Busines Resource Guide 2009 / Financial & Legal Services
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NORTHBAY BUSINESS RESOURCE GUIDE2009 N A P A
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This unique annual publication is the definitive guide for business in the North Bay. The North Bay Business Resource Guide is an in-depth reference guide for small- and medium-sized businesses; including tools they can use, how-to editorials, and listings of 2,500 financial service and legal companies doing business in the North Bay. Plus, all this information will be available FREE online at northbaybiz.com. So whether you prefer the convenience of having a hard copy of the North Bay Businesss Resource Guide on top of your desk or on your computer’s desktop, this invaluable information will always be at your fingertips and the fingertips of your top customers and best prospects. Some of the Business Resource Guide’s unique features include: • Organized by industry in each county • Know Your Biz editorials • Biz Tool sponsorships Reach your target customers with this unique guide that gives business executives easy-to-use, up-to-date business information gathered in one place. Multi-tiered distribution model: • Delivered through the mail to more than 60,000 readers and North Bay business decision-makers • Chambers of Commerce, Convention and Tourism bureaus, bookstores, airports • Bonus distribution to over 2,500 businesses listed in the Guide • Available over the Internet With a shelf life of longer than a year, this publication connects industry expertise with business needs.
Norman Rosinski, Publisher
Covering local business isn’t just something we do … IT’S ALL WE DO! North Bay Business Resource Guide 2009
NorthBaybiz
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Think of the
Fountaingrove Inn
For Your Special Events & Meetings
7,900 square feet of indoor and outdoor
meeting and event space accommodating parties from 10 to 250 guests
Custom menus created by Equus Executive Chef Jeff Reilly
Dedicated event planner and experienced service staff providing an exceptional meeting or event experience
101 FOUNTAINGROVE PARKWAY SANTA ROSA, CA 95403
707.578.6101 www.FountainGroveInn.com
TABLE OF CONTENTS Publisher’s Note . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Biz Tool How to Plan the Perfect Meeting . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Know Your Biz Are You Making a Profit? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 Know Your Biz Finding Small Business Accountants to Strengthen Your Company . . . . 16 Know Your Biz The Benefits of Making Your Banker Your Friend . . . . . . . . . . . . . . . . 23 Biz Tool How to Reduce Your Telecom Bills . . . . . . . . . . . . . . . . . . . . . . . . . 27 Know Your Biz What to Expect From Your Wealth Adviser . . . . . . . . . . . . . . . . . . . . . 35 Biz Tool Dynasty Trusts: Passing Wealth Down the Generations . . . . . . . . . . . 39 Biz Tool Finding Your Way Through the Health Insurance Maze . . . . . . . . . . . . 45 Know Your Biz Choosing the Right Business Insurance Agent and Insurance . . . . . . . 49 Biz Tool A Winning Attitude . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53 Know Your Biz Insuring Your Business Against a Catastrophe . . . . . . . . . . . . . . . . . 55 Know Your Biz Sample Credit Application for a Business Account . . . . . . . . . . . . . . 57 Biz Tool Considerations for Employers When Downsizing . . . . . . . . . . . . . . . . 61 Know Your Biz Understanding Legal Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 69 Biz Tool Avoiding Legal Disputes in Residential Construction Projects . . . . . . . 75 Know Your Biz Sample Commercial Lease Agreement . . . . . . . . . . . . . . . . . . . . . . 77 Know Your Biz Print Advertising Works . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 81 Know Your Biz In the Beginning: Let There Be Money . . . . . . . . . . . . . . . . . . . . . . 82
Financial & Legal Services Listings ACCOUNTING Marin County Bookkeeping . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 CPA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 General . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Payroll . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Napa County Bookkeeping . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . CPA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . General . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Payroll . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
12 12 13 13 13
Sonoma County Bookkeeping . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 CPA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 General . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Payroll . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 North Bay Business Resource Guide 2009
BANKS/SAVINGS AND LOANS Marin County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 Napa County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 Sonoma County . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
CREDIT UNIONS . . . . . . . . . . . . . . . . . . . . . . . 30 INVESTMENTS Marin County Estate & Financial Planning . . . . . . . . . . . . . . . . . . . 31 Wealth Management . . . . . . . . . . . . . . . . . . . . . . . . 31 Napa County Estate & Financial Planning . . . . . . . . . . . . . . . . . . . 33 Wealth Management . . . . . . . . . . . . . . . . . . . . . . . . 33 Sonoma County Estate & Financial Planning . . . . . . . . . . . . . . . . . . . 33 Wealth Management . . . . . . . . . . . . . . . . . . . . . . . . 34
INSURANCE SERVICES Marin County General . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40 Life/Health/Auto . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42 Title Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43 Napa County General . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43 Life/Health/Auto . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47 Title Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47 Sonoma County General . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47 Life/Health/Auto . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50 Title Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54
FINANCIAL SERVICES Marin County Commercial Mortgage Lenders/Brokers . . . . . . . 56 Napa County Commercial Mortgage Lenders/Brokers . . . . . . . 56 Sonoma County Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56 Commercial Mortgage Lenders/Brokers . . . . . . . 56
LEGAL SERVICES Marin County Attorneys . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58 Law Firms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 66 Mediation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 67 Support Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . 67 Napa County Attorneys . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 67 Law Firms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 68 Support Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . 68 Sonoma County Attorneys . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 68 Law Firms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 78 Mediation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 79 Support Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . 79 NorthBaybiz
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Brasserie Restaurant and Lounge WOW!! The newly remodeled Brasserie Restaurant and Lounge is stunning. The Brasserie Restaurant and Lounge, located in front of the Hyatt Vineyard Creek Hotel and Spa, in Santa Rosa on 3rd Street, has just completed a makeover that is perfect in every way. RESTAURANT: • Addition of a beautiful show kitchen with counter seating • All new décor • New smoke-infused grill for creative taste using less oil (eat healthy) • All new menu featuring the exciting regional creations of Executive Chef Richard Whipple (previously of Domaine Chandon and Deuce) • Expanded wine list to meet the taste and needs of everyone, with personalized recommendations by the trained service team • Open for Breakfast – Lunch – Dinner LOUNGE: • Addition of a beautiful outdoor patio that features a stone fireplace, heaters for nights under the stars, and comfortable teak furnishings.
Rediscover a Sonoma County favorite for yourself and see what all of the excitement is about. For Reservations Call: 707.636.7388
BRASSERIE RESTAURANT AND LOUNGE 170 RAILROAD STREET
| SANTA ROSA 95401
(By Hyatt and Historic Railroad Square)
Sponsored by Hyatt Vineyard Creek Hotel and Spa
How to Plan the Perfect Meeting By Gary Collins There are many steps required when planning a meeting, especially one that will take place away from the home office. Here’s what to consider to ensure things run as smoothly as possible.
Who are the attendees and how many? Know your audience! Are these individuals who’ve attended other meetings, or are they first-timers who don’t know what to expect? Knowing how many will attend helps you establish several things. First, how large the meeting room needs to be. Hotels gauge meeting room rental cost on numerous factors, such as contracted food and beverages, size of room required and contracted guest rooms. Second, proper room set-up to ensure the message is properly received (conference and ushape for interaction or classroom for presentation). Third, audio-visual needs vary, especially for large meetings of more than 50 people (always put yourself in the back of the room and then decide what audio/visual you need to assure a person sitting there can see and hear clearly). Also consider if you want a room with direct outside access and natural light or an internal meeting room.
Are attendees local or flying in? If attendees are arriving from a distance of greater than a twohour drive, you may want to consider holding a group room block at a nearby hotel. This will assure rested and attentive individuals during the meeting vs. people who are tired and stressed from driving. The same rule applies for flying into a destination for a meeting. Think of the “total time spent” to attend the meeting, not just the time “at” the meeting.
Schedule the agenda by the hour and day. Plan the agenda with a small time buffer, especially around lunch. If starting early, always have something to eat and drink (continental breakfast as a minimum). Offer a mid-morning, 15minute break, then at least an hour for lunch so attendees have time to actually relax. The ideal lunch scenario is to hold it in a different venue to escape the room they’ve been in all morning. If you can get outside to the fresh air, all the better. Schedule an afternoon break around 3 p.m. that includes some sweets and sodas to keep them awake and attentive for the next two hours (cookies, sodas, coffee, whole fruit and ice cream are all popular choices). If using multiple rooms (breakouts), allow time to walk between the rooms. Whenever possible, schedule the room changes to coincide with the breaks. North Bay Business Resource Guide 2009
What am I trying to accomplish by the end of the meeting? Have a clear and measurable goal to achieve for the meeting attendees. Example of goals are: Sharing of information that impacts the company and its employees; review and strategize on financial plans, marketing initiatives and how they’ll generate a return on investment; or a pep talk to motivate the troops. It’s always a good idea to incorporate some form of attendee feedback, both during the meeting and after, to assure the message is being received. How many times have you attended a meeting where the next day many of the attendees didn’t have a clue what its purpose was? Create a simple questionnaire form that takes less than five minutes to complete and is turned in at the end of each session (names optional); that will tell you if you’re on track.
What materials do I need to have for presentations and for the attendees? A good rule of thumb is that you’ll need to use an audio system when speaking to a group of more than 50 people. If the speaker will be moving around at the front of the meeting, a wireless lavalieres is preferred. If standing in one location, a podium is preferred so everyone can see the speaker, and he or she has a place to put materials, a water glass and has something to rest against if needed. Most presentations are now done via laptop and LCD projector onto a screen (usually six to 10-feet wide depending on size of group). This form of presentation can be creative, visual and stimulating with the addition of sound, much better than the boring overhead projector presentation of yesteryear. Make sure you have plenty of handout materials that summarize your presentation, ideally in short, bullet point format, so attendees have something to take away with them and review at a later time. The facility should furnish tables, chairs, linen, water and glasses at no additional charge. ■
Gary Collins is director of sales and marketing at Hyatt Vineyard Creek Hotel and Spa. NorthBaybiz
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ACCOUNTING MARIN ■ BOOKKEEPING A Counting House 2173 E. Francisco Blvd. San Rafael CA 94901 (415) 456-2920 A Perfect Balance Bookkeeping Service 37 Meadow Ave. San Rafael CA 94901 (415) 459-2190
Hatch Business Solutions 412 Red Hill Ave. San Anselmo CA 94960 (415) 257-2665 Jensen Bookkeeping Service 936-B Seventh St., Ste. 216 Novato CA 94945 (415) 892-7972 John Angel 855 Tamarack Dr. San Rafael CA 94903 (415) 472-6393
Act Bookkeeping Services P.O. Box 2802 Sausalito CA 94966 (415) 350-0944 www.anneteller.com
Julia Coltharp Business Services P.O. Box 6638 San Rafael CA 94903 (415) 479-1010
Bay Area Tax & Accounting Services, Inc. 505-A San Marin Dr., Ste. 280 Novato CA 94945 (415) 892-1400
Marin Bookkeeping Service 1005 Bel Marin Keys Blvd. Novato CA 94949 (415) 883-0733
Bottom Line 491 Molino Ave. Mill Valley CA 94941 (415) 388-8686 www.tblconsultant.com
MCG Bookkeeping 154-B Granada Dr. Corte Madera CA 94925 (415) 497-7320
Business Cents 47 Manor View Fairfax CA 94930 (415) 785-4095
Munoz-McCue Financial Services 2144 Fourth St. San Rafael CA 94901 (415) 259-2700 www.munoz-mccue.com
Cathryn Irving Business Services 11201 State Rte. 1 Point Reyes Station CA 94956 (415) 663-9084
Numbers Plus Tax & Bookkeeping Service 523 Fourth St. San Rafael CA 94901 (415) 456-1695
Claire Slade Bookkeeping & Acct. Services 133 Humboldt Ave. San Anselmo CA 94960 (415) 482-8361
Partners For Success 5213 El Mercado Pkwy. Santa Rosa CA 94901 (707) 584-7707
Contractor Manager 2 Fifer Ave., Ste. 130 Corte Madera CA 94925 (415) 924-9031 www.contractormanager.com Deborah Benson Accounting Services 508 San Anselmo Ave. San Anselmo CA 94960 (415) 456-0451 Erica Young Bookkeeping Training 412 D St., Ste. B San Rafael CA 94901 (415) 459-8056 Ford-Smith Accountancy 68 Mitchell Blvd., Ste. 115 San Rafael CA 94903 (415) 499-5140 www.fsamarin.com Ghiringhelli Enterprises 636 Fourth St. San Rafael CA 94901 (415) 706-1390
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Precision Bookkeeping 999 Fifth Ave., Ste. 240 San Rafael CA 94901 (415) 482-8448 SDO Financial Services 126 Alto St. San Rafael CA 94901 (415) 336-9512 Smorra Bookkeeping 24 Jordan Ave. San Anselmo CA 94960 (415) 454-5019 Terry Wagner Bookkeeping Services 863 Grant Ave., Ste. B Novato CA 94945 (415) 613-8593 Verified Audit Circulation 900 Larkspur Landing Cir. Larkspur CA 94939 (415) 461-6006
■ CPA
Centaur Financial Svc. 200 Professional Center Dr. Novato CA 94945 (415) 897-3355
Allen & Co., CPA 711 Grand Ave. San Rafael CA 94901 (415) 482-9700
Cho F. Chan, Inc. 655 Redwood Hwy. Mill Valley CA 94941 (415) 381-0681
Anthony Pignati, CPA 818 Fifth Ave. San Rafael CA 94901 (415) 485-0130
Claude J. Bishop, CPA, Inc. 201 Tamal Vista Blvd. Corte Madera CA 94925 (415) 924-6576
Antoinette Nies, CPA 61 Prince Royal Dr. Corte Madera CA 94925 (415) 927-9475
Craig Rolling, CPA 250 Bel Marin Keys Blvd., Ste. 3 Novato CA 94949 (415) 883-7780
Begg J.R. 925 Sir Francis Drake Blvd. Kentfield CA 94904 (415) 453-2344
Dan J. Jordan, CPA 94 Nelson Ave. Mill Valley CA 94941 (415) 381-3344 www.jordancpa.com
Benson, Piombo & Co. 300 Tamal Plz., Ste. 180 Corte Madera CA 94925 (415) 924-2292 www.bbensoncpa.com Boerio and Company, CPAs 353 Bel Marin Keys Blvd., Ste. 1 Novato CA 94949 (415) 883-3700 www.boerio.com Bregante + Co. 330 Ignacio Blvd., Ste. 201 Novato CA 94949 (415) 883-4262 www.bcocpa.com
David M. Simpson, CPA 475 Gate 5 Rd., Ste. 214 Sausalito CA 94965 (415) 332-4750 www.simpsoncpa.com Denning & Co. 851 Irwin St., Ste. 202 San Rafael CA 94901 (415) 457-4284 Dennis Schroeder, CPA 1510 Grant Ave., Ste. 205 Novato CA 94945 (415) 892-5661
Bunker & Co. 4340 Redwood Hwy., Ste. 117 San Rafael CA 94903 (415) 499-7661 bunkerandcompany.com
Derryck J. Dias & Associates, CPA, Inc. 280 Miller Creek Rd. San Rafael CA 94903 (415) 499-1904
Burr Pilger Mayer 5 Hamilton Landing, Ste. 120 Novato CA 94949 (415) 842-3100 www.bpmllp.com
Dwight W. Parcell, CPA 70 Mitchell Blvd. San Rafael CA 94903 (415) 472-4829
C.J. Spady, CPA 180 Harbor Dr. Sausalito CA 94965 (415) 331-9900
Eckhoff Accountacy Corp. 145 N. Redwood Dr. San Rafael CA 94903 (415) 499-9400 www.cpas.com
Caccamo, CPA 68 Mitchell Blvd. San Rafael CA 94903 (415) 472-2302
Edward C. Challberg, CPA 175 N. Redwood Dr. San Rafael CA 94903 (415) 491-1322
Call & Metcalfe, CPAs 7100 Redwood Blvd., Ste. 100 Novato CA 94945 (415) 892-9001
Elsener & Elsener 3 Harbor Dr., Ste. 300 Sausalito CA 94965 (415) 331-0201
Cameron & Rolling, LLP, CPA 250 Bel Marin Keys Blvd., Ste. F-3 Novato CA 94949 (415) 883-7780
Erwin Andrews, CPA 321 San Anselmo Ave. San Anselmo CA 94960 (415) 454-3753
North Bay Business Resource Guide 2009
ACCOUNTING Fleischmann & Wada, Inc. 1 Harbor Dr. Sausalito CA 94965 (415) 332-0220
Jacqueline Amrikhas, CPA 180 Harbor Dr. Sausalito CA 94965 (415) 331-2137
Frank Mulberg, CPA 655 Redwood Hwy. Mill Valley CA 94941 (415) 388-0605
James H. Moseley, CPA 131 Camino Alto, Ste. A Mill Valley CA 94941 (415) 388-7457
Friedlander Cherwon Capper 1101 Fifth Ave., Ste. 350 San Rafael CA 94901 (415) 456-5500 www.fcccpas.com
James Whitman, CPA 994 Greenhill Rd. Mill Valley CA 94941 (415) 388-7612
Gallina, LLP 100 Professional Center Dr., Ste. 114 Novato CA 94947 (415) 892-7759
Ghirardo, CPA 7200 Redwood Blvd., Ste. 403 Novato CA 94945 (415) 897-5678 www.ghirardocpa.com
Gigliotti, CPA 1525 Grant Ave., Ste. 150 Novato CA 94945 (415) 898-4480 Glenn S. Koorhan, CPA 912 Lootens Pl. San Rafael CA 94901 (415) 457-0800 Goodman Accountancy Corp. 1363 Lincoln Ave. San Rafael CA 94901 (415) 459-1040 www.goodman-tax.biz Hines & Jones, CPA 1701 Novato Blvd. Novato CA 94947 (415) 897-2882 Holden & Company, CPAs 68 Mitchell Blvd. San Rafael CA 94903 (415) 472-4225 Howard F. Rice 3020 Kerner Blvd. San Rafael CA 94901 (415) 457-4004 Howard H. Brownstein, CPA 1299 Fourth St. San Rafael CA 94901 (415) 456-5800 Jack L. Vogensen, CPA 14 Commercial Blvd. Novato CA 94949 (415) 883-2500
Joan B. Levin, CPA 1120 Nye St. San Rafael CA 94901 (415) 456-8700 John C. Blecka, CPA 700 Larkspur Landing Cir., Ste. 199 Larkspur CA 94939 (415) 464-4818 www.bleckacpa.com John G. Dupar, CPA 1101 Fifth Ave. San Rafael CA 94901 (415) 454-7353
Jones Schiller & Company, LLP Tom Smith 100 Drakes Landing Rd. Greenbrae CA 94904 (415) 771-5335 Jorstad Incorporated 1000 Fourth St., Ste. 375 San Rafael CA 94901 (415) 459-6622 www.jorstad.com Karen E. Lynn 85 Bolinas Rd., Ste. 15 Fairfax CA 94930 (415) 459-8972 Kenneth P. Silverstone 925 Sir Francis Drake Blvd. Kentfield CA 94903 (415) 457-5566 Larry D. Hallum, CPA 1101 Fifth Ave. San Rafael CA 94901 (415) 456-7400 Lawrence J. Lococo & Co. 100 Larkspur Landing Cir., Ste. 218 Larkspur CA 94939 (415) 464-0600 Leighton & Bonovich 4340 Redwood Hwy., Ste. 133 San Rafael CA 94903 (415) 479-6600 Leslie A. Wiener Financial Services 1 Gate 6 Rd., Ste. E Sausalito CA 94965 (415) 331-3266
North Bay Business Resource Guide 2009
Levy & Powers, Inc., CPAs 4040 Civic Center Dr., Ste. 200 San Rafael CA 94903 (415) 451-8191 www.levypowerscpas.com
Paula Helene Beard Tax Practice 300 Drakes Landing Rd., Ste. 155 Greenbrae CA 94904 (415) 461-7007 www.phelene.com
Magid Accountancy Corp., APC 83 Hamilton Dr., Ste. 200 Novato CA 94949 (415) 883-9300
Paula Marie Bruce, CPA Inc. 22 Princess St., Ste. C Sausalito CA 94965 (415) 332-6577
Maher Accountancy 1101 Fifth Ave., Ste. 200 San Rafael CA 94901 (415) 459-1249 www.mahercpa.com
Pensionalysis Incorporated 522 San Anselmo Ave. San Anselmo CA 94960 (415) 459-0504 www.pensionalysis.com
Mallory & Co. 58 Madrone Ave. Larkspur CA 94939 (415) 924-2411
Permar & Co. 754 Sir Francis Drake Blvd., Ste. 4 San Anselmo CA 94960 (415) 459-2840 www.permarandco.com
Manning & Carroll 169 Miller Ave. Sausalito CA 94965 (415) 388-1980 Marlea D. Taylor, CPA 68 Mitchell Blvd., Ste. 115 San Rafael CA 94903 (415) 479-7931 Martine Crowther, CPA 7200 Redwood Blvd., Ste. 403 Novato CA 94945 (415) 892-3800 Max Malekian, CPA 1100 Larkspur Landing Cir., Ste. 112 Larkspur CA 94939 (415) 461-8688 McLoughlin, Briese & Co., LLP 900 Larkspur Landing Cir., Ste. 230 Larkspur CA 94939 (415) 461-8866 www.mcbco.com Michael W. Whipple, CPA 930 Irwin St., Ste. 209 San Rafael CA 94901 (415) 459-6966 www.whipplecpa.com Notti & Co. 10 G St. San Rafael CA 94901 (415) 256-8301 www.notticpa.com Parkinson Accounting Systems 24 Professional Center Pkwy. San Rafael CA 94903 (415) 499-9959 Paul A. Chasnoff, CPA 508 San Anselmo Ave. San Anselmo CA 94960 (415) 456-7783 Paul G. Hendriks, CPA 1050 Northgate Dr. San Rafael CA 94903 (415) 492-8933
Perotti & Carrade, CPAs 1100 Larkspur Landing Cir., Ste. 358 Larkspur CA 94939 (415) 461-8500 www.pc-cpas.com Peter D. Smith, CPA 7100 Redwood Blvd., Ste. 200 Novato CA 94945 (415) 898-3130 R.J. Ricciardi, Inc. 1000 Fourth St., Ste. 400 San Rafael CA 94901 (415) 457-1215 www.rjrcpa.com Randolph E. Scott & Co. 1 Commercial Blvd. Novato CA 94949 (415) 883-8090 www.rscocpas.com Richard A. (Ric) Schneider, CPA 30 Professional Center Pkwy., Ste. B San Rafael CA 94903 (415) 507-1747 Richard H. Carter, CPA 300 Tamal Plz. Corte Madera CA 94925 (415) 924-5525 Robert Brownstein, CPA 300 Valley St., Ste. 202 Sausalito CA 94965 (415) 332-7882 www.robertbrownsteincpa.com Robert D. Edwards, CPA 30 Professional Center Pkwy. San Rafael CA 94903 (415) 491-1099 www.redwardscpa.com Robert L. Sewall, CPA 1122 Grant Ave. Novato CA 94945 (415) 897-0733
NorthBaybiz
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ACCOUNTING Ruby Rubin, CPA 27 Hector Ln. Novato CA 94949 (415) 883-2228
Stoneking CPA & Mediation Services P.O. Box 1151 Sausalito CA 94966 (415) 332-3064
Donna Boyd Resources 104 Yosemite Rd. San Rafael CA 94903 (415) 453-3383
Bookingtax 11 Longwood Dr. San Rafael CA 94901 (415) 453-4449
Russell J. Bertuccelli, CPA 4040 Civic Center Dr. San Rafael CA 94901 (415) 472-0940
The Finance Office 205 Camino Alto, Ste. 150 Mill Valley CA 94941 (415) 332-9798
Egan Business Services 1 Dogwood Ct. Novato CA 94947 (415) 898-8527
Sandra Madison Reinhardt, CPA 1299 Fourth St., Ste. 302 San Rafael CA 94901 (415) 453-0207 www.smr-cpa.com
Theresa Cassidy, CPA 1050 Northgate Dr. San Rafael CA 94903 (415) 479-8722
Hull Eisenbarth & Associates, Inc. 68 Mitchell Blvd. San Rafael CA 94903 (415) 472-4200
Cameron Coffey & Kaye Professional Corp. 22 Commercial Blvd. Novato CA 94949 (415) 883-5400 www.cckcorp.com
Thomas G. Moore, CPA 1100 Larkspur Landing Cir. Larkspur CA 94939 (415) 461-7911
Irving William Bernstein & Co. 133 Blithedale Mill Valley CA 94941 (415) 389-8500 www.ibco.com
Sharon Boldt, EA 150 Shoreline Hwy. Mill Valley CA 94941 (415) 289-7418 Shea Labagh Dobberstein 333 Miller Ave., Ste. 1 Mill Valley CA 94941 (415) 389-1099 www.sldcpa.com Smith & Co., CPAs 1527 Fifth Ave. San Rafael CA 94901 (415) 458-5100 www.smithcpas.com
Smith, Lange & Phillips, LLP 999 Fifth Ave., Ste. 320 San Rafael CA 94901 (415) 243-8833 www.slpcpa.com
Stenberg, CPA 350 Ignacio Blvd., Ste. 100 Novato CA 94949 (415) 382-6622 www.sstaxcpa.com Stephen Cassidy, CPA 101 Lucas Valley Rd. San Rafael CA 94903 (415) 492-2028
Timothy Dodd, CPA 250 Bel Marin Keys Blvd., Ste. D4 Novato CA 94949 (415) 883-3803 Trudy Balston, CPA 30 Professional Center Pkwy., Ste. B San Rafael CA 94903 (415) 491-0777 Uboldi, Henke & Velladao, CPAs 21 Tamal Vista Blvd., Ste. 204 Corte Madera CA 94925 (415) 927-2333 www.cpanapa.com Virgil A. Hoffman, CPA 525 Tamalpais Dr. Corte Madera CA 94925 (415) 924-6384 Vogel & McDonald 695 De Long Ave. Novato CA 94945 (415) 892-5390 Walker & Co. 750 Grant Ave., Ste. 200 Novato CA 94945 (415) 899-8500 www.walkercpa.com
Stephen J. Delahunty, CPA 1500 Grant Ave., Ste. 200 Novato CA 94945 (415) 898-5300
Wilson Markle Stuckey Hardesty Bott, LLP 101 Larkspur Landing Cir., Ste. 200 Larkspur CA 94939 (415) 925-1120 www.wmshb.com
Stephen Plocher, CPA 55 Mitchell Blvd., Ste. 20 San Rafael CA 94903 (415) 479-5888
Zeisler Zeisler & Rawson 1100 Third St. San Rafael CA 94901 (415) 451-1703
Stephen R. Kinkade, CPA 100 Palm Ave. San Rafael CA 94901 (415) 453-4132 Steven P. Miller, CPA 1000 Fourth St., Ste. 875 San Rafael CA 94901 (415) 482-9306
10 NorthBaybiz
■ GENERAL CSM&M Accountancy Corp. 899 Northgate Dr. San Rafael CA 94903 (415) 499-1883
Moneywatch P.O. Box 1545 Mill Valley CA 94942 (415) 383-1095
Charles E. Locati and Associates, Inc. 267 Miller Ave. Mill Valley CA 94941 (415) 383-5820 Churchill, CPA 1682 Novato Blvd. Novato CA 94945 (415) 898-2600 Consultax 3000 Bridgeway, Ste. 102 Sausalito CA 94965 (415) 332-8828
Nelson & Associates 18 Professional Center Pkwy. San Rafael CA 94903 (415) 479-5124 www.nelsonandassociates.com
Deep in the Art of Taxes P.O. Box 151675 San Rafael CA 94915 (415) 479-4006
Norman Capper 1101 Fifth Ave., Ste. 350 San Rafael CA 94901 (415) 456-5500
Demartini & Associates 600 Manuel T. Freitas Pkwy. San Rafael CA 94903 (415) 479-0960
Rowley Business Services 77 Mark Dr. San Rafael CA 94903 (415) 491-7770
Denton Tax Service 4040 Civic Center Dr. San Rafael CA 94903 (415) 492-2842
Stameroff Accounting 11 San Rafael Ave. San Anselmo CA 94960 (415) 459-5555
Don Shaw, CPA 1038 Redwood Hwy. Mill Valley CA 94941 (415) 381-5005
Tam Accounting Svc. 17 Portsmouth Cv. San Rafael CA 94901 (415) 456-8273
Gaidano & Associates 7 Mount Lassen Dr., Ste. C-256 San Rafael CA 94903 (415) 491-2211 Gary Fiedel Tax & Financial Services 5710 Paradise Dr. Corte Madera CA 94925 (415) 924-4241
■ TAX Abacus Tax Services 6 Knoll Ln. Mill Valley CA 94941 (415) 388-5268 Anspach Financial Group 818 Fifth Ave., Ste. 100 San Rafael CA 94901 (415) 457-5780 www.anspachfinacialgroup.com Bel Marin Tax & Bookkeeping Service P.O. Box 5325 Novato CA 94948 (415) 883-1933 www.belmarintax.com
GK Fox Taxation & Financial Services 1710 Novato Blvd. Novato CA 94947 (415) 897-7666 GME Systems 475 Gate 5 Rd., Ste. 310 Sausalito CA 94965 (415) 289-4900 Grupo Canas 610 Third St., Ste. A-4 San Rafael CA 94901 (415) 459-5214
North Bay Business Resource Guide 2009
Are You Making a Profit?
P
rofit measures success. The following includes questions and comments that can help you analyze them and determine if you have the kind of record-keeping system you need. They’re meant to point to areas where further study might be profitable.
Analysis of revenues and expenses 1. Have you chosen an appropriate period for profit determination? This is generally a 12month period. But not always January to December (depending on if the business is seasonal). 2. Have you determined your total revenues for the accounting period? What’s your gross revenue? How much of your product or service is returned or credited? What are the discounts you give to your customers and employees? What are your net sales (gross sales minus returns and rejects plus discounts)? What’s your income from other sources, such as interest on bank deposits, dividends from securities and rent on property leased to others (non-operating income)? What’s your total revenue (net sales plus non-operating income)? 3. What are your total expenses? Common ones are: Cost of goods sold (beginning inventory plus purchases minus ending inventory); wages and salaries (include what you’d pay someone else to do your job); rent; utilities (electricity, gas, telephone, water); delivery expenses; insurance; advertising and promotion; maintenance; depreciation; taxes and licenses; interest; bad debts and professional assistance (accountant, attorney and so forth). There are many other types of expenses, and each must be recorded and deducted from your revenues before you know your profit.
Financial ratios A financial ratio is an expression of the relationship between two items selected from the income statement or balance sheet. Ratio analysis helps you evaluate the weak and strong points in your financial and managerial performance. 4. What’s your current financial ratio? Your current assets divided by current debts tells if you have enough cash to pay creditors. The higher the ratio, the better. Cash, receivables, marketable securities and inventory are assets. Be realistic in valuing receivables and inventory. Current liabilities are those that must be paid in one year. 5. What’s your quick ratio? Also known as the acid-test ratio, it’s found by dividing quick assets (current assets minus inventory) by current liabilities. This test doesn’t include inventory. It tells if the business could meet its current obligations with quickly convertible assets should sales revenue suddenly cease. 6. What’s your total debt to net worth ratio? Total debt, divided by net worth, then multiplied by 100 is a measure of how a company can meet its total obligation from equity. The lower the ratio, the better the credit rating. 7. What’s your average collection period? You find this by dividing accounts receivable by daily credit sales (annual credit sales divided by 360). This shows how long it takes to get cash after making a credit sale. 8. What’s your ratio of net sales to total assets? Net sales divided by total assets measures the efficiency with which you’re using your assets. 9. What’s your operating profit to net sales ratio? Divide operating profit by net sales and multiply by 100. Don’t include interest income and interest expense. 10. What’s your net profit to total assets ratio? This ratio (divide net profit by total assets and multiply by 100) is often called return on investment (ROI). It focuses on your overall profitability. ROI is the most important measure of a firm’s financial position. 11. Do you know your net profit to net worth ratio? Divide net profit by net worth and multiply by 100. This ratio provides information on your operations resources productivity.
Sufficiency of profit The following questions are designed to help you measure profit. Several organizations publish financial ratios, including Dun & Bradstreet, the Accounting Corporation of America, Bank of America and some trade associations. Published ratios are only averages; you want to be better than average. 12. Have you compared your profit with your profit goals? 13. Are your goals too high or too low? 14. Have you compared your profits (absolute and ratios) with those made in the last one to three years? North Bay Business Resource Guide 2009
15. Have you compared your profits (absolute and ratios) with those of your competitors?
Trend of profit 16. Have you analyzed the direction of your profits? To do a trend analysis, performance indicators (absolute amounts or ratios) should be computed for several time periods (yearly for several years, for example) and the results considered side-by-side. You can then evaluate your performance, see the direction it’s taking and make forecasts. 17. Does your firm sell more than one major product line or provide several distinct services? If so, a separate profit and ratio analysis of each could show which items are most and least profitable, and which are slow- or fast-moving.
Records 18. Do you have a general journal and/or special journals, such as one for cash receipts and disbursements? 19. Do you prepare a sales report or analysis? Do you have sales goals by product, department and accounting period (month, quarter, year)? Are your goals reasonable and being met? If not, list the likely reasons. The list might include general business climate, competition, pricing, advertising, sales promotion, credit policies and the like. Once you’ve identified the apparent causes, you can take steps to increase sales (and profits).
Buying and inventory system 20. Do you have a buying and inventory system? 21. Do you keep records on the quality, service, price and promptness of delivery? 22. Have you analyzed the advantages and disadvantages of buying from several—or a minimum number of—suppliers? 23. Have you analyzed the advantages and disadvantages of buying through cooperatives or other systems? 24. Do you know how long it usually takes to receive each order? How much cushion do you need to maintain normal sales while you wait for orders to arrive? 25. Has your business ever suffered because you were out of stock? 26. Do you know the optimum order quantity for each item? 27. Do you (or can you) take advantage of quantity discounts for large-size single purchases? 28. Do you know your costs of ordering and carrying inventory? The more frequently you buy, the higher your average ordering costs (clerical costs, postage, telephone), and the lower the average carrying costs (storage, loss through pilferage, obsolescence). The larger the quantity per order, the lower the average ordering cost and the higher the carrying costs. A balance is needed to reach the minimum cost overall. 29. Do you keep records of inventory for each item? They should be kept current as items are added to or removed.
Other financial records 30. Do you have an accounts payable ledger? This ledger will show what, whom and why you owe, and will help you make your payments on schedule. 31. Do you have an accounts receivables ledger? This ledger will show who owes you money, why, how much, and how long it’s been outstanding. 32. Do you have a cash receipts journal? 33. Do you have a cash payments journal? 34. Do you prepare an income (profit and loss or P&L) statement and a balance sheet? These are statements about the condition of your firm at a specific time and show the income, expenses, assets and liabilities of the firm. They’re absolutely essential. 35. Do you prepare a budget? This “record in advance” projects future inflows and outflows. It’s usually prepared for a single year, generally to correspond with the accounting year, then broken down into quarterly and monthly projections. Once reasonable projections are made for every important product line or department, you can set targets for employees to meet for sales and expenses. You must plan to assure a profit. And you must prepare a budget to plan. ■ Source: BizMove.com; Small Business Knowledge Base Reprinted from EzineArticles.com
NorthBaybiz
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ACCOUNTING Hanson Bookkeeping & Tax Preparation 6 School St., Ste. 250 Fairfax CA 94930 (415) 454-1137 Income Tax Service 1409 Grant Ave. Novato CA 94945 (415) 897-8990 IWB & Co., CPAs 133 E. Blithedale Ave. Mill Valley CA 94941 (415) 389-8500 www.iwbco.com Janice Martino, EA 637 Lindaro St., Ste. 200 San Rafael CA 94901 (415) 485-1202 John A. Soderblom, CPA 68 Mitchell Blvd., Ste. 238 San Rafael CA 94903 (415) 492-8240 Judith Connolly Tax Return Preparation 2450 Vineyard Novato CA 94947 (415) 898-1684 Kenneth Frank Accountancy 1450 Grant Ave., Ste. 202 Novato CA 94945 (415) 892-1040 Kenneth Wetzell, CPA 591 Redwood Hwy., Ste. 2125 Mill Valley CA 94941 (415) 389-8297 Kreger & Garden 100 Tamal Plz., Ste. 106 Corte Madera CA 94925 (415) 927-2100 L S Tax Service 38 Miller Ave., Ste. 14 Mill Valley CA 94941 (415) 381-2112 M. Joseph Abel, CPA 54 Sea Way San Rafael CA 94901 (415) 456-9030 MacKenzie & Co. 7100 Redwood Blvd., Ste. 200 Novato CA 94945 (415) 898-3130 Marin Tax & Financial Services P.O. Box 826 Forest Knolls CA 94933 (415) 488-0626 Marla Eckdahl Tax Preparation 155 N. Redwood Dr. San Rafael CA 94903 (415) 971-3401 Michael Ambrosini 818 Fifth Ave. San Rafael CA 94901 (415) 485-5940 12 NorthBaybiz
Nave Tax Preparation & Mortgage Lending 390 Bel Marin Keys Blvd., Ste. E Novato CA 94949 (415) 883-7771 Pacific Financial Incentives, Inc. 18 Mitchell Blvd. San Rafael CA 94903 (415) 491-1174 www.pfitax.com Patricia F. Mouille 1660 Tiburon Blvd., Ste. C Tiburon CA 94920 (415) 435-5850 Richard L. Haney, CPA 100 Shoreline Hwy., Ste. 145 Mill Valley CA 94941 (415) 332-9798 Riley Accounting, CPA, MBA, Tax 1001 Bridgeway, Ste. 229 Sausalito CA 94965 (415) 308-0678 Robert Janes, EA 11100 State Rte., Ste. 1 Point Reyes Station CA 94956 (415) 663-8185 S Paul S, MBA, EA 45 Oak Valley Dr. Novato CA 94947 (415) 892-7962 Sandra Rettger, EA 1525 Grant Ave., Ste. 150 Novato CA 94945 (415) 897-4443 Stair, Pedersen & Williams, CPAs 7100 Redwood Blvd., Ste. 200 Novato CA 94945 (415) 898-3130 www.spwcpa.com Suzanne Halladay, EA P.O. Box 150452 San Rafael CA 94915 (415) 459-2629 www.suzannehalladay.com Tax Solutions 80 Mitchell Blvd. San Rafael CA 94903 (415) 444-0339 Ted Esquivel Tax & Financial Services 9 Woodland Ct. Novato CA 94947 (415) 883-8299 The Wright Tax Service 4040 Civic Center Dr., Ste. 200 San Rafael CA 94903 (415) 499-1099 Vida Freeman, EA 1100 Larkspur Landing Cir. Larkspur CA 94939 (415) 461-6140
Vinglo Enterprises 94 Longfellow Rd. Mill Valley CA 94941 (415) 383-6724
Business Plus 109 Woodland Dr. Napa CA 94558 (707) 258-8901
Weinstein Associates 1299 Fourth St., Ste. 309 San Rafael CA 94901 (415) 459-3541 www.weinsteinassoc.com
Charlotte J. Chiolero, CPA 28 James Rd. American Canyon CA 94503 (707) 643-6166 Cliff Towes, CPA 1125 Summit Lake Dr. Angwin CA 94508 (707) 965-3892
Z Accountancy 191 Santa Rosa Ave. Sausalito CA 94965 (415) 388-1980 www.zaccountancy.com
■ PAYROLL Accuchex Corp 365 Bel Marin Keys Blvd., 2nd Fl. Novato CA 94949 (415) 883-7733 www.accuchex.com
Colleen Soares, CPA, CFP 2033 First St. Napa CA 94559 (707) 255-6900 www.soaresfinancial.com Constance Coughlan, CPA 1250 Main St., Ste. 290 Napa CA 94559 (707) 255-0677 www.mccoughlan.com David W. Kerr, CPA 1127 Pope St., Ste. 202 St. Helena CA 94574 (707) 963-7785
ADP 7100 Redwood Blvd., Ste. 101 Novato CA 94945 (415) 899-7315 www.adp.com
Dean M. Lumbert, CPA 2140 Jefferson St. Napa CA 94559 (707) 255-1215
Chesterfield Management 914 Mission Ave., Ste. 4D San Rafael CA 94901 (415) 492-9898 www.groupchesterfield.com Paystar 150 Shoreline Hwy., Bldg. A, Ste. 2 Mill Valley CA 94941 (415) 332-6777
NAPA ■ BOOKKEEPING DKY Bookkeeping 2058 Lone Oak Ave. Napa CA 94558 (707) 255-1316
Frank, Rimerman & Co., LLP 899 Adams St., Ste. E St. Helena CA 94574 (707) 963-9222 www.frankrimerman.com
James Barta Wiggins, CPA 93 Kenwood St. Napa CA 94558 (707) 257-3015 JCP Associates 1832 Soscol Ave. Napa CA 94559 (707) 224-0661
Partners For Success 5213 El Mercado Pkwy. Santa Rosa CA 94558 (707) 584-7707
Jeffrey C. Nunn, CPA 1181 Soda Canyon Rd. Napa CA 94558 (707) 224-6580
■ CPA Brotemarkle, Davis & Co., LLP 1001 Adams St., Ste. B St Helena CA 94574 (707) 963-4466 www.napavalleycpas.com
Jerome E. Sather, CPA 1303 Jefferson St., Ste. 350A Napa CA 94559 (707) 253-2228 www.jeromesather.com
North Bay Business Resource Guide 2009
ACCOUNTING Joe Hall, CPA 1763 Second St. Napa CA 94559 (707) 255-1037
Rodney E. Goodwin, CPA 2180 Jefferson St. Napa CA 94559 (707) 224-2613
John A. Maresca, CPA 20 Rosedale Rd. Calistoga CA 94515 (707) 942-3986
Scott & Associates 340 McCormick St. St. Helena CA 94574 (707) 963-3661
John R. Straily, CPA 1700 Second St. Napa CA 94558 (707) 254-0366
Terry Allen, CPA 1100 Lincoln Ave., Ste. 104 Napa CA 94558 (707) 257-3995
Knutson, Curry & Associates 1718 Jefferson St. Napa CA 94559 (707) 255-9154
Uboldi, Henke & Velladao, CPAs 575 Jefferson St. Napa CA 94559 (707) 252-9225 www.cpanapa.com
Larry Turigliatto, CPA 1339 Pearl St., Ste. 203 Napa CA 94559 (707) 252-8072 Lehman & Lehman, CPAs P.O. Box 2880 Napa CA 94559 (707) 224-6584 Natalie P. Klug, CPA 1407 Main St. St. Helena CA 94574 (707) 963-4200 P. Woran Deckard, CPA 1615 Lincoln Napa CA 94558 (707) 253-2266 Pamela F. Smithers, CPA 1819 Vallejo St. St. Helena CA 94574 (707) 963-2909 Patrick Fetzer, CPA 1200 Dowdell Ln. St. Helena CA 94574 (707) 967-9691 Perry & Co. 1443 Main St., Ste. 135D Napa CA 94559 (707) 255-2275 www.napavalleyaccounting.com
Pisenti & Brinker, LLP 433 Soscol Ave., Ste. 151 Napa CA 94559 (707) 224-4097 www.pbllp.com R.L. Sire & Co., CPAs 1700 Soscol Ave., Ste. 28 Napa CA 94559 (707) 252-3633 www.rlsire.com Robert H. Higgins, CPA 340 McCormick St. St. Helena CA 94574 (707) 963-8303
■ GENERAL Central Business Svc. 212 Old Vine Way Napa CA 94558 (707) 226-8925 G&J Seiberlich & Co., LLP 3264 Villa Ln. Napa CA 94558 (707) 224-7948 www.gjscollp.com
■ PAYROLL
Ganze & Co. 1500 Third St., Ste. C Napa CA 94559 (707) 255-6540 www.napacpa.com
H & R Block 100 W. American Canyon Rd. American Canyon CA 94503 (707) 552-2177 www.hrblock.com
Advanced Payroll Services 3324 Macleod St. Napa CA 94558 (707) 252-6908 Doud Bookkeeping & Tax Services 1732 Jefferson St., #10 Napa CA 94559 (707) 255-9144 Fucito Giaccio & Associates Inc 1722 Jefferson St. Napa CA 94559 (707) 257-3661
Jackson Hewitt Tax Service 1455 Imola Ave. Napa CA 94559 (707) 256-3343 www.jacksonhewitt.com
Jorad & Company 1001 Second Street #315 Napa CA 94559 (707) 257-1985
Liberty Tax Service 2025 Jefferson St. Napa CA 94558 (707) 255-8186 www.libertytax.com
Payroll Factory 1135 Jefferson St Napa CA 94559 (707) 255-1524
Napa Tax 1730 Jefferson St. Napa CA 94559 (707) 224-5240
Payroll Masters 855 Bordeaux Way, Ste. 170 Napa CA 94558 (707) 226-1428 www.payrollmasters.com
G&J Seiberlich & Co., LLP 1344 Adams St. St. Helena CA 94574 (707) 963-9494 www.gjscollp.com Michael L. Hinton, CPA 1200 Dowdell Ln. St. Helena CA 94574 (707) 963-7827
■ TAX Associated Tax & Financial Service 3035 Solano Ave. Napa CA 94558 (707) 252-0442
You’ve Tasted the Wines, Now Buy the Vines!
Capital Business Service, Inc. 2033 First St. Napa CA 94559 (707) 252-8844 www.capitalbiz.com
Kendall-Jackson Nursery is a California certified grapevine nursery. Established in 1993, KendallJackson Nursery has grown into one of the largest grapevine producers in the United States. Kendall-Jackson Nursery propagates young grapevines on superior rootstock grown on the only 100% fully trellised rootstock increase block in California. This provides a grapevine with the best “engine” in the industry.
Completax Planning, Inc. 1100 Lincoln Ave., Ste. 104 Napa CA 94558 (707) 257-3995 www.completaxplanning.com Complete Business Services 1135 Jefferson St. Napa CA 94559 (707) 255-8353 www.completebuserv.com
North Bay Business Resource Guide 2009
• Dormant Benchgrafts • Dormant Rootings • Potted Dormant Benchgrafts • Greengrowing Benchgrafts Customer Operations
Nursery Operations
707.836.2021 Fax 836.2266
Fax 599.661.2009
1190 Kittyhawk Boulevard Santa Rosa, CA 95403
18394 Avenue 18 Madera, CA 93637
559.661.8702
NorthBaybiz
13
ACCOUNTING Payroll Plus 3119 Laurel St. Napa CA 94558 (707) 258-8579
Cumulus Bookkeeping & Consulting 1423 Wright St. Santa Rosa CA 95404 (707) 542-2256
Solutions 701 School St. Napa CA 94559 (707) 252-7260
Diana L. McNab 1249 Honeybrook Pl. Rohnert Park CA 94928 707-584-7776 ECM Bookkeeping Services 2800 St. Paul Dr. Santa Rosa CA 95405 (707) 526-1559
SONOMA ■ BOOKKEEPING
Five Star Business Services 1525 Fourth St. Santa Rosa CA 95404 (707) 575-7902
Abba Bookkeeping 132-A Commerce Blvd. Petaluma CA 94954 (707) 763-5990 www.abbabookkeeping.com
Gerling & Lee Bookkeeping 2675 Cleveland Ave., Ste. 1 Santa Rosa CA 95403 (707) 525-1040
Accounting Software Tutor 509 Tunney Pl. Santa Rosa CA 95403 (707) 525-1026
Grandy Bookkeeping Service 521 Williams Dr. Petaluma CA 94954 (707) 778-9700
Adds Up 775 Baywood Dr., Ste. 109 Petaluma CA 94954 (707) 763-8955
Hoffman's Bookkeeping & Payroll Service 702 Litchfield Ave. Sebastopol CA 95472 (707) 829-4806
Alexander Bookkeeping & Business Support Services 100 Professional Center Dr. Rohnert Park CA 94928 (707) 588-9940
Holmes & Associates Computer Accounting Systems 1083 Vine St. Healdsburg CA 95448 (707) 431-7720
Ann's Bookkeeping Service 1260 N. Dutton Ave., Ste. 180 Santa Rosa CA 95401 (707) 527-0634
In Balance Bookkeeping Service P.O. Box 1311 Sebastopol CA 95473 (707) 824-0360
At Your Service Bookkeeping 2777 Cleveland Ave. Santa Rosa CA 95403 (707) 579-8000
Kochenderfer Business Services 100 E St., Ste. 212 Santa Rosa CA 95404 (707) 578-5904 Kyle W. Hagemann, CPA 122 S. E St. Santa Rosa CA 95404 (707) 545-1033
Floyd A. Moses, CPA 920 W. First St. Sonoma CA 95476 (707) 996-6781
Accountable Solutions 1815 Empire Industrial Ct. Santa Rosa CA 95403 (707) 578-1815
Karen B. Peterson Financial Services Associates 2129 Fourth St. Santa Rosa CA 95404 (707) 541-7153 www.financialservicesassociates.com Kerrigan Bookkeeping & More 1100 College Ave. Santa Rosa CA 95404 (707) 579-1530
Fair Bookkeeping 321 Equestrian Gap Healdsburg CA 95448 (707) 292-4430
Abacus Bookkeeping P.O. Box 278 Vineburg CA 95487 (707) 933-8884 www.abacusbookkeeping.biz
Joanna R. Palmer Bookkeeping Services 876 S. Gravenstein Hwy. Sebastopol CA 95472 (707) 823-5165
Beauty for your
eyes to see. . .
Largest Supplier of Landscape Materials in the North Bay Complete Selection of Natural Stone • • Landscape Supplies Custom Stone Fabrication • • Specialty Soil/Custom Mixes • • Green Products Available • Building Materials •
Photo Curtesy of: Details Landscape Art
707.543.8400 3500 Petaluma Hill Rd. • Santa Rosa
14 NorthBaybiz
www.wheelerzamaroni.com
Options Tax Services 170 Farmers Ln., Ste. 9 Santa Rosa CA 95405 (707) 579-3155 Pam Johnston P.O. Box 89 Fulton CA 95439 (707) 578-3540
Partners for Success 5213 El Mercado Pkwy. Santa Rosa CA 95403 (707) 584-7707
Premier Business Services 752 Broadway Sonoma CA 95476 (707) 938-5021
Latino Income Tax 720 Sebastopol Rd. Santa Rosa CA 95407 (707) 575-0496
Redwood Tax Service 726 Mendocino Ave. Santa Rosa CA 95401 (707) 526-2254
Ledger Domaine 649 Healdsburg Ave. Healdsburg CA 95448 (707) 433-2552
RFC Financial Services, Inc. P.O. Box 343 Healdsburg CA 95448 (707) 431-2284
Michael Anderson & Co., Inc. 1550 Airport Blvd., Ste. 100 Santa Rosa CA 95403 (707) 573-0326 www.macocpa.com
S & R Bookkeeping Services 4809 Pressley Rd. Santa Rosa CA 95404
Mike Russell Bookkeeping Services 874 S. Gravenstein Hwy., Ste. 1 Sebastopol CA 95472 (707) 823-4354 Mungle & Associates 961 Chapman Ln. Petaluma CA 94952 (707) 778-1716
SCS 1620 Madeira Cir. Petaluma CA 94954 (707) 769-1889 Shipman Kelly and Associates 2777 Cleveland Ave., Ste. 108 Santa Rosa CA 95403 (707) 537-8600 Steven Bookkeeping 4000 Montgomery Dr. Santa Rosa CA 95405 (707) 569-9540
Nelson Financial Services 75 Magnolia Way Petaluma CA 94952 (707) 769-7411 www.nelsonandnelson.org Newhart Bookkeeping Services 111 W. First St., Ste. C Cloverdale CA 95425 (707) 894-3366
•
™
Numbers Etc. 21933 Geyserville Ave. Geyserville CA 95441 (707) 431-1519
Nicola Johnson Bookkeeping Services 140 S. Cloverdale Blvd. Cloverdale CA 95425 (707) 894-2930 North Coast Financial Services 320 Professional Center Dr., Ste. 200 Rohnert Park CA 94928 (707) 585-8300
TaxTec 987 Airway Ct. Santa Rosa CA 95403 (707) 568-3864 Virtual Jeannie Business Services 133 Southwest Blvd., Ste. B Rohnert Park CA 94928 (707) 664-1425 Western Bookkeeping Service 2952 Mendocino Ave., Ste. A Santa Rosa CA 95403 (707) 542-4330
North Bay Business Resource Guide 2009
ACCOUNTING Whittaker Business Services 7320 Bodega Ave. Sebastopol CA 95472 (707) 823-5145
Brian M. Burns, CPA 255 W. Napa St. Glen Ellen CA 95442 (707) 996-1421
Cheri K. Puig, CPA 21541 Starrett Hill Dr. Monte Rio CA 95462 (707) 865-2510
■ CPA
Bruce Garritson, CPA 20 El Prado Ct. Santa Rosa CA 95405 (707) 538-8520 www.brucegarritsoncpa.com
Cindy Varni, CPA 1 Snoopy Pl. Santa Rosa CA 95401 (707) 579-4771
Advanced Individual Services 50 Adobe Canyon Rd. Kenwood CA 95452 (707) 833-4022 Alan F. Beyer, CPA 131-A Stony Cir. Santa Rosa CA 95401 (707) 576-1221 Anita J. Graziano, CPA 3507 Deer Trail Rd. Santa Rosa CA 95404 (707) 539-5697 www.agraziano.com Ann Marie Carinalli, CPA 105 Morris, Ste. 192 Sebastopol CA 95472 (707) 824-4444 www.carinallicpa.com Anne Marie Fitzgerald, CPA 824 Mendocino Ave., Ste. C Santa Rosa CA 95401 (707) 576-0830 Antonini CPA, LLP 631 Fifth St. Santa Rosa CA 95404 (707) 524-8130 www.antoninicpa.com Baldwin, McGaughey & Co., LLP 175 Lynch Creek Way Petaluma CA 94954 (707) 762-3517 www.cpapetaluma.com
Beels Soper 19 Keller St. Petaluma CA 94952 (707) 763-3888 www.beels-soper.com
Bruce R. McKee, CPA 1426 Townview Ln. Santa Rosa CA 95405 (707) 523-1040 Brush Bernard Mitchell, CPAs 101 W. North St. Healdsburg CA 95448 (707) 433-8800 www.bbmcpa.com Burr Pilger Mayer 110 Stony Point Rd., Ste. 210 Santa Rosa CA 95401 (707) 544-2190 www.bpmllp.com Capitani & Co. 1400 N. Dutton Ave., Ste. 18 Santa Rosa CA 95401 (707) 544-2256 Carolyn A. Mayes, CPA 465 Stony Point Rd., Ste. 237 Santa Rosa CA 95401 (707) 573-8892 www.mayescpa.com Caryn Naiditch, CPA 825 N. Gravenstein Hwy., Ste. 2 Sebastopol CA 95472 (707) 829-9203 www.naiditchcpa.com
Dal Poggetto & Co., LLP 149 Stony Cir., Ste. 100 Santa Rosa CA 95401 (707) 545-3311 www.dalpoggetto.com Daniel C. Neumann 807 St. Helena Ave. Santa Rosa CA 95404 (707) 542-1165
Clarence W. Younger, Jr., CPA P.O. Box 2499 Sebastopol CA 95473 (707) 823-1816 Clement R. Guggiana 631 Healdsburg Ave., Ste. A Santa Rosa CA 95401 (707) 576-7505 Constance J. Austring, CPA 401 College Ave., Ste. B1 Santa Rosa CA 95401 (707) 568-0304 CPA, MBA, Inc. 232 W. Napa St. Sonoma CA 95476 (707) 935-1000 Craig A. Lorenz, CPA 2464 W. Third St. Santa Rosa CA 95401 (707) 545-1717
Daniel, Stack, CPA 1040 Catalpa Way Petaluma CA 94952 (707) 769-0604 Darlene Elmore, CPA 384 Tesconi Ct. Santa Rosa CA 95401 (707) 523-3540 David J. Fisher, CPA 100 Professional Center Dr., Ste. 111 Rohnert Park CA 94928 (707) 588-9700 www.dfishercpa.com David J. Lee, CPA 182 Farmers Ln. Santa Rosa CA 95405 (707) 528-6690
PAYROLL MANAGEMENT SERVICES
Celeste Plaister, CPA 1831 Madrone Ave. Healdsburg CA 95448 (707) 431-7422 Charles E. Olson, CPA 50 Old Courthouse Sq., Ste. 605 Santa Rosa CA 95404 (707) 526-7527
Beth Harper, CPA 811 W. Napa St., Ste. J Sonoma CA 95476 (707) 939-9877
Charles F. Reichel, CPA 1201 Vine St., Ste. 103 Healdsburg CA 95448 (707) 433-3316 www.reichel.com
Boyle & Stoll, CPAs 3755 Brickway Blvd., Ste.100 Santa Rosa CA 95403 (707) 571-1951 www.boyle-stoll.com
Chassey Associates 6400 Redwood Dr. Rohnert Park CA 94928 (707) 588-0914 www.chasseycpa.com
Brenda Merwin, CPA 644 Tulare St. Petaluma CA 94954 (707) 778-6059
Cheistensen Accountancy Corp. 1017 College Ave. Santa Rosa CA 95404 (707) 546-8512
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North Bay Business Resource Guide 2009
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Finding Small Business Accountants to Strengthen Your Company By Charles Wallace During the interview, ask what kind of creative advice the mall business accountants can provide a great deal more accountant is able to offer. If they have the knowledge, small busithan just general bookkeeping. Choosing the right small ness accountants can be your primary source for tax planning, business accountant can help you grow your business with business consulting and personal financial advice. They can also advice in advance of your decisions more efficiently and cost help you grow a network of service providers you may need in the effectively than almost anything else you can do. Making the future. They know their clients well enough to make referrals, wrong choice can cause tax issues and other problems, but which can be an invaluable tool for finding a good lawyer or other switching from one to another is almost always impractical, if not service provider. virtually impossible. You should be sure that the person handling your business’ Over the years, I’ve seen dozens and dozens of business ownmoney makes use of all of the tools available today. They should be ers suffering, not so much from bad advice as from indifferent familiar with business management software and make full use of it. advice, because of their dependence on an out-dated relationship One of the things you need to be sure about before you hire a with an out of touch adviser. Why, when other products and servsmall business accountant is the fees they charge. This may ices found wanting were jettisoned with a flick of the wrist, do sound like common sense, but many business owners fail to ask. these otherwise smart business owners keep getting their advice A CPA may charge an hourly fee based on the amount of time from accountants who are no longer relevant? that he or she spends on your books. But CPAs may also charge Often it seems that, over time, their small business accountfor time spent on the phone with ants gain detailed knowledge of you or for sending faxes or emails. them, of their business and their life, If a simple, two-minute phone call and the business owner can’t face Small business accountants can is equivalent to an hour of billable the prospect of telling someone new time, interview someone else. everything their current small busihelp or hurt your business. In short, small business ness accountant already knows. accountants can help or hurt your As a result, many businesses Choosing the right one now business. Choosing the right one stay with the same provider, even if now will save time, frustration and, they’re dissatisfied, because the will save time, frustration and, possibly, money in the future. costs in time, money and aggravaIndividuals who think strategition of switching are just too high. possibly, money in the future. cally, plan comprehensively, and Are you willing to continue getting execute flawlessly will certainly outless than cutting-edge advice pace those who simply set goals and hope for the best. They because you’re too lazy or too cheap to investigate your understand the importance of developing skills and relationship options—and then to bring them completely into the picture? that will move them toward their objectives. If so, it pays to make the right choice from the beginning. And If you want to be more successful in the future than you are if this isn’t the beginning, resolve to go through the pain of switchtoday, you should always be on the lookout for ideas and ing once so you can go forward with the right people. But, you resources to help you. Each of us is concerned about the continuask, “How do you do that?” ous refinement of our strategies and tactics toward enhanced proYou should interview a small business accountant the same ductivity and greater profitability. And yet, for most of us, there’s a way you’d interview an employee, because that’s what they are. gap between where we are and where we want to be next year You should ask to see their résumé, references and credentials, and the year after that. and ask who they’re doing business with that you’ll know. And If you had the tools to achieve greater success, would you use don’t be tempted by a non-CPA just because they charge lower them? And if these tools were available at no charge, simply by askfees. There are numerous transactions that require CPA involveing for them, would you even take the trouble to ask—let alone actument. If your small business accountant isn’t certified, you’d have ally use them? If you think there is a chance that resources exist you to use another service at these times. can benefit from, visit www.FamilyBusinessAccountants.com and OK, maybe that’s a little strong, especially for those who live in read the announcement linked to the homepage. ■ remote areas where there are slim pickings for professional help. If Charles Wallace cab be reached via e-mail at cwallace@ibizrethe person you choose isn’t a CPA, they must either have one in their office or have a close working relationship with a CPA who will sources.com or by phone at (212) 501-4912. be available to you in those situations where their expertise and Reprinted from EzineArticles.com credentials are necessary.
S
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ACCOUNTING David W. Devoto Accountacy Corp. P.O. Box 93 Petaluma CA 94953 (707) 762-3051 De Kay Ann Jost, CPA P.O. Box 279 Healdsburg CA 95448 (707) 431-8505 Dillwood Burkel & Sully, LLP 175 Concourse Blvd., Ste. A Santa Rosa CA 95403 (707) 577-8806 www.dbscpas.com Donald Judd, CPA 2435 Professional Dr., Ste. D Santa Rosa CA 95403 (707) 579-3425 www.dgjuddcpa.com E.K. Williams & Co. 807 St. Helena Ave. Santa Rosa CA 95404 (707) 542-1165 Earl L. Loe, CPA 10877 Blue Jacket Ct. Sebastopol CA 95472 (707) 823-0866 Edward F. Elordi, CPA 131-A Stony Cir. Santa Rosa CA 95401 (707) 578-2349 Elizabeth J. Desmond, CPA P.O. Box 2401 Rohnert Park CA 94927 (707) 585-3423 Elkin Robert, CPA 4145 Bodega Ave. Petaluma CA 94952 (707) 762-6308 Everard & Associates, CPAs 2833 White Alder Sonoma CA 95476 (707) 938-1605 Fred P. Klemenok, CPA 5510 Volkerts Rd. Sebastopol CA 95472 (707) 824-4460 Frederic H. Smith, CPA 336 W. College Ave. Santa Rosa CA 95401 (707) 578-0540 Garry L. Witty, CPA 538 N. Cloverdale Blvd. Cloverdale CA 95425 (707) 894-5241 George H. Webb 860 N. Petaluma Blvd. Petaluma, CA 94952 (707) 762-3048
Gerald McGowin, CPA 565 W. First St. Sonoma CA 95476 (707) 938-0202 www.sonoma-cpa.com Gerarde Moret, CPA 111 Santa Rosa Ave., Ste. 407 Santa Rosa CA 95404 (707) 569-0464 www.moretcpa.com Haas & Associates 3835 Cypress Dr. Petaluma CA 94954 (415) 382-1040 www.haascpa.com Henry W. Taylor, CPA 124 Howard St. Petaluma CA 94952 (707) 762-3570 Holden & Company, CPAs 3000 Cleveland Ave. Santa Rosa CA 95403 (707) 526-3200 Imboden & Elliott 1400 N. Dutton Ave., Ste. 22 Santa Rosa CA 95401 (707) 546-8884 Ira M. Freed, CPA 6050 Commerce Blvd., Ste. 215 Rohnert Park CA 94928 (707) 586-3750 www.irafreed.com Jack V. Singer, Jr., CPA 561 Skyranch Rd. Petaluma CA 94954 (707) 769-5415 James Bucheister, CPA 9051 Conde Ln. Windsor CA 95492 (707) 837-9229 James Ernst Accounting 120 Stony Point Rd., Ste. 150 Santa Rosa CA 95401 (707) 576-7070 www.ernst/cpa.com James Whitman, CPA 947 Piner Pl. Santa Rosa CA 95403 (707) 575-3410 Jeffrey M. Dreyer, CPA 811 W. Napa St., Ste. A Sonoma CA 95476 (707) 938-2273 Jerome Porter Accountancy Corp. 215 Western Ave., Ste. B Petaluma CA 94952 (707) 769-2727 Jill Martin, CPA 8090 Valley Ford Rd. Petaluma CA 94952 (707) 763-8419 www.jillmartincpa.com
North Bay Business Resource Guide 2009
Jillian M. Helmer, CPA 384 Tesconi Ct., Ste. 101 Santa Rosa CA 95401 (707) 578-4444
Lawrence A. Kropp, CPA/Attorney 438 First St. Santa Rosa CA 95401 (707) 523-4555
John Edwards, CPA 135 Keller St., Ste. D Petaluma CA 94952 (707) 762-5248
Lawrence R. Wiesner, CPA P.O. Box 421 Santa Rosa CA 95402 (707) 578-5905
John L. Byrne, CPA 2798 Yulupa Ave., Ste. 3 Santa Rosa CA 95405 (707) 545-1005
Linkenheimer, LLP 187 Concourse Blvd. Santa Rosa CA 95403 (707) 546-0272 www.linkcpa.com
John Schloetter & Co. 1290 N. McDowell Blvd. Petaluma CA 94954 (707) 762-2766 John W. Estes, CPA 620 Alta Vista Dr. Healdsburg CA 95448 (707) 431-2177 John Warren, CPA 31 D St., Ste. 200 Santa Rosa CA 95404 (707) 579-3414 Judd & Boone CPAs, LLP 2435 Professional Dr., Ste. D Santa Rosa CA 95403 (707) 579-3425 Kelli Hensley, CPA 2880 Cleveland Ave. S (707) 396-3960 Ken Waterman, CPA 916 Mendocino Ave. Santa Rosa CA 95401 (707) 542-6411 watermancpa.com Kenneth M. Rose, CPA 646 Center St. Healdsburg CA 95448 (707) 431-0167 www.rosecpa.com Kenneth P. Doyle, CPA 305 S. E St. Santa Rosa CA 95404 (707) 546-4507
Lowry, CPA 5209 Honor Oak Ct. Santa Rosa CA 95405 (707) 537-1998 Mansi & Co. 2901 Cleveland Ave. Santa Rosa CA 95403 (707) 575-1575 www.mansico.com Mary J. Mansi, CPA 1255 N. McDowell Blvd. Petaluma CA 94954 (707) 762-3518 Maureen Weinstein, CPA 930 Shiloh Rd. Windsor CA 95492 (707) 836-8722 McGuire & Goff 2 Padre Pkwy., Ste. 101 Rohnert Park CA 94928 (707) 585-1040
Mengali Accountancy 205 Foss Creek Circle Healdsburg, CA 95448 www.mengali.com Renee Mengali CPA, Principal
707.431.0600
Kenneth W. Escobarm, CPA 1431 Town and Country Dr., Ste. B Santa Rosa CA 95404 (707) 579-4041
Michael Harrow, CPA 131 Southwest Blvd., Ste. G3 Rohnert Park CA 94928 (707) 792-6757
Kuryla & Associates 7182 Healdsburg Ave. Sebastopol CA 95472 (707) 823-8848
Mona L. Andrews, CPA 389 Parkland Farms Blvd. Healdsburg CA 95448 (707) 433-1550
L.H. Harris, CPA 6400 Redwood Dr., Ste. 200 Rohnert Park CA 94928 (707) 546-2727 www.lharriscpa.com
Montgomery Taylor & Co. 2635 Cleveland Ave., Ste. 5 Santa Rosa CA 95403 (707) 576-8700 www.taxwiseadvisor.com
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ACCOUNTING My Accounting Dept. 808 Lombard Way Rohnert Park CA 94928 (707) 793-0378
Ronald C. Abler, CPA 25 Old Courthouse Sq. Santa Rosa CA 95404 (707) 546-0424
Nicholas L. Stameroff, CPA, MBA 328 S. E St. Santa Rosa CA 95404 (707) 526-3111
Ronald E. Conte, CPA 433 East St. Healdsburg CA 95448 (707) 433-6561
Onna S. Rayos, CPA 4759 Fairway Dr. Rohnert Park CA 94928 (707) 586-9779
Royal & Latoures, CPAs 320 College Ave. Santa Rosa CA 95401 (707) 544-8888
Pamela Nachtigall, CPA 3154 Bloomfield Rd. Sebastopol CA 95472 (707) 823-3081
Ruby Rubin, CPA 150 Professional Center Dr., Ste. F Rohnert Park CA 94928 (707) 585-3609
Patricia Harrison, JD, CPA 2300 Heidi Pl. Santa Rosa CA 95403 (707) 577-7892
Sam Oliver, CPA 800 Baywood Dr. Petaluma CA 94954 (707) 766-9241
Patrick P. Paquette, CPA 139 Lincoln St. Healdsburg CA 95448 (707) 433-2727
Sam P. Saunders, CPA 131 Stony Cir. Santa Rosa CA 95401 (707) 578-2340
Phillips & Thomas, Inc. 1100 Sonoma Ave. Santa Rosa CA 95405 (707) 527-9465
Sandra Stout, CPA 850 W. Napa Sonoma CA 95476 (707) 939-6700
Pisenti & Brinker, LLP 3550 Round Barn Blvd., Ste. 100 Santa Rosa CA 95403 (707) 542-3343 www.pbllp.com
Sari Ulitalo-Humphrey, CPA 4354 Occidental Rd. Santa Rosa CA 95401 (707) 528-3000
Pozzi & Associates - CPA Firm 320 Washington St. Petaluma CA 94952 (707) 763-9817 Prince & Associates 50 Old Courthouse Sq. Santa Rosa CA 95404 (707) 963-4622 Resing, CPA 131 Stony Cir., Ste. 500 Santa Rosa CA 95401 (707) 578-2315 Richard Olmsted, CPA 5041 Rick Dr. Santa Rosa CA 95409 (707) 537-0458 Robert E. Sullivan, CPA, Inc. 430 E. First St. Sonoma CA 95476 (707) 996-3122 Robert L. Withrow, CPA 843 Broadway Sonoma CA 95476 (707) 996-1101
Scott Bowen, CPA 131A Stony Cir., Ste. 500 Santa Rosa CA 95401 (707) 571-8084 Snyder & Co., CPA 1450 Airport Blvd. Santa Rosa CA 95403 (707) 545-2026 www.snyderandcocpa.com
Thelma I. Kirkwood, CPA 5550 Commerce Blvd., Ste. 10 Rohnert Park CA 94928 (707) 586-1099 www.tkcpa.net
Gil's Business Tax Service 1534 Sebastopol Rd. Santa Rosa CA 95407 (707) 523-2192 www.gilstax.com
Thomas K. Rackerby, CPA 133 North St. Healdsburg CA 95448 (707) 431-7964
Glenn, Guattery, Gunn, & McAravy, LLP 111 Santa Rosa Ave., Ste. 400 Santa Rosa CA 95401 (707) 526-2624 www.santarosacpa.com
Thomas Porch & Gullickson, CPAs 5213 El Mercado Pkwy., Ste. E Santa Rosa CA 95403 (707) 575-4236 Thomas Tessier, CPA 884 Third St. Santa Rosa CA 95401 (707) 545-0701
Horwinski Associates, Inc. 760 Piezzi Rd. Santa Rosa CA 95401 (707) 575-8228 horwinskiea.com Larry D. Johnson, CPA 3402 Mendocino Ave. Santa Rosa CA 95403 (707) 571-8078
Torkelson & Associates 3835 Cypress Dr., Ste. 110 Petaluma CA 94954 (707) 795-2691 Twitchell & Garzini 2455 Bennett Valley Rd., Ste. C110 Santa Rosa CA 95404 (707) 546-6129 V M Accounting Svc. 1101 College Ave. Santa Rosa CA 95401 (707) 542-4465
Mark McDonell, CPA 511 Humboldt St. Santa Rosa CA 95404 (707) 526-9621 Miller & Associates, CPAs 3554 Round Barn Blvd., Ste. 205 Santa Rosa CA 95403 (707) 525-1640
Moss Adams, LLP 3700 Old Redwood Hwy., Ste. 200 Santa Rosa CA 95403 (707) 535-4126 www.mossadams.com
Walter Gioseffi, CPA 9850 Barnett Valley Rd. Sebastopol CA 95472 (707) 823-7244 www.walgio.com William E. Cornell, Jr., CPA 1101 College Ave., Ste. 210 Santa Rosa CA 95404 (707) 544-2390
Muegge Baldi Hardcastle 747 Fifth St. Santa Rosa CA 95404 (707) 544-9510 www.mbhcpa.net
Zainer Rinehart Clarke 3510 Unocal Pl., Ste. 350 Santa Rosa CA 95403 (707) 525-1163 www.zrccpas.com
â– GENERAL
Pisenti & Brinker, LLP 201 First St., Ste. 208 Petaluma CA 94952 (707) 762-9900 www.pbllp.com
Steven W. Haggard, CPA 884 Third St. Santa Rosa CA 95404 (707) 571-8802
Accounting By Design 255 W. Napa Sonoma CA 95476 (707) 938-8870
Simon & Boitano P.O. Box 5649 Santa Rosa CA 95402 (707) 544-1142
Susan Goranson, CPA 446 Beaver St. Santa Rosa CA 95404 (707) 542-1256
Bollinger Accountancy, APC 8733 Lakewood Dr., Ste. 209 Windsor CA 95492 (707) 837-0550 www.bollingercpa.com
Strategic Business Sales 131 Stony Cir., Ste. 500 Santa Rosa CA 95401 (707) 578-2315
Carol Holmes Accounting Solutions P.O. Box 5892 Petaluma CA 94955 (707) 778-6970
Tax & Business Services 593 W. Fifth St. Sonoma CA 95476 (707) 996-9798 www.taxbizservices.com
Standridge & Assoc. P.O. Box 6599 Santa Rosa CA 95406 (707) 525-1066
Suzanne K. Ell, CPA 50 Old Couthhouse Sq., Ste. 310 Santa Rosa CA 95404 (707) 545-1100 Terry Wall, CPA 5450 Linda Ln. Santa Rosa CA 95404 (707) 544-3507
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North Bay Business Resource Guide 2009
ACCOUNTING â– TAX A & M Consulting Services 145 Plaza Dr. Santa Rosa CA 95401 (707) 552-7254 A Tax Attorney-Stanley J. Greenberg 2245 Montgomery Dr., Ste. D Santa Rosa CA 95405 (707) 578-6498 America's Income Tax 1430 Guerneville Rd. Santa Rosa CA 95403 (707) 545-7687 American Tax Service 150 Professional Center Dr., Ste. F Rohnert Park CA 94928 (707) 585-0839 Andy Nielsen Tax & Bookkeeping Service 3000 Cleveland Ave., Ste. 103 Santa Rosa CA 95403 (707) 545-8884 AnsbroTax 765 Baywood Dr., Ste. 229 Petaluma CA 94954 (707) 773-3694 ATS Tax Services 4860 Old Redwood Hwy. Santa Rosa CA 95403 (707) 546-8489 B. Joe Rosa, Income Tax Consultant 3521 N. Hwy. 116 Sebastopol CA 95472 (707) 824-6902 Bardella & Associates 702 Litchfield Ave. Sebastopol CA 95472 (707) 829-4800 www.bardella.com Bookkeeping and Tax By Sara 16 Halsey Ave. Petaluma CA 94952 (707) 762-9070 Corky Ferris P.O. Box 929 Occidental CA 95465 (707) 874-9405 Debbie Coe 7765 Healdsburg Ave., Ste. 5B Sebastopol CA 95472 (707) 829-5766 Dennis M. Paynter 4983 Sonoma Hwy. Santa Rosa CA 95409 (707) 538-5776 Don Roberts Tax Service 1400 N. Dutton Ave. Santa Rosa CA 95401 (707) 544-0858
Douglas H. Pickford, EA 765 Baywood Dr., Ste. 133 Petaluma CA 94954 (707) 773-0255 Duckworth Tax Service 131-A Stony Cir., Ste. 500 Santa Rosa CA 95401 (707) 544-5757 G & A Business Services P.O. Box 1054 Healdsburg CA 95448 (707) 433-5461 Gary Smith 210 Vallejo St., Ste. B Petaluma CA 94952 (707) 789-9685 Gaylord Schaap 19400 Hwy. 116 Monte Rio CA 95462 (707) 865-1287 Gerald L. Finton, EA, CFP, Tax & Financial Svcs. 100 Professional Center Dr., Ste. 106 Rohnert Park CA 94928 (707) 585-3691
H & R Block 1583 Farmers Ln. Santa Rosa CA 95405 (707) 545-4567 www.hrblock.com
Healdsburg Tax Service 111 Monte Vista Ave. Healdsburg CA 95448 (707) 431-2150 Hernandez Tax Services 990 Sebastopol Rd. Santa Rosa CA 95407 (707) 571-8914
Kendrick & Associates 1525 Fourth St. Santa Rosa CA 95401 (707) 544-4829 www.kendricktax.com Kim Parker, EA 105 Morris St., Ste. 200 Sebastopol CA 95472 (707) 824-0104 Larkfield Tax Service 4787 Old Redwood Hwy. Santa Rosa CA 95403 (707) 579-3170 www.larkfieldtax.com Lee Stephens Business & Tax Services 3430 Mendocino Ave. Santa Rosa CA 95404 (707) 527-7464 Lewis & Scarbrough, CPAs, APC 200 Windsor River Rd. Windsor CA 95492 (707) 837-0891 www.windsor-cpa.com Lojas Tax Service 41 Washington St., Ste. E Petaluma CA 94952 (707) 623-5472 Lorraine Marinelli, CPA 1270 Healdsburg Ave. Healdsburg CA 95448 (707) 433-3600 www.lmarinelli.com Maria Villarreal Income Tax - Notary 311 Center St., Ste. I Healdsburg CA 95448 (707) 433-9660 Mark G. Leavitt, CPA 825 N. Gravenstein Hwy., Ste. 2 Sebastopol CA 95472 (707) 824-1040
Net Profit P.O. Box 1757 Windsor CA 95492 (707) 837-2711 Olvera's Tax Service 250 Sebastopol Rd. Santa Rosa CA 95407 (707) 576-8805 Paternoster & Associates 1042 Hopper Ave. Santa Rosa CA 95403 (707) 528-3313 Paula Koneazny, EA 105 Morris St., Ste. 214 Sebastopol CA 95472 (707) 829-7239 Pearson Pearson & Williams Tax Firm 1580 E. Washington St., Ste. 103 Petaluma CA 94954 (707) 778-7050 Pletkin & Associates 160 Wikiup Dr., Ste. 110 Santa Rosa CA 95403 (707) 544-1004 Richard Strobino Income Tax Services 1030 Second St. Santa Rosa CA 95404 (707) 527-7310 Richard Woolfe, EA, Tax Consultant 131 Stony Cir. Santa Rosa CA 95401 (707) 577-7401 Roberts Ken, CFP, EA 4421 Bartleson Rd. Sebastopol CA 95472 (707) 824-1177 Russian River Tax Service 16390 Main St. Guerneville CA 95446 (707) 869-2345
Mary Anne Turbeville, EA 401 Center St. Healdsburg CA 95448 (707) 433-3148 www.taxnnotary.com
Sadler Taxes 4358 Sonoma Hwy. Santa Rosa CA 95409 (707) 537-8302
Michael W. Bruner, CPA, JD 1400 N. Dutton Ave., Ste. 19 Santa Rosa CA 95401 (707) 545-0928
Scheuer Tax and Bookkeeping Service 1313 College Ave. Santa Rosa, CA 95401 (707) 546-4271
Midtown Tax 411 B St. Petaluma CA 94952 (707) 776-0600
Scott M. Slonoff, EA 196 Wikiup Dr., Ste. B Santa Rosa CA 95403 (707) 579-9510
Janet Doyle Accounting & Tax Service 314 Center St., Ste. 219 Healdsburg CA 95448 (707) 433-8577
Money Matters 820 W. Napa St. Sonoma CA 95476 (707) 939-7934 www.sonomamoneymatterscom
Sharon Albertoni, EA 124 Howard St. Petaluma CA 94952 (707) 762-3570
JTT Accounting & Bookkeeping P.O. Box 720 Graton CA 95444 (707) 829-8384
Mossman Accounting Solutions 4525 Montgomery Dr. Santa Rosa CA 95409 (707) 526-1559
Houghton & Freitas, LLP 850 Second St., Ste. D Santa Rosa CA 95404 (707) 575-3535 Howard Thomas M., CPA 1725 Petaluma Hill Rd. Santa Rosa CA 95404 (707) 576-1008 James Troxel 10 Chrisdumar Ln. Petaluma CA 94952 (707) 763-3904
North Bay Business Resource Guide 2009
Sonoma Valley Tax Service 735 Broadway Sonoma CA 95476 (707) 996-6330
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ACCOUNTING Tami Landucci, EA 105 Morris St., Ste. 180 Sebastopol CA 95472 (707) 823-0714 Tax & Insurance 2101 W. College Ave. Santa Rosa CA 95401 (707) 576-8002 Tax Office of Peggy Fransen 131-A Stony Cir., Ste. 500 Santa Rosa CA 95407 (707) 578-2388 Tax Service Plus 320 W. Third St., Ste. D-2 Santa Rosa CA 95401 (707) 575-7755
■ PAYROLL Abba Payroll, LLC 132 A Commerce Blvd. Petaluma CA 94954 (707) 763-5990 www.abbabookkeeping.com Can Do Payroll 8041 Washington Ave. Sebastopol CA 95472 (707) 823-4129
Innovative Business Solutions 6400 Redwood Dr., Ste. 110 Rohnert Park, CA 94928 www.ibspayroll.com
Ted Esquivel Tax & Financial Services 196 Wikiup Dr., Ste. G Santa Rosa CA 95403 (888) 833-8297 The Master's Tax Service 716 College Ave. Santa Rosa CA 95404 (707) 544-5732 www.themasterstaxservice.com Theresa O'Connor, CPA 921 Transport Way, Ste. 26 Petaluma CA 94954 (707) 778-2146 Thomas A. Rohde Associates 4000 Montgomery Dr., Ste. B Santa Rosa CA 95405 (707) 523-0123 Timothy E. Williams, EA 50 Brookwood Ave. Santa Rosa CA 95404 (707) 579-3249 Vazquez Taxes 3000 Cleveland Ave. Santa Rosa CA 95403 (707) 546-6062
Petaluma Payroll Co. 800 Baywood Dr., Ste. E Petaluma CA 94954 (707) 762-0997 T.G.I. Payday P.O. Box 11632 Santa Rosa CA 95406 (707) 579-8117 tgipayday.biz Wine Country Payroll 649 Healdsburg Ave. Healdsburg CA 95448 (707) 433-2552
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www.northbaybiz.com North Bay Business Resource Guide 2009
BANKS / SAVINGS & LOANS MARIN â– BANKS / SAVINGS & LOANS Bank of America 663 Tamalpais Dr. Corte Madera CA 94925 (415) 924-2147 www.bankofamerica.com Bank of America 89 Broadway Fairfax CA 94930 (415) 453-5830 www.bankofamerica.com Bank of America 50 Bon Air Shopping Ctr., 1st Fl. Greenbrae CA 94904 (415) 785-2220 www.bankofamerica.com Bank of America 60 Throckmorton Ave. Mill Valley CA 94941 (415) 384-2300 www.bankofamerica.com Bank of America 715 E. Blithedale Ave. Mill Valley CA 94941 (415) 925-2048 www.bankofamerica.com Bank of America 1600 Grant Ave. Novato CA 94947 (415) 897-3136 www.bankofamerica.com Bank of America 401 San Anselmo Ave. San Anselmo CA 94960 (415) 488-2073 www.bankofamerica.com Bank of America 1000 Fourth St. San Rafael CA 94901 (415) 257-8600 www.bankofamerica.com Bank of America 30 Smith Ranch Rd. San Rafael CA 94903 (415) 446-7590 www.bankofamerica.com Bank of America 750 Bridgeway Sausalito CA 94965 (415) 332-1200 www.bankofamerica.com Bank of America 1601 Tiburon Blvd. Tiburon CA 94920 (415) 435-9794 www.bankofamerica.com
Bank of Marin 50 Madera Blvd. Corte Madera CA 94925 (415) 927-2265 www.bankofmarin.com Bank of Marin 23 Reed Blvd. Mill Valley CA 94941 (415) 381-2265 www.bankofmarin.com Bank of Marin 19 Sunnyside Ave. Mill Valley CA 94941 (415) 380-4665 www.bankofmarin.com Bank of Marin 504 Redwood Blvd., Ste. 100 Novato CA 94947 (415) 763-4520 www.bankofmarin.com Bank of Marin 368 Ignacio Blvd. Novato CA 94949 (415) 884-2265 www.bankofmarin.com Bank of Marin 1450 Grant Ave. Novato CA 94945 (415) 899-7338 www.bankofmarin.com Bank of Marin 1101 Fourth St. San Rafael CA 94901 (415) 485-2265 www.bankofmarin.com Bank of Marin 999 Andersen Dr. San Rafael CA 94901 (415) 259-0365 www.bankofmarin.com Bank of Marin 4460 Redwood Hwy. San Rafael CA 94903 (415) 472-2265 www.bankofmarin.com Bank of Marin 3 Harbor Dr. Sausalito CA 94965 (415) 289-8710 www.bankofmarin.com Bank of the West 494 Magnolia Blvd. Larkspur CA 94939 (415) 924-9313 www.bankofthewest.com Bank of the West 1313 Grant Ave. Novato CA 94945 (415) 897-1131 www.bankofthewest.com
North Bay Business Resource Guide 2009
Chase 401 Sir Francis Drake Blvd. Greenbrae CA 94904 (415) 461-7794
First Federal Savings & Loan 1030 Third St. San Rafael CA 94901 (415) 456-6231
Chase 1595 Grant Ave. Novato CA 94945 (415) 892-4731 www.wamu.com
First Republic Bank 1099 Fourth St. San Rafael CA 94901 (415) 485-3888
Chase 251 Vintage Way Novato CA 94945 (415) 897-5134 Chase 1535 Tiburon Blvd. Tiburon CA 94920 (415) 435-5051 Circle Bank 1400-A Grant Ave. Novato CA 94945 (415) 898-5400 www.circlebank.com Circle Bank 1200 Fifth Ave. San Rafael CA 94901 (415) 526-5400 www.circlebank.com Citibank 230 Bon Air Ctr. Greenbrae CA 94904 (415) 461-3273 www.citibank.com Citibank 130 Throckmorton Ave. Mill Valley CA 94941 (415) 383-0511 www.citibank.com Citibank 101 Tiburon Blvd. Mill Valley CA 94941 (415) 381-6595 www.citibank.com Citibank 1525 Grant Ave. Novato CA 94945 (415) 892-4630 www.citibank.com Citibank 868 Sir Francis Drake Blvd. San Anselmo CA 94960 (415) 457-4321 www.citibank.com Citibank 1004 Northgate Dr. San Rafael CA 94903 (415) 479-1042 www.citibank.com
Luther Burbank Savings 1050 Fourth St. San Rafael CA 94901 (415) 457-6990 www.lutherburbanksavings.com Pacific National Bank 71 Throckmorton Ave. Mill Valley CA 94941 (415) 383-6110 www.pacificnational.com Presidio Bank 999 Fifth Ave., Ste. 300 San Rafael CA 94901 (415) 456-6000 www.presidiobank.com Sonoma Bank 1555 Grant Ave. Novato CA 94945 (415) 878-0155 www.snbank.com Sonoma Bank 1447 Fourth St. San Rafael CA 94901 (415) 457-9100 www.snbank.com Tamalpais Bank 71 Casa Buena Dr. Corte Madera CA 94925 (415) 526-6560 www.tambank.com
Tamalpais Bank 71 Casa Buena Dr. Corte Madra, CA 94925 415.526.6430 Dick Fletcher VP, Relationship Manager
Tamalpais Bank 575 Sir Francis Drake Blvd. Greenbrae, CA 94904
415.526.6435 Jaya Seaverdel Sordo VP, Relationship Manager
First Bank 1020 B St. San Rafael CA 94901 (415) 456-9420 www.firstbanks.com
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The kind of bank that still believes small businesses deserve big opportunities
We offer a comprehensive product portfolio with specific services, like cash management, investment options, equipment leasing, construction lending, real estate loans and lines of credit options for businesses. Meanwhile personal banking customers have access to adjustable and fixed-rate mortgages, checking and savings accounts. We work to find the right products for you. For more information, stop by your local Bank of the West branch or visit us online at www.bankofthewest.com.
Stacey Powers I 20 Petaluma Blvd. S. I (707) 766-9381 I Stacey.Powers@bankofthewest.com John Stimson I 20 Petaluma Blvd. S. I (707) 778-3308 I John.Stimson@bankofthewest.com Š2009 Bank of the West
The Benefits of Making Your Banker Your Friend hile every business has a bank, few have a banker. That’s because bankers are too often seen as obstacles standing between an entrepreneur and the bank’s vault. “You don’t do business with an institution. You do business with people. When you get a banker who believes in you, you can accomplish incredible things,” counsels Debbi Fields, founder and chair of the board of Mrs. Fields’ Cookies. The banker is the person who handles your account. A good relationship with him or her can provide access to credit, reduce fees and enhance your business opportunities via personal contacts. Relations between bankers and business owners are as varied as personal relationships, but the best ones all share trust and honest communication.
W
Why have a relationship? The biggest intangible in any loan request is the borrower, notes Mitch Hurly, vice president and manager at First Security Bank of Utah. The more secure a banker feels about a borrower’s integrity, the better the chances for loan approval. Good banker relationships can also result in performance bonds, letters of credit and the granting of credit lines. Tom Rose, co-owner of Marietta Industrial Enterprises Inc., a warehousing and transportation company in Marietta, Ohio, estimates he shaves 30 to 60 days off such transactions as getting loans or credit line extensions because of the close relationship established with his banker. When a deal’s window of opportunity is narrow, a quick bank approval can make all the difference. Bankers can also provide personal introductions to potential customers, suppliers, employees and investors because of their many connections in the community. “If bankers say nice things about us, it’s a tremendous reference,” emphasizes Sidney Green, president and CEO of Terra Tek, an environmental services firm in Salt Lake City, Utah. Green’s worked with the same bank since 1970, and his employees have benefited as well when they needed services such as auto loans and home mortgages.
There’s more involved than mailing out financials, however. Invite your banker to tour your facilities, recommends Scott Clark, author of Unleashing the Hidden Power of Your Growing Business. And, he warns, don’t extend the invitation just before you ask for a loan, as that will arouse suspicion. Call your banker when something important occurs, such as gaining a major account or a major competitor. Always put your comments down in writing in case the banker’s boss questions why something happened. It’s also valuable in the event your banker moves on, as the replacement can quickly become familiar with your situation if your file is up-to-date. Just like any relationship based on trust, this one requires time. Don’t ask for favors at the beginning. First give the bank your business and even try to bring in other accounts, which will create good will you can capitalize on later.
Find the right one Pivotal to establishing a good banking relationship is finding the right banker. First, look at a bank’s financials. A troubled or insolvent bank isn’t going to do you much good, no matter how carefully you nurture a relationship with one of its bankers. Deal with officers as high up in the organization as possible, since upper management tends not to change jobs as frequently. Many small and medium-sized banks cater specifically to small businesses, while some larger institutions have small business divisions. These banks tend to have bankers who are tuned into small business issues—exactly the type of banker you want. Once you choose your banker, consider him or her a friend, ally and consultant, but not necessarily a confidant. If something bad happens in your business, try to determine the cause and develop a plan for remedying the situation before talking to your banker. No business is perfect, so it’s unrealistic for a banker to want to know everything that’s happening.
Poor relations are common
What a banker wants to know
If banker relationships can be so beneficial, why do so many business owners suffer through poor ones or cultivate none at all? Often, entrepreneurs don’t understand the restraints and needs of bankers. Early in the food chain, a company’s capital should come from private investors, such as family and friends. Later, professional investors, such as venture capitalists, can be tapped. Only when the business has solid assets and a steady track record is it ready for a banker. Owners of emerging businesses often ask for too much too soon. Bankers, by law and temperament, aren’t investors. Risk and reward typically have a direct relationship—the higher the risk, the higher the reward. Investors decide to put money into an enterprise without guarantees they’ll get it back, because the rewards can be large if the business succeeds. However, lenders such as banks don’t have the same lucrative potential. Even if the money lent puts the borrower on the fast track to success, the most a banker can expect to get back is the capital (plus interest) in timely payments. Until the banker and entrepreneur speak on the same wavelength and understand each other’s vantage point, a good relationship can’t exist. Communication—or lack thereof—is probably the greatest area of weakness between entrepreneurs and bankers. When the news is bad, owners tend to shut down lines of communication, thinking the banker will be upset. While the banker may understandably be concerned, his/her reaction will be far less negative than if he/she isn’t told what’s going on. Not all weaknesses rest with the business owner, however. Bankers frequently change jobs, so many may be unfamiliar with their customers and wary of extending credit even when the company is deserving.
To maintain a good relationship with a banker, you must demonstrate professionalism and competence, says Henry W. Gardner, vice president at Bank One in Salt Lake City. According to Gardner, when a business owner asks for a loan, this is what a banker wants to know: • How much money do you want to borrow? • How will the money be used? • What primary source will generate funds to repay the loan, such as selling a building, selling inventory or increased business? • What is the secondary source of repayment, such as liquidation of equipment or injection of additional capital by the firm’s principal? • How will the loan be secured (collateral)? • Who will guarantee the loan? (The owner should be taking more risk than the banker.)
Creating a good relationship Clear, frequent, open lines of communication are a necessary component of a strong owner-banker relationship. Bankers usually require quarterly financials with a major review once a year. If a loan is based on inventory or accounts receivable, monthly financials may be needed. North Bay Business Resource Guide 2009
The three “Ts” of a good banking relationship Mitch Hurley, vice president and manager at First Security Bank of Utah, says banking relationships are built on the three Ts: Talk: For a relationship to thrive, the business owner needs to communicate regularly with the banker. The talk must be frank and open, even when reporting a negative development.?? Time: A trusted relationship takes time to grow. Don’t rush it, and don’t expect it to bear fruit immediately. Trust: With honest, frequent communication and time, trust develops, which is “the foundation of the relationship,” emphasizes Hurley. When trust exists on both sides, the relationship has the crucial component to make it a lasting one. ■
Source: U.S. Small Business Administration NorthBaybiz
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BANKS / SAVINGS & LOANS Tamalpais Bank 575 Sir Francis Drake Blvd. Greenbrae CA 94904 (415) 925-3390 www.tambank.com
Tamalpais Bank 851 Irwin St., Suite 100 San Rafael, CA 94901 415.526.6434 Thomas Nave
Tamalpais Bank 453 Miller Ave. Mill Valley CA 94941 (415) 526-1160 www.tambank.com
Tamalpais Bank 453 Miller Avenue Mill Valley, CA 94941 415.526.6432 Elaine Cramer VP, Relationship Manager
VP, Relationship Manager
Tamalpais Bank 1652 Tiburon Blvd. Tiburon CA 94920 (415) 526-6570 www.tambank.com Temecula Valley Bank 781 Lincoln Ave., Ste. 320 San Rafael CA 94901 (415) 257-5716 www.temvalbank.com
Tamalpais Bank 100 Sir Francis Drake Blvd. San Anselmo CA 94960 (415) 259-2727 www.tambank.com
US Bank 767 E. Blithedale Ave. Mill Valley CA 94941 (415) 388-4101 www.usbank.com
Tamalpais Bank 630 Las Gallinas Ave. San Rafael CA 94903 (415) 446-1859 www.tambank.com
US Bank 1711 Grant Ave. Novato CA 94945 (415) 899-7744 www.usbank.com
Tamalpais Bank 851 Irwin St., Ste. 100 San Rafael CA 94901 (415) 526-1140 www.tambank.com
US Bank 5720 Nave Dr. Novato CA 94949 (415) 382-4030 www.usbank.com
Tamalpais Bank 851 Irwin Street, Ste. 100 San Rafael, CA 94901 415.526.6431 Paul Barenfus VP, Relationship Manager
Tamalpais Bank 630 Las Gallinas Avenue San Rafael, CA 94903 415.526.6437 Mae Lacourse VP, Relationship Manager
US Bank 305 San Anselmo Ave. San Anselmo CA 94960 (415) 456-7830 www.usbank.com US Bank 3200 Northgate Mall San Rafael CA 94903 (415) 479-4804 www.usbank.com Vineyard Bank 1016 Irwin St. San Rafael CA 94901 (415) 524-1200 www.vineyardbank.com Wachovia 427 Corte Madera Town Ctr. Corte Madera CA 94925 (415) 924-1733 www.wachovia.com Wells Fargo 1590 Grant Ave. Novato CA 94945 (415) 892-1639 www.wellsfargo.com
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Wells Fargo Bank 1550 Tiburon Blvd. Belvedere CA 94920 (415) 435-5275 Wells Fargo Bank 525 Miller Ave. Mill Valley CA 94941 (415) 388-0713 www.wellsfargo.com Wells Fargo Bank 715 Bridgeway Sausalito CA 94965 (415) 332-3355 www.wellsfargo.com
Westamerica Bank 1515 Fourth St. San Rafael CA 94901 (415) 256-5480 www.westamerica.co Westamerica Bank 1 Harbor Dr. Sausalito CA 94965 (415) 289-0200 www.westamerica.com
NAPA â– BANKS / SAVINGS & LOANS
Westamerica Bank 1177 Magnolia Ave. Larkspur CA 94939 (415) 464-3600 www.westamerica.com
Bank of America 5085 Eucalyptus St. American Canyon CA 94503 (707) 648-5480 www.bankofamerica.com
Westamerica Bank 1222 Strawberry Village Mill Valley CA 94941 (415) 389-4800 www.westamerica.com
Bank of America 1429 Lincoln Ave. Calistoga CA 94515 (707) 942-6238 www.bankofamerica.com
Westamerica Bank 64 E. Blithedale Ave. Mill Valley CA 94941 (415) 389-4710 www.westamerica.com
Bank of America 1700 First St. Napa CA 94559 (707) 256-1710 www.bankofamerica.com
Westamerica Bank 7333 Redwood Blvd. Novato CA 94945 (415) 898-2003 www.westamerica.com
Bank of America 2 Financial Plz. Napa CA 94558 (707) 256-1731 www.bankofamerica.com
Westamerica Bank 402 Ignacio Blvd. Novato CA 94949 (415) 883-0180 www.westamerica.com
Bank of America 1001 Adams St. St. Helena CA 94574 (707) 967-4080 www.bankofamerica.com
Westamerica Bank 834 Sir Francis Drake Blvd. San Anselmo CA 94960 (415) 721-1169 www.westamerica.com
Bank of Napa 2007 Redwood Rd., Ste. 101 Napa CA 94558 (707) 257-7777 www.thebankofnapa.com
Westamerica Bank 1 Mitchell Blvd. San Rafael CA 94903 (415) 491-5930 www.westamerica.com
Bank of the West 1317 Lincoln Ave. Calistoga CA 94515 (707) 942-6291 www.bankofthewest.com
Westamerica Bank 1177 E. Francisco Blvd. San Rafael CA 94901 (415) 256-5444 www.westamerica.com
Bank of the West 3300 Jefferson St. Napa CA 94558 (707) 255-3310 www.bankofthewest.com
Westamerica Bank 1108 Fifth Ave. San Rafael CA 94901 (800) 848-1088 www.westamerica.com
Charter Oak Bank 600 Trancas St. Napa CA 94558 (707) 265-2000 www.charteroakbank.com
North Bay Business Resource Guide 2009
BANKS / SAVINGS & LOANS Charter Oak Bank 1050 Adams St. St. Helena CA 94574 (707) 265-2050 www.charteroakbank.com
Umpqua Bank 305 Soscol Ave. Napa CA 94559 (707) 265-3261 www.umpquabank.com
Westamerica Bank 1 Financial Plz. Napa CA 94558 (707) 255-8301 www.westamerica.com
Bank of America 1155 W. Steele Ln. Santa Rosa CA 95403 (707) 547-2809 www.bankofamerica.com
Chase 257 Soscol Ave. Napa CA 94559 (707) 254-1108
Umpqua Bank 1500 Soscol Ave. Napa CA 94558 (707) 257-8585 www.umpquabank.com
Westamerica Bank 1221 Imola Ave. Napa CA 94559 (707) 258-3120 www.westamerica.com
Bank of America 2420 Sonoma Ave. Santa Rosa CA 95405 (707) 547-2827 www.bankofamerica.com
Umpqua Bank 3271 Brown Valley Rd. Napa CA 94558 (707) 224-5417 www.umpquabank.com
Westamerica Bank 1400 Clay St. Napa CA 94559 (707) 258-3128 www.westamerica.com
Bank of America 7185 Healdsburg Ave. Sebastopol CA 95472 (707) 823-7878 www.bankofamerica.com
Umpqua Bank 1190 Airport Rd. Gateway Park, Ste. 100 Napa CA 94558 (707) 255-7526 www.umpquabank.com
Westamerica Bank 1000 Adam St. St. Helena CA 94574 (707) 968-3535 www.westamerica.com
Bank of America 35 W. Napa St. Sonoma CA 95476 (707) 939-3491 www.bankofamerica.com
Umpqua Bank 3626 Bel Aire Plz. Napa CA 94558 (707) 256-1966 www.umpquabank.com
Westamerica Bank 6470 Washington St. Yountville CA 94599 (707) 944-4422 www.westamerica.com
Bank of America 9024 S. Brooks Rd. Windsor CA 95492 (707) 837-7671 www.bankofamerica.com
US Bank 103 W. American Canyon Rd. American Canyon CA 94503 (707) 684-8594 www.usbank.com
SONOMA
Bank of Marin 8 Fourth St. Petaluma CA 94952 (707) 781-1810 www.bankofmarin.com
Citibank 605 Trancas St. Napa CA 94558 (707) 253-2211 www.citibank.com Citibank 1399 Railroad Ave. St. Helena CA 94574 (707) 963-9692 www.citibank.com Downey Savings and Loan 1312 Trancas St. Napa CA 94558 (707) 253-9920 First Bank of Napa 1505 Second St. Napa CA 94559 (707) 255-2462 www.firstbanks.com First Republic Bank 999 Adams St., Ste. 401 St. Helena CA 94574 (707) 968-0988 www.firstrepublic.com Mechanics Bank 433 Soscol Ave., Ste. B-161 Napa CA 94559 (707) 256-4343 www.mechbank.com Napa Community Bank 700 Trancas St. Napa CA 94558 (707) 227-9300 www.napacommunitybank.com Silicon Valley Bank 899 Adams St., Ste. G-2 St. Helena CA 94574 (707) 967-4825 www.svb.com Tri Counties Bank 7011 N. Main St. American Canyon CA 94503 (707) 647-1049 www.tcbk.com Umpqua Bank 3417 Broadway, Ste. J-2 American Canyon CA 94503 (707) 648-8188 www.umpquabank.com
US Bank 880 Jefferson St. Napa CA 94559 (707) 226-9391 www.usbank.com Wachovia 1310 Second St. Napa CA 94559 (707) 226-5521 www.wachovia.com Wachovia 1260 Trancas St. Napa CA 94558 (707) 226-7996 www.wachovia.com Wells Fargo Bank 3255 Jefferson St. Napa CA 94558 (707) 299-2220 www.wellsfargo.com Westamerica Bank 3421 Broadway St., Ste. E2 American Canyon CA 94503 (707) 558-1166 www.westamerica.com Westamerica Bank 1110 Washington St. Calistoga CA 94515 (707) 942-7400 www.westamerica.com
North Bay Business Resource Guide 2009
â– BANKS / SAVINGS & LOANS Atlantic Pacific Bank 3725 Westwind Blvd., Ste. 100 Santa Rosa CA 95403 (707) 236-1500 www.apbconnect.com Bank of America 502 Healdsburg Ave. Healdsburg CA 95448 (707) 431-4150 www.bankofamerica.com Bank of America 181 N. McDowell Blvd. Petaluma CA 94954 (707) 766-2260 www.bankofamerica.com Bank of America 200 Kentucky St., Ste. A Petaluma CA 94952 (707) 769-2850 www.bankofamerica.com Bank of America 6545 Hunter Dr. Rohnert Park CA 94928 (707) 588-2950 www.bankofamerica.com Bank of America 10 Santa Rosa Ave., 1st Fl. Santa Rosa CA 95404 (707) 293-2268 www.bankofamerica.com
Bank of Marin 799 Baywood Dr. Petaluma CA 94954 (707) 781-2210 www.bankofmarin.com Bank of Marin 1371 N. McDowell Blvd. Petaluma CA 94954 (707) 658-4210 www.bankofmarin.com Bank of the West 6661 Front St. Forestville CA 95436 (707) 887-3320 www.bankofthewest.com Bank of the West 450 Center St. Healdsburg CA 95448 (707) 431-4100 www.bankofthewest.com Bank of the West 20 S. Petaluma Blvd. Petaluma CA 94952 (707) 778-3300 www.bankofthewest.com Bank of the West 311 N. McDowell Petaluma CA 94954 (707) 763-6821 www.bankofthewest.com
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“When you’re ready to lower your telecom expenses, Top Speed Data is ready to make it happen.”
President
We control and reduce telecom expenses for multi-location businesses. Dealing with telecom providers can be painful. As an independent telecom broker, Top Speed Data: • Represents over 30 telecom carriers • Develops unique network designs specific to your business • Provides unbiased quotes from multiple carriers • Reviews the strengths and weaknesses of each carrier • Passes all savings on to you • Project manages your network installation • Helps with expansion, cost control, billing and repair issues • Ensures local, national and international network support
Call for a network review to learn how we can streamline your network and reduce your telecom expenses.
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26 NorthBaybiz
North Bay Business Resource Guide 2009
Sponsored by Top Speed Data Communications
How to Reduce Your Telecom Bills By Anthy O’Brien
D
o you have a gut feeling you’re paying too much for telecom services? With all the industry changes, are you wondering if you even have the right services to run your business efficiently? Is your IT staff so busy with computer issues that you just can’t ask them to do one more thing? Don’t know what to ask or who to call? Truth is, if you haven’t had a professional review your telecom services in the last 18 to 24 months, chances are you’re overpaying by at least 20 percent. Here are a few ways to reduce your telecom bills while getting more value for services:
favorable terms on your current carrier’s existing net work or take advantage of new network services of a competitive carrier at a lower cost. • Understand your contracts. Know who all of your telecom providers are; know the contract lengths and renewal dates. • Check for “auto renew.” Some carrier have an “auto renew” clause in the fine print; if you miss the deadline to notify the carrier, you’re out of luck!
• Review all telecom bills annually: voice, data, wireless conference calling, GPS — any service that results in an invoice from a carrier provider.
• Get educated on new services. There are new services coming out monthly that are very affordable and, often, less expensive and better for your business!
• Identify “dead” lines. It is not unusual to find numerous lines that cannot be identified by anyone in the company. (Not unusual at all, especially for multi-location businesses with aver age employee turnover.) Dozens of “dead” but billed lines can often be disconnected with a substantial savings.
• Make sure IT and Accounting are communicating. IT and Accounting need to communicate about the reasonableness of the current bill at least twice a year. Have there been upgrades, disconnects or changes that would impact the bill?
• Match your most current contract to the first bill. Make sure that your very first bill, after a new contract goes into effect, has been reviewed for accuracy in detail and is correct. If it isn’t, the incorrect billing will very likely follow you throughout your entire contract, often not in your favor. If you’ve never looked at it before, pull it out and review it now. • Check your prices. The last two years have seen huge decreases in prices, but carriers won’t necessarily call you at the end of your contract to let you know that you should renew at lower prices. Shop for more North Bay Business Resource Guide 2009
• Don’t know who or what to ask? Have your IT Manager work with an independent tele com agent to review your contract at least annually against services currently available in the market from multiple carriers. Most independent telecom agents do not have fees for their review services, they work with multiple carriers on a daily basis, do all of the work and research and will pass all savings back to you, in addition to becoming your advocate to the carriers. Anthy O’Brien is President and CEO of Top Speed Data Communications, an Independent Telecom Agent and has been in the telecom industry for over 35 years. She can be contacted at 707-283-2710 ext. 727 or anthy@topspeeddata.com. NorthBaybiz
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BANKS / SAVINGS & LOANS Bank of the West 6301 State Farm Dr. Rohnert Park CA 94928 (707) 586-8000 www.bankofthewest.com Bank of the West 2801 Fourth St. Santa Rosa CA 95404 (707) 526-4044 www.bankofthewest.com Bank of the West 200 Coddingtown Mall Santa Rosa CA 95401 (707) 523-9600 www.bankofthewest.com Bank of the West 100 S. Main St. Sebastopol CA 95472 (707) 823-7411 www.bankofthewest.com Bank of the West 201 W. Napa St., Ste. 33 Sonoma CA 95476 (707) 938-3035 www.bankofthewest.com Chase 103 S. Cloverdale Blvd. Cloverdale CA 95425 (707) 894-8841 Chase 227 S. McDowell Blvd. Petaluma CA 94954 (707) 769-7525 Chase 201 Rohnert Park Expy. Rohnert Park CA 94928 (707) 588-0200 Chase 2245 Mendocino Ave. Santa Rosa CA 95403 (707) 525-5060 Chase 835 Fourth St. Santa Rosa CA 95404 (707) 576-3003 Chase 2700 Yulupa Ave. Santa Rosa CA 95405 (707) 523-1884 Chase 1301 Guerneville Rd. Santa Rosa CA 95403 (707) 525-0250 Chase 760 Stony Point Rd. Santa Rosa CA 95407 (707) 527-0749 Chase 2300 Sonoma Ave. Santa Rosa CA 95405 (707) 576-3063
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Chase 501 Broadway Sonoma CA 95476 (707) 996-1082 Circle Bank 35 E. Washington St. Petaluma CA 94952 (707) 559-7200 www.circlebank.com Circle Bank 19 Old Courhouse Sq. Santa Rosa CA 95404 (707) 303-1300 www.circlebank.com Citibank 2769 Fourth St. Santa Rosa CA 95405 (707) 528-6103 www.citibank.com Citibank 745 Coddingtown Ctr. Santa Rosa CA 95401 (707) 544-8131 www.citibank.com Citibank 290 B St. Santa Rosa CA 95401 (707) 528-9201 www.citibank.com Citibank 328 N. Main St. Sebastopol CA 95472 (707) 829-8939 www.citibank.com Citibank 19245 Sonoma Hwy. Sonoma CA 95476 (707) 935-8104 www.citibank.com Comerica Bank 703 Second St., Ste. 414 Santa Rosa CA 95404 (707) 636-3214 www.comerica.com Downey Savings and Loan 4620 Sonoma Hwy. Santa Rosa CA 95409 (707) 537-2003 www.downeysavings.com Downey Savings and Loan 2527 Guerneville Rd. Santa Rosa CA 95401 (707) 525-4471 www.downeysavings.com Exchange Bank 116 S. Cloverdale Blvd. Cloverdale CA 95425 (707) 894-4900 www.exchangebank.com
Exchange Bank 8220 Old Redwood Hwy. Cotati CA 94931 (707) 795-5481 www.exchangebank.com
Exchange Bank 136 Calistoga Rd. Santa Rosa CA 95409 (707) 539-1505 www.exchangebank.com
Exchange Bank 1031 Vine St. Healdsburg CA 95448 (707) 433-0400 www.exchangebank.com
Exchange Bank 2727 Yulupa Ave. Santa Rosa CA 95405 (707) 524-3066 www.exchangebank.com
Exchange Bank 2 E. Washington St. Petaluma CA 94952 (707) 762-5556 www.exchangebank.com
Exchange Bank 499 Stony Point Rd. Santa Rosa CA 95401 (707) 524-3044 www.exchangebank.com
Exchange Bank 369 S. McDowell Blvd. Petaluma CA 94954 (707) 769-2299 www.exchangebank.com
Exchange Bank 720 N. Gravenstein Hwy. Sebastopol CA 95472 (707) 823-3800 www.exchangebank.com
Exchange Bank 701 Sonoma Mtn. Pkwy., Ste. D-2 Petaluma CA 94954 (707) 766-1540 www.exchangebank.com
Exchange Bank 435 W. Napa St. Sonoma CA 95476 (707) 938-8358 www.exchangebank.com
Exchange Bank 6290 Commerce Blvd. Rohnert Park CA 94928 (707) 584-7300 www.exchangebank.com
Exchange Bank 8700 Lakewood Dr. Windsor CA 95492 (707) 838-6631 www.exchangebank.com
Exchange Bank 545 Fourth St. Santa Rosa CA 95401 (707) 524-3301 www.exchangebank.com
First Community Bank 100 Second St. Petaluma CA 94952 (707) 636-9030
Exchange Bank 2201 Mendocino Ave. Santa Rosa CA 95403 (707) 524-3011 www.exchangebank.com Exchange Bank 400 Dutton Ave. Santa Rosa CA 95407 (707) 524-3033 www.exchangebank.com Exchange Bank 1300 Guerneville Rd. Santa Rosa CA 95403 (707) 524-3055 www.exchangebank.com Exchange Bank 2416 Montgomery Dr. Santa Rosa CA 95405 (707) 524-3022 www.exchangebank.com Exchange Bank 500 Larkfield Ctr. Santa Rosa CA 95403 (707) 524-3077 www.exchangebank.com
www.fcbconnect.com
First Community Bank 157 North McDowell Blvd. Petaluma CA 94954 (707) 636-9000 www.fcbconnect.com
First Community Bank 6580 Oakmont Dr. Santa Rosa CA 95409 (707) 636-9020 www.fcbconnect.com
First Community Bank 438 First St. Santa Rosa CA 95401 (707) 636-9000 www.fcbconnect.com
North Bay Business Resource Guide 2009
BANKS / SAVINGS & LOANS First Republic Bank 640 Third St. Santa Rosa CA 95404 (707) 544-8881 www.firstrepublic.com
Sonoma Bank 1211-A W. College Ave. Santa Rosa CA 95401 (707) 566-3800 www.snbank.com
Summit State Bank 8836 Lakewood Dr. Windsor CA 95492 (707) 568-4965 www.summitstatebank.com
Wells Fargo Bank 200 B St. Santa Rosa CA 95401 (707) 584-3114 www.wellsfargo.com
Jackson Hewitt Tax Service 453 Stony Point Rd. Santa Rosa CA 95401 (707) 573-9828 www.jacksonhewitt.com
Sonoma Bank 801 Fourth St. Santa Rosa CA 95404 (707) 579-2265 www.snbank.com
US Bank 6500 Commerce Blvd. Rohnert Park CA 94928 (707) 586-5476 www.usbank.com
Westamerica Bank 129 N. Cloverdale Blvd. Cloverdale CA 95425 (707) 894-1530 www.westamerica.com
Luther Burbank Savings 804 Fourth St. Santa Rosa CA 95404 (707) 578-9216 www.lutherburbanksavings.com
Sonoma Bank 201 N. Main St. Sebastopol CA 95472 (707) 827-2265 www.snbank.com
US Bank 50 Old Courthouse Sq., Lobby Fl. Santa Rosa CA 95404 (707) 545-8080 www.usbank.com
Westamerica Bank 16265 Main St. Guerneville CA 95446 (707) 869-0665 www.westamerica.com
North Coast Bank 412 Center St. Healdsburg CA 95448 (707) 431-8800 www.northcoastbank.com
Sonoma Bank 135 W. Napa St., Ste. 101 Sonoma CA 95476 (707) 935-7800 www.snbank.com
US Bank 2308 Magowan Dr. Santa Rosa CA 95405 (707) 526-5400 www.usbank.com
Westamerica Bank 511 Healdsburg Ave. Healdsburg CA 95448 (707) 473-4390 www.westamerica.com
North Coast Bank 8733 Lakewood Dr. Windsor CA 95492 (707) 838-8000 www.northcoastbank.com
Sonoma Bank 9078 Brooks Rd. Windsor CA 95492 (707) 837-2100 www.snbank.com
US Bank 531 W. Fifth St. Sonoma CA 95476 (707) 938-5666 www.usbank.com
Westamerica Bank 200 Washington St. Petaluma CA 94952 (707) 769-5500 www.westamerica.com
North Valley Bank 100 B St., Ste. 110 Santa Rosa CA 95401 (707) 522-5480
Sonoma Valley Bank 13751 Arnold Dr. Glen Ellen CA 95442 (707) 935-4160 www.sonomavalleybank.com
Wachovia 301 Washington St. Petaluma CA 94952 (707) 763-2222 www.wachovia.com
Westamerica Bank 203 S. McDowell Blvd. Petaluma CA 94954 (707) 766-7880 www.westamerica.com
Sonoma Valley Bank 18615 Sonoma Hwy. Sonoma CA 95476 (707) 939-7300 www.sonomavalleybank.com
Wachovia 1201 Guerneville Rd. Santa Rosa CA 95403 (707) 546-8370 www.wachovia.com
Westamerica Bank 300 Rohnert Park Expy. Rohnert Park CA 94928 (707) 586-3110 www.westamerica.com
Sonoma Valley Bank 202 W. Napa Sonoma CA 95476 (707) 935-3200 www.sonomavalleybank.com
Wells Fargo Bank 125 Western Ave. Petaluma CA 94952 (707) 762-4588 www.wellsfargo.com
Westamerica Bank 111 Santa Rosa Ave., Ste. 100 Santa Rosa CA 95404 (707) 576-3600 www.westamerica.com
www.novb.com
Presidio Bank 703 Second St., Ste. 210 Santa Rosa CA 95404 (707) 293-2950 www.presidiobank.com Silicon Valley Bank 3700 Old Redwood Hwy., Ste. 220 Santa Rosa CA 95403 (707) 535-5060 www.svb.com Sonoma Bank 1115 Vine St. Healdsburg CA 95448 (707) 431-8866 www.snbank.com Sonoma Bank 701-B Sonoma Mountain Pkwy. Petaluma CA 94954 (707) 781-2265 www.snbank.com Sonoma Bank 201 Western Ave. Petaluma CA 94952 (707) 763-4555 www.snbank.com Sonoma Bank 6641 Oakmont Dr. Santa Rosa CA 95409 (707) 538-9370 www.snbank.com
Summit State Bank 701 Sonoma Mountain Pkwy., Ste. C-13 Petaluma CA 94954 (707) 283-1120 www.summitstatebank.com
Craig Ahlswede Staff Resources can help simplify your business, by removing from you the burden of payroll, benefits, risk management, and other human resources tasks. Often, we can even save you money in the process! Our time-tested systems and philosophies allow you to focus on your business and leave the "business of employment" to us. Call Craig to learn how we can help you.
Summit State Bank 6305 Commerce Blvd. Rohnert Park CA 94928 (707) 568-4955 www.summitstatebank.com Summit State Bank 2300 Midway Dr. Santa Rosa CA 95405 (707) 568-4975 www.summitstatebank.com
Summit State Bank 500 Bicentennial Way Santa Rosa CA 95403 (707) 568-6100 www.summitstatebank.com
North Bay Business Resource Guide 2009
Staff Resources, Inc. 707 480-6950 www.staffresources.com
NorthBaybiz
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BANKS (CONT.)
CREDIT UNIONS
Westamerica Bank 2498 Guerneville Rd. Santa Rosa CA 95403 (707) 576-3694 www.westamerica.com
MARIN
Westamerica Bank 424 Farmers Ln. Santa Rosa CA 95405 (707) 576-3670 www.westamerica.com Westamerica Bank 105 N. Main St. Sebastopol CA 95472 (707) 823-7841 www.westamerica.com Westamerica Bank 800 N. Guerneville Hwy. Sebastopol CA 95472 (707) 823-8000 www.westamerica.com
You can go to our website and add your business for FREE to our online business directory. This will ensure your company’s inclusion in future Resource Guide publications. Simply visit www.northbaybiz.com and click on North Bay
Patelco Credit Union 140 Vintage Way, Ste. G-9 Novato CA 94945 (415) 893-1233 www.patelco.org Redwood Credit Union 1010 Grant Ave. Novato CA 94945 (800) 479-7928 www.redwoodcu.org Redwood Credit Union 209 Third St. San Rafael CA 94901 (800) 479-7928 www.redwoodcu.org
NAPA 1st Pacific Credit Union 101 W. American Canyon Rd., Ste. 514 American Canyon CA 94503 (800) 273-6428 1st Pacific Credit Union 3183 Jefferson St. Napa CA 94558 (800) 273-6428 www.1stpacific.org
Golden 1 Credit Union 1150 Imola Ave. Napa CA 94559 (707) 254-1183 www.golden1.com
Patelco Credit Union 6450 Hembree Ln., Ste. 140 Windsor CA 95492 (800) 358-8228 www.patelco.org
Redwood Credit Union 1705 First St. Napa CA 94559 (707) 545-4000 www.redwoodcu.org
Redwood Credit Union 1129 S. Cloverdale Blvd., Ste. A Cloverdale CA 95425 (707) 545-4000 www.redwoodcu.org
Travis Credit Union 3263 Claremont Way Napa CA 94558 (707) 469-1715 www.traviscu.org
Redwood Credit Union 301 N. McDowell Blvd. Petaluma CA 94954 (707) 545-4000 www.redwoodcu.org
SONOMA
Redwood Credit Union 250 Rohnert Park Expy. Rohnert Park CA 94928 (707) 545-4000 www.redwoodcu.org
Addison Avenue 2500 Mendocino Ave., Ste. C Santa Rosa CA 95403 (707) 578-2473 www.addisonavenue.com
Redwood Credit Union 2360 Mendocino Ave., Ste. A-4 Santa Rosa CA 95403 (707) 545-4000 www.redwoodcu.org
Addison Avenue 1400 Fountaingrove Pkwy. Santa Rosa CA 95403 (707) 573-4651 www.addisonavenue.com Cal State Central Credit Union 6425 Redwood Dr. Rohnert Park CA 94928 (707) 546-6311 www.csccu.org Cal State Central Credit Union 1205 N. Dutton Ave. Santa Rosa CA 95401 (707) 546-6311 www.csccu.org Cal State Central Credit Union 500 W. Napa, Ste. 542 Sonoma CA 95476 (707) 546-6311 www.csccu.org
Financing ŀ Appraisal ŀ Leasing ŀ Insurance
The agriculture industry is more capital intensive than ever before — and more competitive. That’s why
Community First Credit Union 501 College Ave. Santa Rosa CA 95404 (707) 546-6000 www.comfirstcu.org
some of the most successful operations work with American AgCredit. We truly specialize in agricultural financing, with the right products and services to meet the unique needs of vintners & ranchers.
Community First Credit Union 70 Stony Point Rd. Santa Rosa CA 95401 (707) 546-6000 www.comfirstcu.org
(800) 800-4869 www.agloan.com Lending to Agribusiness & Agriculture for over 90 years In a business defined by variables, we’ve offered the one constant you can depend on since 1916.
Part of the Nationwie Farm Credit System. Equal Opportunity Lender.
30 NorthBaybiz
Patelco Credit Union 985 Golf Course Dr. Rohnert Park CA 94928 (800) 358-8228 www.patelco.org Patelco Credit Union 3569 Industrial Dr. Santa Rosa CA 95403 (800) 358-8228 www.patelco.org
Redwood Credit Union 2763 Fourth St. Santa Rosa CA 95405 (707) 545-4000 www.redwoodcu.org Redwood Credit Union 1055-A W. College Ave. (707) 545-4000 www.redwoodcu.org Redwood Credit Union Administrative Offices & Branch 3033 Cleveland Ave., Ste. 100 Santa Rosa CA 95403 (707) 545-4000 www.redwoodcu.org Redwood Credit Union 8945 S. Brooks Rd., Ste. 111 Windsor CA 95492 (707) 545-4000 www.redwoodcu.org Sonoma Federal Credit Union 1126 Montgomery Dr. Santa Rosa CA 95405 (707) 527-6216 www.sonomafed.com
You can go to our website and add your business for FREE to our online business directory. This will ensure your company’s inclusion in future Resource Guide publications. Simply visit www.northbaybiz.com and click on North Bay
North Bay Business Resource Guide 2009
INVESTMENTS MARIN ■ ESTATE & FINANCIAL PLANNING ARIS 1050 Northgate Dr. San Rafael CA 94903 (415) 492-1980 Abel Financial 4040 Civic Center Dr. San Rafael CA 94903 (415) 492-4510 AGA Financial 4040 Civic Center Dr., Ste. 200 San Rafael CA 94903 (415) 492-4525 Alan B. Jonas, CFP(R), CLTC 40 Regina Way San Rafael CA 94903 (415) 479-7645 Allstate Financial Services 905 Sir Francis Drake Blvd., Ste. D Kentfield CA 94904 (415) 233-4466 Atherton Wealth Management 2 Ranch Dr. Novato CA 94945 (415) 898-4439 www.athertonwm.com Bickenbach and Associates 100 Smith Ranch Rd., Ste. 104 San Rafael CA 94903 (415) 492-8300 Bob Goldman Financial Planning 180 Harbor Dr., Ste. 205 Sausalito CA 94965 (415) 331-1546 www.bgplanning.com
Gary F. Thomas 4040 Civic Center Dr., Ste. 200 San Rafael CA 94903 (415) 459-5150
Strategic Financial 999 Fifth Ave. San Rafael CA 94901 (415) 258-1776
Argonaut Investments 770 Tamalpais Dr., Ste. 401B Corte Madera CA 94925 (415) 721-7733
Gem Capital, LLC 83 Beach Rd. Belvedere CA 94920 (415) 435-5601
Taddei, Ludwig & Associates, Inc. 999 Fifth Ave. San Rafael CA 94901 (415) 456-2292 www.tlafinancial.com
Arsenio & Associates 60 E. Sir Francis Drake Blvd. Larkspur CA 94939 (415) 461-4350
Gerhart Associates 68 Mitchell Blvd., Ste. 210 San Rafael CA 94903 (415) 492-1120 Glikman/Associates 55 Shaver St., Ste. 230 San Rafael CA 94901 (415) 456-0448 Innovative Settlements / Fiedler Financial 336 Bon Air Ctr., Ste. 442 Greenbrae CA 94904 (800) 905-0114 www.innovativesettlements.com Institute on Aging-Care Management and Fiduciary Svcs. 1005 A St., Ste. 207 San Rafael CA 94901 (415) 456-8692 www.ioaging.org JL Franklin Wealth Planning 900 Larkspur Landing Cir., Ste. 185 Larkspur CA 94939 (415) 925-3400 www.jlfwealth.com Joseph Stemach 48 Corte Madera St. Greenbrae CA 94904 (415) 461-5091 Joseph Zimmer Financial Advisor 3030 Bridgeway, Ste. 420 Sausalito CA 94965 (415) 339-9220
Boyer and Cobert Financial Group 1100 Larkspur Landing Cir., Ste. 250 Larkspur CA 94939 (415) 461-4143 www.boyerandcobertfinancialgroup.com
Kipling Capital 100 Shoreline Hwy. Mill Valley CA 94941 (415) 339-4080
Capital Defeasance Group, LLC 7595 Redwood Blvd. Novato CA 94945 (415) 898-6100
Private Capital Corp. 7599 Redwood Blvd., Ste. 210 Novato CA 94945 (415) 897-6220
Cynthia Nowicki Moore, CFP 591 Redwood Hwy., Ste. 5280 Mill Valley CA 94941 (415) 389-9105
Ross Valley Capital 251 Sir Francis Drake Blvd. San Anselmo CA 94960 (415) 721-7498 www.rossvalleycapital.wbsec.com
Friedman & Associates 1744 Novato Blvd., Ste. 200 Novato CA 94947 (415) 493-5900 www.friedmanassociates.com
Scheffler Financial Services, Inc. 3 Heron Dr. Mill Valley CA 94941 (415) 380-1713 Select Capital Strategies 250 Bel Marin Keys Blvd. Novato CA 94949 (415) 382-8200
North Bay Business Resource Guide 2009
Tamalpais Property Management 465 Magnolia Ave. Larkspur CA 94939 (415) 927-7368 www.tamprop.com Trademark Capital Services 101 Larkspur Landing Cir., Ste 116 Larkspur CA 94939 (415) 461-4427 www.tcs-insurance.com Wealth By Design, LLC 3030 Bridgeway, Ste. 109 Sausalito CA 94965 (415) 332-1840 www.wealthbydesignonline.com Woodbury Financial Services 43 Cavalla Cay Novato CA 94949 (415) 883-1520 World Pension Forum 300 Drakes Landing Rd. Greenbrae CA 94904 (415) 925-8200
■ WEALTH MANAGEMENT Abunda Financial 1100 Larkspur Landing Cir., Ste. 101 Larkspur CA 94939 (415) 339-8944 Alcaraz Marketing, Inc. 301 Georgia Santa Rosa CA 94590 (707) 557-6677 Alders Financial Solutions 1701 Novato Blvd., Ste. 304 Novato CA 94947 (415) 892-7766 American Blue Chip Investment Management 700 Larkspur Landing Cir., Ste. 199 Larkspur CA 94939 (415) 461-1981 Ameriprise Financial Services, Inc. 185 N. Redwood Dr., Ste. 160 San Rafael CA 94903 (415) 492-1723 Annadel Capital 899 Northgate Dr. San Rafael CA 94903 (415) 499-1964
Associated Securities Corp. 4420 Paradise Dr. Tiburon CA 94920 (800) 794-2250 Aster Investment Management 60 E. Sir Francis Drake, Ste. 306 Larkspur CA 94939 (415) 461-8770 Aston Asset Management 200 Tamal Plaza Dr. Corte Madera CA 94925 (415) 927-9099 Beckman Investment Securities, A Division of Emmett A Larkin Co., Inc. 41 Galleon Way San Rafael CA 94903 (415) 479-2874 Bloomberg Hermeneutics 2200 Bridgeway Sausalito CA 94965 (415) 332-3104 Blue River Asset Management 83 Beach Rd. Belvedere CA 94920 (415) 435-5600 Broadwing Capital Advisors 18 E. Blithedale, Ste. 22 Mill Valley CA 94941 (415) 381-7555 Brouwer & Janachowski, LLC 1831 Tiburon Blvd. Tiburon CA 94920 (415) 435-8330 www.fundmastery.com Business Cents 1608 Sir Francis Blvd. San Anselmo CA 94960 (415) 785-4095 www.bcents.com Cambridge Investment & Research 75 Red Hill Cir. Tiburon CA 94920 (415) 435-6373 Capital Capital Advisors 21 Ward St., Ste. 7 Larkspur CA 94939 (415) 924-4949 www.capitalcapital.com Chidlaw Financial 1010 B St. San Rafael CA 94901 (415) 453-0939
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INVESTMENTS Coleman Partners 300 Tamal Plaza Dr. Corte Madera CA 94925 (415) 945-5400 Conquest Capital 100 Shoreline Hwy. Sausalito CA 94965 (415) 331-3066 Cross Enterprises 5 Verbena Ct. San Rafael CA 94903 (415) 472-6778
Girton Capital Management, Inc. 7 La Rosa Way Larkspur CA 94939 (415) 927-4484 www.girtoncapital.com
Lamont Financial Services 1400 Grant Ave., Ste. 101 Novato CA 94945 (415) 897-8802 www.lamontfinancial.com
Greenstone Partners & Co. 80 E. Sir Francis Drake Blvd. Larkspur CA 94939 (415) 925-1583
Larkspur Financial Advisors 100 Tamal Plz. Corte Madera CA 94925 (415) 924-6703 www.larkspurfinancialadvisors.com
Hangar 4 Partners 6 Hamilton Landing Novato CA 94949 (415) 382-4380
Drake Property Group 475 Gate 5 Rd., Ste. 212 Sausalito CA 94965 (415) 332-2950 www.drakepropertygroup.com
Hawthorne Financial Advisors 4040 Civic Center Dr., Ste. 200 San Rafael CA 94903 (415) 259-6675
Eaton Capital Corp. 7 Fielding Cir. Mill Valley CA 94941 (415) 381-4300
Hearth Capital Management P.O. Box 190 Mill Valley CA 94942 (415) 381-3642
Edward Jones 1300 Grant Ave., Ste. 101 Novato CA 94945 (415) 897-2199
Hennessy Advisors, Inc. 7250 Redwood Blvd., Ste. 200 Novato CA 94945 (800) 966-4354 www.hennessyfunds.com
Edward Jones Jennifer Butters, FA 4340 Redwood Hwy., Ste. D-305 San Rafael CA 94903 (415) 472-7734
Hermes Econometrics 1101 Fifth Ave., Ste. 270 San Rafael CA 94901 (415) 454-4184
Emeritus Investment Management, Inc. 254 Miller Ave. Mill Valley CA 94941 (415) 388-3830 www.emeritusinvestment.com
Hutchinson Capital Management 700 Larkspur Landing Cir., Ste. 126 Larkspur CA 94939 (415) 464-5650 www.hutchinsoncapital.com
Equius Partners, Inc. 4 Hamilton Landing, Ste. 205 Novato CA 94949 (415) 382-2500 www.EquiusPartners.com
J P Asset Management 770 Tamalpais Dr., Ste. 401-B Corte Madera CA 94925 (415) 945-2473
Financial Connections Group, Inc. 790 Mission Ave. San Rafael CA 94901 (415) 456-9600 Financial Solutions 3 Maxwell Ln. Mill Valley CA 94941 (415) 388-9730 Forma Forza, Inc. 3030 Bridgeway Sausalito CA 94965 (415) 331-4311 Gary A. Dossick & Associates 55 Forbes Ave. San Anselmo CA 94960 (415) 455-1055 www.gadossick.com GBS Financial Corp. 3030 Bridgeway, Ste. 113 Sausalito CA 94965 (415) 331-8900 www.gbsfinancial.com 32 NorthBaybiz
JCA Partners 700 Larkspur Landing Cir. Larkspur CA 94939 (415) 925-2191 Jeff Towns, Financial Advisor 945 Front St. Novato CA 94945 (415) 898-3234 KCM Investment Advisors, LLC 750 Lindaro St., Ste. 250 San Rafael CA 94901 (415) 461-7788 www.kcmadvisors.com Kenneth P. Tarrant - Citi-Smith Barney, Inc. 750 Lindaro St., Ste. 300 San Rafael CA 94901 (415) 482-2708 www.smithbarney.com
Next Level Financial Group 422 Pine Sausalito CA 94965 (415) 332-1622
Laurence G. Kraus & Associates P.O. Box 259 Belvedere CA 94920 (415) 435-3174 Litman Gregory & Co. 100 Larkspur Landing Cir., Ste. 204 Larkspur CA 94939 (415) 461-8999 www.lgam.com
North Coast Partners 4340 Redwood Hwy., Ste. D301 San Rafael CA 94903 (415) 308-0051 Northern Trust, NA 575 Redwood Hwy., Ste. 100 Mill Valley CA 94941 (415) 381-5100 www.ntrs.com Olesky Capital Management 461 W. Live Oak Dr. Mill Valley CA 94941 (415) 388-5701 www.oleskycapital.com Paulson Investment Co. 7075 Redwood Blvd., Ste. D Novato CA 94945 (415) 892-9398
LPJAM Investments, LLC 108 Mariner Green Dr. Corte Madera CA 94925 (415) 927-2757
Pete R. Ashby 58 Paul Dr. San Rafael CA 94903 (415) 491-1569
Mainstreet Research 670 Bridgeway Sausalito CA 94965 (415) 289-0745
Porta Investment Management 1817 Capitol Vallejo CA 94590 (707) 643-7678
Marin Capital Management 4040 Civic Center Dr. San Rafael CA 94903 (415) 492-2885 Marin Financial Advisors 80 E. Sir Francis Drake Blvd., Ste. 1-A Larkspur CA 94939 (415) 925-1212 www.mfawebsite.com
Quantum Capital Management, Inc. 770 Tamalpais Dr., Ste. 204 Corte Madera CA 94925 (415) 927-8430 www.quantumcap.com Raub Brock Capital 700 Larkspur Landing Cir., Ste. 240 Larkspur CA 94939 (415) 927-6990 www.raubbrock.com
Marin Wealth Management 100 Drakes Landing Rd. Greenbrae CA 94904 (415) 461-7754 MBF Capital Management, Inc. 100 Shoreline Hwy., Ste. 185 Mill Valley CA 94941 (415) 289-3939 Mercury Securities 1101 Fifth Ave. San Rafael CA 94901 (415) 454-4120
Raymond James Financial Services, Inc. 101 Larkspur Landing Cir., Ste. 220 Larkspur CA 94939 (415) 461-6248 www.raymondjames.com Rayner & Haynor 655 Redwood Hwy., Ste. 370 Mill Valley CA 94941 (415) 332-7433 www.raynerhaynor.com
Metakon Associates 255 Clorinda Ave. San Rafael CA 94901 (415) 454-9866
Reedland Capital Partners 30 Sunnyside Ave. Mill Valley CA 94941 (415) 383-4700 www.reedland.com
Morgan Stanley 1101 Fifth Ave. San Rafael CA 94901 (415) 451-1400 www.morganstanley.com National Retirement Partners, Inc. 945 Front St. Novato CA 94945 (415) 898-7400
Ritter Wealth Council 25 Mitchell Blvd., Ste. 1 San Rafael CA 94903 (415) 479-3525
North Bay Business Resource Guide 2009
INVESTMENTS Robert V. Horowitz 300 Tamal Plaza Dr., Ste. 180 Corte Madera CA 94925 (415) 927-7871 www.rhwm.com
TLC Investment Management 4 Oak Forest Rd. Novato CA 94949 (415) 234-6320 www.tlcinvestmentmanagement.com
Salient Wealth Management 750 Lindaro St., Ste. 130 San Rafael CA 94901 (415) 526-2900 www.salientwealth.com
Tradewinds Investment Management, LLP 3 Harbor Dr. Sausalito CA 94965 (415) 289-0500
Schmitz & Associates 655 Redwood Hwy. Mill Valley CA 94941 (415) 381-9075
Trek Capital Management, LLC 80 E. Sir Francis Drake Blvd., Ste 3-F Larkspur CA 94939 (415) 461-8120
Sienna Ventures 2330 Marinship Way, Ste. 130 Sausalito CA 94965 (415) 339-2800
Trek Investment Advisors 181 Third St. San Anselmo CA 94960 (415) 457-5631
Smith Barney 750 Lindaro St., Ste. 300 San Rafael CA 94901 (415) 460-6207 www.branches.smithbarney.com/marin
Wells Fargo Advisors 1099 D St. San Rafael CA 94901 (415) 454-9770
Spectrum Financial Management 899 Northgate Dr., Ste. 305 San Rafael CA 94903 (415) 472-7300 www.spectrumfinancialmgmt.com Sperry Capital 475 Gate 5 Rd. Sausalito CA 94965 (415) 339-9201 Springbok Partners 80 E. Sir Francis Drake Blvd. Larkspur CA 94939 (415) 464-9960 Tamalpais Wealth Advisors 630 Las Gallinas Ave. San Rafael CA 94903 (415) 526-4300 www.tamwealthadvisors.com Terrapin Investments 311 Miller Ave. Mill Valley CA 94941 (415) 388-5436
Wells Fargo Advisors 781 Lincoln Ave., Ste. 160 San Rafael CA 94901 (415) 482-0839 West Highland Capital, Inc. 300 Drakes Landing Rd. Greenbrae CA 94904 (415) 461-9453 William M. Taylor 37 Martling Rd. San Anselmo CA 94960 (415) 457-2214
NAPA ■ ESTATE & FINANCIAL PLANNING Hugh B. Phillips, CRP, CFS, ChFC 135 Camino Dorado, Ste. 2 Napa CA 94558 (888) 577-2489
The Headlands Group 100 Larkspur Landing Cir., Ste. 202 Larkspur CA 94939 (415) 464-9144
National Asset Management 2061 Monticello Rd. Napa CA 94558 (707) 257-1545 www.NAMAdvisorGuide.com
Tiburon Research 3 Harbor Dr. Sausalito CA 94965 (415) 331-5488
■ WEALTH MANAGEMENT
Edward Jones 1806 Jefferson St Napa, CA 94559 bill.lockhart@edwardjones.com Bill Lockhart Financial Advisor
707.258.8539
Harrington Investments 1001 Second St., Ste. 325 Napa CA 94559 (707) 252-6166 www.harringtoninvestments.com Harvest Financial 1728 Jefferson St. Napa CA 94559 (707) 257-7281 Merrill Lynch 1715 Second St. Napa CA 94559 (707) 255-5559 Morgan Stanley P.O. Box 3440 Napa CA 94558 (707) 252-7177 www.morganstanley.com Napa Wealth Management 1836 Second St. Napa CA 94559 (707) 252-1343 www.napawealth.com Profit-ability Financial Services 1325 W. Imola Ave., Ste. 520 Napa CA 94559 (707) 963-1122
Retirement Capital Strategies 3280 Villa Ln. Napa CA 94558 (707) 253-1195 www.rcsadvisor.com Sagemark Consulting 1700 Soscol Ave., Ste. 2 Napa CA 94559 (707) 253-7929 Soares Financial, Inc. 2033 First St. Napa CA 94559 (707) 255-6900 www.soaresfinancial.com Wachovia Securities, LLC 1400 Clay St., Ste. 100 Napa CA 94559 (707) 252-5700 www.wachoviasec.com Waddell & Reed 2140 Jefferson St., Ste. 200 Napa CA 94559 (707) 255-3733 www.waddell.com Wells Fargo Advisors 1455 First St., Ste. 201 Napa CA 94559 (707) 252-5700
SONOMA ■ ESTATE & FINANCIAL PLANNING Aden Financial Services 775 Baywood Dr. Petaluma CA 94954 (707) 765-2700
Anthony Angelo Cipolla Anthony Cipolla can help you identify your business and personal financial needs, then determine which insurance and financial products can best help you meet your objectives. Anthony Angelo Cipolla
Titus Wealth Management 700 Larkspur Landing Cir., Ste. 109 Larkspur CA 94939 (415) 461-4800 www.tituswealth.com
Edward Jones 1543 Third St. Napa CA 94559 (707) 258-0240
Financial Services Professional Agent, New York Life Insurance Company #Registered Representative offering securities through NYLIFE Securities LLC, Member FINRA/SIPC, a Licensed Insurance Agency.
CA License #0D61247
New York Life Insurance 2235 Mercury Way, Ste. 100 • Santa Rosa, Ca 95407
707.569.7134 • www.anthonycipolla.com North Bay Business Resource Guide 2009
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33
INVESTMENTS Allstate Financial Services 4623 Sonoma Hwy. Santa Rosa CA 95409 (707) 889-4132
Myers Dewitt 620 Broadway, Ste. A Sonoma CA 95476 (707) 933-1328
Ameriprise Financial / James Carabini, ChFC 846 Broadway Sonoma CA 95476 (707) 935-8222 www.ameriprise.com
New York Life - Anthony Cipolla 2235 Mercury Way, Ste. 100 Santa Rosa CA 95407 (707) 569-7134
Baxter Financial Services 25 Old Courthouse Sq. Santa Rosa CA 95404 (707) 528-6769 Beyer Financial Corp. 2841 Cleveland Ave., Ste. 12 Santa Rosa CA 95403 (707) 591-0929 Bridgeway Financial Advisors 620 Broadway Sonoma CA 95476 (707) 939-8360 H R Gorbach Financial Services 19401 Sleepy Hollow Ct. Sonoma CA 95476 (707) 996-4679 www.gorbachfinancial.com JW Financial Advisors 5656 Wild View Way Santa Rosa CA 95404 (707) 569-6243 www.northbayfinancialplanner.com
www.anthonycipolla.com Pierce Financial Group, Inc. 897 Wildwood Trail Santa Rosa CA 95409 (707) 538-1100 Richard Soennichsen, CFP 175 Concourse Blvd., Ste. A Santa Rosa CA 95403 (707) 526-2214 Thrivent Financial for Lutherans 5485 Bravo Toro Ln. Santa Rosa CA 95401 (707) 578-6850 www.thrivent.com Wasson Insurance Services 101 Golf Course Dr., Ste. 207 Rohnert Park CA 94928 (707) 206-9643 www.noworryretirement.com Yvonne Madson FIC, LUTCF Financial Consultant 5485 Bravo Toro Ln. Santa Rosa CA 95401 (707) 578-6850
Lincoln Financial Advisors 50 Santa Rosa Ave., Ste. 308 Santa Rosa CA 95404 (707) 523-4550
â– WEALTH MANAGEMENT
Marla Vickery Financial Associate 3017 Mono Dr. Santa Rosa CA 95403 (707) 322-2644
American Wealth Management, Inc. 765 Baywood Dr., Ste. 225 Petaluma CA 94954 (707) 763-1330
Irv Rothenberg,
CPA / PFS
Our mission is to enhance the quality of our clients lives by helping them envision and shape their financial future. Especially in difficult times, our team approach which is characterized by commitment, objectivity, integrity, competence, and accountability, can make a difference.
Comprehensive financial planning and investment advice Wealth Management Consultants, LLC 3550 Round Barn Blvd., Ste 212 Santa Rosa, CA 95403 707.542.3600 irv@wealthmc.com 34 NorthBaybiz
Annadel Capital 200 Fourth St., Ste. 300 Santa Rosa CA 95401 (707) 525-1333 www.annadelcapital.com
Edward Jones 755 Baywood Dr., Ste. 370 Petaluma CA 94954 (707) 763-1851
Asset Protection Strategies Group, Inc. 8733 Lakewood Dr., Ste. 210 Windsor CA 95492 (707) 837-7910 www.apsginc.com Beddow Capital Management, Inc. 250 Healdsburg Ave. Healdsburg CA 95448 (707) 431-0700 Bell Investment Advisors 2097 Stagecoach Rd., Ste. 230 Santa Rosa CA 95404 (707) 568-1477
Edward Jones 915 Golf Course Dr. Rohnert Park CA 94928 (707) 584-4146 Edward Jones 800 Mendocino Ave., Ste. 3 Santa Rosa CA 95401 (707) 542-7071 Edward Jones 3080 Marlow Rd. Santa Rosa CA 95403 (707) 528-3452 www.edwardjones.com Edward Jones 600 McDonald Ave., Ste. 100 Santa Rosa CA 95404 (707) 542-5370
Burke Investors 300 Tamal Plaza Dr. Corte Madera CA 94922 (415) 924-6767
Edward Jones Larry Wofford, FA 521 College Ave., Ste. 131 Santa Rosa CA 95404 (707) 542-4222
Charles Schwab & Co., Inc. 200 Fourth St., Ste. 100 Santa Rosa CA 95401 (707) 569-7801 www.schwab.com CitiSmithBarney 111 Santa Rosa Ave., Ste. 200 Santa Rosa CA 95404 (707) 571-5751
Edward Jones 2300 Bethards Dr., Ste. H Santa Rosa CA 95405 (707) 579-3784 www.edwardjones.com
Courtyard Finanicial 129 N. Cloverdale Blvd., Ste. 2 Cloverdale CA 95425 (707) 894-9085
Edward Jones 52 Mission Cir., Ste. 116 Santa Rosa CA 95409 (707) 539-1077
Crumbley Financial Services 6020 Commerce Blvd., Ste. 121 Rohnert Park CA 94928 (707) 585-9800
Edward Jones Casey Stromer 1151 Yulupa Ave. Santa Rosa CA 95405 (707) 576-1518 www.edwardjones.com
D.K.B. Wealth Management, Inc. 1211 N. Dutton Ave., Ste. K Santa Rosa CA 95401 (707) 578-5123 Dobson Asset Management 7 Fourth St., Ste. 25 Petaluma CA 94952 (707) 766-9254 Donald B. Lee Insurance & Senior Financial Services 483 Sierra Vista Rd. Santa Rosa CA 95401 (707) 576-1672 www.donleefinancial.com Edward Jones 204 G St., Ste. 102 Petaluma CA 94952 (707) 763-9673 www.edwardjones.com Edward Jones 247 N. McDowell Blvd. Petaluma CA 94954 (707) 778-7780
Edward Jones 1611 Terrace Way Santa Rosa CA 95404 (707) 575-0209 Edward Jones Scott P. Holder 170 Farmers Ln., Ste. 4 Santa Rosa CA 95405 (707) 576-1099 www.edwardjones.com Edward Jones 554 Broadway Sonoma CA 95476 (707) 935-1545 Edward Jones James Wandzilak 10 Maple St., Ste. 302 Sonoma CA 95476 (707) 935-0865
North Bay Business Resource Guide 2009
What to Expect From Your Wealth Adviser in Today’s Challenging Times By Henry Pilger and Joe Delaney e’re certainly experiencing challenging times in the financial markets around the world. Undoubtedly, they’re causing investors varying levels of stress and anxiety as a result. As an upshot of these challenges, there’s never been a better time to review and re-engage in the execution of your wealth plan. Here’s an analogy. Have you ever left on a trip to an unfamiliar area without getting directions? That’s when you find yourself in that stressful situation where you’re lost, the kids are hungry and your spouse is providing navigation input and saying “I told you so” in the same breath. It’s very stressful—and downright dangerous. Had you taken the time to plan the trip, all of it would be taken in stride because you had a plan in place. The same goes for wealth management. Reviewing your wealth plan now can help you adjust expectations. You’ll be able to make changes that can benefit you and your family over the long term, and uncover opportunities to transfer wealth under favorable conditions created by the current market conditions. In these rough economic times, a top priority for everyone should be to revisit their wealth plan with their adviser to determine if it’s comprehensive enough. It can’t be based on wishful thinking or unrealistic assumptions. A comprehensive plan is one that considers three essential areas.
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• Cash flow projections. Do them for now and in the future as determined by accurate modeling. • Protection. You’ll need to protect yourself and your assets as you move through different phases of life. • Legacy planning. It’s important to create the legacy you’d like to leave at the time or your death. Most notably, your comprehensive wealth plan should let you identify and document important goals and objectives, which will then serve as a guide to help meet and exceed them. It’s a good idea to review your plan and make adjustments for changes in your personal circumstances on a regular basis. It’s during times like these, when the value of your assets have changed, that you may be able to use assets that have lost value as part of a gifting strategy. An outdated plan based on assumptions that are no longer valid can be worse than having no plan at all. As an example, the plan might make adjustments for the transition of a closely held business to the next genNorth Bay Business Resource Guide 2009
eration and a corresponding change in cash flow as a result. Or it might require more complex advanced planning strategies to ensure legacy goals are ultimately achieved. In these turbulent times, switching to cash may feel safe, but risks remain. By running for the comfort of safe and insured, investors with a time horizon beyond a few years may be doing real damage to their long-term finances. History has shown that in the last 10 market downturns, when the recovery begins (and there’s always a recovery), it yields about a 30 to 40 percent upside in the following three or four months. Another consideration is to make sure your heirs are equipped to handle the type of market turmoil we’re experiencing today. Including your heirs in discussions around money potentially sets the stage for a more successful transfer of wealth. One of the biggest concerns many people have is what money will do to their family. At the same time, it’s a subject that’s very hard for most people to talk about, often because discussions around the topic tend to be uncomfortable. But the fact remains that families who are the most successful in passing on wealth through multiple generations are those that have regular meetings about wealth and the responsibilities that go with it. Tough economic times remind all of us of the importance of involving and educating future generations so they’re better equipped to handle financial decisions going forward. Educating others in your family could be as simple as a joint meeting with parents, children and a financial adviser to discuss investing and preparing a budget. Or it might be as involved as coordinating a multigenerational family meeting to establish and work on family values and a vision statement that can often include philanthropic planning. Now’s the time to take action and seize control of your finances. We recommend you step back and assess where you are and where you want to go. That requires taking a thorough look at the wealth plan you have in place. If you don’t have an updated, comprehensive plan, it’s important to create one. Market circumstances have not only created new realities, but also some compelling opportunities you can use to your advantage. Henry Pilger is CEO and Joe Delaney is a director with Vista Wealth Management, which has North Bay offices in Santa Rosa and Novato. To contact them, you can call (415) 842-3100 or email them at hpilger@vistawm.com or jdelaney@vistawm.com, respectively. NorthBaybiz
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… Membership Has It’s Privileges
…For All Your Corporate Meetings & Golf Outings
18 Hole Championship Golf
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We offer several types of membership to fit your lifestyle.
No matter what event your planning The Club is the perfect location.
…For Your Perfect Wine Country Wedding
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Non-members can enjoy the style & sophistication of an exclusive, private club.
Call Tamara to schedule your personal tour & introduction to The Club. Santa Rosa Golf & Country Club A Sonoma County Tradition
707.546.3485 x109
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INVESTMENTS Financial Advisers Network 141 Stony Cir., Ste. 207 Santa Rosa CA 95401 (707) 578-3161
LFG Investments, Inc. 445 Second St. Sonoma CA 95476 (707) 938-2672
Pacific Advisors 404 Mendocino Ave., Ste. 200 Santa Rosa CA 95401 (707) 578-0675
Warshaw Investment Services 414 E. First St. Sonoma CA 95476 (707) 933-1332
Financial Network Investment Corp. 7217 Malone Rd. Forestville CA 95436 (707) 887-2899
M Capital Funding, LLC 201 First St., Ste. 100 Petaluma CA 94952 (707) 283-0099
www.pacificadvisors.com
First Allied 902 Stevenson St. Santa Rosa CA 95403 (707) 578-4050
Merrill Lynch 90 S. E St. Santa Rosa CA 95404 (707) 575-6300
Wealth Management Consultants, LLC 3550 Round Barn Blvd., Ste. 212 Santa Rosa CA 95403 (707) 542-3600
Foothill Securities 141 Stony Cir., Ste. 245 Santa Rosa CA 95401 (707) 523-3500
Meyers Financial Services 670 W. Napa St., Ste. C Sonoma CA 95476 (707) 935-1124 www.meyersfinancial.com
GBS Financial Corp. 558 B St., Ste. 200 Santa Rosa CA 95401 (707) 568-2400 www.gbsfinancial.com
Mike T. Wilson, CFP 930 Mendocino Ave., Ste. 200 Santa Rosa CA 95401 (707) 575-9121
Gilbert Hawkins, Financial Advisor 2625 Piner Rd. Santa Rosa CA 95401 (707) 575-7747 www.californiahawk.com
MJ Everson Financial 320 10th St., Ste. 305 Santa Rosa CA 95401 (707) 636-0020 www.mjeverson.com
Greenleaf & Burleson Wealth Management, LLC 201 First St., Ste. 204 Petaluma CA 94952 (707) 283-0520 www.gbwealth.com
Morgan Stanley 3558 Round Barn Blvd., Ste. 201 Santa Rosa CA 95403 (707) 524-1000 www.morganstanley.com
Hawksbill Capital Management 4680 Wallace Rd. Santa Rosa CA 95404 (707) 538-0140 www.hawksbillcapital.com JDH Wealth Management 187 Concourse Blvd. Santa Rosa CA 95403 (707) 542-1110 Jeffrey Edmonds, Financial Advisor 114 Keyt Way Cotati CA 94931 (707) 794-1260 www.jeffedmonds.com
Mork Capital Management 235 Healdsburg Ave., Ste. 204 Healdsburg CA 95448 (707) 431-1057 Nickel Investment Advisors 1135 Rachael Ln. Windsor CA 95492 (707) 838-6971 www.nickelinvest.com North Coast Financial Planning 1070 S. Gravenstein Hwy. Sebastopol CA 95472 (707) 824-8670 www.lpsales.com
Jim Alexander Financial Consultant 6 C St. Petaluma CA 94952 (707) 765-1607
Northwestern Mutual 149 Stony Cir., Ste. 130 Santa Rosa CA 95401 (707) 578-2474 www.nmfn.com
John Schooler Jones, LLC 66 Raymond Heights Petaluma CA 94952 (707) 778-0934
NPB Financial Group 5339 Yerba Buena Rd. Santa Rosa CA 95409 (707) 539-6523
Kevin Paul Investment Services 6572 Oakmont Dr. Santa Rosa CA 95409 (707) 538-8881
Oak Mountain Financial Group 5468 Skylane Blvd., Ste. C Santa Rosa CA 95403 (707) 526-1203
LBC Partners 1250 Lovall Valley Rd. Sonoma CA 95476 (707) 933-8352
Omega Capital Management 141 Stony Cir. Santa Rosa CA 95401 (707) 528-2202
North Bay Business Resource Guide 2009
Progressive Asset Mgmt. / Financial West Group 575 W. College Ave., Ste. 105 Santa Rosa CA 95401 (707) 575-9680
www.wealthmc.com
Randolph Managed Investments 50 Old Courthouse Sq., Ste. 303 Santa Rosa CA 95404 (707) 573-1357 www.investrmi.com
Wedbush Morgan Securities 416 B St., Ste. D Santa Rosa CA 95401 (707) 521-2280 www.wedbush.com
Raymond James Financial Services, Inc. 133 North St. Healdsburg CA 95448 (707) 431-1650 www.raymondjames.com
Wells Fargo Advisors 50 Old Courthouse Sq. Santa Rosa CA 95448 (707) 545-4810
RBC Wealth Management 100 B St. Santa Rosa CA 95401 (707) 528-6776
Wells Fargo Financial 1421 Gueneville Rd., Ste. 100 Santa Rosa CA 95403 (707) 542-3423 www.wellsfargofinancial.com
Sites Retirement Solutions 4357-D Montgomery Dr. Santa Rosa CA 95405 (707) 579-4300 www.sites-fr.com
Willow Creek Financial Services, Inc. 825 N. Gravenstein Hwy., Ste. 5 Sebastopol CA 95472 (707) 829-1146 www.wcfsinc.com
Stifel Nicolaus & Co., Inc. 703 Second St., Ste. 300 Santa Rosa CA 95404 (707) 542-3521 www.stifel.com
Wood Financial Services 1160 N. Dutton Ave., Ste. 120 Santa Rosa CA 95401 (707) 566-3999 www.lpl.com/judith.wood
Sutter Investment Corp. 1160 Fourth St. Santa Rosa CA 95404 (707) 528-7505
Wood Wealth Management 2455 Bennett Valley Rd., Ste. 111A Santa Rosa CA 95404 (707) 578-4535
The Morton Capital Group 354 City Center Dr. Rohnert Park CA 94928 (707) 206-9844 Timothy J. Nelson, EA 5680 State Farm Dr., Ste. 102 Rohnert Park CA 94928 (707) 584-2832 Toco, Inc. 2955 Wallace Creek Rd. Healdsburg CA 95448 (707) 431-0655 Upton Financial 131-A Stony Cir., Ste. 500 Santa Rosa CA 95401 (707) 523-9651 www.uptonco.com Vining Sparks 7961 Viola Ct. Sebastopol CA 95472 (707) 861-2000
NorthBay biz invested considerable time and resources in developing this comprehensive list of North Bay businesses. If we missed your business, we apologize. You can go to our website and add your business for FREE to our online business directory. This will ensure your company’s inclusion in future Resource Guide publications. Simply visit www.northbaybiz.com and click on North Bay Business Directory. This directory is appropriate for all business types, as future Resource Guides will not be limited to the financial and legal industries.
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PACIFIC ADVISORS Experience you can trust for every phase of your wealth building journey.
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acific Advisors is a financial and estate services firm with over a century of experience. This translates into an in-depth knowledge and understanding of tax laws, financial services, pension plans, insurance, and other tools needed to build an effective financial foundation for you. For decades, we’ve helped individuals, small businesses and corporations navigate through all phases of their wealth-building journey. Our first job is to help protect your current position of wealth. Then we work to create a clear and exciting map for building wealth in every area of your life. As a premiere wealth-planning firm, we offer a distinctive strategy, focusing on your unique needs and designing customized solutions to meet those needs. Call today. Let’s arrange a meeting and begin the journey together.
Mick Menendez, Senior Partner
PACIFIC ADVISORS 100 B Street, Suite 200, Santa Rosa, CA 95401 michael_j_menendez@glic.com California Life License #4036021
707. 3 6 0.49 5 9 ®
There’s a place we all want to be Go there.™
Michael Menendez is a Registered Representative of Park Avenue Securities LLC (PAS), 7 Hanover Square, New York, NY 10004. Securities products and services offered through PAS, 1-888-600-4667. PAS is an indirect, wholly owned subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY, Pacific Advisors is not an affiliate or subsidiary of PAS or Guardian. PAS is a member NASD, SIPC. Pacific Advisors is an agency of The Guardian Life Insurance Company of America, New York, NY.
Sponsored by Pacific Advisors
Dynasty Trusts: Passing Wealth Down the Generations By Mick Menendez any families would like to pass their wealth down to their children. In turn, their hope is that their children will be successful and can pass wealth down to the next generation, and so on. Unfortunately, along the way, each transfer between generations gives the federal and state tax authorities the opportunity to levy and collect estate and gift taxes, diminishing what’s actually left. How can you maximize your family’s financial legacy? Many of the country’s wealthiest families often use a method for transferring wealth that permits the accumulation and distribution of assets to multiple generations with the least amount of taxes. This involves the use of “Dynasty Trusts.” These trusts enable affluent families to benefit multiple generations with a single transfer of property, and to make distributions to descendants for their needs. At one time in our country’s history, there was no limit to the amount of property that could be left in trust for the benefit of multiple generations of family members. Ultra-affluent families used trusts to avoid the transfer taxes that would otherwise apply when property was transferred down successive generations. Many of the great family fortunes were passed down intact, over long periods of time, in this manner. But in 1986, Congress created the “Generation-Skipping Transfer Tax” (GST tax). The GST tax took away the ability to pass unlimited wealth to successive generations without tax consequences. The GST tax was designed to protect against the avoidance of gift and estate taxes when property was transferred, either outright or in trust, and either during life or at death, to individuals more than one generation below that of the transferor (for example, a grandparent gifting directly to a grandchild, bypassing the child). The GST tax is complicated in its application and expensive when assessed—currently at a 45 percent tax rate. Although current laws provide an exemption for the GST tax of $3.5 million in 2009, careful planning must be made to ensure transfers fall within the exemption. Dynasty Trusts are designed to take advantage of this exemption. Dynasty Trusts are even more efficient and impactful when they’re funded with highly appreciating assets or life insurance. Since it’s difficult to predict if assets will continue to appreciate over a long period of time, life insurance is often a better funding vehicle. The reason for this is the leverage that a life insurance death benefit has relative to the premiums that need to be paid. The death benefit is often a significant multiple over the total premiums paid, but it’s the premiums paid that would count toward the GST tax exemption. The other complicating factor to the use of Dynasty Trusts is that, historically, states have had laws that limited the lifespan of trusts. These laws were called “Rules Against Perpetuities,” and they effectively limited trusts to a term of 90 to 120 years, after which the trust would have to terminate and distribute the balance of principal and income to the remaining beneficiaries. However, starting in the late 1990s, many states began to repeal their respective Rules Against Perpetuities, so it’s now accurate to say a trust can be a true Dynasty Trust. More than half of the United States have abolished or significantly modified their version of the Rule Against Perpetuities. The list continues to grow.
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North Bay Business Resource Guide 2009
How does it work? Let’s say “Joe” has expressed an interest in establishing a trust that would let him benefit his family for multiple generations. With the assistance of Joe’s estate planning attorney, a multigeneration Dynasty Trust is created, and he gifts money each year to the trust in an amount that would cover the life insurance that the trust intends to purchase. The attorney instructs Joe regarding some of the technical requirements in making the gift to ensure Joe leverages his GST exemption. The trustee of the Dynasty Trust purchases and owns the life insurance on Joe’s life and makes the premium payments. Then, Joe, with the help of his tax adviser, notifies the IRS that he’s used some of his GST tax exemption to shield the Dynasty Trust from the GST tax. Upon Joe’s death, the insurance proceeds will be paid to the Dynasty Trust. The trust assets can continue to be held in trust for the benefit of multiple generations of Joe’s family. The assets continue to grow but the trustee has the ability to make distributions to family members as the trust’s beneficiaries. This can continue in perpetuity. In this example, the Dynasty Trust is created during Joe’s lifetime. It’s funded with cash to let the trust purchase life insurance on Joe’s life. Joe’s wife could have joined him in his arrangement and the trustee could have purchased survivorship life insurance on their joint lives. Joe could also have gifted other assets, such as securities, that he believes will continue to grow in value. In addition, Joe could have opted to have this trust created at his death, funded with assets held in his estate. Dynasty Trusts can benefit all sorts of families, not just the wealthy, particularly if their goals include: • A desire to provide for multiple generations of family members;
• An interest in protecting accumulated assets from estate and generation skipping transfer taxes; • A concern about protecting accumulated wealth from creditors and exspouses; and • A desire to ensure the transfer of family values to successive generations in the form of incentive provisions. By creating a Dynasty Trust, families can leverage the available GST tax exemption to shield trust assets from the GST tax; maximize wealth for future generations by leveraging life insurance; and shield assets from tax, which lets the value of trust assets grow even greater than would have been possible had those assets passed directly from generation to generation.
Mick Menendez is a Senior Partner/Director of advanced planning for Pacific Advisors, with more than 35 years of experience in the financial services industry. The foregoing information regarding estate, charitable and/or business planning techniques is not intended to be tax, legal or investment advice and is provided for general educational purposes only. Neither Guardian, nor its subsidiaries, agents or employees provide tax or legal advice. You should consult with your tax and legal adviser regarding your individual situation.
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INSURANCE SERVICES MARIN â– GENERAL A. Giovara & Son P.O. Box 488 Mill Valley CA 94942 (415) 380-8268 www.seniormedgap.com Adam Lazar Insurance 919 Sir Francis Drake Blvd. Kentfield CA 94904 (415) 456-8522 Adams Professional Insurance 120 Red Hill Cir. Belvedere Tiburon CA 94920 (415) 435-0401 Al Zeidler Insurance Agency, Inc. 970 Second St. Novato CA 94945 (415) 895-1936 www.zeidlerinsurance.com Aldo Gigliotti Insurance Agency 1525 Grant Ave., Ste. 150 Novato CA 94945 (415) 898-4478 Alexander Morford & Woo Insurance 7599 Redwood Blvd. Novato CA 94945 (415) 892-7353 Allen, Bettini & Carter Insurance 4306 Redwood Hwy., Ste. 100 San Rafael CA 94903 (415) 454-6454 www.abc4insurance.com Alternative Risk Solutions 250 Bel Marin Keys Blvd., Ste. G3 Novato CA 94949 (415) 883-8900 Anderson-O'Grady Complete Insurance 4136 Redwood Hwy., Ste. 2 San Rafael CA 94903 (415) 479-2404 Anixter & Oser, Inc. 205 San Marin Dr. Novato CA 94945 (415) 898-1600 Asset Preservation Planning 10 Laurelwood Ct. San Rafael CA 94901 (415) 458-8737 Barbara Burke 1050 Northgate Dr. San Rafael CA 94903 (415) 491-0300 Bartley & Bartley Insurance Svcs. 21 Commercial Blvd., Ste. 1 Novato CA 94949 (415) 883-7703 www.netsolhost.com
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Bates-Huffman Insurance 4340 Redwood Hwy., Ste. 144-F San Rafael CA 94903 (415) 492-0598 www.healthinsur.com
Copeland Insurance Services 700 Larkspur Landing Cir., Ste. 285 Larkspur CA 94939 (415) 461-6137 www.copelandinsurance.com
Benefaction Insurance 50A Mitchell Blvd. San Rafael CA 94903 (415) 329-4299 www.benefaction-ins.com
Costello & Sons Insurance 1752 Lincoln Ave. San Rafael CA 94901 (415) 257-2100 www.costelloandsons.com
Benefits Unlimited Insurance 75 Inverness Dr. San Rafael CA 94901 (415) 459-5019 www.benunlins.com
Cristy Jones Insurance Services 121 Morningside Dr. San Anselmo CA 94960 (415) 460-1200 www.cristyjonesins.com
Berkley Risk Services, Inc. 101 Rowland Way, Ste. 315 Novato CA 94945 (415) 898-9600
D. R. Dinnerman Insurance 633 Cedarberry Ln. San Rafael CA 94903 (415) 479-9881
Betsy A. Sullivan, Inc. 295 Summit Ave. Mill Valley CA 94941 (415) 381-9920
Dan Blackstone Insurance 8 Commercial Blvd., Ste. B Novato CA 94949 (415) 475-5131
Blair Jarcik Insurance Agency 845 Olive Ave., Ste. 108 Novato CA 94945 (415) 898-7114
Dan Dubuc Financial & Insurance Svcs. 60 Suffield Ave. San Anselmo CA 94960 (415) 485-1273 www.dandubuc.com
Bolds Insurance Brokerage 1447 Fourth St. San Rafael CA 94901 (415) 485-1700 www.bolds.com
HRH of Northern California Insurance Svcs., Inc. 7250 Redwood Blvd., Ste. 300 Novato CA 94945 (415) 895-9100
David B. Sydney Insurance Agency 67 Red Hill Ave. San Anselmo CA 94960 (415) 258-1703 www.sydneyinsurance.com Enrollment Assistance 700 Larkspur Landing Cir. Larkspur CA 94939 (415) 461-6191
California Capital Insurance 7250 Redwood Blvd. Novato CA 94945 (415) 493-3380 www.cig.com
Farallone Pacific 859 Diablo Ave. Novato CA 94947 (415) 493-2500 www.fp-ins.com
Charles L. Moore Insurance Agency 1561 S. Novato Blvd., Ste. B Novato CA 94947 (415) 897-4113
Fireman's Fund Insurance Co. 777 San Marin Dr. Novato CA 94998 (415) 899-2000 www.firemansfund.com
Commerce Company 3100 Kerner Blvd., Ste. E San Rafael CA 94901 (415) 456-2424 Consolidated Special Risk Managers 77 Mark Dr., Ste. 26 San Rafael CA 94903 (415) 472-4090
Hugh Tierney, Jr. P.O. Box 296 Belvedere Tiburon CA 94920 (415) 435-0275 Insurance To Go 500 Professional Center Dr., Ste. 515 Novato CA 94945 (415) 898-0584 www.insurancetogo.com Isu McNeil Insurance Agency 7200 Redwood Blvd., Ste. 400 Novato CA 94945 (415) 892-8575 www.isumcneil.com
Brown & Brown, Inc. 9 Commercial Blvd., Ste. 100 Novato CA 94949 (415) 884-7400 www.bbins.com
Coastal Pacific Insurance 77 Mark Dr., Ste. 23 San Rafael CA 94903 (415) 472-1800
Greater Bay Insurance 9 Coleman Dr. San Rafael CA 94901 (415) 485-1810
Jack G. Nixon and Co. 25 Mitchell Blvd., Ste. 5 San Rafael CA 94903 (415) 472-1100 James R. Saunders Insurance Agency 31 De Silva Island Dr. Mill Valley CA 94941 (415) 389-9500 Jerome P. Stern Insurance Brokers 4340 Redwood Hwy., Ste. 3 San Rafael CA 94903 (415) 472-5500 Joe McWilliams Insurance Svcs. 19 Broadway Blvd., Ste. B Fairfax CA 94930 (415) 453-0988
Gallagher BPI 101 Larkspur Landing Cir., Ste. 120 Larkspur CA 94939 (415) 461-8383 www.gallagherbenefits.com
John A. Reuscher Insurance 52 Little Creek Ln. Novato CA 94945 (415) 892-9500 John F. Hammond, CLU, ChFC 77 Mark Dr., Ste. 13 San Rafael CA 94903 (415) 479-3013 Jordan Shields Insurance Agency 15 Brooke Dr. Novato CA 94947 (415) 878-0260 www.jordanshields.com
Golden Benefits Insurance Svcs. P.O. Box 1554 San Anselmo CA 94979 (800) 564-9282 www.goldenbenefits.com
Judith K. Gronski, CLU, ChFC 359 Bel Marin Keys Blvd., Ste. 28 Novato CA 94949 (415) 382-4699
Goodman Benefits & Insurance P.O. Box 851 Novato CA 94948 (415) 892-5188 www.goodmanbenefits.com
Kraft Insurance Brokerage 4340 Redwood Hwy., Ste. F-412 San Rafael CA 94903 (415) 507-9074 www.kraftib.com
North Bay Business Resource Guide 2009
INSURANCE SERVICES Larry L. Nazry Insurance Agency, Inc. 412 D St. San Rafael CA 94901 (415) 456-3369 www.larrynazry.com
Mitchell & Mitchell Insurance 250 Bel Marin Keys Blvd., Ste. E-1 Novato CA 94949 (415) 883-2525 www.mitchellandmitchell.com
Linsin Sherman Associates 185 N. Redwood Dr., Ste. 250 San Rafael CA 94903 (415) 479-9988 www.linsinsherman.com
Monarch E&S Insurance Services 10 Commercial Blvd., Ste. 100 Novato CA 94949 (415) 883-1411 www.monarchexcess.com
LWP Commercial Claims 2173 E. Francisco Blvd. San Rafael CA 94901 (415) 458-5080
Morrison Insurance Services 1045 First St. Novato CA 94945 (415) 898-0595 www.miscoaudit.com
M.B. McGowan & Associates 7250 Redwood Blvd., Ste. 110 Novato CA 94945 (415) 892-1080 www.mbmcgowan.com
Morse Insurance 1368 Lincoln Ave., Ste. 213 San Rafael CA 94901 (415) 454-6100
Madison Avenue Capital Group 187 E. Blithedale Ave. Mill Valley CA 94941 (415) 380-8488
MTS Insurance Services 899 Northgate Dr., Ste. 210 San Rafael CA 94903 (415) 446-4300
McClary & O'Hara 55 Professional Center Pkwy., Ste. G San Rafael CA 94903 (415) 479-1412
Muzio & Rovero Insurance Services 655 Redwood Hwy., Ste. 302 Mill Valley CA 94941 (415) 388-2096
McNamara Insurance Svcs., Inc. 1010 B St., Ste. 325 San Rafael CA 94901 (415) 457-7856 www.4apolicy.com
New York Long Term Care 1811 Grand Ave. San Rafael CA 94901 (415) 453-0591
MG Schlegel and Associates 1929 Benton Ln. Novato CA 94945 (415) 898-2030 www.mgschlegelassociates.com Michael F. Bosco Insurance Svcs. 60 Western Dr. Novato CA 94947 (415) 209-9470 www.michaelbosco.net Michael Miller Insurance 817 Mission Ave., Ste. B1 San Rafael CA 94901 (415) 454-0100 www.farmers.com Mill Valley Insurance 20 Sunnyside Ave., Ste. A-417 Mill Valley CA 94941 (415) 389-7140 www.millvalleyinsurance.com Miller-Robertson Insurance Svcs., Inc. 1682 Novato Blvd., Ste. 252 Novato CA 94947 (415) 897-2000 www.miller-robertson.com Minto & Wilkie Insurance 1235 Fourth St. San Rafael CA 94901 (415) 453-0610 www.mintowilkie.com
North Coast Surety Insurance Svcs., Inc. 100 Professional Center Dr., Ste. 112 Novato CA 94947 (415) 209-0940 www.northcoastsurety.com Northgate Insurance 32 Mitchell Blvd. San Rafael CA 94903 (415) 472-0545 Old Republic Risk Management 700 Larkspur Landing Cir., Ste. 199 Larkspur CA 94939 (415) 464-4954 www.orrm.com Pacific Coast Planning 1050 Northgate Dr., Ste. 352 San Rafael CA 94903 (415) 507-2070 www.pacificcoastplanning.com Payne Whittington Insurance Svcs., Inc. 21 Commercial Blvd., Ste. 1 Novato CA 94949 (415) 499-8690 Peck-Stanton Insurance 174 E. Blithedale Ave. Mill Valley CA 94941 (415) 388-2236
North Bay Business Resource Guide 2009
Ross Valley Insurance Agency 741 Center Blvd. Fairfax CA 94930 (415) 459-5284 www.rossvalleyinsuranceagency.com
Professional Program Insurance Brokerage 371 Bel Marin Keys Blvd., Ste. 220 Novato CA 94949 (415) 475-4300 www.tattoo-ins.com
Sadler & Co. Insurance Brokers 870 College Ave. Kentfield CA 94904 (415) 457-2400 www.sadlerinc.com
ProInsurance Associates, LLC 504 Redwood Blvd., Ste. 240 Novato CA 94947 (415) 223-5500 www.proinsurance.com
Spalding Financial Group 1100 Mar West St., Ste. C Tiburon CA 94920 (415) 435-4334
Richard Simon Insurance 3020 Kerner Blvd., Ste. C San Rafael CA 94901 (415) 295-9600
SST Insurance Brokers 853 Reichert Ave., Ste. 1 Novato CA 94945 (415) 897-5111 www.sstins.com
RiskINFO 545 Magnolia Ave. Larkspur CA 94939 (415) 927-8000 www.riskinfo.com
Sutker Insurance Services 102 Clorinda Ave. San Rafael CA 94901 (415) 460-5262 www.sutkerinsuranceservices.com
Robert C. Placak & Associates 899 Northgate Dr., Ste. 304 San Rafael CA 94903 (415) 507-1440 www.placak.com
Tamalpa Insurance Services P.O. Box 151500 San Rafael CA 94915 (415) 454-7166 www.tamalpa.com
Robert Hess & Co., Inc. 1120 Mar West St., Ste. B Belvedere Tiburon CA 94920 (415) 435-3775 Roger L. Gainer Insurance & Financial Svcs. 100 Shoreline Hwy., Ste. B Mill Valley CA 94941 (415) 331-9030 www.ganinerfinancial.com
Tashjian Insurance Services 448 Ignacio Blvd., Ste. 500 Novato CA 94949 (415) 883-8675 Terra Insurance Co. 2 Fifer Ave., Ste. 100 Corte Madera CA 94925 (800) 872-0077 www.terrarrg.com
Ronald Brown Insurance 4040 Civic Center Dr. San Rafael CA 94903 (415) 492-8580
Greg Culley Proper insurance planning is an essential part of your business and personal financial plan. Clients of Culley Insurance Services sleep well at night knowing they have a comprehensive insurance plan in place and the backing of their trusted agent, Greg Culley. Culley Insurance Services 1303 College Avenue, Ste. 200 Santa Rosa, CA 95404 707.542.7700 greg@culleyinsurance.com NorthBaybiz
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INSURANCE SERVICES Terry Scott Insurance 1368 Lincoln Ave., Ste. 107 San Rafael CA 94901 (415) 457-8319 Tran-Modal Claims & Insurance 403 Oakcrest Rd. San Anselmo CA 94960 (415) 454-8556 VCO Insurance Services 1603 Indian Valley Rd. Novato CA 94947 (415) 898-1229 www.vychan.com William Macioci Insurance 2 Commercial Blvd. Novato CA 94949 (415) 883-6576 William Walton 11 Greenfield Ave. San Rafael CA 94901 (415) 453-6726 Windfall Financial & Insurance Svcs. 10 Milland Dr., Ste. B6 Mill Valley CA 94941 (415) 383-4042
Allstate Insurance Agency Peter Fulchiron 405 Enfrente Rd., Ste. 100 Novato CA 94949 (415) 883-2100
Calibrated Capital, Inc. P.O. Box 1208 Novato CA 94948 (415) 892-3116 www.calibrated.net
Farmers Insurance Group Greg Moore 1620 Grant Ave., Ste. 1 Novato CA 94945 (415) 898-0260
www.allstate.com
Cost-U-Less Insurance Center 936 Seventh St., Ste R-1 Novato CA 94945 (415) 878-4944 www.costulessins.com
Farmers Insurance Group Robert Roland 384 Bel Marin Keys Blvd., Ste. 125 Novato CA 94949 (415) 883-3456
Craig Thompson Health Insurance 353 Mount Shasta Dr. San Rafael CA 94903 (415) 472-6555
Farmers Insurance Group John Stave 384 Bel Marin Keys Blvd., Ste. 125 Novato CA 94949 (415) 472-7800
Allstate Insurance Agency Famous Holt 1300 Grant Ave., Ste. 104 Novato CA 94945 (415) 892-8794 Allstate Insurance Agency Bernie Nickel 1683 Novato Blvd. Novato CA 94947 (415) 898-6425 Allstate Insurance Agency Matt Mirabella 4340 Redwood Hwy., Ste. A-32 San Rafael CA 94903 (415) 507-4530 www.mattmirabella.com
â– LIFE/HEALTH/AUTO
Allstate Insurance Agency Tim Brown 1050 Northgate Dr., Ste. 350 San Rafael CA 94903 (415) 507-2066
A&B Insurance 4340 Redwood Hwy., Ste. D-319 San Rafael CA 94903 (415) 491-7880 www.farmers.com
Allstate Insurance Agency Diane Sickmen 532 Fourth St. San Rafael CA 94901 (415) 453-4300
AAA-California State Automobile Assoc. 2007 Larkspur Landing Cir. Larkspur CA 94904 (415) 464-4200 www.aaa.com
Allstate Insurance Agency David Leslie 1000 Fourth St., Ste. 690 San Rafael CA 94901 (415) 721-7024
Above & Beyond Insurance Agency 1508 Lincoln Ave. San Rafael CA 94901 (415) 453-6329 www.aabins.com
Allstate Insurance Agency Walter Clark 757 Lincoln Ave., Ste. 31 San Rafael CA 94901 (415) 485-5900 www.allstate.com
Ahern Insurance Agency 1682 Novato Blvd., Ste. 340 Novato CA 94947 (415) 898-7636 www.aherninsuranceagency.com
Allstate Insurance Agency Tom Ryan 305 Caledonia St. Sausalito CA 94965 (415) 331-5763
Allstate Insurance Agency Barbara Crockett 500 Tamal Plz., Ste. 501-A Corte Madera CA 94925 (415) 924-6573
Baywide Health Insurance Svcs. P.O. Box 676 Novato CA 94948 (650) 588-0147
Allstate Insurance Agency Sherie Friedlander 10 S. Knoll Rd., Ste. 3 Mill Valley CA 94941 (415) 381-4175
Bracken Insurance Agency, Inc. 77 Mark Dr., Ste. 4 San Rafael CA 94903 (415) 457-3850 www.brackenins.com Bryson Insurance 1 Harbor Dr., Ste. 104 San Rafael CA 94965 (415) 332-7888
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CSAA 99 Smith Ranch Rd. San Rafael CA 94903 (415) 488-2900 www.csaa.com D I & LTC Insurance Services 4302 Redwood Hwy., Ste. 400 San Rafael CA 94903 (415) 472-4800 www.di-ltc.com Debra Downs Insurance, Inc. 28 Mitchell Blvd. San Rafael CA 94903 (415) 479-7919 www.debradownsinsurance.com Farmers Insurance Group Robert Spence 45 San Clemente Dr., Ste. D-230 Corte Madera CA 94976 (415) 924-9708 Farmers Insurance Group Alan Palfi 919 Sir Francis Drake Blvd., Ste. 203-A Kentfield CA 94904 (415) 785-7981 Farmers Insurance Group Frank Bruno, CFP 1127 Grant Ave., Ste. 2 Novato CA 94945 (415) 892-5289 www.farmers.com
Farmers Insurance Group James Ayres 610 Third St., Ste. A1 San Rafael CA 94901 (415) 456-7200 www.farmers.com Farmers Insurance Group Earl Nunes 150 Bellam Blvd., Ste. 230 San Rafael CA 94901 (415) 459-1877 Farmers Insurance Group Andrew Popoff 4340 Redwood Hwy., Ste. F-114 San Rafael CA 94903 (415) 472-1080 Farmers Insurance Group Michael Saleh 70 Mitchell Blvd., Ste. 201 San Rafael CA 94903 (415) 479-4949 Farmers Insurance Group James Johnston 7 Mount Lassen Dr., Ste. D-151 San Rafael CA 94903 (415) 846-3518 Farmers Insurance Group Jennifer Ross 2829 Bridgeway, Ste. 202 Sausalito CA 94965 (415) 332-6123
Farmers Insurance Group Kevin Boland 1202 Grant Ave., Ste. E Novato CA 94945 (415) 898-4370
Fern Insurance Agency 505-A San Marin Dr., Ste. 140 Novato CA 94945 (415) 893-0029 www.ferninsurance.com
Farmers Insurance Group Greg Beyer 384 Bel Marin Keys Blvd., Ste. 135 Novato CA 94949 (415) 382-6090 www.farmersagent.com/gbeyer/ Farmers Insurance Group Michael Schmale 1620 Grant Ave., Ste. 1 Novato CA 94945 (415) 897-3959 ww.farmersagent.com/mschmale/
Fred Kanter Insurance 700 Larkspur Landing Cir., Ste. 245 Larkspur CA 94939 (415) 461-7030 Greg Norris Insurance Agency, Inc. 21 Locust Ave., Ste. 2 Mill Valley CA 94941 (415) 331-6500 www.gregnorrisins.com
North Bay Business Resource Guide 2009
INSURANCE SERVICES Independant Brokering Services P.O. Box 868 Novato CA 94947 (415) 893-1015 www.independentbrokeringservices.com Independent Planning Benefits Corp. 21 Commercial Blvd., Ste. 4 Novato CA 94949 (415) 883-1388 www.independentplanning.com Jim O'Connor, Life Insurance Agent 1622 Tiburon Blvd. Tiburon CA 94920 (415) 435-5781 www.term22.com Joann Givin 205 San Marin Dr., Ste. 2 Novato CA 94945 (415) 897-2808 KBR Insurance and Financial Svcs. 700 Larkspur Landing Cir., Ste. 240 Larkspur CA 94939 (415) 927-6999 www.kbrfinancial.com MFD Life Sales 775 San Marin Dr. Novato CA 94945 (415) 897-7191 Moyer Insurance Services 1615 Hill Rd., Ste. H Novato CA 94947 (415) 897-9437 www.moyerins.com
State Farm Insurance Christie Kennett 101 Larkspur Landing Cir., Ste. 228 Larkspur CA 94939 (415) 464-0388 www.christiekennett.com State Farm Insurance Cesar Flores 650 E. Blithedale Ave., Ste. G Mill Valley CA 94941 (415) 381-6502 State Farm Insurance Rick Wernick, CPCU 1683 Novato Blvd., Ste. 6 Novato CA 94947 (415) 892-9261 www.rickwernick.net
NAPA
Wise Insurance Agency 2 California Ave. San Rafael CA 94901 (415) 258-9912 www.wiseinsuranceagency.net
■ TITLE INSURANCE
State Farm Insurance John Griffin 85 Galli Dr., Ste. F Novato CA 94949 (415) 883-1371
Fidelity National Title 916 Sir Francis Drake Blvd. San Anselmo CA 94960 (415) 451-0190 www.fntic.com
State Farm Insurance Dennis Hagerty 929 Sherman Ave., Ste. A Novato CA 94945 (415) 892-8818 www.dennis@dhagerty.com
Fidelity National Title 750 Lindaro St., Ste. 150 San Rafael CA 94960 (415) 453-7110 www.fntic.com
Only Health Insurance 500 Professional Center Dr., Ste. 515 Novato CA 94947 (415) 898-0212 www.dhis.com
State Farm Insurance Rose Kuntz 824 Fifth Ave., Ste. A San Rafael CA 94901 (415) 459-0200
Pacific Benefit and Health 700 Larkspur Landing Cir., Ste. 199 Larkspur CA 94939 (415) 461-3118 www.pacifichealthinsurance.com
State Farm Insurance Lisa Elkins-Reuter 705 Mission Ave. San Rafael CA 94901 (415) 482-6686 www.lisarelkins-reuter.com
State Farm Insurance Joseph Woo 901 Sir Francis Drake Blvd. Kentfield CA 94904 (415) 459-6100 www.statefarm.com
Trademark Capital Services 101 Larkspur Landing Cir., Ste. 116 Larkspur CA 94939 (415) 461-4427 www.tcs-insurance.com
Fidelity National Title 591 Redwood Hwy., Ste. 3280 Mill Valley CA 94941 (415) 380-8878 www.fntic.com
Nick Dollwet & Associates 95 Corte Arriba Novato CA 94949 (415) 884-2345 www.calhealthinsurance.com
Skyda Financial, Inc. 4000 Bridgeway, Ste. 104 Sausalito CA 94965 (415) 289-0230 www.skydafinancial.com
Stewart Title of California 700 Irwin St., Ste. 100 San Rafael CA 94901 (415) 454-9323 www.callandtitle.com
State Farm Insurance Geoff Shepherd 659 Adrienne St. Novato CA 94945 (415) 897-9681
State Farm Insurance Bal Claire 25 Mitchell Blvd., Ste. 4 San Rafael CA 94903 (415) 479-8086 www.balclaire.com
Rago Insurance 473 Montecito Dr. Corte Madera CA 94925 (415) 927-7778
The Doctors' Insurance Agency 6 Hamilton Landing, Ste. 170 Novato CA 94949 (415) 506-3030 www.doctorsagency.com
State Farm Insurance Timothy Long 880 Las Gallinas Ave., Ste. 3 San Rafael CA 94903 (415) 479-5900 www.timlong.biz Strategic Health Management Corp. 60 E. Sir Francis Drake Blvd., Ste. 210 Larkspur CA 94939 (415) 464-1020
North Bay Business Resource Guide 2009
First American Title Co. 350 Bon Air Shopping Ctr., Ste. 200 Greenbrae CA 94904 (415) 461-7570 www.firstam.com First American Title Co. 10 S. Knoll Rd., Ste. 2 Mill Valley CA 94941 (415) 383-3343 www.firstam.com First American Title Co. 781 Lincoln Ave., Ste. 120 San Rafael CA 94901 (415) 454-2312 www.firstam.com Old Republic Title Co. 110 Tiburon Blvd., Ste. 1 Mill Valley CA 94941 (415) 388-8740 www.ortc.com Stewart Title of California 100 Drakes Landing Rd., Ste. 130 Greenbrae CA 94904 (415) 461-7474 www.callandtitle.com Stewart Title of California 591 Redwood Hwy., Ste. 2100 Mill Valley CA 94941 (415) 383-8410 www.callandtitle.com
■ GENERAL AFLAC 2209 Jefferson St. Napa CA 94559 (707) 258-2602 www.aflac.com Conwell & Forman Insurance Svcs. 2450 Jefferson St. Napa CA 94558 (707) 252-2478 www.farmers.com Gene Gaffney Insurance 75 Main St. St. Helena CA 94574 (707) 874-2666 www.gaffneyins.com Isu Sander, Jacobs, Cassayre Ins. Svcs. 3200 Villa Ln. Napa CA 94558 (707) 252-8822 www.sanderjacobs.com Kempkey Insurance Services, Inc. 1500 Third St., Ste. A Napa CA 94559 (888) 536-7539 www.kempkey.com Kevin Miller Insurance Services 1556 First St., Ste. 105 Napa CA 94558 (707) 265-7500 www.kevinmillerinsurance.com Lincoln-Leavitt Insurance Agency 1422 Lincoln Ave. Calistoga CA 94515 (707) 942-4773 www.lincolnleavitt.com Malloy Imrie & Vasconi Insurance 899 Adams St., Ste. C St. Helena CA 94574 (707) 963-2777 www.mivinsurance.com Mike Hammer 3429 Broadway, Ste C-6 American Canyon CA 94503 (707) 643-2185 www.mikehammeragency.com Napa Valley Insurance Services 2407 California Blvd., Ste. 4 Napa CA 94558 (707) 252-9500 www.napainsurance.com
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Sponsored by Aita and Associates
Finding Your Way Through the Health Insurance Maze By Nancy Aita
H
MOs were wonderful in many ways, but they really weren’t insurance. Insurance, according to the dictionary, is “coverage for those losses for which you do not have enough resources [that is, money] to pay.” In other words, you pay a premium each month so someone else can cover those losses you can’t afford. We all have car insurance, and all our policies have deductibles. The only time you call your insurance company is when you have damages that are higher than your deductible. Certainly, for a flat tire or a new battery, you wouldn’t call your insurance company to cover the loss. But when you have an accident, and there are major damages to your vehicle or someone else’s, then you call the insurance company to intervene on your behalf. We need to start thinking of health insurance in the same way. If you have a cold or a sore throat, take a couple of aspirins, drink a lot of water, and get plenty of rest—don’t call your doctor so your insurance can pay for a visit. If you don’t get better, then of course, go see your doctor. We need to rethink how we use our insurance coverage to get the most out of it while keeping costs down.
expenses (including prescriptions) are paid by the policy holder until a very high deductible is reached. The 2009 minimum deductible for an individual is $1,150, and for a family, it’s $2,300. Some HDHPs have higher deductibles than the minimum, which results in smaller monthly premiums for the employee and cost savings for the employer. To meet these higher up-front fees, HDHP participants are eligible to set up a Health Savings Account (HSA). HSA: These accounts can be funded by both employer and employee, but these are employee-owned accounts—and all money in them belongs to the employee, regardless of who funds them. HSA money can be withdrawn to pay for the HDHP deductible or allowable medical expenses. Think of them as a medical IRA: They’re federally tax free, and the amount put away each year can be a straight deduction on federal taxes from gross income. What’s more, unused funds can remain in the account at year’s end and won’t be counted as part of new contributions up to the annual maximum (for 2009, it’s $3,000 per individual or $5,950 per family, with individuals over age 55 able to contribute an additional $1,000).
We now have real ways to stop escalating health care costs and put some real control in the hands of the employees. Today, health insurance premiums are rising faster than the Consumer Price Index (CPI). This means U.S. employers, who today provide almost 60 percent of all health care coverage in this country, are faced with a dilemma: Should they continue to offer the same insurance, which has seen up to 40 percent increases over the last couple of years? Or should they opt for a plan that gives excellent coverage, but requires employees to make smart decisions about where and when to go to a doctor or facility for testing, and which ones are the best and most cost effective? The good news is, we now have real ways to stop escalating health care costs and put some real control in the hands of the employees, aka the consumers. I’m referring to HDHP (high deductible health plan) insurance plans, HRAs (health reimbursement accounts) and HSAs (health savings accounts). Here’s a brief overview: HDHP: High deductible health plans will typically pay for one basic, preventive care appointment annually, but all other health North Bay Business Resource Guide 2009
HRA: Health Reimbursement Arrangements are similar to HSAs, with one major difference: HRA money is only employercontributed money and, at the end of the year, the unused funds remain with the employer. By arrangement, the employer will use HRA funds to reimburse specified out-of-pocket medical expenses, including paying down some of the HDHP deductible, after they’re incurred. These plans require the use of a third-party administrator (TPA). A qualified TPA can help sort through the choices and also administer the self-funding part of any HRA. When searching for a good TPA, ask for in-person client references and, since good organization, record-keeping and reporting capabilities are essential to the job, request copies of the reports they produce for their clients and determine the frequency with which the reports are generated. There are many resources available for all these different plan designs, and having an idea of what you need makes navigating them much easier. ■
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INSURANCE SERVICES Narvaez Insurance 2205 Main St., Ste. C Napa CA 94558 (707) 927-3204 www.narvaezinsuranceinc.com Northwest Insurance Agency, Inc. 1754 Second St., Ste. B Napa CA 94559 (707) 255-7203 www.nwinsure.com Paul Hanson Insurance Services 1319 First St. Napa CA 94559 (800) 852-1968 www.paulhansonpartners.com R.E. Chaix & Associates 870 Napa Valley Corporate Way, Ste. R Napa CA 94558 (707) 265-9788 www.rechaixinsurance.com Schrette Insurance Services 1556 First St., Ste. 105 Napa CA 94559 (707) 255-9511 www.schretteinsurance.com Sisemore Insurance Services 1631 Lincoln Ave. Napa CA 94558 (707) 252-2000 St. Helena Insurance Associates 1361 Main St. St. Helena CA 94574 (707) 963-3684 www.sthelenainsurance.com Wine Valley Insurance Svcs., Inc. 2017 Redwood Rd. Napa CA 94558 (707) 226-8604 www.wvinsure.com
■ LIFE/HEALTH/AUTO AAA-California State Automobile Assoc. 800 Trancas St. Napa CA 94558 (707) 226-9961 www.aaa.com Allstate Insurance Agency Doug Johnson 2013 Redwood Rd. Napa CA 94558 (707) 259-5015 Allstate Insurance Agency Mike Scully 3367 California Blvd. Napa CA 94558 (707) 255-7503 Allstate Insurance Agency Michael Pedrelli 999 Adams St., Ste. 102 St. Helena CA 94574 (707) 963-2550
Farmers Insurance Group John Facey 3433 Broadway St., Ste. B4 American Canyon CA 94503 (707) 557-8691 www.farmersagent.com/jfacey/ Farmers Insurance Group Brian Farmer 3860 Broadway Dr., Ste. 203 American Canyon CA 94503 (707) 315-2652 www.farmersagent.com/bfarmer/ Farmers Insurance Group Matthew Salsman 1147 Trancas St. Napa CA 94558 (707) 252-2828 www.farmers.com State Farm Insurance Jeanette Pauls 213 Wapoo Ave., Ste. 102 Calistoga CA 94515 (707) 942-4204 www.jeanettepauls.com State Farm Insurance John Cardinale 2160 Jefferson St., Ste. 105A Napa CA 94559 (707) 258-0661 www.cardinaleagency.com State Farm Insurance Yeng Butler 5 Financial Plz., Ste. 119 Napa CA 94558 (707) 224-3176 www.yengbutler.com State Farm Insurance Mark Coleman 1842 Jefferson St. Napa CA 94559 (707) 253-1200 State Farm Insurance Dawn Jump 700 Central Ave., Ste. B Napa CA 94558 (707) 253-9399 The Doctors Company 185 Greenwood Rd. Napa CA 94558 (707) 226-0100 www.thedoctors.com
■ TITLE INSURANCE First American Title Co. 3433 Broadway, Ste. B5 American Canyon CA 94503 (707) 556-3160 www.firstam.com First American Title Co. 1700 Second St. Napa CA 94559 (707) 254-4500 www.firstam.com
North Bay Business Resource Guide 2009
Old Republic Title Co. 2140 Jefferson St., Ste. A Napa CA 94559 (707) 265-9838 www.ortc.com
Art Hollingsworth Insurance Svcs. 6600 Commerce Blvd. Rohnert Park CA 94928 (707) 584-5824 www.hollingsworthinsurance.com
SONOMA
Art Weyers Insurance 970 Piner Rd., Ste. B Santa Rosa CA 95403 (707) 547-2490 www.artweyersinsurance.com
■ GENERAL A. Burkman Insurance Services 979 Golf Course Dr., Ste. 306 Rohnert Park CA 94928 (707) 584-1300
Advanced Benefits Group 1821 Happy Valley Rd. Santa Rosa CA 95409 (707) 527-7557
Aslan Insurance Agency 2455 Bennett Valley Rd. Santa Rosa CA 95404 (707) 576-1713
www.advbenefits.com
Assets Insurance & Investments 2525 Cleveland Ave., Ste. H Santa Rosa CA 95403 (707) 546-8020 www.assetsinsuranceandinvestments.com
AFLAC 818 Mendocino Ave. Santa Rosa CA 95401 (707) 284-9500
Barber Insurance Agency 620 College Ave. Santa Rosa CA 95401 (707) 526-7900 www.barberinsurance.com
Agency Service Bureau 696 N. Petaluma Blvd. Petaluma CA 94952 (707) 773-3601 www.asbagent.com
Barry Nelson Insurance 820 W. Napa St., Ste. 2 Sonoma CA 95476 (707) 762-5622 www.farmers.com
Alan Berman Insurance & Financial Svcs. 3427 Terra Linda Dr. Santa Rosa CA 95404 (707) 578-9292
Behne Insurance Services P.O. Box 155 Sonoma CA 95476 (707) 933-8700
Allan R. Collins Insurance Agency 132 Mill St. Healdsburg CA 95448 (707) 433-6524
Benefits Health Insurance Services 540 Mendocino Ave. Santa Rosa CA 95401 (707) 579-4279 www.benefitshealth.com
Allstar West Insurance Svcs. 622 N. Petaluma Blvd., Ste. A Petaluma CA 94952 (707) 762-4700 www.allstarwest.com
Bill Hansen Insurance 4000 Montgomery Dr. Santa Rosa CA 95405 (707) 526-0448 www.farmers.com
Anjali Singh Insurance Services 755 Baywood Dr. Petaluma CA 94954 (707) 765-2382
Bond Financial and Insurance 532 Este Madera Dr. Sonoma CA 95476 (707) 935-6303
Apollo General Insurance, Inc. 19485 Sonoma Hwy., Ste. E Sonoma CA 95476 (707) 996-2912 www.apgen.com
Brandt Insurance 250 Healdsburg Ave., 3rd Fl. Healdsburg CA 95448 (707) 433-4436 www.brandtinsurance.com
Appling Insurance Agency 5680 State Farm Dr., Ste. 104 Rohnert Park CA 94928 (707) 585-1955 www.applinginsurance.com
Brenk & Co. Insurance Svc. 131-A Stony Cir., Ste. 450 Santa Rosa CA 95401 (707) 578-2338
Archbold & Father Insurance 505 Rainsville Rd. Petaluma CA 94952 (707) 769-8390 www.insurancebyafi.com
Brett Myrum Insurance 775 Baywood Dr., Ste. 206 Petaluma CA 94952 (707) 769-1683
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INSURANCE SERVICES Brian Coll Insurance Broker P.O. Box 2277 Sonoma CA 95476 (707) 996-3434 BSI Insurance Services, Inc. 421 N. Petaluma Blvd. Petaluma CA 94952 (707) 778-8581 Caris Agency Insurance P.O. Box 2055 Sonoma CA 95476 (707) 935-6294 www.carisagency.com Charles Wing Insurance 17 El Prado Ct. Santa Rosa CA 95409 (707) 538-9464 Chris Maloney Crop Insurance Svcs. 800 Baywood Dr., Ste. B Petaluma CA 94952 (707) 766-8498 www.chrismaloneycropinsurance.com Clark Thompson Insurance 1013 Palmetto Way Petaluma CA 94954 (707) 778-8558 Commercial Risk Management 131 Stony Cir. Santa Rosa CA 95401 (707) 577-7450 Creative Insurance Solutions 708 N. Gravenstein Hwy., Ste. 246 Sebastopol CA 95472 (707) 829-9800 www.creativeinsurancesolutions.net
Culley Insurance Services 1303 College Ave., Ste. 200 Santa Rosa CA 95404 (707) 542-7700
Dolinsek Insurance Svcs. 2200 Range Ave., Ste. 207 Santa Rosa CA 95403 (707) 544-5493 www.dolinsekinsuranceservices.com Don Ramatici Insurance 731-A Southpoint Blvd. Petaluma CA 94954 (707) 782-9200 www.ramaticiins.com
Dorfman Insurance Agencies 6020 Commerce Blvd., Ste. 123 Rohnert Park CA 94928 (707) 584-8575
Hodges Insurance 416 Aviation Blvd., Ste. E Santa Rosa CA 95403 (707) 525-5710
Eagle Group, Inc. 4357-D Montgomery Dr. Santa Rosa CA 95405 (707) 579-4300
Holden Insurance 223 Temelec Cir. Sonoma CA 95476 (707) 996-2674
www.eaglegroupinc.com
Hover Insurance Services, Inc. 415 A St. Petaluma CA 94952 (707) 778-8181 www.hoverinsurance.com
Edward Sornstein, CLU 645 Fourth St., Ste. 201 Santa Rosa CA 95404 (707) 526-6602
Klohe Insurance Group 4735 Old Redwood Hwy., Ste. B Santa Rosa CA 95403 (707) 571-8661 www.klohe.com
Hunsaker Insurance 2455 Bennett Valley Rd. Santa Rosa CA 95404 (707) 528-7171 www.farmers.com
Federated Insurance Co. 100 Brush Creek Rd. Santa Rosa CA 95404 (707) 538-4274 www.federatedinsurance.com
Industrial & Commercial Insurance 987 Airway Ct., Ste. 26 Santa Rosa CA 95403 (707) 527-5800
George Heath, Insurance Agent 1355 Dutton Ave., Ste. 222 Santa Rosa CA 95401 (707) 546-2010
Daniel Stewart 4498 Byrne Ct. Santa Rosa CA 95409 (707) 541-7482
George Petersen Insurance Agency 627 College Ave. Santa Rosa CA 95404 (707) 525-4150 www.gpins.com Gill Insurance Agency 17505 Sonoma Hwy. Sonoma CA 95476 (707) 938-9900 Gondola-Kinne Insurance Agency 1241 Grove St. Healdsburg CA 95448 (707) 433-3344 Gordon Koop Soaring Capital 2002 Pinecrest Dr. Santa Rosa CA 95403 (707) 578-3130
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Kangas Insurance & Financial Svcs. 2347 Red Oak Dr. Santa Rosa CA 95403 (707) 576-1100 www.kangasinsurance.com
Evans Insurance Agency 151 Montgomery Dr. Santa Rosa CA 95404 (707) 525-8092
Dan Kessler Insurance & Financial Svcs. 100 E St. Santa Rosa CA 95404 (707) 544-8383
Isu Sander, Jacobs, Cassayre Insurance Svcs. 4983 Sonoma Hwy. Santa Rosa CA 95409 (707) 537-8838 www.sanderjacobs.com J. Rivas Insurance 1260 N. Dutton Ave., Ste. 180 Santa Rosa CA 95401 (707) 579-1900
Kobrin Financial Services 190 Wikiup Dr. Santa Rosa CA 95403 (707) 566-6775 www.kobrinfinancialservices.com Kyle Schooley Insurance 450 Lakeville St., Ste. D Petaluma CA 94952 (707) 763-7039 www.farmers.com Laiks Insurance & Financial Svcs. 520 Mendocino Ave. Santa Rosa CA 95401 (707) 570-0290 Lancina Clarke, CLU, ChFC 645 Fourth St. Santa Rosa CA 95404 (707) 527-7711 Larry Tencer Insurance Agency 55 Maria Dr., Ste. 840 Petaluma CA 94954 (707) 763-7000 www.tencerinsurance.com Lehr Insurance Agency, Inc. 2240 Professional Dr. Santa Rosa CA 95403 (707) 546-3700 www.lehragency.com
Jeffery W. Smith Insurance 8741 Old Redwood Hwy. Windsor CA 95492 (707) 838-9777 www.farmers.com
Lemus Insurance 401 Washington St., Ste. A Petaluma CA 94952 (707) 762-1180
Jeffrey W. Stephens Financial 1068 Fryer Creek Dr. Sonoma CA 95476 (707) 938-1696 Jim Kinkela Insurance 2500 Vallejo St., Ste. 103 Santa Rosa CA 95405 (707) 527-7330 www.farmers.com
Joe Magelitz Insurance 151 Montgomery Dr. Santa Rosa CA 95404 (707) 546-2332 www.farmers.com John Feerick Insurance Agency 410 S. Petaluma Blvd., Ste. B Petaluma CA 94952 (707) 763-2238 www.johnfeerick@allstate.com
Heffernan Insurance Brokers 101 Second St., Ste. 120 Petaluma CA 94952 (800) 655-7796 www.heffgroup.com
www.culleyinsurance.com
Db Claims Services Group, Inc. 6050 Commerce Blvd. Rohnert Park CA 94928 (707) 588-8215 www.dbclaims.com
HealthMarkets Insurance 5350 Commerce Blvd., Ste. I Rohnert Park CA 94928 (707) 292-4350 www.ronaldhawks-ins.com
Don W. Beal Insurance Agency 2312 Bethards Dr. Santa Rosa CA 95405 (707) 526-6060
Gary R. Long Financial Services 135 Keller St. Petaluma CA 94952 (707) 773-3560
David Haynes Insurance Agency 85 Brookwood Ave., Ste. 23 Santa Rosa CA 95404 (707) 568-2880 www.haynesins.com
Health Resource Management 11 Brookside Way Petaluma CA 94952 (707) 763-4500
Lo Cicero & Associates 1421 Guerneville Rd., Ste. 222 Santa Rosa CA 95402 (707) 523-4433 Long Insurance Agency 1241 Grove St. Healdsburg CA 95448 (707) 584-5098
North Bay Business Resource Guide 2009
Choosing the Right Business Insurance Agent and Insurance
T
here are a lot of options for business insurance. To ensure you get the right kind, it’s a smart move to ask for assistance from a business insurance agent. Don’t choose someone who’s simply selling business insurance or promoting certain companies. Instead, choose someone who can assist you all the way from choosing the right coverage to making claims. In general, business insurance is a long process, and getting the right agent is a critical component. There are two types of business insurance agents. One is independent and one is exclusive to a particular company. The independent agent is a multiple carrier agent who can determine which providers can best suit your needs. Independent agents aren’t affiliated with one particular insurance company, but instead work with many. Both types are expected to be well-versed about the insurance industry, how insurance works, and type of insurance that suits your needs. But independent agents can give you options on different insurance providers, while exclusive agents present you with what their affiliated company offers. If you’re looking for more options in terms of several insurance providers and different rates, you can go for the independent agent. But if you’ve done your own research and want to know more about the company you chose, you’ll have to talk to its exclusive agent. There are many ways to look for business insurance agents. One way is to look online. When you do so, be sure to check their customer comments and reviews, so you can get a feel for their reliability and level of professionalism. While online, you can also immediately get business insurance quotes from various providers and compare the rates. Aside from online searching, you can also look for your business insurance provider by your local directory (such as this resource guide), or through referrals from your personal contacts. Types of insurance Once you’ve chosen a provider, it will be time to consider your specific insurance needs. Without proper protection, misfortunes such as the death of a partner or key employee, embezzlement, a lawsuit, or a natural disaster could spell the end of a thriving operation. Ranging from indispensable workers’ compensation insurance to the relatively obscure executive kidnapping coverage, insurance is available for nearly any business risk. Considering the multitude of available options, business owners must carefully weigh whether the cost of certain premiums will justify the coverage for a given risk. General liability. Many business owners buy general liability or umbrella liability insurance to cover legal hassles due to negligence claims. These help protect against payments as the result of bodily injury or property damage, medical expenses, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure. North Bay Business Resource Guide 2009
Product liability. Every product is capable of personal injury or property damage. Companies that manufacture, wholesale, distribute and retail a product may be liable for its safety. Additionally, every service rendered may be capable of personal injury or property damage. Businesses are considered liable for negligence, breach of an express or implied warranty, defective products and defective warnings or instructions. Home-based business insurance. Contrary to popular belief, homeowners’ insurance policies don’t generally cover homebased business losses. Commonly needed insurance areas for home-based businesses include business property, professional liability, personal and advertising injury, loss of business data, crime and theft, and disability. Internet business insurance. Web-based businesses may wish to look into specialized insurance that covers liability for damage done by hackers and viruses. In addition, e-insurance often covers specialized online activities, including lawsuits resulting from meta tag abuse, banner advertising or electronic copyright infringement. Workers’ compensation. Workers’ compensation insurance pays for employees’ medical expenses and missed wages if injured while working. The amount of insurance employers must carry, rate of payment, and what types of employees must be carried varies. Criminal insurance. No matter how tight security is in your workplace, theft and malicious damage are always possibilities. While the dangers associated with hacking, vandalism and general theft are obvious, employee embezzlement is more common than most business owners think. Criminal insurance and employee bonds can provide protection against losses in most criminal areas. Business interruption insurance. Some businesses may wish to acquire insurance that covers losses during natural disasters, fires and other catastrophes that may cause the operation to shut down for a significant amount of time. Key person insurance. In addition to a business continuation plan that outlines how the company will maintain operations if a key person dies, falls ill or leaves, some companies may wish to buy key person insurance. This type of coverage is usually life insurance that names the corporation as a beneficiary if an essential person dies or is disabled. Malpractice insurance. Some licensed professionals need protection against payments as the result of bodily injury or property damage, medical expenses, the cost of defending lawsuits, investigations and settlements, and bonds or judgments required during an appeal procedure. Source: U.S. Small Business Administration (for types of insurance section)
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INSURANCE SERVICES Long Term Care 4356 Cox Dr. Santa Rosa CA 95409 (707) 538-4818 Magnolia LTC Management, Inc. 716 College Ave. Santa Rosa CA 95404 (707) 571-7430 www.magnolialtc.com Martin Financial Insurance Services 1330 N. Dutton Ave., Ste. 104 Santa Rosa CA 95401 (707) 578-8318 www.lifesearch.com Martinelli Insurance 725 E. Washington St., Ste. 202 Petaluma CA 94952 (707) 766-8959 Matsen Insurance Brokers 3550 Round Barn Blvd., Ste. 205 Santa Rosa CA 95403 (707) 528-7299 www.matsenexpress.com Maximo Insurance Services, Inc. 443 Dutton Ave. Santa Rosa CA 95407 (707) 544-8000 McDonald-Leavitt Insurance 2800 Cleveland Ave., Ste. D Santa Rosa CA 95403 (707) 284-5900 www.leavitt.com Mesa Insurance Administrators, Inc. 576 B St. Santa Rosa CA 95401 (707) 542-9930 MG Insurance Services 5430 Commerce Blvd., Ste. I Rohnert Park CA 94928 (707) 585-9426
North Bay Insurance Brokers, Inc. 25 Mcdonell St. Sonoma CA 95476 (707) 996-6738 www.northbayinsurance.com
NorthWest Insurance Agency, Inc. 418 B St., Ste. 100 Santa Rosa CA 95402 (707) 573-1300 www.nwcinsure.com Pacific Coast E&S Insurance 2235 Mercury Way, Ste. 110 Santa Rosa CA 95407 (707) 573-9136 www.pacificcoastes.com Principal Financial Group 120 Avram Ave., Ste. 201 Rohnert Park CA 94928 (707) 792-2400 www.principal.com Prudential Insurance Co. Marty Benck 110 Stony Point Rd., Ste. 220 Santa Rosa CA 95401 (707) 545-4700 www.prudential.com Race Way Insurance 555 Sebastopol Rd., Ste. E Santa Rosa CA 95407 (707) 569-0309 RealCare Insurance Marketing, Inc. 19310 Sonoma Hwy., Ste. A Sonoma CA 95476 (800) 969-8808 Redwood Empire Municipal Insurance 414 W. Napa St. Sonoma CA 95476 (707) 938-2388
Robert Stroud, Insurance Agent 1355 N. Dutton Ave. Santa Rosa CA 95401 (707) 546-2010 Rogers & Young Insurance Services 800 Edgewood Pl. Windsor CA 95492 (707) 687-2200 www.rogers-young.com
Sackett & Associates Insurance Services P.O. Box 1836 Sebastopol CA 95473 (707) 823-3689 www.sackettinsurance.net
Sandeen Insurance Services 1400 Guerneville Rd., Ste. 7 Santa Rosa CA 95403 (707) 542-5522 Sebastopol Insurance Agency 105 Morris St., Ste. 120 Sebastopol CA 95473 (707) 829-5921 www.sebastopolinsurance.com Sevall, Thwaites & Soper Insurance P.O. Box 12217 Santa Rosa CA 95406 (707) 546-2146 Sibert Insurance Services 215 Foss Creek Cir. Healdsburg CA 95448 (707) 433-5359
Miguel Rosas Insurance Services 1175 W. Steele Ln., Ste. 2 Santa Rosa CA 95403 (707) 570-0477
Sitzmann, Morris & Lavis, Inc. 2455 Bennett Valley Rd., Ste. B-205 Santa Rosa CA 95404 (707) 577-8300 www.smlinc.com
Mitch White Insurance 1372 N. Mcdowell Blvd., Ste. B Petaluma CA 94952 (888) 778-7650 www.mitchwhiteagency.com
Ringler Associates 17255 E. Seventh St. Sonoma CA 95476 (707) 935-1080 www.ringlerassociates.com
SST Insurance Brokers, Inc. 446 W. Napa St. Sonoma CA 95476 (707) 996-1232 www.sstins.com
New York Life Insurance 2235 Mercury Way, Ste. 100 Santa Rosa CA 95407 (707) 542-3462
Ritch Insurance Services 1211 N. Dutton Ave., Ste. K Santa Rosa CA 95401 (707) 579-7602
Sue M. Larson Financial Services 194 Wikiup Dr., Ste. B Santa Rosa CA 95403 (707) 571-1573
www.longtermcare4ca.com
Sutter Insurance Company 1301 Redwood Way Petaluma CA 94954 (707) 793-0808 www.sutterinsurance.com
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Robert C. Adams Insurance Svcs. 5577 Skylane Blvd. Santa Rosa CA 95403 (707) 575-0877
Team Insurance 1160 N. Dutton Ave. Santa Rosa CA 95401 (707) 545-5989 Travis McCulloch Insurance 1605 Fourth St. Santa Rosa CA 95401 (707) 545-5984 Trebe Insurance Agency 670 W. Napa St., Ste. J Sonoma CA 95476 (707) 938-1818 Trinity E & S Insurance Svcs., Inc. 1310 Redwood Way, Ste. 210 Petaluma CA 94954 (707) 792-5680 www.trinityinsurance.com
Salmon & Felte Insurance 200 Montgomery Dr., Ste. F Santa Rosa CA 95404 (707) 566-6958
Redwood Empire Schools Insurance Group 5760 Skyline Blvd., Ste. 100 Windsor CA 95492 (707) 836-0779 www.resig.com
New York Life Insurance 600 Bicentennial Way, Ste. 100 Santa Rosa CA 95403 (707) 535-8773 www.newyorklife.com
Tangram Program Managers 140 Second St., Ste. 320 Petaluma CA 94952 (707) 781-7381 www.tangramins.com
Vantreo Insurance Brokerage 100 Stony Point Rd., Ste.160 Santa Rosa CA 95401 (707) 546-2300 www.vantreo.com Vista International Insurance Brokers 1318 Redwood Way, Ste. 250 Petaluma CA 94954 (707) 796-7180 www.vistainternational.com Wells Fargo Insurance Services of California 1039-A N. McDowell Blvd. Petaluma CA 94954 (707) 769-2900 Whitman & Samuelson Insurance Svcs., Inc. 1012 Clegg Ct. Petaluma CA 94954 (707) 794-8701 www.whitman-insurance.com
â– LIFE/HEALTH/AUTO AAA-California State Automobile Assoc. 1500 Farmers Ln. Santa Rosa CA 95405 (707) 544-1010 www.aaa.com AAA-California State Automobile Assoc. 650 W. Second St. Sonoma CA 95476 (707) 996-1083 www.aaa.com Allstate Insurance Agency Gary Matto 10 Keller St., Ste. 125 Petaluma CA 94952 (707) 769-5023
North Bay Business Resource Guide 2009
INSURANCE SERVICES Allstate Insurance Agency Bill Creveling 620 E. Washington St., Ste. 202 Petaluma CA 94952 (707) 769-0500 Allstate Insurance Agency Rosemary Mojica 6950 Commerce Blvd., Ste. 3 Rohnert Park CA 94928 (707) 795-1601 Allstate Insurance Agency Greg Simpkins 6650 Commerce Blvd., Ste. 16 Rohnert Park CA 94928 (707) 585-8610 www.gregsimpkins.com Allstate Insurance Agency Steven Memmer 4623 Sonoma Hwy. Santa Rosa CA 95409 (707) 539-3004 Allstate Insurance Agency Charles D. Wong 2700 Yulupa Ave., Ste. 5A Santa Rosa CA 95405 (707) 525-3200 www.allstate.com Allstate Insurance Agency Debi Fitzgerald 748 Montecito Ctr. Santa Rosa CA 95409 (707) 537-3930 Allstate Insurance Agency Mark Scheuer 194 Wikiup Dr., Ste. A Santa Rosa CA 95403 (707) 579-0805 Allstate Insurance Agency Lawrence Lehr 8733 Lakewood Dr., Ste. D Windsor CA 95492 (707) 837-2146 www.lehragency.com Allstate Insurance Agency Jeff Leasure 88 Windsor River Rd. Windsor CA 95492 (707) 836-6836 American General Life Insurance P.O. Box 6193 Santa Rosa CA 95406 (707) 836-7831 American Income Life Insurance 120 Stony Point Rd. Santa Rosa CA 95401 (707) 542-2888 App Insurance 3645 Banyan Pl. Santa Rosa CA 95403 (707) 526-1212
Auto Saver Plus Insurance Agency 620 Sebastopol Rd. Santa Rosa CA 95407 (707) 523-1888 AutoMex Insurance 750 Stony Point Rd. Santa Rosa CA 95407 (707) 528-0630 Bankers Life & Casualty Co. 2235 Challenger Way, Ste. B-108 Santa Rosa CA 95407 (707) 546-3965 www.bankers.com
Farmers Insurance Group Gianna Volpi 316 S. Petaluma Blvd. Petaluma CA 94952 (707) 763-8586 www.farmersagent.com/gvolpi/
Farmers Insurance Group Louis Jenkins 73-B St. James Dr. Santa Rosa CA 95403 (707) 575-5204 www.farmersagent.com/ljenkins/
Farmers Insurance Group John Milner 5350 Commerce Blvd., Ste. E Rohnert Park CA 94928 (707) 584-9003
Farmers Insurance Group George Marcillac 611 Humboldt St. Santa Rosa CA 95404 (707) 523-0908 www.farmers.com
Farmers Insurance Group Gary Kozak 5350 Commerce Blvd., Ste. E Rohnert Park CA 94928 (707) 584-9766 www.farmersagent.com/gkozak/
Farmers Insurance Group E. Paul Stychno 100 Stony Point Rd., Ste. 250 Santa Rosa CA 95401 (707) 526-2033
Farmers Insurance Group Corrina Salvadori 160 Wikiup Dr., Ste. 102 Santa Rosa CA 95403 (707) 571-1210 www.farmers.com
Farmers Insurance Group Christopher Stuhr 301 N. Main St. Sebastopol CA 95472 (707) 823-1886 www.farmers.com
Esquivel Insurance Agency 1260 Healdsburg Ave., Ste. 201 Healdsburg CA 95448 (707) 433-4207 www.andyesquivel.com
Farmers Insurance Group Steven Kiddoo 2455 Bennett Valley Rd., Ste. B115 Santa Rosa CA 95404 (707) 526-3311 www.farmersagent.com/skiddoo/
Farmers Insurance Group Paul Butkus 851 S. Gravenstein Hwy. Sebastopol CA 95472 (707) 823-5378 www.farmersagent.com/pbutkus/
Farmers Insurance Group Joy Warren 104 E. First St. Cloverdale CA 95425 (707) 894-2376 www.farmersagent.com/jwarren1/
Farmers Insurance Group Mike Rosetti 835 Piner Rd., Ste. B Santa Rosa CA 95403 (707) 545-3000 www.farmersagent.com/mrosetti/
Farmers Insurance Group Jeffrey Martin 670 W. Napa St., Ste. H2 Sonoma CA 95476 (707) 996-3632 www.farmers.com
Farmers Insurance Group Bruce Dini 215 Foss Creek Cir. Healdsburg CA 95448 (707) 431-4221 www.farmersagent.com/bdini/
Farmers Insurance Group Jerry Rammer 2500 Vallejo St., Ste. 103 Santa Rosa CA 95405 (707) 569-0217 www.farmersagent.com/jrammer/
Farmers Insurance Group Fernando Marron 9940 Starr Rd., Ste. 180 Windsor CA 95492 (707) 836-9790 www.farmers.com
Farmers Insurance Group Thomas Sawyer 10010 Main St. Penngrove CA 94951 (707) 795-2337 www.farmers.com
Farmers Insurance Group Brian Bertoli 1211 N. Dutton Ave., Ste. B Santa Rosa CA 95401 (707) 579-2643
Farmers Insurance Group Lorena Solano 8979 Conde Ln., Ste. B Windsor CA 95492 (707) 837-0722 www.farmersagent.com/lsolano/
Cook & Associates P.O. Box 2076 Sonoma CA 95476 (707) 935-7362 www.healthinsurancesonoma.com Dental Insurance Services 101 H St. Petaluma CA 94955 (707) 789-9033 www.dentalinsuranceserv.com
Farmers Insurance Group Debra Lynn 1451 Capri Ave. Petaluma CA 94954 (707) 753-3052 Farmers Insurance Group Brian Delaney 121 Washington St. Petaluma CA 94952 (707) 765-1420 www.farmersagent.com/bdelaney/ Farmers Insurance Group Kanoa Rosado 765 Baywood Dr., Ste. 170 Petaluma CA 94954 (707) 765-0400 www.farmers.com
North Bay Business Resource Guide 2009
Farmers Insurance Group Gary Hylbak 1400 Guerneville Rd., Ste. 8 Santa Rosa CA 95403 (707) 456-5700 Farmers Insurance Group Daniel Evans 2200 Range Ave., Ste. 105 Santa Rosa CA 95403 (707) 542-7405 Farmers Insurance Group Susan Anderson-Krieg 725 Farmers Ln. Santa Rosa CA 95405 (707) 579-1656 www.farmers.com
Fillinger Insurance 800 Baywood Dr., Ste. D Petaluma CA 94954 (707) 763-4130 www.fillingerinsurance.com J & M Murray Insurance Services 1055 Broadway, Ste. B Sonoma CA 95476 (707) 996-4970 www.myhealthquotenow.com JC Lewis Insurance Svcs. 150 Professional Center Dr., Ste. C Rohnert Park CA 94928 (707) 585-5280 www.jclis.com
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Ritch Insurance Services 404 Medocino Avenue, suite 200 Santa Rosa, 95401 707-529-1209 Fax: 707-579-7602 www.longtermcare4ca.com
RITCH INSURANCE SERVICES Isn’t it time your health plan had its check up? Yes, times (and policies) are changing. Businesses are needing to revisit decisions and looking at every turn to save money. Many times a great deal of savings is found by shopping health plans. And it can’t hurt for your company to do the same. Come meet with Ed and Colby. Have them look over your plans to see if there are opportunities to help you. It doesn’t take much time and they’ll even provide the coffee.
“If you’re singing the blues.. come see us — we’re singing a different tune.”
Sponsored by Ritch Insurance Services
A Winning Attitude By Ed Ritch n my 30 years as an independent businessman, I’ve learned a few things about the nature of business and made some valuable observations about the power of a positive attitude. I’d like to pass that knowledge on to those who are worried about the future of our economy.
I
1. Recession/depression also refers to a state of mind. I believe a reactive state of mind has fueled the current panic as much as the actual financial circumstances we’re facing. If we don’t participate in the panic and instead realize that change always brings opportunities, we’ll all find our way through this temporary setback. If your mind is focusing on fear, it’ll seize up and won’t be able to think creatively. If this happens, solutions that are right under your nose will be missed. So don’t fear change, embrace it and adjust. As an example, imagine that you are in the middle of a chess match. You look away from the chessboard, and when you look back, all the pieces have been moved. However frustrating, this new set of circumstances should be viewed as an opportunity, because within every adversity lies the seed of positive solution and change.
2. Have a firefighter mentality. What would you think of a firefighter who ran from a fire? We expect firefighters to run to the fire. It’s the only solution. We need to apply the same type of courage to our current economy and face the fire head-on. This is also called “responsible optimism,” meaning always be prepared for the worst but always expect the best. Today, when we’re all faced with overwhelming economic hurdles, it’s vitally important to face these circumstances with a positive perspective and belief that a solution can be found. Your attitude should always be your first step, because it’s completely under your control.
3. Be a good neighbor. One good thing that’s come from the financial crisis is a return to simpler living and basic values. We all effect each other, and by sowing the seeds of hope in our communities and encouraging our neighbors and fellow businesses to do the same, we can instill a positive perspective and move North Bay Business Resource Guide 2009
forward together for the benefit of us all. Be a positive thinker and model leadership in your community. The payback will be beyond your wildest imaginings. When you’re positive, you'll not only attract others of like mind but, in these negative times, you'll stand out. Become a beacon of hope. It’s important to acknowledge negative circumstances, but it's more important to be part of the solution. Positive action is always the source of solutions; model this for your associates, you’ll all reap the rewards.
4. Get back to business basics. How did you build your business? More than likely, you took a few chances along the way and you have a history of overcoming adversity. This isn't the first time the economy has taken a dive. It’s time to reach back, into your own experience—possibly working smarter, harder and/or longer—to refocus your business for the new economy as it emerges. Understand that faith in yourself and in your country is more important now than ever before. In the end, how you emerge from this current (but not permanent) economic turmoil will depend on your approach. Ultimately, it's all about the proactive actions you take and the attitude you put forth. Start the day reading or listening to positive messages, or begin by giving thanks—we all have something to be thankful for, even in the hardest of times. Commit to doing something that’s part of the solution everyday. This mindset is much more powerful than it seems: No risk, high return—sounds like the perfect investment. A positive attitude is contagious, but so is being negative. Find individuals with "winning attitudes" and interact with them. Commit yourself every day to positive outcomes, and help others to do the same. In the end, incorporating these practices into your daily routine will enable you to look back at this time and reflect how your specific attitude and behavior made it possible to emerge successfully into the next market upturn. ■
Ed Ritch and his son, Colby, are pricipals of Santa Rosa’s Ritch Insurance Services, a family-owned business that’s been serving its customers for more than 25 years. They can be reached at (707) 579-1209. NorthBaybiz
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INSURANCE SERVICES Kevin B. Brown Insurance Svcs. 228 Todd Ave. Sonoma CA 95476 (707) 933-8444 Liberty Mutual 11 Fifth St., Ste. 204 Petaluma CA 94952 (707) 776-0962 www.libertymutual.com Macdonald Insurance Services P.O. Box 6297 Santa Rosa CA 95403 (707) 573-1007 www.macdonaldhealthinsurance.com Moraine Associates 128 N. Cloverdale Blvd. Cloverdale CA 95425 (707) 894-9550 www.moraineassoc.com NBI Insurance Services 6590 Commerce Blvd., Ste. C Rohnert Park CA 94928 (707) 588-0412 www.nbiauto.com New York Life Insurance Jeffery Pieper P.O. Box 750594 Petaluma CA 94975 (707) 773-1219 New York Life Insurance Sanford Bressick 321 College Ave. Santa Rosa CA 95401 (707) 528-1597
State Farm Insurance Joe Ruppe 5875 Sonoma Hwy., Ste. B Santa Rosa CA 95409 (707) 537-3660
State Farm Insurance Chris Andersen 124 Broad St. Cloverdale CA 95425 (707) 894-8800
State Farm Insurance Frank Dutto 806 Sonoma Ave., Ste. A Santa Rosa CA 95404 (707) 545-9018 www.frankdutto.com
State Farm Insurance Heidi Kibbe 14 Keller St. Petaluma CA 94952 (707) 762-6639
State Farm Insurance Barb Amick 1400 Guerneville Rd., Ste. 5 Santa Rosa CA 95403 (707) 545-6190 www.barbamick.com State Farm Insurance Joy Walp 475 Stony Point Rd. Santa Rosa CA 95401 (707) 525-9000 www.joywalp.com State Farm Insurance Richard Kettlewell 3401 Cleveland Ave., Ste. 3 Santa Rosa CA 95403 (707) 526-0515 State Farm Insurance Ronald Hosack 2312 Bethards Dr., Ste. 1 Santa Rosa CA 95405 (707) 544-1555
State Farm Insurance Renee Hyde 9082 Windsor Rd. Windsor CA 95492 (707) 837-7500 www.reneehyde.com
State Farm Insurance Nancy Cooley 800 Lindberg Ln., Ste. 120 Petaluma CA 94952 (707) 763-1000 www.nancycooley.com
Zeller's Insurance & Financial Services 18911 Sonoma Hwy. Sonoma CA 95476 (707) 996-5282
â– TITLE INSURANCE
State Farm Insurance Sue Bergman , CPCU, LUTCF 1310 Commerce St., Ste. A Petaluma CA 94954 (707) 763-9722 www.statefarm.com
Cornerstone Title Co. 600 Bicentennial Way, Ste. 101 Santa Rosa CA 95403 (707) 578-5271 www.cornerstonetitleco.com
State Farm Insurance Mike Livingston 1451 Guerneville Rd., Ste. 400 Santa Rosa CA 95403 (707) 526-3002 www.mike@mlivingston.com State Farm Insurance Kathy Crim 4777 Sonoma Hwy. Santa Rosa CA 95409 (707) 538-7093
Norcoast Life Insurance Agency, Inc. 100 Brush Creek Rd., Ste. 103 Santa Rosa CA 95404 (707) 539-5528 www.norcoastlife.com
State Farm Insurance John Wehde, CPCU, CLU 1260 Farmers Ln. Santa Rosa CA 95405 (707) 542-4544 www.johnwehde.com
State Farm Insurance Carolyn Pollard 1144 State Farm Dr. Santa Rosa CA 95403 (707) 545-9014 www.carolynpollard.com
Schieffer Insurance Agency 338 Center St. Healdsburg CA 95448 (707) 433-3374 www.schiefferagency.com
State Farm Insurance Judi Van Gorder 7765 Healdsburg Ave., Ste. 3 Sebastopol CA 95472 (707) 823-1111
State Farm Insurance Kitty Mayer 845 Fourth St. Santa Rosa CA 95404 (707) 523-4000
SKO Insurance Services 649 W. First St., Ste. 29 Sonoma CA 95476 (707) 343-1700 www.skoinsurance.com
State Farm Insurance Mark Fink 825 N. Gravenstein Hwy., Ste. 1 Sebastopol CA 95472 (707) 823-6400
www.kittymayer.com
Spahr Insurance Services P.O. Box 751180 Petaluma CA 94975 (800) 237-0107 www.spahr.com
State Farm Insurance Anea Kamahele 725 Broadway Sonoma CA 95476 (707) 938-1680 ww.aneakamahele.com
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State Farm Insurance Gabrial Johnston 234 W. Napa St. Sonoma CA 95476 (707) 996-4800
State Farm Insurance Ike Tolks 717 E. Washington St. Petaluma CA 94952 (707) 762-5477 www.iketolks.com
State Farm Insurance Bob Marshall 822 College Ave., Ste. A Santa Rosa CA 95404 (707) 527-7773 www.statefarm.com
New York Life Insurance John Meyn 395 W. Napa St., Ste. 6 Sonoma CA 95476 (707) 996-5397
State Farm Insurance Roy Jordan 539 Broadway, Ste. B Sonoma CA 95476 (707) 938-4110 www.royjordan.com
State Farm Insurance Brian Rickerson 3818 Sebastopol Rd. Santa Rosa CA 95407 (707) 591-9600
Fidelity National Title 500 Bicentennial Way, Ste. 200 Santa Rosa CA 95403 (707) 544-1771 www.fntsonoma.com Financial Title Company 1040 N. Dutton Ave. Santa Rosa CA 95401 (707) 578-4945 www.financialtitlecompany.com First American Title Co. 30 North St. Healdsburg CA 95448 (707) 433-7288 www.firstam.com First American Title Co. 3333 Mendocino Ave., Ste. 100 Santa Rosa CA 95403 (707) 544-1560 www.firstam.com First American Title Co. 435 Petaluma Ave., Ste. 150 Sebastopol CA 95472 (707) 823-1046 www.firstam.com Stewart Title of California 1101 College Ave., Ste. 100 Santa Rosa CA 95404 (707) 526-2000 www.callandtitle.com
North Bay Business Resource Guide 2009
Insuring Your Business Against a Catastrophe
C
ould your business survive a major emergency? Businesses that recover quickly have planned in advance. They know what needs to be done as soon as a disaster strikes and, most important, they’ve purchased the right insurance to finance their recovery. It’s important to develop and maintain an adequate recovery plan to protect yourself against legal liability for the losses that might result from a disaster. Set up an emergency response plan and train employees how to carry it out. Make sure employees know whom to notify about the disaster and what measures to take to preserve life and limit property losses. These should include whom to contact for medical assistance, how to call the fire department and evacuate the building and any special precautions that should be taken before leaving the premises. Different types of disasters may call for different kinds of measures. Consider the things you may need initially during the emergency. Do you need a back-up source of power? Do you have a back-up communications system? If you’re likely to have cash-flow problems, check into the availability of loans and extensions of credit. Keep on hand a first-aid kit, a supply of flashlights, batteries, candles and candleholders and matches. Are you likely to need food and water?
while the premises are unusable. In addition, if you can’t afford to close up shop during the repair period, there’s the extra expense of keeping the business going from a temporary location. Your disaster recovery strategy should include a detailed review of your insurance policies to ensure there are no gaps in coverage. Property Insurance. Is your property—the building and its contents—insured for current replacement prices? Don’t forget to insure any improvements you’ve made to the property, such as new storage cabinets and carpets. There may be limitations on what the policy will pay for certain items. If you need higher amounts, discuss this with your agent. Typical property insurance policies exclude coverage for flood damage. If you’re located in a flood zone (check with your local municipality or bank about this), you’ll probably have to buy a separate policy from the National Flood Insurance Program. Business Interruption Insurance. After every disaster, some businesses are forced to close their doors because they didn’t plan for the costs of a disruption to their operations. Business interruption insurance compensates for income lost when you have to vacate the premises due to disaster-related
For a business, the costs of a disaster can extend beyond the physical damage to the premises, equipment, furniture and other business property. Write out each step of the plan and assign responsibilities to employees in clear and simple language. If you employ workers whose native language is not English, assign someone to make sure these workers understand what they’re required to do. Distribute copies of the plan to each employee. Practice the procedures set out in the emergency response plan with regular, scheduled drills. Compile a list of important phone numbers and addresses: Make sure you can get in touch with key people after the disaster. The list should include local and state emergency management agencies, major clients, contractors, suppliers, realtors, financial institutions, insurance agents and insurance company claim representatives, and your employees and company officials. Keep copies at home and at a more remote location (in case the disaster is widespread). Decide on a communications strategy to prevent loss of clients/customers. Whether you decide to wait out the reconstruction period or relocate to temporary premises, current clients and those who use your services or products regularly should know how to get in touch with you, and when and where you expect to reopen for business. Otherwise, many will assume that you’ll be out of action for a long time.
Review your insurance program For a business, the costs of a disaster can extend beyond the physical damage to the premises, equipment, furniture and other business property. There’s the potential loss of income North Bay Business Resource Guide 2009
damage (you must be covered for the physical damage that caused the disruption). It covers the profits a business would have earned, based on its own financial records, had the disaster not occurred. It also pays for the operating expenses that continue, such as payroll, even though business activities have come to a temporary halt. Make sure the policy limits are sufficient to cover your company for more than just a few days. After a major disaster, it can take much longer than many people anticipate to get a business back on track. Extra Expense Insurance. For some businesses, the cost of relocating can be greater than the revenue loss. Extra expense insurance reimburses you for what you spend, over and above your normal operating expenses, to avoid having to shut down during the restoration period. Review on a regular basis all the components of your disaster recovery strategy—fire safety and emergency preparedness measures, business continuation and building repair plans, and your insurance program. Communicate changes to key employees. If you need help in identifying hazards and assessing risk or more information on how to develop a disaster recovery plan, call your insurance company and ask for loss control services. ■ This article is an excerpt from the brochure, “Insuring Your Business Against a Catastrophe,” published by the Insurance Information Network of California (IINC). IINC is a nonprofit, non-lobbying communications association representing the property/casualty insurance industry. For more information, visit www.iinc.org. Reprinted from EzineArticles.com NorthBaybiz
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FINANCIAL SERVICES MARIN
NAPA
■ COMMERCIAL MORTGAGE LENDERS/BROKERS
■ COMMERCIAL MORTGAGE LENDERS/BROKERS
All California Mortgage
1st Choice Mortgage
17 E. Sir Francis Drake Blvd., Ste. 200 Larkspur CA 94939 (415) 925-5225 www.thegarberteam.com
1553 Second St. Napa CA 94559 (707) 252-2400
American Family Lending
Wallstreet Mortgage
755 Baywood Dr. Petaluma CA 94954 (707) 775-3300
2435 Professional Dr. Santa Rosa CA 95403 (707) 577-7300
www.americanfamilylending.net
Bace Financial Group
201 Corte Madera Ave. Corte Madera CA 94925 (415) 927-8002 Garry Shaw Financial Services
1016 Machin Ave. Novato CA 94945 (415) 892-6400 Manning Mortgage Associates, Inc.
1000 Fourth St., Ste. 225 San Rafael CA 94901 (415) 485-4321
www.realtorcite.com
■ GENERAL American AgCredit
1101 Vintage Ave. St. Helena CA 94574 (707) 963-9437 www.agloan.com
NorthPoint Commercial Funding Group 1010 Main St. St. Helena CA 94574 (707) 968-9428 www.npcommerical.com
Pacific Equity and Capital
1299 Fourth St., Ste. 500 San Rafael CA 94901 (415) 258-0700 www.pacificequityandcapital.com
■ GENERAL
Aita & Associates 7005 Hazel Cotter Ct., Ste. G3 Sebastopol CA 95472 (707) 829-8606 Met Life Financial Services
120 Stony Point Rd., Ste. 120 Santa Rosa CA 95401 (707) 545-8353
Citifinancial
Northcross Hill & Ach, Inc.
999 Fifth Ave., Ste. 560 San Rafael CA 94901 (415) 506-3400 www.nhainc.net Suiter Financial Systems
250 Bel Marin Keys Blvd., Ste. C-2 Novato CA 94949 (415) 884-0288 www.suiterfinancial.com The Financial Recovery Institute
1010 B St., Ste. 331 San Rafael CA 94901 (707) 793-7950 www.financialrecovery.com
SONOMA ■ COMMERCIAL MORTGAGE LENDERS/BROKERS Action Mortgage
212 N. Cloverdale Blvd. Cloverdale CA 95425 (707) 894-4323 www.actionloans.com Aladdin Mortgage Corp.
1053 College Ave. Santa Rosa CA 95404 (707) 545-5626 www.aladdinmortgage.com All California Mortgage
775 Baywood Dr., Ste. 102 Petaluma CA 94954 (707) 769-3000
317 W. First St. Sonoma CA 95476 (707) 996-5353 www.wsfin.com
■ GENERAL
110 Kentucky St. Petaluma CA 94952 (707) 781-3963
American AgCredit
Brookwood Mortgage & Investment, Inc.
100 Brown St., Ste. 220 Sebastopol CA 95472 (707) 824-4400
1345 Redwood Way Petaluma CA 94954 (707) 793-9023 www.agloan.com
American AgCredit 200 Concourse Blvd. Santa Rosa CA 95403 (707) 545-7100 www.agloan.com Citifinancial
www.cypressfinancial.com
www.metlife.com
647 Irwin St., Ste. C San Rafael CA 94901 (415) 456-8020
Bell Home Loans
144 S. E St., Ste. 205 Santa Rosa CA 95404 (707) 544-6200
www.aitaandassociates.com
www. susanbross.com
1410 Neotomas Ave., Ste. 106 Santa Rosa CA 95405 (707) 544-5696
5 Financial Plz., Ste. 205 Napa CA 94558 (707) 253-9953
■ BENEFITS
1229 College Ave. Santa Rosa CA 95404 (707) 578-1315 William Spencer Financial
Bay Sierra Financial, Inc.
U.S. Advisor, LLC
Brossmoney, LLC
50 El Pavo Real Cir. San Rafael CA 94903 (415) 479-1290
2200 Range Ave. Santa Rosa CA 95403 (707) 571-8915
Cypress Financial Mortgages & Investments, Inc.
Nor Cal Mortgage of Marin
1099 D St. San Rafael CA 94901 (415) 258-1536
Western Pacific Loans, Inc. American Pacific Mortgage, Inc.
1791 Marlow Rd., Ste. 1B Santa Rosa CA 95401 (707) 526-4300
Excel Mortgage Consultants
755 Baywood Dr. Petaluma CA 94954 (415) 601-1715
Edward Jones
www.xlmortgagesolutions.com Gilligan Financial
1206 Fourth St. Santa Rosa CA 95404 (707) 545-8183
Russell Rice 222 Weller St., Ste. 1 Petaluma CA 94952 (707) 762-0611 NorthPoint Commercial Funding Group 7182 Healdsburg Ave. Sebastopol CA 95472 (707) 823-5220
Golden Bear Financial
16001 Healdsburg Ave. Healdsburg CA 95448 (707) 433-9143
www.npcommercial.com
Golden Gate Financial
Raymond James Financial Services, Inc.
765 Baywood Dr., Ste. 327 Petaluma CA 94954 (707) 766-9464 www.goldengatefinancial.net
737 Southpoint Blvd., Ste. L Petaluma CA 94954 (707) 763-7610
Maximum Mortgage
Rudolph, Inc.
1400 N. Dutton Ave., Ste. 5 Santa Rosa CA 95401 (707) 522-6300
737 Southpoint Blvd., Ste. A Petaluma CA 94954 (707) 283-1885
Sonoma County Mortgage Co.
Score One
339 S. E St. Santa Rosa CA 95404 (707) 542-8005
881 Third St. Santa Rosa CA 95404 (707) 573-7300 www.scoreonecredit.com
Sun Pacific Mortgage & Real Estate
555 Farmers Ln. Santa Rosa CA 95405 (707) 523-2099 www.sunpacmortgage.com
56 NorthBaybiz
North Bay Business Resource Guide 2009
SAMPLE CREDIT APPLICATION FOR A BUSINESS ACCOUNT Business Contact Information Title:___________________________________________________________________________________________________ Company name:_________________________________________________________________________________________ Telephone: ______________________ Fax: __________________________ E-mail: __________________________________ Registered company address: ____________________________________________________________________________ City: ____________________________________________________________ State ______ ZIP: ______________________ Date business commenced:_______________________________________________________________________________ Sole proprietorship: _____________________________________________________________________________________ Partnership: ____________________________________________________________________________________________ Corporation: ___________________________________ Other: ________________________________________________ Business and Credit Information Primary business address: _______________________________________________________________________________ City: ____________________________________________________________ State ______ ZIP: ______________________ How long at current address? ___________________ Telephone: ______________________ Fax: __________________________ E-mail: __________________________________ Bank name: ____________________________________________________________________________________________ Bank address: ___________________________________________________ Phone: __________________________________ City: ____________________________________________________________ State ______ ZIP: ______________________ Type of account ❑ Savings ❑ Checking ❑ Other Account number ________________________________________ Business/trade references Company name: ________________________________________________________________________________________ Address: _______________________________________________________________________________________________ City: ____________________________________________________________ State ______ ZIP: ______________________ Telephone: ______________________ Fax: __________________________ E-mail: __________________________________ Type of account: ________________________________________________________________________________________ Company name: ________________________________________________________________________________________ Address: _______________________________________________________________________________________________ City: ____________________________________________________________ State ______ ZIP: ______________________ Telephone: ______________________ Fax: __________________________ E-mail: __________________________________ Type of account: ________________________________________________________________________________________ Company name: ________________________________________________________________________________________ Address: _______________________________________________________________________________________________ City: ____________________________________________________________ State ______ ZIP: ______________________ Telephone: ______________________ Fax: __________________________ E-mail: __________________________________ Type of account: ________________________________________________________________________________________ Agreement All invoices are to be paid 30 days from the date of the invoice. Claims arising from invoices must be made within seven working days. By submitting this application, you authorize inquiries into the banking and business/trade references that you have supplied. Signature ________________________________________________ Title: _______________________________________ Signature ________________________________________________ Title: _______________________________________ Date: ___________________________
North Bay Business Resource Guide 2009
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57
LEGAL SERVICES MARIN
Boggards Law Offices
Craig Stern, Atty. at Law
Eileen O'Connor Law Offices
â– ATTORNEYS
205 Camino Alto Mill Valley CA 94941 (415) 381-5002
4340 Redwood Hwy., Ste. 352 San Rafael CA 94903 (415) 472-4488
77 Piedmont Ct. Larkspur CA 94939 (415) 927-1970
A. John Dawdy, Atty. at Law
www.boggards.com
810 E St. San Rafael CA 94901 (415) 453-1008
Critchlow & Diskint, LLP, Attys. at Law Boyden Cooluris Livingston & Saxe
Environmental Law Office of David Weinsoff
Aaron Kamins
950 Northgate Dr., Ste. 307 San Rafael CA 94903 (415) 479-0455 Advice Company
2330 Marinship Way Sausalito CA 94964 (415) 388-5000 Albert E. Cordova, A Professional Law Corp.
1101 Fifth Ave., Ste. 200 San Rafael CA 94901 (415) 457-9656 Alfred B. Fowler, Atty. at Law
60 Westwood Dr. Kentfield CA 94904 (415) 461-3912 Alfred Dovbish, Atty. at Law
21 Tamal Vista Blvd. Corte Madera CA 94925 (415) 924-0808 American Mortgage Law Group, PC
75 Rowland Way, Ste. 350 Novato CA 94945 (415) 878-0030 www.americanmlg.com Anna Hodus, Atty. at Law
240 Tamal Vista Blvd. Corte Madera CA 94925 (415) 924-1299 Anne Hiaring, Atty. at Law
711 Grand Ave., Ste. 260 San Rafael CA 94901 (415) 457-2040 www.hiaringlaw.com
300 Tamal Plz., Ste. 180 Corte Madera CA 94925 (415) 924-4612
1050 Northgate Dr., Ste. 420 San Rafael CA 94903 (415) 925-1000 www.critchlowdiskintlaw.com
138 Ridgeway Ave. Fairfax CA 94930 (415) 460-9760
Curtis & Green
Erik A. Humber, Atty. at Law
1101 Fifth Ave., Ste 310 San Rafael CA 94901 (415) 456-4600
165 N. Redwood Dr. San Rafael CA 94903 (415) 479-7890
Daniel Sturm, Atty. at Law
F. Conger Fawcett
4302 Redwood Hwy., Ste. 100 San Rafael CA 94903 (415) 492-0200
240 Tamal Vista Blvd. Corte Madera CA 94925 (415) 945-0995
www.bclslaw.com Brady Law Group
1015 Irwin St. San Rafael CA 94901 (415) 459-7300 Brekhus Law Partners
1000 Drakes Landing Rd. Greenbrae CA 94904 (415) 461-1001
www.sturmlaw.com Family Law Offices of Nancy A. Nugent
950 Northgate Dr., Ste. 307 San Rafael CA 94903 (415) 499-9700
Brennan Newsom, Atty. at Law
Daryl Weinroth, Atty. at Law
30 N. San Pedro Rd., Ste. 195 Santa Rosa CA 94903 (415) 499-8100
750 Grant Ave., Ste. 250 Novato CA 94945 (415) 892-8600
Bruce C. Taylor
David C. Macpherson Law Office
55 Arguello Cir. San Rafael CA 94901 (415) 258-0846
145 Corte Madera Town Ctr., Ste. 656 Corte Madera CA 94925 (415) 924-1235
Bryan Whipple, Atty. at Law
David Hellman Law Offices
3637 Tomales-Petaluma Rd. Tomales CA 94971 (707) 878-2230
851 Irwin St., Ste. 205 San Rafael CA 94901 (415) 457-4411
www.bizlaw.ws
www.davidhellman.com
Forman & Associates
Cassel Law Offices
David Kenyon Real Estate
60 Mirabel Ave. Mill Valley CA 94941 (415) 383-0200
7200 Redwood Blvd., Ste. 404 Novato CA 94945 (415) 892-1868
4340 Redwood Hwy., Ste. 352 San Rafael CA 94903 (415) 491-2310
Charles Patterson, Atty. at Law
David Ostiller, Atty. at Law
100 Larkspur Landing Cir., Ste. 110 Larkspur CA 94939 (415) 461-4695
790 Mission Ave. San Rafael CA 94901 (415) 455-9322
Cherilyn Gilboy, Atty. at Law
Donahue Gallagher Woods, LLP
321 San Anselmo Ave. San Anselmo CA 94960 (415) 459-3131
591 Redwood Hwy., Ste. 1200 Mill Valley CA 94941 (415) 381-4161
Chilvers & Taylor
Earl Hokenson, Atty. at Law
83 Vista Marin Dr. San Rafael CA 94903 (415) 444-0875
240 Tamal Vista Blvd., Ste. 255 Corte Madera CA 94925 (415) 924-1299
Clay C. Greene, Atty. at Law
ED-Law
1120 Nye St. San Rafael CA 94901 (415) 457-4082
P.O. Box 2801 San Anselmo CA 94979 (415) 460-0894
Collins Law Corp.
Edith Kelly Politis, Atty. at Law
700 Larkspur Landing Cir., Ste. 199 Larkspur CA 94939 (415) 461-2311
1101 Fifth Ave., Ste. 200 San Rafael CA 94901 (415) 453-3055
www.collinslawcorp.com
www.edithkellypolitis.com
Flaxman & Blakey
Ford Greene Attorney
711 Sir Francis Drake Blvd. San Anselmo CA 94960 (415) 258-0360
www.louisfranecke.com Fraser Williams Heaney-Schmidt
58 NorthBaybiz
100 Tamal Plz., Ste. 140 Corte Madera CA 94925 (415) 927-5700 George J. Silvestri, Jr., Atty. at Law
250 Bel Marin Keys Blvd., Ste. F200 Novato CA 94949 (415) 883-8800
Blacker Law Firm
P.O. Box 135 San Anselmo CA 94979 (415) 305-2101
3030 Bridgeway, Ste. 127 Sausalito CA 94965 (415) 332-2421 Gary P. Oswald Law Offices
Bartley A. Dzivi, Atty. at Law
2658 Bridgeway Sausalito CA 94965 (415) 339-9550
Franecke Law Group
1115 Irwin St. San Rafael CA 94901 (415) 457-7040
Barrick Sullivan, LLC
28 Valley Cir. Mill Valley CA 94941 (415) 225-9813
591 Redwood Hwy., Ste. 2275 Mill Valley CA 94941 (415) 381-6650
Gibson Law Offices
394 Bel Marin Keys Blvd. Novato CA 94949 (415) 883-0166
North Bay Business Resource Guide 2009
LEGAL SERVICES Goldman & Associates
John R. Street
100 Larkspur Landing Cir., Ste. 112 Larkspur CA 94939 (415) 461-1490
1683 Novato Blvd., Ste. 7A Novato CA 94947 (415) 898-1441
www.goldmanattorneys.com
Law and Mediation Offices of Sami Mason
Neversail Arc Main Dock Sausalito CA 94965 (415) 331-8300
Johns + Allyn, APC Goldman & Von Bolschwing
16 W. Court Sausalito CA 94965 (415) 332-3414
1010 B St., Ste. 350 San Rafael CA 94901 (415) 459-5223
1 Harbor Dr., Ste. 106 Sausalito CA 94965 (415) 383-2889
Grancell Lebovitz et al
Joseph E. Giacomini
www.StacySworLaw.com
7250 Redwood Blvd., Ste. 370 Novato CA 94945 (415) 892-7676
118 Main St. Tiburon CA 94920 (415) 435-5470
Law Office of Alan M. Mayer, Inc.
Green Legal Solutions - Dotty LeMieux
Judith Austin Brown, Atty. at Law
8 Willow St. San Rafael CA 94901 (415) 485-1040
68 Mitchell Blvd., Ste. 200 San Rafael CA 94903 (415) 507-1400
www.landusenews.blogspot.com
www.jabrownlaw.com
Guttenberg, Rapson & Colvin, LLP
Kendall E. Hobbs, Atty. at Law
101 Lucas Valley Rd. San Rafael CA 94903 (415) 507-4525
30 Mount Tenaya Dr. San Rafael CA 94903 (415) 479-1664
J. Michael Anthony
Kenneth Drexler, Atty. at Law
790 Mission Ave. San Rafael CA 94901 (415) 485-2200
1330 Lincoln Ave. San Rafael CA 94901 (415) 485-1330
J. Patrick Heron, Atty. at Law
Kwasneski & Davis - A Professional Corp.
851 Irwin St., Ste. 206 San Rafael CA 94901 (415) 459-6635
Lamphere Law Offices
165 N. Redwood Dr., Ste. 110 San Rafael CA 94903 (415) 472-4140
900 Larkspur Landing Cir., Ste. 179 Larkspur CA 94939 (415) 461-9727
James W. Guthrie, Atty. at Law
Law and Mediation Office of Karen V. Worth
1817 Grand Ave. San Rafael CA 94901 (415) 454-8790
Jay P. Hendrickson, Atty. at Law Law and Mediation Offices of Gregory C. Dyer
Jeffrey F. Clark, Atty. at Law
103 E. Blithedale Ave. Mill Valley CA 94941 (415) 383-5061
104 Main St. Tiburon CA 94920 (415) 435-8511
Law and Mediation Offices of Kate Warner
P.O. Box 150329 San Rafael CA 94915 (415) 453-8249
Law Office of Barbara T. Zorr
4040 Civic Center Dr., Ste. 200 San Rafael CA 94903 (415) 472-1782 Law Office of Barry A. Kahn 26 El Portal Sausalito CA 94965 (415) 331-3505 www.barrykahn.com
www.fear.org
James D. Rohde, Inc.
John H. Feldman, Atty. at Law
55 Professional Center Pkwy., Ste. M San Rafael CA 94903 (415) 491-1159
Lagarias & Boulter, LLP
www.jrhastingslaw.com
1010 B St., Ste. 319 San Rafael CA 94901 (415) 456-4116
Law Office of Barbara Kauffman
Law Office of Brenda Grantland
1629 Fifth Ave. San Rafael CA 94901 (415) 460-0100
1108 Fifth Ave. San Rafael CA 94901 (415) 485-1148
1120 Nye St., Ste. 200 San Rafael CA 94901 (415) 457-4082
950 Northgate Dr., Ste. 307 San Rafael CA 94903 (415) 499-1230
J.R. Hastings Law Corp.
1005 A St. San Rafael CA 94901 (415) 457-7977
North Bay Business Resource Guide 2009
300 Tamal Plz., Ste. 175 Corte Madera CA 94925 (415) 927-9449 Law Office of Charlotte Huggins
Law and Mediation Offices of Stacy W. Swor
www.johnsandallyn.com
1330 Lincoln Ave. San Rafael CA 94901 (415) 459-4983
Law Office of Charles J. Philipps
20 Sunnyside Ave., Ste. A-204 Mill Valley CA 94941 (415) 380-9108 Law Office of Brendan P. Brewer
950 Northgate Dr., Ste. 202 San Rafael CA 94903 (415) 492-0590 www.brewerlawoffices.com
950 Northgate Dr., Ste. 307 San Rafael CA 94903 (415) 457-4497 Law Office of Colleen Doherty
175 Hilldale Dr. San Anselmo CA 94960 (415) 482-7799 www.marinpropertylaw.com Law Office of Daniel Bornstein
275 Via Casitas Greenbrae CA 94904 (415) 385-1186 Law Office of Daniel Cahill
310 Harbor Dr. Sausalito CA 94965 (415) 331-3700 Law Office of Daniel Robert Bartley
7665 Redwood Blvd., Ste. 200 Novato CA 94945 (415) 898-4741 www.bartleylawoffices.com Law Office of Daniel S. Clark
6 School St., Ste. 130 Fairfax CA 94930 (415) 459-5700 Law Office of David J. Picchi
55 Shaver St., Ste. 240 San Rafael CA 94901 (415) 457-4080 Law Office of David M. Simonini
679 Bridgeway Sausalito CA 94965 (415) 289-0242
Law Office of Brian F. Kram
950 Northgate Dr., Ste. 307 San Rafael CA 94903 (415) 507-0707
Law Office of Eda J. Cole
1 Harbor Dr., Ste. 106 Sausalito CA 94965 (415) 332-9140
Law Office of Catalina Lozano
454 Las Gallinas Ave., Ste. 275 San Rafael CA 94903 (415) 491-4990
Law Office of Edward J. Bossenecker
5 Hollyhock Ct. Mill Valley CA 94941 (415) 381-8353
Law Office of Catherine A. Lagarde
1913 Bridgeway Sausalito CA 94965 (415) 331-3284
Law Office of Eliot M. Lippman
1000 Fourth St., Ste. 580 San Rafael CA 94901 (415) 457-8898
Law Office of Charles B. Tunnell
1101 Fifth Ave., Ste. 200 San Rafael CA 94901 (415) 457-5707
Law Office of Farley S. Tolpen
339 Lowell Ave. Mill Valley CA 94941 (415) 389-8819 www.farleytolpenlaw.com
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Providing sophisticated legal services to businesses and individuals in the North Bay for over 40 Years. Areas of Practice: * * * * * * * * *
Alcohol Beverage Business Environmental Compliance Intellectual Property Labor & Employment Land Use Regulation Litigation Real Property Trusts & Estates
Napa County
Sonoma County
809 Coombs Street Napa, CA 94559
50 Old Courthouse Square, Suite 200 Santa Rosa, CA 95404
T: 707.252.7122 F: 707.255.6876
T: 707.524.7000 F: 707.546.6800
Sponsored by Dickenson, Peatman & Fogarty
Considerations for Employers When Downsizing By Brandon R. Blevans ou need not subscribe to the most erudite of publications to know that many companies are struggling with realworld impacts of the economic downturn. Businesses around the country are tightening belts, shedding headcount and looking at other cost-saving measures they hope will help them weather this current economic storm. And as the unemployment numbers tell us, many businesses are resorting to workforce reductions to save on that big-ticket cost: labor. Before engaging in a workforce reduction, however, there are a number of legal considerations a company must think about to ensure it can achieve cost savings without unnecessary legal backlash. The following outlines a number of these considerations.
Y
Reductions without WARN-ing? For companies with 100 employees or more, the federal WARN (Worker Adjustment and Retraining Notification) Act may require at least 60 days’ notice of proposed layoffs to affected employees and certain federal, state and local government agencies. The notice requirements are triggered in the event a company undergoes a cessation of operations, a plant closure or a “mass” layoff, which is defined as a loss of employment of at least 50 employees and one-third of the workforce in a 30-day period. A company can’t avoid the notice requirements by spreading the layoffs out over time, as the regulations provide that the 30-day period can be replaced with a 90-day lookback period if the same lack of work or lack of funds is the cause of the loss of employment. Although federal law has an exception when an entity is seeking financing but becomes unable to obtain it, the exception is narrow and isn’t available under California’s state WARN Act. California’s WARN statute applies to companies with 75 or more employees. Like the federal WARN, it applies in the case of a mass layoff. However, such a layoff is defined as 50 employees in a 30-day period; it contains no one-third of the workforce requirement. In the event your company is considering a mass layoff, you need to begin planning for the notice requirements well in advance. Alternatively, you should consult with counsel to determine if the structure or location of the employment losses can avoid notice altogether.
Group severance programs Many companies who find themselves laying employees off through no fault of the employee provide severance payments to those losing their jobs. In doing so, most employers obtain a “release of all claims” to ensure the departing employee isn’t getting a large severance check just to turn around and sue the company over the termination or some other issue that arose during employment. If you use such agreements, you should be aware of the following potential pitfalls. First, if you want a waiver of all claims, the agreement needs North Bay Business Resource Guide 2009
to waive the employee’s rights under Section 1542 of the Civil Code (which otherwise protects against a waiver of unknown claims). Second, if you intend a waiver of age discrimination claims for those over 40 years old, to do so requires certain language and disclosures under the Age Discrimination in Employment Act. The employees need to be advised to consult with an attorney, given 45 days to review the agreement, provided with a seven-day revocation period, and be provided with demographic data identifying those employees who were considered for the layoff program (identified by job title and age), as well as those who were ultimately chosen for the program (identified by job title and age). A failure to appropriately provide this information can result in the release being unenforceable. Third, your release agreement should make clear that the employee’s final wages are not being withheld until the agreement is signed. Under California law, it is illegal to condition payment of wages on the signing of a release. Accordingly, employees should be provided their final paycheck separate and apart from the agreement, and advised in the agreement that they can keep that check even if they decide not to accept the additional severance package. Fourth, if you’re terminating a number of employees as part of the same reduction, you need to make sure you’re not “accidentally” discriminating. This occurs when you use a facially neutral factor to determine who gets let go (like salary or last hired), but it turns out to have a statistically significant impact on a protected status (age, race or gender, for example). Once the preliminary determination is made about who’s going to be terminated, a cross check should be done to ensure no such disparate impact affects a particular protected class.
Choose your words wisely Words have meaning and, more important, the words used to inform someone of the workforce reduction can create expectations. In this context, companies need to use caution when calling the reduction a “layoff” as opposed to a “termination.” The former term (layoff) can create an expectation on the part of the employee of a right to recall back to work when business conditions improve. Accordingly, to mitigate against potential lawsuits based on a failure to rehire, unless a company intends to rehire those involved in the reduction, it should categorize the loss of employment as a termination for lack of work. To completely guard against recall expectations, terminated employees should be expressly told there is no right of recall. It’s never easy to have to make the choice to reduce your organization’s workforce. But while no one likes the process, avoiding a proper and detailed analysis of the situation will likely result in additional cost and pain for the company. With a little planning and some guidance, you can lower the angst associated with the hard decisions required by these tough economic times. NorthBaybiz
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LEGAL SERVICES Law Office of Fred Sepahpour
Law Office of Joanne Dellaverson
Law Office of Marilyn Drath
Law Office of Putnam Livermore
101 Lucas Valley Rd., Ste. 350 San Rafael CA 94903 (415) 499-9171
81 Throckmorton Ave. Mill Valley CA 94941 (415) 381-8676
213 Second St., Ste. B Sausalito CA 94965 (415) 453-4020
88 Culloden Park Rd. San Rafael CA 94901 (415) 925-2252
Law Office of Fredrica Greene
Law Office of Joel D. Bierer
Law Office of Mark C. Perry
Law Office of R. Glantz
824 E St. San Rafael CA 94901 (415) 456-6500
103 E. Blithedale Ave., Ste. 5 Mill Valley CA 94941 (415) 383-5666
135 Corte Balboa Greenbrae CA 94904 (415) 461-2422
100 Smith Ranch Rd. San Rafael CA 94903 (415) 492-3414
Law Office of Gary Kauffman
Law Office of John E. Lahart
Law Office of Mary Needham
Law Office of Richard Barry
46 N. San Pedro Rd. Santa Venetia CA 94903 (415) 492-0431
950 Northgate Dr., Ste. 107 San Rafael CA 94903 (415) 491-9500
802 B St. San Rafael CA 94901 (415) 721-7900
1000 Fourth St., Ste. 650 San Rafael CA 94915 (415) 453-0360
Law Office of George C. Martinez
Law Office of John Stanko, Inc.
Law Office of Mary Stearns
Law Office of Richard R. Kuhn
4040 Civic Center Dr. San Rafael CA 94903 (415) 892-1305
4040 Civic Center Dr., Ste. 200 San Rafael CA 94903 (415) 755-8899
4340 Redwood Hwy. San Rafael CA 94903 (415) 479-5677
222 Rush Landing Rd. Novato CA 94945 (415) 897-1100
Law Office of Megan Holbrook
Law Office of Richard R. Ruggieri
1299 Fourth St., Ste. 202 San Rafael CA 94901 (415) 457-5225
1000 Fourth St., Ste. 785 San Rafael CA 94901 (415) 457-9382
www.stankolaw.com Law Office of Glenn Youngling
1108 Irwin St. San Rafael CA 94901 (415) 454-1090
Law Office of John William Bryant
Law Office of Godfrey J. Tencer
www.belvederelaw.com
Law Office of Michael B. Samuels
Law Office of Richard Raznikov
Law Office of Julia P. Wald
1120 Nye St., Ste. 250 San Rafael CA 94901 (415) 258-9064
1005 A St., Ste. 405 San Rafael CA 94901 (415) 453-8400
Law Office of Michael F. Kelly
Law Office of Richard Wright
27 Southview Terrace San Anselmo CA 94960 (415) 453-8640
600 Sausalito Blvd. Sausalito CA 94965 (415) 332-7722
Law Office of Michael Train Caldwell
Law Office of Riede McCall Mason
1010 B St., Ste. 300 San Rafael CA 94901 (415) 453-8339
999 5th Ave., Ste. 200 San Rafael CA 94901 (415) 454-9880
Law Office of Nancy Veith
Law Office of Rita K. Johnson
700 Larkspur Landing Cir. Larkspur CA 94939 (415) 381-7733
21 Tamal Vista Blvd., Ste. 168 Corte Madera CA 94925 (415) 924-2122
1299 Fourth St., Ste. 505 San Rafael CA 94901 (415) 459-3500 Law Office of Harry V. Lehmann
1450 Grant Ave., Ste. 205 Novato CA 94945 (415) 897-2121 www.lehmannlaw.com Law Office of James A. Wattson
330 Ignacio Blvd., Ste. 201 Novato CA 94949 (415) 883-8300 www.wattsonlaw.com
118-B Main St. Tiburon CA 94920 (415) 435-4444
1108 Fifth Ave., Ste. 202 San Rafael CA 94901 (415) 482-7555 www.waldlawyers.com Law Office of Kenneth A. Coren
265 Miller Ave. Mill Valley CA 94941 (415) 381-6399 Law Office of Kenneth B. Tishgart
21 Tamal Vista Blvd. Corte Madera CA 94925 (415) 924-1200
Law Office of James Hepburn Sutton
23 Olive Ave. San Rafael CA 94901 (415) 456-1960
Law Office of Kenneth S. McFarlan
30 Mitchell Blvd. San Rafael CA 94903 (415) 472-7650
Law Office of Janet G. Sherwood
5643 Paradise Dr., Ste. 12 Corte Madera CA 94925 (415) 924-0585
Law Office of Leonard A. Rifkind
790 Mission Ave. San Rafael CA 94901 (415) 485-2200
Law Office of Jeanette Richards
700 Larkspur Landing Cir., Ste. 199 Larkspur CA 94939 (415) 435-6006
Law Office of Lisa L. Landey
51 Jewell San Rafael CA 94901 (415) 453-3315
Law Office of Jeffrey M. Howard
1550 Tiburon Blvd. Tiburon CA 94920 (415) 435-5678
Law Office of Lisa Palter
Law Office of Joan C. Rodman
www.lisasvisas.com
1629 Fifth Ave. San Rafael CA 94901 (415) 259-0593
Law Office of M. Gerald Schwartzbach
70 Hilarita Ave. Mill Valley CA 94941 (415) 380-8215
655 Redwood Hwy., Ste. 277 Mill Valley CA 94941 (415) 388-2343 www.mgslawyer.com
62 NorthBaybiz
www.rkjattorney.com Law Office of Pauline Sloan
100 Drakes Landing Rd. Greenbrae CA 94904 (415) 925-5943
Law Office of Robert C. Weems
751 Center Blvd. Fairfax CA 94930 (415) 259-0293
Law Office of Peter Farkas
454 Las Gallinas Ave. San Rafael CA 94903 (415) 924-6400
Law Office of Robert J. Begley
271 Miller Ave. Mill Valley CA 94941 (415) 388-2400
Law Office of Peter Winkler
104 Main St. Tiburon CA 94920 (415) 435-2677
Law Office of Robert V. Chin
851 Irwin St., Ste. 201 San Rafael CA 94901 (415) 256-8188
Law Office of Phyllis E. Andelin
1110 Mar West St., Ste. B Tiburon CA 94920 (415) 789-5173
Law Office of Russel J. Brubaker
37 Pacheco St., Ste. 5 San Rafael CA 94901 (415) 785-8737
Law Office of Pollak & Cusack
1701 Novato Blvd., Ste. 304 Novato CA 94947 (415) 898-5958 North Bay Business Resource Guide 2009
LEGAL SERVICES Law Office of Scott J. Kauffman
Law Offices of Carl Gonser
Law Offices of Helen Olive Milowe
Law Offices of John P. Lynch
1015 Irwin St., Ste. B San Rafael CA 94901 (415) 507-0507
9 Upper Fremont Dr. San Rafael CA 94901 (415) 459-3559
4 Bridge St. San Anselmo CA 94960 (415) 256-5400
311 Bristol Pl. Mill Valley CA 94941 (415) 383-0179
Law Office of Shawn J. Curtin
Law Offices of Charles F. Lee
Law Offices of Hugh J. Cadden
Law Offices of John W. Barnes
117 Paul Dr., Ste. C San Rafael CA 94903 (415) 492-2280
505 San Marin Dr., Ste. 180 Novato CA 94945 (415) 305-8587
810 College Ave. Kentfield CA 94904 (415) 259-0905
4040 Civic Center Dr., Ste. 200 San Rafael CA 94903 (415) 492-4538
Law Office of Sheila S. Nevins
Law Offices of Clapper, Patti, Schweizer & Mason
Law Offices of J. Frank George
Law Offices of Judith A. Bloomberg
912 Lootens Pl. San Rafael CA 94901 (415) 721-2040
874 Fourth St. San Rafael CA 94901 (415) 258-9152 Law Offices of Kenneth S. Atterman
770 Tamalpais Dr., Ste. 306 Corte Madera CA 94925 (415) 924-2006
2330 Marinship Way, Ste. 140 Sausalito CA 94965 (415) 332-4262
Law Office of Stephen P. McGee
862 Sir Francis Drake Blvd., PMB 274 San Anselmo CA 94960 (415) 256-2855
Law Offices of Craig Dykman
Law Offices of James D. Rush, A Professional Corp.
790 Mission Ave. San Rafael CA 94901 (415) 454-8545
7665 Redwood Blvd., Ste. 200 Novato CA 94945 (415) 897-4801
Law Office of Steven M. Kesten
Law Offices of D.J. Farber
400 Redhill Ave. San Anselmo CA 94979 (415) 457-2668
175 N. Redwood Dr., Ste. 130 San Rafael CA 94903 (415) 472-7181
www.workplacematters.org Law Office of Steven Sattler
950 Northgate Dr., Ste. 307 San Rafael CA 94903 (415) 499-3370 Law Office of Steven Schoonover
1537 Fourth St., Ste. 164 San Rafael CA 94901 (415) 456-3036 Law Office of Tracy Barrett
80 Main St. Tiburon CA 94920 (415) 435-5822
www.rushlawoffices.com
Law Offices of Kip Evan Steinberg
Law Offices of James H. Stopello
1000 Fourth St., Ste. 600 San Rafael CA 94901 (415) 453-2855
2175 E. Francisco Blvd., Ste. H San Rafael CA 94901 (415) 453-3886
Law Offices of Daniel A. Reidy
1001 Bridgeway, Ste. B3 Sausalito CA 94965 (415) 331-7500
802 B St. San Rafael CA 94901 (415) 482-8300
www.steinbergimmlaw.com Law Offices of Lauren M. Terk
Law Offices of James T. Proctor
1434 Lincoln Ave. San Rafael CA 94901 (415) 485-0891
700 Larkspur Landing Cir., Ste. 199 Larkspur CA 94939 (415) 464-4810 www.terklaw.com
Law Offices of David Nickerson
454 Las Gallinas Ave., Ste. 183 San Rafael CA 94903 (415) 507-9097
Law Offices of Jay Jackson
Law Offices of Lawrence Organ
P.O. Box 9 Fairfax CA 94978 (415) 458-8787
404 San Anselmo Ave. San Anselmo CA 94960 (415) 453-4740
Law Offices of Jay W. Luther
Law Offices of Lawrence Strick
21 Oak Ave. San Anselmo CA 94960 (415) 456-6197
503 D St., Ste. 2 San Rafael CA 94901 (415) 721-1200
www.lutherlaw.com
www.stricklaw.com
Law Offices of Douglas Kahn
1299 Fourth St., Ste. 307 San Rafael CA 94901 (415) 460-2888 www.kahnemployment.com
Law Office of Vernon Watters
Law Offices of Ellen S. Rothman
1299 Fourth St. San Rafael CA 94901 (415) 456-1163
770 Tamalpais Dr. Corte Madera CA 94925 (415) 924-8870
Law Offices of Jeanette M. Boudreau
Law Offices of Leo E. Arnold, Jr.
1 Harbor Dr., Ste. 106 Sausalito CA 94965 (415) 331-4841
21 Ward St. Larkspur CA 94939 (415) 927-7190
Law Offices of Adrienne D. Cohen
Law Offices of Gary L. Kaplan
www.boudlaw.com
999 Fifth Ave. San Rafael CA 94901 (415) 454-0500
31 De Burgh Dr. San Anselmo CA 94960 (415) 999-3274
Law Offices of Joan Mann Thomas
Law Offices of Andrew Gaudin
Law Offices of Gerald Holmes
1299 Fourth St. San Rafael CA 94901 (415) 451-4970
Bon Air Shopping Ctr., Ste. 298 Greenbrae CA 94904 (415) 461-1226
Law Offices of Beth S. Jordan
Law Offices of Gerard A. Falzone
1120 Nye St., Ste. 250 San Rafael CA 94901 (415) 485-9290
747 B St. San Rafael CA 94901 (415) 482-7800
Law Offices of Bonner and Bonner
Law Offices of Gregory R. Shaughnessy
1913 Bridgeway Sausalito CA 94965 (415) 331-3070
55 Main St. Tiburon CA 94920 (415) 435-2409 www.grs-law.com
North Bay Business Resource Guide 2009
Law Offices of Leon Reich
851 Irwin St., Ste. 204 San Rafael CA 94901 (415) 485-1212
4300 Redwood Hwy., Ste. 100 San Rafael CA 94903 (415) 472-7416 Law Offices of Leslie M. Lava
Law Offices of Johanna T. Gomez
30 Mitchell Blvd. San Rafael CA 94903 (415) 492-1502
207 Second St., Ste. A Sausalito CA 94965 (415) 331-6464 Law Offices of Lisa Spann Maslow, PC
Law Offices of John C. Gibson
240 Tamal Vista Blvd. Corte Madera CA 94925 (415) 924-9262
138 Reed Blvd. Mill Valley CA 94941 (415) 380-9470 Law Offices of Lori B. Feldman
Law Offices of John L. Fallat
523 Fourth St., Ste. 210 San Rafael CA 94901 (415) 399-1180
165 N. Redwood Dr. San Rafael CA 94903 (415) 492-2120
NorthBaybiz
63
LEGAL SERVICES Law Offices of Margaret M. Farley
Law Offices of Sharon F. Mah
Lawrence Bragman, Atty. at Law
Marin County District Attorney
165 N. Redwood Dr., Ste. 285 San Rafael CA 94903 (415) 492-8690
999 Fifth St., Ste. 200 San Rafael CA 94901 (415) 454-9680
912 Lootens Pl. San Rafael CA 94901 (415) 459-6060
3501 Civic Center Dr., Ste. 130 San Rafael CA 94903 (415) 499-6450
Law Offices of Mattaniah Eytan
Law Offices of Stephen Perelson
Lawrence Siegel Law Office
Marin County Exchange Corp.
21 Tamal Vista Blvd., Ste. 219 Corte Madera CA 94925 (415) 399-1000
265 Miller Ave. Mill Valley CA 94941 (415) 383-1070
907 Sir Francis Drake Blvd. Kentfield CA 94904 (415) 256-8844
851 Irwin St., Ste. 205 San Rafael CA 94901 (415) 457-4411
Law Offices of Matthew N. White
Law Offices of Steven Duditch
Lawyers For One America
1000 Fourth St., Ste. 600 San Rafael CA 94901 (415) 453-1010
1110 Lincoln Ave. San Rafael CA 94901 (415) 456-3422
4136 Redwood Hwy., Ste. 9 San Rafael CA 94903 (415) 479-3645
Law Offices of Michael Dietrick
Law Offices of Steven W. Baker
Lerner Poole, LLP
1000 Fourth St., Ste. 695 San Rafael CA 94901 (415) 459-5122
250 Bel Marin Keys Blvd., Ste. B6 Novato CA 94949 (415) 883-7585
104 Main St. Tiburon CA 94920 (415) 435-8300
www.swbakerlaw.com
www.cafamilylaw.com
1000 Drakes Landing Rd. Greenbrae CA 94904 (415) 485-1220
Law Offices of Susan Marchant Angel
Levy Levy & Levy
810 E St. San Rafael CA 94901 (415) 453-5000
900 Larkspur Landing Cir., Ste. 275 Larkspur CA 94939 (415) 461-4900
Law Offices of Neil Sorensen
www.angelattorney.com
950 Northgate Dr., Ste. 107 San Rafael CA 94903 (415) 499-8600
Law Offices of Thomas Gundlach
www.marin1031exchange.com
12 Red Cedar Ct. San Rafael CA 94903 (415) 491-1040
700 Larkspur Landing Cir. Larkspur CA 94939 (415) 925-9488
www.kellyfirm.com Law Offices of Renee M. Marcelle
Law Offices of Victor Harris
930 Irwin St., Ste. 218 San Rafael CA 94901 (415) 456-4444
1050 Northgate Dr. San Rafael CA 94903 (415) 479-8000
851 Irwin St., Ste. 302 San Rafael CA 94901 (415) 777-8888
Mary L. Symons Law Offices
1000 Fourth St. San Rafael CA 94901 (415) 256-5408
999 Fifth Ave., Ste. 430 San Rafael CA 94901 (415) 925-9212
Mary V. Halbert, Atty. at Law
Louis Napoli, Atty. at Law
www.maryhalbertlaw.com
1000 Fourth St., Ste. 875 San Rafael CA 94901 (415) 559-2629
Matthew B. Pavone, Atty. at Law
633 Fifth Ave. San Rafael CA 94901 (415) 454-8980
www.marinlawoffices.com
750 Grant Ave., Ste. 250 Novato CA 94945 (415) 209-9610
Law Offices of W. Dennis Brewer
Love & Associates
www.pavonelaw.com
1606 Juanita Ln., Ste. C Belvedere Tiburon CA 94920 (415) 435-0175
1010 B St. San Rafael CA 94901 (415) 482-0900
McGill Law Office
Law Offices of Wanden P. Treanor
Mains & Bloom, PC
1744 Lincoln Ave. San Rafael CA 94901 (415) 258-0686
267 Locust Ave., Ste. A San Rafael CA 94901 (415) 459-1847
Law Offices of William F. Michaud
Marc Stolman, Atty. at Law
400 Tamal Plz., Ste. 404 Corte Madera CA 94925 (415) 924-0140
1100 Larkspur Landing Cir., Ste. 200 Larkspur CA 94939 (415) 464-9888
www.familylawmarin.com
591 Redwood Hwy. Mill Valley CA 94941 (415) 381-7520 Law Offices of Richard C. Stromberg
790 Mission Ave. San Rafael CA 94901 (415) 453-5400 Law Offices of Richard Ellis
75 Magee Ave. Mill Valley CA 94941 (415) 389-6771
990 A St., Ste. 403 San Rafael CA 94901 (415) 458-5050 www.edmondmcgill.com Mercedes Gavin & Associates
www.stolman.com Law Offices of William Hogan
Law Offices of Rick Addicks
185 Caribe Isle Novato CA 94949 (415) 883-0365
1000 Fourth St., Ste. 875 San Rafael CA 94901 (415) 459-2000
www.rickaddicks.com
Law Offices of William R. Pascoe
Law Offices of Robert H. Powsner
1050 Northgate Dr., Ste. 356 San Rafael CA 94903 (415) 492-1003
11315 Shoreline Hwy., Ste. C Point Reyes Station CA 94956 (415) 663-1035
1505 Bridgeway, Ste. 206 Sausalito CA 94965 (415) 331-7712
Linda J. Brown, Atty. at Law Law Offices of Tommie W. Whitener
7100 Redwood Blvd., Ste. 200 Novato CA 94945 (415) 892-1601
Law Offices of Reuben J. Becker
Mary L. Hudson Law Offices
Lewis and Lewis
Law Offices of Patrick Kelly
1703 Fifth Ave., Ste. 204 San Rafael CA 94901 (415) 456-3606
12783 Sir Francis Drake Blvd. Inverness CA 94937 (415) 669-1685 Martin A. Schainbaum, A Professional Corp.
Law Offices of Nancy McCarthy
www.sorensenlaw.com
Martha Howard, Atty. at Law
www.williamrpascoelaw.com
Maribeth Halloran, Atty. at Law
49 N. Knoll Rd. Mill Valley CA 94941 (415) 380-8197
Meredith, Weinstein & Numbers
115 Ward St. Larkspur CA 94939 (415) 927-6920 www.mwncov.com Michael F. Silberstein, Atty. at Law
Marilyn Roseberg Law Offices
21 Ward St. Larkspur CA 94939 (415) 945-0266
145 Town Ctr., Ste. 593 Corte Madera CA 94925 (415) 497-1493
851 Irwin St., Ste. 200 San Rafael CA 94901 (415) 454-8188
www.powsnerlaw.com 64 NorthBaybiz
North Bay Business Resource Guide 2009
LEGAL SERVICES Nardell Chitsaz & Alden, LLP
Peter Lacques, Atty. at Law
790 Mission Ave. San Rafael CA 94901 (415) 485-2200
1913 Bridgeway Sausalito CA 94965 (415) 331-1310
North Bay Law Group
Peterson Law Office
901 Irwin St. San Rafael CA 94901 (415) 460-5300
55 Professional Center Pkwy., Ste. H San Rafael CA 94903 (415) 499-4646
110 Loch Lomond, Ste. 9-B San Rafael CA 94901 (415) 258-1651
Preston Group
Sheehan Phinney Bass & Green
Robert F. Knox Attorney at Law 319 Miller Avenue, Ste. 1 Mill Valley, CA 94941
Sandra A. Groven, Atty. at Law
2330 Marinship Way Sausalito CA 94965 (415) 332-2001
www.robertfknox.com 415.388.9090
Sharon L. Lapin, Atty. at Law
www.northbaylawgroup.com Pacific West Law Group
655 Redwood Hwy., Ste. 250 Mill Valley CA 94941 (415) 381-0805
75 Rowland Way, Ste. 350 Novato CA 94945 (415) 878-2955 R. Genyne Long, Atty. at Law
Patent Law Office of David G. Beck
P.O. Box 1146 Mill Valley CA 94942 (415) 889-5700
45 Mitchell Blvd., Ste. 15 San Rafael CA 94903 (415) 925-3500 R. Michael Ash, Atty. at Law
Patent Law Office of Thomas M. Freiburger
55 Main St., 2nd Fl. Tiburon CA 94920 (415) 435-0240 Patrick M.K. Richardson, Atty. at Law
843 Del Ganado Rd. San Rafael CA 94903 (415) 492-0535 Paul Baskin, Atty. at Law
336 Bon Air Shopping Ctr. Greenbrae CA 94904 (415) 461-3788 Paul F. Goldsmith, Atty. at Law
12 Pimlott Ln. Mill Valley CA 94941 (415) 888-2039 Paul G. Sloan Law Offices
10 G St. San Rafael CA 94901 (415) 256-1590
P.O. Box 1567 Novato CA 94948 (415) 892-0911 Renee R. Chernus, Atty. at Law
4300 Redwood Hwy. San Rafael CA 94903 (415) 507-9717 Richard Brouillet, Atty. at Law
4040 Civic Center Dr. San Rafael CA 94903 (415) 492-2866 Richard C. Gould Law/Mediation
524 San Anselmo Ave., Ste. 143 San Anselmo CA 94960 (415) 485-2900 Richard Helzberg Family Lawyer
790 Mission Ave. San Rafael CA 94901 (415) 485-2200 www.helzberglaw.com Richard Spotswood, Atty. at Law
Paula M. Weaver, Atty. at Law
3030 Bridgeway, Ste. 130 Sausalito CA 94965 (415) 332-3561
200 Magee Ave. Mill Valley CA 94941 (415) 389-1590 Robb & Ross
People's Trust Services
1380 Lincoln Ave. San Rafael CA 94901 (415) 453-5952
591 Redwood Hwy., Ste. 2250 Mill Valley CA 94941 (415) 332-3831 www.robandross.com
Peter B. Sandmann Law Offices
Robert Derham, Atty. at Law
163 Miller Ave., Ste. 4 Mill Valley CA 94941 (415) 383-5600
1010 B St., Ste. 217 San Rafael CA 94901 (415) 485-2945
Peter J. Bassing, Atty. at Law
Robert E. Gordon, Atty. at Law
4300 Redwood Hwy., Ste. 100 San Rafael CA 94903 (415) 258-9987
1 Harbor Dr., Ste. 106 Sausalito CA 94965 (415) 331-0611
North Bay Business Resource Guide 2009
Robert L. Hersh, Atty. at Law
1000 Fourth St. San Rafael CA 94901 (415) 459-7666 Robert Menchini, Atty. at Law
104 Marion Ave. Sausalito CA 94965 (415) 332-8181 Robert W. Kenney, Atty. at Law
1445 Donna St. Novato CA 94947 (415) 491-4570 Robert W. Stewart, Atty. at Law
24 Professional Center Pkwy., Ste. 100 San Rafael CA 94903 (415) 479-3600 www.robertwstewart.com Rodney N. Johnson, Atty. at Law
633 Fifth Ave. San Rafael CA 94901 (415) 457-9870 Ronald Doyle Blair, Atty. at Law
1330 Lincoln Ave., Ste 308C San Rafael CA 94901 (415) 485-4324 Ronald E. Champoux, Esq.
1000 Fourth St., Ste. 600 San Rafael CA 94901 (415) 454-2344 Ronald P. Albert, Atty. at Law
66 George Ln. Sausalito CA 94965 (415) 332-5600 Rowland & Chambers
1120 Nye St., Ste. 300 San Rafael CA 94901 (415) 459-3100 Ryan A. Kent, Atty. at Law
30 Mitchell Blvd. San Rafael CA 94903 (415) 479-4356 Samuels & Shawn
770 Tamalpais Dr., Ste. 306 Corte Madera CA 94976 (415) 927-5320
911 Alturas Way Mill Valley CA 94941 (415) 888-2155 Sparler Law Office
1104 Lincoln Ave., Ste. 1 San Rafael CA 94901 (415) 456-8500 Tara A. Higgins, Atty. at Law
4340 Redwood Hwy. San Rafael CA 94903 (415) 479-6731 Terry Carlson Law
1703 Fifth Ave., Ste. 104 San Rafael CA 94901 (415) 459-1850 www.terrycarlsonlaw.com Terry J. Traktman, Atty. at Law
1682 Novato Blvd., Ste. 250 Novato CA 94947 (415) 893-0570 www.traklawoffice.com Tess Lopez Sentencing Consulting
530 Alamedo Del Prado, Ste. 170 Novato CA 94949 (415) 408-8799 The Law Offices of Kelly Copenhaver
265 Miller Ave. Mill Valley CA 94941 (925) 325-8004 The Law Offices of Melissa Harms
700 Larkspur Landing Cir., Ste. 199 Larkspur CA 94939 (415) 945-9600 www.harms-law.com The Legal Solutions Group, LLP
1629 Fifth Ave. San Rafael CA 94901 (415) 460-0100 Thomas Cook Law Offices
3030 Bridgeway, Ste. 425 Sausalito CA 94965 (415) 339-8550 Thomas P. McNally, Atty. at Law
659 Adrienne St., Ste. 204 Novato CA 94945 (415) 897-3442 www.tommcnallylaw.com NorthBaybiz
65
LEGAL SERVICES Vasquez Estrada & Dumont
1000 Fourth St., Ste. 700 San Rafael CA 94901 (415) 453-0555 www.vandelaw.com
Bradley, Curley, Asiano, Barrabee & Gale
Hedani, Choy, Spalding & Salvagione, LLP
1100 Larkspur Landing Cir., Ste. 200 Larkspur CA 94939 (415) 464-8888
1682 Novato Blvd., Ste. 250 Novato CA 94947 (415) 892-4848
54 Liberty Dock Sausalito CA 94965 (415) 331-4441
222 Rush Landing Rd. Novato CA 94945 (415) 898-1555
Warren Law Group, PC
4040 Civic Center Dr., Ste. 200 San Rafael CA 94903 (415) 479-4200 www.warrenlawgroup.com
4302 Redwood Hwy., Ste. 100 San Rafael CA 94903 (415) 492-9800
Huber Law Firm Brayton Purcell, LLP
Burroughs & Froneberger
24 Professional Center Pkwy. San Rafael CA 94903 (415) 491-5000
1104 Lincoln Ave., Ste. 2 San Rafael CA 94901 (415) 456-4411 Ingram Law Offices
Lippenberger, Thompson, Welch, Soroko & Gilbert, LLP
25 Saddle Wood Dr. Novato CA 94945 (415) 499-0800
201 Tamal Vista Blvd. Corte Madera CA 94925 (415) 927-5200
www.ingramlawoffices.com Lucas Valley Law
www.bf-law.net William Hopkins, Atty. at Law
775 E. Blithedale, Ste. 374 Mill Valley CA 94941 (415) 435-5507
Johnson & Miskel, Attys. at Law Campopiano Law Offices
802 B St., Ste. 3 San Rafael CA 94901 (415) 388-1552
William Kuhns, Atty. at Law
1550 Tiburon Blvd. Tiburon CA 94920 (415) 435-2111
2330 Marinship Way, Ste. 230 Sausalito CA 94965 (415) 332-0222
42 Miller Ave. Mill Valley CA 94941 (415) 381-5599
1000 Fourth St., Ste. 795 San Rafael CA 94901 (415) 454-2361
999 Fifth Ave., Ste. 320 San Rafael CA 94901 (415) 482-2810
www.marinfamilylawyers.com
www.kalishgordon.com
William P. Lynch, Jr., Atty. at Law
950 Northgate Dr., Ste 107 San Rafael CA 94903 (415) 491-9500
Marin Law Center Cleek & Elin
7665 Redwood Blvd., Ste. 200 Novato CA 94945 (415) 897-4450
Wilson Campilongo, LLP
7 Mount Lassen Dr., Ste. C250 San Rafael CA 94903 (415) 289-7100 www.wilsoncampilongo.com
â– LAW FIRMS Ackeret Sheron, LLP
890 Lamont Ave. Novato CA 94945 (415) 898-3200 Allegiance Litigation 769 Center Blvd., Ste. 148 Fairfax CA 94930 (415) 860-8134 www.allegiancelit.com Arlas & Smithton
907 Sir Francis Drake Blvd. Kentfield CA 94904 (415) 455-0170 Bancroft & McAlister, LLP
300 Drakes Landing Rd., Ste. 200 Greenbrae CA 94904 (415) 464-8855 Bien & Summers, LLP
23 Palomino Rd. Novato CA 94947 (415) 898-2900
66 NorthBaybiz
2110 Elderberry St. San Rafael CA 94903 (415) 472-3892 Marin Family Lawyers
Kalish & Gordon, LLP Chavez & Gertler, LLP
4302 Redwood Hwy., Ste. 100 Santa Rosa CA 94903 (415) 492-9800 Law Offices of Samuel F. Barnum
www.professionals-law.com Vernon L. Bradley Law Offices
Law Offices of Benjamin W. Gale
Keegin Harrison Schoppert Smith & Karner, LLP
1000 Fourth St., Ste. 600 San Rafael CA 94901 (415) 456-4000
101 Lucas Valley Rd., Ste. 380 San Rafael CA 94903 (415) 472-4400 www.marinlawcenter.com
DeMartini & Walker, LLP
www.marinlaw.com
Marin Law Partners, LLP
175 N. Redwood Dr., Ste. 250 San Rafael CA 94903 (415) 472-7880
Kelley & Farren
21 Tamal Vista Blvd., Ste. 204 Corte Madera CA 94925 (415) 927-2333
Edgemon Law Firm
770 Tamalpais Dr., Ste. 306 Corte Madera CA 94925 (415) 924-8870 Fish and Snell, PC
250 Bel Marin Keys Blvd., Ste. F200 Novato CA 94949 (415) 382-0100 www.fishandsnell.com
Freitas McCarthy MacMahon & Keating, LLP 1108 Fifth Ave., 3rd Fl. San Rafael CA 94901 (415) 456-7500 www.freitaslaw.com
1101 Fifth Ave., Ste. 160 San Rafael CA 94901 (415) 925-5200
www.marinlawpartners.us McNeil, Silveira, Rice & Wiley Law Firm
Kohler Law Group
655 Redwood Hwy., Ste. 133 San Rafael CA 94903 (415) 383-7800
www.goldmanlawfirm.net Hanson Bridgett, LLP
80 E. Sir Francis Drake Blvd., Ste. 3E Larkspur CA 94939 (415) 925-8400
www.msrwlaw.com
Kramer Law Group
Miller & Beck
1000 Fourth St., Ste. 875 San Rafael CA 94901 (415) 482-3800
417 Sausalito St. Corte Madera CA 94925 (415) 924-9154
www.kramerlawgroup.com Kuvara Law Firm
Mitchell, Hedin, Breiner, Ehlenbach & Burglin
550 Las Gallinas Ave. San Rafael CA 94903 (415) 479-7070
1000 Fourth St., Ste. 570 San Rafael CA 94901 (415) 453-0534
www.18004injury.com
Goldman Law Firm
55 Main St. Tiburon CA 94920 (415) 435-5500
55 Professional Center Pkwy., Ste. A San Rafael CA 94903 (415) 472-3434
Law Office of Claudia Brisson and Associates
91 Mariner Green Dr. Corte Madera CA 94925 (415) 924-1911
Myron S. Greenberg, A Professional Corp.
700 Larkspur Landing Cir., Ste. 205 Larkspur CA 94939 (415) 461-5844
www.brissonlaw.com
Nielsen, Merksamer, Parrinello, Mueller & Naylor, LLP
Law Office of Thea Beatie Eliot
2350 Kerner Blvd., Ste. 250 San Rafael CA 94901 (415) 389-6800
700 Larkspur Landing Cir., Ste. 199 Larkspur CA 94939 (415) 451-0123
North Bay Business Resource Guide 2009
LEGAL SERVICES Northern Cal Mediation Center
Wright Law Firm
Resolution Remedies
Gravett & Frater, LLP
175 N. Redwood Dr. San Rafael CA 94903 (415) 461-6392
4340 Redwood Hwy., Ste. 229 San Rafael CA 94903 (415) 472-5900
1101 Fifth Ave., Ste. 230 San Rafael CA 94901 (415) 456-7257
1125 Jefferson St. Napa CA 94559 (707) 258-1030
www.resolutionremedies.com
www.gravettlaw.com
Strickland Mediation
James Jones, Atty. at Law
54 Red Hill Cir. Tiburon CA 94920 (415) 435-8460
1564 First St. Napa CA 94559 (707) 252-8644
www.ncmc-mediate.org Wynne Law Firm Palmer and Jones
7665 Redwood Blvd., Ste. 200 Novato CA 94945 (415) 892-1616 www.palmerjones.com Phillips, Downs & Simontacchi, LLP
55 Shaver St., Ste. 330 San Rafael CA 94901 (415) 453-9999 www.marinrelaw.com Plastiras & Terrizzi
24 Professional Center Pkwy., Ste. 150 San Rafael CA 94903 (415) 472-8100 www.ptlegal.com Ragghianti Freitas, LLP
874 Fourth St., Ste. D San Rafael CA 94901 (415) 453-9433 www.rflawllp.com Reid Axelrod McCormack & Griffis
1018 E St. San Rafael CA 94901 (415) 451-3300 www.rarmlaw.com The Berry Wilkinson Law Group
4040 Civic Center Dr., Ste. 200 San Rafael CA 94903 (415) 259-6638 www.berrywilkinson.com The Law Offices of Jaret & Jaret
1016 Lincoln Ave. San Rafael CA 94901 (415) 455-1010 www.jaretlaw.com The Lesser + Finkel Law Group
1010 B St., Ste. 350 San Rafael CA 94901 (415) 453-7600 www.lesserfinkellaw.com The Marne Law Group
30 N. San Pedro Rd., Ste. 195 San Rafael CA 94903 (415) 499-8100 The Rothken Law Firm
1050 Northgate Dr., Ste. 520 San Rafael CA 94903 (415) 924-4250 Weinberg Hoffman, LLP
900 Larkspur Landing Cir., Ste. 155 Larkspur CA 94939 (415) 461-9666
100 Drakes Landing Rd., Ste. 275 Greenbrae CA 94904 (415) 461-6400 www.wynnelawfirm.com
■ MEDIATION Center for Mediation in Law
34 Forrest St. Mill Valley CA 94941 (415) 383-1300 Dana Curtis Mediation
4000 Bridgeway, Ste. 401 Sausalito CA 94965 (415) 331-5158 www.danacurtismediation.com David Sutton Mediation and Arbitration
1629 Fifth Ave. San Rafael CA 94901 (415) 455-8940 www.suttonmediation.com Law and Mediation Offices of Suzan Barrie Aiken
1000 Bridgeway, Ste. D Sausalito CA 94965 (415) 380-7900 www.suzanbarrieaiken.com Law Offices of Hadden Roth
343 Fair Hills Dr. San Rafael CA 94901 (415) 479-5623 www.haddenroth.com Maier Mediations
81 Throckmorton Ave., Ste. 203 Mill Valley CA 94941 (415) 383-8870 Marin County Mediation
30 N. San Pedro Rd., Ste. 170 San Rafael CA 94903 (415) 499-7454 Mediation Offices of Steve Rosenberg
775 E. Blithedale Ave., Ste. 363 Mill Valley CA 94941 (415) 383-5544 Mellinkoff Mediation
1001 Bridgeway, Ste. 203 Sausalito CA 94965 (415) 289-0300 Professional Mediation Associates
700 Larkspur Landing Cir., Ste. 199 Larkspur CA 94939 (415) 454-4478
www.jvjonesnapalaw.com Venner ADR Mediation Services
119 Hazel Ave. Mill Valley CA 94941 (415) 388-0905
■ SUPPORT SERVICES Juristic Pilot Lawyer Recruiting
3001 Bridgeway, Ste. K174 Sausalito CA 94965 (415) 209-6708 www.juristicpilot.com Legal Aid of Marin
30 N. San Pedro Rd., Ste. 220 San Rafael CA 94903 (415) 492-0230
NAPA ■ ATTORNEYS Block & DeVincenzi, LLP
1580 First St. Napa CA 94559 (707) 251-9871 www.winelawyers.com Block & DeVincenzi, LLP
1407 Main St., Ste. 202 St. Helena CA 94574 (707) 967-9130 www.winelawyers.com Farella Braun & Martel, LLP
899 Adams St., Ste. G Saint Helena CA 94574 (707) 967-4000 www.fbm.com Gagen McCoy
1030 Main St., Ste. 212 Saint Helena CA 94574 (707) 963-0909 www.gagenmccoy.com Gaw Van Male Smith Meyers Miroglio
1000 Main St., 3rd Fl. Napa CA 94559 (707) 252-9000 www.gawvanmale.com
Johanson Berenson, LLP
1792 Second St. Napa CA 94559 (707) 226-8997 Judith Jones, Atty. at Law
P.O. Box 1275 Calistoga CA 94515 (707) 942-6212 Kelly Wallace, Atty. at Law
800 School St., Ste. C Napa CA 94559 (707) 226-8595 Law Office of Anne K. Cottrell
1407 Main St., Ste. 203 Saint Helena CA 94574 (707) 967-9610 Law Office of Bradley S. Peter
1142 Oak St. Napa CA 94559 (707) 253-8838 Law Office of Brian L. DeWitt
1005 Jefferson St. Napa CA 94559 (707) 255-1885 Law Office of C.L. Gravett
1125 Jefferson St. Napa CA 94559 (707) 258-1030 www.gravettlaw.com Law Office of Carl Schetter
P.O. Box 183 Napa CA 94559 (707) 254-0400 Law Office of James R. Rose
1500 Railroad Ave. Saint Helena CA 94574 (707) 967-9656 Law Office of Kathleen A. Herdell
1030 Main St., Ste. 215 Saint Helena CA 94574 (707) 963-3800 Law Office of Linda McIntyre
816 Brown St. Napa CA 94559 (707) 255-2444
www.MediatorTraining.com
North Bay Business Resource Guide 2009
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LEGAL SERVICES Law Office of Michael D. Imfeld
Martinez Law Offices
Employment Law Advocates
Zeller, Hoff & Zeller, Inc.
2033 Big Ranch Rd. Napa CA 94558 (707) 259-1650
1434 Third St., Ste. 3C Napa CA 94559 (707) 251-9383
975-B First St. Napa CA 94559 (707) 222-6361
929 Randolph St. Napa CA 94559 (707) 252-6633
McGrath & Flax
Hines & Carr
563 Jefferson St. Napa CA 94558 (707) 252-3111
1561 Third St., Ste. B Napa CA 94559 (707) 258-6234
■ SUPPORT SERVICES
Hudson & Luros, LLP
Law Office of R. Gregory Rodeno
Meibeyer Law Group, Charles W. Meibeyer
1420 Third St., Ste. 13 Napa CA 94559 (707) 252-0529
1236 Spring St. St. Helena CA 94574 (707) 963-7703
www.mdi-law.com Law Office of Nick S. Rossi
845 Jefferson St. Napa CA 94558 (707) 299-8474
Napa County Dept. of Child Support Svcs.
929 Parkway Mall, Ste. 247 Napa CA 94559 (866) 901-3212
1436 Second St., Ste. 280 Napa CA 94559 (707) 418-5118 www.hudsonluros.com
SONOMA
www.meibeyerlaw.com Law Office of Shannon Richards
1219 Coombs St., Ste. A Napa CA 94559 (707) 226-5150
Lewis & Blevans, LLP Murphy, Logan, Bardwell & Loomis
2350 First St. Napa CA 94581 (707) 257-8100
Law Offices of Gerald L. Robertson Pollock & James
Law Offices of Jeffrey E. Hammond
www.lawyers.com/pollock-james
Toller & Novak, LLP
1250 Main St., Ste. 280 Napa CA 94559 (707) 226-6987
Sterling House
1407 Main St., Ste. 103 St. Helena CA 94574 (707) 963-5547
5 Financial Plz., Ste. 120 Napa CA 94558 (707) 226-5565 Law Offices of Matthew C. Bishop, Inc.
1030 Seminary St., Ste. C Napa CA 94559 (707) 258-8090 Law Offices of Mervin Lernhart
845 Jefferson St. Napa CA 94559 (707) 255-3208
A. Peter Trombetta, A Professional Corp.
The Saxon Leonard Law Firm
1110 Castle Oaks Dr. Napa CA 94558 (707) 226-2616
Law Offices of Lulu Wong
■ ATTORNEYS
1005 Coombs St. Napa CA 94559 (707) 226-9928
952 Jefferson St. Napa CA 94559 (707) 257-3089
833 Franklin St., Stes. 1 & 4 Napa CA 94559 (707) 255-3535 The Morse Law Office
1001 Second St., Ste. 345 Napa CA 94559 (707) 257-5378
250 D St., Ste. 200 Santa Rosa CA 95404 (707) 528-7272 Adams & Associates
5610 Skylane Blvd., Ste. D Santa Rosa CA 95403 (707) 575-8888 www.californiarealestateatty.com Affordable Legal Services
100 E St. Santa Rosa CA 95404 (707) 569-8295
1120 Franklin St. Napa CA 94559 (707) 257-1933 Women's Law Center
1832 Soscol Ave., Ste. 103 Napa CA 94559 (707) 226-9660
■ LAW FIRMS Barwick Law Firm
Law Offices of Page A. Tyran
1128 Franklin St. Napa CA 94559 (707) 253-2700
1303 Jefferson St., Ste. 200A Napa CA 94559 (707) 258-1799 Coombs & Dunlap, LLP
Law Offices of Paul J. Dohring
1220 Washington St. Calistoga CA 94515 (707) 942-1298 Law Offices of Steven A. Flinn
1001 Second St., Ste. 320 Napa CA 94559 (707) 224-7600 Legal Aid of Napa Valley
1001 Second St., Ste. 335 Napa CA 94559 (707) 259-0579 www.legalaidnapa.org
1211 Division St. Napa CA 94559 (707) 252-9100 www.coombslaw.com
Dickenson, Peatman & Fogarty 809 Coombs St. Napa CA 94559 (707) 252-7122
Partners Left to Right, John R. O'Brien, Michael G. Watters, Deborah G. Corlett, Daniel E. Davis, Joseph A. Piasta II Quality and Experience bring the results you seek, especially in legal transactions. Our attorneys provide expert legal advice, planning and solutions for the success of your business. For over twenty-five years, O'Brien Watters & Davis, LLP has served as trusted advisors, consultants, litigators and partners to thousands of North Bay businesses and individuals. Trust and integrity are the cornerstones of our success. Client service and satisfaction are never compromised.
Call O’Brien Watters & Davis, LLP when you need the best legal advisors for your business and let us help you succeed.
www.dpf-law.com District Attorney Napa County
931 Parkway Mall Napa CA 94559 (707) 253-4211
O’BRIEN WATTERS & DAVIS, LLP FOUNTAINGROVE CORPORATE CENTRE I 3510 UNOCAL PLACE, SUITE 200 PO BOX 3759 SANTA ROSA, CA 95402-3759 TEL: 707.545.7010 | FAX: 707.544.2861 | www.obrienlaw.com
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LEGAL SERVICES Gravett & Frater, LLP
Law Office of Michael D. Imfeld
Martinez Law Offices
Employment Law Advocates
1125 Jefferson St. Napa CA 94559 (707) 258-1030
2033 Big Ranch Rd. Napa CA 94558 (707) 259-1650
1434 Third St., Ste. 3C Napa CA 94559 (707) 251-9383
975-B First St. Napa CA 94559 (707) 222-6361
www.gravettlaw.com
www.mdi-law.com McGrath & Flax
Hines & Carr
James Jones, Atty. at Law
Law Office of Nick S. Rossi
1564 First St. Napa CA 94559 (707) 252-8644
845 Jefferson St. Napa CA 94558 (707) 299-8474
563 Jefferson St. Napa CA 94558 (707) 252-3111
1561 Third St., Ste. B Napa CA 94559 (707) 258-6234
Meibeyer Law Group, Charles W. Meibeyer
Hudson & Luros, LLP
Law Office of R. Gregory Rodeno
1420 Third St., Ste. 13 Napa CA 94559 (707) 252-0529
1236 Spring St. St. Helena CA 94574 (707) 963-7703
www.jvjonesnapalaw.com Johanson Berenson, LLP
1792 Second St. Napa CA 94559 (707) 226-8997
www.hudsonluros.com
www.meibeyerlaw.com Law Office of Shannon Richards
Judith Jones, Atty. at Law
P.O. Box 1275 Calistoga CA 94515 (707) 942-6212
1219 Coombs St., Ste. A Napa CA 94559 (707) 226-5150
Lewis & Blevans, LLP Murphy, Logan, Bardwell & Loomis
2350 First St. Napa CA 94581 (707) 257-8100
Law Offices of Gerald L. Robertson Kelly Wallace, Atty. at Law
800 School St., Ste. C Napa CA 94559 (707) 226-8595 Law Office of Anne K. Cottrell
1407 Main St., Ste. 203 Saint Helena CA 94574 (707) 967-9610 1142 Oak St. Napa CA 94559 (707) 253-8838 1005 Jefferson St. Napa CA 94559 (707) 255-1885
Law Offices of Jeffrey E. Hammond
www.lawyers.com/pollock-james
Toller & Novak, LLP
1250 Main St., Ste. 280 Napa CA 94559 (707) 226-6987
Sterling House
1407 Main St., Ste. 103 St. Helena CA 94574 (707) 963-5547
5 Financial Plz., Ste. 120 Napa CA 94558 (707) 226-5565 1030 Seminary St., Ste. C Napa CA 94559 (707) 258-8090 Law Offices of Mervin Lernhart
Law Office of C.L. Gravett
1125 Jefferson St. Napa CA 94559 (707) 258-1030
845 Jefferson St. Napa CA 94559 (707) 255-3208 Law Offices of Page A. Tyran
Law Office of Carl Schetter
1128 Franklin St. Napa CA 94559 (707) 253-2700
Law Office of James R. Rose
1500 Railroad Ave. Saint Helena CA 94574 (707) 967-9656 Law Office of Kathleen A. Herdell
1030 Main St., Ste. 215 Saint Helena CA 94574 (707) 963-3800 Law Office of Linda McIntyre
816 Brown St. Napa CA 94559 (707) 255-2444
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1001 Second St., Ste. 345 Napa CA 94559 (707) 257-5378
952 Jefferson St. Napa CA 94559 (707) 257-3089
833 Franklin St., Stes. 1 & 4 Napa CA 94559 (707) 255-3535 1120 Franklin St. Napa CA 94559 (707) 257-1933 Women's Law Center
■ SUPPORT SERVICES
1832 Soscol Ave., Ste. 103 Napa CA 94559 (707) 226-9660
Napa County Dept. of Child Support Svcs.
929 Parkway Mall, Ste. 247 Napa CA 94559 (866) 901-3212
■ LAW FIRMS 1303 Jefferson St., Ste. 200A Napa CA 94559 (707) 258-1799
1220 Washington St. Calistoga CA 94515 (707) 942-1298 Law Offices of Steven A. Flinn
1001 Second St., Ste. 320 Napa CA 94559 (707) 224-7600 Legal Aid of Napa Valley
1001 Second St., Ste. 335 Napa CA 94559 (707) 259-0579 www.legalaidnapa.org
1211 Division St. Napa CA 94559 (707) 252-9100
■ ATTORNEYS
250 D St., Ste. 200 Santa Rosa CA 95404 (707) 528-7272
www.coombslaw.com
Dickenson, Peatman & Fogarty 809 Coombs St. Napa CA 94559 (707) 252-7122 www.dpf-law.com District Attorney Napa County
931 Parkway Mall Napa CA 94559 (707) 253-4211
SONOMA A. Peter Trombetta, A Professional Corp.
Coombs & Dunlap, LLP Law Offices of Paul J. Dohring
Zeller, Hoff & Zeller, Inc.
929 Randolph St. Napa CA 94559 (707) 252-6633
The Morse Law Office
Barwick Law Firm
www.gravettlaw.com
P.O. Box 183 Napa CA 94559 (707) 254-0400
The Saxon Leonard Law Firm Pollock & James
Law Offices of Matthew C. Bishop, Inc. Law Office of Brian L. DeWitt
1005 Coombs St. Napa CA 94559 (707) 226-9928
1110 Castle Oaks Dr. Napa CA 94558 (707) 226-2616
Law Offices of Lulu Wong Law Office of Bradley S. Peter
1436 Second St., Ste. 280 Napa CA 94559 (707) 418-5118
Adams & Associates
5610 Skylane Blvd., Ste. D Santa Rosa CA 95403 (707) 575-8888 www.californiarealestateatty.com Affordable Legal Services
100 E St. Santa Rosa CA 95404 (707) 569-8295
North Bay Business Resource Guide 2009
Understanding Legal Fees
A
ttorney fees can cost a pretty penny. They depend on what type of case you have and how much time an attorney will spend. There are several different types of fee arrangements. Attorney fees are usually calculated without including court costs and filing fees that are usually paid upfront by the client. Always ask potential attorneys to explain their fees and billing practices prior to engaging their services. What’s the basis for a legal fee? Attorney fees are generally a matter of agreement between the client and the attorney. There are no recommended fee schedules. While fees vary, the basic ingredient is the amount of time spent on a particular case. Clients are often unaware that the advice given to them in a few minutes or a few pages of a document prepared for them are products of much time and effort by the attorney and often by others in his or her office. How do lawyers compute their fees? There are four usual methods of calculating legal fees: Hourly fee arrangements; contingency fee arrangements; flat fee arrangements; and percentage fee arrangements. Hourly fee arrangements and charges depend on case circumstances and lawyer experience. Under this arrangement, the client is generally responsible for the out-of-pocket expenses (filing fees, transcripts, sheriff's fees) as well as for the time spent performing the legal work (meetings, research, drafting documents, phone calls). Contingency fee arrangements are used primarily in personal injury and collection cases. They’re not allowed in criminal or divorce matters. The lawyer receives no fee unless money is recovered for the client. If money is recovered, the lawyer receives an agreed-upon percentage of the recovery, generally ranging from 25 to 45 percent. The percentage often depends upon the amount of work anticipated, the probability of recovery of witness fees, and the complexity of the issues involved. If there’s an appeal, the percentage can be higher. Contingency fees can be compiled prior to the conclusion of the matter, and the client may be responsible for all out-of-pocket expenses such as filing fees and depositions. If an attorney is dismissed by the client prior to the conclusion of the matter, the client may be responsible for payment of a reasonable fee for services rendered by the attorney. All contingency fee agreements must be in writing and signed by both the attorney and the client. In flat fee arrangements, the attorney will render a specific legal service to the client for a fixed sum of money. Criminal defense matters or the preparation of a simple will are often the subject of a flat fee arrangement. If there are unexpected complications, it’s sometimes necessary to modify such an arrangement. Percentage fee arrangements are sometimes used in the North Bay Business Resource Guide 2009
administration of an estate or in the selling or purchasing of a home. The fee would then be a fixed percentage of the estate or the value of the property being transferred. When should you discuss fees? The lawyer and the client should discuss the cost of the legal services at the initial meeting. The lawyer may not be able to forecast the exact amount of the time and effort required, but should be able to give the client an estimate based upon the information provided and the lawyer's past experience. The client should not hesitate to raise the issue of legal fees at any time with his or her attorney. The client has a right to a detailed billing showing the lawyer's time and efforts in those instances where the fee is based upon an hourly rate. Who’s responsible for the fees? The client must pay the fees and expenses. In some cases that go to court, the judge may award a partial or full fee to be paid by the opposing side. This does not release the client from the obligation to pay the attorney. When is the fee paid? Most cases require a retainer fee or deposit to apply to the lawyer's expenses or future charges. Clients should expect to pay when they retain an attorney. The attorney will generally bill on a monthly basis and the client is expected to remain current. A contingency fee case is billed upon completion of the case, except for expenses incurred. Can legal fees be limited? Consider a written fee agreement during the initial meeting. The client should ensure that he or she is totally familiar with the basis on which the fees will be calculated. If the lawyer's work is concluded and the fees required are less than the amount of the retainer, the balance will be refunded. Being fully prepared with documents and information at the initial meeting can often reduce the time an attorney must spend seeking that information. The client should be as brief as possible in all communications and refrain from frequent phone calls for which he or she will be billed. The client should always communicate openly and honestly with the attorney. Failure to do so can often result in added expenses. Can I fire my attorney? Remember that you’re the boss when it comes to your attorney. If you’re not satisfied with the work, you’re entitled to terminate his or her services; however, you must pay for services rendered up to the date of termination. Source: U.S. Small Business Administration
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LEGAL SERVICES Alvarez-Glasman & Colvin
Carl T. Voss Law Office
740 Fourth St., Ste. 105 Santa Rosa CA 95404 (707) 542-4833
100 E St., Ste. 210 Santa Rosa CA 95401 (707) 569-8295
Babin & Seeger, LLP
Carolyn McBeath
www.gurneyattorney.com
Heckscher Lawyers
3550 Round Barn Blvd., Ste. 201 Santa Rosa CA 95403 (707) 526-7370
2901 Cleveland Ave., Ste. 204 Santa Rosa CA 95403 (707) 569-0912
Family Law Offices of Carol A. Gorenberg
10940 Peaks Pike Rd. Sebastopol CA 95472 (707) 829-1034
Barbara L. Stagg, Atty. at Law
Charles J. Tarr, Atty. at Law
525 E. Cotati Ave., Ste. 130 Cotati CA 94931 (707) 792-2957
411 Russell Ave. Santa Rosa CA 95403 (707) 546-5858
Becky Rasmason Family Law Center
Charles R. Johnson, Atty. at Law
103 Johnson St. Windsor CA 95492 (707) 836-7670
P.O. Box 751138 Petaluma CA 94975 (707) 763-7783
www.familylawcenter.info Council on Aging, Senior Legal Services Beeson Terhorst, LLP
1083 Vine St., Ste. 277 Healdsburg CA 95448 (707) 337-3248
30 Kawana Springs Rd. Santa Rosa CA 95404 (707) 525-0143 www.councilonaging.com
www.beesonterhorst.com Craig A. Burnett Law Offices Bennett Valley Law
2896 Bardy Rd. Santa Rosa CA 95404 (707) 546-4628
537 Fourth St., Ste. A Santa Rosa CA 95401 (707) 523-3328 www.nomoredebt.com
www.bennettvalleylaw.com Danelle Jacobs Betty Ann Spencer Collaborative Practice Center
829 Sonoma Ave., Ste. 8 Santa Rosa CA 95404 (707) 570-2424 www.divorcewithintegrity.com Boxer & Gerson
979 Golf Course Dr., Ste. 256 Rohnert Park CA 94928 (415) 499-0568 Bradford & Barthel, LLP
50 Santa Rosa Ave., Ste. 302 Santa Rosa CA 95404 (707) 571-7415 www.bradfordbarthel.com Brandt-Hawley Law Group
13760 Arnold Dr. Glen Ellen CA 95442 (707) 938-3908 Brian Lanz
350 E St., Ste. 220 Santa Rosa CA 95404 (707) 523-4400 Bryan J. Varner
815 Fifth St., Ste. 200 Santa Rosa CA 95404 (707) 578-3303
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868 N. Gravenstein Hwy. Sebastopol CA 95472 (707) 823-3823 Deirdre T. Kruse Law Office
100 Stony Point Rd., Ste. 270 Santa Rosa CA 95401 (707) 546-4970 www.elderadvocate.net Denise Whitmire
441 Myrtlewood Dr. Santa Rosa CA 95407 (707) 544-7617 Disability Services and Legal Center
980 Hopper Ave. Santa Rosa CA 95403 (707) 528-2745 www.disabiltyserviceandlegal.org
Family Law Attorney Mediation and Collaborative Practice
652 Petaluma Ave., Ste. I-1 Sebastopol CA 95472 (707) 823-6500
2544 Cleveland Ave., Ste. 202 Santa Rosa CA 95403 (707) 523-1810 www.cagfamilylaw.com Fanara & Gordon, Attys. at Law
141 Stony Cir., Ste. 145 Santa Rosa CA 95401 (707) 521-4275
James Eimers
3510 Unocal Pl., Ste. 200 Santa Rosa CA 95403 (707) 568-2750 www.eimerslaw.com
444 10th St., 4th Fl. Santa Rosa CA 95401 (707) 578-9254
420 Tesconi Cir., Ste. D Santa Rosa CA 95401 (707) 525-1786
Janice Downey, Atty. at Law
Frank R. Bailey III, Atty. at Law
50 Old Courthouse Sq., Ste. 404 Santa Rosa CA 95404 (707) 525-8850 www.fbaileylaw.com Furth, Fahrner & Mason
10300 Chalk Hill Rd. Healdsburg CA 95448 (707) 657-1801
103 Johnson St. Windsor CA 95492 (707) 836-1398 Jay G. Putnam and Associates
523 B St. Petaluma CA 94952 (707) 778-5000 Jeanne Levin, Atty. at Law
George Arack, Jr. Law Offices
209 Eighth St. Santa Rosa CA 95401 (707) 523-7515
2455 Bennett Valley Rd., Ste. 107-C Santa Rosa CA 95404 (707) 579-5076 John A. Bloom Law Office
2101 Fourth St. Santa Rosa CA 95404 (707) 524-1144
George Claude Boisseau
740 Fourth St., 2nd Fl. Santa Rosa CA 95404 (707) 578-5636
John Harrington MacConaghy
645 W. First St., Ste. D Sonoma CA 95476 (707) 935-3205
Gilbert Dorame Law Office
2777 Cleveland Ave., Ste. 103 Santa Rosa CA 95403 (707) 544-2600
Joseph Baxter Law Offices
645 Fourth St., Ste. 205 Santa Rosa CA 95404 (707) 544-1149
726 College Ave. Santa Rosa CA 95404 (707) 526-9636
Judith K. Stadler, Atty. at Law
Graden Tapley
www.stadleresq.com
Donna J. Nolan, Atty. at Law
P.O. Box 3107 Santa Rosa CA 95402 (707) 526-7676
114 Pierce St. Santa Rosa CA 95404 (707) 542-1921
Jamie Thistlethwaite, Atty. at Law
Ferchland Law Office
Gillmeister & Gorak
Hatcher & Rundel
www.donnajnolan.com
101 Morris St., Ste. 202 Sebastopol CA 95472 (707) 823-3143
Employee Relations Consultants
Greg Anton, Atty. at Law
2111 Brush Creek Rd. Santa Rosa CA 95404 (707) 538-0138
610 Davis St. Santa Rosa CA 95401 (707) 568-6653
England Law
Harrington & Ingram
3510 Unocal Pl., Ste. 108 Santa Rosa CA 95403 (707) 636-0550
438 First St., 4th Fl. Santa Rosa CA 95401 (707) 573-8123
1358 Sylvan Ct. Healdsburg CA 95448 (707) 431-7224 Katherine Page Nowell, Atty. and Mediator
1767 Tessa Way Petaluma CA 94954 (707) 762-4223 www.katherinepagenowell.com Kent Matsuda
4710 Hoen Ave. Santa Rosa CA 95405 (707) 546-2506
North Bay Business Resource Guide 2009
LEGAL SERVICES Lanahan & Reilley, LLP, Attys. at Law
Law Office of Candice Clipner
Law Office of James F. DeMartini
Law Office of Karen Cline
600 Bicentennial Way, Ste. 300 Santa Rosa CA 95403 (707) 524-4200
740 Fourth St., 2nd Fl. Santa Rosa CA 95404 (707) 569-0324
115 W. First St. Cloverdale CA 95425 (707) 894-5000
846 Broadway, Ste. G Sonoma CA 95476 (707) 935-6742
www.lanahan.com
www.cloverdalelaw.com Law Office of Charles J. Leoni
Law and Mediation Office of William F. Bleecker
717 College Ave. Santa Rosa CA 95404 (707) 523-2950
1120 B St. Petaluma CA 94952 (707) 762-8377
Law Office of Lana Karhu Law Office of James M. Barrett
150 E. Cotati Ave. Cotati CA 94931 (707) 795-1510
Law Office of Chip Allen
466 Patten St. Sonoma CA 95476 (707) 996-2870
Law Office of Laura Tracy Hawkins Law Office of Jeffrey Titus
www.chipallenlaw.com
P.O. Box 552 Santa Rosa CA 95402 (707) 569-9183
Law Office of Dennis Byrne
Law Office of John F. Lemmon
726 College Ave. Santa Rosa CA 95404 (707) 571-1220
13750 Arnold Dr. Glen Ellen CA 95442 (707) 996-6401
Law Office of Donald Munger
Law Office of John Flitner
575 W. College Ave., Ste. 103 Santa Rosa CA 95401 (707) 575-0824
2213 Mendocino Ave. Santa Rosa CA 95403 (707) 576-7850
Law Office of Elizabeth Lehrer
Law Office of Joshua Katz
36 Fifth St., Ste. A Petaluma CA 94952 (707) 762-9699
424 Eighth St., Ste. A Santa Rosa CA 95401 (707) 575-0564
700 College Ave. Santa Rosa CA 95404 (707) 546-4510
Law Office of Albert Handelman
Law Office of Ellen Coffman
420 Aviation Blvd., Ste. 203 Santa Rosa CA 95403 (707) 521-2800
874 S. Gravenstein Hwy., Ste. 5 Sebastopol CA 95472 (707) 829-1567
Law Office of Andrew L. Fagan
Law Office of Eric J. Carlson
525 College Ave., Ste. 241 Santa Rosa CA 95402 (707) 575-7210
P.O. Box 3612 Santa Rosa CA 95402 (707) 921-7222
Law and Mediation Offices of Andrea M. Ponticiello
2200 Range Ave., Ste. 209 Santa Rosa CA 95403 (707) 541-3820 www.sonomacountyfamilylaw.com Law & Mediation Offices of Judy McCann
940 Litchfield Ave. Sebastopol CA 95472 (707) 824-1063 Law & Mediation Offices of Ronald J. Cassells
Law Office of Ann Thomas
640 Healdsburg Ave. Healdsburg CA 95448 (707) 473-2800 Law Office of Anne N. Dennis
438 First St., 4th Fl. Santa Rosa CA 95401 (707) 578-9530 Law Office of M. Kenneth Beyries
1929 Jennings Ave. Santa Rosa CA 95401 (707) 575-9179
www.sonomalegal.com
www.ejcarlson.com Law Office of Erik Gunheim
25 Howard Ct. Penngrove CA 94951 (707) 664-1220
Law Office of Anthony L. Cermak
www.erinaalandlaw.com
Law Office of Bruce Ketron & Associates
100 E St., Ste. 215 Santa Rosa CA 95404 (707) 538-3795 Law Office of Linda L. Daube
Law Office of Erin Aaland
www.cermaklaw.com
3510 Unocal Pl., Ste. 209 Santa Rosa CA 95403 (707) 576-7182 Law Office of Linda Green
440 S. E St. Santa Rosa CA 95404 (707) 528-3965 760 W. Napa St. Sonoma CA 95476 (707) 996-6573
3434 Mendocino Ave., Ste. A Santa Rosa CA 95403 (707) 566-7501
101 Golf Course Dr., Ste. 209 Rohnert Park CA 94928 (707) 588-9373 Law Office of Gary Cockriell
P.O. Box 393 Forestville CA 95436 (707) 569-8434 Law Office of Gregory S. Daniels
438 First St., 4th Fl. Santa Rosa CA 95401 (707) 542-1700
P.O. Box 3819 Santa Rosa CA 95402 (707) 523-4097
Law Office of Cameron Cunningham
Law Office of Jackie L. Mortens
719 Orchard St. Santa Rosa CA 95404 (707) 829-9194
440 W. Fifth St., Ste. B Sonoma CA 95476 (707) 933-3003 www.jackiemartens.com
North Bay Business Resource Guide 2009
Collaborative Family Law Conflict doesn’t have to be a battle – it can be an opportunity for restructuring a relationship in a respectful way. Consider problem solving with creativity and learning effective communication skills, as you avoid court
L AW O F F I C E O F
Margaret L. Anderson Certified Family Law Specialist The State Bar of California Board of Legal Specialization
Tel: 707.546.4677 Fax: 707.576.8182 E-mail: mlanders@sonic.net www.margaretlanderson.com
Collaborative Practice Center 829 Sonoma Avenue Santa Rosa, CA 95404
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LEGAL SERVICES Law Office of Mark Clausen
Law Office of Patrick Ciocca
18 E. Fulton Rd. Santa Rosa CA 95403 (415) 221-1817
5850 Commerce Blvd., Ste. C-5 Rohnert Park CA 94928 (415) 265-4200
Law Office of Mark F. Mispagel, Transportation & Aviation Law
Law Office of Paul R. Miller
638 Healdsburg Ave. Healdsburg CA 95448 (707) 433-2308 Law Office of Mark J. Freed
50 Old Courthouse Sq., Ste. 401 Santa Rosa CA 95404 (707) 542-2833
1520 Parker Dr. Santa Rosa CA 95405 (707) 478-1035
6950 Commerce Blvd., Ste. 1 Rohnert Park CA 94928 (707) 795-5485 1151 S. Gravenstein Hwy. Sebastopol CA 95472 (707) 823-0832 575 W. College Ave., Ste. 103 Santa Rosa CA 95401 (707) 573-3901
131-A Stony Cir., Ste. 500 Santa Rosa CA 95401 (707) 578-1226 132 Sunny Hill Dr. Petaluma CA 94952 (707) 762-7100 719 Orchard St. Santa Rosa CA 95404 (707) 523-1740 Law Office of Richard J. Meechan
Law Office of Michael E. Kinney
703 Second St., Ste. 308 Santa Rosa CA 95404 (707) 528-4409
www.kinnlaw.com Law Office of Michael J. Apicella
617 Walnut St. Petaluma CA 94952 (415) 377-1580 ww.apicellalaw.com Law Office of Michael T. Healy
11 Western Ave. Petaluma CA 94952 (707) 762-8768 Law Office of Michelle Crawford
719 Orchard St. Santa Rosa CA 95404 (707) 523-7820 Law Office of Mikel D. Bryan, PC
550 Doyle Park Dr. Santa Rosa CA 95405 (707) 528-1231 www.mdbryanlaw.com Law Office of Nancy J. LoDolce
1400 N. Dutton Ave., Ste. 21 Santa Rosa CA 95401 (707) 544-4600 Law Office of Newman Strawbridge
719 Orchard St. Santa Rosa CA 95404 (707) 523-3377 72 NorthBaybiz
1622 Fourth St. Santa Rosa CA 95404 (707) 527-9911 2 Padre Pkwy., Ste. 300 Rohnert Park CA 94928 (707) 585-0598
www.larsenlaw.net
438 First St., 4th Fl. Santa Rosa CA 95401 (707) 527-4141
Law Offices of Charles T. Jensen
Law Offices of Charlotte M. Creaghan
Law Office of Richard Coshnear Law Office of Michael D. Larsen
2213 Mendocino Ave. Santa Rosa CA 95403 (707) 576-7850
3510 Unocal Pl., Ste. 200 Santa Rosa CA 95403 (707) 545-1998
Law Office of R. James Symons Law Office of Megan Holbrook
Thomas J.Walsh 707.658.4590
Law Offices of Charles P. de la Forest
Law Office of Peter Bumerts
Law Office of Peter Eric Goldbeck Law Office of Maurice Fredericks
Law Office of Thomas J. Walsh 755 Baywood Dr., 2nd Fl. Petaluma, CA 94954 twalsh@walshlegalcounsel.com
Law Office of Robert E. Marmor
3333 Mendocino Ave., Ste. 202 Santa Rosa CA 95403 (707) 578-2100 Law Office of Steven M. Olson
100 E St., Ste. 219 Santa Rosa CA 95404 (707) 575-1800 www.smolsonlaw.com Law Office of Teresa De La O
131 Stony Cir., Ste. A-500 Santa Rosa CA 95401 (707) 577-7410 Law Office of Thomas F. Byrne
3510 Unocal Pl., Ste. 200 Santa Rosa CA 95403 (707) 303-1437 www.thomasbyrnelaw.com Law Office of Thomas P. Kelly, Jr.
50 Old Courthouse Sq., Ste. 609 Santa Rosa CA 95404 (707) 542-3373 Law Office of Wallace Francis
1400 N. Dutton Ave., Ste. 19 Santa Rosa CA 95401 (707) 544-1134 www.wallacefrancis.com
Law Office of William B. Doty
823 Sonoma Ave. Santa Rosa CA 95404 (707) 542-1150
Law Offices of Daniel E. Chavez
Law Office of Xavier A.M. Lavoipierre
809 Broadway, Ste. 5 Sonoma CA 95476 (707) 938-1611
Law Offices of Daniel M. O'Donnell
2213 Mendocino Ave. Santa Rosa CA 95403 (707) 576-7850
Law Offices of Attila Panczel
700 Orchard St. Santa Rosa CA 95401 (707) 228-0681
Law Offices of Debora A. Loughner
Law Offices of Beth Larssen
5213 El Mercado Pkwy., Ste. G Santa Rosa CA 95403 (707) 544-6776 Law Offices of Brian Barta
131-A Stony Cir., Ste. 500 Santa Rosa CA 95401 (707) 542-2844
131-A Stony Cir., Ste. 500 Santa Rosa CA 95401 (707) 577-7420 Law Offices of Deborah Lee
7151 Wilton Ave., Ste. 102 Sebastopol CA 95472 (707) 829-4900 Law Offices of Delphine S. Adams
Law Offices of Bridget Mackay
P.O. Box 5426 Petaluma CA 94955 (707) 769-9975
5610 Skylane Blvd., Ste. D Santa Rosa CA 95403 (707) 575-8888 Law Offices of Donald F. Seth
Law Offices of Bruce W. Somers
2544 Cleveland Ave., Ste. 204 Santa Rosa CA 95403 (707) 544-2300 Law Offices of Carla Boyd Terre, Family Law
600 Bicentennial Way, Ste. 300 Santa Rosa CA 95403 (707) 575-7765 www.familylawsonomacounty.com Law Offices of Charles D. Stark
3510 Unocal Pl., Ste. 200 Santa Rosa CA 95403 (707) 527-9900
290 B St. Santa Rosa CA 95401 (707) 545-6370 Law Offices of Frank Briceno
1120 College Ave. Santa Rosa CA 95401 (707) 542-2834 Law Offices of Frank J. Christy, Jr.
11 Western Ave. Petaluma CA 94952 (707) 773-2714 Law Offices of Gary Hoenig
182 Farmers Ln., Ste. 101 Santa Rosa CA 95405 (707) 545-0900
Law Offices of Charles E. Harris
809 Broadway, Ste. 3 Sonoma CA 95476 (707) 938-3654
Law Offices of Gerald Desmond
2298 Northpoint Pkwy. Santa Rosa CA 95407 (707) 525-0880
Law Offices of Charles O. Prickett
735 Carr Ave. Santa Rosa CA 95404 (707) 578-0332
407 C St. Petaluma CA 94952 (707) 775-4531
Law Offices of Geza Kadar, Jr.
90 S. E St., Ste. 300 Santa Rosa CA 95404 (707) 575-4151 North Bay Business Resource Guide 2009
LEGAL SERVICES Law Offices of Greg Jilka
Law Offices of Joseph L. Costello
Law Offices of Max A. Mickelsen
Law Offices of Reed Harvey
829 Sonoma Ave., Ste. 4 Santa Rosa CA 95403 (707) 546-4677
620 Broadway Sonoma CA 95476 (707) 939-6100
100 Fourth St. Petaluma CA 94952 (707) 762-0224
210 Cherry St. Petaluma CA 94952 (415) 456-0300
Law Offices of Michael A. Okler
Law Offices of Richard P. Sax, Inc.
50 Santa Rosa Ave. Santa Rosa CA 95404 (707) 525-0220
448 Sebastopol Ave. Santa Rosa CA 95401 (707) 525-1824
www.jlcostello.com Law Offices of Gregory S. Futch
131-A Stony Cir., Ste. 520 Santa Rosa CA 95401 (707) 578-2336
Law Offices of Joyce Stewart Milks
2300 Bethards Dr., Ste. F Santa Rosa CA 95405 (707) 526-9587
Law Offices of Hans W. Herb
P.O. Box 970 Santa Rosa CA 95402 (707) 576-0757 www.tankman.com
Law Offices of Julia J. Parranto
819 Sonoma Ave. Santa Rosa CA 95404 (707) 573-8868
Law Offices of Mike H. Welty
Law Offices of Julianne Major
141 North St. Healdsburg CA 95448 (707) 433-4842
50 Old Courthouse Sq., Ste. 402 Santa Rosa CA 95404 (707) 527-8200
Law Offices of Hugh N. Helm III
1400 N. Dutton Ave., Ste. 21 Santa Rosa CA 95401 (707) 573-8700
Law Offices of Kerri Conforti Riberdy
www.hughhelm.com
829 Sonoma Ave. Santa Rosa CA 95404 (707) 541-3820
Law Offices of Irv Piotrkowski
Law Offices of Kim Marois
35 Fifth St. Petaluma CA 94952 (707) 778-1551
1101 College Ave., Ste. 250 Santa Rosa CA 95404 (707) 545-5500
Law Offices of James K. Cobb
Law Offices of L. Stephen Turer
250 D St., Ste. 200 Santa Rosa CA 95404 (707) 571-8112
610 Davis St. Santa Rosa CA 95401 (707) 546-1551 www.turerlaw.com
Law Offices of Jan Eric Bolt
576 B St., Ste. 2-C Santa Rosa CA 95401 (707) 578-7770
Law Offices of Lawrence J. King
6 C St., Ste. A Petaluma CA 94952 (707) 769-9791
Law Offices of Jay Cantor
411 Russell Ave. Santa Rosa CA 95403 (707) 571-5557
Law Offices of Leland H. Dibble
1290 Parsons Dr. Santa Rosa CA 95404 (707) 544-1675
Law Offices of Jeffrey J. Allen
438 First St., 4th Fl. Santa Rosa CA 95401 (707) 545-9600
P.O. Box 2808 Santa Rosa CA 95405 (707) 575-9170
www.parrantolaw.com Law Offices of Herbert L. Terreri
132 Mill St., Ste. 210 Healdsburg CA 95448 (707) 431-1933
www.rsaxlaw.com Law Offices of Michael J. Wall
Law Offices of Marie Galanti
www.allenlawbiz.com
100 Brush Creek Rd., Ste. 103 Santa Rosa CA 95404 (707) 538-6074
Law Offices of Jerry B. Abbott
Law Offices of Mark A. Retana
2129 Fourth St. Santa Rosa CA 95404 (707) 545-5606
444 10th St., Ste. 400 Santa Rosa CA 95401 (707) 542-3402
Law Offices of Joel Richard Rubin
Law Offices of Mark S. Miller
3333 Mendocino Ave., Ste. 202 Santa Rosa CA 95403 (707) 526-4470
737 Healdsburg Ave. Healdsburg CA 95448 (707) 433-5187
Law Offices of John A. Kelly
Law Offices of Maureen A. Faria
922 W. First St. Sonoma CA 95476 (707) 935-6100
930 Mendocino Ave., Ste. 100 Santa Rosa CA 95401 (707) 526-9100
www.law-kelly.com
North Bay Business Resource Guide 2009
Law Offices of Neil M. Herring
503 Sandretto Dr. Sebastopol CA 95472 (707) 823-9418 Law Offices of Newton Dal Poggetto
670 W. Napa St., Ste. B Sonoma CA 95476 (707) 996-3647 Law Offices of Ozro William Childs
1622 Fourth St. Santa Rosa CA 95404 (707) 527-9911 Law Offices of Patrick J. Doherty
320 College Ave. Santa Rosa CA 95401 (707) 546-3535 Law Offices of Paul Peyrat
255 W. Napa St., Ste. S Sonoma CA 95476 (707) 996-0949
Law Offices of Rina Hirai
P.O. Box 6386 Santa Rosa CA 95406 (707) 566-7207 Law Offices of Robert A. Nellessen Robert Nellessen 740 Fourth St. Santa Rosa CA 95404 (707) 578-1200 Law Offices of Robert Goetzinger
124 Howard St. Petaluma CA 94952 (707) 762-3568 Law Offices of Robert Y. Bell
P.O. Box 1963 Santa Rosa CA 95402 (707) 546-4223 Law Offices of Roxanne Davis Jones
P.O. Box 2209 Healdsburg CA 95448 (707) 568-6091 Law Offices of Roy N. Johnston
1400 N. Dutton Ave., Ste. 21 Santa Rosa CA 95401 (707) 545-6542 www.rnjlaw.com Law Offices of Sanford I. Horowitz
Law Offices of Paul S. Silver, APC
815 Fifth St., Ste. 200 Santa Rosa CA 95404 (707) 527-8811
10 Maple St., Ste. 303 Sonoma CA 95476 (707) 996-4580 www.horowitzelderlaw.com
Law Offices of Peter David Rubin
Law Offices of Scott N. Kivel
1260 N. Dutton Ave., Ste. 275 Santa Rosa CA 95401 (707) 528-7277
200 Kentucky St., Ste. C Petaluma CA 94952 (707) 762-5526
Law Offices of Peter Goldstone
Law Offices of Scott O'Brien
703 Second St., Ste. 411 Santa Rosa CA 95404 (707) 237-5991
2453 Burnside Rd. Sebastopol CA 95472 (707) 829-0522
Law Offices of Peter Ottenweller
Law Offices of Shelly J. Averill
3333 Mendocino Ave., Ste. 202 Santa Rosa CA 95403 (707) 523-0534
3510 Unocal Pl., Ste. 209 Santa Rosa CA 95403 (707) 568-2680
Law Offices of Randall J. Bobus
Law Offices of Sondra J. Persons
350 E St., Ste. 220 Santa Rosa CA 95404 (707) 523-4400
250 D St., Ste. 200 Santa Rosa CA 95404 (707) 571-8112 NorthBaybiz
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LAW OFFICES OF BARRY KAHN ■
RESIDENTIAL CONSTRUCTION DISPUTES
■
Practice Limited to Construction and Real Estate Disputes & Transactions
CONSTRUCTION LAW Representing General Contractors and Subcontractors; Architects; Engineers and Design Professionals; Residential Homeowners, Commercial Property Owners, and Developers in all construction law matters and disputes, including: ■
Construction Contract Review & Drafting
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Mechanic’s Liens
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Disputes Concerning Defective Construction & Payment
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Performance & Contract Issues
REAL ESTATE LAW Representing Residential Homeowners and Commercial Property Owners, Real Estate Agents, Brokers, and Mortgage Brokers in all real estate matters, including: ■
Purchase and Sale of Property
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Review and Drafting of Contracts for Buyers, Sellers, Agents & Brokers, including “For Sale By Owner”
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Land Use and Zoning Matters including Representation Before Zoning Boards (DBRp, Planning & City Council) for Owner/Applicants and Neighbors
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Easements, Boundary Line, Fence and Tree Disputes
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Residential and Commercial Leasing and Landlord-Tenant Disputes
No Travel Time Charges For Site Inspections, Client Meetings or Court Appearances. Free Initial Consultation Up To 30 Minutes.
“I Understand Both Sides Of The Dispute!” 30 Years of Experience ALL LITIGATION MATTERS INCLUDING LAWSUITS, MEDIATIONS, AND ARBITRATIONS
415.331.3505
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barry@barry.com
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26 El Portal, Sausalito
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www.BarryKahn.com
Sponsored by Law Offices of Barry Kahn
Avoiding Legal Disputes in Residential Construction By Barry Kahn
I
have been representing residential and commercial property owners, contractors, general and landscape architects, engineers of all types and interior designers since opening my law offices in 1981. I understand both sides of residential construction disputes and transactions, and I take pride in the fact I’ve settled all of my cases involving such disputes without having to go to trial. In today’s economy, going to court to litigate a residential construction dispute is simply too expensive for most people—and for most contractors. When lawsuits are filed, legal and expert fees incurred by both sides can often exceed the amount in dispute. This is why many attorneys encourage clients to try mediation to resolve a dispute. All lawyers who resolve disputes through litigation, arbitration or mediation—especially lawyers who handle construction cases—frequently hear clients complain, “The only winners were the lawyers!” However, there are certain steps that both sides can take and tips they can consider during construction to minimize the risk of a costly legal dispute. What makes residential construction projects unique is that owners are usually very attached to their homes and have spent a lot of time thinking about, planning and saving for the project. All projects should start with a good architect and a good set of plans. But frequently, disputes arise because the plans and specifications weren’t clear or detailed enough, which a contractor can take as license to build the way he or she wants. This problem can be compounded when homeowners neglect to have their architect inspect the project during construction and approve the invoices submitted by the contractor. Architects’ fees can be very expensive, but this isn’t the place to cut corners. Architects are worth their weight in gold when they produce a design that the homeowner understands and approves, get the project approved by the local planning and building department, help the owner select a good general contractor, and supervise the project from start to finish. Most residential construction disputes arise during the work phase, so having an architect supervise the work will go a long way toward avoiding problems. Selecting a reputable and experienced contractor and having your contract reviewed by a lawyer before it’s signed are also important steps to take. Don’t choose a contractor without personally visiting prior projects and talking to former customers. If a contractor is afraid or unwilling to let you see prior jobs and meet their former clients, then he or she may be hiding something. A referral from a friend may be good, but just because the contractor did one job well doesn’t mean there haven’t been problems on other jobs. Taking the time to do your due diligence about the contractor is an ounce of protection that’s worth a pound of cure. After a homeowner is satisfied with the contractor’s experience and prior work, have a lawyer experienced in residential construction law review the contract. A contractor isn’t an attorney, and contracts are complicated and important legal documents that nobody should sign without understanding. An experienced lawyer can explain the contract and make changes and modifications to protect both the homeowner and the contractor. North Bay Business Resource Guide 2009
Defective or incomplete work by the general contractor can often cost a homeowner more to “fix and finish” than what the project was originally supposed to cost. In disputes where the homeowner refuses to make payments—especially the final payment— it can cost the contractor more to collect than the amount actually due. The collective legal fees and expert costs to litigate such disputes can easily approach $100,000 for each party. Here are some tips for anyone involved in a construction project:
Tips for contractors • Don’t start any project without a written contract. • Have your contract drafted by a lawyer who has experience in drafting construction contracts. • Make sure your written contract contains all of the required statements, disclosures and statutory requirements. It needs to be in the correct size font, as required by the Contractors State License Board. • Don’t use a one-page contract that you bought at the stationery store. • Don’t provide any additional labor or materials without a written change order signed by both you and the homeowner. • Avoid homeowners who are only interested in the lowest price but expect materials that cost more.
Tips for homeowners • With each billing statement from the contractor, ask for all back-up documentation including proof of payment to subcontractors. • Don’t pay for anything in advance, except deposits on large or special order items (for example, specialty plumbing fixtures like Jacuzzi tubs.) • Don’t assume the job is progressing smoothly or in accordance with your plans. Have your architect visit the site weekly or as needed to inspect the work. You can also hire an independent project manager to inspect the project for you. • Make sure the contractor is paying his subcontractors by calling them and/or putting both names on your checks. • Don’t ask the contractor to do extra work until you have a written change order prepared by the contractor and signed by you. Most contractors are reputable, and most homeowners end up with completed projects without disputes or problems. But having an architect plan and supervise your project and a lawyer help you with your contract and questions as they arise will go a long way toward avoiding costly legal disputes. ■ Barry A. Kahn, Esq., is principal of Law Offices of Barry A. Kahn, 26 El Portal in Sausalito, CA 94965. Contact him at barry@barrykahn.com or (415) 331-3505.
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LEGAL SERVICES Law Offices of Stephen R. Olsen
Marie Maiolo Muchow Law
Morrill Dunn III
R. Scott Guite, Atty. at Law
2300 Bethards Dr., Ste. A Santa Rosa CA 95405 (707) 578-6033
348 College Ave. Santa Rosa CA 95403 (707) 566-9767
281 E. Second St. Sonoma CA 95476 (707) 938-8560
149 Kentucky St. Petaluma CA 94952 (707) 782-9114
www.familylawsantarosa.com
www.maiolomuchowlaw.com Mullen & Filippi, LLP
Richard Levin
Law Offices of Steven W. Forsberg
Mark D. Jordan, Atty. at Law
3510 Unocal Pl., Ste. 200 Santa Rosa CA 95403 (707) 544-5241
1612 Fourth St. Santa Rosa CA 95404 (707) 526-3700
3700 Old Redwood Hwy., Ste. 108 Santa Rosa CA 95403 (707) 542-4600
130 S. Main St., Ste. 202 Sebastopol CA 95473 (707) 824-0440
Law Offices of Thomas D. Wright 200 Fourth St. Santa Rosa CA 95401 (707) 578-3211
Mark Pickering, Atty. at Law
Nancy E. Cooke
30 Fifth St. Petaluma CA 94952 (415) 256-9875
710 W. Napa St., Ste. 3 Sonoma CA 95476 (707) 939-3500
Law Offices of Thomas R. Kenney
Martie H. Leys, Collabrative Atty. and Mediator
New Directions Adolescent Services
Ronald Dinan & Associates
P.O. Box 1819 Rohnert Park CA 94927 (707) 585-3700
411 Russell Ave. Santa Rosa CA 95403 (707) 571-5550
www.mullfil.com Robert Maize Legal Corp.
608 College Ave. Santa Rosa CA 95404 (707) 575-7715
124 Howard St. Petaluma CA 94952 (707) 789-0390 www.divorcewithcare.com
Office of Curtis J. Morris
30 Fifth St., Ste. 100 Petaluma CA 94952 (707) 789-9018
Martie H. Leys, Collabrative Atty. and Mediator
370 W. Napa St. Sonoma CA 95476 (707) 938-0861
576 B St., Ste. 2-A Santa Rosa CA 95401 (707) 578-0903 Law Offices of Walter Rubenstein
720 Mendocino Ave. Santa Rosa CA 95401 (707) 544-5662 Law Offices of William Andrews
420 Aviation Blvd., Ste. 204 Santa Rosa CA 95403 (707) 546-3183 www.andrewslegal.com Law Offices of William C. Tyson
131-A Stony Cir., Ste. 500 Santa Rosa CA 95401 (707) 578-2399 Law Offices of William H. Robbins III
829 Sonoma Ave. Santa Rosa CA 95404 (707) 523-0570 www.divorcewithcare.com Martin Woods
3436-B Mendocino Ave. Santa Rosa CA 95403 (707) 546-9356 McOmber Law
3510 Unocal Pl., Ste. 200 Santa Rosa CA 95402 (707) 523-7752 www.mcomberlaw.com Meibeyer Law Group, Charles W. Meibeyer
141 North St., Ste. B Healdsburg CA 95448 (707) 694-3856
www.maizelaw.com
www.dinanlaw.com
Law Offices of Timothy Egan
Law Offices of Timothy J. Hannan
3755 Brickway Blvd., Ste. 200 Santa Rosa CA 95403 (707) 544-4462
Ronald P. Perotti Law Offices
50 Old Courthouse Sq., Ste. 312 Santa Rosa CA 95404 (707) 526-1100
Passalacqua & Passalacqua
152 Piper St. Healdsburg CA 95448 (707) 433-7255
Ronald Retana
1546 Bruce Ct. Santa Rosa CA 95401 (707) 545-7999
Patricia Lansdowne
2 Padre Pkwy. Dr., Ste. 303 Rohnert Park CA 94928 (707) 584-3044
Rose Zoia
50 Old Courthouse Sq., Ste. 401 Santa Rosa CA 95404 (707) 526-5894
Paul Everett Carreras, Atty. at Law
703 Second St., 4th Fl. Santa Rosa CA 95404 (707) 568-0300
Rudy Bonilla
www.paulcarreraslaw.com
3510 Unocal Pl., Ste. 108 Santa Rosa CA 95403 (707) 575-7369
Paul Zamarian
Russell Townsend, Atty. at Law
725 College Ave. Santa Rosa CA 95404 (707) 566-8040
440 W. Fifth St., Ste. B Sonoma CA 95476 (707) 996-3009
Perlman & Sternfeld, LLP
Sharon Brule
90 S. E St., Ste. 200 Santa Rosa CA 95404 (707) 525-8577
P.O. Box 5002 Santa Rosa CA 95402 (707) 236-2540
www.meibeyerlaw.com
1400 N. Dutton Ave., Ste. 21 Santa Rosa CA 95401 (707) 538-9290
Michael A. Villa Law
Law Offices of William R. Fishman
www.villalaw.net
Peter Mancus Law Offices
Shawn Jackson Law & Mediation Office
Michael C. Fallon, Atty. at Law
876 Gravenstein Ave., Ste. 3 Sebastopol CA 95472 (707) 829-9050
101 Golf Course Dr., Ste. 212 Rohnert Park CA 94928 (707) 584-4529
Peter Renkow
Singler Napell & Dillon, LLP
411 Russell Ave. Santa Rosa CA 95403 (707) 525-9104
127 S. Main St. Sebastopol CA 95472 (707) 823-8719
www.PeterRenkow.com
www.singler-law.com
Peters & Peters
Sonoma County Counsel
645 Fourth St., Ste. 213 Santa Rosa CA 95404 (707) 545-9250
575 Administration Dr., Rm. 105-A Santa Rosa CA 95403 (707) 565-2421
35 Fifth St. Petaluma CA 94952 (707) 778-1551 Law Offices of William Shea
285 E. Second St. Sonoma CA 95476 (707) 996-6746 Lisa Pheatt
3510 Aaron Dr. Santa Rosa CA 95404 (415) 309-2963
250 Healdsburg Ave., Ste. 201 Healdsburg CA 95448 (707) 473-2800
100 E St., Ste. 219 Santa Rosa CA 95404 (707) 546-6770 www.michaelfallonlaw.com Michael Cantarutti, Atty. at Law
1514 Hopper Ave. Santa Rosa CA 95403 (707) 575-0800 www.cantarutti.com Michael T. Lynch, Atty. at Law
1400 N. Dutton Ave., Ste. 21 Santa Rosa CA 95401 (707) 523-2223 76 NorthBaybiz
www.sonoma-county.org
North Bay Business Resource Guide 2009
SAMPLE COMMERCIAL LEASE AGREEMENT This Lease is made this ______ day of __________ (Month), _____ (Year) by and between _________________________________________________ (hereinafter "Landlord") and ________________________________________________ (hereinafter "Tenant"). In consideration for the mutual promises and covenants contained herein, and for other good and valuable consideration, the parties hereby agree as follows: 1. The Landlord leases to the Tenant, and the Tenant rents from the Landlord the following described premises: _________________________________________________________________________________________________ _________________________________________________________________________________________________ 2. The term of the Lease shall be for _______________commencing _________ and ending _________. 3. The Tenant shall pay to Landlord as rent $____________ per year in equal monthly installments of $ _________ payable in advance ___________________ (Time Period). 4. This Lease is subject to all present or future mortgages affecting the premises. 5. Tenant shall use and occupy the premises only as a _________________________ (Tenant Rental Status) subject at all times to the approval of the Landlord. 6. The Tenant shall not make any alterations, additions or improvements to the premises without the prior written consent of the Landlord. 7. The Landlord, at his own expense, shall furnish the following utilities or amenities for the benefit of the Tenant: __________________________________________________________________________________________________. 8. The Tenant, at his own expense, shall furnish the following: __________________________________________________________________________________________________. 9. The Tenant shall purchase at his own expense public liability insurance in the amount of $ _________________ as well as fire and hazard insurance in the amount of $ _____________ for the premises and shall provide satisfactory evidence thereof to the Landlord and shall continue same in force and effect throughout the Lease term hereof. 10. The Tenant shall not permit or commit waste to the premises. 11. The Tenant shall comply with all rules, regulations, ordinances codes and laws of all governmental authorities having jurisdiction over the premises. 12. The Tenant shall not permit or engage in any activity that will effect an increase in the rate of insurance for the Building in which the premises is contained nor shall the Tenant permit or commit any nuisance thereon. 13. The Tenant shall not sublet or assign the premises nor allow any other person or business to use or occupy the premises without the prior written consent of the Landlord, which consent may not be unreasonably withheld. 14. At the end of the term of this Lease, the Tenant shall surrender and deliver up the premises in the same condition (subject to any additions, alterations or improvements, if any) as presently exists, reasonable wear and tear excluded. 15. Upon default in any term or condition of this Lease, the Landlord shall have the right to undertake any or all other remedies permitted by Law. 16. This Lease shall be binding upon, and inure to the benefit of, the parties, their heirs, successors, and assigns. Signed this _______ day of ________________ (Month) ________ (Year). ____________________________ _____________________________ Tenant Landlord
North Bay Business Resource Guide 2009
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LEGAL SERVICES Kneisler, Schondel & Hubbs
McMillan & Shureen, LLP
538 Mendocino Ave. Santa Rosa CA 95401 (707) 542-5132
50 Santa Rosa Ave., Ste. 200 Santa Rosa CA 95404 (707) 525-5400
www.injuredworkerlaw.com
www.mcmillanshureen.com
Law Firm of Constance Burtnett
Merrill, Arnone & Jones, LLP
111 Santa Rosa Ave., Ste. 406 Santa Rosa CA 95404 (707) 495-9936
3554 Round Barn Blvd., Ste. 303 Santa Rosa CA 95403 (707) 528-2882
Collaborative Practice Ctr. 829 Sonoma Avenue Santa Rosa, CA 95404 www.margaretlanderson.com Margaret L.Anderson 707.546.4677
www.majlaw.com Meyers Nave
401 Mendocino Ave., Ste. 100 Santa Rosa CA 95401 (707) 545-8009 www.meyersnave.com
O'Brien, Watters, Davis 3510 Unocal Pl., Ste. 200 Santa Rosa CA 95403 (707) 545-7010
Law Offices of Shawn Jackson
1300 Valley House Dr., 100, Ste. 12 Rohnert Park CA 94928 (707) 584-4529 www.californiabusinessdevelopment.com Law Offices of Teal Montgomery & Henderson
815 Fifth St., Ste. 200 Santa Rosa CA 95404 (707) 525-1212
404 Mendocino Ave., 2nd Fl. Santa Rosa CA 95401 (707) 522-1100 www.smithdollar.com
Spaulding McCullough & Tansil, LLP 90 S. E St., Ste. 200 Santa Rosa CA 95404 (707) 524-1900 www.smlaw.com
412 Aviation Blvd., Ste. D Santa Rosa CA 95403 (707) 284-5524
1201 Vine St., Ste. 200 Healdsburg CA 95448 (707) 433-3363 Perry, Johnson, Anderson, Miller & Moskowitz, LLP
438 First St., 4th Fl. Santa Rosa CA 95401 (707) 525-8800 www.perrylaw.net Provencher & Flatt, LLP
Law Offices of William D. Cutler
www.provlaw.com
3510 Unocal Pl., Ste. 200 Santa Rosa CA 95403 (707) 542-1982
Senneff, Freeman & Bluestone, LLP
Walter & Prince, LLP
1270 Healdsburg Ave., Ste. 201 Healdsburg CA 95448 (707) 431-7900 www.walterprincelaw.com Welch & Olrich, LLP
809 N. Petaluma Blvd. Petaluma CA 94952 (707) 782-1790 www.welcholrich.com Windell, Ferguson & Lin, Attys. at Law
131-A Stony Cir., Ste. 500 Santa Rosa CA 95401 (707) 577-0805 www.livingtrustadvisors.com Zyromski Konicek, LLP
645 Fourth St., Ste. 200 Santa Rosa CA 95404 (707) 542-1393
Passalacqua, Mazzoni, Gladden, Lopez & Maraviglia
www.teallaw.com
846 Broadway Sonoma CA 95476 (707) 996-4505
Smith Dollar, PC
Sunderland l McCutchan, LLP
823 Sonoma Ave. Santa Rosa CA 95404 (707) 284-2380
Len Tillem & Associates
www.shapirogalvinlaw.com
www.obrienlaw.com Law Offices of Kwasneski & Davis
101 Golf Course Dr., Ste. 214 Rohnert Park CA 94928 (707) 586-4180
Shapiro, Galvin, Shapiro & Moran 640 Third St., 2nd Fl. Santa Rosa CA 95404 (707) 544-5858
The Andrews Law Firm, PC
222 Weller St., Ste. 202 Petaluma CA 94952 (707) 773-1375
■ MEDIATION Arbitration & Mediation Center
111 Santa Rosa Ave., Ste. 202 Santa Rosa CA 95404 (707) 525-9409 www.amcadr.com
www.theandrewslawfirm.net
JAMS
The Law Offices of Michael A. Fiumara
50 Old Courthouse Sq. Santa Rosa CA 95404 (707) 527-5267
182 Farmers Ln., Ste. 100A Santa Rosa CA 95405 (707) 571-8600
www.jamsadr.com Law Offices of Steven H. Katz
The Tavis Firm
4010 Montecito Ave. Santa Rosa CA 95401 (707) 578-9386
596 W. First St. Sonoma CA 95476 (707) 939-8177
50 Old Courthouse Sq., Ste. 401 Santa Rosa CA 95404 (707) 526-4250 www.sennefflaw.com
Thomas D. Wright
www.lentillem.com
In 2007 and again in 2008, Thomas D. Wright was selected as one of Northern California’s Super Lawyers. www.northerncaliforniasuperlawyers.com
Allegiance Litigation BUSINESS LITIGATION In business litigation, the cost of representation can determine success. Whether by direct representation, or management of your litigation, Allegiance Litigation can reduce the cost, and improve the cost-benefit equation. 38 years of business litigation experience as trial attorney, law firm partner and corporate general counsel.
www.allegiancelit.com North Bay Business Resource Guide 2009
LAW & MEDIATION OFFICES OF THOMAS D. WRIGHT 200 Fourth Street Santa Rosa, CA 95401 707.578.3211 tdw@sonic.net
Since 1983, Thomas D. Wright has served Sonoma County residents. His staff and attorneys provide excellent representation in all aspects of family law dissolutions, including matters of guardianships, child custody, support, real property and family law businessrelated matters. They emphasize mediation and alternative dispute resolution, including a maximum of potentially successful settlement opportunities, www.amcadr.com. Tom is also a family law litigation attorney with 25 years experience.
NorthBaybiz
79
LEGAL SERVICES Kneisler, Schondel & Hubbs
McMillan & Shureen, LLP
538 Mendocino Ave. Santa Rosa CA 95401 (707) 542-5132
50 Santa Rosa Ave., Ste. 200 Santa Rosa CA 95404 (707) 525-5400
www.injuredworkerlaw.com
www.mcmillanshureen.com
Law Firm of Constance Burtnett
Merrill, Arnone & Jones, LLP
111 Santa Rosa Ave., Ste. 406 Santa Rosa CA 95404 (707) 495-9936
3554 Round Barn Blvd., Ste. 303 Santa Rosa CA 95403 (707) 528-2882
Collaborative Practice Ctr. 829 Sonoma Avenue Santa Rosa, CA 95404 www.margaretlanderson.com Margaret L.Anderson 707.546.4677
www.majlaw.com Meyers Nave
401 Mendocino Ave., Ste. 100 Santa Rosa CA 95401 (707) 545-8009 www.meyersnave.com
O'Brien, Watters, Davis 3510 Unocal Pl., Ste. 200 Santa Rosa CA 95403 (707) 545-7010
Law Offices of Shawn Jackson
1300 Valley House Dr., 100, Ste. 12 Rohnert Park CA 94928 (707) 584-4529 www.californiabusinessdevelopment.com Law Offices of Teal Montgomery & Henderson
815 Fifth St., Ste. 200 Santa Rosa CA 95404 (707) 525-1212
404 Mendocino Ave., 2nd Fl. Santa Rosa CA 95401 (707) 522-1100 www.smithdollar.com
Spaulding McCullough & Tansil, LLP 90 S. E St., Ste. 200 Santa Rosa CA 95404 (707) 524-1900 www.smlaw.com
412 Aviation Blvd., Ste. D Santa Rosa CA 95403 (707) 284-5524
1201 Vine St., Ste. 200 Healdsburg CA 95448 (707) 433-3363 Perry, Johnson, Anderson, Miller & Moskowitz, LLP
438 First St., 4th Fl. Santa Rosa CA 95401 (707) 525-8800 www.perrylaw.net Provencher & Flatt, LLP
Law Offices of William D. Cutler
www.provlaw.com
3510 Unocal Pl., Ste. 200 Santa Rosa CA 95403 (707) 542-1982
Senneff, Freeman & Bluestone, LLP
Walter & Prince, LLP
1270 Healdsburg Ave., Ste. 201 Healdsburg CA 95448 (707) 431-7900 www.walterprincelaw.com Welch & Olrich, LLP
809 N. Petaluma Blvd. Petaluma CA 94952 (707) 782-1790 www.welcholrich.com Windell, Ferguson & Lin, Attys. at Law
131-A Stony Cir., Ste. 500 Santa Rosa CA 95401 (707) 577-0805 www.livingtrustadvisors.com Zyromski Konicek, LLP
645 Fourth St., Ste. 200 Santa Rosa CA 95404 (707) 542-1393
Passalacqua, Mazzoni, Gladden, Lopez & Maraviglia
www.teallaw.com
846 Broadway Sonoma CA 95476 (707) 996-4505
Smith Dollar, PC
Sunderland l McCutchan, LLP
823 Sonoma Ave. Santa Rosa CA 95404 (707) 284-2380
Len Tillem & Associates
www.shapirogalvinlaw.com
www.obrienlaw.com Law Offices of Kwasneski & Davis
101 Golf Course Dr., Ste. 214 Rohnert Park CA 94928 (707) 586-4180
Shapiro, Galvin, Shapiro & Moran 640 Third St., 2nd Fl. Santa Rosa CA 95404 (707) 544-5858
The Andrews Law Firm, PC
222 Weller St., Ste. 202 Petaluma CA 94952 (707) 773-1375
■ MEDIATION Arbitration & Mediation Center
111 Santa Rosa Ave., Ste. 202 Santa Rosa CA 95404 (707) 525-9409 www.amcadr.com
www.theandrewslawfirm.net
JAMS
The Law Offices of Michael A. Fiumara
50 Old Courthouse Sq. Santa Rosa CA 95404 (707) 527-5267
182 Farmers Ln., Ste. 100A Santa Rosa CA 95405 (707) 571-8600
www.jamsadr.com Law Offices of Steven H. Katz
The Tavis Firm
4010 Montecito Ave. Santa Rosa CA 95401 (707) 578-9386
596 W. First St. Sonoma CA 95476 (707) 939-8177
50 Old Courthouse Sq., Ste. 401 Santa Rosa CA 95404 (707) 526-4250 www.sennefflaw.com
Thomas D. Wright
www.lentillem.com
In 2007 and again in 2008, Thomas D. Wright was selected as one of Northern California’s Super Lawyers. www.northerncaliforniasuperlawyers.com
Allegiance Litigation BUSINESS LITIGATION In business litigation, the cost of representation can determine success. Whether by direct representation, or management of your litigation, Allegiance Litigation can reduce the cost, and improve the cost-benefit equation. 38 years of business litigation experience as trial attorney, law firm partner and corporate general counsel.
www.allegiancelit.com North Bay Business Resource Guide 2009
LAW & MEDIATION OFFICES OF THOMAS D. WRIGHT 200 Fourth Street Santa Rosa, CA 95401 707.578.3211 tdw@sonic.net
Since 1983, Thomas D. Wright has served Sonoma County residents. His staff and attorneys provide excellent representation in all aspects of family law dissolutions, including matters of guardianships, child custody, support, real property and family law businessrelated matters. They emphasize mediation and alternative dispute resolution, including a maximum of potentially successful settlement opportunities, www.amcadr.com. Tom is also a family law litigation attorney with 25 years experience.
NorthBaybiz
79
Are You Waiting for Your Business to Improve? C E L E B R AT I N G
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Stop Waiting... Reach over 60,000 well-educated, affluent, potential customers and a mix of the North Bays’ most influential business decision makers when you advertise in NorthBay biz. ■
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80 NorthBaybiz
North Bay Business Resource Guide 2009
Print Advertising Works By Lorraine Picott
P
rint advertising is one of the many vehicles for getting your message to your target audience. It is also one of the most frequently used methods and has proven to be quite effective. To be effective, an ad must arouse readers in some way and create a desire to be proactive. This means it must prompt readers to call, email, go to a destination such as a website, make a purchase or take some other action. Print advertising works because readers see the product and can read your promotional message. All of the information readers need to place an order or to get more information, such as phone, fax, email address and point of contact, is included within the body of the ad. Once you’ve decided to place a print advertisement, think about what else can you do to increase visibility and sales. In other words, how can you get a good return on your print advertising investment (ROI)? Read on for some useful and effective tips. There are several things you must consider when developing your ad. What do you want your ad to do? In other words, what is the primary goal of the ad? You must determine whether the purpose is to introduce your company or product, generate sales for a time-sensitive product, elicit a response to a question or prompt the reader to request a free sample. What is your target market and where will you find it? For an ad to be effective, it must be directed to and read by your target market. So how do you find publications that are read by the target market you wish to reach? If you’re promoting a new product or service, you may use the Web to search for publications or related media that this special group uses. You can also conduct research or hire a consultant to help you find your niche. Another area to explore is special trade associations that your audience may be members of. These organizations often have publications that are tailored to meet the specific needs of their members. What does your target market read? Once you’ve narrowed down your target audience, you must decide where you want to place your ad. Magazines, newspapers, trade publications or flyers are commonly used print publications. However, where you decide to place your print ad will depend on the product or service you are marketing. How much do you spend on your print campaign? This may be one of the biggest questions you may have. Determining how much you’ll spend will also be largely influenced by your budget for the promotion and whether you’re North Bay Business Resource Guide 2009
planning other advertising to support your print campaign. Some considerations in determining how much to spend include: your reach or the number of people in your primary market; narrowing down the primary publications read by your audience; and the actual cost to run an advertisement in these publications. Many publications offer various sizes, such as a 1/6 page, 1/2 page or a full page, which can accommodate your budget. Of course, the larger the ad size, the greater the visibility you will have. But this doesn’t mean a smaller ad will go unnoticed. With good design and typography and a strong, direct message, a small ad can have significant impact. Other factors to consider when determining how much to spend on the campaign are ad placement and color. Premium placement and the use of color will increase your response rate. When should you advertise and in which issues? Another thing to consider is when the most likely time would be that your target market would read about your product in the publication. Also, the frequency of the publication is another important consideration. The more people see and read your product, the more familiar they’ll be, which will result in greater sales generated. If the publication reaches your primary market, then you should consider expanding your budget to allow the print ad to run at least at a three-time frequency. What do I put in the ad? When designing the ad, be sure to include a graphic or headline that would catch the eyes of readers and hold their attention. There must be something about your product or service that would capture the imagination and interest of the reader. It could be something very new; an improvement over a past performance; a special “promotional” price; a health benefit; a less costly version of a product; and so forth. What other variables should be considered? Wherever you decide to advertise, timing is most important. A special issue of a magazine or journal will draw more readers, increasing your exposure. You may also want to consider the months in which you advertise. If you have time-sensitive products or services, they should be promoted a month or two before your targeted response deadline. Conferences and workshops should be advertised well in advance of the event, so people can plan ahead. Print advertising works. Understanding advertising basics will help you get the exposure and sales you planned. By following these guidelines, you’ll be on your way toward getting a good ROI. ■ Source: APA Online
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In the Beginning: Let There Be Money
M
oney begets money. Yes, money is fertile. But where’s that very first dollar coming from, that initial buck so eager to multiply? This is the monetary Catch-22 facing every business: Before you make money, you need to spend money—for advertising, inventory and a place to call home. Luckily, this paradox has not just one but two solutions. You either own money you can use now or, if you don’t, you’ll owe money later. In other words, you either pull yourself out of the conundrum with your own money and money from people around you, or with money from a bank. The first solution can be labeled with four Fs; the second one with six Cs.
you get a bit tipsy on credit cards—it’s the American way. Just don’t be late with your payments. Long-term credit cards and short-term payoffs are excellent for your credit rating. And a good credit rating is as important for loan eligibility as is a clean driving record for your insurance premium.
Friendly Financing: Four Fs. The four Fs of begetting money for your business are: Your own personal funds, financial support from your family, contributions from your friends and help from other fools.
Third C: Collateral. The bank wants to make sure that—just in case you’re defaulting—there’s a valuable asset it can seize. This usually means your personal residence, where you have considerable equity. To get a loan, you must have had enough money to afford a house. Or in Bob Hope’s words, “A bank is a place that will lend you money if you can prove that you don’t need it.”
First F: Personal Funds. These are your own savings, but could come from your cash-based life insurance or even from a loan against your 401(k). When using your 401(k), beware of penalties and tax consequences. Second F: Family Assistance. There may be a trust fund you can tap into, or an anticipated inheritance your family will let you use. Or you receive a monetary gift from a rich aunt who always liked you. A relatively new idea is to formalize and administer lending between family members through person-to-person promissory notes. These loans are usually unsecured, based on family ties and obligations. The company Circle Lending, which started this mode of financing in 2000, passed $150 million in loan volume in 2007 and has, since this writing, been acquired by Virgin Money. Third F: Friends. Before borrowing from a friend, decide which you need most: Few deals have been lost because friends didn’t jump in to help, but many friendships have been destroyed because debt created a strain they couldn’t survive. Fourth F: Other Fools. It does happen that coworkers or acquaintances, girlfriends or admirers, sometimes even current or future customers find your business idea so exciting that their foolish greed to gain from it defeats their common sense. Usually, cobbling together funds in this undisciplined way spells trouble. Many new business owners have regretted they didn’t put aside enough money in anticipation of starting a business. Then, when they need it, they feel like Jackie Mason, who said he’d have enough money for the rest of his life unless he bought something. If that’s the case with you, you need to look at debt financing. Debt Financing: Six Cs. Debt financing here means bank loans. A bank is selling you money at a price. The price is called interest. I’m not concerning myself here with venture capital, angel financing, or private investors. (An investor’s “interest” isn’t in monthly repayments but in “poop”: profit, ownership through shares, organizational influence by choosing executives, and power by having seats on the board.) The six Cs are checkmarks for a bank’s debt financing. They are a bank’s list of requirements to qualify you for a loan. “Credit buying is much like being drunk,” says Joyce Brothers. “The hangover comes the day after.” Banks actually don’t mind if 82 NorthBaybiz
Second C: Capability. You need to prove you can pay back the loan out of the income from the business you’re financing. The bank doesn’t want you to engage other fancy schemes, loans or gifts. Always remember Oscar Wilde: “It is better to have a regular income than to be fascinating.”
Fourth C: Capital. Not only must there be the background security of collateral, but you must show your commitment by chipping in a substantial percentage, at least 10 to 20 percent, of your own money. This must be real money (cash in savings accounts), not just “paper equity,” such as a home equity line of credit. Fifth C: Character. You have to show you’re credible—that your background, education and experience qualify you for the business you seek to fund. Despite privacy concerns, banks and the SBA want to know about possible problems, even if they were in the past, and especially if they concern money. Problems Errol Flynn alluded to when he said, “My problem lies in reconciling my gross habits with my net income.” Sixth C: Conditions of the Market. A savvy banker will know what’s hot and what’s not. Construction loans were once sought after and granted more easily than they are now that the housing market has weakened. A super high-tech venture of quantum computing likely won’t be funded in an area where there are no top universities or qualified employees. On the other hand, when conditions are right, previously hidden or marginal industries get a bank’s attention, such as, currently, all types of “green technology,” from biofuel to green buildings (“eco-tecture”) to new farming and fertilizing methods. As reasonable as the Cs sound, most beginning businesses fail them. For them, it’s usually better to resort to the Fs, especially the first one (personal funds), or launch the business on the wings of a home equity line of credit from your favorite bank. A bank, however, will only sell you money; it won’t give you business advice. Nor will it give you an umbrella, as in Robert Frost’s witty remark: “A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain.” ■ Wulf Rehder, Ph.D., is a business consultant specializing in small business financing opportunities and business planning. He was a vice president in software engineering and is now also a volunteer of the North Coast chapter of SCORE, Counselors to America’s Small Business. Before his career in consulting and management, he was a professor of mathematics. You can reach him at wulfrehder@earthlink.net. North Bay Business Resource Guide 2009
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