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

2017 Co-Title Sponsors

Bristol County Chamber of Commerce Membership Matters By: Robert A. Mellion, Esq. President & CEO, Bristol County Chamber of Commerce, Inc.

Chamber membership matters. Who else but the Chamber is going to defend and advocate for area businesses? The answer is no one. Earlier in the year, the Board of Directors voted unanimously to change the Chamber’s name to the Bristol County Chamber of Commerce, Inc. The change of name to the Bristol County Chamber of Commerce embraced the reality that over fifty percent of the membership are businesses located outside of Fall River. The name change also took into account that businesses frequently conduct commerce outside the Chamber’s previously defined service area. Companies in Providence, Newport County and northward to Boston, additionally want to connect with Bristol County. Changing the corporate name to the Bristol County Chamber of Commerce also better reflects who the organization is today by incorporating into its name a focus toward regional economic issues and expanded advocacy aimed at improving the business climate throughout all of Bristol County. The Chamber’s advocacy and strong support of the recently filed

Notice of Project Change (NPC) for SouthCoast Rail by MassDOT is a good example. In addition to support of the NPC request, the Bristol County Chamber of Commerce Board of Directors also want to see MEPA expedite any actions that allow “Phase One” of the SouthCoast Rail project to be constructed. It is understood that the Southern Triangle of Phase One is essential to either the Stoughton Route or the Middleborough Alternative. Therefore it is commonsense that work on Phase One starts now. Another important matter taken up by the Bristol County Chamber of Commerce Board of Directors is strong opposition to the proposed health care insurance assessment on businesses, which really acts as a new tax. The Chamber’s concerns are very real as the House of Representatives has given a green light for the assessment to proceed within its proposed FY2018 Budget. Now the Senate, who has proposed a higher than $2000 assessment per employee, are taking up the matter. In addition to serving as an effective voice for business since 1911, Cham-

ber membership directly benefits a company’s bottom line through business referrals. You may not be aware, but consumers, elected officials and businesses call the Chamber every day seeking referrals. To assist in matching businesses with potential clients the Chamber maintains lists of member insurers, manufacturers, service providers, restaurants, tourist attractions, builders, realtors, attorneys, accountants, plumbers, retailers, etc., which are supplied upon request. The Chamber has also created an energy cost savings program for small business. Another great cost savings benefit is the Member-to-Member discount program. Member to member discounts allow business owners and employees of each member business the opportunity to receive a discount from participating businesses just by presenting their Chamber membership card. Participation in the Member-toMember discount program is a way to generate new business leads.

2017 Gold Sponsors

One way to view all the great member only discounts is to download the (Continued on Page 3)

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

BUSINESS NEWS (Continued from cover)


Chamber App.

All meetings are held at the Chamber unless otherwise noted

The Chamber App, sponsored by Gold Medal Bakery, has many great features such as discounts and turn by turn driving directions to Chamber member businesses. Downloading and use of the Chamber App is free.

05/12 FRI.................................Education Committee Meeting 11:30 a.m.

To help you grow a business the Chamber offers a variety of business networking and social events throughout the year. These events are free to Chamber members. They are designed to generate occasions for introductions, information sharing and provide new business leads and growth potential. A member business may also benefit by participating in one of our 40 or more business seminars and workshops. Did you know that notary public services are provided as a free benefit to members? Certificate of Origin stamping is another free service to Chamber members. The Chamber additionally provides free employment and classified ad listings for members on our website, and there is so much more!

05/19 FRI.....................................Government Affairs Meeting Location: Diman Regional Vocational Technical High School 8:00 a.m.

The bottom line is that good things happen for businesses that are members of the Bristol County Chamber of Commerce. As always, if you have any questions or need additional information please visit us at 200 Pocasset Street, Fall River, or call the Chamber immediately at 508-676-8226. You can also visit for an update of available services and programs.

05/25 THURS..........................................Business After Hours Located at Mallard Printing 5:00 p.m. - 7:00 p.m. Sponsored by: Mallard Printing

05/22 MON...............................Executive Committee Meeting 11:45 a.m. 05/24 WED.........................................................Board Meeting 11:45 a.m.

In advance, thank you for the continued support of the Bristol County Chamber of Commerce. Please join the Chamber today if your business is not already a member. Bristol County Chamber of Commerce membership matters.



49th Annual Outstanding Community Service Awards Banquet in memory of John S. Brayton, Jr. Thursday, June 22nd at White’s of Westport

Robert A. Mellion, Esq. President & CEO


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

Member Spotlights....................Page(s) 5,8 & 11

Community Business News....Page(s) 6 & 10

Legislative News.........................Page 9

Business Advice..........................Page 12

Member Discounts.....................Page(s) 14 & 15


Chamber in the Community

106th Annual Meeting of the Bristol County Chamber of Commerce Pictured left to right: Aaron Couto (Young Entrepreneur Award) Lori Branco (Chairman’s Award) Linda Baker (Business Excellence Award) Nick Christ (President’s Award) (Not pictured: New Boston Bakery, Business Excellence Award)

106th Annual Meeting of the Bristol County Chamber of Commerce Pictured: Mike Tamburro: Vice Chairman, Pawtucket Red Sox

Jerry Remy’s Business After Hours Pictured left to right: Food Network Star Chef Courtney Rezendes (Just That Sweet ) Kelly Andrade (Senator Michael Rodrigues’ office)

106th Annual Meeting of the Bristol County Chamber of Commerce Pictured left to right: Dan Balboni (Director of Business Development, Bristol County Chamber of Commerce) Fatima Vieira (Ambassadors Award) Nick Christ (President & CEO BayCoast Bank)


Jerry Remy’s Business After Hours Pictured left to right: Donna Souza-Lord (LaFrance Hospitality) Joshua Blais (Legacy Supply) Renee Borges (LaFrance Hospitality)


A Legacy of Customer Service Providing personalized service and quality restaurant and janitorial products isn’t just Joshua Blais’s career. It’s his legacy. Inspired by his grandfather’s nearly 50-year-old business of supplying paper and plastic goods to local companies, Blais ventured out on his own in 2010, forming Legacy Supply. The Fall River-based company sells the essential

products that every business needs to operate, ranging from paper towels to toilet tissue to cleaners and trash bags. Legacy Supply serves customers across Southeastern Massachusetts, including professional offices, laundromats, restaurants, hotels, healthcare facilities and schools. It’s Legacy Supply’s personalized approach to each customer that sets them apart from other suppliers. Blais meets with each customer to review what they use and suggests the best products at the best price. “My first step is always to understand my customer’s needs,” Blais said. “If I know what they are trying to accomplish, then I can provide a solution that works for them.” Sometimes that solution is changing brands, purchasing a new product or tracking down a hard-to-find item. Blais reaches out to a variety of manufacturers and researches the best options for the customer. Many customers need a custom-sized bag or box or a tamperevident container for food. It’s this research into specialty products and problem solving for a customer that shows Legacy Supply’s personalized service.

For customers looking to stand out from the crowd, boxes, bags and disposable drinkware imprinted with a business’s logo are also available through Legacy Supply. “I love going into a bakery and seeing their baked goods packaged in a box that we designed together,” Blais said. “Not only did we develop a way to display their product, it elevates their branding, too.” Legacy Supply is also a major supplier to local restaurants and bakeries. Packaging solutions like paper bags, take-out containers, plastic bags and specialty boxes are among the products that Blais offers, as well as basic bar and restaurant supplies. In response to restaurants’ needs to lower operational costs while continuing to turn out quality food, Legacy Supply recently added oil filtration solutions to its menu of products. Through Legacy Supply, restaurants may purchase a machine that filters the oil used in fryolators and a powder additive that cleans and extends the life of the oil. This process can amount up to an estimated 50 percent savings in oil.

“Offering oil filtration products has been a huge benefit to my restaurant customers. As cooking oil and other food costs rise, this cost-savings is significant,” Blais said. Convenience and efficiency is also a tenet of Legacy Supply’s operations. Each customer is set up with an individual online ordering account, where they can easily place an order from a list of their frequently ordered products. “My customers appreciate not having to look through a huge list of items. It saves time and with just a few clicks, their order is in my inbox,” Blais said. Delivery is free, another benefit of ordering from this local company. Legacy Supply is there fast, especially if it’s an item that they already stock. Customers know they can call Blais anytime, and he’ll be there. Legacy Supply Joshua Blais 508-496-9691


Community Business News routine. Conveniently located in destination retail outlets including major discount retailers, convenience, grocery and pharmacy stores, Allpoint Network ATMs save members of FRMCU time as well as ATM fees. FRMCU JOINS THE ALLPOINT ATM NETWORK Fall River, MA – Fall River Municipal Credit Union has joined Allpoint Network, which means FRMCU members now have access to America’s largest surcharge-free ATM network, with some 55,000 surcharge-free ATMs worldwide. In addition to FRMCU’s branch locations and ATMs, with Allpoint Network, FRMCU members will never be far away from surcharge-free ATM access to their cash, especially in the United States where Allpoint offers 43,000 cash machines in places they’re already visiting as part of their daily

“By becoming an Allpoint Network member financial institution, in an instant FRMCU grows its surcharge-free ATM footprint to more than double that of even America’s largest bank,” said Matthew G. Schondek, President and CEO. “People want a financial services provider that delivers the most convenient account access and management options, and that includes cash access. With Allpoint Network surcharge-free ATMs, FRMCU can meet our member’s cash access needs in a way that works best for them in the conveniently located stores that are already part of their lives.” FRMCU members can find the nearest surchargefree Allpoint ATM with their smartphone using the free Allpoint Network ATM locator app. And once

at the store hosting an Allpoint ATM, look for the green Allpoint logo. FRMCU members can always find the nearest participating surcharge-free Allpoint ATMs usingthe Allpoint ATM Locator by downloading the free Allpoint mobile app. Allpoint Network is the largest surcharge-free ATM network with more than 55,000 ATMs in leading national and regional merchant locations across the United States, Canada, Mexico, United Kingdom and Australia. Allpoint provides greater access, convenience and savings to customers of financial institutions while providing institutions the tools to compete more effectively for customers. For more information or to find the nearest Allpoint surcharge-free ATM, please visit www.AllpointNetwork. com, like us on Facebook and follow @Allpoint on Twitter. Allpoint Network is a wholly-owned subsidiary of Cardtronics plc (Nasdaq: CATM).

"Representing Fine Companies Such as"

Fall River Office 155 North Main Street Phone: 508-673-5808


New Bedford Office Taunton Office 949 Ashley Blvd. 53 County Street Phone: 508-823-0073 Phone: 508-998-2101

New Members EZ Disposal Joined 3/27/17

Nellie’s Phototainment Joined 3/31/17

American Aerial Equipment Joined 3/31/17

Whaling City Transit Joined 4/6/17

Photographer Lisa Anne Joined 4/11/17

FMC Ice Sports Joined 4/11/17

Aspire Dermatology Joined 4/12/17

Displays2go Joined 4/13/17

Higgs Paint

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

Joined 5/9/17 For information on joining the Chamber please contact: Dan Balboni Director of Business Development (508) 676.8226 7


Providential Partners, LLC provides tailored solutions and strategies to families, individuals, and business owners in order to help them achieve their unique financial goals and objectives. Understanding a client’s philosophy about their money is at the very heart of their service. Whether a client is serious about sustainable investing or concerned about mapping out retirement income, the team strives to provide a superior client experience to help ensure the highest level of client satisfaction. Providential Partners stands out from some others as it does not impose account size minimums for new clients. Business owners and managers face many challenges in today’s competitive environment. Retaining talented staff is of vital importance to stay

ahead. Offering the right benefits is the ultimate value proposition to any employee. Providential Partners supports employers toward that endeavor by providing financial education workshops on a wide variety of topics at the worksite. Knowledge is power. By empowering employees, companies strengthen their culture and their competitive edge. President and founder Trey Whalley has over twenty years of investment management experience. Prior to his career as a Financial Advisor, Trey was an Equity Analyst for a Wall Street firm. He holds the Chartered Financial Analyst® (CFA) designation and is a member of the CFA Society Boston. The CFA credential has become one of the most respected and recognized investment designations in the world. Trey is one of only 122 advisors out of 15,000 in the greater Boston area who have received the Five Star Wealth Management Award for over six consecutive years. This year’s list of recipients was featured in the February edition of Boston Magazine. Trey is a long time resident of the South Coast of MA where he resides with

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


his family and has held several leadership positions in community service organizations. Michael Depot, Senior Associate, specializes in insurance and in helping educators save for retirement. With a past experience of running a successful family business for over 22 years, Michael can easily relate to his business clients’ needs. He grew up in Pawtucket, Rhode Island and resides in Cranston, Rhode Island with his wife and their four children. Michael enjoys spending his free time with his children at their various sports events, entertaining family and friends, and making wine. Karen Nolan, Case Design Manager, assists with financial planning and Required Minimum Distribution processes. Prior to joining Providential Partners, Karen had many years of business experience including roles as a Product Analyst and Allocation Manager for a major retailer. She is a graduate of Providence College where she earned a Bachelor of Science degree in Business Management with a minor in Marketing. Outside of the office, Karen is an avid photographer and a community volunteer. She enjoys traveling, playing tennis and spending time with her family in Plymouth, Massachusetts.

Andrea Looney, Operations Manager, currently oversees all aspects of client service, new account establishment and marketing for the firm. She also helps develop promotional material and manages the company’s website and social media pages. Andrea has a strong business background which includes a Bachelor of Science in Management with a concentration in Marketing as well as minors in Accounting/Finance and Public Relations from Bridgewater State University. When Andrea’s not working she enjoys staying active outdoors, going to the movies and traveling. Registered Representative/Securities and Investment Advisory Services offered through Signator Investors, Inc., Member FINRA, SIPC, 138 River Road, Suite 310, Andover, MA 01810, 978-689-9303, a Registered Investment Advisor. Providential Partners, LLC is independent of Signator Investors Inc. 103-20170315358217 The Five Star Wealth Manager Award is a client services award issued by Five Star Professional, based on an overall evaluation score of a wealth manager that reflects an average of all respondents and may not be representative of any one client’s experience. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional or Boston Magazine.

Legislative News Nothing Fair about the Proposed “Fair Share Assessment” In January, Gov. Charlie Baker filed his $40.5 billion FY18 state budget proposal. Included in the proposal is a return of the former “Fair Share Assessment” on employers that was part of the old MA Health Care reform law. However, unlike the old $295 per employee assessment, the new version is nothing less than a money grab from small businesses. As background, the original “Fair Share” regulation was established in 2006. This assessment was never intended to be a revenue generator as it only raised about $7.5 million. Not much revenue was needed in 2006, because “Romney Care” was federally subsidized. The new proposal is completely different. Its purpose is to fill a hole in the state budget by placing a far greater tax burden on small and mid-sized businesses. There is nothing “fair” about it. The proposed assessment is clearly intended to raise hundreds of millions of dollars in taxes from unsuspecting Massachusetts employers who are doing the right thing by offering insurance plans to their employees. No employer can legally force or coerce 80% or more of their employees to use a health insurance plan offered by the company. Any employer who acted in such a manner would be either prosecuted or sued. That is why the Assessment acts as a tax. The original plan would have levied a $2,000 per employee assessment on employers who do not contribute $4,950 per full-time employee (FTE) annually, or have an 80% uptake rate for all FTEs. The House of Representative has since put forward their FY2018 Budget with “Fair Share Assessment” language included. In order to avoid the stigma of $2,000 per employee, they left it to an agency to determine how much and how exactly the Assessment will be triggered. Now the Senate is working on their version of the FY2018 Budget.

Business After Hours Senate President Stanley Rosenberg is already on record stating that some kind of “Assessment on businesses” has to be done to pay for the growing funding gap in MassHealth. The new assessment is said to be needed in order to close a $600 million budget gap in the state’s MassHealth Medicaid program. Small businesses, a majority of whom offer health insurance plans, did not create the existing fiscal dilemma where 30% of state residents are enrolled in MassHealth. It is also worth noting that health care makes up more than 40% of Massachusetts’ proposed $40.3 billion budget. Legislators should first address the exceptionally high cost of health care before inventing new ways to take money from businesses. Please keep in mind that this Legislative Session also includes bills that if enacted would mandate Employer Paid Family Leave, Strict Scheduling, a $15 Minimum Wage, the Millionaire’s Tax (another tax on businesses) and further increase energy costs. All of these anti-business bills are supported by many legislators and are being seriously considered all at once. It is why employers across the state are absolutely stunned to find out that the Assessment is practically a done deal. It is hoped that this is not true.

2017 Schedule Thursday 5/25 5:00 - 7:00 p.m. Location: Mallard Printing 657 Quarry Street Fall River, MA Sponsored by: Mallard Printing Wednesday 6/7 5:00 - 7:00 p.m. Location: The Cove 392 Davol Street, Fall River, MA Sponsored by: Saint Anne’s Credit Union 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 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. Sponsored by: Venus de Milo, The Herald News & The Bristol County Chamber of Commerce Thursday 12/7 5:00 - 7:00 p.m. Location: 66 State Rd Westport, MA Sponsored by: White’s & Carl’s Collision

In the days ahead it is hoped that State Legislators contemplate the impacts of the Assessment to businesses. They should also balance the totality of the impacts when considering additional anti-business laws such as Employer Paid Family Leave, Strict Scheduling, and a $15 Minimum Wage. Hopefully they can conclude that this is too much for Massachusetts businesses to absorb at once.

Robert A. Mellion, Esq. President & CEO Bristol County Chamber of Commerce


Chamber Congratulates Mallard Printing announcements but to bulk mail them out to their customers as well, saving the businesses considerable time and adding a much needed cost- savings as well. Mallard Printing’s focus continues to expand beyond printing, with the ability to provide Graphic Design, Digital Printing, Offset Printing, Large Format Printing, Full Service Bindery, Full Mailing Services, Warehouse Services, Consignment Program and Promotional Products to its many customers. Mallard Printing While its name Mallard Printing has been synonymous with printing services across southeastern New England since the businesses’ humble beginnings back in 1998, owners Jeff Marques and Bob Lunquest have pushed the company to be so much more than that. First opening in New Bedford nearly 20 years ago now, the pair would move to Fall River in 2001, expanding its operation a half dozen times to meet the growing and diverse needs of its increasing customer base. Upon its move to Fall River, Mallard Printing initially took up approximately 1,800 square feet of space on second floor of the Tower Mill building located at 657 Quarry Street. Shortly after the relocation and re-opening in Fall River, Mallard would expand its initial footprint to include an in-house art department, adding on another 2,500 square feet to its mill business footprint. By 2003, Mallard would again expand, this time to include an extended warehouse to allow for inventory orders for its clients who don’t have the space for their printing supplies but wanted to order in bulk to allow for increased cost savings. “We found and continue to find that when it comes to the printing business in general, you have to keep up with the trends and the new technology or you will be left behind it,” said Lunquest. “At Mallard, we always tried to stay ahead of both, early on and even today.”


Two years later, Mallard expanded again to include an in-house mail facility-adding another 2,000-square feet of additional space-when demand for mailing services began to increase and businesses, struggling to find time for their marketing initiatives as it was, needed Mallard to not only print their business postcards and

“We have grown through quality work, referrals, community involvement, competitive pricing and most of all, our dedication to quality customer service,” said Marques, who noted they employ a staff with over 100 years of combined graphic design, marketing and printing experience which comes in handy when businesses need to lean on that knowledge to determine their best approach to getting their message out. Both Marques and Lunquest, ever since their early days of business ownership, have devoted a great deal of their personal time to area non-profits and community groups, giving back where and when they could. They have always encouraged their employees to do the same and many of them have, serving as Ambassadors to the New Bedford or Fall River Chambers as well as part of a handful of other groups. Marques served for years on the Fall River Area Chamber of Commerce Board of Directors, now known as the Bristol County Chamber of Commerce as well as part of the Board of Directors on the University of Massachusetts- Dartmouth’s Center for Marketing Research. Lunquest served for more than a decade with the Rotary Club of Fall River, heading up a number of the Rotary’s community events over the years. Through all their volunteering and giving back, as the years wore on and other businesses around it struggled to get by as the printing industry, as it is today, was in a constant state of transition and change, Mallard continued to expand not only its square footage but it’s offerings to its customers. They would borrow empty space from time to time at Tower Mill to work on large bindery projects and then they added to their sales team, creating the need for even more additional space. All in all, even through the Great Recession, Mallard Printing quietly went about growing its business, growing its customer base and expanding its operation quietly near the heart of Fall River, known for centuries as the Spindle City. It had become a fitting

home for Mallard Printing and they weren’t done yet. By March 1st of this year with a business stretched out over three floors, Mallard moved its over-extended and multi-floored operation to the 4th floor, allowing the staff to now have everything on one floor with additional space totaling nearly 16,000-square feet, a far cry from its 1,800-square foot beginnings. “We’ve been able to expand a number of times over the years to better improve our business and moving the entire operation to the fourth floor made sense from a business standpoint as well as for our employees,” said Lunquest. “It allows us to streamline our operations and makes it easier to promote other aspects of our business.” One such sector of their business that’s growing at Mallard, a $17 billion dollar industry, is promotional products. Mallard Printing had dove into the promotional product world as a distributor and member of the Advertising Specialty Institute. These promotional products, also known as ad specialties, are used by virtually every business in America, said Marques. Items like mugs, pens and t-shirts are memorable and provide a better cost per impression for advertisers than almost every major marketing effort like TV, magazines and the Internet, he said. “We are able to supply your company with every possible promotional product from over 3000 suppliers,” said Marques. “With so many ad specialties available there is a hug e opportunity for professionals to boost a return on investment and leave a lasting impression with customers, helping them to create long-lasting relationships with their clients through the power of promotional products.”” Mallard Printing has an in-house art department with designers who can come to the business customer to help make the job happen perfectly and a sales team always ready to help. “At Mallard Printing, we are dedicated to providing quality printing solutions for a wide variety of clientele,” said Marques. Coming on its 20th year in business in 2018, Mallard Printing shows no signs of slowing down. Like its industry, they are always changing and that’s a good thing for them and their customers. “We are committed to delivering the absolute best products with the quickest possible turnaround time, all at fair and reasonable prices,” Lunquest said. “Whether you’re a long time customer or testing the waters for the first time, you’ll rest comfortably knowing that your job is safe with us.”


Since 1991, home buyers have turned to the financing professionals at Residential Mortgage Services, Inc. (RMS) to make the “last mile” of the road to home ownership as simple and straightforward as possible. From helping prepare your initial paperwork through closing on the home of your dreams, you can trust that we have you covered. RMS is an independent, privately held direct lender of residential mortgage products, and our team of loan specialists – led locally by Branch Manager Paul Matos (NMLS# 9610) and Loan Officer Paul Faggioli (NMLS# 292495) – have direct access to a full spectrum of integrated loan processing, underwriting and direct lending services, all under one roof. Combine this experience with our “customer first” approach and what you’ll get is fast, friendly service that has helped RMS become the top-ranked purchase transaction loan originator in Bristol County and #1 statewide with MassHousing.

Thousands of homeowners have relied on our expert advice, broad product selection and high level of personal attention – contact us today to experience the “RMS Difference” for yourself! RMS - Fall River 275 High St., Unit 1 (508) 717.6105 RMS - North Dartmouth 77 State Rd. (508) 717.6100 Learn more or start your application online at: NMLS# 1760; MA Mortgage Lender & Broker License #MC1760; RI Lender License #20092626LL; RI Loan Broker License #20122931LB; Equal Housing Opportunity.


Business Advice Comparing IRA Choices: Roth vs. Traditional Which one is right for you? With the decline of corporate pensions and the aging U.S. population putting stress on the Social Security system, the burden of saving and planning for retirement falls increasingly on individuals. This is especially true for younger Americans. Yet, navigating the retirement savings account options as well as investment choices can be a daunting task. But taking the time to understand these choices can go a long way toward paving the way for a more secure retirement down the road.

There are no limits on income in order to be eligible to contribute, but account owners must begin taking required minimum distributions (RMDs) at age 70 ½. Roth IRA With a Roth IRA, there are no age restrictions for contributions. But you or your spouse, if married filing jointly, must have earned income. Contributions are not deductible. However, earnings may be withdrawn tax and penaltyfree provided: (1) the Roth account has been open for at least five years and you are age 59 ½ or older; or (2) the distribution is a result of your death, disability, or using the first-time homebuyer exception. Unlike Traditional IRAs, Roth IRAs have no RMDs. Please note that distributions taken prior to age 59 ½ may be subject to a 10% IRA tax penalty and ordinary income tax.

Most financial planning experts agree one of the most important retirement savings steps to take is to fully fund your 401(k) or other employer-sponsored retirement plan. If you’re not able to contribute the maximum amount, consider contributing as least as much as the employer’s matching amount, if available. Otherwise, you’re leaving free money on the table.

There are, however, limits on income in order to be eligible to contribute. If your income is too high to contribute to a Roth IRA, you can always contribute to a Traditional IRA, assuming you are eligible. Even if you can’t deduct your Traditional IRA contribution, you can take advantage of tax-deferred growth potential.

If your employer doesn’t offer a retirement savings plan or you’re able to save more, consider contributing to an Individual Retirement Account (IRA). Many people don’t realize you can contribute to an IRA even if you already partially or fully fund your 401(k) – you just may not be able to deduct your contribution.

How taxes affect your decision

There are two main types of IRAs – Traditional and Roth. One is not better than the other – each offers distinct features.

The primary driver of your decision is taxes. Assuming you’re eligible to contribute to both a Traditional and a Roth IRA, you need to decide if you’d prefer to get a tax break now for contributing to a Traditional IRA or put after-tax dollars into a Roth IRA and take tax-free withdrawals later, assuming you have met conditions to do so.

Traditional IRA With a Traditional IRA, you must be under age 70 ½ to contribute and you or your spouse, if married filing jointly, has earned income. Contributions may be tax deductible and earnings grow tax-deferred, meaning you pay taxes at the time the money is withdrawn or distributed, presumably in retirement. If you make non-deductible contributions, a portion of each distribution will not be taxable based on the percentage of before-tax and after-tax amounts in your Traditional IRA. Please


note that distributions taken prior to age 59 ½ may be subject to a 10% IRA tax penalty.

Now that you have an understanding of Traditional and Roth IRAs, you can decide which one works best for you. And, remember, you can contribute to both types of IRAs in any given year, as long as your total contributions don’t exceed the annual maximum.

time for any purpose without tax or penalty. However, taking out contributions can carry a steep opportunity cost because you’ll rob your retirement savings and give up the potential for that money to grow on a taxadvantaged basis over time. Converting your Traditional IRA One final note: You can convert your Traditional IRA to a Roth IRA at any time. After-tax dollars converted are not subject to tax or penalty. However, any pretax dollars converted will be included in your gross income for the year the conversion takes place, but there is no 10% IRS tax penalty. It’s important to know you cannot convert only your after-tax dollars – instead, a portion of each conversion will contain both before-tax and after-tax amounts. The benefits of tax-free income in retirement may justify the cost to convert. Key factors to weigh in your decision to convert include your current income tax rate and expectations for future tax rates as well as availability of funds to pay the taxes associated with the conversion. Roth conversions can be complex. We recommend you consult with your tax professional and Financial Advisor before converting your Traditional IRA. Evaluate your options There are a number of factors to take into account when evaluating your IRA options. Some financial service providers offer online calculators that can help you choose. Or, you may want to enlist the help of your tax advisor and Financial Advisor to help you decide. Regardless of which IRA – or IRAs – you choose, starting early and saving consistently can help build your retirement savings and help ensure you can lead the retirement you envision. Our firm is not a legal or tax advisor. This article was written by/for Wells Fargo Advisors and provided courtesy of Nelson Dias, Financial Advisor in Providence, RI at 401-459-6872.

If you believe you will be in a lower tax bracket in retirement or live in a state with no income tax, you may prefer to fund a Traditional IRA. If you expect your tax rate on withdrawals will be higher than or the same as your current tax rate, a Roth IRA may be the better choice.

Investments in securities and insurance products are: NOT FDIC-INSURED/NOT BANK-GUARANTEED/MAY LOSE VALUE

Another potential advantage of a Roth IRA is that contributions (not earnings) can be withdrawn at any

© 2016 Wells Fargo Clearing Services, LLC. All rights reserved. 0516-00015 (99639-v1BDC)

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.


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Bristol County Business News May 2017  
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