November’s Members in Motion “Friendsgiving” Block Party—hosted by Centennial Bank, Advanced Urgent Care, and Keys Chocolates & Ice Cream—brought together friendship, laughter, and true community spirit, all while supporting a toy drive for Wesley House. The night perfectly captured the spirit of Friendsgiving.
See more photos on page 8
President's Corner PAGE 3
Chairman's Ball PAGE 4
Ways to Give Back PAGE 6
Members in Motion PAGES 8 & 9
Upcoming Events PAGE 10
Why Become a Trustee PAGE 12
Luncheon Happenings
PAGES 14 & 15
Interesting Ways to Cut Cost PAGE 16
Brussels Sprouts Recipe PAGE 19
Signature Dish Winners PAGE 22
Credits:
Key Largo Chamber of Commerce
Market Design Connect with Nikki Dunn Cullen
Key Largo Chamber of Commerce
Key Largo Chamber of Commerce
Join the Chamber's exclusive Legacy Member 100K Club to help raise
$100,000 to pay off the chamber's mortgage and bolster reserves. The Key Largo Chamber is seeking 100 sponsorships of $1,000 per business or individual. Thank you to:
X Henry Quintana
X HNO Productions
X Michael Rojewski Realtor
X Gretchen Holland
X Coral Reef Title
X Arla Marr
X Borland & Associates, Roberto & Ana Alonso
X In Loving Memory of Stuart Marr
X Boilini Eye Care
X Dennis and Lee Caltagirone
X Coldwell Banker Schmitt Real Estate
X Centennial Bank
X J.A. LaRocco Enterprise Inc. & All Keys Concrete, LLC
X SBI Window + Doors
As we near the end November and prepare for the Thanksgiving holiday, many of us naturally turn our thoughts to gratitude. Gratitude for family, for friendships, for our beautiful island home, and for the opportunities we have as business owners, leaders, and residents of this special community. It is a time when we reflect on what we have, but it is also a time to consider what we give.
All of us know that giving back is an important part of the holiday season. But I want to take this moment to focus on why it matters not only in November and December, but throughout the entire year, and why, in particular, it is so important for local businesses to take an active role in supporting the community around them.
The reality is that 2025 has not been an easy year for many individuals or organizations. Costs are up, nonprofit funding has been cut across multiple sectors, and a growing number of our neighbors are quietly struggling to make ends meet. The organizations that provide meals, housing assistance, youth programs, senior services, mental health resources, animal care, and so much more are being asked to do more with less and they can’t do it alone.
This is where local businesses can play an essential role.
Giving back isn’t just a moral responsibility, it is also one of the most powerful investments a business can make. When businesses support the community, the community thrives. And when the community thrives, so do its businesses.
There is no better marketing than being known as a business that cares about its hometown. Sponsoring a fundraiser, supporting a nonprofit event, donating services, offering volunteer hours, or simply saying “yes” when a
local organization needs help are direct actions that create connection, trust, and goodwill. They show customers that your business is more than a storefront or a service provider, you are a neighbor.
The Key Largo Chamber has always been blessed with members who understand this. Our local business community has a long history of supporting charities, schools, youth sports, service organizations, and special causes. But this year more than ever, that support is needed. Even small gestures make a difference: one sponsorship, one partnership, one afternoon of volunteering, one check written where budgets are tight.
And giving back doesn’t only benefit the recipients. It strengthens relationships among businesses as well. Working together for a common good expands networks, creates new friendships, builds collaboration, and reminds us that we are all part of something bigger than ourselves. A strong community and a strong economy go hand in hand.
As the Chamber, we are committed to doing our part as well. Our events, programs, and initiatives not only support the local business community but also open the door for members to get involved, raise awareness, and contribute in meaningful ways. Sponsorships of our monthly luncheons directly help us continue offering valuable programming and networking opportunities throughout the year. And as we look ahead to one of our biggest events, the annual Chairman’s Ball in January, we welcome and encourage those who want to be part of making it a strong celebration of our business community.
Whether as a sponsor, volunteer, donor, or supporter, your involvement matters. It keeps our chamber strong,
President of Key Largo Chamber of Commerce
keeps our mission moving forward, and allows us to continue providing the tools, advocacy, visibility, and resources our businesses rely on. When you support the chamber, you are supporting your own business and the broader community at the same time.
As we prepare to gather with family and friends this Thanksgiving, I hope we all remember that gratitude is best expressed through action. Let us use this season as a reminder to remain mindful of those who could use a helping hand, not just now, but every month of the year. Let’s continue to show what it looks like when neighbors support neighbors, businesses uplift the community, and the spirit of giving becomes a way of life, not just a holiday tradition.
On behalf of the Key Largo Chamber of Commerce, I wish you and your families a warm, joyful, and meaningful Thanksgiving. May we all celebrate the blessings we have and remember to share those blessings generously with others.
Incoming Chairman of the Board, Michael Rojewski, invites you to step onto the red carpet for an unforgettable evening of elegance, excitement, and celebration at the Key Largo Chamber of Commerce Chairman’s Ball on January 10, 2026.
This year’s theme, Hollywood Red Carpet, promises a night filled with glitz, glamour, and star-worthy style. Guests are encouraged to embrace sparkles, sequins, and a touch of classic Hollywood sophistication as we toast to a new year of leadership, partnership, and community success.
The evening begins with an exclusive VIP Champagne Reception, followed by a spectacular celebration featuring delicious cuisine, live entertainment, and endless photo opportunities worthy of the big screen. Guests can also participate in our silent auction, showcasing exciting items and experiences generously donated by Chamber members and local businesses.
And of course, no Hollywood soirée is complete without dancing the night
January 10, 2026
away—so bring your best moves and get ready for a night to remember!
Join us as we celebrate our business community, honor our incoming leadership, and shine a spotlight on the people and partners who make the Upper Keys truly sparkle.
Sponsorship Opportunities Available
Sponsoring the Chairman’s Ball offers exceptional visibility and recognition.
Depending on your level of support, your business may be featured in event promotions, programs, signage, social media, and press releases—ensuring your brand takes center stage before an engaged and influential audience. Join the fun as a sponsor and experience the red carpet like never before!
Contact Tonya at events@ keylargochamber.org to learn more.
As the holiday season approaches, companies have a unique opportunity to spread joy and make a meaningful impact in their communities. Whether it's organizing toy drives, creating engaging experiences for employees, or offering avenues for charitable donations, your company has numerous opportunities to give back and embrace the festive spirit. Here are five impactful ways your company can contribute this holiday season.
Hosting a toy drive is an excellent way to give back and spread joy to children who might otherwise go without gifts this year. Organizing a toy drive is simpler than you might think. Start by partnering with local charities or organizations that distribute toys to families in need. This collaboration ensures that your contributions reach those who will benefit most. Encourage employees to participate by donating new, unwrapped toys. You can set up collection bins at various locations within your office or even host special events where people can drop off their donations. Consider adding an element of friendly competition by challenging different departments or teams within the company to collect the most toys.
Hosting a company raffle not only excites your team but also gives back to the community. By encouraging employees to donate canned goods in exchange for raffle tickets, you create an opportunity for everyone to contribute to a meaningful cause while having fun. Here's how it can work: For every canned good an employee donates,
they receive one raffle ticket. The more cans they bring in, the greater their chances of winning exciting prizes! This simple yet impactful initiative not only fosters team spirit but also fills local food banks with much-needed supplies during this critical time of year.
Consider hosting a "Give Back to Our Heroes" event within your company to honor those who have served our country. The initiative provides an opportunity to express gratitude, while also fostering a sense of community and purpose among employees. By organizing activities such as donation drives, volunteer opportunities, or fundraising events specifically aimed at supporting veterans, your company can make a meaningful impact. Hosting such an event not only benefits veterans but also enhances employee morale by involving them in a cause that makes a difference.
One powerful way for companies to come together and make a meaningful impact is by adopting a family in need. Imagine the difference we can make when each department joins forces, pooling resources and creativity to support families who could use a helping hand. By participating in an adopt-a-family program, your company can provide essential items like food, clothing and gifts that will brighten the holiday season for those less fortunate. Employees will feel proud knowing they work for an organization that prioritizes compassion and community involvement. It’s an opportunity for team bonding as colleagues collaborate on fundraising efforts or shopping trips.
One way your company can mix fun with philanthropy is by hosting a company-wide gingerbread house contest. Not only does this activity bring festive cheer and camaraderie among colleagues, but it also offers a meaningful opportunity to contribute to the community. The twist? The winner gets to choose a charity for the company to donate to in their name. By allowing the winner to select a charity, you empower your team members, making them feel valued and heard. It also reflects positively on your company's image, showcasing your commitment to social responsibility.
Engaging in holiday charitable activities not only benefits those in need but also fosters a sense of unity and purpose among employees. By involving your team, you create opportunities for collaboration and strengthen bonds within your organization.
Whether it's organizing a companywide charity drive or partnering with local organizations to support their initiatives, every effort makes a difference. Moreover, when employees see their company actively involved in philanthropy, it boosts morale and enhances job satisfaction. It shows that the organization cares about more than just profits; it demonstrates a commitment to making a positive impact on society.
So, this holiday season, take the initiative to involve your team in giving back.
Source: Society for Hospitality & Food Service Management
Another fun Members in Motion event in the books! Our “Friendsgiving” Block Party overflowed with great conversations, festive energy, and generous toy donations for Wesley House. Thank you to sponsors: Centennial Bank, Advanced Urgent Care, and Keys Chocolates & Ice Cream.
Wednesday, December 3
Saturday, December 6
Sunday, December 7
Tuesday, December 9
Thursday, December 11
Saturday, December 13
Wednesday, December 17
Thursday, December 18
See all our up-to-date events on our website, www.web.keylargochamber.org/events
Full Moon Kayak Excursions at Big Pine Kayak Adventures
Holiday Market at the Upper Keys Garden Club
December Guided Tours at History of Diving Museum — Pearl Harbor
Holiday Wine Show and Tasting at City Hall Cafe
Chamber Social Networking Lunch Meeting, Holiday Inn: "Planning for 2026 Panel”
Merry Divemas! & Immerse Yourself at History of Diving Museum
December Members in Motion: Chamber Holiday Party!
Experts in what we do, bound by a code of ethics
Florida Keys Board of Realtors®
Board of Directors:
Claire Johnson
Karen Williams deCastro
Corie MaGraw-Abel
Michael Rojewski
Kathe Kaile
Erin Kiel
Amy Bruggeman
Christine GGarcia-Castellanos
Lindsey Davis
David Lazcos
Michaela Walters
We provide care in Private Homes, Assisted Living Facilities, Hospitals,Nursing Homes, Rehabilitation Centers and Senior Citizen Facilities.
We have the ability to bill your Long Term Care Insurance on your behalf.
• AF&L/ American Fidelity & Liberty • AIG
• American Heritage
• American Pioneer
• American Travelers
• Bankers Life
• Blue Cross Blue Shield-long term care
• Conseco
• Colonial American
• CNA Insurance Company
• GE Life Assurance & Annuity Company
• Genworth
• GTL Insurance
• John Hancock
• Kanawha
• Lincoln Benefit
• Metlife
• Mutual of Omaha
• Old American
• Penn Treaty Insurance
• Senior Health Insurance Company of Pennsylvania/SHIPP
• Trans America
• Transport Life Insurance
• Union Labor
• Washington National
(WE DO NOT ACCEPT MEDICARE)
Aventura
Coconut Grove
• Miami Gardens
• Miami Lakes
• North Miami Beach
• Ocean Reef
• Perrine
• Pinecrest
• South Miami
• Village of Palmetto Bay
Thank you to everyone who joined us for the November luncheon. It was a full house at Holiday Inn Key Largo. We also extend our appreciation to First State Bank for sponsoring the event.
In today’s competitive and often volatile market, businesses are constantly on the lookout for innovative strategies to reduce operational expenses. While some cost-cutting techniques are widely known—such as trimming the marketing budget or reducing overhead—others remain underutilized or even overlooked entirely.
However, the real winners in the business world are the ones that find smart, strategic, and often unconventional ways to reduce costs without compromising quality or performance.
Here are 10 interesting ways your business could start cutting costs, some of which might surprise you.
If you’re not reviewing and negotiating your business contracts regularly,
you’re probably leaving money on the table. From vendor agreements to employee offer letters, every contract represents a potential cost-saving opportunity.
According to INCPAS, three ways advisory services can help your company include providing contract reviews, offering commercial contract negotiations, and providing employment offer reviews.
These services can uncover inefficiencies or unfavorable terms that may be costing your business more than necessary. By bringing in external advisors for a professional analysis, you ensure that your business agreements are aligned with your financial goals.
Energy efficiency is a classic area for cost reduction, but many businesses fail to address one of the biggest culprits: equipment inefficiency.
For instance, by cleaning your heat exchanger regularly, you could save $5,000-$10,000 per year in energy costs. Heat exchangers are often overlooked in maintenance schedules, yet they play a critical role in regulating temperature in industrial and commercial settings.
Dirty or inefficient units require more energy to operate, directly increasing utility costs. Regular maintenance not only saves money but also extends the life of the equipment.
The pandemic reshaped the way we think about office spaces, and for many businesses, the hybrid or fully remote model is here to stay. Reducing physical office space can significantly lower rent, utility bills, office supplies, and even cleaning services.
Beyond cost savings, remote work often increases productivity and
employee satisfaction, which can reduce turnover and its associated costs. Consider transitioning some departments to remote work permanently or alternating in-office days to downsize your physical footprint.
Why pay full-time salaries and benefits for roles that can be outsourced at a fraction of the cost? Functions like customer service, IT support, bookkeeping, and even marketing can be outsourced to specialized firms or freelancers.
Outsourcing allows businesses to tap into expert talent on an asneeded basis, optimizing efficiency and reducing fixed labor costs. Be strategic—identify non-core activities that don’t require a full-time in-house employee and start there.
Big data isn’t just for large corporations anymore. Even small businesses can use affordable analytics tools to track inventory, customer behavior, and financial performance. With better data comes better decisions.
For example, analyzing customer purchasing patterns can help you reduce waste in inventory, optimize pricing, or streamline your supply chain. Identifying underperforming products or services through data also allows you to focus resources on highmargin areas.
Most businesses rely on a variety of digital tools—CRM platforms, communication tools, payroll software, etc. Over time, this stack can become bloated, with redundant tools eating into your budget.
Audit your software and look for opportunities to consolidate or eliminate unnecessary tools. Many
platforms offer multiple functions (e.g., Slack for communication and integrations, or HubSpot for CRM and marketing). Bundling services with a single provider can also yield cost savings through discounts.
Did you know that enhanced engagement strategies are known to boost customer loyalty by up to 50%? And it’s far more cost-effective to retain an existing customer than to acquire a new one.
Investing in customer loyalty programs, personalized marketing, and proactive support can lead to repeat business and more predictable revenue streams. Loyal customers are also more likely to refer others, decreasing your overall customer acquisition cost.
From automated invoicing to customer service chatbots, automation has come a long way. Businesses that invest in automation tools can save time and money while reducing the risk of human error. For example:
• Automate your email marketing sequences.
• Set up recurring billing systems.
• Use AI chatbots for FAQs and first-level customer inquiries.
• Automate employee onboarding and HR paperwork.
These efficiencies free up human resources for higher-value tasks and reduce long-term labor costs.
Many businesses treat vendor pricing as fixed, but the reality is that many suppliers are willing to negotiate— especially if you’ve been a long-term customer or are buying in bulk.
Schedule regular vendor reviews to discuss pricing, terms, and delivery
fees. Consider requesting quotes from competitors and using those as leverage to renegotiate existing agreements. Sometimes even slight adjustments in payment terms (e.g., early payment discounts) can lead to substantial savings over time.
You can implement all the financial strategies in the world, but if your team isn’t aligned, results will be limited. Empower your employees to think about cost-efficiency in their daily activities.
Some ways to build a cost-conscious culture:
• Reward departments for coming in under budget.
• Encourage suggestions for cost savings and recognize valuable contributions.
• Provide training on smart spending and resource management.
• Use dashboards to make expenses more transparent across departments.
When employees understand the impact of their choices and feel incentivized to contribute, they become active participants in your cost-reduction goals.
Cutting costs doesn’t have to mean cutting corners. With a creative and strategic approach, you can reduce expenses while boosting efficiency, morale, and long-term sustainability. Whether it’s through technology, renegotiating contracts, or simply cleaning your equipment more regularly, there are numerous ways— many of them unexpected—to protect your bottom line.
Source: Chamber Nation
Henry Menendez 2024 - 2026 Chairman of the Board of Directors HNO Productions – Owner/Operator
Roberto Alonso (2025-2027)
Borland & Associates President
Angie Alvarez (2024 -2026) Centennial Bank Branch Manager
Manuel Alvarez (2024-2026)
Verdeja, De Armas & Trujillo, CPA
Berta Bravo (2024 – 2026)
SBI Windows & Doors Owner
Spenser Bryan (2025-2027)
Monroe County Sheriff’s Office, Captain
Kevin Donlan (2024-2026)
Publix Supermarkets, Inc District Director
Melissa Fernandez (2025-2027)
All Keys Concrete Communications & Sales
Cathy Gahagen (2024-2026)
The Catch Owner
Suzanne Holmquist (2025-2027)
Calypso Watersports & Charters Proprietor
Mary Houston (2025-2027)
Houston Insurance Agency Owner
Michelle Kane (2025-2027)
Vernis & Bowling of the Florida Keys, PA Attorney
Michael Rojewski – Chairman Elect (2023–2025)
Michael Rojewski Group Owner
Ruth Schrader-Grace (2025 - 2026)
Keys Core Fitness Owner/Operator
Blaine Vernicek (2025 - 2027)
The Structure Group Manager
As you are planning your Thanksgiving dinner, don’t forget about Brussels sprouts! Brussels sprouts have earned their place on the Thanksgiving table thanks to their fall harvest season and ability to balance the richness of the holiday meal. Their earthy flavor pairs beautifully with classic ingredients like cranberries, nuts, and maple, making them a natural fit for the feast.
This Brussels Sprouts with Bacon and Cheese recipe combines roasted sprouts with smoky bacon and salty Parmesan for rich, savory flavor. A touch of balsamic adds just the right hint of sweetness. It's an easy side dish that pairs perfectly with any dinner.
Bacon: Cook it before adding to the sheet pan.
X Brussels sprouts, trimmed and halved
X Bacon, cooked and crumbled
X Olive oil
X Salt and black pepper
X Balsamic vinegar or balsamic glaze
X Parmesan or Locatelli Romano cheese
A standard bag of Brussels sprouts is about one pound. A regular sheet pan (18 x 13 inches) can hold up to two pounds of halved sprouts. If you're cooking more than two pounds, use two pans so they roast evenly.
Instructions
1. Preheat oven to 400°F (200°C) and set the rack in the center. Line a sheet pan with parchment paper or aluminum foil coated with cooking spray.
2. Cook the bacon in a dry skillet over medium heat, turning occasionally until crisp. Remove it from the pan, drain on paper towels, and chop into small pieces.
3. Rinse the Brussels sprouts under cold water, pat them dry, then trim the ends and cut them in half through the stem.
4. In a large bowl, toss the sprouts with olive oil, salt, and pepper until evenly coated.
5. Spread them out in a single layer on the baking sheet, cut side down, and roast for 15 minutes.
6. Remove the pan from the oven and push all the sprouts toward the center of the pan. Drizzle with balsamic vinegar, then sprinkle pre-cooked bacon and cheese over the top.
7. Return to the oven for another 15 minutes until the sprouts are tender and the cheese is melted.
8. Taste and adjust seasoning with salt and pepper before serving.
Serve and enjoy!
SOURCE: Cooking in the Keys
The holiday season is all about giving, and at Florida Keys Electric Cooperative, we are proud to give to our members through services that align with your needs and interests. From protecting your home and business with whole-home surge protection to offering energy solutions like residential rebates, these are programs we proudly wrap with a bow to share with you.
The list below highlights just a few of the many services FKEC offers to support our members and deliver quality customer service throughout the year.
FKEC’s meter mounted Whole-Home Surge Protection provides a level of defense for your entire home’s or business’ electric system.
www.fkec.com/services/surge-protection/ “GenSafe” Program
For safe and easy portable generator connection, FKEC’s “GenSafe” Program allows members to purchase a metermounted device that includes an outlet for a portable generator.
www.fkec.com/services/gen-connect
FKEC offers dark-sky compliant LEDs to members for a monthly charge based on the calculated kilowatt hours (kWh) used per lamp depending on its size.
www.fkec.com/access-your-account/outdoor-lighting
Track the location and restoration status of a power outage in our service territory via a computer or mobile device.
www.fkec.com
Our Landlord Automatic Transfer of Service Program makes managing electric bills for residential rental properties easy. When a tenant requests a disconnection of service, their electric bill seamlessly transfers to the landlord listed.
www.FKEC.com/landlord-auto-transfer
FKEC net metering makes it easy for solar homes and businesses to draw power from the local power grid while also producing solar energy. The program also allows FKEC to incorporate more solar power into its system by buying back the surplus generated by the solar homes.
www.fkec.com/green-power
To help members have financial access to solar power generation, FKEC offers a Solar Loan program. Experience a streamlined application process, along with the convenience of having your loan payable with your monthly electric bill.
www.fkec.com/green-power/solar-loan-program
We offer qualifying members a loan of up to $25,000 for purchasing and installing a new automatic standby generator, with the convenience of having your loan payable with your monthly electric bill.
www.fkec.com/services/generator-loan
FKEC offers a Residential Rebate Program to help our members reduce energy consumption! To benefit as many members as possible, FKEC offers a wide range of qualified rebates, from investing in a new air conditioner to reflective roof coating. Rebates range from $25 to $500, with a $500 limit per member per calendar year.
www.fkec.com/services/residential-rebate
FKEC performs informative electrical presentations and safety demonstrations for students and organizations in our community. To learn more call 305-852-2431.
www.fkec.com/resources/safety
FKEC members can request to have vegetation that is, or potentially could, interfere with power lines or equipment trimmed. Conveniently file an online Tree Trim Request or call (305) 852-2431. NEVER attempt to trim or prune any vegetation near power lines.
www.fkec.com/services/tree-management/
FKEC’s online account management tool that allows you 24/7 access to pay your bill, track your power usage, contact the co-op and so much more.
www.fkec.smarthub.coop
Baptist Health is here for you in Monroe County, providing the compassionate, quality care you deserve.
Our local network includes:
y Mariners Hospital (Tavernier) and Fishermen’s Community Hospital (Marathon)
y Specialty cancer, heart and vascular, and orthopedic care
y Imaging, surgery, and physician therapy and rehabilitation
From care in your neighborhood to the full Baptist Health network across South Florida, your health is our top priority, wherever you are.
