2021 Annual Conference

RE-United

...and it feels so good!

PRESENTED BY:

RE-INVIGORATE | RE-IMAGINE | RE-AWAKEN RE-ENGAGE | RE-FRESH | RE-FOCUS

There for you then, here for you now.

For over 70 years, Doctors Hospital ER has been trusted to provide quality, lifesaving care to the community when needed most.

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AGENDA

What’s Happening

FRIDAY, NOVEMBER 5, 2021 HOTEL COLONNADE CORAL GABLES

RE-AWAKEN Business @ Breakfast Opening Session Josh Young, Formula 1

8 AM

RE-NEW 305 A Fireside Chat The Honorable Daniella Levine Cava, Mayor, Miami-Dade County

9 AM

RE-INVIGORATE Breakout Session I Ron Magill, Zoo Miami

9:35 AM

RE-CONFIGURE Breakout Session II Dr. Karim Elish, Florida Polytechnic University

10:05 aM

RE-SET Breakout Session III Johnny C. Taylor, Jr., Society for Human Resource Management

10:35 AM

RE-IMAGINE Breakout Session IV Les Standiford, Battle for the Big Top

11:10 AM

RE-JOICE Equitable Advisors Businesswomen of the Year Awards Luncheon Featuring: Kim Ng, General Manager, Miami Marlins

11:45 PM

RE-ENGAGE Breakout Session V Dr. Adrianne McCullars, Rogers Behavioral Health

1:45 PM

RE-FOCUS Breakout Session VI David Whitaker, Greater Miami Convention & Visitors Bureau

2:20 PM

RE-POSITION Closing Remarks Ana Chaoui, Chair of the Board, CGCC and Grove Bank & Trust

2:55 PM

RE-CHARGE Cafécito Send Off & Networking Reception

3:05 PM

A MESSAGE FROM OUR

Chair of the Board Reunited and it feels so good!

Welcome to our Annual Conference, live and in-person, at the beautiful Hotel Colonnade Coral Gables.

Our “Re-unite and Re-engage” theme this year reflects the excitement of the Coral Gables Chamber of Commerce and its members as we gather together to share innovative ideas that will continue to help us achieve great things for our City.

We have a remarkable lineup of keynote speakers with us today to help inspire creativity and passion around the critical conversations shaping our community.

Thank you for joining us. I look forward to re-uniting with each of you in-person and collaborating on ways to better serve each other and our City Beautiful.

All my best,

ANA CHAOUI

SENIOR VICE PRESIDENT MARKET MANAGER | GROVE BANK & TRUST CHAIR OF THE BOARD | CORAL GABLES CHAMBER OF COMMERCE

THINK BIG! SHOP SMALL They are the local coffee shops where you order your morning brew, the independent bookstore that has all the latest reads, the bridal shop ready to help you celebrate your big day and the salon that spiffs up your date-night hairdo. Small businesses are deeply woven into the fabric of vibrant cities nationwide and Coral Gables represents one of the most beautiful tapestries for these essential businesses. We all know the impact that they have on our local economy as job creators, and how they’ve been heavily impacted as a result of the COVID-19 pandemic. So this year (like every year) we’re pledging our enduring support to the little guys right here at home - the brick and mortar locations that bring so much charm and appeal to our City Beautiful.

Whether you choose to patronize them in-person or online, we hope that you will join us in safely celebrating all that we know and love about Small Business Saturday!

SMALL BUSINESS SATURDAY NOVEMBER 27, 2021 Take the #ShopSmall Pledge!

GREETINGS FROM

Our President RE-UNITED…and it STILL feels so good.

That’s right. Still!

Good things come to those who wait – even in the midst of a never-ending pandemic. And for our new Chair of the Board, Ana Chaoui, patience has been a one of her strongest virtues since COVID-19 began.

Thank you, Ana for being the beacon of optimism and light as we re-convene this early November Friday after pausing our conference this summer due to the Delta Variant. It has been a journey, but one we are honored to be on with you.

Today, as we RE-UNITE, we coalesce around a number of relevant topics: from economic recovery and human resources to mental health and new opportunities. Our speakers today are the leading voices shaping our community and we thank them for saying yes to us.

COVID has ravaged so many of our local businesses – and our lives – and many of us have experienced great loss. Now, it is a time to heal the heartbreak and RE-UNITING is a wonderful salve for our wounds.

Our goal, as we continue to be the essential organization in Coral Gables and beyond, is to make sure you are re-energized, re-focused, re-invigorated and re-investing in your collective future. That begins today with conversations that will inform and impact you and your business.

I wish to thank our new Chair of the Board, Ana Chaoui of Grove Bank and Trust – now more than two months into her term of service to our Chamber. I also am very grateful to Doctors Hospital, part of Baptist Health, for their generosity and enduring support as our presenting sponsor.

We are blessed to have such committed individuals – and their companies – serving us in so many important ways – volunteering, sponsoring, advocating, and leading. This is what makes our Chamber unique and at the top of our game. We have survived and RE-VIVED during COVID because of that tenacious support; and we have thrived!

And of course, to each of you for being so patient with us as we pivoted, once again, from August to November. I think you will agree, even in these challenging times, it was worth the wait!

Enjoy the day today as we gather together and RE-UNITE around conversations that will affect you and your business into the future.

Warmly,

MARK A. TROWBRIDGE

PRESIDENT & CEO | CORAL GABLES CHAMBER OF COMMERCE

FROM SETTING THE STANDARD TO GOING THE EXTRA MILE, WE’RE LOOKING FORWARD TO THE NEXT 75 YEARS WITH YOU. A lot has changed since 1946, but one thing that hasn’t is City National Bank’s place at the center of our community, fueling growth through commercial and residential lending services. As we look to the next 75 years, we’re excited to continue igniting, nurturing and growing the future of Florida.

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Thad Adams, Senior Vice President at AMCO & Chair-Elect of the Coral Gables Chamber of Commerce Tadams@allenmorris.com T: 305.733.5600 Brokerage & Leasing, Property Management, Office, Mixed-Use and Hotel Development 121 Alhambra Plaza, PH 1, Coral Gables, Florida 33134 I AllenMorris.com I 305.443.1000

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13 TH ANNUAL

George E. Merrick AWARDS OF EXCELLENCE

George E. Merrick, the founder of our City and Chamber, was a visionary ahead of his time and a community leader who understood the importance of collaboration, consensus and collegiality.

Merrick had a passion for developing a community that addressed all aspects of daily life: education, commerce, aesthetics and involvement. Coral Gables was envisioned as a planned paradise nestled along the quiet waters of Biscayne Bay. The George E. Merrick Awards of Excellence celebrate this achievement and seek to annually recognize a community leader who embodies the spirit and vision of Merrick through their contributions to Coral Gables. In addition to this year’s George E. Merrick Award of Excellence, the Chamber recognized three individuals who exemplify the characteristics of a young Merrick with the seventh annual Merrick-in-theMaking Awards.

The 2021 George E. Merrick Award of Excellence Distinguished Honoree is:

RON SHUFFIELD

PRESIDENT & CEO | BERKSHIRE HATHAWAY HOMESERVICES EWM REALTY PAST CHAIR | CORAL GABLES CHAMBER OF COMMERCE, 1992 - 1993

PRESENTED BY

7 TH ANNUAL

Outstanding Innovator Award Honoree VANESSA LIEBL

FOUNDER & CEO | CHOICE MD

MERRICK IN THE MAKING HONOREES PRESENTED BY

Outstanding Community Builder Award Honoree ADRIAN NUÑEZ

ASSOCIATE DIRECTOR OF GOVERNMENT RELATIONS | UNIVERSITY OF MIAMI

Unsung Hero Award Honoree MARY SNOW

PRESIDENT & CEO | CORAL GABLES COMMUNITY FOUNDATION

2 Alhambra Plaza Coral Gables, FL 33134

southstatebank.com

Proud sponsor of the 2021 Annual Conference!

Joshua Young FORMULA 1

Josh Young joined the Formula 1 Miami Grand Prix in March, 2021 as Vice President of Ticket Sales & Service. He transitioned from a similar role with the Miami Dolphins where he oversaw the sales and service of all ticketing products, including suites, luxury, and season ticket memberships.

Young joined the Dolphins from Los Angeles FC, where he was the Vice President of Sales and Service.

He formerly held roles with the Cleveland Browns as Director of Ticket Sales and the Houston Aeros of the American Hockey League as Senior Director of Ticket Sales.

OUR SPEAKERS

A native of South Bend, IN, Young graduated from Ball State University with a degree in marketing. He also attended Game Face Sports Academy, which helped launch his career in the sports industry.

Mayor Daniella Levine Cava MIAMI-DADE COUNTY

Daniella Levine Cava was elected Miami-Dade County’s first-ever woman Mayor in November 2020. She enters the Mayor’s office following a 40-year career as a relentless advocate for South Florida families in public service and elected leadership.

As Miami-Dade County’s Mayor, she oversees a metropolitan government with more than 28,000 employees serving nearly three-million residents, managing an annual budget of approximately $9 billion.

Since taking office, she has worked to protect lives and livelihoods by deploying a countywide operation to distribute coronavirus vaccines efficiently and equitably across Miami-Dade.

Mayor Levine Cava’s administration is focused on building a stronger, more inclusive, more resilient Miami-Dade: prioritizing reforms to make our county safer and prevent gun violence through the Peace and Prosperity Plan; restoring and reinvigorating a thriving economy that delivers economic security for Miami-Dade businesses and families and attracts new industries; saving Biscayne Bay and building and protecting our environment; and directly engaging with

residents to make local government more responsive, transparent, and accountable.

Ron Magill ZOO MIAMI

Ron has worked with wildlife for over 40 years.

He is the host of HITN’s national wildlife documentary program, Mundo Salvaje con Ron Magill.

As Zoo Miami’s “Goodwill Ambassador,” he has made frequent television appearances on many programs including, National Geographic Explorer, the Discovery Networks, the Today Show, Good Morning America, The Late Show, CBS This Morning, Dateline, and CNN, as well as on Spanish networks Univision and Telemundo.

In addition, he has written and produced many wildlife articles and award-winning photographs that have appeared in publications and galleries around the world. He has traveled extensively throughout Africa, Asia and Tropical America while developing and directing conservation projects and Emmy-Award winning documentaries focusing on the wildlife of those regions.

Other than Zoo Miami, Ron’s proudest professional accomplishment is the establishment of the “Ron Magill Conservation Endowment” at the Zoo Miami Foundation.

This endowment is the largest of its kind at the zoo and provides tens of thousands of dollars annually to wildlife conservation by providing annual scholarships and supporting field conservation projects designed to protect wildlife where they are naturally found.

Karim Elish

FLORIDA POLYTECHNIC UNIVERSITY Dr. Karim Elish is an assistant professor of computer science at Florida Polytechnic University.

Before joining Florida Poly in 2016, he was an assistant professor in the Department of Computer Science and the Associate Director of the Information Analytics and Visualization Center at Purdue University-Fort Wayne.

Elish is directing the development of curriculum in mobile computing security through a $70,500 grant received from the Florida Center for Cybersecurity. He has published

He has published several journal and conference papers in his field. One of his journal papers was placed in the top 10 most cited papers by the Elsevier Journal of Systems and Software.

He is serving as a reviewer for many high impact ISI journals such as IEEE Transactions on Dependable and Secure Computing, IEEE Transactions on Information Forensics & Security, IEEE Transactions on Mobil computing, IEEE Systems Journal, and others.

Johnny C. Taylor, Jr.

SOCIETY OF HUMAN RESOURCE MANAGEMENT Johnny C. Taylor, Jr., SHRM-SCP, is President and CEO of SHRM, the Society for Human Resource Management.

With over 300,000 members in 165 countries, SHRM is the largest HR professional association in the world, impacting the lives of 115 million workers. A nationally bestselling author, Mr. Taylor is a sought-after voice on all matters affecting work. He is frequently asked to testify before Congress and authors the weekly USA Today column “Ask HR.” He is the author of “RESET: A Leader’s Guide to Work in an Age of Upheaval.” Immediately upon its release in September 2021, RESET was in the top three of the Wall Street Journal’s list of best-selling hardcover business books. All author proceeds benefit the SHRM Foundation, which is committed to empowering HR as a social force for change.

He was appointed chairman of the President’s Advisory Board on Historically Black Colleges and Universities and served Vice Chairman of the White House American Workforce Policy Advisory Board during the Trump Administration. He is a Trustee of the University of Miami, Governor of the American Red Cross, and member of the corporate boards of Guild Education, iCIMS, and XPO Logistics (NYSE: XPO).

Les Standiford AUTHOR

Les Standiford is the author of twenty-five books, including the critically acclaimed works of non-fiction, Last Train to Paradise: Henry Flagler and the Spectacular Rise and Fall of

the Railroad that Crossed an Ocean --a History Channel Top Ten Pick & the One Read choice of more than a dozen public library systems; Meet You in Hell: Andrew Carnegie, Henry Clay Frick and the Bitter Partnership that Transformed America, and Washington Burning: How a Frenchman’s Vision for Our Nation’s Capital Survived Congress, the Founding Fathers, and the Invading British Army--both publisher’s nominees for the Pulitzer Prize and National Book Awards; The Man Who Invented Christmas: How Charles Dickens’ A Christmas Carol Rescued His Career and Revived our Holiday Spirits (a New York Times Editors Choice); Bringing Adam Home: The Abduction that Changed America (a New York Times best-seller); Water to the Angels: William Mulholland, His Monumental Aqueduct, and the Rise of Los Angeles (a featured alternate of the History Book Club); Miami Noir: The Classics; and Battle for the Big Top: P.T. Barnum, James Bailey, John Ringling, and the Death-Defying Saga of the American Circus.

He is also the author of ten novels, has received the Barnes & Noble Discover Great New Writers Award, the Frank O’Connor Award for Short Fiction, and Fellowships from the National Endowment for the Arts and the National Endowment for the Humanities.

He is Founding Director of the Creative Writing Program at Florida International University in Miami and was appointed holder of the Peter Meinke Chair in Creative Writing at Eckerd College in St. Petersburg for the Spring of 2016.

Adrianne McCullars, PhD

ROGER’S BEHAVIORAL HEALTH Adrianne McCullars, PhD, is a licensed clinical psychologist. Dr. McCullars obtained her PhD from the University of South Alabama in Mobile, Alabama. She went on to an accredited internship at Kansas State University in Manhattan, Kansas where she worked in a university counseling center. Then, completed an accredited post-doctoral fellowship at the University of South Florida where she worked half time between the university counseling center and the student health services center providing behavioral health care. Dr. McCullars did her final post-doctoral summer rotation at Rogers where she was offered a position and has been with Rogers Tampa since 2017.

At current, Dr. McCullars is the associate

clinical director at Rogers Behavioral Health and functions in both the Tampa and Miami locations. In Tampa, Dr. McCullars oversees the adult programming at the partial hospitalization and intensive outpatient levels of care. At the Miami location, Dr. McCullars oversees the entire clinic, including both child/adolescent and adult programming at the partial hospitalization and intensive outpatient levels of care. Dr. McCullars provides supervision and training that promotes evidence-based treatments for OCD, anxiety, trauma, substance use, eating disorders, mood disorders, and depression.

Outside of her full-time position at Rogers, Dr. McCullars owns and works part-time at her private practice where she provides pre-employment psychological evaluations and other services to police departments, hospitals, private security firms, and both public and private school systems in the Tampa, FL area.

Kim Ng

MIAMI MARLINS Kim Ng joined the Marlins organization in November 2020, becoming the fifth person in club history to hold the top position in baseball operations.

She is the highest-ranking woman in baseball operations among the 30 MLB teams and the first woman hired to the General Manager position by any of the professional men’s sports teams in the North American Major Leagues.

Ms. Ng has spent more than 30 years in Major League Baseball, including a combined 21 years of experience in the front offices for the Chicago White Sox (1990-96), New York Yankees (1998- 2001), and Los Angeles Dodgers (2002-11). She has been an integral part of eight postseason appearances, including six League Championship series and three World Championships.

Ms. Ng joined the Marlins having spent the previous nine years as Senior Vice President of Baseball Operations with Major League Baseball and the highest ranking Asian-American female baseball executive.

During her tenure at MLB, she directed international baseball operations, working with the front offices of the 30 Major League Clubs and many other baseball leagues and entities around the world. In this capacity, she led a team that set policy for and enforced international signing rules, established MLB’s first system for registering international players for signing and

managed protocols for signing international players, raised the standards for international baseball academies, and negotiated agreements with international winter leagues. She also focused her efforts on growing the game of Baseball, leading MLB’s efforts to improve the quality of play, caliber of talent, and rate of participation for amateur baseball around the world while also supervising MLB playing initiatives for girls and women. Additionally, Ms. Ng served on MLB’s Diversity Pipeline Advisory Committee.

OUR SPEAKERS

Ms. Ng graduated from the University of Chicago, where she played softball and earned a degree in Public Policy. She has appeared on Forbes’ list of the Most Influential Minorities in Sports, Forbes’ list of the Most Influential Women in Sports, and Adweek’s Most Powerful Women in Sports. She also serves on the Anti-Defamation League’s Sports Leadership Council. Most recently, she was named one of InStyle Magazine’s Badass 50 Women, and included among the South Florida Business Journal’s Power Leaders. Ms. Ng also took part in the 2021 Presidential Inauguration as part of the Celebrating America event.

David Whitaker

GREATER MIAMI CONVENTION & VISITORS BUREAU David Whitaker returned to Miami-Dade County and the GMCVB in August 2021 after serving as President & CEO of Choose Chicago for the past five years. Choose Chicago promotes Chicago as a major international leisure, business, arts and culture, sports and special events center. Choose Chicago is also responsible for promoting, confirming, and servicing major conventions, trade shows and events at McCormick Place – North America’s largest convention center, boasting over 2.7 million square feet of meeting and exhibit space.

Choose Chicago also manages the Chicago Sports Commission and has been responsible for dozens of major sporting bids. Most recently they hosted the 2020 NBA All-Star Game, the 2019 Laver Cup International Tennis, as well as Copa America and FIFA matches each year, the 2017 MLS All-Star Game, the 2017 NCAA Frozen Four, the 2018 NBA Lottery and the 2017 NHL Draft.

Chicago routinely hosts the NCAA Big Ten Men’s and Women’s Basketball Conference Championship Tournaments and annual International Rugby Tournaments and was

recently awarded the bid to host the NCAA Men’s Mid-East Regional Finals.

David’s first opportunity to lead a destination marketing organization began in 2007 when he was appointed President & CEO of Tourism Toronto. As North America’s fourth largest and most ethnically diverse city, Tourism Toronto supports the sales and services for the Metro Toronto Convention Center, assist in promoting major festivals, was the host of World Pride in 2014, the Pan American Games in 2015, and the NBA AllStar Game in 2016.

Ana Chaoui

CHAIR OF THE BOARD, CGCC GROVE BANK & TRUST Ana R. Chaoui is a well-respected banker, community, and civic leader with a passion for helping individuals, families, and businesses come together for the benefit of the greater good.

As Senior Vice President and Market Manager of Grove Bank & Trust’s Coral Gables office, Ana is responsible for cultivating relationships and providing sound financial advice in the best interest of her clients.

Ana’s vision for the Coral Gables Chamber is to re-engage the business community by providing guidance and assistance where needed to ensure their success for years to come and to continue the efforts to promote diversity and inclusion.

Connect with us!

THE CORAL GABLES CHAMBER OF COMMERCE

@GABLESCHAMBER

CORAL GABLES CHAMBER OF COMMERCE

GABLES COMMUNICATIONS

@GABLESCHAMBER CORALGABLESCHAMBER.ORG WELCOMETOTHEGABLES.COM

I lost everything I loved in me.

Now I’m finding myself again.

I will

If you or someone you know is struggling with mental health or addiction, Rogers Behavioral Health can help find a path to recovery.

Reach out today and together we can not only face your challenges, we can rise above them. Treatment available in English and Spanish.

Questions? Contact Sarah.Norfleet@rogersbh.org

rogersbh.org

888-927-2203

Ana Chaoui

Thad Adams

Sara Hernandez

Brian Barakat

Audrey Otero

Addys Kuryla

CHAIR OF THE BOARD GROVE BANK & TRUST

CHAIR ELECT THE ALLEN MORRIS COMPANY

2021 - 2022 executive committee FIRST VICE CHAIR FIRST CITIZENS BANK

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Deirdre Nero

Adrian Nunez

Maria Garcia

Frank Fernandez

Lauren Dowlen

Cristina Miller

Carolina Rendeiro

Elsa Powers

Mark A. Trowbridge

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TRUSTEE COUNCIL CHAIR SOUTH STATE BANK

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GOVERNMENT & LEGISLATIVE AFFAIRS KOZYAK TROPIN & THROCKMORTON

BUSINESS & ECONOMIC DEVELOPMENT INTERMEDIA TOUCH, INC.

PRESIDENT & CEO #GABLESCHAMBER

2021 - 2022 BOARD OF DIRECTORS

Ricardo Alberty

THE WELL GROOMED GENTLEMAN

Lillian Ser

MERCEDES-BENZ OF CORAL GABLES

Greg Barnes

Anabella Smith

Steven Bradley CLUTCH BURGER

Efrain Sora

Giselle Breto

BEST PRACTICES TITLE, LLC

Cinthya Urena

Chris Colston

SECOND CHANCE CREDIT, LLC

Myrna Vaca

Amy Donner

Jessica Wilcox

Rudford Hamon

- EX-OFFICIO MEMBERS -

Matthias Kammerer

Vice Mayor Michael Mena

CORAL GABLES MAGAZINE

JELLY PLACES

THE BILTMORE HOTEL

SER & ASSOCIATES, PLLC

ZYSCOVICH ARCHITECTS

SORA GLOBAL RISK ADVISORS

CITY NATIONAL BANK OF FLORIDA

UHEALTH

J. WILCOX CONSULTING

City of Coral Gables

Mitchell Mandler SMGQ LAW

Julian Perez City of Coral Gables

Jorge Martinez FLORIDA BLUE

Rene Negron EQUITABLE ADVISORS

Rosella Papale RP BRANDING STUDIO

Monique Selman

ALBANY HOMES CONSTRUCTION

Rick Alberty

THE WELL GROOMED GENTLEMAN Business Improvement District

Mary Snow

Coral Gables Community Foundation

James C. Kohnstamm Miami-Dade Beacon Council

Mark A. Trowbridge

PRESIDENT & CEO Chief executive, administrative and fiscal officer of the Chamber. Responsible to the Board of Directors for a full range of activities including coordination of the program of work, organizational structure and procedures, interpretation of policy, strategic planning, communications and branding.

Mark celebrated his 15th anniversary with the Chamber this past August.

E | MTrowbridge@CoralGablesChamber.org

Erica Simons

DIRECTOR OF PROGRAMS & EVENTS Serves as the staff liaison to Chamber’s volunteer committees under the Chairman’s, Business & Economic Development, Global Business Affairs and Special Events Divisions, as well as the Trustee Council and oversees all monthly programming. Also responsible for the planning of Chamber’s annual awards programs: George E. Merrick Awards of Excellence, Merrick inthe-Making Awards, Diamond Awards, Rising Star Awards and the Equitable Advisors Businesswomen of the Year Awards.

E | ESimons@CoralGablesChamber.org

Morgan Mongelia

COMMUNICATIONS MANAGER Develops and implements all marketing, public relations activities and social media content across all platforms. Creates all collateral for the Chamber including event e-vites, press releases, weekly and monthly newsletters, advertisements, calendars, brochures, invitations, etc. Also responsible for the Chamber’s annual publication, The City Beautiful Magazine.

E | MMongelia@CoralGablesChamber.org

Ileana Delgado MEMBER RELATIONS MANAGER

Maintains internal membership administration. Membership activities include processing of new member accounts and updates, website listings and record management.

Responsible for the RE-Connect Lunch, Chamber Engagement 101 for new members and The City Beautiful Awards Program.

E | IDelgado@CoralGablesChamber.org

Jennifer Rosado SALES & MEMBERSHIP MANAGER

Sells the programs and services of the Chamber to existing members and non-member firms, including the sale of new memberships to non-member firms, upgrade of existing member firms and renewals of past due member accounts.

E | JRosado@CoralGablesChamber.org

Christine Siervo SOCIAL MEDIA SPECIALIST

Curates the Chamber’s social media content.

Works with the Communications Manager to promote upcoming events, support the Chamber’s initiatives, share member news, and more!

E | CSiervo@coralgableschamber.org

Marco Ibarra IT SUPPORT

Serves as a consultant supporting the Chamber’s Information Technology and cyber-security needs.

Played an instrumental role during our office build out, equipping the space to meet our technology requirements. Marco’s company, Elipteck Technology Group, is a long-time Trustee Member of the Chamber, and he has served in various leadership capacities.

E | MIbarra@eliptek.com

meet your chamber team

Name: _________________________________________________

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Membership: 305-913-3230 | 1200 Anastasia Ave. Coral Gables, FL 33134 | biltmorehotel.com Health insurance is offered by Florida Blue, a trade name of Blue Cross and Blue Shield of Florida, Inc. and HMO coverage is offered by Florida Blue HMO, a trade name of Health Options, Inc. an HMO affiliate of Florida Blue. These companies are Independent Licensees of the Blue Cross and Blue Shield Association.

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Phil Stevenson

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Phil Stevenson Mortgage Nerd

www.pslending.com | 305-791-4874 info@pslending.com

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Mortgage Rates on the Rise! Don’t miss out! Call us.

Mortgage Rates on the Rise!

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TITLE INSURANCE, UNCOMPLICATED Some products and services may not be available in all states or may be taken off the market at any time. Credit and collateral are subject to underwriting approval. Terms and conditions apply. This is not a commitment to lender. Programs, rates, terms, and conditions are subject to change without notice. PS Financial Services, LLC dba PS Mortgage Lending, a mortgage lender and licensed mortgage broker business in FL, TX, and VA. NMLS#968090 An equal housing lender.

*Fixed-Rate Loan at 2.875% has an Annual Percentage Rate (APR) of 2.971%

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www.pslending.com | 305-791-4874

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emphasis on individualized service and unparalleled support.

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9480 SW 77 AVE, Miami, FL 33156

Iraq & Afganastan Veteran

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PS Financial Services, LLC dba PS Mortgage Lending, a mortgage lender and licensed mortgage broker business in FL, TX, and VA. NMLS#968090 An equal housing lender.

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Annual Percentage Rate (APR) of 2.971%

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CHAMPIONSHIP HEALTHCARE IS ALWAYS IN SEASON. Whether it’s football or any other sport, our team can get you back to what you love. So don’t let an injury stand in your way. Go where the pros go and get back to touchdown dances.

BaptistHealth.net/Ortho | 786-268-6200 A not-for-profit organization supported by philanthropy and committed to our faith-based charitable mission of medical excellence.

For giving opportunities, visit BaptistHealth.net/Foundation Providing Sports Medicine Services for

THE CORAL GABLES CHAMBER OF COMMERCE

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