October Thrive Newsletter

thrive!

The Lacey Chamber Newsletter Volume 11, Issue 10

www.laceychamber.com

October 2010

RSVP Now! 2010 Auction

Spotlight on Cinema

Saturday, October 16, 2010 Saint Martin’s Worthington Center

Message from the President

Table of Contents

By Jeff Powell, President

Message from President Boundary Disputes Funeral Alternatives Welcome Home BBQ ShredFest 2010 Office Sportsmanship September 5:01 Surge!

Business is Booming!

Roster Chamber Events Kidwiler Thank Yous

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or my last Forum as president I wanted to offer a question and answer session with experts on employment law. As a small business owner, I often have questions about what is required of me as an employer and what I am required by law to provide to my employees. For example, how much vacation time am I required to give to each employee? Am I even required to give vacation time?

What about sick leave, breaks, holidays, personal time, bereavement, time off for other family member illnesses, and the list goes on. Do we as employers or employees really know what state or federal law requires? I don’t, and I should at least know the basics. I don’t want you to think that I am some kind of knucklehead, because I don’t think I am, but times change and since I had questions I thought others might too. Please join me at the Forum on October 6 at 11:30 a.m. at Saint Martin’s Worthington Center.

Our Speakers will be Janice Whitman, Civil Rights Specialist with the State of Washington Human Rights Commission; Lynn Buchanan with the Department of Labor and Industries; and Shawn Newman, Attorney at Law. I will ask them the questions I mentioned above and then, if time allows, we will open it up to questions from the floor. I want to thank Angelique Wilson from Professional Temp Staffing Agency for lining up the speakers for this event and also to thank her for being a Lacey Chamber board member this last year.

She has done a great job on the HR committee.

By the time you receive the newsletter the election for the new board members will be over. At the Forum I will announce who the president-elect and board members will be for the next year. I have had the pleasure this year of working with the best group of professionals any chamber president could ask for. Make sure you thank our board members when you see them at our networking events.

The Lacey Chamber Auction is October 16 at Saint Martin’s Worthington Center. This is our biggest fundraiser of the year. It promises to be the best one we have ever had. Tony Salas of Anchor Bank, chair of the Auction Committee, and his committee have taken a lot of time to make it a very special event. The theme is Spotlight on Cinema. The evening will offer grand decorations befitting the theme and an opportunity for you to walk down the red carpet and be treated like a star for the night. Who knows, maybe you will be discovered. We promise some very interesting and comical entertainment—please join us.

Media Sponsor

Chris Lester Insurance Services 4134 107th Ave. SW Olympia, WA 98512 (360) 866-0610 www.chrislesterins.net

5:01 Surge

Fisher Jones Family Dentistry 2415 Pacific Avenue SE, Olympia (360) 943-4644 www.FisherJonesFamilyDentistry.com Tuesday, October 26 5:01p.m. to 7:00p.m.

Chris Lester Insurance Services Design and layout of the Thrive newsletter is performed by Peggy DeGregory of Essential Business Support.

RSV P

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Lacey Chamber of Commerce

October 2010

Boundary Disputes 101

Submittted by Jay A. Goldstein, Goldstein Law Office, PLLC

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his article hopes to provide information regarding real property boundaries, the potential problems that can occur, and several alternatives on how to resolve boundary disputes.

Easements

An easement is a legal right to use someone else’s land for a particular purpose.

For example, the municipal water company may have an easement to run water pipes under your property. Your name is on the deed (you’re the title holder) and you still own the property, but the water company has the right to use a part of it, for its pipes.

Easements should be written and referenced in property deeds and related documents prepared by a title insurance company or attorney. Easements are part and parcel of the land they affect. They don’t change when the property changes hands.

Subsequent owners are obliged to let whoever owns the easement use the property.

Whoever owns the property may not interfere with the purpose of a legal easement.

• Express. Express easements must be in the form of a deed—in writing, signed, notarized, noting the benefitted and burdened parcels, and scope of the easement.

• Prescriptive. A prescriptive easement is created when someone uses another’s land without permission, such as a driveway or storm water drainage or a fence. A neighbor may have farmed on your property or even built on it.

After the time requirement is met, the trespasser gains a legal right to use the property. A trespasser may acquire the easement when others are also using the property—even the owner.

• Implied. An implied easement is created by law for land-locked properties based on several legal doctrines.

Adverse Possession

The Law does not Help Those who Sleep on their Rights.

Adverse possession is the taking of ownership to real estate by possessing it for a

GOLDSTEIN L AW O F F I C E P L L C Jay A. Goldstein

Attorney at Law

certain period of time. The person claimwith others. See Easements, above.) If ing title to real estate by adverse posses- 1800 Cooper the trespasser sells the352-1970 property Point Road SW, No.8or gives (360) 98502 fax (360) 357-0844 sion must have actual possession of it that Olympia, toWAsomeone else, the recipient becomes www.jaglaw.net jay@jaglaw.net is open, notorious, exclusive, continuous, the adverse possessor and the years are and adverse to the claims of other persons counted cumulatively for the ten year to the title. By its very nature, a claim of requirement. adverse possession is hostile to the claims of other persons.

Mutual Recognition and

Acquiescence

• Open and Notorious. The trespasser must actually be in possession of the property and treat it as if he were the owner. This means an actual physical presence on the land. It’s not enough for someone just to make a claim, orally or in writing, of ownership. The words “open and notorious” simply mean that it must be obvious to anyone, including an owner who investigates, that a trespasser is on the land.

When neighbors agree or acquiesce to a boundary line, the owners may establish the line by written or oral agreement. The parties may establish boundary lines by their mutual recognition of, and acquiescence in, certain lines as the true boundaries. The courts have readily held that this line is the true boundary line between the parcels if the mutual recognition of, and acquiescence in, exists for ten (10) years.

Similarly, a neighbor who put a fence up slightly on the next-door property is obvious--and is the one who just poured a concrete driveway two feet over the boundary line.

If you and a neighbor dispute a boundary line, the law provides several ways to resolve the dispute.

• Boundary Line Adjustment. Washington State Law, Chapter 58.17 RCW, defines a boundary line adjustment as: A division made for the purpose of adjusting boundary lines which does not create any additional lot, tract, parcel, site, or division nor create any lot, tract, parcel, site or division which contains insufficient area and dimension to meet minimum requirements for width and area for a building site.

Actual (physical) possession is usually open and notorious. Someone out in the field harvesting crops is obvious, as is a person pruning the rose garden that she planted on a strip of the neighbor’s back yard.

The point of this requirement is to let the owner know that someone is occupying the land, so something can be done about it. An owner who allows someone to trespass for years without giving permission, complaining or taking action, so the theory goes, loses the rights to the land. The expression “You Snooze You Lose” would be appropriate here.

• Exclusive and Continuous. The trespasser must possess the land exclusively and without interruption for the statutory time period—generally ten (10) years. The person trespassing must be the only one occupying the property— he can’t share possession with strangers or the owner. (By contrast, a trespasser can gain the right to use a certain part of another’s property, a prescriptive easement, even if possession or use is shared

Resolution

• Boundary Dispute Settlement Agreement. Washington State Law, Chapter 58.04 RCW, provides that if all of the affected landowners agree to a description and marking of a point or line determining a boundary, they shall document the agreement in a written instrument, using appropriate legal descriptions and including a survey map. The written instrument shall be signed and acknowledged by each party in the manner required for a conveyance of real property. The agreement is binding upon the

See page 3 Boundary Disputes

October 2010

Lacey Chamber of Commerce

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Funeral Alternatives of Washington Submittted by Sandy Michael, GCI Ad Agency

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uneral Alternatives of Washington marked the opening of their second location with a ribbon cutting on Wednesday, August 25. Locally owned and operated by Clair and Sharon Ferris, more than one hundred people joined them at their new, modern facility located at 2830 Willamette Drive NE, Suite G in the Lacey Business Park.

The nearly 4,000-square-feet of service space includes a non-denominational chapel that seats 80+ people, viewing rooms, a state-of-the art AV system, ample free parking and a reception area.

The facility also features a state-of-theart crematory, providing affordable, environmentally thoughtful cremation

services on-site.

Funeral Alternatives serves all cemeteries and faiths. They work with individuals and families so preparations and services are consistent with and reflect their culture, customs, and religion. They will never sell a family something they don’t need. They are always conscious of affordability in their pricing.

Serving Thurston County and the greater South Sound region, Funeral Alternatives offers traditional, graveside services with casket, memorial service, direct cremation, on-site services, veteran’s services, green options, and pre-planning arrangements. They can accommodate services and burials at any cemetery, as well as at other locations such as churches and community centers.

Boundary Disputes

Funeral Alternatives’ other location is in Tumwater at South Sound Manor, one mile south of the capitol. Even prior to opening their second location, families selected Funeral Alternatives more than any other South Sound funeral provider.

Find out more about them at:

www.funeralalternatives.org

or call 360.491.2222.

For more information Contact: Sandy Michael Account Manager 360.786.9657 ext 109 sandy@gciad.com

The Leader in Manufacturing Award-winning Eco-friendly Cleaning Products

parties, their successors, assigns, heirs and devisees and runs with the land. The agreement shall be recorded with the real estate records in the county or counties in which the affected parcels of real estate or any portion of them is located.

• Easement–Perpetual or Temporary. An express easement may be granted by the servient property owner to the dominant property owner. The easement may be perpetual and ongoing, or it may be temporary, for construction purposes for example.

• Quiet Title Lawsuit. An action to quiet title is a lawsuit filed to establish ownership of real property (land and buildings affixed to land), or a lawsuit to remove a cloud on title. The plaintiff in a quiet title action seeks a court order that prevents the respondent from making any claim to the property. Quiet title actions are sometimes necessary because boundary disputes happen, i.e., neighbors don’t always agree where the boundaries are, and they are unable to cooperatively resolve the issue. Also, real estate may change hands often, and ownership is not always clear as to proper title.

If you have any questions or comments regarding real estate boundaries, please contact us—we would be glad to discuss.

Our Brand New Facility 8735 Commerce Place Dr. NE, Ste. A Lacey WA 98516-1364 1) t 'BY Our new 50,000 sq. ft. manufacturing facility began production in June, 2010, hiring 20 new employees, supporting local suppliers and servicing accounts in the U.S. and Canada.

"MM /BUVSBM 1SPEVDUT t 4BGF GPS :PV t 4BGF GPS PVS &OWJSPONFOU www.ecos.com

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Lacey Chamber of Commerce

October 2010

Stryker Bridgade Welcome Home BBQ

By Carlene Joseph, Harborstone Credit Union, Military Affairs Committee Chair

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ell, the welcome home barbeque became a reality for the 3-2 Stryker Brigade Combat Team (SBCT) on September 14. Thanks to Lacey Chamber of Commerce members and the Association of the United States Army (AUSA), a non-profit 501c3. On the planning committee were Denise Burditus, Alice Gaugler, and Helen Ford of Heritage Bank; Carlene Joseph, Jackie Pearson, and Barbara St. John of Harborstone Credit Union; Scott Spence from the City of Lacey; and Cruz Arroyo of St. Martins.

Also on the committee were Lt.Col. Elisabeth Crooks and SGM Dave Brocious, both from the 3-2 SBCT.

Together the committee raised approximately $30,000 to completely pay for the event on Joint Base Lewis McChord.

Interestingly, when this committee was assembled, we all looked at each other and wondered if this was even achievable in the short amount of time we had to plan.

Now, we’re planning our celebration for a job well done. I also have to commend MWR (Commercial Sponsorship) on JBLM for helping with this effort. Without them it would have been extremely difficult for us to pull this off.

When we set out to obtain funding each one of us were in awe of the number of businesses that simply wanted to make a donation without receiving anything in return, because they appreciate our soldiers.

Overall, we can’t thank the businesses in Lacey enough for the financial support you provided. You did your city proud among the leadership of JBLM. However, most of all, the City of Lacey was able to support our troops and give them a “heroes” welcome home. Again, thank you, and you’ll always be remembered for your kind hearts and generosity for those who serve our country. The City of Lacey and the Lacey Chamber of Commerce rocks!

Prior to the barbeque, the 3-2 held its “Uncasing” ceremony where they unwrapped the Brigade’s colors. When the soldiers were dismissed, they congregated in a nearby tent to enjoy great food and interaction with their friends. I think we fed approximately 4,000 soldiers that day. It was incredible!

ShredFest 2010

Pictured from left to right from Columbia Bank: Mike Harris, Branch Manager; Janine Thompson, Senior Teller/Customer Service Representative; Jaclyn Ott, Teller; Terrance Menefee, Personal Banker.

ShredFest 2010 hosted by Columbia Bank was a huge success! Many people stopped in to drop off their paper to get shredded. Recall, Inc. provided the truck that could hold up to 2,000 pounds of shredded paper. An estimated 100 people showed up for the three-hour event. The 2nd Annual ShredFest will be held Saturday, August 27, 2011 from 10:00 a.m.-1:00 p.m. We hope to see you there!

October 2010

Lacey Chamber of Commerce

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Office Sportmanship Leads to Increased Productivity Written by Denise Landers, Key Organizations Systems, Inc.

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ith the wrap-up of summer and all that it represents---vacations, heat, kids at home—there was also one major series of sporting events that was billed as “the TV event of the summer.”

This of course was the WORLD CUP.

Whether or not you normally follow soccer, it was hard to ignore the publicity. With the eyes of the world watching the matches, this was a prime opportunity to demonstrate model sportsmanship. There are moments that we remember for both the good and the bad behaviors. Examples include: Good • One team sacrificing a corner kick because they felt the call against the other team was incorrect.

• The opposing team kicking the ball away from a hurt player so he can be assisted. Then the injured player’s team, with control of the ball, kicks it back to their opponents.

Bad • Refusing to shake the hand of an opposing player • Unacceptable language

• Inappropriately aggressive play

Although this was sport, the same behaviors transfer over to the workplace. If you have to pick a team for a project, which behaviors would you seek in your colleagues?

I recently watched four-year-old children “playing” soccer. The activities they attempted and the characteristics they modeled could easily translate into an ideal, productive work environment.

• There was no fear of trying something new.

• Each participant got to play and contribute.

• All played to their level, including the handicapped.

• Coaches focused on raising them to their next level.

• Even with different levels, they all pulled together as a team.

• Positive results were recognized.

• They never stopped being excited about learning new skills.

• There was a great cheering squad on the sidelines.

• Everyone enjoyed their day, being challenged and involved.

In this situation there was no actual teamagainst-team competition.

While they were all on the same side, they playfully

competed against each other as they built up their own skills and learned to function as a group and as individuals. In the same manner, while you do not directly compete one-on-one with other companies each day, friendly competition and cooperation in the work place would be a strong motivator.

Wouldn’t it be great if we all started out each work day eager to learn more and contribute to the team, getting all the help we needed, and being appreciated for our efforts?

What a successful day we would have if we could reignite some of those sparks that help our children develop into highly functioning adults who exhibit good sportsmanship in all areas of their lives!

Heading into the new season, what team do you want to be on?

Denise Landers is the author of “Destination: Organization, A Week by Week Journey “and the owner of Key Organization Systems, Inc. (www.keyorganization.com). She is a national speaker, trainer, consultant and coach providing conference sessions, corporate training, and individual assistance to improve daily work flow and time management skills.

September 5:01 Surge!

Apex Karting hosted our September 5:01 Surge! It was an evening of great food, fun driving, and networking. Guests were able to take a drive down Apex’s impressive indoor track and race each other. Apex Karting offers a place for birthday, corporate, or bachelor parties. Be sure to call them to book yours today!

Mike Wolfe, Sceni Foster, Joann Bell, Madeline White

Mike Beehler, Jerry Farmer, Walker Armstrong, Jeff Powell

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Lacey Chamber of Commerce

October 2010

Promotional Products Screen Printing Embroidery

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3401/0908

Local Branding on a World of Products!

Phone: (360) 709-0483 Fax: (360) 709-0439 3900 12th Ave. SE Lacey, WA 98503

W W W . B U D D B A Y. C O M

K AREN B ROWN AT

1100 STATION DR. SUITE 151 DUPONT, WA 98327 253.964.1288

KAREN JEAN BROWN, LLC

October 2010

Lacey Chamber of Commerce

The money you need to shift your business into high gear.

power

Where Family Means Everything.

Mike Wolfe Sales Representative Northwest Division Office

2415 Pacif ic Avenue SE

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Olympia

Supporting Families and Education We make a donation to education for every new patient.

www.f isherjonesfamilydentistry.com

www.fisherjonesfamilydentisry.com

(360) 943-4644

Mutual of Omaha Insurance Company United of Omaha Life Insurance Company 1230 Ruddell RoadSESE, Suite 202 7402 20th Avenue Lacey, WA 98503 98503 360 459 2061 fax 360 459 4697 360.491.7593 home 360 491 7593 michael.wolfe@mutualofomaha.com

Retirement  Investments Auto  Home  Longterm Care  Life  Health  Disability

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Lacey Chamber of Commerce

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Lucky Eagle 1/4 page 3.5"x 4.75" Ad for Lacey Thrive

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October 2010

Lacey Chamber of Commerce

SOUTH BAY PRESS

Linda Jensen

360/459-3015

&OR ALL YOUR PRINTING NEEDS s 3PECIALIZING IN RECYCLED PAPERS 4003 8th Ave SE Lacey (behind Michaels) s WWW SOUTHBAYPRESS COM

BP BCsize ads.indd 1

www.acpsfinancial.com 222 Lee Street SW Tumwater, WA 98501

9/25/08 12:05:59 PM

Corrina Phillips Second Vice President-Wealth Management Financial Advisor

360-704-2233 800-843-7564 www.fa.smithbarney.com/corrinaphillips corrina.k.phillips@smithbarney.com Š2009 Morgan Stanley Smith Barney LLC. Member SIPC.

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CLU ChFC LUTCF Securities offered through LPL Financial Member FINRA/SIPC

OFFICE 360-357-6328 CELL 360-908-0612 linda.jensen@lpl.com

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Lacey Chamber of Commerce

New Members Earth Friendly Products—BOOM! Investor 8735 Commerce Place Drive NE, Suite A Lacey, WA 98516 Contact: Amber Petersen Category: Manufacturing Green Products Phone: (360) 489-3300 Web: www.ecos.com

Washington Land Yacht Harbor, Inc. Harmony Hall 9101 Steilacoom Road SE Olympia, WA 98513 Contact: Verne Morman Category: Banquet Hall Phone: (360) 491-3750 Web: www.washingtonlandyachtharbor.com

Exit Realty Boardwalk

525 Columbia St. NW, Suite 204 Olympia, WA 98501 Contact: Anita Yarber Category: Property Management/Real Estate Phone: (360) 459-1754 Web: www.ExitRealtyBoardwalk.com

October 2010

Aflac-Megan Casto

5-9 Years:

4310 6th Ave SE Suite B Lacey, WA 98503 Contact: Megan Casto Category: Insurance Agency Phone: (360) 705-8885 Web: www.aflac.com

Prairie Hotel

Bliss & Skeen, Certified Public Accountants Nicholson & Associates Insurance TAGS Awards & Specialties–Ignite!

Investor Target Import Center-Washington Weinand Financial

700 Prairie Park Lane SE Yelm, WA 98597 Contact: Leslie Koch Category: Hotels Phone: (360) 458-8300 Web: www.prairiehotel.com

10-14 Years: Berschauer Phillips Construction Co. Moss Orthodontics Mountain View Veterinary Hospital MVP Athletic Virgil Adams Real Estate - Al Eckroth

Over 15 Years!

Renewals–Thank You! 2-4 Years: 4th Dimension Technology Inc. –Ignite!

Investor Fast Transact Fisher Jones Family Dentistry–Ignite!

Investor Hawks Prairie Rotary Foundation Hometown Association Management, Inc. Northwest Infrared Ranger / The Northwest Airlifter Skookum Educational Programs The Creative Office–Spark! Investor

Adams & Schefter Ahlf Law Office Mikar- Mike’s Auto and Electric Morningside O Bee Credit Union Olympia Federal Savings–Ignite! Investor Prime Locations, Inc.

2010 Board of Directors & Group Roster Executive Board

Jeff Powell, President, Prime Development Group, 528-2550 Jerry Farmer, President Elect, 94.5 ROXY, 236-1010 Felix Peguero, Vice President, Edward Jones Investments, 438-0341 Mike Harris, Treasurer & Board Member, Columbia Bank, 459-3344 Carlene Joseph, Secretary, Harborstone Credit Union, 253-983-8636

Board of Directors

Andrew Barkis, Hometown Property Management, 456-7368 Tom Carroll, Network Communications International, 701-1532 Al Eckroth, Virgil Adams Real Estate, 701-3307* Lowell Gordon, The Creative Office, 754-1732 Chris Lester, Chris Lester Insurance Services, 866-0610 Tony Salas, Anchor Bank, 491-2250* Renée Sunde, Thurston EDC, 754-6320* Angelique Wilson, Professional Temp Staffing Agency, 786-8443* Patrick Davidson, Past President, Guild Mortgage, 412-1000 *Recently elected, serving a two year term.

Committee Ambassadors:

Amanda Graham, Event Coordinator, 491-4141

Auction:

Tony Salas, Anchor Bank, 491-2250

BBQ:

Al Eckroth, Virgil Adams Real Estate, (360) 701-3307

ROXY Connector Business Roundtable: Reneé Sunde, Thurston EDC, 754-6320

Fundraising:

Tony Salas, Anchor Bank, 491-2250

Government Affairs:

Daniela Anderson, Hometown Prop. Mgmt, 456-7368

Golf:

Joanna West, Washington Business Bank, 754-1954

Kidwiler Scholarship Foundation: Stewart Ridgeway, CPA, 459-4404

Military Affairs:

Carlene Joseph, Harborstone Credit Union, (253) 983-8636

October 2010

Chamber Events For all events, please RSVP to agraham@laceychamber.com or call (360) 491-4141.

October 4, Tuesday—BBQ Committee Meeting 4:00 a.m.

Chamber Conference Room October 6, Wednesday—Forum

Registration begins at 11:30, program begins at noon Saint Martin’s Worthington Center Topic: Employment Law Members $18, guests $25 Please pre-register online at laceychamber.com

Thank you to our Media Sponsors:

Chris Lester Insurance Services

Chris Lester Insurance Services

October 8, Friday—Government Affairs Meeting 11:30 a.m.

Panorama – Chambers House Restaurant 1751 Circle Lane SE October 12, Tuesday—Military Affairs Meeting 7:30 a.m.

Hawks Prairie Restaurant 8306 Quinault Dr. NE

October 12, Tuesday—Auction Committee Meeting 2:00 p.m.

Chamber Conference Room

October 16, Saturday—Auction—Spotlight on Cinema Doors open at 5:30 p.m.

Saint Martin’s Worthington Center

October 20, Wednesday—ROXY Connector Business Roundtable 8:00 a.m.

River’s Edge Restaurant 4611 Tumwater Valley Dr. SE

October 20, Wednesday—Fundraising Committee Meeting 2:00 p.m.

Chamber Conference Room October 26, Tuesday—Ambassador Meeting 12:00 p.m. (noon) Dirty Dave’s Pizza 3939 Martin Way

Lacey Chamber of Commerce

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Chamber Events (continued)

October 26, Tuesday—5:01 Surge Fisher Jones Family Dentistry 2415 Pacific Avenue SE 5:01 p.m.-7:00 p.m.

October 27, Wednesday Executive Meeting 8:30 a.m.

Board Meeting 9:30 a.m.

Chamber Conference Room

Thank You!

Thank you to those who worked our booth at the 9th Annual Lacey Summer’s End Car Show. We appreciate your dedication and support of the Lacey Chamber!

John Blankenship, Visitor & Convention Bureau

Barbara St. John, Harborstone Credit Union Mike Wolfe, Mutual of Omaha Insurance

Kidwiler Scholarship Fund Thank Yous The Lacey Chamber would like to thank these member businesses who donated raffle prizes to benefit the Kidwiler Scholarship at the September 2010 Forum: 94.5 ROXY A Steve’s Professional Truck Mounted Steam Cleaning Apex Karting Budd Bay Embroidery & Specialties, Inc Cabinets by Trivonna Chris Lester Insurance Services Edward Jones-Jeff Kopp FASTSIGNS Go Small Biz Occasions Catering Pardiman Productions Professional Temp Staffing Agency Tammy Redman - Business Growth Strategist The Ram Restaurant & Brewery Whimsical Photo Design

Thank You for Your Continued Support!

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Lacey Chamber of Commerce

October 2010 PRSRT STD U.S. Postage Paid Olympia, WA Permit No.60

The Lacey Chamber of Commerce 8300 Quinault Dr NE, Suite A Lacey, WA 98516 Phone: (360) 491-4141 Fax: (360) 491-9403 Email: info@laceychamber.com Website: www.laceychamber.com

CHANGE SERVICE REQUESTED

BOOM! IGNITE!

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SPARK!

Mike Wolfe

Linda Jensen, CLU ChFC LUTCF linda.jensen@lpl.com www.acpsfinancial.com

ORIGINAL

Cinderella’s Closet

ORIGINAL OUTLINE

HEAVIER OUTLINE

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