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Vol. 3 Issue 1 • February 1 - March 21, 2015
Emerging Business of the Year:
Dr. Tejumade St. Matthew-Daniel (right) of All About Beautiful Smiles at the 2014 Prestige Awards, with Board of Directors Michael Fraher and Trisha Fohr.
Community News
•
Real Estate
•
Events
•
Health & Fitness
•
Restaurant Guide
•
Finances
•
Classifieds
TO ADVERTISE CALL: 407-509-8010 / 1-877-552-2263 (ext. 111)
For A List Of Weekly Events Visit Our Web site!
drphillipschamber.org
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February 1 - March 21, 2015 — THEDRPHILLIPSPOST.COM COMMUNITY NEWS The Dr. Phillips Chamber of Commerce Prestige Awards:
A Night of Celebration
by Raúl Morales
Business Development Officer; Gold Sponsor State Farm, Andy Phillips, Agent; and Silver Sponsor Ameriprise Financial Services, Michael Fraher, Financial Advisor and Franchise Owner. The event began with an introduction by Trisha Fohr and Michael Fraher, highlighting the Chamber’s history and accomplishments. The Dr. Phillips Chamber of Commerce began in November 2008 with only 13 members. Today, it has over 250. Laura Burk of Game Plan Media provided the PowerPoint presentation. Maggie Rosario introduced the Chamber’s Board of Directors: Trisha Fohr, Michael Fraher, Laura Burk, Julie Levine, Denise Parkhill, Ravina Claussen, Lorraine M.
Durham, Esq. and Dario Marcovigi. The Prestige Awards winners: Business of the Year: John Stiteler from Total Health Guidance; Emerging Business of the Year: Dr. Tejumade St. MatthewDaniel of All About Beautiful Smiles; Home Base Business of the Year: Pat Orr of South Hill Designs; Favorite Location: Costco, represented by Judy A. Aidi, Marketing Membership Coordinator; and Volunteer of the Year: Pastor Brent Bailey of Direction Church. The excellent service provided by The Point Orlando Resort General Manager Jeff Swirsky and Sales Manager Victoria Jennings and their staff, also contributed to the success of this year’s Prestige Awards. The Point Orlando
Index
p.4. . . . What Every Small Business Needs to Know About Payroll p.7 . . . . . . . . . Classifieds p.8 . . . . . . The Dr. Phillips Chamber of Commerce Events
Maggie Rosario
thedrphillipspost.com COPY EDITOR: Raúl Morales CONTRIBUTING WRITERS: Raúl Morales Michael Fraher Monica Chavero
GRAPHIC DESIGN: Mary Fichera
ADVERTISE HERE
CALL 877-552-2263
CONTRIBUTING PHOTOGRAPHERS: Julia Smith Tony Rosado Marv Broderick
Michael Fraher, Financial Advisor of Ameriprise Financial Services and Maggie Rosario, President & Founder of the Dr. Phillips Chamber of Commerce.
Board of Directors Ravina Claussen of AXA Advisors, LLC and Lorraine M. Durham, Esq. of Durham Legal Group.
Gold Sponsor: State Farm, Andy Phillips, Agent and his wife, Connie.
Emerging Business of the Year: Dr. Tejumade St. Matthew-Daniel (right) of All About Beautiful Smiles, with Board of Directors Michael Fraher and Trisha Fohr.
Volunteer of the Year: Pastor Brent Bailey of Direction Church, with Board of Directors Michael Fraher and Trisha Fohr.
Favorite Location Winner: Costco, represented by Judy A. Aidi (center) Marketing Membership Coordinator, with Board of Directors Trisha Fohr and Michael Fraher.
Make your first choice the right choice. FOR ADVERTISING CONTACT Tel: 407-509-8010 1-877-552-2263 (ext. 111) info@thedrphillipspost.com advertising@thedrphillipspost.com maggie@cmdmagazine.com
MAILING ADDRESS: P.O. Box 691991 Orlando, FL 32869-1991 The Dr. Phillips Post is published 10 times a year by CMD Magazine LLC. All rights reserved. All texts, photos and logo are copyright materials. Reproduction whole or in part without the written consent of The Dr. Phillips Post is strictly prohibited. The Dr. Phillips Post will not be responsible for the accuracy of statements. Opinions expressed are those of writers and not necessarily those of The Dr. Phillips Post.
Home Base Business of the Year: Pat Orr of South Hill Designs.
Few decisions have the lasting impact on your child as that of your school choice. During these formative years life-long friendships are made, spiritual formation takes place and values are instilled. At The First Academy, we partner with you in making these days the very best that they can be.
AN WER D MID LO
#
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p.4 . . . Five Steps to Feel More Confident About Your Retirement
Publisher & Founder Editor-in-Chief
Business of the Year: John Stiteler from Total Health Guidance, with Board of Directors Trisha Fohr and Michael Fraher.
P
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1
CHOOLS ES DL
p.2 . . . . . . The Dr. Phillips Chamber of Commerce Prestige Awards: A Night of Celebration
Resort is located at 7389 Universal Blvd. Orlando, FL 32819.
N
n the evening of Tuesday January 20, 2015, the Dr. Phillips Chamber of Commerce presented the 2014 Annual Prestige Awards. The event was held at The Point Orlando Resort on Universal Boulevard. Maggie Rosario, President and Founder of the Dr. Phillips Chamber of Commerce, expressed her appreciation to all the members of the Chamber for their support throughout the past year. The Chamber’s main focus is to help local businesses grow in the Dr. Phillips area and surrounding communities. Maggie Rosario was also appreciative of the sponsors who made this event a huge success: Platinum Sponsor Centennial Bank, represented by Trisha Fohr,
BLUE RIBBO N
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Proud member of The Dr. Phillips Chamber of Commerce
The Official Newspaper of the Dr. Phillips Chamber of Commerce
A Christ-Centered K4 – Grade 12 College Preparatory School | 2667 Bruton Blvd., Orlando, FL 32805 | thefirstacademy.org The First Academy does not discriminate on the basis of color, race, gender or ethnic origin.
THEDRPHILLIPSPOST.COM — February 1 - March 21, 2015
FINANCES
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FINANCES Michael Fraher, MBA, ChFC®, AEP®, CRPC®, RFC®, LUTCF Financial Advisor, Franchise Owner Ameriprise Financial Services, Inc. 719 Peachtree Rd, Suite 100 Orlando, FL 32804. (407)206-7487
Five Steps to Feel More Confident About Your Retirement
I
t’s natural to have mixed emotions about retirement – it’s a huge life change that people spend most of their working life preparing for. While the thought of retirement is exciting, the options and advice available can sometimes seem overwhelming and complex. There are several simple things you can do if you’re feeling unprepared for your retirement years. Check out
the following steps to help you get ready for this milestone. 1. Determine your vision. One of the most enjoyable parts about planning for retirement is deciding how you’ll spend your time. Though you could just be looking forward to relaxing, you may also decide to move to a different area of the country, travel, volunteer or spend more time
February 1 - March 21, 2015 — THEDRPHILLIPSPOST.COM with family and friends. Your plans can always change, but creating a list of activities you may want to pursue is a valuable and fun part of the planning process. 2. Start with the basics. Developing a written plan is the first important step, but before you get caught up in the numbers, determine what you will absolutely need to cover expenses that are truly essential. Include basics like groceries, mortgage payments, healthcare costs and other financial obligations. You may want to make a list of areas where you could cut back and reduce your expenses if you hit a financial roadblock in the future. 3. Make your plans concrete. Many people get hung up on this step, as it can come with a tough reality check. To begin, calculate how much money you’ll
need to cover your essentials over the course of a 30 year retirement, and then add discretionary expenses that accompany activities and lifestyle goals – such as travel and hobbies. Be honest with yourself and try to account for cost-of-living increases and rising healthcare costs in your projections. This will give you a rough estimate of how much “income” you’ll need in retirement to replace your paycheck and achieve your desired lifestyle. Then consider all the sources you can draw this income from – such as a 401(k), annuities or cash savings. Also consider breaking this amount down into smaller goals that you can more easily prioritize, manage and track. 4. Protect your plan and your legacy. Ensure the beneficiary information on your accounts is up-to-date and that you have the right
insurance and protection plans in place to safeguard your income and assets now – and for the longterm. Also begin thinking about the legacy you want to leave – to your family or to organizations that are important to you. Involve your loved ones in these conversations and clearly communicate your intentions and expectations. 5. Track your progress. As with all goals, it’s important to set milestones, check-in and reflect as you go. Keep in mind that a little time and organization goes a long way. Set aside one day each month to sit down with your finances, and also consider meeting with a legal and financial professional annually. Even if your goals still seem far away or if you’ve experienced a setback, you won’t regret spending the extra time to review your progress. This also provides a good op-
portunity to make adjustments if your situation or plans for the future have changed. Retirement planning can be a complicated, emotional and overwhelming process. Consider seeking objective advice from a professional financial advisor who can guide you through it and ensure you’re aware of all your options. It’s important to keep in mind that the surest way to feel confident about what’s to come is to do everything you can to prepare for it. With 19 years of experience, Michael Fraher specializes in fee-based financial planning and asset management strategies. Member FINRA, SIPC.
by Monica Chavero
What Every Small Business Needs to Know About Payroll
T
he payroll is an integral part of any business’s operations. Prompt and accurate payroll is not only important for properly compensating employees and maintaining positive morale, but it also plays a big part in the net earnings of most
businesses. It must also meet regulations on the local, state and Federal level. If you are a small to midsized business owner without a department to handle payroll, it’s up to you to ensure that everything gets
Complete HR Services
taken care of correctly. This can be overwhelming at times. Even if you only have a few employees, doing payroll can get complicated, especially with the ever-changing laws and regulations.
and the amount of taxes withheld from his or her paycheck. The employer must send this to an employee at the end of the year.
The Components of Payroll EARNINGS You need to calculate the number of hours each employee works by his or her regular pay rate, including overtime hours. DEDUCTIONS Once the grand total has been calculated, it’s time to make the necessary deductions and subtract them from each employee’s earnings. The most common deductions are: Social Security, Medicare, State Income Tax and local tax. PAYCHECK DISTRIBUTION It’s usually up to you, the employer. There are no Federal laws that dictate the
frequency in which you must distribute paychecks. BONUS PAYROLL Adding bonuses to employees’ paychecks is definitely a nice gesture and can increase employee loyalty. COST OF LIVING ADJUSTMENT The Cost of Living Adjustment (COLA) is a term that affects how much is paid out to Social Security. This accounts for the rising costs of basic necessities to live. W-2 FORM The W-2 form reports an employee’s annual wages
Outsourcing is an option for business owners. Due to the complexity and timeconsuming nature of payroll, many business owners opt to outsource it to a Human Resources Outsourcing (HRO) firm. HROs offer a range of services that can accommodate the individual needs of practically any business regardless of the industry. For more information, visit www.rmi-solutions.com or call Monica Chavero at 800-508-0048, Cell: 407-744-6858.
THEDRPHILLIPSPOST.COM — February 1 - March 21, 2015
COMMUNITY NEWS
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HEALTH
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www.TotalHealthGuidance.com The Dr. Phillips Chamber of Commerce
HEALTH PROFESSIONALS of Dr. Phillips Dr. Karen Evans is a metabolic anti-aging physician, trained by the Academy of Anti-aging Medicine.
The Health Professionals of Dr. Phillips helps promote Chamber members in the medical profession and members serving the Medical & Health industry.
(407) 203-0936 www.renumedicalwellness.com Windermere Business Center 6735 Conroy Windermere Rd., Suite 314 Orlando, Florida 32835
Location: The Rialto Apartments (Lounge Area) 7343 W. Sand Lake Rd., Orlando, FL 32819
Meets the LAST THURSDAY of every month Time: 4:00 pm - 5:30 pm Please RSVP: info@drphillipschamber.org
HEALTH PROFESSIONALS of DR. PHILLIPS Powered by The Dr. Phillips Chamber of Commerce
FOR INFORMATION CALL 407-749-0333 www.drphillipschamber.org
CLASSIFIEDS
THEDRPHILLIPSPOST.COM — February 1 - March 21, 2015 HOME FOR SALE HOME FOR SALE Dr. Phillips 24 hour Guard
Gated Community Vizcaya Single Home 4/3 with Pool
$499,000
EMPLOYMENT Sales Person for Advertising Department
321-946-1855
Delivery Person
Best Prices in Town!
email: Maggie@cmdmagazine.com
Single Panels Full Rescreening Lanai & Porches Aluminum Repair Pool Enclosure Wash
EMPLOYMENT Now Hiring Part Time
Dr. Phillips Chamber of Commerce Marketing Department
407-749-0333
407-509-8010 The Dr. Phillips Post & CMD Magazine
are Hiring in Orlando
HOME & BUSINESS IMPROVEMENT / SERVICES
Do you believe in Ghosts? I do – I’m a Ghost Writer. Want to get that book published in 2015? Let’s talk; I’m a friendly Ghost Writer.
Journalist
1-877-552-2263 CLASSIFIEDS To Place Your AD Here
CALL 1-877-552-2263 www.thedrphillipspost.com
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REACH MORE PEOPLE LOCALLY The Dr. Phillips Post & CMD Magazine Affordable Office Space for Rent - Near Dr. Phillips and right off International Drive. Rent includes, Internet, Electricity, Conference Room, Lots of parking space, 24 hour video surveillance and Much More. Small or large office space available. For Information Call 407-574-7833.
FOR ADVERTISING INFORMATION CALL
407-509-8010 or 1-877-552-2263
7
P.O. Box 691991 Orlando, FL 32869-1991
NEW HOMES FOR SALE
JUMP START YOUR BUSINESS with the Dr. Phillips Chamber of Commerce Your Local Chamber
I have been a Real Estate agent for Over 10 years and Specialize in selling NEW HOMES.
As a member you will gain many business benefits, including:
Migdalia Rosario Overton Realty
To schedule an Appointment to View New Homes
CALL: 407-574-7833
In Orlando & Kissimmee
JOIN THE CHAMBER AND START TAKING ADVANTAGE OF THESE BENEFITS Dr. Phillips Chamber of Commerce 5850 Lakehurst Drive, Suite 1519 Orlando, FL 32819
Single Homes From $230,000 - $450,000 Townhomes From $170,000 - $300,000 Photos, illustrations and plans are shown for reference only. Photos may depict upgraded kitchen, landscaping, display and furnishings not available for purchase. Please refer to the Purchase Contract to determine which features and specifications are included in your home. All builders reserve the right to make modifications and to increase price.
• Makeing New Business Contacts
FOR INFORMATION CALL 407-749-0333 drphillipschamber.org
• Networking Opportunities • Attending Educational Seminars • Promoting Your Business • Having Access To Exclusive Information & Advice • Taking Advantage of Promotions & Savings Exclusively for Our members • Meeting Decision Makers in Your Community
EQUAL HOUSING OPPORTUNITY
THE DR. PHILLIPS CHAMBER OF COMMERCE EVENTS
Home Improvement - HVAC Dealers and Contractors Stop Losing Sales! We finance and you close more deals!
The Dr. Phillips Chamber of Commerce
The Dr. Phillips Chamber of Commerce
Weekly Friday Leads Group
HEALTH PROFESSIONALS of Dr. Phillips
Location: Whole Foods Market 8003 Turkey Lake Rd. Orlando, FL 32819
Time: 8:30 a.m. - 9:30 a.m. Cost: FREE The Dr. Phillips Chamber of Commerce
Monthly Ladies Leads Group Every 1st Tuesday (Men are welcome to attend)
We are now accepting new dealers. To enroll call our office at 1-800-256-2988 ext. 1 or visit our Web site at www.moneyfg.com for more information.
Money Financial Group Corp.
P 800-256-2988 F 888-543-1040 apply@moneyfg.com
AFFORDABLE CONSUMERS PAYMENT PLANS 1 to 10 YEARS Any Credit including No Credit Customers can apply 3,6 and 12 months Same-As-Cash No-Interest and No-Payments Programs Revolving Credit Lines exclusively for your business No equity needed and rates as low as 2.5% More convenient than credit cards and personal loans Perfect for sales up to $30,000 No Recourse – No Risk – Receive 100%
This group is a Non Exclusive Business Category for professional entrepreneur Ladies looking to Meet, Learn, and Network with other professionals during lunch. Meets 1 x per month at a member’s location the 1st TUESDAY of every month.
Time: 11:30 a.m. - 1:00 p.m. The Dr. Phillips Chamber of Commerce
Business After Hours February 17, 2015 Location: American Gymkhana Restaurant 7559 W. Sand Lake Rd., Orlando, FL 32819
Meets the 3rd TUESDAY of every month at different locations. See Web site.
Time: 6:00 pm - 8:00 pm Cost: Free for Members $10.00 for Non-Members
The Health Professionals of Dr. Phillips helps promote Chamber members in the medical profession and members serving the Medical & Health industry.
February 26, 2015 Location: The Rialto Apartments (Lounge Area) 7343 W. Sand Lake Rd., Orlando, FL 32819
Meets the LAST THURSDAY of every month
Time: 4:00 pm - 5:30 pm Please RSVP: info@drphillipschamber.org
The Dr. Phillips Chamber of Commerce
B2B Resource Group The Lunch and Learn Series is a monthly workshop conducted by local business experts, Chamber board members and our Chamber members. The workshops feature a wide variety of topics that are helpful for anyone involved with a business, from owners and managers to entry-level employees.
Location: Palm Beach Atlantic University 4700 Millennia Blvd., Suite 100 Orlando, FL 32839
Meets the 3rd WEDNESDAY of every month
Time: 11:30 a.m. - 1:00 p.m.
For More Information • info@drphillipschamber.org