Partner Content: Is Your Business Prepared for an Unexpected Shutdown?
Honoring Service, Celebrating Strength
Beyond The Wheat Fields
The Busy Professional Stuffing Emotions
The Brady Oberg Legacy Foundation Heals Through Brotherhood and Purpose
Folds of Honor and D-S Beverages Partner to Make a Difference
Meet the Maker Recap
What is Prairie Capital Summit?
Creating an Office Where People Want to Work
Commercial Real Estate Stats That Matter
Women You Should Know: Kaia Watkins
Build Resiliency Before a Disaster Strikes Your Business
The Power of Manufacturing: How SBA is Fueling the Future
Honoring Service, Fueling Enterprise
10 Questions with John Machacek: Kayla Deitch (Execla)
Revitalizing Financial Literacy
Honoring Service, Celebrating
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Mike Dragosavich
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Kim Cowles
Ty Betts
John Machacek (GFMEDC), Mark Puppe (Wordwork), Andy Westby (Goldmark), Michael Danielson (VBOC of the
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Everything You’ve Ever Wanted to Know About Color Change Vinyl Wraps
By Ben Lamb-Stieglitz, Custom Graphics provided by Custom Graphics
hinking about giving your ride a fresh new look? A color change vinyl wrap is one of the easiest (and most fun) ways to completely transform your vehicle—without the commitment of a new paint job. Whether you’re after a sleek satin black, a bold metallic, or something that flips colors in the sunlight, a wrap lets you stand out your way.
Here at Custom Graphics, we get a lot of great questions about color change wraps, so we’ve rounded up the most common ones (and a few you might not have thought to ask).
How long does a vinyl wrap last?
A: With quality materials and professional installation, a wrap typically lasts 3-7 years. Factors like how much sun exposure your vehicle gets and how you maintain it play a big role in longevity—garage-kept and regularly cleaned vehicles tend to get the longest life.
A: Nope! When installed and removed properly, a vinyl wrap actually protects your factory paint from UV rays, road debris, and light scratches. The only time you might run into issues is if the paint underneath was already peeling or damaged.
Can I wash or wax my wrapped car?
A: Definitely! Just stick to hand washing with mild soap and water or touch-free car washes—no pressure washers or automatic car washes with brushes. We also recommend vinyl-safe detail sprays or ceramic coatings to help keep your wrap looking new and glossy.
Can you wrap over dents, rust, or peeling paint?
How long does it take to wrap a vehicle? Will a wrap damage my paint?
How much does a color change wrap cost?
A: Pricing depends on your vehicle’s size, the type of film, and how detailed you want the job to be. In general, wraps cost about the same as a quality paint job—but with way more flexibility, color options, and the ability to change it up down the road.
A: Unfortunately, no. Vinyl conforms to the surface underneath it, so any imperfections will show through. The better the surface prep, the better the result—and we’ll always inspect and prep your vehicle before installation.
A: Most full color change wraps take 2-5 days. We never rush the process—every panel, contour, and edge gets the attention it deserves to ensure a flawless, paint-like finish.
A: In some states, you might need to update your vehicle color with the DMV or let your insurance provider know. It’s usually quick and simple, but we always recommend checking local requirements just to be safe.
vehicle. We’ll do our best to color-match your existing film, though older or discontinued films can be a bit trickier.
A: Paint is permanent—a wrap is temporary and reversible. Wraps give you more creative freedom, faster turnaround, and protect your paint at the same time. Plus, when you’re ready for a change, just peel it off and go for something new!
A: We only work with premium brands like 3M —with materials trusted by professional wrap shops and automotive restylers around the world. These films deliver vibrant color, strong durability, and clean removability when it’s time for a change.
A: Yes! Adding a ceramic coating or paint protection film (PPF) on top can extend the life of your wrap and make cleaning a breeze. Just be sure to use products made specifically for vinyl films.
A: At Custom Graphics, we’re all about the details. Every color change wrap includes:
Deep cleaning and surface prep for maximum adhesion
Proper post-heating and edge sealing for longterm durability
A full quality check before delivery
Our goal? To give you a seamless, head-turning finish that looks like it rolled straight out of the paint booth.
A: In most cases, yes! If a panel gets scratched or scuffed, we can rewrap that section without touching the rest of the
Ready to transform your
By Christopher Deroche, Director
WHAT MICROPHONE IS BEST FOR MY EVENT?
Livewire, we know that the success of any presentation, performance, or meeting can hinge on crystal-clear audio. Choosing the right microphone for the job is not one-sizefits-all, as it heavily depends on your needs, your on-stage talent, and the event environment. When working with our team, we help you find the perfect match for your unique event with our technicians, years of expertise, and equipment.
MICROPHONES FOR PRESENTER MOBILITY AND APPEARANCE
For presenters who need to move freely or require an unobtrusive mic, we’ve got you covered. The lavalier mic (or lapel mic) is the ultimate choice for discretion. Clipped to clothing, a lavalier is perfect for keynote speakers, interviews, or panelists who need to be hands-free. It’s a popular option when visuals and speaker appearance are a priority.
For high-movement events like fitness demonstrations, long keynotes, or theatre, the headset mic is your best bet. Worn over the ear, the capsule stays consistently positioned near the mouth. This ensures maximum clarity and uniform volume, even when the
speaker turns their head.
Finally, the handheld mic is the versatile workhorse. These microphones are excellent for Q&A sessions, announcements, short speeches, and live musicians’ vocals. Their reliability and ease of use make them ideal for passing between multiple people and managing audience interaction.
MICROPHONES FOR SPECIFIC AUDIO CAPTURE
When the environment or sound source dictates the choice, we turn to specialized equipment.
Boundary mics are low-profile, tabletop microphones designed to use the flat surface they rest on to enhance sound pickup. They are ideal for conference tables, boardrooms, and panel discussions where speakers are seated and stationary. However, one disadvantage is that they are prone to feedback due to their pickup pattern creating feedback, and should usually only be used for audio reproduction, rather than reinforcement.
The podium mic is designed specifically for lecterns and fixed speaking points. These feature a thin, flexible neck for precise positioning, offering
stable, hands-free operation. They are the standard choice for press conferences, formal speeches, and panel openings.
THE UNDERLYING TECHNOLOGY: DYNAMIC VS. CONDENSER
Beyond the physical shape, all microphones use one of two main technologies.
Dynamic mics are rugged, durable, and built to handle high sound pressure levels (loud volumes). They are less sensitive to subtle room noise, making them the standard for live music, stage vocals, loud instruments, and outdoor events.
In contrast, the condenser mic is more sensitive and fragile. These microphones capture a wider frequency range and finer sonic details, providing a very clear, accurate sound. They require additional power, and are typically used in controlled environments for acoustic instruments, overhead mic’ing, and detailed presentations where audio nuance is key.
Partner with Livewire to ensure your message is heard clearly every time!
Guidance provided by: your local insurance partner
Is your business prepared for an unexpected shutdown?
usinesses face a range of threats that can interrupt operations—from supply-chain breakdowns and automation failures to cyberattacks and severe weather that damage facilities, limit access, and disrupt continuity. Cyber risk is increasingly entangled with other vulnerabilities, and shifting climate patterns are producing more frequent and intense weather events.
In many industries, a shutdown can extend beyond the affected company and disrupt suppliers, partners, and customers across the supply chain. Shipments may be delayed, raw materials may need to be stockpiled, and retail shelves can sit empty. The duration and impact of an outage depend largely on how well the business prepares and manages the shutdown. Because supply chains are globally interconnected, regional resilience alone is no longer adequate. Interruption planning requires businesses to take a global perspective.
Businesses face multiple causes of interruptions
Supply-chain interruptions
The Marsh McLennan Agency Risk Report found that in 2024, 80% of organizations experienced supplychain disruptions, with most reporting between one and ten incidents over a 12-month period—a 38% increase from the prior year.
Automation and artificial intelligence failures
Failed software updates, corrupted firmware, and glitches in even the most advanced systems—including AI-driven platforms—can trigger downtime. As operations become more dependent on complex, interconnected systems, a single malfunction can halt production across an enterprise.
Cyberattacks
Cyber Management Alliance reported numerous cyberattacks in June 2025 alone, affecting governments, healthcare providers, retailers, insurers, software vendors, food wholesalers, an airline, and more. IBM’s Cost of a Data Breach Report 2025 estimates the global average cost of a breach at $4.4 million, with 258 days on average to identify and contain an incident.
Weather-related disruptions
Severe weather is more frequent and can damage buildings, interrupt supply chains, endanger employees, and cause power outages. With more frequent and intense weather events, unplanned shutdowns can sometimes last months. The TWI Institute estimates that unplanned downtime can cost an average company $260,000 per hour.
Insurance is only part of what you need for protection
Insurance + Business Continuity Plan
Insurance can cover many of the financial consequences of a business interruption, but it won’t prevent the interruption or eliminate all associated risks. Insurance helps you recover financially after a loss; a Business Continuity Plan helps you keep operating (or restore operations quickly) when a disruption happens.
What is a Business Continuity Plan?
A Business Continuity Plan (BCP) is a documented strategy that keeps an organization running during and after a disruption. It identifies critical functions, defines how those functions will continue (or be restored), assigns roles and responsibilities, specifies communication protocols, and outlines recovery actions for IT, facilities, supply chains, people, and other core operations.
Key elements of a Business Continuity Plan include:
A thorough risk assessment and business-impact analysis
A clear inventory of potential threats and vulnerabilities
Response and recovery strategies, including IT continuity, backups, and recovery time objectives
Established communication protocols for employees, customers, suppliers, and regulators
Specific measures to manage supply-chain interruptions
Actions to protect employee safety and well-being during a crisis
Regular testing, drills, and scheduled updates to keep the plan effective and current
Anticipate and prepare
Address problems before they arise: prepare, practice, and ensure everyone understands their roles and responsibilities. Too many organizations must activate their plans without having validated whether those plans will function under real conditions.
Work with a risk-management specialist at Marsh McLennan Agency
Our specialists have a deep understanding of every industry and the issues you face, especially when you have to deal with business interruptions. We have the resources and tools to help you identify your risks, find the right coverage, and be prepared for whatever the next interruption trigger may be.
Many businesses lack the right insurance coverage to protect them in case of a short-term or long-term interruption. It is by no means a one-size-fits-all, off the shelf coverage. Working with the right broker can ensure your coverage truly matches your needs and guards against your specific risks.
Every November, we take time to recognize the men and women who have served in our nation’s armed forces. Their courage, discipline, and commitment to something greater than themselves remind us that freedom and opportunity are not simply given—they are preserved through sacrifice and service.
Veterans represent every walk of life and every corner of our communities. When their military service ends, their impact does not. Many return home to build businesses, lead teams, mentor youth, or bring their steady sense of purpose into local organizations. The qualities that make great service members—integrity, teamwork, and perseverance—are the same qualities that make great leaders and innovators in business and community life.
Across the country, veteran-owned businesses employ millions and drive billions in revenue, strengthening both the economy and the communities they serve. But beyond the numbers are the people who translate their experiences into resilience and vision, who know how to navigate challenges, adapt to change, and lead under pressure. These are lessons that resonate far beyond the battlefield.
This issue of Fargo INC! is dedicated to those stories. The stories of veterans who continue to serve, not through orders or missions, but through mentorship, creativity, and determination.
As we honor their service, let’s also recognize the example they set for all of us—to lead with purpose, to stand by our values, and to support one another through challenges.
JAMES SIMMONS TRAP HOGS BBQ
provided by James Simmons
Q: WHAT IS YOUR CURRENT ROLE/BUSINESS? WHAT DO YOU DO?
A: I am the owner/operator of a food truck here in Fargo called Trap Hogs BBQ. We are a small, familyowned business. We specialize in Memphis Style BBQ. I was born and raised in Memphis and moved to Fargo in 2018. I couldn’t find any BBQ like back home, so I started making my own. After sharing my family recipes and my style of BBQ with friends here in the FM area, they couldn’t get enough!
Q: CAN YOU SHARE A BIT ABOUT YOUR MILITARY SERVICE—BRANCH, ROLE, AND LENGTH OF SERVICE?
A: I was a Military Policeman (31B) enlisted in the Army National Guard from 2008 to 2014, including one deployment to Afghanistan in support of OEF between 2012 and 2013.
Q: WHAT MOTIVATED YOU TO TRANSITION FROM THE MILITARY INTO BUSINESS OR ENTREPRENEURSHIP?
A: We, as veterans, have a strong call to serve our communities, leading to our choice to enlist. I feel like that same call led me to opening a small business and trying to do my part and make my community better.
Q: WHAT WAS THE HARDEST PART OF MOVING FROM MILITARY LIFE TO CIVILIAN BUSINESS LIFE?
A: In the military, you have a set schedule and expectations for your day-to-day life. When transitioning to civilian life, and especially entrepreneurship, you wear several different hats, and no day is the same.
Q: WHAT SKILLS FROM YOUR SERVICE HAVE BEEN MOST VALUABLE IN YOUR BUSINESS CAREER?
A: Discipline, self-motivation, and a mission-first mindset help me navigate challenges every day.
Q: ARE THERE LEADERSHIP LESSONS FROM THE MILITARY THAT YOU STILL APPLY TODAY?
A: I believe in leading from the front. I wouldn't ask anyone to do a job I am not willing to do myself. I’ve been blessed to be around some great leaders, and I have learned something different from each one.
Q: HOW DO YOU APPROACH DECISION-MAKING UNDER PRESSURE IN YOUR BUSINESS COMPARED TO YOUR TIME IN THE MILITARY?
A: In the military, you learn to trust your training and tap into muscle memory. In my business, I tend to lean more on my experience and the
advice of some successful business mentors.
Q: WERE THERE RESOURCES, MENTORS, OR VETERANFOCUSED PROGRAMS THAT HELPED YOU GET STARTED?
A: Definitely! The ND Small Business Development Center was critical in helping me get started. I also met a ton of great people at local networking events.
ABOUT THE NORTH DAKOTA SMALL BUSINESS DEVELOPMENT CENTERS
The North Dakota Small Business Development Centers (ND SBDC) provide no-cost, confidential business advising and resources to entrepreneurs and small business owners across the state. With regional centers located in communities from Fargo to Williston, the ND SBDC helps clients start, manage, and grow their businesses through personalized support in areas like business planning, financial analysis, marketing strategy, and accessing capital. The organization also assists with government contracting, exporting, and technology commercialization, offering specialized expertise through its network of certified advisors. Funded in part by the U.S. Small Business Administration and North Dakota State University, the ND SBDC plays a vital role in strengthening local economies by empowering small businesses— the backbone of the state’s economy—with the tools and knowledge they need to succeed and create lasting impact in their communities.
JAMES SIMMONS: TRAP HOGS BBQ
Q: HOW HAS YOUR SERVICE SHAPED YOUR COMPANY CULTURE OR LEADERSHIP STYLE?
A: Being both a veteran and a local first responder, I understand some of the struggles both groups face. We have a culture of trying to give back and support them as much as possible.
Q: HOW DO YOU BUILD CAMARADERIE OR TEAMWORK WITHIN YOUR ORGANIZATION?
A: While we are just a small, familyrun business, we still try and have fun together outside of work tasks.
Q: HAVE YOU FACED ANY BARRIERS TO ENTRY, FUNDING, OR NETWORKING AS A VETERAN?
A: The business was definitely bootstrapped, and we rubbed pennies together to fund the opening, but we have found success since opening.
Q: WHAT ADVICE WOULD YOU GIVE TO OTHER VETERANS CONSIDERING ENTREPRENEURSHIP OR A CAREER IN BUSINESS?
A: Go for it! It’s very tough, but extremely rewarding.
Q: WHAT ARE YOUR GOALS FOR THE NEXT CHAPTER OF YOUR BUSINESS OR CAREER?
A: Growth. We are hoping to expand and continue serving our same great BBQ.
Q: IF YOU COULD GO BACK, WHAT WOULD YOU TELL YOUR YOUNGER SELF AS YOU TRANSITIONED OUT OF THE MILITARY?
A: What a tough question! I would tell my younger self it is a wild ride! Chase your dreams sooner!
Love their seasoning? It's now available at the truck!
Q: WHAT GENERAL BUSINESS ADVICE DO YOU HAVE FOR PEOPLE OUT THERE?
A: If it were easy, then everyone would do it! Do the hard work. Do your homework. Improvise, adapt, and overcome. Every obstacle is an opportunity to learn and improve.
Q:
WHAT BOOKS/ PODCASTS/PIECES OF CONTENT DO YOU RECOMMEND PEOPLE TAKE IN?
A: You don't know what you
don't know. Diversify your media and learn something new every day. In the age of podcasts, there is a wealth of information for free at your fingertips. Whether it’s a podcast, book, or new video, just learn something new every day.
TRAP HOGS BBQ
Search
"Trap Hogs BBQ"
P.C.
CASEY K. DREGE OHNSTAD TWICHELL,
provided by Casey K. Drege
Q: WHAT DO YOU DO?
A: I’m an attorney at Ohnstad Twichell, P.C. in West Fargo where I specialize in business and corporate matters.
Q: CAN YOU SHARE A BIT ABOUT YOUR MILITARY SERVICE—BRANCH, ROLE, AND LENGTH OF SERVICE?
A: I’ve been in the North Dakota Army National Guard for roughly 10 years. I’ve served in several roles, both as an enlisted soldier and now as a JAG officer.
Q: WHAT MOTIVATED YOU TO TRANSITION FROM THE MILITARY INTO BUSINESS OR ENTREPRENEURSHIP?
A: Fortunately, the National Guard provides the opportunity to pursue both simultaneously. In a way, it is the best of both worlds. The National Guard provides a stable, part-time career, while at the same time, I’m able to pursue a civilian career.
Q:
WHAT
WAS
THE HARDEST PART OF MOVING FROM MILITARY LIFE TO CIVILIAN BUSINESS LIFE?
A: Military life can be very predictable: the job, the people, the work, and even the clothes you wear are always the same. Additionally, there is a clear hierarchy that often equates to accountability. This high degree of predictability is not as evident in civilian life, which can definitely be frustrating at times.
Q: WHAT SKILLS FROM YOUR SERVICE HAVE BEEN MOST VALUABLE IN YOUR BUSINESS CAREER?
A: The military requires a lot of unique training throughout your career. Depending on what course you are in, you could have someone who has only been in the military for a few years, teaching someone who has been in for decades. The military is great about fostering an environment of encouraging soldiers to ask questions and, in general, have a growth mindset, regardless of time, experience, or rank.
CASEY K. DREGE: OHNSTAD TWICHELL, P.C.
Q: ARE THERE LEADERSHIP LESSONS FROM THE MILITARY THAT YOU STILL APPLY TODAY?
A: In conjunction with my previous answer, early in my military career, I got the advice to “be comfortable with what you know, and be comfortable with what you don’t know.” As an individual, it’s important not to be afraid to ask questions, but additionally, as a leader, it demonstrates a great level of humility and trust to rely on those around you for information.
Q: HOW DO YOU APPROACH DECISION-MAKING UNDER PRESSURE IN YOUR BUSINESS COMPARED TO YOUR TIME IN THE MILITARY?
A: Although the consequences of my decision-making are very different between the military and my civilian work, the thought process is quite similar. Boiled down, there are two questions I often ask myself: how can I reduce the amount of risk in this situation, and is there an alternative path forward that can achieve the result I’m looking for?
Q: WERE THERE RESOURCES, MENTORS, OR VETERANFOCUSED PROGRAMS THAT HELPED YOU GET STARTED?
A: There certainly are many resources available, but I think the value of a great mentor is immeasurable. Great advice extends beyond the situation where it was initially applied. I’ve received a lot of advice over the years in the context of military operations, which I’ve been able to apply to civilian work.
WHAT IS TOP RANK NETWORKING?
Top Rank Networking is a veteran-led professional network dedicated to helping military veterans and service members build lasting business and career connections. Founded on principles of trust, integrity, and shared experience, the group provides a supportive space for veterans to exchange referrals, share resources, and strengthen their professional presence. Through regular meetings, community events, and mentorship opportunities, Top Rank Networking empowers members to grow both personally and professionally while continuing the spirit of service that defines the veteran community.
Q: HOW HAS YOUR SERVICE SHAPED YOUR COMPANY CULTURE OR LEADERSHIP STYLE?
A: Military training requires the accomplishment of the mission, which, combined with good leadership, allows for the best idea to win. Having that mindset in civilian employment allows me to leave my personal feelings at the door. The best strategy or idea should, regardless of whose idea it was, win.
Q: HAVE YOU FACED ANY BARRIERS TO ENTRY, FUNDING, OR NETWORKING AS A VETERAN?
A: There was a pretty big absence of veteran networking in the FM area, which is why a group of us established Top Rank Networking
last year. We felt confident there was enough interest in the area, and we’ve been thrilled with the number of veterans we’ve connected with across many industries in the FM area.
Q: WHAT ADVICE WOULD YOU GIVE TO OTHER VETERANS CONSIDERING ENTREPRENEURSHIP OR A CAREER IN BUSINESS?
A: One of the main goals of our networking group is to lift up those veterans who are just starting out. We have members who started their businesses last year, and others who have been operating successful businesses for over a decade. If those in the group can’t help out directly, we almost certainly know who to talk to. So, my advice is to come to a meeting, and we will do what we can to support you and provide you with a solid foundation.
Q: WHAT GENERAL BUSINESS ADVICE DO YOU HAVE FOR PEOPLE OUT THERE?
A: I work with a lot of new businesses and entrepreneurs. The advice I often give is to focus on the unique thing you do and hire others to handle the work that takes you away from your unique skill. I’ve seen great businesses and great entrepreneurs burn out, simply because they had to do it all or because they wanted to save some money. Investing in yourself requires that you delegate.
OHNSTAD TWICHELL, P.C.
ohnstadlaw.com
/ohnstadlaw
KELLY MORTENSEN
Q: WHAT IS YOUR CURRENT ROLE/BUSINESS?
A: I am the Owner of Digital Plains LLC, where we provide expert cybersecurity, business telephone, and other IT solutions. We help businesses protect their technology infrastructure, mitigate cyber risks, and leverage IT to operate more efficiently and securely.
Q: CAN YOU SHARE A BIT ABOUT YOUR MILITARY SERVICE—BRANCH, ROLE, AND LENGTH OF SERVICE?
A: I was stationed at the 367th Engineer Battalion in Fargo as a 12B Combat Engineer for 6 years.
Q: WHAT MOTIVATED YOU TO TRANSITION FROM THE MILITARY INTO BUSINESS OR ENTREPRENEURSHIP?
A: In the early 90s, I saw the IT industry beginning to explode with opportunity. I spent much of my career working as an internal IT for various companies, gaining handson experience and understanding business technology needs. Over time, this experience naturally led me to entrepreneurship. For the past 6½ years, I’ve been leading Digital Plains, building a business focused on cybersecurity, cloud solutions, and helping clients leverage technology to grow efficiently.
Q: WHAT SKILLS FROM YOUR SERVICE HAVE BEEN MOST VALUABLE IN YOUR BUSINESS CAREER?
A: I think the discipline, determination, and structure of the Army helped me the most.
Q: ARE THERE LEADERSHIP LESSONS FROM THE MILITARY THAT YOU STILL APPLY TODAY?
A: Clear processes ensure consistency and efficiency, procedures create accountability, and understanding the chain of command helps maintain structure while empowering teams to execute effectively.
Q: HOW DO YOU APPROACH DECISIONMAKING UNDER PRESSURE IN YOUR BUSINESS COMPARED TO YOUR TIME IN THE MILITARY?
A: I approach decision-making by narrowing the options quickly, assessing the risks, and committing to a course of action. Even if it’s not perfect, moving forward is critical. Indecision often costs more than a well-considered risk.
Q: WERE THERE RESOURCES, MENTORS, OR VETERAN-FOCUSED PROGRAMS THAT HELPED YOU GET STARTED?
A: When I first got started, I wasn’t aware of many resources specifically for veterans. Recently, I discovered Top Rank Networking, a veteranfocused business networking group, which has been an incredible resource. It’s provided connections, mentorship, and support from fellow veteran entrepreneurs, and has helped me grow both personally and professionally while staying connected to the veteran community.
Q: HOW HAS YOUR SERVICE SHAPED YOUR COMPANY CULTURE OR LEADERSHIP STYLE?
A: My service instilled in me a deep respect for structure, accountability, and mission focus, values that directly shape how our company operates. I believe that providing a clear structure and a defined mission for every team member is essential.
Q: HOW DO YOU BUILD CAMARADERIE OR TEAMWORK WITHIN YOUR ORGANIZATION?
A: We rally around why our company exists, not just what we do. Our shared mission is to protect our clients’ information technology from cybercriminals and remove the technology barriers that limit their growth.
Q: WHAT ADVICE WOULD YOU GIVE TO OTHER VETERANS CONSIDERING ENTREPRENEURSHIP OR A CAREER IN BUSINESS?
A: You already have what most civilians struggle to develop: structure, accountability, and resilience. Business is chaos disguised as opportunity. Your ability to stay calm, prioritize, and execute under pressure is your edge. Use it. Don’t downplay it.
Q: WHAT ARE YOUR GOALS FOR THE NEXT CHAPTER OF YOUR BUSINESS OR CAREER?
A: Your primary goal is to remain ahead of the rapid changes in the technology and cybersecurity landscape. We will continue to evolve and expand our services to proactively protect our clients from emerging threats while improving the efficiency, reliability, and scalability of their operations.
DIGITAL PLAINS
BRANDON WENDLAND
Q: WHAT IS YOUR CURRENT ROLE/BUSINESS?
A: Financial Advisor with EFS Advisors. I mainly focus on families that are nearing retirement.
Q: CAN YOU SHARE A BIT ABOUT YOUR MILITARY SERVICE—BRANCH, ROLE, AND LENGTH OF SERVICE?
A: I have been in the ND Army National Guard for just over a decade. Most of my career was spent as a bridge crew member with the 957 MRBC in Bismarck, ND. I am currently serving as the Drill Sergeant for Fargo RSP, where I prepare newly enlisted soldiers for basic training.
Q: WHAT MOTIVATED YOU TO TRANSITION FROM THE MILITARY INTO BUSINESS OR ENTREPRENEURSHIP?
A: I was very close to taking a full-time position with the guard, but ultimately decided I wanted to be able to build something, which is difficult to do in the military. Active military service is certainly rewarding, but it doesn't offer the same type of freedom and opportunities to build a business that the civilian side does.
Q: ARE THERE LEADERSHIP LESSONS FROM THE MILITARY THAT YOU STILL APPLY TODAY?
A: Absolutely, oftentimes in the military, you are placed in leadership roles as a younger soldier and may not have the same level of experience as those you are leading. This has been very helpful to me as a retirement planner, often working with clients who have a lot more "life experience" than I do. My military leadership experience allowed me to have these client conversations with a lot more confidence.
Q: HOW HAS YOUR SERVICE SHAPED YOUR COMPANY CULTURE OR LEADERSHIP STYLE?
A: During my military career, I have experienced good and bad cultures. The main takeaway I got from these experiences is understanding how important culture actually is. Every company will have a different culture, and I am not here to say there is one culture that is "right", but I do know there are certain company cultures that don't work and ultimately lead to an ineffective team.
Q: HOW DO YOU BUILD CAMARADERIE OR TEAMWORK WITHIN YOUR ORGANIZATION?
A: This has been a pretty simple one for me so far because I really enjoy my team, and we are friends even outside of work. We get together for many things that don't involve work at all, and our families are deeply involved in each other's lives.
Q: WHAT ADVICE WOULD YOU GIVE TO OTHER VETERANS CONSIDERING ENTREPRENEURSHIP OR A CAREER IN BUSINESS?
A: If you are considering starting a business or find yourself running a team, think back to your time in the military and reflect on the good and bad times. Look back on the teams you were a part of and try to dissect the reasons some were great and others were not. This is another reference to culture and leadership styles. Apply the things that made an effective team, and aggressively eliminate the things that made it worse.
Q: WHAT ARE YOUR GOALS FOR THE NEXT CHAPTER OF YOUR BUSINESS OR CAREER?
A: I am excited to continue growing in my current role and look forward to growing the team. The ultimate goal is to bring on a couple of younger advisors and help them get started and build their practice as well.
BEYOND THE WHEAT FIELDS
LESSONS FROM THE DECK OF THE USS
ABRAHAM LINCOLN
By Greg Tehven, Founder, Emerging Prairie provided by Brandon Wendland
rowing up in a landlocked part of the country, surrounded by wheat fields, I gave little attention to the United States Navy. My Grandpa Bud would occasionally share stories of serving in the Philippines during World War II, but I never grasped the
magnitude of that service.
In high school, I passed by the military recruiters without much thought. I didn’t yet understand that service could take many forms—or that one of them might one day include me. My only glimpse of admiration came from watching Top Gun, my brother’s favorite movie,
Greg Tehven (third from the right) with a distinguished group of visitors aboard the USS Abraham Lincoln that included Evan Spiegel (Founder of Snapchat), Stephen Streiffer (Director of the Oak Ridge National Laboratory), Jennifer Park Stout (SVP Global Policy & Platform Operations at Snapchat), Willie Shih (Robert & Jane Cizik Baker Foundation Professor of Management Practice at Harvard Business School), and AJ Bleyer (DGA Director and Founder/EP at Advent Films)
but even then, I never imagined myself capable of such discipline and courage. That perspective changed in 2015 during Fargo Navy Week. My friend Jerry Rostad invited me to meet North Dakota native Admiral Stuart Munsch, who at the time served as Commander of Submarine Group Seven. What began as a polite introduction quickly became a transformative conversation. Admiral Munsch opened my eyes to the innovation, precision, and leadership embedded in our armed forces. The Navy, I learned, wasn’t just about ships—it was about strategy, technology, and an unwavering commitment to service.
Fast forward to this year. On February 18, I received a rather unusual invitation from the Commander, Naval Air Forces’ Distinguished Visitor Program to spend 36 hours aboard the USS Abraham Lincoln (CVN-72). Within ten minutes, I said yes—having no idea what it
entailed, where it was, or why I was invited.
A few weeks later, I found myself in a San Diego parking lot at 6 a.m., joining six strangers who would soon become fellow travelers on one of the most memorable experiences of my life.
We were hosted aboard the USS Abraham Lincoln, where we ate with sailors, slept in the barracks, and navigated the ship’s tight corridors. We stood on the flight deck as F-35s thundered into the sky and listened to instructors briefing young pilots on their final qualifying flights before becoming active-duty aviators.
As Evan Spiegel, Co-Founder and CEO of Snapchat, later shared after our group's visit:
“Landing on the deck of the USS Abraham Lincoln in a V-22 Osprey was exhilarating, and standing beside an F-35 as it launched was truly awe-inspiring, but what has stayed with me since was the incredible precision and unity of the crew. Watching the men and women on the flight deck choreograph a ballet of high-speed aircraft with unwavering focus and a deep commitment to safety was witnessing teamwork at its most extraordinary.”
I couldn’t agree more. For me, three lessons remain etched in my mind:
1. THE POWER OF SACRIFICE
The men and women who live at sea make immense personal sacrifices—missing birthdays, milestones, and quiet family moments. Equally profound are the sacrifices made by their families back home, who share their loved ones with the nation so the rest of us can enjoy peace and freedom.
2. PRECISION IN EVERY INCH
Real estate aboard the ship is sacred. Every square foot is optimized for maximum efficiency—from how aircraft are maneuvered to how emergency medical operations are organized. It’s a masterclass in operational design and disciplined execution.
3. THE HUMILITY OF NOT KNOWING
I left the Abraham Lincoln humbled and realizing how much I had overlooked the complexity and commitment of this extraordinary institution. The experience deepened my respect not only for those who serve but for the innovation and leadership that sustain them.
As we flew back to the mainland, I felt immense pride for my Grandpa Bud, for Admiral Munsch, and for every North Dakotan who has served our country. I realized that the tax dollars from families like ours in the heartland help power one of the most sophisticated and selfless organizations on Earth.
Today, when I think about leadership, teamwork, and service, I often picture that flight deck—an orchestra of precision and purpose, led by people who embody the very best of America.
The Busy Professional Stuffing Emotions
’m a 37-year-old business owner, mental health therapist, a Veteran of almost 20 years of the United States Air Force, a wife, and a mom to four little kids. I’ve done some really incredible things in life: I’ve written a book, narrated countless audiobooks, built a thriving business from literally nothing, and have the privilege of employing a team of top-notch, highly skilled professionals. Oh, and my biggest feat of all, I married the most handsome man in the entire Midwest!
I’m the loudest person in the gym when my kids compete, and you better believe I can beat just about anyone at Uno, Phase 10, and Yahtzee. I have a lot of gifts.
But here’s something most people don’t know, and honestly, I don’t love raising my hand to say it. For the first time in my life, at 37 years old, I walked into a therapy office for myself. To face the memories, fears, and darkness I’ve spent most of my life trying to tuck away.
If you stopped reading in the first paragraph, you might assume I have it all together. But trust, I’m human too. I’ve had to pull myself up by the bootstraps more times than I can count, and I reached a point where I had to admit that I needed help. And that realization came with shaking hands, a racing heart, and a twinge of embarrassment I wish I could deny.
Brittany Leigh Photography
About Brittany Schank
Brittany is Schank a licensed clinical social worker, owner of Solace Counseling, a group counseling practice with two locations in North Dakota, and Founder of the Solace Co Directory, a directory for therapist supervisors, supervisees, and consultants to find one another.
She is a firm believer that we need less fixing and more loving, less perfection and more appreciation for who we
What got me here?
I realized the version of me who showed up every day wasn’t the full, authentic me.
I’m a pro at people-pleasing, maybe even schmoozing. I love going deep with others, but I like the spotlight to stay on them. It’s the safe way. I learned early on that keeping the peace made life easier than speaking up. I also learned to work hard, never stop, and never ever disappoint.
Some of those traits have served me well. Others have drained the joy right out of me. It was time to figure out which was which.
If you asked my (incredible) therapist, she’d probably tell you that during our first few sessions, I could barely talk. I was terrified that if I opened my mouth, the tears would come, and I wasn’t sure I could manage them without making her uncomfortable. Protection of others was drilled into my brain, and I couldn’t even rescue myself from it.
Part of me didn’t even want to remember what had happened. There were so many events to recall, it felt safer to ignore them. Maybe if I ignored them, they wouldn’t be real. I could stay in my perfect “La
are, and less criticism and more encouragement around us.
Brittany can be found in her spare time with her husband chasing around their four young children, working at her therapy private practice, or all geared up for her part-time military career. Brittany is an audiobook narrator and author of "Narrating Audiobooks: Everything You Need To Know To Get Started".
Brittany identifies herself as a time management guru, lover of all things coffee, and takes pride in her competitive but humorous nature.
La Land” where everything was tidy, cozy, beautiful, and safe. But therapy isn’t about staying comfortable; it’s about stepping through the authentic door and stopping myself from continuing to leap into the people-pleasing door.
That’s where I am now: learning who I am, what I stand for, and which wounds need tending. It’s scary. I’m still scared.
Can You Relate?
Maybe you see yourself somewhere in my story.
Do you have wounds you’re afraid to heal? Do you ever wonder, Who am I really? Do you replay conversations in your head for hours, maybe even days? Is it hard to get out of bed? Hard to show up in public? Maybe it’s hard to get the memories to go away? Do the memories create shame?
And here’s a tougher one: are there things in your life you’d rather not talk about? Think about? Memories you’d prefer to keep buried? Things you wish your brain would stop saying?
Same. You’re not alone.
When to Seek Help
In my clinical experience (and personal experience), people often wait too long to get help. We tell ourselves things like, “Someone else needs it more,” or “Other people have it worse.” You may even be like me and say, “not ready yet.”
Mental health is a lot like sports: the longer you sit out, the more skills you have to go back and learn later. It’s never too late, but waiting just makes the climb longer and harder.
Here are a few signs it might be time to start therapy:
You’ve thought about it. Deep down, you already know it could help.
You’re finding life difficult. Maybe it’s decision fatigue, low confidence, anxiety, low mood, or just feeling stuck during a transition.
Something big happened. A death, deployment, diagnosis, divorce, trauma, or major life change. All of these are valid reasons to seek support.
You just feel “off." If your joy, calm, or sense of self has faded, that shift alone is reason enough to reach out.
Stories of Healing
Definitions to Know
"My definition of a traumatic event: an event that occurred that was surprising and created a big emotional response."
Anxiety
an abnormal or overwhelming sense of apprehension and fear often marked by physical signs (such as tension, sweating, and increased pulse rate).
Depression
Loss of interest or pleasure that lasts two or more weeks and is accompanied by irritability, fatigue, poor concentration, sleep disturbances, weight gain or loss, feelings of worthlessness or guilt, and sometimes suicidal tendencies.
Names and details have been changed to protect confidentiality, but these stories are real examples of courage I’ve witnessed.
Mabel, Age 87
Mable came to therapy carrying the weight of childhood abuse—physical, emotional, and sexual. Through trauma narrative therapy, she painstakingly revisited and wrote her story. She cried, laughed, and avoided, and then came back again. “It’s never too late to do the work,” she’d say. “I don’t want to leave this world holding this heaviness.” When she finished her narrative, she found both peace and pride in her bravery.
Jack, a man in his
30s
Jack came in for a gambling addiction, worried his wife would soon find out. As we worked together, he opened up about his time as a war Veteran, which involved memories he had buried for years. Over months, Jack began to separate “then” from “now." He learned to release his shame and guilt that followed him home from war. He started sleeping better, finding joy in sunsets, and understanding that his addiction wasn’t about money, it was about trying to control the uncontrollable.
Josie, Age 22
Josie was the “perfect” college student. Straight A’s, leader of every club, and admired by everyone. She was utterly exhausted. Behind the mask, she was lonely and constantly anxious about what others thought of her. When asked by her therapist to name three things she liked about herself, she couldn’t name one. She just cried. The words couldn’t come out, and her brain proved every good thing she could think of wrong. Together, we worked gently to quiet her inner critic, to see the good she couldn’t yet recognize, and to quiet those self-defeating thoughts. Over time, Josie learned that perfection wasn’t her identity, courage was.
John, Age 41
John is a physician who carried the weight of his career and his family entirely on his own shoulders. But there was something else he’d been carrying since childhood, a trauma that the adults in his life told him never to talk about. So he didn’t. John complied, just as he always did. But the compliance didn’t bring peace. Beneath the surface, anger lingered. It was powerful, unpredictable, and exhausting. Through traumafocused therapy, John began to explore those long-buried memories and understand that his anger wasn’t the problem; it was a symptom. Underneath it lived a deep sadness and a young boy who had never felt safe enough to be protected. Over time, John learned to face the memories without needing to run or hide. He found compassion for his younger self and developed a steady understanding of the intensity of his emotions. Today, John feels more connected to himself, not because the past disappeared, but because he finally made peace with the parts of himself he once had to silence.
Symptoms of Trauma:
• Avoiding distressing memories or reminders of an event
• Physical reactions (sweating, racing heart) when reminded.
• Difficulty recalling parts of the event
• Exaggerated startle response
• Irritability or anger outbursts
• Sleep disturbances
• Persistent negative beliefs about oneself
(Everyone experiences trauma differently. If you’re concerned about your symptoms, reach out to a licensed mental health professional.)
Find Help
If any of this resonated, please reach out and find the right counselor for you. Healing exists and is possible.
At Solace Counseling, we’re honored to walk beside you through life’s hardest chapters. And if you or someone you love is in crisis, please call or text 988 to reach the Suicide and Crisis Lifeline, or dial 911 for immediate help.
The Brady Oberg Legacy Foundation Heals Through Brotherhood and Purpose
By Brady Drake | Provided by The Brady Oberg Legacy Foundation
hen Tracy Dunham talks about the work of the Brady Oberg Legacy Foundation, she’s not speaking from a distance. She’s speaking as a sister. As someone who’s seen, firsthand, what it means for combat veterans to carry home invisible wounds, and how healing can happen not in an office or through a lecture, but around a grill, in a boat, or standing shoulder to shoulder fixing a car.
Two years ago, Dunham stepped into the role of Executive Director full-time, continuing the mission that began in honor of her brother, Sgt. Brady Oberg, a proud and dedicated U.S. Army veteran who died by suicide in 2015 after serving in Afghanistan. The foundation has grown from a tribute
to Brady’s life into a vital network that connects, heals, and empowers veterans across the region.
Building Connection, Not Just Awareness
“The biggest thing we focus on is connection,” Dunham said. “How can we connect veterans with other veterans?” That question guides nearly everything the organization does— from adventure retreats and fitness programs to new partnerships with local businesses.
These aren’t just events—they’re opportunities for veterans to rediscover camaraderie, belonging, and trust. Through collaborations with CrossFit Fargo and the nonprofit Fix It Forward,
the foundation has built spaces where veterans can sweat, wrench, or simply talk with people who understand them. “It’s about getting together in ways that feel natural,” she said. “We’re not forcing anyone to sit in a circle and talk about their trauma. We just want to give them a chance to connect.”
Even the outdoors, something Brady loved deeply, is woven into nearly every aspect of the organization. From hunting and fishing trips to the foundation’s “Patriot Houses,” two fully equipped ice fishing trailers stationed on Big Detroit Lake, the goal is to get veterans outside, engaged, and grounded. “The fishing or the hiking is what gets them there,” Dunham said. “But the real healing happens when they’re standing around a grill or telling stories they haven’t told in 20 years.”
Executive Director Tracy Oberg Dunham, Brady Oberg Legacy Foundation
About the Brady Oberg Legacy Foundation
The Brady Oberg Legacy Foundation was founded in 2015 to honor the life and service of Sgt. Brady Oberg, a proud Army veteran who served in Afghanistan. Created by his family and friends, the foundation’s mission is to support combat veterans through connection, community, and understanding. Based in the Fargo–Moorhead and Detroit Lakes region, the organization offers adventure retreats, outdoor experiences, and wellness partnerships designed to help veterans heal and rediscover camaraderie in everyday life.
Expanding Healing Through Innovation
Recently, the foundation launched a new partnership with Healing with Hyperbarics of Fargo, offering veterans access to hyperbaric oxygen therapy—a treatment known to help with traumatic brain injuries (TBI) and post-traumatic stress (PTS). “We just started this program in the last three months,” Dunham said, “and it’s been lifechanging for the veterans who’ve gone through it.”
The foundation is even covering the cost of treatment for select veterans through scholarships. “It’s not cheap,” she said, “but if it can help someone heal their brain and get their life back, it’s worth it.” This Veterans Day, they’ll offer
free sessions for veterans to try the treatment and learn more about its benefits.
Staying True to Brady’s Values
Every new idea is weighed through a simple lens of Would Brady have wanted this?
It’s a question that keeps the organization grounded.
“There are a lot of things we could do,” Dunham said. “People reach out all the time—financial advisors, speakers—but we ask ourselves, ‘Would Brady think this was something meaningful?’ He loved being outdoors, being around people who understood him. So that’s our focus.”
Brady’s quiet strength and humility also inform the foundation’s approach to recognition. “A lot of veterans don’t want to stand up when someone says, ‘All veterans, please rise,’” she said. “They’re proud, but they don’t need the spotlight. So we’re constantly thinking about how to honor them in ways that feel authentic.”
Carrying the Mission Forward
The foundation now serves between 750 and 1,000 veterans and first responders every year, primarily across North Dakota and western Minnesota, though participants have come from as far as Wisconsin. Its events include adventure retreats, and a June golf tournament, as well as community programs like Giving Hearts Day.
In addition to those large-scale events, the organization offers something even more personal—scholarships for veterans pursuing degrees in mental health fields at NDSU, UND, and Minot State. The goal is to cultivate more counselors who can say, “I’ve been
there. I understand. That’s huge,” Dunham said. “Because if you’re sitting with a counselor who’s never had to pull a trigger, it’s different. Veterans need people who truly get it.”
An Open Call to the Community
Looking ahead, Dunham hopes to grow the organization’s base of volunteers and local partnerships. “We’re open to anything,” she said. “If someone loves ice fishing and wants to take veterans out, awesome—we’ll find the people and cover the costs. If someone wants to start a veterans’ golf outing, we’d love that.”
She emphasizes that businesses don’t have to have all the answers—they just have to care. “When CrossFit Fargo reached out, they said, ‘We want to do something, but we’re not sure what.’ Together, we built a whole fitness program. That’s all it takes—someone willing to start the conversation.”
How to Get Involved
The foundation is always looking for volunteers, partners, and community supporters.
Ways to help:
• Offer your time or skills (event planning, photography, guiding outdoor trips, etc.)
• Partner as a local business to sponsor an activity or retreat
• Donate directly
• Invite a veteran you know to apply for an event or retreat
Mission in Action
Connection through Experience:
From fishing and hunting trips to CrossFit workouts and veterans’ nights at Fix It Forward Auto Care, the foundation builds environments where veterans can bond naturally.
Healing through Innovation:
A new partnership with Healing with Hyperbarics of Fargo provides scholarship-funded hyperbaric oxygen therapy to help veterans recover from brain injuries and PTSD.
Investing in the Future:
Scholarships at NDSU, UND, Minot State, and the University of Mary support veterans pursuing degrees in mental health fields—so those who’ve served can help others heal.
Learn more about the Brady Oberg Legacy Foundation
FOLDS OF HONOR AND D-S BEVERAGES PARTNER TO MAKE A DIFFERENCE
By Brady Drake | provided by D-S Beverages
his spring, the iconic Budweiser Clydesdales traveled across the country to celebrate tradition, and a mission of deep gratitude and hope. Their tour supported Folds of Honor, a nonprofit that provides educational scholarships to the families of fallen or disabled U.S. service members and first responders.
Since its founding in 2007, Folds of Honor has awarded more than 44,000 scholarships nationwide, and through its partnership with Anheuser-Busch, local distributors like D-S Beverages have played a key role in sustaining that mission. Together, Anheuser-Busch, its brands, and wholesaler partners have contributed more than $33 million, funding over 6,600 scholarships for deserving students
A Local Story of Resilience and Legacy
Among this year’s scholarship recipients is Elisabeth Joanne Drewlo, a University of North Dakota law student whose father, U.S. Marine Corps Corporal Gerald “Scott” Drewlo, was permanently injured in a training accident while serving in California.
Elisabeth’s journey with Folds of Honor began, as she puts it, “with a lot of Google searches.” Searching for ways to help pay for her education, she discovered Folds of Honor and applied. “You have to submit your parent’s DD-214, a letter from the VA proving a service-connected disability—it’s a thorough process,” she said. “It’s not just the financial help,” she says. “It’s knowing that my father’s sacrifice is seen and honored—that I’m part of a bigger family that stands behind those who serve.”
A Father’s Service and Strength
Elisabeth’s father, Scott Drewlo, served with distinction, stationed in Okinawa, Japan; the Philippines; South Carolina; and California. After being injured in a training accident, he continued to serve his community in remarkable ways—first as a corrections officer, then as a volunteer firefighter, and ultimately as a police officer in Duluth, Minnesota.
During his 20-year law enforcement career, he worked his way up to become Chief of Police at the University of Minnesota Duluth, even helping to solve a cold-case homicide along the way.
Elisabeth hopes to change.
“He definitely persevered,” Elisabeth said. “Even after his injuries, he never stopped finding ways to serve.”
Carrying the Mission Forward
Inspired by what Folds of Honor has done for her family, Elisabeth is now working to establish North Dakota’s first Folds of Honor chapter. North Dakota remains one of the few states without an active chapter, something
“There are no local events or resources for recipients here,” she said. “So, I’m organizing a golf tournament in Fargo next July to build awareness and gauge support. If it’s successful, we can move forward with filing the paperwork to officially start a chapter.”
She’s already connecting with local businesses and community leaders, and D-S Beverages—the Fargo-based Anheuser-Busch distributor—has been among the first to step up in support. Through their involvement, they continue to amplify the mission: to honor the sacrifice of America’s heroes by educating their legacy.
D-S Beverages: Community Commitment in Action
D-S Beverages has long believed in using its platform to make a local impact. As a family-owned business and one of North Dakota’s most established beverage distributors, the company views partnerships like this as part of its civic responsibility.
“When you see what Folds of Honor does—not just nationally, but for people right here in our community— it’s powerful,” said a representative from D-S Beverages. “Education changes lives, and supporting the families of those who’ve served is something we’re proud to be part of.”
Their collaboration extends beyond financial support; through events, outreach, and awareness campaigns, D-S Beverages continues to ensure that the legacy of service is honored not only in words, but in lasting opportunities for the next generation.
MAKER Meet The
By Brady Drake provided by Ashley Morken
RECAP!
Every month, Unglued owner Ashley Morken spotlights a local maker turning ideas into must-have goods. With this being our Shopping Issue, we’re rewinding through a year of favorites—illustrators and stained-glass pros, paper wizards and candle alchemists, freeze-dried candy geniuses, felt-flower virtuosos, pajama designers, soap makers, and community art-builders. Consider this your cheat sheet to shopping local—and finding something you’ll actually love to give (or keep).
November 2024: BiblioTrek
Illustrator and storyteller Mark Elton stands out for his wit, imagination, and ability to turn the whimsical into the wonderful. Whether he’s blending pop culture icons like Danny DeVito and Pikachu into one unforgettable fever dream or crafting richly illustrated books filled with fantastical creatures, Mark’s work as BiblioTrek perfectly captures the magic of curiosity and humor that defines Fargo’s creative community.
A Storyteller with Ink and Imagination
Mark describes himself as a caffeine-fueled illustrator who finds joy in cats, podcasts, and delightfully terrible movies. His art, shaped by influences ranging from Norman Rockwell to Mike Mignola, blends classic storytelling techniques with bold, comic-inspired imagination.
BiblioTrek began as a heartfelt gift—when his brother and sister-in-law were expecting their first child, Mark decided to create a unique animal book that would spark wonder instead of offering the usual cats and cows. That project became "Atypical Animals," followed by "Curious Critters," and "Fantastic Fauna"—each book an exploration of creativity and childlike fascination.
Craft, Curiosity, and Character
Mark’s work spans both 2D and 3D, and he approaches each with the same mindset: sculpting as he paints, and painting as he sculpts. His favorite pieces, “Rogues & Royals” and “Movie Night,” mark milestones in his artistic evolution. Still, the unexpected hit—“Danny Devikachu”— remains his most beloved creation, a playful hybrid that’s earned a cult following across stickers, charms, and mugs.
BiblioTrek
| BiblioTrek.com
| @bibliotrekoriginal
December 2024: Morgan’s Stained Glass
Over the past couple of years, Morgan Niederkorn has transformed the FargoMoorhead area into a kaleidoscope of color and creativity—one suncatcher at a time. Through her business, Morgan’s Stained Glass, she not only sells her beautifully crafted pieces but also teaches others the art of stained glass, spreading the joy of making something vibrant and handmade.
A Creative Journey in Color
Originally from the northern suburbs of Minnesota, Morgan’s creative spirit took shape early. From cross-stitch and crochet to ceramics and stipple drawings, she explored every medium before falling in love with stained glass—a skill she first picked up from her mom. After moving to Fargo in 2022 with her husband and welcoming their first child a year later, Morgan has found a rhythm that blends artistry, teaching, and family life.
From Hobby to Handmade Business
What began as a personal hobby soon grew into a full-fledged business. Starting with small projects and gifts, Morgan’s work quickly caught attention online and through custom orders. As her following grew, she began selling at local markets and collaborating with another artist to teach classes. Now, she balances making one-of-a-kind pieces with teaching workshops throughout the region.
Her collection ranges from classic suncatchers and decorative glass to pre-made stained glass kits and take-home mosaic kits designed for beginners. Among her most beloved creations? A stained glass Princess Peach, painstakingly handcrafted for her best friend—and her best-selling dachshund, monstera leaf, and hummingbird designs that never stay on the shelf for long.
Teaching the Art of Glass
Morgan’s love for teaching started back in Minnesota, where
MAKER
she guest taught at The Artery in Anoka. After relocating to Fargo, she brought that passion with her—hosting hands-on stained glass workshops at the Plains Art Museum, Unglued in Brewhalla, SheyWest, and other local spots. Her classes have inspired a growing community of glass artists, some of whom, like Crystal Cryptid Creations by Mindy, now sell their own work.
When asked what she enjoys most, Morgan points to the freedom and flexibility of creative self-employment—especially the ability to spend quality time with her child before diving into her craft. The biggest challenges? Keeping up with messages and emails, and recovering from an email hack in 2023 that forced her to rebuild her online presence from scratch.
Morgan’s Stained Glass | / MorgansStainedGlassMN
January 2025: AP Creations
When you stumble upon a card featuring a balloon animal beside a disco ball and a cassette tape, you’ve officially entered the playful, colorful world of Amy Miller—the creative force behind AP Creations. Through her vibrant cards, cheeky magnets, and confetti-filled art, Amy transforms paper into pure happiness. Her work is part celebration, part nostalgia, and all heart.
A Creative Balance
By day, Amy works fulltime crunching numbers. By night (and often into the weekends), she channels her creative energy into designing cards, bookmarks, keychains, and more. A wife, mom of two, and pet lover, she’s been crafting cards for over 14 years—long before it became a business. “I couldn’t possibly use them all, but I really tried,” she said. Selling them became a way to share that joy with others.
Turning Passion into Purpose
Amy’s maker journey took off when she applied to be a vendor at Unglued Market and the Unglued Craft Fest in 2021. That acceptance was the push she needed to take AP Creations from hobby to business. Since then, she’s connected with an inspiring network of local makers while continuing to grow her brand and explore new ideas—like her latest obsession: confetti art.
Her creations span everything from punny
greeting cards to magnetic mini-golf holes (yes, really). Each design bursts with color, dimension, and personality—whether it’s a ribcage Valentine’s card that’s “a little dark but funny,” or a Father’s Day card spelling out “DAD” using actual golf holes. For Amy, the joy is in the challenge of taking an idea—no matter how wild—and bringing it to life.
From Scraps to Sparkle
In true maker fashion, Amy found inspiration in her scraps. Faced with piles of leftover paper from die-cutting, she dreamed up a way to repurpose them into something new: shredded-paper confetti art. The process is meticulous—gluing down shreds onto a board, sealing them, and layering 3D-printed lettering that she designs herself. The result? Glittering, dimensional pieces that feel alive with color and texture.“I never know exactly what I’ll get until I open the shredder,”she said.“It’s like unwrapping a surprise every time.”
Her background with 3D printing and digital cutting has expanded her creative possibilities, blending modern tools with traditional crafting. It’s proof that innovation and imagination go hand in hand—if you’re willing to experiment.
AP Creations
| /apcreationsnd
| @apcreationsnd
| apcreationsnd@gmail.com
February 2025: Josh of All Trades
You’ve heard of a jack of all trades—now meet Josh of All Trades. This Fargo-based maker blends creativity, craftsmanship, and curiosity into one endlessly inventive small business. We first met Josh through his daughter, a young maker at the Unglued Craft Fest, and it turns out the creative spark runs deep in their family. A few years later, Josh has launched his own venture, transforming wood, epoxy, and 3D printing into oneof-a-kind handcrafted pieces that celebrate both artistry and exploration.
The Maker Behind the Name
Originally from the Twin Cities, Josh moved to the Fargo-Moorhead area nearly 25 years ago to attend NDSU and never left. A lifelong tinkerer and outdoorsman, he’s equally at home turning wood in his shop as he is diving deep beneath Lake Superior’s surface. “I spend a lot of time outdoors fishing, camping, and hiking,” he said. “Lately, I’ve been doing a lot more SCUBA diving— especially shipwreck diving in Lake Superior.”
From Fly Rods to Fine Craftsmanship
Josh’s creative journey began with an unexpected gift: a certificate to build his
own custom fly fishing rod. What started as a simple project quickly turned into a passion. Determined to make it completely from scratch, he bought a used lathe to turn his own wooden handle—and fell in love with woodturning.
Fifteen years later, that curiosity has evolved into a thriving craft business combining woodwork, resin, and 3D printing. Today, Josh specializes in custom lighters, pipes, pens, and topographical lake map lights—each piece blending traditional craftsmanship with modern innovation.
Josh of All Trades | /joshofalltradesMN | @joshofalltrades218 | joshofalltradesmn.etsy.com
By Ashlyn Schauer Marketing + Communications Manager, Emerging Prairie
provided by Emerging Prairie
WHAT IS PRAIRIE CAPITAL SUMMIT?
Access to capital and investors is one of the biggest issues facing entrepreneurs in the Midwest. Prairie Capital Summit is an event that aims to provide a solution. This summit intimately connects
entrepreneurs, investors and resource partners in order to create a space for discussions around capital to happen.
This event is designed to create an atmosphere for investors, founders, students and resource partners to come together to share, learn
and connect with others in the region about the potential of equity position financing. The summit features keynote speakers, panel discussions, breakout workshops, and a showcasing of resources.
MEET THE PRAIRIE CAPITAL SUMMIT KEYNOTE SPEAKERS
CHRIS HEIVLY
Chris Heivly is one of the nation’s leading experts in how to turn startups into multimillion-dollar companies. At a time when the nation’s economy is shifting from a reliance on large corporations to smaller, more innovative organizations, he has been dubbed “The Startup Whisperer.”
For over 30 years, Heivly has worked at the highest levels for some of the world’s most recognized brands, including MapQuest, which was sold to AOL for $1.2 billion; Rand McNally, the world’s largest map publisher; and
Accenture, the largest multinational management consulting, technology services, and outsourcing company on the planet. He has also personally directed over $75 million in investment capital on behalf of these and other companies.
Heivly currently serves as one of two managing directors of The Startup Factory, the largest seed investment firm in the Southeast. Under his leadership, the firm has made 35 investments in just three years in emerging technology companies. More than 60 percent of TSF’s portfolio has gone on to raise follow-on capital, more than double the industry average for similar investment programs.
BETSY FORE
Betsy Fore is a three-time founder and operator turned investor. She is
the Founding Partner of Velveteen Ventures, investing in children and the planet for the next seven generations. She is the first Native American—Turtle Mountain Chippewa—to raise a Series A (over $20M). She has spoken at Google, CES, World Economic Forum, Grace Hopper, TEDx, Food is Medicine Global Summit, and served as a judge at the MIT Startup Competition.
She has been honored with Entrepreneur's 100 Women of Impact, driving real change in business and culture, Chief’s Top 50 Execs in the New Era of Leadership, Cosmopolitan’s New C-Suite 2024, Blueprint Capital Advisor's Power100 Honoree in Venture Capital category 2025, and Forbes 30 under 30.
Betsy is a three-time founder of two multi-million dollar brands and a nonprofit. She is the co-founder of Tiny Organics, a company that she’d built for her son, growing it from zero to
$13M+ revenue in the first two years. Prior to that, she was the founder of pet wearables brand WonderWoof, which she’d built for her dog. WonderWoof made Oprah's Favorite Things list and launched at Bloomingdale's, Harrods, Colette, Best Buy, Urban Outfitters, and every Petco. Her products have been featured in Vogue, Wired, Good Housekeeping, Wall Street Journal, Tech Crunch, among others.
She is also the co-founder of Natives Rising, a nonprofit dedicated to increasing Indigenous representation in tech and entrepreneurship. Natives Rising is one of the largest communities of Indigenous technologists and Indigenous Founders with members representing over one hundred tribes.
Betsy is determined to back other founders with big ideas that are shaping future generations.
THE MISSION:
j Showcase Deal Flow: Highlighting funds raised and success stories of local entrepreneurs.
j Investor Engagement: Featuring investors who have invested in North Dakota companies.
j Facilitate Connections: Creating a platform for meaningful interactions between investors and startups
j Startups: Discover potential investors, understand the capital landscape in North Dakota, and refine your pitch.
j Investors: Identify promising startups, explore investment opportunities, and learn why North Dakota is an attractive investment destination.
WHO IS THIS EVENT FOR?
j Entrepreneurs: Looking to raise capital and explore equity financing as a pathway to grow their startup.
j Investors: Seeking investment opportunities in early-stage startwups.
j Community Organizations: Supporting entrepreneurs with state or public resources.
j Students: Seeking careers in venture capital or entrepreneurship.
j Support Professionals: Legal financial advisors, SBDC representatives, and more.
j Government Officials: Actively involved in funding initiatives.
Learn more about Prairie Capital Summit by scanning the QR code!
By Brady Drake
WHERE PEOPLE WANT TO WORK
a world reshaped by hybrid schedules, mental health crises, and shifting generational expectations, designing an office that attracts and retains people isn't just about ping pong tables and fancy lobbies. It’s about building a workplace that resonates—emotionally, physically, and culturally. Here’s how to build that kind of space.
CULTURE BEFORE
FURNITURE
No open floor plan or ergonomic chair can fix a toxic workplace culture. The best offices are intentional when it comes to values and leadership. That starts long before design.
DEFINE THE “WHY”
Before you renovate a single square foot, ask: Why should someone want to spend time here? Is it collaboration? Creative energy? Mentorship? Your physical space should reflect your cultural goals.
PSYCHOLOGICAL SAFETY
Trust and transparency must be embedded at every level. People want to feel like their voice matters, and that showing up in person adds value beyond tasks—it should foster connection, creativity, and growth.
LEADERSHIP PRESENCE
A workplace thrives when leaders are visibly engaged—sharing vision, celebrating wins, showing up for teams. Offices where the executive team hides in corner offices or remote locations often become ghost towns.
DESIGN THAT WORKS FOR HUMANS
Design should inspire and function. Spaces that are beautiful but impractical, or efficient but cold, fail to create an environment where people want to be.
NATURAL LIGHT AND BIOPHILIA
Humans weren’t built for life under fluorescents. Maximize natural light and integrate plants, natural textures, and views of the outdoors. These elements have measurable effects on mood, creativity, and wellbeing.
ZONES, NOT UNIFORMITY
Avoid one-size-fits-all layouts. The best offices provide zones: quiet focus spaces, collaboration pods, casual hangout areas, and private nooks. Variety empowers autonomy and productivity.
QUALITY OVER QUIRK
Skip the gimmicks unless they serve a real purpose. A slide in the lobby might get attention, but cozy chairs, temperature control, and noise management are what keep people coming back.
FLEXIBILITY IS NON-NEGOTIABLE
If 2020 taught us anything, it’s that the future of work isn’t rigid. Offices that thrive today offer purposeful presence—spaces that invite, not require.
INTENTIONAL HYBRID DESIGN
Ensure the office is compatible with remote teams. Include virtual collaboration setups, meeting room tech that actually works, and seamless ways to plug in and go.
UNASSIGNED SEATING, THOUGHTFULLY DONE
“Hot desking” only works if it’s supported by good lockers, booking systems, and personal storage options. If not, it breeds resentment and chaos.
AUTONOMY OVER ATTENDANCE
Don’t treat in-office time as mandatory compliance. Make it so people want to come in—because it helps them do their best work, connect with peers, or tap into energy they can’t get at home.
AMENITIES THAT RESPECT, NOT PATRONIZE
Gone are the days when free LaCroix was considered an employee benefit. Perks should show thoughtfulness, not trend-following.
FOCUS ON WELLNESS
Offer quiet rooms, meditation pods, or wellness areas where employees can recharge. Better yet, integrate mental health resources into your workplace offerings—on-site or virtual.
BUILD RITUALS, NOT JUST ROOMS
The most compelling offices are more than spaces—they’re ecosystems of belonging. And that requires intentional rituals that reinforce connection and culture.
CREATE SHARED RHYTHMS
Whether it’s Monday team standups, Friday lunches, or quarterly in-person jams, recurring touchpoints give people a reason to show up—and something to look forward to.
SUPPORT PARENTS AND CAREGIVERS
Nursing rooms, family-friendly policies, and flexible hours matter more than arcade games. Show you respect employees' whole lives, not just their on-duty hours.
FOOD AS FUEL, NOT FLUFF
Catered lunches are great, but offering healthy snacks, hydration stations, and space to eat together (without rushing) builds community.
CELEBRATE IN PHYSICAL SPACE
Mark milestones visually and communally. A wall of employee wins, art made by team members, or rotating personal shoutouts make people feel seen and celebrated.
SPONTANEITY WITH STRUCTURE
Magic happens in casual hallway chats, but only if the culture encourages it. Build in loose structure—creative mornings, open whiteboard sessions, drop-in mentorship hours—to prompt healthy collisions.
EMBED BRAND AND PURPOSE INTO THE SPACE
A well-designed office should feel like your company—not a copy-paste from a corporate catalog.
USE VISUAL IDENTITY THOUGHTFULLY
Incorporate brand colors, mission statements, product references, or customer testimonials into wall art, furniture, and displays—but keep it tasteful. It should inspire, not overwhelm.
LOCAL MATTERS MORE THAN GLOBAL TRENDS
The best workplaces are rooted in place. A startup in Fargo should feel different than a fintech firm in San Francisco—and that’s a good thing.
SUPPORT LOCAL VENDORS
Use regional furniture makers, local artists, and neighborhood coffee
MEASURE WHAT ACTUALLY MATTERS
Designing a compelling office doesn’t stop at move-in day. You need to listen and iterate.
ASK THE RIGHT QUESTIONS
Surveys should go beyond “do you like the office” to things like:
• Do you feel energized after working here?
• Is this space helping or hindering your collaboration?
• Are there times or rooms you avoid—and why?
TRACK BEHAVIOR, OT JUST ATTENDANCE
How often do people use meeting spaces vs. quiet zones? Which rooms are always booked or never used? Data will reveal what your team values.
ADAPT OVER TIME
The best offices are living environments. Stay agile. Tweak
TELL YOUR STORY
From the reception area to the kitchen, each space is a chance to communicate who you are. Feature founder stories, employee-led art, photos from community events, or client work in action.
MAKE THE MISSION TANGIBLE
If your company supports sustainability, your office should reflect it with green materials and low-waste systems. If you’re about creativity, your layout should invite exploration and experimentation.
providers. Not only does this show local pride, it makes your office feel real, not sterile.
REFLECT COMMUNITY VALUES
If your city loves hockey, hang vintage jerseys in the lounge. If you’re in a historic building, tell that story. This is about embracing place—not erasing it.
layouts. Test ideas. Let your people shape the space alongside you.
MAKE THE OFFICE EARN ITS PLACE
In the end, the goal isn’t just to create an office people tolerate—it’s to build one they choose. That choice comes from how it feels: supportive, inspiring, purposeful, and human.
A great office is not just a place to work—it’s a place to grow, connect, and belong. And in an era where talent can work from anywhere, that is what makes people come back.
LOCAL EXPERTS WHO CAN HELP YOU BUILD A BETTER OFFICE
INTERIOR DESIGNERS & ARCHITECTURAL FIRMS
R.L. ENGEBRETSON
West Fargo’s RLE is known for solving problems with creativity and building offices that match their clients’ visions. They've completed projects for regional powerhouses like Scheels and Eide Bailly, blending collaborative layouts with thoughtful lighting and finishes.
rleco.com /rlengebretson @rlengebretson
ZERR BERG ARCHITECTS
With more than two decades of service, this Fargo firm takes a people-first approach. Their work for Bell Bank's downtown space is a local standout: natural light, flexible workstations, and community-minded aesthetics.
With 125+ years of legacy, Foss blends classic professionalism with modern function. From corporate campuses to retail hubs, their team handles it all while staying on budget.
fossarch.com /FossArchitecture @fossarchitecture
MICHAEL J. BURNS ARCHITECTS
Based in Moorhead, MJBA specializes in adaptive reuse and modern design. If you're looking to convert a historic space into a stunning office, they're the go-to team.
mjbaltd.com
/MichaelBurnsArchitects @michaeljburnsarchitects
TL STROH ARCHITECTS & INTERIORS
A trusted name in regional commercial design, TL Stroh is known for delivering on-time and on-budget, with projects for Bell Bank and Cass County to their name.
tlstroh.com /tlstroh
DESIGN DIRECTION
This Fargo studio provides a one-stopshop experience, from layout planning to furniture selection. They specialize in interiors that reflect your company’s unique identity.
Personalized, boutique service with commercial know-how. Monica's team is known for detail-driven designs that balance beauty with day-to-day practicality.
A powerhouse in regional design, EAPC provides full architecture and engineering services across healthcare, education, civic, and industrial sectors. Their multidisciplinary team takes projects from concept through construction with a streamlined, clientfirst process. With more than 55 years in business and a strong Fargo office, their recent local work includes the NDSU Peltier Complex, West Fargo Fire Headquarters, and The Wave by EPIC Companies.
eapc.net
STROM ARCHITECTURE
Led by Jackson Strom, this West Fargo firm focuses on high-end residential and boutique commercial design with a transparent, client-centered process. Every project includes 3D modeling and detailed material selection. Known for artistry, communication, and craftsmanship, Strom Architecture has become a sought-after name across the Dakotas and Upper Midwest.
stromarch.com
JLG ARCHITECTS
A regional leader and 100% employeeowned firm, JLG operates with a “Design for Life” philosophy that prioritizes community, sustainability, and meaningful client relationships. Their Fargo projects—such as No Bull Restaurant and Pinch & Pour—reflect their belief that “good design makes life better.”
jlgarchitects.com
JLG ARCHITECTS
A regional leader and 100% employeeowned firm, JLG operates with a “Design for Life” philosophy that prioritizes community, sustainability, and meaningful client relationships. Their Fargo projects—such as No Bull Restaurant and Pinch & Pour—reflect their belief that “good design makes life better.”
jlgarchitects.com
FURNITURE & WORKSPACE SOLUTIONS
CONNECT INTERIORS
The region’s premier Steelcase dealer, Connect offers ergonomic furniture, space planning, and installation—all with a client-first, woman-owned team.
This Haworth-certified dealer has decades of experience creating streamlined, healthy work environments. Think collaborative benching, height-adjustable desks, and stylish meeting setups.
fluidinteriors.com /fluidfargo /fluid-interiors
NEO INTERIOR DESIGN STUDIO
Specializing in modern, highfunctioning interiors, NEO brings bold vision and meticulous detail to commercial and residential spaces. Their team crafts environments that reflect identity, purpose, and aesthetic impact.
neoidstudio.com /neointeriordesignstudio @neo_ids
FARGO WOODWORKS
Custom desks, live-edge conference tables, and wood furnishings built right here in town. Ideal for adding personality and craft to your space.
Sound masking, acoustics, video conferencing systems, and digital signage—Tricorne makes office tech seamless and user-friendly, with over 30 years in the biz. tricorneaudio.com
NETCENTER TECHNOLOGIES
From HD conferencing setups to smart office automation, NetCenter’s AV division builds rooms that are intuitive and collaborative.
netcentertech.com /NetCenterTechnologiesInc
/netcenter-technologiess @netcentertechinc
SITE ON SOUND
Whether you need a revamped boardroom or audio solutions across your entire space, Site On Sound delivers customized setups that just work.
From blueprint to ribbon-cutting, Roers has built many of the region’s top office spaces. They offer full design-build services and a reputation for quality.
roers.com /roers.buildingsuccess
OLAF ANDERSON CONSTRUCTION
With over 100 years of experience, Olaf Anderson handles large-scale builds and unique renovations with craftsmanship and integrity.
The information below is from Jan-Sep 2025 vs Jan-Sep 2024. The TOP row in each cell is YTD through September 2025, and the BOTTOM row is 2024 YTD. The information below is from Jan-Sep 2025 vs Jan-Sep 2024. The TOP row in each cell is YTD through September 2025, and the BOTTOM row is 2024
NEW CRE PERMITS BY $ VALUE
TOTAL NEW OFFICES BY $ VALUE
TOTAL NEW RETAIL BY $ VALUE
TOTAL NEW INDUSTRIAL BY $ VALUE
TOTAL MULTI-FAMILY UNITS BY $ VALUE
Channeling Success:
How Kaia Watkins Carved Her Own Path in Marketing
When Kaia Watkins walked into Flint Group as a young graphic designer fresh out of college, she didn’t picture herself leading one of the agency’s fastest growing teams. Twenty years later, she’s the vice president of channel marketing, guiding dealer and franchise clients across the country and proving that sometimes the best careers are the ones you never planned for.
Watkins grew up on a farm in Minnesota before moving to the Fargo–Moorhead area for college. She studied graphic communications at Moorhead State, focusing on animation, and once dreamed of becoming a forensic animator. That path came to an abrupt halt during her senior project when she realized she couldn’t stomach defending a man she believed guilty of arson and murder. “I was physically ill for weeks,” she said. “I knew I couldn’t build a career helping someone I didn’t believe in.”
Kaia Watkins
VICE PRESIDENT OF CHANNEL MARKETING, FLINT GROUP
Instead, she took a job at Flint, not knowing much about marketing but ready to work. What started as production art evolved quickly. She found herself drawn into the agency’s localized dealer marketing work for agriculture and construction equipment. That zigzag into strategy turned out to be the lane where she belonged.
By Jordan
Building the Channel Team
For years, Flint has helped equipment dealers reach local audiences with targeted campaigns. Watkins saw the potential to expand that expertise into the franchise world. Under her leadership, the channel marketing team began testing the model with brands like Merry Maids.
The results came fast. “We started with six Merry Maids locations,” she said. “Within two weeks, half reported record-setting revenue weeks. Their phones were ringing off the hook.”
For franchisees trying to stand out in their communities, Flint’s localized marketing solutions became a lifeline. Watkins has helped position the agency as a partner not just in creative, but in real business outcomes such as more leads, more visibility and measurable growth.
Finding Space at the Table
If scaling a new service line sounds challenging, Watkins will tell you it’s not even the hardest part of her job. That title belongs to the ongoing experience of being one of the few women in the room.
“Most of my clients are in manufacturing, which is still a very male-driven industry,” she said. “Navigating that space and having the confidence to be heard hasn’t always been easy.”
She recalls plenty of meetings where she was the only woman at the table. She persisted, sharpening her voice and carving out space where there wasn’t any. Over time, she’s seen both herself and the industry change, but she’s quick to point out that there’s still work to be done.
Her advice to young women entering male-dominated fields is simple and direct: “Own your voice. Don’t wait for permission. Build your own lane.”
Lessons from Special Olympics
Much of Watkins’ leadership training didn’t happen in boardrooms, but on fields and gym floors across North Dakota. For the past 18 years, she’s volunteered with Special Olympics North Dakota, now serving as chair of the state board.
Early on, she was asked to lead a subcommittee at just 26 years old. “I walked into a room of lawyers, bankers and business leaders and thought, ‘What am I doing here?’” she said. “But the nonprofit world is incredibly supportive, and it gave me the confidence to step up.”
The leadership skills she practiced in volunteer work translated back into her career at Flint, allowing her to guide teams and clients with the same blend of strategy and empathy.
Advice for the Next Generation
Looking back, Watkins laughs at how little she knew when she first graduated. “I’d tell my younger self, you know enough to figure it out. As long as you keep learning, you’ll be fine.”
She encourages aspiring marketers to stay ahead of trends, test constantly and be unafraid of failure. “Most things aren’t going to turn out the way you expect them to—and that’s okay. You’ll figure it out as you go,” she said.
Beyond the Office
Outside of Flint, Watkins loves to travel, dive into new hobbies and recharge with her two rescue pit bulls, Moose and Piper. During COVID, she picked up leatherworking and now subscribes to a craft-of-the-month club that sends her everything from wood carving kits to Japanese pottery repair projects. “It’s been a good way to slow down and use a different part of my brain.”
Carving Her Own Way
In an industry still dominated by men, Kaia continues to prove that leadership isn’t about waiting for an invitation— it's about building your own chair at the table and pulling others up beside you.
BY WENDY KLUG
DEPUTY DISTRICT DIRECTOR, NORTH DAKOTA SBA
isasters can be a death sentence for small businesses. In fact, a staggering 25% of businesses that suffer a major disaster will never reopen. For those that do, the battle is far from over; Within just one year of reopening, another 25% will close their doors for good. These numbers don't lie; nearly 50% of businesses won't survive past a year.
While some disasters are out of your control, you're not powerless. Preparing and planning is your secret weapon, giving your business a fighting chance to beat these devastating odds.
WHAT IS A BUSINESS DISASTER?
When you hear the word disaster, you might imagine brutal winds that take out several power lines or a city-crippling snowstorm. In North Dakota, businesses are no strangers to these weather events. Often, small, incremental weather won’t halt business for too long, but larger operational shutdowns can be devastating for a business. But what if the disaster isn’t weather related but rather man-made? It could be a devastating cyberattack, a critical technology failure, or even a sudden utility blackout. Every business has unique vulnerabilities, and these human-made threats can be just as dangerous as a natural disaster.
ASSESS YOUR BUSINESS VULNERABILITY
A variety of factors can affect your business’s vulnerability. By identifying risks that will directly impact your specific business, you can prepare effectively and minimize downtime. You’ll thank yourself if your business ever faces a disaster.
Small businesses in North Dakota face a variety of vulnerabilities from both natural and man-made disasters that could lead to a complete shutdown. Start by conducting a risk assessment to identify potential threats and vulnerabilities specific to your business and location.
DEVELOP A BUSINESS RESILIENCY PLAN (BRP)
Why: A BRP minimizes downtime, reduces financial losses, and helps maintain customer trust. It is your business's roadmap for keeping critical functions operational during and after a disaster. It ensures that even if your physical location is compromised, your core business can continue, whether through remote work or an alternate site.
How: Assemble a dedicated team to develop the BRP. Identify critical functions like payroll, customer service, and supply chain. Document step-by-step procedures for each scenario, including who is responsible for what. Once you have completed
this document, put it into action. Don’t let it sit on your desk and go unused. Continue to update this document as your business evolves.
SET ASIDE AN EMERGENCY FUND
Why: An estimated 40% of small businesses never reopen after a disaster, often due to insufficient financial reserves and a lack of a clear recovery plan. Proactive financial planning minimizes downtime, protects assets, and prevents reliance on highinterest loans during a crisis, thereby significantly increasing the chances of business continuity and preserving jobs within the community.
How: Businesses should build a robust emergency fund, ideally covering three to twelve months of operating expenses like rent, payroll, and utilities, held in a separate, easily accessible account. In case a disaster lasts longer or hits your business harder than you had financially prepared for, make sure you have explored backup emergency funds, such as loans. (You may be eligible for a low-interest disaster recovery loan through the SBA for damaged and destroyed assets in a declared disaster.)
IMPLEMENT ROBUST DATA BACKUP AND SYSTEMS RECOVERY STRATEGIES
Why: Data loss can be catastrophic. Whether due to a power surge,
cyberattack, or physical damage to your office, losing vital information can halt operations indefinitely and lead to severe financial and reputational damage.
How: Regularly back up all critical business data – financial records, customer databases, operational documents, and intellectual property. Invest in reliable cloud backup solutions or off-site physical storage. Periodically test your recovery process to confirm data integrity and accessibility. Utilize the "3-2-1 rule": three copies of your data, on two different media types, with one copy stored off-site.
REVIEW AND UPDATE INSURANCE COVERAGE
Why: Underinsured businesses can face immense financial hardship after a disaster. The right insurance can provide the necessary funds for repairs, replacement of assets, and income replacement, facilitating a quicker recovery.
How: Work with your insurance agent to review your existing policies yearly. Ensure you have adequate coverage for property damage, business interruption (which covers lost income during closure), and liability. Obtain detailed explanations of your policy limits, deductibles, and exclusions. Understand what types of disasters are covered and if any additional riders are needed. Keep insurance documents in a secure, accessible location, both physically and digitally.
ESTABLISH A CLEAR COMMUNICATION PLAN
Why: Misinformation or a lack of communication can lead to panic and further disruption. By developing a clear communication plan, a business can help minimize chaos and misinformation,
protect reputation and brand, keep employees and stakeholders informed, and facilitate a quicker recovery.
How: Create clear roles and responsibilities for employees, customers, stakeholders, suppliers, and emergency services. This should include primary and secondary contact methods (i.e., email, text alerts, dedicated phone lines). Designate key personnel responsible for communication and utilize a mass notification system.
TRAIN EMPLOYEES ON EMERGENCY PROCEDURES
Why: Conduct regular training sessions for all employees on your BCP, evacuation plans, communication protocols, and the use of emergency equipment. Employee safety is paramount. A clear evacuation plan ensures everyone knows what to do and where to go in an emergency, minimizing chaos and potential injury.
How: A well-trained workforce is your greatest asset during a disaster. Establish procedures accounting for all employees and visitors. Employees who know what to do can act quickly and efficiently, minimizing panic and ensuring safety.
FORTIFYING BUILDINGS NOW TO MINIMIZE DAMAGE RISK LATER
Why: Investing in risk reduction helps businesses and residents recover more quickly from disasters, with less damage. While there's an initial cost, it pays off over time. For every $1 spent on reducing physical risk, an estimated $6 is saved in future losses.
How: Many activities can lessen the impact of potential disasters
and reduce the risk of loss of life or property. A specific example for North Dakota would be to ensure a roof’s load path can hold large amounts of snow in case a significant amount of snow falls in a short amount of time.
A business disaster can be anything that brings your operations to a screeching halt for an unbearable amount of time. Your preparation isn't just a plan—it's your roadmap to recovery. Proactive planning can be the crucial difference between a temporary setback and permanent closure. The good news? You hold the power to control your business's fate.
Preparation isn't a luxury; it's a necessity for safeguarding your business, protecting your employees, and ensuring your continued success in the face of uncertainty. By doing this, you are able to act more quickly, which means your business’s downtown is less. Businesses that are prepared for emergencies are in a better position to recover and continue operations should disaster strike.
Let that be you-the one who planned and quickly recovered!
BY WENDY KLUG DEPUTY DISTRICT DIRECTOR, NORTH DAKOTA SBA
anufacturing has long been a foundational pillar of the American economy, symbolizing innovation, job creation, and progress. For small businesses, particularly in states like North Dakota, this sector is not just a driver of growth but a key to building robust and resilient local communities. The ripple effects of a healthy manufacturing industry extend far beyond the factory floor, influencing supply chains, creating skilled employment opportunities, and fostering an ecosystem of entrepreneurial growth. As the United States looks to strengthen its domestic production, small manufacturers in the Great Plains are playing a pivotal role in this resurgence, supported by both their unique regional strengths and strategic resources from organizations like the U.S. Small Business Administration (SBA).
The national landscape is witnessing a renewed focus on domestic production, driven by a greater appreciation for supply chain resilience and local economic stability. The COVID-19 pandemic highlighted the vulnerabilities of relying on extended, international supply chains, prompting many businesses to reconsider their sourcing strategies. This has led to a strategic shift toward "onshoring," where companies bring manufacturing operations back to the United States. For small businesses, this presents a significant opportunity. Manufacturing domestically often provides greater control over quality, quicker response times to market changes, and enhanced brand value with the "Made in USA" label. This trend not only strengthens individual businesses but also bolsters local economies by keeping capital and jobs within American communities.
Across the United States, manufacturing is a major driver of economic growth. In the third quarter of 2024, the sector contributed an impressive $2.93 trillion to the US economy, demonstrating its vast and powerful reach. The economic benefits ripple out, generating an estimated $2.69 in total economic activity for every dollar spent in manufacturing. This creates a powerful cycle of investment and job creation that strengthens communities nationwide. While some may associate manufacturing solely with large-scale factories, the reality is that the vast majority, an estimated 98% of American manufacturers, are small businesses. These are the local companies that provide crucial components, innovative technologies, and specialized services to the broader supply chain, making the story of manufacturing fundamentally a small business story.
In North Dakota, this national trend finds fertile ground. While much of the country experienced a manufacturing decline in the early 2000s, North Dakota has seen a notable expansion in its manufacturing sector. The state's economic development resources, combined with a strong work ethic and innovative spirit, have positioned it as a dynamic hub for advanced manufacturing. The sector accounts for a significant portion of North Dakota's Gross State Product, with strong export growth demonstrating its competitive edge. This growth is not uniform across all companies but is particularly impactful for small businesses, which make up the vast majority of manufacturers in the state. From producing specialized aerospace components to high-quality agricultural equipment, North Dakota's small manufacturers are a diverse group that contributes significantly to the state's economic vitality.
The success of these small manufacturers in North Dakota is also tied to their strategic integration with other key industries, including energy, technology, and agriculture. The presence of large manufacturing anchors provides opportunities for smaller, local businesses to become suppliers and partners, creating a robust, interconnected economic ecosystem. This interconnectedness creates a symbiotic relationship: as large manufacturers grow, so do the small businesses that support them, and as small businesses innovate, they drive new efficiencies and capabilities for the entire industry.
Small businesses must navigate global competition, and to ensure future expansion, the focus is shifting from simply adding labor to driving innovation and productivity gains. This is where strategic support and access to resources become critical. Recognizing the crucial role of small manufacturers, the Small Business Administration (SBA) has launched new initiatives to help American businesses compete effectively.
SBA ONSHORING PORTAL:
For small businesses wanting to capitalize on the onshoring trend, the U.S. Small Business Administration (SBA) offers valuable tools. One such resource is the "Make Onshoring Great Again" portal, a free tool designed to connect businesses with a vast network of verified U.S. manufacturers, producers, and suppliers. By utilizing platforms like IndustryNet, ThomasNet, and CONNEX through the portal, small businesses can find domestic partners to strengthen their supply chains, reduce reliance on overseas production, and source components from within the country. The portal is an accessible online resource found through the SBA's official website, sba.gov, and provides a streamlined
way for companies to navigate the landscape of domestic sourcing. It functions as a matchmaking service, helping small businesses find the right U.S. based partners to support their growth and onshoring efforts. By utilizing this tool, companies can mitigate risks from global disruptions, shorten lead times, and enhance quality control, all while supporting other American businesses.
SBA’S MADE IN AMERICAN MANUFACTURING INITIATIVE:
The SBA's commitment to strengthening domestic manufacturing is further demonstrated through its "Made in America Manufacturing Initiative." This comprehensive effort is designed to support small manufacturers by addressing key challenges related to access to capital, workforce development, and regulatory hurdles. A central part of the initiative is a commitment to cutting regulations that disproportionately burden small businesses. By partnering with federal agencies, trade schools, and private-sector stakeholders, the initiative also promotes a skilled manufacturing workforce to ensure a robust pipeline of talent. The SBA also offers dedicated resources and training for small manufacturers through its Office of Manufacturing and Trade and conducts outreach events like the "Made in America Roadshow" to connect directly with business owners.
RED TAPE HOTLINE:
The SBA Red Tape Hotline, run by the U.S. Small Business Administration's independent Office of Advocacy, is a platform for small business owners to report concerns about burdensome, costly, or confusing federal regulations. The SBA developed this hotline to identify regulatory challenges and gather feedback that helps them advocate for smarter, less
burdensome policies at the federal level, thus ensuring small businesses have a voice in the regulatory process. Small business owners can contact the hotline by emailing RedTape@sba.gov or by calling 800−827−5722 and pressing option 3.
SBA’S MARC LOAN PROGRAM:
To address the unique financial needs of manufacturers, the SBA recently introduced the Manufacturers' Access to Revolving Credit (MARC) loan program. Specifically designed for small manufacturers in NAICS sectors 31-33, the MARC program provides flexible working capital, with loans of up to $5 million. A key feature is its versatility: MARC loans can be structured as either a revolving line of credit or a term loan. The funds can be used for any shortterm working capital need, such as purchasing inventory or funding new projects, and the revolving line of credit can expand working capital by leveraging a manufacturer's existing assets. To qualify, a business must operate for profit, be located in the US, meet SBA size standards, and demonstrate creditworthiness. Interested businesses can find more information on the SBA's website, sba.gov, and connect with participating lenders through the SBA's Lender Match portal.
SBA PROGRAMS POWERING MANUFACTURES:
The SBA’s initiatives, from the onshoring portal to the MARC loan program, offer a powerful toolkit for small manufacturers in North Dakota and across the country. By helping businesses access domestic suppliers, navigate regulatory environments, and secure vital working capital, the SBA is offering timely and valuable asset for Fargo's small business community. Imagine a local aerospace supplier needing to purchase new machinery for a high-tech contract; a MARC
loan could provide the necessary working capital. A homegrown electronics manufacturer looking for a new domestic source for a specific component could use the Onshoring Portal to find a qualified supplier, thereby strengthening its local supply chain. The Made in America Manufacturing Initiative's workforce development focus could help a Fargo company upskill its employees to work with new automated equipment, ensuring they remain at the forefront of technological innovation. These initiatives are not just distant federal programs but practical tools that can be implemented right here in North Dakota to foster local growth. By embracing these resources, Fargo's small businesses can solidify their position in the state's vibrant manufacturing ecosystem and contribute to its continued success.
The future of manufacturing in North Dakota and across the US is bright, built on a foundation of innovation, skilled labor, and strategic investment. With the launch of the SBA's Onshoring Portal, the comprehensive Made in America Manufacturing Initiative, and the new MARC loan program, small manufacturers have more tools than ever to compete on a local and global scale. For Fargo Inc. readers and the business community in North Dakota, these initiatives represent a powerful opportunity to strengthen local supply chains, invest in growth, and expand economic opportunity. By harnessing these resources, the state can continue to build on its manufacturing success, creating well-paying jobs and supporting vibrant communities. The commitment to producing goods right here at home is a powerful statement—a blueprint for lasting prosperity that benefits both the Great Plains and the entire nation.
Honoring Service, Fueling Enterprise: AS
National Veterans Small Business Week and the Dakotas’ Veteran-Entrepreneur Landscape
By Michael Danielson, Veterans Business Outreach Specialist
Courtesy of VBOC of the Dakotas
About the VBOC
The Veterans Business Outreach Center (VBOC) program is designed to provide entrepreneurial development services such as business training, counseling, and resource partner referrals to transitioning service members, veterans, National Guard and Reserve members, and military spouses interested in starting or growing a small business. U.S. Small Business Administration (SBA) has 22 organizations participating in this cooperative agreement and serving as VBOCs.
the crisp air of autumn begins to settle across the Dakotas, another annual moment of recognition approaches, National Veterans Small Business Week (NVSBW). In 2025, the U.S. Small Business Administration (SBA) has slated NVSBW for November 3-7, marking the 12th consecutive year of this nationwide observance. The week is designed to spotlight the contributions of veteran-owned enterprises,
Photo
amplify awareness of the support ecosystem for veteran entrepreneurs, and galvanize communities to strengthen small business capacity among those who have served. In North and South Dakota, where the spirit of selfreliance and service runs deep, NVSBW carries special meaning. The region’s veterans bring leadership, resilience, and ingenuity from their military experiences to their entrepreneurial ventures. Yet, they often face challenges tied to geography, access to capital, and awareness of available resources. NVSBW seeks to bridge those gaps, offering a coordinated national and local push to highlight resources, training, and community partnerships that can empower veteran business owners to thrive in the Dakotas’ unique economic landscape.
Since its inception in 2013, NVSBW has become a key event for raising awareness about veteran entrepreneurship. Each year, the SBA and its partners host events and outreach efforts across the nation to connect veterans, active-duty service members, National Guard and Reserve members, and military spouses to programs that can help them start or grow a business. The 2025 theme, “Honoring Veteran-Owned, American Made,” focuses on celebrating the craftsmanship, innovation, and community impact of veteran entrepreneurs across the United States. This theme resonates strongly in North and South Dakota, where small businesses, many of them veteran-led, serve as the backbone of local economies. During NVSBW, SBA offices, local chambers, Small Business Development Centers (SBDCs), and Veterans Business Outreach Centers (VBOCs) host a variety of events that cover topics such as financing, marketing, government contracting, and business planning. It’s a time when the spotlight shines brightly on those who have worn the uniform and now wear the mantle of
business ownership, turning their discipline and drive into economic impact.
The Dakotas have a higher percentage of veterans compared to the national average, a reflection of their strong tradition of military service. Many veterans return home to rural towns and small cities after their service, seeking the stability of community and the satisfaction of building something of their own. However, in these areas, the distance between communities and the relative scarcity of financial institutions or business incubators can make entrepreneurship challenging. Accessing capital, finding mentors, and navigating complex licensing or contracting systems often require connections to state or federal programs. Veteran entrepreneurs in the Dakotas are often drawn to industries that reflect the region’s strengths such as agriculture, energy, logistics, and technology, while also creating businesses that fill essential gaps in their communities. From smallscale repair shops and construction firms to hightech startups and service companies, veterans are leveraging the same persistence and problem-solving abilities they acquired in uniform to drive innovation across both states.
One of the key steps for any veteran looking to grow their business is certification. In North Dakota, the SBA offers a Veteran-Owned Business Certification Program designed to recognize businesses that are majority-owned and controlled by veterans. The process is intentionally simple, requiring proof that at least 51 percent of the business is veteran-
owned and that it is registered within the state. Certification helps entrepreneurs stand out when applying for contracts, especially with government agencies and large corporations that have procurement goals for veteran-owned suppliers. Being recognized as a veteranowned business is not just a point of pride; it can open doors to specialized programs, funding opportunities, and visibility within both public and private contracting networks.
A cornerstone of veteran business support in the region is the Veterans Business Outreach Center of the Dakotas (VBOC), based at the University of North Dakota in Grand Forks. The VBOC provides free, personalized advising for veterans, active-duty service members, Guard and Reserve members, and military spouses in both states. Its services range from helping entrepreneurs develop business plans and budgets to navigating licenses, understanding financial projections, and connecting with funding opportunities. The VBOC also conducts training programs, outreach events, and “Boots to Business” workshops that help service members transition into entrepreneurship. Because North and South Dakota have many rural areas where access to business counseling can be limited, the VBOC’s role as a no-cost resource hub is invaluable. Its team of advisors travels across the Dakotas, partners with local SBDC offices, and leverages virtual technology to ensure that veterans everywhere can access guidance and support.
North Dakota further strengthens its veteran business environment through partnerships between the Department of Veterans Affairs,
SBA, and local development agencies. APEX Accelerators helps veterans pursue government contracts, while Boots to Business delivers hands-on training. The North Dakota Small Business Development Centers (SBDC) provide local counseling offices throughout the state, offering one-on-one business guidance and workshops. For veterans seeking to do business with federal agencies, the VA Office of Small and Disadvantaged Business Utilization and the VA Forecast of Contracting Opportunities offer tools to identify and pursue procurement prospects. Together, these programs create a strong infrastructure for veterans looking to build, certify, and scale their businesses.
South Dakota offers similar federal and regional resources through the VBOC and SBA programs. Veterans in the state can access training, advising, and certification support through the same VBOC network, which operates across state lines. South Dakota’s economic development agencies, local chambers of commerce, and veterans’ service organizations also play a critical role in connecting entrepreneurs to funding, mentorship, and partnership opportunities. In both states, collaboration is key. The partnerships among universities, economic development corporations, and veterans’ networks ensure that even entrepreneurs in remote areas have a lifeline to the broader business ecosystem.
One of the most powerful tools available to veterans nationwide is the federal contracting preference program, which designates a portion of federal contracts specifically for
veteran-owned small businesses and service-disabled-veteranowned small businesses. These setasides help level the playing field for smaller companies competing for federal work. Additionally, programs like VetCert simplify the certification process and help veterans gain access to these opportunities. Veterans can also apply for SBA loans, including the Veterans Advantage program, which provides reduced fees and more flexible terms. Access to capital, however, remains one of the toughest barriers for rural veteran entrepreneurs. Many community banks in the Dakotas have limited risk capacity, and traditional lending may not fit early-stage business needs. As a result, education about SBA loan programs and partnerships with mission-driven lenders can be lifechanging for these business owners.
Behind the numbers and programs are real people, veterans who have traded one form of service for another. Across both Dakotas, there are veterans running repair shops, cybersecurity firms, logistics companies, and farms. Their stories often share common themes: a deep sense of mission, the ability to adapt under pressure, and a drive to contribute to their communities. Yet, their challenges are equally familiar: long distances to training centers, difficulty securing financing, and the complex world of government contracting. Many of these veterans have turned to programs like the VBOC, SBA lending, and state-level support to navigate the unknowns of entrepreneurship. The successes of these businesses ripple outward, creating local jobs, revitalizing small towns, and inspiring other veterans to consider entrepreneurship as a viable career path.
The barriers veteran entrepreneurs face in the Dakotas are distinct but not insurmountable. Sparse populations can limit access to mentorship and peer networks, while limited broadband access in rural areas can hinder participation in virtual programs. Financial institutions may be cautious with loans to new entrepreneurs who lack collateral or a long credit history. Many veterans are unaware of certification benefits or SBA opportunities until they attend outreach events or connect with a resource partner. Programs like NVSBW are designed to tackle exactly these issues, by raising awareness, providing direct connections, and showcasing the success stories that can inspire others. When veteran entrepreneurs are given visibility, tools, and guidance, their businesses become anchors of resilience in their communities.
Beyond events, NVSBW can be a platform for matchmaking between veteran-owned businesses and potential buyers or partners. Procurement fairs and speed-networking events can help veterans meet government officials and private contractors looking for suppliers. Financial institutions can host “capital access fairs” to showcase loan programs and educate entrepreneurs about credit readiness. Certification drives, where veterans can complete their veteran-owned business applications on the spot, can help streamline the process and overcome paperwork fatigue. Mentorship programs that pair experienced business owners with newer veteran
entrepreneurs can also emerge from the connections made during NVSBW.
Ultimately, National Veterans Small Business Week is more than an annual commemoration, it’s a call to action. For the Dakotas, where community ties and service values are strong, it’s an opportunity to celebrate the transition from military service to business ownership and to strengthen the ecosystem that supports it. When veterans succeed in business, they don’t just build companies, they create jobs, mentor others, and foster pride across small towns and cities. Their success stories exemplify the American ideal of resilience and reinvention. As NVSBW 2025 approaches, North and South Dakota have a chance to showcase how their veterans continue to serve, not on the battlefield, but on the economic frontlines, fueling innovation, rebuilding communities, and ensuring that veteran-owned means community-strong.
VBOC of the Dakotas
701-738-4850
und.edu/dakotasvboc /dakotasvboc
@DakotasVBOC
4200 James Ray Dr Grand Forks, ND
10 Questions
Questions 10
ohn Machacek, Chief Innovation Officer for the Greater Fargo Moorhead Economic Development Corporation, has worked with countless startups throughout our community over the years. He knows their ups, and their downs, but most of all, he knows the questions to ask them. Here are John Machacek’s 10 questions for Kayla Deitch, Founder & CEO, Execla.
By John Machacek
Photo provided by Kayla Deitch
01
Will you please tell me your Execla elevator pitch?
For executives who are dissatisfied with the job applicant market: At Execla, we streamline the chaos in both their professional and personal lives.
Our approach centers on repeatable systems management. Our Executive Assistants (EA) focus on email, scheduling, and other recurring tasks that can be efficiently managed on behalf of the executive or business owner.
Once those foundational tasks are delegated and performed well, the EA can then take on micro-projects or other priorities as needed by the executive.
Our ideal client is someone who has previously hired an assistant but struggled to utilize their full potential, or someone who has considered hiring help but doesn’t know where to begin with recruiting, retaining or training them.
02
Can you elaborate more on helping with things like repeatable systems?
When we talk about helping executives with repeatable systems, it’s about building the core operations that keep their individual day running smoothly and minimizing activities
that drain their energy. We define what the executive handles personally and what the EA manages, allowing them both to work proactively rather than reactively. Once those foundational routines are in place, everything becomes more efficient and scalable.
For example, with email, we’ve created a system that clearly defines what the executive handles personally versus what the EA manages. This includes sorting messages, using response templates written in the executive’s voice, and maintaining an inbox structure that keeps communication organized and actionable.
With scheduling, the EA establishes parameters and permissions so the calendar can be managed proactively without constant approval. This allows meetings and commitments to align with the executive’s priorities and energy, not just availability.
For recurring business tasks, such as reporting, follow-ups, and outreach, the EA builds systems that ensure consistency and documentation. Each process becomes repeatable, efficient, and easy to delegate or scale as needed.
Once those foundational systems are in place and running smoothly, the team can take on larger projects because day-to-day operations are streamlined. The result is structure, consistency, and more time for the executive to focus on high-value work, such as driving growth and/or increasing revenue.
03
You just mentioned the word “proactively” and it made
me recall a conversation with you not long ago where you talked about wanting to train the Executive Assistants to function more proactively instead of reactively. Will you please remind me of what you mean by that and how you’d help them get in that mindset?
When we talk about training executive assistants to be more proactive instead of reactive, it’s about helping them move from simply waiting for instructions to confidently anticipating what’s needed next.
Many employees fall into a reactive rhythm because that’s how they’ve been managed; they’re told what to do, corrected when something goes wrong, and rarely encouraged to take initiative. Our approach flips that dynamic by building clarity, trust, and ownership. The most effective leaders understand that it’s far more productive to focus on what people can do rather than what they cannot, and to create a consistent, active feedback loop. Our EAs are trained to expect constructive feedback as a normal and ongoing part of growth.
First, the EA and executive establish clear agreements about what the EA can fully own and how they should manage those tasks. Next, we train EAs to study patterns; how the executive thinks, how they prioritize, and what their preferences are. Over time, that understanding allows the EA to anticipate needs before they’re even requested. For example, if I know an executive will need a certain amount of time to prepare for a highpriority activity, such as speaking at
10 Questions
an event, I will proactively suggest rescheduling meetings that might interfere with that preparation in our weekly planning session, so we are not having to do last minute rescheduling. Thus, I am helping to set them up for success.
04
Your system of the part-time contracted work could be looked at similar as what is commonly labeled as “fractional” work. Though I often hear fractional more so with functions like HR or finance or marketing, for example. Do you see Execla as similar or different than a fractional role?
Fractional roles provide part-time executive-level assistance. What we do is somewhat similar, but also very different. While executive assistants are considered part of executive leadership, they are primarily executive-facing and are exceptionally skilled at getting their hands dirty and doing the actual work.
Fractional executive roles are valuable when an organization needs higher-level strategic guidance or oversight that comes from experience. The executive assistant, on the other hand, while they do also have valuable experience, they expect to be the one actively doing the research, managing workflows, implementing systems, and working
directly with the executive to create and maintain solutions.
From my experience, if a company is short-staffed, having a long-standing executive assistant is often more beneficial than relying solely on a fractional leader. That’s not to say there isn’t value in having both. I work with teams that utilize both, and they do complement one another very well, but they serve two very different purposes.
Through our operational staff and a growing network of EAs, at Execla we ensure that each executive assistant has consistent support and mentorship. I serve as a direct resource for both the EA and the executive, while our Director of Operations brings expertise in social media and marketing. Together, we are building a network of professionals and experience that supports every layer of our clients’ success.
05
What is your “why” on starting this company?
My “why” was that I’d always wanted to try being a full-time entrepreneur. I wanted to focus full-time on building something of my own. My mom and dad have owned their own businesses for the last 20 years, and so I grew up in that universe. I am drawn to it, and I definitely belong there.
I’d spent years supporting executives and teams, and I knew how much more effective leaders could be when their systems worked for them
instead of against them. When I first started, I jumped into doing what I already knew best, administrative and operational support, and spent about two years working fractionally for different executives, studying what worked and what didn’t.
Then I read "Buy Back Your Time" by Dan Martell, and it completely shifted my perspective. I realized the real value wasn’t just in completing projects, it was in helping executives reclaim their time by systemizing the daily operations that drain them. One of my clients was interested in trying out the methods in the book as a means to test it out, and we both agreed that their productivity immediately increased.
The discovery of how crucial it is for an EA to first manage repeatable systems completely flipped Execla’s model in the best way. People often make excuses for doing their own email or scheduling, saying things like, “It’ll take me just as long to ask for help as it will to do it myself.” It could not be further from the truth. When those systems are delegated properly, it unlocks efficiency, creativity, and more time for the work that matters for increasing revenue.
I’ve made constant pivots to refine the business. One of the first came after my first contract with a local restauranter didn’t pan out. That experience was 100% worth it;
it taught me to pay attention to what isn’t working and to never get married to a single idea. Early on, I was nervous about feedback, but I’ve since learned to welcome it. Many of Execla’s best refinements have come directly from client feedback. Not everyone is an ideal client, and that’s okay; the goal is to work with leaders who value systems, trust, and those with an abundance mindset. It is crucial for an entrepreneur or consultant to develop a niche clientele if they want to be profitable. It helps them to identify with the customer in their marketing if they have an ideal client profile that they are targeting in messaging.
06
Since part of the Execla model is part-time roles, have you done part-time jobs and side gigs to not only pay the bills, but also to use those experiences towards your business planning?
About the NDWBC:
When I first started my business, I landed what I thought was a great consulting gig, and I took a leap of faith choosing that over staying in my full-time job. As I mentioned previously, that didn’t pan out the way I’d hoped, and after that, I went about three or four months without a single client. Instead of quitting, I kept networking: showing up to events, connecting with people, and talking about what I could do. It was a scary time, but I worked hard and just kept putting one foot in front of the other, day after day.
Eventually, one of those connections reached out and asked if I could help with a grant report, which included organizing data tables and presenting the findings for the final submission. That turned into my first real project, and the woman I worked with ended up becoming one of my mentors, Solli Frank with Kajaer Consulting in Bismarck. Between projects, I did whatever work came my way. I even painted an entire 18-plex apartment building by myself one month just to pay my mortgage. I didn’t mind those side gigs because they gave me flexibility. I could still research, learn,
The North Dakota Women’s Business Center (NDWBC) is a statewide resource and advocacy organization dedicated to empowering women entrepreneurs through education, mentorship, and connection. As the state’s leading partner and voice for women business owners, NDWBC helps women start, grow, and strengthen their businesses by offering guidance, networking, and professional development opportunities. Funded in part by the U.S. Small Business Administration and the North Dakota Department of Commerce, the center provides a supportive environment where women can share their goals, challenges, and achievements while learning from one another’s experiences
and build the foundation for what would eventually become Execla, without being tied to a W-2 job.
A big part of my early success came from the North Dakota Women’s Business Center. I attended their summit in Medora, and that single event opened the door to so many connections. The NDWBC community gave me trusted relationships, and all my first clients came directly from people I met there, and connections made by their leadership.
That same mindset of building relationships and networks eventually carried into the next phase of my business; expanding internationally and connecting with talented executive assistants in Pakistan.
Kayla with her employee, Khadijah, in Pakistan.
10 Questions
07
I’m glad you brought that up, as I planned on asking about that. I was going to ask about how you show up to meet others, network and build relationships, and how you got connected with the woman from Pakistan, who is now your Director of Operations. For the reader, I know this because you connected her with me, while she was at NDSU for the Spring 2025 semester. She was a very impressive individual and I think it’s not only great that she is helping you work on Execla, but you are helping her by providing this opportunity. What more can you tell me about this?
That connection is one of my favorite parts of this journey, because it perfectly represents how life somehow brings us what we need when we need it and in ways we never expect it. I first met Khadijah while she was at NDSU through a fellowship program. She wrote a very impressive 250-word essay that won and paid for her study abroad program. We immediately hit it off; she was sharp, curious, and incredibly talented, especially in marketing and social media. At the time, Khadijah was helping me improve my presence on LinkedIn, and what started as a small collaboration
quickly grew into something much bigger. She has a give-first mentality, and I see a lot of me in her.
After she returned home to Pakistan, we stayed in touch, and I found myself missing the way we worked together. So, I reached out to see if she’d be interested in helping Execla, and that conversation led her to step into the role of Director of Operations. Now she helps manage projects, build systems, and supports our growing network of executive assistants internationally.
What’s most meaningful to me is that this partnership goes both ways. She’s helping me grow Execla, and I’m helping her build experience, leadership skills, and professional opportunities that can be difficult to find where she lives. We talk regularly not just about work, but about personal development, purpose, and the kind of leadership we both want to model. It’s been such a rewarding relationship, and it’s a perfect example of how connection and shared vision can transcend geography. She’s truly become an integral part of the Execla story.
Bringing our first EA trainee, Ruqaiya, into Execla has been one of the most meaningful parts of this journey. She’s talented, ambitious, and eager to learn, and now she’s learning to work in a way that’s sustainable, supportive, and growth focused. Khadijah, has been instrumental in that process. She’s mentoring Ruqaiya directly, helping her develop both the skills and the mindset needed to operate proactively and lead from behind. While we have been training, Ruqaiya has been instrumental in helping us build our processes for onboarding and working with executives. She brings optimism
and patience to everything we do as a team.
What we’re doing through this training model goes beyond traditional executive assistance as we know it. We’re giving highly skilled professionals in developing countries the opportunity to work remotely doing challenging, meaningful work without sacrificing their health or well-being. Anyone who is driven by a sense of purpose can benefit from hiring Execla to provide them with an EA, as they are then in turn providing an opportunity for someone who is highly skilled, gritty, but seeking a healthy working environment and remote flexibility.
Seeing both women grow, gain confidence, and contribute in such meaningful ways makes me feel like I’m doing something that genuinely matters, and not just for Execla, but for the world. On hard days, that sense of purpose keeps me going.
08
That’s great to hear. As I start to wrap this up, if you could pose a question, or share some basic info to the Executive Assistants out there, what might that be?
I’d love to hear from local professionals, especially moms and parents, about what matters most to them in their work. Would you value the flexibility of part-time, fractional roles that let you prioritize family and design your own schedule, even if it means earning less than a full-time income?
At Execla, we’re exploring ways to create meaningful, professional work that can be done during school hours or at times that fit your life. We want those who are ambitious and drawn to challenging work, who are self-motivated, and need personal balance and autonomy. I want to understand whether that kind of flexibility is something our local professionals truly want, because if it is, we’re ready to build it.
If you want to reach out and provide feedback, you can! Just scan the QR code Those that are interested in our services can submit their contact information there as well.
09
If you could jump in a time machine and visit Kayla from the past, what kind of hindsight advice would you give yourself?
I would tell myself what my husband told me a couple days ago... “Just do not give up. Everything you are doing is so impressive, and I want to see where you go in the next couple years.”
I would also add this mantra, as it is something I tell myself often and that I want other aspiring entrepreneurs to hear... “On the hard days, just keep putting one foot in front of the other. Show up and
do the best you can. Show people you are well intentioned and keep wearing your heart on your sleeve. You can only be you, and you are enough.”
10
What can we do as a community to help you and Execla succeed?
If you know of someone that needs our services, tell them about us! We just finished our new website and are launching it this month. Ruqaiya is ready to be paired and eager to meet her executive!
About John
Execla
execla.io
By Mark Puppe, Communications Specialist,
REVITALIZING FINANCIAL LITERACY.
Opportunities to counteract the loss.
inancial literacy is an essential and invaluable attribute, so its deficiency is frightening.
Cultural barriers, vulnerability, personal debt, neglected opportunities, and apparent indifference to a national debt that exceeds 38 trillion dollars, are among the many symptoms revealed by deficient financial literacy and need urgent attention.
“What was once a relatively simple industry, with partnerships between individuals and their local banks, has transformed,” testified North Dakota Rep. Brandy Pyle (R-22) during the 2025 North Dakota legislative session. “Social influences have shaped our spending habits, and the financial landscape has become far more complex.”
Those complexities create daunting uncertainties and complications that too many of us might not consider until facing them.
Bank of North Dakota has launched Smart with My Money, smartwithmymoney.nd.gov, to help everyone become financially literate. The program aims to make North Dakota the most financially literate state by 2027.
According to BND, financial literacy is the ability for people to understand and manage their finances to improve their financial well-being. The criteria for determining the knowledge required to be
Hillary Ehlen
financially literate varies depending on the stage of life, so new information must be acquired throughout the lifecycle to make effective financial decisions.
when standing face-to-face with real world, make-or-break financial decisions?
“Smart With My Money is a trustworthy resource to help North Dakotans establish a baseline level of knowledge to improve their personal financial wellbeing,” explained BND President and CEO Don Morgan.
Indeed, Smart with My Money and other online and digital tools provide valuable information and engagement opportunities. North Dakota government has even codified some financial literacy as a graduation requirement. However, how do we utilize all this information
“Access doesn’t equal understanding,” said Western State Bank Market President Matthew Oachs. “We’ve seen higher credit card balances, increased consumer debt and more people living month-tomonth. So, while awareness has grown, comprehension and confidence haven’t caught up.”
Further, we tend to perceive financial literacy as only buying and selling stock and saving for retirement. However, investing does not always affirm financial capability.
BND President and CEO Don Morgan
Western State Bank Market President Matthew Oachs
“This is why financial literacy is so crucial,” Pyle reiterated. “It is a foundational life skill—an integral part of the ‘portrait of a graduate.’ We want our students to graduate not only academically proficient but financially capable, prepared to navigate the many choices and challenges they will face as adults.”
Decisions about credit, real estate, health insurance and other topics may seem distinct and even ritualistic, but that’s simply not the case. They are functionally intertwined with financial literacy to the point that our decision regarding one can significantly influence all the others and have enduring, far-reaching impacts— favorable and unfavorable.
Some local professionals have shared ideas for us to integrate financial literacy when making the decisions in their respective fields. They are enabling us to more clearly see the overall risks and opportunities at stake.
Credit, Debt, and Planning Ahead
“We need practical financial education in schools with a focus on real-world topics like credit, interest, loans and budgeting,” said Oachs.
“Employers can also play a bigger role by offering accessible financial training on retirement planning, benefits and debt management,” he said. “This would likely yield more financially healthy employees which typically results in longer tenures as well.”
I asked Oachs to share some of the most common and preventable financial mistakes he encounters.
“Clients tell me ‘I paid for my education in cash. I’ve never had credit card debt. I’m putting half down
on the house. Why does my score matter?’”
Then, Oachs explained, in the simplest terms, a financial fundamental that the client probably did not know exists.
“The credit system measures your track record, not your intentions. Lenders aren’t just looking at how much you have; they’re looking at how you’ve historically interacted with debt. No history means there’s nothing for the system to evaluate, and the absence of data is considered a risk.”
Speaking of history, how many checks do you write these days and when was your most recent?
Prior to August 2025, North Dakota law NDCC 15-21-21 required high school curriculums, at some point, include concepts such as “Checkbook mechanics, including writing checks, balancing, and statement reconciliating” and other financial tools that were, once upon a time, essential.
Of course, we still spend money, but nowadays we click “Submit,” scan or tap a card and even select a predetermined tip. These tools come in handy but seem to have numbed some people to their balance.
“One of the most common financial mistakes people make is not preparing for the unexpected,” said Gate City Bank Retail Manager Brandie Haugen.
“Understanding your money can empower you to reach your goals. Whether you want to get out of debt, buy a home or retire early, knowing when and how to save your money can help you make those dreams come true,” Haugen said. “Financial literacy is essential.”
Parents can open accounts for children under 18, and Haugen recommends opening a bank account as soon as we start receiving money, whether it’s from a job, gift or allowance.
Such an account is a child’s opportunity to experience, not to just know about financial fundamentals. They manage their own money, own the results of how they use it and are better positioned to evaluate the risks and opportunities they will encounter as adults.
“With so much financial information out there, it can be tough to know who to trust,” Haugen said. “That’s why we created an outstanding financial literacy program available online at GateCity.Bank/Education. There you can explore topics like budgeting, saving and even how long it might take to become a millionaire.”
Gate City Bank Retail Manager Brandie Haugen
provided by Mark Puppe
Real Estate
Buying a house is a colossal decision, FM Area Association of Realtors President Katie Johansen says making responsible decisions requires a practical understanding of the risks and opportunities that arise when making real estate decisions, and some are literally case sensitive.
“Many people use the term ‘realtor’ as a job title, but ‘real estate agent’ is the term reserved for those who hold a real estate salesperson license,” Johansen said. “REALTORS® separate themselves even further as members of the National Association of REALTORS®. NAR members are held to higher standards and required to follow a code of ethics. So, every REALTOR® is a real estate agent, but not every real estate agent is a REALTOR®.
‘If you are using a mortgage loan, it’s important to get a payment estimate from your lender prior to writing an offer. Work with a loan officer who is available when you need them, even if it’s outside of business hours. Real estate transactions commonly happen on evenings and weekends.”
However, moving too fast can impose costly and unexpected challenges beyond the purchase price, mortgage
payments and interest.
“It’s easy to get caught up in the pretty parts of a home—the flooring, kitchen cabinets and finishes. The less exciting stuff—things like the furnace, AC, water heater, electrical/ plumbing systems—can make a very big difference in your home ownership experience,” Johansen said. “Having those items fail is not only highly inconvenient, it can be very expensive.”
Additionally, Haugen says reading up on topics provides footing for discussing the financial concepts at play.
“It’s important for there to be a dialogue rather than only a teaching. Banks will typically ask you for proof of income, employment verification, a down payment and details about the home you’re purchasing,” Haugen said. “There are also special programs available depending on your situation, such as if you're a military veteran or a first-time homebuyer.”
“Life circumstances will sometimes make renting a better choice at that moment in time. On the flip side, even just a couple of years in a home can result in some great equity,” Johansen said.
Health Insurance
Sanford Health Plan serves nearly 425,000 customers across the Midwest, so Chief Growth Officer Courtney Meyers is a credible authority for discussing why health insurance and financial literacy are interconnected.
When asked to identify the most common mistake people make about their health insurance but financial literacy can prevent, Meyers answered that “(m)any people may underutilize their benefits because they don’t understand all the resources available to them with their coverage.”
That’s spooky. Fundamentally, it means people are losing some immense health insurance value only because they don’t realize what their policy provides. This gap exemplifies the difference between simply having a policy and being engaged enough to understand, utilize and maximize the opportunities within it.
“Read plan documents and then ask questions,” Meyers said. “Ask what is included in your preventive benefits. Most plans have a detailed brochure that you can take to your annual visit to show your provider to help ensure nothing is ordered that will result in a surprise bill.”
“Second, confirm your network and verify coverage before going in for an elected or pre-scheduled service,” she said. “This helps eliminate any potential surprises when get your bill.”
I’ll attest to Meyer’s advice to confirm network participation. The documentation I extracted from an insurer’s and a service provider’s own websites was the evidence I needed to prevent two costly appeals.
“If something does not look right to you, call and ask questions,” Meyers said. “Sanford Health Plan’s customer service teams know how complicated it can be to navigate all
FM Area Association of Realtors President Katie Johansen
Chief Growth Officer Courtney Meyer
the information—and want to be your advocate.”
Property and Casualty Insurance
Tri-County Insurance President Doug Johnson has been selling property and casualty insurance for upwards of 30 years and retained a multitude of clients for as just as long. Being financially literate about the policy options he offers is especially important because laws and contracts often demand that we have one.
“Making decisions about risk according to the cost of a policy versus the policy itself is among the most common and impactful mistakes policyholders make,” Johnson said. “For example, they often neglect how a policy mitigates risk and the coverage a policy provides. A good working relationship with an agent is important. Insurance is a people business and communication is key in determining what is proper and needed for each individual and their own situation."
I understand, but how about all the claims that having an insurance agent increases cost, dilutes value and creates inconvenience.
“Insurance is widely available direct to the consumer and a consumer could certainly learn the ins and outs of a product and buy it directly,” Johnson said. “Whereas licensed agents are in the insurance world every day with years of experience to assist customers with insurance options. Insurance policies are legal contracts written by attorneys to be defended by attorneys.”
Taxes
If ever there was a bland but unavoidably vital financial topic, it’s taxes.
Bryce Anderson is a certified public account and leads Bryce Anderson & Associates and for 30 years and has been saving clients from simple though costly oversights that better financial literacy can prevent.
“The most common errors I see are people not taking the education credits for children attending higher education and people not properly reporting self-employment earnings and expenses,” Anderson said. “Having a basic understanding of the tax laws, rather than filing based on what you remember, will help prevent an error on your return that could cost you.”
I personally use an online service but confess uncertainty about whether it was worth the fee, all savings opportunities have been utilized or I missed something that could create issues with the IRS.
“If you are worried about which online to use you can go to irs.gov and there you can find IRS approved preparation companies,” Anderson said. “However, if the return is more complicated their fees are
considerably higher, even more expensive than a paid preparer such as myself.”
It’s Time to Start and Stay Ahead
The list of challenges goes on and on, so oh, to have met these professionals sooner! They are experts in their respective industries, but trustworthy perspectives on the interconnectedness.
Knowing what needs to be known and having heard their suggestions for activating that knowledge would have saved me more money than I care to count. Knowing the total would break my heart.
However, studies and trends show that I am not alone, and neither are the factors. Financial literacy is declining in other parts of the United States, so we can be grateful to BND, North Dakota government and others for steps they have toward helping advance the mission to make financial literacy thrive.
Programs such BND Smart with My Money (smartwithmymoney. nd.gov) and Gate City’s educational resources website (gatecity.bank/ education) are excellent starting points and many more are available, but there is no panacea.
Instead, understanding and activating what we learn will help empower us to attain sound financial literacy; a process that we must always improve but have allowed to rust for too long.
Tri-County Insurance President Doug Johnson
SMART WITH MY MONEY
Bank of North Dakota’s Endeavor to Strengthen Financial Literacy and Opportunity.
Just half of Americans pay off their monthly credit card balances, many do not or cannot afford to save or invest for the future, Social Security is poised to collapse in seven years and our national debt just surged passed 38 trillion dollars.
Bank of North Dakota has recently activated a program to help participants improve their financial literacy and identify and capitalize upon financial opportunities. It’s available to everyone and in everyone’s best interest to embrace it.
The program is Smart with My Money, and Bank of North Dakota Leader of Education Outreach and Financial Literacy Lance Hill is at the helm. Lance has provided some insightful comments about financial literacy, the Smart with My Money program and its inspiration and resources.
Q&A with Lance Hill
Q: Hi Lance, before we get into the details of Smart with My Money, what does Bank of North Dakota consider "financial literacy"?
A: Financial literacy is the ability for people to understand and manage their finances to improve their financial well-being. The knowledge required varies depending on the stage of life, so new information must be acquired throughout the lifecycle to make effective financial decisions.
Q: So, what makes financial literacy relevant and important enough for people to attain it?
A: It provides the foundation for financial wellness. Financial wellbeing is directly linked to a person’s quality of life. Understanding finances is an important component of financial wellbeing.
Some may mistakenly believe that it takes a high salary to achieve financial wellness. Regardless of your income level, good financial decisions can be made to improve your financial wellbeing when you make time to educate yourself.
From the bigger picture, in North Dakota, when our residents are in a strong financial position, businesses succeed and personal stress decreases.
We want our state to be a place where our residents thrive and their quality of life improves.
Q: What is the current the status of financial literacy in North Dakota and nationwide? What about that level warrants public interest or urgent response?
A: According to the Nation’s Report Card on Financial Literacy, North Dakota now has a “B” grade due to the recent K-12 financial literacy standards and high school graduation requirements that were recently approved by the North Dakota Department of Public Instruction. In 2024 when we announced the initiative, we were rated as a “C.” The report card be reviewed on the Nation’s Report Card on Financial Literacy website. (thenationsreportcard.org/northdakota)
The Financial Industry Regulatory Authority Foundation's 2024 National Financial Capability Study shows a decline in Americans' ability to make ends meet and save for emergencies, despite stable incomes. The study, the sixth wave of data collected every three years since 2009, covers financial behaviors, attitudes and knowledge across all 50 states. The full report was published in July 2025.
The 2024 report revealed some concerning trends such as worsening financial stability. A substantial decline was observed in the percentage of adults who reported no difficulty covering their monthly expenses.
Satisfaction with personal financial conditions dropped significantly, from 33% in 2021 to just 24% in 2024 while financial fragility increased, with 35% of respondents unable to come up with $2,000 for an emergency, up from 30% in 2021. Additionally, the percentage of respondents correctly answering at least four of five financial literacy quiz questions remained steady since 2021.
Q: Those numbers are alarming. What is North Dakota doing to respond?
A: A statewide effort supported by the State of North Dakota is the Smart with My Money website at smartwithmymoney.nd.gov.
In other states, a business must pay for its employees to access the site. We are taking a unique approach by purchasing it so all individuals in various stages of life and businesses can use it as a financial resource.
We are working at multiple levels— with state agency partners, business
owners, colleges and high schools—as well as general campaigns to reach North Dakota residents.
In addition to this effort, multiple state agencies, many local banks and credit unions offer financial literacy education in their communities.
Q: The statistics themselves are motivating, and many financial partners are involved, but what inspired BND to undertake Smart with My Money as its own program?
A: Bank of North Dakota’s mission is to promote agriculture, commerce and industry, serving as a growth catalyst for the state. When North Dakotans are managing their money well, there is a positive economic impact, and we can fulfill our mission at an even higher level than we do today.
We were pleased that the Legislature passed the ½ unit requirement for high school students during the last session. It’s a good start to helping young adults appreciate the importance of making good financial decisions.
Ideally, we want North Dakotans of all ages and all income levels to recognize the need for them to continue their financial education journey. This is why we are promoting Smart with My Money to so many demographics across the state.
Q: Sounds like a solid approach, what separates Smart with My Money from other financial literacy and planning programs?
A: Smart with My Money is based on the Enrich platform, an educational resource supported at the national level by state treasurers.
Many financial literacy sites provide information on budgeting, credit
cards and how to get a loan for example. However, this platform delves more deeply into the behavioral reasons we spend money, helping people understand why they approach money the way they do and how to build on those personality traits in a positive way. There is a variety of learning styles including short articles, videos and courses, all using everyday language so people of different knowledge levels and different life stages can use it to help them navigate financial challenges.
Q: When it comes to making financial decisions, what criteria or concepts does BND suggest people apply when evaluating personal goals, current financial needs and long-term investment such as planning for retirement?
A: Priorities and decisions are impacted by many factors, most important of which is your current stage of life. Some people mistakenly believe that you need a high income to achieve financial wellbeing and that is not true. Smart with My Money helps people understand finances on a wide range of topics so they can use the information to improve their personal financial situation. I encourage everyone to check it out.
Bank of North Dakota Leader of Education Outreach and Financial Literacy Lance Hill
