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BRISTOL COUNTY BUSINESS NEWS The Official Publication of the Bristol County Chamber of Commerce, Inc. June 2017 Edition

Bristol County Chamber of Commerce Recognizes Excellence in Community Service By: Robert A. Mellion, Esq. President & CEO, Bristol County Chamber of Commerce, Inc.

Every year the Bristol County Chamber of Commerce acknowledges the selfless service and commitment of community volunteers. We are blessed with some of the most amazing citizens. These are the very special people amongst us who quietly support and preserve a quality of life that so often is taken for granted. That is why the Chamber of Commerce annually presents the Community Service Recognition Awards, which honor the memory of John S. Brayton, Jr. The Chamber’s Community Service Awards are a tribute to outstanding individuals and organizations. The award is intended to acknowledge individuals and organizations who have been an inspiration, both in their profession and in their efforts to make our region a better place to live and work. Through such actions these individuals and groups demonstrate excellence, creativity and initiative. All of this year’s awardees are exceptional. A member of a pioneer family in Fall River, John S. Brayton, Jr. was a leader of exemplary character and integrity. He is equally known for possessing extraordinary vision and determination.

He was also remembered as an advocate of fair share and the right and privilege of all to be involved regardless of race, creed, color or financial status. Another biographical fact is that Mr. Brayton put forward many calls to action in his day. Conservationist, land steward, outdoors person, John S. Brayton, Jr. was ahead of his time.

individuals who exemplify the purpose behind the Community Service Awards. It is a good problem to have, because without each of these individuals or organizations that they work through, maintaining the quality of life that so many of us enjoy would be impossible. For this we owe them our gratitude.

In memory of John S. Brayton, the Awards Committee of the Chamber of Commerce has announced this year’s award recipients. The 2017 recipients of the John S. Brayton, Jr. Memorial Outstanding Community Service Award include Tina Bell, Elizabeth Duffy, Thomas Lowney, Gregory Medeiros, Natalie Melo, Peter & Julia Saulino, Rick & Connie Vaillancourt and Jillian Zucco. The Colonial Navy of Massachusetts and the Greater Fall River Food Pantry are also being honored as outstanding community organizations for their work.

This year’s recipients will be presented their awards at the 49th Annual John S. Brayton Community Service Awards Banquet. The Community Service Awards are a production by the Bristol County Chamber of Commerce. The community event will be held on the evening of June 22, 2017at White’s of Westport. Tickets are available at the Chamber. Please honor these great citizens with your presence.

The Bristol County Chamber of Commerce wishes to offer this year’s awardees our sincerest thanks and gratitude. Selecting award recipients each year is a challenge. The difficulty is due to the large number of worthy

2017 Co-Title Sponsors

2017 Gold Sponsors


Robert A. Mellion, Esq. President and CEO

2017 Silver Sponsors

2017 Media Sponsors





EST. 1911

Bristol County Business News: Monthly Publication, reaches 4,000 + per month Business Connection: Monthly Herald News Publication, reaches 45,000 + per month


Voice of Business: Weekly radio show, Wednesdays from 1:00 - 2:00 p.m., reaches 25,000 per month (1480 WSAR) World of Business: Weekly radio show, Thursdays from 4:00 - 5:00 p.m. (1400 WHTB) Bristol Business Connection: Chamber’s official TV show in partnership with Bristol Community College Airs monthly on FRC Media, Channel 95, Fridays at 5:30 p.m.

Chamber Social Media Outlets: Facebook: County Chamber of Commerce Twitter: Instagram: Pinterest: LinkedIn: County Chamber of Commerce

Term Ending 2019 Mike Bushell, St. Anne’s Hospital Bill Burns, SouthCoast Health Systems Catherine Dillon, BankFive Charlie Fellows, LaFrance Hospitality Doug Rodrigues, D.E. Rodrigues & Company, Inc Matthew Schondek, Fall River Municipal Credit Union Matt Zenni, Liberty Utilities


MANAGING EDITOR Jennifer Lourenco, Communications Manager ADVERTISING MANAGER Kimberly Coroa Moniz, Vice President The “Bristol County Business News” is produced monthly by the Bristol County Chamber of Commerce, Inc. The opinions featured in this publication do not necessarily reflect the views of the Chamber staff, nor of the members of the Chamber Board of Directors.


This newspaper is printed at the Standard Times. All letters to the editorial page must be signed and include a phone number. All submissions are welcome and should be sent via email to:

Term Ending in 2017 Jo Ann Bentley, Jo Ann Bentley - Architect LoriAnn Taylor Branco, Center for Sight Nick Christ, BayCoast Bank Rebecca Collins, Collins Construction Michael Lund, Borden Light Marina Carl Sawejko, Sawejko Communications Tobias Stapleton, UMass - Center for Innovation and Entrepreneurship Term Ending 2018 Carmen Aguilar, Bristol Community College Eileen M. Danahey, Saint Anne’s Credit Union Anthony Medeiros, Mechanics Cooperative Bank Marty Monteleon, Individual Arthur Pacheco, New York Life Jason Rua, RDA Insurance Dawn Rusin, Re/Max Right Choice

Chamber Website: Over 4,000 hits per month

PUBLISHER Robert A. Mellion, Esq., President & CEO

Chair of the Board: Carl Garcia, Carl’s Collision Center, Inc Immediate Past Chair: Scott O’Brien, O’Brien’s Plumbing & Heating, Inc. Chair Elect: Brian LeComte, Gold Medal Bakery First Vice Chair: Curtis Nelson, Nelson Insurance & Financial Services Second Vice Chair: Bill Perkins, People Incorporated Treasurer: Roger Cabral, Bristol County Savings Bank Clerk: Monte Ferris, Quality Inn Somerset & Venus de Milo President and CEO & General Counsel: Robert A. Mellion, Esq.

EX-OFFICIO MEMBERS: Frank Marchione, President, FROED Kenneth Fiola Jr., Esq., Executive Vice President, FROED Melinda Ailes, Senior Business Advisor Clifford Robbins, Senior Business Advisor Daniel Lilly, Government Sales Advisor Anne Fenton, Client Services Coordinator Alison Moriarty, Administrative Assistant Jill Beresford, Senior Business Advisor Nancy Lowd, Senior Business Advisor

CHAMBER STAFF: Robert A. Mellion, Esq., President, CEO & General Counsel Kimberly Coroa Moniz, Vice President Dan Balboni, Director of Business Development Courtney Krystman, Manager of Operations & Finance Jennifer Lourenco, Communications Manager

The Massachusetts Small Business Center (MSBDC) Network provides on-to-one free comprehensive and confidential services focusing on, business growth and strategies, financing and loan assistance as well as strategic, marketing and operational analysis. In addition, low cost educational training programs are offered across the state targeted to the needs of small business. Massachusetts Small Business Development Center Network 200 Pocasset Street, Fall River, MA 02721 Phone: (508) 673-9783

Fax: (508) 674-1929

MISSION STATEMENT The mission of the Bristol County Chamber of Commerce, Inc. is to be the primary business and community information source for its members and the public to provide networking opportunities for its members; and serve as an advocate, on behalf of its members, at the local, state and federal government levels. Bristol County Chamber of Commerce, Inc. 200 Pocasset Street, Fall River, MA 02721 Phone: (508) 676-8226 Fax: (508) 675-5932


All meetings are held at the Chamber unless otherwise noted

06/14 WED.........................Ambassador’s Committee Meeting 12 p.m. 06/16 FRI.....................................Government Affairs Meeting 8:00 a.m. 06/19 MON..........................Membership Committee Meeting 3:00 p.m. 06/22 THURS 49th Annual Outstanding Community Service Awards Banquet in memory of John S. Brayton, Jr. White’s of Westport Reception begins at 5:00 p.m., program begins at 6:00 p.m. 06/26 MON...............................Executive Committee Meeting 12 p.m. 06/26 MON.................................Cultural Committee Meeting 2 p.m. 06/28 WED.........................................................Board Meeting 11:45 a.m. 06/28 WED..............................................Business After Hours Located & Sponsored by: Fall River Municipal Credit Union 333 Milliken Boulevard, Fall River MA 5:00 p.m. - 7:00 p.m.

IN THIS EDITION Member Spotlights............. Page(s) 6, 8 & 11 Business News.................... Page(s) 5 Member Realtors................ Page(s) 9 Business Advice.................. Page(s) 12 Commuity News................. Page(s) 4 & 13 Human Resource Advice.. Page(s) 10 Member Discounts............. Page(s) 14 & 15


Chamber In The Community:

Route 6 Auto Mall Kia Grand Opening, G.A.R Highway Swansea MA (May 19th, 2017)

Route 79/Braga Bridge Improvement Project Ribbon Cutting and Re-Dedication Ceremony (May 12th, 2017) Pictured left to right:

Karyn Polito, Lieutenant Governor of the Commonwealth of Massachusetts Rob Mellion, President & CEO of the Bristol County Chamber of Commerce

Bristol County Chamber of Commerce Business After Hours at Mallard Printing (May 25th 2017)


Bristol County Chamber of Commerce Ambassador’s Meeting at The Tipsy Toboggan Fall River, MA (May 10th, 2017)

Cannon Solutions America Open House in Warwick, Rhode Island (May 16th 2017)

buSIneSS newS: brISTol CounTy SaVIngS bank ConTInueS To orIgInaTe loanS Through Small buSIneSS bankIng parTnerShIp

TAUNTON, MA, April 25, 2017 Bristol County Savings Bank is one of 43 Massachusetts banks participating in the Small Business Banking Partnership created by the Massachusetts State Treasury. This program is redistributing state tax funds to insured, responsible community banks that will extend new loans to small businesses. Bristol County Savings Bank was originally approved for and received $5 million under the Small Business

Banking Partnership in July 2011 and then received an additional $5 million in funds under the expanded program in March 2012. The Bank is currently one of only 28 Massachusetts banks to have received the additional funding, up to the maximum of $10 million. The program was started on July 13, 2011 and since that time Bristol County Savings Bank has originated 386 small business loans that meet the underwriting requirements outlined by the Small Business Banking Partnership, with committed original loan balances totaling $43,229,764.10, and with outstanding principal balances of $18,031,015.39 as of March 31, 2017. This initiative is not costing Massachusetts taxpayers as it simply reallocates previously paid tax funds from the treasury to local banks. In this way, tax funds are being used to speed economic recovery through new loans to small businesses which, in turn, will lead to new jobs and more money

available to engage in business activity. BCSB Continues to Originate Loans Through Small Business Banking Partnership Bristol County Savings Bank Background Information: Bristol County Savings Bank, founded in 1846, is a full-service financial institution offering commercial lending, personal and business banking, and mortgage services. The Bank’s Financial Advisory Services division has successfully assisted businesses, individuals and non-profits with the management of their assets since 1989. In addition, the Bank also offers quality property and casualty insurance options for its customers through its majority-owned insurance partner, FBinsure.

Rhode Island. The key words at Bristol County Savings Bank are: “Commitment, Stability, and Community,” values that are combined with state-of-the-art technology to meet the needs of its customers. A dedicated local community bank for over 170 years, Bristol County Savings Bank is actively involved in giving back to all the communities it serves both through financial support and the volunteerism of its people. The Main Office and Corporate Headquarters of Bristol County Savings Bank are located on Broadway in Taunton, Massachusetts. For additional information, please call 508-824-6626 or visit

The Bank’s steady growth and expansion has resulted in $1.9 billion in assets and just over 400 employees in southeastern Massachusetts and


member SpoTlIghT: J.C. wagmore all naTural dog TreaTS Westport, MA resident and dog lover, Jennifer Mello, founded J C WAGMORE All Natural Dog Treats in 2011. Becoming increasingly frustrated with the number of factory made products that offered little to no nutritional value for her pups, Jennifer decided to start making her own homemade dog treats. When she started the business, it really began as a desire to have good, healthy treats for her own dogs. It was when her dogs couldn’t get enough of them she realized she was on to something good. Fast forward to 2017, J C WAGMORE All Natural Dog Treats is now a local, recognized brand with many loyal four-legged followers. J C WAGMORE treats are available for sale in about a dozen specialty retailers around the South Coast. “Small business supporting small business” is one the values J C WAGMORE stays true to. In addition, all of the ingredients used in her treats are sourced directly from local farms or other small businesses. The “Farm To Food Bowl” initiative was implemented in 2015. Not only are all of the ingredients wholesome,

Dave’s Tire & Auto Service (508) 679-6482

Guaranteed Service & Repairs for Domestic & Foreign Cars, Light Trucks & SUV's • Computerized Wheel Alignment • Brakes/Front End • Shocks & Struts • Tune-ups/ Oil Change • Air Conditioning • Mufflers/Exhaust 352 Bedford Street Fall River Open Monday - Saturday at 7:30 a.m. Mention this ad for a 10% discount on parts with repairs


healthy and fresh, but also with every purchase of J C WAGMORE treats you are in turn supporting a local farmer or another small business in the area. J C WAGMORE treats are not just made with quality ingredients; they are also made with tons of love! All of the treats are hand baked and stamped from scratch. Now featuring a wide array of flavors, Grain-Free products, and Frozen K-9 Cups, there is something for every pup! This year J C WAGMORE has branched into the world of “Wellness” launching NEW products like organic Paw Pad Balm with Tick & Flea remedy soon to follow! If you can’t find J C WAGMORE products in a store near you, you can order on line at or place an e-mail or phone order. FREE delivery is available within 20 miles! “Healthy pups are happy pups! Happy pups make happy Pup-Parents! That is my passion and my purpose!” For more information visit:

New Chamber Members J C Wagmore All Natural Dog Treats

Thank you to the many members who helped make our

Joined 5/10/17

Annual Membership Drive a success!

Cornerstone Money Management, LLC

Membership Matters!

Joined 5/8/17

WLWC TV Joined 5/8/17

Route 6 Auto Mall Kia Joined 5/12/17

Portsmouth Publick House Joined 5/23/17

BCube Analytics Joined 5/23/17

Felicia’s Bridal - The Perfect Setting Joined 5/24/17

Kevin P. Kilroy, D.D.S. Joined 5/24/17

Nadeau Tree Service Joined 5/26/17

Jewels Day Spa Medical Aesthetics Joined 5/26/17

For additional information on joining The Bristol County Chamber of Commerce please contact: Dan Balboni

American Power Source

Director of Business Development

Joined 5/30/17

South Coastal Counties Legal Services Joined 5/31/17

(508) 676.8226 *Additional listing of new members from the Membership Drive will be printed in July


member SpoTlIghT: law oFFICeS oF Samuel S. reIdy The Law Offices of Samuel S. Reidy represents the culmination of Attorney Sam Reidy’s lifelong professional goal. Sam was born in Somerset and lived there his whole life prior to moving to Boston to receive his undergraduate degree at Boston College and his law degree from Suffolk University Law School. Attorney Reidy remained in Boston, joining a civil litigation practice in downtown Boston in 2010. In 2016, Attorney Reidy took the next step to achieving his goal of starting his own practice near his hometown by taking and passing the Rhode Island Bar Examination. In the fall of 2016, the Law Offices of Samuel S. Reidy opened for business in Swansea Professional Park off of Route 6. Attorney Reidy is currently admitted to practice law in the Commonwealth of Massachusetts, the State of Rhode Island, and the United States District Court for the District of Massachusetts. Attorney Reidy is a notary public for the Commonwealth of Massachusetts. The Law Offices of Samuel S. Reidy provides legal representa

195 Broadway, Fall River, MA


Open Wednesday evenings until 8:00 pm Hours: Mon. - Fri. 8:00 am - 4:30 pm, Wed. until 8:00 pm, Sat. 8:00 am - 3:00 pm Locations: Fall River, MA • Plainville, MA • Hyannis, MA • Cranston, RI HVAC Locations: Woburn, MA • Avon, MA • East Hartford, CT


tion, counseling, and litigation services to the citizens, businesses, and communities of Massachusetts and Rhode Island. Our firm provides legal representation in a wide variety of civil matters including trusts, wills, and general estate planning; healthcare law; contract reviews and disputes; personal injury claims; probate; employment law; and other general civil litigation matters. These matters range from complex automobile accidents to licensing board hearings to discrimination claims to executing wills and trusts documents. Our firm has helped navigate clients through the settlement process as well as represented clients at depositions, hearings, arbitrations, mediations, and at trial. We understand that the nature of these legal issues are highly personal in nature and have an unique importance to our clients. An extensive and complete estate planning package, including wills, trusts, health care proxies, and durable power of attorneys, are important to protecting you and your family, both now and in the long term. At the Law Office of Samuel S. Reidy our top priorities

are to develop a relationship with our clients that is built on mutual respect and trust s well as to provide our clients with representation that they can feel confident in. We believe that every case, no matter how big or small, should be handled with care, respect, and compassion. We will work hard to protect you and your family. While estate planning is important in preparing for your future, we also assist clients with legal matters that occur suddenly such as automobile accidents or changes in one’s employment situation. An unexpected injury or change in health or employment status can cause great upheaval and stress in a client’s personal and professional lives. At the Law Offices of Samuel S. Reidy, we will fight to protect your interests and your rights. Please feel free to contact our firm today for a free initial consultation and case evaluation so that we can answer any and all questions that you may have.

Business After Hours

Use a Bristol County Chamber of Commerce realtor to sell your home or commercial property! Carolyn A. Burton Real Estate 432 Durfee Street Fall River, MA 02720 (508) 965-4352 Castelo Group 1052 Pleasant Street Fall River, MA 02723 (508) 674-7070 Century 21 Associates Realty LLC 657 Pleasant Street Fall River, MA 02721 (508) 567-8604 Cheryl Darnbrough Real Estate 215 Bank Street Fall River, MA 02722 (508) 677-2423 Collins Commercial Real Estate, LLC 246 Durfee Street Fall River, MA 02720 (508) 676-8500 Commonwealth Landings Loft 1082 Davol Street Fall River, MA 02720 (774) 365-4395 Curtain lofts 420 Quequechan Street Fall River, MA 02723 (508) 675-4819 Durfee Union Mills, S & S Limited, Inc. P.O. Box 1510 Fall River, MA 02722 (508) 674-2200

2017 Schedule

Ferris realty 57 North Main Street Fall River, MA 02720 (508) 676-0625

Ponte & Associates Real Estate, Inc. 2211 Pleasant Street Fall River, MA 02723 (508) 324-4800

First Choice Real Estate 800 Davol Street Fall River, MA 02720 (508) 675-0642

RCSI Property, LLC 10 Purchase Street Fall River, MA 02720 (508) 717-6000

Four Winds 5500 North Main Street Fall River, MA 02720 (508) 673-3640

REMAX Right Choice 570 Robeson Street Fall River, MA 02720 (508) 677-3629

Frank Smith Insurance and Real Estate 246 Gardners Neck Road - P.O. Box 302 Swansea, MA 02777 (508) 675-5557

Revolv Real Estate 927 County Street Somerset, MA 02726 (508) 644-8995

IMG 188 Tremont Street Fall River, MA 02720 (508) 677-3045

South Coast Landings 4980 North Main Street Fall River, MA 02720 (508) 675-0517

Jefferson Realty LLC 753 Davol Street Fall River, MA 02720 (508) 677-4428 KAM Realty 1068 Slade Street Fall River, MA 02724 (508) 677-1600 Lanagan & Co, Inc. 35 A Union Street New Bedford, MA 02740 (617) 848-1240 Nery Corporation 700 Pleasant Street New Bedford, MA 02740 (508) 990-9800 Contact: Kevin Nery

Steven A. Harrington 19 South Street Fall River, MA 02721 (508) 676-1033 Streamline Realty Group, LLC 1211 GAR Highway - Suite 3 Swansea, MA 02777 (774) 322-9200 Summit Companies P.O. Box 248 Raynham, MA 02767 (508) 217-4422

Wednesday 6/28 5:00 - 7:00 p.m. Location: FRMCU 333 Milliken Boulevard Fall River, MA Sponsored by: Fall River Municipal Credit Union Thursday 7/13 5:00 - 7:00 p.m. Location: Jerry Remy’s Sponsored by: Anthony Cordeiro Insurance Thursday 7/27 5:00 - 7:00 p.m. Location: Tipsy Seagull Sponsored by: Tipsy Seagull Wednesday, 8/9 5:00 - 7:00 p.m. Location: 99 S. Main Street Fall River, MA Sponsored by: Justice Resource Institute Wednesday 8/30 5:00 - 7:00 p.m. Location: 330 Swansea Mall Drive, Swansea, MA Sponsored by: BayCoast Bank Wednesday 9/27 5:00 - 7:00 p.m. Location: TBD Sponsored by: Bank Five Wednesday 10/25 5:00 - 7:00 p.m. Location: 4 South Main Street Sponsored by: People, Inc. Thursday, 11/16 5:00 - 7:00 p.m. Location: Venus de Milo Sponsored by: Venus de Milo, The Herald News & The Bristol County Chamber of Commerce Thursday 12/7 5:00 - 7:00 p.m. Location: White’s of Westport 66 State Rd. Westport, MA Sponsored by: White’s & Carl’s Collision


human reSourCe adVICe by: commitment. Unfortunately, not all role models and mentors recognize that. They think their protégés will simply observe and learn. But the fact is, developing skills and talents in others takes much more than just showing up.

Ineffective task management:

Neglectful of own personal development:

Human Resource Insight: The Pitfalls of Leadership Incompetency

As a manager, you need to listen as well as talk. Take the time to listen to peers, subordinates, vendors and

As an effective manager, you do more than just supervise employees, you take responsibility for their success and you are responsible for your team achieving their goals year after year. A successful manager needs to be a successful coach; and here in New England, my role model would be Bill Belichick as the Patriots consistently wins championships year after year. Like a winning coach, a successful manager is both talented and skilled.

customers without thinking of what you want to tell them when they stop talking. Try to understand other people’s positions and don’t be quick to dismiss other people’s position.

Effective managers know how to set priorities. They see the big picture and they can break it down into specific tasks to accomplish the goal. They are skilled at assessing their resources, (think about Bill Belichick’s abilities to lose only one game when Tom Brady was out for 4 games), allotting time and materials, motivating people on the job, and ensuring that each and every deliverable is accomplished on time and on budget. “85% of all operational failures are the fault of fallible managers, not failing workers.

Weak leadership capabilities:

Insufficient production:

Good managers set an example by doing – walk the walk and talk the talk. Managers keep their promises, respect confidences, answer difficult questions, take responsibility, don’t blame others for mistakes, be consistent in their actions, don’t wait for a communication gaffe to address questions about team members’ abilities and effectively delegate responsibility.

Insufficient production can have a myriad of causes. It could be a simple lack of resources or funding; it could be unrealistic expectations. Some managers lack the technical knowledge to ensure that production demands are met. And, of course, some people just seem to have a bias against taking action. They lack a sense of urgency and won’t take initiative, even on matters that are critical to the organization. They take a “wait and see” attitude when they should be taking concrete action.

Bill Bellicheck’s first years as a coach were not successful, but he learned the skills needed to be successful and you, as a manager, can develop the tools necessary to build a championship team, Successful companies provide their managers with information and the tools managers need to understand the capabilities and styles of their teams and the ability to change when necessary The slogan “we have always done it that way” is not acceptable if you want to be a championship company year after year. Below we have identified the signs of incompetency in managers and how to overcome them: Poor communication skills: Communication is a two-way street. 10

and tolerant. Try praising more than criticizing, and when you need to criticize an employees’ effort, focus on the behavior. Be careful not to embarrass other people and say what needs to be said even if it’s uncomfortable.

Inability or unwillingness to adapt to change: Change is hard, but effective managers know how to handle it. They adjust to new circumstances and when things are ambiguous, they remain confident and seek solutions. Remember “the only constant is change”. The trick is to enable change and be a change agent. Poor relationship-building skills: Relationships require a two-way communication channel to build an effective relationship. Be respectful

Poor developer of others: Just like relationship building, developing other people’s talents is an art – one at which not everyone is adept. Developing others can be hard work. Not everyone is naturally capable of delivering constructive criticism. Nor is everyone observant enough to make note of another person’s habits, including the habits that need to change. Being a role model or a mentor takes

It sounds reasonable enough, but we’ve observed many managers who fail to develop their own communication styles, organizational skills or work habits. They might claim that they’re committed to the organization or the team, but unless they’re willing to continually improve their own skills and talents, how will they ever recognize how important personal development is for the whole team? Sound familiar? Interested in Learning how to improve leadership skills? Contact Ken Graves at 508-4680233 or email support@talentvalue. com Written by: Ken Graves, CEO, TalentValue International, Inc.

What Clients Say About Talent Value: TalentValue International, Inc. is focused on solving the people issues that business owners and leaders face each and every day and which can ultimately compromise productivity and customer service. We believe passionately that no matter the size of your organization our cost effective solutions and internet technologies will help you build a high performance organization.

Member Spotlight: Carey, Richmond & Viking Insurance

For your dose of Reality... Call 508-676-2515

Erin Foley, with Carey Richmond & Viking Insurance, has 5 years of experience working with clients in the financial and insurance industry. She believes that great customer service and proper coverage are more important than anything and specializes in Flood, Home & Auto insurance. When she started working at Carey, Richmond & Viking Insurance she set out with an objective to educate clients on protecting their most valuable assets. Erin is very diligent in helping her customers achieve full coverage with the most competitive premiums by looking at the full picture.

86 Faunce Corner Mall Road, Suite 420, in North Dartmouth, MA. They currently have 3 offices and are now located in North Dartmouth, MA and in Middletown and East Providence, RI. Erin is licensed in MA & RI and the agency is licensed in 30 states and Canada. For additional information about Carey Richmond & Viking Insurance please visit www.crvinsurance. com or call (508) 742.4564. Erin can also be reached by emailing efoley@crvinsurance. com

Carey, Richmond & Viking Insurance has been in business for over 55 years. Recently they closed their office in Downtown New Bedford and opened up a new location at


buSIneSS adVICe: Is Your Portfolio as Efficient as It Could Be?

When you look at a line chart of an investment’s historical performance, one feature to note is its volatility – how frequent and how extreme the ups and downs have been. This is significant because volatility is the most commonly used measurement of an investment’s risk. The greater the volatility, the riskier the investment is considered to be. If you viewed a chart comparing the stock market’s vs. the bond market’s performance, you’d see stocks have been significantly more volatile than bonds. Logically then, a 100% bond portfolio should be less risky than one including both bonds and stocks. Right? Not so fast. In fact, according to a Morningstar study for the years 1970 through 2015, a portfolio comprising 67% bonds (measured by the 20-year U.S. government bond) and 33% stocks (using the Ibbotson Large Company Stock Index) offered less risk and better returns than a 100% bond portfolio. In other words, the former was more “efficient” than the latter, which leads to a concept investors should be aware of: the efficient frontier. Start with the basics Having a grasp of the efficient frontier begins with understanding: • Is Your Portfolio as Efficient as It Could Be? • How diversification can help manage risk and return In general, risk and return go hand-in-hand. As an investment’s risk increases, so should its 12

return. If you buy a Treasury bond, the return will probably be low because the risk of default is minimal. If you buy a stock, however, the potential risk is significant – think back to what happened to stocks during the Great Recession – and you should expect a greater return potential as “compensation” from the market for accepting that additional risk. (A high risk/low return investment is probably not a good idea.) Diversification is simply blending different investments in a portfolio in an effort to manage risk and return. The result is your “asset allocation.” A very simple asset allocation might include stocks, which tend to be risky but offer growth potential, and bonds, which have been more stable and provide income (interest). You can help manage your risk and return by how much you allocate to each type of investment. For example, if you have a 75% stock/25% bond portfolio, it should offer a greater risk and return potential than one that’s 25% stocks/75% bonds. Getting to an efficient frontier Of course, there are lots of other investments for you to choose from, and there are an infinite number of portfolios you could construct from the stocks, bonds, and other assets available. Each of these blends has a unique overall risk and return level. If you plotted them all on a chart, you’d likely see what’s shown in the hypothetical graph below. The “pies” – representing different asset allocations – farthest to the left and highest up are the ones with the best expected risk/return tradeoffs. If you connected those “dots,” you would have it: the efficient frontier. That’s what the efficient frontier is, but what does it mean for investors? It means that if your risk/return tradeoff doesn’t land along the frontier, your portfolio is not as efficient as it could be. You’re taking on too much risk for the level of return you’re getting, and you probably need to make adjustments to decrease risk, improve return, or both. Finding help Determining whether your portfolio is as efficient as it could be may require help from a professional Financial Advisor. He or she will likely ask about your goals (what you’re investing for), time horizon (how long until you need to tap into your investments), and risk tolerance (how comfortable you are with swings in your portfolio’s

value). Based on your responses, your advisor can help build a portfolio designed to help reach your goals as efficiently as possible. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns. This article was written by/for Wells Fargo Advi sors and provided courtesy of Nelson Dias, Financial Advisor in Providence, RI at 401-459-6872. Investments in securities and insurance products are: NOT FDIC-INSURED/NOT BANKGUARANTEED/MAY LOSE VALUE Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company. © 2017 Wells Fargo Clearing Services, LLC. All rights reserved.

Community News:

Southcoast Autism Center Hosts Grand Opening of Fall River Location Southcoast Autism Center, an intensive Applied Behavior Analysis center for children and families affected by Autism, hosted an Open House recently attended by local and state officials who turned out to congratulate the owner and team on their new location. Fall River Mayor Jasiel F. Correira, Massachusetts State Senator Michael Rodrigues, and Massachusetts State Representatives Carol Fiola, Paul Schmid, and Alan Silvia attended the Open House and ribbon-cutting. Representative Fiola presented an official commendation to Executive Director Dr. Sinead Petersen from the legislature, congratulating the facility on its second location. The Mayor and state officials were joined by Fall River City Councilor Steven Camara and School Committee member Paul Coogan. Dr. Sinead Petersen, owner and Executive Director of the Center, welcomed the officials to their Center, located at 657 Quarry Street, Tower Mills in Fall River. Southcoast Autism Center has been serving the needs of families in the Southcoast Region since 2013; the additional location, she

said, is in response to inquiries from the Fall River area for the types of early intervention and treatment services that their Center offers. Southcoast Autism Center is recognized as a leader in successful, early intervention treatments that give children a significant advantage as they enter public or private schools. Treatments can begin as early as 18 months, and Southcoast Autism Center uses the ABA (Applied Behavior Analysis) process of systematically applying interventions based upon the principles of learning theory to improve socially significant behaviors. Southcoast Autism Center specializes in helping both verbal and non-verbal children who have been diagnosed with Autism. Their family-friendly, warm, personal environment provides one-on-one work with the region’s leading highly-skilled therapists, and is the only center in the area which focuses on early intensive treatment. The treatment programs of Southcoast Autism Center provide great advantages for children as they approach school age. Dr. Petersen said, “We are delighted to be here in Fall River and are grateful to the officials who took the time out of their busy schedules to see our facility and wish us well.” Southcoast Autism Center also operates at 69 Main Street, Fairhaven, MA, which will continue to serve families in the Fairhaven-Dartmouth-New Bedford region. About Southcoast Autism Center

Southcoast Autism Center specializes in compassionate, highly-skilled early intervention treatment of Autism Spectrum Disorder of children from ages 18 months to 6 years. Experienced and highly-trained therapists assist children and families of children with Autism, providing support for both verbal and non-verbal children. Programs include Foundations, which provides intensive, 1 on 1 ABA (Applied Behavior Analysis) therapy for non-verbal children in a nurturing environment, teaching them the value of communication; and Connections, which teaches children how to make and keep friends as well as how to participate in a classroom setting. Additionally, the Center serves youth from ages 6 to 18 in its Social Skills Groups. Students enrolled in the daytime programs can stay with the Center until the age of 6, at which time the Center helps the child and family transition into the public/private school setting. Many insurance plans provide coverage for the diagnosis and treatment of children with Autism Spectrum Disorder. Southcoast Autism Center Founder and Executive Director Sinead Petersen earned her doctoral degree from Simmons College and has more than twenty years’ experience working with children with Autism and other developmental disorders. Prior to founding Southcoast Autism Center, she served as clinical director for a private school serving children with Autism. She has created and led several public school Autism programs. Dr. Petersen’s experience also includes working as a school and home-based behavioral therapist, designing training protocols for ABA therapists and supervisors, and consulting with families and schools. Her specializations include verbal behavior and parent training. Dr. Petersen leads a team of 20 therapists and support professionals at Southcoast Autism Center. For additional information, or to request a tour of their facility, please call 508.997.1311 or email info@scautism- The Center’s website is Photo (above): Fall River Mayor Jasiel F. Correira and a few helpers prepare for the ribbon-cutting to commemorate the opening of the Southcoast Autism Center in Fall River. Shown with Mayor Correira are Dillon and Sophie, and Matthew is behind Dillon. Shown also in background is Dr. Sinead Petersen, Executive Director of Southcoast Autism Center. Photo: (left) Fall River Mayor Jasiel F. Correira congratulates Dr. Sinead Petersen (right), Executive Director of Southcoast Autism Center, and her husband Erik Petersen (far left) on the opening of their new location.



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Bristol County Business News June 2017  
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