RUNAWAY TO A NEW CAREER
RESOURCES & STRATEGIES
TRANSITION
How to Translate Your Experiences From Combat to Corporate
Finding Purpose After Service
Patriots to Education:
Building Pathways for Veterans
A Legacy of Connection: One Veteran’s Crusade to Save Others From Suicide SUPPORT-Resources
Be a part of a Hero’s Journey! We provide therapeutic support to veterans and their families through outdoor adventures in the rugged beauty of Alaska.
About Alaska Adventure Project:
Founded in 2017 by U.S. Marine Combat Veteran and Native Alaskan William Boulton. Alaska Adventure Project (AAP) is a 501c3 non-profit dedicated to supporting military veterans and their families.
Our Adventure program entails:
• Therapeutic support for veterans and their families suffering with PTSD and TBI.
• Veterans helping veterans through shared experiences.
• Outdoor activities provide atmosphere’s of reflection, discovery, meaning of service, camaraderie,
• New network of resources, a new extended family, connecting veterans with veterans, establish lifelong bonds, and promote healing.
Dreaming of a new kitchen or need a new roof? Navy Federal home equity loans offer:
flexibility—Fixed-Rate Equity Loan¹ or Home Equity Line of Credit options² savings—$0 application and origination fees, and $0 closing costs— saving you hundreds opportunities—pay for a large expense or consolidate high-interest debt • • • navyfederal.org/equity
Explore your options at navyfederal.org/equity
Navy Federal is federally insured by NCUA.
¹Home Equity Loans are fixed-rate loans. Rates are as low as 7.340% APR and are based on an evaluation of credit history, CLTV (combined loan-to-value) ratio, loan amount, and occupancy, so your rate may differ. A sample Fixed-Rate Equity Loan monthly payment based on $100,000 at 7.650% APR for 20 years is $814.79. Taxes and insurance not included; therefore, the actual payment obligation will be greater. Navy Federal will pay for all closing costs on new Fixed-Rate Equity Loan applications dated on or after 6/1/23. Covered closing costs include lender fees and fees paid to third parties, such as settlement fees, credit reports, flood determinations, property valuations (including appraisals, if required), title searches, lender’s title insurance, recording, mortgage transfer taxes, and government charges. For loan amounts of up to $250,000, closing costs that members may pay typically range between $300 and $2,000. The member is responsible for escrow payments and/or prepaid costs, if required, including property taxes and assessments, homeowners’ and flood insurance premiums, association fees/dues and assessments, and prepaid interest. You must carry homeowners’ insurance on the property that secures this plan. All loans subject to approval. Offer is subject to change or cancellation without notice. 2Home Equity Lines of Credit (HELOC) are variable-rate lines. Rates are as low as 7.750% APR and 8.750% for Interest-Only Home Equity Lines of Credit and are based on an evaluation of credit history, CLTV (combined loan-to-value) ratio, line amount, and occupancy, so your rate may differ. HELOC has a minimum APR of 3.99% and a maximum APR of 18%. Members who choose to proceed with an Interest-Only HELOC may experience significant monthly payment increases when the line of credit enters the repayment phase. Navy Federal will pay for all closing costs on HELOC applications dated on or after 6/3/24. Covered closing costs paid to third parties include settlement fees, credit reports, flood determinations, property valuations (including appraisals, if required), title searches, lender’s title insurance, recording, and government charges. The member is responsible for prepaid interest and escrow payments for first lien HELOCs. Member must carry homeowners’ insurance on the property that secures the HELOC. For loan amounts up to $250,000, closing costs typically range between $300 and $2,000. Applications for a HELOC include a request for a HELOC Platinum Credit Card. All loans subject to approval. Offer is subject to change or cancellation without notice. Rates are subject to change. HELOC loans are not available in Texas. © 2025 Navy Federal NFCU 14215 (7-25)
Publisher
Editor-In-Chief
Mike Miller
Monthly Columns
What’s Next Transition
Eve Nasby
Human Resources
Paul Falcone
Franchise Dreams
Doug Dwyer
Successful Transitioning Stories
Homeland is a veteran-focused magazine throughout the country. It serves to assist all veterans, active military as well as their spouses and families.
It’s the leading veterans magazine emphasizing resources, support and focusing on topics and issues facing today’s veteran community. Homeland focuses on resources, support, community, transition, mental health and inspiration for our veterans, & military personnel.
The content is the driving force behind our magazine and the connection it makes with our veterans, service members, military families, and civilians.
The magazine is supported by a distinguishing list of veteran organizations & members, resource centers, coalitions, veteran advocates, and more.
We are honored to share the work of so many committed and thoughtful people.
Despite all the challenges, our team has upheld their focus and let not one opportunity go to provide resources and support to our veterans & military personnel.
On behalf of our team, we wanted to take this moment to say THANK YOU to the readers and the military and veteran community for supporting our magazine. With that support we aim to make a difference and continuing to make a profound impact on the quality of life for our veterans, military personnel and their families.
If you want to catch up on the current and all past issues please visit: www.homelandmagazine.com/archives
Mike Miller
Editor-In-Chief
mikemiller@homelandmagazine.com www.homelandmagazine.com
Dr. Julie Ducharme
Veterans in Business
Barbara Eldridge
Risky Business
Hadley Wood
Real Talk: Mental Health
Hope Phifer
PTSD: Reclaiming Control
Robert ‘Bob’ Cuyler, PhD
Legal Eagle
Kelly Bagla, Esq.
Veterans Chamber Commerce
Joe Molina
Contributing Writers
Wounded Warrior Project
Disabled American Veterans
(In-House) Correspondents
Holly Shaffner
CJ Machado
Lori Noonan
Homeland Magazine 9528 Miramar Road, #41 San Diego, CA 92126 (858) 275-4281
mikemiller@homelandmagazine.com
Homeland
Post Traumatic Stress Disorder does not always allow the affected to seek help. Lend a hand and provide them with methods of help, listen and be a friend.
Homeland Magazine works with nonprofit veteran organizations that help more than one million veterans in life-changing ways each year.
At Homeland Magazine you can visit our website for all current and past articles relating to PTSD, symptoms, resources and real stories of inspiration.
Resources & Articles available at:
E S O U R C E S homelandmagazine.com/category/fighting-ptsd
By Cynthia N. Weiss, Wounded Warrior Project
Like many others, Jacob Norotsky’s journey into the military stemmed from a desire to serve and protect. But it was losing his father and fellow post-9/11 veterans to suicide that led to his current mission. Through an initiative he calls “Challenge 3 Up, 3 Down,” Jake connects his brothers and sisters-in-arms to form a support network that ensures they always have someone to turn to in hopes of preventing suicide.
Jake grew up admiring his father, a Baptist minister and Air Force veteran. His father was his hero. Tragically, when Jake was 14, his father died by suicide. This event profoundly impacted Jake, shaping his future and desire to help others.
“I realized I needed to pick up the mantle he put down.”
An avid musician, Jake joined the Pennsylvania Army National Guard, thinking he would be part of the military band. Four weeks into basic training, the attacks
on Sept. 11 occurred. Jake moved to active duty soon after and deployed first to Germany and then Iraq, where he experienced the harsh realities of war.
“My first night, I’m walking by a hangar, and I trip. I look down and see a red shoe with only a foot sticking out the top. ‘Welcome to war,’ I think. To this day, it’s as vivid a memory as my son’s graduation.”
In Iraq, Jake was part of a helicopter crew, flying several hundred missions and witnessing the chaos of combat.
One of his jobs was transporting those who were wounded or who died in combat. “I wasn’t a trained medic, but you just do what needs to be done,” Jake said, relaying a story about a flight to retrieve a soldier’s leg. “Everything comes home.”
The experiences left a lasting mark on him, both mentally and emotionally. “You’re seeing the worst of the worst, and you don’t know it at the time, but you’re being influenced by things that begin to imprint on the mind.”
When he finally came home, Jake said the adjustment to civilian life was difficult.
“I started to struggle because that stuff came with me. Your brain is wired for what you’ve seen, so my adrenaline was always on. Every trash can was a potential threat. I was looking for a gunner, for the enemy … because that is what I was used to looking for,” he explained.
Jake tried to fill the void with jobs requiring hyperawareness, becoming a flight instructor, a high school aviation studies teacher, and a football coach. However, he couldn’t escape the memories of war.
“I started thinking the world would be a better place without me.”
The Department of Veteran Affairs (VA) estimates we lose 17 veterans each day to suicide in the U.S. In its most recent Warrior Survey*, Wounded Warrior Project® (WWP) found that of the post-9/11 warriors surveyed, half said they had suicidal thoughts at some point in the past, with more than 1 in 4 warriors saying they thought about suicide within the last year.
Two weeks before the anniversary of his dad’s death, while at a funeral for a fellow soldier who had died by suicide, Jake realized he had to act.
“I was watching them put another brother in the ground, thinking I knew from experience what they were feeling. And at that moment, something came to me, a higher power, my God … telling me I was next.”
After the services, Jake drove through the night from St. Louis back home to Alabama. “I realized it was time for me to fight for myself,” he said. “I went straight to the VA. And I remember walking in and saying, ‘I need to talk to someone right now, and I’m not leaving here until I do.’”
Jake became involved with WWP™ in 2017, attending several events, including Project Odyssey®, an adventure-based learning program for warriors trying to manage post-traumatic stress disorder (PTSD), anxiety, and depression. However, like many other veterans, Jake said he had much to overcome.
“I was still stuck, facing challenges. But Wounded Warrior Project was always there, checking on me, encouraging me.”
Jake began regular counseling to address his PTSD and strengthened his connections with his church and community. He also maintained ties to WWP, occasionally participating in alumni events. Little did he realize how his connection to the organization would open the door to a new career – and a new mission.
In 2022, Jake joined the Warriors Speak team, a group of veterans and caregivers who travel the country sharing WWP’s mission to honor and empower wounded warriors.
Jake, who always talked about the impact veteran suicide has had on his life, kept contemplating how he could change things.
“Statistically, an entire battalion of soldiers was dying every month. I kept thinking and asking myself how we could fix this to prevent more lives from being lost.”
One day, in 2023, he found an answer. “We’ve got to stay connected and do life together.”
The concept is simple yet powerful – to prevent suicide by helping veterans stay connected so no one feels isolated or alone.
“Each person identifies three people they will commit to check on at least every 48 hours, while three others commit to checking in on them, building authentic relationships, and a solid support structure they all can rely on,” explained Jake.
The idea, he said, came to him after realizing that there were warriors he spoke to daily, whether by phone or text.
“We’re connected, and we look out for each other. I know that if anything happens with me and I start to pull away, they will see it and be there to help me. On the flip side, it’s super important to me to be looking out for others.”
Realizing that today’s technology makes staying in contact easy, Jake began sharing about Challenge 3 Up, 3 Down at the end of his Wounded Warrior Project speaking engagements. He now encourages others to join him in forming their own connections.
Leaving a Legacy
Jake’s initiative is not just about preventing suicide. “It’s about helping veterans understand that you are never truly alone, even in the darkest times. Your brothers and sisters are there right beside you.”
By raising awareness for suicide prevention and helping others find their connections, Jake aims to leave a legacy that will leave a lasting impact on other veterans and their families.
“Life is a journey that leads you to your legacy. My goal is to still serve and help people. I don’t have a million dollars, but I do have a cell phone. It’s easy for me to call or text and check in on others,” he said.
“By being present and involved in each other’s lives, we can hopefully recognize when someone is struggling and offer support before it’s too late.”
*Warrior Survey, Wave 2 (conducted June 15-Aug. 24, 2022)
If you, or someone you know, needs support, you can call, text, or chat with the National Suicide Prevention Lifeline.
Call 988 or contact the Crisis Text Line by texting “TALK” to 741741
To learn more, visit woundedwarriorproject.org or call 888.ALUM (997.2586) to connect with the WWP Resource Center.
Giselle Vallejo, LPCC, NCC
The Steven A. Cohen Military Family Clinics at VVSD www.cohenveteransnetwork.org
The word depression can sometimes feel heavy or even scary. The truth is, depression can affect almost anyone and the military community experiences it in unique ways. It can impact service members, veterans, and even ripple out to family members.
This Depression Awareness Month, we want to share helpful information about what depression looks like, how it can show up in military and veteran families, and where you can find support.
Depression is more than feeling sad or discouraged after a tough day. It’s a medical condition that can affect how you think, feel, and function.
Common symptoms include:
• Persistent sadness, hopelessness, or emptiness.
• Irritability, frustration, or anger.
• Loss of interest in activities once enjoyed.
• Changes in sleep or appetite.
• Fatigue or low energy.
• Difficulty concentrating or making decisions.
• Thoughts of death or suicide.
In the military community, depression may also show up as:
• Drinking more alcohol or using other substances.
• Pulling away from your unit, friends, or family.
• Struggling at work or during reintegration after deployment.
• Feeling unsure about your purpose or identity after leaving service.
Depression doesn’t only affect the individual, it impactsspouses, partners, children, and caregivers.
• Spouses/Partners: May feel the strain of extra responsibilities, isolation, or worry about their loved one’s safety.
• Children: Might notice changes in mood or behavior and sometimes blame themselves for a parent’s sadness.
• Caregivers: Often experience stress, burnout, or even depression themselves while supporting someone else.
Family support is critical in recovery. When depression is recognized early and families are included in treatment, outcomes improve significantly.
With the support of professional help, depression can be managed effectively. Evidence-based therapies like Cognitive Behavioral Therapy (CBT), medication, or a combination of both are highly effective. Peer support, lifestyle changes, and family involvement further strengthen recovery.
At The Steven A. Cohen Military Family Clinics at VVSD, which is part of Cohen Veterans Network (CVN), we provide care that is accessible, inclusive, comprehensive, and affordable.
We offer in-person or telehealth options, we serve post-9/11 veterans, current service members (including Guard and Reserves), and their families, we provide Individual, couples, family, and child therapy, and insurance is accepted, but no one is turned away due to inability to pay.
Just as you get an annual physical, schedule a mental health check-in. Even if you’re not in crisis, knowing your baseline helps.
Recognize symptoms of depression in yourself and loved ones. If you notice changes, don’t wait, reach out.
Normalize talking about feelings at home. Children and spouses benefit when open conversations about stress and emotions are part of family life.
Contact the Cohen Clinics at VVSD or another clinic within Cohen Veterans Network to explore services, ask questions, or schedule an appointment.
You can also utilize free online tools like CVN’s Tools for Stress & Worry:
cohenveteransnetwork.org/tools-for-stress-and-worry Depression can affect anyone, but no one has to face it alone. By understanding how it impacts veterans, service members, and their families, we can break the silence and open the door to healing. Strength is seeking help. This Depression Awareness Month, take one step toward caring for yourself, your family, or a fellow veteran.
By: Robert ‘Bob’ Cuyler, PhD Psychologist and Trauma Expert
Maybe I should be reading more journals and professional books in my evenings, but I have to confess it’s streaming series, movies, and suspense novels I turn to for my nightly entertainment. A while ago it began to register how often trauma and PTSD are used as key plot devices. This seems to have replaced the ‘one last job’ for the assassin or robber as the go-to theme. Just the other night, I started to watch “The Pitt” and in the first episode we have Dr. Robby having a near hallucinatory flashback of the emergency room in full COVID spacesuits, clearly connected to the death of his mentor. It’s interesting that in the midst of this compelling medical drama, we have a trauma theme playing a key role in the life and identity of the series hero.
I have complicated reactions to this trend in mass media entertainment. On the one hand, PTSD is seen as a civilian as well as a military condition. The story line in “The Pitt” portrays an important fact that even accomplished, smart people like Dr. Robby are not immune from PTSD. It’s important to recognize that trauma can take many forms, and the recognition of trauma in medical settings seemed to be a new understanding during the pandemic, affecting patients as well as caregivers.
The recognition extends to how trauma can change a life, and that unexpected event can have huge impact. This expanded recognition can help some feel less isolated, that their experience is shared by many others, and hopefully that individuals will turn that greater awareness into steps, including therapy, to challenge the symptoms that are distorting their lives.
On the other hand, the focus on trauma in media, social media, series, movies and novels creates a risk that the boundaries of trauma impact are being stretched. The vigorous debates about ADHD and autism spectrum more and more center around the risk of “medicalizing” the human condition, blurring the distinction between formal diagnoses with a strong evidence base and the range of normal human behavior. As I’ve pointed out in previous columns, only about 20% of people develop PTSD after experiencing significant trauma, clearly pointing to the capacity for resilience.
Another aspect of portrayal of PTSD is that the presence of the key symptoms of the condition come to define the individual’s identity, almost as though a ‘person with PTSD’ morphs into ‘PTSD with a person attached.’ The complaint of ‘being triggered’ is also ubiquitous, and it’s often unclear whether triggered means being bothered or offended by the words or behaviors of others or our more narrow use of the term in clinical work.
What we know best about recovery is that it’s a process, with hard and challenging work ahead. Challenging avoided situations, developing and strengthening selfmanagement skills, reducing isolation by growing your connection to others, remaining solidly aware that ‘you are not your symptoms’ - these are some of the key ingredients in the path to growth and relief.
Dr. Cuyler is chief clinical officer of Freespira, an FDA-cleared non-medication treatment that helps people with panic and PTSD manage their symptoms by learning how to regulate their breathing. www.freespira.com
— Barry C., 58 year old Veteran
By Lori Noonan, US Navy Veteran, CEO of Capacity Builders and In-House Contributor of Homeland Magazine and San Diego Magazine
I still remember the day I opened the mailbox and saw the envelope from the Department of Veterans Affairs. Like most veterans, I’d gotten used to the steady stream of paperwork—forms, notices, information I didn’t quite know how to navigate. But this envelope was different. Inside was a check, larger than anything I ever expected, representing decades of benefits I had earned but had never thought I’d see.
For years—decades, really—I assumed that the process to apply for VA benefits was too complicated, too timeconsuming, or that my service simply didn’t “qualify” for meaningful support. I convinced myself I’d missed the window, that benefits were for those who filed immediately after discharge. Like many of my fellow veterans, I focused on building a civilian life and didn’t think I had the time or patience to engage with what I believed was a daunting bureaucracy.
Looking back, I realize how common that hesitation is. So many veterans believe the system won’t work for them, that the effort won’t be worth it, or that it’s simply too late. But that check in the mail proved me wrong in the most life-changing way.
Overcoming Doubt
I wasn’t confident when I finally decided to file a claim. In fact, I was skeptical. A friend had encouraged me to give it a shot, reminding me that the benefits I was pursuing weren’t a “handout”—they were earned. Our service, our sacrifices, entitle us to support, whether it’s health care, compensation for service-connected conditions, or other forms of assistance.
The process wasn’t easy, but it was manageable, especially once I had help. I gathered medical records, service documents, and filled out what felt like endless forms. There were moments when I doubted it was worth it. I told myself, “They’ll probably deny it anyway.” But here’s the truth: persistence pays off. The system exists for veterans, and while it can feel intimidating, it works—especially if you have the right guidance.
The Day Everything Changed
That check in the mailbox wasn’t just money. It was validation. It was the government recognizing my service and acknowledging the toll it had taken on me. It meant I could breathe a little easier, cover expenses I’d been worrying about, and know that I hadn’t been forgotten.
It also made me realize how many veterans might be living without the benefits they’ve earned, simply because they assume it’s too late. If that’s you, let me be the one to tell you: it is never too late.
I didn’t walk this journey alone. Organizations like Veterans Voice of America (VVOA) exist to help veterans like me—and like you—navigate the benefits process. VVOA and similar groups provide education, advocacy, and one-on-one support. They know the system, they know the paperwork, and they know the barriers that stop so many of us from even applying.
Having an advocate makes all the difference. Instead of feeling like you’re up against a wall of red tape, you have someone on your side who understands the process and can help make sure you don’t miss out on what you’ve earned.
If I could sit down with every veteran who’s hesitating to apply for benefits, here’s what I’d say:
1. It’s never too late. Whether you separated last year or 40 years ago, you may still be eligible. Don’t count yourself out.
2. Benefits are earned, not given. These programs exist because of your service. You don’t need to “deserve” them beyond what you already gave when you served.
3. Get help. Organizations like Veterans Voice of America are here to walk you through the process. You don’t have to figure it out alone.
4. Persistence pays off. The system can feel overwhelming, but with determination and the right support, you can succeed.
For me, accessing my VA benefits decades after service was transformative. The financial relief was critical, but the sense of recognition mattered even more. It reminded me that my service still counts, that I am not invisible, and that the promises made to me as a veteran still stand.
If you’ve been putting it off—if you’ve told yourself it’s not worth it or that the time has passed—please take this to heart. File the claim. Reach out for help. Advocate for yourself, and let organizations like Veterans Voice of America advocate for you.
One day, you might open your mailbox and feel the same incredible relief I did. And you’ll realize that it truly is never too late.To learn more about Veterans Voice of America, visit VeteransVoice.org.
Science-backed therapies are strengthening brain health, offering hope for those who’ve served.
By Dr. Amber Deckard, PsyD
Military life brings experiences and traumas that are unlike any other. For some, military training or operational demands result in traumatic brain injuries. For others, the trauma is related to prolonged hypervigilance or the psychological toll of combat. As a Marine veteran working in trauma-informed care, I also see the effects of moving from deployment to home life.
These stressors often present themselves in veterans through a combination of cognitive, emotional, and physical factors. If you only treat what you can see, though, you cannot achieve lasting recovery. Just like an arborist knows that caring for the leaves and branches won’t help a tree flourish unless the roots are also tended to, patients must first work with clinicians on healing what lies beneath the surface.
These programs use tools to identify the causes of issues beyond surface-level symptoms – such as neuroimaging, cognitive testing, and psychiatric evaluation – increasing insight into what truly drives a veteran’s struggles, allowing mental health professionals to treat causes, not just effects.
Neurorestorative care enriches the brain’s environment –the “soil” – to foster healing and growth. Clinicians tap into the brain’s capacity to rewire (neuroplasticity) and generate new cells (neurogenesis). Alongside neuro-focused treatments, it’s also important to support whole-person wellness through programing such as nutritional counseling, physical fitness, spiritual care, and medical and psychiatric monitoring.
Finally, progress must be tracked with repeated psychometric tests and follow-up neuroimaging. This “before and after” data helps clinicians see real changes in brain function, cognitive skills, and emotional wellness –objective evidence that the roots are getting stronger and the canopy is recovering.
Among the Veterans seen in our Neurocognitive Assessment Program at Caron was a career service member in their mid-60s, whose history reflected decades of repeated combat deployments and longstanding polysubstance use.
Cognitive testing confirmed deficits in executive and motor functioning, and neuroimaging tools showed patterns consistent with the effects of trauma, substance use, and head injury. These findings were integrated into a care plan that included abstinence from substances, traumafocused psychotherapy, daily cognitive training, nutritional and exercise interventions, and neurorestorative therapies.
Over the course of treatment, progress was tracked showing significant gains across nearly every domain assessed. The Veteran reported reduced depression and anxiety, improved motivation, greater cognitive clarity, and the ability to apply new coping skills learned in therapy.
The need for root-level care becomes clear when we look at relapse statistics: nationally, 40–60% of individuals with substance use disorders relapse within one year. For veterans specifically, rates are even higher – one study found approximately 94% of veterans relapsed following discharge from outpatient or residential treatment.
In the end, taking care of the brain is taking care of the whole warrior.
Dr. Amber Deckard, PsyD is a Marine Corps Veteran and Director of NeuroPsychological Services & the Neurocognitive Assessment Program (NAP) at Caron Treatment Centers www.caron.org/our-team/dr-amber-deckard
- Patriots to Education: Building Pathways for Veterans
- Runway to a NEW Career
- Finding Purpose After Service
- Experiences from Combat to Corporate
- Transitioning into Management in the Private Sector
- Healthcare Careers: A Perfect Fit
- Business Opportunities with Low Investment
- Time to Re-Evaluate Your Financial Strategy
- E-Commerce Laws Affecting Online Businesses
- Overcoming the Roadblocks to Finding Employment
- Careers in Law Enforcement
For editorial & monthly columns regarding transition, career advice, tips, workshops, transition to education, entrepreneurship, straight-forward legal tips for military and veteran business owners and more, visit Veterans In Transition.
www.homelandmagazine.com/category/veterans-in-transition
Earn Your Degree Anytime, Anywhere. Flexible, Affordable, and 100% Online!*
Military life comes with constant changes—deployments, PCS moves, and unpredictable schedules. But your education doesn’t have to wait. At Los Angeles Pacific University, we understand the unique challenges military members, spouses, veterans, and dependents face. That’s why our fully online programs offer the flexibility you need to study at your own pace, no matter where life takes you. Whether you’re on base, deployed overseas, or at home, your degree moves with you!
• 100% Online & Flexible: Learn from anywhere, on a schedule that fits your life.
• Maximize Your Benefits: Use GI Bill®, tuition assistance, and spousal benefits.
• Earn Credit for Your Experience: Take advantage of CLEP, DSST (DANTES), and AARTS/JST to turn your military training and knowledge into college credit.
• Fully Accredited: LAPU offers fully accredited associate, bachelor’s, and master’s degrees through the WASC Senior College and University Commission (WSCUC).
• Faith-Based & Supportive: Dedicated military-friendly success coaches who care about your journey.
Your Future Starts Today! Take the Next Step
*At this time, LAPU is unable to offer distance programs or courses to students residing in the following states and districts: Alabama, Arkansas, Connecticut, the District of Columbia, Indiana, Kansas, Maryland, Minnesota, New Mexico, New York, North Carolina, Oregon, Wisconsin, and Wyoming.
Military Friendly School & Spouse School
By Dr. George Ann Rice Patriots to Education
Patriots to Education continues its mission to connect Veterans, National Guard members, Reservists, and military spouses with meaningful second-career opportunities in public education. Across the states where we are active—California, Florida, Texas, Nevada, and now Nebraska—our work is focused on raising awareness of these opportunities and providing hands-on support as service members and their families transition into second careers in public education.
Our entry into Nebraska differed significantly from our approach in other states. Typically, our first point of contact is through school districts that partner with us to develop a model tailored to local needs. In Nebraska, however, we began by connecting directly with the Nebraska National Guard through a recommended contact. This early relationship was key: the Guard, along with associated organizations such as Work for Warriors and CareerSource, has been instrumental in advancing our efforts across multiple states.
The Recruiting and Retention Battalion of the Nebraska National Guard plays a central role. Recruiters across the state are responsible not only for enlisting but also for ensuring long-term retention. One proven strategy for retention is helping Guard members secure fulfilling weekday careers. A role in public education offers exactly that: meaningful work that strengthens communities and shapes the future. To support this, we are coordinating recruiting efforts at armories and through online webinars to reach Guardsmen and their families.
The Guard also facilitated connections with Nebraska state agencies that serve military-affiliated individuals, including Military and Veteran Affairs, Labor, Employment and Education. Each agency responded enthusiastically, offering resources and support to advance our mission. Examples of assistance given by these agencies include:
• Nebraska Department of Education has provided updated certification and licensure information, ensuring candidates understand the pathways to teaching.
• Department of Labor has offered access to apprenticeship programs and Workforce Development Boards, which provide specialized training for Veterans and spouses.
• Department of Military and Veteran Affairs receives each month from the US Department of Labor a list of those going through the Transition Assistance Program (TAP) which is required of every person leaving the service of all of those who intend to return to or relocate to the State. We hope to work with the Department to include in their communication with these transitioning service members and their spouses the opportunities available in Nebraska Public Education
Additionally, the Guard introduced us to leaders in local Chambers of Commerce across the state. These chambers often have dedicated veteran-focused groups, enabling us to reach military families who may not be directly engaged with state agencies. Through these connections, we were introduced to school districts eager to partner with us, as well as universities and community colleges willing to join the effort.
Nebraska’s single active-duty installation, Offutt Air Force Base, is another important partner. Traditionally, we collaborate with installation Support Squadrons and their Readiness Centers to engage those preparing for transition, spouses new to an installation, and Key Spouse groups. However, due to staffing challenges and budget cuts, the Offutt Readiness Center was unable to join this year. In their place, a representative of Employer Support of the Guard and Reserve (ESGR) volunteered to collaborate with us, ensuring we can still reach service members and families through alternative channels.
With these partnerships established, our next phase is strategy building. A series of virtual meetings will guide planning across three main partner groups:
• School District Partners will help determine the format and location of recruiting events, set timelines, establish follow-up responsibilities, and coordinate the creation of marketing materials.
• Outreach Partners will help plan logistics for event spaces, marketing distribution, and statewide promotion.
• University and Community College Partners will help decide how best to share certification information, participate in recruiting events, and provide venues for outreach when necessary.
• State Agencies will be asked to continue to assist Patriots to Education in making connections and to offer advice on even more effective ways to reach the Nebraska military community
These collaborative sessions will ensure that every partner’s expertise contributes to a strong, statewide initiative.
Patriots to Education: Building Pathways for Veterans For more information visit: patriotstoeducation.org
Finding a job in the civilian workplace may seem easy at first. After all, you have learned skills, practiced leadership and demonstrated initiative that will make you successful wherever you go.
The reality, though, is that it can be difficult. In fact, it can be downright depressing demotivating and you may feel totally disillusioned. We can help
In our Veterans In Transition archives you will find helpful and informative articles about what’s next in transition, veterans in business, career, advice, tips, workshops, transition to education, entrepreneurship, veteran franchises, legal tips & resources for veteran businesses and much more...
For assistance in your journey please visit: Homeland-Veterans-In-Transition homelandmagazine.com/category/veterans-in-transition
By Maurice D. Wilson, MCPO USN (Ret), President/Executive Director, NVTSI.org
When every young man and woman raises their right hand and takes the oath to serve, they are immediately sent through a deliberate, structured process—boot camp. The goal of boot camp is clear: transform civilians into soldiers, sailors, airmen, Marines, Guardians, and Coast Guardsmen capable of operating in the most demanding environments in the world Yet, when the uniform comes off and the service ends, there is no equivalent “reverse boot camp.” Veterans exit military life carrying the same discipline and resilience but often without the roadmap to translate those qualities into their next mission. Without a structured reintegration process, many uncertainties, disconnection, and what we call purpose anxiety.
3. Mindset – Must Change
4. HABE – The Maintainer
5. Self-Talk and Affirmations – The Programmer
6. Replacement Picture – Your New Identity
7. Live with Purpose on Purpose – The Next Mission
8. Human Agency – Your Built-In ChatGPT
9. Career DNA – Your Unique Blend of Skills, Values, and Experiences
Each of these helps veterans reclaim their identity, align with purpose, and thrive in civilian careers and communities.
Story 1: From Rank to Relevance
James, a retiring Navy Chief, spent over two decades leading sailors and managing complex operations. Yet as he prepared to transition, he struggled with identity: “Who am I without the anchors on my collar?”
This is where the STARR-REBOOT: Shore-Based Transition Assistance and Reintegration Readiness Orientation steps in. Conducted by National Veterans Transition Services, Inc. (NVTSI.org) in partnership with the San Diego Veterans Coalition and local military installations, STARR equips veterans, transitioning service members, and their families with the tools to thrive in civilian life. Much like boot camp builds a warrior, STARR builds a reintegrated veteran— ready for purpose-driven careers, families, and communities.
San Diego is home to more than 240,000 veterans and thousands of active-duty service members preparing to transition each year. While the military prepares us for war, few are adequately prepared for peace. National data shows that nearly 66% of transitioning service members leave the military without a civilian job, and more than half experience underemployment or identity struggles within the first year. The STARR Orientation addresses this head-on. It is a deliberate, evidencebased process that empowers participants to realign identity, mission, and purpose. It’s not about “what job can I get?”—it’s about who am I now, what do I bring, and what mission am I meant to pursue?
At the heart of STARR are nine powerful concepts that act as pillars of transformation.
1. Self-Awareness – The Military Construct
2. Systems Thinking – It’s All Connected
Through STARR, James confronted his military construct. He realized that while his rank defined his role in the Navy, his leadership, problem-solving, and mentoring abilities defined who he truly was. By crafting a replacement picture, he began to see himself as a mentor and trainer in the civilian workforce. Today, James works in workforce development, coaching young adults to build careers. His mission is clear: “I don’t just train workers. I train future leaders.”
Story 2: Rewriting the Inner Script
Maria, a Marine Corps veteran, entered the workshop overwhelmed by negative self-talk. After years of high-stakes deployments, she returned home feeling unworthy and uncertain. Her HABE—habits, attitudes, beliefs, expectations—kept her stuck in a cycle of doubt. STARR introduced Maria to affirmations and self-talk as tools of reprogramming. She learned to replace “I’m not qualified” with “I bring unique value.” She created a vision of herself as a project manager in the clean energy sector—an industry she was passionate about. Six months later, Maria is leading renewable energy initiatives in San Diego. Her words today?
“I stopped doubting myself and started living with purpose, on purpose.”
Story 3: Finding a New Mission in Community
David, an Army veteran, had a difficult time adapting to civilian life. He missed the camaraderie of his unit and felt isolated in his new community. In STARR, David discovered systems thinking—the idea that his life was interconnected and that he wasn’t meant to navigate it alone. He embraced his human agency and chose to
reinvest his leadership skills into community service. With his new career DNA in hand, David transitioned into nonprofit management, building programs for atrisk youth. He often shares with peers: “I didn’t lose my mission—I just reassigned it. Now, my battlefield is my community, and my weapon is mentorship.”
What makes STARR unique is its community-centered model. Delivered in partnership with the San Diego Veterans Coalition and supported by local military installations, the workshop ensures veterans are not left to figure transition out alone. Participants connect directly to community resources, employers, colleges, and peers who walk with them long after the workshop ends.
The result? Veterans who don’t just survive transition but thrive. They find careers that match their strengths, communities that welcome their leadership, and missions that give their post-service lives deep meaning.
Every veteran went through boot camp to prepare for service. Every veteran deserves a reintegration “boot camp” to prepare for civilian life. The STARR Community Reintegration Workshop is that process. San Diego is leading the way, but this model can—and must—be scaled nationwide. If you are a transitioning service member, veteran, or military spouse, don’t go it alone. Sign up for a STARR Orientation at NVTSI.org.
For employers, community leaders, and fellow veterans: join us in ensuring no one takes off the uniform without a roadmap to their next mission. Reintegration is not just about finding a job—it’s about reclaiming identity, purpose, and agency.
Because once a veteran finds their next mission, they don’t just change their life—they change the world around them.
By Eve Nasby eve@infused.work
Transitioning from the military will undoubtedly be one of your most challenging tasks. You may feel a myriad of emotions including confusion, humility, frustration, and satisfaction, all in the same day. This is normal. Mike Ragsdale a Navy Veteran, can relate. He says, “I’ve been there too, and will probably be there again at some point. You’re not the first to feel these things, and you definitely won’t be the last. While this doesn’t make it any easier, hopefully it provides comfort.”
The transition process can be confusing and bureaucratic, and it may not even seem fair. However, if you want to transition successfully, you need to understand the private sector and help them understand you. Nix the mindset of, “I don’t owe an explanation to someone who’s never served” or, “I don’t need to prove myself to anyone.” While it’s great to be proud, this mindset will not get you anywhere.
To make your journey smoother, Ragsdale offers three pieces of advice.
1. The private sector has no idea what you’ve done or what you’ve seen.
When you sit across from a recruiter or hiring manager from the private sector, it’s important to recognize that they probably won’t fully understand what you’ve been through. Maybe they read books or watched movies about the military, but they haven’t experienced what you have. They haven’t smelled cordite after a machine gun just cut loose on a target or flown into Ramadi on New Year’s Eve with tracer rounds flying up in the distance. The fine, talcum powder-like dirt that’s everywhere and the feeling of never being clean are things they haven’t had to deal with.
You’ve been through crazy experiences that they can’t completely comprehend, and that’s okay. Just don’t downplay what you’ve been through just because it’s hard to explain. It’s important to own your experiences and recognize that they’re a big deal, even if others don’t fully understand. This leads to his next point.
In the military, you’re taught to gut it out. You’ll figure it out on your own, right? If you ask for help, you’re weak. Flush this from your mentality. Ragsdale urges, “Ask for help. You don’t get bonus points for extra suffering. By doing this, you’re only hurting yourself. There are people out there who would absolutely love to help you figure this out. Trust me.”
Also, networking is not a scary word. There’s no need to suffer in silence when there are people who would be happy to lend a hand. It’s always beneficial to bounce ideas off of others and get their perspective, even if it feels like it might not lead anywhere.
Even when you don’t feel like having yet another conversation with someone, that may or may not go anywhere, DO IT! Because you never know when that will lead to your next “A-HA!” moment or your next opportunity. So, keep reaching out. And if someone doesn’t respond to your meeting request, it could be a red flag indicating what they’re like to work with, or suggest a negative culture. Don’t be afraid to keep asking for help and get as many perspectives as possible.
3. Get creative and translate your experience into the role you want at the company you want.
Unfortunately, companies don’t need someone who can kick doors down, interrogate a terrorist suspect, put a GBU-12 through the window of a house from 30,000 feet, or drive a Navy warship. While these are all incredible things, the companies you’re speaking with likely don’t need these skills. What they do need are the soft and hard skills that you possess that went into these feats, such as attention to detail, project/program management, operations, strategy development and implementation, influencing without authority, and leadership.
So, think about what you’ve done and how that translates into the role you are applying for at the company.
Here are some examples:
1. Let’s say you were a Marine Corps infantry NCO, and you were solely responsible for the care and the care and feeding of all your Marines. You had to man, train, equip, motivate, and mentor. This means you were like a COO running a small business unit! That’s how you translate your experience. You had to make sure everyone had everything they needed to successfully accomplish goals and objectives.
2. What if you were in Intelligence? You were surveying the battlefield to ascertain where the enemy was, what they looked like, and based on your findings, worked to determine attack strategy. This is sales and marketing! You’ve now translated your experience into relatable and desirable skills! Companies use these same concepts to “attack” their competition and increase their market share.
3. Were you in IT? Well, this one is pretty obvious. You’re valuable!
In closing, YOU GOT THIS! Trust your instincts, ask for help, and think! You’ve proven you’re successful in austere environments where the stakes don’t get much higher. If you’ve done it there, you can certainly do it when you’re talking to a hiring manager on a Zoom call in your bedroom with no one shooting at you.
Need help with your transition? Have questions? Link up with Eve on Linked In today www.linkedin.com/in/eve-nasby-given-hiring-expert
Finding a job in the civilian workplace may seem easy at first. After all, you have learned skills, practiced leadership and demonstrated initiative that will make you successful wherever you go.
The reality, though, is that it can be difficult. In fact, it can be downright depressing demotivating and you may feel totally disillusioned. We can help.
In our Veterans In Transition archives you will find helpful and informative articles about what’s next in transition, veterans in business, career, advice, tips, workshops, transition to education, entrepreneurship, veteran franchises, legal tips & resources for veteran businesses and much more...
For assistance in your journey please visit: HomelandMagazine-Veterans-In-Transition homelandmagazine.com/category/veterans-in-transition
By Paul Falcone PaulFalconeHR.com
Needless to say, the military and civilian sectors are different. Sometimes, those differences can feel worlds apart. And even if you’re technically skilled in a particular area or discipline, it doesn’t mean that performing the role for a private company will feel natural or lead to a smooth transition. Your best bet? Come to the table prepared to learn and adapt to new civilian norms. It’s not as hard as it sounds if you’re being your authentic self and looking to bring out the best in those who work for and with you.
Management and Leadership in the Private Sector Management and leadership are not the same thing. Management is about the position you hold, where you stand on the corporate totem pole, and how you “rank” relative to others in the organization. It assigns certain advantages but also obligations. Leadership, in comparison, isn’t tied to your rank or title—it’s about how you inspire and motivate those around you.
Always look to become a great leader. The management piece will take care of itself in terms of promotions over time. But coach yourself by asking, “Would I want to work for me? If the whole organization followed my lead (in terms of my role model behavior and conduct), would I be happy where I took it?” And simply practice what’s known as “servant” or selfless” leadership: putting others’ needs ahead of your own and expecting others to respond in kind. You’ll find that people will be drawn to you because of your selflessness, authenticity, and goodwill. Karma is real: what emanates from you returns to you. Simply “give away” what you believe are your greatest strengths and superpowers. That’s how you grow more leaders in turn.
Help those who report to you to understand what you truly value, including the importance of (healthy) vulnerability. For example, you might say, “Everyone, this role is new to me, this company is new to me, and the private sector itself is new to me. Don’t get me wrong: I have a lot of military experience in [XYZ],
which helped me qualify for this position. But I realize that my success will come through all of you, and my goal is to help you do your best work every day with peace of mind.”
“To the degree you’re comfortable, teach me. Teach one another. Help us all do our very best work by calling out and recognizing achievements and extraordinary effort. Let’s make sure to bring out the best in one another and have each other’s backs at all times. The one thing the military excels at is teaching you that no one gets left behind and that we’re all in this together. Those are my personal values, and I hope to live them every day in this new role. Likewise, I encourage you to share your values with me and the rest of the team over time so we can help you live your values at work as well.”
“Managers” tell people what to do. “Coaches” help them ask the right questions to determine what to do. It’s akin to giving someone a fish versus teaching them to fish. Hold weekly one-on-one meetings with your “direct reports” and with your entire team where everyone gets a chance to discuss the challenges they’re facing, the successes they’ve achieved, and the areas where they’ll need further support from their peers.
Rather than “telling” people what to do in every situation, ask questions like: “Tell me what you think might work best in this situation. How have you handled situations like this before, and what were the considerations involved? What would be your best guess as to what might work in this situation?” In all circumstances, you’ll be “giving away” critical thinking skills and helping your employees with their career and professional development. After all, everyone wants real-time feedback in order to learn their craft and master their trade. Make this a fun, shared experience, and you’ll have people from across the organization clamoring to join your team.
Too many managers have told themselves tales like, “To be respected, you have to be feared” and “Recognition isn’t important—my people will hear from me only if there’s a problem.” That kind of thinking may have worked a hundred years ago, but it doesn’t work in today’s knowledge-based economy. Employees want career and professional development; they likewise want to work for a management team that cares about them personally. CEOs, in turn, value creativity, innovation, and accountability.
How do you make that all happen? Simple: If you want a stronger team, build people’s self-confidence. If you want people to assume responsibility when things go wrong, model that sort of accountability yourself. And make it safe for staffers to volunteer new and innovative ways of doing things. It turns out that leadership is the greatest gift the workplace offers because it allows you to touch others’ lives and grow their careers. What an exciting opportunity awaits!
You can connect with Paul on LinkedIn at www.linkedin.com/in/paulfalcone1
Paul Falcone (www.PaulFalconeHR.com) is a management trainer, executive coach, and bestselling author on hiring, performance management, and leadership development.
www.HarperCollinsLeadership.com
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By Stephanie Lee, Air Force Veteran & Enrollment Manager, CareerStep
Sometimes, the sense of division between life in the military and life as a civilian feels like a vast chasm. In fact, for military families, this sense of division joins a long list of challenges that specifically impact the men and women who sacrifice so much for the country. These challenges couldn’t be more apparent than when it comes to finding a post-military career or one that is flexible enough to align with military spouses’ unique needs—a career that checks all the right boxes: satisfaction, security, and stability.
Finding industries and employers that understand the skills of veterans and their families can seem like an uphill climb at times, and it shows. For example, the unemployment rate for veterans rose to 6.5% in 2020, according to the Bureau of Labor Statistics (BLS). Reasons for this vary, but one contributing factor could be that lessons learned under the harsh conditions of combat don’t always translate to private-sector jobs. And for military spouses—60% of which say they’re looking for full- or part-time work—finding a profession that’s both portable and in-demand is increasingly difficult.
However, there is hope and there are opportunities. First, it’s important to consider key reasons why a career in healthcare—the fastest-growing sector in the U.S. economy according to BLS data—might just be what bridges that expansive gap between military and civilian life.
Most who enter the military are looking for fulfilling work—an opportunity to make a difference. A real difference. But few civilian careers allow veterans to make as much of a difference as those found in healthcare. That’s because working in this particular field, regardless of the role, provides the opportunity to impact peoples’ lives in profound ways. From mending wounds and healing minds to saving lives, the difference healthcare workers make is undeniable.
There’s a reason healthcare is an overwhelmingly popular career choice for veterans and their spouses: it’s an industry in which military-specific skills are undeniably relevant. Creative problem solving, adaptability, and effective communication— they’re all valuable skills that healthcare organizations can’t ignore if they want to provide the best possible service and care to their patients. And they’re all skills that veterans and their spouses already possess.
People need healthcare. In turn, the industry needs people willing to step up to the proverbial plate.
Economic and labor experts believe we need to hire 2.3 million new healthcare workers by 2025 if we’re going to keep pace with the needs of our aging population. But a persistent shortage of skilled workers with exceptional knowledge and training means hundreds of thousands of positions will remain unfilled. Home health aides, medical assistants, lab technicians, and more are all in high demand.
For a working military spouse, it can be difficult to cultivate a strong professional network, and when the time comes to pack up and move to a new city, the wrong vocation can leave even the most talented pro scrambling to start over. That’s why job portability is so important. Healthcare training provides the skills and certifications that employers are looking for in highgrowth, high-demand fields in virtually every city in the entire world.
These days, there are multiple training options for learners to pave their road to success. These organizations often have hiring network relationships, so it’s important to keep in contact and inform them when certification is achieved. It’s especially important for members of the healthcare sector to be fully qualified and properly trained. An early step is to start by choosing a specific discipline and then find a provider that can help learners develop the concrete job skills employers are looking for.
The good news is that there’s a significant amount of trusted providers who specialize in transforming entrylevel learners into high-performing, certified healthcare professionals. And they all do this with expansive catalogs of fully online career training programs that are fast, portable, and eligible for military education grants—often covering up to 100% of the cost.
Finding the right fit takes a little time and it is important to explore the possibilities. Doing the research is crucial as it can improve the learning experience—and potentially lead to faster employment. Deciding to pursue a career in healthcare is a fulfilling and viable option for veterans and their spouses.
About the Author:
Stephanie Lee served in the Air Force for 11 years as a Munitions Systems Craftsman. She now serves as an Enrollment Manager for CareerStep, (www.careerstep.com/military/), the Allied Health training division of Carrus. (www.carruslearn.com)
Our online training programs are approved for military education funding—all designed to help military members and their spouses build skills and thrive in careers that are portable, in-demand, and rewarding.
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Straight-forward legal tips for Military and Veteran Business Owners
By Kelly Bagla, Esq. www.BaglaLaw.com
If you have an online business, you need to comply with the general corporate laws and local and international laws applicable to your business. Additionally, you need to comply with digital specific provisions around web accessibility, data privacy, and electronic payment processing that may be applicable to your online store.
Forty-five states and Washington D.C. impose statewide sales tax. However, different cities, counties, and special taxing districts may also add local sales tax rates on top of statewide taxation. Failure to properly calculate and collect the right sales tax amount can put a dent in your profit margin.
If you import products from foreign-based suppliers valued in excess of a certain threshold, your imports may be subject to customer duties. Also, other tariffs and taxes may apply if you regularly ship products in larger quantities.
Payment gateways are the lifeline for securely processing customer payments. The key word here is “security” as a payment data breach can lead to a major regulation fine. Not to mention it could result in indirect losses associated with damage to your brand image. Make sure your payment gateway is federally compliant.
Payment Card Industry (PCI) and Data Security Standard (DSS) sets unified standards for securely processing card transactions and brings all industry practices to the same level of compliance. Being PCI compliant does not just mean providing a secure, encrypted checkout experience, you will also need to avoid storing any purchasing information on paper or via recording.
Anytime you launch a website, it is absolutely required that it comply with the Children’s Online Privacy Protection Act (COPPA). One restriction that will apply to your site is the inability to collect any personal information from a child under the age of 13.
E-commerce websites can collect valuable insight to create a data-driven experience for shoppers. Data privacy laws around the world prohibit merchants from using customers’ personal identifiable information (PII) for analytics purposes. This includes full names, addresses, social security numbers and debit and credit card details.
While PII regulations focus broadly on how organizations handle an individual's personal data, Cookie Laws address the specific technology of storing information on a user's device. The U.S. does not have overarching federal law regulating cookies. Many states, however, have data privacy laws that cover cookies when they are used to collect personal information. California, for instance, requires transparency about data collection and gives customers the right to opt out of the sale of their personal information, which can include data collected via cookies.
Websites should provide a clear and accessible
Digital accessibility improves usability, expands your audience reach, and shows that your business values inclusivity. Inaccessible websites can lead to discrimination lawsuits.
According to Title III of the ADA, all “places of public accommodation” must make reasonable efforts to accommodate people with disabilities. Courts and the DOJ interpret the ADA to include websites as "places of public accommodation" that affect commerce. While the ADA does not provide specific technical standards for websites, the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA is the widely accepted framework for conformance. (These guidelines are not mandated by the ADA but are recommended as best practices.)
Pre-built website tools can be utilized to improve website accessibility to conform to most of the ADA and WCAG guidelines, thus showing reasonable efforts to accommodate disabled people. But for absolute, 100% conformance to WCAG guidelines, an accessibility expert can perform a thorough accessibility audit and help you strictly conform to WCAG standards.
If you need help determining if your corporation is compliant with these and other online regulations, we can help. Please visit my website at www.BaglaLaw.com
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By Barbara Eldridge www.mindmasters.com
As we enter the final quarter of 2025, only 92 days remain to make the most of this year. This is a critical time for all business owners to re-evaluate their strategies—especially in the financial realm. Whether you’re running a small veteran-owned business or a larger operation, now is the perfect opportunity to assess your financial standing and plan for a prosperous year ahead.
With the year wrapping up fast, now is the time to get a handle on your tax obligations. Have you kept up throughout the year, or are you playing catch-up? Either way, don’t wait until the last minute. Scrambling can lead to costly mistakes and unnecessary stress.
Start by reviewing your records, organizing your documents, and connecting with your accountant to avoid surprises and ensure you’re fully prepared for the year-end crunch.
Running a business is expensive, and controlling costs should be a top priority. That’s why the last quarter is an ideal time to reassess your financial needs for next year. Are your current expenses aligned with your business goals? Are there areas where you can cut back or invest more strategically? With guidance from your accountant, take a clear-eyed look at what’s working, what’s not, and what adjustments you need to make to position yourself for a strong 2026.
Successful businesses are built on sound financial habits. You don’t need to be a finance expert, but you do need to be consistent and disciplined.
Poor accounting is one of the top reasons small businesses fail. Commit to tracking revenue, expenses, cash flow, and budgets every month. Build simple, sustainable routines that put you in control of your financial picture. This is not optional—it’s essential.
Your financial mindset is just as important as your spreadsheets. The way you think about money can shape the decisions you make—and ultimately, your business outcomes.
A scattered or negative mindset leads to poor choices and missed opportunities. But a focused, proactive mindset empowers you to find solutions and stay on track. Take time to reflect on how your thinking supports or undermines your goals, and adjust as needed.
As a veteran business owner, you already possess the discipline, strategic thinking, and resilience that lead to success. Now is the time to apply those same qualities to your financial strategy.
Use these last few months of the year to reset, refine, and realign. Whether it’s preparing for tax season, tightening your budget, or strengthening your mindset, the actions you take now will set the stage for a strong finish to 2025—and an even stronger start to 2026
Remember: Financial success isn’t accidental. It’s intentional. Make the right moves today, and you’ll be well-positioned for a profitable and prosperous year ahead.
Barbara Eldridge President/ Founder of Mind Masters created groups for business owners to tap the synergy of energy, commitment and excitement for each other. The beauty of Mind Masters is that participants raise the bar by helping each other implement goals, brainstorm ideas, create solutions, and offer mutual support. Checkout how a Group can enhance your business while also creating personal and professional and financial growth. www.mindmasters.com
www.dreammakerfranchise.com/veterans-franchising-opportunity
By Joseph Molina veteransccsd@gmail.com
As America’s aging population continues to grow, the demand for quality senior housing and care programs has never been higher. Entrepreneurs who establish senior-focused housing facilities not only create meaningful businesses but also address one of society’s most urgent needs: safe, supportive environments for older adults. Three of the most common options—Residential Senior Facilities, Assisted Living Programs, and Independent Living Facilities—each offer unique opportunities and benefits.
A Residential Senior Facility typically operates out of a home-like setting, often in a converted singlefamily residence. This option provides a warm, familyoriented environment where seniors can receive daily assistance with meals, personal care, and social activities.
For example: a two-bedroom home that accommodates four seniors (two per room) can generate between $3,000–$5,000 per month depending on the level of care, total monthly income could range from $12,000–$20,000.
Licensing requirements vary by state but often include Residential Care Facility for the Elderly (RCFE) licensing or an equivalent, along with health and safety inspections.
Assisted Living Programs are designed for seniors who need more structured support but do not require the full services of a nursing home. They provide help with medication management, bathing, mobility, and meals, while also creating opportunities for socialization and enrichment.
In a two-bedroom home, you could accommodate multiple residents through shared or private rooms.
At rates ranging from $3,000–$6,000 per month per resident, a program serving four to six residents can bring in $14,000–$36,000 monthly. Staffing and medical oversight costs are higher than residential senior housing, but the value proposition is strong given the growing need.
Licensing requirements typically involves an Assisted Living Facility license, compliance with local fire and building codes, and staff training certifications in first aid and caregiving. The social impact is great: these programs support local healthcare providers, and create jobs for caregivers, nurses, and administrative staff.
Independent Living Facilities are geared toward active seniors who do not require daily personal care but still want a safe, community-based environment. These programs often provide private or semi-private housing, meals, transportation, and social activities, giving seniors freedom with added security.
In a two-bedroom property converted into independent living, rents can range from $2,000–$3,000 per resident. With four residents, potential income is $8,000–$12,000 monthly, with relatively lower staffing costs compared to assisted living.
Licensing requirements are typically less intensive, often involving only standard housing permits and compliance with local zoning. This makes independent living an attractive entry point for entrepreneurs.
Each of these models helps families by ensuring their loved ones are cared for in safe, supportive settings. Locally, they generate jobs, reduce healthcare strain, and create trusted spaces where seniors can thrive.
For business owners, they combine meaningful work with sustainable income, making senior housing one of the most impactful entrepreneurial ventures today. Contact us if you if you would like to explore one or more of these Opportunities.
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Homeland Magazine had a chance to speak with Jena Hedrick-Walker: Military family support programs and psychological health services expert and Directorof Strategic Development at Loyal Source Government Services
Homeland: Why is finding employment one of the most difficult transitions for Veterans after service?
Jena Hedrick-Walker: Finding employment after service can be a more daunting journey than people may think for a Veteran. The environment is completely different. When in the military, your source of income is secure. Even if the location changes or the job role or rank changes, military service members know their income is certain.
Additionally, the culture is different. In the military, Veterans don’t necessarily have the option to choose their boss or where they want to work. The idea of having to procure income from an unfamiliar source that is culturally different is a significant life change, and anyone going through a significant life change will experience stress and even insecurity.
There is good stress, eustress, and bad stress, distress. Finding a new form of employment after service is eustress, but regardless it’s stressful. Stepping into a new situation can cause increased anxiety or decreased self-confidence.
Homeland: Are there practices or habits Veterans can implement to make that transition easier?
Jena Hedrick-Walker: The first recommendation I would make to a Veteran looking for employment after service would be to establish a routine. The routines enforced in the military are instilled in Veterans, and Veterans typically thrive within a routine after service.
I’d encourage Veterans to set parameters around the job search. Job hunting brings rejection at times, and it’s easy to get overwhelmed and even obsessive over
securing employment. Setting specific timeframes around the job search can be helpful Maybe it’s two hours a day dedicated to job hunting and no more. It’s important to also take time to check in with yourself. Dedicate time to fun activities with family and friends as well.
I would also implore Veterans to ask questions. Seeking out mentors and networking with people that have knowledge and skills about job hunting or other industries of interest is highly beneficial. People want to help people. If a Veteran says, “I’m a Veteran, this is my experience. I don’t know how this will translate into the civilian world. Can you take 15 minutes to speak with me about this industry?,” people will be receptive to that and lend a hand.
Homeland: What can potential employers do / or what should they be aware of when hiring Veterans to help the transition?
Jena Hedrick-Walker: I would encourage potential employers to keep an open mind. When you first pick up that resume, there might be experience listed that doesn’t seem to be a fit. Instead of writing them off, pick up the phone and give them a quick call to learn more. There is a reason the Veteran thinks their experience and their skills would be beneficial in the position. Give them the opportunity to explain why — and don’t be afraid to ask questions. Veterans want the chance to tell you about their experience and how it will translate.
Homeland: What resources are available for Veterans struggling to find employment?
Jena Hedrick-Walker: There are several excellent resources available for Veterans, and I’d encourage Veterans to take advantage of them. Veterans Affairs (VA) is a great resource. There are people at the VA that have truly dedicated their lives to supporting Veterans. It’s also about the relationship between Veterans and resources. Making a call and finding someone you relate to and have a connection with could be the best person to talk to about specific needs. The relationship can make all the difference for Veterans utilizing the VA.
The National Resource Directory, Hire Military, Veterati and Loyal Source Government Services are also fantastic resources for Veterans seeking employment.
Homeland: Are there specific types of jobs that are well suited for Veterans transitioning into the workforce?
Jena Hedrick-Walker: If you look across our military service members, you’re going to see people from all walks of life with all different passions. Society needs to be careful about classifying Veterans as only Veterans. They are unique humans with a culture and a specific history with individual experiences. The fact that they are Veterans is just an added bonus to who they are.
We can’t pigeon-hole Veterans into a box. There’s not necessarily an industry or a specific job that Veterans as a whole would be better suited for than another. Veterans, like anyone else, have interests and hobbies. I once met a war ship captain who loved botany and wanted to be a plant biologist after service. Veterans are some of the most creative people I have met.
Homeland:: Are there any specific qualities that Veterans bring to the workforce?
Jena Hedrick-Walker: Veterans make some of the most loyal and diligent employees because they know how to survive and thrive in challenging environments. In the military, you’re thrown into difficult situations and trained to figure it out and persevere.
Veterans also tend to be highly ethical individuals. When you are sworn into the military, you promise to uphold a set of core values during active duty and in all aspects of your life and that will carry on post-service.
Finally, Veterans tend to have a lot of supervisory experience. As they progress in rank, they are given more and more responsibility and the opportunity to excel in leadership and management.
Homeland: Is there anything else you’d like to add?
Jena Hedrick-Walker: I think it’s important to remember that we need to approach every single Veteran as an individual with strengths. Society habitually believes that when you come out of the military you’re damaged. I would argue that Veterans are some of the most resilient people I’ve met, and they are made stronger by their service rather than broken.
Jena Hedrick-Walker: Military family support programs and psychological health services expert and Director of Strategic Development at Loyal Source Government Services
For more information, visit https://www.loyalsource.com/veteran-services
Finding a job in the civilian workplace may seem easy at first. After all, you have learned skills, practiced leadership and demonstrated initiative that will make you successful wherever you go.
The reality, though, is that it can be difficult. In fact, it can be downright depressing demotivating and you may feel totally disillusioned. We can help.
In our Veterans In Transition archives you will find helpful and informative articles about what’s next in transition, veterans in business, career, advice, tips, workshops, transition to education, entrepreneurship, veteran franchises, legal tips & resources for veteran businesses and much more...
For assistance in your journey please visit:
www.homelandmagazine.com/category/veterans-in-transition
By Hadley Wood www.hlinwood-insurance.com
You may have heard the term Umbrella Insurance relating to your personal assets and/or your business operations but what exactly is it, and is it something you should consider adding to your insurance package?
Umbrella coverage is an extra and added line of coverage that can go over your personal assets such as your homeowner's insurance, auto coverage, rental properties or over your business insurance coverage such as General Liability, Workers Compensation or Commercial auto coverage. It acts as a second layer of coverage to give you additional coverage should your underlying coverage be insufficient in a claim situation. Umbrella coverage can also fill in some of the coverage ‘gaps’ that the underlying insurance may exclude. Example: if your underlying insurance has an exclusion on dog bites, the Umbrella policy may offer coverage for this; or your business insurance policy excludes Breech of Contract liability, the Umbrella policy may be able to cover this.
Some reasons to consider Umbrella coverage might include:
1) You have multiple vehicles and want to carry higher imits of liability than your carrier will offer.
2) You have a number of personal assets to protect but your homeowners will only offer up to 1M in liability coverage
3) Your business has a contract with a vendor/client that requires you carry 5M in Liability coverage but your business insurance carrier will only go up to 2M in coverage.
You may ask why your underlying insurance company just won’t increase the limits on the liability for you instead of having to obtain the Umbrella policy? Insurance companies like to share the risk with other companies so they don’t exceed their risk capacity. Sharing the risk means they will not be on the hook for the full 5M (if that is what you want or require) should a large claim happen. They can pay out their 2M responsibility and then have the Umbrella carrier pay out the remaining portion.
There is also a coverage called Excess Coverage. Excess coverage, like an Umbrella, goes over your underlying coverage limit - but it differs in that it only lays over one type of coverage (such as your business General Liability) and not a ‘umbrella’ over multiple lines of coverage. Excess coverage generally follows the underlying coverage policy and will not add any additional coverage to fill in any coverage ‘gaps’.
Both Umbrella coverage and Excess coverage are for Liability coverage only. Liability coverage is for damages you or your actions cause other people. They do not cover property damage claims, personal loss, personal medical expenses, etc.
The cost of Umbrella coverage can vary depending on how much coverage you want, the premium of your underlying policy and the nature of the risk you are covering. Discuss the options with your Broker/Agent if you feel this may be something you would like to add to your risk management portfolio.
If you want to learn more about Umbrella insurance or have questions about business insurance, please reach out to me at hadley@hlinwood-insurance.com
Healing our nation’s heroes through nature, connection and community.
ith billions of records exposed in recent data breaches, it’s safe to assume that, unfortunately, your personal information such as your name, Social Security number, and email address have been exposed.
There’s more bad news as veterans and active duty military members are 76% more likely to report identity theft than civilians, according to the Federal Trade Commission (FTC). So where does your personal information end up? It can end up on the dark web.
The dark web is a hidden part of the internet often associated with criminal activity, including the sale of stolen personal information. Knowing if your personal data is on the dark web is crucial for protecting your identity and your finances
How to Check if Your Personal Information Is on the Dark Web
1. Watch for Warning Signs: A sudden influx of spam or phishing emails from unknown senders can indicate that your email address has been exposed on the dark web. Alerts for applications for credit cards or other lines of credit using your Social Security number that you didn’t authorize also are signs your information is exposed.
2. Use Dark Web Monitoring Services: Dark web monitoring services are available that monitor for your email address, Social Security number, and other data on the dark web. These tools can alert you if your information has been compromised.
Personal information is valuable on the dark web because it can be exploited for various malicious purposes:
• Identity Theft: Hackers can use your details to open credit accounts, apply for loans, or commit fraud in your name.
• Phishing Scams: Compromised emails are often targeted with scams designed to steal more sensitive data, such as passwords or financial information.
• Credential Stuffing: If you reuse passwords, hackers can use stolen login credentials to try to access multiple accounts.
• Resale of Information: Hackers frequently sell personal data to other criminals.
What to Do if Your Information Is on the Dark Web
If you discover that your personal information has been compromised, take immediate action to mitigate the risks:
1. Change Your Passwords: Update passwords for all accounts, using strong, unique combinations. Enable multi-factor authentication (MFA) wherever possible.
2. Monitor Accounts: Regularly check your bank statements, credit reports, and online accounts for possible suspicious activity.
3. Consider a New Email Address: If your email is heavily targeted, switching to a new address and notifying trusted contacts may be a safer option.
4. Report to Authorities: File a report with local law enforcement and federal agencies such as the FTC to document the breach.
5. Invest in Identity Protection Services: Consider enrolling in identity theft protection and credit monitoring services for added security.
By staying vigilant and taking swift action, you can minimize the impact of having your information exposed on the dark web.
For more information visit www.identityiq.com
By Holly Shaffner
Changing careers can be exciting, exhilarating, and filled with trepidation. Meet Officer Cindy Ovares who has made the transition numerous times – from active-duty service member, to student, massage therapist, teacher, and now police officer.
The life experience she gained in those previous longterm jobs set her up to be successful today. She is doing what she’s always wanted to do – have a career that is challenging and rewarding.
Cindy was like many seniors in high school as she contemplated what she would do after graduation. When the Navy recruiter called the house looking for her brother, the recruiter instead got an eager, independent 17-year-old woman who wanted to find adventure. Just a few months later, she was off to “see the world” and start her first career.
As an Aviation Machinist’s Mate, Petty Officer Ovares was a jet engine mechanic. It was a male-dominated job, and she wanted to prove that anything a man could do, she could do better. She attended military schools in Florida and Virginia to learn her trade, and was later stationed in Lemoore, California. She was attached to VFA-22, an F/A-18 Super Hornet squadron, that deployed on ships. After serving four years on active duty, she earned Post 9/11 GI Bill education benefits, and chose to leave the Navy to attend college.
After completing her bachelor’s degree in Secondary Education and being a fluent Spanish speaker, she was hired to be a high school Spanish teacher. The job was gratifying; but also, under resourced, understaffed, and had little room to grow professionally. She wanted something new and challenging, was drawn to the community where she grew up, so, in her late 30s she applied to be a police officer.
“Being able to talk to people, figure out what they are going through, and what they need is a huge portion of the job. I enjoy interacting with the public, and engaging in what I call verbal judo.”
Officer Ovares was accepted to the San Francisco Police Academy and has been an officer for the last three years. She is a foot patrol officer working in the Tenderloin District – a 50-block area that has a storied history, and has been known for homelessness, drugs, and crime.
“Being able to talk to people, figure out what they are going through, and what they need is a huge portion of the job. I enjoy interacting with the public, and engaging in what I call verbal judo,” said Officer Ovares.
For Officer Ovares, the parallels between serving in the military and serving in law enforcement made the transition go smoothly:
• Routine – You know what to expect before your shift begins (what time to report, what uniform to wear, the structure of the day).
• Camaraderie – The bond between fellow officers is like the bond between your fellow military brothers and sisters.
• Variety – Every day is different with different assignments and duties, so the job is never boring.
• Benefits – Include a competitive salary, paid vacation days, floating holidays, and sick days, healthcare, retirement, and special pay for certain assignments and being bilingual.
As a Latina giving back to her community, she admits that the job comes with highs and lows. Officer Ovares recommends a career in law enforcement for those military members looking to make a smooth transition to a new chapter.
To learn more about the San Francisco Police Department, or to connect with recruiter, go to: www.sanfranciscopolice.org/your-sfpd/careers
By Amber Robinbson Homeland Magazine / San Diego Veterans Magazine
When I asked to go on a ride along with the San Diego Police Department, making a special request for any veterans-turned-cops, I expected a really serious, possibly dangerous, afternoon of shadowing our city’s toughest crime fighters.
What I got was an afternoon of heartfelt service to our San Diego community, honorable humility and a lot of respect.
When I asked whether former Marine Sergeant Major, Mark Wright, and his partner, former Marine Staff Sergeant, Sean Bunch, had rank or titles he said their titles were just San Diego police officers. They are relatively new partners, but act like they’ve known each other for years, which is usually the case when you get Marines together.
Wright is a newer addition to the force, coming on board two years ago, with Bunch only having two years left.
Currently, these brothers-in-arms spend their days patrolling the entirety of Balboa Park.
Although neither men are taking fire or kicking in the enemy’s door on this beat, like during their time in Iraq or Afghanistan, they still work hard to serve their local community. Service which can range from tracking down criminals to answering questions from lost pedestrians, to giving out stickers to kids and never backing down from a chance to turn on those flashing red and blues just to make one of them smile.
Most of our particular day was cruising around beautiful Balboa Park running car tags to see if they were current, from cars not displaying proper plates and placards to those double parked. Bunch says they often catch parole violators or even stolen cars doing just this. I was struck as I watched both officers go out of their way to look in and around vehicles to find plates or disability placards not displayed correctly so as to avoid issuing superfluous tickets.
“We try to give everyone the benefit of the doubt,” said Wright. “We’re not out to get anybody.”
Although, both officers confirm that enforcing even the most basic of park rules can yield large payoffs. During a recent patrol Bunch spotted an individual smoking in the park, which is illegal. As he circled back round, the individual turned and rapidly tried to walk away, which activated immediate suspicion. He was detained and came back with a warrant for numerous kidnapping and child molestation charges.
Both men say a lot of what they do is talk with museum owners and those living in the neighborhoods surrounding the park about their concerns. A shared concern by all is the park’s homeless population.
Bunch says their posture towards the homeless is mostly that of assistance, adding there are many resources available for those who would take them.
The city spends a lot of money on resources,” said Bunch. “The biggest problem we run into is whether or not the [homeless] people want them, and a lot of them don’t.”
Thus, the men tend to run into the same issues with the same people pretty often. Although frustrating, they have learned that respect goes a long way when challenged with these repeat offenders. Bunch recalls spotting one such offender in the park, who was in violation of his parole and wanted on warrant. He was unable to get to the offender immediately, but still apprehended him with a verbal request. The parolee waited patiently to be hand-cuffed and arrested, simply out of the respect he held for the law man.
“Being respectful of everyone despite their lot in life goes a long way in this job,” said Wright.
Both men say a huge part of their work is being able to connect and communicate with the myriad of people they meet daily.
Bunch says he feels he and Wright are lucky to come to the force later in life, given it means they have a wider frame of reference for those they meet and serve daily. “We deal with people who are going through all kinds of things in life,” said Bunch. “And it’s helpful to be able to say, ‘hey I know what you are going through, I’ve been there.”
As the day progressed, I realized that both gentlemen definitely had a long list of tough and unique life experiences to pull from. Both proudly served the United States Marines for years, traveling to war and all over the world, experiences that yield much wisdom as well as many a story.
Bunch, for instance, did not come to the force straight from the Marines, but from Hollywood. Surprisingly, he is a member of the Screen Actors Guild, working as a military advisor on various productions, like Lonestar 911, and appearing in some as well, such as one of the most recent Men in Black movies.
“I grew up outside of LA,” said Bunch. “So, I’ve always just kind of been around the business and found a place for myself there with all my military experience.”
Bunch hopes to return to work in Hollywood after he leaves the force, bringing with him a new level of experience and respect.
Wright, who retired from the Marines as a Sergeant Major never worked in Hollywood, but he does have plenty of stories about being a proud grandfather, father and new amputee. When I entered the Central Division Station and met him, he said he was just getting back to work after some time off after losing his leg.
Wright remained unscathed during his over-20-years in service, overseas deployments and endless combat train ups. It wasn’t until after service that he lost his leg in a motorcycle accident late one foggy night a little over a year ago. Wright says it had been an eventful second watch and he was leaving the station about 2 AM on his motorcycle when it happened.
“It was only about two minutes from work,” said Wright. “I was coming around a curve and entered into what I thought was fog, and as I’m entering, I see a headlight and side mirror in my lane.”
That headlight and mirror became an entire car that was blocking Wright’s entire side of the road.
“I was a heuy crew chief in the Marines and reverted to my training from that, grabbed my shoulders, braced for impact and went flying like a human lawn dart over my handlebars,” said Wright.
Wright landed in the ditch on the side of the road. He says he realized immediately that he had a back and leg issue. He learned that a bystander had called 911, but he requested they call back and state that the injured motorcycle rider was a policeman with the San Diego Police Department and expedite services. This one request would become pivotal in saving Wright’s life.
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“What I didn’t know at that time was that I had severed two arteries in my leg, and I was bleeding out,” said Wright.
What Wright would learn later is his heel had also been torn off on the wrecked car as he sailed past it into the ditch. After much pain and many surgeries, Wright would finally lose his leg from the knee down. says he doesn’t let it get him down, though. He’s proud to continue to serve as one of our city’s finest.
Both he and Bunch take much pride in their time as Marines and as San Diego Police Officers. Each officer comes from strong military stock, with Wright’s grandfather being a World War II veteran and Prisoner of War and Bunch’s father a decorated veteran of Vietnam.
All in all, this Army vet’s afternoon with two Marines was an impressive one. Both seasoned public servants, these honorable men have discovered you must give respect to get it, that violence is often not the answer and the most important thing to keep in mind along the way, is a good, human dose of empathy.
For more information visit www.joinSDPDnow.com or email us at SDPDrecruiting@pd.sandiego.gov
Empowering soldiers with the mental health skills and tools to reinforce suicide protection
