Toni Holt Kramer

Nilvia Ruggiero

I am a native New Yorker. Brooklyn born. I have been a realtor since 1979, and recently retired from real estate but still get together with many of the professionals that I worked with. I love living in Sunny Florida and would like to donate my time helping your organization.

I will be able to devote time to volunteer in the many charitable organizations available and in need of my help.

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