Homeland Magazine Janury 2025

LETTER

Publisher

Editor-In-Chief

Mike Miller

Monthly Columns

What’s Next Transition

Eve Nasby • Kristin Hennessy

Human Resources

Paul Falcone

Franchise Dreams

Doug Dwyer

Successful Transitioning Stories

Dr. Julie Ducharme

Veterans in Business

www.HomelandMagazine.com

Welcome to Homeland Magazine!

Homeland is a veteran-focused magazine throughout the country. It serves to assist all veterans, active military as well as their spouses and families.

It’s the leading veterans magazine emphasizing resources, support and focusing on topics and issues facing today’s veteran community. Homeland focuses on resources, support, community, transition, mental health and inspiration for our veterans, & military personnel.

The content is the driving force behind our magazine and the connection it makes with our veterans, service members, military families, and civilians.

The magazine is supported by a distinguishing list of veteran organizations & members, resource centers, coalitions, veteran advocates, and more.

We are honored to share the work of so many committed and thoughtful people.

Despite all the challenges, our team has upheld their focus and let not one opportunity go to provide resources and support to our veterans & military personnel.

On behalf of our team, we wanted to take this moment to say THANK YOU to the readers and the military and veteran community for supporting our magazine. With that support we aim to make a difference and continuing to make a profound impact on the quality of life for our veterans, military personnel and their families.

If you want to catch up on the current and all past issues please visit: www.homelandmagazine.com/archives

Mike Miller

Editor-In-Chief

mikemiller@homelandmagazine.com www.homelandmagazine.com

Barbara Eldridge

Risky Business

Hadley Wood

Real Talk: Mental Health

Hope Phifer

PTSD: Reclaiming Control

Robert ‘Bob’ Cuyler, PhD

TLC Caregiving

Kie Copenhaver

Legal Eagle

Kelly Bagla, Esq.

Veterans Chamber Commerce

Joe Molina

Contributing Writers

Wounded Warrior Project

Disabled American Veterans

(In-House) Correspondents

Holly Shaffner

CJ Machado

Homeland Magazine 9528 Miramar Road, #41 San Diego, CA 92126 (858) 275-4281

mikemiller@homelandmagazine.com

Homeland Magazine is published monthly. Submissions of photographs, Illustrations, drawings, and manuscripts are considered unsolicited materials and the publisher assumes no responsibility for the said items. All rights reserved

DOD IN ACTION

ACTION

Soldier Send-Off

New Jersey National Guard soldiers attend a farewell ceremony in Trenton, N.J., 2024

More than 1,500 soldiers assigned to the 44th Infantry Brigade Combat Team deployed to support U.S. Central Command’s Combined Joint Task Force Operation Inherent Resolve, which advises, assists and enables partner forces until they can independently defeat ISIS in designated areas of Iraq and Syria.

Photo Credit - New Jersey Army National Guard Spc. Michael Schwenk

A Marine Corps amphibious combat vehicle enters the USS Somerset during Quarterly Underway Amphibious Readiness Training off the coast of Southern California, 2024

Move the Missile

Loading a missile on a lift truck during a Rapid Aircraft Generation Exercise at Nellis Air Force Base, 2024

Photo Credit: Air Force Airman 1st Class Brianna Vetro

Low Light Op

Photo Credit: Navy Petty Officer 2nd Class Evan Diaz

Lit Labor

Sailors prepare a Navy F/A-18E Super Hornet for flight operations aboard the USS Carl Vinson, 2024

Photo Credit: Navy Petty Officer 2nd Class Isaiah B. Goessl

Hazardous Hue

Airmen scan for hazards within the U.S. Southern Command area of responsibility, 2024

Photo Credit: Air Force 1st Lt. Trevor Wood

Blending In

Marine participates in land navigation training at the Central Training Area Camp Hansen, Okinawa, Japan, 2024

Credit: Marine Corps Lance Cpl. Evelyn Doherty

Medic Challenge

Army Medical Center of Excellence Best Medic Challenge at Joint Base San Antonio, 2024

Photo Credit: Army Spc. Mark Luther

Salute to Service

Marines assigned to the Marine Barracks Washington participate in the Salute to Service at halftime during the Washington Commander’s game at Northwest Stadium in Landover, 2024

Twilight Watch

Navy Petty Officer standing lookout watch aboard the aircraft carrier USS Harry S. Truman, 2024

Photo Credit: Navy Petty Officer 3rd Class Logan Nystrand

Photo Credit: Marine Corps Lance Cpl. Braydon Rogers

Welcome Back

Navy Lt. embraces her son on the pier during a homecoming for the USS Somerset at Naval Base San Diego, 2024

Photo Credit: Navy Petty Officer 2nd Class Evan Diaz

Sea Lion Salute

A Naval Information Warfare Center Pacific Marine Mammal Program scientist signals a sea lion to salute during an exhibition as part of Fleet Week San Diego, 2024

Photo Credit: Todd Hack, Navy

Mounted Marine

Marine Corps Cpl. prepares for the opening ceremony of the San Diego Rodeo, 2024

Photo Credit: Marine Corps Lance Cpl. Mhecaela J. Watts

Hugging a Hero

Navy Chief Petty Officer embraces his son at Naval Base San Diego, 2024

Photo Credit: Navy Petty Officer 2nd Class Evan Diaz

ENDING THE WAIT

DAV and MOAA offer a blueprint for reforming how the VA and Congress care for veterans made ill by toxic exposures

By Elizabeth DePompei and Kevin C. Miller

Six years ago, retired Army Lt. Col. Gary Sauer was diagnosed with non-Hodgkin’s lymphoma, a type of blood cancer. He had no family history of cancer, and testing confirmed he wasn’t genetically predisposed.

But over his 22-year military career, Sauer—who was also diagnosed with a rare kidney disease—served at numerous installations known to have the presence of perfluoroalkyl and polyfluoroalkyl substances (PFAS)

These synthetic “forever chemicals” are found in everything from clothing to cookware. With enough exposure, PFAS have been shown to cause cancer, thyroid disease, reproductive problems and other health issues.

“It’s a disease that can just be monitored and treated,” Sauer said of his cancer diagnosis. “But you know, at the end of the day, it may result in losing my life over it.”

Although the Department of Defense recognizes more than 700 U.S. military sites known or likely to be contaminated with PFAS, the Department of Veterans Affairs doesn’t concede PFAS exposure to those who served at any of those locations. That means affected veterans must prove their individual exposures and convince the VA the exposures caused their illnesses in order to receive benefits.

It’s a burden too many toxic-exposed veterans—including those with life-threatening illnesses—have to carry. A new report from DAV and MOAA (Military Officers Association of America) reveals that, on average, these veterans have to wait more than 30 years to get access to the full range of health care and benefits they are owed and need. Some die before that ever happens.

In Ending the Wait for Toxic-Exposed Veterans, DAV and MOAA offer a blueprint for reforming how the VA and Congress handle service-related toxic exposures and the illnesses associated with them.

“While the PACT Act of 2022 helped millions of toxicexposure veterans, it did not address all known military toxic exposures, nor did it ensure that future generations will have timely access to their earned health care and benefits,” said DAV Washington Headquarters Executive Director Randy Reese.

PHOTOS

In the case of PFAS exposure, adopting the recommendations in DAV and MOAA’s report would remove many of the evidentiary, financial and political obstacles that prevent the VA and Congress from creating presumptives. But PFAS is just one example from more than a century of toxic exposures affecting countless veterans.

‘DENIED AGAIN’

For nearly four years, David Crete provided operational security at Tonopah Test Range (TTR), a highly classified weapons testing site in Nevada, until a knee injury forced him to transfer to Nellis Air Force Base near Las Vegas. According to the Department of Energy, weapons testing conducted at TTR has caused radiological and chemical contamination of the soils.

“Shortly after arriving at Nellis, I started experiencing pulmonary issues,” Crete said. “I developed pneumonia. Military doctors diagnosed me with asthma and eventually sent me on my way, but I continued to have respiratory issues.”

After leaving the Air Force, Crete filed for disability compensation from the VA and received a 10% rating for his asthma, but chronic bronchitis continued to cause him problems. It’s become a regular part of his life, recurring at least twice a year and lasting anywhere from two weeks to two months at a time.

In 1984, President Reagan signed the Veterans’ Dioxin and Radiation Compensation Standards Act to ensure veterans and their survivors received compensation for disabilities

or deaths related to exposure to ionizing radiation during atmospheric nuclear testing or the occupation of Hiroshima and Nagasaki, Japan.

However, many veterans served at locations that have yet to be recognized for atmospheric nuclear testing, and others who had radiation exposure as a result of their military occupation or due to leaks or equipment malfunctions still have difficulty proving their exposure meets the dose estimate requirements to receive VA benefits.

This was the case with Crete’s claim, so when the PACT Act was signed in August 2021, he tried to refile for disability compensation for his various health conditions based on toxic exposure. However, the VA doesn’t currently recognize TTR as a toxic-exposure location, so all of his claims were denied.

The recommendations and findings in DAV and MOAA’s report, if adopted, could help Crete, Sauer and future generations of veterans whose toxic exposures aren’t yet recognized, acknowledged or conceded by the VA or DOD.

Like Sauer, Crete has become a staunch advocate for his fellow veterans made ill by toxic exposures.

“Too many men and women who have served in the military have suffered because our government has not recognized our exposure, and our hope is to finally receive the recognition and justice for the injuries and illnesses that occurred from toxic exposure in service,” Crete said. n

Learn More Online

Read the full report, including DAV and MOAA’s recommendations, at endingthewait.org endingthewait.org

GARY SAUER

Wounded Warrior Project Cautions Veterans of Predatory Claims Assistance Practices

VA-accredited organizations like Wounded Warrior Project can help veterans file VA claims for free

By Paris Moulden Wounded Warrior Project

“If it sounds too good to be true, it probably is.”

Navigating the complexities of applying for disability compensation, rating changes, or pensions can be challenging. But veterans should hold onto this key piece of advice, said Mike Stoddard, national service director for the Benefits Service program at Wounded Warrior Project® (WWP).

Some businesses take advantage of veterans by charging excessive fees for VA claims assistance, sometimes making unrealistic guarantees about improving disability ratings or securing compensation.

Veterans can file VA claims on their own behalf for free through VA, but they also have access to numerous veterans service organizations (VSOs) accredited by the Department of Veterans Affairs that can help them file claims free of charge.

While VSOs can’t guarantee a positive result, many, like WWP™, have the expertise and experience to help veterans collect the benefits they deserve in a manner that honors their service.

“The No. 1 one thing is a veteran should never feel like there’s not somebody advocating on their behalf, and to walk them through this very complex process,” Stoddard said.

Why Accreditation Matters

The VA accreditation is a safeguard to ensure veterans receive quality and honest assistance when filing for VA benefits. One of the main deciding factors for accreditation is a good reputation, so an inability to get accredited may be a warning.

Some veterans may not realize that it’s illegal for an unaccredited company or agent to file a claim on their behalf. However, there are no penalties for violating this law, so there is little to deter bad actors from profiting off of it.

Since accredited agents and organizations also have specific rules and standards they have to follow, companies seeking large profits may purposely avoid seeking accreditation.

“The reason they don’t want to become accredited is because they’re going to be held accountable,” Stoddard said. “The interesting part is that it’s not hard to be accredited. You just have to be willing to do the right thing.”

There are accredited agents, like attorneys, who charge for services. However, they are beholden to VA’s rules on conduct, which limits the amount they can charge.

“It’s a choice if a veteran wants to pay for something. All I ask is that they go with an accredited representative,” Stoddard said.

Another thing veterans need to know is that if they sign a contract with an unaccredited for-profit, it can be hard to get out of. VA may intervene on the veteran’s behalf to invalidate the contract. According to VA, around 40% of all complaints filed with the agency were about unaccredited companies and agents.

“At the end of the day, what really matters is that every veteran has earned their benefits. It doesn’t make sense to pay for something you’ve earned,” Stoddard said.

The PACT Act and Predatory Claims Practices

In August 2022, the SFC Heath Robinson Honoring Our Promise to Address Comprehensive Toxics (PACT) Act was signed into law. This legislation expanded eligibility for veterans exposed to toxic substances, allowing more veterans to qualify for VA benefits.

While the PACT Act was a significant legislative win for veterans nationwide, it also created opportunities for fraudulent and predatory practices targeting newly eligible veterans.

Since the law was enacted, more than 1 million claims related to the PACT Act have been approved by VA. Naturally, the increase in claims created an increase in backlog. As more veterans are filing claims and waiting longer, some may be tempted to turn to questionable services promising faster results.

VA has also set up a website and call center (833.388.7233) for veterans and their family members to report benefit scams and fraud.

Tips When Looking for Claims Assistance

1. Be wary of signing contracts.

Some predatory claims companies use confusing tactics or ambiguous language in contracts, purposely designed to mislead the veteran.

“The contract the veteran signs are long, confusing, sometimes illegal, documents that typically run over 10 pages long,” Stoddard said.

If asked to sign a contract, don’t sign it right away. Have someone independent of the company look at it. VSOs can help you understand the contract without charging a fee.

2. Watch out for false promises.

No individual or company can fast-track a VA claim or get it to the “top of the pile.” VA claims are processed in order of when they are received, with few exceptions. Those exceptions can include terminal illnesses, advanced age (85 or older), or homelessness, but are never based on the veteran paying someone.

“No company on this planet can call VA and say, ‘Hey, today I need you to fast track these five claims.’ Nobody can do that,” Stoddard said. “It’s just not ethical.”

Also, guaranteeing approval or rate increases should be an automatic red flag “Nobody can ever promise a rating,” Stoddard said.

3. Suggesting specific doctors.

Some unethical companies will refer veterans to a specific doctor, maybe one who isn’t in their area and who they can’t actually visit in-person. They may suggest using their medical professionals will help improve a medical claim or guarantee a certain diagnosis. However, veterans will still be required to take a compensation and pension (C&P) exam and submit a Disability Benefits Questionnaire (DBQ), which VA reviews closely.

Because VA is becoming more proactive in recognizing red flags on the DBQs, it may reject a claim outright or ask the veteran to refile their claim, causing more issues.

“The VA is getting better at understanding where those DBQs are coming from and if there’s something that stands out and doesn’t seem accurate,” Stoddard said.

4. High “consultant” fees or percentage of payments.

Since unaccredited agents aren’t allowed to file a claim for a veteran, they may charge a high fee to “consult” with a veteran about their claim. Fees for this “service” could be included in a contract and may be excessively high. Some companies also request a percentage of the veteran’s benefits, which could be a large chunk of any backpay the veteran receives, years of paying a percentage of their monthly disability income, or both.

Unaccredited companies may charge extra fees if a disability rating is increased, regardless of who did the work for the increase.

“Typically, what might happen is that they won’t necessarily say they’re going to do a claim form, but they’re going to do an increase. But they make the warrior or veteran do all the work, and they’re just getting the money for nothing,” Stoddard said.

5. No accreditation with VA.

This tip bears repeating. There’s likely a reason that an agent or company isn’t accredited with VA, and the reason is unlikely to benefit the veteran. Accredited organizations and companies are subject to rules that promote transparency and prevent overcharging.

VA provides a searchable database of accredited VSO representatives, attorneys, and agents to help veterans navigate the benefits process and avoid fraudulent tactics.

Stoddard warns warriors to be on the lookout for these practices and to make sure the assistance they receive is from a reputable source.

“Don’t pay for your benefits advocacy; come see an accredited agent,” Stoddard said.

Sharona Young Dan Nevins

Melissa McMahon Chris Gordon

Drew Carpenter

Jason Major

Red, White, and Blue Program: Healing our Military Heroes

Valor, dedication, commitment, and sacrifice. These are the values by which our military members and veterans live. They are on the front lines every day protecting our country. On a daily basis, members of the military community face challenges that are far beyond what most people will ever experience. At Sierra Tucson, we are incredibly grateful. In response for their service, we are at the ready to meet their needs when they need help.

The Sierra Tucson Red, White, and Blue residential treatment program was created specifically for these heroes, and features a dedicated, culturally competent group for these individuals where they can feel comfortable while sharing experiences unique to their line of duty. Our clinical team of former military and first responders provides a safe environment with a strong support system.

Sierra Tucson is proud to provide comprehensive, personalized care for military members and veterans whose lives have been disrupted by various mental and behavioral health concerns. Individualized treatment plans are provided by a caring staff of professionals who themselves have served. Whether our patients are suffering from addiction, depression, anxiety, PTSD, or pain that interferes with their lives, Sierra Tucson is here to help.

The Sierra Tucson Model®

The Sierra Tucson Model of treatment recognizes a simple truth: All of us exist as mind, body, spirit, and emotions. Only when the whole person is treated — not just the symptoms, but the underlying concerns — can positive outcomes be lasting.

The Sierra Tucson Model also encourages the involvement of family members during the resident’s treatment. Should a resident extend an invitation, we allow family to participate in the treatment process.

We offer family members and residents education, support, and resources to explore and improve relationship dynamics. During this stage of healing, families come to understand that recovery is indeed a lifelong process.

PsychArmor Certification

Sierra Tucson is proud to be officially certified as a “Veteran Ready Healthcare Organization” through a partnership between Acadia Healthcare’s Military & Family Support Services and PsychArmor, a Californiabased nonprofit program.

PsychArmor’s mission is to help behavioral health professionals better understand military culture and the challenges faced by military members to improve quality of service.

PsychArmor’s support and coaching staff are dedicated to assisting military members and their loved ones, communities and healthcare providers through online data-driven training.

Sierra Tucson staff members have participated in a variety of evidence-based virtual training courses designed to help them serve active-duty military members, veterans and their families. Thanks to PsychArmor, our team is now better equipped to treat these individuals who are struggling with substance use disorders and mental health concerns.

Treatment Team

The Sierra Tucson medical team subscribes to Prescribing with Purpose™, strategic initiative to improve the patient experience, quality of care, and patient outcomes, creating a ‘less is more’ approach to medication management. The team includes psychiatrists, naturopathic physicians, internists, and other medical and psychiatric professionals including a 24-hour nursing staff.

The patient will be assigned to a masters-level therapist who will provide a bio-psycho-social assessment and supportive individual therapy. Group therapy meets four times a week. Small group sessions and activities with fellow veterans are also offered.

Connect365

In addition to the Continuing Care Plan and Alumni Services, residents may, at no additional charge,

join the Connect365 program, which includes a digital app and access to a Sierra Tucson recovery coach for one full year after treatment.

The Connect365 Program offers participants the tools they need to enjoy a strong recovery program and live the life they deserve. Each participant gains access to an effective and user-friendly app that keeps the individual connected and engaged, one day at a time. The Connect365 Program app helps guide individuals on their recovery journey by promoting responsibility, accountability and connection.

Sierra Tucson believes that the first year of recovery sets the stage for long-term success. In addition to monitoring activity on the Connect365 Program app, the Recovery Coach will communicate with the individual on a weekly basis via phone, email and/or secure chat. For 365 days post treatment, the Recovery Coach delivers personalized support and relapse prevention assistance at no additional cost.

At Sierra Tucson, we strive for continuous improvement and innovation. We use up-to-date, quantitative data on Connect365 to identify the efficacy of our signature service and ways in which we can enhance the overall treatment experience

Please call 844-215-1400 for a complimentary consultation. When you make the decision to seek out treatment, you are demonstrating the courage that is necessary to pursue a life-changing experience. It is a decision that can ultimately save your life, yet it can be a very intimidating challenge to face.

Sierra Tucson is approved to accept overflow from the U.S. Department of Veterans Affairs, and works with most health insurance. Learn more about the Sierra Tucson Red, White, and Blue Program at www.sierratucson.com/programs/military

RED, WHITE, AND BLUE PROGRAM

Features a dedicated group for individuals where they can feel comfortable while sharing experiences unique to their line of duty. Our clinical team of former military and first responders provide a safe environment with a strong support system. This program is designed to serve the professionals who protect our nation and keep our communities safe, including:

Active-duty members of the U S military

Reservists and members of the National Guard

Military veterans

Military retirees

Police officers

Firefighters

EMS

Other first responders

HEALING HEROES

When you arrive at our campus, you will work with compassionate experts who understand what you’ve been going through and are prepared to provide the customized solutions that will empower you to make sustained progress toward improved health

TriWest Accepted

Honoring the Next Generation of Military Leaders: The Navy Federal ROTC All-American Students of the Year

By: Navy Federal Credit Union

Since 2018, Navy Federal Credit Union’s ROTC All-American Scholarship Program has recognized the nation’s most exceptional ROTC students – those who embody the pillars of the program: leadership, military excellence, scholarship and service. Open to the brightest ROTC seniors nationwide, the program highlights individuals whose achievements, perseverance and dedication set a standard for their peers and future leaders.

Each year, a panel of Navy Federal employees and Veterans in all branches of service selects 15 finalists out of hundreds of nominations from ROTC units across the country. The finalists each receive a $2,500 scholarship, and their Booster Club or Student Fund receives a $1,500 donation.

Out of the 15 finalists, the credit union selects and honors the top Army, Air Force and Navy/Marine Corps students as the three Students of the Year. The Students of the Year each receive a $6,500 scholarship and their Booster Club or Student Fund receives a $5,000 donation.

This year’s Students of the Year—Cadet Adam Viener, Cadet Mikolaj Radaszkiewicz and Midshipman Kennedy Adkison—underscore the values of service, resilience and leadership that define the future of America’s military.

Adam Viener | Air Force ROTC University of South Carolina

Adam Viener exemplifies servant leadership and academic excellence. A student of finance, supply chain management and aerospace studies. Adam balances his challenging coursework with his role as Operations Group Commander for Detachment 775, where he oversees the training and professional development of 80 cadets.

“My leadership starts with making sure I’m in check first,” Cadet Viener explained. “Only then can I guide others to be their best.”

Cadet Viener’s commitment to service extends beyond the classroom and ROTC. He has volunteered over 87 hours to causes like food banks, animal shelters and community improvement initiatives. As a mentor in his university’s business fraternity, he helps new students develop skills for professional success.

Looking ahead, Cadet Viener plans to become an Airfield Operations Officer or Logistics Readiness Officer, roles where he can apply his leadership and organizational skills. “I believe that if you’re going to commit your time to something, you should give it your best effort,” he shared.

Mikolaj Radaszkiewicz | Army ROTC

St. John’s University

For Mikolaj Radaszkiewicz, leadership is a deeply personal mission. Born in Poland, Cadet Radaszkiewicz and his mother immigrated to the United States when he was five years old. For him, a career in the Army is a way to give back to the country that provided him with a home.

“Leadership provides purpose, direction, and motivation,” Cadet Radaszkiewicz said. “It’s the reason we get up in the morning, ready to take on new challenges.”

At St. John’s University in New York, Cadet Radaszkiewicz serves as Finance Committee President and Military Science Club President, managing program funds and organizing events to strengthen relationships between military and civilian communities. He’s also led the ROTC battalion food drive to combat food insecurity and volunteered for conservation causes—efforts that further underscore his commitment to service.

Balancing leadership and academics, Cadet Radaszkiewicz maintains a high level of academic performance while continuing to uplift those around him. His story reflects the gratitude he carries:

I’m so thankful for what this country has given me, and I knew I wanted to find a way to give back,” he shared.

As he prepares for his career as an Army officer, his leadership philosophy remains clear: service to others comes first.

Kennedy Adkison | Navy ROTC I Massachusetts Institute of Technology

Midshipman Kennedy Adkison combines academic excellence with a passion for leadership and service. Majoring in aeronautical and astronautical engineering at MIT, she has thrived in one of the most challenging academic environments in the country while rising as a leader in herNavy ROTC unit.

“Growing up, I was surrounded by service-minded individuals, and that instilled the value of giving back,” MIDN Adkison shared. “ROTC has allowed me to be part of something bigger than myself.”

MIDN Adkison’s leadership roles include serving as Boston NROTC Consortium Battalion Assistant Treasurer, Company Fitness Leader and Officer-inCharge for major battalion events. She also captains the MIT varsity softball team and serves as President of the Maseeh Hall Executive Council, reflecting her ability to balance academics, athletics and service.

Upon commissioning, Kennedy plans to pursue Naval Aviation by attending flight school in Pensacola, Fla. Her goal is to join NASA’s Astronaut Candidate Program—a mission driven by her commitment to serve on critical projects of national importance.

“Being at MIT and participating in ROTC has challenged me and prepared me for what’s to come,” MIDN Adkison said.

A Legacy of Leadership

Through the ROTC All-American Scholarship Program, Navy Federal has received over 1,300 student nominations and donated over $540,000 since the program’s inception in 2018. This year’s Students of the Year—Adam Viener, Mikolaj Radaszkiewicz, and Kennedy Adkison—embody the values of leadership, scholarship and service that will define the future of America’s armed forces.

The Students of the Years were honored guests of the Go Bowling Military Bowl on December 28 at the NavyMarine Corps Memorial Stadium in Annapolis, Md.

They were featured on ESPN’s broadcast of the game and spotlighted across Navy Federal’s social media channels.

As they prepare to commission, these exceptional leaders carry forward a legacy of service that will leave a lasting impact on their communities and future generations.

To learn more about Navy Federal’s ROTC All-American Scholarship Program and this year’s honorees, visit rotcaa.navyfederal.org

“My leadership starts with making sure I’m in check first,” Cadet Viener explained. “Only then can I guide others to be their best.”

“Leadership provides purpose, direction, and motivation,” Cadet Radaszkiewicz said. “It’s the reason we get up in the morning, ready to take on new challenges.”

“Growing up, I was surrounded by service-minded individuals, and that instilled the value of giving back,” MIDN Adkison shared.

“ROTC has allowed me to be part of something bigger than myself.”

NAVY SEAL MEDIC EXPANDS INNOVATIVE TECHNOLOGY TO SPECIAL FORCES AND BEYOND

Former US Navy SEAL sniper, breacher, and combat medic, Kevin Lacz served the United States Navy from 2002-2010. During his tenure he deployed twice to Iraq where he was awarded a Bronze Star Medal and two Navy and Marine Corps Commendation medals each with combat (V).

Finishing service, he continued his education at the University of Connecticut earning his Master of Medical Science at Wake Forest University. He has practiced with Dr. David E. LeMay since 2015 as a Physician’s Assistant and is the cofounder and CEO of Trident Medicine LLC. His integrative medicine practice specializes in treating many individuals within the highest tiers of US Special Operations, law enforcement, and the civilian sector.

Lacz utilizes the concentrated protein matrix called MaviX™ within his practice. MaviX™ is a heterogeneous, complex mixture of cell and tissue building blocks, which plays an essential role in tissue repair and regeneration.

“MaviX™ affords patients an option in addressing chronic conditions brought upon by years of operating, stress, and austere work environments. The results seen at Trident Medicine are proven and lasting,” stated Lacz.

XO Biologix is the company behind MaviX™. It is a biotechnology company focused on producing regenerative medicine products for clinical and surgical applications.

“MaviX™ is being used within the Ortho/Spine, OBGYN, Cardiovascular space, and at Brook Army Medical Hospital and in several VA hospitals. Physicians are seeing dramatic results in tissue healing and bone fusion,” explains part owner Jeff Hargrove. “MaviX™ is a unique combination of exosomes, extracellular matrix, connective tissue, and growth factors, that, In my opinion, has no equal on the market for regenerating healthy tissue,” Jeff said.

XO Biologix is excited to announce its expansion into Dentistry with the support of trusted dental professionals in the Northern Nevada and Southern

California areas leading the way. Meet the highly skilled doctors of dentistry involved.

Dr. Ron West D.M.D, served honorably in the United States Air Force as a F-15E crew chief earning a medal while serving in Southwest Asia during Desert Watch. Following his tour of duty, Dr. West returned home and attended the University of Nevada, Reno.

After graduating with his bachelor’s degree in Biology, he attended the University of Nevada, Las Vegas School of Dental Medicine. Dr. West is proud to have returned to Northern Nevada serving the communities as Dental Designs of Reno, Tahoe (Incline) and Carson City. In appreciation to all our service members, Dr. West actively participates in the Adopt-A-Vet VA program helping Vets in critical need of dental care.

In addition, renowned Carson Periodontics and Oral Surgery is implementing MaviX™ with their most difficult cases. These specialized doctors of dentistry are dedicated to providing patients with the best and latest in technology and treatment options. “We are excited to implement MaviX™ innovative regenerative technology to ensure optimal healing and regrowth for our patients,” stated Periodontist Dr. Jared Bauerle.

Dr. Bauerle’s advanced education in gingival surgery, bone augmentation and dental implants allow him to provide cutting edge technology and techniques for the benefit of his patients.

To meet the team of doctors at Carson Perio and Oral Surgery, please visit: carsoncityperio.com/about-us/

To learn more about MaviX™ and how you can apply it to your medical/dental practice, please contact Jeff Hargrove at (281) 960-7837 or by email: jeffh.ortho@gmail.com

RESOLUTION SOLUTIONS 2025 SOLUTIONS

The holidays are over, but the New Year’s resolutions have just begun, and Homeland Magazine is here to help you keep yours.

If you’ve chosen to change your life this year, you’re not alone. Nearly half the United States – a stunning 150 million people – did the same.

Many of these aren’t plastic or paper decisions either but life-affirming, soul-quenching, I’m-the-captain-ofmy-destiny-and-I’m-finally-going-do-this variety.

High on most lists, losing weight or getting fit with many deciding the time to act is now.

If this sounds familiar, good for you! Recognition that change is necessary is the first step. Desire makes all things possible. Work well begun is half done.

You’re off and running, maybe literally.

Now the bad news.

Statistically speaking, most of you are doomed. Nearly 90 percent who make New Year’s resolutions fail. That’s a crazy high bust rate. Who would ever bet those odds?

You would and you do.

Let me explain.

At the start of every year -- without fail -- people flock to gyms. They’re recognizable by their new sneakers, stylish water bottles and eager looks. You can practically see their new gym bodies in the bubble dreams above their heads.

Memberships are bought. Trainers hired. Classes enrolled.

And so begins the brief lifecycle of the Resolution Set, a specimen of gym member whose chief function is giving money away for no apparent reason.

All gym vets know their ways well.

They start January like shooting stars, their resolution glow bright and vibe positive and contagious. February finds them making strides.

Cracks start showing in March as they realize that working out can be, well, work, and that maybe the miraculous transformations they envisioned might’ve been a skosh unrealistic.

Then the wheels fly completely off.

This typically happens by May, exactly when the neophytes should be prepping for the big beach season reveal.

They were so close to getting somewhere and then puff. Gone. Another statistic.

But you can break this cycle of boom and bust, and here are some tips to do just that.

1. Set realistic goals. Losing a pound or two a month – and keeping it off -- is a reasonable. Anything more is, hmm, gravy.

2. Start slow. Take it easy as you learn what your body can do. Hurting yourself or being too sore to workout defeats the purpose.

3. Then, ramp it up. You’re at the gym to work, so work. Push weights around, stretch, walk, peddle or paddle. Sweat a little so you can live a lot.

4. Just go. Just as possession is nine-tenths of the law, so too is getting to the gym is nine-tenths of the battle. Get there and you’ll figure out the rest.

5. No excuses. If you have five free minutes a day, you have time to workout. How? Do all the pushups and sit ups you can in one-minute increments. Follow that up with running as far you can for another minute – it will take you two minutes to walk back. Done.

6. Find what works for you. Yoga, pilates, kettle ball, boxing, surfing, mixed martial arts, weights, running, kendo, fencing, cross-fit, judo, swimming, biking, walking, whatever. There are a lot of choices. Find one or three that work for you.

7. Remember the big picture. Attaining your fitness goals takes effort and means pushing through adversity.

8. Find your motivation. Whether you’re doing this for yourself, your family or some other reason, keep that reason in mind when you feel like quitting.

9. Have fun. It’s hard to succeed at anything unless you enjoy it and make it part of your life.

10. Forgive yourself. No one is 100 percent all the time. The best baseball hitters fail 70 percent of the time. The greatest quarterbacks throw interceptions. The most powerful tycoons make bad deals. When you backslide, pick yourself up and keep going.

“Nearly 90 percent who make New Year’s resolutions fail.”

2025: Managing Expectations for the New Year

By Bill Reynolds Sierra Tucson

The New Year is here, a time when veterans and military personnel can take proactive steps to set meaningful, realistic resolutions that promote personal growth and well-being while also focusing on attainable goals. Recognizing that significant changes don’t happen overnight prevents feelings of disappointment and failure. By effectively managing expectations, you can set yourself up for a more fulfilling and less stressful 2025.

Take inventory of your previous year

Reflecting on the past is a valuable exercise when planning for the new year ahead. Reviewing the previous year allows you to identify what strategies were effective and which were not, which helps in understanding successes and failures, enabling you to make informed decisions moving forward.

Reflect on how your military service has influenced your personal development and community contributions. Reflecting on these positive aspects can provide insights into your legacy and areas for future growth.

By implementing these strategies of self-inventory and introspection, you can effectively reflect on the past year and prepare for the future, leveraging your experiences and resilience as a veteran or active-duty serviceperson.

Consider setting SMART goals for the year ahead

The military emphasizes clear, mission-oriented objectives. Applying SMART goals – Specific, Measurable, Achievable, Relevant, and Time-bound – at the beginning of a new year provides a familiar structured approach to personal and professional development for military personnel, veterans and civilians alike.

Setting specific and measurable goals is crucial for tracking progress and achieving desired outcomes as goal setting enables you to track progress, fostering motivation and a sense of accomplishment as you achieve your defined milestones. By setting achievable and relevant goals, you can align your objectives with personal values and current circumstances, ensuring that your aspirations are both attainable and meaningful.

Time-bound goals encourage goal setters to establish deadlines, effectively promoting time management and reducing procrastination, enhancing your ability to achieve the goals in place.

Avoid “all-or-nothing” thinking

Rigid, all-or-nothing thinking often results in discouragement and abandonment of goals after only minor setbacks. All-or-nothing thinking is associated with increased anxiety and depression. By adopting a more flexible mindset, you can alleviate these negative emotions, leading to improved mental health. By allowing room for error, you can set more realistic, adaptable resolutions, leading to sustained personal growth and well-being.

The year ahead is unpredictable, and strict adherence to specific goals without flexibility can cause stress when unforeseen circumstances arise. Flexible thinking enables you to adjust your plans, maintaining progress even when challenges occur.

For additional support in managing expectations in 2025, connect with fellow veterans, service members, and community groups. Utilize programs and services offered by organizations like the Department of Veterans Affairs and military support groups such as Sierra Tucson’s Red, White, and Blue Program. These resources can assist by providing a safe environment with a strong support system unique to military members. Sharing experiences and support can provide a sense of camaraderie, aiding in the pursuit of your resolutions.

By implementing these strategies, veterans and military personal can set meaningful and attainable New Year’s resolutions while also fostering personal growth and well-being in the year ahead.

Lt. Cmdr. William Reynolds, USN, (Ret.), PA-C, is Director of the Military and First Responder Trauma Recovery Program at Arizona-based mental health treatment facility Sierra Tucson. For more information, visit: www.sierratucson.com/programs/military/

Arts & Healing

Arts for Military Veterans

By Amber Robinson

IMAGINE

Albert Einstein once said, “Imagination is more important than knowledge. Knowledge is limited. Imagination encircles the world.” Have you ever thought about the power of imagination and what makes it so important to us all?

Stop to think about the things you’ve used your imagination for in your life. They are probably some of the proudest moments. They were most likely times you created something new and exciting, problems solved something big at work or stepped into a new home or work space you had envisioned first.

It’s your creativity and imagination that writes those awesome college papers your teachers love, the ones where you are not only showing you understand the content you are learning, but also visualizing where you could use it or talking about where you have used it. For me, as a 44-year old college student, I’m usually writing about the latter.

We use our imaginations daily when we think about how we’d like our day to go, how we are going to time out our day. It’s used constantly by us, but not usually given the credit it deserves. I mean, what do you think happens when scientists imagine possibilities outside of the box, what happens when inventors do that? The world advances!

According to an article in the Harvard Business Review (https://tinyurl.com/imaginationHBR) we need imagination more now than ever. As we deal with an ongoing pandemic with rapid mutations happening constantly, it’s hard not to get down. But when the days get dark, we need our imaginations to create light in the midst of them, to create a safer, brighter future.

The Harvard article states, “renewal and adaptive strategies [will] give way to classical planning-based strategies and then to visionary and shaping strategies, which require imagination.”

“Imagination is more important than knowledge. Knowledge is limited. Imagination encircles the world.”

- Albert Einstein

In the same ways our world’s great “imaginers’ will help us move from crisis phase to a new way of thriving post-pandemic, you can create a brighter future for yourself.

In an article by Forbes magazine writer Lidija Globokar (tinyurl.com/Globokar-forbes) shares the way athletes have always used visualization as an example of how it can be used to reach any life goal. Famous athletes like Muhammed Ali, Kobe Bryant and Arnold Schwarzenegger all used visualization and imagination to achieve the things they are now famous for.

But the article says it has also been used successfully in police training and with new medical surgeons. Those who went through visualization training prior to their first times under job stress not only executed better on the job, but did so with reduced anxiety.

So, in 2025, I challenge us all to be mindful of our imaginations. I posit we give our imagination the credit it deserves and become conscious of its use.

With that said, what will you visualize for yourself this year? In what ways will your imagination lead the way to a life that thrives?

PTSD: Reclaiming Control

By: Robert ‘Bob’ Cuyler, PhD Psychologist and Trauma Expert

A Look Behind, a Look Ahead

I am privileged to have the opportunity to discuss Veteran’s health in Homeland Magazine and humbled by the opportunity to work with Veterans and their health professionals through our Freespira team. As we get to know our Veteran clients, we are aware of the sacrifices these men and women have made in service to our country and of the burdens they have brought home. We rejoice in the progress so many make in treatment but are sorrowful for those who have not benefitted enough. I’ve spent much of my time with these monthly articles summarizing the variety of treatment methods available for PTSD, with a focus on the reality that there is no ‘one size fits all’ remedy. It is very clear that the most highly studied and recommended talk therapies are hard to tolerate or not accessible enough for too many Veterans. It is unlikely that any ‘miracle’ drug is on the horizon from traditional pharma.

There is incredible ‘buzz’ around psychedelics lately, and it’s likely that improved research in the coming years will better establish benefits and risks, increasing the chances that the FDA may approve these under strict controls. The VA may begin to gear up for developing specialty sites, and there will be great pressure from Veterans and Congress to make treatment available.

However, there are not enough regular clinicians available in the VA to meet the demand for our existing therapies, much less the pool of professionals trained

to guide patients through the extensive ‘talk therapy’ that will certainly be part of the treatment plan. A concern I have is that, in frustration about availability, too many Veterans may look to unapproved sources for psychedelics and put themselves at risk for bad outcomes.

The search for new and innovative treatments for PTSD will continue; there’s too great a need for effective treatments for too many Veterans suffering who don’t benefit from our current mainstream methods or can’t access care (particularly outside of big cities). There is a delicate balance between the need for scientifically sound validation of new treatments and overly restrictive policies that hinder emerging treatments that are safe but don’t yet have multiple randomized clinical trials completed.

A trend I expect to continue in the coming year is a focus on an individualized ‘package’ of care that emphasizes Veterans’ choices and preferences. None of our available treatments appear to be sufficient as a standalone therapy. For some Veterans, a combination of retraining their breathing patterns, talk therapy, yoga, and a service animal may be the optimal mix. For others, traumafocused substance abuse approaches may be on the front burner, supplemented by medication-assisted treatment or an anti-depressant.

We need more research in this area to better predict the right combination for an individual instead of throwing options against the wall to see what sticks. I predict that developments in artificial intelligence may help us comb through masses of data to optimize the combination of approaches best suited for an individual. Work on sleep quality and our own work on addressing panic symptoms in PTSD may also provide more targeted approaches to alleviating the damage that PTSD does to individual lives.

Dr. Cuyler is chief clinical officer of Freespira, an FDA-cleared nonmedication treatment that helps people with panic and PTSD manage their symptoms by learning how to regulate their breathing.

www.freespira.com

www.freespira.com/veterans

Real Talk: Mental Health

By Suji Yamauchi, Clinician

The Steven A. Cohen Military Family Clinic at VVSD www.vvsd.net/cohenclinics

Practicing the Attitude of Gratitude in the Midst of Loneliness

Loneliness may appear like a plague, but with a shift in perspective, it is a safe landing for gratitude and solitude.

The reality of loneliness and solitude during active duty taught me to embrace gratitude. Since my time as a woman veteran, and with the support of other women veterans, I have had time to reflect and fine-tune my attitude of gratitude.

At my first duty assignment, I was welcomed by Texas's crisp, clean air. Most of my fellow trainees were new to the military, and we shared our training experience. I had not experienced deep loneliness here. After spending about a year there, I was ready to launch into my real job and implement the skills. With little hesitation, I signed up for South Korea as my duty assignment, and it was easy to push aside my sense of loneliness. I completed my training and ended my short stay in Texas. I did a PCS (Permanent Change of Station) move to South Korea. Returning to where I was born, I felt that I found my purpose.

My duty assignment to South Korea was a wish come true. I was working with the U.S. military and the South Korean counterparts. I used my Korean language skills and implemented my cultural perspective. With awareness of the uniqueness of my position, I remained open to learning and gaining knowledge. However, to much surprise, I was confronted with loneliness, which, at the time, was painfully isolating. My uniqueness led me to feel different from others. I attempted to connect and relate to my peers, yet I experienced limited common ground. Although I blended in on-base wearing my uniform and off-base wearing civilian clothes, I did not share the same experiences with many I encountered.

In South Korea, the nuances of gender expectations were bluntly exhibited, although with subtleness, that women had designated roles and expectations. Despite the pain of admitting it, I was stamped as too foreign among the Koreans and too Korean by U.S. military co-workers. The apparent labels prescribed started me on a journey of redefining my purpose. As Mark Twain said, "The two most important days in your life are the day you were born and the day you figure out why."

My “why” was thwarted, and I PCS'd back home to California. When I returned, the loneliness and the “why” lingered incessantly over the years. I shied away from veteran events until I got to work with women veterans during the COVID-19 quarantine; I slowly shifted my perspective toward gratitude and began to see the things I was thankful for. Other women veterans echoed my experiences, and their treasured stories clarified my purpose. Their stories encouraged me to redefine my purpose as they shared how they gained wisdom, embraced solitude, and secured selfacceptance by spending time away from home and experiencing loneliness.

One of my favorite quotes is, "Be thankful for what you have; you'll end up having more. If you concentrate on what you don't have, you will never, ever have enough!" (Oprah Winfrey).

As a woman veteran, I seek opportunities to connect and relate to others. Spending time getting to know other women veterans, I can quickly identify conversations of gratitude. On that common ground, I'm trekking along those who share similar and unique paths as mine

When experiencing loneliness, make self-care a priority and embrace the love within through the below helpful self-love tips from Cohen Veterans Network (CVN), a 501(c)(3) national not-for-profit philanthropic organization for post 9/11 veterans, active duty service members and their families.

CVN focuses on improvingmental health outcomes, operating a network of outpatient mental health clinics in high-need communities, in which trained clinicians deliver holistic evidence-based care to treat mental health conditions.

• Avoid negative thought spirals. When stressed or overwhelmed, we can go on a downward path of negative thoughts. Stop the spiral by asking yourself if the thought is a fact, something you can control, and is it serving you.

• Practice daily gratitude. Write down three different things you are thankful for each day. This can help remind us there is positivity in our lives and lessen the feeling of being overwhelmed by negativity.

• Prioritize friendships and connection. Spending time with those you love improves your overall health and helps to combat loneliness. Schedule a time to meet up with a friend at least once a month.

• Speak kindly to yourself. Remember, if you wouldn't treat a loved one or a friend unkindly, why are you treating yourself that way? Be your own best friend and speak encouraging words to yourself.

• Know you are not alone. Remember, everyone has their own internal struggles, even though you may not see them. There are many people who may also be feeling the way you do or not fully content with their situations, but don't show it.

For more information about the Steven A. Cohen Military Family Clinics at VVSD and Cohen Veterans Network, visit www.cohenveteransnetwork.org

- USPTO: A Sailor’s Path to Civil Service

- What’s Next: Remember Who You Are

- Transition a Foundation for Veteran Success

- HR: Health & Wellness at Work

- Implications for Veterans (What Must Be Done)

- Founder of VetFran, Don Dwyer

- New Beginnings: Agricultural Training

- Veterans & Franchising are a Perfect Fit

- Before Starting a Business

- Home-Based Business

- Accelerate Your Success

- Careers in Law Enforcement

VETERANS IN TRANSITION

For editorial & monthly columns regarding transition, career advice, tips, workshops, transition to education, entrepreneurship, straight-forward legal tips for military and veteran business owners and more, visit Veterans In Transition.

www.homelandmagazine.com/category/veterans-in-transition

All aboard for innovation: A Sailor’s path to civil service

By Elizabeth Caraway United States Patent and Trademark Office www.uspto.gov/jobs/veteran-hiring-program

Angelica McKinney admits it “might sound cliché,” but she was excited to join the military to see the world. Born and raised in South America, she moved from Cali, Colombia, to Houston, Texas, with her family as a teenager. She was living in Houston when she decided to enlist in the United States Navy, a decision she says led to her “gaining a deeper understanding and appreciation of the world and the people in it.”

A “new chapter”

As much as she enjoyed her military experiences, McKinney separated to spend more time with her husband and to focus on finishing her bachelor’s degree in computer science from the University of Maryland University College. She and her husband worked on her military transition plan for almost a year. “We were just so excited for that ‘new chapter’ of civilian life,” she explains. She is thankful they spent so much time preparing and offers the following tips to transitioning service members.

Six lessons learned for transitioning service members

1. Take time for reflection. Transitioning from military to civilian life is a big change, and McKinney encourages veterans to consider all aspects of life, from where you’ll live and whether you’ll buy or rent to what jobs you and your spouse will pursue. “If there’s one thing I’ve learned, it’s that you should never just ‘wing it’ when it comes to income and transitioning out of the military. Having as few ‘what-ifs’ as possible is the goal!” she says.

2. Be adaptable. Even with reflection and planning, the process can result in curveballs. When their family’s initial employment and move plan didn’t work out, McKinney says they pivoted. “Talk through all of the things and make decisions as a team.”

3. Don’t wait to get your veteran benefits. Take advantage of the Benefits Delivery at Discharge program, which allows you to file a claim for disability benefits 180 to 90 days before you leave the military.

McKinney served in the Navy for six years, first in auxiliary security forces, then as an operations specialist. Based at Joint Base Pearl Harbor-Hickam, Hawaii, she deployed to Japan, Korea, the Philippines, Palau, Guam, Malaysia, Thailand, Singapore, Bahrain, and the United Arab Emirates in support of Operation Iraqi Freedom and Operation Enduring Freedom.

“[In the military,] I met people from all over our country and worldwide. Traveling abroad allowed me to experience different cultures firsthand,” she says of her service. “I believe that’s the reason I am more open-minded, tolerant, and accepting of different ways of life.”

4. Start considering jobs/careers early. “Begin now so you can see if you have gaps in either education, certifications, or experience. Figure out the steps to get from A to B and ensure that gaps are closed,” she advises.

5. Consider part-time military service. If you’re leaving active duty, consider continuing service in the National Guard or Reserves.

6. Seek out veteran support groups and organizations. “I missed the camaraderie of the military community; I missed knowing that I had a community to lean on no matter what,” she says. She soon found that sense of belonging in her new role.

From watch shifts to watching innovation

McKinney was first attracted to the patent examiner position at the United States Patent and Trademark Office (USPTO) due to its benefits—a special salary rate, non-competitive career ladder, flexible schedule, telework options, comprehensive health benefits, and a retirement plan.

She quickly discovered, though, that she found the work exciting and fulfilling. As America’s Innovation Agency, the USPTO is the federal agency responsible for granting U.S. patents and registering trademarks, protecting intellectual property and promoting invention and creativity.

“At the USPTO, you see products before they get to market, some of which will later become successful, some not,” she explains. “You constantly see people making attempts to improve existing technology, such as hearing aids, to make things better for people. I am happy to directly contribute to the advancement of innovation.”

McKinney was also able to leverage skills she developed in the Navy in her current role. The need for clarity in military reports is similar, she says, to the need for plain language when writing an office action to notify a patent applicant of their patentability determination. Conducting briefs and debriefs as an operations specialist built her confidence in providing persuasive analysis of technical content and patent regulations to fellow examiners and applicants.

A culture of inclusion

McKinney appreciates the inclusive culture she’s found at the USPTO, participating in multiple voluntary employee organizations like the USPTO Military Association, Caribbean Intellectual Property Association, and Latinos in Trademarks. She is also a board member of the Department of Commerce’s Women in Science, Technology, Engineering, and Math.

“The USPTO promotes a culture of diversity, inclusion, and community engagement. Working in an agency with those values allows me to feel accepted and valued,” she says.

The USPTO values the skills of military veterans. Learn more about the USPTO Veteran Hiring Program or reach out to HireVets@uspto.gov.

WHAT’S NEXT

Transition to Civilian Life

By Eve Nasby & Kristin Hennessy

What to Remember in your Transition to Civilian Life

Memory is a funny thing. We tend to remember things we’d like to forget, and we forget those things we thought we’d always remember.

As you transition out, it’s important to remember the accomplishments, experiences and friendships that will help you in this next chapter. When you’re focused on the “what-if’s” of transition, it moves your focus to the future instead of the past. By remembering all you have done in the past, you can be prepared for a new future that is satisfying and rewarding.

Use this acronym to “REMEMBER” your experiences in a way that sets you up for success in transition.

Remember who you are and why you decided to serve.

Your training, your ability to complete a task, to be on time and be a part of a team are all things that will add value to any organization. Remember why you decided to serve. Maybe it was to be a part of something better than yourself, or perhaps to escape from a fear of what you thought you’d be stuck with. Maybe you wanted a way to get an education or see the world.

Whatever the case, you were decisive and did it. You experienced change and can embrace challenges. You became part of something bigger than yourself. Remember that.

Embrace the fear of change.

FEAR is False Evidence Appearing Real. When you have the natural fears of transition, where is that fear rooted? Not making enough money? Not speaking the right ‘civilian’ language? Not being groomed enough for civilian employment?

Fear not. Write out a list of the raw fears that you are facing in transition. Find a mentor who is experienced in helping those in transition and discuss these. You will be surprised how much ‘False Evidence” you have in your mind that appears real.

Make a plan.

Start planning 12-18 months out. If you fail to plan you plan to fail. Do your research. Do some soul searching. Where do you want to be location-wise? How important is the salary number? Do you have a certain work culture in mind? Write these down clearly and specifically. Then you have a guide to help narrow your choices to those that fit what you really want.

Engage your network.

After you write out your plan, tell others about it. Want to work for Subaru in Lafayette, Indiana? Jump on LinkedIn and find the head of HR. Ask for an informational interview. See who else knows people who work at Subaru and engage them for ideas of what it’s like to work there and the best way to land a job.

Move.

The paralysis of analysis can be…paralyzing. With so many companies, jobs and choices make it easy to freeze up with indecision. But you have a plan! So, start moving towards what that says. If a choice doesn’t align with your plan, forget it! Keep moving while making decisions that align with what you said you want. That will get you to the job/career you want and love.

Be accountable.

Transition is not successful if you go it alone. Be accountable to your mentor. If you are struggling with interviews or networking, be honest with yourself and with your mentors and friends.

People love to help but it is often difficult to ask for help. Just ASK. Do what you say you’ll do. Do what they suggest you do.

Elevate your mind.

Look up. Literally. You’ll probably get rejected at some point in the process. Everyone does. Maybe you don’t hear back from a company after a great interview. Don’t assume rejection, but be okay if it is. Keep your head up. Elevate your mind. Follow up if you don’t hear back about a job you want. Remember, you’ve made it through boot camp and far worse. How’d you get through that? Your network, resources, friends, books, and faith will keep you elevated if you allow them to! It’s not trite to say that when one door closes, another one opens. Elevate your mind to really believe that.

Reframe your thoughts.

It’s common to think you don’t have the skills and experience necessary for civilian jobs. That’s not the case. If you think it is, you haven’t reframed your experiences and accomplishments in a relatable way to civilian employers.

Your mentor and network can help you reword your skills and accomplishments in the military into a story that’s incredibly valuable to employers.

Reframe how you see yourself. Ok, so the dress code and language is different in the civilian work world. No problem. Start small. Get used to removing “Yes Ma’am” or “Yes Sir” from your daily lingo. Avoid using acronyms that only the military understands. Start practicing interviews with your peers. Get feedback, and keep reframing until you get comfortable.

Remember, you have what it takes! Remember these tips and put them into practice to help navigate your best path in transition. www.bandofhands.com

www.bandofhands.com

eve@bandofhands.com

Transitions are the Foundation for Veteran Success

By Brigadier General (ret) Mike Eastman

Every Veterans Day, the outpouring of gratitude to our nation’s Veterans is a heartwarming symbol of the love this country has for those who served. Americans appreciate the sacrifices of our military members and seek tangible ways to give back. Supporting our newest Veterans taking their first steps back into civilian life is a way to do just that.

Transition is Difficult

Many service members join the military directly out of high school. They enter a highly structured culture with clearly defined expectations and a strong sense of purpose and cohesion. Most embrace these values and soon view themselves through a lens of teamwork, discipline, and service. As their time in service comes to a close, they are suddenly forced to start thinking in terms of what is best for themselves and not the team. The organization of military life is replaced by the flexibility of almost infinite choices. They built a foundation of skills and experiences that should serve them well in life after the military, but most have no idea how to leverage this strong base to find success as Veterans.

Unfortunately, planning for life as a Veteran competes with the demands of military service. Training, maintenance, and deployments don’t stop just because a service member is in their final months in uniform. For most, carving out time to prepare for future employment, or file for medical disability, or even locate housing is relegated to after duty hours, if it is addressed at all.

As a result, too many of our newest Veterans begin the next chapter of their lives woefully unprepared. This shortfall is manifested in employment statistics, loss of medical coverage, and the pernicious number of Veterans that lack shelter. It is highlighted by the fact that the first 12 months after military service are when Veterans aged 18-34 are at the greatest risk for suicide, and we are losing them at more than twice the rate of their civilian peers.

For the vast majority, these negative outcomes are not the result of mental health issues or post-traumatic stress.That is a distorted narrative developed over two decades of a nation at war. It is reinforced in movies, television and social media. It is highly effective for fundraising, pulling on the heartstrings of a society that wants to do whatever it can to support those who served. But it does not capture reality.

For most Veterans that struggle after military service, the negative outcomes we see are the result of a poor transition. The inability to find meaningful employment or stable housing, combined with the loss of purpose and identity, start far too many on a self-destructive spiral. These journeys may end with a mental health problem, but they rarely begin there. We can do better and that starts by focusing on military transition.

What Makes a Successful Transition

The components of military transition matter. It is not enough to attend a few mandatory classes or develop a generic resume. It takes time, effort, and the support of local communities to set our newest Veterans up for lasting success.

We must build in time for those leaving the military to think about their future, plan accordingly, and take full advantage of the range of programs and services available to them. Simply understanding that a disability claim should be filed before the last 90 days of service in order to receive benefits immediately after transition is lost on too many veterans. Learning about this in a class that most attend within 90 days of separating from service does them no good.

We must do a better job sharing information about incoming Veterans with the communities they will soon call home. Understanding the needs of incoming Veterans and their families puts destination communities and support organizations on a proactive footing. It is far better to help a new Veteran receive assistance for housing the day they arrive than to find them weeks later homeless or seeking shelter.

Finally, our work has shown that having a mentor to help guide a Veteran on this journey makes a quantifiable positive difference. Simply connecting with a resource that can provide local knowledge about a community, from schools to the job market to housing, takes a level of stress off a transitioning service member and leads to much better outcomes.

What Can I Do?

We must no longer accept a view that Veterans are broken, or that expanded mental health care is the cure for all our problems. Change begins by recognizing the awesome potential in our newest Veterans and

empowering them with the time, tools, and support needed to navigate the transition from military to civilian life. Even a small investment in mentoring a new Veteran arriving in your community makes a huge impact.

*****

Brigadier General (ret) Mike Eastman serves as the Executive Director of the Onward Ops military transition support program. A graduate of the United States Military Academy, his assignments included Deputy Commanding General, 10th Mountain Division and Commanding General, Train, Advise and Assist Command-South, Kandahar, Afghanistan.

Transition to Business HUMAN RESOURCES

By Paul Falcone www.PaulFalconeHR.com

Health and Wellness at Work. . . A Critical Way to Get 2025 Off on the Right Foot

Homeland Magazine’s January issue wisely kicks off the new year by focusing on health and wellness. We live in exceptionally stressful times, whether you’re looking at visceral political differences, catastrophic weather patterns, domestic gun violence, global unrest and warfare, or the introduction of generative artificial intelligence and its potential impact on our lives and careers. Further, Gen Y Millennials (the 45-and under crowd) and Gen Z “Zoomers” (the 25-and-under crowd) continue to test out as the loneliest, most isolated, and depressed generational cohorts on the planet—even more so than retirees in retirement homes. Being the first truly digital generation has many benefits, but the social isolation that comes with digital communication is certainly not one of them. The COVID pandemic certainly didn’t help and only exacerbated the problem.

If you’ve ever flown on a commercial airline flight, you’ll be familiar with the pre-flight instructions that in the case of decompression, put your oxygen mask on first before attempting to help others—even your own children. That’s because if you run out of oxygen first, you won’t be able to help anyone else, and you’ll both be at risk. That wisdom applies to the workplace as well. Workers have difficulty checking their frustrations at the front door before they walk into the office or shop floor, and frustrations and incivility may show themselves when people are tense or anxious.

Fears—real, fabricated, or grossly exaggerated—cause angst about the speed and impact of eliminated jobs due to the incorporation of artificial intelligence.

• Take Care of Your Physical and Mental Health First

Encouraging health and wellness in the workplace is essential for fostering a productive, happy, and balanced employment experience. Following are some practical guidelines to help you succeed in self-care in the private sector in 2025: Remember that exercise is to the heart what sleep is to the brain. Be sure you’re getting enough sleep in a healthy rhythm to maintain brain health.

Practice “Desk Wellness” by getting up from your desk and stretching or walking to combat prolonged sitting. Too much sitting is “scary unhealthy,” and setting your mobile phone timer to go off at 20- or 30-minute intervals is an incredibly healthy habit to develop, especially if you have a more traditional “desk job.”

Practice work-life-family boundaries, like logging off at designated times and avoiding after-hour emails unless absolutely urgent. Work-from-home policies don’t help in this regard, as employees often have a difficult time applying workplace boundaries when it’s so easy to log in and answer emails.

You are what you eat (and drink): Stack up on nutrientdense snacks (like fruit, nuts, or protein bars) instead of sugary treats. Keep a water bottle nearby to keep yourself hydrated throughout the day. And practice healthy ergonomics: make sure your desk, chair, and office tools are set up properly to ensure a healthy posture.

• Support Your Peers with their Physical and Mental Healthcare Needs

If your company has an EAP (Employee Assistance Program), remind anyone in need of an EAP’s confidential and free services that mental health resources, addiction or depression specialists, or assistance from attorneys or financial planners are available for free initially and may be eligible for insurance coverage if extended care is needed. Companies pay for EAP services so they can provide a confidential source of support for their workers whose personal challenges might negatively impact their job performance.

(So, it makes sense for the company and for you, as an employee, to take advantage of an EAP’s services.)

If your company offers wellness initiatives like fitness reimbursements, meditation sessions, or stress management workshops, remind your peers to take full advantage of them. Companies cut programs t hat get little employee participation and enhance popular programs

that employees actively engage in, so be sure to enlist the participation of your peers for any programs that you have a particular interest in.

Be proactive with preventative health by reminding your peers to stay on top of annual physicals, vaccinations, and dental visits, and to take sick days when they need them. Reporting to work sick doesn’t do anyone any good, especially with the COVID virus and other illnesses still rampant.

Most importantly, serve as a role model and lead by example. Be the calm in the storm. Help your peers keep a healthy perspective on the changes, disruption, and volatility coming their (and your) way. When employees see you prioritizing wellness—like taking breaks, leaving work on time, or promoting positivity—they’re more likely to follow suit.

Just remember that health and wellness start with you: you’re the first domino. Keep a healthy perspective, remember that we’re all in this together, and be that positive influence on others that helps you stand out among your peers. Remain agile and flexible, teach others what you choose to learn, and pay forward the gift you’ve been given in coming from wisdom about the changing nature of work, employee health and wellness, and self-care.

Paul Falcone (www.PaulFalconeHR.com) is a management trainer, executive coach, and bestselling author on hiring, performance management, and leadership development.

www.harpercollinsleadership.com/catalog/paul-falcone/

Commentary on Bill Gates’ Predictions: The Implications for Veterans and What Must Be Done

By Maurice D. Wilson, President and Executive Director, NVTSI aka REBOOT

Bill Gates’ recent prediction that only three job sectors—energy, biology, and AI system programming—will remain resilient in the face of artificial intelligence (AI) advancements paints a stark picture of the future workforce. As someone deeply invested in the well-being and success of transitioning service members and veterans, I find his insights both alarming and galvanizing. From my perspective, this rapid transformation in the job market poses a critical challenge for our veterans, one that must be addressed immediately if we are to prevent a worsening crisis.

The Current State of Veteran Employment

The state of veteran employment is already precarious. High turnover, widespread underemployment, and the unsettling number of veterans leaving the military without a job create an unstable foundation for this community. Without intervention, these issues will only be exacerbated by the sweeping changes Gates predicts, potentially leading to:

• Unprecedented Unemployment Rates: Veterans who lack the necessary skills for AI-era jobs could struggle to find meaningful employment, compounding existing difficulties.

• Increased Homelessness: Joblessness, combined with financial instability, often leads to housing insecurity.

• Higher Suicide Rates: The psychological toll of unemployment and financial strain can amplify the risk of mental health crises among veterans. These outcomes are unacceptable and demand urgent action.

Preparing Veterans for the Jobs of Tomorrow

At NVTSI, we have long foreseen these challenges and are working to prepare our veterans for the AI-driven future. Our proposed San Diego Veteran Workforce Development Advisory Council represents a critical step toward addressing these issues. By bringing together stakeholders—veteran service organizations, employers, educational institutions, and policymakers—we aim to develop actionable strategies to ensure our veterans are ready for the workforce of the future.

This council will focus on:

Identifying Emerging Opportunities: Aligning veterans’ skills with fields that Gates predicts will remain viable, such as renewable energy, biotech, and AI system programming.

Providing Tailored Training: Developing programs that equip veterans with the technical and digital literacy skills needed to excel in high-demand industries. Supporting Holistic Transition: Addressing the full spectrum of challenges veterans face, including mental health, housing stability, and financial literacy.

Leveraging Veterans’ Unique Strengths

While the technological landscape may seem daunting, veterans bring unique strengths to the table: discipline, adaptability, problem-solving abilities, and leadership skills. These qualities are invaluable in any workplace, especially in fields that demand innovative thinking and resilience. However, they must be paired with the right technical training to ensure competitiveness in the job market.

Programs like our REBOOT Workshop have already proven effective in preparing veterans for civilian life by teaching career readiness and mental resilience. Yet, the rapid pace of AI advancement necessitates a broader, more focused approach.

What Veterans Can Do Now

For veterans and transitioning service members, the path forward begins with:

Embracing Lifelong Learning: Acquiring new skills in future-proof fields, particularly in energy, biotech, and AI, as Gates emphasized.

Utilizing Support Networks: Engaging with organizations like NVTSI and leveraging resources tailored to veteran career development.

Participating in Workforce Councils: Joining efforts like the San Diego Veteran Workforce Development Advisory Council to stay connected to emerging opportunities and resources.

A Call to Action

The consequences of inaction are too grave to ignore. Without deliberate intervention, the shifting job market could leave countless veterans unprepared, unemployed, and vulnerable. As veterans, we have already served with honor and resilience. Now, we must bring that same determination to the task of navigating and thriving in a new economic reality.

Through strategic collaboration, targeted training programs, and a commitment to innovation, we can ensure that veterans are not left behind. The San Diego Veteran Workforce Development Advisory Council will be a key part of this solution, uniting the resources and expertise needed to empower our community.

The future of work is changing. Together, we must ensure that the veterans who have served our nation are ready to lead in this new era. With urgency, resolve, and vision, we can make this transition not just a challenge but an opportunity for growth and success.

About the Author

Maurice D. Wilson is the President and Executive Director of the National Veterans Transition Services, Inc. (NVTSI), where he leads initiatives to empower veterans through career readiness and workforce development. He serves on the Advisory Board of the Call of Duty Endowment and WorkingNation.com and is the First Vice President of the San Diego Veterans Coalition. A former Navy Master Chief, Wilson is committed to ensuring that transitioning service members and veterans are equipped to thrive in civilian life.

Finding a job in the civilian workplace may seem easy at first. After all, you have learned skills, practiced leadership and demonstrated initiative that will make you successful wherever you go.

The reality, though, is that it can be difficult. In fact, it can be downright depressing demotivating and you may feel totally disillusioned. We can help.

In our Veterans In Transition archives you will find helpful and informative articles about what’s next in transition, veterans in business, career, advice, tips, workshops, transition to education, entrepreneurship, veteran franchises, legal tips & resources for veteran businesses and much more...

For assistance in your journey please visit:

www.homelandmagazine.com/category/veterans-in-transition

VETERANS

Veterans Make Great Entrepreneurs FRANCHISE DREAMs

By Doug Dwyer doug.dwyer@dreammakerbk.com

Tribute to My Father and Founder of VetFran, Don Dwyer

I wanted to honor my father Don Dwyer, who passed away 30 years ago on December 4th,1994. Not only was Don my earthly father, but he also served in the United States Army and founded an organization called VetFran to support veterans returning from the Gulf War transitioning to the civilian economy.

As I reflect back on my father, he really set an example for my brothers and sisters and me, of work ethic, setting goals, having a positive mental attitude, and to be willing to learn from everyone. In so doing you can develop greater skill levels. He also modeled treating everybody with respect.

I appreciate that my dad loved me in many different ways, even though he could be very tough and demanding. My father (like I’m sure with yours) was not a perfect man. But with that said my father taught us to count our blessings and to make the best of what we have, because life is not going to be perfect.

In the photos you’ll see my father and I together, the signing of VetFran into existence, and a song he wrote about family just a few years before he passed away. I know it’s meaningful to my personal family, but also to the business family we have shared it with over the years.

William B. Cherkasky (President), Donald J. Dwyer (Founder-Chairman), Thomas E. Lorentzen (Acting Associate Administrator) www.vetfran.org

I share this tribute out of love, admiration, and appreciation for my earthly father. Yet, I am reminded in Ephesians 6:2 - the Lord shares with us to honor your father and mother. This is one way to do that, and the other way is to honor them by living a life of love and excellence that is grounded in God’s truth.

I also want to honor my heavenly father. In Leviticus 19:3 it states, “Each of you must respect your mother and father” and by doing so, you are pleasing God. I thank my heavenly Father for blessing me with my earthly father Don Dwyer!

We celebrate my father’s life, legacy, and support of veterans. God Bless!

Doug Dwyer is the President & CSO of DreamMaker Bath & Kitchen, a company dedicated to helping its remodeling franchisees achieve Strong Margins and a Quality of Life. doug.dwyer@dreammakerbk.com

The signing of VetFran into existence on 8/14/91

WHY VETERANS & FRANCHISING ARE A PERFECT FIT

Veterans emerge from service with strong leadership skills and a thorough understanding of teams. Franchisors have long recognized that entrepreneurial veterans are some of the best qualified, motivated and successful prospective franchisees.

Franchises provide training. A franchise business operates on proven systems and defined procedures and has comprehensive training and support built into the franchising process. This means a veteran can enter a completely new field and is more likely to succeed by following the franchisor’s proven business model. franchise businesses offer discounts to veteran prospects.

“As a Marine Corps veteran, I know the value of teamwork and dedication. At VetFran, we’re committed to helping fellow veterans turn their skills into successful franchise businesses and achieve their entrepreneurial dreams.”

of franchisees in the United States are veterans.

Sean Falk

President Careertopia

Former Captain, USMC

VetFran Chair

legal Eagle

Straight-forward legal tips for Military and

Veteran Business Owners

By Kelly Bagla, Esq.

BEFORE STARTING A BUSINESS

Thinking about starting a business? If you are –Brilliant! Congratulations on taking control of your life and being part of the 31.7 million small businesses in the USA. Before jumping in with both feet, it’s important to research your industry, find competitors, understand risk and map out your finances before starting your business.

Starting a business can be stressful, but having the independence of being able to provide for your family is beyond security. Starting a business does come with work, often feeling like there are a thousand things to work on all at the same time. There’s no avoiding this reality for new small business owners, but with planning, it’s possible to manage expectations and take actions with a sense of purpose toward building your business.

Many people who have started businesses usually take these steps:

• DO YOUR RESEARCH.

You should understand the industry you’ll be involved in so you can dominate it. No matter how unique you might think your business idea is, you should be aware of what your competitors are doing. What’s worked for them and what’s not so you can avoid their mistakes.

• DETERMINE YOUR AUDIENCE.

Spend time considering who your target demographic will be. This audience will be the driving force in each decision you make. Understanding who needs your product or service can help fine tune your offerings and ensure your marketing and sales strategies are reaching the right people. Part of this decision us understanding if you are a business-to-consumer (B2C) or business-to-business (B2B) enterprise. Within those parameters are multiple categories, including but certainly not limited to age, gender, income and profession. You cannot earn a profit without your customers, so understand who they are and make them your priority.

• HAVE A STRONG MISSION.

Standing out is no easy task and no one magic formula guarantees results. However, knowing your business’s purpose is central to guiding these decisions. By spending time on what’s important to you, what your business’s strengths will be, what differences you want to bring to your target market, and what purpose will those differences serve, you can create a strong mission statement that will reflect your business beliefs. Staying true to yourself will show your audience that your business will be consistent, and your customers can rely on you for the same professional quality of goods and service. It’s only appropriate to mention that one of my favorite quotes is “Why Blend In When You Were Born To Stand Out.”

•

MAP YOUR FINANCES.

Starting a business requires money that you likely won’t have right away. This is why you need to seek out ways to acquire capital. Most entrepreneurs start a business with a very limited amount of capital. However, there are plenty of options available to an inspiring business owner. The first and most common place to seek capital is from friends and family. If that is not enough, expand the search to angel investors and then venture capitalists. Should these options not provide the amount needed, then apply for business loans through banks and small business associations (SBA).

• UNDERSTAND THE RISK.

Of course, there will always be a level of risk involved with launching a new business venture, but calculating, understanding, and planning for risk is an important step to take before you start working on your business. This means assessing your industry’s risks before moving forward with a business plan. Risks can come in many forms, as mentioned, industry risks, financial risks, loss of customer interest, and most importantly, being sued and loosing everything. Planning and preparing as much as you can for business related risks could save your business from going under and save you thousands in hard earned money.

Business plans come in many forms, for example, business plans to raise money, business plans to expand operations, and business plans to start a business. The latter one is the type of business plan you want to start with. Keep in mind a business plan is a live document that will change when your business needs change or expand. It can be tedious drafting a business plan but its essential to keep your business on track. Start the business plan by first outlining the steps you need to take for a successful launch and continued growth. Include the following: your mission statement, a description of your business, a list of your products or services, an analysis of the current market and opportunity, a list of decision makers in the company, along with their bios, and finally your financial plan outlining how and when the money will be used.

Becoming a business owner, you control your own destiny, choose the people you work with, reap big rewards, challenge yourself, give back to the community, and you get to follow your passion. Knowing what you’re getting into is smart business because the responsibility of protecting your family and yourself falls on you.

For more information on how to legally start and grow your business please visit my website at www.BaglaLaw.com

Disclaimer: This information is made available by Bagla Law Firm, APC for educational purposes only as well asto give you general information and a general understanding of the law, and not to provide specific legal advice. This information should not be used as a substitute for competent legal advice from a licensed professional attorney in your state.

Insurance Info & Risk Management Tips

By Hadley Wood www.hlinwood-insurance.com

Home-Based Business Risks

It is hard to believe that we are now in 2025! A new year is always a good time to start something new and many people might be thinking of starting a homebased business.

It is a great way to make extra money, have more time with family or launch a passion project. Whether it’s just a side-gig or a full-time business, there is risk involved. Here are a few things to remember when it comes to covering your assets and protecting your interests with a home-based business:

• Your homeowners insurance or renters insurance DOES NOT cover your business operations, equipment, inventory or business exposures. Homeowners insurance was never set up to cover business exposures so there are many exclusions in the insurance policies that will limit your coverage.

• If you are marketing your business and services on social media and mistakenly use another person’s picture, trademark or intellectual property, you could be sued and a business policy could provide protection from this. Homeowners will not.

Michael Kidd

• If you are distributing another person’s product or selling their services, you want to make sure you have a solid agreement with that person/company that includes having them add you as Additional Insured to their policy along with Release of Liability/Hold Harmless language. This is very important because even if you have a basic General Liability policy, you may not have

product liability or professional liability coverages and if you are named in a lawsuit, you will want their coverage to provide defense to you.

• If you are shipping product from your home, especially high value product, make sure to insure the shipments separately. This is generally not included in a basic insurance policy and it could get very costly if many units never arrive to the customers or arrive broken and damaged.

• If you are storing inventory at your home, you will want to make sure this is included in your business insurance package. If it gets damaged or stolen, you want to make sure it is covered.

• If you hire others to help you with the business, even family members, make sure to abide by the workers compensation laws of your state. States are cracking down on this and the fines and penalties can be huge. Make sure to check your state guidelines and reach out to an HR professional consultant to help you navigate this.

• If you have others driving their own vehicles to assist you in your business operations, you will want to have hired/non-owned vehicle coverage. If they were to get into an accident while they were driving for business reasons, you and your company could be brought into the lawsuit and this coverage could protect you. This can often be added to a business insurance package (BOP) for minimal cost.

• If you decide to be a part of a non-profit advisory or Board, make sure they have a Directors and Officers policy in place to cover the Board. This is extremely important, especially if you have many assets to protect.

If you do decide to jump into 2025 with a mission to start a new home-based business, just remember to think about the risks and make sure to talk with your insurance broker. I hope it is a success and brings fulfillment and prosperity to you!

Cheers to the New Year!

If you have any Business Insurance questions, please reach out to me. www.hlinwood-insurance.com

BUSINESS FOR VETERANS

By Barbara Eldridge www.mindmasters.com

Accelerate Your Success!

Are you ready to start the New Year with new goals? New things require new strategies, new tactics and new plans. We use Goal Setting for various broad areas of our life … why not set a goal to master prospecting, to be a champion Prospector, an expert on the subject, or the World’s Best?

and keep the conversation going. Don't let fear of rejection hold you back from reaching out and building your network.

5. Practice Active Listening: Listening closely to the needs and desires of your prospects allows you to tailor your approach and build trust. When you actively listen, you can uncover valuable insights that will guide your pitch and sales process.

1. Embrace Spaced Repetition: Just like a child learning new words, spaced repetition is vital for mastering prospecting. Regularly reviewing your contact lists, touching base with leads, and repeating your sales pitches or referral requests helps cement these actions in your routine.

2. Use CRM and Database Systems: A well-maintained CRM system will help you track and categorize your leads, reminding you when to follow up and ensuring you never lose track of a valuable connection. Treat your database as a goldmine—manage it well, and it will yield results.

3. Master Your Referral Pitch: Having a well-practiced referral pitch is essential. The more you use it, the more natural and persuasive it becomes. Practice asking for specific leads that align with your ideal client profile to ensure you are targeting the right prospects.

4. Make the Phone Your Ally: Many solopreneurs dread picking up the phone, but this is a vital tool for prospecting. Reach out to your Centers of Influence (COIs) and clients to ask for referrals, express gratitude,

6. Refine Your Sales Process: Every stage of the sales cycle is an opportunity to fine-tune your approach. Whether it's how you initiate contact or the way you close deals, tweaking your strategy based on feedback and results is crucial for improvement.

7. High-Priority, High-Payoff Activities: Focus on the activities that directly drive business growth. Practice these key skills relentlessly to ensure you're always improving, whether it's asking the right

questions, refining your communication, or following up effectively.

By putting in the time and effort to practice prospecting consistently, you're not just gaining more leads—you’re building a robust system that will continue to bring you opportunities and success. Consider evaluating your prospecting toolbox regularly to ensure you're staying sharp and adapting to changes in the market or your business.

Barbara Eldridge has built a solid reputation as a Results strategies specialist, within industry and business over the past 40 years. Her unique message, since starting Mind Masters 30 years ago for entrepreneurs and small business owners, continually stresses vision, purpose and values as the key elements of business philosophy. Her undying compassion for the entrepreneur’s journey, her tireless capacity to listen, and her sincere enthusiasm for other’s success have insured her growing influence and her own mastery with MIND MASTERS. www.mindmasters.com

Veterans Chamber of Commerce

By Joseph Molina www.vccsd.org

Writing an Effective Personal or Professional Plan for 2025

Setting and achieving meaningful goals can transform your personal, professional and/or business life. An effective goals plan doesn’t just list aspirations; it provides a roadmap with numerical timelines and measurable outcomes. Here’s a step-by-step guide to creating a personal or professional plan that will keep you focused in 2025.

Step 1: Reflect on 2024

Before planning, analyze what worked and what didn’t in the past year. Ask yourself:

• What were my biggest accomplishments in 2024?

• Which areas of my life (e.g., career, health, relationships) need the most attention?

Step 2: Define SMART Goals

Your goals should be Specific, Measurable, Achievable, Relevant, and Time-bound. Instead of saying, “Get in shape,” set a SMART goal like, “Lose 10 pounds by June 2025 by exercising three times per week”.

Step 3: Break Down Your Goals into Milestones

Large goals can feel overwhelming. Divide them into smaller, actionable steps with deadlines. For example, if your goal is to launch a business in 2025, milestones could include:

• January: Research and finalize the business idea.

• February-March: Create a business plan.

• April: Register the business and set up operations.

Step 4: Assign Deadlines and Prioritize

Timelines keep you accountable.

Assign deadlines to each milestone and rank your goals in order of importance (1 - 5) Ask:

• What tasks must be completed first?

• Are there resources or people I need to reach out to for help?

• How will I adapt if unforeseen challenges arise?

Step 5: Measure Success

Define how you’ll track progress and measure outcomes. For instance:

• If your goal is career advancement, track job applications, skill certifications, or networking events attended and interviews completed.

• If it’s a personal goal like improving relationships, track quality time spent or specific improvements in communication.

Step 6: Stay Flexible and Review Regularly

Life is unpredictable. Regularly assess your plan and adjust as needed. Schedule monthly check-ins to review progress and recalibrate if necessary.

Goals Plan Template

Goal Name:

[Focus on Just ONE GOAL - Write a clear, SMART goal.]

Identify your Why?

[Describe how achieving this goal aligns with your values or long-term aspirations.]

Milestones and Deadlines:

1.Milestone 1: [Write the task and completion date.]

2.Milestone 2: [Write the task and completion date.]

3.Milestone 3: [Write the task and completion date.]

Resources Needed:

[List tools, resources, or support systems needed to achieve this goal.]

Potential Challenges and Solutions:

[Identify possible obstacles and how to address them.]

Success Metrics:

[Explain how you’ll measure progress and success.]

Questions to Ask Yourself

1.What inspires me to pursue this goal?

2.How will I celebrate small wins along the way?

3.What mindset or habits do I need to cultivate to succeed?

By following these steps and using the template, you can craft a clear, actionable plan for 2025.

If you encounter any issues and would like our help, just send us an email at: veteransccsd@gmail.com

The National Veterans Chamber will be more than happy to meet with you and provide some guidance. Check us out at: www.vccsd.org (Our Chamber of Commerce Membership is FREE for all Military/Veterans and their extended families)

https://forms.gle/6ZTt4QCK8EVFvkW18

OPPORTUNITIES IN LAW ENFORCEMENT

You’ve served your country, now serve your community!

Military and law enforcement have had a longstanding relationship with overlaps in training exercises, equipment, and, most important, personnel.

It is not uncommon for a service member to make the jump from the military to law enforcement as both professions look for the same characteristics; leadership, fidelity, chain of command, and teamwork are all common themes in both professions.

Quite understandably, many American military veterans often gravitate to a career in law enforcement when the time comes to rejoin the civilian workforce.

The two professions have many fundamental similarities; from the uniforms they wear with pride, to the firm command structure they serve under, to great personal risk they endure while protecting those who cannot protect themselves.

VETERANS IN LAW ENFORCEMENT

The following agencies are actively hiring & proudly support our veterans, active military and the families that keep together.

From Navy Sailor to San Francisco Police Officer

By Holly Shaffner

Changing careers can be exciting, exhilarating, and filled with trepidation. Meet Officer Cindy Ovares who has made the transition numerous times – from active-duty service member, to student, massage therapist, teacher, and now police officer.

The life experience she gained in those previous longterm jobs set her up to be successful today. She is doing what she’s always wanted to do – have a career that is challenging and rewarding.

Cindy was like many seniors in high school as she contemplated what she would do after graduation. When the Navy recruiter called the house looking for her brother, the recruiter instead got an eager, independent 17-year-old woman who wanted to find adventure. Just a few months later, she was off to “see the world” and start her first career.

As an Aviation Machinist’s Mate, Petty Officer Ovares was a jet engine mechanic. It was a male-dominated job, and she wanted to prove that anything a man could do, she could do better. She attended military schools in Florida and Virginia to learn her trade, and was later stationed in Lemoore, California. She was attached to VFA-22, an F/A-18 Super Hornet squadron, that deployed on ships. After serving four years on active duty, she earned Post 9/11 GI Bill education benefits, and chose to leave the Navy to attend college.

After completing her bachelor’s degree in Secondary Education and being a fluent Spanish speaker, she was hired to be a high school Spanish teacher. The job was gratifying; but also, under resourced, understaffed, and had little room to grow professionally. She wanted something new and challenging, was drawn to the community where she grew up, so, in her late 30s she applied to be a police officer.

“Being able to talk to people, figure out what they are going through, and what they need is a huge portion of the job. I enjoy interacting with the public, and engaging in what I call verbal judo.”

- Officer Cindy Ovares

Officer Ovares was accepted to the San Francisco Police Academy and has been an officer for the last three years. She is a foot patrol officer working in the Tenderloin District – a 50-block area that has a storied history, and has been known for homelessness, drugs, and crime.

“Being able to talk to people, figure out what they are going through, and what they need is a huge portion of the job. I enjoy interacting with the public, and engaging in what I call verbal judo,” said Officer Ovares.

For Officer Ovares, the parallels between serving in the military and serving in law enforcement made the transition go smoothly:

• Routine – You know what to expect before your shift begins (what time to report, what uniform to wear, the structure of the day).

• Camaraderie – The bond between fellow officers is like the bond between your fellow military brothers and sisters.

• Variety – Every day is different with different assignments and duties, so the job is never boring.

• Benefits – Include a competitive salary, paid vacation days, floating holidays, and sick days, healthcare, retirement, and special pay for certain assignments and being bilingual.

As a Latina giving back to her community, she admits that the job comes with highs and lows. Officer Ovares recommends a career in law enforcement for those military members looking to make a smooth transition to a new chapter.

To learn more about the San Francisco Police Department, or to connect with recruiter, go to: www.sanfranciscopolice.org/your-sfpd/careers

SDPD Ride Along: A Story of Two Marines

By Amber Robinbson San Diego Veterans Magazine

When I asked to go on a ride along with the San Diego Police Department, making a special request for any veterans-turned-cops, I expected a really serious, possibly dangerous, afternoon of shadowing our city’s toughest crime fighters.

What I got was an afternoon of heartfelt service to our San Diego community, honorable humility and a lot of respect.

When I asked whether former Marine Sergeant Major, Mark Wright, and his partner, former Marine Staff Sergeant, Sean Bunch, had rank or titles he said their titles were just San Diego police officers. They are relatively new partners, but act like they’ve known each other for years, which is usually the case when you get Marines together.

Wright is a newer addition to the force, coming on board two years ago, with Bunch only having two years left.

Currently, these brothers-in-arms spend their days patrolling the entirety of Balboa Park.

Although neither men are taking fire or kicking in the enemy’s door on this beat, like during their time in Iraq or Afghanistan, they still work hard to serve their local community. Service which can range from tracking down criminals to answering questions from lost pedestrians, to giving out stickers to kids and never backing down from a chance to turn on those flashing red and blues just to make one of them smile.

Most of our particular day was cruising around beautiful Balboa Park running car tags to see if they were current, from cars not displaying proper plates and placards to those double parked. Bunch says they often catch parole violators or even stolen cars doing just this. I was struck as I watched both officers go out of their way to look in and around vehicles to find plates or disability placards not displayed correctly so as to avoid issuing superfluous tickets.

“We try to give everyone the benefit of the doubt,” said Wright. “We’re not out to get anybody.”

Although, both officers confirm that enforcing even the most basic of park rules can yield large payoffs. During a recent patrol Bunch spotted an individual smoking in the park, which is illegal. As he circled back round, the individual turned and rapidly tried to walk away, which activated immediate suspicion. He was detained and came back with a warrant for numerous kidnapping and child molestation charges.

Both men say a lot of what they do is talk with museum owners and those living in the neighborhoods surrounding the park about their concerns. A shared concern by all is the park’s homeless population.

Bunch says their posture towards the homeless is mostly that of assistance, adding there are many resources available for those who would take them.

Officer Sean Bunch

Officer Mark Wright

The city spends a lot of money on resources,” said Bunch. “The biggest problem we run into is whether or not the [homeless] people want them, and a lot of them don’t.”

Thus, the men tend to run into the same issues with the same people pretty often. Although frustrating, they have learned that respect goes a long way when challenged with these repeat offenders. Bunch recalls spotting one such offender in the park, who was in violation of his parole and wanted on warrant. He was unable to get to the offender immediately, but still apprehended him with a verbal request. The parolee waited patiently to be hand-cuffed and arrested, simply out of the respect he held for the law man.

“Being respectful of everyone despite their lot in life goes a long way in this job,” said Wright.

Both men say a huge part of their work is being able to connect and communicate with the myriad of people they meet daily.

Bunch says he feels he and Wright are lucky to come to the force later in life, given it means they have a wider frame of reference for those they meet and serve daily. “We deal with people who are going through all kinds of things in life,” said Bunch. “And it’s helpful to be able to say, ‘hey I know what you are going through, I’ve been there.”

As the day progressed, I realized that both gentlemen definitely had a long list of tough and unique life experiences to pull from. Both proudly served the United States Marines for years, traveling to war and all over the world, experiences that yield much wisdom as well as many a story.

Bunch, for instance, did not come to the force straight from the Marines, but from Hollywood. Surprisingly, he is a member of the Screen Actors Guild, working as a military advisor on various productions, like Lonestar 911, and appearing in some as well, such as one of the most recent Men in Black movies.

“I grew up outside of LA,” said Bunch. “So, I’ve always just kind of been around the business and found a place for myself there with all my military experience.”

Bunch hopes to return to work in Hollywood after he leaves the force, bringing with him a new level of experience and respect.

Wright, who retired from the Marines as a Sergeant Major never worked in Hollywood, but he does have plenty of stories about being a proud grandfather, father and new amputee. When I entered the Central Division Station and met him, he said he was just getting back to work after some time off after losing his leg.

Wright remained unscathed during his over-20-years in service, overseas deployments and endless combat train ups. It wasn’t until after service that he lost his leg in a motorcycle accident late one foggy night a little over a year ago. Wright says it had been an eventful second watch and he was leaving the station about 2 AM on his motorcycle when it happened.

“It was only about two minutes from work,” said Wright. “I was coming around a curve and entered into what I thought was fog, and as I’m entering, I see a headlight and side mirror in my lane.”

That headlight and mirror became an entire car that was blocking Wright’s entire side of the road.

“I was a heuy crew chief in the Marines and reverted to my training from that, grabbed my shoulders, braced for impact and went flying like a human lawn dart over my handlebars,” said Wright.

Wright landed in the ditch on the side of the road. He says he realized immediately that he had a back and leg issue. He learned that a bystander had called 911, but he requested they call back and state that the injured motorcycle rider was a policeman with the San Diego Police Department and expedite services. This one request would become pivotal in saving Wright’s life.

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“What I didn’t know at that time was that I had severed two arteries in my leg, and I was bleeding out,” said Wright.

What Wright would learn later is his heel had also been torn off on the wrecked car as he sailed past it into the ditch. After much pain and many surgeries, Wright would finally lose his leg from the knee down. says he doesn’t let it get him down, though. He’s proud to continue to serve as one of our city’s finest.

Both he and Bunch take much pride in their time as Marines and as San Diego Police Officers. Each officer comes from strong military stock, with Wright’s grandfather being a World War II veteran and Prisoner of War and Bunch’s father a decorated veteran of Vietnam.

All in all, this Army vet’s afternoon with two Marines was an impressive one. Both seasoned public servants, these honorable men have discovered you must give respect to get it, that violence is often not the answer and the most important thing to keep in mind along the way, is a good, human dose of empathy.

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Officer Sean Bunch - Amber Robinson (Homeland Magazine) - Officer Mark Wright