Midlands Business Journal October 25, 2019 Vol. 45 No. 43 issue

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OCTOBER 25, 2019

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VOL. 45 NO. 43

Farmers National leverages service diversity amid challenges

by Richard D. Brown

Storage Concepts sees steady growth, plans for family succession. – Page 2

in ing est raska v In eb N

Taking on too much risk? Why now may be the time to speak with your financial adviser.

– Page 4

me ar e Ho th C l a He

Demand heightens for home health care services. – Page 23

Farmers National, an employee-owned company that has grown over 90 years to serve landowners with farm management services in 29 states and a total of $9.2 billion of assets under management, can credit its longevity to a decision years ago to diversify its services.

The Omaha-based firm with 275 employees at 11516 Nicholas St., plus 118 sales associates who operate as independent contractors in 30 states, has expanded its services list beyond farm and ranch management, which is still 45% of its gross income. Services include real estate sales, appraisals, insurance, consulting, oil and gas management, forest resource management, lake management, national hunting leases, and ag stock.

The elevator speech description, executives say, is that the firm, that manages more than 5,000 farms and ranches in 29 states, has in its portfolio more than two million acres.

“It’s grown to include everything below and above the ground,” said President/CEO Jim C. Farrell.

Farrell, an Iowa native who Continued on page 7.

From left, President and CEO Jim Farrell and President-Elect David Englund … Providing services (Photo by MBJ / Becky McCarville) beyond land management has boosted the 90-year-old company.

Orion Advisor Solutions streamlines with simplified suite of client solutions

by Michelle Leach

“Rebrand” brings to mind the likes of new visuals and updated websites; these features have played a role in Orion Advisor Solutions’ experience since the start of the year. Yet, rebranding signifies a streamlined and simplified suite of solutions for the clients the Omaha-based company serves — from boutique Registered Investment Advisors

to enterprise-level firms — and a means of distinguishing itself competitively in a historically monochrome space.

“We surveyed the marketplace at the time of the [FTJ FundChoice] acquisition,” said Chief Marketing Officer Kelly Waltrich. “We saw there was a good opportunity for differentiation among competitors.

There are quite a few competitors Continued on page 7.

Founder, President and CEO Beth Ostdiek Smith … Running a nonprofit like a business is essential to the overall growth and sustainability of the organization.

Saving Grace Perishable Food Rescue bridges gap in local food distribution

by Savannah Behrends

Chief Operating Officer Ryan Beach … On heels of acquisitions, Omaha-grown financial adviser solutions firm undergoes rebrand, tech updates to secure industry-differentiating client experience.

Do you ever wonder what happens to unsold perishable foods from the grocery stores, gas stations and restaurants you regular? Chances are that prior to 2013 it ended up in landfills, but since Saving Grace Perishable Food Rescue opened it has captured and redistributed over 3 million pounds of food to pantries, shelters and nonprofits.

“We’re like a mentor match, but

for food,” said Beth Ostdiek Smith who founded the organization in 2013 and now presides as CEO and president.

In six years she’s worked alongside Field and Logistics Director Judy Rydberg to grow operations from three food donors serving three pantries to 58 donors serving 43 nonprofit locations.

“We’re just getting going,” Continued on page 9.

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• OCTOBER 25, 2019 • Midlands Business Journal

Storage Concepts sees steady growth, plans for family succession

by Gabby Christensen

Family-owned Storage Concepts, Inc., an Omaha-based custom closet company dating back to 1981, has grown to serve various clients throughout the Midwest and has recently approached a new milestone as plans for family succession have surfaced.

Storage Concepts Phone: 402-592-7752 Address: 8052 H St., Omaha 68127 Founded: 1981 Service: custom closet company serving the Midwest area Employees: four full-time and five part-time Goal: To successfully mentor the next generation of owners so that growth continues.

Website: https://storageconceptsinc.com

Owner Ed Abersfeller said his daughter and son-in-law, Becky and Matt Maltby, have joined the business and will assume ownership, with Matt taking the lead in job scheduling and project management, and Becky serving as corporate treasurer, office manager and lead designer.

Currently, Storage Concepts houses four full-time and five part-time em-

From left, owners Ed and Mickie Abersfeller and Becky and Matt Maltby … Expanding options for home storage, the company is set to continue on with next generation. ployees, serving clientele that includes developers. homeowners, homebuilders, interior Over the past few decades, Abersfeller designers, remodelers and multi-family said the business has witnessed year-

Business Minute

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John Patterson, J.D. Associate Professor & Program Director, Bellevue University College of Business

Education: Juris Doctor, Taft Law School; MBA, Bellevue University; B.S., Business Administration, Nebraska Wesleyan; Six Sigma Blackbelt Certification, Villanova University.

over-year growth in revenues through the addition of unique and quality product offerings.

In fact, the company, which Abersfeller said began as an industrial storage equipment company, has expanded its lines to provide for any area of the home, including the garage, pantry, toy/craft rooms, laundry, mud room and home offices.

The most recent addition is a line of pull-out bottom sliding shelves for kitchen cabinets manufactured to fit existing cabinetry.

Additionally, this past year, the business added another full bay to its current space to accommodate the number of SKUs now inventoried.

“We’re also a go-to source locally for custom designed and installed wine cellars,” Abersfeller said. “Our home visits to assess storage and organization needs is always complimentary, as are our CAD designs of the systems.”

Abersfeller said longevity, reputation and quality products have played significant roles in the business’ success.

“Having a showroom is also another benefit to our customers,” Abersfeller said. “They can visit before they buy seeing exactly what is being installed in their home.”

For a number of years, hesaid the company has also had a relationship with Habitat for Humanity.

Over time, he has found that the marketing and sales aspect of the job has certainly been the most exciting element.

“The real joy comes from leaving a customer better off than they were before they found us,” Abersfeller said. “Without all of the loyal customers we’ve been privContinued on page 11.

Midlands Business Journal Established in 1975

Founded by Robert Hoig

Mentor who has helped the most in my career: One of my professors when I was in college, Stuart Spero. He had me take a series of career placement tests and personality tests. He then reviewed the findings, and told me exactly what I should do with my career — where to work, how long to work there, and then when to move on. I have followed that advice exactly for over 25 years now.

How I got into the business: I was just following the advice my mentor, Professor Spero, gave me. He told me to work at least 10 years in business and industry right after college, then work in academia for at least another 10 years, then decide what I wanted to do with the rest of my career.

Accomplishments or milestones: I oversee the Master of Science, Organizational Performance (MSOP) Program, the Master of Public Administration (MPA) Program, and the Bachelor of Business (BUSC) Program here at Bellevue University. I recently redesigned these programs. The MSOP program, for example, now includes a really innovative aspect — students can pursue leading certifications like Project Management (PMP) and Six Sigma, while simultaneously working toward their master’s degree. It’s a unique approach in the market.

First job: My first job was as a Production Supervisor with Hormel Foods in Austin, Minnesota. I supervised a line of 40 people processing hogs on a second shift. It was a heavily unionized environment that never got above 40 degrees. I really learned a lot.

Biggest career break: Hopefully I have not had my biggest break yet. But to date, just having the opportunity to work in different industries, and in different capacities — and being successful enough to continually build on my career.

The toughest part of the job: The toughest part of my current job is just being patient.

I always have a lot of ideas of things I want to do. I think I drive my bosses crazy.

The best advice I have ever received: Keep the main thing the main thing (priorities).

About my family: My wife Karin is a Mental Health Therapist — by far the best person I have ever known. We have two sons, Ty (10) and Will (8). Just an awesome family.

Other careers I would like to try: I would like to be Jeremy Wade’s replacement.

I would like to fish all over the world and get paid for it.

Something about me not everyone knows: That I want to be Jeremy Wade’s replacement.

Outside interests: Fishing (see two previous questions).

Favorite vacation spot: Fiji — my wife Karin and I were married there.

Favorite movie: “Good Will Hunting.”

Some movies just resonate well with you — that one always has.

Favorite cause or charity: TeamMates Mentoring. Being a part of that organization is one of the most rewarding experiences I have ever had.

Favorite app: Navigational apps. The idea of something showing me how to get to where I want to be, and all I have to do is follow the directions — that is pretty cool.

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

ADMINISTRATION VP OF OPERATIONS, Andrea “Andee” Hoig

EDITORIAL EDITOR & VICE PRESIDENT OF NEWS, Tiffany Brazda EDITORIAL ASSISTANT, Savannah Behrends STAFF WRITER, Becky McCarville

ADVERTISING ADVERTISING CONSULTANT, Catie Kirby ADVERTISING CONSULTANT, Julie Whitehead OFFICE OFFICE ASSISTANT, Rosemary Gregurich BOOKKEEPING/LEGAL NOTICES, Beth Grube

(402) 330-1760 Zane D. Randall (1925-2006) Co-founder LeAnne M. Iwan (1932-1986) First News Editor

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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-The Publisher.

Midlands Business Journal • OCTOBER 25, 2019 •

2019 40 Under 40 Winners Jennifer Anderson

Children’s Hospital & Medical Center

Cameron Gales Jacobs

Bianca Harley

Crystal Archer

PJ Morgan Real Estate

Greater Omaha Chamber

Whitney Baker

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MENTOR Nebraska

Carson Group

Shawntea Moheiser ITS Healthcare, LLC

Kristopher Montgomery

McCarthy Building Companies

Makovicka Physical Therapy

Jamie Blanchard Schneider American Heart Association

LEO A DALY

Dana Burkey

Midwest Laboratories

Courtney Callaway

Prime Choice Insurance

Michelle Diaz

Immanuel Communities

Dr. Stephanie Dredge

Kari O’Neill Potts

Valmont Industries, Inc.

Jeff Spiehs

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Erin Pogge

Marco Leroc & Company

Carolyn Sutton

Carolyn Sutton PR

Sara Porter

Bentley Swan

Heartland Properties

Laurie Matthews Tullius

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Swan Development

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Omaha Performing Arts

New Visions Homeless Services

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Green Hills Area Education Agency

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Laura Essay

Kellee Mikuls

Allison Schorr Zach

CBRE

Karine Sokpoh

Sokpoh Law Group

N & M Brokerage Services, LLC

McGill Law, PC, LLO Nebraska Collaborative Center

Dvorak Law Group, LLC

NoteWorthy

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Iowa Western Community College

UNO/Nebraska Business Development Center

Jeff Skalberg

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Elizabeth Kraemer

Marco Kpeglo LeRoc

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The Firm Advisors, LLC

Stephanie Moss Salon and Skincare

University of Nebraska Foundation

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The Scoular Company

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Zachory Klebba

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ICAN

Woman of Distinction: Cella Quinn

Assistology, LLC

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Omaha Home for Boys

Young Entrepreneur of the Year: Colin Nabity LeverageRX

Meet our 2019 class of 40 Greater Omaha, Sarpy County and Council Bluffs entrepreneurs, executives and professionals under the age of 40.

Greet them in person on Friday, November 8, at our luncheon awards ceremony at Embassy Suites-La Vista, 12520 Westport Parkway, La Vista NE 68128. The event starts at 11:00 a.m.

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We are expecting several hundred guests, including winners and business and government leaders.

Ask us about advertising

Contact Catie Kirby at (402) 330-1760 or email directly Catie@mbj.com

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• OCTOBER 25, 2019 • Midlands Business Journal

Investing in

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

October 25, 2019

Taking on too much risk? Why now may be the time to speak with your financial adviser

by Michelle Leach

The longer one enjoys sustained growth, the louder the rumblings of a recession seem to get; local experts distinguish analysis from perception, data from noise.

“We understand concerns of an economic slowdown, but the underlying fundamentals of the U.S. economy are still largely positive,” said Brad Knuth, senior vice president, financial advisor at D.A. Davidson Companies.

“While it can be said that U.S. consumer spending has largely led the economy for the past two years, it is also true that the personal savings rate currently sits at 8% — quite unusual for the consumer to be both spending and saving, suggesting a certain amount of durability in the current expansion.”

Bear markets, however, are an unavoidable part of every investors’ long-term investment horizon, he said; citing First Trust, Knuth noted between 1926 and 2018 the average

bull market lasted 9.1 years with an average cumulative total return of 473% (the average bear market lasted 1.4 years with an average cumulative loss of -41%).

Near term, Knuth further anticipates equity volatility in the U.S. markets and international geopolitical tension until a trade agreement with China is reached and a workable Brexit plan is achieved.

“U.S. GDP growth should remain solid, though constrained by labor shortages,” he said. “The good news is this translates to improvements in the wage base, and likely extends the duration of this very long economic expansion. No boom, no bust.”

Knuth said 2019 has been a very good year for stocks.

“Look for subdued, but likely positive returns until the presidential election results are clear/decided; however, positive resolution of the trade negotiations with China and Brexit

Ross Polking, lead advisor-business development at Foster Group. are clear upside events,” he said.

Garlock said. “Currently the trade war with John “Buzz” Garlock, SVP-financial ad- China and geopolitical unrest in many parts visor and portfolio manager at The Garlock of the world have investors a bit spooked and Wealth Planning Group/RBC Wealth Manage- cautious.” ment, described the current economic growth Managing Partner Paul West said Carson cycle as in the “late innings.”

Wealth calls it the “expectations game” — “The cycle has U.S.-China trade talks, lasted over 10 years earnings forecasts, with the average beBrexit back-and-forth. ing around six years,” “Nebraska certainhe said. “We monitor ly isn’t insulated from closely a variety of the downside risks,” he economic dashboards said. “We see the benencompassing about efits of not riding the a dozen key economic coastal roller-coastdata points including er in the housing and inverted yield curve, commercial real estate money supply, wage markets like many othKnuth Garlock growth, unemployer areas of the country ment [and so on]. Many of these dashboard experience. Nebraska is also loving its low points have switched from green to either unemployment; however, we can’t forget that yellow or even to red over the last six months.” the construction labor shortage keeps getting The inverted yield curve, which refers to worse. This is only going to increase costs for short-term interest rates paying a higher rate builders and thus consumers.” than longer maturity bonds, is of particular On the sunny side, Nebraska has been concern: “Having been the harbinger for a developing solid services and technology recession seven out of the last nine times that companies. it has happened,” Garlock said. “We are not “Due to our labor costs, some SaaS (softnecessarily predicting a recession, but we are ware-as-a-service), service-based, and other monitoring closely.” health care companies in the region could be He further noted valuation for the S&P good opportunities for investors,” West said.

500 may be slightly overvalued, but not sigFoster Group Lead Advisor-Business Denificantly so. velopment Ross Polking indicated one need “The market does not like uncertainty,” Continued on next page.

Investing in Nebraska •

Midlands Business Journal • OCTOBER 25, 2019 •

5

Too much risk?

decisions during recessions.

“It’s one thing to invest, but don’t invest Continued from preceding page. without a plan in place,” he said. “And if only look around Omaha to see the econo- 10% return sounds good, but you can reach my’s continued strength. your long-term goals with 5%, you can cut “The reason why you see so many proj- your risk in half.” ects, is because money is cheap — interest Knuth spoke directly to business owners, rates are low, there is more liquidity to finance of which nearly two-thirds of all owners are projects,” he said. boomers.

The economy gives one reason to feel “Often, 80 to 90% of a business owner’s good; he also referenced low unemployment, financial assets are tied up in the business corporate projects at all-time highs — mea- itself, despite many owners having little to no surements that continue to move exit plan in place,” he said. in the right direction.

Start the process of scoping The farther one gets away out a written plan now, even if the from the last recession, Polking transition is years away, because indicated, the nearer the next one. any number of changes can alter “But the next one doesn’t have the time horizon to exist and the to look like the last one,” he said, business’s sale-ability, Knuth said. a reference to potential residual Acknowledging unique porteffects from other countries. “But folio and investment goals, Garour economy doesn’t have to hurt lock emphasized the long-term the same way.” perspective when investing in He also referenced elecstocks.

West tion-driven volatility in the next “Since World War II, the S&P 12 months.

500 earnings have grown at about 7% per “But there is plenty of data that shows year,” he said. “Not counting dividends, the there is no direct correlation between who’s S&P 500 has appreciated at roughly that same in political power and the market,” Polking 7% per annum. Ultimately, it is earnings that said. “The market just ‘wants to know.” drives stock prices.”

Case in point; Polking referred to the Many investors turned their risk dial up jolt that went through global markets. Dow over the last nine months due to the S&P futures crashed by almost 900 points. increase; however, West said, if there is an“When it had looked like Trump had no other Q4 2018 (the index’s worst December real chance of winning, the futures markets performance since the Great Depression): were surprised,” he said. “But once the mar- “They are going to be in an unhappy place.” kets understand who is president, they can “Never get out over your skis,” he said. ‘breathe.’”

“As we head into ski season, the same applies The election night bottoming-out was the to your investments. Don’t take unnecessary start of a rally. risk if you don’t need to. Don’t invest in deals Whatever the future brings, Polking you don’t understand. Don’t invest if it looks emphasized those that get hurt make fearful dangerous or too good to be true.”

Bri Faulkner, financial advisor at First National Bank of Omaha.

Starting early, taking advantage of employee matches key elements to retirement planning

by Gabby Christensen

When it comes to preparing for the next stage of life, financial experts say there are various ways to maximize retirement funds and make the most of the golden years.

First and foremost, Bri Faulkner, financial advisor at First National Bank of Omaha, said it’s important to note that saving for retirement is an opportunity, not a burden.

Faulkner said it’s also important to start saving early and “auto-save” often.

“Once you understand your spending habits, start putting your excess cash to

work in your retirement accounts; whether that be in your 401(k), IRAs, or brokerage accounts,” she said.

Additionally, one should evaluate all of their retirement funds once they reach age 50.

“Starting at age 50, you’re allowed to contribute more than the traditional maximum to your qualified accounts in order to give your retirement funds some extra cushion,” Faulkner said. “Consider opening a Roth IRA in order to make after-tax contributions that grow tax-free and offer Continued on next page.

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• OCTOBER 25, 2019 • Midlands Business Journal • Investing in Nebraska

Successful investing for beginners starts with the basics

by Dwain Hebda

Successful investing takes planning, the right advice and even a little luck. But mostly, it requires a sensible, individualized strategy rooted in fundamentals.

Ross Polking, lead advisor - business development for the Foster Group, said new investors should remember their ABCs. “The ‘A’ is to start early; then ‘B’ is to keep it simple,” Polking he said. “Simplicity and effectiveness are directly correlated.

Don’t buy a bunch of products or ignore the high costs associated with certain investments. Rather, map out your cash flow and be intentional with your savings including investing in low cost, highly diversified mutual funds. Then ‘C’ would be

to work with a trusted adviser who operates as a fiduciary to ensure you avoid costly mistakes.”

Polking said beginners should seek to stay diversified with an eye on mitigating tax exposure. Again, mutual funds are a good place to start as much of that is built in.

“Don’t get money tied up in illiquid/ unmarketable investments and don’t put kids’ college expenO’Mara ditures before your long-term financial success,” he said.

“Spend less than you make and your plan will have an incredibly high probability for success.”

One factor that greatly impacts an investment plan is risk tolerance. Today’s financial planners have improved planning

tools that can help investors see their exposure in one strategy versus another when deciding how to invest, and how it impacts the overall.

“We lean on technology to help build out individualized retirement plans with a software called Emoney; we also use a software called Riskalyze to help identify a client’s comfort level with risk as well as the amount of risk needed to reach their specific retirement goals,” said Kevin O’Mara, wealth advisor with Feltz WealthPLAN. “Emoney allows us to aggregate accounts and includes features that allow us to demonstrate changes in an interactive goal planner and decision center. It is a very sophisticated platform and has been well-received with our clients who have an understanding and appetite for technology.”

Risk tolerance is more than having the stomach for volatility. It’s also impacted by the amount of time left until retirement, as that impacts how long funds have to

multiply or the investor’s ability to ride out market cycles.

“The earlier you start means your retirement savings will have that much more time and potential to grow,” he said. “‘Making money on your money’ is the concept behind compounding interest.

Albert Einstein famously called compound interest the eighth wonder of the world.

He who understands it, earns it; he who doesn’t pays it.”

Kristine Batch, senior vice president Continued on page 11.

Retirement planning Continued from preceding page. tax-free income once you reach age 59 and a half.”

As health care is one of the top expenses during retirement, she said some might also take advantage of a health savings account (HSA), which are tax deductible, grow taxfree, and distributions are tax-exempt for qualified medical expenses.

“Although it is important to live in the moment and enjoy this ride we call life, it is just as important to plan for our future so that our children and grandchildren can live in their moments without undue burden,” Faulkner said. “And with time on our side, a little goes a long way. Being aware of the simple steps we can take to maximize our retirement funds is the builder’s key to success.”

Monte L. Peterson, president and financial consultant at Tagge Rutherford Financial Group, said monthly dollar cost averaging into an IRA or 401(k) through an employer is the best way to accumulate assets for retirement.

“A diversified portfolio with a mix of ETFs (exchange-traded funds), mutual funds, and bonds can provide you with an overall solution to your long-term retirement needs and goals,” Peterson said. “Staying invested and making decisions consistent with your goals will maximize your returns in your retirement portfolio.”

Furthermore, he said past volatile markets have created significant opportunities for clients to invest new monies for long-term growth.

“We also encourage our clients to keep a portion of their investment portfolio liquid,” Peterson said. “This helps our clients emotionally navigate the day-to-day financial media and help keep them focused on their long-term goals.”

Peterson said setting goals, a plan to achieve those goals, and a healthy relationship with a financial adviser are key aspects in creating long-term and sustainable success with a retirement portfolio.

Dan Darling, senior sales manager at Woodmen Financial Services, Inc., a subsidiary of WoodmenLife, said in order to maximize retirement savings, one will want to start early to allow more time for compounding, and invest consistently no matter the headlines in the news.

“Many investors let their emotions get the best of them and try to time the market,” Darling said. “It’s important to remember, when it comes to investing, it’s all about time in the market, not timing the market.

Additionally, taking advantage of employer matches and increasing your contributions will ultimately give you the best opportunity to replace your income and live the retirement you want to live.”

Midlands Business Journal • OCTOBER 25, 2019 •

7

Farmers National leverages service diversity amid challenges Continued from page 1. joined Farmers National in 1986 and has been the top decision-maker since 2004, will retire at the end of the year.

“We’ve stayed true to the farm man-

Farmers National Co. Phone: 402-496-3276 Address: 11516 Nicholas St., Suite 100, Omaha 68154 Services: helping landowners manage everything below and above the ground to maximize profitability of land investment Founded: 1929 by C.J. Claassen and Bruce Russell Employees: 275, plus 118 independent-contractor sales associates in 30 states One-year goal: Increase gross revenues by from 5% to 10%.

Industry outlook: Impact of tariffs has been mitigated by tax-relief payment help; farm values are expected to remain steady over the next six months.

Website: www.farmersnational.com

agement concept created 90 years ago but we’ve also become a leader in other related fields through strategic diversification, resulting in expanded service offerings to landowners,” he said. “Reaching beyond our traditional roots has enabled us to better serve the market.”

The ‘76 graduate of Iowa State University with a degree in telecommunication arts said the diversification has given Farmers National a broadened base and adaptability that has created stability and profitability. For example, oil and gas management since 2001 has become about 20% of the firm’s annual gross income and accounted for 20 new positions in Omaha over the past three years. The work of the division is headquartered in Tulsa, Oklahoma. A small oil and gas company in Fort Worth, Texas was also brought under the Farmers National fold about nine years ago.

Another large service division of Farmers National is real estate sales, which accounts for about 25% of gross income.

Farmers National President-Elect David Englund, who succeeds Farrell on Jan. 1, said his 32 years of experience — most recently as the firm’s leader of its farm management sector — has convinced him that the company’s adaptability to opportunity and changes in the market is a great asset.

For example, the Nebraska native and University of Nebraska-Kearney graduate said one of Farmers National’s most significant opportunities in recent years came when a large co-op leader used a deed in lieu of foreclosure to acquire 14,000 acres of farmland in Michigan. Help was being sought in managing the property and then getting it sold.

“We put together a team to meet with them and discussed the options that they had in getting their goals accomplished,” Englund said. “We ended up getting the account and in a very short time we had all of the property leased at market rates and then we started selling tracts of land off to area buyers.”

Over the past two years about 11,000 acres of the property has been sold and Englund expects the rest will be sold by

the end of 2020.

By then, he said, Farmers National will have met and exceeded the agreed upon project goals and within a shorter time frame.

Both Farrell and Englund said Farmers National, which is owned by an employee stock ownership plan formed in 2000, doesn’t really have any competitors in the country for its comprehensive portfolio of services.

“We do have business line competitors and what really sets us apart is that we do have our other business lines that a client can utilize and still deal with one company,” Englund said. “It makes the clients’

lives easier and it makes owning land less stressful.”

Englund said political issues will continue to impact Farmers National. Tariffs, trade issues and Step Up in Basis rules for taxes will continue to be closely monitored by staff.

Englund said four key mentors have been important to his career development at the farm management firm. Regional Vice President Gary Martin taught him the value of honesty in dealing with people and the need for patience. Chief Management Officer Jerry Warner helped Englund process the needed business knowledge and how it could be applied to farm management.

More recently, Dave Knutson, who recently retired as CFO/treasurer/executive vice president, and Farrell played important roles in readying Englund for his new position.

“After I made the transition from managing farms to our home office and managing the farm business line, I learned a lot on how people react to certain situations and how I need to react to these situations,” Englund said.

Farrell said future challenges for Farmers National include leveraging technology to address the flat-income environment.

“We’ve done a good job but need to do more,” he said.

Orion Advisor Solutions streamlines with simplified suite of client solutions Continued from page 1.

“Now we can go to clients and offer a out there and we just heard, time and time menu of services from each of our historagain from clients, that the experience is dis- ical subsidiaries, and we can say, ‘We’ve jointed. We thought it could stand out, and got the technology and the service. Let us we took the time to create something that know what it is that you need, and we can was cohesive. So, when you’re talking to assemble the package,” Beach said. one company, it feels like you’re talking to The alignment of the customer exthe same company.” perience officially This is important Orion Advisor Solutions came together Sept. for a firm that serves Phone: 402-496-3513 (main) 30; an Orion Advisor in the financial ad- Address: 17605 Wright St., Omaha Solutions announceviser and investment 68130 (Omaha headquarters) ment refers to brand solutions space, and Services: provider of financial adviser unification among that has been grow- technology and investment solutions Orion Advisor Sering through acquisi- Founded: 1999 vices and FTJ Fundtions on an ongoing Website: orionadvisortech.com Choice under a single basis from its nerve vision and strategy, center at 17605 Wright St. in Omaha. In all, and what was characterized as a “much Orion Advisor Solutions boasts subsidiaries anticipated technology update to its turnkey Orion Portfolio Solutions (formerly FTJ asset management program …”

FundChoice), Orion Advisor Tech (forTo assure ease of adoption, TAMP is merly Orion Advisor Services) and CLS being released in phases; Phase 1 includes Investments. the Rep Dashboard, Financial Planning This summer, the Orion family further tools (powered by Advizr), Client Account added to its flock with the acquisition of Overview dashboard and Client Servicing New York-based Advizr. (such as work request submittals).

“The thing that most impressed us was In the upcoming months, the company the digital and brand experience, and that’s becoming more critical today,” said Chief Operating Officer Ryan Beach. “With any type of customer, the digital experience really drives the overall experience that customers are having, and Advizr has a very intuitive interface, and the graphical layout

by Liz Reyer is easy to understand.”

Q: I’m not sure what’s up with my Sometimes financial plans get very complicated, Beach continued, and Advizr’s team. We have a lot of ambiguity in our team distilled these complexities down to company, and I’m using what I consider an easy workflow for clients and advisers to to be a leadership best practice of keeprun through “so, they don’t get frustrated. ing the unknowns to myself so that the There are complicated life issues, but with team won’t be stressed. But I’m getting that simplified experience, we can also challenged by them Workplace for leaving them in make it a painless experience.”

To the overall acquisition landscape, the dark and making Beach referred to its closing on almost $1 decisions without their input. How can I get them on board with my approach? trillion in assets under administration.

-Geoff, 55, VP, operations “Organic growth has never been our A: Consider that your “best practice” problem,” he said. “Over the last decade, while we might be interested in acquiring approach may actually have major flaws.

This may be hard for you to see, so other businesses over time, it’s not really a need for us. They would have to be more look at it from a variety of perspectives.

Imagine that you’re in the first few strategic in nature … future acquisitions will be driven by the extra value that they years of your career. For a generation that cares deeply about empowerment, being provide to customers.”

That extra value is also represented heard, and making a contribution, your in the “big picture” behind the rebrand; approach will feel extremely paternalistic.

Now think about a senior employee.

Waltrich referenced assuring all the visual identities, naming conventions and their ilk They will be accustomed to assessing are aligned, while Beach referenced align- risks and weighing options. Again, this old-school approach will feel very disemment across subsidiary solutions.

reports, Orion Portfolio Solutions advisers will benefit from the likes of Streamlined Proposal Generation, Tax-Efficient Trading, Transparent Billing and Next-Generation Client Experience (event-based notifications and other tools to automate custom text and email communications).

The company that was born in Omaha has grown up over the past 20 years to span around 760 employees; of those, roughly 519 are local with balance offices now in Long Island, Philadelphia, Seattle, Manhattan and Hebron, Kentucky.

“The jobs that we’re hiring for here in Omaha are high quality, we’re hiring programmers, investment professionals, attorneys and accountants,” Beach said.

“The other thing that’s interesting about the Orion story is we have a fair share of clients in Omaha and Nebraska, but most of our clients are spread out across the entire U.S. We have clients in every single state and in all the major cities. When you think about the contribution to Omaha, and bringing back that revenue to Omaha, Orion as a growth firm has the ability to bring dollars back in the state of Nebraska.”

When in uncertain times, senior leaders can’t hoard information powering.

This will be even more true for women on your team, as the still (unfortunately) flourishing differential between men and women in the workplace may be very triggering. Also consider whether a person of color may have their own lens that affects their experience of your style.

Your approach may be less damaging in a steady state time, but during a time of ambiguity, it will be especially ineffective.

By staying quiet, you’re creating an information void. People will create their own narratives to fill in the blank, and fear typically drives people to expect the worst.

This is the worst possible outcome for you and your team.

Consider your goals: you want to minimize anxiety, strengthen engagement and maintain productivity, right?

Look at other ways to lead.

Hint: it’s going to be all about communication that is appropriately open. There will be information you can’t share, so you’ll need to use discernment to deterContinued on page 12.

8

• OCTOBER 25, 2019 • Midlands Business Journal

Demand for business, industrial parks a boon to construction, related firms

by Michelle Leach

Local professionals from all sides of the office and industrial parks market are staying busy either with projects throughout the city or tied to specific client and tenant needs.

Nebraska Warehouse, Cannonball Express and The Junction owner James Meyers indicated his teams have been busy actively looking for ground for buildings, finding pad-ready sites scarce.

“A lot of land has been bought up by the two data centers — Facebook and Google,” he said.

Largely, Meyers said vacancy rates for industrial are very low; leasing rates are historically high.

“We have built 360,000 square feet of industrial real estate in the past couple of years and are fully leased,” he said.

Meyers described the third-party warehouse market in Omaha as “average to good.”

“Private companies doing their own

warehousing is pretty strong in Omaha right now; for example, Amazon now has a distribution center in Sarpy County,” he said. “Wages over the last year have increased and it is increasingly difficult to find good workers.”

Third-party warehouses are also transitioning to fulfillment.

“Customers are increasingly asking/ demanding it, especially those that Meyers sell to consumers,” Meyers said. “They don’t necessarily want to compete with Amazon, but want to be able to offer fulfillment through their own websites.”

Customers also don’t have a great way to track inventory, Meyers said, and are desiring insight into what they have and,

accordingly, better metrics.

Automation of all tasks that don’t require human intervention is also sought-after.

“This means automating any task that does not need human intervention,” he said. “Customers really don’t want to know when things are going well. They are only interested when something went wrong.”

Meyers noted they’re actively exploring new processSchuring es and technology for cost-effective fulfillment.

And, he added: “Trucking is very soft at the moment. An argument can be made that the trucking industry is in a recession that likely started during the spring.”

On the flipside, Kiewit Building Group Project Executive LEED AP Josh Render referred to keen activity in the construction space and opportunities for tenants.

“There are a number of great locations offering different levels of amenities throughout the city,” he said. “In the Builders District, adjacent to TD Ameritrade Park, the new Kiewit Headquarters is continuing to transform the area. Combining the area’s existing amenities and the future plans, this area’s opportunity is very exciting.”

Aksarben Village continues to build, he noted.

“And there are still a couple of great shovel-ready locations available,” Render said. “A number of Omaha’s major employers have recently built new projects, are currently building new projects or are evaluating plans for additional projects.

For our industry, it is a very exciting time to be in Omaha.”

More specific to amenities and features within these projects and spaces, All Makes Vice President-Sales Administration Doug Schuring referred to the variety of areas for businesses’ employees to work.

“Some are more typical, like cubes or offices, while others could be lounge chair groupings, counter-height tables and stools, or standing-height tables to foster impromptu meetings and informal discussions,” he said. “There are white boards on walls to capture thoughts. Chairs and tables on casters reconfigure easily for different sized groups. Screens on wheels create privacy or limit distractions. All promote creativity through flexibility.”

The ability to get work done in the office via some sort of private, uninterrupted space remains paramount.

“For many, privacy used to mean four walls and a door,” Schuring said. “Others could make do with the tall-panel workstations of old were the next best thing. Today, privacy comes in different forms — it may be screens to limit distractions, block a view or ear buds to eliminate noise. Some merely turn their back to the room and have all the privacy they need.”

Conference rooms are out; multi-purpose is in.

“No more large, immovable, wood veneer tables,” he said. “It’s all about providing table groupings with solid material tops, with power modules plugged into floor outlets, flexible enough to accommodate different types of meetings; a training room in the morning, banquet hall for lunch and a display space late afternoon. You would never accommodate that schedule in a conference room of old.”

Moreover, investment in one’s square footage is about more than providing a “home” for employees and assets.

“The workforce today is looking for a place to work that delivers more than just a good income,” he said. “Culture is one of the topics that sit high on new employees list of things they look for in a new employer. The workplace represents the physical part of a company’s culture by delivering privacy, collaboration, inspiration, and countless other ways to actively engage with co-workers. This matters for a variety of reasons, but most of all, it has to do with attracting and retaining talent.”

Midlands Business Journal • OCTOBER 25, 2019 •

9

Saving Grace Perishable Food Rescue bridges gap in local food distribution Continued from page 1. ways changing,” she said. “[Drivers] have Smith said. “We’ve had a lot of push to to be able to guide [new workers] through go into Council Bluffs and Lincoln but we what we can and can’t take.” haven’t hit saturation here yet.”

Every driver has a ServSafe certifiBecause of the benefits donating cation to help guarantee proper handling has in terms of tax and Saving Grace deductions, sustain- Saving Grace Perishable only accepts cooled ability, and public Food Rescue food that is either perception there is no Address: 4611 S. 96th Street, Suite 112 unopened or properly shortage of donors. Omaha 68127 packaged.

Rather, the biggest Founded: In 2013 by Beth Ostdiek Smith.

Even with the challenge resides in Service: Connecting and transporting addition of a fourth the logistics of the perishable foods from grocery stores, truck and driver in operation.

May and drivers gas stations and restaurant’s to shelters, In 2018 Saving food pantries and other organizations. working Monday Grace added a fourth Employees: 9 through Friday from refrigerated vehicle Outlook: With no shortage of need from 6:30 a.m. to 2:30 and driver. Due to the donors or recipients Saving Grace is p.m. the organization mechanical upkeep tasked with growing in a sustainable manis limited by time. costs Saving Grace ner to better serve the Omaha metro area.

“It’s not about now only purchases Website: www.savinggracefoodrescue.org how many food dovehicles that are still nors we have, but under warranty, which is costly up front. how often we can get to them,” Smith said.

“After $27,000 in repairs for the first For example, QuikTrip Kitchen, which truck [which was bought used], I decided donates every day, transports donations we weren’t going to have a used truck from 11 locations to one for easy pick anymore because we don’t warehouse up. Smith said it gets between 750-1,000 anything,” she said. items from QuikTrip every week, which Finding the “right” drivers also presents is distributed to places like the Boys and a challenge with historically low unem- Girls Club, Center for Hope and the Steployment rates. Smith said that drivers phen Center. are incredibly important to operations not Produce, dairy and meats are the most only for transportation purposes, but also requested items, but Saving Grace often as liaisons. receives a fair share of bread due to the “They have to build those relationships over abundance being produced. [with donors] and that’s always changing “We can’t find enough homes for it,” because management and workers are al- Smith said. “I was looking at what we

Stephen Center cook Tina Owens prepares lunch for residents. could do with the [excess] bread, and fore you can hope to educate them.” we’ve partnered with Brickway Brewery Saving Grace will partner with The to create a beer.”

Stephen Center this November during A summer and winter brew will be National Hunger and Homelessness produced under Saving Grace branding, Week for another educational opportuproviding another revenue stream as well as nity. For $25, or a donation of a frozen educational opportunities. Down the road ham or turkey, guests will be treatother spirits may also be available. ed to dinner. The twist? Guests won’t “This is that other part of our mission, know if they’re receiving a gourmet awareness and education,” Smith said. meal or a real cost meal similar to what “You first need to make people aware be- shelters provide.

10

• OCTOBER 25, 2019 • Midlands Business Journal

Midlands Business Journal’s 2019 40 under 40 winner networking event

Jennifer Anderson, left, and Meaghan Walls.

Cameron Gales, left, and Chris Montgomery.

From left, Stephanie Moss, Carolyn Sutton, Jodie McGill and Kari O’Neill Potts.

From left, Elizabeth Kraemer, Stephanie Dredge and Laura Essay.

Shawntea Moheiser, left, and Emily O’Connor.

From left, Courtney Callaway, Bianca Harley, Jenn Anderson, Karine Sokpoh, Marco LeRoc and Kristen Seda Kampfe.

MBJ staff, from left, Catie Kirby, Beth Grube and Tiffany Brazda.

Andee Hoig, center left, and Melanie Krings talk with 40 Under 40 winners.

From left, Allison Schorr Zach, Lynn Schneider, Zach Klebba and Jeff Spiehs.

Jeff Skalberg and Jenny Kruger.

Ben Swan, left, and Colin Nabity, the MBJ Young Entrepreneur of the Year.

Melanie Krings, director of the UNO Executive MBA program, left, John Bothoff, president of Northwest Bank, and Andee Hoig, publisher of Metro Monthly and MBJ VP of operations.

Laurie Matthews Tullius, left, and Jamie Blanchard Schneider.

Midlands Business Journal • OCTOBER 25, 2019 •

11

Negotiate your starting salary — doing it right can add $750,000 more during your career

by Carla Fried

Adulting can be one long financial trial by fire. Staying on track with student loan repayment, navigating the dos and don’ts of building the almighty credit score, somehow finding the cash flow to start saving for retirement, all Jobs while making rent.

Add one more item and all the others get easier: negotiating your salary. The more you make right out of the box, the higher the foundation from which raises will be added. When it comes SUPER CROSSWORD

time for your next job, you’ll have a higher salary to negotiate from. If there’s a company matching contribution to the retirement plan, a higher salary nets you a higher match.

An analysis by ZipRecruiter based on data from more than 50,000 job-seekers estimated that negotiating an initial salary offer up from $40,000 to $45,000 could, over a long career, add $750,000 to total pay. ZipRecruiter math used an aggressive 5% annual pay increase, a bit more than the norm.

PET SHOWER

Linda Babcock, an economics professor at Carnegie Mellon and expert on the cost of non-negotiation, used a more moderate 3% annual salary increase in this explanation. Still, a starting offer of $40,000 bumped up to $44,000 translates into having more than an additional $620,000 over your career. Negotiating an early $70,000 salary up to $77,000 could, over a career, land you with nearly $840,000 more.

Yet people won’t negotiate. In the ZipRecruiter survey, only 16% of workers between the ages of 18 and 24 negotiated an initial offer. Among 25- to 34-year-olds, 75% took the initial offer. And 60% of older workers accept the first offer. Don’t be those people.

Don’t volunteer to provide the anchor.

During the interview process you will likely be asked outright, or in some obtuse way, the salary you expect. Resist naming an exact number if possible; that only gives the interviewer an anchor price to base negotiations on. Saying “I’m looking for a competitive offer of salary and benefits based on industry and regional norms” signals you’ve done your homework.

Do your homework. Know starting pay and benefit ranges for the job. Salary. com, PayScale and Indeed have detailed data. Glassdoor features employee reviews along with salary info. Be aggressive hitting up friends, friends of friends and connections (college alums, LinkedIn) to get intel on the job you’re after.

Considering a relocation? Know the actual cost of living in that area: rent, state income tax. A $45,000 offer in a low-cost area can beat $65,000 in an expensive market.

The new tax law At the stage a job offer is imminent and you are asked (again) about salary expectations, repeat your “competitive

Successful investing

Answers on page 12.

Continued from page 6. and senior regional delivery manager, personal banking with UMB Bank, said even beginners and late starters can find opportunities within the most basic of investments.

“Many businesses offer 401(k) plans and other savings opportunities like tuition reimbursement and wellness incentives that can help cut costs,” she said. “Look closely at the options your employer offers and avoid the temptation to put off retirement savings. A steady commitment to a 401(k) or an individually managed IRA can help secure your financial future.”

Batch also said it’s important to adjust financial strategies according to changing life needs, whether that’s straight savings or investments. There are investment vehicles for anyone, even those getting a late start.

“If you didn’t make saving for retirement a priority early in life, it is not too late to catch up,” she said. “At age 50, you can start making extra contributions to your tax-sheltered retirement accounts, called catch-up contributions. A financial partner can help you establish a savings strategy, review your contribution amounts and secure and manage your money as your needs evolve.”

bid” message. Let them throw down the first number. If you are pressured to cough one up, give a range: “My research suggests a base salary between $45,000 and $50,000. I’m looking for something at the higher end.”

Get your head in the right game. Negotiating requires threading the needle between being a passive wuss who takes the first offer and burning bridges with off-putting aggression. Approach negotiation as conversation, not confrontation — a respectful professional conversation, based on facts (remember, you did your homework).

Negotiate! Even if you’re offered more than you expected, don’t reflexively say yes. The hiring manager is expecting you to counter. Telegraph that you are leaning toward yes. “I’m excited to join the team.

Based on the responsibilities you have laid out to me and my market research, if we can agree on $X, let’s talk about my start date.” If the offer is well below what your research tells you is reasonable, say so. Again, politely but firmly. “Can you help me understand how you came to that offer? Given my understanding of the job and salary research — both in the local market and specifically at this company — I was expecting an offer no less than $X.” Tip: That “no less than $X” should not be your drop-dead number. Aim slightly higher, which gives the hiring manager room to come back with a counter to your counter that will land in your comfort zone.

Pay attention to the total package. You may want to negotiate non-salary benefits.

If there is no workplace retirement plan (with a match) you might mention the cost of funding your own IRA as a driver of why you are countering with a higher proposed salary. Or ask for another week of vacation.

Practice your pitch. Ask friends to take on the role of your HR counterpart, or of the boss you’re trying to get a raise from.

Find the exact words and tone you want to bring to negotiation. Feedback is crucial; you want to be all warmed up and ready before the actual conversation occurs. ©2019 Rate.com News Distributed by Tribune Content Agency, LLC.

Storage Concepts

Continued from page 2. ileged to serve over the years, we would not have realized this success.”

Looking ahead, Abersfeller said he hopes to see more young people gravitate towards the trades, as skilled workers are tough to find and jobs sometimes reflect that.

In housing, Abersfeller said smaller footprints bode well for the company, and tighter spaces demand better storage.

Additionally, as millennials currently prefer renting as opposed to buying, this trend continues to feed the multi-family category.

“Our immediate goals are to maintain consistent growth,” Abersfeller said. “And just as important, is to continue to mentor the next generation of owners, thereby ensuring success for the next 38 years.”

12

• OCTOBER 25, 2019 • Midlands Business Journal

Planning to work longer? Here’s a reality check and a strategy for success

by Carla Fried

Americans who face 401(k) and IRA account balances that likely won’t generate nearly enough money to live on comfortably have decided they’ll just keep working.

More than one Retirement third of pre-retirees surveyed by the Employee Benefit Research Institute say their plan is to keep working until at least age 70; 45% are setting their sights on retiring after age 65.

And this isn’t some sort of self-empowering choice to keep connected to the work world and its supportive social structure. This is about financial stress.

In the survey, the most cited reasons for wanting to delay retirement: -Can’t afford to retire (49%) -Lack of faith in Social Security (46%) -Health care costs (45%) Making a go of working longer Delaying retirement a few years is a reasonable and responsible strategy. Especially considering there’s a solid chance you’ll live past your mid-80s. But it’s not something to count on. More than 40% of folks who have already retired report they stopped working earlier than planned.

Typically, circumstances, not choice, speed up retirement. A not-so-gentle shove out the door, maybe entirely undeserved, or perhaps a self-induced exit due to burnout. Illness. Or needing to care for a parent or partner.

Anyone in their 50s — or making that turn soon — who wants to successfully pull off the work-longer strategy should focus on these four steps: 1. Stockpile savings today. A plan to work longer is not to be used as an excuse to not save today. C’mon. This bears repeating: More than 40% of folks with the same intention as you ended up retiring before they wanted to.

You’re also entering an employment

danger zone. Using government data, the Urban Institute and ProPublica recently reported that more than half of workers in their early 50s are laid off; only 10% who are given the boot ever land another job that pays as well. All of that is an argument for saving more than you think you can right now, as insurance against not being able to keep saving — or saving as much as you anticipated — through your 60s.

If you have a workplace 401(k), the 2019 maximum contribution is $25,000 for anyone at least 50 years old ($19,000 if you’re younger). The IRA limit is $7,000 for the over-50 crowd.

Can’t imagine coming up with the cash to boost your savings? You sure? Lifestyle creep has a way of making a mess of retirement savings. Exhibit A: Take a look in your driveway. The average car payment these days is $545 a month. That’s a fully-loaded IRA. I explained in an earlier column a retirement-friendly approach to car ownership: https://www.rate.com/research/ news/car-holding-you-financially-hostage 2. Stay relevant … and wanted at your current job.

Coasting is not how you set yourself up to pull off delayed retirement.

Yet that’s what plenty of folks do. A survey by the Transamerica Center for Retirement Studies reports that less than half of baby boomers say they are “performing well at my current job.” Six in 10 admit they aren’t keeping up their job skills. That is going to make you a layoff target.

Letting someone (younger) become the go-to pro on the latest enterprise system at work, or letting eager beavers run with new initiatives, ups your obsolescence odds. Management can definitely be an enabler here, by looking past older employees. Yes, that sucks.

But you can’t afford to just let it happen to you. Sit down with your manager

and HR and let them know how motivated you are to be part of the action. When was the last time you eagerly signed on for a new training session or work group exploring a new strategy? Be at the front of the line for every training opp.

If your tech skills are dated, and you don’t want to let on at work, it has never been easier and cheaper to do some online skills polishing at home. Sites such as LinkedIn Learning and Udemy offer a deep lineup of tutorials and full-blown courses.

3. Aim to downshift your earnings in your 60s.

The best way to pull off the work-longer strategy is to set yourself up so your 60s are all about keeping your hands off your retirement savings. Not necessarily saving more, but just not starting withdrawals.

Giving your investments another 10 years or so to grow is going to be a big help. A $500,000 401(k) at age 60 that you leave growing for another decade will be worth nearly $750,000 assuming a conservative 4% annualized return.

There’s also a tremendous payoff to delaying when you start Social Security.

Wait until age 70 to start, rather than age 62, and your monthly payment will be more than 75% higher. That far exceeds what you could earn risk-free if you took the money at 62 and invested it. Worried about benefit cuts? Yes, Social Security needs fixing, but based on past fixes, people in or near retirement would not see their benefits reduced.

All of that is doable if you aim to make

SUPER CROSSWORD PUZZLE ANSWERS

When in uncertain times, senior leaders can’t hoard information Continued from page 7. mine what you can and should let people know.

This is harder. If you’re not in the habit of investing time in communicating with your team, this will be a practice you need to develop.

It also requires a certain amount of vulnerability. Sharing what you know and don’t know may feel like it weakens your position of power as leader. It should.

Power as leader is a dysfunctional concept in this context.

You may also face more conflict in your communications as team members engage more. This is a healthy team dynamic; you want your team members to bring alternative perspectives, ideas and solutions.

However, if you’re conflict averse, this might feel pretty scary. This will be your growth point. As a senior leader, you simply must learn to manage your own biases at work.

This can be a transformational moment for you. Letting your team participate more in matters that affect them deeply will give them more confidence in you, help them develop and will make you a better leader. ©2019 Star Tribune (Minneapolis) Distributed by Tribune Content Agency, LLC.

enough to cover your living costs in your 60s. For instance, let’s say your Social Security benefit if you took it age 62 would be $2,000 a month. Find work that brings in that much and you’ve just given yourself the flexibility to delay claiming Social Security.

Lowering living costs will be a big help. Target No. 1: If intend to stay in your home, get the mortgage paid off. That will take pressure off your cash-flow needs in retirement. There are online mortgage prepayment calculators that will help you run the numbers, or you contact your mortgage servicer and ask for a new amortization schedule that gets your mortgage paid off by age 60.

4. Be kinder to your future older self.

Self-care today is how you increase the possibility that injury and illness won’t derail your work-longer strategy. Sure, disease can strike anyone at any time.

But not taking care of your body — and head — contributes to illness, injuries and burnout. Nearly 75% of baby boomers surveyed by Transamerica say they are concerned about their health in older age, yet barely half say they are taking steps today to live a healthier life.

Hitting the gym, watching your diet, giving yourself down time to breathe and recharge can help you pull off your work-longer strategy. Even more important, it can also up the odds that you will be able to more fully enjoy retirement, when it does arrive. ©2019 Rate.com News Distributed by Tribune Content Agency, LLC.

Puzzle on page 11.

Midlands Business Journal • OCTOBER 25, 2019 •

13

Trump is creating a task force to rewrite consumer laws. Here’s how to apply

by David Lazarus

When a government agency announces a task force to “modernize” laws, it’s not unreasonable to think they’re acting in the public’s interest — for instance, updating privacy laws to keep pace with technological advances.

Economy So it should be reason for optimism that the Consumer Financial Protection Bureau says it’s forming a task force “to examine ways to harmonize and modernize federal consumer financial laws.”

That is, until you recall the various ways the CFPB has worked to undermine consumer financial laws since the business-friendly Trump administration took power.

Then you have to wonder: Which laws exactly does the CFPB see as needing harmonization and modernization? What doesn’t it like about them?

And perhaps the biggest question of all: Is the Dodd–Frank Wall Street Reform and Consumer Protection Act on the chopping block?

That’s the law that created the CFPB after reckless financial practices ushered in the worst economic downturn since the Great Depression.

Banks and other financial firms see Dodd-Frank as limiting their business opportunities and have called for its far-reaching provisions to be rolled back.

President Trump has pledged to “dismantle” the law.

I asked a CFPB spokeswoman to detail which consumer laws are being targeted and, specifically, whether Dodd-Frank is in the crosshairs. She declined to comment.

Lauren Saunders, associate director of the National Consumer Law Center, said she views the task force as “a forum

for proposals to weaken consumer protections.”

“I fear it will be stacked with people who have an agenda to deregulate,” she said.

That’s a reasonable fear in light of a report out from the watchdog group Allied Progress showing more than half the members appointed to a separate 12-person CFPB advisory board have ties to the financial services industry.

Kathy Kraninger, Trump’s appointee as director of the CFPB, said in a statement that “an objective and independent evaluation” of current regulations is necessary “to identify where there may be gaps or where regulation should be simplified or modernized.”

The bureau says its Taskforce on Federal Consumer Financial Law “will examine the existing legal and regulatory environment facing consumers and financial services providers,” and will recommend “ways to improve and strengthen consumer financial laws and regulations.”

Fair enough. It’s not as though existing laws and regulations can’t do with some improvement. Nearly all laws benefit from a little tweaking over time to reflect changes in society.

The thing about the CFPB under Trump is that it has gone out of its way to demonstrate an eagerness to loosen rules for the industries it oversees.

Among other recent moves, the bureau has declared its intent to make it easier for payday lenders to trap people in endless cycles of debt by easing rules requiring them to make sure loans can be repaid.

The bureau also is seeking to give expanded powers to debt collectors, including allowing them to contact people via text messages.

The CFPB says there’s historical precedence for its new task force. It says the panel was “inspired” by the National Commission on Consumer Finance, a nine-member advisory body created as part of the Consumer Credit Protection Act of 1968.

The commission’s report “led to significant legislative and regulatory developments in consumer finance,” the bureau says.

Presumably they didn’t think anyone would bother blowing the dust off a 47-year-old report to see what the commission actually came up with.

But that’s exactly what I did.

The National Commission on Consumer Finance made clear that the laws of the day were insufficient to protect people from greedy financial firms.

“Our report recommends significant additions to the protection of consumers in the fields of creditors’ remedies and collection practices,” it said. “We have urged restrictions on remedies such as garnishment, repossession and wage assignment.”

The commission urged an end to “harassing tactics in debt collections,” as well as “enhanced supervision and enforcement of the Federal Truth in Lending Act.” “We also favored making federally chartered financial institutions subject to state as well as federal examination for compliance with state laws governing the terms and conditions of consumer credit extensions,” the commission said.

On the other hand, the commission backed a number of steps aimed at making financial markets more competitive, including a longer leash for the savings and loan industry. Within a decade, hundreds of S&Ls would be in financial peril because of skeevy lending practices.

Americans now need at least $500,000 a year to enter top 1%

by Alex Tanzi and Ben Steverman

One definition of rich is getting into the top 1%. If that’s your goal, it’s becoming harder to reach.

The income needed to exit the bottom 99% of U.S. taxpayers Economy hit $515,371 in 2017, according to Internal Revenue Service data released this week.

That’s up 7.2% from a year earlier, even after adjusting for inflation.

Since 2011, when Occupy Wall Street protesters rallied under the slogan “We are the 99%,” the income threshold for the top 1% is up an inflation-adjusted 33%. That outpaces all other groups except for those that are even wealthier.

To join the top 0.1%, you would have needed to earn $2.4 million in 2017, an increase of 38% since 2011. The top 0.01% threshold has jumped 46%.

Meanwhile, the top 0.001% — an elite group of 1,433 taxpayers — earned at least $63.4 million each in 2017, up 51% since the Occupy protests.

The median taxpayer, at the 50th percentile, has seen income rise 20% since 2011.

Rising inequality is a top focus of the Democratic presidential campaign.

“We cannot afford to continue this level of income and wealth inequality,” Vermont

Senator Bernie Sanders said during Tuesday’s debate. “We cannot afford a billionaire class, whose greed and corruption has been at war with the working families of this country for 45 years.”

Though the rich in the U.S. are doing well, they also pay the greatest share of taxes. The top 1% earned 21% of the country’s income, and paid 38.5% of federal individual income taxes. The top 1% paid a greater share of income tax to the U.S. Treasury than the bottom 90% combined (29.9%).

Working-class taxpayers do pay many other taxes, including federal payroll taxes for Social Security and Medicare, and state and local levies. However, the bottom half of the income distribution pays very little toward the federal income tax.

The top 50% — taxpayers with an adjusted gross income of $41,740 or more — paid 97% of taxes, and earned 89% of income reported to the IRS. The income tax brings in about half of all federal revenues, according to the Congressional Budget Office.

Overall, the IRS data show the U.S. collected $1.6 trillion in income taxes from 143.3 million taxpayers reporting a total of $10.9 trillion in adjusted gross income in 2017, the most recent year available.

The IRS data don’t reflect the effects of the tax overhaul signed by President Donald Trump at the end of 2017. The law lowered

individual income tax rates while eliminating many deductions and slashing the rate on U.S. corporations to 21% from 35%.

IRS data through 2017 largely show that average tax rates paid have increased in recent years. ©2019 Bloomberg News Distributed by Tribune Content Agency, LLC.

I reached out to Ira M. Millstein, who served as chairman of the commission and is now a senior partner at the law firm Weil, Gotshal & Manges, focusing on government regulation and antitrust law.

I asked if the commission faced any pressure from business interests to come up with favorable (for them) recommendations.

Millstein, 92, didn’t deny that happened. But he said “it’s too long ago for me to sensibly answer your questions.”

Nobody thinks the National Commission on Consumer Finance was anything but a sincere, bipartisan effort to strengthen consumer financial markets. Its report served as a road map for improved regulations.

Which is why some consumer advocates are scratching their heads over the CFPB now claiming the commission as its inspiration for another run at revising consumer finance laws.

“I’d be shocked if the new task force is intended to improve consumer protections as the bipartisan task force they base it on was,” said Ed Mierzwinski, senior director of the federal consumer program for the U.S. Public Interest Research Group.

“There’s nothing inherently wrong with having a task force that does some deep thinking,” said Chris Peterson, director of financial services for the Consumer Federation of America. “It all depends on what the task force does.”

He said he’s worried the CFPB “will use it as fodder to justify slowing down enforcement cases and tearing down regulations.”

The CFPB’s Kraninger said that “as we work to set up the task force, we encourage interested individuals to apply to be considered to be part of the task force.”

Peterson said he’s thinking about doing just that. He doubts he’d be accepted. He just likes the idea of trying to influence the bureau from within.

Heck, maybe we should all give it a go.

Email what you’d aim to accomplish as a task force member to CFPB—Taskforce@cfpb.gov. You have until Friday, Oct. 25. ©2019 Los Angeles Times Distributed by Tribune Content Agency, LLC.

How to develop a career plan that can actually help you

by Liz Reyer

Q: I’m facing a job change and am thinking about my next step. In reflecting, I realize that I’ve never had a plan or vision for where I want to be and have just let chance guide me. How I should proceed?

-Alex, 48, senior manager, communica- Workplace tions A: Many things go into a life, combining planned steps and serendipity. While most of us are not on one extreme or the other, your comfort with your place on that continuum may be changing.

Your concern is sufficient reason to pause and take stock before you move forward.

Think about all of the aspects that are contained in the phrase, “where I want to be.” It can mean the location you live in, but can also be as broad as the title you’ve

achieved or alignment with personal values.

This will vary for each person, depending on priorities. With that in mind, review your past choices for themes and patterns.

Importantly, look at opportunities you have opted not to pursue. These are a profound source of insight.

It’s great to learn from the past, but it doesn’t define your future.

Be deliberate in thinking about what is important to you right now and what you would like in the coming years.

If you are aspiring to senior management, be clear about that and what it will require from you.

If you are motivated to have more freedom in your life or to invest more in commitments outside of work, be realistic about the implications.

If you feel like your life has gone wideContinued on page 19.

14

• OCTOBER 25, 2019 • Midlands Business Journal

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 Beth Grube 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).

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 5 p.m. 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 and a courtesy proof of the notice the first week it runs and a copy of the affidavit filed with the courts the last week.

DENNIS P. LEE, Attorney LEE LAW OFFICE 2433 South 130th Circle, Suite 300 P.O. Box 45947 Omaha, Nebraska 68145 NOTICE OF SUIT TO: DYMONIQUE BREWER, 14931 Binny St, Omaha NE 68116, you are hereby notified that on August 15, 2019, American Family Mutual Ins. filed a suit against you in the Douglas County Court at docket CI19-17932, the object in prayer of which was to secure a judgment against you in the amount of $3,165.11, together with court costs, interest and attorney's fees as allowed by law. Unless you file your Answer with the Douglas County Court on or before the 25th day of November, 2019, the Petition against you will be considered as true and judgment will be entered against you accordingly.

First publication October 4, 2019, final October 25, 2019 LEGACY DESIGN STRATEGIES 9859 South 168th Avenue Omaha, NE 68136 NOTICE OF INCORPORATION The name of the Corporation is CARA COLVERT INSURANCE AGENCY, 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 Matthew R. Deaver. The Corporation has Ten Thousand (10,000) shares of common stock authorized, each having the par value of $1.00. The Incorporator is Matthew R. Deaver, 9859 South 168th Avenue, Omaha, NE 68136.

Matthew R. Deaver, Incorporator First publication October 11, 2019, final October 25, 2019 DENNIS P. LEE, Attorney LEE LAW OFFICE 2433 South 130th Circle, Suite 300 P.O. Box 45947 Omaha, Nebraska 68145 NOTICE OF SUIT TO: Ashley R. Donovan, 3734 Gayle Avenue, Bellevue NE 68123, you are hereby notified that on July 22, 2019, FORD MOTOR CREDIT COMPANY, LLC filed a suit against you in the Douglas County Court at docket CI19-16068, the object in prayer of which was to secure a judgment against you in the amount of $6,973.68, together with court costs, interest and attorney's fees as allowed by law. Unless you file your Answer with the Douglas County Court on or before the 25th day of November, 2019, the Petition against you will be considered as true and judgment will be entered against you accordingly.

First publication October 4, 2019, final October 25, 2019 WHITMORE LAW OFFICE LLC 7602 Pacific Street, Suite 200 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION Notice is hereby given that KAFU International, L.L.C. (the “Company”) has been organized under the laws of the State of Nebraska.

The designated office of the Company is 13310 Jayne Plaza, #305, Omaha, Nebraska 68164. The registered agent of the Company is Thomas E. Whitmore, 7602 Pacific Street, Ste. 200, Omaha, Nebraska 68114. The Company was formed on October 8, 2019.

First publication October 18, 2019, final November 1, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF AMENDMENT NOTICE IS HEREBY GIVEN that the Certificate of Organization of CFM Adventure, LLC, a Nebraska limited liability company, has been amended as follows: the limited liability company has changed its name to Easy Street Hospitality, LLC. The Amended Certificate of Organization was filed with the Nebraska Secretary of State on October 9, 2019.

First publication October 18, 2019, final November 1, 2019

BARBARA MEDBERY-PRCHAL, P.C., L.L.O., Attorney 10305 Joseph Circle La Vista, Nebraska 68128 NOTICE OF ORGANIZATION OF ALLISON EVANS COACHING, 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 Allison Evans Coaching, 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., 10305 Joseph Circle, La Vista, NE 68128. The designated office is located at 7812 Shirley Street, Omaha, NE 68124.

Allison Evans, Member First publication October 11, 2019, final October 25, 2019 BARBARA MEDBERY-PRCHAL, P.C., L.L.O., Attorney 10305 Joseph Circle La Vista, Nebraska 68128 NOTICE OF ORGANIZATION OF POLARIS PROPERTIES, 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 Polaris Properties, 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., 10305 Joseph Circle, La Vista, NE 68128. The designated office is located at 2712 N. 175th Avenue, Omaha, NE 68116.

Lisa J. Harris, Members First publication October 11, 2019, final October 25, 2019 AMANDA M. BARRON, Attorney P.O. Box 597 Fremont, Nebraska 68026 LEGAL NOTICE TO THE DEFENDANT(s), KRISTA HERDER & RANDALL HERDER You are hereby notified that Credit Bureau Services, Inc., a corporation, filed its complaint in the County Court of DOUGLAS County, Nebraska on 07/10/2019 on Case Number CI19-15379, the object and prayer of which is to recover the sum of $212.90, plus interest, attorney fees and court costs.

You are required to answer the complaint of the Plaintiff on or before 11/25/2019 or the allegations in said complaint will be taken as true and judgment entered accordingly.

CREDIT BUREAU SERVICES, INC., A CORPORATION First publication October 11, 2019, final October 25, 2019 NOTICE OF ORGANIZATION OF KLM HOMES, LLC NOTICE IS HEREBY GIVEN that KLM Homes, LLC (the "Company") has been organized under the laws of the State of Nebraska.

The Designated Office Address of the Company is 18954 Manderson Street, Elkhorn, Nebraska 68022. The Registered Agent of the Company is USCA, Inc., 1603 Farnam Street, Omaha, Nebraska 68102. The Company was organized on July 9, 2019.

First publication October 11, 2019, final October 25, 2019

DANIEL J. WATERS, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF THE ORGANIZATION OF OFFSITE INTEGRATED STRUCTURES, 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 Offsite Integrated Structures, 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 September 17, 2019 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 October 18, 2019, final November 1, 2019 KARINE E. SOKPOH, Attorney SOKPOH LAW GROUP 10730 Pacific Street, Suite 247 Omaha, Nebraska 68114 NOTICE OF INCORPORATION OF TOGOLESE AMERICAN WOMEN VOICE, INC. Notice is hereby given that Togolese American Women Voice, Inc. has been incorporated as a public benefit non-profit corporation under Nebraska laws, with its registered office at 15445 Rosewood Street, Omaha, NE 68138. Its agent at that office is Efakone Eunice Olympio. The corporation shall have members and its incorporator is Karine Sokpoh whose address is 10730 Pacific Street, Suite 247, Omaha, NE 68114.

First publication October 18, 2019, final November 1, 2019 CATHERINE E. FRENCH, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF THE ORGANIZATION OF REMEDY BEAUTY BAR, 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 Remedy Beauty Bar, 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 October 2, 2019 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 October 18, 2019, final November 1, 2019

MARTIN P. PELSTER, Attorney CROKER, HUCK, KASHER, DEWITT, ANDERSON & GONDERINGER, L.L.C. 2120 S. 72nd Street, Suite 1200 Omaha, Nebraska 68124 NOTICE OF ORGANIZATION OF WELCHERT ACRES, LLC The name of the limited liability company is Welchert Acres, LLC. The address of the initial designated office is 11220 North 108th Street, Omaha, NE 68142. The name and address of the initial agent for service of process is Martin P. Pelster, 2120 South 72nd Street, Suite 1200, Omaha, NE 68124.

First publication October 11, 2019, final October 25, 2019

AMANDA M. BARRON, Attorney P.O. Box 597 Fremont, Nebraska 68026 LEGAL NOTICE TO THE DEFENDANT(s), DANITA M MURRAY You are hereby notified that Credit Bureau Services, Inc., a corporation, filed its complaint in the County Court of DOUGLAS County, Nebraska on 07/09/2019 on Case Number CI19-15381, the object and prayer of which is to recover the sum of $268.00, plus interest, attorney fees and court costs.

You are required to answer the complaint of the Plaintiff on or before 11/25/2019 or the allegations in said complaint will be taken as true and judgment entered accordingly.

CREDIT BUREAU SERVICES, INC., A CORPORATION First publication October 11, 2019, final October 25, 2019

GNUSE & GREEN LAW OFFICES, P.C., Attorneys 11311 Chicago Circle Omaha, Nebraska 68154 NOTICE OF ORGANIZATION OF CRM SNOW AND ICE REMOVAL, L.L.C. A Nebraska Limited Liability Company Notice is hereby given that CRM Snow and Ice Removal, 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 1227 N. 161st Circle, Omaha, NE 68118. 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 Certificate of Organization was filed in the office of the Nebraska Secretary of State on October 7, 2019. 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 October 11, 2019, final October 25, 2019

RADLEY E. CLEMENS, Attorney 5717 North 127th Street Omaha, Nebraska 68164 LEGAL NOTICE In the County Court of Douglas County, Nebraska. PR19-1350 Estate of Joseph J. Welter, III, Deceased Notice is hereby given that on October 4, 2019, in the County Court of Douglas County, Nebraska, William D. Welter 1st, whose address is 22935 N. 68th St., Scottsdale, Arizona, 85251, was informally appointed by the Registrar asPersonal Representative of the 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 (two months after first publication date) September 15, 2016 or be forever barred.

KELLY J. GOLDEN Clerk of the County Court First publication October 11, 2019, final October 25, 2019

DENNIS P. LEE, Attorney LEE LAW OFFICE 2433 South 130th Circle, Suite 300 P.O. Box 45947 Omaha, Nebraska 68145 NOTICE OF SUIT TO: WHITNEY HARRIS, 11912 Amerado Blvd #322, Bellevue NE 68123, and CEDRIC RIGSBY, 3902 N. 48th St, Omaha NE 68104, you are hereby notified that on August 26, 2019, AMERICAN FAMILY MUTUAL INS. Co., S.I. filed a suit against you in the Douglas County Court at docket CI19-18904, the object in prayer of which was to secure a judgment against you in the amount of $9,865.20, together with court costs, interest and attorney's fees as allowed by law. Unless you file your Answer with the Douglas County Court on or before the 2nd day of December, 2019, the Petition against you will be considered as true and judgment will be entered against you accordingly.

First publication October 11, 2019, final November 1, 2019

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF MERGER NOTICE IS HEREBY GIVEN that Articles of Merger of Executive Outdoor Living, LLC, a Nebraska limited liability company, with and into Executive Lawn & Landscaping, LLC, a Nebraska limited liability company, were filed with the Nebraska Secretary of State on October 10, 2019, in accordance with the Nebraska Uniform Limited Liability Company Act. The merger was effective upon the filing date. The surviving entity in the merger was Executive Lawn & Landscaping, LLC, a Nebraska limited liability company.

Upon completion of the merger, Executive Lawn & Landscaping, LLC filed an amendment to change its name to: Executive Outdoor Living, LLC. The name change was filed with the Nebraska Secretary of State on October 11, 2019.

First publication October 18, 2019, final November 1, 2019

Midlands Business Journal • OCTOBER 25, 2019 • LEGAL NOTICES 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 MJJT HOLDING, LLC The name of the Company is MJJT Holding, LLC. The Designated Office of the Company is: 11414 West Center Road, Suite 215, Omaha, Nebraska 68144. 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 October 1, 2019.

First publication October 11, 2019, final October 25, 2019 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 LAUNCH BREWING, LLC The name of the Company is Launch Brewing, LLC. The Designated Office of the Company is: 1915 South 38th Avenue, Omaha, Nebraska 68105. The Registered Agent and Office of the Company is: Benjamin A. Katt, 1915 South 38th Avenue, Omaha, Nebraska 68105. This limited liability company commenced business on October 4, 2019.

First publication October 11, 2019, final October 25, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF CONVERSION OF C & A INDUSTRIES, INC. AND ORGANIZATION OF C & A INDUSTRIES, LLC NOTICE IS HEREBY GIVEN that C & A Industries, Inc. has been converted into C & A Industries, LLC under the laws of the State of Nebraska. The Designated Office of the company is 13609 California Street, Suite 500, Omaha, Douglas County, Nebraska, 68154. The Registered Office of the company is 233 South 13th Street, Suite 1900, Lincoln, Nebraska 68508 and the Registered Agent at such address is CSC-Lawyers Incorporating Service Company. The conversion of the corporation into the limited liability company was accomplished by the filing of Articles of Conversion and Certificate of Organization with the Nebraska Secretary of State on October 1, 2019.

First publication October 11, 2019, final October 25, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF MERGER NOTICE IS HEREBY GIVEN that Articles of Merger of Lindsay Transportation, Inc., a Nebraska corporation and Lindsay Manufacturing, LLC, a Nebraska limited liability company, were filed with the Nebraska Secretary of State on August 29, 2019 in accordance with the Nebraska Uniform Limited Liability Company Act. The merger was effective on August 31, 2019. The surviving entity in the merger was Lindsay Manufacturing, LLC, a Nebraska limited liability company. Lindsay Manufacturing, LLC has changed its name to Lindsay Irrigation Solutions, LLC. First publication October 11, 2019, final October 25, 2019 KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF MERGER NOTICE IS HEREBY GIVEN that Articles of Merger of Lindsay Transportation Solutions Sales & Service, LLC, a Nebraska limited liability company and Lindsay Transportation Solutions, LLC, a California limited liability company, were filed with the Nebraska Secretary of State and effective on September 30, 2019, in accordance with the Nebraska Uniform Limited Liability Company Act. The surviving entity in the merger was Lindsay Transportation Solutions, LLC, a California limited liability company.

First publication October 11, 2019, final October 25, 2019 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 TECHNICAL TRAINING VENTURES, LLC NOTICE IS HEREBY GIVEN that Technical Training Ventures, LLC has been organized under the laws of the State of Nebraska. The designated office of the limited liability company is 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. 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 October 3, 2019.

First publication October 11, 2019, final October 25, 2019 ABRAHAMS KASLOW & CASSMAN LLP, Attorneys 8712 West Dodge Road, Suite 300 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION Overloved Occasions, LLC has been organized as a limited liability company under the Nebraska Uniform Limited Liability Company Act. The street and mailing address of the initial designated office of the company is 8712 West Dodge Road, Suite 300, Omaha, Nebraska 68114. The name and street and mailing address of the initial registered agent of the company for service of process are Robert M. Schartz, Abrahams Kaslow & Cassman LLP, 8712 West Dodge Road, Suite 300, Omaha, Nebraska 68114.

First publication October 11, 2019, final October 25, 2019

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 NOTICE OF AMENDED AND RESTATED ARTICLES OF INCORPORATION Notice is hereby given that the Articles of Incorporation of Midwest Women and Children’s Services have been amended and restated in their entirety as follows: Article I states the name of the Corporation as Midwest Women and Children’s Services.

Article II states that the Corporation is a public benefit corporation.

Article III states the registered agent and office as Janet White Phelan, 7701 Pacific Street, Suite 200, Omaha, Nebraska 68118.

Article IV states the purpose.

Article V states the powers.

Article VI states the Corporation shall have no members.

Article VII states the provisions relating to dissolution.

The Amended and Restated Articles were filed with the Nebraska Secretary of State on October 10, 2019.

First publication October 18, 2019, final November 1, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF LOCAL X1 FUND, LLC NOTICE IS HEREBY GIVEN that Local X1 Fund, LLC (the “Company”) has been organized under the laws of the State of Nebraska.

The designated office address of the Company is 4400 Lucile Drive, Suite 201, Lincoln, Nebraska 68516. The name and address of the registered agent of the Company is DDLG Business Services, Inc., 9500 West Dodge Road, Suite 100, Omaha, Nebraska 68114.

First publication October 18, 2019, final November 1, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF LOCAL X1 FUND MANAGER, LLC NOTICE IS HEREBY GIVEN that Local X1 Fund Manager, LLC (the “Company”) has been organized under the laws of the State of Nebraska.

The designated office address of the Company is 4400 Lucile Drive, Suite 201, Lincoln, Nebraska 68516. The name and address of the registered agent of the Company is DDLG Business Services, Inc., 9500 West Dodge Road, Suite 100, Omaha, Nebraska 68114.

First publication October 18, 2019, final November 1, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF GCP II KC UPTOWN HOTEL, LLC NOTICE IS HEREBY GIVEN that GCP II KC UPTOWN HOTEL, 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 Zach Wiegert, 10340 North 84th Street, Omaha, Nebraska 68122.

First publication October 18, 2019, final November 1, 2019 ERICKSON l SEDERSTROM, P.C., Attorneys 10330 Regency Parkway Drive, Suite 100 Omaha, Nebraska 68114 NOTICE OFAMENDMENT TO CERTIFICATE OF ORGANIZATION NOTICE IS HEREBY GIVEN that on October 10, 2019 Siems City Properties, LLC filed an amendment to its Certificate of Organization changing its name to Siems Flying Service, LLC. First publication October 18, 2019, final November 1, 2019 BENJAMIN J. PICK, Attorney PANSING HOGAN ERNST & BACHMAN LLP 10250 Regency Circle, Suite 300 Omaha, Nebraska 68114-3728 NOTICE OF ORGANIZATION OF TRUSTED HOME GROUP, LLC Notice is hereby given of the organization of Trusted Home Group, LLC. 1. The name of the limited liability company is Trusted Home Group, LLC. 2. The street and mailing address of the initial designated office is 10250 Regency Circle, Omaha, Nebraska, 68114, and the name and street address of the initial agent for service of process is Benjamin Pick, 10250 Regency Circle, Omaha, Nebraska, 68114.

First publication October 18, 2019, final November 1, 2019 DANIEL J. WATERS, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF AMENDMENT TO ARTICLES OF INCORPORATION OF COMPANY #605, INC. Notice is hereby given that the Articles of Amendment to the Articles of Incorporation of Company #605, Inc., f/k/a Offsite Integrated Structures, Inc., were adopted on September 17, 2019 to change the name of the corporation. The name and street address of the corporation’s registered agent and office is LDM Business Services, Inc., 10306 Regency Parkway Drive, Omaha, NE 68114. The full text of such Articles of Amendment to the Articles of Incorporation is on file with the Nebraska Secretary of State.

First publication October 18, 2019, final November 1, 2019

15

NOTICE OF INCORPORATION OF ROOM FOR ROOTS, INC., A NEBRASKA NONPROFIT CORPORATION NOTICE IS HEREBY GIVEN that the undersigned have formed a corporation under the Nebraska Nonprofit Corporation Act. The name of the corporation is ROOM FOR ROOTS, INC., A NEBRASKA NONPROFIT CORPORATION, with a registered office at 17213 Sage Street, Omaha, Nebraska 68136, and the registered agent is BRIDGETT M. BELSKY. The general nature of the business is a public benefit corporation and shall have for its additional purpose providing for managing any benevolent, charitable, civic, educational, fraternal, athletic, patriotic, social and labor organization or society, as well as the making of donations to the public welfare or for charitable or educational purposes, and to perform services of every kind and nature whatsoever, which are not inconsistent with law. The corporation commenced June 20, 2019, and shall have perpetual existence.

The corporation will have members.

ANTHONY L. GROSS, Incorporator CATHERINE L. WHITE, Incorporator 3018 South 87th Street, Omaha, NE 68124 First publication October 18, 2019, final November 1, 2019 CHARLES E. DORWART, Attorney MASSIH LAW, LLC 226 N. 114th Street Omaha, NE 68154 LEGAL NOTICE In the County Court of Douglas County, Nebraska. PR19-1566 Estate of Alan P. Hurlbut, Deceased Notice is hereby given that on October 8, 2019, in the County Court of Douglas County, Nebraska, the Registrar issued a written statement of Informal Probate of the Intestacy of said Decedent and that Deborah Hurlbut, 4452 Shady Lance Circle, Omaha, NE 68105, was informally appointed by the Registrar as Personal Representative of the 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 December 18, 2019 or be forever barred.

CARROL L. MILLS Registrar First publication October 18, 2019, final November 1, 2019 DENNIS P. LEE, Attorney LEE LAW OFFICE 2433 South 130th Circle, Suite 300 P.O. Box 45947 Omaha, Nebraska 68145 NOTICE OF SUIT TO: NATALYA HARRIS, 1217 S 25th Ave Apt 6, Omaha NE 68105, you are hereby notified that on August 12, 2019, AMERICAN FAMILY MUTUAL INS. Co., S.I. filed a suit against you in the Douglas County Court at docket CI19-17652, the object in prayer of which was to secure a judgment against you in the amount of $4,379.55, together with court costs, interest and attorney's fees as allowed by law. Unless you file your Answer with the Douglas County Court on or before the 9th day of December, 2019, the Petition against you will be considered as true and judgment will be entered against you accordingly.

First publication October 18, 2019, final November 8, 2019 THOMAS H. PENKE, Attorney 12020 Shamrock Plaza, Suite 200 Omaha, Nebraska 68154 LEGAL NOTICE In the County Court of Douglas County, Nebraska. PR19-1237 Estate of MICHAEL P. HANNON, Deceased Notice is hereby given that a hearing was held on a Petition for Formal Probate of Will of said Decedent, Determination of Heirs, and Appointment of Personal Representative on October 1, 2019, and that Scott W. Hannon, whose address is 304 North 245th Circle, Waterloo, Nebraska 68069, has been appointed 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 December 18, 2019 or be forever barred.

CARROL L. MILLS Registrar First publication October 18, 2019, final November 1, 2019 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 TAMBAJR6, LLC The name of the Company is Tambajr6, LLC. The Designated Office of the Company is: 16108 Leeman Street, Bennington, Nebraska 68007. 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 October 15, 2019.

First publication October 18, 2019, final November 1, 2019 MONTE L. SCHATZ, Attorney VANDENACK WEAVER LLC 17007 Marcy Street, Suite 3 Omaha, Nebraska 68118 NOTICE OF ORGANIZATION OF GOLDEN YEARS RELOCATION, LLC Notice is hereby given that GOLDEN YEARS RELOCATION, LLC has been organized as a limited liability company under the Nebraska Uniform Limited Liability Company Act. The address of the initial designated office of the company is 7811 Military Ave., Omaha, NE 68134. The agent for service of process for the Company is VW Agents LLC located at 17007 Marcy Street, Suite 3, Omaha, NE 68118-3121.

First publication October 18, 2019, final November 1, 2019

16

• OCTOBER 25, 2019 • Midlands Business Journal

LEGAL NOTICES DANIEL C. PAULEY, Attorney LAMSON, DUGAN and MURRAY, LLP 10306 Regency Parkway Drive Omaha, Nebraska 68114-3743 NOTICE OF THE ORGANIZATION OF RLMJR, 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 RLMJR, 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 October 4, 2019 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 October 11, 2019, final October 25, 2019 WHITMORE LAW OFFICE LLC 7602 Pacific Street, Suite 200 Omaha, Nebraska 68114 NOTICE OF INCORPORATION Rung Reuang168, Inc., whose registered agent is Chinnapat Wirachakul and registered office is 810 S. 59th Street, Omaha, Nebraska 68106, was formed on October 3, 2019 to engage in any lawful business. The corporation has authorized 10,000 shares of capital stock.

Thomas E. Whitmore, Incorporator First publication October 11, 2019, final October 25, 2019 ERICKSON l SEDERSTROM, P.C., Attorneys 10330 Regency Parkway Drive, Suite 100 Omaha, Nebraska 68114 NOTICE OF AMENDMENT TO ARTICLES OF INCORPORATION On October 4, 2019, Articles of Amendment to the Articles of Incorporation of Lanphier, Kolasinski & Sagar, P.C. were filed to change the name of the company to Lorraine M. Kolasinski, P.C. First publication October 11, 2019, final October 25, 2019 ERICKSON l SEDERSTROM, P.C., Attorneys 10330 Regency Parkway Drive, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF BEHAVIORAL HEALTH OF OMAHA, LLC NOTICE IS HEREBY GIVEN that Behavioral Health of Omaha, LLC, a Nebraska limited liability company (the “Company”), has been duly organized under the laws of the State of Nebraska, with its designated office at 7253 Grover Street, Omaha, Nebraska 68124 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 October 11, 2019, final October 25, 2019 ERICKSON l SEDERSTROM, P.C., Attorneys 10330 Regency Parkway Drive, Suite 100 Omaha, Nebraska 68114 NOTICE OF INCORPORATION Corporate Name: Nebraska World Affairs Council Type of Corporation: Public Benefit Registered Agent: Erickson & Sederstrom P.C. a limited liability organization Registered Office: 10330 Regency Parkway Drive, Suite 100 Omaha, Nebraska 68114 Members: Corporation will not have Members Incorporator: Virgil Johnson 10330 Regency Parkway Drive, Suite 100 Omaha, Nebraska 68114 First publication October 11, 2019, final October 25, 2019 CATHERINE E. FRENCH, 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 Community of Grace, an Evangelical Lutheran Church, a Nebraska nonprofit corporation (“Corporation”), effective October 1, 2019. The terms and conditions of such dissolution are, in general, that all debts and obligations of the Corporation have been fully paid and satisfied and any remaining assets will be distributed in accordance with the Plan of Dissolution. The 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 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.

COMMUNITY OF GRACE EVANGELICAL LUTHERAN CHURCH, a Nebraska nonprofit corporation, By: Anthony Stella, President First publication October 11, 2019, final October 25, 2019 NOTICE OF ORGANIZATION Notice is hereby given that Lind Construction LLC has been created in compliance with the laws of the State of Nebraska. The designated office of the limited liability company is 8150 Barrington Road, Lincoln, NE 68516.

The registered agent of Lind Construction LLC is Jack Gregory Lind.

First publication October 18, 2019, final November 1, 2019

DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF MAH, LLC NOTICE IS HEREBY GIVEN that MAH, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 5110 Mayberry Street, Unit 2118, Omaha, Nebraska 68106. The Registered Agent of the Company is DDLG Business Services, Inc., 9500 West Dodge Road, Suite 100, Omaha, Nebraska 68114.

First publication October 18, 2019, final November 1, 2019 BARBARA MEDBERY-PRCHAL, P.C., L.L.O., Attorney 10305 Joseph Circle La Vista, Nebraska 68128 NOTICE OF ORGANIZATION OF LINDA MILLER AGENCY, 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 Linda Miller Agency, 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., 10305 Joseph Circle, La Vista, NE 68128. The designated office is located at 808 S. 181st Street, Elkhorn, NE 68124.

Rob Russel, Member First publication October 11, 2019, final October 25, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF KA GRETNA, LLC NOTICE IS HEREBY GIVEN that KA Gretna, 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 DDLG Business Services, Inc., 9500 W. Dodge Road, Suite 100, Omaha, Nebraska 68114.

First publication October 25, 2019, final November 8, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF 88 TACTICAL, LLC NOTICE IS HEREBY GIVEN that 88 TACTICAL, 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 DDLG Business Services, Inc., 9500 W. Dodge Road, Suite 100, Omaha, Nebraska 68114.

First publication October 25, 2019, final November 8, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF BLUECAT LLC NOTICE IS HEREBY GIVEN that BlueCat LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 2526 South 148 Ave. Circle, Omaha, Nebraska 68144. The Registered Agent of the Company is USCA, Inc., 1603 Farnam Street, Omaha, NE 68102.

First publication October 25, 2019, final November 8, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION OF NEBRASKA HOTEL ASSOCIATES, LLC NOTICE IS HEREBY GIVEN that Nebraska Hotel Associates, LLC (the “Company”) has been organized under the laws of the State of Nebraska. The Designated Office Address of the Company is 1303 South 72 Street, Suite 209, Omaha, Nebraska 68124. The Registered Agent of the Company is DDLG Business Services, Inc., 9500 West Dodge Road, Suite 100, Omaha, Nebraska 68114.

First publication October 25, 2019, final November 8, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF AMENDMENT OF BLUECAT LLC NOTICE IS HEREBY GIVEN the Certificate of Organization of BlueCat LLC, a Nebraska limited liability company, has been amended to change the name of the company to BlueCat Land Acquisition, LLC. The Amended Certificate of Organization was filed with the Nebraska Secretary of State on October 18, 2019.

First publication October 25, 2019, final November 8, 2019 NOTICE OF PUBLICATION TO: JORDAN WEAVER You are hereby notified that on 05/14/19, the Plaintiff Credit Management Services, Inc., filed a Complaint in the COUNTY Court of DOUGLAS County, Nebraska, against you shown as Case Number CI19 10611. The object and prayer of which is a judgment in the amount of 263.00, plus court costs, pre-judgment interest and attorney fees, if applicable.

The Complaint prays that judgment be entered against you. You are hereby notified that you must answer the Complaint on or before 12/08/19 at the COUNTY court of DOUGLAS County, OMAHA Nebraska.

Edwina Heise #25377 P.O. Box 1512 Grand Island, NE 68802 (308)398-3801 Attorney for Plaintiff First publication October 25, 2019, final November 8, 2019

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 PANORAMA INSURANCE ADVISORS, LLC NOTICE IS HEREBY GIVEN that Panorama Insurance Advisors, LLC has been organized under the laws of the State of Nebraska. The designated office of the limited liability company is 13030 Pierce Street, Suite 300, 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 October 16, 2019.

First publication October 25, 2019, final November 8, 2019 NOTICE OF ORGANIZATION OF GARAGE RESTORATION SPECIALISTS, LLC Notice is hereby given that GARAGE RESTORATION SPECIALISTS, 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 11850 Valley Ridge Drive, Papillion, Nebraska, 68046. The name and street mailing address of the initial agent for service of process is Gregory M. Thrasher, the initial registered office located at 11850 Valley Ridge Drive, Papillion, Nebraska, 68046. 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 September 20, 2019, the Company commenced business thereon, and shall have perpetual existence. The affairs of the Company are to be conducted by its members.

First publication October 25, 2019, final November 8, 2019 GNUSE & GREEN LAW OFFICES, P.C., Attorneys 11311 Chicago Circle Omaha, Nebraska 68154 NOTICE OF ORGANIZATION OF CIN-OMA PROPERTIES II, L.L.C. A Nebraska Limited Liability Company Notice is hereby given that CIN-OMA Properties II, 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 11311 Chicago Circle, Omaha, NE 68154. 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 Certificate of Organization was filed in the office of the Nebraska Secretary of State on October 16, 2019. 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 October 25, 2019, final November 8, 2019 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 NATURES BioReserve, LLC, a Nebraska limited liability company, filed its Statement of Dissolution with the Nebraska Secretary of State on October 17, 2019, 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 therefor, and the remaining balance of any assets is to be distributed to its Member.

The Manager will wind up and liquidate the company’s business and affairs.

If you have a claim against the company, 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 1125 South 103rd Street, Suite 800, Omaha, Nebraska 68124. A claim against the company 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 October 25, 2019, final November 8, 2019 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 OZVP I, LLC The name of the Company is OZVP I, LLC. The Designated Office of the Company is: 20706 Cedar Circle, Elkhorn, Nebraska 68022. 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. The purpose is to issue qualified opportunity zone partnership interests and operate a qualified opportunity zone business and to engage in other activities incidental or related thereto. This limited liability company commenced business on October 21, 2019.

First publication October 25, 2019, final November 8, 2019 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 OZVP II, LLC The name of the Company is OZVP II, LLC. The Designated Office of the Company is: 20706 Cedar Circle, Elkhorn, Nebraska 68022. 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. The purpose is to issue qualified opportunity zone partnership interests and operate a qualified opportunity zone business and to engage in other activities incidental or related thereto. This limited liability company commenced business on October 21, 2019.

First publication October 25, 2019, final November 8, 2019

Midlands Business Journal • OCTOBER 25, 2019 • LEGAL NOTICES 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 OZVP III, LLC The name of the Company is OZVP III, LLC. The Designated Office of the Company is: 20706 Cedar Circle, Elkhorn, Nebraska 68022. 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. The purpose is to issue qualified opportunity zone partnership interests and operate a qualified opportunity zone business and to engage in other activities incidental or related thereto. This limited liability company commenced business on October 21, 2019.

First publication October 25, 2019, final November 8, 2019 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 OZVP IV, LLC The name of the Company is OZVP IV, LLC. The Designated Office of the Company is: 20706 Cedar Circle, Elkhorn, Nebraska 68022. 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. The purpose is to issue qualified opportunity zone partnership interests and operate a qualified opportunity zone business and to engage in other activities incidental or related thereto. This limited liability company commenced business on October 21, 2019.

First publication October 25, 2019, final November 8, 2019 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 OZVP V, LLC The name of the Company is OZVP V, LLC. The Designated Office of the Company is: 20706 Cedar Circle, Elkhorn, Nebraska 68022. 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. The purpose is to issue qualified opportunity zone partnership interests and operate a qualified opportunity zone business and to engage in other activities incidental or related thereto. This limited liability company commenced business on October 21, 2019.

First publication October 25, 2019, final November 8, 2019 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 OZVP VI, LLC The name of the Company is OZVP VI, LLC. The Designated Office of the Company is: 20706 Cedar Circle, Elkhorn, Nebraska 68022. 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. The purpose is to issue qualified opportunity zone partnership interests and operate a qualified opportunity zone business and to engage in other activities incidental or related thereto. This limited liability company commenced business on October 21, 2019.

First publication October 25, 2019, final November 8, 2019 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 OZVP VII, LLC The name of the Company is OZVP VII, LLC. The Designated Office of the Company is: 20706 Cedar Circle, Elkhorn, Nebraska 68022. 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. The purpose is to issue qualified opportunity zone partnership interests and operate a qualified opportunity zone business and to engage in other activities incidental or related thereto. This limited liability company commenced business on October 21, 2019.

First publication October 25, 2019, final November 8, 2019 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 OZVP VIII, LLC The name of the Company is OZVP VIII, LLC. The Designated Office of the Company is: 20706 Cedar Circle, Elkhorn, Nebraska 68022. 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. The purpose is to issue qualified opportunity zone partnership interests and operate a qualified opportunity zone business and to engage in other activities incidental or related thereto. This limited liability company commenced business on October 21, 2019.

First publication October 25, 2019, final November 8, 2019 HALEY REAL ESTATE GROUP, LLC 10703 J Street, Suite 101 Omaha, NE 68127 NOTICE OFAMENDMENT TO CERTIFICATE OF ORGANIZATION FOR HREGDEI PROPERTY GROUP, LLC An Amended Certificate of Organization was filed with the Nebraska Secretary of State for HREGDEI Property Group, LLC (the “Company”) on June 20, 2019. Said amendment changes the name of the Company to Haley CMS, LLC. First publication October 25, 2019, final November 8, 2019

NOTICE OF ORGANIZATION of a Limited Liability Company Notice is hereby given the registration with the Nebraska Secretary of state’s office of VSG Construction, LLC under the laws of the State of Nebraska as follows: The name of the company is VSG Construction, LLC. Registered agent and office of VSG Construction, LLC at 5710 S 14th Street, Omaha, NE 68107. Initial members: Victor Manuel Solorio Garcia. 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 on October 2019 for the perpetual duration and is managed by its members.

First publication October 25, 2019, final November 8, 2019 LINDSEY A. SCHULER, Attorney CROKER, HUCK, KASHER, DEWITT, ANDERSON & GONDERINGER, L.L.C. 2120 S. 72nd Street, Suite 1200 Omaha, Nebraska 68124 NOTICE OF ORGANIZATION OF EM'S WOODWORK, LLC The name of the limited liability company is Em's WoodWork, 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 October 25, 2019, final November 8, 2019 WHITMORE LAW OFFICE LLC 7602 Pacific Street, Suite 200 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION Notice is hereby given that The Cord: Where Science Meets Connection, L.L.C., a Nebraska professional limited liability company, is organized under the laws of the State of Nebraska, with its registered office at 638 N. 109th Plaza, Omaha, Nebraska 68154. The general nature of the business is to engage in and do any lawful business, other than banking or insurance, for which a limited liability company may be organized under the laws of the State of Nebraska, and for all other purposes authorized by law, to the extent as natural persons might or could do. The limited liability company was formed on October 17, 2019. Its affairs shall be conducted by the members pursuant to an Operating Agreement duly adopted by the company.

Catherine A. Schweitzer, Organizer Stefanie J. Armstrong, Organizer First publication October 25, 2019, final November 8, 2019 RUSSELL J. KREIKEMEIER, Attorney KREIKEMEIER LAW OFFICES 126 East Grove Street West Point, Nebraska 68788 NOTICE OF INCORPORATION Notice is hereby given of the incorporation of Stavas Medical Imaging, PC, with its registered office address at 126 East Grove, West Point, Nebraska 68788 and its principal office location in Omaha, Nebraska. The purpose or purposes for which this professional corporation is formed is to specialize in diagnosing injuries and diseases using medical imaging procedures such as X- Ray, Computed Tomography (CT), Magnetic Resonance Imaging (MRI), nuclear medicine, Positron Emission Tomography (PET) and ultrasound; from body imaging to diagnostic radiology, mammography, to molecular medicine/imaging, interventional radiology procedures and medical consulting. The Professional Corporation will conduct any other matter(s) including the transaction of all or any lawful business or engagement in any commercial venture permitted by the Nebraska Professional Corporation Act, as amended, and all other applicable law. The initial authorized capital stock of the corporation is $10,000.00 and such stock shall be issued at such time and under such conditions as the Board of Directors may determine.

The Professional Corporation commenced doing business on October 16, 2019, and shall have perpetual existence. The affairs of the Professional Corporation shall be conducted by a Board of Directors and such officers as may be provided in the bylaws of the Professional Corporation. The incorporator is Joseph M. Stavas, 662 North 63rd Street, Omaha, Nebraska 68138.

DATED the 18th day of October, 2019.

First publication October 25, 2019, final November 8, 2019 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 COMPLETE WELLNESS, LLC NOTICE IS HEREBY GIVEN that Complete Wellness, LLC has been organized under the laws of the State of Nebraska. The limited liability company shall provide mental health services. The designated office of the limited liability company is 2138 South 181st Circle, Omaha, Nebraska 68130. 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 October 17, 2019.

First publication October 25, 2019, final November 8, 2019 DVORAK LAW GROUP LLC 9500 West Dodge Road, Suite 100 Omaha, Nebraska 68114 NOTICE OF INCORPORATION NOTICE IS HEREBY GIVEN that Urban Chiral Condominium Association has been incorporated under the laws of the State of Nebraska on October 11, 2019. The Corporation is a mutual benefit corporation and shall have members. The initial registered agent and registered office of the corporation are DDLG Business Services, Inc., 9500 West Dodge Road, Suite 100, Omaha, NE 68114. The name and street address of the incorporator of the corporation is Daniel R. Carnahan, 9500 West Dodge Road, Suite 100, Omaha, NE 68114.

First publication October 25, 2019, final November 8, 2019

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NOTICE OF ORGANIZATION OF BRANDED BY SALT, LLC Notice is hereby given that BRANDED BY SALT, 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 16523 Bauman Cr., Omaha, Nebraska 68116. The name and street mailing address of the initial agent for service of prices is Tabitha Thrasher, the initial registered office is located at 16523 Bauman Cr., Omaha, Nebraska, 68116. 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 September 11, 2019, the Company commenced business thereon, and shall have perpetual existence. The affairs of the Company are to be conducted by its member, Tabitha Thrasher.

First publication October 25, 2019, final November 8, 2019 BREASCH FINANCE & TAX CONSULTING INC. 4879 S 132nd Avenue Omaha, NE 68137 CERTIFICATE OF ORGANIZATION OF SWAGGER CONSULTING LLC A NEBRASKA LIMITED LIABILITY COMPANY 1. The name of the limited liability company is SWAGGER CONSULTING LLC 2. The period of duration for SWAGGER CONSULTING LLC is perpetual.

3. SWAGGER CONSULTING 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 SWAGGER CONSULTING LLC in Nebraska is 17609 O Street, Omaha, Nebraska 68135.

5. The name and address of the registered agent for SWAGGER CONSULTING LLC in Nebraska is Cindy 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. Dana Hunsaker, organizer(s) of SWAGGER CONSULTING LLC has signed the Foregoing Certificate of Organization effective this 9th Day of October 2019.

First publication October 25, 2019, final November 8, 2019 HALEY REAL ESTATE GROUP, LLC 10703 J Street, Suite 101 Omaha, NE 68127 N O T I C E O F O R G A N I Z AT I O N F O R H R G P R O P E RT Y MANAGEMENT COMPANY, LLC A Certificate of Organization was filed with the Nebraska Secretary of State for HRG Property Management Company, LLC (the “Company”) on September 10, 2014. The address of the Company’s designated office is 10703 J Street, Suite 101, Omaha, NE 68127. The name and address for the Company’s registered agent is Carl J. Troia, Jr., 10703 J Street, Suite 101, Omaha, NE 68127.

First publication October 25, 2019, final November 8, 2019 HALEY REAL ESTATE GROUP, LLC 10703 J Street, Suite 101 Omaha, NE 68127 NOTICE OFAMENDMENT TO CERTIFICATE OF ORGANIZATION FOR HRG PROPERTY MANAGEMENT COMPANY, LLC An Amended Certificate of Organization was filed with the Nebraska Secretary of State for HRG Property Management Company, LLC (the “Company”) on April 16, 2015. Said amendment changes the name of the Company to Haley Residential, LLC. First publication October 25, 2019, final November 8, 2019 PATRICK M. FLOOD, Attorney PANSING HOGAN ERNST & BACHMAN LLP 10250 Regency Circle, Suite 300 Omaha, Nebraska 68114-3728 NOTICE OF ORGANIZATION OF FRANCO, LLC Notice is hereby given of the organization of Franco, LLC. 1. The name of the limited liability company is Franco, LLC. 2. The street and mailing address of the initial designated office is 1005 Meadow Road, Omaha, Nebraska 68154, and the name and street address of the registered agent for service of process is Patrick M. Flood, 10250 Regency Circle, Suite 300, Omaha, Nebraska, 68114.

First publication October 25, 2019, final November 8, 2019 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 EMPIRE PARK II LLC, as of October 16, 2019. 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 October 25, 2019, final November 8, 2019

18

• OCTOBER 25, 2019 • Midlands Business Journal

LEGAL NOTICES 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 EMPIRE PARK I LLC, as of October 16, 2019. 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 October 25, 2019, final November 8, 2019 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 BELLEVUE PROFESSIONAL CENTER LLC, as of October 16, 2019. 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 October 25, 2019, final November 8, 2019 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 FRANCES LLC, as of October 16, 2019. 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 October 25, 2019, final November 8, 2019 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 APG LLC, as of October 16, 2019. 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 October 25, 2019, final November 8, 2019 HALEY REAL ESTATE GROUP, LLC 10703 J Street, Suite 101 Omaha, NE 68127 NOTICE OFAMENDMENT TO CERTIFICATE OF ORGANIZATION FOR HALEY RESIDENTIAL, LLC An Amended Certificate of Organization was filed with the Nebraska Secretary of State for Haley Residential, LLC (the “Company”) on October 17, 2017. Said amendment changes the name of the Company to HREGDEI Property Group, LLC. First publication October 25, 2019, final November 8, 2019 NOTICE OF ORGANIZATION Notice is hereby given that McKee Economics, LLC, a Nebraska Limited Liability Company, has been organized under the laws of the state of Nebraska, with its initial designated office at 17141 Colony Drive, Omaha, NE 68136. The initial agent for service of process of the Company is Bradford G. Barker, 405 S. 16th Street, #403, Omaha, NE, 68102.

First publication October 25, 2019, final November 8, 2019

WHITMORE LAW OFFICE LLC 7602 Pacific Street, Suite 200 Omaha, Nebraska 68114 NOTICE OF ORGANIZATION Notice is hereby given that Rescue Realty, L.L.C., a Nebraska professional limited liability company, is organized under the laws of the State of Nebraska, with its registered office at 12903 Deer Creek Drive, Omaha, Nebraska 68142. The general nature of the business is to engage in and do any lawful business, other than banking or insurance, for which a limited liability company may be organized under the laws of the State of Nebraska, and for all other purposes authorized by law, to the extent as natural persons might or could do. The limited liability company was formed on October 16, 2019. Its affairs shall be conducted by the members pursuant to an Operating Agreement duly adopted by the company.

Amy Lindhorst, Organizer First publication October 25, 2019, final November 8, 2019

DENNIS P. LEE, Attorney LEE LAW OFFICE 2433 South 130th Circle, Suite 300 P.O. Box 45947 Omaha, Nebraska 68145 NOTICE OF SUIT TO: BERNARD E. BYARS, 5821 N. 100th Plz. Apt 10, Omaha NE 68134, you are hereby notified that on September 13, 2019, Credit Acceptance Corporation filed a suit against you in the Douglas County Court at docket CI19-20334, the object in prayer of which was to secure a judgment against you in the amount of $5,855.10, together with court costs, interest and attorney's fees as allowed by law. Unless you file your Answer with the Douglas County Court on or before the 16th day of December, 2019, the Petition against you will be considered as true and judgment will be entered against you accordingly.

First publication October 25, 2019, final November 15, 2019

MATTHEW T. PAYNE, Attorney PANSING HOGAN ERNST & BACHMAN LLP 10250 Regency Circle, Suite 300 Omaha, Nebraska 68114-3728 NOTICE OF ORGANIZATION OF ROMICH, LLC Notice is hereby given of the organization of Romich, LLC 1. The name of the limited liability company is Romich, LLC 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 Matthew T. Payne, 10250 Regency Circle, Suite 300, Omaha, Nebraska 68114.

First publication October 25, 2019, final November 8, 2019

KOLEY JESSEN P.C., L.L.O., Attorneys 1125 South 103rd Street, Suite 800, One Pacific Place Omaha, Nebraska 68124-1079 APPLICATION FOR REGISTRATION OF TRADE NAME Trade Name to be registered is: TEK Brands Name of Applicant: TEK Brands Management, LLC Address: 8843 South 137th Circle, Omaha, NE 68138 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 1, 2019 General nature of business: home to series of multi-channel marketers providing premier solutions across a multitude of industries including quilters, educators, craft retailers, paper crafters, and stationary designers.

STEVE NABITY Signature of Applicant or Legal Representative October 25, 2019

NOTICE OF PUBLICATION TO: JAMES GARRETT You are hereby notified that on 05/21/19, the Plaintiff Credit Management Services, Inc., filed a Complaint in the COUNTY Court of DOUGLAS County, Nebraska, against you shown as Case Number CI19 11204 . The object and prayer of which is a judgment in the amount of 1,199.00, plus court costs, pre-judgment interest and attorney fees, if applicable.

The Complaint prays that judgment be entered against you. You are hereby notified that you must answer the Complaint on or before 12/15/19 at the COUNTY court of DOUGLAS County, OMAHA Nebraska.

Steven J. Morrison #24708 P.O. Box 1512 Grand Island, NE 68802 (308)398-3801 Attorney for Plaintiff First publication October 25, 2019, final November 8, 2019 APPLICATION FOR REGISTRATION OF TRADE NAME Trade Name to be registered is: Predire Paris Beauty Name of Applicant: BMB Beauty Retail LLC Address: 10,000 California St. Omaha NE 68114 Applicant is a Limited Liability Company If other than an Individual, state under whose laws entity was formed: Florida Date of first use of name in Nebraska: Sept 1 2019 General nature of business: Retail sales & general merchandising including consulting MICHAEL EMOKPAE Signature of Applicant or Legal Representative October 25, 2019 NOTICE OF ORGANIZATION OF BJR MILLARD, LLC NOTICE IS HEREBY GIVEN that BJR Millard, LLC has been organized under the laws of the State of Nebraska. The designated office of the limited liability company is 14406 Harrison Street, Omaha, Nebraska 68138. 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 July 18, 2019.

First publication October 25, 2019, final November 15, 2019 APPLICATION FOR REGISTRATION OF TRADE NAME Trade Name to be registered is: Aspiring Solopreneur Name of Applicant: Cherokee Street Investments Inc Address: 6306 N 142nd Avenue Omaha NE 68164 Applicant is a Corporation If other than an Individual state under whose laws entity was formed: Colorado Date of first use of name in Nebraska: 07/2019 General nature of business: Publishing and education Kristopher Kluver Signature of Applicant or Legal Representative October 25, 2019 APPLICATION FOR REGISTRATION OF TRADE NAME Trade Name to be registered is: Handyman Matters Omaha Name of Applicant: Schenzel Holdings, LLC Address: 3414 N 49th St. Omaha, NE 68104 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: General nature of business: November 1st, 2019 TURNER SCHENZEL Signature of Applicant or Legal Representative October 25, 2019

Midlands Business Journal • OCTOBER 25, 2019 •

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In the eyes of business leaders, ‘social purpose’ has replaced ‘shareholder capitalism’

by Bruce DeBoskey

Nearly 50 years ago, Milton Friedman launched the era of “shareholder capitalism.” At that time, the Nobel-Prize-winning economist admonished American business leaders that their only responsibility was to maximize Philanthropy profits. The world has changed a lot since then — for better and for worse.

Some still espouse this theory.

According to Friedman and his proponents, social responsibility — and the purpose of building healthier, safer, fairer, environmentally sustainable and inclusive communities — should be the province of individuals or nonprofit organizations.

If businesses focus on making money for the shareholders, the good stuff will fall into place.

Friedman’s theory in question A half-century later, Friedman’s theory about the eventual benefits to society of shareholder capitalism hasn’t worked out that way. One glaring example is income inequality. In the United States, the top 1% of households own 40% of the country’s wealth. This is more than the bottom 90% combined — and the highest discrepancy since 1962.

In 2017, the gap between the pay of CEOs and average workers was nearly nine times larger than in 1980. In one survey of large U.S. companies, the average CEO earned $13.94 million, while the average worker earned $38,613. Plus, women still earn about 80% of what men earn for the same work.

On a global level, the eight richest people control the same wealth as half the world’s population. The fortunes of the world’s 2,043 billionaires grew by $762 billion in 2017, while the poorest half of humanity saw no increase. The “good stuff” seems to be staying at the top.

At the same time, there is a dramatic loss of support for capitalism among younger Americans. A 2016 Harvard study found that 51% of U.S. respondents between the ages of 18 and 29 do not support capitalism. One-third favored a turn to socialism. A 2018 Gallup poll found similar results — only 45% of this demographic viewed capitalism positively. This was a drop of 23 percentage points from 2010.

And there’s the environmental and climate consequences of focusing on profit, often at the expense of planet.

Businesses rethinking social purpose Business is waking up to these seismic shifts. Just last month, the Business Roundtable (an association of the CEOs of America’s top 200 companies) released a statement rejecting “shareholder primacy” and redefining the very purpose of a corporation as “to promote an economy that serves all Americans.” This is a dramatic departure from its historic position.

The statement mentions shareholders only near its end, where it states a business’ commitment to serve all stakeholders — including customers, employees, suppliers, communities, the environment and, finally, shareholders.

This revolutionary statement is a reaction to the rapidly growing body of evidence that social purpose and profit go hand-in-hand. Research shows that if a company has a strong corporate social

Likewise, the rapid growth of impact investing — especially with philanthropically committed capital — reflects the importance of social purpose in business objectives. Currently, $12 trillion (one out of every four U.S. dollars under professional management) is now invested using a sustainable-, responsible- and impact-investing lens.

Prominent among the many factors considered by these investors are community and employee engagement, philanthropic commitment and social purpose.

The broadening of the definition of corporate purpose fortifies U.S. businesses to work alongside government and nonprofit partners to become true and impactful agents of social change. This is the true definition of the “triple bottom line” for businesses — a positive impact on people and planet, as well as profit. ©2019 Bruce DeBoskey Distributed by Tribune Content Agency, LLC.

Wave of the future? Developer touts micro units for millennial renters

by Jim Buchta

Ready to live like a minimalist?

City Club Apartments CBD, a new rental building in downtown Minneapolis, is betting there are a lot of home seekers like you. Many of the 307 units in the building are compact, one-room apartments with built-in Real estate Murphy beds, and the 17-story building has only 20 dedicated parking spaces, making it an outlier in an increasingly competitive rental market.

The Michigan-based developer of that project, Jonathan Holtzman, was in town this week to tout the project, which he said has been a hit and will serve as a model for future developments.

He said that within months of opening, more than half the units have been leased, emboldening him to pursue a second highrise development in downtown Minneapolis, though he wasn’t ready to disclose the location.

“This community represents the next evolution of that process and thinking and will inform our vision and mix for the communities we currently have under

How to develop a career plan that can actually help you Continued from page 13. ly askew, you might be looking for major changes. Something like a career change is possible, but recognize that it’s not easy.

It’s more than acquiring new skills. You also need an organization that’ll give you a chance in an untried role.

Then take a reality check. Even though you didn’t have a road map, I wonder if you would actually change your path.

Letting ideas about how you “should” have proceeded can taint your view and whip up fake dissatisfaction. Be careful to tap into what you value and not messages you may have received about the proper goals to have.

Now, what if you decide that you do need to take a different approach? This would be an excellent time to get support and there are a variety of routes you could take.

purpose, its employees will feel greater meaning and impact in their jobs.

Research also show that companies with high levels of purpose outperform the market by 5-7% per year — at the same level as companies with best-in-class governance and innovative capabilities. In addition, they grow faster and are more profitable.

A new commitment to triple bottom line Business philanthropy is a key component of any corporate “social purpose” strategy. Chief Executives for Corporate Purpose was founded 20 years ago as a panel of CEOs to encourage corporate philanthropy and “to call for a serious acknowledgement that corporations play an important role in society, beyond their ability to make money for shareholders.”

According to Giving USA, U.S. corporations in 2018 donated more than $20 billion in cash to charities — and billions more in in-kind and volunteer donations.

If you are able, working with a career coach is a great route to take. These professionals specialize in clarifying where you want to be and helping you to achieve it.

Organizations including local governments, nonprofits, and colleges and universities also may have resources available, often free or for a modest fee.

Most importantly, don’t go through this alone. Talk to friends, family, and colleagues about their paths. You may find that your route through life is more common than you thought, which may give you some reassurance. Plus it may provide ideas on how to adapt if that’s what you want to do.

Finally, go easy on yourself. Respect your past and look forward to your next steps. ©2019 Star Tribune (Minneapolis) Distributed by Tribune Content Agency, LLC.

development in Detroit, Kansas City, Chicago and Cleveland,” he said.

With a record number of rentals expected to hit the market in the Twin Cities metro this year and competition for renters on the rise, developers are watching the market closely to determine the best mix of units in their buildings. Many believe micro-units are the wave of the future.

Holtzman said the majority of the new apartments that have come online in the last five years have been one-bedroom, one-bath and two-bedroom, two-bath units, but “our nontraditional, smaller floor plans are leasing the fastest.”

Holtzman calls the smallest units in the building “nanos.”

One-room apartments, known by many as studios, efficiencies and micro-units, are nothing new in the Twin Cities. During the 1980s, several high-rise buildings were built with one-room apartments and smallish alcove units that have a small anteroom with room for just a bed and a nightstand.

Sacrificing space And over the past decade, a growing number of developers are catering to renters who are willing to sacrifice space for affordability.

Yellow Tree, a Minneapolis-based developer and property-management company, recently finished a new 65-unit building in northeast Minneapolis that features micro apartments that are much smaller than usual, including one-room studio apartments of 358 square feet.

For many millennials, space to entertain at home is less important than common space where they can congregate with friends and other residents. At City Club CBD, the building is stocked with several gathering spaces including a 17th-floor rooftop Sky Club with a swimming pool and outdoor kitchen.

For developers, the smallest units typically fetch the highest per-square-foot price, though the monthly rent is lower than one would pay for a one-bedroom or larger unit.

“They’ve made units smaller and smaller in order to help people with their rent payment,” said Gina Dingman, pres-

ident of Everest Real Estate Advisors in Edina, Minn. “Most people aren’t paying attention to their per-square-foot price; they’re just looking at their monthly payment.”

At City Club CBD, nano-apartments range from about 450 to 600 square feet.

Rents vary depending on the location within the building. A 450-square-foot unit on the third floor, for example, rents for $1,250 per month. A one-bedroom plus den unit with 875 square feet rents for $1,450.

With an overall vacancy rate throughout the seven-county metro at just 2.3%, the average monthly rent is now at an unprecedented $1,254 — a nearly 8% increase over last year, according to a midyear report from Marquette Advisors.

In downtown Minneapolis, renters have more options but will pay more. The average vacancy rate during the second quarter increased slightly to nearly 5%, not including income-restricted units. The average rent was $1,749.

Mary Bujold, president of Maxfield Research in Minneapolis, said the lack of parking at City Club CBD is unlikely to be an issue given the building’s location near multiple forms of public transportation and within walking distance to shops, restaurants and services.

“If you are right in the downtown, technically you do not need to even own a car, which gives you added income to your bottom line,” she said. “Micro-units will continue to attract young people, but do not really fit too well for older people who usually want a little more space.”

Holtzman said he has been testing nontraditional sized apartments with unusual floor plans over the last three years, and used that knowledge to determine the unit mix at City Club CBD. “Our competitors are watching very closely and would love to know the mix of our 307 units,” he said. “I don’t want to educate them … this knowledge and focus on continued disruption is one of our many competitive advantages.” ©2019 Star Tribune (Minneapolis) Distributed by Tribune Content Agency, LLC.

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• OCTOBER 25, 2019 • Midlands Business Journal

REGIONAL LANDSCAPES

Briefs…

What does popcorn, a clothing line, biscotti and southern food have in common?

They were all winning business concepts at The Community CONNECT, Investing in Entrepreneurship, a startup pitch competition that awarded a total of $15,000 to the top winning businesses. The first-place winner was Orlanda Whitfield, owner of Still Poppin, who was awarded $10,000. Second place winner Gary Ballard, owner of Haberdash O.N.E., received $3,000. Two entrepreneurs tied for third, owners Diamond Simms of Emery’s Café and Sophia Jordan of Black Bottom Biscotti. Each will split a $2,000 cash award.

The Sarpy County Chamber of Commerce and Leadership Sarpy Advisory Board announced the 2019-2020 Leadership Sarpy Class. The members include: Adam Hoebelheinrich, Alex Kumm, Amanda Preister, Amy Waggoner, Andrew Thompson, Andy Sajevic, Angie Velardi, Ashley O’Neal, Brian Kindley, Britton DeWeese, Bruce Yoder, Dean Wilson, Geraud Gandemey, Jacob Zach, Janel Kaufman, Jennifer Simmonds, Jose Dimas, Josh Charvat, Kate Gatewood,

Kelly Baulisch, Kristina Boehmer, Lisa White, Mandy Miser, Matthew Gulsvig, Melissa Glenn, Mike Zadina, Philip Niewohner, Quinn Cooper, Ryan Strawhecker, Samantha Brunken, Shawn Hovseth, Sherry Coon, TJ Matgen and Todd Santoro.

Nebraska’s 2019 Book Award winners are: Children’s Picture Book: A is for Astronaut: Blasting Through the Alphabet

by Astronaut Clayton Anderson. Young Adult: Squint by Chad Morris and Shelly Brown. Cover/Design/Illustration: Portraits of the Sandhills in Words and Watercolors

by Richard Schilling. Fiction: Lost Creed

by Alexa Kava. Fiction Honor: The Sea of Grass: A Family Tale from the American Heartland by Walter R. Echo-Hawk. Nonfiction Environmental History: Flood on the Tracks: Living, Dying, and the Nature of Disaster in the Elkhorn River Basin by Todd M. Kerstetter. Nonfiction Essay: Five Plots

by Erica Trabold.

Holmes Murphy, a employee-owned and controlled brokerage, along with M3 Insurance, PayneWest Insurance, ABD Insurance & Financial Services, Conner Strong & Buckelew, and Assurance, announced

the launch of BrokerTech Ventures, the first program specifically for investors and innovators building the next generation of tech solutions for insurance agencies and brokerages. BrokerTech Ventures will deploy a highly intentional accelerator curriculum, as well as a veteran mentoring network, seed funding for a portion of the chosen startups’ research and testing, and a distribution platform to deploy the technologies.

Lt. Gov. Mike Foley presented this year’s Be Prepared Awards, recognizing volunteers and community organizations for excellence in emergency preparedness and disaster response. Awardees included: Bill Montz, Local Hero Award; Southeast Nebraska Medical Reserve Corps, Tri-County Community Emergency Response Team, Eastern Nebraska/Western Iowa Medical Reserve Corps, and Hall County Community Emergency Response Team received the Local Heroes Award; Mike Blue and Larry Martin, Excellence in Individual Preparedness Award; Sarpy County Emergency Management, Citizen Corps Partner Program of the Year; and Douglas King, Sr., Citizen Corps Volunteer of the Year Award.

REI, an Omaha-based engineering and manufacturing company that provides commercial-grade electronic solutions for the global transportation industry, announced its expansion to 15,000 square feet of new office space. Located at 11128 John Galt Boulevard in Omaha, the new space will accommodate REI’s expanding sales and marketing teams.

To date, REI’s sole Omaha location was its 180,000-square-foot headquarters and production facility at 6534 L Street. Beyond its expansion, REI is currently renovating its L Street headquarters. The project is expected to take several months and will impact all corners of the building.

Holmes Murphy, one of the nation’s largest employee-owned and controlled insurance brokerages, expanded its footprint into the international space by recently acquiring Global Captive Management.

GCM is no stranger to Holmes Murphy, specifically the Innovative Captive Strategies subsidiary. GCM manages several of ICS’s captive programs, and the two companies have a history that dates back two decades.

Through the acquisition, GCM will continue to operate under its current name, structure, and employees. Peter MacKay will continue leading the team and supervise day-to-day operations. Dan Keough and Tom Stewart will join GCM’s leaders to oversee governance and management responsibilities.

Two Kearney leaders and a western Nebraska banker are the newest members of the GROW Nebraska Board of Directors.

Richard L. Johnson, senior vice president of Adams Bank & Trust in Ogallala; Kristi Gargan, marketing director at Buzz’s Marine; and Kirsti Schack, retail manager at First National Bank Kearney Branch, will now serve on the statewide GROW Nebraska board.

NorthMarq Omaha’s Josh Larsen secured the $23,052,000 refinance of The ZAG Apartments. The property is located at 5110 Mayberry Street in Omaha. Financing details: 10-year term (with three-years interest only); 30-year amortization schedule; Permanent-fixed nonrecourse loan; Pre-stabilized funding; NorthMarq arranged financing for the borrower through its in-house Fannie Mae team.

Leo A Daly completed the new West

Precinct for the Omaha Police Department.

Leo A Daly led architecture and engineering services for the 36,000-square-foot facility, which houses three police units, including emergency response, traffic investigations and patrol, as well as command and administrative staff. Amenities such as a community room, public workstations and Wi-Fi invite press members and neighborhood organizations to share space and engage with police, fostering transparency and partnership. Construction costs for the facility came in under the $10 million budget at about $8.2 million, and on-schedule.

The Home Company opened its newest community in Bellevue — Belle Lago. The Belle Lago neighborhood is located off of 48th Street and Capehart Road, just a five minutes’ drive from the Offutt Air Force Base and STRATCOM as well as the Shadow Lake Shopping Center. The community will feature large single-family and villa-style homes ranging in price from $250,000 up to $350,000. The homes will sit on winding roads that lead to a private lake set with trails and pathways for bikes, runners and walkers as well as the opportunities for kayaking, canoeing and fishing.

The AMA Omaha Board is proud to introduce our inaugural AMA Omaha Executive Advisory Council. This council serves as a valuable resource, offering marketing industry expertise to help guide the AMA Omaha Board in building a better, more valuable local Chapter through programming and other means. Founding Council members are: Greg Daake, principal & creative director, Daake; Malorie Maddox, chief communications & marketing officer, Blue Cross and Blue Shield of Nebraska; Paul Baltes, director of communications, Nebraska Medicine; Megan Longo, director of marketing, Buildertrend; and Brent Pohlman, CEO, Midwest Laboratories.

SCORR Marketing President Krystle Buntemeyer is the recipient of the 2019 Distinguished Young Alumni Award from the University of Nebraska at Kearney Alumni Association. Also named the 2017 Marketer of the Year by the American Marketing Association - Omaha, Buntemeyer has been regularly recognized for her contributions to the industry. During her time at SCORR Marketing, Buntemeyer has had a role in serving more than 300 global pharmaceutical companies, drug development service providers, and health care organizations.

She is responsible for SCORR’s day-to-day operations and growth and holds a strategic executive role on client accounts.

Health care notes…

Medica and CHI Health are building on an established partnership to bring innovative Medicare Advantage plan options to the Omaha — Council Bluffs market.

Medica Advantage Solution with CHI Health (HMO-PPO) & (PPO) are available to eligible seniors in an 11-county area that includes Butler, Cass, Dodge, Douglas, Lancaster, Sarpy, Saunders and Washington counties in Nebraska and Harrison, Mills and Pottawattamie counties in Iowa. For 2020 coverage, Medicare open enrollment is open until Dec. 7 and the effective coverage date is Jan. 1.

Medica Advantage Solution with CHI Health plans are available in either an HMO or preferred provider organization (PPO) design.

Gordmans named Dr. Powel Brown as this year’s Breast Cancer Research FoundaContinued on next page.

Midlands Business Journal • OCTOBER 25, 2019 •

21

REGIONAL LANDSCAPES Continued from preceding page. tion investigator. Brown received the 2019 Stage Community Counts Award that was funded from the generosity of Gordmans and Stage guests during last year’s Breast Cancer Awareness month. Throughout this October’s Breast Cancer Awareness month, Gordmans is raising funds for next year’s Research HERo. Gordmans will donate $1 for the first 10,000 guests who use the hashtag #ipinkican on Gordmans’ Facebook or Instagram pages.

Gordmans guests will also can purchase specially designed reusable shopping bags.

Gordmans will donate $2 for the purchase of each of these bags to BCRF.

Education notes…

A partnership that focuses on providing service-learning opportunities for students at the University of Nebraska at Omaha and Omaha Public Schools is receiving national recognition. The UNO Service Learning Academy’s P-16 Initiative pairs undergraduate students at UNO and K-12 students in area school districts with organizations in the community. The initiative was recently awarded the Excellence in Community Partner Engagement Award by the Engagement Scholarship Consortium. More than 20,000 UNO students and 16,000 K-12 students have applied academic concepts and experienced MEETINGS AND SEMINARS Thursday, Oct. 31 C Suite Conversations is hosting the next installment in its 2019-20 series “Expanding the Minds of Transitional Leaders” with a presentation by Anne Burnett and David Thompson on “Elder Law in the context of Family Businesses” at 8:30 a.m.

Burnett and Thompson work for the Omaha law firm Carlson Burnett and will give participants a better understanding of how to keep the business running efficiently and educating the families on how aged owners and employees present special oppportunities and challenges.

Friday, Nov. 1 Nebraska Treasurer John Murante will be hosting the Inaugural Smart Women Smart Money Nebraska Conference at the Embassy Suites Conference Center in La Vista. Registration for the conference is free, and can be found at www.swsmNEBRASKA.com.

The conference will feature business experts and coaches from a variety of backgrounds and industries. A complimentary breakfast and lunch will be provided. The conference will feature keynote speakers retired Army Major Scott Smiley and his wife Tiffany, who founded Hope Unseen. After suffering grievous wounds in combat, Major Smiley became the first blind active-duty officer in military history.

Saturday, Nov. 2 Bridge to Care, a student-led interprofessional organization at the University of Nebraska Medical Center focused on refugee health, will host its annual Fall Refugee Health Fair from 10 a.m. to 2 p.m. at Omaha Benson High School. UNMC students from all colleges will volunteer at the health fair alongside 22 community vendors, to provide health education, screenings and services to an expected 400-500 refugees from Omaha communities such as the Sudanese, Somali, Karen and Bhutanese. Free services will include vision assessment, dental screenings, Body Mass Index measurement, blood pressure checks and glucose level screenings.

civic engagement firsthand through the P-16 Initiative since 2010.

College of Saint Mary presented five Omaha professionals with the CSM 2019 Alumnae Achievement Award. The award is given to individuals who embody and actively live out the values of College of Saint Mary. Those honored were Cathy Kruse Blackman ’74, Kayleen Snyder Wallace ’79, Lorra Taitague O’Banion ’94, Judy Seeman ’99, and Starlette Dossou ’04.

The National Science Foundation has awarded $1 million in funding to benefit students in science, technology, engineering, and mathematics programs at the University of Nebraska at Omaha. The NSF’s Scholarships in STEM grant will provide students with funding and research opportunities through UNO’s Empowering undergraduates via mentorships, professional development, leadership, and opportunities for Youth EngagEment program. Funds from the program will be distributed to more than 20 students selected through an application process. Students will also benefit from pairing coursebased undergraduate research experiences with opportunities for mentorship, professional development and service. Students can apply by visiting the UNO STEM TRAIL Center website.

Doane University has formed the Division of Diversity, Equity and Inclusion.

In Doane’s 147-year history, this marks the first time the university has had a Division of Diversity, Equity and Inclusion formed. This marks a significant step forward in Doane’s commitment to fostering a community where diversity, equity, and inclusion are considered mission-imperative areas. The Division of Diversity, Equity and Inclusion also allows Doane to have a more unified structure and accelerate programs in delivering equity outcomes for students, faculty, staff, and the community.

Activities of nonprofits…

More than 400 guests joined the Completely KIDS Guild to raise more than $230,000 at “Night in the Neighborhood: Light the Night.” Proceeds from the event, presented by Smile Station Pediatric Dentistry, will support the agency’s mission of educating and empowering kids and families to create a safe, healthy, successful and connected community. Night in the Neighborhood organizers put a twist on the event this year by hosting it from the newly renovated and expanded Completely KIDS headquarters. The evening included a performance by Completely KIDS youth; live and silent auctions; specialty cocktails, appetizers and dinner; gift card grab, giving tree; tequila tasting; and live music.

TAGG, the Midwest-based tech startup known for the free ‘Together A Greater Good’ fundraising app that creates a mutually beneficial relationship between local businesses and organizations moved its headquarters from Omaha to Thrive Space in Waterloo. TAGG, which partners with over 300 businesses, has generated more than $400,000 for local schools, nonprofits, places of worship and youth sports teams since its 2016 founding.

With the TAGG office now relocated at Thrive Space, the growing team will have the opportunity to collaborate with fellow entrepreneurs on the connected business campus and gain access to more space for meetings, conferences and events.

Cox Charities awarded more than $133,000 to greater Omaha nonprofits through its Community Investment Grant program.

This year’s recipients are: A Time to Heal Cancer Foundation; Banister’s Leadership Academy; Catholic Charities of Omaha; Completely KIDS; Eastern Nebraska Office on Aging; Families in Action; First Responders Foundation; FITGirl Inc.; Food Bank for the Heartland; Heartland Family Service; Inclusive Communities; Intercultural Senior Center; Madonna Rehabilitation Hospitals; Omaha Conservatory of Music; OneWorld Community Health Centers; Papillion Community Foundation; Project Harmony; Project Houseworks; The SAC Museum; Survivors Rising; The Union for Contemporary Art; and Visiting Nurse Association.

First National Bank of Omaha awarded $717,000 in community development grants.

Grants include: Autism Action Partnership, Boys Town, Child Saving Institute, College Possible, Completely Kids, Credit Advisors Foundation, Family Housing Advisory Services, Financial Hope Collaborative, Heart Ministry Center, Hope Center for Kids, Latino Center of the Midlands Lutheran Family Services, MCC Foundation, MICAH House, Nebraska Maintenance Academy Inc., New Visions Homeless Services, No More Empty

Pots, NorthStar Foundation, Omaha Home for Boys, Outlook Nebraska, RISE, Siena Francis House, Together, Inc., Urban League, Women’s Center for Advancement, Community Action Partnership of Lancaster and Saunders Counties, Nebraska Children’s and Families Foundation, Platte Valley Literacy Association, Care Corps/Life House, Fremont Public Schools Foundation, Literacy Council of Grand Island, Multicultural Coalition, Deborah’s Legacy.

Arts and events…

On Nov. 4, the Joslyn Art Museum Association presents the 2019 Lecture Luncheon, “Worn on This Day,” in celebration of the Callot Soeurs dress worn by Mrs. Abbott Lawrence Rotch for her portrait

by John Singer Sargent. The guest speaker will be Dr. Kimberly Chrisman-Campbell, an art historian specializing in fashion and textiles. Chrisman-Campbell has worked as a curator, consultant, and educator for museums and universities around the world. She is a frequent contributor to books, scholarly journals, and magazines, as well as an experienced lecturer.

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• OCTOBER 25, 2019 • Midlands Business Journal

Philanthropy and Charity A section prepared by the staff of the Midlands Business Journal

This focus section will be published in the November 1st issue of MBJ with the advertising deadline set for November 2nd.

Topics may include the following: • Philanthropy and Charity overview • Selecting a nonprofit organization • Financial/tax planning considerations • Corporate philanthropy trends/volunteer activities • Planned giving • How crowdfunding and peer-to-peer funding ••Impact Impact investing

Issue Date: November 1 • Ad Deadline: October 24

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

Corporate Security A section prepared by the staff of the Midlands Business Journal

Topics may include:

Topics may include:

Franchising Overview • Choosing a Franchise • Financing Issues • Marketing a Franchise • Building your Franchise

Corporate Security overview • Authentication beyond passwords • Background Check/Safe Hiring Practices • BYOD • Cyber liability insurance • Keeping workplaces safe

Issue Date: November 15 • Ad Deadline: November 7

Issue Date: November 15 • Ad Deadline: November 7

To advertise your company’s products or services in one of our upcoming sections, contact one of our MBJ advertising representatives at (402) 330-1760 or at the email addresses below.

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Midlands Business Journal • OCTOBER 25, 2019 •

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

Demand heightens for home health care services

by Gabby Christensen The home health care industry is growing rapidly, and this trend is expected to continue as baby boomers age.

Jenna Wordekemper, clinical manager at Methodist Fremont Home Health Care, said the current outlook for the home health industry is promising but also challenging.

“Home health is growing by leaps and bounds,” Wordekemper said. “What used to be considered impossible for outpatient is now the expectation. IV antibiotics, TPN, and complex wound care are just a few examples of what kind of care HHC Ripple RN's provide on a daily basis.”

According to Wordekemper, the nursing shortage is real and home health is no exception.

“The aging population in Dodge County is multiplying every year and we must find a solution to be able to match the number of nurses needed in the home health realm,” she said. “There is a brand new system coming to greet home health in 2020. It is called PDGM, or patient-driven grouping model.

It is designed to be a good steward of health care funds and really put emphasis on quality of care rather than quantity of care.”

Additionally, Reggie Ripple, vice president of Home and Community Services at Hillcrest Health Services, said payment model changes are driving hospital systems and accountable care organizations (ACO) to look at patient outcomes and the cost to deliver that care over the entire course of a person’s recovery or throughout the progression of a disease, instead of only looking at their segment of the care.

“As a result, hospitals and ACOs are actively evaluating where their patients are going after the hospital stay, what services they are using, the quality outcomes they achieve and the cost of those services,” Ripple said.

“This presents a unique opportunity for home health care and in-home service providers to partner with hospitals and ACOs to coordinate care, share quality metrics and possibly even share cost of care with an overall goal to improve outcomes for the patients we serve. This shift has moved more traditional hospital care to the home, which makes for very exciting times for home care providers.”

Jenna Wordekemper, clinical manager at Methodist Fremont Home Health Care.

He said the utilization of technology is in- other selected chronic illnesses,” Ripple said. creasing in the delivery of home health care, “All of this is done without the patient leaving allowing providers to be more proactive and the home, providing high-quality care at the intervene earlier to improve care and reduce right time and at the right place.” costs associated with unnecessary emergency Nationally, Jaye Firmature McCoy, presdepartment visits and/or rehospitalizations. ident of FirstLight Home Care, said hiring “For example, at Hillcrest Home Care, we caregivers is a challenge across the health are deploying in-home telehealth monitors care continuum and there will continue to be for patients with congestive heart failure and a strong, strategic focus on caregiver recruit-

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October 25, 2019

ing, hiring, training and retaining.

As technology in the home promotes independence and assists in keeping clients at home longer, Firmature McCoy said FirstLight Home Care nationally will soon be rolling out a new telemonitoring offering.

“We have partnered with HNC Virtual Solutions and CareHalo to provide remote patient monitoring, peripherals to take vitals and provide chronic disease management for things like diabetes, high blood pressure and COPD,” she said. “Telemonitoring allows for more real-time reporting of health conditions which can reduce hospital admissions and readmissions and helps provide peace of mind to local or McCoy remote family members who are trying to manage their loved one’s care.”

In addition to its dementia care program, FirstLight Home Care has also partnered with Ageless Grace, which provides a researched and proven brain fitness program that increases neuroplasticity and helps fire new neurons in the brain.

“Ageless Grace combines physical movements, sensory engagement and strategic thinking in an exercise format that is performed seated, can be done by everyone and is abundantly fun,” she said. “It addresses lifelong optimal brain function while emphasizing anti-aging techniques.”

Home care providers face stiff competition for caregivers growth, while another 3.6 million and 2.8

by Michelle Leach million will result from employees leaving Inevitably, even with the best self-care, the labor force and taking jobs outside the everyone needs a little help to remain safe in field respectively. their homes. With a soaring aging “The Nebraska Center for population, individuals up for the Nursing funded a multi-regional challenges and rewards of caregivstudy predicting the needs and ing are persistently in short supply. shortages of advanced practice “From 2016 to 2026, it’s anticnurses (APRNs), anesthetists, ipated that there will be 7.8 million midwives, nurse specialists, RNs direct care openings, based on proand LPNS in the next 25 years,” jections from the Bureau of Labor she said. “Based on the study, Statistics (BLS),” said Nebraska there’s currently a shortage of Home Care Association Executive more than 2,400 RNs and 1,200 Director Janet Seelhoff, alluding LPNs in Nebraska.” to personal care and home health Seelhoff Seelhoff referred to home care aides, and nursing assistants. providers offering flexible work schedules “Direct care worker growth is expected to and work-life balance, attractive compenoutpace all other occupations.” sation and benefits packages, opportunities Seelhoff noted the BLS predicts 1.4 milto serve in the community, and a culture lion positions will be created due to industry

that is professional, family-friendly and fun.

She also referred to opportunities to provide real-time feedback, team collaboration (to improve quality care), and to build relationships with co-workers and patients.

“Home care providers offer mentoring, training, continuing education opportunities, ongoing communications, employee appreciation and career growth opportunities,” Seelhoff said, when asked about caregiver retention strategies.

The retention piece is of particular importance to A Place at Home CEO Dustin Distefano.

“I don’t think finding [caregivers] is a challenge, but retaining them is a challenge,” he said.

He indicated part of the problem is fluctuating hours; for instance, they have a client Continued on next page.

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• OCTOBER 25, 2019 • Midlands Business Journal • Home Health Care

Home care providers face stiff competition for caregivers

Continued from preceding page. that is served three hours a week.

“The way we combat that challenge is it all comes back to culture, and the little things that you say … and getting them involved with surveys to get their feedback,” Distefano said. “Happy caregivers provide good care. When you treat employees like a number, they’re just going to work every day. You want them to have more than a job.

You give them trainings. We have 20 different trainings through an online platform, and once a quarter we bring them into the office, and we have caregiver events.”

So, Distefano noted, when caregivers go out to seniors, they like what they do and provide quality care.

In addition to caregiver burnout, he referenced the competing jobs outside of the industry where, for a similar wage, they might work in a far less intense environment.

“They’ve got to care and love what they do,” he said.

On the front-end, Distefano weeds out candidates whose first question is: “How

much do you pay?” But, if they took care of Beadle said, a reference to the Institute’s a mother or a similar situation, he indicated Valuing the Invaluable report. “Caregiving there is a good chance that the caregiver is for older adults with chronic conditions can in it for the longer haul. be an extremely stressful experience, both As the senior population physically and emotionally; howgrows, all agencies are also fightever, it is important to note that ing over the same job pool, he caregiving is also a very rewardnoted, adding some agencies are ing and meaningful experience instituting 20-hour minimums for for many people.” their caregiver services.

Research in Beadle’s Aging Citing United Nations, NaBrain and Emotion Lab in the tional Alliance for Caregiving, Department of Gerontology inand AARP Public Policy Institute vestigates potential mechanisms statistics from 2015, Assistant for caregiver stress, burnout, Professor, Gerontology Janelle and compassion fatigue in both Beadle, Ph.D., of the University informal (unpaid) caregivers and Distefano of Nebraska at Omaha noted by formal (paid) caregivers.

2030 the worldwide population of 60-plus “I am currently funded by a grant from adults will reach 1.4 billion, and, stateside, the National Institute of General Mediaround 34.2 million people provide unpaid cal Sciences, which was awarded by the care to adults aged 50 and older.

University of Nebraska Medical Center,” “This has serious economic implications Beadle said. “This grant project examines because informal caregivers provide care how caregiving affects emotions, hormones, that amounts to approximately $470 billion and brain health. The ultimate goal of my in unreimbursed health care services,” research is to identify specific factors that can be used to develop targeted interventions

to improve caregiver health and well-being.”

Seelhoff said there are 3,000-plus home health employees in Nebraska, and 4,500plus jobs created by home health.

“Nebraska has more than 70 Medicare/ Medicaid-certified and -licensed home health agencies,” she said. “On average, home health services are one-tenth the cost of institutional care. When asked about their health care options, most Americans prefer to remain in the comfort and safety of their homes. Home care providers allow them to do that through a variety of services and support.”

Seelhoff said telemonitoring technology is a growing opportunity that allows home care providers to monitor patients’ vital signs including heart rate, blood pressure and oxygen saturation levels.

“It also helps prevent hospital readmissions as patients are contacted when signs of changes in their health conditions are identified,” she said. “Telehealth and remote monitoring programs also promote wellness, disease management and education for patients.”

Seniors stay safe, live at home longer with wearable technology

by Dwain Hebda

Wearable alert systems are allowing older Americans to remain in their homes longer and safer than ever before. And with the newest advancements in this technology, seniors aren’t limited to their physical property, either.

“The two biggest changes have been, first, the move from landline-based systems to cellular options,” said Susan Wickey, owner of Premiere Alert Systems. “And then, cellular options that were in the home are now mobile medical alarms that can go wherever an older adult can go, as long as there is cellular coverage.”

The basics of such systems haven’t changed much. A senior wears a device around the neck or wrist and in the event of a fall or other emergency, presses a button triggering a base unit that calls a 24-hour monitoring center. A live person answers and, based on the situation, notifies a family member, neighbor or paramedics.

What has changed is the design of some systems that allow for greater freedom.

“The newest technology are mobile medical alarms for those people who are active and want to have that protection outside of the home, at the grocery store, beauty shop or out in the park walking the dog,” Wickey said. “With those systems, the base unit that used to sit in your home is all in the button; it has a speaker and microphone in it and when you push that button it sends a signal to the monitoring center.”

Paula Smith, administrator with Physicians Choice Home Health Care, not only sees more clients wearing these devices, she recently bought one for her own mother. She said the features provide peace of mind to family members as well as the senior.

“There’s technology with some systems that permit family members to track and monitor where their loved one is,” she said.

“It’s not necessarily someone who wanders

off, but maybe you just can’t reach them and you’re concerned about them. You can look them up and see where they might be.

“I actually use that feature with my mother. She’s really active and so if I can’t reach her, I know that I have that peace of mind that I can look it up and see where she is and if that’s a reasonable place for her to be.”

Smith also said having the two-way communication is welcome technology even outside of a medical event.

“It doesn’t have to be that they’ve fallen; it can be that there’s something else that they’re concerned about,” she said. “If you are walking out from a restaurant at night and you’re concerned that there’s somebody out in the parking lot, you can just call and they’ll talk to you until you get to the car.”

Organizations use medical device technology to monitor health situations remotely. Amanda Holst, director of certified home care with the Visiting Nurse Association, said these tools have become increasingly sophisticated.

“Some medical providers, such as VNA, utilize remote patient monitoring technology to gather patient-generated health data that is transmitted and monitored by a nurse,” she said. “The use of RPM allows individuals to manage their health at home such as pulse rate, respiration rate and blood pressure, oxygenation levels and weight.

A patient’s health data can be shared with medical professionals who oversee a patient’s care.”

In the future, Holt said, such systems will likely be mandatory for companies serving the home health care market to remain competitive.

“As utilization of technology continues to grow, positively impacting patient outcomes, efficiencies, and reducing overall health care costs, there is a potential for increased reimbursement for companies who utilize technology in patient care,” she said.

Home Health Care •

Midlands Business Journal • OCTOBER 25, 2019 •

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• OCTOBER 25, 2019 • Midlands Business Journal

In the Spotlight Paid Content

ENGINEERING

ENGINEERING

NONPROFIT

ENGINEERING & ARCHITECTURE

Promoted

Promoted

Selected

Selected

Raeanna Doyle

Brett Priebe

Donna Dostal

Steve Ingracia

Geotechnical Engineering Department Manager

Design Department Manager

President and CEO

Chief Operating Officer

Pottawattamie County Community Foundation

JEO Consulting Group

Thiele Geotech, Inc.

Raeanna Doyle, P.E. has been promoted to the Geotechnical Engineering Department Manager. Ms. Doyle has been with the firm for 6 years. She graduated from University of Nebraska Omaha with a BS in Civil Engineering in 2013 and received her MS in Civil Engineering in 2015. She is a graduate of the ACEC Emerging Leaders class of 2019.

Thiele Geotech, Inc.

Brett Priebe, P.E. has been promoted to the Design Department Manager. Mr. Priebe has been with the firm for over 2 years. He graduated from the University of Nebraska Lincoln with a BS in Civil Engineering in 2013. He is currently is a member of ASCE and NSPE.

Donna Dostal was selected as a member of the 2019-20 class of Leadership Iowa, the premier issues-awareness program of the Iowa Association of Business and Industry (ABI) Foundation.

Recognized as one of 40 emerging leaders throughout the state of Iowa, Dostal will attend the eight-monthlong program that is designed to foster a passion for civic and statewide engagement.

CIVIL ENGINEERING

CIVIL ENGINEERING

NONPROFIT

Hired

Hired

Hired

Derek Rockey

Nick Clifford

Susan Jael Medina

Land Surveying

Civil Engineering Designer

Director of Development

E&A Consulting

E&A Consulting

Derek Rockey joined E&A’s land surveying team this June, and is working out of the Omaha office. He recently graduated from Southeast Community College in Milford, NE, where he earned an Associate’s Degree in Land Surveying/GIS/Civil Engineering.

Derek’s past experience includes work in customer services and sales. He has enjoyed getting the opportunity to start applying his education in the field.

Nick Clifford joined E&A’s civil engineering team as a designer in July. He recently graduated from the University of Nebraska at Omaha with a Bachelor’s Degree in Civil Engineering. During the last two years, Nick has been working as an intern for a local engineering firm gaining experience in using AutoCAD and HEC-RAS software.

His past experience includes working as an EMT in an emergency room setting.

CIVIL ENGINEERING

CIVIL ENGINEERING

Hired

Hired

Nancy Mills

Ed Krenk

Civil Engineering Technician

Civil Engineering Technician

E&A Consulting

E&A Consulting

Nancy Mills joined E&A’s civil engineering team as an engineering technician late this August, and is working in the Omaha office. Nancy has more than 20 years of experience working in AutoCAD that came from various industries.

She earned her Associate’s Degree in Architectural Drafting from Southeast Community College.

Ed Krenk joined E&A’s civil engineering team as an engineering technician in early August. Ed brings over 18 years of civil engineering technical work, and nine years of construction observation to our Omaha office. He has had experience working on both civil site design and SID projects. Ed holds an Associate’s Degree in Architectural Drafting from Southeast Community College.

Nebraska Lutheran Outdoor Ministries

Nebraska Lutheran Outdoor Ministries (NLOM) welcomes Susan Jael Medina as Director of Development. She comes to NLOM with almost 20 years of fundraising experience for organizations in both Nebraska and California. Susan cherishes the relationships she gets to build as she helps others make a difference for youth in their community and see the impact their gifts are making to nurture leadership for service in the church and world.

Nebraska Lutheran Outdoor Ministries (NLOM) provides camp, conference, retreat, and leadership development programs. Formed in 1975 as part of the Nebraska Synod, Evangelical Lutheran Church in America, NLOM is based in Ashland, with a second camp, conference and retreat location, Sullivan Hills Camp, near Lodgepole.

NLOM offers spiritual, social, personal, and professional development in a safe, intentional community set apart from everyday life. For more information, visit NLOM.org.

JEO Consulting Group, a Nebraskabased engineering, architecture, and surveying firm, has named Steve Ingracia as Chief Operating Officer.

As a licensed electrical and control systems engineer, Ingracia has an extensive history in the A/E industry and across the Midwest. His diverse experiences span the public and private sectors, and include work in intelligent transportation systems, water and wastewater treatment, telecommunications, IT, and software development. His true passion lies in the intersection of technology and infrastructure.

“Steve has a unique perspective of our industry that paired with his forward-thinking infrastructure solutions will help us better and more sustainably address the needs of the communities we serve,” says Rob Brigham, President and Chief Executive Officer of JEO. Ingracia will officially assume the COO role on October 28 and will be responsible for leading business operations of the company. He will also spearhead JEO’s innovation and technological initiatives. “What drew me to JEO was its people. JEO’s employees are energized, committed to the success of their clients, and open to ideas,” says Ingracia. “I see tremendous opportunity to integrate innovation and technology into our services, which will ultimately benefit the communities JEO serves.” Prior to joining JEO, Ingracia was the Deputy Director of Technology and Strategic Planning for the Nebraska Department of Transportation (NDOT), where he worked to better integrate technology into the agency’s projects and processes.

Submit your company’s employee announcements to

Spotlight@mbj.com

Midlands Business Journal • OCTOBER 25, 2019 •

27

In the Spotlight Paid Content

REAL ESTATE ENGINEERING

ENGINEERING

Hired

Hired

Hired

Zac Leith Strategic Analyst

Kim Copenhaver

Andrew Miller

Metonic Real Estate Solutions

Senior Geotechnical Engineer

Senior Geotechnical Engineer

Terracon

Terracon

Zac Leith has joined Metonic Real Estate Solutions as the company’s Strategic Analyst in the Investor Relations department. Zac will be assisting with all aspects of analyzing the Metonic investment portfolio and evaluating the highest and best use for each asset.

He will also assist with the company’s market research, financial modeling, systems and data management, and various special projects. Prior to joining Metonic, Zac worked for a regional bank where he focused on executing debt transactions for real estate assets across the Midwest.

He earned his Bachelor of Business Administration in Finance from The University of Iowa.

EMPLOYEE BENEFITS Hired

Mike Varona Account Executive The Olson Group

Mike Varona has been a part of the financial service industry since 2010. He holds licenses for Life, Health, and Annuities. Over the past two years, Varona worked with physicians on Contract Reviews, and Life and Disability coverage. During that time, Mike wrote over $100 million worth of Life and Disability coverage.

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Terracon has hired Kim Copenhaver as a senior environmental scientist in its Omaha, Neb. office. She leads the office’s Natural and Cultural Resources team, and specializes in wetlands and waterways and the environmental regulations surrounding them. “I am so happy to be working in the Great Plains Region with a great team of scientists and engineers. The company truly supports its people and takes great pride in the quality of its services. I’m taking advantage of every opportunity to mentor the younger members of our environmental group and build bridges across services lines. It’s the beginning of a great journey for this chapter in my life and my career, and I’m excited to have Terracon with me.” Copenhaver said.

Copenhaver has more than 25 years of experience as an environmental scientist and regulatory specialist. She earned her bachelor of science in environmental biology from the State University of New York and has led thousands of development projects through the environmental regulatory process and into construction. Terracon is an employee-owned engineering consulting firm providing environmental, facilities, geotechnical, and materials services from more than 150 offices in all 50 states.

EMPLOYEE BENEFITS Hired

Julie Kohanek Senior Acocount Executive The Olson Group

Julie Kohanek brings more than 35 years of diverse experience to the Omaha based employee-consulting firm. She spent the past six years as Regional Sales Director for an independent third-party administrator focused on employer-sponsored self-funded medical and dental plans. Julie also has extensive experience managing Health, Dental, Life, and Disability coverage. She is licensed in Life, Health, and Property/ Casualty.

Terracon, a nationally known and respected consulting engineering firm, has hired Andrew Miller, P.E., as a senior geotechnical engineer in its Omaha, Neb. office. “I am happy to be working for an industry-leading and innovative company. Terracon truly cares about its employees and provides the supportive environment I need to

continue developing as a professional engineer,” said Miller. “I am embracing the opportunity to work alongside my colleagues on so many meaningful projects that are happening in our community.” Miller has eight years of experience as a geotechnical engineer working in the Midwest. He earned his bachelor of science in civil engineering from the University of NebraskaLincoln, and his master of science in civil engineering from Kansas State University.

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• OCTOBER 25, 2019 • Midlands Business Journal