May 2023 Southwest Florida Business Today

Salute to Small Business

Local entrepreneurs tell their stories in our annual celebration of commerce in Southwest Florida.

Could SWFL become an entrepreneurial hub?

Special to SWFBT

Submitted by Karen P. Moore, Publisher

“How many of you have ever been lucky enough to be part of an ‘aha’ moment?” asked Todd Reynolds, director of special programs at Hodges University.

Reynolds was addressing an audience of business owners, as well as government and community leaders. He went on, “One such moment has led us here today.”

He noted two years ago, he and Dr. John Meyer, president of Hodges University, coordinated think-tank discussions regarding the evolution of higher education and workforce development.

Reynolds went on to describe the moment.

“When you consider, we had the right place, the right time, the subject itself filled a real need, and we had the right people. The people sitting at the conference room table were all profes-

sionals with the expertise, the willingness, time and influence to make real economic impact, for people as well as the community.”

He continued: “We believe, with the combined support of all of you here today, that the collaboration we are about to introduce between Hodges University and LabX could really catch fire and be a difference-maker for Lee County, Southwest Florida and beyond.”

See page 6

DISTINGUISHED ENTREPRENEUR NOMINEES HONORED

Commercial Real Estate

A specially focused monthly section exploring the SWFL commercial real estate marketplace.

SBDC hosts 25 nominees at Millennial Brewing event

The Florida Small Business Development Center at Florida Gulf Coast University celebrated its 25 Distinguished Entrepreneur Nominees at a VIP Networking Reception held at Millennial Brewery, sponsored by VeraData. The event was a celebration of their achievements and contributions to the small business community.

“When residents shop at small businesses within their communities, their tax dollars stay within the local

IN THE NEWS

Gov. DeSantis awards Fort Myers Beach $11.9 million loan

Gov. Ron DeSantis awarded $11.9 million to the Town of Fort Myers Beach through the Local Government Emergency Bridge Loan – the first award through the program created in a Special Legislative Session earlier this year.

DeSantis presented Fort Myers Beach officials with the funds in a check presentation from his office

in the state capitol building. Administered by the Florida Department of Economic Opportunity, the Local Government Emergency Bridge Loan program helps support government operations that may have been impacted by hurricanes Ian or Nicole, bridging the gap while they await federal relief or for their revenues recover.

“By presenting Fort Myers Beach LOAN See page 7

economy, helping to improve our community as a result. We celebrate you, SWFL entrepreneurs!” said Dorian Zwierewicz, Regional Director of the Florida SBDC at FGCU.

Now in its 11th year, the award recognizes small business owners of Southwest Florida for their overall success and provides an opportunity for the local business community to celebrate their achievements.

The 25 nominees were selected

from the five-county area of Southwest Florida and contend for one of three awards including the “Distinguished Entrepreneur of the Year”, “Small Business Advocate of the Year” and “Distinguished Innovator of the Year”. All winners will be announced at the Distinguished Entrepreneur Awards Ceremony held on May 2 at the Spanish Wells Country Club.

AWARDS See page 14

IMPORTANT BUSINESS NOTES

 Moore About Business

Kick off your business week with “Moore About Business”! Tune in to SWFL PBS and National Public Radio (NPR) affiliate, WGCU radio at 90.1 FM, during Morning Edition and All Things Considered to hear SWFBT founder, owner and publisher Karen P. Moore share information and insights for and about our local business community. Listen to past segments at https://news.wgcu.org/tags/ moore-about-business

 Hurricane Ian SBA Loans Available to SWFL Businesses

Business owners have until June 29, to submit a SBA application for an economic injury disaster loan to help with financial recovery from Hurricane Ian. Call (800) 659-2955 or go to sba.gov/disaster.

 SWFBT News Updates

To get current business news throughout the business day, visit www.swfloridabusinesstoday.com.

Dorian Zwierewicz of the Florida SBDC at FGCU listens as Mike Peterson of VeraData shares his insights at the annual Distinguished Entrepreneur Nominees Reception at Millennial Brewery.

Small businesses prevail and grow

As a small business owner entering my 14th year in business, I can remember when I founded TLC Marketing & Creative Services, a Florida-certified womanowned business, during the real estate crash of 2008. I asked myself, am I going to survive? Well, I have.

Over the years, there have been obstacles and challenges, including Hurricane Irma, COVID-19, and IAN. How much can a small business owner take? I guess it’s how much perseverance you have.

All businesses will face these and other challenges in the industry. Becoming a small business owner takes courage, strength, tough decisions and resilience. This has made me a better and stronger leader.

SBA announces Small Business Week virtual summit

The U.S. Small Business Administration announced the 2023 National Small Business Week schedule for the Virtual Summit, taking place May 2-3.

This year’s NSBW Virtual Summit will feature educational workshops presented by our co-sponsors, provide access to federal resources and offer networking to help our nation’s entrepreneurs start and grow their businesses.

“SBA’s National Small Business Week highlights American success stories with a celebration made possible through SBA’s partnership with SCORE and the support of all of SBA’s generous co-sponsors,” said Associate Administrator for the Office of Communications and Public Liaison Christina Hale. “This year’s winners are amazing, and the SBA is proud to shine attention on their efforts, undoubtedly inspiring tomorrow’s American entrepreneurs as well.”

“Together, American small businesses create a very large impact on our nation’s economy,” said SCORE CEO Bridget Weston.

“The past few years have challenged business owners like never before. Thanks to the generous support of our National Small Business Week sponsors, we are celebrating the resilient spirit of American entrepreneurialism and providing timely education and resources to help ensure the continued vitality and success of our small businesses.”

The two-day Virtual Summit includes sessions hosted on everything from writing your business plan to using technology to elevate performance. The SBA continues to expand and use technology to reach the smallest of small businesses across America. National Small Business Week 2023 is being celebrated in person at our nation’s capital and throughout our virtual Summit so all entrepreneurs may attend.

SALUTE TO SMALL BUSINESS

EZEZ Business Network helps set up the basics

BY TRISH LEONARD Guest Columnist

At TLC, we have much to be thankful for as we celebrate Small Business Month. Our clients who keep us busy, the community to which we give back, and the many not-for-profits we serve and support.

Creativity plays a vital role in the business at TLC. The team works together to share ideas and continues to learn from each other. We provide educated experiences and research with natural creativity that offers positive results.

In January 2024, we will celebrate our 15th anniversary in Southwest Florida. We are excited to continue growing and providing our TLC experience.

This month, we salute all businesses and challenge you to continue to be the best you can be.

Trish Leonard, IOM, is the founder of TLC Marketing & Creative Services, Inc. Contact (239) 405-8115 or trish@trishleonard.com. Visit TlcMarketing-events. com.

A veteran of hard work, Elbert Zeigler understands firsthand the challenges small companies face. As a small business owner and operator in the automotive industry for more than 30 years, he has been on the front lines. He owned used car dealerships and auto body shops in diverse locations like New Jersey, Connecticut and Florida.

He said, “The Marine Corps taught me self-discipline skills that have helped me throughout my career.”

Following his retirement in 2010, he enrolled at Hodges University in Fort Myers. In 2015, he graduated with two diplomas: an Associate of Science in Computer Information Technology and a Bachelor of Science in Digital Design, Graphics, and Media.

Elbert started EZ Business Network in 2018 on the premise that every business needs a website, social media, and possibly e-commerce. He believes that the knowledge you acquire from starting a successful company (or a failed one, for that matter) can be used to help others.

Elbert said, “You should develop a positive rapport with potential clients. Start by actively listening to what they need and then be motivated to build a relationship with them. Recognize that clients work with you to solve their business problems. They aren’t buying a website. They’re buying a tool to accomplish their business goals. I learned quickly that clients don’t care about degrees, tech skills or design flair. Their main concern is whether I can help them accomplish their goals.”

He is passionate about web design and keeps upto-date with technology trends. His company aims to create functional, easy-to-use, and visually appealing websites at a reasonable price.

Contact Zeigler at info@EZEZBusinessNetwork.com or (239) 313-3700.

Zeigler

Congrats to all small business owners

For one teen, what started out as side job for a high school freshman cleaning his parents’ office building has grown into a franchise system with franchisees in 6 states and continues to grow.

Image One co-founder and Fort Myers’ resident Tim Conn began his career in the cleaning industry in the northern suburbs of Chicago in 1985. After 15 years, he partnered with Mike Schuchman of Estero and began franchising.

Locally, Image One USA has three franchise owners operating in Southwest Florida, servicing clients from Naples to Cape Coral. Image One provides janitorial services to any commercial property that requires an outside cleaning service.

From general offices to medical spaces, schools and churches, auto dealers to banks, restaurants to homeowner association clubhouses and common areas, Image One has had experience with virtually every type of commercial property.

The three local Image One franchises service a variety of locations and are available practically 24/7! Be it general cleaning, post construction clean-up, or a deep clean and disin-

Lessons learned from our first year

BY TIM CONN Guest Columnist

fecting service, Image One can provide it all. Two of the local franchise owners are second generation in the business. Having worked in and around the business their entire lives, it was a simple transition to franchising in SW Florida.

Brothers Anthony and Nikko Conn service from Naples to Downtown Fort Myers and have been operating in the area for almost seven years. New to the Image One family are Pat and Maria Rossi covering the Cape Coral area with eyes on expanding further north as they grow their franchise.

Tim Conn is the founder and President of Image One USA, a commercial cleaning service franchise. Visit ImageOneUSA.com of call (800) 223-1985. For the local franchisee, visit ImageOneUSA.com/fort-myers or call (239) 789-2267.

After several years in leadership positions within senior care businesses, my partner and I took the entrepreneurial plunge to start our own event planning and catering firm, One and Done With Cookie. We recently celebrated our first business anniversary, and when we looked back, here are the lessons we’ve learned.

Lesson 1: “Use your story”

We didn’t think our stories were interesting or dramatic enough to share with our customers. One of us (myself) was a Division 1 basketball coach; the other (Cookie) owned a restaurant in Virginia. But we were too close to those stories. Soon, we realized that talking about our backgrounds and families made us unique and different—and it gave a “behind-the-scenes” look that our clients have loved.

Lesson 2: “Wherever you go, there you are.”

As small business owner, we discovered that we’ve got to take care of ourselves while we take care of our clients. If we’re not happy and joyful on the inside, getting hired for a fabulous party in a luxury condo or special family dinner in the backyard wasn’t going to matter. When that inner world is chaotic, it trickles into our outer world, so we learned to stay in tune to our

stress levels —and take time off when we needed to rest.

Lesson 3: “Don’t cry over spilled wine.”

Even if you’re pouring a vintage Dom Perignon, spilled wine does happen. But when you’re starting a new business, mistakes are inevitable. Focus on progress, not perfection. While we’ve gained valuable experience, learning often comes from trial and error.

BY DANA EIKENBERG Guest Columnist

As we move through year two, we will continue to set ourselves apart by building trusted relationships, creating special experiences, and of course, sharing amazing food. We’re grateful for the opportunity to start a business in Southwest Florida.

Dana Eikenberg is the co-owner of One and Done With Cookie (OneandDoneWithCookie.com) with personal chef Cookie Lam Flack. The company specializes in private parties, special dinners and memorable family events. Contact Dana@ OneandDoneWithCookie.com or (401) 480-5775.

HELPING SECOND STAGE BUSINESSES GROW 3X FASTER THAN THEIR COMPETITORS

CUSTOMIZED DATA SOLUTIONS

NATIONALLY RECOGNIZED MENTORING PROGRAM

The American Academy of Entrepreneurs is a mentoring program that pairs seasoned entrepreneurs with business owners who have entered second-stage more recently The goal is to share lessons learned, expand networks and accelerate growth

The System for Integrated Growth℠ addresses issues that impact your growth, whether they are internal problems or outside the walls of your company The SWAT team of experts provides best practices and valuable data to help you better manage and grow your company For example, SIG can help you learn how to recruit or retain employees, explore new markets and create valuable prospect lists

Congratulations to the Southwest Florida 2022 GrowFL

Florida Companies to Watch Honorees:

STATEWIDE BUSINESS EXPOSURE

Florida Companies to Watch recognizes growing second-stage companies in Florida who demonstrate high performance in the marketplace, innovation, community involvement and excellent leadership

Since 2011, GrowFL has recognized 600 companies with this prestigious award

Call It Closed to provide mortgage services across U.S.

A division of Call It Closed International Realty has been created to offer mortgage services in all 50 states. Call It Closed Mortgage, powered by Brighton Bank allows the real estate company to provide competitive loan programs across the U.S.

Adding mortgage services will help Call It Closed International Realty facilitate smooth transactions and provide turnkey services for our clients and agents,” said Chad Osborne, the Naples founder of Call It Closed International Realty. “The service simplifies the process of home buying, with a fully automated loan process that allows buyers to see everything, including their rate and payment. It also allows our agents to be more involved in the mortgage process start to finish if they choose.”

Brighton Bank, an FDIC insured institution, has offered banking services for more than 110 years. The full-service lender will offer conventional mortgages, including FHA and VA loans, as well as nonconventional loans.

For information about Call It Closed Mortgage, call (833) 2427007.

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Subchapter V and the story of Lisa’s Pizza

Part 1 of 4

Who can forget the events that shook the world in February and March 2020? We all knew it was coming, but none of us knew how to prepare. No one could predict how life changing it was going to be. And then it happened.

On Feb. 19, 2020, the Small Business Reorganization Act went into effect. This Act created a new subchapter to Chapter 11 (i.e., the “reorganization” chapter) of the bankruptcy code. That subchapter is known as subchapter V, and this is the story of how a (somewhat) fictional business used subchapter V to combat its financial distress. This is the story of Lisa’s Pizza.

First, let’s review some basics. The “debtor” is the main character in any bankruptcy. The folks that are owed money are the debtor’s “creditors.” There are two main objectives when a debtor files for bankruptcy. It either wants to liquidate or reorganize. If the debtor wants to liquidate, it will typically file a chapter 7 case. Upon the filing of a chapter 7 case, a chapter 7 estate is created, and a chapter 7 trustee gets appointed. The debtor’s assets will now be controlled by the estate. The chapter 7 trustee’s job is to sell or otherwise monetize the assets and distribute the proceeds to the debtor’s creditors. Fortunately, Lisa’s Pizza does not need to liquidate. Instead, Lisa’s Pizza wants to reorganize.

Prior to February 19, 2020, Lisa’s Pizza only had one option to reorganize under the Bankruptcy Code. It had to use the same, very expensive process that large companies use. It had to make the same disclosures and incur court fees that debtors like General Motors and Stein Mart easily absorbed. In short, the chapter 11 process was unnecessarily complicated for a small company. Moreover, one could argue that small businesses were being denied access to the Bankruptcy process because it was cost prohibitive.

Bravo to Congress for recognizing this problem and creating subchapter V. The legislative intent was to “streamline the bankruptcy process by which small businesses debtors

reorganize and rehabilitate their financial affairs.” As Rep. David Cicilline, D-R.I., aptly stated, “it is essential that our bankruptcy system does not punish entrepreneurship and investment by foreclosing opportunities for small business to financially reorganize.” After all, small businesses are the backbone of our economy. Without access to a system that protects the risk takers, capitalism suffers.

...is what keeps you and your business ahead

BY MIKE DAL LAGO Guest Columnist

Now, let’s talk about Lisa. Lisa’s passion was making good pizza and her dream was to own the finest pizza parlor in Naples. In 2017, Lisa decided to fulfill her dream and opens Lisa’s Pizza. She applies for, and receives, a small business loan in the amount of $250,000 from Nice Bank. Repayment of this loan is secured by a first lien on all assets, plus a personal guaranty from Lisa individually. She signs a fiveyear lease in Mercato and begins her dream. The economy is strong, and it turns out that Lisa indeed makes excellent pizza. The reviews are through the roof:

“The Best Pizza in Naples” – Tom Satten

“Line out the door” – Anonymous Yelp Review

“So popular, you can’t get in on Weekends” – Facebook post

Demand for Lisa’s Pizza is incredible. Unfortunately, however, Lisa’s location is so small that she cannot supply the demand. The dinning area and kitchen is simply too small. Lisa decides in 2019 that she can sustain a second location. Her dream is becoming true.

Mike Dal Lago is the founder and managing partner of Dal Lago Law, a leading Business Law and Business Bankruptcy law firm in Naples, with 22 years of experience in insolvency matters. Contact Mike@dallagolaw.com.

Cape Coral small business class taking applications

Individuals thinking about starting their own business who but need some mentoring are invited to apply for the Goodwill Southwest Florida MicroEnterprise Institute’s Cape Coral class, scheduled for May 15-June 22. Application are now being accepted, and class size is limited.

More than 500 local businesses have emerged from the MicroEnterprise Institute. This six-week small business development program helps low-to-moderate income emerging entrepreneurs start new ventures and grow small businesses.

Classes are scheduled from 6 p.m. to 9 p.m. on Monday and Thursday evenings on Nicholas Parkway East in Cape Coral. Graduates complete a comprehensive training course and prepare a solid plan to guide their start-up. They work with mentors who are successful businesspeople and hear from subject matter experts in areas of accounting, legal, marketing, insurance and funding. An easy-to-use workbook, used by organizations across America, assist in transforming vision into a plan for a successful business.

A recent program graduate said, “This course helped me to organize and plan out the steps for creating my business. Coming in, I had no idea how to start a business that would lead to success, and now I have that.”

To apply, visit www.goodwillswfl.org/microenterprise, or call (239) 995-2106 ext. 2215. The session is $80; Volunteer hours can be substituted for the fee if income requirements are met.

For more information, email Sandra Plazas at sandraplazas@ goodwillswfl.org.

Bin There Dump That recognized by Forbes

Bin There Dump That, a residential dumpster rental franchise company with locations in the U.S. and Canada, has been recognized by Forbes HOME as a Best Dumpster Rental Company for 2023. Local entrepreneurs Martin and Ann Wierengo are proud to be part of this success story.

Forbes Home Improvement editorial team commended “Bin There Dump That” for the “most thorough services included in a residential dumpster rental package, including driveway protection and sweep up after every job.”

Forbes Home “Why We Picked It” recommendation provides insight into their selection process. “Admittedly our choice for the best pun in its name, Bin There Dump That offers 21 years of industry experience to clients of its 124 franchise locations. Out of our top five picks, this company offers the most of what’s included in a rental: protective boards under the dumpster so it never touches a driveway, sweeping up after every job, next day or same day service, delivery and pickup (also available on Saturdays), Dumpster Consultants to detail

ENTREPRENEUR PAGE 1

He then introduced Wil Glaser, president of LabX. Glaser moved to Naples 16 years ago and has several successful entrepreneurial enterprises under his belt. He explained the philosophy behind LabX. Whether budding entrepreneurs want to create and invest in their own ideas or nurture a concept while still holding down a job, Glaser is passionate about providing a welcoming experience for the individual innovator.

He shared that as he looked around Southwest Florida, he said to himself, “Why can’t we be an emergent technology hub, or why can’t we be known as a successful Silicon Valley?”

That has to come from talent, Glaser went on, and that talent, when it comes up with a new idea, needs to be fostered and not pushed aside. He noted, “It just takes one individual to go through and really change an entire economy.” He then shared, “When I met with John and Todd and Mr. Talmage, when we were

everything you need to know about renting a dumpster and more.”

“The difference with our dumpster experience goes beyond ease of delivery in space-restricted neighborhoods and our clean, attractive containers,” said Mike Kernaghan, CEO of Bin There Dump That. “Our franchisees are local business owners, serving their local communities. Their focus is on providing the best solution and the best service to each customer, based on the customer’s project, property configuration, and budget.”

“Our franchise offers home and business owners a unique dumpster rental experience with an attention to detail which is not common in the dumpster rental industry,” say Martin and Ann Wierengo. “We want that final step in your cleanup or renovation project to be easy, convenient, and professional. It’s clear that our customer-focused approach works because our business continues to grow.”

Contact Bin There Dump That of Fort Myers at (239) 707-4919 or fortmyers@bintheredumpthat.com.

touring the lab, the question came up of ‘How can we be getting innovation more into this community?’ “ Glaser pointed out, “So if all we need is that one Bill Gates, that one Steve Jobs, that one Elon Musk, that can develop that company that is worth hundreds of billions of dollars, and more companies springing up, shouldn’t we be actively looking at these individuals within our own communities?”

He continued, “What we need to be doing is creating a team that identifies these firebrands. I didn’t even know this word existed, but a firebrand is another word for a person who stands out, who feels very strong about an idea and will take risks to see it through.”

Glaser concluded, “It used to be that ‘It takes a village.’ And that still should be the case; to have that same mentality in that we want to wrap this individual with as much support and expertise as possible, because we want them to succeed, and they’re also going to be that much more passionate about this area.” So, inspired by Wil Glaser’s vision and leadership, could Southwest Florida be the next Silicon Valley?

Hodges University launches Workforce Readiness initiative

One of the most consistent answers that organizations of all sizes say they need are professionals with specific skills. Hodges University is answering that need with its Workforce Readiness initiative.

“The idea behind Workforce Readiness is to help close the skills gap that organizations across every industry want their employees to have,” said Dr. John Meyer, Hodges University president. “The answer to fulfilling those needs doesn’t necessarily mean an individual needs a college degree.”

Workforce Readiness is all about offering quick training that can range from a few weeks to four months. At the end, the student earns a certificate of completion, along with the knowledge and skills needed to fill a workforce gap.

“Workforce Readiness has three, distinct areas of training: online, healthcare, and corporate training,” said Adrian Kerr, Hodges University vice president. “These programs cover a wide range of industries and skills. Many of the hundreds of offerings we have available are taught 100 percent online.”

Those online areas include insurance, real estate, robotics, EV Tech, automation, renewable energy, technology, criminal justice and software development. There are also computer programming bootcamps.

In the area of healthcare, Hodges University offers on-campus EMT training in seven weeks, and one-campus foundations of dental assisting in six weeks. More programs are coming in the near future for phlebotomy and certified nursing assistant.

In Corporate Training, we have professional development courses and workshops in the areas of leadership, customer service, Microsoft Office and Quickbooks.

Visit Hodges.edu and click on Workforce Readiness, call (239) 598-6161 or email gontek@ hodges.edu.

LOAN PAGE 1

with this $11.9 million award just weeks after I signed this new program into law is a testament to our commitment to helping communities impacted by Hurricanes Ian and Nicole recover as quickly as possible,” DeSantis said. “Through this program, we look forward to connecting more communities with the resources they need to continue operations as they rebuild.”

“Thanks to Governor DeSantis’ leadership and relentless support of disaster-impacted communities, local governments like the Town of Fort Myers Beach will be able to maintain their government operations as they continue to recover post storm,” said Department of Economic Opportunity Acting Secretary Meredith Ivey. “Our top priority is to continue assisting communities rebuild and recover – we strongly encourage eligible local governments to apply.”

“The Governor’s commitment to Southwest Florida is phenomenal,” said Senate President Kathleen Passidomo. “Together, we authored the Bridge Loan Program during the Special Session to help communities in Southwest Florida, including Fort Myers Beach, continue their operations. The program is modeled after the Florida Small Business Emergency Bridge Loan Program, which the Governor activates during an emergency. Loans are provided interest-free. Our communities brought this concern to our attention earlier this year, and together we took quick action to help make our communities whole.”

“Thank you, Gov. DeSantis and Senate President Passidomo for your unwavering dedication to helping us recover after Hurricane Ian devastated our community in Fort Myers Beach six months ago,” said Fort Myers Beach Mayor Dan Allers. “With this award, we will be able to continue keeping the lights on and keep people working as we work to recover.

The Local Government Emergency Bridge Loan exists to fund governmental operations within eligible Florida counties and municipalities and bridge the gap between the time of the hurricane and the time additional funding sources or revenues are secured.

“Governmental Operations” includes costs associated with continuing, expanding or modifying local operations to meet disaster-related needs and includes costs such as staff salaries and payroll.

Counties and municipalities located in the disaster declarations for Hurricane Ian or Hurricane Nicole are eligible to apply.

An applicant must demonstrate that it may suffer or has suffered substantial loss of its tax or other revenues as a result of the hurricane and establish a need for financial assistance to enable it to continue to perform its governmental operations to be eligible.

DEO is accepting applications on a rolling basis until available funds are exhausted. Eligible applicants are encouraged to submit the required documentation and information via email to LocalGovernmentBridge@DEO.MyFlorida. com. For more information about the program, visit www.FloridaJobs.org/LocalGovernmentBridge.

Naples author Sue Ryan delivers TEDx Talk in Delaware

Sue Ryan, inspirational speaker, three-time international best-selling author/co-author, leadership coach, and founder of Sue Ryan Solutions in Naples, was invited to Delaware, to deliver a TEDx Talk.

Ryan, known as a caregiving industry influencer, joined the group of seven speakers at the Winter TED Talk event hosted by the TEDx Group at Theatre N in Wilmington.

Her TED “ideas worth spreading” talk was titled: Ultimate FreedomUnlocking the Power of Choice. The talk explored how the power of massive acceptance and radical presence empower individuals to remove judgment from experiences.

“You maximize the potential and possibilities of each experience and have access to what living your best life is - moment by moment,” Ryan said.

The passion to become a TED speaker began several years ago for Ryan. After she developed the process of massive acceptance and radical presence, she knew this was the TED topic and invested five months preparing her talk.

Ryan knows her subjects as she has

lived and navigated both the executive corporate world and life as a family caregiver at the same time for many years.

“I’m passionate about spreading the idea of massive acceptance and radical presence because it empowers

us to be fully present in each moment, consciously making the wisest choices without judgement. It came to me when I was reflecting on an experience when I was my dad’s caregiver. I felt I’d really let him down and I wanted to know how to improve,” Ryan added.

Naples author Sue Ryan speaks about the importance of empowering individuals during a TedX Talk on leadership.

Tips for renewing commercial insurance policies

Hurricane Ian changed the landscape in many different ways for Southwest Florida. One of those major changes is in the insurance industry. Insurance claims and insurance policies have been the topics of discussion for many businesses as insurance rules and coverage prices have dramatically changed for commercial real estate owners in Florida.

Blake Day, president of Day Adjusting and Consulting, has a passion for helping policy holders overcome the challenges they face with insurance claims. With more than 15 years of indepth knowledge of the insurance industry, Day is a recognized as an expert in property insurance claims. He offers advice to commercial and residential property owners and would like to share a few tips to those in the process of renewing their coverage or seeking new coverage.

Day’s tips on the importance of getting the correct commercial insurance policy type.

RCV vs. ACV Policies: A Replacement cost value (RCV) policy covers the amount of money needed to repair your property at today’s prices of building supplies. An Actual Cash Value (ACV) covers the cost to replace your roof or other items at the price of materials when originally installed. Most policies in Florida are RCV policies. Unless the property is brand new, we suggest always getting a RCV policy.

Know your Deductibles: Your de-

ductible is the amount you’re responsible for before your insurance company starts to pay and in Florida, you are REQUIRED to pay your deductible. Your all-perils deductible applies to any event that would occur to your property EXCEPT a hurricane. Hurricane deductibles apply to named storms such as Hurricane Ian. Your named deductible can be a flat specified amount, or it can be based on a percentage of your property’s insured value. If your commercial property has multiple buildings make sure to clarify with your agent if your deductible is per building or per occurrence. It’s imperative to ask your agent what kind of deductible you have.

Importance of O & L Coverage: Make sure you have coverage for Ordinance and Law (O&L). If a building code requires an update, O&L coverage means the insurance company would be responsible to bring the building up to code. If you do not have O&L, any building code upgrade would be out of pocket as the insurance company would only be responsible for the expense of building back to the original state prior to damage. Due to the ever-changing nature of Florida building codes, we suggest that you ensure that your policy has O&L coverage.

Appraisal Provisions: Appraisal is an alternative dispute resolution that allows for an independent third party to assess the value of damages. Having this

provision can often times prevent having to sue your insurance company for a dispute. We highly suggest having Alternative Dispute resolution provisions.

Coinsurance Penalty: Does your commercial policy have a coinsurance penalty? Coinsurance penalties often range from 70%-100%. A 70% coinsurance penalty would require that your property is insurance for at least 70% of its total value. A 100% coinsurance penalty means that your building must be insured for 100% of what it is worth. If your insurance company decides at the time that you submit a claim that you are underinsured, they can assess a significant penalty and not pay you the full value of your claim. To ensure that you are insured properly.

Day Adjusting & Consulting is locally owned and operated. The team of adjusters advocate for policyholders when filing an insurance claim, residential and commercial. Whether the claim has already been filed, needs to be filed, or has been closed with an unsatisfactory payout, Day’s company can represent the policy holder at any point in your claim process, even if your claim has been denied.

Blake Day, president of Day Adjusting, has over a decade of experience in the insurance industry. With local offices, contact him at (855) 729-0838 or contact@dayadjusting.com.

Stevens Construction awarded construction of The Island Cow

Stevens Construction has been awarded the construction management services of The Island Cow, located on Periwinkle Way in Sanibel, announced Daniel Adams, Stevens Construction executive vice president.

Stevens Construction is building a 5,754-square-foot restaurant with indoor and outdoor dining, and a commercial kitchen with a walk-in cooler and freezer. To complement the Sanibel location, The Island Cow will feature Florida-style details such as a metal roof with a thatched roof entryway, outdoor tiki bar, indoor/outdoor bar and vibrant colors. The new The Island Cow is 1,000-square-foot larger than the original building that perished in an after-hours fire in 2022.

Stevens Construction is currently working through the preconstruction, providing budgeting, project scheduling and cost-savings suggestions as the design progresses. Southview Studios is the architect of record and Haley Ward, Inc. is the civil engineer.

Construction of The Island Cow is slated to begin in August and be completed in spring 2024.

A look at commercial real estate trends & topics in Southwest Florida

More businesses on tap at Babcock Ranch

Local and national businesses continue to flourish at Babcock Ranch. With the Publix-anchored Crescent B Commons shopping center near full capacity and construction now underway for a freestanding Pet Supermarket and a Starbucks, town developer Kitson & Partners is planning the neighboring Shoppes at Yellow Pine, complete with a lakefront restaurant.

“As our town grows, we’re focused on providing our residents and surrounding neighbors with closeto-home options for everyday essentials as well as shopping, restaurants and professional services,” said Syd Kitson, chairman and CEO of Kitson & Partners, Babcock Ranch’s developer. “It enhances conveniences while reducing the need for longer car trips and supporting our goals of sustainability.”

A look at

Since residents lined up for the September 2021 grand opening of Crescent B Common’s first business – the 48,000-square-foot Publix – remaining spaces filled quickly. Openings include NV Realty, Kumon learning center, Dental Care at Babcock Ranch, Great Clips, the Animal Hospital at Babcock Ranch offering on-site wellness, emergency and surgical care and U-Yee Sushi, supplying a steady ding of notifications on Matt Buehler’s cellphone from happy customers.

“U-Yee Sushi is phenomenal and always packed,” said Buehler, Kitson & Partners’ senior vice president of retail.

Crescent B Commons is also home to Publix Liquors, Clover Nails & Spa, The Postal Place Pack & Ship, The Royal Paw Grooming and doggie daycare

and Stellar Vision.

Resident-owned Pi Local Pizza and M’xuma Tacos Mexican Grill offer local flavor for guests attending Babcock Ranch’s events and exploring the town’s parks and trails. The restaurants are also favorite spots for homebuyers visiting the Discovery Center, where they learn about Babcock Ranch’s neighborhoods, builders and the new Midtown development phase.

Crescent B Commons recently completed a 1,700-square-foot playground with towering slides and raised decking with tables and chairs for alfresco dining. Also on tap is a national bank.

LSI brokers industrial building portfolio in Fort Myers, Sarasota

LSI Companies brokered a 13,856-squarefoot industrial building portfolio for $2,474,285.

The properties were acquired by L.B. Andersen Construction from Benchmark 2120. The properties are located on Corporation Circle in Fort Myers and on Field End Street in Sarasota.

Best Commercial Lot Values in Southwest Florida

The deal was brokered by Justin Thibaut, CCIM, and Hunter Ward, CCIM, of LSI Companies.

25335 Rampart Blvd

Port Charlotte 33983

With Babcock Ranch in the national spotlight and plans underway for the next phase of development in Midtown, regional and national businesses are taking notice, prompting Kitson & Partners to accelerate the introduction of The Shoppes at Yellow Pine. Groundbreaking is planned toward the latter part of 2023. The new center will offer 120,000 square feet of commercial, retail, office and restaurant space – 1.5 times the size of Crescent B Commons – plus patios and outdoor dining areas.

In addition to new eateries, including a freestanding restaurant overlooking Sunset Lake, Buehler anticipates The Shoppes at Yellow Pine to attract general shopping, medical offices, a hardware store and services.

“There’s so much demand for businesses to open in Babcock Ranch,” he said. “Everybody’s heard about the town and know they want to be here.”

Cooper’s Hawk opens in Fort Myers

Cooper’s Hawk Winery & Restaurants, a lifestyle brand centered around food and wine, has opened its newest location in Fort Myers.

The restaurant, located at Olympic Court on Six Mile Cypress Parkway near Daniels Parkway, is the company’s second Southwest Florida location and its 54th nationwide.

Cooper’s Hawk is an award-winning winery, restaurant, artisan market and Napa-style tasting room concept with headquarters in Downers Grove, Illinois. The company was founded in 2005 by CEO Tim McEnery.

McEnery’s restaurants serve 600,000 Wine Club Members, who enjoy limited production Wines of the Month, as well as travel and dining experiences.

The Fort Myers culinary team is led by Senior Area Director Tim Mahler

and General Manager Clair Fleshner, who work closely with Executive Kitchen Manager Jonathan Hood. The contemporary-American menu is infused with international flavors, and each dish on the menu is listed with a bin number, guiding guests to their selection’s perfect wine pairing.

The restaurant’s design evokes architecture of California wine country, welcoming guests into an environment that encourages conversation over food and wine. The expansive space features an indoor dining area that can accommodate 260 guests as well as outdoor patio seating for 48 guests. The venue houses flexible private dining space for up to 48 guests that is divisible by a sliding wall that creates two smaller spaces for smaller events. The restaurant is fronted by a Napastyle tasting room and retail space.

Price: $659,000 Size: 4.30

4214 Duncan Road (Hwy. 17)

Punta Gorda 33982

The firm also brokered a 23-acre residential property in Fort Myers for $1,315,000. The property was acquired by Sana Abuoqab, Trustee of the 601 Homestead Road S Land Trust dated Feb. 17, from Arrowhead Investments of Southwest Florida. The property is located on Homestead Road in Fort Myers. The deal was brokered by Hunter Ward, CCIM, of LSI Companies.

LSI Companies is Southwest Florida’s leading full-service real estate brokerage and development firm.

Description: Medical Office Space. Deep Creek has several ALF communities, private and public. Major Rehabilitation Center adjacent to this site. Two major hospitals within 10 minutes of site. East border of the property is a large Housing Complex with future zoning of commercial in front. Plans available for 7 buildings, each 5,000 sq. ft.

Best Commercial Lot Values in Southwest Florida

The company specializes in all aspects of site development, current market and valuation issues, acquisition and disposition services, due diligence evaluation, zoning and permitting, work-out projects, asset management, and appraisals.

Truck or Auto Terminal Hub, close to Hwy 17 and I-75 exit. Railroad meets rear of property. I-75 Interchange currently projected to cross eastern portion of property, high visibility once completed.

Price: $795,000 Size: 6.84 AC Description: 2 lots, 1 - 5.3 Acre Parcel and 1 - 1.5

available, survey also available. Future land use is Commercial Corridor

For more information contact:

Terminal Hub, close to Hwy 17 and I-75 exit. Railroad meets rear of property. I-75 Interchange currently projected to cross eastern portion of property, high visibility

For more information contact:

Jeanette Igoe

Broker Igoe Realty P.A. ABR, CIPS, CPRES, CRS, e-PRO, GRI, GREEN, SFR, TRC

jigoe5@aol.com 239-572-3269

www.JeanetteIgoe.com

NCCER, Lowe’s hosts graduation ceremony for recovery academy

NCCER and Lowe’s on April 14 held a graduation ceremony at the Luminary Hotel for 30 students of the Rapid Relief Construction Academy program, which was created to help infuse more skilled craft professionals into Southwest Florida communities to help rebuilding efforts after Hurricane Ian.

Made possible through a $250,000 donation from Lowe’s as part of its ongoing efforts to support the Southwest Florida community, the six-week, tuition-free, nationally recognized construction training program was designed to give displaced workers and those interested in working in the trades the opportunity to help with storm rebuilding and restoration efforts.

NCCER enlisted Florida Masonry Education to teach students the essential skills needed to jumpstart their construction education and expand the construction workforce in the hardest-hit and most damaged communities near Ft. Myers.

Market Trends held in Fort Myers

The region’s leading voices in real estate convened in Southwest Florida at the Caloosa Sound Convention Center & Amphitheater in Fort Myers to present the Market Trends 2023 summit on March 14, a sold-out event drawing more than 1,100 attendees.

The theme of the 2023 event was “The Future Ain’t What It Used to Be,” following the last 24 months

of rising interest rates, industry shifts and the impacts of Hurricane Ian. Led by local real estate experts Randy Thibaut, Denny Grimes and Justin Thibaut, Market Trends provided updates on data, research and fact-based analysis to help homeowners, homebuyers, real estate professionals and Southwest Florida understand the latest trends in the real estate market.

Randy Thibaut, Denny Grimes and Justin Thibaut were the speakers at the Market Trends 2023 summit.

Brian Hamman and Ted Fitzgeorge

Kyle DeCicco , Rudi Hamer, Lee Golden David A. Wright and Josh Hall

Kim Ross and Crystal Stouten

Protecting biz from cyberthreats Company

sells promo with swag

What does it mean to be “the Sultan of Swag?”

For Rob Paul, a business leader and entrepreneur from Naples, it means leading one of the fastest-growing Business to Business promotional products companies in Florida: SwagWorld.

It also means helping businesses quickly create and deliver branded products at a time when events are bustling, and companies are seeking to build loyalty and brand awareness.

SwagWorld brings a consultative, solutions-minded strategy along with a straightforward approach to resolve challenges and deliver for clients.

“Increasing top-of-mind awareness” to help drive repeat business and build client/employee loyalty is the name of the game, Paul said.

Recent specialty swag orders included a custom leather wine box debossed and etched wine bottle with a luxury car dealership’s logo, as well as a from-scratch, 3D Realtor award.

SwagWorld’s’s web-based eCommerce platform relies on ever-evolving

technology to custom-design and creates everything from branded pens and T-shirts to stadium chairs and table coverings. SwagWorld features company store capabilities, meaning employees and clients can go to their own branded microsite to purchase gear. Companies and clients can also build and design their own virtual sample— seeing what a product would look like before purchasing.

SwagWorld instantly became involved in the Southwest Florida community by donating swag to local charities and doing nonprofit work, such as serving as a board member for Big Brothers Big Sisters of America and helping with or donating time to charity events.

The bottom line: If your company’s goal is to increase visibility, be there when your clients need you, drive your brand message home, or come up with the perfect corporate gifts, we can help.

Contact Rob Paul at (419) 409-8000 or Rpaul@SwagWorld.com. Visit swagworld.com.

Lipman makes $3 million gift to RCMA

RCMA announced that it received a donation of $3 million from Lipman Family Farms. The gift will support efforts to expand RCMA’s charter schools throughout the state, including a new campus in Immokalee, Florida. The gift is the largest one-time private gift that RCMA has ever received and is also Lipman Family Farm’s largest donation to any one organization.

“Lipman Family Farms has been a great partner in helping us provide educational opportunities and other services to the migrant and agricultural working families in Immokalee and throughout the state,” said Isabel Garcia, executive director of RCMA. “This gift will fuel RCMA’s efforts to build new dual language schools in different parts of rural Florida, which have the potential to change Florida’s educational landscape for low-income families in rural Florida. We are so very grateful for their generosity.”

RCMA will receive $1,200,000 from Lipman Family Farms this spring, and $200,000 a year over the next nine years. In honor of their many years of partnership, RCMA’s new campus in Immokalee, located off Lake Trafford Road, will be named Lipman Family Farms Campus for Children and Families.

“We are proud to be a part of the continued success at RCMA,” said Jaime Weisinger, director of Community Relations for Lipman Family Farms.

“This gift represents the largest donation Lipman has ever made to a nonprofit organization, and is the culmination of a relationship that goes back decades. Lipman is dedicated to creating lasting impact in the communities in which we operate, and this gift is going to positively affect the Immokalee community in a big way.”

Groundbreaking for the new facility in Immokalee will be held on May 12. When completed, the center will feature two new child development centers, a community center, two soccer fields, and a new charter school.

Celebrating its 12th year in business, Tech in a Flash, a locally owned managed service provider and computer repair shop, has come a long way since its humble beginnings.

Initially operating as a mobile-only computer repair shop, we now boast a prime location on Del Prado and proudly service over 180 local businesses and 500-plus residents in Cape Coral. As a managed service provider (MSP), we offer comprehensive IT services, including proactive monitoring, maintenance, IT support and cybersecurity solutions.

Our team experienced explosive growth last year, despite being shut down for several weeks due to Hurricane Ian. Today, we employ 13 skilled team members providing exceptional cybersecurity services.

The past few years have seen a dramatic increase in cyber threats. According to the FBI’s Internet Crime Complaint Center (IC3), reported cybercrimes rose by 69% from 2019 to 2020. Ransomware attacks increased by 150% in 2021, causing significant disruptions and financial losses. Small businesses are often prime targets due to their perceived vulnerabilities.

We have seen a spike in threat actors targeting businesses involved in the sale of homes, such as real estate agents, developers, roofers and title companies. Over the past two years, Tech in a Flash provided breach response services to help businesses recover from devastating attacks. Many of these incidents resulted in 5 or even 6-figure payouts due to the lack of security, backups and disaster recovery plans.

At Tech in a Flash, we understand the

BY MATTHEW REBSTOCK Guest Columnist

stakes and adapt to ensure our clients’ security. Our experts stay informed of emerging threats and trends, investing in cutting-edge technology and training. We work closely with clients to customize cybersecurity strategies tailored to their specific needs.

As the CEO of Tech in a Flash, I’m passionate about educating local business owners on the risks they are exposed to in a digital world. I recently finished writing my book, “Not Today, Hackers: Render Cybercriminals USELESS With Today’s Proven Plan to Protect Your Network And Business From A Data Breach.” It is expected to be a valuable resource for businesses looking to bolster cybersecurity defenses. Email me for an advanced copy.

As we continue adapting to the everevolving cyber landscape, our commitment to securing the IT needs of local businesses and residents has never been stronger. I look forward to more years providing exceptional cybersecurity services, breach response solutions, and building Tech in a Flash to be the premier IT Services company in Southwest Florida.

Matthew Rebstock is the CEO of Tech in a Flash with over two decades of experience in the IT field. Contact him at matthew@ techinaflash.net or (239) 789-2700.

RCMA announced that it received a donation of $3 million from Lipman Family Farms.

Lee County economy: ‘All cylinders are clicking’

The Horizon Council, Horizon Foundation and Lee County Economic Development Office issued a State of the Economy report at the annual meeting showing positive gains across nearly every measurable economic indicator.

The broad overview of Lee County’s economy came after Hurricane Ian’s landfall dealt what could have been a significant setback for the region. Instead, the storm had the opposite impact.

“Our community is stronger than any storm,” said Sanibel Mayor Holly Smith, president of the Horizon Foundation. “We have seen the very best come out across this community.”

Local business leaders presented an overview of key economic indicators showing across-the-board growth from 2021 to 2022:

• Population: +3.3%

• Total Employed: +5.1%

• Median Family Income: +15.7%

• Number of Businesses: +5.9%

• Residential Building Permits: +3.4%

• Sales Tax Collections: +10.0%

• Bed Tax Collection: +24.7%

• Airport Passenger Traffic: +0.2%

• Active Business Licenses: +13.5%

Meanwhile, Lee County’s unemployment rate dropped from 4.2% in 2021 to 2.9% in 2022, and builders completed 1.5 million square feet of commercial space in 2022.

“All cylinders are clicking for Lee County’s economy, and we expect that positive growth to continue into 2023 and beyond,” said Stevens Construction President Mark Stevens, chair of the Horizon Council. “We have an extremely favorable business climate in Lee County, and survey after survey place the region among the 10 most desirable places to live and work in America.”

Four issues were noted as ongoing challenges moving forward: (1) Workforce development; (2) Workforce housing; (3) Business recruitment; and (4) Hurricane recovery.

Also at the Annual Meeting, which was held Feb. 28 at Broadway Palm Dinner Theatre in Fort Myers, four individuals were presented with awards recognizing their commitment to enhancing Lee County’s economy:

• Brian Hamman received special recognition for his services as the Lee County Board of County Commissioners liaison to the Horizon Council in 2022.

SALUTE TO SMALL BUSINESS

• Bj Brundage and Russell Schropp were presented The David Barton Legacy Award for their dedicated service as members of the Horizon Council.

• Dilman Thomas was presented with an award of special recognition for his continued support, guidance and leadership in ensuring that the Horizon Foundation leaves a lasting legacy in Lee County.

Additionally, the three organizations recognized top investors that are supporting Lee County’s economic development activities:

• Visionary Investors: Industrial Development Authority and Blue Waters Development Group

• Horizon Investors: Lee Health and Wells Fargo

• Cornerstone Investors: Bank of America, Comcast/Comcast Business, Cushman & Wakefield, Fifth Third Bank, Henderson Franklin Attorneys at Law, Lake Michigan Credit Union, Regions, Seagate Development Group, Teco and TriCircle Pavers

Leadership succession was announced as Smith was installed as president of the Horizon Foundation, and Stevens was installed as chair of the Horizon Council. Christopher Spiro takes the position of immediate past president and was awarded the coveted “rocking chair.”

Ultrasonic technology combats biofouling of boats and docks

WaveArray Antifouling Systems is a high technology startup, headquartered in Naples, specifically created to solve the problem of biofouling on submerged structures with its unique ultrasonic technology.

The term “biofouling” refers to organisms like barnacles, oysters and algae attaching themselves to manmade objects like boats, docks and emergency ladders. The team is comprised of boaters, fishermen and engineers who are fed up with the antifouling so-

lutions used today like bottom paint. WaveArray has earned multiple, National Science Foundation (America’s Seed Fund) monetary awards based upon its innovative solutions and societal benefits, such as completely and forever eliminating poisonous bottom paint from our sensitive waterways.

The company is currently bringing two new products to market designed to keep barnacles, algae and other organisms off all submerged surfaces. Both products use WaveArray’s pat-

ented, ultrasonic system that creates a microscopic “hurricane” in the water to prevent fouling from occurring. The Slip Array keeps boats clean of fouling while parked in their slips. This product is designed for marina managers so they can offer a premium, biofouling free slip where bottom paint and divers are not needed, along with individual boaters who have their own slip and keep their boat in the water. The Dock Array attaches directly to a dock or other object in the water and

keeps things like floating dock pillars, cable to shore transition points and seawalls clean of fouling to eliminate marina operational headaches. This product was designed by request from multiple dockmasters and marina managers in the Naples area who were fed up with barnacles and oysters destroying parts of their critical infrastructure in their marinas. For information or to request a free demo, visit wave-array.com or email info@wave-array.com.

Massive Bio, NeoGenomics announce collaboration

Massive Bio, a private AI-enabled oncology startup that provides virtual and in-person concierge services for cancer patients, and NeoGenomics, a leading provider of cancer-focused genetic testing services and global oncology contract research services, announced a collaboration with the goal of accelerating the development of new cancer therapies and ultimately improving the lives of millions of cancer patients around the world.

NeoGenomics will identify patients in real time who may be eligible for clinical trials based on biomarker status.

Health network supports small businesses

Employees missing work from illness is estimated to cost about $3,600 per year for each hourly worker and $2,660 each year for salaried workers, according to “Absenteeism: The Bottom-Line Killer” by Circadian. Indirect costs include the possibility of poorquality goods and services due to overtime fatigue or understaffing, manager time, safety issues, reduced productivity and lower worker morale for having to cover for missing employees.

These are just a few of the reasons that Professional Wellness Month in June notes the importance of employee health because of its role in driving business success, attracting top talent and retaining employees.

But small businesses are often focused on keeping the lights on, keeping shifts staffed and managing rising expenses, which can sometimes make employee wellness goals difficult to reach.

Even with the best employer-supported health insurance, another challenge to employee wellness can be access to health services. The U.S. Health Resources and Services Administration designates nearly all of Southwest Florida as a “Medically Underserved Area,” meaning there are too few primary care providers for the growing population. Access to primary care is critical because of its role in prevention, chronic disease management and as an overall entry point to the health care system.

Healthcare Network, the only Federally Qualified Health Center in Collier County, provides the same high-quality primary care to all residents of Southwest Florida, regardless of insurance or job status. Accepting most private and public health insurances, Healthcare Network also offers qualified patients a sliding scale for fees based on family

BY JAIME ULMER Guest

size and income. Indeed.com notes one critical component of employee wellness is the availability of mental health services. This can also be a challenge because Florida is ranked 49th in the nation for access to mental health care, according to Mental Health America.

Healthcare Network offers mental and behavioral health screening and consultation as part of primary care. If additional mental and behavioral treatment is needed, the new Center for Psychology and Wellness at Nichols Community Health Center offers behavioral health services for children, adolescents, adults and seniors in person or via telehealth in English, Spanish and Haitian Creole, without a physician referral. In addition, Healthcare Network offers dental care for children and adults, with or without dental insurance, a benefit that is often difficult for small businesses to provide employees.

When the community is healthy, everyone benefits. Fewer employees call out sick, children do not miss as many days of school and learning is not impaired by unmet health needs. Healthy workers spend money in their communities and consumer demand results in more jobs.

Jamie Ulmer is president and CEO of Healthcare Network. For information or an appointment, visit healthcareswfl. org.

Following initial contact and outreach provided directly from NeoGenomics to the treating physician, Massive Bio will help obtain patient consent and expediate additional screening and potential enrollment. This partnership will help to quickly identify patients eligible for clinical trials and help patients and providers make an informed decision regarding their potential treatment avenue.

By combining their respective strengths in biomarker testing, data analysis, machine learning and biomarker and genomic profiling, the collaboration between NeoGenomics and Massive Bio have achieved a significant milestone in the oncology industry.

“Our mission at Massive Bio is to provide cancer patients with the

best possible care and treatment options,” said Selin Kurnaz, CEO and co-founder of Massive Bio. “By partnering with NeoGenomics, a leading player in the cancer diagnostics industry that shares Massive Bio’s commitment to advancing cancer research and improving patient outcomes, we can leverage their expertise in oncology diagnostics to accelerate the identification of patients who may be eligible for clinical trials.”

“NeoGenomics’ advanced diagnostic tools and U.S. footprint, combined with Massive Bio’s AI capabilities and concierge services in oncology, will enable us to match patients to clinical trials faster and more efficiently, resulting in improved outcomes and reduced costs,” said Vishal Sikri, president of the Advanced Diagnostics Division of NeoGenomics. “We are thrilled to partner with Massive Bio to advance precision medicine and improve the delivery of healthcare services to patients, pharmaceutical partners, and healthcare providers.”

Dr. Arturo Loaiza-Bonilla, cofounder and chief medical officer of Massive Bio, added, “This collaboration between NeoGenomics and Massive Bio will enable us to provide patients with personalized care and support throughout their cancer journey, and move the needle forward in precision oncology and research.”

Healthcare Network helps businesses provide benefits to retain their workforce and ensure professional wellness.

Columnist

TD Bank donates $150,000 to SBDC at FGCU after Hurricane Ian

TD Bank has generously donated $150,000 to the Small Business Development Center at Florida Gulf Coast University to provide technical assistance to area small businesses to help them recover from Hurricane Ian. The contribution will greatly assist the SBDC at FGCU in its mission to help local small businesses grow and succeed.

“We are incredibly grateful for the support of the TD Bank,” said Dorian Zwierewicz, regional director of the SBDC at FGCU. “This donation will make a significant impact in our community, helping us to support small businesses affected by

AWARDS PAGE 1

Nominees include: Malike Adigun, Curate Entertainment; Jennifer Alvarez Linguidi, Purely You By Jenn (DBA: Purely You Spa); Craig Bamberg, Platinum Dry Cleaners (Imperium Fabricare); Jeffrey Bonk, Architectural Metal Flashings; Kyle Cebull, Millennial Brewing Company; Jocelyne Clarke, K & E Medical Training Center; Sharetha Davis, Roses From Concrete Public Relations; Zachary England, ARK Eco Construction & Roofing; Susan Frantz, Frantz Marketing Solutions; RaSheka Fuller, Career Clinic; Jaron Henkel, Southwest Florida Electric; Glynis Jackson, Glynis Jackson Large Family Childcare Home; Jennifer Johnson, True Fashionistas; Harrison Kendall, SDVOS Laboratory | LabTECH Environment; Nazhae Lockwood, N.Y.A.Beauty; Suzanne Noriega, Inceptus; P. Blake Renda, Veedor Holdings/SrL; Louis Rosmy, Peyko LLC DBA Peyko Venue; Jaren Skinner, KayFi Holdings, DBA

For more business news, visit www.swfloridabusinesstoday.com

Hurricane Ian and provide essential technical assistance and training opportunities to help them recover and thrive. We are honored to partner with TD in this effort.”

The SBDC at FGCU is a member of the Florida SBDC Network, a statewide partnership between higher education and economic development organizations dedicated to providing emerging and

Island Rides; Farrah Sturgis, KNK Exclusive Hair & Styles; Gary Tasman, Cushman & Wakefield Commercial Property Southwest Florida (CPSWFL); Charlene Towe, Studio 4:13; Shalonda Washington, Reliable Permitting BSS; Rob Whyte, Fort Myers Brewing Company; and Jaime Zabala, Advanced Hurricane Technology.

This year’s judges are: Timothy J. Cartwright, of Compass Advisory Group and Fifth Avenue Advisors; Donna Flammang, of Brennan, Manna & Diamond; Bill Daubmann, of My Shower Door/D3 Glass; and Michael Peterman, of Veradata.

Previous winners of the three awards include Norman Love of Norman Love Confections, Pam Oakes of Pam’s Motor City, Felix Lluberes of Position Logic, Gary K. Mart of Global Tech LED, Chris Spiro of Spiro and Associates, Dr. Aurora Badia of Florida Skin Center, Scott Fischer of Scott Fischer Enterprises, Ryan Carter of Scotlynn Transport, Daubmann, and Peterman.

established businesses with confidential, no-cost consulting and resources to help them grow and succeed. The SBDC at FGCU has served Southwest Florida businesses in Charlotte, Lee, Collier, Hendry and Glades counties since its inception in 1997.

TD Bank is proud to stand with SBDC at FGCU as they work to assist small businesses in the recovery effort following Hurricane Ian,” said Nick Miceli, Metro Florida, TD Bank regional president. “We know that small businesses are the backbone of our communities and we are committed to helping them achieve economic success.”

Due diligence when buying a business

QUESTION: I am considering the purchase of a local insurance agency. In addition to financial records, what else should I request from the owners?

ANSWER: The purchase of any business requires you thoroughly investigate all aspects of the entity in question.

This is particularly important when buying a service business like an insurance agency.

Outside of the physical assets, the primary value of the agency is an intangible known as goodwill. The goodwill I am referring to is its customer base.

To begin you should develop a due diligence checklist as follows:

• Request and verify financial data: This includes tax returns for three years, cash flow, balance sheets, profit and loss statements, accounts payable and aged accounts receivables. Also, any outstanding loans or debts that creditors may have a lien against.

• Inspect the physical assets: These may include the building, furniture, fixtures, equipment, computer hardware and software systems.

• Review contracts with insurance carriers: Is the agency in good standing with the companies it represents and will those companies continue the relationship under new ownership?

• Review employee contracts and independent contractor agreements: Do these include vested profit sharing, 401(k) plans and life and health insurance?

• Review and verify key employee information: Determine who they are and the duties they are responsible for. Is there a lot of attrition, or have they been with the company for five or more years? Will they remain under new ownership?

• Review and verify all customer information: Of particular importance, who are the key customers and what percentage of total premium volume do they constitute? Be wary if a large

BY GRAY POEHLER Guest Clumnist

percentage is attributed to a few customers. Also, what is the attrition or retention rate of customers over the latest three-year period.

• Check for legal issues: Is there any ongoing or pending litigation, and does the company have proper insurance in place?

• Verify the entity status: Is the business an individual, partnership, corporation or limited liability company? If a corporation or LLC, it’s better to buy just the assets. If you buy the entity, you are also assuming its liabilities and obligations.

• Be prepared to sign a confidentiality agreement where you agree to use the information requested only to assess the strength of the business. Make sure the agreement lets you share the information with your lawyer and accountant.

• If, in the final analysis, you decide to buy the business, try to pay for it on an earn-out basis. Offer a down payment of 20% with the balance to be paid monthly or quarterly over a period of three to five years, as a percentage of earned commissions.

While this article refers to an insurance agency acquisition, the checklist is applicable to any business. Your attorney and accountant may have additional suggestions you should consider before making a final decision.

Gray Poehler is a volunteer with SCORE Naples. Business counseling on this and other business matters is available, without charge, from the Naples Chapter of SCORE. Call (239) 430-0081 or visit https://naples.score. org/mentors.

Green Check Verified adds new wave of partners to Cannabis Services Marketplace

Green Check Verified, a leading fintech provider of compliant cannabis banking solutions and services, announced the expansion of its marketplace to include new providers in business categories, including banking, lending, insurance, human resources, payroll and payments. The providers were identified, vetted and verified for reliability, cannabis-friendly practices and cost-effective services.

Limited financial and business service options and exploitative pricing have plagued the legal cannabis industry since its inception. While competition among cannabis operators has increased in recent years — driving down prices and increasing need for efficiency and differentiation — so has the number of providers stepping up to assist these businesses.

GCV in January launched its longanticipated marketplace, a centralized platform where cannabis businesses

can find financial and business products needed to grow operations. With early adopters in place, GCV is expanding the number of marketplace partners to provide as many options as possible for the 4,500 cannabis businesses currently utilizing the platform.

“Green Check has access to a vast network of cannabis-related businesses from across the country, and we are thrilled to be able to offer our services to this network as part of our participation in the marketplace,” said David Drescher, managing director of HUB International, a North American insurance brokerage firm.

“At HUB, we possess deep expertise and represent a broad product line in the cannabis space, and this new endeavor with GCV gives us the ability to greatly expand our reach to these businesses.”

The platform’s intelligent matching technology presents options to canna-

bis businesses based on product/service fit, location, price and other factors based on provider data and Green Check’s insights engine. Key marketplace participants include financial institutions from across the country as well as the following:

• Lending Providers: Chicago Atlantic and FundCanna

• HR/Payroll: Green Leaf Business Solutions and Gusto

• Insurance: AlphaRoot, HUB International and NFP

• Merchant Payments/ Pin Debit: Bankcard International Group and Paynetworx

“The cannabis industry represents an exciting vertical for the important services we offer to small and midsized business types,” said Sonya Jamula, vice president of Channel Development for Gusto, a payroll, benefits and human resource management software company.

“The payments space in cannabis has had a lot of non-compliant solutions presented to them, which has been a roller coaster ride for merchants. We are happy to be part of the marketplace to offer a compliant solutions for today and the future when laws change,” said Trent Voigt, CEO of PayNetWorx, a global payments processor. “This marketplace is adding visibility into these options, and we are excited to put our solutions in front of the thousands of businesses on the Green Check platform.”

The expansion of Green Check Connect follows a flurry of announcements from the company, including a $6-million Series A earlier this year, as well as the release of several new product offerings. It has been repeatedly recognized as Top Compliance Company and Top Compliance Leader at the PBC Awards, the premier cannabis industry honors.

Kerrigan Advisors represents Estero Bay Chevrolet in sale to Group 1

Kerrigan Advisors, a sell-side advisor and thought partner to auto dealers nationwide, represented the Winton and Denson families in the sale of Estero Bay Chevrolet to Group 1 Automotive. Estero Bay Chevrolet is the top volume Chevrolet dealership in Southwest Florida, Florida’s second fastest growing region by population growth. With the completion of this transaction, Kerrigan Advisors has successfully advised on the sale of 14 Florida franchises since 2019, making the firm the most active auto dealership sell-side advisor in the state.

In 2007, Charles Winton and his partner, Pat Denson, were selected by General Motors to open Estero Bay Chevrolet in Southwest Florida, one of the most attractive markets in the U.S. As a result of their leadership, Estero Bay Chevrolet became one of

the highest volume dealerships in the area, winning numerous awards from GM and the industry. Estero Bay Chevrolet ranks sixth in the state and 44th in the nation (top 1.5%) by Chevrolet new unit sales. The dealership has won the Chevrolet Dealer of the Year award every year since 2018.

“Representing Charles Winton and Pat Denson in this transaction was a true honor for me and my team. Estero Bay is not only an incredibly valuable dealership, it also represents Charles and Pat’s commitment to excellence and investment in their community. Estero’s success is a product of their honorable character and exceptional leadership of their employees and service to their customers,” said Erin Kerrigan, managing director of Kerrigan Advisors.

“Demand for proven, successful dealerships re-

mains strong nationwide, and Estero Bay Chevrolet is a paragon of success in a premier auto sales region: Florida is the top auto retail market, and one of the most attractive states to do business. Charles and Pat built an incredible legacy of success and community service at Estero Bay Chevrolet, and it was a privilege to advise them on this transaction.”

“We were very happy to be represented by Kerrigan Advisors, a firm that clearly shared – and respected – Pat and I’s commitment to performance and professionalism,” said Winton.

Stephen Dietrich of Holland & Knight served as legal counsel to the seller. Buddy Dearman and Thomas England of FORVIS served as the seller’s accountants. Brian Nolen of Nolen PLLC served as legal counsel to the buyer.

“A Loan Can Endless Possibilities Including a Better Way of Spark Doing Business.”

Like Thomas Edison, we believe there is always “a better way.” To our relationship-focused lenders, that means being attentive, invested and involved as we provide the financial resources necessary to empower our community’s small business leaders to reach their goals. Our Bauer Financial 5-Star Superior Rating indicates we are one of the strongest, most dependable and financially sound banking institutions in the nation. We’re Standing Strong with Money to Lend.

Edison National Bank/Bank of the Islands customers enjoy:

• streamlined processing for all loans including commercial and residential mortgage loans

• free online and mobile banking

• no-fee access to their account funds at any Publix® Presto! ATM

• free bill pay services for personal account holders

• courier and cash management services for business clients

Greg Blurton, Vice President Sr. Commercial Loan Officer