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SJM_ATE_2_25_Reg3and4 . qxp_Pages 2 / 20 / 25 4 : 40 PM Page 1 SPECIAL ADVERTISING SECTION ask the expert questions and answers PLASTIC SURGERY FINANCES ATTORNEY What is Ozempic face and how do I fix What does the Eagles Super Bowl Can I still work to earn income while it ? victory tell you about protecting your applying / waiting for approval on a Ozempic is primarily used to treat Type 2 asset allocation ? claim for Social Security disability ? diabetes and , more recently , for weight man - Themajor key to “ our Eagles ” victory was their This is one of the most common questions we agement . However , in some cases , the loss of outstandingdefense , which allowed the of - are asked and , although you CAN apply for dis - fat from the face can cause aesthetic changes , fenseto “ do its thing . ” But the defense was ability benefits while still working , if you con - leading to a gaunt or older appearance . thekey . tinue to work at substantial levels , while ap - The term “ Ozempic face ” has gained Aswe look to today’s economic and politi - plying for disability / waiting for a decision on attention due to reports from users who calenvironment , and the world at large , we your disability claim , then your application for experience this issue after using the drug for shouldconsider making sure we have good disability benefits will likely be denied . weight loss . This is because as the body loses defensivepositions in place . When considering whether your work is a weight quickly , not only does fat from the Formany months now we have been ad - bar to benefits , the Social Security Administra - body decrease , but fat stores in the face are vocatingyou should always hope for the best , tion ( SSA ) looks at your " substantial gainful ac - also affected . but protect yourself for the worst . People are tivity ” ( SGA ) when determining your eligibility To address Ozempic face , several alwaysrequesting a second opinion on most for benefits . SGA is the average amount of approaches are available : majoritems monthlyincome you are allowed to make and they consider acquiring — maybe 1 . Dermal Fillers / Fat Grafting : These still be considered eligible for disability . The it’s time to get a second opinion on your cur - injectable treatments restore volume to the amount is negligible and varies year to year rentasset allocations . face , particularly in areas like the cheeks and What’syour game plan for maximizing ( $ 1,620before taxes in 2025 ) . So , essentially , under - eye area , creating a fuller , more yourgrowth in your assets ? Are your goals youCAN work to help offset financial difficul - youthful appearance . and risk tolerance the same today as when ties , but not in a job that pays an average 2 . MyEllevate : This non - surgical facelift youacquired what you own ? Many people grossmonthly amount over the SGA level set technique uses sutures to lift and contour onlyguess — leaving little mystery why so forthe year by the SSA . the neck and jawline , effectively addressing manyare unable to reach retirement and un - Inorder to be eligible for Social Security sagging without the need for incisions . ableto maintain their standard of living . Don’t disabilitybenefits , you have to prove that you 3 . Microneedling : A procedure that beone of those people . Don’t jeopardize your willbe out of work ( due to your disability ) for creates tiny micro - injuries in the skin to stim - futureby guessing — getting the details on atleast 12 months . If you are still working ulate collagen production , improving skin yourcurrent asset allocation could move to be whilegoing through the process of applying / texture , tightening , and reducing fine lines . agreat decision and have a lasting impact on beingapproved for disability benefits , then the 4 . Renuvion : This treatment combines youand your family . governmentsees that your disabilities are not radiofrequency and helium plasma energy to Thanksfor taking time to read this . As al - stoppingyou from earning income , and will tighten skin , making it ideal for areas like the ways , let us know how and when we can be of denyyour claim . neck and lower face that have lost firmness . help . If you’re concerned about Ozempic face , it’s important to consult a board certified plastic surgeon for guidance tailored to your needs . Metropolitan Plastic Surgery The SHM Financial Group Bross & Frankel , P.A . and Med Spa Stan and Lee Molotsky Richard Frankel Dr . Julia Spears Creating financial security for clients 725 Kenilworth Ave . 127 Church Road , Suite 100 since 1958 Cherry Hill , NJ 08002 Marlton , NJ 08053 1010 Haddonfield Berlin Road , Suite 305 ( 856 ) 795 - 8880 ( 856 ) 345 - 2240 Voorhees , NJ 08043 BrossFrankel.com MetropolitanPlastics.com ( 856 ) 454 - 5110 | ( 800 ) 666 - 3974 SHMFinancial.com SOUTH JERSEY MAGAZINE volume 21 issue 11 SouthJerseyMagazine.com 38 |

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SJM_ATE_2_25_Reg3and4 . qxp_Pages 2 / 20 / 25 1 : 31 PM Page 2 SPECIAL ADVERTISING SECTION ask the expert questions and answers ATTORNEY REALTOR HOME IMPROVEMENT How Does the Divorce Process Work in With all the uncertainty swirling today , Everyone is talking about energy New Jersey ? where do you see the real estate mar - efficiency but what does that really In New Jersey , a divorce is initiated by filing a ketheading in 2025 ? mean and how does it impact your field Complaint with the Superior Court . After being That’s a great question . In my 35 years as a inRoofing and Windows ? served , your spouse will have 35 days to file full - time real estate agent , I’ve been through a Roofing and windows can greatly impact an Answer and Counterclaim . The first few of these cycles . And I spend my morning heating and comfort in your home . How much proceeding is a Case Management Conference coffee reading up with industry news both lo - heat enters and exits your home can directly where the Court will set forth deadlines for cally and nationally . Here’s how I see it . help or hurt your utility costs . Some say that a filings and discovery ( e.g . depositions , Overall , the national real estate market in new HVAC system can solve your energy effi - appraisals , etc . ) . If there are children involved , 2025 is expected to continue its growth , albeit ciency issues but that is not the only solution the Judge will generally refer the parties to at a slightly slower pace compared to 2024 . your home needs . custody and parenting time mediation through Camden County , NJ , is also projected to experi - Aside from protecting your home from the Court . ence more moderate price increases and im - water and wind , a proper roof can reduce heat Thereafter , the parties will engage in a proved housing inventory . Median home transfer , keeping your house warmer in the period of discovery by exchanging necessary prices were up about 15 % in 2024 , and you can winter and cooler in the summer . When we documents and information . The parties are expect that to grow by 2 to 4 % in 2025 . Mort - look at your roof , we also check to make sure free to negotiate and attempt to settle the gage rates are anticipated to stabilize , likely there is the correct attic ventilation and insula - case at any time during this process . ranging from 6 % to 7 % . While buyers long for tion . Once discovery is complete , the parties the days of 3 % mortgage rates , they will settle Likewise , windows are another area that will attend a Matrimonial Early Settlement into the fact that this is the new norm . can really help reduce costs and increase com - Panel Outside of the supply and demand princi - where two experienced , neutral fort in your home . Nowadays , we look to see attorneys will make a recommendation as to ple , there are some external factors that could not just the age of the windows but their en - how to settle the financial issues of the case . affect the housing market in 2025 . Economic ergy rating . This helps determine if your win - If the parties are still unable to reach an agree - conditions such as employment rates , wage dows should be replaced or not . Many win - ment , the Court will likely refer the parties to growth , and government policies including tax dows from the late - 90s are starting to break economic mediation with a private mediator . incentives , subsidies , and regulations can ei - down , especially in the sash . We check to see If after negotiation and mediation , the ther encourage or hinder real estate invest - if that has occurred . Aesthetically , windows matter remains unresolved , ultimately , the ment and development . Population growth , can be changed , often at a minimal cost , to al - Court will schedule a trial to decide any issues migration patterns , and generational shifts low for more natural light and direct a better that remain in dispute . Due to the time and ( e.g . , Millennials entering the housing market ) flow throughout your home , while reducing expense associated with extended litigation , play a role in shaping demand . your utility costs . the vast majority of cases are resolved by way In conclusion , if you’re thinking of making FrankRedrow is the Vice - President of Daniel a move this spring , RobertRemodeling . With 25 years of industry ex - of settlement . don’t delay . Now is the perience , he specializes in Exterior best time to buy or sell your home . Home Renova - tions and is a licensed contractor servicing the South Jersey region . Florio Perrucci Steinhardt Cappelli & Michael “ Mike ” Dinella Daniel Robert Remodeling Tipton LLC Coldwell Banker Realty Frank Redrow Brian Budic , Partner 20 Kings Highway West Serving South Jersey 1010 Kings Highway South Haddonfield , NJ 08033 ( 833 ) 326 - 4350 Building 1 , 2nd Floor 325 Chestnut St , Suite 1300 DanielRobertremodeling.com Cherry Hill , NJ 08034 Philadelphia , PA ( 856 ) 628 - 8377 ( 609 ) 405 - 6300 FlorioLaw.com MikeDinella.com SOUTH JERSEY MAGAZINE volume 21 issue 11 SouthJerseyMagazine.com | 39

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