December 2019 FuseNews

FuseNews

FuseDSM, Your Chamber of Commerce

COVER STORY TITLE:

Transportation You Can Trust PAGE 18

EXPERT ARTICLE:

Year End Banking Checklist For Businesses PAGE 9

EXPERT ARTICLE :

Preparing for the Holidays when your Loved One has Dementia PAGE 17

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INSIDE // DECEMBER 2019 In the Community // Community Real Estate

Page 7

2020 Census

Page 14

Firestarter of the quarter - Emily Cory

Page 24

DSM Eats & Treats

Page 20-21

Did You Know?

Page 16

Community Events

Page 22-23

On the Cover // Transportation You Can Trust

Page 18

Year End Checklist For Businesses

Page 9

MONTHLY CHAMBER LUNCHEON

THURS, JANUARY 9, 2020

Preparing For The Holidays When Your Loved One Has Dementia

Page 17

@ HOLIDAY INN TOPIC:

Prairie Meadows' Charitable Impact in the Community SPONSORED BY Presenting: Pelds Design Services

JULIE STEWART Community Relations Director @ Prairie Meadows

In the Chamber //

Ask an Expert //

Upcoming Chamber Events

Page 4-5

Letter from the 2020 Board Chair

Page 6

Welcome New Members

Page 10

Monthly Member Spotlight

Page 11

Chamber Highlights from Last Month Pages 12

Making Employer Health Insurance More

Chamber Member Events

Page 26-27

Affordable...........................................................................Page 12

Update from the Empresari@s

Page 28

Looking for qualified candidates? Let us help!.....Page 18

GDMP Update

Page 30

Keep Your Brain Young & Sharp..................................Page 27

Meet the Board

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UPCOMING // CHAMBER EVENTS WHY ATTEND

FuseDSM supports our business community by curating interesting and intentional networking opportunities

throughout the year with keynote luncheons held monthly. Get involved in the community, grow your business, and make friends.

MONTHLY LUNCHEON ABOUT THE EVENT

Julie Stewart, Community Relations Director at Prairie Meadows, will be there to educate us on Community Betterment and Legacy Grants available for your organizations.

THE DETAILS DATE & TIME:

January 9, 2020 11:30 AM - 1:00 PM

LOCATION: SIGN UP:

PRESENTED BY: Julie Stewart, community relations director @ Prairie Meadows

Holiday Inn Downtown 1050 6th Avenue Des Moines, IA $25 FOR MEMBERS

REGISTER

BREAKING BARRIERS ABOUT THE EVENT

Breaking Barriers- Women on fire and the men who support them will be welcoming Rita Perea, author of From Frantic to Fabulous.

THE DETAILS DATE & TIME:

January 15, 2020 11:30 AM - 1:00 PM

LOCATION: SIGN UP:

PRESENTED BY: Rita Perea, Author and Motivational Speaker

Holiday Inn Downtown 1050 6th Avenue Des Moines, IA $25 FOR MEMBERS

REGISTER

NON-PROFIT FORUM ABOUT THE EVENT

The FuseDSM Non-Profit Forum is a group of chamber members representing non-profits and associations who meet monthly.

THE DETAILS DATE & TIME:

January 15, 2020 8:30 AM-10:00AM

LOCATION: SIGN UP:

PRESENTED BY: Central Iowa Center for Independent Living

TBD Email info@fusedsm.edu for more information

REGISTER

MOXIE ABOUT THE EVENT

MOXIE (Member Owners eXchange Information & Experience) is a group of member business Owners/Presidents who meet monthly to discuss issues impacting their businesses.

THE DETAILS DATE & TIME:

January 22, 2020 8:15 AM - 10:00 AM

PRESENTED BY: Central Iowa Center for Independent

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Living

LOCATION: SIGN UP:

LifeServe Blood Center 431 E. Locust St. Des Moines, IA 50309 Email info@fusedsm.edu for more information

REGISTER

FEED YOUR MIND ABOUT THE EVENT

Feed Your Mind- FuseDSM’s new lunch and learn program will be hosting on the topic: The 3 T’s of Direct Primary Care: Trust, Time, & Transparency

THE DETAILS

DATE & TIME:

Jaanuary 22, 2020 11:30 AM - 12:30 PM

LOCATION: SIGN UP:

PRESENTED BY: Jon Van Der Veer, D.O., owns and operates Exemplar Care, PLC

Broadlawns Medical Plaza 1761 Hickman Rd. Des Moines, IA 50314 $16 FOR MEMBERS

REGISTER

FIRESTARTER MEETING ABOUT THE EVENT

Firestarters are the spark and energy our chamber needs to ignite growth and prosperity for our members while exploring new businesses to inspire. They are the Ambassadors for our membership!

THE DETAILS DATE & TIME:

January 23, 2020 11:30 AM - 1:00 PM

LOCATION: SIGN UP:

PRESENTED BY: FuseDSM, Your Chamber of Commberce

Holiday Inn Downtown 1050 6th Avenue Des Moines, IA Email info@fusedsm.org if you are interested,

REGISTER

NON-PROFIT FORUM ABOUT THE EVENT

The FuseDSM Non-Profit Forum is a group of chamber members representing non-profits and associations who meet monthly.

THE DETAILS DATE & TIME:

February 19, 2020 8:30 AM - 10:00 AM

LOCATION:

PRESENTED BY: Central Iowa Center for Independent

SIGN UP:

Living

TBD Email info@fusedsm.edu for more information

REGISTER

MOXIE ABOUT THE EVENT

MOXIE (Member Owners eXchange Information & Experience) is a group of member business Owners/Presidents who meet monthly to discuss issues impacting their businesses.

THE DETAILS DATE & TIME:

February 26, 2020 8:15 AM-10:00AM

LOCATION: SIGN UP:

PRESENTED BY: East Village Spa

LifeServe Blood Center 431 E. Locust St. Des Moines, IA 50309 Email info@fusedsm.org for more information.

REGISTER

FUSEDSM’S ANNUAL DINNER ABOUT THE EVENT

FuseDSM’s Annual Award Dinner is dedicated to celebrating our chamber members and recognizing their amazing accomplishments in the business community. Adam Carroll will be our keynote speaker.

THE DETAILS DATE & TIME:

February 26, 2020

PRESENTED BY: FuseDSM, Your Chamber of Commerce

LOCATION: SIGN UP:

Holiday Inn Downtown 1050 6th Avenue Des Moines, IA Save the date! Registration opens soon!

SAVE THE DATE

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Letter from our upcoming Board Chair // Randy

Thank you to Dr. Ryan Anderson, the executive committee and the entire board for their time and hard work during 2019. Over the past year, FuseDSM focused on many governance issues related to our growing footprint that now includes the North, East and South sides of the Des Moines metro area. We continued many popular events and are rolling out some fantastic new ones.

We will turn our attention in 2020 to growing our chamber and hosting events that will be both educational and advantageous for you and your business. As with any organization, events are most successful when members get involved by attending or helping to run them. I encourage you to do both in the coming year!

FuseDSM is Your Chamber of Commerce, and together we look forward to making 2020 better than ever.

Randy Sackett, 2020 Chair of FuseDSM, Your Chamber of Commerce

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COMMUNITY // REAL ESTATE

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EXPERT ARTICLE //

Year End Banking Checklist For Businesses

Bankers Trust // Travis Etchison Year End Banking Checklist While the season of planning for the next calendar year always seems to come so quickly, it’s important that you give yourself and your team enough time to properly plan for the myriad financial considerations that come with the end of the year.

No matter what stage your business is at, I’ve put together a handful of areas you want to be sure are on your checklist to review as you begin planning for yearend and the upcoming year.

1.

Work with your trusted partners, such as a CPA or tax advisor to review the changes in the tax law and understand how they will affect your business. This evaluation will help you determine your tax strategies including ways to save on your tax bill, when your taxes are due, and how you plan to cover your overall tax liability.

2. Determine purchases that will need to be made early in the new year, and decide if it’s a good idea to buy them ahead of schedule so you can take the deduction in your current tax year. Remember to also consider other options for obtaining equipment, such as leasing.

3.

Evaluate how your business is performing in terms of results versus projections. Review your margins, sales mix and customer base now, so you’ll have the opportunity to begin making adjustments and start the next year off strong.

4. Review your goals for next year and determine the financial needs involved in reaching them. Is expansion or new equipment part of your business’s upcoming year? Consider whether you need to start conversations with your banker and get the ball rolling now.

5.

Revisit your business plan. Are the strategies laid out in the plan still in line with the direction your business is in? Will you reach your goals sooner than anticipated?

If so, how will you make adjustments? Remember that your business plan should be a living, breathing document, and year-end planning is a great time to revise it.

With these five areas to consider, and the many efforts your businesses is undoubtedly already undertaking, you should be well prepared to close out one year and start the next year off on the right foot.

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WELCOME // NEW MEMBERS Sandler Sales Training

By Degrees Foundation Anytime Fitness Southeast The Village @ Gray’s Lake Copywriter+ Azymth Bruce Tax & CPA InnerVisions HealthCare Aflac - Joey Gering Starts Right Here Bank of the West Home Opportunities Made Easy, Incorporated (HOME, Inc.) Mosaic in Central Iowa Nexus 6 Kwik Star dluxSolutions Community Greetings Skate South Rita Perea Leadership Coaching & Consulting Adam Carroll Kwik Star A King’s Throne Portable Restrooms & Septic Service

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MEMBER // SPOTLIGHT Pelds Design Services OUR POINT OF BEGINNING

It all started in 1952 when Aivars Leo Pelds was taking his first mechanical engineering class at Iowa State College. On the first day, his instructor asked the class to draw—with excruciatingly tiresome detail—the threads of a screw.

As Leo glanced forlornly out the window at the fine autumn day, the instructor declared, “Get used to doing this. This is what you will be doing the rest of your life.” Leo noticed that outside the window, a land surveying class was enjoying the beautiful day as they learned their trade. Longing to be outdoors rather than trapped inside throughout his career, he switched curricula to civil engineering and land surveying.

After completing his training, Leo served as city engineer for the city of Urbandale, Iowa, and worked in the private sector. After more than a decade, he set out to work on his own and established A. Leo Pelds Engineering Company. Since then, the firm has served a diverse array of clients, including federal, state, and municipal entities as well as private developers and landowners.

The firm added architecture to its list of offerings in 2018, creating more opportunities to work with clients throughout the entirety of the building process. In 2019, the company changed its name to Pelds Design Services as a better reflection of the complete services offered.

Pelds Design Services now provides planning, architectural, civil engineering, and land surveying services throughout Iowa and neighboring states. Our leadership has remained within the Pelds family, with three of Leo’s four children taking on ownership and management roles in recent years.

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EXPERT // ARTICLE Making Employer Health Insurance More Affordable // Oasis, A PayChex Company For many Americans, health insurance is out of reach due to premiums and deductibles becoming increasingly unaffordable. Employers provide the primary source of health insurance today and cover approximately 153 million people, although it is estimated that as many as 27 million people are without insurance. In a new study by the Kaiser Family Foundation, as reported in the New York Times1, the average premium paid by the employer and the employee for a family plan is now around $20,000 per year, with the worker contributing about $6,000.

Health insurance has become an increasing challenge for small business owners and their employees. More than a quarter of all covered works and nearly half of those working for small businesses face an annual deductible of $2,000 or more1.

In many cases, it’s cost prohibitive for small businesses to participate in health insurance.

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CHAMBER // HIGHLIGHTS

Monthly Luncheon // WHAT’S NEW IN DSM TRANSPORTATION? You heard it here first! Advances in technology are transforming the public transportation industry across the nation and world. Representatives from DART and the Des Moines International Airport told us all of the exciting things to expect for DSM in the future!

Feed Your Mind // New HR Trends Anne Barry, Senior HR Regional Manager at Oasis a Paychex Company shared trends that will help us understand innovative approaches companies are implementing to find and keep great employees.

Monthly Luncheon // This is Iowa Iowa Economic Development Authority director Debi Durham came to tell us about how you can “live big in Iowa.” This was our largest lunch of the year and a great way to close out 2019!

Kwik Star // RIBBON CUTTING Congratulations Kwik Star on your new location! Des Moines is so excited to have you branching out in to our area!

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Did you know?

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EXPERT // ARTICLE Preparing for the Holidays when your Loved One has Dementia // Monica Kuehl, RN, BSN, CDP of Luther Park The holidays are a time for family; a time to reconnect, enjoy food and drink, and carry out traditions. If your loved one is living with dementia, you may also feel like the holidays are a time of extra stress and worry.

How will Grandpa react if we have people over for a holiday party? Will he recognize his children and grandchildren? Should I take him shopping with me?

Do not let these worries dampen the magic of the holidays. With some modifications in your traditions and expectations, I’m confident you can still experience the joy and spirit of the holiday season. Tips for simplifying and keeping the holidays enjoyable for both you and your loved one: 1) Give family members and friends a heads up. Although you are familiar with your loved one’s cognitive abilities and behaviors, you should inform your guests and relatives of his/her most recent difficulties.

READ MORE 17

EXPERT // ARTICLE Looking for qualified candidates? Let us help! // Raine Recruiting LLC Raine Recruiting is a 100% locally-owned recruiting and staffing firm that knows and understands Des Moines and the surrounding marketplace. Raine offers many types of employment services, with specialization in Accounting, Manufacturing, Office Administration, Customer Service and Skilled and Unskilled Labor.

Raine Recruiting can find and place candidates in direct-hire, temp-tohire and temp positions in and around the Des Moines area. If you’re currently employed, we would love to talk to you about your future goals and help make them a reality. Between jobs? Let us be a resource for you in your job search.

Looking for qualified talent for a permanent position in your company, or temporary staff for a special project? We can help you with that as well.

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COVER STORY

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DSM // EATS & TREATS

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DSM // EATS & TREATS

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COMMUNITY // EVENTS Jolly Holiday Lights Make-A-Wish® Iowa started Jolly Holiday Lights more than 20 years ago to raise money to grant Iowa children’s wishes. Since then, Jolly Holiday Lights has become the organization’s largest fundraising event. Ticket sales from the event have helped fund more than 900 wishes to date. MakeA-Wish Iowa is excited to continue the Jolly Holiday Lights event at Adventureland Park, where families can carry on this holiday tradition.

Location : Adventureland 3300 Adventureland Drive Altoona, IA 50009

MORE INFO

OUR HISTORY

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Something interesting we have learned since changing our name in 2018 to FuseDSM, is that many people do not know we are a Chamber of Commerce. We are Your Chamber of Commerce! In January 2011, the East Des Moines Chamber and South Des Moines Chamber combined efforts and resources by offering joint membership. For the next two years, the Chambers worked together to provide enhanced benefits to members through goal-driven committees, programs to support member business needs and a full calendar of events. In January 2013, the East Des Moines Chamber and South Des Moines Chambers members voted and approved to join organizations, forming one chamber: Des Moines East and South Chamber of Commerce.

Five years later in 2017, another opportunity presented itself to grow our community of passionate and authentic business owners with the integration of the northside of Des Moines. We knew it would become a bit of a mouthful if we just added the north to our name so we rebranded ourselves to eliminate the geographical borders that define most chambers. We decided to “fuse” all of the areas of our footprint so we could move forward into the future as one chamber ready to ignite business growth for everyone as FuseDSM, Your Chamber Of Commerce.

Family Fun Night- Make & Take Crafts It’s the third Friday of the month, so we’ve got an extra special Family Fun Night planned at Pioneer Columbus Recreation. Head over from 5 – 8 p.m. for hot chocolate and take-home crafts including paper flowers, carabiners, wax crayon art and more. The gym will also be open and the bounce house will be available. See you there!

MORE INFO

Full Moon Snowshoe Hike at Grandview Park Take a hike through Grandview Park on a set of snowshoes and enjoy a look at the full moon. This program will meet at the Grandview Park Enclosed Shelter at 5:30 p.m. so dress for the weather.

Registration is $5 and includes snowshoe rental and hot chocolate.

Register Here: http://bit.ly/FullMoonSnowshoeGV All ages are welcome. This program is subject to snow conditions. Anyone under 12 years old will need to have a guardian present.

Snowshoeing is fun and easy to do, if you can walk you can snowshoe. For additional information, contact Joel at Des Moines Parks and Recreation 515-248-6369.

MORE INFO

Trivia Night @ Bright Grandview Golf Course Come out to enjoy this fun event series held at the three city golf courses.Trivia nights are a fun way for friends to enjoy a weeknight activity and win some cool prizes. Each event is a different theme and will be announced at the event. Food and beverages will be for sale. $25 entry fee per eight member team. Limited to 15 total teams.

MORE INFO

Owls In Iowa Owls live right here in Des Moines but you do not get to see them easily. We will learn about the different kinds of owls that live here in Iowa and meet a live screech owl.

Dress for the weather! We will take a short hike in search of wild live owls in the park. We will finish up by making a Screech Owl nesting box to take home or donate back to Parks and Recreation. Meet at the WC Walker Shelter at MacRae Park (1021 Davis Ave) at 6 p.m.

Pre-registration is required only for participants who choose to build a nesting box, but everyone is welcome to attend the event. Anyone under 16 must be accompanied by an adult. The registration fee is $15 for each bat box.

MORE INFO

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FIRESTARTER OF THE QUARTER // Emily Cory Our Firestarter of the Quarter is Emily Cory @ Lamar Advertising!

Emily is a Sales Rep with Lamar Advertising and is going on her sixth year in January. She says her favorite part of working at Lamar gives her the opportunity to connect with people from all different trades. She says “getting to know clients over the years makes for some fun meetings! There’s nothing better or more meaningful than when a client shares the success their billboard campaign brought them and their business.

That is what continues to motivate me every day.”

Being a Firestarter for FuseDSM has allowed her to meet some awesome people within and outside of the chamber. The Firestarter group itself is a dynamic group of outgoing individuals who are all on a mission to raise each other up! Emily’s favorite event is Taste of the Something Spectacular! She says, “It’s always an awesome time to chat with other members and get to know them on a more personal level. Not to mention getting to try the best foods from restaurants on the North, East and Southside. I also look forward to our Firestarter meetings each month, it’s such a fun group of people who are always looking to help out and broaden each other networking circle. Not to mention getting to try the best foods from restaurants on the North, East and Southside.” Emily also looks forward to our Firestarter meetings each month, it’s such a fun group of people who are always looking to help out and broaden each others networking circles. Emily says, “I can help out FuseDSM members by hearing their needs and assess how our billboards can help promote their businesses and products that are unique to them. Every business has goals. My mission is to help reach those goals by providing some of the best exposure that offers advantages to both the advertiser and target audience. It’s one of the most rewarding feelings when a client has a story of the success their billboard campaign brought them and their business!” Thank you for everything you do for FuseDSM Emily!

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MEMBER // EVENTS

FuseDSM Members are on the Move - Don’t Miss Out If you are a FuseDSM, Your Chamber of Commerce member and have an event you would like us to highlight in the future, please send it to info@ fusedsm.org for consideration. As you can see, we have a lot of members doing a lot of cool stuff, so we can not always accomodate, but we will try!

Winter Break: Totally Tropical Drop-in Activities: Daily 10 a.m.-4 p.m. Looking for a fun family experience over winter break? Join us for an array of drop-in activities that celebrate the unique beauty of the tropical rainforest through games and crafts (free with paid admission).

Register for our family workshops: Tropical Terrariums Botanical Dyes Banana Muffins

REGISTER HERE

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Issues Forum Series: The Future World of Work The Issues Forum Series offers Greater Des Moines business leaders and community members the chance to learn about key issues presidential candidates are discussing on the campaign trail.

This series welcomes subject matter experts to explain issues and explore potential policy solutions.

REGISTER HERE

Skate South Teen Late Skate

First in the Nation Film Festival

December 31st from 7:00pm-1:00am Drop off your teens for a safe and fun New Years’ Eve Party!!

Recommended for ages 12+ Admission $15.00 per skater Balloon drop at midnight with over $500 in cash prizes!!

This will be a first of its kind film festival in Iowa open to submissions from Iowa filmmakers. Short films of all genres will be included, as long as they fit a running time of no more than 15 minutes, and focus on a progressive issue related to Iowa. Winners will receive cash prizes and have their films screened at a showing in January.

REGISTER HERE

REGISTER HERE

EXPERT// ARTICLE Keep your brain young and sharp // Yogesh Shah MD, MPH, FAAFM @ Broadlawns Medical Center One third of the brain’s volume is comprised of blood vessels. Although the brain is only about 2% of the total body weight, it receives 15-20% of the body’s blood supply. Maintaining a healthy blood flow to the blood vessels in your brain is critical to keeping the brain young and sharp.

There are five easy ways you can keep your brain sharp: exercise, eat right, ease stress, stay social and keep on learning.

Exercise Research shows that exercise improves brain health, and it’s never too late to begin. Even moderate exercise has been shown to increase memory, mental processing speed and the size of the hippocampus (the part of the brain responsible for forming new memories) in previously sedentary adults. By walking 20-30 minutes three times per week, you can produce significant gains in your memory and mental processing speed.

Eat right By eating a diet that is filled with vegetables, fruits, whole grains and legumes, you can improve the health of your brain. Scientists also encourage eating fish, walnuts, blue berries, spinach and other sources of omega-3 fatty acids for brain health. Curcumin, found in the spice curry, may protect against Alzheimer’s disease. Conversely, a high-fat diet and obesity raise the risk for developing dementia. If high cholesterol, diabetes and high blood pressure are left untreated, the risk of dementia is also increased. There are brain specific diets like MIND and Mediterranean diets.

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Empresari@s // UPDATE Fernando Aveiga // Chair Empresari@s is a group supporting the growth of bilingual businesses and clients in Des Moines Metropolitan Area. Empresari@s hosts one business development class in partnership with the Evelyn K Davis Center called the Masters Business Bootcamp En EspaĂąol during five Monday session in July and early August. In this class, business owners jump onto mastery of cloud computer skills focused on refreshing their brand and modus operandi of the company. In addition, our group along with FUSE DSM staff hosts a yearly networking event called the Rooftop Party where business owners and employees gather to have strictly fun, listening to bilingual music and eating delicious food and refreshments. Empresari@s group promotes the use of the Spanish language and aims to attract more businesses to be part of the our multicultural chamber of commerce FUSE DSM.

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AFFILIATE // BENEFITS December GDMP Partnership Perk Take The EDGE Pledge

We need your help in reaching one of our goals for this year to advance the education pipeline in Greater Des Moines (DSM). Education Drives Our Greater Economy (EDGE) is designed to cultivate cradle-through-career education and training to ensure 75 percent of DSM working-age adults have degrees, certificates and other credentials by 2025 that meet workforce demands. This is a regional goal, which builds upon the State’s Future Ready Iowa initiative.

If you believe in this goal, please first take the EDGE pledge for your company to publicly show its support. By taking the EDGE pledge, your company’s name will be listed as an EDGE supporter on the Greater Des Moines Partnership’s website along with other DSM organizations that believe in attracting great talent and increasing educational attainment of our workforce. Once you take the pledge, visit the EDGE page on The Partnership’s website to see examples large and small of how other companies and organizations have helped advance the goal and get ideas about how you may be able to have an impact.

Thank you for supporting EDGE and for your continued support of the Greater Des Moines Partnership and your local Chamber.

4414 114th Street Urbandale, Iowa 515-727-0731 www.atwtraining.com

DOESN'T YOUR STAFF DESERVE AWARD WINNING TRAINING? 30

Award winning training solutions that help unleash the human potential of organizations. ATW Training is the recipient of the Enterprise Service Outlook Top 10 Corporate Education and Training Companies for 2018 and was named Best Training and Development Company of 2019 by the Des Moines Business Record!

EXECUTIVE // BOARD FuseDSM’s Board of Directors serve a three-year term with a maximum of two terms. Members of the Board focus on the development of Board policies that govern the implementation of institutional plans and purposes. The role is separate and distinct from the role of the staff, to whom are delegated the implementation of these policies.

Ryan Anderson //

No Coast Consulting Board Chair

Matt Pick //

Randy Sackett //

West Bank Immediate Past Chair

Laura Gibson // Central Iowa Center for Independent Living Secretary

Yellow & Capital Cab Co, Vice Chair

Tom Welchans // Denman & Company, CPA Treasurer

BOARD OF // DIRECTORS Jeremy Merrill //

Fernando Aveiga //

Carolyn Jenison //

Andre McKay //

Annie Giudicessi //

Pam Thompson //

Danny Beyer //

Patrick Rupe //

Daniel Willrich //

Lubinus Law Firm

Reliable Maintenance

Iron Horse Wealth Management, LLC

Hacha & Machete, Inc.

Hey Giud Communications

Atlantic Coca-Cola Bottling Company

SpeakPR

Parks Area Foundation

Pelds Design Services

INTERESTED IN GETTING INVOLVED? Contact FuseDSM today for additional ways to get your business noticed in our 10,000 business footprint.

Or set up a time with our Firestater Ambassadors to discuss how the chamber can change your marketing approach.

OUR CHAMBER GROUPS 31

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