Long Island Business Association

Exclusive Offer — Home & Real Estate

Retirement & Downsizing Strategy

Plan the next home around the rest of retirement.

Selling, downsizing or relocating in retirement changes housing costs, liquidity, taxes and estate plans at the same time. This program coordinates those decisions before the move.

Build My Retirement & Downsizing Plan

Choose Your Strategy

Choose the Strategy That Fits You

Choose a focused Core Strategy or a broader Expanded Strategy. One professional starts the conversation and coordinates warm introductions from there.

Core Strategy: A focused group of professionals most directly involved in your immediate goal.

Expanded Strategy: The Core Strategy plus additional professionals who provide a broader perspective.

Core Strategy

3 professionals

First determine what housing change makes sense within the retirement plan, then evaluate the real-estate and financing options available.

Your Strategy Team

  • Michael HartzmanMichael HartzmanFirst ContactRetirement & Financial PlanningThis professional starts the conversation and coordinates the next introductions.
  • Andrew RagusaAndrew RagusaHome Sale / Purchase / Downsizing Strategy
  • Warren GoldbergWarren GoldbergMortgage / Equity Strategy

Typical Introduction Flow

  1. Retirement & Financial Planning
  2. Home Sale / Purchase / Downsizing Strategy
  3. Mortgage / Equity Strategy

Expanded Strategy

5 professionals

Selected

Add tax, accounting and estate-planning perspectives to coordinate the move with the broader retirement plan.

Your Strategy Team

  • Michael HartzmanMichael HartzmanFirst ContactRetirement & Financial PlanningThis professional starts the conversation and coordinates the next introductions.
  • Andrew RagusaAndrew RagusaHome Sale / Purchase / Downsizing Strategy
  • Warren GoldbergWarren GoldbergMortgage / Equity Strategy
  • Joshua Kreitzman, CPAJoshua Kreitzman, CPATax & Accounting
  • Colleen M. Terry, Esq.Colleen M. Terry, Esq.Estate Planning

Typical Introduction Flow

  1. Retirement & Financial Planning
  2. Home Sale / Purchase / Downsizing Strategy
  3. Mortgage / Equity Strategy
  4. Tax & Accounting
  5. Estate Planning
1

One Conversation at a Time

You won’t receive calls from the entire team at once. Your designated First Contact starts the conversation and coordinates introductions as the other professionals become relevant.

Who This Is For

Is this program a fit?

Homeowners considering retirement, downsizing, relocation, or major changes to housing and liquidity.

Not every client will need every participating professional. You decide which perspectives are relevant to your situation.

What We Can Review Together

  • Home sale strategy
  • Purchase or downsizing strategy
  • Retirement planning
  • Mortgage and equity considerations
  • Tax considerations
  • Estate planning
  • Moving and storage
  • Insurance transition

How Your Team Works Together

A coordinated introduction, not a rush of calls.

A typical introduction sequence may look like this.

  1. First Contact

    Michael Hartzman

    Retirement & Financial Planning

  2. Introduction 2

    Andrew Ragusa

    Home Sale / Purchase / Downsizing Strategy

  3. Introduction 3

    Warren Goldberg

    Mortgage / Equity Strategy

  4. Introduction 4

    Joshua Kreitzman, CPA

    Tax & Accounting

  5. Introduction 5

    Colleen M. Terry, Esq.

    Estate Planning

Depending on your situation, some professionals may become involved earlier or work simultaneously.

Looking for Something More Specific?

Choose the Professionals You’d Like to Speak With

Already know what type of help you need? Select the LIBA professionals you’d like to hear from.

Additional Specialists are never included automatically. Select them here only when relevant to your situation.

Build My Retirement & Downsizing Plan

Send one inquiry — you do not need to contact each participating member individually.

You Selected:

Expanded Strategy

First Contact:

Michael Hartzman

Retirement & Financial Planning

Your Team:

Michael Hartzman
Andrew Ragusa
Warren Goldberg
Joshua Kreitzman, CPA
Colleen M. Terry, Esq.

Michael Hartzman will be your first point of contact. The other professionals will be introduced as their expertise becomes relevant. You will not receive separate calls from the entire team at once.

One Conversation at a Time — You won’t receive calls from an entire team at once. Your designated First Contact will start the conversation and coordinate introductions to the other professionals as their expertise becomes relevant.

By submitting this request, you agree that the LIBA professionals included in your selected strategy may receive your inquiry and that the designated First Contact may contact you.

The professionals you selected are independent, and you are not required to hire or use any participating professional. See our Privacy Policy.

Participating LIBA members are independent professionals and businesses. No referral compensation is exchanged between participating members. Clients remain free to choose any professional or service provider and are not required to use every participating service.