SOPHIA FRANCO

Two men sit at the end of a dock, fishing alongside each other. One catches plenty of fish; the other guy’s line stays empty all day. “What are you using as bait,” the first guy asks, while admiring his fresh bucket of fish. “Me, I got my favorite cherries from the fruit store. I don’t know why the fish aren’t biting.
What are you using?”
“Me? Worms, of course. You may like cherries, my friend, but fish, they like worms.
If you want the fish to bite, you have to give them what they like—not what you like.”

Following King Solomon’s direction, we learn that we are responsible to teach each child according to their own way. In Hebrew, חufrsנhpוkg rgbkךlubj – Chanoch l’naer al pi darco. Thirty years ago, the options for a child having speech delays, focusing issues, or organizational problems were practically non-existent. There were special schools, but they were for the severely disabled. There were early childhood programs for delayed toddlers, but the children aged out before kindergarten started. There were middle school programs, but they began in the fourth grade. For an otherwise “normal” five or six-year-old who needed some extra attention or a more personalized education, there was nowhere to turn.When Claude and Jack Setton found themselves in the midst of this search, the year was 1993. Armed with the determination only a parent can muster, an exceptional speech therapist who was willing to run the program, and a son who needed a school of his own, Gesher Yehuda (GY) was born.

In a warm and loving environment, GY, located on Avenue T in Brooklyn, introduced small classes, individualized attention, and a curriculum tailored with ingenuity and flexibility towards each student. Age appropriate skills and Jewish heritage are emphasized. Professionals identify and use students’ strengths to expand knowledge and confidence. Claude Setton remembers, “That first year we had just six students and Vivian Stok in charge, who was the most incredible principal for 20 years. By year two, there were 18 kids, and by year three, 36. Our son attended the school for only two years. When he began kindergarten, he was unfocused and distracted, and tested in the bottom ten percentile. When he left 24 months later to attend the Yeshivah of Flatbush 2nd grade, he tested in the 98th percentile. That is not a typo. He never needed a tutor or resource room. He went on to win awards, get a scholarship to an honors college program, to marry and have beautiful children. I often ask myself how this is possible. Maybe Hashem put us where we needed to be to make this school a reality. Maybe he just needed to learn how to learn. Maybe, just maybe, miracles happen here.”

Today, Gesher Yehuda offers a loving and empowering atmosphere to almost a hundred students each year. Graduates thrive, just like Claude’s son did. They go on to attend mainstream high schools and colleges, they get jobs, run companies, marry and give back to the community who supported them when they needed it most. Make no mistake. This is by no means a “special needs school.” This is a school for children with learning challenges. Jack and Claude Setton are steadfast, and still involved in every decision and every giant step, each move a “thank you” for what the school did for their family.

Jack recalls, “When we went out looking for a school for our son, the options were horrific. When I saw the impact Gesher made on my child—in just two years—I knew this was important. We want these kids to reach their greatest potential. Joe Beyda A”H explained it to me. He said that it’s not the kids that have disabilities, it’s us. The kids are just challenging us to teach them differently.”

A FRESH OUTLOOK

Eileen Sutton, a longtime trustee, has always been very involved in the school, and is also a grandmother of two of the graduates. She explains, “What is the child’s future if they don’t have the right education? Grandparents have wisdom and retrospect that some young parents don’t have. The parent may think that by sending their child to another school they are erasing a stigma, but I can tell you from experience that at GY, it is the exact opposite experience. Dealing with the problem when the child is young is easier and far smarter than dealing with the exponential problems that happen later. Instead of the child feeling outcast with teachers and students that can’t cope with them, here the child is receiving the unconditional love and support of both their parents and their educational team. These kids are fully capable of learning and being on grade level but often suffer through school, and they are paying the price. Sometimes they are labeled uncooperative, mischievous or bad kids, but they are often living with ailments the parents are just not addressing.”

Eileen continues, “I was helping a family who had a baby born with multiple challenges and delays. I met her when she was four years old. I said to her father, ‘She’s ‘lucky to have you as parents.’ He answered, ‘no, we are lucky to have her.’ This child is thriving because her parents gave her that message, over and over again, not with words but with actions. When she came home from school and told her father she made a friend, he cried. He showed his love by giving her the right education. GY teaches by ability not by age. The teachers develop unique programs for each child, whether for cognitive, attention, language, or developmental deficiencies. The kids are thriving, Baruch Hashem! Yes, they think differently, and sometimes lack the filter we all use to protect ourselves, but later in life this out of the box method of problem solving can become an asset, and a fresh eyed approach to a better life.”

THE SCHOOL

Almost 30 years old, Gesher Yehuda is at the forefront of proactive education. Its innovative, customized curriculum makes the students feel comfortable in their own skin, and gives the kids a chance to grow at their own pace, filling their toolbox with the instruments that are vital for their future. Creating this safe educational environment without sacrificing community values and traditions is the key for these kids, helping them to discover and grow their talents and capabilities. GY helps kids develop pride and confidence. More often than not, the kids are integrated into mainstream schools, and graduates go on to lead emotionally and academically healthy lives.

Jack Setton continues, “In 2008, Frieda Tawil, from the Sephardic Community Center and longtime Gesher Board Member, brought the Minister of Jewish Cultural Affairs from France to us because they wanted to improve upon their educational system. The French were dealing with a huge problem; when a child fell behind in school they would be placed in remedial school. The kids from the yeshivahs were ending up in public schools, and getting beat up by the Muslim students. The minister was in tears, but followed our lead, and implemented a similar program. They were so grateful, saying that talking with us was one of the most productive parts of their trip. We helped out a lot of schools around the country over the years, including yeshivahs from LA and Chicago that learned from our concept, curriculum, and syllabus. We are at the forefront of education, setting an example that communities all over the world can follow.”

Rebecca Harary, now President of Gesher, explains, “In Hebrew, Gesher means bridge—and that’s what we do. Through the customized curriculum, over time, we can bridge the learning gap and place the child back into a mainstream school on grade level. In our program the children become confident and empowered. They celebrate life, and approach their futures filled with love and self-esteem.”

THE HIGH SCHOOL

ack Setton continues, “In the beginning, I never imagined a high school. I never imagined that the need that was out there, but Joseph Beyda A”H, did. He recognized that kids who could not survive in our community schools were choosing York, Bay Ridge Prep, or other public high schools without religious background. He always had vision, and we followed his lead.”

In 2008, Yeshivah Prep High School was founded by Gesher Board Member Rebecca Harary, who established an association with Yeshivah of Flatbush High School.

Rabbi Sion Setton, principal, explains, “Our students receive a meaningful and differentiated education in a small class setting while joining the greater student body at YOF for prayers, extracurricular activities, seminars, and more. Yeshivah Prep students go on to continue their education in Kingsborough, Baruch, Binghamton, Brooklyn College, and even Israel. Additionally, they lead successful and spiritual lives both personally and professionally, with careers spanning the gamut from business to real estate, journalism, health care, culinary, cosmetology, and more. Our students are giving back to the community, and it’s beautiful. Being able to place your child in the most supportive environment, socially, emotionally and academically provides for the brightest future.”

THE MINDSET

Rabbi Eli Mansour, our Rosh Yeshiva has been working with Gesher for over 20 years. He explains, “Over the years you come to realize that individualized education is not something you dabble in. It’s intricate and complicated, and a full-time commitment to the quality of life of these amazing children. We’re dealing with a different type of child, so it’s a different approach. Gesher, which means bridge, is indeed the educational bridge that these children need to ultimately attend mainstream schools. Our teachers are extremely talented and hands on. The building is magnificent, and expanding. They’re doing an amazing job, and honestly, it’s a fact that if you don’t give the child what they need when they are young, you’ll be dealing with it forever. We’re so proud of every single graduate.”

Mrs. Deborah Katz, GY’s principal believes that any good school focuses on the basics, reading, writing and math, but at Gesher they are doing more, teaching organizational skills and responsibility, taking good midot and kindness to others seriously. Even with learning issues, students are taught to be proud of themselves, and that is the key. Dr. Eugene Miller, executive director, explains further, “What Gesher strives to do is to provide the best education for the children who need it. What we give a child is the ability to say ‘yes I can’. And if they say ‘yes I can,’ then they will. The classroom becomes kind of a magic place when you have the right therapeutic staff, and the children can blossom in ways a parent never imagined.”

THE ALUMNI

Joseph Sutton, Eileen’s grandson and Hofstra graduate, attended GY for 6th, 7th and 8th grades. On behalf of the school, Joseph spoke recently at Hathaway Shul, recalling his experience and the path they helped him forge. He said, “The brochure has all the buzzwords: i.e., small classrooms, individualized attention, certified special education teachers and occupational therapists, but in order to appreciate the school, you must first understand the student. He is born different, with a set of challenges that makes learning in a classroom more difficult, and society reminds him of this every other day. When he’s home he’s mocked by his siblings, either for taking medication in the morning, or because his mom has to talk to him at a slower pace. On Saturday his friends hide while he seeks, and they ultimately ditch him. And nobody at the Shabbat table pays attention when he speaks; ‘Tell me privately after dinner,’ his father would say. All of these little comments have a big impact, and by the time he gets to school Monday morning, his confidence is shot, and his self-esteem is reduced to zero.

“The teachers at GY know this, and it bothers them. They think about it on their drive-in, and race into the classroom Monday morning armed with an individual curriculum designed to focus on the child’s strengths instead of his weaknesses. Drawing organic confidence and building back self-respect, they use that momentum to help him retain other subjects. That’s their approach—developing—not teaching. They are able to have this approach because they know these kids, their parents, the shul they go to, the friends they want to have, and the friends they need to have. That’s why they put so much energy into the development of each student, not just so they get good grades, but so they get a job right out of college, find a spouse, and build a family.

“My problem wasn’t learning—I was actually an early bloomer, but when it came to organization I was lost and overwhelmed, and was often falling behind. In Gesher I got a clean slate. No one knew me, or who my parents were. I was in a class with ten kids, and they were just, nice. There was no crowd to chase; I could just be myself. My experience is not about what they did, it’s the environment they created. My teachers knew how and when to help me, teach me, and poke fun at me. Seeing them break from teaching and level with me and my friends in the classroom helped boost my confidence. They understood that if a kid doesn’t respond there are deeper issues that have to be solved. Their mindset was—you can’t take the car where you want to go if the engine isn’t even on.

“Not exactly ‘peaking’ socially, I sought out a new opportunity for the summer before 10th grade. Since I was a little kid with a globe in my room, I always wanted to travel. I found a summer travel camp and even though I didn’t know a single person there, I decided to go. I arrived at the airport and was shaking. It suddenly hit me that I had committed to six weeks with these kids. I closed my eyes and channeled my experience at Gesher when I entered a new environment with a clean slate. I decided to push through with this philosophy and quickly made friends with every camper before the plane took off. I learned a lesson at that moment that has stayed with me ever since. Be yourself and keep pushing, and whoever follows along, follows along. If you’re comfortable being who you are and things don’t go your way, you learn that it’s not you—its them.”

Joseph opened his speech with a quote, first coined by the director of marketing for Craftsman tools, “People don’t buy drills, they buy holes.” The message is to focus on the results. Gesher focuses on the results, and because of this foundation their graduates are able to thrive well after graduation.

THE FUTURE

Michael Cayre, along with Gesher Vice President Alan M. Maleh, and so many generous community donors are spearheading a capital campaign to meet the demanding needs of our community. Rebecca Harary said, “Looking forward, we want to service these kids in the best way possible, so we are excited to be expanding and enhancing Gesher to encompass an entire city block. Our plans include doubling the total number of available classrooms, building a state-of-the-art therapy center, auditorium, lunchroom, computer room, and Beit HaMidrash. We are adding an early childhood learning center, and additionally, an enclosed rooftop playground. There will be an experiential learning kitchen, science room, woodworking room, and student library. All of this excellence will be paired with our commitment to the pure principles of our heritage, avoiding the negative messages present in so many non-community schools. With positive reinforcement we hope to help our students to succeed across all aspects of their lives.”

Gesher Yehuda believes in breaking down the obstacles that stand between students achieving their fullest potential. Every child deserves that opportunity, and GY is the best at their game. With the new building and services, those opportunities will grow exponentially. Gesher administrators help parents with the evaluation process, from the application language, to DOE meetings. They inform parents of deadlines, and develop payment plans to suit their needs. They become a partner with both parent and child, the whole way through. Children are like sponges. Whatever effort you put in, you surely get out.

Claude Setton concludes, “We owe this community so much for always stepping up to support the children of Gesher. There are so many people to thank, from the amazing women who worked tirelessly at our bake sales to our incredible donors and all the amazing people who served on our board all these years. This school is magical. The kids come in insecure, with their heads down, and walk out like shining stars. I know that G-d is watching over us.” Jack, resolute all these years, continues, “When we started this, we had no idea how it was going to grow and blossom. You do the work, and you never know who is going to reap the benefits in the end. What always struck me is our community’s willingness to help all the kids. Kol echad, b’lev echad. (We are all together, with one heart.)”

THROUGH THE YEARS

Sophia Franco, 54, is a mom and grandmother who has been feeding her love of reading and writing for as long as she can remember through poetry, community journalism, and songwriting. She has written many songs with Yaakov Shwekey but the first, I Can Be, has become an anthem for the Special Children’s Center and the community at large.

KEY FACTORS TO CONSIDER BEFORE TAKING THE LEAP

ARI BAUM, CFP®

RETIREMENT IS A MILESTONE THAT MANY LOOK FORWARD TO THROUGHOUT THEIR WORKING LIVES. THE PROMISE OF RELAXATION, TIME TO PURSUE HOBBIES, AND FREEDOM FROM THE DAILY GRIND IS ENTICING. HOWEVER, THE DECISION TO RETIRE IS COMPLEX AND MULTIFACETED.

While you might be financially ready, other factors, such as personal fulfillment, social connections, and mental health, play significant roles. So, you can retire, but should you? Let’s delve into the considerations that can help you make an informed decision.

Financial Readiness
The Bedrock of Retirement
The first step in considering retirement is assessing your financial readiness. This involves evaluating your savings, investments, pensions, and social security benefits to ensure you can maintain your desired lifestyle without a steady paycheck. Key questions to ask include:

Do you have enough savings? Financial experts often recommend having enough savings to replace 70 to 80% of your pre-retirement income. This cushion helps cover living expenses, healthcare, and unexpected costs.

What is your debt situation? Entering retirement with significant debt can be risky. Aim to pay off high-interest debts like credit cards and mortgages to reduce financial strain.

How will you manage healthcare costs? Healthcare is a major expense for retirees. Ensure you have adequate insurance coverage and consider long-term care insurance to protect against substantial medical expenses.

Calculating these factors can give you a clear picture of your financial health and readiness for retirement. Consulting with a financial advisor can also provide personalized insights and help you develop a sustainable retirement plan.

Emotional and Mental Preparedness
Retirement is not just a financial decision; it’s a significant life transition that affects your emotional and mental well-being. After decades of work, the sudden shift to a different routine can be jarring. Consider these aspects:

Purpose and Identity: Work often provides a sense of purpose and identity. Ask yourself how you will find meaning in your daily life without the structure and goals provided by a career. Volunteering, part-time work, or engaging in hobbies can help maintain a sense of purpose.

Social Connections: Workplaces are social environments where many people form lasting friendships. Retirement can sometimes lead to feelings of isolation if not addressed proactively. Plan to maintain and build social connections through community groups, clubs, or regular social activities.

Mental Stimulation: Keeping your mind active is crucial for mental health. Pursue activities that challenge your brain, such as learning new skills, reading, or engaging in intellectual discussions.

Reflecting on these aspects can help you prepare mentally and emotionally for retirement, ensuring a smoother transition.

Health Considerations
Your physical health is another critical factor in deciding whether to retire. While work can sometimes be stressful, it also keeps many people physically active and mentally engaged. Consider the following:

Current Health Status: Assess your current health and any ongoing medical issues. Retirement can provide more time to focus on health, but it’s important to ensure you have a plan for managing chronic conditions.

Lifestyle & Activity Level: Retirement offers the opportunity to adopt a healthier lifestyle, with more time for exercise, healthy eating, and relaxation. However, it’s essential to have a plan to stay active and avoid a sedentary lifestyle.

Healthcare Access: Ensure you have access to quality healthcare services, whether through Medicare, private insurance, or other means. Regular check-ups and preventive care become even more important in retirement.

Maintaining good health is vital for enjoying a fulfilling retirement. Prioritizing your well-being can make this phase of life more rewarding.

Personal Goals and Aspirations
Retirement can be an opportunity to pursue personal goals and aspirations that you might have set aside during your working years. Whether it’s traveling, starting a new hobby, or spending more time with family, having clear goals can provide direction and satisfaction. Consider:

Travel Plans: If you have dreams of traveling, retirement can be the perfect time. Plan your trips carefully to ensure they fit within your budget and health considerations.

Hobbies and Interests: Retirement offers a chance to delve into hobbies and interests you’ve been passionate about. This could be anything from gardening to painting to writing.

Family and Relationships: Spending more time with loved ones is often a primary motivation for retirement. Consider how you want to strengthen and nurture these relationships.

Having a vision for your retirement can make the transition more exciting and fulfilling.

Part-Time Work or Consulting
A Middle Ground
For some, transitioning from full-time work to complete retirement is too abrupt. Part-time work or consulting can provide a balanced approach, offering the best of both worlds:

Financial Benefits: Continued income can supplement your retirement savings, providing additional financial security.

Purpose and Engagement: Staying engaged in your field can help maintain a sense of purpose and keep your skills sharp.

Flexibility: Part-time work offers more flexibility than full-time employment, allowing you to enjoy retirement activities while staying professionally active.

Exploring part-time or consulting opportunities can ease the transition and provide ongoing benefits.

Making the Decision
Deciding to retire is deeply personal and depends on a combination of financial readiness, emotional preparedness, health considerations, and personal aspirations. Here are some steps to guide your decision:

Evaluate Your Finances: Conduct a thorough assessment of your financial situation, considering savings, investments, debts, and healthcare costs. Consult a financial advisor if needed.

Reflect on Your Goals: Think about what you want to achieve in retirement. Identify your passions, interests, and how you plan to spend your time.

Consider Your Health: Assess your current health and plan for maintaining an active and healthy lifestyle.

Plan for Social Connections: Ensure you have a plan to stay socially engaged and connected with friends and family.

Explore Flexible Work Options: If full retirement feels too sudden, consider part-time work or consulting to ease the transition.

Ultimately, the decision to retire should align with your financial security, personal goals, and overall well-being. By carefully considering these factors, you can make a choice that leads to a fulfilling and rewarding retirement.

The content is developed from sources believed to be providing accurate information. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This information is not intended to be a substitute for specific tax or legal advice. Consult with your financial professional regarding your specific situation.

Ari Baum, CFP® is the founder and CEO of Endurance Wealth Partners, with over 26 years of experience in the Financial Services industry. He brings his in-depth experience to Conceive. Believe. Achieve. for his clients.
Securities and Advisory services offered through Prospera Financial Services Inc. Member FINRA/SIPC. Brokerage and Advisory accounts carried by Wells Fargo Clearing Services, LLC.

THE SPECIAL CHILDREN’S CENTER BREAKFAST

SOPHIA FRANCO

IMAGINE A 21-YEAR-OLD GIRL, RUSHED INTO AN EMERGENCY C-SECTION, AS SHE GIVES BIRTH TO HER FIRST BABY. AFTER A DIFFICULT BIRTH, THE DOCTORS INSTRUCT THE MOM TO WATCH HER SON CAREFULLY. AT FIRST, SHE’S SURE NOTHING BAD WILL HAPPEN. EVERYTHING ALWAYS WENT SMOOTHLY FOR HER, AND SHE ALWAYS CONSIDERED HERSELF BLESSED. SHE GREW UP IN A HAPPY, SAFE, AND SHELTERED ENVIRONMENT. SHE AND HER HUSBAND WERE CHILDHOOD SWEETHEARTS. EVERYTHING WOULD BE FINE.

When her son was six months old, the mom knew something wasn’t right. The doctors told her that he wouldn’t be able to talk or have much cognitive ability. She was shocked, incredulous. She screamed and yelled, but it didn’t change anything. It didn’t make any sense.

When they calmed down, the couple made the decision to be extremely proactive, and it was intense. Their son was a happy and fun-loving child, but summers in Jersey were dreadful. There was no camp for him, and though the mom had heard of the Special Children’s Center, she had a stereotypical view of it, and could not picture her son there. She recalls, “The real strength would have been asking for help but I was not ready.”

Her sister, who had volunteered at Special Children’s Center for years, actually begged her to call for help, but the mom just wasn’t having it. “I was actually insulted that she thought he belonged there.”

Years passed, and the family struggled. The child never developed his speech, and wasn’t able to play functionally. “I was suffering silently,” the mom recalls, with tears in her eyes. “I remember watching other parents playing in the sand with their kids, or at the pool, or taking them to mini golf, or a restaurant. It was the little things in life I had started to appreciate. Nothing would ever be taken for granted again. I had that superhero mindset, but I was really exhausted.”

This is the hidden story of so many mothers of special children. Unfortunately, it is common. The moms are sure their child is not like the others. They are convinced he or she will improve with time and support, and they will “figure it out.” They buckle down, and decide that they will be strong, and go it alone, but they don’t have to. Jenine Shwekey and Chaya Bender have made sure of that over the last twenty years. To give mothers like her strength, Ruthie Terzi courageously chose to share her experience with her son Ronnie at the Special Children’s Center breakfast at Lisa and Lee Cohen’s home this past July. The morning was especially beautiful, but as Ruthie spoke, there was silence, and not a dry eye in the house.

“It wasn’t until Covid hit that my world turned upside down. I had three kids. Ronnie’s school had shut down indefinitely. He had started to change, and was becoming unmanageable. We would get that sweet happy boy a lot, but sometimes, we just couldn’t recognize him. He couldn’t tell us what he needed or wanted; he was frustrated, and we were frustrated.”

Ruthie knew she needed help very badly, but could not make the call. “It was Ronnie and me, 24/7. He wasn’t happy or stimulated, and he wasn’t getting the attention he needed. On top of it, another baby was on the way, and I was petrified. Everything I had done for him was falling apart. I needed to get my life under control.”

Sitting with Ronnie on her mom’s porch, in 90-degree heat in August, 2021, Ruthie decided, “There had to be more for this boy.” All these years she was too proud to call Special Children’s Center, but now, she was ready. “I remember Googling the number, and making the call. I spoke to a receptionist, introduced myself, and told them about Ronnie. The next day I went in for an intake.”

At this point in her story, you could actually see Ruthie calming down. You could actually hear her take a long-awaited breath. She was finally home.

Ruthie continued, “I walked into that Lakewood building for that first time, in awe. Wow, I thought. I saw so many different types of kids. Yes, some were in wheelchairs, some had Down syndrome, some were autistic, but so many were just like Ronnie. This place was a dream. The counselors were singing, dancing and laughing, with kids on their shoulders, going from one activity to the next. The kids were so happy. Ronnie would thrive here, I thought.”

Like so many mothers who finally allow themselves to receive the help they desperately need, Ruthie was in shock. She could not believe this place existed. She continued, “A second home for special children; state-of-the-art classrooms, jungle gym, lunchroom, pool, showers; they had everything and anything a boy could dream of. I remember Yentee, the director, explaining, ‘the Center has a program every single day until school starts, including Sundays. If there’s no program, we’ll send you someone, and if you ever need a break on Shabbat, we have a Center House.’ And then she added, ‘We’ll pick him up from Deal tomorrow.’ It was such a relief to not have to explain to someone what I needed, they just knew.”

For seven whole years Ruthie was lost in the dark. “Why did I wait so long to ask for help?” She cried. “I can’t believe I spent all those years burning myself out. I finally felt relief. As the parents of a special child, we don’t have the power to make life fair, but we do have the power to make life joyful. And that’s what the Special Children’s Center does.”

Ruthie explained that Ronnie went to the Center that morning on a bus full of Syrian kids, to a huge round of applause. “He went to pre-camp, and post-camp, like all the other kids, and attends every program offered. G-d bless, he’s a little world traveler now. The Center has taken him away the last three winter vacations, so that I could go away and enjoy my other three kids. He’s been with them on a Royal Caribbean cruise, he went to Disney World and Florida. This year we wanted to go away as a family for Passover. I would only be able to do it if his two counselors would come along. G-d bless them, angels that they are, we had an amazing trip. They are giving my son the best possible life, and that’s my vision for him.”

The Center’s love and attention for each child in their care does not end there. On the day of Ruthie’s son’s brit, she got a call from Jenine. Ruthie continued, “They wanted to take Ronnie to the Center House so that I could have time with the new baby. I was afraid that Ronnie was going to feel abandoned, but also knew he was in the best hands. I vividly remember looking at my husband after Shabbat dinner. I took a deep breath, and said ‘wow.’ The stress that they have taken off me was massive. Ronnie came home Sunday night showered, fed and had all his medicine, but most importantly he was happy. That was the first sleepover of many, many more to come. I had finally let go, and put my trust in someone else.”

The Special Children’s Center is a literal lifeline for these families. At the breakfast, you could feel the love. Yaakov Shwekey sang heartily with the children. Richie Dweck, strong leader that he is, described the true, authentic working farm at the Center and all its benefits, and the incredible renovation of the new Brooklyn location, explaining that all of this, while wonderful, needs constant funding. Harry Adjmi being Harry; roused and inspired the crowd; recognizing the goodness of so many people hard at work, and compelling, as always, each of us to stand tall in our commitments and in our support of a community that leans on each other. We are blessed.

Lee Cohen, host for the morning, explained, “I’ve heard about the SCC so many times, but when I went to visit the Lakewood campus, it was a defining moment. I thought there were 20 kids, maybe 40 kids — I had no idea. When I pulled up, I was shocked. It wasn’t just a small building with a few classrooms. It was a huge, magnificent campus. There were 500 children there! Kids were laughing outside with foam and bubbles, swarming us. ‘Can you sing like Yaakov Shwekey?’ I’d heard about Jenine and Chaya, but I didn’t understand. They are miracle workers! The kids were smiling, laughing, singing, swimming and having so much fun. It was incredible to see, and forever embodied in my mind.”

His wife Lisa added, “We were mesmerized. They got a 200-pound cake for my daughter Caroline’s birthday! My 23-year-old son fell in love with the kids, and can’t wait to have them over again. The Center is magical! Norma Cohen, running ten shows at once, created an enchanted day for us. Harry Adjmi, Elliot Tawil, Richie Dweck, Jenine and Chaya all brought their energy to our home and explained how much it meant for us to host. We were very blessed that they chose us, and blessed that we could do it. We are on a high!”

“Loving is giving, and giving is life.” I wrote these words for the song I Can Be more than ten years ago. Today, as I continue to learn and grow, and watch the community pouring out their love and support, I know that I was on the right track. G-d bless, we are so lucky. This community stands united and unwavering, and the Center wants to give back. Chaya Bender explained, “Last year, 7,000 people came to see Yaakov perform at the summer concert. This year, on August 27th, we are going to do it all over again, and even better! The special kids will be performing alongside Yaakov, and it will be a night of unity and strength for all this community stands for.”

Ruthie doesn’t look back on her life, only moves forward. She continued, “The harsh reality is that the goal of special needs kids is to keep them home as long as possible, because no one can give them more love than their parents. The Center makes that possible. Ronnie is a special child but he is our biggest blessing. He has taught my family to be kind and empathetic and grateful. We don’t complain or worry about the small things. We know what real problems look like. We don’t judge anyone or stare at anyone because we know how it feels when people do it to us. The Special Children’s Center is not an option. It is a necessity.”

Thank you to Norma Cohen and her daughter Lydia for their flawless execution and patience, Harry and Alice Adjmi, and Gayle Krost for their constant love and devotion, and especially to Ruthie Terzi. She is the face of every mother of a special child who has, or has not yet, walked through our doors. Thank you for your honesty, candor and bravery. It wasn’t easy to tell your story, and you did it with grace, elegance and courage. Bravo.

To volunteer or donate please visit ThecenterNJ.org or call (732)367-0099.

Sophia Franco is a community writer. Among essays, songs and biographies she also composed I Can Be, We are a Miracle and I Am Alive for Yaakov Shwekey.

SMART STRATEGIES FOR HEALTHCARE COSTS

ARI BAUM, CFP®

WHEN YOU THINK ABOUT RETIREMENT, YOU LIKELY PICTURE SANDY BEACHES, EXTENDED TIME WITH FAMILY, OR FINALLY WRITING THAT NOVEL. HOWEVER, BEYOND THE PEACEFUL HORIZON OF YOUR POST-WORK YEARS, THE DARK CLOUDS OF HEALTHCARE AND LONG-TERM CARE COSTS ARE GATHERING. MAPPING OUT THESE EXPENSES IS CRUCIAL TO ENSURE YOUR RETIREMENT REMAINS ON THE SMOOTHEST TRAJECTORY POSSIBLE.

Healthcare costs in retirement can be as unpredictable as the weather, with prices fluctuating and often spiking without warning. Medicare provides a basic level of protection, but it’s far from foolproof. From premiums to prescriptions, the costs can quickly accumulate, potentially derailing your financial plans.

Prescription drugs, particularly new ones without generic versions, are becoming increasingly expensive. This can lead to a coverage gap commonly known as the “donut hole,” where you’re forced to cover a significant portion of drug costs out of pocket. Planning for these expenses is essential to maintain your financial stability.

Long-Term Care: The Unexpected Stowaway
Long-term care costs are like an unexpected stowaway on your retirement voyage. Here’s a startling fact: about 70% of us will need some form of long-term care after age 65. Whether it’s help at home or full-time care in a facility, these services come with a hefty price tag that climbs each year.

Enlisting a Financial Professional
Your First Mate
Charting retirement waters alone can be daunting. That’s why teaming up with a financial professional isn’t just smart — it’s essential. Here’s why they’re your ideal first mate:

Custom Coordinates: Your financial journey is as unique as your fingerprint. A professional can draw a map that matches your specific health needs and financial landscape.

Medicare Mastery: They know the ins and outs of Medicare and supplemental plans. With their guidance, you can potentially avoid those costly out-of-pocket hits.

Funding The Journey: If you need strategies for financing long-term care, a financial professional will have a treasure chest of options, from insurance policies to investment strategies tailored just for this purpose.

Adjusting the Sails: The seas of retirement are ever-changing. A financial professional keeps a keen eye on the horizon for law changes and policy updates that can impact your path.

Ready Your Retirement Vessel
With a skilled financial professional as your navigator and a detailed plan as your map, you can confidently sail through the complex seas of healthcare and long-term care costs. This strategic preparation ensures you can relish your retirement, free from the turbulence of unforeseen expenses.

Smart Strategies for Healthcare Costs
Here are some specific strategies to help you master these stormy waters:

Understand Your Medicare Options: Medicare comes in multiple parts — Part A (hospital insurance), Part B (medical insurance), Part D (prescription drug coverage), and Medicare Advantage Plans (Part C). Each has different costs, coverage, and rules. Reviewing these options carefully and choosing the right combination can save you a significant amount of money.

Consider Supplemental Insurance: Medigap policies can help cover some of the costs that Medicare doesn’t, like copayments, coinsurance, and deductibles. Compare plans to find one that offers the best coverage for your needs.

Plan for Out-of-Pocket Costs: Even with Medicare and supplemental insurance, you’ll have out-of-pocket expenses. Creating a dedicated savings account for healthcare expenses can provide a cushion for unexpected costs.

Take Advantage of Health Savings Accounts (HSAs): If you have a high-deductible health plan, an HSA allows you to save pre-tax dollars for medical expenses. Funds roll over year to year and can be a valuable resource in retirement.

Explore Long-Term Care Insurance: Long-term care insurance can help cover the costs of services not typically covered by health insurance, Medicare, or Medicaid. Policies vary widely, so it’s essential to understand what is covered and the limitations of each plan.

Long-Term Care: Proactive Planning
Given the high likelihood of needing long-term care, proactive planning is essential. Here are some steps to consider:

Assess Your Needs Early: Determine the type of care you might need based on your health, family history, and lifestyle. This assessment can help you choose the right insurance coverage and savings plan.

Explore Different Insurance Options: Long-term care insurance can be expensive, but hybrid policies that combine life insurance with long-term care benefits might offer more value and flexibility.

Consider Alternatives: Besides insurance, other options like home equity, annuities, and retirement savings can help cover long-term care costs. A financial professional can help you identify the best mix of resources.

Anchors Aweigh
Retirement should be a time to enjoy the fruits of your labor, not worry about unforeseen expenses. By understanding your healthcare and long-term care needs, exploring your options, and enlisting the help of a financial professional, you can set sail with confidence. Reach out to a financial professional today to craft a retirement plan that’s as secure and personalized as your future deserves to be. Your best adventure awaits.

The content is developed from sources believed to be providing accurate information. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. This information is not intended to be a substitute for specific tax or legal advice. Consult with your financial professional regarding your specific situation.

Ari Baum, CFP® is the founder and CEO of Endurance Wealth Partners, with over 26 years of experience in the Financial Services industry. He brings his in-depth experience to Conceive. Believe. Achieve. for his clients.
Securities and Advisory services offered through Prospera Financial Services Inc. Member FINRA/SIPC. Brokerage and Advisory accounts carried by Wells Fargo Clearing Services, LLC.