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Ask Rusty: Can My Husband Work Part Time and Collect SS?
Dear Rusty: I am writing to you on behalf of my husband. His intentions are to go part time as of Jan. 1, 2026, working 30 hours a week and take Social Security (SS) benefits as supplemental income. How can we determine what his SS benefit would be with him still working part time? He […]
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Dear Rusty: I am writing to you on behalf of my husband. His intentions are to go part time as of Jan. 1, 2026, working 30 hours a week and take Social Security (SS) benefits as supplemental income. How can we determine what his SS benefit would be with him still working part time? He will be 63 years and 7 months old next January and has not yet applied for benefits.
Signed: Anxious for Information
Dear Anxious: If he claims SS at age 63 and 7 months, your husband’s benefit will be about 78 percent of what it would be if he waited until age 67 to claim. And, since your husband will not yet have reached his SS full retirement age (FRA), he will be subject to Social Security’s Annual Earning Test (AET), which limits how much he can earn while working and collecting early Social Security retirement benefits. The amount he can earn without paying a penalty changes yearly but, for reference, the earnings limit for 2025 is $23,400 per year. If his work earnings exceed the annual limit, the Social Security Administration (SSA) will take away some of his benefits. Using the 2025 limit as an example, if your husband’s annual 2025 earnings were $40,000, then he would owe about $8,300 (half of the amount he exceeded the limit by). The SSA would withhold his monthly benefits for enough months to recover what he owes for exceeding the earnings limit (how many months it withholds would be determined by his monthly SS benefit amount).
FYI, the earnings test lasts until your husband reaches his full retirement age (his FRA is age 67), but in the year he attains his FRA the penalty for exceeding the limit is less — $1 for every $3 over the limit — and the limit is much higher. The annual earnings test no longer applies once your husband reaches his FRA.
When your husband applies for his SS retirement benefit, the SSA will ask about his work plans and how much he expects to earn each year. Based upon that information, if he expects to exceed the annual limit the SSA will pay his benefits for some months of the year (depending on his projected earnings) and withhold his benefits for the remaining months. It will also monitor his annual earnings as reported to the IRS and make any appropriate benefit adjustment afterwards.
If SS benefits are withheld because your husband exceeded the annual earnings limit, when he reaches his FRA of 67, the SSA will give him time-credit for all months that benefits were withheld. Essentially, it will advance his actual claim date by the number of months benefits were withheld, which will make his monthly benefit higher at his FRA. The higher amount he receives after reaching his FRA will help him recover some of the money withheld as a result of exceeding the earnings limit before his FRA.
Please note that it is always best to inform the SSA up front if your husband plans to work and earn (even part time) prior to reaching his FRA. The IRS will provide the SSA with your husband’s earnings information, and SSA will (if his projected earnings weren’t disclosed when he applied) issue an Overpayment Notice if he earns more than allowed. He will then be required to repay the SSA everything owed, or have his benefits withheld until the SSA recovers what he owes.
One final point: by claiming his benefits in January 2026, your husband’s monthly amount will be reduced by about 22 percent (from the amount he would get at his FRA of 67). Claiming early (before FRA) always results in a benefit reduction, whereas waiting longer than FRA to claim always results in a higher monthly amount (maximum benefit is reached at age 70).
Russell Gloor is a national Social Security advisor at the AMAC Foundation, the nonprofit arm of the Association of Mature American Citizens (AMAC). The 2.4-million-member AMAC says it is a senior advocacy organization. Send your questions to: ssadvisor@amacfoundation.org.
Author’s note: This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained, and accredited by the National Social Security Association (NSSA). The NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity.

OPINION: Modest Steps, Major Gaps in New York Legislative Session
As is often the case in New York state, a broken legislative process paired with misguided priorities yielded little of merit during this legislative session. It seems the 2025 session will likely be remembered more for an obvious lack of productivity and missed opportunities than anything else. New Yorkers deserve thoughtful action but were instead
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As is often the case in New York state, a broken legislative process paired with misguided priorities yielded little of merit during this legislative session. It seems the 2025 session will likely be remembered more for an obvious lack of productivity and missed opportunities than anything else. New Yorkers deserve thoughtful action but were instead met with political theater and half-measures.
The state legislature again failed to fix New York’s floundering economy and sky-high cost of living, and in many ways, the $254 billion budget passed earlier this year will add to, not mitigate, the substantial costs burdening taxpayers. While it was promising to see legislation enabling the state to improve our public-assistance programs (A.2497), a measure to allow individuals to register for the Donate Life Registry through personal income-tax electronic filings (A.7011-A) and the “Alexander John Smullen Traffic Safety Memorial Law,” which will establish a traffic safety sign program to memorialize the victims of fatal vehicle collisions, pass the legislature, not enough was done to truly make life better for our state’s residents.
We needed aggressive, targeted cost-reducing policies paired with a real plan to retain and add jobs in New York. This year’s agenda felt more like strategic procrastination than an honest effort to address the many issues plaguing taxpayers and residents.
New York has been on the wrong track for years. Residents continue to flee thanks to a toxic tax and business climate, we’ve committed to an unworkable and wildly expensive green-energy agenda that will make our grid less reliable, and our criminal-justice system remains broken and inadequate. What will it take for real progress? How much more expensive and dangerous is New York going to have to get before something is done?
I was deeply disappointed to see things like doctor-assisted suicide and the blatant manipulation of judicial-district composition take priority over the state’s affordability crisis. The recently passed collection of correctional-services legislation omitted critical fixes like ending the Humane Alternatives to Long-Term Solitary Confinement Act, and the voices of our front-line officers were practically ignored in the legislative process.
And despite resounding opposition from those it will impact most, school districts were only given the option to apply for a waiver that would delay the zero-emission school-bus mandate for up to four years, but the policy itself ultimately remains in place. These are huge failures.
The Assembly Minority Conference has proposed numerous fixes to the problems hitting New Yorkers the hardest, like creating a commission to identify wasteful spending and conducting a cost-benefit analysis of the state’s climate agenda — which were each ignored. We had bills to audit the Metropolitan Transportation Authority, require valid identification to ensure fair elections, and prohibit local governments from hindering immigration enforcement rebuked as well.
The fact is Gov. Kathy Hochul and her legislative allies again passed up the chance to address our state’s prohibitive cost of living, regulatory burdens, rampant antisemitism and unrealistic climate agenda. There was simply not enough substantive policy passed in the first half of 2025. It is too expensive to live in New York, and until the legislature and governor confront that reality head-on, I suspect more of the same in the coming months and years.
William (Will) A. Barclay, 56, Republican, is the New York Assembly minority leader and represents the 120th New York Assembly District, which encompasses all of Oswego County, as well as parts of Jefferson and Cayuga counties.

OPINION: The U.S. benefits from international students
More than 1.1 million international students are enrolled at American colleges and universities. They contribute greatly to our nation’s economic and intellectual well-being. Their presence confirms that our higher-education system is the envy of the world. It’s worrisome to see our leaders pursuing policies that will make it harder for international students to study here.
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More than 1.1 million international students are enrolled at American colleges and universities. They contribute greatly to our nation’s economic and intellectual well-being. Their presence confirms that our higher-education system is the envy of the world.
It’s worrisome to see our leaders pursuing policies that will make it harder for international students to study here. A crackdown on international students, including students from China, is profoundly misguided and will hurt our country.
With my office on a university campus, I see the vibrancy that international students contribute. Those I meet are serious about academics, engaged in their work, and eager to take part in civic life. They appreciate the education they’re getting and the opportunities that come with studying in the United States.
Nationally, 56 percent of international students are in the STEM fields, primarily math, computer science, and engineering. About half are graduate students, and many are engaged in research and teaching. According to the National Foundation for American Policy, a majority of U.S. graduate students in key technical subjects are international. Without them, our colleges couldn’t offer such an array of programs, especially in STEM.
International students contribute
$43.8 billion to the U.S. economy and support more than 378,000 jobs, according to NAFSA: Association of International Educators. In Indiana, where I live, nearly 30,000 international students add almost $1 billion to the state’s economy. Their spending props up the economy in college towns.
Many international students choose to stay and work in the U.S. after college, helping meet demands for skilled workers. Some become entrepreneurs and start businesses in emerging fields like artificial intelligence.
Their presence also benefits U.S. resident students, exposing them to the larger world. As the number of international students in the U.S. has increased, so has the number of American students studying abroad; it’s now nearly 300,000. These students find that international travel broadens our horizons and makes the world smaller.
Unfortunately, international education is in the crosshairs of Trump administration priorities, including opposition to immigration and targeting of elite colleges. This spring, the government began revoking visas for some students who had protested the war in Gaza. More recently, it has focused on China, the No. 2 source of international students after India. Secretary of State Marco Rubio, citing security concerns, said the U.S. would “aggressively revoke visas for Chinese students.”
It’s certainly important to protect ourselves from activities that might involve espionage or intellectual property theft, including in university research labs. But we shouldn’t overreact and forget the many benefits of international education.
Not that long ago, there were no Chinese students studying here. Then Chinese leader Deng Xiaoping proposed sending several thousand students to the U.S., and President Jimmy Carter welcomed the idea. The first group, 52 students, arrived in late 1978. Eventually, Chinese students became the most numerous international students on American campuses. Today, 277,000 Chinese students are about one-fourth of all international students in the U.S. As Li Yuan writes in the New York Times, “The United States gained access to a vast market and talent pool, while China found a model and a partner for transforming its economy.”
There’s no question that China does a lot of things that we don’t like, but U.S.-China relations improved dramatically from the era when Mao Zedong ruled a hostile and isolated China. College students were vital to that change.
And international students, not just from China but from many other countries, boost America’s standing in the world. As they study and travel in the U.S. and interact with other students, faculty and neighbors, they learn about our society and our system of government. When they return home, they take that understanding and appreciation back with them. That’s something we, as Americans, should welcome.
Lee Hamilton, 94, is a senior advisor for the Indiana University (IU) Center on Representative Government, distinguished scholar at the IU Hamilton Lugar School of Global and International Studies, and professor of practice at the IU O’Neill School of Public and Environmental Affairs. Hamilton, a Democrat, was a member of the U.S. House of Representatives for 34 years (1965-1999), representing a district in south-central Indiana.

Dot Transportation is hiring truck drivers in Liverpool
Training available at new school SALINA — Dot Transportation, Inc. (DTI) says it wants to hire more drivers, and at the same time, has also started an in-house, driver-training school at the company’s Liverpool distribution center in the town of Salina. DTI is
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SALINA — Dot Transportation, Inc. (DTI) says it wants to hire more drivers, and at the same time, has also started an in-house, driver-training school at the company’s Liverpool distribution center in the town of Salina.
DTI is looking to hire about 25 truck drivers in Liverpool in the coming months to meet “growing customer demand and support continued business growth,” the company said.
DTI is the affiliate trucking company of Dot Foods, which describes itself as North America’s largest food-industry redistributor.
Through DTI’s in-house driver training school, student drivers can earn their Class A commercial driver’s license (CDL) in 12 weeks, compared to the 16 to 18 weeks “typical of external programs,” DTI said in its announcement. Participants are paid $800 per week during training, with no out-of-pocket tuition. DTI covers the cost through a $1,500 prorated loan, which is “fully forgiven” after two years of employment.
“Our drivers keep this company running,” Sean Walsh, director of transportation at DTI, said in the announcement. “They’re out on the road making sure our customers get what they need. We’ve been fortunate to partner with great schools in all of our communities; a few years ago we opened our first in-house school at our Maryland facility to help us get qualified drivers into our training program sooner and set them on a clear path to a solid career with support from day one. It was a big success, and we’re excited to have that model in place here at our New York facility.”
The new driver-training program gives individuals an opportunity to earn their commercial driver’s license while starting a long-term career with the company, DTI added.
The training includes four weeks of classroom instruction and hands-on learning in DTI’s truck yards, where student drivers get familiar with company equipment and meet in-house support teams. That’s followed by eight weeks of over-the-road training alongside experienced DTI driver trainers. Graduates move directly into full-time driving roles with DTI.
“Our approach sets us apart from other driving training programs and companies,” said Adam Smith, general manager of Dot’s Liverpool distribution center, contended. “We believe the best way to set someone up for success is by putting them behind the wheel with a trainer who’s truly invested in their growth.”
In addition to paid training, DTI “offers one of the most competitive compensation packages in the industry,” the firm contends. The average DTI New York driver salary is $100,000, with first year Liverpool drivers averaging $86,000.
DTI also offers full-time drivers benefits that include pay for all job activities such as mileage, deliveries, pickups, layovers, and detention time. DTI additionally provides quarterly and annual bonuses; paid time off; health, dental, and vision coverage; a 401(k) with company match; short- and long-term disability; experience-based pay increases; and additional compensation for unloading freight.
DTI also contends flexibility is “one of the biggest benefits” of working as a company driver, as they can choose from several schedule options. DTI offers traditional regional schedules that get drivers home two days a week, along with four days on and four days off, or six days on and three off options. This scheduling “helps drivers balance work and life more easily, giving them more consistent time at home,” the company said.
DTI also offers both delivery and no-touch freight positions, depending on the driver’s preference.
Dot Foods was founded in 1960 by Robert and Dorothy Tracy in Mount Sterling, Illinois, and remains family-owned and operated. DTI employs more than 2,000 drivers across 13 U.S. distribution centers and 44 terminal locations nationwide, the company said.

Tompkins County Legislature appoints whole health commissioner
ITHACA — Tompkins County legislators, at their June 17 meeting, unanimously appointed Jennie Sutcliffe as the next whole health commissioner, effective July 7. Sutcliffe, a Trumansburg native, brings more than a decade of experience in public-health leadership, emergency preparedness, health policy, and cross-sector collaboration, according to an announcement on the Tompkins County government website. Since
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ITHACA — Tompkins County legislators, at their June 17 meeting, unanimously appointed Jennie Sutcliffe as the next whole health commissioner, effective July 7.
Sutcliffe, a Trumansburg native, brings more than a decade of experience in public-health leadership, emergency preparedness, health policy, and cross-sector collaboration, according to an announcement on the Tompkins County government website. Since 2018, she has served as a senior advisor in the Office of Emergency Preparedness and Response at the New York City Health Department. In that role, she led the strategic planning and implementation of the department’s Response Ready initiative and served in leadership positions during multiple public-health emergencies, including directing quarantine and isolation operations during the Mpox response and leading COVID-19 incident-command initiatives such as vaccine operations and personal protective equipment distribution.
Sutcliffe also served as a senior policy analyst in the NYC Health Department’s First Deputy Commissioner’s Office, where she influenced Medicaid and health-care policy and led multimillion-dollar pilot projects focused on social determinants of health.
Before that, Sutcliffe held positions in Chicago, Illinois, including health justice policy specialist at the Shriver Center on Poverty Law and Policy Analyst under Illinois Gov. Pat Quinn’s administration, focusing on Affordable Care Act and Medicaid implementation for justice-impacted populations.
“It is an honor and privilege to be offered the chance to lead such a talented and dedicated department. I grew up in Tompkins County and have spent my career in government and health, so stepping into this role is immensely exciting for me,” Sutcliffe said in the announcement. “Tompkins County is such a vibrant community, I’m looking forward to leading collaboratively with everyone at Whole Health to meet the mental and public health needs of our community.”
Tompkins County’s Public Health Department and Mental Health Services Department became Tompkins County Whole Health in 2023, following a strategic-planning process of integration that began in 2019. The whole health commissioner is charged with administrative oversight and leadership of both public health and mental-health services. The commissioner is responsible for advancing the department’s mission to build a healthy, equitable community in Tompkins County by addressing the root causes of health disparities and integrating mental, physical, and environmental health.

Hamilton College Justice Lab receives $350,000 foundation grant
CLINTON — Hamilton College’s Levitt Center Justice Lab recently received a $350,000 grant from the Winston Foundation to support the further development of this lab, a semester-long program in which students engage with public policy and intern within the local community. Students take a set of four parallel courses that combine academic and experiential learning
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CLINTON — Hamilton College’s Levitt Center Justice Lab recently received a $350,000 grant from the Winston Foundation to support the further development of this lab, a semester-long program in which students engage with public policy and intern within the local community.
Students take a set of four parallel courses that combine academic and experiential learning around the broad theme of justice. All instructors work together and provide students with an integrated, interdisciplinary understanding of the topic, Hamilton College said in an announcement. During each semester, students transition from classroom theory to real-world practice by interning with public defenders, district attorneys, specialized courts, researchers, and community and faith leaders.
Last semester, students addressed justice and technology with an emphasis on the ethical use of technology, its potential to promote a more just work, and the potential threats technology may pose. The fall 2024 semester focused on the root causes of youth gun violence in the local area. Other previous issues have included homelessness, human and civil rights, community building and social change, and immigration and asylum issues.
Next semester’s program will be built around the relationship between justice and renewable-energy transition from a local and global perspective, Hamilton College said.

Phelps Mansion Museum elects new board chair at year-end meeting
BINGHAMTON — The Phelps Mansion Museum announced that at its fiscal year-end meeting held May 22, its board of directors elected a new board chair for the first time since 2019. The museum board unanimously elected Sean Reardon, sales manager at Eck Plastic Arts, to serve as chair. He succeeds Sue Macharyas, who has held
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BINGHAMTON — The Phelps Mansion Museum announced that at its fiscal year-end meeting held May 22, its board of directors elected a new board chair for the first time since 2019.
The museum board unanimously elected Sean Reardon, sales manager at Eck Plastic Arts, to serve as chair. He succeeds Sue Macharyas, who has held the board chair position for the past six years. Under Macharyas’ leadership, the museum has experienced tremendous progress, including the recruitment of a new executive director through a national search, expansion of educational and arts programming, and stronger community partnerships, according to the Phelps Mansion Museum announcement.
“We are incredibly grateful to Sue Macharyas for her unwavering dedication and visionary leadership over the last six years,” said Reardon, the newly elected chair. “Sue was integral in the nationwide search for our current executive director, dedicated countless hours of volunteer work and laid a strong foundation for this board to build upon. Her passion for the mission of the Phelps Mansion Museum has left a lasting legacy.”
The Phelps Mansion Museum, housed in a historic 19th-century building in downtown Binghamton, says it serves as a vital cultural institution preserving local history and providing enriching experiences for visitors through exhibits, programs, and events.
The full 2025–2026 Phelps Mansion Museum board of directors is comprised of the following individuals:
• Sean Reardon, Eck Plastic Arts, chair
• John Chaffee, Binghamton University, vice chair
• Paul Miller, SUNY Broome Community College, secretary
• Chelsea Gibson, Binghamton University, board member
• Matt Grant, Ketchum, board member
• Suzy Kitchen, Visions Federal Credit Union, board member
• Emily Marino, New Energy New York, board member
• Molly McManus, Cornell Cooperative Extension of Broome County, board member
More information about the Phelps Mansion Museum and its upcoming programs is available at www.phelpsmansion.org.

M&T Bank buys naming rights for Mohawk Harbor Event Center in Schenectady
SCHENECTADY — M&T Bank Corp. (NYSE: MTB) recently announced it has secured the exclusive naming rights to the new state-of the-art events venue that Galesi Group is building in the heart of Mohawk Harbor in Schenectady. Situated along the waterfront of the revitalized Mohawk Harbor in Schenectady, the M&T Bank Center will become a regional
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SCHENECTADY — M&T Bank Corp. (NYSE: MTB) recently announced it has secured the exclusive naming rights to the new state-of the-art events venue that Galesi Group is building in the heart of Mohawk Harbor in Schenectady.
Situated along the waterfront of the revitalized Mohawk Harbor in Schenectady, the M&T Bank Center will become a regional hub for live entertainment, sporting events, community celebrations, and special functions, according to the June 5 announcement. The venue is slated to open this summer.
“We are truly honored to introduce our community to the M&T Bank Center. In addition to serving as an attraction for entertainment, we’re confident the M&T Bank Center will become a catalyst for economic development and civic pride, locally and regionally,” Charles Pinckney, M&T Bank regional president for the Capital Region and Hudson Valley, said in the announcement. “Schenectady’s ongoing revitalization is critically important to the long-term growth of the entire Capital Region. When the M&T Bank Center officially opens, Mohawk Harbor will be further poised to emerge as an entertainment destination that will encourage tourism, business growth, new investment, residential activity, and more.”
The M&T Bank Center will be the home of Union College’s Division I hockey programs and will host headline entertainment acts year-round.
“We are excited to partner with M&T Bank on what will be one of the Capital Region’s most vibrant and versatile event venues,” David Buicko, president and CEO of the Galesi Group, said. “M&T’s commitment to community and regional growth makes them the perfect partner for this project at Mohawk Harbor.”
This naming-rights agreement is a multi-year commitment from M&T Bank and builds on the bank’s longstanding efforts to support Schenectady’s revitalization. M&T Bank said it played an important role in convening financing partners and deploying capital to assist Galesi Group with the construction of the M&T Bank Center, as well as previous phases of the Mohawk Harbor redevelopment.
Mohawk Harbor, a $650 million mixed-use development along the Mohawk River, is home to luxury apartments, hotels, offices, retail, and the Rivers Casino & Resort. The M&T Bank Center will further expand the harbor’s appeal as a top destination for residents and visitors alike, the bank said.
The announcement did not disclose the price tag for the naming rights.
M&T Bank Corp. is a financial-holding company headquartered in Buffalo. Its main banking subsidiary, M&T Bank, provides banking products and services with a branch and ATM network spanning the eastern U.S. from Maine to Virginia and Washington, D.C. The bank ranks number one in deposit market share in the 16-county Central New York area. M&T Bank’s Syracuse regional headquarters office is located at 250 South Clinton St. in downtown Syracuse.

Close the Skills Gap: Build Your Workforce with MACNY Registered Apprenticeship Program
In today’s competitive labor market, finding qualified candidates through traditional hiring methods has never been more challenging. As industries evolve and workforce demands shift, employers

Micron draft environmental-impact statement released, triggering public-comment period
CLAY, N.Y. — The massive, 20,000-page draft environmental-impact statement (DEIS) on the upcoming Micron Technology Inc. (NASDAQ: MU) manufacturing campus in the town of Clay
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