their lives?

To explore how this design philosophy can shape modern living, New Jersey Lifestyle sat down with Andrew Claire of ALC Development Group. ALC’s latest development in Atlantic City’s Lower Chelsea neighborhood incorporates Japanese minimalist principles inside and out.

Why Japanese Minimalism?

“Have you ever seen those little tabletop Zen gardens, with sand, a mini rake, and a few rocks?” Claire asks. “To me, that embodies Japanese Minimalism. It is calming, rooted in natural finishes, and essentially a canvas for your own design.”

That philosophy guided ALC’s newest project: eight Lower Chelsea townhomes. Each was designed to feel warm and inviting, while also allowing future owners to bring in their own personal style. “We wanted to create homes that feel open and adaptable,” Claire explains. “Japanese Minimalism favors flow over rigid structure, embracing the concept of wabi-sabi — finding beauty in imperfection, like the way a trail winds through the woods. We intentionally leave open space,

From concept through construction, Ben Chapman Development is dedicated to building high-quality, luxury homes.

allowing future owners the flexibility to shape the interior in a way that reflects their lifestyle and echoes the natural features that surround the home.

Design Elements In The Lower Chelsea Townhomes

For the exteriors, Claire and his team focused on clean lines, neutral colors, and large windows and sliding doors to capture as much natural light — and ocean views — as possible. Inside, the design leans on wood finishes, soft muted tones, and open, airy layouts. “These townhomes are just steps from the beach,” Claire says, “so Japanese Minimalism felt like the perfect aesthetic to mirror the calm and serenity of the ocean.”

Japanese Vs. Western Minimalism

While both philosophies favor simplicity, Claire points out a key distinction: “Western Minimalism often feels colder, defined by rigid layouts and industrial materials. Japanese Minimalism, by contrast, brings a sense of warmth — with natural hues, softer lines, and a more fluid sense of space. Western Minimalism had its moment, but Japanese Minimalism feels enduring — timeless.”

Tips For Bringing It Home

Thinking about bringing Japanese Minimalism into your own home? Claire recommends starting with a clean slate: “Begin by decluttering. Keep only the items that bring you joy or serve a clear purpose. Then reintroduce simplicity — think natural wood, stone, and a touch of greenery. Even just a few well-placed plants can completely shift the energy of a space and invite a sense of calm indoors.”

Andrew is the founder and principal of ALC Development Group, where he leads the firm’s design-forward strategy and oversees all aspects of project execution and risk management. Since launching the company in 2024, he

“Japanese Minimalism, by contrast, brings a sense of warmth — with natural hues, softer lines, and a more fluid sense of space. Western Minimalism had its moment, but Japanese Minimalism feels enduring — timeless.”

has directed a diverse portfolio of development projects — spanning residential, mixed-use, and adaptive reuse — and played a key role in establishing multiple real estate investment funds. Andrew is currently focused on growing the firm’s development pipeline and driving innovation at the intersection of architecture, sustainability, and urban planning. He holds degrees from the University of Maryland and Drexel University. n

DISCOVER THE MAGIC OF LUCERNE, SWITZERLAND DISCOVER THE MAGIC OF LUCERNE, SWITZERLAND

Nestled in the heart of Switzerland, Lucerne is a city where legend and landscape intertwine. Framed by snow-capped peaks and mirrored in the turquoise waters of Lake Lucerne, it’s a place where medieval charm meets natural majesty.

Old Town architecture of Lucerne, Switzerland
Lion monument in Lucerne
Famous boats on lake Lucerne in Weggis, Switzerland
Sandy Sardella White in Lucerne
Lake cruise

Local legend has it that dragons with healing powers live in stone crevices near the summit of Mount Pilatus, which stands out boldly among its fellow Swiss Alps, forming the dramatic backdrop of the picturesque city of Lucerne and its sprawling turquoise lake.

At one time, hiking Pilatus was prohibited due to fears that climbers might provoke the dragons, who were believed to unleash terrible storms and floods in anger.

Spending time in this magical city — less than an hour by train from Zurich through bright green, hilly countryside — it’s easy to become swept up in its rich folklore. Originally settled in the 12th century, Lucerne’s Old Town retains much of its medieval architecture, including parts of its original city wall and defensive towers, giving it a storybook feel. Intermixed are ornate Gothic and Baroque-era Roman Catholic cathedrals built in later centuries.

Describing this place as scenic or charming doesn’t do it justice. Everywhere you turn, you feel compelled to capture the view in a photo. We stayed at the French Renaissance–era Grand Hotel National, one of several luxury hotels along the lake’s shores. Stepping out onto the balcony, stress simply evaporates as you take in the panoramic view of serene waters dotted with boats and swans, all framed by a majestic mountain backdrop.

Outdoor Adventures

Pilatus and its neighbor, Mount Rigi, provide a haven for hikers with their stunning lake and peak

views, as well as an elaborate system of cable cars that offer unparalleled aerial vantage points.

The Golden Round Trip (by boat, cogwheel train, and aerial cableway)

Instead of hiking up Pilatus — which I hear takes about four to five hours — we opted for a popular three-part tour (open from May to October). It began with a relaxing, hour-long cruise across the glistening lake, where I met a musician from Massachusetts performing in Lucerne’s renowned World Band Festival, held every September. As we set out, a brass band could be heard playing jazz in the distance.

The boat took us to Alpnachstad, where we boarded the world’s steepest cogwheel railway to reach Pilatus’s 2,132-meter (6,995-foot) summit in just 30 minutes.

The boat took us to Alpnachstad, a village at the foot of Pilatus. There, we boarded what’s said to be the world’s steepest cogwheel railway, which takes you to the summit — 2,132 meters (6,995 feet) above sea level — in just 30 minutes.

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ATLANTIC CITY LUXURY

In nervous anticipation, I pictured something old and rickety, but once I saw the sleek, modern train gliding effortlessly along its carved-out trail, my uneasiness gave way to excitement. The ride up offered close views of enormous rock formations with glimpses of the lake peeking through the background.

You can dine at the mountaintop restaurant or simply relax in the sun on lounge chairs with a picnic.

This engineering marvel was upgraded in 2023 with energyefficient trains, though the tracks date back to the original 1886 construction. Back then, the Pilatus Cogwheel Railway was built to boost tourism to the historic hotel at the mountain’s peak — the Pilatus-Kulm — where you can still stay today.

At the summit, we hiked along short trails, following the “footsteps of the dragon,” to take in the full view of 44-square-mile Lake Lucerne below and the far-reaching vistas of the Alps. If you’re not in a hurry to descend, you can dine at the mountaintop restaurant or simply relax in the sun on lounge chairs with a picnic.

For the final leg of the journey, we boarded an aerial tram, standing with fellow travelers as we descended the mountain’s north face. At an intermediary station, I caught a glimpse of an extensive rope park with ziplining and other adventures — you can even rent a tree tent and spend the night surrounded by nature. To reach the base, we transferred to a smaller gondola that carried us to Kriens, just a few minutes by bus from Lucerne.

Exploring Old Town

There are countless cafés and restaurants along the lake and the Reuss River where you can enjoy Swiss, French, or Italian cuisine — or simply sip a beverage and relax. Walking down the cobblestone streets of Lucerne’s medieval Old Town, you’ll find history interwoven with modern life: fine Swiss watch and jewelry shops, high-fashion boutiques, and plenty of chocolate stores, including Lindt, which also has a nearby factory you can tour.

Local author and NJ Lifestyle
writer, Molly Golubcow, shares stories that are 100% Atlantic City!

Lucerne is famous for its wooden bridges spanning the Reuss. The Chapel Bridge is said to be the oldest covered bridge in Europe. The bridge, its octagonal Water Tower, and the Musegg Wall were all constructed in the early 1300s as part of Lucerne’s original fortifications. Other notable landmarks include Switzerland’s first Baroque-style cathedral and the magnificent “Dying Lion of Lucerne,” a moving sculpture carved into a rock face to commemorate Swiss soldiers.

No matter what your itinerary includes, you are guaranteed to soak in some of the most breathtaking scenery in the world — and with it, a profound sense of peace and tranquility. n

The Hotel on St. James Place: Growing up in Atlantic City between the Boardwalk and the Holocaust tells incredible tales about her parents and the hotel they ran in the 1970s.

PASO THE NEW NAPA?

Paso Robles, California, is emerging as the “new Napa,” offering diverse terroirs, artisanal craftsmanship, and exceptional value.

This quarter, I’m thrilled to spotlight Paso Robles, California — the up-and-coming star that decades from now might be spoken of in the same breath as Napa, but with its own distinct character. As a purveyor of wines and a lifelong student of flavor, I’ve watched Paso Robles emerge as a place where tradition and innovation meet in a glass. Here are three powerful, profound reasons why Paso Robles is, in many ways, the new Napa — and why it deserves a top spot on your cellar list and in your conversation.

Reason 1: Diversity of terroir that delivers depth and approachability: Paso Robles sits between the Pacific and rolling inland valleys, where heat-loving Rhône varieties mingle with Bordeaux styles and Burgundian-influenced whites. The result is a tapestry of microclimates — from cool, fog-kissed pockets to sun-drenched slopes — that yield wines with unmistakable identity yet broad appeal. You can find structured Cabernet Sauvignons and Rhône-inspired blends that age gracefully, alongside vibrant Zinfandels and aromatic whites that drink beautifully in their youth. For wine lovers in New Jersey, Paso offers the kind of stylistic range that typically requires trips to multiple appellations elsewhere, all in one region.

Reason 2: A culture of craftsmanship and hands-on winemaking is what sets Paso apart — its emphasis on craft over corporate scale. Many family-owned and boutique wineries nurture a hands-on approach — from sustainable farming and meticulous canopy management to small-batch fermentation and hands-on barrel aging. This dedication translates into wines with integrity, personality, and a sense of place. In Paso, you taste the winemaker’s imprint — the patience, the terroirdriven nuance, and the willingness to explore stylistic boundaries. For us at Passion Vines, that translates into exciting recommendations for our customers who want wines with character they can discuss long after the last pour.

Reason 3: Value that competes with, and often surpasses, higherpriced regions. Napa has its aura, but Paso offers exceptional value without compromising quality. While Napa’s prestige price tags have their appeal, Paso delivers wines that express the same level of skill

and complexity at friendlier price points. The result is a region that can deliver age-worthy Cabernets and layered Rhône blends without forcing you to break the bank. For our customers, Paso wines are both accessible and exciting — proof that premium, terroir-forward wines can come with a more approachable sticker price and a more generous daily-drinking appeal.

Your homework and my #1 pick: Treana Cabernet Sauvignon by Austin Hope Winery ($28)

Among Paso’s standout producers, Austin Hope Winery shines, and its Treana Cabernet is a flagship ambassador for the region. Treana demonstrates the region’s appeal — dense yet refined fruit, robust structure, and a balanced finish that invites contemplation and continued enjoyment. It’s the kind of wine you reach for when you want a Napa-like presence without the Napa price tag, and it pairs beautifully with a range of dishes — from grilled ribeye to mushroomforward pastas.

I’m always seeking wines that tell a story — Paso Robles offers a storyrich portfolio that resonates with our mission: to bring thoughtful, well-made wines to the Jersey shore and beyond. Our shelves, both in Somers Point and Egg Harbor Township, continually feature Paso selections that highlight the region’s breadth — whether you’re planning a coastal dinner, a weekend tasting at home, or a thoughtful gift for a fellow wine lover, Paso Robles deserves a seat at the table.

Paso Robles is more than a trend; it’s a destination for serious wine lovers who crave depth, authenticity, and value. Are you ready!?

Drink Passionately,

Michael@passionvines.com

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Health Watch

A SEASON IN BALANCE

The holidays bring joy, traditions, and plenty of indulgence — but they can also throw healthy routines off track. Discover how to enjoy the season fully while supporting your health and well-being.

The holiday season has a way of sneaking up on us. One moment we are carving pumpkins and watching leaves fall, and the next we are surrounded by twinkling lights, trays of cookies, office parties, and family feasts. It is a joyful, festive time, but it is also when many of us feel our healthy routines start to unravel. Shorter days and colder weather make it easier to skip workouts. Tempting foods are everywhere. Sleep suffers when calendars get filled with commitments. By January, it’s no surprise to see a few extra pounds when we step on the scale.

That seasonal weight gain may not sound like a significant issue, but research shows it tends to persist. Over the years, those pounds accumulate quietly, making it harder to maintain energy, mobility, and confidence. The challenge is not just about food. It is about balance, mindset, and keeping the spirit of the holidays alive without slipping into an all-or-nothing approach that leaves us either deprived or regretful. However, there is some good news. With a little planning and perspective, we can enjoy every bite, every gathering, and every tradition while also feeling good about ourselves.

BLAKE & ASSOCIATES

One of the first steps is to adjust our perspective on the season. Instead of labeling food as good or bad, or telling ourselves we have ruined everything after one indulgent night, it helps to see the bigger picture. A slice of pie does not undo months of healthy choices. Skipping a workout does not erase all our fitness progress. What matters most is how we bounce back and the patterns we maintain overall. Approaching the holidays with a spirit of flexibility and balance makes it much easier to stay consistent without stress or guilt.

Staying active is one of the best defenses against holiday weight gain. We do not need to follow a perfect workout plan. After all, few of us can stick to our usual routines during such a busy season. Instead, movement can simply be something we weave into the rhythm of our days. A short walk after a big meal can aid digestion and clear our minds. Putting on music while decorating or cooking can turn the kitchen or living room into an impromptu dance floor, making chores feel more like fun than work. Even a few minutes of stretching, yoga, or body weight moves at home can recharge our body and spirit. On chilly days, everyday tasks like carrying boxes, vacuuming, or shoveling snow can be surprisingly effective workouts.

The goal is not perfection but persistence, staying active in ways that feel joyful and realistic. We just need to get off the couch and move. Food can be more manageable once we let go of the idea that we should deny ourselves. Holiday meals are meant to be enjoyed. The trick is to savor our favorites with a bit of strategy. Starting with vegetables or salad helps to fill us up with fiber before diving into the richer dishes. Choosing smaller portions of the items we love most lets us taste everything without going overboard. When it comes to dessert, taking our time and really savoring each bite is often more satisfying than mindlessly going back for two or three servings while talking with a friend or relative.

Gatherings can be the most challenging moments. Walking into a party on an

empty stomach is almost guaranteed to lead to overindulgence, so having a small protein-rich snack before we go keeps us from being ravenous. Once we arrive, we should be strategic and take a moment to look at the food spread before filling our plate. It makes it easier to choose wisely. If we want to guarantee there will be something nourishing, we can bring along a healthier dish. Positioning ourselves away from the buffet or snack table also helps prevent absent-minded grazing while we chat. Liquid calories are everywhere during the holidays, and they can be the ruin of good intentions. Alcohol not only adds weight, but it also reduces our ability to say no to that extra cookie. Sipping slowly, alternating our drinks with a non-alcoholic beverage, and staying hydrated keeps us in control.

Of course, no one navigates the season perfectly, and that is where we need to give ourselves a little grace. If we overeat one night, we should resist the urge to skip meals the next day. Skipping only makes us hungrier later. Instead, return to balanced eating with lean protein, vegetables, and plenty of water. Adding a walk or extra movement helps restore energy. Most important of all, do not carry guilt into the next day. Beating ourselves makes it harder to move forward. One night of indulgence is just that, one night. The next day is a chance to reset. We ate it. It’s over. Move on.

What often gets overlooked during this season is the importance of sleep and keeping stress in check. A packed calendar filled with shopping, events, and travel can leave little time for rest. Fatigue increases cravings for sugar and starchy foods, making it harder to resist temptation. Protecting our sleep schedule as much as possible, even if it means saying no to a few invitations, is a powerful tool for staying on track. Stress also fuels emotional eating, so build in small

Holiday Brunch at Capriccio

DECEMBER 7 & 14 | 9AM – 3:30PM Make this holiday magical for the whole family with a festive brunch buffet and a special appearance from Santa Claus! $79 per adult, $39 for children 6 – 12.

Court Appointed Special Advocates (CASA) for Children of Atlantic, Cape May, and Camden Counties and its trained volunteers advocate for the best interests of children in the foster care system. Through collaborative e orts, CASA ensures children receive the individual attention and support they need to thrive. The first step to becoming a volunteer is attending an Information Session.

To learn more, call 609.601.7800 or email sta @CASAacc.org

CASAacc.org

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moments of relaxation, whether it’s a hot bath, reading, journaling, or deep breathing. The holidays should feel joyful, not overwhelming, and carving out space for ourselves can make everything more manageable.

Take advantage of opportunities to combine holiday spirit with healthy habits. Walking through light displays, spending time in local parks and trails, ice skating, or joining seasonal charity runs or walks are festive ways to stay moving. Indoor recreation centers and health clubs often offer holiday specials, making it easy to try a new class or bring family along for something active. Even the simple act of strolling through decorated neighborhoods with loved ones can become a cherished tradition that balances celebration with movement.

Balance is the key to a healthy holiday season. Some days may include a party where we indulge in our favorite dessert, while others focus more on home cooking and rest. By weaving together activity, mindful eating, and moments of calm, the season feels fun and satisfying without leaving us sluggish.

At its core, the holidays are about connection and joy. Food is part of that, but it is not the whole story. Memories are made in shared experiences, in conversations, and in the warmth of being together. By approaching the season with less rigidity, we give ourselves permission to celebrate fully while also honoring our health. When January arrives, we can kick off the new year with energy and confidence, knowing we embraced the holidays without guilt or regret.

The most important message is this: perfection is not the goal. Consistency matters more than extremes. Celebrate what you love, move your body in ways that feel good, rest when you can, and let go of guilt when you veer off course. The holidays will always bring extra food and temptation, but they can also bring balance, renewal, and a stronger connection to the people and traditions that matter most. n

Advice for what matters most, when you need it most

Congratulations to Joseph J. Somers for being named to the Forbes “Best-in-State Wealth Advisors” 2025 list. Published on April 8, 2025. Rankings based on data as of June 30, 2024.

The Somers Gibson Moonesar Group

Joseph J. Somers, CFP , CIMA , CPFA Senior Vice President Wealth Management Advisor Senior Portfolio Advisor

609.484.7172 joe_somers@ml.com

Merrill Lynch Wealth Management 3100 Hingston Avenue Suite 200 Egg Harbor Township, NJ 08234 advisor.ml.com/sites/nj/atlantic-city/somersgroup

2025 Forbes “Best-in-State Wealth Advisors” list. Opinions provided by SHOOK® Research, LLC and is based on in-person, virtual and telephone due-diligence meetings that measure best practices, client retention, industry experience, credentials, compliance records, firm nominations, assets under management and Firm-generated revenue (investment performance is not a criterion). SHOOK’s rankings are available for client evaluation only, are not indicative of future performance and do not represent any one client’s experience and available for investor help in evaluating the right financial advisor. Compensation was not received from anyone for the study. Past performance does not guarantee future results. Details available at the SHOOK Research website. SHOOK is a registered trademark of SHOOK Research, LLC.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) is a registered broker-dealer, registered investment adviser, and Member SIPC. Bank of America, N.A., Member FDIC and MLPF&S are wholly owned subsidiaries of Bank of America Corporation.

The Bull Symbol and Merrill are registered trademarks of Bank of America Corporation.

CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S. CIMA® is a registered certification mark of the Investments & Wealth Institute®. For more information about the Institute and the CIMA certification, please visit investmentsandwealth.org.

A Senior Portfolio Advisor can help clients pursue their objectives by managing on a discretionary basis custom investment strategies, selecting from a wide range of Merrill model portfolios and third-party investment strategies.

© 2025 Bank of America Corporation. All rights reserved. 8038366 | AD-07-25-0419 | 472538PM-0725 | 07/2025

ARTFUL GIVING

This holiday season, consider giving a gift that carries meaning beyond the moment. Original artwork not only brings beauty and inspiration into daily life but also supports the artists and cultural organizations that keep creativity, tradition, and community thriving. From paintings and sculpture to ceramics, glass, and fiber arts, each piece tells a story — one that can be cherished for generations.

LifeStyle Art
Wheaton Art's Glass Bead Necklace

Unlike mass-produced items, original art can be passed down through the generations — each piece portraying the artist’s vision, their story.

Campbell, Bird Song
Drew Scarpa, Amelis Island Morning pastel
Sandra Kosinski, Raku

Purchasing artwork this holiday season provides cultural enrichment opportunities while keeping creativity and heritage alive. It also has a local economic impact by supporting arts organizations and artists. Unlike mass-produced items, which often end up in a landfill after a few years, original art can be passed down through the generations. Each piece of art portrays the artist’s vision, their story. Whether you are hanging, wearing, or carrying it, original art offers beauty and reflection, creating a lasting emotional bond.

Award-winning artist Drew Scarpa creates paintings that capture place and time. Similar to his inspirations, such as Constable and Boldini, Scarpa uses atmospheric perspective and tonal shifts to capture the effects of light. “I don’t incorporate fine detail, just the suggestion, forcing the viewer to be more engaged, says Scarpa. Formally trained at Glassboro State College, Scarpa’s work is an exploration of the push and pull of the surface until forms appear. Whether in the studio or on site, his work is about color, texture, and shapes. Today, Scarpa has been developing a body of work based on the landscape of southern New Jersey.

Sandra Kosinski studied ceramics, glass, and metals at California College of Arts. She earned a Bachelor of Science degree in Ceramic Science and Engineering from the Pennsylvania State University and an MS in Physics and Materials Science from Stevens Institute of Technology. With work in various collections around the globe, Kosinski pushes the boundaries of her materials to convey strong narratives. There is intentionality when it comes to the relationship between form and function with her ceramics.

Living on a small horse farm in Hunterdon County, sculptor Shawn Campbell usually starts her piece from a word. “For example, I draw inspiration from words like baggage and fracture, intuitively working with wet clay, forms appear, and the story develops,” says Campbell. Her passion and love for the interconnection between human form and nature are evident. Campbell’s sculptures are hand-built, primarily using thick coils, and fired two to four times, depending on the color and surface she is trying to achieve. Campbell says, “I approach color on the clay as a painter. I use a combination of oxides, slips, underglazes, glazes, wax, and cold finishes.” It is the form of the piece that informs her how she should approach the surface.

Annette Devitt’s love for fiber arts began early in life and forged a career with the Rutgers Cooperative Extension as a County 4-H Agent. As a member of the Third Star Fiber Artists Guild, Annette practiced her craft and learned to spin wool fiber into yarn. Today, she owns and operates Home Coming Art Studio in Pennsville and is currently creating a series of scarves inspired by nature. Annette shares her passion as an educator, offering various classes in weaving, knitting, and crocheting.

Organizations like the Hammonton Art Center, Medford Arts Center, and Wheaton Arts are places to visit and shop for original gifts this holiday season. Each of these cultural organizations offers handcrafted original pieces. For example, Wheaton’s glass bead necklace is a fine example of intricate beadwork. The contrast between the fire orange and deep red glass beads against the textured silver spacers pays homage to the rich tradition of glass bead-making at Wheaton Arts. These are only a few of the thousands of talented artists who live in New Jersey. This holiday season, I encourage you to support their creativity and discover your passion as a patron of the arts. n

The Roaring 20s Are Back!

Atlantic City’s boisterous past came alive in a brilliant fundraising event with Bay Atlantic Symphony in September.

Boogie Nights Miss’d America Event After Party

The event featured live performances from the reigning Miss’d America Queen, Aria B. Cassadinea with a portion of the proceeds benefiting the Miss’d America Organization.

Golf Fore Kids Helps Open More Doors To Great Futures

The 15th annual Golf Fore Kids Tournament, held at the Atlantic City Country Club, brought together community leaders, sponsors, and golf enthusiasts, netting $70,000 for the Boys & Girls Club of Atlantic City.

a variety of wine and Italian specialties.

Photos by Tom Briglia/PhotoGraphics
Photos by Shaun Reilly Photography
Bruno’s Italian Market in Ventnor hosted an open house to sample
Bruno’s Italian Market Hosts Wine Event
Photos by Nick Valinote
Photos by Nick Valinote

End Of Summer Evening Networking Mixer

The Cape May County Chamber of Commerce joined forces with the Ocean City Regional Chamber of Commerce to co-host a mixer sponsored by Wiser Insurance and Atlantic Title Agency at The Point in Somers Point.

Atlantic City Community Fund Annual Reception 2025

Held in September at the Hard Rock Hotel & Casino Backstage Café to honor 2025 grantees, and the State of New Jersey for their unwavering support of Atlantic City and its many non-profits.

CRA Financial Hosts Customer Appreciation Event

CRA Financial hosted an intimate customer appreciation party at the new Sunrise Tequila Bar in Margate.

for its refined coastal fare.

Photos by Nick Valinote
Photos by Nick Valinote
The Epicurean Society of South Jersey gathered for its monthly dinner in September at Aroma Restaurant, Ventnor’s elegant seaside Italian restaurant known
Epicurean’s Gather At Aroma Restaurant
Photos by Nick Valinote
Photos by Nick Valinote

Crisis Response Canines Luncheon At Adelphia

Crisis Response Canines (CRC) hosted their 5th Annual First Responder and Healthcare Heroes Appreciation Luncheon at Adelphia in Deptford NJ.

Golden Nugget Hosts International Winefest

Kennedy Cellars poured some of their favorite wines for guests to sip and swirl at International Winefest held at the Golden Nugget in August.

New and returning

participated in

Photos by Nick Valinote
guests
the all-day event held at Blue Heron Pines Golf Club in September.
Hansen Foundation 2025 Annual Charity Golf Tournament
Photos by Nick Valinote
Normfest 2025 marked Norm Imber’s birthday with a culinary showcase from Nobil Catering in Margate.
Nobil Catering’s Norm Imber’s Birthday Bash
Photos by Nick Valinote
Photos by Nick Valinote

RNS Luncheon At Great Bay Country Club

The Ruth Newman Shapiro Cancer & Heart Fund (RNS) held its Annual Member Appreciation Luncheon at the Great Bay Country Club.

Benefit On The Bay Raises Awareness And Support For Student Mental Health

Neighbors, friends, alumni and advocates gathered at the home of Stockton University Foundation Board member Karen Alton for the Benefit on the Bay fundraiser.

Taittinger Champagne Dinner At Tennessee Avenue Beer Hall

Guests celebrated the end of summer in style with a refreshing 4-course pairing dinner featuring the timeless sparkle of Taittinger Champagne.

Photos by Vernon Ogrodnek
Photos by Nick Valinote
The “Rusty Nail” in Cape May hosted a yearly Doggie Pageant, not a traditional dog show, with the 2025 event taking place in September.
Rusty Nail Doggie Pageant
Photos by Nick Valinote
Photos by Nick Valinote

A MODERN FEAST

The way we celebrate the holidays may continue to evolve, but one thing remains the same — food brings us together. From centuriesold feasts to today’s effortless takeout spreads, holiday dining reflects both tradition and modern convenience. Whether your table is set for a few or a crowd, local favorites make it easy to enjoy the flavors of the season without spending hours in the kitchen.

HOLIDAY DINING HAS EVOLVED FROM HEARTH TO TAKEOUT

For hundreds of years, people have gathered to celebrate mid-winter feasts. Ancient peoples dined on basics like nuts and berries. The Romans celebrated with mulled wine and pork. By the Middle Ages, banquets touted roasted boar and swan. In more modern times, turkey and goose, along with plum pudding, mince pies, eggnog, and gingerbread cookies, became winter holiday food staples.

Regardless of the size of your family and what you happen to celebrate, holiday gatherings mean, “What should we have for dinner?” So, what’s right for holiday fare in 2025? Holidays, like most other aspects of our lives, continue to change. LED displays have replaced blow-up Santas. Electric menorahs glow in lieu of wax candles. And that Charles Dickens goose in the oven has been replaced by takeout possibilities ranging from cold cut platters to vegan stuffing.

Locally, holiday food options are plentiful, and you don’t even have to cook!

Locally, holiday food options are plentiful, and you don’t even have to cook! Let’s take a look at holiday spreads for your family that you can easily preorder for pickup or delivery.

From Soup to Nuts

Since many families have given up on the idea of slaving away in the kitchen, ordering full dinners is a phone call away. For example, Romanelli’s in Linwood offers a complete take-home dinner — from turkey and stuffing to pumpkin pie for dessert. Another takeout option to ease your holiday cooking woes is Shay’s at the Linwood Country Club — just call and order takeout options ranging from sandwiches to entrees — any day for lunch or dinner except on December 25th! If you want to create an appetizer table, The Roost at Harbor Pines offers several fun and easy bites, including Jalapeño Poppers, Garlic Pickle Flatbread, and Loaded Potato Skins.

If you prefer Italian fare, Barrels (Margate) can put on quite a pasta spread for 15 or more guests.

If you prefer Italian fare, Barrels in Margate can put on quite a pasta spread for 15 or more guests. For example, the Bronze package comes with salad, penne pasta, and a choice of an eggplant, chicken Marsala, or Norwegian salmon entree.

Untraditional Tradition

Move over, meat and potatoes! As is the case year-round, people have developed a more international palate. The popularity of Asian, Indian, and Latin foods for holiday gatherings is not a surprise. Having 10 people over on Christmas Day? No worries. Find a Chinese restaurant open on the holiday and order whatever your family enjoys — egg rolls, wonton soup, and more. Imperial Garden in Atlantic City usually stays open, as does Tsui’s in Ventnor. Yes, a fortune cookie is just a phone call away!

Another idea for a local untraditional table — one that makes life and clean up super easy — is subs. If you order ahead of time, you can get trays of these stuffed sandwiches preordered for your guests. Subs with some side dishes, and voila, you have a holiday meal. Easy peasy!

For the Sweet Tooth

Gone are the days of the dreaded jellied fruit cake and figgy pudding. Today, holiday tables offer more of an international array. Sweet bread Panettone cake from Italy, a French

Buche de Noel (AKA Chocolate Yule Log), and Israeli Sufganiya donuts — all international options to enhance your holiday table.

In addition, Christmas cookies are a must in a variety of shapes, sizes, and types — from Santas to Gingerbread men — store-bought cookies are very acceptable. There is no shame in not spending hours and hours in the kitchen covered in flour. Regardless of what the holiday celebration may be, chocolates are always a winner. Again, storebought brands decorated in holiday wrappers work well to enhance any table or candy dish. Locally, Jagielky’s (in Margate and Ventnor) homemade chocolates and candy will please any sweet tooth.

Note: Wherever you order your holiday fare, make sure to check the restaurant’s schedule. Many places are closed on December 25th, and some close early on Christmas Eve. Plan ahead! n

LIFESTYLE RECOMMENDED RESTAURANTS

Annata Wine Bar

216 Bellevue Avenue, Hammonton 609-704-9797 annatawinebar.com

Come in and enjoy Chef Matt’s locally sourced, farm-to-table ingredients paired with international or regional wines.

ByrdCage

3426 Atlantic Avenue, Atlantic City 609-348-CAGE byrdcageac.com

The ultimate destination for fabulous food, killer cocktails, and unforgettable vibes. Good energy and great beats.

Cafe 2825

2825 Atlantic Avenue, Atlantic City

609-344-6913 cafe2825.com

An Atlantic City gem rated on a national scale with tableside preparation makes this Italian restaurant a standout.

Capriccio Italian Restaurant

1122 Boardwalk, Atlantic City 609-340-6300 resortsac.com

Enjoy an Italian meal with excellent service, a mouthwatering menu, and spectacular views of Atlantic City.

Carmine’s

2801 Pacific Avenue, Atlantic City 609-572-9300 carminesnyc.com

The original NYC family-style restaurant serving exceptional Italian cuisine in abundant portions designed for sharing.

Chef Vola’s

111 S. Albion Place, Atlantic City

609-345-2022 chefvola.com

This James Beard Foundation-awarded restaurant has huge portions of food your grandmother would be proud of.

Cordivari’s Restaurant

3004 W. Brigantine Avenue, Brigantine 609-264-5909 cordivarisrestaurant.com

Chef Jim Cordivari takes pride in presenting many original family recipes that originated in Italy.

Cousins in Ocean City 104 Asbury Avenue, Ocean City 609-399-9462 cousinsocnj.com

A delightful spot where flavors mingle! Chef Bill McGinity serves food made with only the freshest ingredients to a loyal following.

Dougherty’s Steakhouse & Raw Bar 1122 Boardwalk, Atlantic City 609-340-6555 doughertyssteak.com

Dougherty’s Steakhouse allows steaks and chops to share the spotlight. Located in the historic Resorts Hotel & Casino.

Dock’s Oyster House

2405 Atlantic Avenue, Atlantic City 609-345-0092 docksoysterhouse.com

Dock’s continues to blend the classic oyster bar feel with upscale dining and maritime touches.

Isabella’s Ventnor Cafe

4 S. Portland Ave., Ventnor 609-822-2477 isabellasventnor.com

A local staple serving breakfast, lunch, and dinner, influenced by Chef Ibis Gonzalezes Mexican origins. BYOB.

Joe Italiano’s Maplewood

6126 Black Horse Pike, Mays Landing 609-625-1181 joesmaplewood.com

Maplewood is a legacy offering authentic Italian cuisine, freshly made pasta, and signature seafood creations.

Josie Kelly’s Public House 908 Shore Road, Somers Point 609-904-6485 josiekellys.com

Traditional Irish fare with modern classics. Brunch, lunch, dinner or a Guiness, the hospitality will make you smile.

Kelsey’s 1545 Pacific Avenue, Atlantic City 609-344-2200 kelseysac.com

A place where soulful tunes and comfort food collide! From chicken and waffles to finger licking good ribs.

Knife & Fork Inn

3600 Atlantic Avenue, Atlantic City 609-344-1133 knifeandforkinn.com

Over the past century, the Inn has led a long and colorful life making it an historically charged establishment in AC.

Lamberti’s Restaurant & Sunset Marina 9707 Amherst Avenue, Margate 609-541-6069 lambertisrestaurant.com

Combining Italian and Mediterranean flavors with an unforgettable waterfront experience, Lamberti’s will transport you.

LaScala’s Beach House 1400 Ocean Avenue, Brigantine 609-266-7731 lascalabeachhouse.com

Your home away from home for Italian American with an ocean twist that you can’t get enough of.

The Nizam’s 6725 US-40, Egg Harbor Township 609-677-8829 thenizams.com

A fine-dining experience with an assortment of traditional food from India made with authentic herbs and spices.

The Pier House at La Mer 1317 Beach Avenue, Cape May 609-770-4810 capemaylamer.com

Flavorful cuisine, locally sourced from local farms, creating a unique dining experience based on classic shore cuisine.

Queen Jayne’s

264 New Road, Somers Point 609-601-8463 queenjaynes.com

An elevated cocktail destination where every sip is a crafted experience. Enjoy small bites and cocktails with a chic vibe.

The Roost Pub & Grill

500 St. Andrews Drive, Egg Harbor Twp. 609-927-0006 harborpines.com

Serving freshly prepared food such as sliders, wings, flatbreads, chili lime shrimp kabobs and stuffed tater tots.

Shay’s Bar & Restaurant

500 Shore Road, Linwood 609-927-6134 shayslcc.com

Linwood Country Club’s newest dining concept. All-day menu features salads, sandwiches, flatbreads and entrees.

Smithville Inn

1 N. New York Road, Smithville 609-652-7777 historicsmithville.com

Enjoy scenic view dining areas, private dining rooms with fireplace, and formal banquet and wedding facilities.

Tomatoe’s

9300 Amherst Avenue, Margate 609-822-7535 tomatoesofmargate.com

Situated along the downbeach Margate Bayfront, the eclectic menu and lively bar scene are eclipsed by beautiful sunsets.

HELPING YOUR KIDS BUY THEIR FIRST HOME

For many parents in New Jersey, helping their adult children buy a first home feels like the ultimate act of love. With home prices and mortgage rates higher than they’ve been in years, many young buyers find themselves priced out of the market. It’s no surprise that family assistance has become a key part of homeownership. According to the National Association of Realtors, about 38% of first-time buyers received a financial gift or loan from relatives in the past year.

But while generosity is admirable, it’s essential to be smart about how you give. The right approach can help your child get settled and build equity without jeopardizing your own retirement or triggering unnecessary taxes.

1. Decide Whether It’s a Gift or a Loan

The first question is whether you’re giving your child the money outright or expecting repayment. A gift is simple and emotionally clean, but it may have tax implications. In 2025, you can give up to $19,000 per person per year ($38,000 per couple) without filing a gift tax return. Larger gifts can be made beyond this, but you’ll need to file IRS Form 709 to track the gift against your lifetime exemption, which is currently $13.99 million per person.

If you prefer a loan, make it official. Put it in writing, set an interest rate at least equal to the IRS’s “Applicable Federal Rate,” and create a payment schedule. A properly documented family loan keeps expectations clear and prevents future misunderstandings.

2. Avoid Draining Your Retirement

Many parents instinctively look to their retirement accounts for liquidity, but that’s rarely wise. Withdrawals from IRAs or 401k’s are taxed as income and may trigger penalties if you’re under 59½. Worse, you’ll lose the future growth that those dollars would have earned.

Instead, consider using a taxable brokerage account or cash reserves. If most of your wealth is tied up in investments, it may be more beneficial to gift appreciated stock rather than cash. With this strategy, your child can sell the stock, and then they would pay capital gains tax at their tax rate. It is possible that their capital gains rate is lower, creating tax savings for the family.

3. Explore Creative Ways to Help

You don’t have to hand over a six-figure check to make a meaningful difference. Here are a few other ways to lend a hand:

• Co-sign the mortgage. This can help your child qualify for a better rate or higher amount, but remember: you’re legally responsible if they miss payments.

• Provide the down payment. Even a modest 5%–10% gift can reduce private mortgage insurance (PMI) and improve affordability.

• Help with closing costs or renovations. These smaller contributions can be just as valuable, without the same tax or liquidity strain.

• Buy together. In some cases, parents and children co-purchase a multi-unit property where the child lives in one unit and you, as the parent, rent out the other unit.

4. Keep It Fair — and in Writing

Money can complicate family relationships. If you have more than one child, talk openly about your intentions so others don’t feel slighted later. When larger amounts are involved, document everything. A written agreement can go a long way toward preserving harmony.

5. Think Beyond the Purchase

Helping your child buy a home is about more than money; it’s an opportunity to teach sound financial habits. Encourage them to build an emergency fund, understand the true costs of homeownership (maintenance, insurance, taxes), and teach them to stay within a reasonable debt-to-income ratio.

Generosity can be a wonderful legacy, but the goal is sustainability for generations. With thoughtful planning, you can help your children plant roots and build wealth, while keeping your own financial future secure. n

CRA Investment Committee

Matthew Reynolds, CPA, CFP®

Robert T. Martin, CFA, CFP®

Jeffrey Hilliard, CFP®, CRPC®

Phill Tompkins, CFP ®

Thomas Reynolds, CPA

Gordon Shearer, Jr., CFP®

Joseph McCaffrey, CFP®

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