Midlands Business Journal January 22, 2021 Vol. 47 No. 4 issue by Midlands Business Journal

• JANUARY 22, 2021 • Midlands Business Journal

Omaha Real Estate A section prepared by the staff of the Midlands Business Journal

Omaha real estate market remains robust in 2021 by Gabby Hellbusch

Moving into 2021, there’s good news for the real estate market in the metro area. In fact, Josh White, vice president investor relations at Metonic Real Estate Solutions, said Omaha weathered the recession better than many markets around the country. “When thinking about commercial real estate, employers are figuring out what office setting works best for them knowing that there is no substitute for in-person human interaction,” he said. “That said, people aren’t going to be Swanson very excited to jump back into crowded office spaces, so how leaders are designing or retro-fitting their office space will be important to watch.” Regarding multifamily real estate, White said the Omaha market is ripe for building new developments. “As one can look around our community and see many projects mid-development, we see the trend continuing next year and beyond to meet the demands of the marketplace,” he said. “We are paying close atten-

Josh White, vice president investor relations at Metonic Real Estate Solutions. tion to the fact that consumers are desiring will feel comfortable in.” to live in a smaller neighborhood setting, so Additionally, White said there is a sighow do we as developers and builders ac- nificant rise in renting virtually. commodate that need? One way is to build Bill Swanson, 2021 Omaha Area Board fewer apartments, possibly townhomes or of REALTORS president, said the outlook ‘apartminiums’ on smaller pieces of land for 2021 for the Omaha area real estate that have some density where people feel market is expected to be robust with rates like they are building a neighborhood they projected to stay around 3%.

January 22, 2021

“It will continue to be a ‘seller’s market’ with the existing inventory of homes for sale at or near an all-time low in recent memory,” he said. “Any seller pricing their home fairly and taking advantage of the tools of exposure that realtors utilize should have no trouble selling.” Swanson said one recent trend, most likely a result of last year’s pandemic, is that people realized they wanted more livable space. “They became accustomed to spending more time at home and want more amenities for their loved ones to enjoy,” he said. “That might be bigger and more equipped rec rooms, yards, swimming pools and home theaters. With pools and theaters closed Secor last year, people want to make sure they are prepared in case it happens again. We are also seeing an increase in out-of-town buyers moving from densely populated cities to the area, as well. In conclusion, this year is expected to eclipse last year's numbers and could rival our busiest year ever in Omaha area real estate.” Spencer Secor, senior associate/office specialist at The Lund Company, said the Omaha real estate market is doing well considering the macro climate. “There are several large developments under construction including Amazon’s distribution center, Crossroads, Boys Town and NoDo,” he said. “Some of these developments may pivot on initial plans based on how the world will operate going forward but people are obviously ready to get back to normal and pick up where we left off pre-COVID.” Secor said Omaha has stayed relatively steady and shows great fortitude. “2021 may look fairly similar to 2020 as far as metrics, but I cannot help but be bullish for the future of the market overall,” he said. In the office world specifically, there is a trend of shrinking square footage. “Personally, I think this will be a temporary trend, at least in tertiary markets like Omaha,” Secor said. “On the coasts and in larger cities, it could become a more permanent solution for some companies. But, at the end of the day, I believe employees need to be in the office to build culture, promote creativity/innovation and generate energy for everyone working there.”

Omaha Real Estate — inside JANUARY 22, 2021

THE BUSINESS NEWSPAPER OF GREATER OMAHA, LINCOLN AND COUNCIL BLUFFS

THIS WEEK 'S ISSUE:

$2.00

VOL. 47 NO. 4

Baum Hydraulics powers surge in hose sales with new brand by Michelle Leach

Hemp Batch Tracker provides accountability at each step of hemp product cycle. – Page 2

40 er d Un 40 Cory Garlock balances financial acumen with philanthropic mindset. – Page 3

in es nc Care a v Ad ealth H

Health technologies abound with focus on heightened safety, better access. – Page 25

Nebraska was still a territory and the Civil War was still four years into the future when Baum Iron Co. got its start serving settlers making the great trek West with everything from wagons and buckboards to supplies like horseshoes, anvils and wooden spokes. Readers may be familiar with the towering painted “THE BAUM IRON COMPANY” sign in the Old Market, and a historical marker claims this grandaddy of Omaha businesses was once the “largest wholesaler of iron products in the Midwest.” Today, Baum Iron Co. is Baum Hydraulics Corp. And the wholesale distributor of hydraulic machinery parts is continuing to grow with a combination of long-tenured employees (around 44% of its staff have worked at the corporation for 20-plus years), and innovation at least partly reflected in the Stateside debut of a new hydraulic hose brand six years ago. “Back in 2015, we took a Continued on page 22.

Vice President Kelly Hays … From selling wagons and horseshoes to settlers traveling west to, 160-plus years later, serving the hydraulics parts needs of privately-held repair shops across the nation. (Photo by MBJ / Becky McCarville)

New owners of Edgewater target Omaha and mid-state markets by Richard D. Brown

The five-person Nebraska group that purchased the former Pinnacle Agency with 14 office locations across Nebraska is looking at growth opportunities with independent insurance services, farm management and real estate services. The 46-employee business is specifically targeting commercial insurance opportunities in Omaha and in the mid-state cities of Hastings, Grand Island

and Kearney. “In Omaha we’re targeting the mid-size client with annual premiums in the $25,000 to $75,000 premium volume range,” said Edgewater Insurance & Farm Management President Justin Shavlik. While the firm has written insurance in the Omaha and Lincoln markets for years, Shavlik said the new ownership group headed by Continued on page 22.

From left, Partners Akil Davis, Carol Anderson and Paula Harris … The team turns to each other’s strengths, reflects on achievements as its founder considers retirement.

Harris and Davis Financial Advisors builds legacy by diversifying team by Becky McCarville

President Justin Shavlik … New ownership group redoubles growth plan through organic growth, acquisitions. (Photo courtesy of Edgewater Insurance)

Carol Anderson, founder of Harris and Davis Financial Advisors, has built the firm she started in 1981 by fostering relationships through the National Association of Insurance and Financial Advisors (NAIFA), organizations and networking events like ICAN Women’s Leadership Conference, and by leveraging her teaching background — she was an art teacher with a master’s degree in art edu-

cation, traveling between 40-plus elementary schools and supervising in another 50 with Omaha Public Schools for about 20 years prior to switching to her current profession. Partners Paula Harris, Anderson’s daughter, joined in 1999, and Akil Davis joined in 2015. Harris and Davis met through NAIFA. As Anderson contemplates retirement, the succession plan really began over 20 years ago when Harris Continued on page 23.

• JANUARY 22, 2021 • Midlands Business Journal

Hemp Batch Tracker provides accountability at each step of hemp product cycle by Dwain Hebda

Hemp Batch Tracker, a subsidiary of Contemporary Analysis in Omaha, launched two years ago to provide a tracking and accountability mechanism at each step of the hemp product lifecycle. As hemp continues to gain steam as a crop and as an industry — not just in the Cornhusker State, but worldwide — many business operations that other industries take for granted remain to be worked out. Tracking a crop from seed genetics to the store shelf is one of them, which is where the software product comes in. “The need to track hemp is something that people don’t quite understand at this point because it’s been such a clandestine industry for so long,” said Justin Trowbridge, co-founder and head of business development. “We built our solution specifically from another project for food manufacturing. We have a recall-driven system: somebody is executing that recall and with our traceability system you have the ability to click a button and you can track all the way back to the genetics on a hemp product and see everything from the point of contact, chain of custody, all of that.”

There was no recall mechanism available, so the state of Mississippi pulled all CBD products carte blanche to prevent further loss of life.

Hemp Batch Tracker

Co-founder and Business Development Officer Justin Trowbridge … Quality control is paramount in new hemp industry. Hemp’s commercial uses include fibers are ingested. for rope and clothing to CBD oil that is “Actually, the impetus for why we used in a variety of home-health applica- migrated to hemp and away from the food tions, such as pain relief and improving side is a case in Mississippi,” Trowbridge sleep. Quality control is one big reason said. “There was a gas station chain where for developing a system such as Hemp somebody had laced fentanyl into CBD, Batch Tracker, given that CBD products and it caused six people to lose their lives.

Business Minute

Paid Content

Colby Vetter

Senior Preconstruction & Estimating Manager, JE Dunn Construction Hometown: Papillion, Nebraska Education: Bachelor of Science from the University of Nebraska at Omaha

Address: 1905 Harney St., #222, Omaha 68102 Service: A subsidiary of Contemporary Analysis, the company is a hemp tracking solution dedicated to recall control that covers hemp from seed genetics through every step of growing, processing and transport. Employees: 5 Industry Outlook: Hemp has only been legal for commercial cultivation for a few years and industry watchers predict the potential for the crop to be substantial. Company officials foresee market applications for its data in agronomy and plant genetics as well as continued acceleration of its tracking software nationally and worldwide. Website: hempbatchtracker.com

“We realized had our system been in place we could’ve helped that recall become much more effective rather than remove all product from the market.” Hemp itself is different from cannabis in that the plant does not produce high enough levels of THC to cause a high, but for decades the plant was banned as being one and the same as marijuana. The U.S. Department of Agriculture recently lifted the ban allowing farmers to raise the crop legally, but the two plants are hard if not impossible to tell apart with the naked eye. That’s bad news for the companies that deal in raw hemp material to make other products. “Everybody is looking for an opporContinued on page 11.

Midlands Business Journal Established in 1975

FOUNDER, Robert Hoig

How I got into the business: I was interested in construction from a pretty early age but wasn’t sure which route I wanted to go entering college. I majored in Drafting Design, which isn’t a major anymore, at UNO and pursued a minor in Construction Management. I interned with a General Contractor, liked what the construction-side had to offer and haven’t looked back since. Accomplishments or milestones: Working for a General Contractor with a diverse background. I’ve have had the opportunity to work on many different project types: a high school, transplant center, airplane hangar, office buildings, hospital towers, cold-storage facilities and raptor mews. Each has had its own lessons and challenges that I have been able to take to the next estimate.

First job: Field laborer, mucking out footing excavations, cleaning rebar after a rain. Biggest career break: The opportunity to move from the field to the office 19 years ago to become the first local estimator at the Omaha office. I enjoyed working in the field, but my overall goal was to work in some sort of management position. The toughest part of the job: For me, it has to be work-life balance. Performing a lot of conceptual estimates, working to develop cost solutions for different project types, sometimes based on minimal information, is tough to turn off at the end of the day. We have a high quality standard and making sure you have everything covered can keep you up at night. The best advice I have received: Focus on what you can control. About my family: My wife, Lisa, and I have been married 25 years. We are high school sweethearts and I couldn’t imagine going through this journey with anyone else. We have two sons, Devin, a junior down at UNL, and Jackson, a junior at Papillion-La Vista High School. Something else I’d like to accomplish: I would like to do a lot more travelling. I’m hopeful this is something that will be a constant during retirement.

How my business will change in the next decade: I think construction will continue to have an issue with getting people interested in joining the trades. Now kids are growing up with more technology, keeping the interest in using their hands will become more of a challenge. I believe this will lead to more automation, pre-fabrication, working on a more modular construction process. Mentor who has helped the most in my career: My first Superintendent, Mike Miskowiec, is someone who I’ve worked with since the day I stepped foot onto a jobsite until now, going on 26 years. He’s been someone who I’ve been able to bounce ideas off, be honest with, let off steam with and has always been there for me, both personally and professionally. Outside interests: Sports, sports, sports. Husker sports, my sons both played/play baseball, and hunting are things I enjoy the most. Favorite vacation spot: Beach at the Dominican Republic. Other careers I would like to try: I think teaching would be interesting. Favorite cause or charity: American Heart Association. Favorite app: I am never too far away from a Twitter check on things!

Interested in being featured in the Business Minute? Email news@mbj.com for more information.

ADMINISTRATION PUBLISHER, Andrea “Andee” Hoig

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The Midlands Business Journal (ISSN 0194-4525) is published weekly plus one by MBJ Inc. and is available for $2.00 per individual copy or $75 per year. Editorial offices are 1324 S. 119th St., Omaha, NE 68144. Periodical postage paid at Omaha NE POSTMASTER; Send address changes to Midlands Business Journal, 1324 S. 119th St., Omaha, NE 68144. All submissions to the Midlands Business Journal become the property of the Midlands Business Journal and will not be returned.

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Midlands Business Journal • JANUARY 22, 2021 •

Financial Advisor Cory Garlock … Investing in the community through mindfulness and doing the greatest amount of good. (Photo courtesy of Kimberly Dovi)

Cory Garlock balances financial acumen with philanthropic mindset

by Dwain Hebda community involvement and volunteerism. The goal in the financial planning in- The award brought with it a volunteer and dustry is to earn clients as much money as cultural exchange trip to Kenya, a trip which possible. But Cory Garlock, financial planner so affected him, he’d later run an ultramarawith RBC Wealth Management, also judges thon to raise money to put a Kenyan student his success by how much he invests in others. through school. Garlock, who joined his father John “Buzz” “I’ve been lucky enough to travel to many Garlock at RBC six years ago, has become parts of the world and what I find is that a lot the company’s philanthropic leader. of people are just simply less well off than “Community causes fall into two dif- us as Americans, as people in Omaha, as ferent categories,” he said. “One would be people in Nebraska,” he said. “That’s not to the passion projects, a lot of which sell anyone’s country short, but it has to do with my interest in minddid make me realize that I can do fulness and meditation. Then the so much more for my community. other category is effective altruism Seeing people across the world where, given your constraints of really kicked me into gear to be a income and time, you invest in the positive influence.” greatest amount of good that you Garlock began his professional can do in this world. career in education, serving as a “They’re both important; mindteacher in Spain after earning his fulness is important because you undergraduate degree. Learning the 2020 need to start with yourself before financial planning ropes has taken a you can make a change in the world. Then, lot of work, he said, but he sees commonality effective altruism helps you focus on where between his clients and the people he strives you can do the greatest amount of good.” to help through his volunteer efforts. Among Garlock’s efforts since joining “I definitely need to thank my team as the firm have been coordinating the KETV they were patient with me as I picked up 7 Can Help back-to-school backpack drive, all the necessary skills, and my father, who putting school supplies into the hands of taught me big picture thinking and that putstudents who wouldn’t otherwise have them. ting-the-client-first attitude. All that allowed He heads up the Project Santa Christmas toy me to become the adviser I am today,” he donation program through the local Open said. “Overall, we’re a complete team. We’re Door Mission as well as the RBC Omaha interchangeable parts, but we come together United Way donation campaign. in making the best team possible given our He also leads environmental outreach different personality traits. to help keep Zorinsky Lake clean through “What I like most about this job is seetrash pick-up days partnering with the local ing people achieve their financial goals and nonprofit Keep Omaha Beautiful. In addition, getting to do what they are most passionate he leads an annual donation drive for the about. When they finally get to retire to their benefit of the Pine Ridge Reservation. The new dream home in Arizona, it not only gives list goes on. them joy but it also brings us joy, because we Garlock’s long list of community service were able to help them achieve that.” work has landed impressive accolades. In Garlock graduated from Texas Christian 2018, he was one of only 50 RBC employees University in Dallas in 2013, majoring in from around the world to receive the RBC economics and political science with a minor Global Citizen Award, which recognizes in mathematics.

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• JANUARY 22, 2021 • Midlands Business Journal

Omaha Real Estate A section prepared by the staff of the Midlands Business Journal

Omaha real estate market remains robust in 2021 by Gabby Hellbusch

January 22, 2021

Omaha Real Estate •

Midlands Business Journal • JANUARY 22, 2021 •

• JANUARY 22, 2021 • Midlands Business Journal

• Omaha Real Estate

Upsides seen for real estate industry amid changing consumer needs by Michelle Leach

The pandemic has presented many surprises for residential real estate professionals. And, as tragic as it’s been from a public health perspective and for certain sectors, there have been some unforeseen positives. “[COVID-19] has impacted the real estate market in a completely different way than what we had predicted,” said Tasha Moss, agent with Omaha Real Estate Group. “Real estate activity in 2020 was not down like it typically is during an election year. In fact, activity only picked up, and it may have been a record year. But there was a decrease in the number of available properties.” To that end, Moss said, when asked about buying trends, with more people working from

home the focus has been on how where they’re at and the market acproperties function for the buyers’ tivity, they could “make a step up” specific needs. and not contend with much higher “A lot of buyers were more conmortgage payments. cerned with the layout than maybe Omaha Area Board of Realtors some of the higher end finishes President Bill Swanson said that and getting the additional space or today’s market in the metro is split at least a layout that could work to among three different segments, have a home office or teaching kids though most agents work somewhat at home,” she said. “Due to this, in all three areas. new construction has been busier “Agents who work primarily than we have seen in years and the with listings and represent sellers Moss beginning of 2021 is showing that are quite busy, selling homes at a it will be even busier this year.” pace unseen in years in Omaha,” he said. “If Homes have been going so quickly, Moss a home is priced fairly and shows well, there said, that a lot of sellers that weren’t contem- should be no problem finding a qualified buyer plating doing so decided that, with interest rates quickly. Agents who work primarily with buy-

ers have a tougher time of it, with inventory of existing homes for sale in the Omaha area at or near an all-time low in recent history.” In fact, qualified buyers are getting beat in multiple-offer situations by sellers who, plain and simple, pick the best offer (which, Swanson said, may or may not be the higher price depending on other factors). “It is not uncommon for buyer agents to write a half-dozen or more offers for a purchaser before getting one accepted,” he said. “For agents who work primarily in new construction, it is as busy as can be, with pending new construction homes up 30% over this time last year.” Swanson said sellers are at a “fantastic advantage.” “If they price their home at a fair market price and it shows well, there should be no problem getting a contract from a qualified buyer,” he said. “Many sellers underprice their home just a bit to try to obtain multiple offers; many times those offers are over list price. This strategy has been working well over the last few years. Of course, if there is a loan involved, the house still must appraise or both parties may be back at the negotiating table.” By far, the biggest advantage characterized by Swanson for buyers is the low-interest rates. “Most of the economic predictions we monitor advise that they should stay relatively stable for the next year or more,” he said. “Buyers just must be patient and expect to lose out on that perfect house in multiple offer situations. Many buyers will have to expand their search parameters or lower their Continued on page 8.

Omaha Real Estate •

Midlands Business Journal • JANUARY 22, 2021 •

Commercial real estate in 2020 was mixed bag by David Kubicek

Industrial real estate remained strong in 2020 but office leasing was down, and retail ended the year flat. Almost 1 million square feet of industrial space was absorbed in 2020 with Sarpy County having the most absorption, according to Kristi Andersen, a senior associate in Omaha with Colliers International. “The office market saw negative absorption in 2020, which can most certainly be attributed to COVID-19, the economic downturn, and a majority of office workers continuing to work remotely,” Andersen she said. “The Omaha retail market actually saw positive absorption in 2020. Retail was already in flux prior to COVID-19, and the business community had been adjusting by slowing new construction. The retail vacancy rate is lower than it was a year ago, and the average asking rate is higher.” Certain industries like health care, multifamily, churches, and industrial are especially active. Large projects completed in 2020 include the Edwin Dorothy Balbach Davis Global Center, the VA Ambulatory Care Center, R&R Commerce Park in Sarpy County, more than 400,000 square feet of new office space in west Omaha, more than 2 million square feet of new multifamily, Top Golf, and the ACX Cinema 12+ movie theater in southwest Omaha. “As we look ahead to 2021, we are op-

Ryan Kuehl, broker at Investors Realty. timistic that activity will pick up,” Andersen million square feet of industrial space under said. “As new Class A office space is delivered, construction with a 2021 completion date. Over existing Class B office space will open up. As 95% of under-construction square footage is the COVID-19 vaccine becomes more read- located in Sarpy county. ily available, we expect businesses will start “We expect the vacancy rate will remain bringing their employees back to the office somewhere between 3% and 4% and the in some capacity. asking rents will continue to inch upward,” “With changes to the retail landscape prior Andersen said. to the pandemic, we expect the retail market to Josh Langel, CRE Coordinator at Access remain very conservative with regards to new Commercial, said Gretna, Papillion and Elkhorn construction. With a few exceptions, the trend are seeing the most growth in the Omaha Metro. of building smaller strip and neighborhood “With Omaha’s rapid expansion, these subshopping centers located close to new housing urban areas have the fastest-growing populations developments will continue.” and the land available for new developments,” Industrial will remain strong with over 3 he said.

While COVID-19 impacted many retail and restaurant tenants, with many closing their doors forever, those companies that weathered the storm seem pretty bullish entering 2021. “We think that in 2021 a lot of companies will see this as an opportunity to grow, and many retail and restaurant tenants see 2021 as an opportunity to expand into new markets,” Langel said. From approximately March to July there was very little leasing or sales activity, according to Ryan Kuehl, a broker with Investors Realty. “Most of the projects I was working on personally were either put on pause or purchase agreements were extended,” he said. “A large majority of these deals were completLangel ed towards the end of 2020. The last quarter of 2020 and heading into 2021 has been very active as most decision-makers are seeing the light at the end of the tunnel with the coronavirus.” Office leasing, especially under 5,000 square feet, has taken a big hit as businesses have decided to work from home and not make long term commitments until there’s some sense of normalcy. Industrial and multifamily are still the two most active sectors with the need for affordable housing and no construction interruptions in the market. West Dodge Road between 120th and 204th streets and the 204th Street corridor from Gretna to Elkhorn has seen a tremendous amount of commercial, single family and multifamily activity.

• JANUARY 22, 2021 • Midlands Business Journal • Omaha Real Estate •

Upsides seen for real estate amid changing needs Continued from page 6. expectations on condition to finally get a home under contract.” Additionally, due to extended times in homes last year amid the pandemic, Swanson also alluded to buyers making the move to bigger homes for “a more comfortable ‘staycation’ should it happen again.” “Another unexpected occurrence has been the market in the Omaha area for homes over a million dollars, or any luxury home for that matter,” he added. “People realized that they wanted that ‘oasis’ for their families or loved ones to take advantage of should we be faced with another pandemic. With public pools, libraries, theaters … closing, buyers flocked to those houses with those amenities or with room to add them.” Appraisal firm Mitchell and Associates has played an important role in the market. “The mortgage industry relies on appraisers to know and accurately report the market,” said President Beth Andersen. “Our appraisers (both residential and commercial) have many, many years of combined experience and we all draw on that experience.” Due to historic low interest rates, Andersen said, their volume has been running very high. “Typically, we are able to inspect a property within two or three days of receiving a request,” she said. “Now we need at least a week, if not over two weeks, before we can schedule an appointment.” The market has been climbing for years now. “Historically, markets tend to be cyclical,” she said. “I don’t like to make predictions as to how the market might be affected until it is, but we will be watching statistics and trends closely.” Moss described opportunities for agents to reach out to past clients, to educate them on the market and to see if there is anything they need. “A lot of people had a change of circumstances and needed to sell and thought that it would be too hard due to COVID,” she said. “It was a surprise to many that they were not ‘stuck’ in a situation that may have caused their family a lot of stress to try to make ends meet.” Swanson said some buyers and sellers were simply uncomfortable touring a house or having people in their house, so realtors responded.

“Most of us are offering sanitizer, masks, gloves or booties made available for those sellers who do market their homes during this time,” he said. “Many agents also rely on virtual showings as well. This may be via Facetime, Facebook video Messenger or other video apps. Marketing has also changed with more agents taking advantage of video or Matterport marketing for their listings.” OABR responded with extensive electronic and technological remodels, including the installation of two “Zoom Rooms.” “These rooms will enable us to simultaneously offer both in-person classes and seminars as well as online from one location,” Swanson said. “They also are capable of the same flexibility for committees, task forces or any other governance needs that may arise.” Barring unforeseen events, as Swanson looks to the rest of 2021, he anticipates it will eclipse 2020 for real estate activity. “Current rates continue to be at or near all-time lows and fairly priced houses are going off the market in record time,” he said. “It will continue to be frustrating for first-time buyers and those looking to find houses around $300,000 or less, as that is the hot spot for home purchasers. Investors and flippers will continue to see high competition for those houses coming on the market in dire need of repair as well. For the average seller, things should continue to remain robust throughout the year.” As most assignments from lenders require full property inspections, Andersen said its appraisers have been taking measures to protect themselves — from not shaking hands, to wearing masks and using hand sanitizer, to wiping down equipment between appointments. It’s become habit. “We ask a lot of questions of homeowners when appointments are scheduled; many appointments have been canceled or postponed due to COVID-19 exposure or illness at a property,” she said. “While on site, we ask that lights are on and doors are open to minimize contact and maintain a safe distance from the property’s occupants.” Appraisers’ health and safety remain a top priority. “While we have a brick-and-mortar office, some of our staff works from home thanks to technology and remote capabilities,” Andersen said.

Omaha Real Estate •

Midlands Business Journal • JANUARY 22, 2021 •

Diversity, inclusion essential for industry’s continued growth by Jasmine Heimgartner

While the real estate market has always had its ebbs and flows, the representation available to potential buyers and sellers steadily stayed stagnate regarding diversity. The Omaha Area Board of REALTORS’s Diversity Committee is among those leading the charge to continuing change that. “It is important because everyone deserves representation — someone who they are comfortable, who is familiar with their background and Youmans culture, and who can understand their specific needs,” said Ervin Youmans, Nebraska Realty Realtor and Omaha Area Board of REALTORS Diversity chair. “One of our goals at the OABR Diversity Committee is to not only be able to help someone get their start as a Realtor, but we also want the community that they represent to have a voice. Everyone that successfully becomes a Realtor is able to go back and educate their communities on specific programs, loans and information that will help them with their real estate needs. We want to help all communities reinvest in themselves.”

As the community grows, so does the diversity within the population. If a firm has a goal to grow and maintain sustainability, they have a better chance to achieve that by opening the doors to gain new perspectives from people with different cultures and backgrounds. Luckily, any firm looking to learn about the many diverse cultures within the city and surrounding areas don’t have to go far. “I believe getting involved with the local communities and multicultural organizations is important,” Youmans said. “Attending events and allowing the communities to get to know the real estate brokerage can lead to people wanting to know more about the real estate industry. Before COVID-19, the OABR Diversity

Committee attended the Urban League Job Fair. At our table, we were able to talk to those who were interested in becoming a Realtor and tell them about the scholarship we provide. We also recently sent two of our members to the Greater Omaha Chamber’s ‘The Conference on Opportunity, Diversity and Equity.’ It provided insight for the workplace — managers and employees, individuals and community.” The OABR’s Ethnic Minority Outreach Scholarship covers the majority of the licensing process such as classes, test review, test fee and first year dues. It also assigns a mentor to help the candidate throughout the process, helping the individual stay on track and serving as a good resource

of information. For companies striving to evolve their workplace and recruit talent from all walks of life, it’s important to understand that diversity and inclusion go hand in hand. “While you can make a company more diverse, you also have to focus on the inclusion aspect,” Youmans said. “Having tough conversations about how you can help someone from a minority background are important. The first step would be to understand and acknowledge that a certain person’s path may have had more obstacles and setbacks than your own due to them being a minority. Once you acknowledge that, you can work toward being inclusive, which is a twoway street.”

by Neal Templin

ers, real estate data companies like Zillow, RedFin and Opendoor spied opportunity and built up home-flipping operations designed to buy more quickly than mortgage-dependent families could and quickly spruce up properties to resell them at a profit. All of this is driven by proprietary algorithms to help the corporate flippers avoid getting stuck with money-losing homes. Suddenly, it seemed the family home, the bedrock of American household wealth and symbol of middle class success, might become just one more Wall Street asset class — to be bought and sold like stocks

and bonds. That could change the very nature of housing in the U.S., and send the percentage of households that are homeowners plunging. The driving force behind this is an excess of capital in the U.S. and global economy. That’s part of why we have asset bubbles — stocks or homes being bid up wildly. So far, for very specific reasons, both Wall Street and the corporate flippers have been stymied in becoming significant owners, or traders, of SFHs. That doesn’t Continued on next page.

Will home buyers have to outbid institutional money? Coming out of the financial collapse a decade ago, when home foreclosures hit record numbers, Wall Street began buying up hundreds of thousands of single-family homes (SFH). Institutional money had long ago come to Real Estate dominate ownership of U.S. apartments, but the SFH, which accounts for the great bulk of the more than $30 trillion in housing value in the country, hadn’t before drawn this level of interest. And then, following the Wall Street buy-

• JANUARY 22, 2021 • Midlands Business Journal

• Omaha Real Estate

Real estate Q&A: We want to buy a house but can’t afford to do any major repairs for a few years. What should we do? by Gary M. Singer

Q: We are buying our first home and will need to use most of our savings for the down payment and furniture. We cannot afford to make any major repairs for the first couple of years. How can we Real Estate protect ourselves? – Shelley A: While I can understand wanting to get the most house you can afford, it is crucial to afford the home you buy. Many people will count on getting a raise or create other justifications why they should borrow the maximum amount that their lender will allow. You will eventually get a raise or even a better job, but your taxes and insurance will also increase. And even new appliances eventually need to be replaced. Most lenders will require savings equivalent to one or two monthly housing payments, including taxes and insurance. This is not enough. Make sure that you have three to six months in the bank. This way, if you have a temporary setback at work or need

to replace your water heater, you deal with an inconvenience rather than a catastrophe. It is crucial to get a detailed home inspection when purchasing your new home. Like all professionals, inspectors’ skill levels vary, so shop around and ask questions about the process. For an average-size house, the inspection should take about three hours, and the report should be very

detailed. Attend the inspection. Review your inspection report and speak to your inspector about the results. Every home will have issues, but any serious concerns will necessitate a follow-up inspection by an appropriate contractor. For example, if the report points out possible roof issues, you need to hire a

licensed roofer to check it out thoroughly. It is easy to get caught up with the excitement of buying your new house, but you need to keep your feet to the ground to make sure your dream home does not turn out to be a nightmare. ©2021 South Florida Sun Sentinel. Distributed by Tribune Content Agency, LLC.

Will home buyers have to outbid institutional money? Continued from preceding page. mean they won’t figure out a way around the hurdles, just that they’ve been slowed for now. For Wall Street investment funds, the hurdle is the one-off nature of home buying. You negotiate with an individual seller and, in most instances, pay a real estate agent, or middleman, a fee on the order of 5% of the transaction value. To firms that buy billions of dollars of stocks and bonds and other financial instruments in an instant, and pay next to nothing

in commissions, that’s unacceptable; a Wall Street firm paying a 5% fee to buy a bond would have to make an extraordinary profit just to break even. The Wall Street funds were able to endrun that problem after the 2009 recession because banks had foreclosed on so many houses. The banks were happy to sell them, en masse, with no real estate agent fees. Today, Wall Street landlords like Invitation Homes, Americans Homes 4 Rent and Progress Residential own a total of around 250,000 rental homes. Some are owned by

private equity, others by real estate investment trusts. But, for now, Wall Street doesn’t have an easy opening to expand significantly on those holdings. The corporate flippers have a separate problem. Their current algorithms aren’t that great at capturing the complexities of the real estate market, according to a working paper from the National Bureau of Economic Research entitled “Why is Intermediating Houses So Difficult?” Bottom line: The companies with house-valuating algorithms have trouble calculating the value of nearby parks or busy streets or oversized lots or any of the myriad factors that raise or lower the selling price of homes They do better in situations where there is a cluster of similar homes in similar situations. The research found the presence of so-called iBuyers (which use an automated buying system to make quick offers on homes) was stronger in places where there is a ready supply of relatively new houses on small lots costing between $100,000 and $250,000. In Phoenix, for example, the market share of various iBuyers rose to 6% at the end of 2018 from 1% in 2015, the paper found. Economists are interested in iBuyers because in theory they should make housing markets more liquid and efficient. Instead, the paper found iBuyers were most active in housing sectors that already were the most liquid and efficient. “iBuyers choose to intermediate in houses with the highest underlying liquidity,” the paper said. “Even if they are present in a geographic market, iBuyers do not transact in houses whose probability of selling in less than three months is below 20%.” The smaller players should be encouraged that Opendoor has racked up nearly $1 billion in losses in the past six years. Tellingly, the company is expanding into already-crowded lines of business — mortgage making, real estate brokerage — and trying to sell Wall Street analysts on the notion of one-stop shopping for home-transaction services. Maybe. But Sears, Roebuck and others with deep pockets tried that and failed. If you’re trying to sell a house in a hurry, you might like the iBuyers. You can avoid a bunch of strangers in muddy shoes tramping through your home. And potentially close very fast. But there’s a cost. On average, the researchers found that sellers received 3.6% less by going through an iBuyer. That would be $18,000 on your $500,000 bungalow. Then the iBuyers tend to be a bit pricey on the selling end. The research paper found their prices were roughly 1.6% above others in the market. ©2021 Rate.com. Distributed by Tribune Content Agency, LLC.

Midlands Business Journal • JANUARY 22, 2021 •

Why stock markets ended year with records, while other parts of economy limping by Patrick Kennedy

Thousands of people are still out of work, many restaurants and retail stores are fighting for their lives and the service industry may never be the same. But the U.S. stock Economy markets set records to finish 2020, despite volatility produced by the coronavirus pandemic. The S&P 500 Index is up about 70% from its March lows. The market performance could be a sign that the economy will improve over

the next six months. It also could just be a result of economic sectors being unequally represented, financial experts said. In addition, not all Americans share in the wealth of the stock market. A pre-pandemic survey by Pew Research Center found 55% of working Americans had retirement accounts grounded in the stock market or other investment vehicles; only 35% had personal investments. Mansco Perry, the executive director and chief investment officer of the Minnesota State Board of Investment, sees a O - E VEY!

story in the disconnect between the overall economy and the markets. The markets have benefited from the stimulus provided by Congress and the Federal Reserve. Interest rates remain low, and during the mandated economic shutdowns this spring, public companies moved quickly to cut discretionary expenses and preserve their liquidity. Plus, success isn't spread evenly across the S&P 500. If you look at some of its sectors there are some still suffering. "Energy is still awful, airlines are awful, real estate is awful, hotels awful. I mean, they're all still down by double digits," Perry said in early December during the Star Tribune's annual Investors Roundtable. The recession this year also was unlike any other, said David Royal, executive vice president and chief investment officer of Thrivent, in an interview this week. It was not fueled by cyclical excesses, rapidly rising interest rates or systemic breakdowns that were hallmarks of past recessions. The economy was in relatively good shape at the start of the year, and investors were generally bullish about the year ahead, he said. "We just voluntarily shut down the economy in the interest of public health," Royal said. So the recovery doesn't follow patterns of the past either, partly because of the way initial governmental relief was targeted. "There will be times when there seems to be a disconnect because the market is looking at where things are going to be six months or a year from now — particularly in a situation like this where pre-vaccine people are still hurting right now," Royal said. "But yet we can see light at the end of the tunnel so the market is pricing in that light at the end of the tunnel. But people are looking at this week's paycheck and saying this isn't what I'd like." So the stock market gained points and optimism on each new vaccine development and each new federal stimulus announcement. However, a September Pew report found that 46% of working lower-income Americans had trouble paying bills since

Hemp Batch Tracker

Answers on page 12.

Continued from page 2. tunity to understand this crop that is now suddenly legal,” Trowbridge said. Companies need a tracking system that can eliminate any unproven origins of a hemp plant. “Basically, if you can’t prove it through data, then you’re probably lying,” Trowbridge said. Public safety of another sort is why Hemp Batch Tracker has the interest and support of various branches of law enforcement. “If you’re driving an 18-wheeler that has 20 tons of hemp mass in the back and a cop pulls you over, they have to know that it’s hemp and not marijuana,” Trowbridge said. “They can’t get that wrong because that could be an interaction with a cartel. So, our system provides the full documentation and the whole story that helps that law enforcement official know it’s just a routine traffic stop, and they can do their full due diligence without being on edge.”

the pandemic hit the U.S. And 4 in 10 workers evaluate the economy on wages, availability of jobs and the cost of health care, while only a quarter look to the stock market's health, last year's Pew survey found. Unemployment numbers show jobs being added back since record low unemployment levels in the spring but a deeper look into the numbers show Main Street continues to struggle. The number of new unemployment claims and reactivated accounts in Minnesota have started climbing again in October and November. Some were due to seasonality, but claims from service industries rose too even before restrictions were tightened again for Minnesota's bars, restaurants and gyms. While the leisure and hospitality industry in Minnesota was by far the hardest hit in terms of lost jobs in November, the manufacturing, construction, transportation and utilities sectors also lost jobs, according to state data. And so did the government sector because of the end of the census. Martha Pomerantz, a portfolio manager at Evercore Wealth Management, noted that the stock market doesn't represent the whole economy. The S&P 500 Index, the widest-watched indicator of the stock market, by definition doesn't represent the entirety of the economy or even the whole market. It approximates the 500 largest public companies, each measuring their annual revenue in billions of dollars. "The segments of the economy that were most affected represent 19% of GDP and 20% of employment, but only 7% of the operating earnings of the S&P 500," she said. "So many of the companies in the market are actually the ones that are benefiting in this COVID period where they have been able to leverage their technology and they have been able to grow their company at a much faster rate." Some of the actions taken this spring by the Federal Reserve also tended to help the largest companies first and fastest. "If you think about large companies there is a built-in infrastructure if the Fed and the Treasury Department want to get liquidity to those companies and do it really, really quickly," Royal said. "There is no similar mechanisms for small businesses." Policymakers tried some new things to help those small companies including the Payroll Protection Program and some other things but there were no established ways to get money to those small businesses quickly, the experts said. Under the PPP program, a small company was defined as one with less than 500 employees. That generous definition still left a big gap of midsize companies that were not targeted for aid. "These midsize companies are not companies accessing the public debt market so the Fed activity doesn't help them and they may or may not be eligible for PPP," Royal said. So as long as large corporations continue to recover, the stock market will likely continue its upward run, financial experts said. ©2021 Star Tribune. Distributed by Tribune Content Agency, LLC.

• JANUARY 22, 2021 • Midlands Business Journal

Sharp US hiring downshift projected with more risks on horizon by Olivia Rockeman

U.S. job growth probably suffered a sharp slowdown in December, with further weakness expected until COVID-19 vaccines reach a larger swath of Americans Jobs and restore broader economic activity. Economists project the government jobs report recently will show the unemployment rate increased for the first time in eight months with employers hiring 50,000 workers, the fewest since payrolls started to recover in May. That pace, typically insufficient to reduce the jobless rate, would be lackluster growth even in pre-pandemic times, and more than a quarter of forecasters surveyed expect employment to decline amid soaring infections that have spurred states to tighten restrictions. While economists expect vaccinations will result in a faster pace of job growth in the second quarter, the intervening months could bring more labor market pain until many more Americans are inoculated.

Essential workers and the elderly are first in line for the vaccine, which doesn’t result in job gains in the immediate term because those people tend to be either already working or retired, said Michael Gapen, chief U.S. economist at Barclays Plc, who projects a 50,000 decrease in December payrolls. “We wouldn’t read a negative number in December as, ‘The labor market is rolling over, we’re looking at another recession,’ ” Gapen said. “It’s probably more of a lull until vaccines give us critical mass and support for the labor market.” December employment is expected to be stunted primarily by weakness in the service sector amid the surge in virus cases that led to new restrictions, most notably in California, said Aneta Markowska, chief U.S. financial economist at Jefferies LLC. She estimates that payrolls declined by 110,000 in December. Colder weather in some regions may have also held consumers back from dining out, another hit to the restaurant industry.

Manufacturing and construction, meanwhile, may have boosted hiring as factories respond to depleted inventories and builders try to keep up with robust demand for new homes. Hiring in transportation and warehousing, which supports e-commerce, may have also ticked up as a result of Americans doing much of their holiday shopping at home, said Stephen Stanley, chief economist at Amherst Pierpoint Securities LLC. The labor force participation rate may decline as more Americans leave the job market to limit virus exposure, care for someone with virus symptoms, or look after a child not in school or daycare. Those reasons have been keeping nearly 13 million Americans from work, according to Census Bureau survey data collected Dec. 9-21. Data from ADP Research Institute showed private payrolls declined in December, while a Labor Department report recently showed applications for U.S. state unemployment benefits remained elevated in the final week of 2020.

Pandemic spurs technology growth in insurance industry by Zoe Sagalow

Insurers increased their use of catastrophe models, drones and mobile apps during the COVID-19 pandemic, and they anticipate growth in such technolInsurance ogy to continue once the health crisis passes. Some growth in what is known as “insurtech” was driven by the social distancing measures and quarantines that accompanied the pandemic, while adoption of other technologies came despite it. Edin Imsirovic, an associate director at insurance rating firm AM Best, said market pressure from the pandemic advanced innovation by a couple of years or so. “Digitization in the insurance space sort of really accelerated this year due to COVID,” Imsirovic said in an interview. That might accurately describe some advances such as communicating virtually with policyholders, said Serge Gagarin, manager of segment marketing at catastrophe risk modeling firm AIR Worldwide. But “large-scale systems integration projects,” big projects insurers might be undertaking, are developing independently of the pandemic, he said. Technology growth hasn’t always been a priority in the insurance industry. “We’re a slow industry to adopt things sometimes, I dare say,” said Don Griffin, vice president of personal lines for the American Property Casualty Insurance Association. The industry has embraced catastrophe modeling for predicting the severity of events and for claims handling. Use of the technology was increasing before the pandemic, but it accelerated during quarantines for claims handling, experts say. This modeling gives agents an idea of how strong damage was at a location, said Tom Larsen, principal of industry solutions at CoreLogic. “Weather forensics” determine what happened at a specific location rather than half a mile away. “The influence of (COVID-19]) has been to accelerate this technology, which was sort of moving like a glacier,” Larsen said. Using catastrophe modeling for claims is better for policyholders because insurers can handle claims more efficiently and at a lower cost, getting money to clients faster, he said. Because insurers don’t interact with

policyholders often, they can differentiate themselves from other companies by how they respond to customers at times of need, Larsen said. Karen Clark, CEO and co-founder of catastrophe modeling firm Karen Clark & Co., said catastrophe models can be used for projecting average claim severity in the two days before a hurricane makes landfall. Her company’s data, which insurers use for planning, shows damage by zip code and updates twice per day. After a catastrophe, insurers need extra adjusters, so planning for the severity of claims can help them decide where to put them, she added. Models are also used for fraud detection to see if claims for hail damage, for example, are coming from areas where storms didn’t hit. Hail is “the main type of weather that causes insurance claims,” Clark said, estimating it causes insurers more than $15 billion in damage on average each year, about a third of which is for commercial property and personal auto coverage and the rest for homeowners’ coverage. The use of modeling for predicting claims stems from damage modeling, which was surging before the pandemic. The technology involves insurers submitting information to modeling firms that can run millions of scenarios to predict potential impacts from destructive events. In the past several years, hurricanes have been more frequent and sometimes more severe. A record 30 named storms, 12 of which made landfall in the U.S., formed during last year’s Atlantic hurricane season, according to the National Oceanic and Atmospheric Administration. Despite the number of storms, insured losses were consistent with the long-term average based on catastrophe modeling, so using the models helped insurers be prepared, Gagarin said. Models for flooding and wildfires that predict where damage might occur are on the rise. The California Department of Insurance is considering how catastrophe models predict wildfire risk and whether they can be used in rate-making, the subject of a virtual public hearing last month. Models are also a tool for insurers to help

policyholders understand mitigation techniques and their impacts, said Jeff Waters, senior product manager for North Atlantic hurricane solutions at Risk Management Solutions Inc. “The insurer could perform some sensitivity tests and get an idea of just how much of a benefit different mitigation strategies could have at the policyholder level,” Waters said. His firm used event response tools to help insurers during last year’s historic hurricane season. A tool called HWind uses weather foreContinued on page 22.

Another report indicated employment at service providers shrank last month. January also brings other risks. The new virus strain that led to new or extended lockdowns in the U.K. and Germany recently has been identified in the U.S. If states such as New York enter another full shutdown, as Governor Andrew Cuomo has suggested, there could be more layoffs in the coming months, Markowska said. In addition, U.S. vaccine distribution has been slower than planned, adding to headwinds for the recovery. The labor-market pain contrasts with euphoria in the stock market. The S&P 500 has been hovering around a record high as investors look past the current economic difficulties, betting on greater stimulus and an end to the pandemic. The recent passage of a new government stimulus package, which includes more funding for the Paycheck Protection Program, could limit dismissals in coming months, depending on the number of small businesses that can access the loans. Democratic victories in Georgia delivering control of the U.S. Senate could also result in Congress approving an additional stimulus package after President-elect Joe Biden takes office on Jan. 20. “If the virus cases are rising at an alarming clip, businesses might still be forced to cut workers because of a negative outlook,” said Michelle Meyer, head of U.S. economics at Bank of America Corp., who estimates a 50,000 payroll gain in December. “On the positive side, it’s stimulus, on the negative side is the fact that the virus is rising and restrictions are ongoing. ©2021 Bloomberg L.P. Distributed by Tribune Content Agency, LLC

SUPER CROSSWORD PUZZLE ANSWERS

Puzzle on page 11.

Midlands Business Journal • JANUARY 22, 2021 • LEGAL NOTICES MBJ legal notice instructions The following are some guidelines to consider when posting legal notices with the Midlands Business Journal: 1. Submit a written notice in either Microsoft Word or as a PDF document to the Legal Department at legals@mbj.com, fax to 402-758-9315 or mail: 1324 S. 119th St. Omaha, NE 68144. For trade names, submit a copy of approved (bar code in upper right hand corner) Application For Registration of Trade Name from the Secretary of State to the same email address. Please include your billing address and the desired duration you’d like your notice to run (trade names run for only one week). As a publisher and not a legal advisor we print notices exactly as they are submitted and therefor only comp reruns when the notice was rejected or messed up due to a MBJ error. All companies submitting notices are responsible for ensuring the content fits with the State’s requirements and are responsible for the cost of republishing the notice if it is rejected due to misinformation or missing information 2. You will receive a confirmation and price quote. Legal notices, except for trade names, are charged per line. The flat fee for a trade name is $50. Payment options are cash or check. 3. Deadline is noon Tuesday for a notice to start publishing that Friday. 4. All costs include fees to file the notice with the Secretary of State and/or any appropriate courts. 5. You will receive a paid invoice copy the first week it runs and a copy of the affidavit filed with the courts the last week.

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF CONFLUENCE INDUSTRIAL HOLDINGS, LLC The name of the Company is Confluence Industrial Holdings, LLC. The Designated Office of the Company is: 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The Registered Agent and Office of the Company is: Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. This limited liability company commenced business on January 5, 2021. First publication January 15, 2021, final January 29, 2021

NOTICE OF INCORPORATION Notice is hereby given of the incorporation of RAMONA & RUTH, INC., with its registered office address at 118 East Grove Street, West Point, Nebraska 68788 and the registered agent at such address is Russell J. Kreikemeier. The principal office location of the Corporation is at 5914 North 169th Street, Omaha, Nebraska 68116. The purpose or purposes for which this corporation is formed is to own, conduct, operate, maintain and carry on the business of letterpress paper goods, including the conduct of sales of greeting cards, note pads and other various paper products and other related products and services and including the transaction of all or any lawful business or engagement in any commercial venture and including the transaction of all or any lawful business or engagement in any commercial venture permitted by the Nebraska Model Business Corporation Act, as amended, and all other applicable law. The initial authorized number of shares of the corporation is 10,000 and such shares shall be issued at such time and under such conditions as the Board of Directors may determine. The Corporation commenced doing business on January 1, 2021, and shall have perpetual existence. The affairs of the Corporation shall be conducted by a Board of Directors and such officers as may be provided in the bylaws of the Corporation. The incorporator is Kimberly Burks, 5914 North 169th Street, Omaha, Nebraska 68116. First publication January 15, 2021, final January 29, 2021

HUSCH BLACKWELL LLP, Attorneys 13330 California Street, Suite 200 Omaha, Nebraska 68154 NOTICE OF AMENDMENT NOTICE IS HEREBY GIVEN that Dingman’s Collision Center, Inc., a Nebraska corporation (the “Company”), filed Articles of Restatement with the Nebraska Secretary of State on January 5, 2021 wherein the authorized stock of the Company was changed. First publication January 15, 2021, final January 29, 2021

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF VON RIESEN FARMS LLC The name of the Company is Von Riesen Farms LLC. The Designated Office of the Company is: 312 North 96th Street, Omaha, Nebraska 68114. The Registered Agent and Office of the Company is: Thomas J. Von Riesen, 312 North 96th Street, Omaha, Nebraska 68114. This limited liability company commenced business on January 5, 2021. First publication January 15, 2021, final January 29, 2021

JOHN S. KAMPFE, Attorney to Petitioner TIEDEMAN, LYNCH, KAMPFE, MCVAY & RESPELIERS 300 Overalnd Worlk Centre 6910 Pacific Street, Omaha, NE 68106-1045 LEGAL NOTICE In the County Court of Douglas County, Nebraska. PR20-1935 Estate of JOAN S. LANAHAN, Deceased Notice is hereby given that on December 22, 2020, in the County Court of Douglas County, Nebraska, the Registrar issued a written statement of Informal Probate of the Will of said Deceased and that CHRISTINE DORING, whose address is 50 Manchester Court, Berwyn, Pennsylvania 19312, has been appointed Personal Representative of this estate. Creditors of this estate must file their claims with this Court, located at Courtroom No. 30, Third Floor, Probate Division, Douglas County Hall of Justice, 17th & Farnam Streets, Omaha, NE 68183, on or before March 8, 2021 or be forever barred. KELLEY GOLDEN Clerk of the County Court First publication January 8, 2021, final January 22, 2021

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF DISSOLUTION OF THE COLONOSCOPY CENTER, INC. NOTICE IS HEREBY GIVEN that The Colonoscopy Center, Inc., a Nebraska corporation (“Corporation”), has filed Articles of Dissolution with the Nebraska Secretary of State on December 23, 2020, with an effective date of December 31, 2020, and the Corporation is in the process of voluntary dissolution. The terms and conditions of such dissolution are, in general, that all debts and obligations of the Corporation are to be fully paid and satisfied or adequate provision is to be made therefore. The President, Dr. Garnet Blatchford, will wind up and liquidate the Corporation’s business and affairs. The Corporation has no assets or liabilities as of the date hereof. First publication January 8, 2021, final January 22, 2021

MATTHEW WURSTNER, Attorney CARLSON & BURNETT, LLP, Attorneys 17525 Arbor Street Omaha, Nebraska 68130 NOTICE OF AMENDMENT – DOLPHINS, INC. Notice is hereby given that on December 28, 2020, DOLPHINS INC., a Nebraska corporation, filed an amendment to its Articles of Incorporation. The Amendment started the Company changed its name to “BONELLA HOLDINGS, INC.” and the name “BONELLA HOLDINGS, INC.” is to be substituted each place in the Articles of Incorporation where the name “DOLPHINS, INC.” appears. In all other respects, the Articles of Incorporation remain unchanged. By: Gloria M. Bonella, President First publication January 8, 2021, final January 22, 2021

SEAN D. MOYLAN, Attorney MOYLAN LAW, LLC 1010 South 120th Street, Suite 320 Omaha, Nebraska 68154 NOTICE OF ORGANIZATION OF SAMANTHA WORTHING PHOTOGRAPHY, LLC The name of the Company is Samantha Worthing Photography, LLC, a Nebraska limited liability company. The initial registered agent is Sean Moylan located at 1010 S. 120th Street, Suite #320, Omaha, Nebraska 68154. The initial designated office of the Company is located at 1814 Spring Street, Omaha, Nebraska 68108. This limited liability company commenced business on December 28, 2020. First publication January 8, 2021, final January 22, 2021

AMANDA M. FORKER, Attorney PANSING HOGAN ERNST & BACHMAN LLP 10250 Regency Circle, Suite 300 Omaha, Nebraska 68114-3728 NOTICE OF DISSOLUTION OF CUTTER'S BUILDING GROUP, INC. CUTTER'S BUILDING GROUP, INC., a Nebraska corporation (the "Corporation"), has filed Articles of Dissolution with the Nebraska Secretary of State with a dissolution date effective December 28, 2020. The terms of the dissolution provide for the payment of liabilities of the Corporation and the distribution of any remaining assets to the Shareholder of the Corporation. Kristi J. Lambrecht, President, will manage the Corporation's affairs and distribute its assets. Persons with claims against the Corporation must present such claim(s) to: Cutter's Building Group, Inc., c/o Amanda M. Forker, 10250 Regency Circle, Suite 300, Omaha, Nebraska 68114. Claims against the Corporation must include the following information: (i) claimant’s name, address and telephone number during business hours; (ii) any facts which may support the claim; and (iii) any amounts allegedly owed by the Corporation under the claim. Claims not including this information will not be reviewed. Any claims against this Corporation will be barred unless a proceeding to enforce such claims is commenced within three (3) years after the date of this publication. First publication January 8, 2021, final January 22, 2021

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION NOTICE IS HEREBY GIVEN that Healthspan Chiropractic, LLC has been organized under the laws of the State of Nebraska. The limited liability company shall conduct the practice of chiropractic medicine. The designated office of the limited liability company is 12703 Reed Street, Omaha, Nebraska 68022. The registered agent and office of the limited liability company is Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The limited liability company commenced business on December 23, 2020. First publication January 8, 2021, final January 22, 2021

LINDSEY A. SCHULER, Attorney C R O K E R , H U C K , K A S H E R , D e W I T T, A N D E R S O N & GONDERINGER, L.L.C. 2120 South 72nd Street, Suite 1200 Omaha, Nebraska 68124 NOTICE OF ORGANIZATION OF PRESCRIPTION PROPERTIES, LLC The name of the limited liability company is Prescription Properties, LLC. The address of the initial designated office is 5608 Weir Street, Omaha, NE 68117. The name and address of the initial agent for service of process is Lindsey A. Schuler, 2120 South 72nd Street, Suite 1200, Omaha, NE 68124. First publication January 15, 2021, final January 29, 2021

BARBARA MEDBERY-PRCHAL, P.C., L.L.O., Attorney 11102 Blondo Street, Suite 103 Omaha, Nebraska 68164 NOTICE OF ORGANIZATION OF GOLDEN EXTERIORS AND REMODELING, LLC Notice is hereby given that a limited liability company has been formed under the laws of the State of Nebraska, and that the name of the company is Golden Exteriors and Remodeling, LLC The name and street address of the company’s initial registered agent is Law Offices of Barbara MedberyPrchal, P.C., L.L.O., 11102 Blondo Street, Suite 103, Omaha, NE 68164. The designated office is located at 4225 S. 26th Street, Omaha, NE 68107. Dayana Rodriguez, Member First publication January 8, 2021, final January 22, 2021

HUSCH BLACKWELL LLP, Attorneys 13330 California Street, Suite 200 Omaha, Nebraska 68154 NOTICE OF ORGANIZATION OF DINGMAN FAMILY HOLDINGS, LLC NOTICE IS HEREBY GIVEN that Dingman Family Holdings, LLC has been organized under the laws of the State of Nebraska on December 29, 2020 (the “Company”). The Company has designated its registered agent as Diana Dingman, with registered office at 3510 South 144th Street, Omaha, NE 68144. The Company’s initial designated office is at 3402 North 120th Street, Omaha, NE 68164. The Company shall be governed by one or more managers. The general nature of business is any lawful purpose. First publication January 8, 2021, final January 22, 2021

ERICKSON l SEDERSTROM, P.C., Attorneys 10330 Regency Parkway Drive, Suite 100 Omaha, Nebraska 68114 NOTICE OF DISSOLUTION OF DAKOTA ASSET MANAGEMENT, LLC NOTICE IS HEREBY GIVEN that Dakota Asset Management, LLC, a Nebraska limited liability company (the “Company”), filed a Statement of Dissolution with the Nebraska Secretary of State on December 29, 2020. The terms of the dissolution provide for the payment of liabilities of the Company and distribution of any remaining assets. The Company requests that persons with claims against it present them in accordance with this notice. Any claimant shall describe the claim and the date on which the claim arose and mail the claim to the above address. A claim against the company will be barred unless a proceeding to enforce the claim is commenced within five years after the publication of this notice. First publication January 8, 2021, final January 22, 2021

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF MARTINI ENTERPRISES, LLC NOTICE IS HEREBY GIVEN that Martini Enterprises, LLC has been organized under the laws of the State of Nebraska. The designated office of the limited liability company is 4433 South 96th Street, Omaha, Nebraska 68127. The registered agent and office of the limited liability company is Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The limited liability company commenced business on December 29, 2020. First publication January 8, 2021, final January 22, 2021

• JANUARY 22, 2021 • Midlands Business Journal

LEGAL NOTICES MATTHEW WURSTNER, Attorney CARLSON & BURNETT, LLP, Attorneys 17525 Arbor Street Omaha, Nebraska 68130 NOTICE OF INCORPORATION - ROCKWELL ROADRUNNERS PTO, INC. Notice is hereby given that the undersigned has formed a corporation under the Nebraska Nonprofit Corporation Act by filing Articles of Incorporation with the Nebraska Secretary of State on December 23, 2020. The name of the corporation is ROCKWELL ROADRUNNERS PTO, INC. The Corporation is a public benefit corporation and will not have members. The address of the registered office of the corporation is 17525 Arbor Street, Omaha, NE 68130, and the initial registered agent is MATTHEW WURSTNER. First publication January 8, 2021, final January 22, 2021

ERICKSON l SEDERSTROM, P.C., Attorneys 10330 Regency Parkway Drive, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF MISHKA, LLC NOTICE IS HEREBY GIVEN that Mishka, LLC, a Nebraska limited liability company has been duly organized under the laws of the State of Nebraska, with its designated office located at 21 Ginger Woods Circle, Valley, Nebraska 68064 and designating its registered agent as Erickson & Sederstrom, P.C. a limited liability organization with its registered office at 10330 Regency Parkway Drive, Suite 100, Omaha, Nebraska 68114. First publication January 8, 2021, final January 22, 2021

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF DISSOLUTION NOTICE IS HEREBY GIVEN that ALA Holdings L.L.C., a Nebraska limited liability company, filed its Statement of Dissolution with the Nebraska Secretary of State on December 28, 2020, and the company is in the process of voluntary dissolution. The terms and conditions of such dissolution are, in general, that all debts and obligations of the company are to be fully paid and satisfied or adequate provision is to be made therefore, and that the balance of any remaining assets are to be distributed to its Members. Scott Alff will wind up and liquidate the company’s business and affairs. If you have a claim against ALA Holdings L.L.C., please provide the following information with respect to your claim: (1) your name or the name of your entity; (2) the nature of your claim; (3) the amount of your claim; and (4) the date your claim arose. All claims shall be mailed to 10011 J Street, Suite 6, Omaha, Nebraska 68127. A claim against ALA Holdings L.L.C. is barred unless an action to enforce the claim is commenced within five (5) years after the publication date of the third required notice. First publication January 8, 2021, final January 22, 2021

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF INCORPORATION OF ALA HOLDINGS, INC. 1. The name of the Corporation is ALA Holdings, Inc. 2. The Corporation is authorized to issue 1,000,000 Shares having a par value of $.10 each with 100,000 shares designated as voting common stock and 900,000 shares designated as nonvoting common stock. 3. The Registered Office of the Corporation is: 10011 J Street, Suite 6, Omaha, Nebraska 68127, and the Registered Agent at such address is John L. Holtz. 4. The corporate existence began on December 28, 2020, when Articles of Incorporation were filed with the Nebraska Secretary of State. 5. The name and address of the Incorporator is: Michael M. Hupp, 1125 South 103rd Street, Suite 800, Omaha, Douglas County, Nebraska 68124. First publication January 8, 2021, final January 22, 2021

BARBARA MEDBERY-PRCHAL, P.C., L.L.O., Attorney 11102 Blondo Street, Suite 103 Omaha, Nebraska 68164 NOTICE OF DISSOLUTION OF TRINITY DRUG TESTING, LLC Notice is hereby given that a Statement of Dissolution was filed by TRINITY DRUG TESTING, LLC, a limited liability company organized under the laws of the State of Nebraska on September 22, 2020. Notice is hereby given to all creditors or others with claims against the limited liability company that claims must be sent to the company at ATTN: Debra Wasley, 4400 N. Big Spring Street, Suite C26, Midland, TX 79705, and must document the basis for the claim. Any claim must provide the following information in writing: (1) your name and/or the name of your entity; (2) the nature of your claim; (3) the amount of your claim; and (4) the date your claim arose. Please send the information to Debra Wasley, 4400 N. Big Spring Street, Suite C26, Midland, TX 79705. All claims against the company will be barred unless a proceeding to enforce such claims is commenced within five (5) years after the publication date of the third required notice. Debra Wasley, Member First publication January 8, 2021, final January 22, 2021

DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF VERISOLUTIONS, LLC NOTICE IS HEREBY GIVEN that VeriSolutions, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 1406 Veterans Drive, Suite 215, Omaha, Nebraska 68022. The Registered Agent of the Company is DDLG Business Services, Inc., 9500 W. Dodge Road, Suite 100, Omaha, Nebraska 68114. First publication January 8, 2021, final January 22, 2021

NOTICE OF ORGANIZATION Notice is hereby given that Patagonia Framing and Interiors, LLC has been organized as a limited liability company under the Nebraska Uniform Limited Liability Company Act. The initial designated office’s street address is 512 Village Avenue Lincoln, NE 68503. The initial designated office’s mailing address is 512 Village Avenue Lincoln, NE 68503. The Registered Agent is David Subiabre. The street address of the Registered Agent is 512 Village Avenue Lincoln, NE 68503 and the mailing address is 512 Village Avenue Lincoln, NE 68503. The main purpose of the business will be to engage in but not limited to interior home and commercial framing, home and commercial interior and exterior design, updates and decoration, whole home and commercial construction and remodels to specification. First publication January 8, 2021, final January 22, 2021

BARBARA MEDBERY-PRCHAL, P.C., L.L.O., Attorney 11102 Blondo Street, Suite 103 Omaha, Nebraska 68164 NOTICE OF ORGANIZATION OF TMAC VENTURES, LLC Notice is hereby given that a limited liability company has been formed under the laws of the State of Nebraska, and that the name of the company is TMAC Ventures, LLC The name and street address of the company’s initial registered agent is Law Offices of Barbara Medbery-Prchal, P.C., L.L.O., 11102 Blondo Street, Suite 103, Omaha, NE 68164. The designated office is located at 907 Woodcrest Drive, Norfolk, NE 68701. Thomas McGregor, Andrea McGregor, Melanie Fae Wemhoff, and Curtis William Wemhoff Members First publication January 15, 2021, final January 29, 2021

NOTICE OF ORGANIZATION OF REKSUH AUTO, INC. NOTICE IS HEREBY GIVEN that Reksuh Auto, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 10340 North 84th Street, Omaha, Nebraska 68122. The Registered Agent of the Company is Zachary A. Wiegert, 10340 North 84th Street, Omaha, Nebraska 68122. First publication January 15, 2021, final January 29, 2021

BARBARA MEDBERY-PRCHAL, P.C., L.L.O., Attorney 11102 Blondo Street, Suite 103 Omaha, Nebraska 68164 NOTICE OF INCORPORATION OF LAUREL GROUP, INC. Notice is hereby given that a corporation has been formed under the laws of the State of Nebraska, and that the name of the corporation is Laurel Group, Inc. The corporation is authorizied to issue 10,000 shares of common stock. The name and street address of the corporation’s initial registered agent is Law Offices of Barbara Medbery- Prchal, P.C., L.L.O., 11102 Blondo Street, Suite 103, Omaha, NE 68164, and its incorporator is Phil Friesen, 36808 Oakmont Drive, Louisville, NE 68037. Phil Friesen, Incorporator First publication January 15, 2021, final January 29, 2021

Notice is hereby given that Maker Mosaics, LLC, a Nebraska Limited Liability Company, has been organized under the laws of the state of Nebraska, with its initial designated office at 3002 S 76th AVE, Omaha, Nebraska 68124. The initial agent for service of process of the Company is Tamara A Rager, 3002 S 76th AVE, Omaha, Nebraska 68124. First publication January 15, 2021, final January 29, 2021

NOTICE OF AMENDMENT OF GOLDENROD FINANCIAL SERVICES, INC. NOTICE IS HEREBY GIVEN the Articles of Incorporation of Goldenrod Financial Services, Inc., a Nebraska corporation, has been amended to change the name of the company to Goldenrod Services, Inc. The Articles of Amendment to the Articles of Incorporation were filed with the Nebraska Secretary of State on December 29, 2020. First publication January 8, 2021, final January 22, 2021

DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF HEGARTY HOLDINGS, LLC NOTICE IS HEREBY GIVEN that Hegarty Holdings, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 9802 Ascot Drive, Omaha, Nebraska 68114. The Registered Agent of the Company is DDLG Business Services, Inc., 9500 W. Dodge Road, Suite 100, Omaha, Nebraska 68114. First publication January 8, 2021, final January 22, 2021

NOTICE OF ORGANIZATION OF DUBLINER VENTURES LLC Notice is hereby given that Dubliner Ventures LLC has been organized under the laws of the State of Nebraska on December 15, 2020, to conduct any and all lawful business for which limited liability companies can be organized pursuant to the Nebraska statute. The registered agent and designated office for Dubliner Ventures LLC is Alexandra Black at 15459 Stevens Plaza, Omaha, NE 68137. Dubliner Ventures LLC will be membermanaged. First publication January 8, 2021, final January 22, 2021

WHITMORE LAW OFFICE LLC 7602 Pacific Street, Suite 200 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION Notice is hereby given that Alluring Beauty, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office of the Company is 17672 Welch Plaza, Suite 120, Omaha, Nebraska 68135. The Registered Agent of the Company is Alixandria Morrison, 7124 S 155th Avenue, Omaha, Nebraska 68138. The Company was formed on December 29, 2020, and will be effective as of January 1, 2021. First publication January 8, 2021, final January 22, 2021

NOTICE OF ORGANIZATION OF QTD CONSULTING, LLC Notice is hereby given that QTD Consulting, LLC has been organized as a limited liability company under the laws of the State of Nebraska. The Designated Office Address is 10510 Parker Street, Omaha, Nebraska 68114. The Registered Agent is Stephen F Molini with business commencing on December 1st, 2020. First publication January 8, 2021, final January 22, 2021

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF DAVEY TRUCKING LLC The name of the Company is Davey Trucking LLC. The Designated Office of the Company is: 18062 Margo Street, Omaha, Nebraska 68136. The Registered Agent and Office of the Company is: Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. This limited liability company commenced business on December 30, 2020. First publication January 8, 2021, final January 22, 2021

MYRON J. KAPLAN, Attorney McGILL, GOTSDINER, WORKMAN & LEPP, P.C., L.L.O., Attorneys 11404 West Dodge Road, Suite 500, First National Plaza Omaha, Nebraska 68154-2584 NOTICE OF DISSOLUTION OF PARSOW'S FASHIONS FOR MEN, INC. Notice is hereby given that Parsow's Fashions for Men, Inc., a Nebraska corporation, has filed Articles of Dissolution with the Nebraska Secretary of State, and such Corporation is in the process of voluntary dissolution. The terms and conditions of such dissolution are, in general, that all debts and obligations of the corporation are to be fully paid and satisfied or adequate provision is to be made therefor. The balance of the corporate assets are to be distributed to its shareholders. The name of the person who is to manage, wind up and liquidate the corporation’s affairs and his official title is David Parsow, President. The statement of the corporation’s assets and liabilities as of the date hereof is as follows: Assets: $490,000.00 Liabilities: $120,000.00 David Parsow, President First publication January 8, 2021, final January 22, 2021

Midlands Business Journal • JANUARY 22, 2021 • LEGAL NOTICES BENJAMIN J. PICK, Attorney PANSING HOGAN ERNST & BACHMAN LLP 10250 Regency Circle, Suite 300 Omaha, Nebraska 68114-3728 NOTICE OF ORGANIZATION OF SCOUT PROPERTIES, LLC Notice is hereby given of the organization of Scout Properties, LLC: 1. The name of the limited liability company is Scout Properties, LLC; and 2. The street and mailing address of the initial designated office is 10250 Regency Circle, Suite 300, Omaha, Nebraska 68114, and the name and street address of the initial agent for service of process is Benjamin J. Pick, 10250 Regency Circle, Suite 300, Omaha, Nebraska 68114. First publication January 8, 2021, final January 22, 2021

DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF TAMCHESCA, LLC NOTICE IS HEREBY GIVEN that Tamchesca, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 4954 South 176th Circle, Omaha, Nebraska 68135. The Registered Agent of the Company is DDLG Business Services, Inc., 9500 W. Dodge Road, Suite 100, Omaha, Nebraska 68114. First publication January 8, 2021, final January 22, 2021

ABRAHAMS KASLOW & CASSMAN LLP, Attorneys 8712 West Dodge Road, Suite 300 Omaha, Nebraska 68114 NOTICE OF DISSOLUTION Eightmile, LLC, a Nebraska limited liability company (the “Company”), has been dissolved and is winding up its activities in accordance with the Nebraska Uniform Limited Liability Company Act. Persons having claims against the Company must submit them in writing to Mark T. Mowat at 13404 Eagle Run Drive, Omaha, Nebraska 68164. Any claim submitted to the Company shall contain the following information with respect to such claim: the name of the claimant, a description of the nature of the claim, the amount of the claim, and the date on which the claim arose. A claim against the Company is barred unless an action to enforce the claim is commenced within five years after the third publication of this Notice of Dissolution. First publication January 8, 2021, final January 22, 2021

NOTICE OF ORGANIZATION OF SCHAEFER DEVELOPMENT COMPANY, LLC NOTICE IS HEREBY GIVEN that Schaefer Development Company, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 2927 N 84th St, Omaha, Nebraska 68134. The Registered Agent of the Company is DARST, BRUNE & ASSOCIATES, LLC, Attn: Jeff Lapel 14707 California St. #10, Omaha, Nebraska 68154. First publication January 8, 2021, final January 22, 2021

Notice is hereby given that OMV-2, LLC, a Nebraska Limited Liability Company, has been organized under the laws of the state of Nebraska, with its initial designated office at 13305 Birch Dr Ste 201, Omaha, NE 68164. The initial agent for service of process of the Company is Greg Cutchall, 13305 Birch Dr Ste 201, Omaha, NE 68164. First publication January 8, 2021, final January 22, 2021

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 Notice is hereby given that a Termination of Notice of Commencement was recorded on December 29, 2020, with the Douglas County Register of Deeds, Instr. No: 2020155463. Description of Property: Lot 1, Aksarben Village South Replat One, an Addition to the City of Omaha, as surveyed, platted and recorded in Douglas County, Nebraska. Contracting Owner: Center 60 Hospitality, LLC, c/o CFM Realty, 9140 West Dodge Road, Suite 404, Omaha, Nebraska 68114, Attn: JF Carter. The contracting owner’s interest in the real estate is fee simple, subject to easements, covenants and restrictions of record, if any. The name and address of the fee simple title holder, if other than the contracting owner is: same. The Notice of Commencement to which this Termination applies was recorded on April 1, 2019, as Instrument No. 2019020811, in the records of the Register of Deeds of Douglas County, Nebraska. The Notice of Commencement identified above shall be terminated on January 28, 2021. All lien claims for which a notice of lien is not recorded by the termination date referenced above may be defeated by a transfer of the real estate. First publication January 8, 2021, final January 22, 2021

CATHERINE E. FRENCH, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF THE ORGANIZATION OF FY3, LLC Notice is hereby given of the formation of a professional limited liability company under the laws of the State of Nebraska, and that the name of the professional limited liability company is FY3, LLC. The address of the company’s initial designated office is 17410 Burke Street, Suite 200, Omaha, Nebraska 68118. The name and address of the registered agent is LDM Business Services, Inc., 10306 Regency Parkway Drive, Omaha, NE 68114. The general nature of the business to be transacted is all lawful business, including nursing. The company commenced existence on December 31, 2020 and shall have perpetual duration. The affairs of the company shall be conducted by the manager as prescribed by the Operating Agreement. LDM Business Services, Inc., Organizer First publication January 8, 2021, final January 22, 2021

MICHAEL J. WEAVER, Attorney VANDENACK WEAVER LLC 17007 Marcy Street, Suite 3 Omaha, Nebraska 68118 NOTICE OF DISSOLUTION OF DDW LLC. Notice is hereby given that DDW LLC, a Nebraska limited liability company, (the "Company") has been dissolved pursuant to the Nebraska Uniform Limited Liability Company Act. The Company has collected and liquidated its assets, discharged its liabilities, distributed its remaining property to its member, and done every other act necessary to wind up and liquidate its business and affairs. Douglas J. Wilwerding, Manager of the Company, was the person responsible for winding up and liquidating the business and affairs of the Company. All claims against the Company must be made in writing and must include (1) the amount of the claim, (2) the basis of the claim, and (3) all documentation supporting the claim, including, without limitation, invoices, purchase orders, and contracts. All claims must be sent to Douglas J. Wilwerding, c/o Michael J. Weaver, 17007 Marcy Street, Suite 3, Omaha, NE 68118. All claims against the Company will be barred unless a proceeding to enforce the claim is commenced within five years after the publication of this notice. First publication January 8, 2021, final January 22, 2021

CERTIFICATE OF ORGANIZATION OF FRANCES PROPERTIES LLC A NEBRASKA LIMITED LIABILITY COMPANY 1. The name of the limited liability company is FRANCES PROPERTIES LLC. 2. The period of duration for FRANCES PROPERTIES LLC is perpetual. 3. FRANCES PROPERTIES LLC is organized for the purpose of conducting any and all business as permitted by the Nebraska Uniform Limited Liability Company Act. 4. The address of the initial designated office for FRANCES PROPERTIES LLC in Nebraska is 4305 Barker Ave, Omaha, NE 68105. 5. The name and address of the registered agent for FRANCES PROPERTIES LLC in Nebraska is Cynthia Breasch, 4879 S 132nd Ave, Omaha NE 68137. 6. Additional provisions, not inconsistent with the law, for the regulation of the internal affairs of the limited liability company shall be provided for in the Operating Agreement. 7. Holly Swirczek, organizer(s) of FRANCES PROPERTIES LLC has signed the Foregoing Certificate of Organization effective this 1st Day of October 2020. First publication January 8, 2021, final January 22, 2021

DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF WEALTHPLAN HOLDINGS, LLC NOTICE IS HEREBY GIVEN that WealthPlan Holdings, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 101 South 108th Avenue, Omaha, Nebraska 68154. The Registered Agent of the Company is DDLG Business Services, Inc., 9500 West Dodge Road, Suite 100, Omaha, Nebraska 68114. First publication January 8, 2021, final January 22, 2021

WAYNE S. RASMUSSEN, Attorney SMITH SLUSKY POHREN & ROGERS LLP 8712 West Dodge Road, Suite 400 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION 247.AG, LLC NOTICE IS HEREBY GIVEN that on December 29, 2020, 247.AG, LLC was organized as a limited liability company under the Nebraska Uniform Limited Liability Company Act, with a designated office at 306 N. 167th Plz. #6, Omaha Nebraska 68118. The Company’s initial agent for service of process is Terry Svejda, 306 N. 167th Plz. #6, Omaha, Nebraska 68118. First publication January 8, 2021, final January 22, 2021

Notice is hereby given that CMC MOUTH of the SOUTH, LLC, a Nebraska Limited Liability Company, has been organized under the laws of the state of Nebraska, with its initial designated office at 13305 Birch Dr Ste 201, Omaha, NE 68164. The initial agent for service of process of the Company is Greg Cutchall, 13305 Birch Dr Ste 201, Omaha, NE 68164. First publication January 8, 2021, final January 22, 2021

DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF SOGO, LLC NOTICE IS HEREBY GIVEN that SOGO, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 10101 J Street, Omaha, Nebraska 68127. The Registered Agent of the Company is DDLG Business Services, Inc., 9500 West Dodge Road, Suite 100, Omaha, Nebraska 68114. First publication January 8, 2021, final January 22, 2021

RODNEY G. GNUSE, Attorney GNUSE & GREEN LAW OFFICES, P.C. 11311 Chicago Circle Omaha, Nebraska 68154 NOTICE OF INCORPORATION OF PERMANENT NERD DAMAGE STUDIOS, INC. Notice is hereby given of incorporation of PERMANENT NERD DAMAGE STUDIOS, INC. under the laws of the State of Nebraska. The number of shares that the corporation is authorized to issue is up to 10,000 shares of voting common stock. The name and address of the incorporator and the initial registered agent is Jesse Neese, 3273 S. 104th Avenue, Omaha, NE 68124. The Corporation shall engage in any lawful business for which a corporation may be formed under the Nebraska Model Business Corporation Act. Perpetual existence commenced December 30, 2020, when articles were filed with the Secretary of State. Affairs are to be conducted by the Board of Directors and Officers authorized by the Bylaws and the Board. Rodney G. Gnuse, Incorporator First publication January 8, 2021, final January 22, 2021

NOTICE OF ORGANIZATION Notice is hereby given of the organization of Marie Joyce, LLC, with its registered office address at 118 East Grove Street, West Point, Nebraska 68788 and the registered agent at that address being Russell J. Kreikemeier. The designated office location of the Company is 14620 Lake Street, Omaha, Nebraska 68116. The purpose or purposes for which this Company is formed is to own, manage, lease, and deal with real property whether in this State or any other and to conduct all related activities thereto. The Company shall conduct the transactions of all or any lawful business or engagement in any commercial venture permitted by the Nebraska Limited Liability Company Act, as amended, and all other applicable laws. The initial capital of the Company has been contributed and evidence of membership in the Company will be issued by the Management Board. The Company commenced doing business on December 16, 2020, and shall have perpetual existence. The affairs of the Company shall be conducted by a Management Board and such other Officers and Managers as may be provided for in the Operating Agreement of the Company. First publication January 8, 2021, final January 22, 2021

Notice is hereby given that Siebrandt Realty LLC, a Nebraska Limited Liability Company, has been organized under the laws of the state of Nebraska, with its initial designated office at 712 N Polk St Papillion, NE 68046. The initial agent for service of process of the Company is Kristina Siebrandt, 712 N Polk St, Papillion, NE 68046. The company is membermanaged. Nature of the Company is real estate services. First publication January 8, 2021, final January 22, 2021

BENJAMIN C. DEAVER, Attorney PANSING HOGAN ERNST & BACHMAN LLP 10250 Regency Circle, Suite 300 Omaha, Nebraska 68114-3728 NOTICE OF INCORPORATION OF LOCAL OMAHA LADIES ADVANCING Notice is hereby given of incorporation of Local Omaha Ladies Advancing under the laws of the State of Nebraska as follows: 1. The name of the corporation is Local Omaha Ladies Advancing. 2. Local Omaha Ladies Advancing is a public benefit corporation. 3. The street address of the Corporation's initial registered office is 1104 South 84th Street, Omaha, Nebraska 68124. The name of its initial registered agent at that office is Antonette Pash. 4. The name and address of the incorporator is as follows: Antonette Pash 1104 South 84th Street Omaha, NE 68124 5. The Corporation shall engage in any lawful business for which a corporation may be formed under the Nebraska Nonprofit Corporation Act. 6. The Corporation shall not have members. First publication January 8, 2021, final January 22, 2021

• JANUARY 22, 2021 • Midlands Business Journal

LEGAL NOTICES JESSICA E. THOMAS, Attorney PANSING HOGAN ERNST & BACHMAN LLP 10250 Regency Circle, Suite 300 Omaha, Nebraska 68114-3728 NOTICE OF DISSOLUTION OF ZOMAS, LLC ZOMAS, LLC, a Nebraska limited liability company (the "Company"), filed its STATEMENT OF DISSOLUTION with the Nebraska Secretary of State on December 29, 2020. Persons with claims against the Company must present such claim to: Zomas, LLC, c/o Jessica E. Thomas, 10250 Regency Circle, Ste. 300, Omaha, Nebraska 68114. Claims against the Company must include the following information: (i) claimant's name, address and telephone number during business hours; (ii) any facts which may support the claim; and (iii) any amounts allegedly owed by the Company under the claim. Claims not including this information will not be reviewed. Any claims against this Company will be barred unless a proceeding to enforce such claims is commenced within five (5) years after the date this Notice is last published. First publication January 8, 2021, final January 22, 2021

TIFFANY E. THOMPSON, Attorney 4611 South 96th Street, Suite 256 Omaha, NE 68127 NOTICE OF ORGANIZATION NOTICE IS HEREBY GIVEN that HearthPoint, LLC, a Nebraska limited liability company, is organized under the laws of the State of Nebraska, as of September 9, 2020, with its registered office at 2718 N HWS Cleveland Boulevard, Omaha, NE 68116, and with Randy W. Harrison as its initial agent for service of process at 2718 N HWS Cleveland Boulevard, Omaha, NE 68116. The general nature of its business is to engage in and to do any lawful act and any and all lawful business for which a limited liability company may be organized under the laws of Nebraska. First publication January 8, 2021, final January 22, 2021

ERIN K. ARTZ, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF THE ORGANIZATION OF LDC, LLC Notice is hereby given of the formation of a limited liability company under the laws of the State of Nebraska, and that the name of the limited liability company is LDC, LLC. The address of the initial designated office is 313 Court Sheet, Beatrice, Nebraska 68310. The name and address of the registered agent and office is LDM Business Services, Inc, 10306 Regency Parkway Drive, Omahao Nebraska 68114. The general nature of the business is any or all lawful business. The company commenced existence on December 29,2020 and shall have perpetual duration. The affairs of the company shall be conducted by the Members, as prescribed by the Operating Agreement. LDM Business Services, lnc., Or ganizer First publication January 8, 2021, final January 22, 2021

MYRON J. KAPLAN, Attorney McGILL, GOTSDINER, WORKMAN & LEPP, P.C., L.L.O., Attorneys 11404 West Dodge Road, Suite 500, First National Plaza Omaha, Nebraska 68154-2584 NOTICE OFAMENDMENT TO CERTIFICATE OF ORGANIZATION OF MILLER PROPERTIES, L.L.C. NOTICE IS HEREBY GIVEN that Miller Properties, L.L.C., a Nebraska limited liability company, has filed an Amended Certificate of Organization, effective January 1, 2021, revoking the provision of its Articles of Organization establishing the name of the Company and substituting the following provision in its place: Article 1 NAME The name of the Company is Baatz Properties, L.L.C. Stan Baatz, Member First publication January 8, 2021, final January 22, 2021

ERIN K. ARTZ, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF THE ORGANIZATION OF BUSHWOOD LEASING, LLC Notice is hereby given of the formation of a limited liability company under the laws of the State of Nebraska, and that the name of the limited liability company is Bushwood Leasing, LLC. The address of the initial designated office is 313 Court Street, Beatrice, Nebraska 68310. The name and address of the registered agent and office is LDM Business Services, Inc, 10306 Regency Parkway Drive, Omaha, Nebraska 68114. The general nature ofthe business is any or all lawful business. The company commenced existence on December 29,2020 and shall have perpetual duration. The affairs of the company shall be conducted by the Members, as prescribed by the Operating Agreement. LDM Business Services, lnc., Or ganizer First publication January 8, 2021, final January 22, 2021

HUSCH BLACKWELL LLP, Attorneys 13330 California Street, Suite 200 Omaha, Nebraska 68154 NOTICE OF DISSOLUTION NOTICE IS HEREBY GIVEN of the voluntary dissolution of JASPER STONE FINANCIAL PLAZA II LLC, as of December 31, 2020. Any person having a claim, whether known or unknown, against the Company is requested to present such claim in writing to the Company at the following address: c/o Curt Hofer, 16820 Frances Street, Suite 206, Omaha, NE 68130. The claim must be in writing, must be sent by mail to the address set forth above, and must set forth the name, address and telephone number of the claimant, a detailed description and amount of the claim, the date of occurrence of the claim and any tangible evidence to support the claim that is available to the claimant. Unless sooner barred by any other statute limiting actions, any claim against the Company is barred if an action to enforce the claim is not commenced within five years after the publication date of the third required notice. First publication January 15, 2021, final January 29, 2021

STEVEN G. RANUM, Attorney C R O K E R , H U C K , K A S H E R , D e W I T T, A N D E R S O N & GONDERINGER, L.L.C. 2120 South 72nd Street, Suite 1200 Omaha, Nebraska 68124 NOTICE OF ORGANIZATION OF A&A AERONAUTICAL DRONE IMAGERY, LLC The name of the limited liability company is A&A Aeronautical Drone Imagery, LLC. The address of the initial designated office is 18337 Polk Street, Omaha, NE 68135. The name and address of the initial agent for service of process is Steven G. Ranum, 2120 South 72nd Street, Suite 1200, Omaha, NE 68124. First publication January 15, 2021, final January 29, 2021

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF AMENDMENT OF EL ACQUISITION, LLC NOTICE IS HEREBY GIVEN that the Certificate of Organization of El Acquisition, LLC, a Nebraska limited liability company, has been amended as follows: the limited liability company has changed its name to eLIMBS, LLC. The Amended Certificate of Organization was filed with the Nebraska Secretary of State on January 6, 2021. First publication January 15, 2021, final January 29, 2021

BENJAMIN J. PICK, Attorney PANSING HOGAN ERNST & BACHMAN LLP 10250 Regency Circle, Suite 300 Omaha, Nebraska 68114-3728 NOTICE OF ORGANIZATION OF CKP HOLDING COMPANY, LLC Notice is hereby given of the organization of CKP Holding Company, LLC. 1. The name of the limited liability company is CKP Holding Company, LLC. 2. The street and mailing address of the initial designated office is 10250 Regency Cr. Suite 300 Omaha, Nebraska 68114, and the name and street address of the initial agent for service of process is 10250 Regency Circle, Suite 300, Omaha, Nebraska 68114. First publication January 15, 2021, final January 29, 2021

NOTICE OF ORGANIZATION OF PARKER JOHNSON, INC. Notice is hereby given that Parker Johnson, Inc. has incorporated under the Nebraska Model Business Corporation Act. The general nature of the business is any lawful business. Authorized capital is 1,000 shares of common stock, with a par value of $0.00 per share. Foster and Dolleck CPAs is the incorporation and the registered agent. The incorporator's address and the address of the registered office is 11516 Nicholas Street, Suite 302, Omaha, NE 68154. The affairs of the corporation are to be conducted by the Board of Directors and such officers as it may elect. First publication January 15, 2021, final January 29, 2021

JULIA K. PALZER, Attorney at Law KELLOGG & PALZER, P.C. 10828 Old Mill Road, Suite 6 Omaha, Nebraska 68154-2647 1. The name of the Company is FURNITURE SERVICES BY DAN ROCHE, LLC. 2. The street address of the initial designated office is 11214 Martha Circle, Omaha, NE 68144. The registered agent is Daniel J. Roche and the Registered Agent's address is 11214 Martha Circle, Omaha, NE 68144. 3. The general nature of the Company is furniture services. 4. The Company commenced on January 6, 2021, and shall have perpetual existence. 5. The affairs of the Company are to be conducted by Members, the President, Vice President, Secretary, Treasurer, and such other officers as the Members shall determine. First publication January 15, 2021, final January 29, 2021

ARTICLES OF INCORPORATION notice is hereby given that Wee Wisdom Christian Preschool and Academy, Inc., a Nebraska Non-Profit Religious Corporation, has been organized under the Laws of the State of Nebraska on December 2, 2020. The initial registered agent and office: Kim Wagner, 5201 Old Cheney Road, Lincoln, NE 68516. Sole incorporator of the corporation: Richard Kennedy, 6821 Laurent Circle, Lincoln, NE 68526. Corporation has members. First publication January 15, 2021, final January 29, 2021

Notice of Organization Kreikemeier Home Inspections, LLC Notice is hereby given that Kreikemeier Home Inspections, LLC, a Nebraska Limited Liability Company, has been organized under the laws of the State of Nebraska, with its initial designated office at 615 Shoreline Drive, Lot 17, North Bend, NE 68649, and with its initial agent for service of process as Dale Kreikemeier, 615 Shoreline Drive, Lot 17, North Bend, NE 68649. First publication January 15, 2021, final January 29, 2021

Notice of Organization Red Bull Farm Services, LLC Notice is hereby given that Red Bull Farm Services, LLC, a Nebraska Limited Liability Company, has been organized under the laws of the State of Nebraska, with its initial designated office at 2364 I Road, Oakland, NE 68045, and with its initial agent for service of process as John Sanders, 2364 I Road, Oakland, NE 68045. First publication January 15, 2021, final January 29, 2021

Notice of Organization Sass Small Business 2, LLC Notice is hereby given that Sass Small Business 2, LLC, a Nebraska Limited Liability Company, has been organized under the laws of the State of Nebraska, with its initial designated office at 20521 D Street, Elkhorn, NE 68022, and with its initial agent for service of process as Martin Sass, 20521 D Street, Elkhorn, NE 68022. First publication January 15, 2021, final January 29, 2021

Notice of Organization Sass Small Business Consulting, LLC Notice is hereby given that Sass Small Business Consulting, LLC, a Nebraska Limited Liability Company, has been organized under the laws of the State of Nebraska, with its initial designated office at 20521 D Street, Elkhorn, NE 68022, and with its initial agent for service of process as Martin Sass, 20521 D Street, Elkhorn, NE 68022. First publication January 15, 2021, final January 29, 2021

MATTHEW T. PAYNE, Attorney PANSING HOGAN ERNST & BACHMAN LLP 10250 Regency Circle, Suite 300 Omaha, Nebraska 68114-3728 NOTICE OF INCORPORATION OF THE HEALTHY HEART, P.C. Notice is hereby given of incorporation of THE HEALTHY HEART, P.C. under the laws of the State of Nebraska, as follows: 1. The name of the professional corporation is THE HEALTHY HEART, P.C. 2. The number of shares that the professional corporation is authorized to issue is 10,000 shares of voting common stock. 3. The name of the initial registered agent is Antonio P. Reyes, M.D., and the address of the initial registered office is 5824 South 119th Plaza, Omaha, Nebraska 68137. 4. The name and address of the incorporator is Antonio P. Reyes, M.D., 5824 S. 119th Plaza, Omaha, Nebraska 68137. 5. The general nature of the profession to be practiced by the Corporation is medicine and surgery. First publication January 15, 2021, final January 29, 2021

NOTICE OF ORGANIZATION OF HEART OF THE HEARTLAND, LLC Notice is hereby given that HEART OF THE HEARTLAND, LLC, a Nebraska Limited Liability Company, has been organized under the laws of the state of Nebraska. The Company’s initial designated office is located at 5715 S. 98TH Plaza 3B, Omaha, NE 68127. The name and street mailing address of the initial agent for service of process is PAUL M. FISCHER, the initial registered office located 5715 S. 98th Plaza., 3B, Omaha, NE 68127. The general nature of its business is to engage in and do any lawful act concerning any and all lawful business, other than banking or insurance, for which a limited liability company may be organized under the laws of the state of Nebraska. The Certificate of Organization was filed in the office of the Nebraska Secretary of State on October 23, 2020, the Company commenced business thereon, and shall have perpetual existence. The affairs of the Company are to be conducted by its members. First publication January 15, 2021, final January 29, 2021

Midlands Business Journal • JANUARY 22, 2021 • LEGAL NOTICES CATHERINE E. FRENCH, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF THE ORGANIZATION OF ADORE MED SPA, LLC Notice is hereby given of the formation of a limited liability company under the laws of the State of Nebraska, and that the name of the limited liability company is Adore Med Spa, LLC with an initial designated office of 17410 Burke Street, Suite 200, Omaha, Nebraska 68118. The name and address of the registered agent and office is LDM Business Services, Inc, 10306 Regency Parkway Drive, Omaha, Nebraska 68114. The general nature of the business to be transacted is all lawful business. The company commenced existence on January 4, 2021 and shall have perpetual duration. The affairs of the company shall be conducted by the Members, as prescribed by the Operating Agreement. LDM Business Services, Inc., Organizer First publication January 15, 2021, final January 29, 2021

ROBERT J. MURRAY, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF DISSOLUTION Notice is hereby given of the dissolution of Southhills, Inc., a Nebraska corporation (“Corporation”), effective December 31, 2020. Pursuant to the dissolution, all of the assets and property of the Corporation are to be distributed to the shareholders of the Corporation. There are no known liabilities. George Boosalis, as President of the Corporation, is to manage the corporate affairs and distribute the corporate assets. Parties with claims against the Corporation are directed to submit them in writing to the attention of George Boosalis, c/o Lamson, Dugan & Murray, LLP, 10306 Regency Parkway Drive, Omaha, NE 68114. All claims against the Corporation will be barred unless a proceeding to enforce such claims is commenced within five (5) years after the publication of this Notice. SOUTHHILLS, INC., a Nebraska corporation, By: George Boosalis, President First publication January 15, 2021, final January 29, 2021

NOTICE OF INCORPORATION The name of the Corporation is KMG MANAGEMENT, INC. The address of the registered office of the Corporation is 9859 South 168th Avenue, Omaha, NE 68136 and the registered agent of the said Corporation is Andrew C. Sigerson. The Corporation has Ten Thousand (10,000) shares of common stock authorized, each having the par value of $1.00. The Incorporator is Andrew C. Sigerson, 9859 South 168th Avenue, Omaha, NE 68136. ANDREW C. SIGERSON Incorporator First publication January 15, 2021, final January 29, 2021

ROBERT J. MURRAY, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF DISSOLUTION Notice is hereby given of the dissolution of Hoody & Lanspa Family Practice, P.C., a Nebraska corporation (o'Corporation"), effective December 31,2020. Pursuant to the dissolution, all of the assets and property ofthe Corporation are to be distributed to the shareholders of the Corporation. There are no known liabilities. ZiadL. Zawaideh, M.D., as President of the Corporation, is to manage the corporate affairs and distribute the corporate assets. Parties with claims against the Corporation are directed to submit them in writing to the attention of ZiadL. Zawaideh, M.D., c/o Lamson, Dugan & Murray, LLP, 10306 Regency Parkway Drive, Omaha, NE 68114. All claims against the Corporation will be barred unless a proceeding to enforce such claims is commenced within five (5) years after the publication of this Notice. HOODY & LANSPA FAMILY PRACTICE.P.C., a Nebraska corporation, By: ZiadL, Zawaideh, M.D. First publication January 15, 2021, final January 29, 2021

NOTICE OF INCORPORATION 1. Notice is hereby given of incorporation of The JOHN L. HOICH FAMILY FOUNDATION under the laws of the State of Nebraska as follows: 2. The name of the nonprofit corporation is THE JOHN L. HOICH FAMILY FOUNDATION. 3. The nonprofit corporation is a public benefit corporation. 4. The address of the registered office of the nonprofit corporation is 9859 South 168th Avenue, Omaha, NE 68136 and the registered agent of the said Corporation is Andrew C. Sigerson. 5. The name and address of the Incorporator is Andrew C. Sigerson, 9859 South 168th Avenue, Omaha, NE 68136. 6. The nonprofit corporation shall have no members. Andrew C. Sigerson, Incorporator First publication January 15, 2021, final January 29, 2021

NOTICE OF ORGANIZATION 1. The name of the Limited Liability Company is KMG CAPITAL, LLC. 2. The designated office of the limited liability company is 1910 Thomes Avenue, Cheyenne, WY 82001. 3. The registered agent and office of the limited liability company is Andrew C. Sigerson at 9859 South 168th Avenue, Omaha, NE 68136. 4. The purpose for which the company is organized is to engage in any and all business which is lawful under the Nebraska Uniform Limited Liability Company Act of the State of Nebraska. 5. The company commenced its existence on December 21, 2020, and the period of duration of the Company shall be perpetual. 6. The affairs of the company shall be conducted by its Members in accordance with the company’s operating agreement. First publication January 15, 2021, final January 29, 2021

MARTIN P. PELSTER, Attorney C R O K E R , H U C K , K A S H E R , D e W I T T, A N D E R S O N & GONDERINGER, L.L.C. 2120 South 72nd Street, Suite 1200 Omaha, Nebraska 68124 NOTICE OF ORGANIZATION OF PERKINS DELAWARE II, LLC The name of the limited liability company is Perkins Delaware II, LLC. The address of the initial designated office is 608 North 114th Street, Omaha, NE 68154. The name and address of the agent for service of process is Agent Inc., 1015 North 98th Street, Suite 100, Omaha, NE 68114. First publication January 15, 2021, final January 29, 2021

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION NOTICE IS HEREBY GIVEN that ETH Anesthesia, LLC has been organized under the laws of the State of Nebraska. The limited liability company shall conduct the practice of anesthesia. The designated office of the limited liability company is 4968 S. 176th Avenue, Omaha, Nebraska 68135. The registered agent and office of the limited liability company is Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The limited liability company commenced business on December 30, 2020. First publication January 15, 2021, final January 29, 2021

KENDRA RINGENBERG, Attorney RINGENBERG & RATTNER LAW 14301 FNB Parkway, Suite 204 Omaha, Nebraska 68154 N O T I C E O F O R G A N I Z AT I O N O F H E A LT H T E S T I N G LABORATORIES, LLC NOTICE IS HEREBY GIVEN that Health Testing Laboratories, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 222 S. 15th Street, Suite 1404S, Omaha, Nebraska, 68102. The Registered Agent of the Company is Kendra Ringenberg, 14301 FNB Parkway, Suite 204, Omaha, Nebraska 68154. First publication January 15, 2021, final January 29, 2021

NOTICE OF PUBLICATION TO: BEN MCFARLAND You are hereby notified that on 08/26/20, the Plaintiff, Credit Management Services, Inc., filed a Complaint in the COUNTY Court of DOUGLAS County, Nebraska against you shown as Case Number CI20 15392. The object and prayer of which is a judgment in the amount of $ 297.00, plus court costs and prejudgment interest and attorney fees, if applicable. The Complaint prays that judgment be entered against you. You are hereby notified that you must answer the petition on or before 02/28/21, at the COUNTY Court of DOUGLAS County, OMAHA, Nebraska. BY: Steven J Morrison, #24708 P.O. Box 1512 Grand Island, Nebraska 68802 308 398-3801 Attorney for the Plaintiff First publication January 15, 2021, final January 29, 2021

LINDSEY A. SCHULER, Attorney C R O K E R , H U C K , K A S H E R , D E W I T T, A N D E R S O N & GONDERINGER, L.L.C. 2120 S. 72nd Street, Suite 1200 Omaha, Nebraska 68124 NOTICE OF ORGANIZATION OF A&C RENTALS, LLC The name of the limited liability company is A&C Rentals, LLC. The address of the initial designated office is 2120 South 72nd Street, Suite 1200, Omaha, NE 68124. The name and address of the initial agent for service of process is Lindsey A. Schuler, 2120 South 72nd Street, Suite 1200, Omaha, NE 68124. First publication January 15, 2021, final January 29, 2021

DAVID J. SKALKA, Attorney C R O K E R , H U C K , K A S H E R , D E W I T T, A N D E R S O N & GONDERINGER, L.L.C. 2120 S. 72nd Street, Suite 1200 Omaha, Nebraska 68124 NOTICE OF ORGANIZATION OF DLOMAR LLC The name of the limited liability company is Dlomar LLC. The address of the initial designated office is 2908 North 161st Avenue, Omaha, NE 68116. The name and address of the initial agent for service of process is David J. Skalka, 2120 South 72nd Street, Suite 1200, Omaha, NE 68124. First publication January 15, 2021, final January 29, 2021

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF DISSOLUTION OF NOCI HOLDINGS, INC. NOTICE IS HEREBY GIVEN that NOCI Holdings, Inc., a Nebraska corporation (“Corporation”), has filed Articles of Dissolution with the Nebraska Secretary of State on December 30, 2020, and the Corporation is in the process of voluntary dissolution. The terms and conditions of such dissolution are, in general, that all debts and obligations of the Corporation are to be fully paid and satisfied or adequate provision is to be made therefore. The President, Nichole Mallett, will wind up and liquidate the Corporation’s business and affairs. The Corporation has no assets or liabilities as of the date hereof. First publication January 8, 2021, final January 22, 2021

WHITMORE LAW OFFICE LLC 7602 Pacific Street, Suite 200 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION Notice is hereby given that CLK Real Estate, LLC, has been organized as a professional limited liability company under the Nebraska Uniform Limited Liability Company Act. The designated office of the Company is 4658 N 163rd Street, Omaha, Nebraska 68116. The registered agent of the Company is Cynthia L. Kinzey, 4658 N 163rd Street, Omaha, Nebraska 68116. The Company's members, managers, professional employees and agents are licensed or otherwise legally authorized to engage in the sale of real estate in this state. The Company was formed on December 31, 2020. First publication January 15, 2021, final January 29, 2021

WHITMORE LAW OFFICE LLC 7602 Pacific Street, Suite 200 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION Notice is hereby given that Reyes Real Estate, L.L.C., has been organized as a professional limited liability company under the Nebraska Uniform Limited Liability Company Act. The designated office of the Company is 14826 Walnut Grove Circle, Omaha, Nebraska 68137. The registered agent of the Company is Thomas E. Whitmore, 7602 Pacific Street, Ste. 200, Omaha, Nebraska 68114. The Company's members, managers, professional employees and agents are licensed or otherwise legally authorized to engage in the sale of real estate in this state. The Company was formed on December 31, 2020. First publication January 15, 2021, final January 29, 2021

DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF OUR FAMILY HOME HEALTHCARE, LLC NOTICE IS HEREBY GIVEN that Our Family Home Healthcare, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 440 Regency Parkway, Suite 225, Omaha, Nebraska 68114. The Registered Agent of the Company is DDLG Business Services, Inc., 9500 W. Dodge Road, Suite 100, Omaha, Nebraska 68114. First publication January 15, 2021, final January 29, 2021

ERIN K. ARTZ, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF THE ORGANIZATION OF PEARSON FITNESS, LLC Notice is hereby given of the formation of a limited liability company under the laws of the State of Nebraska, and that the name of the limited liability company is Pearson Fitness, LLC. The address of the designated office is 19006 Ohio Street, Elkhorn, Nebraska 68022. The name and address of the registered agent is LDM Business Services, Inc, 10306 Regency Parkway Drive, Omaha, Nebraska 68114. The general nature of the business to be transacted is all lawful business. The company commenced existence on November 20, 2020 and shall have perpetual duration. The affairs of the company shall be conducted by the Members, as prescribed by the Operating Agreement. LDM Business Services, Inc., Organizer First publication January 15, 2021, final January 29, 2021

• JANUARY 22, 2021 • Midlands Business Journal

LEGAL NOTICES Darren R Carlson, Attorney CARLSON & BURNETT, LLP 17525 Arbor Street Omaha, Nebraska 68130 NOTICE OF ORGANIZATION OF 7240 BLONDO, LLC Notice is hereby given that 7240 BLONDO, LLC is organized under the laws of the State of Nebraska. The initial designated office is 17525 Arbor Street, Omaha, NE 68130. The Company’s initial registered agent in the State of Nebraska is: Darren R Carlson, whose address is 17525 Arbor Street, Omaha, NE 68130. The purpose of the Company is to engage in any lawful business and activity, as may be mutually agreed upon by the Members from time to time, and which are not prohibited by the Nebraska Uniform Limited Liability Company Act. The Company commenced with filing its Certificate of Organization on January 12, 2021, and shall have a perpetual period of duration. The Company is a Member Managed Limited Liability Company. Darren R Carlson, Organizer First publication January 15, 2021, final January 29, 2021

NOTICE OF ORGANIZATION of a Limited Liability Company Notice is hereby given the registration with the Nebraska Secretary of state’s office of LEPCO Properties, LLC under the laws of the State of Nebraska as follows: The name of the company is LEPCO Properties, LLC. Registered agent and office of LEPCO Properties, LLC is Jose Leonardo Pacheco Ledesma at 14960 L Street, Omaha, NE 68137. The designated address is 14960 L Street, Omaha, NE 68137. Initial members: Jose Leonardo Pacheco Ledesma. General nature of the business is to transact any and all lawful business for which limited liability companies are allowed by statute. The LLC was organized in January 2021 for the perpetual duration and is managed by its members. First publication January 15, 2021, final January 29, 2021

MATTHEW T. PAYNE, Attorney PANSING HOGAN ERNST & BACHMAN LLP 10250 Regency Circle, Suite 300 Omaha, Nebraska 68114-3728 NOTICE OF INCORPORATION Notice is hereby given of incorporation of Williams TSC, Inc. under the laws of the State of Nebraska as follows: 1. The name of the Corporation is Williams TSC, Inc. 2. The number of shares that the Corporation is authorized to issue is 10,000 shares of common stock. 3. The name of the initial registered agent is Matthew T. Payne, and the address of the initial registered office is 10250 Regency Circle, Suite 300, Omaha, Nebraska 68114. 4. The name and address of the incorporator is Matthew T. Payne, 10250 Regency Circle, Suite 300, Omaha, Nebraska 68114. 5. The general nature of the business to be transacted by the Corporation is any and all lawful business for which a corporation may be incorporated in Nebraska. First publication January 15, 2021, final January 29, 2021

Notice of Organization Kroupa Enterprise, LLC Notice is hereby given that Kroupa Enterprise, LLC, a Nebraska Limited Liability Company, has been organized under the laws of the State of Nebraska, with its initial designated office at 17514 K Street, Omaha, NE 68135, and with its initial agent for service of process as Zachary Kroupa, 17514 K Street, Omaha, NE 68135. First publication January 15, 2021, final January 29, 2021

NOTICE OF ORGANIZATION OF WILLOW CUSTOM HOMES, LLC NOTICE IS HEREBY GIVEN that Willow Custom Homes, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 13233 C Street, Omaha, Nebraska 68144. The Registered Agent of the Company is Jaime Suarez Delgado, 13233 C Street, Omaha, Nebraska 68144. First publication January 15, 2021, final January 29, 2021

NOTICE OF ORGANIZATION of a Limited Liability Company Notice is hereby given the registration with the Nebraska Secretary of state’s office of Advanced Roofing & Exteriors, LLC under the laws of the State of Nebraska as follows: The name of the company is Advanced Roofing & Exteriors, LLC. Registered agent and office of Advanced Roofing & Exteriors, LLC is Edgar Gonzalez Mendez at 4520 S 39th Street, Omaha, NE 68107. The designated address is 4520 S 39th Street, Omaha, NE 68107. Initial members: Edgar Gonzalez Mendez. General nature of the business is to transact any and all lawful business for which limited liability companies are allowed by statute. The LLC was organized in January 2021 for the perpetual duration and is managed by its members. First publication January 15, 2021, final January 29, 2021

Jeffrey T. Palzer, Attorney KELLOGG & PALZER, P.C. 10828 Old Mill Road, Suite 6 Omaha, Nebraska 68154-2647 NOTICE OF NON-PROFIT INCORPORATION 1. The name of the non-profit corporation is THE HOUSE EXPERIENCE, INC. 2. The registered office of the Corporation is 6012 N. 102nd Street, #642021, Omaha, Nebraska 68164. The registered agent at that office is Donna Blum. 3. The corporation is a public benefit corporation and the general nature of the corporation is to restore and strengthen marriage and family relationships using practical holistic and traditional Christian principles and approaches. 4. The corporation commenced on November 17, 2020, and shall have perpetual existence. The name and address of the incorporator is Donna Blum, 6012 N. 102nd Street, #642021, Omaha, Nebraska 68164. 5. The corporation will not have members. First publication January 15, 2021, final January 29, 2021

Darren R Carlson, Attorney CARLSON & BURNETT, LLP 17525 Arbor Street Omaha, Nebraska 68130 NOTICE OF ORGANIZATION OF 5524 N. 99th Street, LLC Notice is hereby given that 5524 N. 99th Street, LLC is organized under the laws of the State of Nebraska. The initial designated office is 17525 Arbor Street, Omaha, NE 68130. The Company’s initial registered agent in the State of Nebraska is: Darren R Carlson, whose address is 17525 Arbor Street, Omaha, NE 68130. The purpose of the Company is to engage in any lawful business and activity, as may be mutually agreed upon by the Members from time to time, and which are not prohibited by the Nebraska Uniform Limited Liability Company Act. The Company commenced with filing its Certificate of Organization on January 12, 2021, and shall have a perpetual period of duration. The Company is a Member Managed Limited Liability Company. Darren R Carlson, Organizer First publication January 15, 2021, final January 29, 2021

Notice of Organization Prairie Wings, LLC Notice is hereby given that Prairie Wings, LLC, a Nebraska Limited Liability Company, has been organized under the laws of the State of Nebraska, with its initial designated office at 1324 N 131st Circle, Omaha, NE 68154, and with its initial agent for service of process as Donald Carpino, 1324 N 131st Circle, Omaha, NE 68154. First publication January 15, 2021, final January 29, 2021

ADAMS & SULLIVAN, P.C., Attorneys 1246 Golden Gate Drive, Suite 1 Papillion, Nebraska 68046-2843 NOTICE OF INCORPORATION PICTURE PERFECT TILE, INC. Notice is hereby given that Picture Perfect Tile, Inc. has been incorporated under the laws of the State of Nebraska on October 26, 2020 when Articles were filed with the Secretary of State. The corporation is authorized to issue 10,000 shares. Patrick J. Sullivan, Incorporator 1246 Golden Gate Drive, Suite 1 Papillion, NE 68046 Registered Office: 1246 Golden Gate Drive, Suite 1, Papillion, NE 68046-2843 Registered Agent: Adams & Sullivan, P.C., L.L.O. First publication January 22, 2021, final February 5, 2021

NOTICE OF ORGANIZATION Notice is hereby given that Tribal Empowerment Strategies, LLC, a Nebraska limited liability company, has been organized under the laws of the State of Nebraska, with a registered office and designated office at 4211 S. 38th St., Omaha, Ne 68107 with registered agent Teresa Renae Dameron. The general nature of its business is to engage in any and all lawful businesses for which am LLC may be organized. The company was organized and commenced on 08/01/2020 and shall have perpetual duration. The agent of the company is owner, Teresa Dameron. First publication January 15, 2021, final January 29, 2021

HUSCH BLACKWELL LLP, Attorneys 13330 California Street, Suite 200 Omaha, Nebraska 68154 NOTICE OF AMENDMENT NOTICE IS HEREBY GIVEN that an Amended Certificate of Organization for JSP Lakeside LLC, a Nebraska limited liability company (the “Company”), was filed with the Nebraska Secretary of State on January 13, 2021 wherein the name of the Company was changed to Lakeside Farms LLC. First publication January 22, 2021, final February 5, 2021

MATTHEW T. PAYNE, Attorney PANSING HOGAN ERNST & BACHMAN LLP 10250 Regency Circle, Suite 300 Omaha, Nebraska 68114-3728 NOTICE OF ORGANIZATION OF ROYCE PETIT ROI, LLC Notice is hereby given of the organization of Royce Petit Roi, LLC: 1. The name of the limited liability company is Royce Petit Roi, LLC; and 2. The street and mailing address of the initial designated office is 12910 Pierce Street, Suite 110, Nebraska 68144, and the name and street address of the initial agent for service of process is James D. Buser, 10250 Regency Circle, Suite 300, Omaha, Nebraska 68114. First publication January 22, 2021, final February 5, 2021

APPLICATION FOR REGISTRATION OF TRADE NAME Trade Name to be registered is: GreenStreet Real Estate Name of Applicant: Greenhouse Real Estate, LLC Address:4949 Underwood Avenue, Omaha, Nebraska 68132 Applicant is a Limited Liability Company If other than an Individual, state under whose laws entity was formed: Nebraska Date of first use of name in Nebraska: January 2021 General nature of business: Real Estate G. THOMAS SIMMONS, IV Signature of Applicant or Legal Representative January 22, 2021

BARBARA MEDBERY-PRCHAL, P.C., L.L.O., Attorney 11102 Blondo Street, Suite 103 Omaha, Nebraska 68164 NOTICE OF ORGANIZATION OF STACY MEARS, LLC Notice is hereby given that a limited liability company has been formed under the laws of the State of Nebraska, and that the name of the company is Stacy Mears, LLC The name and street address of the company’s initial registered agent is Law Offices of Barbara Medbery-Prchal, P.C., L.L.O., 11102 Blondo Street, Suite 103, Omaha, NE 68164. The designated office is located at 8077 Kilpatrick Parkway, Bennington, NE 68007. Stacy Mears, Member First publication January 22, 2021, final February 5, 2021

BARBARA MEDBERY-PRCHAL, P.C., L.L.O., Attorney 11102 Blondo Street, Suite 103 Omaha, Nebraska 68164 NOTICE OF ORGANIZATION OF R&M CONTRACTING, LLC Notice is hereby given that a limited liability company has been formed under the laws of the State of Nebraska, and that the name of the company is R&M Contracting, LLC The name and street address of the company’s initial registered agent is Law Offices of Barbara Medbery-Prchal, P.C., L.L.O., 11102 Blondo Street, Suite 103, Omaha, NE 68164. The designated office is located at 18221 Farnam Street, Elkhorn, NE 68022. Ryan McMahon, Member First publication January 22, 2021, final February 5, 2021

ROBERT J. LIKES, Attorney LIKES MEYERSON HATCH LLC 444 Regency Parkway Drive, Suite 100 Omaha, Nebraska 68114 LEGAL NOTICE In the County Court of Douglas County, Nebraska. PR20-1954 Estate of BARBARA P. TERRY, Deceased Notice is hereby given that on January 8, 2021, in the County Court of Douglas County, Nebraska, PATRICIA A. CURRY, 35 Price Avenue, Welland, Ontario, L3C3Y1, was informlly appointed by the Registrar as Personal Representative of this estate. Creditors of this estate must file their claims with this Court, located at Courtroom No. 30, Third Floor, Probate Division, Douglas County Hall of Justice, 17th & Farnam Streets, Omaha, NE 68183, on or before March 15, 2021 or be forever barred. CARROL L. MILLS Registrar First publication January 15, 2021, final January 29, 2021

DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF 13942, LLC NOTICE IS HEREBY GIVEN that 13942, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 5253 South 133rd Court, Omaha, Nebraska 68137. The Registered Agent of the Company is DDLG Business Services, Inc., 9500 W. Dodge Road, Suite 100, Omaha, Nebraska 68114. First publication January 22, 2021, final February 5, 2021

Midlands Business Journal • JANUARY 22, 2021 • LEGAL NOTICES CATHERINE E. FRENCH, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF ORGANIZATION OF CREATIVBEE, LLC Notice is hereby given of the formation of a limited liability company under the laws of the State of Nebraska, and that the name of the limited liability company is CreativBee, LLC. The name and address of the registered agent and office is LDM Business Services, Inc., 10306 Regency Parkway Drive, Omaha, Nebraska 68114. The general nature of the business to be transacted is all lawful business. The company commenced existence on January 14, 2021 and shall have perpetual duration. The affairs of the company shall be conducted by the Managers as prescribed by the Operating Agreement. LDM Business Services, Inc., Incorporator First publication January 22, 2021, final February 5, 2021

DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF TRR HOLDINGS, LLC NOTICE IS HEREBY GIVEN that TRR Holdings, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 6414 S. 118th Street, Omaha, NE 68137. The Registered Agent of the Company is DDLG Business Services, Inc., 9500 W. Dodge Rd., Suite 100, Omaha, Nebraska 68114. First publication January 22, 2021, final February 5, 2021

ERICKSON l SEDERSTROM, P.C., Attorneys 10330 Regency Parkway Drive, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF CEM ORGANIZATION, LLC NOTICE IS HEREBY GIVEN that CEM Organization, LLC, a Nebraska limited liability company has been duly organized under the laws of the State of Nebraska, with its designated office located at 6513 South 184th Avenue, Omaha, Nebraska 68135 and designating its registered agent as Erickson & Sederstrom, P.C. a limited liability organization with its registered office at 10330 Regency Parkway Drive, Suite 100, Omaha, Nebraska 68114. First publication January 22, 2021, final February 5, 2021

Early Notice and Public Review of a Proposed Activity in a Wetland To: All interested Agencies, Groups, and Individuals This is to give notice that the Department of Housing and Urban Development (HUD) under 24 CFR Part 50 has determined that the following proposed multifamily construction project under HUD’s Section 221(d)(4) mortgage insurance program is located in or near a wetland. HUD will be identifying and evaluating practicable alternatives to locating the action in or near the wetland and the potential impacts on the wetland from the proposed action, as required by Executive Order 11990, and in accordance with HUD regulations at 24 CFR 55.20 “Procedures for Making Determinations on Floodplain Management and Protection of Wetlands.” The scope of the Hanover Flats project involves the new construction of a five (5) building, 205-unit multifamily apartment complex with one (1) office/club house building. The total project area of the Hanover Falls Center development is approximately 45 acres of which the Hanover Flats project footprint will encompass 9.5 acres. A wetland delineation following the 1987 U.S. Army Corps of Engineers (USACE) Wetland Delineation Manual and the 2010 USACE Regional Supplement to the Corps of Engineers Wetland Delineation Manual: Midwest Region (Version 2.0) was completed and eight (8) Palustrine Emergent Seasonally Flooded (PEMC) wetlands were identified along the two (2) drainages that cross the site. These wetlands provide natural functions such as flood control, wildlife habitat, base flow maintenance, as well as sediment and nutrient removal. The total acreage of wetlands is 0.19 acres. No difference in the number or amount of wetlands found on site will result from using the 1987 manual as opposed to the 1989 manual. The proposed project is located on the northwest corner or N. 156th Street and State Street in Omaha, Douglas County, Nebraska. There are three primary purposes for this notice. First, people who may be affected by activities in wetlands and those who have an interest in the protection of the natural environment should be given an opportunity to express their concerns and provide information about these areas. Second, an adequate public notice program can be an important public educational tool. The dissemination of information about wetlands can facilitate and enhance Federal efforts to reduce the risks associated with the occupancy and modification of these special areas. Third, as a matter of fairness, when the Federal government determines it will participate in actions taking place in wetlands, it must inform those who may be put at greater or continued risk. Written comments must be received by HUD at the following address on or before February 8, 2021: U.S. Department of Housing and Urban Development, 400 State Avenue, Room 200, Kansas City, KS 66101. Attention: Larry Hall, Appraiser. Comments may also be submitted via email to Larry.D.Hall@hud.gov. A full description of the project may also be reviewed by request and HUD will provide suitable opportunity for review during the current Covid-19 pandemic. Contact HUD at Larry.D.Hall@hud. gov or 913-551-5519. January 22, 2021

Notice is hereby given that SANDERSON GROUP, INC., has incorporated unter the Nebraska Model Business Corporation Act. The general nature of the business is any lawful business. Authorized capital is 1,000 shares of common stock, with a par value of $0.00 per share. Foster & Dolleck CPAs is the incorporator, the incorporators' address is 11516 Nicholas Street, Suite 302, Omaha, NE 68154. The regisrered agent is Jacque Spikes and the address of the registered office is 634 North 47th Street #4, Omaha NE 68132. The affairs of the corporation are to be conducted by the Board of Directors and such officers as it may elect. First publication January 22, 2021, final February 5, 2021

Notice of Organization Aubray Orduña Consulting, LLC Notice is hereby given that Aubray Orduña Consulting, LLC, a Nebraska Limited Liability Company, has been organized under the laws of the State of Nebraska, with its initial designated office at 4634 Camden Avenue, Omaha, NE 68104, and with its initial agent for service of process as Aubray Orduña, 4634 Camden Avenue, Omaha, NE 68104. First publication January 22, 2021, final February 5, 2021

NOTICE OF ORGANIZATION OF KCCK PROPERTIES, LLC. Notice is hereby given that KCCK PROPERTIES, LLC has been organized as a limited liability company under the Nebraska Uniform Limited Liability Company Act. The address of the designated and registered office of the company is 1326 N 160th St, Omaha, NE 68118. The general nature of the business to be transacted by the company is any lawful business which may be carried on by limited liability companies organized under the Nebraska Uniform Limited Liability Company Act. The company commenced on January 13th, 2021, and has perpetual duration. The manager and registered agent of the company is Aaron Flaugh. First publication January 22, 2021, final February 5, 2021

HUSCH BLACKWELL LLP, Attorneys 13330 California Street, Suite 200 Omaha, Nebraska 68154 NOTICE OF MERGER Dingman’s Collision Center, Inc. was incorporated under the laws of the State of Nebraska on August 10, 2005 (the “Company”). On January 15, 2021, the Company filed Articles of Merger with the Nebraska Secretary of State wherein 1) BDD, LLC, a Nebraska limited liability company, 2) DAT, Inc., a Nebraska corporation, and 3) Alset Automotive, Inc., a Nebraska corporation were merged with and into the Company with the Company being the surviving entity. No amendments to the Amended and Restated Articles of Incorporation of the Company are to be affected as part of the merger. First publication January 22, 2021, final February 5, 2021

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF REFORMED INDUSTRIES, LLC NOTICE IS HEREBY GIVEN that Reformed Industries, LLC has been organized under the laws of the State of Nebraska. The designated office of the limited liability company is 1248 South 112th Plaza, Omaha, Nebraska 68144. The registered agent and office of the limited liability company is Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The limited liability company commenced business on January 12, 2021. First publication January 22, 2021, final February 5, 2021

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF MELLONTIKOS, LLC NOTICE IS HEREBY GIVEN that Mellontikos, LLC has been organized under the laws of the State of Nebraska. The designated office of the limited liability company is 310 South 89th Court, Omaha, Nebraska 68114. The registered agent and office of the limited liability company is Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. The limited liability company commenced business on January 13, 2021. First publication January 22, 2021, final February 5, 2021

AIMEE L. LOWE, Attorney Lowe Legal Group 14301 FNB PKWY, STE 100 Omaha, NE 68154 NOTICE OF ORGANIZATION Notice is hereby given that B Props, LLC, a Nebraska Limited Liability Company, has been organized under the laws of the state of Nebraska, with its initial designated office at 13611 B. Street, Omaha, NE 68144. The initial agent for service of process of the Company is Aimee L. Lowe at 14301 FNB PKWY, STE 100, Omaha, NE 68154. Aimee L. Lowe, Organizer First publication January 22, 2021, final February 5, 2021

AIMEE L. LOWE, Attorney Lowe Legal Group 14301 FNB PKWY, STE 100 Omaha, NE 68154 NOTICE OF ORGANIZATION Notice is hereby given that Micah 6:8 Ventures, LLC, a Nebraska Limited Liability Company, has been organized under the laws of the state of Nebraska, with its initial designated office at 13611 B. Street, Omaha, NE 68144. The initial agent for service of process of the Company is Aimee L. Lowe at 14301 FNB PKWY, STE 100, Omaha, NE 68154. Aimee L. Lowe, Organizer First publication January 22, 2021, final February 5, 2021

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF ORGANIZATION OF BLUE SKY BAR & PATIO, LLC The name of the Company is Blue Sky Bar & Patio, LLC. The Designated Office of the Company is: 1108 South 84th Street, Omaha, Nebraska 68124. The Registered Agent and Office of the Company is: Koley Jessen P.C., L.L.O., 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. This limited liability company commenced business on January 13, 2021. First publication January 22, 2021, final February 5, 2021

RODNEY G. GNUSE, Attorney GNUSE & GREEN LAW OFFICES, P.C. 11311 Chicago Circle Omaha, Nebraska 68154 NOTICE OF INCORPORATION OF PERMANENT NERD DAMAGE STUDIOS, INC. Notice is hereby given of incorporation of PERMANENT NERD DAMAGE STUDIOS, INC. under the laws of the State of Nebraska. The number of shares that the corporation is authorized to issue is up to 10,000 shares of voting common stock. The name and address of the initial registered agent is Jesse Neese, 3273 S. 104th Avenue, Omaha, NE 68124. The name and address of the incorporator is Rodney G. Gnuse, 11311 Chicago Circle, Omaha, NE 68154. The Corporation shall engage in any lawful business for which a corporation may be formed under the Nebraska Model Business Corporation Act. Perpetual existence commenced December 30, 2020, when articles were filed with the Secretary of State. Affairs are to be conducted by the Board of Directors and Officers authorized by the Bylaws and the Board. Rodney G. Gnuse, Incorporator First publication January 22, 2021, final February 5, 2021

Rodney G. Gnuse GNUSE & GREEN LAW OFFICES, P.C., Attorneys 11311 Chicago Circle Omaha, Nebraska 68154 NOTICE OF ORGANIZATION OF KNAPSTER PROPERTIES, L.L.C. A Nebraska Limited Liability Company Notice is hereby given that Knapster Properties, L.L.C., a Nebraska Limited Liability Company, has been organized under the laws of the State of Nebraska, with its designated office located at 7016 N. 153rd Street, Bennington, NE 68007. The general nature of its business is to engage in and do any lawful act concerning any and all lawful business for which a limited liability company may be organized under the laws of the State of Nebraska. The address of the limited liability company’s initial registered office is 7016 N. 153rd Street, Bennington, NE 68007 and the name of its’ initial registered agent at such address is John Knape. The Certificate of Organization was filed in the office of the Nebraska Secretary of State on January 6, 2021. The Company commenced business thereon and shall have perpetual existence. The affairs of the Company are to be conducted by the Members. Rodney G. Gnuse, Organizer First publication January 22, 2021, final February 5, 2021

BARBARA MEDBERY-PRCHAL, P.C., L.L.O., Attorney 11102 Blondo Street, Suite 103 Omaha, Nebraska 68164 NOTICE OF ORGANIZATION OF KTC HOLDINGS, LLC Notice is hereby given that a limited liability company has been formed under the laws of the State of Nebraska, and that the name of the company is KTC Holdings, LLC The name and street address of the company’s initial registered agent is Law Offices of Barbara Medbery-Prchal, P.C., L.L.O., 11102 Blondo Street, Suite 103, Omaha, NE 68164. The designated office is located at 11506 Nicholas Street, Suite 105, Omaha, NE 68154. T. Kelly Klein, Melanie Fae Wemhoff, and Stephanie Childers Members First publication January 22, 2021, final February 5, 2021

• JANUARY 22, 2021 • Midlands Business Journal

LEGAL NOTICES BARBARA MEDBERY-PRCHAL, P.C., L.L.O., Attorney 11102 Blondo Street, Suite 103 Omaha, Nebraska 68164 NOTICE OF ORGANIZATION OF KARI WITT, LLC Notice is hereby given that a professional limited liability company has been formed under the laws of the State of Nebraska, and that the name of the company is KARI WITT, LLC The name and street address of the company’s initial registered agent is Law Offices of Barbara MedberyPrchal, P.C., L.L.O., 11102 Blondo Street, Suite 103, Papillion, NE 68133. The designated office is located at 16008 S. 63rd Street, Papillion, NE 68133. Kari Witt, Member First publication January 22, 2021, final February 5, 2021

BARBARA MEDBERY-PRCHAL, P.C., L.L.O., Attorney 11102 Blondo Street, Suite 103 Omaha, Nebraska 68164 NOTICE OF ORGANIZATION OF JRB REALTY, LLC Notice is hereby given that a professional limited liability company has been formed under the laws of the State of Nebraska, and that the name of the company is JRB Realty, LLC The name and street address of the company’s initial registered agent is Law Offices of Barbara Medbery-Prchal, P.C., L.L.O., 11102 Blondo Street, Suite 103, Omaha, NE 68164. The designated office is located at 2938 Bridgeford Road, Omaha, NE 68124. John Begley, Member First publication January 22, 2021, final February 5, 2021

BARBARA MEDBERY-PRCHAL, P.C., L.L.O., Attorney 11102 Blondo Street, Suite 103 Omaha, Nebraska 68164 NOTICE OF ORGANIZATION OF CATTAIL COVE COLLECTIVE, LLC Notice is hereby given that a limited liability company has been formed under the laws of the State of Nebraska, and that the name of the company is Cattail Cove Collective, LLC The name and street address of the company’s initial registered agent is Law Offices of Barbara Medbery-Prchal, P.C., L.L.O., 11102 Blondo Street, Suite 103, Omaha, NE 68164. The designated office is located at 912 S. 37th Street, Omaha, NE 68105. Abby Scott, Member First publication January 22, 2021, final February 5, 2021

BARBARA MEDBERY-PRCHAL, P.C., L.L.O., Attorney 11102 Blondo Street, Suite 103 Omaha, Nebraska 68164 NOTICE OF ORGANIZATION OF TRE SALON, LLC Notice is hereby given that a limited liability company has been formed under the laws of the State of Nebraska, and that the name of the company is Tre Salon, LLC The name and street address of the company’s initial registered agent is Law Offices of Barbara Medbery-Prchal, P.C., L.L.O., 11102 Blondo Street, Suite 103, Omaha, NE 68164. The designated office is located at 13441 Erskine Street, Omaha, NE 68164. Krista Lane, Member First publication January 22, 2021, final February 5, 2021

NOTICE OF ORGANIZATION OF GOLF LOVER PROPERTIES, LLC NOTICE IS HEREBY GIVEN that Golf Lover Properties, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 14301 FNB Parkway, Suite 204, Omaha, Nebraska 68154. The Registered Agent of the Company is Kendra J. Ringenberg, 14301 FNB Parkway, Suite 204, Omaha, Nebraska 68154. First publication January 22, 2021, final February 5, 2021

MATTHEW WURSTNER, Attorney CARLSON & BURNETT, LLP, Attorneys 17525 Arbor Street Omaha, Nebraska 68130 NOTICE OF ORGANIZATION OF NEIGHBORS FOR COMMON GOOD Notice is given that NEIGHBORS FOR COMMON GOOD is organized under the laws of the State of Nebraska. The Corporation is a public benefit corporation and will not have members. The Corporation’s initial registered agent was Mike Huber whose address was 2709 Dewey Ave #7, Omaha, Nebraska 68105. The current registered agent is Kristy Leahy whose address is 3309 Nebraska Circle, Omaha, Nebraska 68111. The Corporation commenced by filing its Articles of Incorporation on October 18, 2017. Its incorporator was LegalZoom.com, Inc., whose address was 101 N. Brand Blvd, 10th Floor, Glendale, CA 91203. First publication January 22, 2021, final February 5, 2021

NOTICE OF INCORPORATION Notice is hereby given of the incorporation of RUSTIC FARMHOUSE INVESTMENTS, INC., with its registered office address at 118 East Grove Street, West Point, Nebraska 68788 and the registered agent at such address is Russell J. Kreikemeier. The principal office location of the Corporation is at 11928 West Center Road, Omaha, Nebraska 68144. The purpose or purposes for which this corporation is formed is to own, conduct, operate, maintain and carry on the business of a quilt shop, including the conduct of education courses and sales of all products for the creation of quilts and quilting equipment and to sell supplies and other related products and services and including the transaction of all or any lawful business or engagement in any commercial venture and including the transaction of all or any lawful business or engagement in any commercial venture permitted by the Nebraska Model Business Corporation Act, as amended, and all other applicable law. The initial authorized number of shares of the corporation is 10,000 and such shares shall be issued at such time and under such conditions as the Board of Directors may determine. The Corporation commenced doing business on January 1, 2021, and shall have perpetual existence. The affairs of the Corporation shall be conducted by a Board of Directors and such officers as may be provided in the bylaws of the Corporation. The incorporator is Deborah Cox, 11928 West Center Road, Omaha, Nebraska 68144. First publication January 22, 2021, final February 5, 2021

BARBARA MEDBERY-PRCHAL, P.C., L.L.O., Attorney 11102 Blondo Street, Suite 103 Omaha, Nebraska 68164 NOTICE OF ORGANIZATION OF HARRER HOMES, LLC Notice is hereby given that a professional limited liability company has been formed under the laws of the State of Nebraska, and that the name of the company is Harrer Homes, LLC The name and street address of the company’s initial registered agent is Law Offices of Barbara MedberyPrchal, P.C., L.L.O., 11102 Blondo Street, Suite 103, Omaha, NE 68164. The designated office is located at 7402 S. 50th Street, Omaha, NE 68157. Donald Harrer III, Member First publication January 22, 2021, final February 5, 2021

MATTHEW WURSTNER, Attorney CARLSON & BURNETT, LLP, Attorneys 17525 Arbor Street Omaha, Nebraska 68130 NOTICE OF ORGANIZATION OF HANSEN CABIN, LLC Notice is hereby given that HANSEN CABIN, LLC is organized under the laws of the State of Nebraska. The initial designated office is 22880 West Angus Road, Gretna, Nebraska 68028. The initial registered agent is Randy Hansen, whose address is 22880 West Angus Road, Gretna Nebraska 68028. The purpose of the Company shall be to engage in any lawful business and such activity, as may be mutually agreed upon by the Members from time to time, and which are not prohibited by the Nebraska Uniform Limited Liability Company Act. The Company commenced on January 19, 2021 and shall have a perpetual period of duration. The Company is to be managed by its initial Members of the Company who are Denise Kennedy, Randy Hansen, and Rodney Hansen. Carlson & Burnett, LLP, Organizer First publication January 22, 2021, final February 5, 2021

APPLICATION FOR REGISTRATION OF TRADE NAME Trade Name to be registered is: The Air Ductors Name of Applicant: Adam Ofri Address: 3841 Grover St. Omaha NE 68105 Applicant is a Individual If other than an Individual, state under whose laws entity was formed: Date of first use of name in Nebraska: 01/07/21 General nature of business: Air Duct ADAM OFRI Signature of Applicant or Legal Representative January 22, 2021

MODERN LAW FIRM, PC, LLO PO Box 209 Boys Town, NE 68010 NOTICE OF MERGER, CONVERSION & ORGANIZATION NOTICE that Articles of Merger of Peak Engraving, Inc., a Nebraska business corporation, with and into Peak Industries, Inc., were filed with the Nebraska Secretary of State on December 31, 2020, in accordance with the Nebraska Model Business Corporation Act. The merger was effective on January 1, 2021. The surviving entity in the merger was Peak Industries, Inc. NOTICE FURTHER that Peak Industries, Inc. a Nebraska business corporation, has been converted into Peak Industries, LLC, under the laws of the State of Nebraska. Articles of Conversion of Peak Industries, Inc., into Peak Industries, LLC, and Certificate of Organization of Peak Industries, LLC, were filed with the Nebraska Secretary of State on December 31, 2020, in accordance with the Nebraska Model Business Corporation Act and the Nebraska Uniform Limited Liability Company Act. The conversion was effective on January 1, 2021. The Designated Office is at 1412 N 153rd Cir, Omaha, NE 68154. The Registered Agent is Jason L. Bickford, 1412 N 153rd Cir, Omaha, NE 68154. First publication January 22, 2021, final February 5, 2021

BARBARA MEDBERY-PRCHAL, P.C., L.L.O., Attorney 11102 Blondo Street, Suite 103 Omaha, Nebraska 68164 NOTICE OF ORGANIZATION OF HTR PAYMENT SOLUTIONS, LLC Notice is hereby given that a limited liability company has been formed under the laws of the State of Nebraska, and that the name of the company is HTR Payment Solutions, LLC The name and street address of the company’s initial registered agent is Law Offices of Barbara Medbery-Prchal, P.C., L.L.O., 11102 Blondo Street, Suite 103, Omaha, NE 68164. The designated office is located at 11102 Blondo Street, Suite 100, Omaha, NE 68164. Jim Prchal, and Kellie Schofield, Members First publication January 22, 2021, final February 5, 2021

NOTICE OF ORGANIZATION OF a Limited Liability Company NOTICE IS HEREBY GIVEN that #1 EAGLES CONSTRUCTION LLC has been organized under the laws of the State of Nebraska. The designated office of the limited liability company is 5065 S 40th st Omaha, NE 68107. The registered agent of #1 Eagles Construction LLC is Miguel Angel Cifuentes Cruz 5065 S 40th st Omaha, NE 68107. First publication January 22, 2021, final February 5, 2021

NOTICE OF ORGANIZATION OF MOAT CAPITAL LLC NOTICE IS HEREBY GIVEN that Moat Capital LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 1113 S 10th St, #5, Omaha, Nebraska 68108. The Registered Agent of the Company is Jeffrey Milewski located at 1113 S 10th St, #5, Omaha, Nebraska 68108. First publication January 22, 2021, final February 5, 2021

Attention Law Firms

Email your legal notices to legals@mbj.com You will receive a confirmation email stating when it will begin publication.

Midlands

Business Journal

(402) 330-1760 www.mbj.com

Midlands Business Journal • JANUARY 22, 2021 •

Insurance Technology A section prepared by the staff of the Midlands Business Journal

A section prepared by the staff of the Midlands Business Journal

Topics may include:

Industry overview • Property/Casualty insurance update Home and Auto insurance trends • Growing popularity of pet insurance Health insurance coverage for small businesses

Hottest tech jobs • Tech tools to ease return to the office E-Learning will continue to grow • AI and industry automation Tech growth in Nebraska: Trends local tech firms are noting for 2021

Issue Date: February 5 • Ad Deadline: January 28

Issue Date: February 12 • Ad Deadline: February 4

Young Professionals A section prepared by the staff of the Midlands Business Journal

O N L Y

I N

NEBRASKA A section prepared by the staff of the Midlands Business Journal

Topics may include:

YPs driving change in the community • How the pandemic is driving innovation • Making a career shift Empowering the next generation • Work/life balance in the age of WFH (work from home) Networking: How YPs managed to stay connected in 2020 and how to network in the future

Silicon Prairie: local startups • Uniquely Nebraska eateries and purveyors Local attractions and their roles to the community • Agribusiness Home-grown corporations maintaining Nebraska HQs

Issue Date: February 12 • Ad Deadline: February 4

Issue Date: February 19 • Ad Deadline: February 11

To advertise your company’s products or services in one of our upcoming sections, contact our Director of Advertising at karla@mbj.com.

• JANUARY 22, 2021 • Midlands Business Journal

Baum Hydraulics powers surge in hose sales with new brand Continued from page 1. chance on a newer brand of hydraulic hose that hadn’t been in the United States before,” said Vice President Kelly Hays. “That chance has helped our company reach levels we’ve never seen before.” Based at 1221 Harney St., Baum Hydraulics Corp.’s vaunted catalog features 21 different categories of product; for instance, there are seal kits for farm equipment, as well as for construction and logging, and trash packers and garbage trucks; bolts, nuts, washers and snap rings; valves and filters; pumps and motors; cylinders; hose, hose ends and adapters; bearings; sheaves and belts; and farm, construction, logging, garbage trucks and transit mixer control cables. And, yes, one can still choose from a selection of “wagon hubs and spindle parts” for farm implement wheels. “We used to sell, on average, 100,000 feet of hydraulic hose a year,” Hays said, when asked about the aforementioned “never-before-seen” sales levels. “Since we took on that new brand of hose, we now sell over 1 million feet of hose a year.” Additionally, Hays said Baum Hydraulics added a new line of roller chain: Diamond. “Diamond Chain has been around for over 100 years in our industry,” he said. “So, I’m glad to say that we now sell their product.” Reportedly, then-Baum Iron began to offer the “Red Book Catalog of Hydraulics” in the 1950s. By the mid-1960s, the Red Book became a registered name for the company’s catalog. The afore-referenced categories were pulled from the Redbook, which can now be found online and accessed in sections or as a complete document. “The Redbook hasn’t changed much over the years, but the product inside of it has,” Hays said. “We have original copies of our catalog that are leather-bound from the early 1900s. We also have copies from every decade after that. It’s amazing to see what parts and tools they used to sell back in the early 1900s.” Its landmark red building, which is quite literally a stop on the Old Market historic walking tour, is rich with the history

that comes with a space that was originally years, Hays alluded to the “technology.” “The equipment has evolved more built in 1880 and purchased and occupied by Baum Iron 25 years later. Former oc- through the years than anything else,” he cupants included wholesale grocers Steele, said. “Our customers rely on our website and our experienced Johnson and Co. and sales force to help wholesale hardware Baum Hydraulics Corp. them.” a n d c u t l e r y f i r m , Phone: 402-345-4122 Most of those Lee-Clarke-Andre- Address: 1221 Harney St., Omaha 68102 customers could be esen. Services: wholesale distributor of hydraulic characterized, ac“Our building is machinery parts, including bearings, cable, cording to Hays, as filled with history commercial pumps, chains, cylinders, presprivately-owned reand most all of it is sure hoses, washers, bolts, nuts, band saw pair shops throughstill original,” Hays blades, valves, filters, adapters, and hubs out the U.S. said. “Everyone that Founded: 1857 as Baum Iron Co. “I don’t feel comes through our Website: www.baumhydraulics.com that COVID-19 has building is mostly intrigued by the fact that we have a wa- changed much of anything in the agriter-driven elevator and that we still use it culture industry,” Hays added. “The ag every day. It’s amazing to see a 15-foot [industry] still has to work, no matter what cylinder that is two-foot in diameter op- is happening in the world.” The people that power sales and other erate with just water pressure.” That said, when asked about the biggest functions to serve these customers span changes to customer composition in recent 32 in total.

New owners of Edgewater target Omaha and mid-state markets Continued from page 1. chairman J.R. Johnson is redoubling its growth plan through organic opportunities as well as acquisitions. Edgewater Equity, the firm’s new corporate owner, is headquartered at 3610 W. Capital Ave., in Grand Island. The Edgewater name is a nod to the Platte River, Shavlik said. The ownership group is expecting to be expanded later this year. Shavlik, who started his insurance career in Osceola in 1998 shortly after he graduated from the University of Nebraska at Kearney with his business administration degree, said an Omaha team of four employees will be moving into a 4,100-square-foot branch office at One Pacific Place. Edgewater ’s Lincoln group, operating out of 201 Sun Valley Blvd., is also being strengthened. “While the market will continue to harden up what gives us the leg-up, so to speak, are our carriers and the options we can offer,” Shavlik said. “That’s the takeaway. “We’re doing our name re-branding

Pandemic spurs technology growth in insurance industry Continued from page 1. casting data and conveys the uncertainty about where a storm could go and how strong it could be, he said. Along with catastrophe modeling, drone use is on the rise. It’s a technology whose use increased as a result of social distancing. Karen Collins, assistant vice president of personal lines at the American Property Casualty Insurance Association, said drones came into widespread use after Hurricane Harvey in 2017. According to Clark, they were even more valuable during the pandemic to help avoid in-person inspections, such as when adjusters climb on roofs to see damage. “Certainly drone technology has been used a lot more,” Clark said. “That was coming along anyway, but I know a lot of companies are subscribing to that so they can quickly survey particular houses in the impacted areas to see how many of their policyholders could have roof damage,” which is the most common

“Fourteen have been here over 20 years,” he said. “We just had one employee retire after 47 years of working here at Baum.” That employee, Deborah Nelson, started with Baum right out of high school in 1962. She retired in 2019 at the age of 65. “This was the only job she’s ever had,” Hays said. Hays said they really try to make it a fun environment for employees. “Before COVID, we would grill hamburgers and hot dogs for all of the employees and also have an all-day cornhole tournament during work hours,” he said. “We liked to do this for spring planting season and fall harvest.” Additionally, Hays said the team has supported youth sports through the years. “We like to sponsor golf holes for golf fundraisers as well,” he said. The company has operated as Baum Hydraulics Corp. since 2000.

in a hurricane. She anticipates that trend will continue after the COVID-19 pandemic. Looking forward, insurers see more technology growth. One area is the expansion of phone apps, such as those for initial underwriting, Collins said. Some carriers were using them before the pandemic, and some adapted because of it, she said based on her own observations. “The insurance industry is very open to embracing new technologies,” Collins said. “Anything that is bringing efficiencies into play, and might even be cost savers that they can, in turn, pass savings on to policyholders to reduce rates, are certainly technologies that the industry’s going to be very receptive to and not just turn off … when the pandemic finally concludes.” (c)2021 CQ Roll Call Distributed by Tribune Content Agency, LLC

now and entering new markets with an Shavlik said the teams know the clasaggressive campaign.” sification codes for appropriate categories For example, Shavlik cited the trio and the general liabilities faced in sectors of Steve Gratopp, Ben Struyk and Bill such as a manufacturing, contracting and Zumbrennen, which is opening the Omaha clerical/office. office. Collectively, the group has more “Whether it is an insurance product than 50 years’ experience and a superior for individuals or businesses, finding the knowledge of the metro area market. perfect policy is based on establishing a Gratopp, since long-term and lasthis 1989 graduation Edgewater Insurance & ing relationship with in business adminis- Farm Management the client,” he said. tration from Midland Phone: 308-381-1761 Edgewater also University, has spe- Address: 3610 W. Capital Ave., Grand deals in group benecialized in commer- Island 68803 fits, group disability cial insurance and Services: insurance products for individand voluntary benloss-control services uals and business; farm management efits among other and developing rela- Founded: 1961 in Osceola, Nebraska at categories. tionships with con- the Pinnacle Agency Growth is extractors, construction Employees: 46 pected to continue companies, manufac- One-year goal: Strengthen Omaha in identity theft and turers and municipal- presence; expand into tri-cities market of coverage ranging ities in a multi-state Grand Island, Kearney and Hastings. from the cost of cerarea that are seeking Industry outlook: Growth opportunities tified mail and loan lower their risk ex- are with mid-size clients with premium re-application fees posure and coverage volume of $25,000 to $75,000 annually. and long-distance costs. phone calls to reimWebsite: https://edgewaterins.biz Zumbrennen, a bursement for lost southwest Wyoming native with a busi- income and the costs of executing affidaness marketing degree from Mesa State vits, among others. College, owned and operated his own Edgewater also represents data backup agency for 11 years before joining up with specialty insurance that ensures the safety Edgewater in 2012. He is licensed in all of electronic records, documents and other lines of insurance. files via periodically backing them up for “To our clients, pricing [of the product] clients on a secure server. is important, but what’s important to our In the farm services area, Edgewater growth over the years is the service and has a long-standing relationship with knowledge our people bring to the client,” Farmers Mutual of Nebraska as a long-time Shavlik said. provider of customized ag sector policies That’s accomplished via group meet- to insure crops, farmer owners, livestock, ings involving all producers in a branch equine, farm equipment and dwellings, office. farm vehicles, as well as umbrella situ“Here in Grand Island, all producers ations. sit and have a conversation and take an inEdgewater’s success in this sector is ventory of the potential client’s needs,” he based on one-to-one consultations, on-site said. “With this approach we put together a inspections and risk analysis. comprehensive insurance package.” The firm also does farm management Such a collective meeting-of-the-minds work and ag real estate sales. often proves quite beneficial. An example Shavlik said the same personalized was when a client with a personal and service that clients received via Pinnacle business auto policy was advised of the is something that is being built on as Edgeneed for umbrella protection, which would water is entering new markets. cover major bodily injury in an accident, “We’re not changing how we do busiafter other coverage was exhausted. ness,” he said. “That’s a promise.”

Midlands Business Journal • JANUARY 22, 2021 •

Harris and Davis Financial Advisors builds legacy by diversifying team Continued from page 1. joined the firm, she said. With the addition of Davis nearly six years ago, the firm has worked to add small business owners to its roster of clients — a focus that grew stronger in 2020 because of the pandemic. “We always jokingly said, we do believe in

Harris and Davis Financial Advisors Phone: 402-397-5440 Address: 9900 Nicholas St., Suite 360, Omaha 68114 Services: Financial planning including investments, financial planning and insurance for individuals and business owners. Founded: 1981 by Carol Anderson Goal: Continue to focus on providing financial services for small businesses, especially in the smaller communities around Omaha. Website: www.harrisanddavis.com

diversification of people’s portfolios and … we diversified our team as well,” Harris said. Davis got his start in the industry in 2009 after being laid off during the Great Recession. “Millions of jobs were lost,” he said. “I was one of those millions.” His insurance agent, who was a member of NAIFA at the time, encouraged him to pursue the profession. He built his skills at Shelter Insurance, Farm Bureau Financial Services and Principal Financial Group and landed at Harris and Davis on March 1, 2015. “I love my experiences because I gained a little bit of knowledge for every stop that I had,” he said, adding that he got his first taste as a financial adviser at Principal Financial Group. In 2019, the firm started marketing as Harris and Davis Financial Advisors, with the “AND” referencing Anderson, its founder. The partners had worked with Davis’ wife, Jamie, over a period of months to hone the mission, vision and core values. They also refreshed the company’s website in 2020, a boost when the pandemic hit. “I have gotten great feedback, especially from a lot of my teacher clients, how amazing it is that we brought in a young Black male,” Harris said. Most of their 800-900 clients are in Omaha, but as people retire they often move, and now the firm has clients in Arizona, Texas, Nevada, Colorado, South Dakota, North Carolina, Pennsylvania, Connecticut and Florida. “You get a young schoolteacher and have them start putting away $50 a month and all the sudden 10, 15 years go by and they’re sitting with $100,000,” Harris said. “I love to see that. That’s success to us … with our leadership, with our help, our direction.” The small business clients use the firm’s services for their 401(k)s and benefits packages, Harris said, off-setting the decline of in-person meetings at schools because of the pandemic. Harris saw an opportunity to reach out to these business owners in the small community where she lives, especially as the pandemic negatively affected these businesses. She said that more access to financial services are needed in these smaller communities. The close-knit team, working out of the Curnes Financial Group office at 9900 Nicholas St., Suite 360, has ranked around 300 out of 2,000-plus advisers with its broker-dealer Cetera. Anderson and Harris credit their long-term success partly to the relationships they formed with other women in the industry and in the business community, as well as learning and network-

ing opportunities. Early on in Anderson’s career, sexism was part of the culture and she wasn’t expected to succeed because she was a woman. “Once we began to realize that we’re not all the same, we can be different but still be successful, then that made a big difference,” Anderson said of one of the ICAN sessions she attended. “Another thing that helped me a lot is that I formed a study group, the WNFF (Women’s National Financial Forum) … I learned a lot of things from these other women about how business really worked. That was important.” Both Anderson and Harris have served as president of NAIFA-Nebraska — Anderson in

the early 2000s and Harris from 2012-2013. “One of the things that I found throughout that association is making connections with all of these other folks that were my age was that a lot of them were getting into the business because their parents were in it,” Harris said. “There was a group of us, four females — their fathers were in the business, well my mother was in the business. The four of us formed a pretty good relationship and we still to this day get together and we call ourselves the AKs — the ‘Agent’s Kids.’ We still to this day are good friends and kind of have taken the Omaha association under our wing too and tried to bring more light to women and

things like that.” Each partner’s strengths have benefited the team over the years, they said, and even as a mother-daughter team Anderson and Harris might have issues but are able to work them. When Davis joined the firm, they knew they wanted a man in the mix and now they all operate like a family. “We knew we did not need another woman, that’s why Akil is in the mix,” Anderson said. “Again, we don’t always agree — we mumble around with each other sometimes — but the client is still the most important person in the situation, and so that’s been good.”

Attorneys see growth across wide range of legal specialties by Dwain Hebda

Midlands attorneys are reporting healthy growth across a range of legal specialties, from cyber law to mergers and acquisitions to health care. Richard Putnam, managing partner with Baird Holm LLP, said data security concerns have spurred that segment of the legal market, and the trend toward remote workers will likely drive it even more. “Our privacy and security practice is growing rapidly,” he said. “Data breaches Putnam and other security issues are affecting all industries and all sizes of business. We are fortunate to have several attorneys working in this space including Bob Kardell who, prior to joining Baird Holm, had a career with the FBI focused on cybercrime.” Technology is also at the heart of operational efficiencies needed to keep up with the growth in cyber law as well as alternative energy, another of Baird Holm’s growth areas. “Keeping ahead of the game with our technology has been and will continue to be crucial,” Putnam said. “Anticipating what will be next will be important, keeping an eye on innovative ways to make our practice efficient. “We have learned over the last nine months that to serve our clients well, we have to work differently, but yet productively. We will continue to grow, ensuring we can meet our clients’ post COVID-needs and ensuring we have the depth to pursue innovative and efficient services.” Adam Charlsen, office managing partner with Husch Blackwell, also cited the pandemic as being at least partially responsible for growth in the firm’s workload in regulatory areas. “Broadly speaking, our regulatory practices — that is, areas such as health care, education, data and telecommunications and financial services — are booming,” he said. “The proximate causes of that growth are varied. Part of it is explained by the changing policy goals and objectives associated with political turnover in Washington and in state capitals. “Another part of it is the novel challenges that businesses face today that simply were not part of the calculus in past years, like the coronavirus pandemic and evolving laws regarding a host of important areas such as labor and employment and data security.” Charlsen said even as strides are made to contain and neutralize the virus, he doesn’t expect the impact of COVID-19 to ease on legal issues. Therefore, he predicts future business to be brisk.

“We don’t anticipate a slowdown in the pace of regulation in the near term,” he said. “There are large macroeconomic and cultural trends in play that we have only begun to think about in a serious way from a policy perspective. Clients are approaching us to help think through these

Charlsen Hershiser issues.” Some legal specialties are growing despite, and not because of COVID-19, said Margaret

Hershiser, shareholder and executive committee member with Koley Jessen. “Our mergers and acquisitions practice and business succession planning continue to be growth drivers for our firm and will continue to be very active in 2021,” she said. “There is still a lot of capital in the market looking for investment opportunities and there are many things we help business owners with, in order to maximize the value of their businesses prior to a sale.” In fact, Hershiser said, the future is looking so bullish the firm has invested heavily in both human and technological resources to manage it efficiently. “We continue to adopt technology to help streamline our processes, but the nature of our business is counseling clients,” she said. “To do that well, we have added 16 more attorneys in 2020 and plan on continued growth in 2021. We have an amazing team and a phenomenal workplace culture which is also key to our continued growth.”

Engineering Profession

A section prepared by the staff of the Midlands Business Journal

Topics may include: Industry overview • The pandemic's impact on the future of the built environment Engineering job market/education: attracting new talent • Emphasis on safety Project innovations: Experts discuss new tech and unique projects • E-Week Environmental engineering • Continuing education

Issue Date: February 26 • Ad Deadline: February 18 To advertise your company’s products or services in one of our upcoming sections, contact our Director of Advertising at karla@mbj.com.

â&#x20AC;˘ JANUARY 22, 2021 â&#x20AC;˘ Midlands Business Journal

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2020 Friday, February 12th Join us for an awards celebration

Go to MBJ.com to purchase tickets today! A portion of the proceeds go to the Robert G. Hoig Journalism Scholarship Fund.

Midlands Business Journal • JANUARY 22, 2021 •

Advances in Health Care A section prepared by the staff of the Midlands Business Journal

January 22, 2021

Health technologies abound with focus on heightened safety, better access by Michelle Leach he said. It’s a trope for good reason and the Instead of a person taking all that data words have seemingly never rang truer than and analyzing trends, the computer does they do today: crises and challenges breed the work for them, instantaneously. As an innovation. example, the technology can pinpoint the “Since UNeMed’s creation in 1991, patient in room 210 with an elevated heart there has not been a more prorate who is showing signs of ductive six-month stretch than septic shock. That patient’s care the last six months of 2020,” said can then be prioritized. CEO Michael Dixon. “This was Furthermore, in the future, a time when most people were research can be “pooled” globally self-quarantined at home, avoidto benefit science and ultimately ing human interactions at every care that is informed by such turn, only attending virtual events findings. and perhaps streaming a little too Additionally, built into its much TV.” Electronic Medical Record sysYet, during this time (fiscal tem are the likes of a pediatric year ending 2020), he described sepsis identification tool and, in Amis a “string of new inventions” at a an upgraded version, the pedinever-before-seen clip for the University atric deterioration index. Similarly to the of Nebraska Medical Center/University of above example, vital signs and trends in data Nebraska at Omaha tech transfer and com- are monitored to assign each patient a score mercialization organization team. that determines the order in which patients “UNMC and UNO inventors still pro- will be seen based on the numbers. duced 73 new inventions during that time, Children’s recently embarked on a 28 of which were directly related to the collaboration with KidsX, a global ecosysCOVID-19 pandemic,” Dixon said. “Those tem of pediatric innovators anchored by a COVID inventions filled the spectrum of consortium of a reported 40-plus children’s creativity, from clever solutions to overcom- hospitals. Augmented reality (AR) technoling breakdowns in medical supply chains, ogies, for instance, are made with pediatric to more cost-effective solutions for personal patients’ unique needs and preferences in protective equipment, to new ways of testing mind. and treating viral infections.” One example, which aids in rehab, is a In addition to the 73 new inventions, Dixon referenced UNMC and Nebraska Medicine contributions that added to the world’s basic understanding of the novel coronavirus and COVID-19. “UNMC and its clinical partner, Nebraska Medicine, found new ways to safely reuse things like masks and gloves; they orchestrated critical drug trials for potential treatments, namely Remdesivir; they set the example for health care providers everywhere on the best policies and practices of confronting the pandemic,” he said. Dr. Stephen Dolter spoke from both the clinician and the information technology perspective, as both the vice chair of the department of medicine and the interim chief medical informatics officer (CMIO) with Children’s Hospital and Medical Center. From the get-go, Dolter referenced how automation is elevating the quality of care, so that clinicians can spend less time looking at the medical charts and more time looking at patients. “Computer systems can instantly analyze the data that is coming into them,”

Michael Dixon, Ph.D., president and CEO of UNeMed Corporation. virtual scavenger hunt that encourages pa- hours for a 15- to 20-minute appointment.” tients to get up and move around in fun ways Additionally, he noted how behavioral and all from the convenience and safety of health providers represented “leaders” in their mobile device at home. this area due to the nature of the services Dolter also highlighted Children’s evo- that they offered. lution in telehealth. “Then, when the pandemic hit, we had “Pre-pandemic, we were just getting our other problems,” Dolter said. “Patients didn’t toes wet in telehealth,” he said. “The ways want to come into the clinic or the hospital we were employing it were largely aimed because they were too afraid. It all just snowContinued on page 27. at keeping people from driving hours and

• JANUARY 22, 2021 • Midlands Business Journal • Advances in Health Care

Medical field embraces telehealth boom by Gabby Hellbusch

Medical professionals agree that telehealth has played a major role this past year, allowing patients the opportunity to connect with doctors from the safety and security of their own homes. Dr. William McDonnell, medical director of medical policy at Blue Cross and Blue Shield of Nebraska, said this is especially important for those with chronic conditions. “It expands access to a wider array of specialists and services, including mental health care providers, especially in remote or

rural areas,” McDonnell said. “Telehealth also enables increased flexibility in scheduling appointments quickly, at any time of day, without having to worry about transportation or travel time, and without risk of exposure to viruses in the clinic setting.” At Blue Cross and Blue Shield of Nebraska, McDonnell said the use of telehealth by members, doctors and other providers has soared over the last year. “Now that providers and patients alike see how secure, convenient and effective it can be,

A provider showcases telehealth technology available in primary care rooms. Clinic-based, live video connections are used to connect patients with specialists and providers at distant sites. (Photo courtesy of Health Center Association of Nebraska) I expect to see continued use of telehealth for public spaces or that are quarantined secondary primary care, urgent visits, chronic care man- to COVID-19. This ensures that those who agement, dermatology, ophthalmology, prenatal are post-operative or suffering from pain or disability have access to skilled rehabilitation care, mental health and radiology,” he said. Right now, McDonnell said tools are being advice and care. It has also been a good way to developed to make telehealth work even better show patients how they can stay active at home — like otoscopes and tongue depressors with by being creative using equipment, furniture, or cameras, stethoscope adapters and remote patient monitoring applications. Dr. Brent Cordery, co-owner of Omaha Physical Therapy Institute, said prior to the pandemic, telehealth for physical therapy (PT) was rarely used because of the “handson” treatment PT has McDonnell Cordery Behnke typically provided people, along with the fact areas of the house that would support certain that health insurance companies were not movements or exercises.” reimbursing physical therapists for telehealth Cordery said it is very possible that most services. insurance companies will stop the reimburseYet, once the lockdowns and stay-at-home ment for telehealth services once the pandemic recommendations were issued in March 2020, ends. If this does occur, telehealth services will in-person visits at PT clinics were not an option most likely retreat back to pre-pandemic levels. for many. Amy Behnke, CEO of Health Center “This forced most health insurance compa- Association of Nebraska, said the expansion nies to allow for telehealth services,” he said. of telehealth has been crucial to navigating “The benefit of telehealth is that it has allowed the pandemic for Federally Qualified Health physical therapists to continue working with Centers (FQHCs). patients that are not comfortable going into “Since March, approximately 30% of all FQHC visits have been conducted virtually,” she said. “This has been vital to allowing health centers to expand access to essential health services to those needing care while minimizing the transmission risk for staff.” The use of telehealth has been especially helpful in the behavioral health arena, allowing for virtual visits with mental health practitioners in a safe remote setting. “Remote patient monitoring for individuals with chronic conditions is increasingly at the forefront of telemedicine,” Behnke said. “Patients who have tested positive for COVID-19 are provided pulse oximeters so health centers can remotely monitor patients and intervene if necessary.” Management of prescriptions has also proved effective via telehealth as the patient has direct access to all of their medication during their virtual visit. “Telehealth can remove barriers to care, especially when reaching rural populations or those with serious transportation issues,” she said. “Parity in payment for telehealth services and ensuring that vulnerable populations have access to technology resources are key to ensuring long-term sustainability of telehealth.”

Midlands Business Journal • JANUARY 22, 2021 •

Creating certainty amid uncertain times: You can bulk up your nest egg, even now by Michelle Leach

Marketing agency What If Media Group’s national survey of nearly 19,000 Americans provided insight into what consumers are “resolving” in the new year, and into how they plan to spend or not spend. Nebraska, for one, topped the list with regard to the percentage of respondents who planned to spend more time with family and friends in 2021, while Nebraskans also topped the list and were most likely to not spend more on fitness equipment. None of the key findings referenced anything about saving to grow one’s nest egg. But many of the spending-related resolutions tie to more urgent items and the lingering state of COVID-19; for instance, respondents are generally staying closer to home and anticipate spending more in 2021 on groceries and home improvement. These “trends” were particularly pronounced in the Midwest and South. While it can seem overwhelming to stay on top of longer-view savings goals, especially in times like these, crises can have a way of recalibrating goals and, as Ross Polking of Foster Group puts it, of reiterating the importance of planning. “Investing outside the context of a financial plan really limits people and creates unnecessary risks,” the lead advisor-business development said. “The advisory community needs to use this as a stark reminder of how critical it is to position plans and portfolios to endure the unknown. We have to know our clients really, really well; ask really good questions and always check in on goals, objectives and priorities. Planning ultimately informs the structure of the portfolio.” The worst time to make rash, “panic” planning? Well, that would be in the midst

of a crisis. automatically deducted from your checking “Historical data clearly points to the fact account immediately following a paycheck.” that letting emotions drive behaviors, specifIn turn, he said this allows you to more ically when it comes to investing, will derive clearly see what you truly have left over each less than optimal results the majormonth, allowing you to better ity of the time,” Polking said. “The control where it goes. action everyone must take is to plan “As you receive pay raises in a way that incorporates chalor unexpected money, increase lenging times like these. You need the amount of principal you’re to make sure that your approach paying towards your mortgage to investing is long-term and not through automated payments,” derailed by short-term calamities.” Maher added. “You can use this The closer one is to a distribusame strategy towards retirement tion phase from his or her portfolio, funding as well by increasing the the less heavily they should generamount you contribute to your ally be invested in equities. employer’s retirement plan or Roth Polking “We also must be mindful that IRA with each pay raise. You may we may have more crises in the future,” he also find over time that certain items become said. “What those look like and how signifi- less important and can be cut from your budget cantly they will impact us is unknown, but (think 900-plus TV channels or other monthly being disciplined throughout is critical.” subscriptions you aren’t using) and applied The best vehicle to become “financially towards your mortgage or retirement savings fit” by retirement, said Thomas J. (“TJ”) Ma- instead.” her of WealthMARK, is to focus on becoming Foster Group’s Polking also indicated it debt-free — and that includes auto loans and was universally accepted that economic data mortgages. coming out of the first and second quarters “This allows retirees to live on consider- would be bad — “historically awful, actually,” ably less during retirement than the oftentimes he said. quoted, needed amount of 80% of pre-retire“But remember this for every tough time ment income,” the founder and CEO said. ahead: economic data looks backward,” he “You’re probably thinking this sounds great, said. “The market is forward-looking and sigbut how could I ever accomplish this? A nals recovery before we get positive economic simple, yet powerful, way to do this revolves numbers. If investors wish to wait until things around creating a detailed monthly budget and have ‘stabilized’ before they become market sticking to it. Start by listing all of your money participants again, they could miss potential coming in each month, all your money going significant gains.” out each month and the source of each. From there, try to group your set monthly expenses (think mortgage, auto loans, utilities) to be

Investors who couldn’t take the market sell-off in February and March, exiting equities and sitting on cash, notably missed an incredible upside and lightspeed entry into bull market territory, Polking said. “The danger to investors ultimately is not avoiding the downs, but missing the ups,” he said. “Stay diversified.” Create some certainty in very uncertain times, WealthMARK’s Maher said: create goals. “I recommend setting financial goals each year and putting them somewhere where you can see them every day,” he said. “I personally use the ‘notes’ feature on my smartphone and have a note for each year with all of my goals listed out for that year. It costs me nothing and I always have access to it.” A goal for 2021 could be as simple as opening a Roth IRA and contributing $100 per month to it via an automatic monthly contribution. “Where do you find the $100 a month, you might ask? Your budget will show you,” Maher said. The goals don’t have to be dramatic. “Being intentional and consistent each year is what’s most important here,” he said. “As you complete each goal put a check mark by it and move onto the next one. Studies show that writing your goals down increases your chances of achieving them by over 40%. Part of the reason why, is when you have written out goals, you begin to subconsciously make decisions each day that help you reach those goals.”

Health technologies abound with focus on heightened safety, better access Continued from page 25. balled.” The disease remained; Children’s, in turn, accelerated the number of providers and clinics with appointment times to shift the paradigm about “what it means to go see the doctor.” Astounding innovations have been developed in recent years, like a $250 stethoscope that allows North Platte patients to go to a local provider and the cardiologist in Omaha can hear the most minute sounds precisely — 99.9% as well as if the patient were sitting next to him or her. Future technologies will focus on “wearables,” whereby such monitoring and visits are even more convenient and can be conducted without having to even go to a local provider’s office to be connected to or set up with said device. The possibilities, Dolter indicated, are seemingly endless — from continuous monitoring embedded into cardiac pacemakers to continual monitoring of diabetes patients’ blood sugar levels. To further emphasize how technology is changing the way that providers deliver care, he referred to the use of medical voice assistants. These tools accurately listen and input information into the EMR. That way, the clinician can focus on the patient. “That will really augment people’s interactions with clinicians,” he said. Generally, one will need to try to reach people where they are at or illnesses will get worse. “You have to adapt to that new paradigm and talk to people where they are,” he said.

Encounter Telehealth may be considered a “grandaddy” in niche telehealth services. “Our competition is so minor, because there really are not a ton [of firms] focusing on geriatric psychiatry,” said President and CEO Jen Amis. “It’s probably the most complicated form of psychiatry out there.” And, she indicated, their services and niche stand in stark contrast to the well-funded, national and global companies that have marketed heavily through the pandemic; those that support talk therapy through the likes of an app. “One thing we found is we’ve been using off-the-shelf technology and it just doesn’t quite fit the bill,” she said, noting that other types of telehealth providers may have built their own platforms. “We’ve been able to look at the existing technology and started to customize specifically for our operations.” For instance, its features now better translate between time zones (as its providers are scattered throughout the country, including on both coasts). This aids in scheduling. “We’re coming up with a custom package that is platform-agnostic,” Amis said. At some point, this offering might be put to market for other small telehealth companies or even private practices. It’s niche in an area that has no doubt become more “crowded” post-pandemic will remain, Amis indicated, with “underserved” populations — from seniors to those who are transitioning from correctional facilities, to military veterans.

Lincoln Business Journal Pages

LINCOLN REAL ESTATE A section prepared by the staff of the Midlands Business Journal

Topics may include: Industry update • Commercial real estate post pandemic Housing boom • Educational opportunities for Realtors Issue Date: February 19 • Ad Deadline: February 11 To advertise your company’s products or services in one of our upcoming sections, contact our Director of Advertising at karla@mbj.com.

• JANUARY 22, 2021 • Midlands Business Journal

REGIONAL LANDSCAPES

Briefs…

The Nebraska Enterprise Fund, a Small Business Administration micro-lender and Certified Community Development Financial Institution established in 1994, has expanded its chapter to Iowa through the Southwest Iowa Loan Fund, where TS Bank granted $2,500 for local small business owners and entrepreneurs. The Southwest Iowa Loan Fund

will offer direct loans to businesses and fill financing gaps in participation with other lenders and programs. The fund also assists in entrepreneurial training and business development services. Over the past five years, NEF has provided $14.9 Million to small and micro-businesses in Nebraska through 368 loans, which has impacted 1,977 jobs. Lutz, a Nebraska-based business

“Dundee Bank is really inviting, warm, and welcoming. Everyone is so friendly and helpful. They take the time to learn who you are and they always remember my name when I come back in.”

Zeb Ratcliff

Co-Founder and Stylist at Craft Salon At Dundee Bank, we believe suppor ting the local community boosts the economy and strengthens small businesses across all industries. That’s why when you bank with Dundee Bank, we’re proud to say that nearly 100% of your deposits are filtered back into the community through loans that suppor t individuals, small businesses, and revitalization of neighborhoods through people like Zeb Ratclif f at Craf t Salon. Give back to the community today by opening an account with Dundee Bank at dundeebanking.com. Blackstone, Dundee, or give us a call at 402.504.4000

EQUAL HOUSING LENDER

solutions firm, announced a new service offering, Data Analytics & Insights. Offerings include data visualization, data and statistical analytics, analytics strategy development and information management. The team assists clients with their data migration, integration, workflow automation and training needs. Lutz’s Data Analytics and Insights service offers a personalized approach to business intelligence, analytics and automation. The Nebraska Department of Correctional Services has submitted an adjustment to the agency’s biennium budget that would include funding to support the siting and construction of a 1,512-bed correctional facility. With an initial footprint of 450,000 square feet, the facility would support 600 minimum, 512 medium and 400 maximum custody beds, with room to allow for future expansion at a base cost of $230 million. The construction of a new facility will ensure capacity needs continue to be met within Nebraska’s correctional system. The project will be funded over three biennium. In addition to providing bed and support space, it will provide efficiencies and technological advances that will lead to improved safety, better outcomes, and require less staffing. Electronic Contracting Company has qualified as an AVIXA AV Provider of Excellence, or APEx. The AVIXA APEx program recognizes companies based on the number of employees holding key industry certifications, including AVIXA’s CTS credential, completion of continuing education classes, positive customer survey responses, and meet or exceed the requirements within two ANSI/INFOCOMM standards. The Nebraska Department of Labor is currently reviewing the CARES Act Unemployment Extension, the federal legislation that extends unemployment benefit programs established under the CARES Act. NDOL will provide claim-

ants additional information and instructions regarding the modified federal unemployment benefits once it has the program rules from the United States Department of Labor. NDOL must wait on program guidance from the USDOL before it can begin the implementation of these benefit programs. Some of these programs will include new eligibility requirements. Once guidance is received, NDOL will work to implement the changes as quickly as possible to provide benefits to eligible claimants. Claimants should check for updates regarding benefit programs in NEworks.nebraska.gov.

Education notes…

Midlands Community Foundation is now accepting applications for several of its charitable funds. They are: Alex Shives Scholarship, Kaiti Williams Memorial Scholarship, Mark and Rose Delaney Memorial Scholarship, Mary Beth Harrold Scholarship, Papillion Softball Woolhiser Memorial Scholarship, and Sarpy County Bar Association Scholarship. Visit www.midlandscommunity. org for specific scholarship guidelines and/or applications. Scholarship funds can be established at MCF to help local students pursue their dreams and goals at colleges, universities, and trade or technical schools after high school graduation. These funds allow donors to give back to the community through their name or the name of a loved one while also receiving tax benefits. Dominic Cristiano, a member of the NSF National Research Traineeship Program at the University of Nebraska-Lincoln, studies issues at the intersection of human health, wildlife disease and the environment. Cristiano and his co-advisors, Elizabeth Van Wormer and Larkin Powell, are working to lower the health risks ticks pose in Nebraska by creating maps showing the territories of the four Continued on next page.

Midlands Business Journal â&#x20AC;˘ JANUARY 22, 2021 â&#x20AC;˘

REGIONAL LANDSCAPES Continued from preceding page. species considered the greatest threats in the state. The species are the Rocky Mountain wood tick, Lone Star tick, blacklegged tick and American dog tick.Â Nebraskaâ&#x20AC;&#x2122;s ABLE Act savings plan, the Enable Savings Plan, announced thatÂ True Link FinancialÂ has been selected by the Nebraska State Treasurerâ&#x20AC;&#x2122;s Office as Enableâ&#x20AC;&#x2122;s next program manager. True Link is a financial firm that delivers financial and investment services for people with disabilities, as well as individuals with Alzheimerâ&#x20AC;&#x2122;s and dementia, mental health conditions, special needs, and people in recovery from addiction. Enable provides tax-free accounts to people with disabilities, allowing them to save without affecting their eligibility for public benefits like Medicaid and Supplemental Security Income (SSI).Â True Link will take over for First National Bank of Omaha (FNBO), who has managed the plan since 2016.Â The Agriculture Builders of Nebraska, a longtime champion of the University of Nebraska and the vital role of agriculture in ensuring the growth and success of NU and the state, is the recipient of the 2020Â Presidential Medal of Service. The medal is an annual honor celebrating Nebraskansâ&#x20AC;&#x2122; promotion of the impact the university and higher education have on the stateâ&#x20AC;&#x2122;s economic and social well-being. It is the highest honor the NU president can bestow upon a community member or organization. Incorporated in 1971 and celebrating its 50th anniversary this year, the Ag Builders played a significant role in the establishment of IANR at the University

of Nebraska-Lincoln. The organizationâ&#x20AC;&#x2122;s 225 members, leaders in Nebraskaâ&#x20AC;&#x2122;s agricultural industry, play a key role in informing citizens and elected leaders about IANRâ&#x20AC;&#x2122;s teaching, research and outreach programs. OpsCompass is working with the University of Nebraska-Lincoln to help advance the study of agile engineering processes, lean business development, and interdisciplinary design thinking, giving students a real-world introduction to enterprise multi-cloud management. OpsCompass is providing its SaaS-based enterprise software to the Universityâ&#x20AC;&#x2122;s Jeffrey S. Raikes School of Computer Science and Management and its Design Studio capstone project, which integrates concepts from its computer science and business curriculum for students to gain a head start in their careers. Student-led product development teams are using OpsCompass as part of their work with real clients to understand and address complex cloud requirements across multiple platforms including Microsoft Azure, Amazon Web Services (AWS), Office 365, and Google Cloud.

Diseases (NIAID)Â at the U.S. National Institutes of HealthÂ to respond to the pandemic.Â Thousands of study participants have been enrolled across several large studies to test several possible SARS-CoV-2 vaccines. The investigational vaccine used for this clinical trial was developed byÂ Novavax, Inc., a U.S. biotechnology company, which plans to enroll 30,000 adults in the U.S. and Mexico.Â Â Â Hy-Vee, Inc. is seeking to hire 1,000 pharmacy technicians across its eightstate region. The company is increasing its pharmacy workforce as it continues to expand its COVID-19 testing services and prepares for the distribution of the COVID-19 vaccine. Hy-Vee is hiring both full- and part-time licensed pharmacy technicians across its more than 270 pharmacies to provide additional support to Hy-Vee pharmacists to care for patients as the COVID-19 pandemic continues to increase demand for health care professionals. The U.S. Department of Health and Human Services named Hy-Vee one of its nationalÂ COVID-19 vaccine providers once the vaccine becomes available.

Health care notesâ&#x20AC;Ś

Â Activities of nonprofitsâ&#x20AC;Ś

The University of Nebraska Medical Center and Nebraska Medicine are involved in a national clinical trial to testÂ the safety and effectiveness ofÂ an investigational COVID-19 vaccine forÂ adults.Â The medical center plans to enroll up to 1,000 study participants.Â For this clinical trial, the medical center is working with the COVID-19 Prevention Network (CoVPN),Â formed by the National Institute of Allergy and Infectious

Bridgestone Retail Operations has donated $500,000 to ensure 40 Boys & Girls Clubs across the country have access to reliable transportation that will allow them to continue serving kids and families into the winter months, during the ongoing COVID-19 pandemic. With this donation, Bridgestone had given a total of $13.9 million to Boys & Girls Clubs of America since 2015 through the companyâ&#x20AC;&#x2122;sÂ Driving

Great FuturesÂ initiative. Boys and Girls Club of the Midlands received a $500,000 gift.

Arts and eventsâ&#x20AC;Ś

The Business Ethics Alliance is hosting its New Year Party on Jan. 28 from 4:30 p.m. to 5:30 p.m. During the event, Dr. Bev Kracher, founder, will put the Allianceâ&#x20AC;&#x2122;s new executive director, Mike Robinson, in the â&#x20AC;&#x2DC;hot seatâ&#x20AC;&#x2122; to discuss his own ethics, his vision for the Alliance, and more. Registration is available online. MEETINGS AND SEMINARS Wed. Jan. 27 The American Marketing Association Omaha Chapter is hosting a workshop on â&#x20AC;&#x153;How to Create A Marketing Planâ&#x20AC;? from 11 a.m. to noon. The workshop will be led by Katlynn Pyatt, owner of Authentic Branding & Marketing. The workshop is for new marketing managers, small marketing teams that need to be more organized, marketing teams that need a new way to meet demands, and anyone whoâ&#x20AC;&#x2122;s currently operating without a marketing strategy and plan. This event is free and registration is available online. FranNet is hosting a webinar presentation featuring a franchise concept thatâ&#x20AC;&#x2122;s applying a B2C opportunity, right down the wheelhouse of health and wellness â&#x20AC;&#x201D; among the top three franchise industries right now. The business model is service-based and clients will expect a high-level of customer service and satisfaction. Registration is free and available online. The webinar will be from 1 p.m. to 2 p.m.

In the Spotlight Paid Content

INSURANCE

Promoted

â&#x20AC;˘ APRIL 26, 2019 ss Journal â&#x20AC;˘

Jill Fiddler

Scott Zagurski

Vice President, General Counsel and Secretary

VP Marketing & Digital Experience

Assurity

Assurity has promoted Jill Fiddler to vice president, general counsel and secretary. Previously associate general counsel, she now oversees the companyâ&#x20AC;&#x2122;s legal matters, focusing on regulatory interpretation and guidance, commercial contracts, and privacy and security law. A graduate of the UNL College of Law, She joined Assurity in January 2019 following 10+ years at Woods | Aitken LLP.

Midlands Busine

Assurity has promoted Scott Zagurski to vice president marketing & digital experience. Previously senior director of marketing, he has led several projects to enhance the companyâ&#x20AC;&#x2122;s digital marketing and fulfillment capabilities, as well as its rebranding efforts. Before joining Assurity in 2016, Zagurski held digital marketing and web roles with Baxter Auto and Mutual of Omaha.

In the Spotlig ISING

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EDUCATION Promotion

Dr. Tim

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TION & CONSTRUC ENGINEERING

In the Spotlight

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Katherin Warren

nt, Vice Preside r Operations Directo KidGlov

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• JANUARY 22, 2021 • Midlands Business Journal

In the Spotlight Paid Content

LEGAL SERVICES

Promoted

Sara McCue

Scott Searl

Abby Mohs

Partner

David (Dewey) Kennison

Partner

Baird Holm

Partner

Baird Holm

Sara McCue’s practice concentrates on employment, ADA, and fair housing law. She represents and counsels housing providers, property management companies, educational institutions, and the affordable housing industry.

Baird Holm

David (Dewey) Kennison focuses his practice on all aspects of employment litigation. He defends employers facing claims of discrimination, harassment, and retaliation filed under both state and federal statutes. Dewey also represents clients in matters related to non-compete agreements, misappropriation of trade secrets, and employment contract disputes.

Scott Searl draws from his broad general counsel experience to advise business owners and managers on acquisitions, divestitures, commercial contracts, corporate governance, media law, ethics and compliance, and dispute resolution. He also provides outside general counsel services to businesses which have legal needs but do not have in-house counsel.

BANKING

Abby Mohs’ practice focuses on regulatory, transactional, and reimbursement matters for health care providers with a special emphasis on electronic health records, and issues under HIPAA and other Federal and State laws regarding privacy of data.

REAL ESTATE

Appointed

Promoted

Robin Larsen President and CEO Cobalt Credit Union

Cobalt Credit Union’s Board of Directors is pleased to announce that Robin Larsen will serve as the new President and CEO of the area’s largest credit union, beginning January 11, 2021. Larsen will succeed Gail DeBoer, who has served as Cobalt’s President and CEO since 2007. Most recently serving as Chief Operations Officer, Larsen began her career at Cobalt in September 1988. During her tenure, she has served in various roles,

including Operations Training Officer and Branch Manager. “The Board is excited to have Robin lead the credit union into the future,” said Dr. Julia Cronin-Gilmore, Chairman of the Board. “Her background is ideal to guide Cobalt through the ever-changing landscape facing financial institutions today.” Cronin-Gilmore points to Larsen’s enterprise-focused roles leading new product and service development, branch expansion and core systems conversion as notable accomplishments during her tenure as Chief Operations Officer: “Robin’s unique mix of strategic vision and operations background are a winning combination for our community, members and employees.” Larsen earned an undergraduate degree in Business Administration followed by a Masters of

Science in Management from Bellevue University. Additionally, she has completed extensive coursework through the National Association of FederallyInsured Credit Unions (NAFCU) and the Credit Union National Association. Larsen is co-commander for the 97th Intelligence Squadron with the Offutt Advisory Council at Offutt Air Force Base. She currently serves as a board member on the SAC Foundation, Offutt Advisory Council, Wings Over the Heartland, Bellevue Chamber of Commerce and NAFCU Services Committee.

Dave Vogtman Vice President, Omaha Operations Hubbell Realty Company

Dave has spent 21 years in the homebuilding industry in the Omaha market. He founded The Home Company in 2011 and the company has built over 800 homes since its founding. He has successfully overseen the operations for over 7,000 homes built in the Omaha market and this promotion is welldeserved as he continues his leadership role with parent-company, West Des Moines-based Hubbell Realty Co.

ACCOUNTING

Hired

Mika Yonamine, CPA Tax Manager BerganKDV

BerganKDV is excited to announce Mika Yonamine has joined the firm as a Tax Manager. In this role, Mika will focus on providing clients with tax and business consultation as well as income tax compliance services for both business entities and individuals. Mika earned her bachelor’s and master’s degree in accounting from the University of Nebraska-Omaha. She is

also a mentor in the TeamMates program, a board member of the Santa Monica House, and a member of the Nebraska Society of CPAs. About BerganKDV: BerganKDV is a leading professional services firm that delivers comprehensive business, financial and technology solutions with a contagious culture; where growth is fostered and making a difference means something. Our values drive our decisions, and our passion is empowering people and creating a wow experience for our clients. The firm has eight offices in four states with our Omaha office primarily delivering tax and accounting, wealth management and business advisory services to small and middle market companies, entrepreneurs, and successful individuals.

Wesley Skillett, CPA Audit Manager BerganKDV

BerganKDV is pleased to formally announce Wesley Skillett joined the firm as an Audit Manager. In his new role, Wes manages client relationships as well as the execution of attest engagements for clients primarily in real estate, construction, and government services. He also provides technical advice on audit and accounting issues for clients and associates. Wes holds a Bachelor of Business Administration-Accounting degree from the

Submit your company’s employee announcements to Spotlight@mbj.com

University of Nebraska-Lincoln and is an active member of the Omaha community. About BerganKDV: BerganKDV is a leading professional services firm that delivers comprehensive business, financial and technology solutions with a contagious culture; where growth is fostered and making a difference means something. Our values drive our decisions, and our passion is empowering people and creating a wow experience for our clients. The firm has eight offices in four states with our Omaha office primarily delivering tax and accounting, wealth management and business advisory services to small and middle market companies, entrepreneurs, and successful individuals.

Midlands Business Journal • JANUARY 22, 2021 •

In the Spotlight Paid Content

ACCOUNTING

Promoted

Jesse Brickner

Connor Mullen

Cecilia London

Conner Hardy

Manager

Associate

Hancock Dana

After joining the firm in 2014, Jesse Brickner has been promoted to Manager. A University of Nebraska Omaha graduate, Brickner has been integral in the firm’s scheduling committee and tax line of business, along with recruiting. He has taken on a role as a coach for several staff members this past year. As an experienced CPA, Brickner works with individuals and closely held businesses with tax planning and implementation of strategies.

Cecilia London has been promoted to Associate at Hancock Dana. London joined the firm in 2018 as an intern and has gained experience in preparing individual and business income tax returns along with involvement in the firm’s accounting & auditing line of business. She is a graduate of the University of Nebraska Omaha with a bachelor’s degree in Business Administration in Accounting and recently completing a master’s degree.

After interning with Hancock Dana for the past year, Conner Hardy has been promoted to Associate and will start full time with the firm. A recent graduate of the University of Nebraska Omaha with a bachelor’s degree in Business Administration in Accounting, Conner will focus on preparing individual income tax returns and expanding his technical knowledge and skills.

ACCOUNTING

Promoted

Jeff Faltys Manager

Connor Mullen has been promoted to Manager. A graduate of Creighton University and seasoned CPA, Mullen works closely with individuals and businesses to minimize current and future tax burdens. In 2020, he was been involved in a variety of training for new staff and accepted a role as a coach for the newest staff. Connor has been an integral piece in the firm’s scheduling committee, tax line of business, and implementing new firm processes.

a coach for several staff members to further expand their professional skills.

Hancock Dana

Tatiana Credit

Ben Varilek

Associate

Senior Associate

Hancock Dana

A graduate of Wayne State College, Jeff Faltys has been promoted to Manager. With many years of CPA experience, Faltys works with individuals and small to mid-sized businesses to build efficient tax strategies and accounting structures. He has been actively involved in outside business development groups, along with many firm initiatives such as the scheduling committee and tax line of business. In 2020, Faltys took on the role as

After completing an internship with Hancock Dana, Tatiana Credit was hired as a full-time associate in 2019. She has increased her skills and responsibilities with tax and audit engagements and has been promoted to Senior Associate. Credit is a graduate of the University of Nebraska Omaha with a bachelor’s degree in Business Administration in Accounting and a master’s degree in Accounting as well. Throughout 2020 she studied and completed all sections of the CPA exam.

ACCOUNTING

BANKING

Ben Varilek has been promoted to Senior Associate with Hancock Dana after joining the firm last year. With the growth of the firm’s Client Advisory Services line of business, Varilek has been heavily involved in prospective client meetings. In addition to his skills in preparing individual and business income tax returns, he is a member of the firm’s data analytics team.

Added

Promoted

Dan Torczon Partner Hancock Dana

With more than 14 years of experience, Dan Torczon has been promoted to Partner. After joining the firm in 2016, Torczon has been involved with a variety of firm initiatives including the scheduling and tax line of business committees along with involvement in the recruitment of new hires. As an experienced CPA, Dan works closely with S-corporations and partnerships on tax planning and tax return

filings while also managing large audit engagements.

Jared Hollinger Board Member West Gate Bank

West Gate Bank is pleased to announce the addition of Jared Hollinger to its Board of Directors. Hollinger is the principal and co-founder of Eleven Talents, LLC. With over 18 years of experience guiding real estate investments of all types, he has successfully navigated the real estate economy with holdings in single-family, multi-family, agricultural, commercial, retail and tax liens. Over his career, Hollinger has been involved with the purchase and disposition of over 4,000 properties of various asset classes. He is a graduate of the University of Nebraska— Submit your company’s employee announcements to Spotlight@mbj.com

Lincoln with a Bachelor of Science in Construction Management. Hollinger is an active member at St. Columbkille Catholic Church and serves in parish leadership as well as coaching a variety of youth sports. West Gate Bank is a family-owned community bank with locations in Lincoln and Omaha. As a full-service banking institution, we are large enough to serve all your personal or commercial banking needs, yet small enough to provide the outstanding personal service that only a community bank can deliver. We're committed to your success and invested in your financial well-being. At West Gate Bank, our interest is you! Visit westgate. bank for more information.

• JANUARY 22, 2021 • Midlands Business Journal