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Greater Susquehanna Valley C hamber of C ommerce

Voice of the Vailley Connecting Business & Community,

An Advertising Supplement to The Daily Item and The Danville News

MONDAY

JUNE 3, 2019

WORKFORCE

Healthy Partners: UPMC Susquehanna's Free Workforce Wellness Program UPMC Susquehanna has teamed with more than 100 employers throughout the region to improve the health of their employees, and it’s making quite an impact. As a primary health care provider in the region, UPMC Susquehanna is uniquely positioned to offer wellness programs designed to improve the overall health of the community’s population. As rising health care costs create an increasing burden for many employers and employees, a successful employee wellness program not only produces a healthier workforce, but also decreases health care costs. Workplace wellness isn’t a new concept, but Sam Sawyer, employer relations specialist, Healthy Partners Program, says having an in-person, on-site program yields better results than the telephone-based programs many health insurance companies traditionally offer. “Participation rates for wellness programs, in general, are about 33 %. With Healthy Partners, we see an average of 50 % participation,” Sam says.

on a year-round, consistent basis. “It can be challenging to incorporate wellness into the workday,” Sam says. “I work with employers to create a plan that fits their work environment.” The Healthy Partners Program begins by assessing the health risks of an employer’s workforce and giving individuals information about their health status. The information empowers the employer to create a better work environment. For example, if a significant percentage of the workforce has high cholesterol, the company can encourage healthy habits throughout the workday that are designed to help individuals lower their cholesterol. One employer did just that and saw 23 of its employees drop a collective 797 points in their total cholesterol. “Our employees are pleased with the service we’ve received from Healthy Partners,” said Dianne Allan, accounting clerk, Sunbury Daily Item. “Sam and

his staff are accommodating and work around our schedules which can be challenging given the around-the-clock nature of the news industry The Healthy Partners staff are friendly, professional, thorough, and help our staff to understand the purpose of the screenings.” Healthy Partners also empowers individuals. After receiving a full health assessment, employees know the areas in which they can improve their health. Then, the team at UPMC Susquehanna uses its expertise and resources to work with each employer to develop a fully customized plan. The ultimate goal is to build a healthier workforce which in turn will improve the health of our communities. “Business owners and leaders want to taking care of their employees,” says Sam. “Our program helps them do that while also helping them with other related benefits. According to the Harvard Business Review, for every dollar invested in wellness,

Sam Sawyer, employer relations specialist with Healthy Partners, goes over screening results with an employee.

employers see an average savings of $2.71. The return on investment is significant. Locally, we’ve been able to save companies millions of dollars, and more importantly we’re helping people get the

care they need to live healthy and productive lives.” The UPMC Susquehanna Healthy Partners Program is available at no cost to

INSIDE this EDITION Just A Word by Bob Garrett GSVCC Annual Meeting 2019 Calendar of Events Dress For Success BrightFarms Ribbon Cutting Your Chamber’s Workforce Imperative Young American’s Banquet

Although each employer’s program looks a little different, there are four key areas to the Healthy Partners program: 1. Awareness - Health Risk Assessments to evaluate the diseases your employees are at risk for and what they can do to prevent and manage these conditions. 2. Engagement - Biometric Screens and Basic Blood Chemistry to provide individuals with information about their current health status. 3. Accountability - Employee incentives for healthy behaviors. 4. Culture of Wellness Providing wellness initiatives

employers in the community. Employers of 50+ employees who are interested in the program should contact Sam Sawyer at 570-321-2289.

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GREATER SUSQUEHANNA VALLEY CHAMBER MISSION

A member of the Healthy Partners team prepares to get vitals during a wellness screening.

The Greater Susquehanna Valley Chamber of Commerce advances the prosperity of its communities, commerce, culture, fellow citizens, and their businesses in its region through the leadership of its members.

GSVCC Celebrates With Two Premier Events

Congratulations to Nicholas S. Jacobson of Lewisburg Area High School for receiving a $500 scholarship from the Young Americans Scholarship Essay Competition at the 2019 QSVCC Young Americans Banquet, held on Monday, May 20th.

The Greater Susquehanna Valley Chamber of Commerce awarded the 2018-2019 ATHENA® Award to Kendra Aucker, pictured center, of Evangelical Community Hospital at their 98th Annual Meeting & Awards Mor Ceremony on Monday, May 20th.

See page 3 for more photos of this event.

Pictured L to R: Bob Garrett, GSVCC President/CEO; Nicholas S. Jacobson, Young American; Paula Reber, Lewisburg Area High School Principal; Ed Moyer, Chair of the Young Americans Committee.

See page 8 for more photos from this event.

Healthier Employees Are Happier Employees Learn more about HealthyPartners. Call today, 570-320-7446.

UPMC Susquehanna

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HealthyPartners by UPMC Susquehanna


0 PRESIDENT'S MESSAGE | Just A Word

BOARD OF DIRECTORS

Just A Word...

CHAIRPERSON

"Workforce-what's Imperative?" By now, you might be getting accustomed to our new molecule-looking strategic plan icon. If you haven’t seen it yet, please thumb through this edition to page seven where you see what I’m talking about. Your Chamber’s Board of Directors is chaired by Sue Greene, of Penn State Executive Programs, and she has characterized our four strategic plan pillars as “Imperatives.” To me, the word imperative, which can be loosely is understood as “of vital importance; crucial; essential or even all-important,” is perfect. We don’t have a minute to lose on any of these imperatives, and our workforce efforts certainly rise to the top of just about every local businessperson’s list. In fact, workforce issues have surfaced in each of the Chamber’s last three member surveys. While the percentage of members listing workforce shortages and other concerns has fluctuated, the actual ranking has steadily risen. Beginning in 2014 as the fifth most-severe issue, to the latest survey where workforce issues came in tied for first place with the “Cost of Doing Business.” Our Chamber has many time-tested and proven engagement programs when it comes to workforce issues. For example, our Young Americans Program is among the longest established, if not the longest, student recognition program of its type in our state. Add to this, our National Education Week Essay Contest and Educator in the Workplace programs are well into their third decade of existence. Please read on in this edition of the Voice of the Valley, to learn much more about everything that’s happening with the Greater Susquehanna Valley’s workforce. We have a great story to tell and we sincerely and whole-heartedly thank this month’s sponsor UPMC for giving the opportunity to tell this ever-unfolding great story about our local workers.

Sue Greene, Penn State Executive Programs

VICE CHAIRPERSON Art Thomas, Meek Tech Inc.

PAST CHAIRPERSON John Uehling, Contrast Communications

TREASURER Dave Herbert, Camp Mount Luther

REGION VICE PRESIDENTS___ Fred Scheller, The Daily Item Jennifer Hain , SUN Area Technical Institute Kendra Aucker, Evangelical Community Hospital Judi Karr, Nottingham Village Senior Living Community Jeff Reber, Susquehanna Valley Home Services LLC Brion Lieberman, Geisinger

DIRECTORS Greg Zeh, Weis Markets Ken Potter, RHP LLC John Kurelja, Central Susquehanna Intermediate Unit Jessica Brazier, M&T Bank Reed Byrum, Bucknell SBDC Gene Welsh III, GDK Development Aimee Buehner, Bowen Agency Josh Bradley, AgChoice Farm Credit

Bob Garrett President & CEO rga rrett@gsvcc. org

Abbie Sholley Director of Finance asholley@gsvcc.org

Jenny Wentz Director of Member­ ship, Communications & Workforce jwentz@gsvcc. org

Chris Berieth Relationship Director cberleth@gsvcc.org

Vanessa Venios Relationship Liaison vvenios@gsvcc.org

Malcom Derk, Susquehanna University Amber Depew, UPMC Susquehanna Leslie Temple, Fulton Bank

0 WELCOME NEW MEMBERS

Photo provided by Schindlers Studio

Greater Susquehanna Valley Chamber of Commerce Connecting Business & Community.

2859 N. Susquehanna Trail Shamokin Dam, PA 17876 570-743-4100 / 800-410-2880

• Lewisburg Downtown Partnership

• Strategic Consulting Partners Contact: Bob Whitmore, D.Ed. Senior Management Consultant 836 Tamanini Way Mechanicsburg, PA 17055 717.262.3545 ~

Contact: Ellen Ruby Executive Director 239 Market Street, Second Floor Lewisburg, PA 17837 570.523.1743

gsvcc.org no

2019 Chair’s Circle Members

We are a full-service management consulting firm committed to shaping the future of our world by building organizational and leadership capacity.

The Lewisburg Downtown Partnership brings together diverse community interests and resources to promote the economic vitality, architectural heritage, and cultural vibrancy of the downtown Lewisburg commercial district.

• Keyfarm Premium Beef, LLC Contact: James Gorham Manager 1335 Brethren Church Rd. Mifflinburg, PA 17844 570.295.8379

• Demeter F.L, Inc. Contact: Marisa Crames Factory Manager 499 Sassafras St. Selinsgrove, PA 17870 570.372.2426

www.keyfarmpremiumbeef.com Connecting your family to premium grain-fed beef from a local sustainable family farm.

www.demeterfragrance.com The Demeter Fragrance Library consists of over 300 different fragrances inspired by everyday objects and experiences. In short, we are the olfactory version of "stopping to smell the roses". We isolate and highlight the beautiful scents that surround us every day, in wearable formats.

• Strategic Executive Consulting Contact: Robert Dresser President 2217 Quail Hollow Drive Mechanicsburg, PA 17055 717.458.5760 ~

• DQ Grill & Chill Contact: Simona Lovik 1741 N. Susquehanna Trail Selinsgrove, PA 17870 570.743.7700

www.strategicexecconsult.com Enabling businesses and their employees to achieve great things through strategic planning, aligning of goals and purpose, as well as employee motivation and mentoring.

Dairy Queen offers hot eats and cool treats all year round in our 100 seat dining room, plus outside patio along with the convenience of drive-thru!

Contact: 570.713.7183

Hours: M-F 8:30am - 4:30pm

www.yourstrategicconsultant.com

www.lewisburgpa.com

• Benjamin Ranck

Fax: 570-743-1221

• Susquehanna Valley CASA Voices for Children Contact: Yvonne Heatley Executive Director 601 Vi Pennsylvania Avenue Sunbury, PA 17801 570.988.2200 www.susquehannavalleycasa.com We advocate for abused/neglected children in the child welfare system, are volunteer driven, and our highly trained volunteers are appointed by the court to stand up for the best interest of the child.

1847 Financial Aloysius Butler & Clark BB&T BJE Poultry Bowen Agency Realtors Coldwell Banker Penn One Real Estate Contrast Communications Evangelical Community Hospital First National Bank of PA Fulton Bank GDK Development Geisinger Jersey Shore State Bank Kreamer Feed M&T Bank MCPS of Central PA Members Choice Financial Credit Union Mifflinburg Bank & Trust Company National Beef North Shore Railroad Nottingham Village Senior Living Community Penn State Executive Programs Penn State World Campus PPL Electric Utilities Practical Business Solutions Purdy Insurance Agency Service 1st Federal Credit Union Service Electric Cablevision, Inc. Stahl Sheaffer Engineering, LLC SUN Area Technical Institute Sunbury Broadcasting Corporation Susquehanna University The Daily Item The Northumberland National Bank UPMC Susquehanna

Thank You, You Make a Difference 2019 Renewing Members as of May 16th Aloysius, Butler & Clark Geisinger Medical Center at Susquehanna University Bic’s Water Sports and Outdoor Adventures, LLC Geisinger Richfield - Reisinger Family Practice Careworks Urgent Care Gilson Boards, LLC Careworks Walk In Clinic GMC Woodbine Comfort Suites John’s Carpet & Air Duct Cleaning Edelholtz Knapper Clinic Eichner-Crouser Co., LLC Kulpmont CPS Elmcroft of Lewisburg Law Offices of Graham Showalter Elysburg Family Practice Lewisburg CPS Evangelical Professional Building Midd-West School District Geisinger Mid-Penn Engineering Corporation Geisinger Health Plan Milton CPS 2 J U N E 2019 I VOICE OF THE VALLEY

rabbittransit Selinsgrove CPS Selinsgrove Inn Shamokin - Main Hospital Shamokin Clinic Sunbury Broadcasting Corporation Sunbury CPS Susquehanna Community Bank Susquehanna Valley Country Club The UPS Store The Winery at Hunters Valley Tri-County Tag Service


GSV CHAMBER OF COMMERCE EVENTS | Annual Meeting & Awards Ceremony

GSVCC Annual Meeting & Awards Ceremony ICI LICAL

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Bucknell University Small Business Development Center received the Greater Susquehanna Valley Chamber of Commerce's 2018 Small Business of the Year award. Pictured Lto R: Bob Garrett, GSVCC President/CEO; Art Thomas, GSVCC Vice Chair; Maureen Hauck, Bucknell SBDC; Steven Stumbris, Bucknell SBDC; Dennis Hummer, Bucknell SBDC; Sue Greene, GSVCC Chair.

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SUN Area Technical Institute received the Greater Susquehanna Valley Chamber of Commerce's 2018 Business of the Year award. Pictured Lto R: Art Thomas, GSVCC Vice Chair; Bob Garrett, GSVCC President/CEO; Sue Greene, GSVCC Chair; Jennifer Hain, SUN Area Technical Institute; Doug Bertanzetti, SUN Area Technical Institute; Jodi Marshall, SUN Area Technical Institute; David Hauck, SUN Area Technical Institute; Mary Brouse, SUN Area Technical Institute; Patty Vanhorn, SUN Area Technical Institute; Crystal Gutshall; SUN Area Technical Institute.

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The Greater Susquehanna Valley Chamber of Commerce awarded the 2018 Karen Hackman Star of Excellence award to Joanne Troutman of the Greater Susquehanna Valley United Way, pictured center.

The Greater Susquehanna Valley Chamber Banker Penn One Real Estate, pictured center.

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Leadership Susquehanna Valley Leadership Coach, Caz Russell, brings you this monthly leadership moment.

The Greater Susquehanna Valley Chamber of Commerce Kendy Alvarez of Fidelis Mortgage Corporation, pictured center.

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^ANGELICA! To do or not to do list!

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It was around 1960 and I remember as a child asking my father for 10 cents to go to the comer grocery store for some candy. The corner store at the end of the block we lived on sold milk, bread, soda, snacks and a limited supply canned goods to help the neighbors get thru a day or two before they would head to the bigger grocery stores. Wooden framed, glass cases with long shelves were filled with lots of different kinds of penny candy. It must have taken me 10 minutes to pick out 10 cents worth of my favorite candy. Coming home and emptying the small brown bag on the dinner table, I slowly decided which piece I would devour first.

In today’s fast paced world, experts recommend we make a “To do List!” which free our minds at night so we may fall asleep more quickly. I find it amazing how men seem to fall asleep immediately at night upon their head hitting the pillow. Women, not so much or when they do fall asleep quickly, they often wake several hours later. Experts tell us that women need 20 more minutes of sleep than men due to expending more mental energy than their male counterparts.

Here it is 2019,49 years later and I still find myself going to the grocery store on a weekly run. The candy aisle still draws me back to it with all the varieties. My grocery list of items to purchase will need much bigger bags now to hold every item I purchase. I often find myself returning home without the most needed item on the list. My wife would ask me “where is the ingredient she

To do lists are great for helping us remember things we need to do and also in prioritizing what should be completed the next or in the future. I want to challenge each of us this day to develop a “Not to do list!” That’s right Not do! What is something you have been doing that really creates havoc in your life? What is something you wish you would stop doing that will make your life a lot easier? I would like to share with you my ideas of what they might be, but that really needs to be decided by you. Self-awareness is the

key to self-preparedness and self-preparedness leads to self­ management. My note pad has two columns. The left side contains “To do” and the right column contains “To Not Do!” Identify 3 items in your daily routine that you want to remove to help you achieve, joy, happiness and success. From the moment our feet hit the floor until we return to our place of security and rest, learning what to remove from our lives is equally as important as what we add to our lives. As a child, I used a little brown bag, now as an adult, I use a larger brown bag to carry around what I need. Sometimes, smaller is bigger.

Abby Prior, BrightFarms, and Sue Greene, overall impact of local agriculture on our because the Chamber is here.

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4 GENERATIONS OF INSURANCE PROFESSIONALS WITH ONE COMMON FOCUS

PERSONALIZED CUSTOMER SERVICE Call us today for expert advice and insurance products from some of the industry’s finest providers! 136 Market St • Sunbury, PA 17801 800.677.2478 • 570.286.585S • wvm.purcfy0nsurance.com

Chamber Board Chair participating in a Chamber Colloquy related to the economy. Responding to a question, Abby stated that BrightFarms is here

Salvation Army Thrift Store 334 Market St. Sunbury 570-286-2552 Mon. - Fri. • 9a - 3p Sat. • 9a - 2p

DOING THE MOST GOOD

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VOICE OF THE VALLEY I JUNE 2019 3


W O R K F O R C E | Member News

The PA CareerLink® is your go-to source for employment and workforce needs! Whether you’re still in school or a seasoned professional, PA CareerLink® is a one-stop shop dedicated to connecting employers with qualified job­ seekers. Tn-person service sets your local PA CareerLink® office apart. Experienced staff offer services focused on individual needs and goals and one-on-one assistance applying for jobs! Trained staff help jobseekers identify strengths and areas of interest, perfect interviewing skills, update resumes, learn about local job openings, and how to obtain the skills needed to qualify. Daily workshops cover topics such as Skills that Click, Interview with Confidence, Developing a Resume, and Application Tips/Online Applications. Likewise, business

consultation services are available from dedicated staff who provide individualized assistance to local employers. Services range from recruitment assistance, to on-the-job training wage subsidies, to providing useful labor market information. Employers can post job openings on our website at www.pacareerlink.pa.gov, which job seekers may access 24/7 from any device. Helpful career development tools are available on the same website. In addition to visiting our local offices (Sunbury, Lewistown, Williamsport, Bloomsburg, Bellefonte, and Lock Haven), we welcome everyone to our ADA accessible mobile career center, The Link. Operated by workforce professionals, it is equipped with technology to handle mass recruitment

events and workshops. The Link includes seven computers, internet, printing, and a presentation screen. Find The Link in Mifflinburg, Mount Carmel, Lewisburg, Middleburg, and more throughout the month. The PA CareerLink® offices host companies for recruitments on a weekly, if not daily, basis. Additionally, we coordinate large job fairs throughout the region, often attracting more than 50 vendors per event! Learn more about our events by following our Facebook and Linkedln pages, calling (570) 988-7300, or logging onto our website. We look forward to helping with all of your employment needs!

Dress for Success Gentlemen, “How important is the job to you?” That is the question Francis Ciccarelli, owner of The Clothier, asks. Assuming the answer is “very important”, then he has recommendations and can make them happen. Frank has owned The Clothier for over 30 years and is passionate about how he helps his clients. He is proud of the fact that all of the men he has assisted in their interview attire have gotten the jobs they desired. “Look professional” he says, “it’s not hard”. Pay attention to your grooming - if you wear a beard, make sure it’s trimmed.

Customers are greeted upon entering the PA CareerLink®.

University Career Centers Preparing Students for the Workforce Pam Keiser, executive director of Bucknell University’s Career Development Center, said employers consistently seek strong skills in problem­ solving, the ability to work successfully within a team environment, strong written and verbal communications skills, and proven leadership experience. “They also seek students who present themselves well and have a strong work ethic,” Keiser said. “Computer skills and being comfortable with using technology and/or systems within daily work is also often a required skill in many entry-level job listings.” This year, Keiser reports seeing a number of fields that are offering a broad range of summer internships and entry-level opportunities to undergraduates. One of the most popular areas is within the STEM (science, technology, engineering and mathematics) fields. “We are seeing many job postings in a variety of engineering fields, finance and accounting, data analytics, consulting, technical sales, scientific research and pharma/ healthcare fields,” she said. Susquehanna University offers a variety of programs out of its Career Development Center (CDC) to help students prepare for their future careers and develop their professional network.

Break Through events connect Susquehanna students to alumni as they move toward graduation and beyond. These networking events take place on campus and at alumni workplaces in major cities in the Northeast, including New York, Philadelphia and Washington, D.C. Additionally, the center works with students to help them leverage their Global Opportunities study-away experiences. Susquehanna was among the first in the nation to require every student to have a meaningful cross-cultural experience, followed by scholarly reflection. In a time of geopolitical and economic complexity, cultural competency in the workplace is an essential skill, said Michaeline Shuman, director of Susquehanna’s CDC. “We work with students to help them develop the language on their résumés or to use in interviews to communicate the skills they have developed as a result of their experiences abroad,” Shuman said. In an effort to address gender disparities in workforce leadership and earnings, Susquehanna University has established the Signe Gates and Dawn Mueller Women’s Leadership Fund. The new endowed fund: • Supports a robust, fouryear preparation plan for

In the Career Resource Area, customers receive one-on-one assistance from knowledgeable staff.

every female student— nearly 1,300—that includes career treks to major cities and job-shadowing experiences that connect them with Susquehanna alumni. • Provides opportunities for students to attend professional conferences and to secure summer research, internships or other experiential learning opportunities.

Susquehanna University students receive during this spring's Career Expo on campus.

The suit itself is important, and the fit is equally important. You can have the finest suit, but if it’s too tight or too loose, it won’t work for you. There are so many sizes for men’s clothing, so trying on and getting fitted is necessary. Looking around The Clothier, it is evident you can find whatever you need in the size you need. What about the tie? Yes, always wear a tie. Are there different sizes of ties? Of course! The more trim your

information

C entral S usquehanna INTERMEDIATE UNIT

The CSIU serves as a vital resource in the Greater Susquehanna Valley by offering felong learning opportunities to infants & toddlers, pre-school & school-age children, parents, adults and educators. •

GUI www.csiu.org • like us on Facebook

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Pictured center is Francis Ciccarelli, owner of The Clothier.

build, the slimmer the tie should be. The wider the build, the wider the tie. And don’t forget about the shoes. Make sure the shoes are the right size and are looking good. People will notice. If you have a more relaxed work atmosphere and the dress is more casual, use the same advice. Make sure you wear the right size and

that you look professional. We’ve all heard the saying “Dress for the job you want, not necessarily the job you have”. Our appearance creates that critical first impression and is an ongoing reflection of our pride in ourselves and in our workplace. More questions? Stop in and see Francis. 130-138 West 4th Street, Williamsport, PA.

Save money! Help the community! It’s time to take the 2019 Service 1st Community Savings Challenge! Schedule your financial checkup today! Stop by, call 800.562.6049 or visit us online today at service1.org to learn more!

^servicelst” Federal Credit Union | Friends you can bank on.

Federally Insured by NCUA. | Equal Housing Lender. 1430618906

VOICE OF THE VALLEY I JUNE 2019 5


« WORKFORCE |

Member News

Congratulations to BrightFarms, Inc., a producer of locally grown leafy greens and herbs, for breaking ground to their new, 250,000-square-foot greenhouse operation in Penn Township on Monday, May 20th. The new facility will serve as one of the company's four primary facilities in the U.S. and is expected to create 54 jobs over the next three years. BrightFarms greenhouses use sustainable farming methods that take advantage of natural sunlight and conserve water. They use hydroponic systems with mineral-based nutrient solutions in order to grow its products in a soil-free environment while reducing the overall environmental impact.

On the Road to Retirement, Beware of These Five Risks On your journey to retirement, you’ll likely face many risks that have the potential to throw you off course. Following are five common challenges retirement investors face. Take some time now to review and understand them before your journey takes an unplanned detour. 1. Traveling aimlessly

Setting out on an adventure without a definitive destination can be exciting, but probably not when it comes to saving for retirement. As you begin your retirement strategy, one of the first steps you’ll need to take is identifying a goal. While some people prefer to establish one big lump-sum accumulation amount — for example, $1 million or more — others find that type of number daunting. They might focus on how much their savings will need to generate each month during retirement — say, the equivalent of $5,000 in today’s dollars, for example. (“In today’s dollars” refers to the fact that inflation will likely increase your future income needs. These examples are for illustrative purposes only. They are not meant as investment advice.) Regardless of the approach you follow, setting a goal may help you better focus your investment strategy. In order to set a realistic target, you’ll need to consider a number of factors — your desired lifestyle, pre­ retirement income, health, Social Security benefits, any traditional pension benefits you or your spouse may be entitled to, and others. Examining your personal situation both now and in the future can help you determine how much you may need to accumulate.

preserve their hard-earned assets. However, investing too conservatively can be risky, too. If your investment dollars do not earn enough, you may end up with a far different retirement lifestyle than you had originally planned. 3. ...Or too aggressively

On the other hand, retirement investors striving for the highest possible returns might select investments that are too risky for their overall situations. Although you might consider investing at least some of your retirement portfolio in more aggressive investments to potentially outpace inflation, the amount you invest in such higherrisk vehicles should be based on a number of factors. Appropriate investments for your retirement savings mix are those that take into consideration your total savings goal, your time horizon (or how much time you have until retirement), and your ability to withstand changes in your account’s value. Would you be able to sleep at night if your portfolio lost 10%, 15%, even 20% of its overall value over a short time period? These are the types of scenarios you must consider when choosing an investment mix. 4. Giving in to temptation

On the road to retirement, you will likely face many financial challenges as well — the unplanned need for a new car, an unexpected home repair, an unforeseen medical expense are just some examples.

2. Investing too conservatively...

During these trying times, your retirement savings may loom as a potential source of emergency funding. But think twice before tapping your retirement savings assets, particularly if your money is in an employer-sponsored retirement plan or an IRA. Consider that:

Another key to determining how much you may need to save on a regular basis is targeting an appropriate rate of return, or how much your contribution dollars may earn on an ongoing basis. Afraid of losing money, some retirement investors choose only the most conservative investments, hoping to

• Any dollars you remove from your portfolio will no longer be working for your future • You may have to pay regular income taxes on distribution amounts that represent tax-deferred investment dollars and earnings

6 JUNE 2019 I VOICE OF THE VALLEY

• If you’re under age 59V4, you may have to pay an additional penalty tax of 10% to 25% (depending on the type of plan and other factors; some exceptions apply) For these reasons, it’s best to carefully consider all of your options before using money earmarked for retirement. 5. Prioritizing college saving over retirement

Many well-meaning parents may feel that saving for their children’s college education should be a higher priority than saving for their own retirement. “We can continue working, if needed,” or “our home will fund our retirement,” they may think. However, these can be very risky trains of thought. While no parent wants his or her children to take on a heavy debt burden to pay for education, loans are a common and realistic collegefunding option — not so for retirement. If saving for both college and retirement seems impossible, consider speaking with a financial professional who can help you explore the variety of tools and options.

offered through Raymond James Financial Services Advisors, Inc. and/or ValMark Advisers, Inc., unaffiliated investment advisory firms registered with the SEC. Raymond James Financial Services, Inc. is not affiliated with Specific Solutions, Inc., Executive Insurance Agency, Inc., ValMark Securities, Inc., ValMark Achnsers, Inc., Clermont Wealth Strategies, Fulton Financial Advisors, Fulton Bank. N.A., Fulton

Financial Corporation or any of its subsidiaries. Neither ValMark Securities, Inc., ValMark Advisers, Inc. nor Executive Insurance Agency, Inc. is affiliated with Clermont Wealth Strategies, Specific Solutions, Inc., Fulton Financial Advisors, Fulton Bank, N.A., Fulton Financial Corporation or any of its subsidiaries.

guaranteed by the bank or any affiliate of the bank; are not insured by the FDIC or any other state or federal government agency, the bank or an affiliate of the bank; and are subject to investment risk, including the possible loss of value.

Securities and Insurance products are not a deposit or other obligation of or

3. i

YOUR SMALL BUSINESS DESERVES T BIG IDEAS.

1255 N Susquehanna Trail, Hummels Wharf, PA 17831 570-743-8572

Content Prepared by Broadridge Investor Comm unication Solutions, Inc. Copyright 2017

TAKING BUSINESS PERSONALLY. NOW THAT’S A BIG IDE

Fulton Financial Advisors and Clermont Wealth Strategies operate through Fulton Bank, N.A. and other subsidiaries of Fulton Financial Corporation, including Fulton Insurance Services Group, Inc. The Advisors at Fulton Financial Advisors and Clermont Wealth Strategies offer a broad array of financial products and trust and retirement services some of which are provided through ValMark Securities, Inc., and/or Raymond James Financial Services, Inc., independent and unaffiliated registered broker/dealers, Members FINRA/SIPC; and/or Executive Insimance Agency, Inc., and/or Specific Solutions, Inc., unajfiliated licensed insurance agencies; Investment advisory services

Nearly every big business began as a small business. What makes small business thrive is big ideas. Ideas like how to efficiently manage payment processing and collection, borrow for growth, and guidance on how to stay competitive in the marketplace. We have the resources to help your business grow - whether you need to expand, renovate, or acquire. Plus, we are a Preferred Lender for the Small Business Administration (SBA). The Fulton Bank advantage means you get the products and services of a large bank along with the dedicated, one-to-one, service of a community bank. Visit a branch to meet your local relationship manager today.

FUlton Bank 1.800.FULTON.4 | fultonbank.com

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Fulton Bank. N.A. Member FDIC. Loans are subject to credit approval. Fulton Bank is not affiliated with the U.S. Small Business Administration.


WORKFORCE I Member News

Small Businesses Prosper Through Partnership By Steven Stumbris Director, Bucknell University Small Business Development Center Spring 2019 Start... Grow... Prosper.. .with these three words the vision of Bucknell University Small Business Development Center is perfectly encapsulated. And through a mission of education and consulting service spanning over four decades, the SBDC has had a transformational impact in the region’s business community. But it takes great partnerships to achieve these grand aspirations, and our partnership with the Greater Susquehanna Valley Chamber is a result of strategic collaborations across the shared goals of advancing the prosperity of commerce and small business owners. The SBDC is pleased to highlight this partnership with the annual celebration of National Small Business Week from May 5th - 11th, 2019. On May 8th, the SBDC presented its “First Step: Pre-Business Workshop”, designed to provide the next wave of small businesses owners and chamber members with the foundational education they need to build successful enterprises. Tn the past year alone, the SBDC helped 31 entrepreneurs in starting new businesses, including

Scott Robinson, CEO and Founder of SRTactical, and Measured Response with Rep. Fred Keller in celebrating Scott's Ribbon Cutting ceremony late last year.

one of the Chamber’s newest members; Scott Robinson, CEO and Founder of SRTactical, and Measured Response Group. The chamber’s Vanessa Venios joined with Rep. Fred Keller in celebrating Scott’s Ribbon Cutting ceremony late last year. The SBDC was pleased to feature Scott as a workshop presenter on May 16 for “Violence in the Workplace: Business Situational Awareness: Are you Ready for a Crisis?”

Group.

In addition to partnering with the chamber, the SBDC collaborates in unique ways with members. Another of the chamber’s newest members, Diane Weller of Diane Weller Coaching, has joined the organizing team for the valley’s new entrepreneurship program, One Million Cups (1MC) Susquehanna Valley. 1MC is a nationwide program designed to educate, engage, and accelerate early-stage startups, based on the notion that great ideas are shared

The

chamber's

Vanessa

Venios joined

over a cup of coffee. Diane serves as a “Speaker Coach” to entrepreneurs preparing presentations for each month’s 1MC event. More about SBDC events and services at www.Bucknell.edu/SBDC

Spring Growth Watering Those Around You I wasn’t sure what projects to give her and was apprehensive about how much time to invest teaching her. How much will this slow me down, T thought? Do I have the time to do this? Like most of life’s lessons I started out with a vastly incorrect assumption that an intern would slow me down. Colleagues had told me that you’ll give more than you get. At first she worked quietly and diligently to catch us up on a project that we’d been lacking the time to get to. It was a big project but didn’t require too much oversight. It wasn’t cutting edge, eye-opening, or something that she’d brag about to her college friends but something we needed done. It was slow at first but as we got to know each other we realized we were very similar, had complimenting strengths and skills, and most importantly that she would eagerly complete any new project I sent her way. She’d eventually spend more time in my office than her own,

leaving me to regret our slow start together. I wish I hadn’t hesitated to get to know her and invite her to help me on my day to day projects. She became such an integrated and valued member of our team that I’d now consider her irreplaceable and worth every ounce of our investment. The lesson in this story isn’t about how we added value to her or the time we invested. Rather, it’s about how she added value to me. Her insight was amazingly intuitive, progressive, and constantly reminded me that all of this data and computer work’s purpose is to improve the lives of those around us. I selfishly thought of how much work this would be for me and forgot that I could learn a lot from her. Think about those around you who you can grow and remember that there’s a pound for pound return on the growth you give to the growth you’ll receive. Thank you and best of luck, Katie!

Katie Mohn and Phi! DeRose on their final day together. Four years of college. One day until graduation. A lifetime of serving those around her.

YOUR CHAMBER'S WORKFORCE IMPERATIVE alliance is new policy developed by the PA Department of Education that has been coined the Future Ready Index (FRI). This FRI creates a framework that, once completely in place, will result in students getting a more accurate understanding of our local economy and the actual careers that they might pursue right here. It’s very important that the Chamber embrace this index while assisting our public and private schools to be successful in instituting Career Readiness into their standard curricula.

Based on the member responses to the 2016 biennial survey, the Chamber’s Business and Education Committee members launched their CareerBASICs initiative. CareerBASICs is an acronym, which stands for Building And Strengthening Individual Choices. It is a platform which now includes pre-apprenticeships, a career information website, as well as our other long-established Business and Education Committee activities. To date, pre-apprenticeships have been established thanks to a partnership with Penn College in Williamsport. These pre­ apprenticeships involve career exploration in the fields of computer numerical control, healthcare, and mechatronics. Pre-apprenticeships are defined as programs that prepare individuals to enter and succeed in recognized and state-regulated Registered Apprenticeships. For now, these pre-apprenticeship programs are geared toward the secondary school level. They involve a semester-long class that incorporates elements of on-line training via the ToolingU competency-based curriculum and several job-site experiences resulting in a Level 1 Manufacturing Certification at the completion of the course. This certification acts much like an entry exam, such as the SAT, for traditional post-secondary institutions. Soon a web-based career decision site, known as Path to Careers, will be fully operational. The Central Pennsylvania Workforce Development Corporation (CPWDC) took the lead in developing and deploying this site. The Chamber’s on-going role will be to populate the site with timely, accurate information while providing support for the site’s interactive elements. A record number of Chambermember businesses supported this year’s National Education Week Essay Contest with their generous

Building upon our past successes, we will add these additional elements to our CareerBASICs initiatives:

“BROADBAND FOR ALL”

DIVERSITY & INCLUSION IMPACT COUNCIL

donations. The Young Americans program is robust and growing. The Educator in the Workplace program has offered several opportunities to visit work sites including a hard-hat tour of the Thruway construction project. Based on recent survey responses and regular conversations with Chamber members, the recurring workforce theme is lacking career readiness in terms of soft skills that range from showing up for work on-time and prepared to a reported growing skill gap. For some time, Chamber members have detected that the skills which graduates possess are falling short of the actual skills that are needed to be successful in the modern workplace.

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With this information in hand, the Chamber

worked closely with groups such as the Central Susquehanna Intermediate Unit, the Greater Susquehanna Valley United Way, and the Pennsylvania Chamber of Business and Industry. Resulting, at least in part, from this newly-forged

• Serve as the primary advocates for the Career Pathways Program that is being used to roll out the Future Ready Tndex for the five SUN Tech sponsoring school districts. This advocacy will be led by a cadre of ‘circuit riders,’ who will ensure that business/agencies in

our area are aware of the career preparation work that is underway. • Advocate for a full continuum of educational and career training opportunities, including a fully articulated community college, for our area. • Function as a clearinghouse for the resources that will be needed to ensure that education sector representatives and business sector employers can effectively work together, without causing either sector undue work or fatigue. • Ensure that our Business and Education efforts are expanded to and adopted by all school districts and private/parochial schools in our Chamber area. • Work with our local correctional institutions to roll-out the ‘Clean Slate’ program that can assist with integrating formerly incarcerated individuals into our local workforce.

Middleburg

Hummels

570-286-8856 570-765-7158 570-884-1050

Wharf

Northumberland 570-473-3531

Port

Trevorton

Selinsgrove

570-884-1052 570-374-5533

www.norrybank.com

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Voice of the Valley June 2019  

The Daily Item's Business to Business publication. #b2b #shoplocal #supportlocal #smallbusiness #greatersusquehannavalleychamberofcommerce #...

Voice of the Valley June 2019  

The Daily Item's Business to Business publication. #b2b #shoplocal #supportlocal #smallbusiness #greatersusquehannavalleychamberofcommerce #...

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