Cellino Law - March 2021

Cellino Law - March 2021

March 2021 Advisor

CellinoLaw.com

A True Family Business

4 Generations of Lawyers, One Legacy Law Firm

When I was a young kid running around my parents’ New York home (the fourth of nine children, by the way), I had the unique experience of listening to my father and great uncle talk about the law. Without even realizing it was happening, I quickly fell in love with the idea of being a lawyer one day. My dad used to meet with clients at our house, and I would eavesdrop on their conversations, peeking around corners to catch a few words here and there. My dad seemed like such an important man to me back then; he was using all of his power to help people. I would watch clients come to the house upset because of their circumstances, and by the end of the meeting, they would leave with a new sense of confidence and relief due to the advice my father would bestow upon them. My great uncle, the first lawyer in our family, was born in Italy but grew up here in New York. When he decided he wanted to be a lawyer, he kicked off a four-generation tradition, leading to my father, then to me, and finally, to four of my six children. My father was a true testament to the value of hard work and dedication to his family. He graduated law school with three kids in tow at the time, taking classes during the day and working nights at Bethlehem Steel to support my mother and our family. In 1958, he made the decision to start the first Cellino law firm, Cellino & Likoudis. I joined my father’s firm in 1986 and, after a few years, was named partner of Cellino, Bernstein & Cellino, which soon became Cellino & Barnes. Now, 62 years following the first law firm to bear the Cellino name, I am proud to be at the helm of Cellino Law, which I hope will serve our community for generations to come. Cellino Law has grown a lot since its humble beginning in 1958, both in the number of lawyers we employ and the number of people we help, but it’s still a family business, and I’m so proud to run it and carry on my dad’s legacy.

the lunch hall in law school, starting his own law practice, making and maintaining lifelong friendships with colleagues, and enjoying practicing law before he retired at 59 to become a “full-time grandpa.” He would proudly brag to anyone who would listen about his 32 grandchildren and 11 great-grandchildren (and counting). My father was a very proud man who instilled upon me the importance of family. My wife, Anna Marie, and I are lucky enough to have six children (Samuel, Ross III, Jeanna, Annmarie, Timothy, and Brigitte) and eight grandchildren. You can say my wife and I carried on the tradition of law being a family affair since we met in law school and now four of our children are attorneys. Much like when I was young and watched my dad with his clients, when my children were school age, I used to practice my trial skills on them. I would recite my opening and closing arguments while I drove them to school each morning. They were surprisingly a good audience for me to practice because they would ask the simple questions that cut to the heart of the issue of the case. Although my children are now grown, I often experience déjà vu in the mornings as I now drive my grandchildren to the same school their parents attended, continuously prompting them with questions on the way, before I proceed down the familiar city streets to my office with the same excitement and energy to serve my clients.

My father passed away two years ago. During his later years, we would often hear my father reminisce about the “good ol’ times” — working in

I am proud that at home, I give 110% for my family, and at work, I give 110% for my clients. What can I say — it’s the Cellino way.

––––-Ross Cellino 800-555-5555 1

$2 Billion

Cellino has obtained millions in recoveries for clients and has supervised over $2 billion in settlements.

CellinoLaw.com

To outside observers — and probably quite a few people within — the world of investing is overwhelming. Nevertheless, common wisdom dictates that building investments, whether as part of a retirement plan or for other reasons, is an indisputably good thing, but it’s hard to figure out where to begin. Could micro-investing apps be a good place to start? What is a micro-investing app? Micro-investing apps, such as Acorns and Stash, allow users to invest small amounts of money in the market. Many of these apps will round up purchases made with a debit or credit card to the nearest dollar amount, then invest the difference in your portfolio. Other apps, like Clink, will encourage users to invest $1 per day. ARE MICRO- INVESTING APPS A GOOD WAY TO BUILD WEALTH? Examining the Pros and Cons

Spotlight on John Wright

Rochester Managing Attorney and U.S. Air Force Colonel

In addition to fighting for clients in the courtroom, Rochester’s Managing Attorney and Senior Trial Lawyer, John Wright, also fights for his country as a Colonel and Judge Advocate General (JAG) in the U.S. Air Force. Not to mention he’s a happily married father of three. If that seems like a lot of work, rest assured that hard work is in John’s blood. “I grew up in a very small town in rural America to parents — both parents — working two jobs to support and raise three boys,” John explains. “I quickly realized the meaning and value of hard work.” At age 12, John started working in the hayfields with his grandfather, and he continued working to put himself through college at Slippery Rock University and then law school at the State University of New York at Buffalo. It was after law school that John enlisted in the Air Force and began practicing law, which he’s now been doing for more than 20 years. His experience shows in the results he’s garnered — he’s helped recover nearly $75 million for his clients through trials and settlements. He’s also won many awards and honors over the years, including being named Litigator of the Year in 2020 by the American Academy of Attorneys and featured in New York state’s Super Lawyers magazine. “In all facets of my life, I’ve understood the importance of working hard and representing people who’ve experienced injustices and tragic loss,” he says. “I dedicate each and every day to fighting for people who are seriously injured and can’t fight for themselves.”

Pros Most investing apps are incredibly user-friendly and require very little oversight. They offer tutorials on how to invest, give users some basic knowledge of financial markets, and make it easy to view your portfolio. The cost of the initial deposit is usually very affordable too, with Acorns starting at $5, Clink starting at $1, and Stash starting at just 1 cent. On top of that, the subscription fees are also very affordable, usually only costing users a few dollars every month. Cons As affordable as those monthly fees are, they can easily lead to a less- than-favorable expense ratio. For example, say you invested $100 in a mutual fund with a 1% expense ratio, which would amount to a dollar per year. If you invest with Acorns or Stash, you’re paying at least $12 per year because of the flat $1 per month fee. That’s a 12% expense ratio, which is not great. And at the end of the day, micro-investing might be easy, but the fees and minimal investment amounts lead to mere micro-gains. So, if you’re looking for a way to familiarize yourself with the market and figure out how it works, micro-investment apps might be a good place to start. However, if you want to retire on your investments one day, then it might be best to invest somewhere that will net higher returns.

You don’t have to take our word for it, though. Just listen to what his clients have to say about him:

“John was my lawyer when my SUV was rear-ended, and I suffered a brain injury. He explained every step of the process, was compassionate, and actively advocated for my best interest against the insurance company’s lawyers.”

–Cynthia

“John is amazing. He was honest and straightforward right from the start. He has a professional charisma that gives you confidence that he will have your back and fight hard for you. If I ever need someone to represent me again in the future, it will be John and Sheri.”

–Colton

If you’ve been injured in an accident, let Cellino Law’s experienced lawyers like John Wright fight for you. Call us today at 800-555-5555.

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Johnson & Johnson talcum powder and Shower to Shower: advertised to generations as a symbol of purity. J&J specifically targeted women, stating, "For you, use every day to help feel soft, fresh, and comfortable" and "A sprinkle a day keeps odor away." However, J&J's familiar slogans failed to warn women that their asbestos-contaminated powders were linked to ovarian cancer, other gynecological tumors, and mesothelioma. Evidence shows that J&J knew internally of the cancer risk since the 1960s. In 1982, the first external epidemiological study of talc use on the female genital area found a 92% increased risk of ovarian cancer. In 1987, the World Health Organization's International Agency for Research on Cancer classified talc containing asbestos as a carcinogen. By 1993, the United States National Toxicology Program found talc to be carcinogenic without asbestos. In December 2018, Health Canada published >Page 1 Page 2 Page 3 Page 4

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