The Legend Newsletter June 2026 by keylargochamber

June Memebers in Motion

June brought a great group of Chamber members and guests together at Skippers Dockside for another fantastic Members in Motion networking event. Great food, refreshing rum punch, golf simulator fun, and plenty of laughter made for an unforgettable evening of building relationships and strengthening our Chamber community. A special thank you to Skippers Dockside for being such outstanding hosts!

In This Issue

President's Corner PAGE 3

Celebrating Freedom PAGE 4

Financial Independence for Women Entrepreneurs PAGE 6

Members in Motion PAGES 8 & 9

Upcoming Events PAGE 10

Power Outage Prep PAGE 11

Why Become a Trustee PAGE 12

Chamber Luncheon PAGES 14 & 15

2026 Board of Directors PAGE 18

TDC Tourism Update & Keys Season PAGE 20

Thank you Trustees PAGE 21

One Big Beautiful Bill Impact PAGE 24

Watermelon Arugula Salad Recipe PAGE 25

Credits:

Key Largo Chamber of Commerce

Market Design Connect with Nikki Dunn Cullen

Key Largo Chamber of Commerce

106000 Overseas Highway, Key Largo, FL 33037

305-451-1414

www.keylargochamber.org

Key Largo Chamber of Commerce

Legacy Members

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

X Lance Holmquist

X New Edge Associates

Volunteers Volunteer... and it feels good

Over the past several months, I've written about the importance of getting involved in our community. Volunteering isn't just something we do, it's part of what makes the Upper Keys such a special place to call home.

As we enter the final stretch of preparations for our Fourth of July celebrations, I find myself reflecting on just how fortunate we are to live in a community filled with people who simply show up.

From the dedicated volunteers who spend countless hours organizing and directing the annual parade, to the members of the Key Largo Rotary who are sponsoring and cooking hundreds of hot dogs for the Freedom Fest Picnic, our Independence Day celebration wouldn't happen without them. These are people who willingly give their time, energy, and talents, not because they're looking for recognition, but because they believe our community is worth investing in.

That kind of generosity is inspiring.

Earlier this year, I had the privilege of becoming a Rotarian. At a recent Key Largo Rotary meeting, I had the opportunity to tell what I call my "fullcircle Rotary story" as I thanked the club for stepping up to help with our Fourth of July festivities.

Back in 2018, when I was working for the American Cancer Society, I was responsible for organizing Making Strides Against Breast Cancer events throughout the Florida Keys. While I had strong relationships with volunteers in the Upper Keys and Marathon, Key West was still new territory for me. I knew I needed a much larger volunteer force if the event was going to be successful. Someone suggested I speak to the local Rotary clubs.

I visited several meetings and shared the need for volunteers. Everyone was encouraging, but as the event

approached, I never received a single volunteer sign-up sheet. Naturally, I assumed no one was coming.

So, at 5:00 on the morning of the walk, I loaded my vehicle by myself and drove to the park fully expecting to handle setup alone.

As I pulled into the parking lot before sunrise, I couldn't believe what I saw.

A group of six to eight Rotarians was already there waiting for me.

Without hesitation, they unloaded my vehicle, carried tables and supplies, and helped transform an empty park into an event site.

Then, at the end of the day, just as I was mentally preparing for hours of teardown by myself, I turned around to find another group of Rotarians standing there asking, "What do you need us to do?"

I was amazed.

That day I truly understood the Rotary motto, Service Above Self.

It also reminded me of something I've seen time and again throughout my career in nonprofit organizations: people genuinely want to help. When we're given the opportunity to make a difference, something remarkable happens. We don't just improve someone else's day; we improve our own.

Research consistently shows that volunteering reduces stress, builds friendships, strengthens communities, and even contributes to better physical and mental health. There is real science behind what many volunteers already know: helping others feels good.

I don't think that's an accident. Human beings are wired for connection. We thrive when we belong to something larger than ourselves. Children who grow up watching parents volunteer are much more likely to become volunteers themselves because generosity is contagious.

Suzi Youngberg

President of Key Largo Chamber of Commerce

Every act of service has the potential to inspire another.

That's exactly what I see here in Key Largo.

Whether it's coaching youth sports, serving on nonprofit boards, helping with environmental cleanups, assisting neighbors after a storm, or volunteering at community events, our residents continue to demonstrate what makes this community extraordinary.

If you've ever thought about getting involved, I encourage you to take that first step.

In fact, as we put the finishing touches on this year's Fourth of July Freedom Fest Picnic, we could still use a few extra helping hands. Whether you can spare an hour or an afternoon, we'd love to have you join us. And if the Fourth of July isn't the right fit, there are countless nonprofit organizations throughout the Upper Keys that would welcome your time and talents.

I have a feeling you'll discover what so many of us already have.

When you volunteer, you don't just strengthen your community.

Your community strengthens you right back.

The Importance of Financial Independence for Women Entrepreneurs

Financial independence is more than just earning money—it is about gaining control over your life, making confident decisions, and securing your future. For women entrepreneurs, financial freedom represents empowerment, equality, and the ability to pursue dreams without limitations. In 2026, as women continue to redefine leadership and innovation, achieving financial independence has become a powerful symbol of progress and self-reliance.

Entrepreneurship provides a pathway for women to break barriers, create wealth, and contribute meaningfully to society. By building successful businesses, women not only uplift themselves but also inspire communities and future generations.

What Is Financial Independence?

Financial independence refers to the ability to sustain oneself without relying on others for financial support. It allows individuals to make life choices based on passion and purpose rather than necessity. For women entrepreneurs, it

means having the resources and confidence to lead, invest, and grow without constraints.

This independence provides stability and ensures long-term security. It also enables women to take calculated risks, expand their ventures, and achieve both personal and professional aspirations.

Why Financial Independence Matters for Women

For decades, women have faced economic disparities and limited access to opportunities. However, entrepreneurship is transforming this narrative. Financial independence empowers women in several ways:

It builds confidence and self-esteem, enabling them to lead with authority. It provides decision-making power, allowing them to shape their futures. It fosters gender equality by reducing economic dependency and promoting equal participation in society. Moreover, financially independent women contribute significantly to economic growth. They create employment

opportunities, support local economies, and drive innovation across industries.

Entrepreneurship as a Path to Financial Freedom

Entrepreneurship has emerged as one of the most effective routes to financial independence. With digital advancements and global connectivity, women can launch and scale businesses from anywhere in the world.

From e-commerce and consulting to digital marketing and technology startups, women are entering diverse industries and achieving remarkable success. Online platforms have made it easier than ever to reach customers, reduce operational costs, and expand globally.

By leveraging their skills and expertise, women entrepreneurs can build sustainable ventures that generate long-term wealth and stability.

The Role of Financial Literacy

Financial literacy is essential for achieving and maintaining independence. Understanding budgeting,

saving, investing, and financial planning empowers women to manage their resources effectively.

Women entrepreneurs should focus on:

• Managing cash flow efficiently

• Setting clear financial goals

• Investing in business growth

• Planning for retirement and long-term security

With strong financial knowledge, women can make informed decisions that ensure the sustainability and success of their ventures.

Overcoming Challenges

Despite progress, women entrepreneurs still face challenges such as limited access to funding, societal biases, and lack of mentorship. However, these barriers can be overcome through resilience, education, and networking.

Support systems such as women-led business communities, mentorship programs, and government initiatives are playing a crucial role in empowering female entrepreneurs. By embracing these resources, women can navigate

obstacles and achieve their financial goals.

Creating a Legacy of Empowerment

Financial independence extends beyond personal success—it creates a ripple effect. When women achieve economic stability, they invest in their families, communities, and future generations.

Financially empowered women:

• Support education and innovation

• Mentor aspiring entrepreneurs

• Contribute to social and economic development

• Inspire other women to pursue their dreams Their success stories encourage more women to

step into leadership roles and build impactful businesses.

Conclusion

In 2026, financial independence is not just a goal—it is a necessity for women entrepreneurs seeking growth, stability, and empowerment. By embracing entrepreneurship, enhancing financial literacy, and overcoming challenges, women can create lasting impact and secure futures.

Financial independence provides freedom, confidence, and opportunity. It enables women to lead with purpose, innovate with courage, and inspire generations to come.

The Legendary Key Largo Chamber of Commerce and Visitor Center

SOURCE: Powerful Business Women Inc.

June Members in Motion!

Our June Members in Motion networking event at Skippers Dockside was another memorable evening, welcoming nearly 60 members and guests. Attendees enjoyed Skippers' signature hospitality while sampling delicious conch fritters, smoked fish dip, and a refreshing rum punch. More than just networking, Members in Motion events foster meaningful connections and lasting friendships among our business community.

Thursday, July 2

Saturday, July 4

Thursday, July 9

Fri-Sat, July 10-11

Monday, July 13

Wednesday, July 15

Saturday, July 18

Wednesday, July 22

Thursday, July 23

July Events

CLICK HERE FOR ALL OUR UP-TO-DATE EVENTS ON OUR WEBSITE

MarrVelous Pet Rescue Yappy Hour

Celebrating Freedom! Key Largo Chamber Parade, Picnic & Fireworks!

Watch the KL Fireworks with Mote Marine Laboratory

Chamber Social Networking Lunch at Playa Largo with Mayor Michelle Lincoln

CrabCon 2026 Watch Party – Florida Keys Edition

Florida Keys Trivia at Florida Keys Brewing Company

July Immerse Yourself at History of Diving Museum Upper Keys BPW Luncheon

Women's Dive Day Guided Tours at History of Diving Museum

The A. I. Advantage Workshop

Chamber Members in Motion at Houston Insurance Agency

Power Outage Preparation:

Register for SmartHub

If you’re not already using FKEC’s online account management tool sign up today! SmartHub lets you pay your bill, track energy use, and receive important updates—especially during a storm.

Keep Your Contact Info Updated

Make sure FKEC has your current phone numbers. When you call to report an outage, our system matches your number to your account— helping expedite restoration. Update all info via SmartHub or call 305-852-2431.

2 3 1

Enroll in FKEC Outage Texting

Report outages and get real-time restoration updates by text. Simply log in to SmartHub and go to:

→ Settings

→ Manage Notifications

→ Services

→ Outage Texting

Ensure 24-Hour Meter Access

Keep your meter clear of plants and debris. If it’s behind a locked gate, provide FKEC with a key or access code. Info is kept secure and only used when needed. Blocked access can delay power restoration.

If Your Power Goes Out:

Check Breakers First

If your power goes out, check your breaker before reporting the outage. About 33% of outages are caused by tripped breakers.

Report Outages Quickly

Call 305-852-2431 and use the automated phone system; If your mobile number is enrolled, simply text “out” to 1-855-940-4007; Report through SmartHub. With our Advanced Meter System it is likely our system will know about your outage before you even report it.

Check Our Live Outage Map

View the location and restoration status of outages at www.FKEC.com

Safety First

Stay away from downed lines. Call 911 if there’s immediate danger, then report the line to FKEC at 305-852-2431.

Home Surge Protection

Surge protection installed at your meter safeguards your home or business’s electrical system, appliances and electronics at the point of entry.

Portable Generator Connect

GenerLink is a device mounted at your meter that simply and safely connects a portable generator to your home or business.

June Networking Luncheon

For the June luncheon we had a packed house at Bakers Cay Resort! Senator Ana Maria Rodriguez was our speaker, sharing the Legislative Update with us. Attendees were interested and attentive, with lots of good questions and conversation about the state of Florida legislation. We also installed new members and accepted several donations for the 4th of July celebration. Great food, a breathtaking view, networking and camaraderie made this another luncheon for the record books! Thanks to Regan Roth Insurance and Bakers Cay Resort for co-sponsoring this luncheon.

Kara, Michelle, Suzi and Michael.

Charlene, Bonnie and Spenser.

Ana, Roberto, Berta, Senator Rodriguez, Yesenia and Enrique.

Jodie, Christina, JoNell, Sabine and Bradley.

Katie, Jodie, Barbara and Lucas.

Evelyn and Sergio.

Suzi, Michael, Lori and Karinna.

New Member Kim.

Thank you to Regan Roth Lunch Sponsors. Pictured, Suzi, Joe, Sara, Holly, Jennifer and Michael.

New Member Jared.

Erin and Holly.

Suzi, Cassandra, Michael and Robin

New Member Carli.

Michael Ben and Marianne.

Pam, Karen and Brenda.

Your 2026 Chamber Board of Directors

Michael Rojewski 2025 & 2026 Chairman of the Board of Directors

Michael Rojewski Group – Owner

Roberto Alonso (2025 & 2026)

Borland & Associates President

Manuel Alvarez (2026 & 2027)

Verdeja, De Armas & Trujillo CPA

Berta Bravo (2026 & 2027)

SBI Windows & Doors Owner

Spenser Bryan (2025 & 2026)

Monroe County Sheriff’s Office Captain

Melissa Fernandez (2025 & 2026)

All Keys Concrete Communications & Sales

Cathy Gahagen (2026 & 2027)

The Catch Owner

Suzanne Holmquist (2025 & 2026)

Calypso Watersports & Charters Proprietor

Mary Houston (2025 & 2026)

Houston Insurance Agency Owner

Henry Menendez (2026 & 2027)

HNO Productions Owner/Operator

Yesenia Moreno (2026-2027)

New Edge Associates Managing Partner

Heather Turkay (2026 & 2027)

Playa Largo Resort & Spa Area Director of Sales & Marketing

Blaine Vernicek (2025-2026)

The Structure Group Manager

Violet Wahba (2026 & 2027)

Key Lime Products Owner

April's numbers told a strong story for The Florida Keys. Despite national economic headwinds including recordlow consumer sentiment and rising travel costs, our destination continues to outperform, giving partners real momentum to build on heading into the shoulder season.

Hotels Are Thriving

• Occupancy hit 86.2% — up 5.5% over last year

• Average Daily Rate rose to $419.72 (+4.4% YOY)

• RevPAR climbed to $361.89 (+10.2% YOY)

• Total hotel revenue reached $116.4M (+10.2% YOY)

Short-Term Rentals Also Strong

• Vacation rentals are pacing 11.7% ahead for May through September, $20.4M on the books versus $18.3M at the same point last year. Every month is ahead, July strongest at 20.8%.

Visitors Are Flying In

• Key West International processed 92,100 passengers in April (+7.8% YOY)

• Year-to-date throughput up +7.1% — momentum is building

• Top feeder markets: Boston, Philadelphia, Newark, Washington D.C., and Charlotte

Digital Reach Is Surging

• Website sessions topped 574,100 — up an extraordinary +119% YOY

• Users grew +123.5% YOY; page views up +57.8%

• Meta led all traffic sources at 32.8% of visits

The Bigger Picture National inflation rose to a three-year high of 3.8% in April, with gasoline up 28.4% and airfares up 20.7% YOY. Consumer sentiment fell to a record low of 47.6. While headwinds exist, the Keys continue to outperform — making the value story behind Keys Season shoulder season promotion even more important this summer and fall.

Welcome to Keys Season, our new, destination-wide savings initiative designed to drive travel to The Keys during the late summer and early fall season.

By bringing together compelling offers from your hotels, restaurants and attractions, we create a strong, unified reason for visitors to book a trip. This is an excellent opportunity to drive your sales and bookings, we hope you join us.

You set the offer.

We drive the visibility.

• Your offer can be valid anytime between the program dates, which are Aug 1st - Oct 31st

• We’ll promote your offer on our website and in our advertising

Check out these sample offers for ideas:

• Prix-fixe dinners at your restaurant – Talk to Key Largo

Chamber about “Taste the Keys” coming in October! (events@ keylargochamber.org)

• Offers on equipment rentals or charters at your shop

• 4th night free at your hotel or credits for the spa

• BOGOs on your excursions or exhibits (buy one ticket, get one free)

• 2-for-1 savings or offers on your products

Ready to get started?

Send an email to: Christina@fla-keys.com

How the One Big Beautiful Bill Will Impact 2026 Taxes

Understanding the changes in tax laws and how they will impact you can be challenging to navigate. You may have heard discussions about the One Big Beautiful Bill Act last year, but it includes several rules that go into effect for 2026 taxes. Understanding what is ahead helps individuals and business owners plan with confidence. In this article, learn how the changes may affect families, workers, homeowners, students, and taxpayers with side income.

Family and Education

One of the most notable new provisions is the creation of Trump Child Savings Accounts, also referred to as Trump Accounts, Child Savings Accounts, or Child IRA accounts. Beginning in 2026, these accounts will be available for children under age 18, with annual contributions allowed up to $5,000, adjusted for inflation after 2027. Employers may also contribute up to $2,500 per year for an employee or the employee’s dependent, and the account will grow tax-deferred until funds are withdrawn. The law also provides a one-time $1,000 federal

contribution for babies born between 2025 and 2028, as long as the child is a U.S. citizen. These accounts are intended to encourage long-term savings for children and families while creating a new avenue for taxadvantaged planning.

Education-related tax benefits are also changing. Taxpayers claiming the American Opportunity Credit or Lifetime Learning Credit will need a valid Social Security number for work, and the American Opportunity Credit now requires the institution’s Employer Identification Number. In addition, student loan debt canceled due to disability or death may be excluded from gross income.

Care and Health

The Child and Dependent Care Credit is being expanded beginning in 2026. While the percentage of expenses eligible for the credit has increased to 50%, the expense limits remain the same at 50% of $3,000 for one qualifying person or $6,000 for two or more. The phase-down ranges have also been raised, allowing more taxpayers to qualify for a larger benefit before the credit begins to

decrease.

Premium Tax Credit rules are also changing in ways that may affect Marketplace coverage. Starting in 2026, the law expands repayment situations for excess advance premium tax credits and eliminates eligibility for individuals who enroll during a special enrollment period due solely to a change in household income. Additional restrictions begin in later years, including more documentation requirements in 2028.

Home and Vehicle Provisions

For homeowners, the Mortgage Interest Deduction cap remains permanently set at $750,000 for acquisition debt, or $375,000 for married couples filing separately. Mortgage insurance premiums tied to acquisition debt may now be treated as mortgage interest, but

home equity loan interest remains excluded from the definition of qualified residence interest. Another change affects alternative fuel vehicle refueling property. The credit terminates for property placed in service after June 30, 2026, so taxpayers considering this type of improvement should act promptly if they want to take advantage of the current rule.

Reporting and Deduction Changes

Taxpayers who earn income outside of a W-2 job should note the increase in information reporting thresholds. Beginning in 2026, Form 1099-NEC and certain Form 1099MISC payments will be subject to a new $2,000 reporting threshold instead of $600. Although the reporting threshold is changing, taxpayers are still responsible for reporting all taxable income whether or not they receive a form.

Watermelon Arugula Salad with Feta

This watermelon arugula salad is cold, salty, and sweet. Just toss arugula with chilled watermelon, crumbled feta, sliced red onions, and a quick lime vinaigrette. It's the perfect side for grilled meat and fish on a hot summer day, made with fresh arugula, juicy watermelon, crumbled feta, and a tangy lime vinaigrette. Light, sweet, and salty. Ready in 10 minutes with no cooking needed. The colors are beautiful and it screams summer.

INGREDIENTS:

Lime Vinaigrette (makes ¼ cup)

• 3 tablespoons extra-virgin olive oil

• juice of 1 lime

• 1 small minced garlic clove

• 2 teaspoons honey

• ½ teaspoon salt

Salad

• 5 ounce box of fresh arugula

• 6 ounces feta cheese, cubed

• 4 cups diced watermelon

• ¼ cup thinly sliced red onion

• Freshly cracked black pepper

DIRECTIONS:

1. In a medium bowl, whisk together the olive oil, lime juice, garlic, honey, and salt.

2. Dice the watermelon and feta cheese.

3. In a large salad bowl or platter, add the arugula, then top with watermelon, red onion, and feta.

4. Drizzle with dressing. Season with freshly ground black pepper

Source: Cooking in the Keys

The law also changes several deduction rules. High earners will face a cap on itemized deductions, limiting the tax benefit to 35 cents for every $1 deducted. Gambling losses will become less favorable as well, with only 90% of wagering losses deductible, up to the amount of winnings.

How We Can Help

These changes affect a wide range of taxpayers, from

families and students to homeowners, employees, and small business owners. The best approach is to review your tax situation early, understand which rules apply to you, and make adjustments before the 2026 filing season arrives.

Working with a trusted tax professional can help you prepare for these changes and identify opportunities to reduce your tax burden while

staying compliant. We’re here to help the Key Largo community navigate that planning. Contact our office with any questions about 2026 tax law changes and we will gladly assist.

About H&R Block Key Largo

As the only H&R Block franchise in Key Largo, we are dedicated to supporting local businesses with personalized tax planning,

bookkeeping, and strategic financial advice. We are proud Trustee members of the Key Largo Chamber of Commerce and deeply value the opportunity to contribute to the community’s success. For a consultation or to learn more about our services, contact us at 305-451-2562.

Source: Alexis Lamadrid, H&R Block Key Largo

Experts in what we do, bound by a code of ethics

Florida Keys Board of Realtors®