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Economic Development in Oregon’s Mid-Willamette Valley

ENTREPRENEURS Risks, Rewards, Resources

Winter 2019


ADVERTISER INDEX Thank you for your support

Winter 2019 Features 4 Entrepreneurs Seeing – and Seizing – Opportunity

In this Issue 2 3

SEDCOR Board and Staff Entrepreneurship and Innovation President’s Message by Erik Andersson

7

Entrepreneur Profiles

Mount Angel Soda Company • Hopewell Hub • Indy Commons

10 Insights from the Chemeketa Center for Business & Industry Celia Núñez, Small Business Development Center

12 County News YAMHILL - Cannabis, Hemp, Still Face Challenges POLK - Childcare Key for Workforce Development MARION - American System Best for Entrepreneurs

16 Cyber Insurance Concerns to Consider Chris Keefer, Keefer Strategy

18 New Faces

Chemeketa’s New Leader Dr. Jessica Howard • Michael Miller Joins SEDCOR as Marketing / Communications Coordinator

20 New Members A.R.E. Manufacturing • Deacon Construction • GT Landscape Solutions • LivBar • OnlineNW • PNM Construction • Selma Moon Pierce, DDS • Grant Services of Oregon, Inc.

28 Membership Update On the Cover

Hopewell Hub’s Lynn, Juliane and Elizabeth Rothan. Photo by Steve Beckner.

Aldrich Advisors................................................................17 Bank of the Pacific............................................................20 Budget Blinds.....................................................................19 CanStaff Employment Services.....................................18 Chemeketa College............................. Inside Back Cover Cherriots.............................................................................18 Citizens Bank��������������������������������������������������������������������28 City of Monmouth�����������������������������������������������������������21 City of Salem����������������������������������������������������������������������� 7 Coldwell Banker Commercial.........................................13 Comcast Business............................................................... 3 Covanta Marion................................................................20 Datavision...........................................................................21 Dale Carnegie....................................................................24 Dalke Construction Co.��������������������������������������������������25 EnergyTrust of Oregon���������������������������������������������������21 Express Employment Professionals�����������������������������22 Fly Salem............................................................................... 5 Freres Lumber....................................................................11 Grand Hotel in Salem.......................................................26 Green Acres Landscape��������������������������������������������������12 Hi Tek Electronics.............................................................25 Huggins Insurance............................................................14 MAPs Insurance................................................................22 Mt. Angel Festhalle...........................................................18 Multi/Tech Engineering Services..................................10 Oregon Cascade Plumbing & Heating.........................22 Pence Construction.............................Inside Front Cover Personnel Source..............................................................20 PNM Construction...........................................................19 Powell Banz Valuation.....................................................23 Power Fleet Commercial Sales......................................17 Print Specialties������������������������������������������������������������������ 1 Rich Duncan Construction����������������������������Back Cover Salem Convention Center����������������������������������������������27 Salem Electric....................................................................24 Salem Health......................................................................15 Select Impressions�����������������������������������������������������������27 Sherman Sherman Johnnie & Hoyt, LLP��������������������26 SVN Commercial Advisors..............................................15 Thomas Kay Flooring & Interiors..................................28 Ticor Title����������������������������������������������������������������������������� 8 White Oak Construction�������������������������������������������������� 6 Willamette Community Bank........................................23

Mt. Angel Publishing, Inc.

Mt. Angel Publishing is proud to work with SEDCOR to produce Enterprise. To advertise in the next issue, contact Jerry Stevens: 541-944-2820 SEDCOR@mtangelpub.com www.sedcor.com

Enterprise Winter 2019 1


SEDCOR Staff Erik Andersson

Executive Council Chair Daryl Knox

Members at Large Kevin Cameron

Partner, The Aldrich Group, CPA

Marion County Commissioner

Past Chair

Rich Duncan

Mark Hoyt

President, Rich Duncan Construction Inc.

Secretary/Treasurer & Chair Elect

N. Levin Industrial Real Estate

Partner, Sherman Sherman Johnnie & Hoyt, LLP

Michael Fowler

CEO, Cabinet Door Service

President 503-837-1800 eandersson@sedcor.com

Nathan Levin Steve Powers

City Manager, City of Salem

Steve VanArsdale

General Manager, Garmin AT, Inc.

Jenni Kistler Director of Operations 503-588-6225 jkistler@sedcor.com

Board of Directors Curt Arthur

Owner, SVN Commercial Advisors

Ricardo Baez

Diana Knous

Regional Business Manager, Pacific Power

Jennifer Larsen Morrow

President, Don Pancho Authentic Mexican Foods, Inc.

President, Creative Company, Inc.

Chuck Bennett

Owner, Turner Lumber, Inc.

Mayor of Salem

Nick Harville

Rod Lucas

Marion County Business Retention & Expansion Manager

Johnny Mack

503-837-1804

David Briggs

Trial Lawyer, Partner, Saalfeld Griggs PC

Executive Dean of Career and Technical Education Chemeketa Community College

Patricia Callihan-Bowman

Rick Olson

nharville@sedcor.com

Owner/Career Coach Express Employment Professionals

Yamhill County Commissioner

Cathy Clark

Mayor of Keizer

Executive Director Willamette Workforce Partnership

Alex Paraskevas

Alan Costic AIA

James Parr

CFO, Salem Health

Rural Innovation Catalyst

President, AC+Co. Architecture

Brent DeHart

Craig Pope

Polk County Business Retention & Expansion Manager

Life Insurance

Amy Doerfler

Secretary/Treasurer, Doerfler Farms, Inc.

James Dooley

Kim Parker-Lleranas

Polk County Commissioner

Jim Rasmussen President/CEO, Modern Building Systems, Inc.

Mark Raum

503-837-1803 alexp@sedcor.com

President, Larsen Flynn Insurance

VP Commercial Lending, Umpqua Bank

David Frances

Tony Schacher

Abisha Stone

Scott Snyder

Yamhill County Business Retention and Expansion Manager

Chief Credit Officer, Willamette Community Bank

Theresa Haskins

General Manager, Salem Electric

Business Market Manager Portland General Electric

Regional Manager, The Grand Hotel in Salem

Byron Hendricks

Agritourism Manager, Crosby Hop Farm

President, Berkshire Hathaway Home Services Real Estate Professionals

Jenna Steward

Randy Stockdale

George Jennings

Foundation Director, Legacy Silverton Medical Center

Jamie Johnk

CEO, Online NW

Ken Jundt

President, The Ulven Companies

Counsel to the President, Mountain West Investment Corporation

Economic Development Director, City of Woodburn Regional Manager, Columbia Bank

Michael Keane

503-507-4175 astone@sedcor.com

Kathy Tate Dan Ulven

Colm Willis

Marion County Commissioner

Attorney/Shareholder Garrett Hemann Robertson, P.C.

Michael Miller Marketing and Communications Coordinator 503-588-6225 mmiller@sedcor.com

626 High Street NE, Suite 200 • Salem, OR 97301 503-588-6225 • info@sedcor.com • www.sedcor.com

2 Enterprise Winter 2019

Entrepreneurs & Innovation


Entrepreneurship and Innovation Over the past couple of years, SEDCOR has been exploring the role of entrepreneurism in the Mid-Willamette Valley economy. This interest has manifested itself in many forms, from events like the TechStars Start-Up Weekend hosted by Indy Commons and the City of Independence earlier this year to broader, regional initiatives like our Venture Catalyst program. This issue of Enterprise highlights some of the many entrepreneurs who are making a difference in the region SEDCOR recently hosted a panel on Ag innovation at the Oregon Economic Development Association annual conference in Salem. As the panelists spoke about their businesses, it struck me how innovation and entrepreneurship go hand in hand. Northwest Transplants talked of innovation in seedling production and sowing processes, and West Coast Companies highlighted opportunities they see to design equipment to allow local growers and processors to implement those innovations. That ability to see an opportunity in the market and identify a way to meet that need is a gift that entrepreneurs of all shapes and sizes share. Experiencing a taste of the Mid-Willamette Valley entrepreneurial landscape can be as easy as going to your local Roth’s market. The local grocery chain prides itself on supporting products from

Erik Andersson SEDCOR President

the region, and was probably the first place you saw a bag of Kettle Chips on the shelf. And with the holiday season coming up, stocking up on the region’s cheeses, meats, pies, and potent potables is a great – and tasty – way to support our entrepreneurial landscape. There are other ways to support the region’s entrepreneurs. SEDCOR is working with the Oregon Entrepreneurs Network and the Oregon Technology Business Center to create the Mid-Valley Angel Fund. Teaming up with our region’s Venture Catalyst, Mike White, we will support the development of a small fund targeting early-stage companies to compete for an investment award while receiving valuable coaching from angel investors and successful entrepreneurs. These types of programs have seen success in other parts of the state, and we believe the time is right to test the waters in Marion, Polk and Yamhill counties. Expect to see more information and activity on the Mid-Valley Angel Fund early in 2020.

— Erik

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Enterprise Winter 2019 3


ENTREPRENEURS SEEING – AND SEIZING –

OPPORTUNITY

A definition: An entrepreneur is a person who organizes a venture to benefit from an opportunity, rather than working as an employee. Entrepreneurs play a key role in any economy. These are the people who have the skills and initiative necessary to anticipate current and future needs and bring good new ideas to market. By James Day Entrepreneurship is alive and well in the mid-valley. The examples abound. Consider Mount Angel Soda Company, the Salem-based maker of handcrafted sodas. The company, which consists of four members of the Hadley family, bought out the Mount Angel Brewing Company last year. Set up in the 45th Parallel Building on Hyacinth Street Northeast, the Hadleys currently serve up soda for the Portland metropolitan area and the greater Willamette Valley with plans to expand to all of Oregon and Southwest Washington. Consider the Hopewell Hub, an eclectic studio, gallery and general store opened by three sisters in “downtown Hopewell,” a small town in Yamhill County. Three Rothan sisters took over the old Hopewell Store on July 4, 2018 – talk about a fortuitous opening day for independent entrepreneurs – and they sell everything from paintings and jewelry to truffle salt and biodegradable soap. They plan to add coffee, pastries, sandwiches and jerky. Consider Oregon CBD. The Polk County concern is leading the way in producing high-quality hemp seed that can be used for a wide range of products. Started in 2015 and led by Seth Crawford, a cannabis expert and former Oregon State University sociology professor, and brother Eric Crawford, an OSU horticulture grad and former owner of a landscaping firm, things are going so well that the company recently donated $1 million to OSU’s new hemp innovation center. Families working together on a dream project. Innovators helping innovators. That’s what entrepreneurship is all about. But there is more to the story. Just like the 45th Parallel Building has to have a sound foundation to remain viable, entrepreneurs throughout Marion, Polk and Yamhill counties benefit from a wide range on programs aimed at keeping the innovation fires burning. Mentors. Grant funding. Angel investing. Collaborations and workshops. The Rothan sisters and the Hadleys both noted assistance

4 Enterprise Winter 2019

from SEDCOR and the Salem branch of the SCORE business resource and mentoring program. “We have made exhaustive use of agencies such as SEDCOR and SCORE,” said Sam Hadley of Mount Angel Soda. “Their services have been invaluable.” Other key groups providing assistance are:

Oregon Entrepreneurs Network “OEN has a 28-year track record of helping entrepreneurs start-up and scale their businesses by connecting them to peers and mentors, start-up funding opportunities, and hands-on training,” said Mike White, the Mid-Valley venture catalyst with OEN. “We are Oregon’s only organization that supports scalable start-ups from every industry across the state. I wear multiple hats as I’m trying to build a healthy entrepreneurial ecosystem and catalyze start-ups through various activities.” Among those activities are pub talks, which White said “are networking events with guest panelists from different industries,” and start-up weekends that are designed to “catalyze new businesses.” In recent pub talks and workshops topics discussed include hemp and CBD, crowdfunding and “how to start your startup.” In addition, OEN also gave out its 26th annual statewide Tom Holce Entrepreneurship awards in October. Included among the honors was a Game/Changer award, an Entrepreneurial Achievement award and awards that honor companies in the bootstrap, early, development and growth stages. That’s the good news. There are also challenges for mid-valley entrepreneurs and those who work with and support them. “We currently have a fragmented entrepreneurial ecosystem in the Mid-Valley where there are a few problems,” White said “First, entrepreneurs don’t know where all the resources are. Second, economic development organizations have a hard time allocating resources to entrepreneurs, And third, there are a lack of resources overall … entrepreneurs are all over the place

Entrepreneurs & Innovation


Left: Alex Paraskevas, SEDCOR’s specialist in regional innovation, pitches an idea at a workshop. Right: Indy Commons, an Independence incubator hub.

starting their business projects. “Some of the challenges that entrepreneurs face include access to early stage capital, mentoring/coaching, and workspace. Other factors include how to do the small things like filing your business with the Secretary of State, what licensing is needed, financial planning and/or overall business planning and where to go to get help.”

Launch Mid-Valley SEDCOR’s Launch Mid-Valley program is described by Alex Paraskevas, who specializes in regional innovation, as a “collaborative effort amongst economic development folks in the region to promote entrepreneurship in our region. Functionally, this means creating a website with resources

listings, cross-promoting events and workshops in the area.” Launch mid valley’s first big initiative was recruiting participants from our region for the Virtual Incubation Program (VIP) put on by Oregon Technical Business Center (OTBC). “I think the state of entrepreneurship in the valley is promising,” Paraskevas said. ”A lot of resources exist in this area, and it’s a matter of making sure people know who and what those resources are. I think on top of that we’re in the earlier stages of building an ecosystem and a network of people and businesses.” Launch Mid-Valley also has launched the Mid-Valley Angel Fund. The fund is recruiting new investors to raise money to invest in businesses in the region. The first organizational workshop for the program was held Nov. 19. Continued next page

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Enterprise Winter 2019 5


ENTREPRENEURS continued from page 5

45th Parallel in Salem, left, and Indy Commons in Independence, right, both house businesses needing a business launch pad.

Yamhill, Polk

SEDCOR’s Paraskevas praised the work of the Indy Commons

Yamhill County has set up an economic development program that “supports innovation and sustainable growth through strategic investments and partnerships in economic development initiatives and projects that create or retain jobs, generate increased economic activity and improve the economic and social livability and vitality of local communities.” The program includes small grants up to $10,000, start-up grants up to $25,000 and a strategic investment fund that can deliver amounts up to $100,000. Yamhill County grants and special projects manager Carrie Martin said the program “has existed in the form of grants to local businesses and organizations for a number of years.” Martin added that changes were made for fiscal year 2019 “as a result of collaboration between Abisha Stone (SEDCOR’s Yamhill business retention manager) and county staff to update the program and align it with county economic development priorities.” Funds for the program come from the Oregon Lottery.

group in Independence, led by Kate Schwarzler. Independence received a rural opportunities initiative grant from Business Oregon and Schwarzler was chosen to execute it. The goal, Paraskevas said, is “to help communities further their offerings … and ecosystem building.” Indy Commons is a work space owned by Schwarzler on South Main Street in Independence. Members share space and resources, including individual and group workspace, highspeed internet, printers, a conference room, and informal meeting areas. Indy Commons also hosts educational opportunities and networking events. Independence also features a thriving Meetup group, with connections to more than 100 groups, from writers and artists and singers to real estate investors, home buyers … and entrepreneurs.

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Entrepreneurs & Innovation


Entrepreneur Profile

 In 2018 the Hadley family bought out Mount Angel Brewing Company and rebranded as Mount Angel Soda Company. It is run by Sam Hadley, mixmaster and lead product developer, Sarah Hadley head of business operations, Solie Hadley, in charge of product development and production, and Staley Hadley, who partners with Sarah in marketing, sales, and product production. Family-owned and operated in the truest sense, together they produce small batch handcrafted sodas. Mt. Angel Soda Company is located in Salem, Oregon inside The 45th Parallel Building. They currently serve the Portland Metro and greater Willamette Valley area and plan to expand to all of Oregon and SW Washington. What challenges do you face introducing a new product or idea to the market? Balancing the time and skill it takes to create a craft product with the timelines and demands of consumers. We live in Amazon’s world now, and people have become accustomed to getting everything quickly. We seek to serve those who appreciate the finer things in life and have a desire to be a part of something rather than simply consuming something. Consultants have pushed us to “think big” and “plan to scale” but our model doesn’t fit that drive. Our model is to personally create great things worth waiting for. What adaptations have you had to make? Owning a soda company was not in our 10-year plan. We had no experience in the soda business but knew with what each of us brings to the table, we would be successful.

Solie, Staley, Sarah and Sam Hadley.

As true and romantic as that sounds, banks wouldn’t buy-in. We have had no financial backing and have had to get quite creative as we revitalize and rebrand an existing company while facing required equipment upgrades. In addition to the nuts and bolts aspect of the business, the four of us have had to learn how to be business partners. Figuring out dollars and cents is easy compared to learning out how to bring all of our ideas and needs to the table, have them be heard, and come to a compromise. What resources have been helpful in pursuing a new business initiative? We have made exhaustive use of agencies such as SEDCOR and SCORE. Their services and mentorship have been invaluable. We have also had the mentorship of Larry Oien, the previous owner, as we moved and resettled the shop. Any advice for future entrepreneurs? Your business has to be yours — even when you take an existing business over — you have to make it yours. It is a commitment of time, effort, and money but absolutely worth it, if you are willing to do it your way.

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Enterprise Winter 2019 7


Entrepreneur Profile 

Hopewell Hub Hopewell Hub came into being when Elizabeth (the youngest sister of the three Rothans) decided to buy the old Hopewell Store. She was inspired to provide a store front for Lynn’s artwork (the second sister) and a home for all three. She began refurbishing the store – which had been abandoned for over 10 years - immediately. Her activity generated a great deal of curiosity and interest. Folks showed up to talk, see what was happening, and help. They wanted to know what she was going to do with the store and shared their hopes of what it would be. This is how the “Hub” was born – a marrying of the original vision Lizzie had of a gallery space for Lynn’s art, the hopes and wishes of the community, and the passion the family has for food, nutrition, education and the earth.

Lynn, Juliane and Elizabeth Rothan recreated Hopewell’s “Hub”.

The three sisters moved to Hopewell on July 4, 2018 with the help of both brothers and their dad and began the work of making the store a viable marketplace and community hub.

Offering local, quality products at a fair price is a challenge in an economic environment that is flooded with cheap products made in other countries and made up of families struggling to make ends meet. We want everyone to know that we all benefit in so many ways when consumers buy local, high quality products.

The Hopewell Hub (www.hopewellhub.com) Studio, Gallery and General Store is operated by the sisters and is open every week – Thursday to Sunday from 10 a.m.– 5 p.m.

What resources have been helpful in pursuing new initiatives?

They sell Lynn’s paintings; clay beads, buttons and jewelry; pottery; sculpture; etc; Ann Rothan’s (mom’s) card and posters; Juliane’s beewraps; and some select mercantile items such as Dad’s favorite supplements, local truffle salt and eggs, their favorite biodegradable soap, etc. They will soon be offering good coffee, pastries, sandwiches and jerky. They will also be hosting holiday events for families each weekend in December (see the ‘Community Hub’ page on their website.) The Hopewell Hub is located at 22460 Hopewell Rd. NW. in “downtown” Hopewell!

There are so many. We have had the help of SCORE mentor, Nick Studer, and Abisha Stone and Mike White at SEDCOR with all the nuts and bolts of starting our business and our business plan. The Hopewell community members have been most supportive and generous in sharing their experience and understanding of, skills in and the pure muscle needed for repairing and developing the store and land and working with county. We have also made a point of using all the resources that came with the property – for example utilizing and repurposing old equipment as much as possible and selling a black walnut tree that needed to be cut down to gain revenue.

What challenges do you face introducing a new idea to the market?

Anything you would like to share with future entrepreneurs?

The Hopewell Store has been around since 1890. Our challenge is that we are not The Hopewell Store of the past. Folks walk in wanting to buy beer and Cheetos as they used to be able to do at the store. Even so, while we don’t fit their concept of what the Hopewell Store used to be, the community in general is intrigued with and supportive of what we are doing.

A question we are working with that can be shared with other entrepreneurs is how do we create a successful venture that emphasizes more traditional values – local products, high value to the community – low impact on the environment? Given the current social, political, economic, environmental conditions, we feel these are important considerations. We feel strongly that business today should be guided by such values.

What are the challenges in the current business cycle?

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Entrepreneurs & Innovation




Entrepreneur Profile

Many businesses are represented by the membership of Indy Commons.

consistency and time to build a great community of members and partners within the community. Taking the time to build a solid foundation has helped tremendously with stabilizing the business and positioning for new opportunities. What are the challenges in the current business cycle?

Founded in April 2017 by Kate Schwarzler, Indy Commons is a coworking community that provides affordable workspace options, the flexibility of a short-term lease, and a place to work, collaborate, and connect with other professionals. Members keep costs down by sharing space and resources, including individual and group workspace, high-speed internet, printers, a conference room, and informal meeting areas. Three different membership plans offer varied size and style workspace, whether it’s a permanent place to work every day, or just occasional use. Located in the heart of historic downtown Independence on Main Street, members come from Independence, Monmouth, West Salem and South Salem. What are the challenges you face introducing a new product or idea to the market? In a smaller community the challenge was introducing the concept and benefits of having a shared workspace. It took a while for the idea to catch on and for people to realize this resource was here and that it’s more than just a desk to work at. Indy Commons also offers access to educational opportunities and networking events to help entrepreneurs start and grow their business. It has taken

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The biggest challenge is trying to keep a half a step ahead of everything that needs to be done! As a small business, it’s a constant struggle to put systems in place that allow for limited resources to be maximized. Like many entrepreneurs, I’ve had to find ways to move forward using the best information at hand, which often feels like a “best guess”. Having a continuous cycle of evaluation and the ability to quickly adapt have been essential. Knowing what my assumptions are, testing them along the way, and then keeping track of data have allowed me to make smart decisions more quickly. Also getting comfortable with having to just take that first step and not wait for the perfect conditions has been a great skill to develop. What are the resources you have found helpful? You never know where a connection will lead you, so I try to thoughtfully network as much as I can. I don’t hesitate to reach out with questions or to ask for input, advice, and recommendations. It’s still important to filter it for your specific situation but connecting with people and building relationships has been essential, very helpful, and has helped me save a lot of time and money. From a technical standpoint, I’ve really appreciated the resources provided by the Office of Small Business Assistance and the Small Business Development Center. Anything to share with future entrepreneurs? Don’t hesitate to reach out and get comfortable asking for help before you actually need it. Be prepared to put in the hard work, be persistent, constantly evaluate where you are at, and be ready to be flexible and adapt.

Enterprise Winter 2019 9


INSIGHTS FROM THE CHEMEKETA CENTER FOR BUSINESS & INDUSTRY

Start Your Business Off On the Right Foot this Year What better time than the beginning of a New Year to look at how your small business performed last year and how you things can improve this year. A thorough assessment of your business will help you gain new awareness and set clear intentions and achievable goals for 2019. The following steps will jump-start your review. Celia Núñez, Director Small Business Development Center Chemeketa Center for Business & Industry

• Revisit your business plan to ensure it is alignment with your current business goals. If you’ve never created a business plan, now is the time to create this critical document. • Conducting a Strengths, Weaknesses, Opportunities, and Threats (SWOT) analysis will help you define your strengths and opportunities so you can determine ways to capitalize on them and identify weaknesses and threats so you can make improvements. • Consider your customers. Do you know who they are and what they need? Put yourself in their shoes to get a clear idea of how you can serve them better by offering them the products and/ or services they want or will want. Remember to include a competitive analysis as you review your business from your customers’ perspective. • Speaking of your customers, is your business customer focused? Don’t forget that your customers are your most valuable asset. Find out if they are happy, why they use your products and services, and what would cause them to take their business elsewhere. • Once you’ve completed your initial review, dig deeper by looking at your marketing, human resources, and financials.

• Reassess your marketing strategy. What worked for you this year? Did you utilize all strategies to include online, social media, strategic affiliations, and in person? Do you have an annual promotions calendar? Tweak your strategy after you identify the tools that helped your business grow and those that didn’t. • Do you and your staff have all the qualifications required to operate your business? Did you set aside time to educate yourself and improve your business skills? Did you incorporate staff training and development? Analyze your strengths and weaknesses as well as those of your staff. Determine what areas you need to concentrate on improving. • Review your cash flow statement to understand the changes in your cash as it flowed into and out of the business over the past year. This is a useful tool to see how you used your cash and how to manage it better to meet your business goals. Also, review your customer base and sources of revenue. Are they stable? At risk? If any one customer represents more than 10 percent of your revenue, it’s time to diversify. A business review takes time and the information gained can sometimes be overwhelming. Take advantage of sources of assistance as you move forward. Your Small Business Development Center (SBDC) is available for support as are other organizations like SCORE and MERIT. Joining a Business Mastermind group is also an excellent way of getting support from other business owners.

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Entrepreneurs & Innovation


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COUNTY NEWS

Cannabis, Hemp Entrepreneurs Still Face Challenges By Yamhill County Commissioner Casey Kulla

One of my favorite poets, Lucille Clifton, ends her poem “questions and answers” by writing, “you are like me, like him perhaps, certain only that the surest failure is the un-attempted walk.” Every entrepreneur understands the meaning: taking a risk might end in failure, but not taking the risk guarantees you will fail. In the last four years, Oregon legislators, regulators, and entrepreneurs have had the opportunity to take a risk and begin two new industries centered around one plant: Cannabis. In fact, in a “worlds collide” moment, the October issues of Oregon Leaf (a B2B “weed” publication) and Oregon’s Agricultural Progress feature hemp. In 2016, the Oregon Liquor Control Commission implemented the will of Oregon voters by drafting rules, licensing, and tracking THC-based Cannabis. In October 2016, OLCC-licensed recreational stores opened their doors to sell Cannabis that remains federally illegal. By 2020, annual retail sales of statelegal, Oregon-grown, in-state-sold THC-based-Cannabis are expected to top $1 billion, and Oregon will collect an additional $200 million in sales tax. Cannabis has also created a second new industry in Oregon focused on cannabidiol-rich (CBD) industrial hemp and overseen by the Oregon Department of Agriculture. Farmers in Oregon grew 63,000 acres of very-low-THC cannabis in 2019 (compared to 105 acres in 2015’s

pilot program), and hemp is expected pass $1 billion in farm gate value, taking second place for top Oregon agricultural commodities. The 2018 Farm Bill legalized the growing and sale of industrial hemp, while the Food and Drug Administration is in rulemaking for extracted CBD (which is a global commodity). As a Yamhill County commissioner and one of the first OLCClicensed farmers, I have seen what it takes for a Cannabis entrepreneur to succeed. We already have the market demand. We still need: (1) regulators who want businesses to succeed within the rules, and who will listen; (2) land use planners who welcome Cannabis businesses into the land use system; (3) elected officials whose policies recognize cannabis as a business bringing innovation and economic activity to Oregon, and; (4) federal regulators to legalize the growing, processing, and banking of Cannabis. As Lucille Clifton would say, we’ve attempted the walk, we’ve taken the risk, and Oregon’s agricultural and economic landscapes are forever altered by Cannabis.

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12 Enterprise Winter 2019

Entrepreneurs & Innovation


COUNTY NEWS

Childcare Key in Workforce Recruitment and Retention By Polk County Commissioner Craig Pope

Among the many

childcare challenges.

policy projects in my

The bad news is, very

portfolio of work is

few businesses are

workforce development

focused on childcare

and education. In that

opportunities as a

realm is participation

pathway to recruitment

with the mid-valley

and retention for a

four county workforce

variety of reasons.

investment board,

Polk County

Willamette Workforce Partnership (WWP). The work that

government,

WWP engages in gives me a background for a better under-

through our Family

standing of need and delivery of workforce resources in our

and Community

region and across the state.

Outreach department,

Among the common topics of discussions and work toward

has undertaken

sustainable solutions in workforce pipeline are K-12 systems

a county-wide

and career, technical education (CTE), programs for under-

community survey to ask what people think about their

served and at-risk youth, incumbent worker or on-the-job

childcare environment and how they would like to see

training (OJT) and displaced adults. They are all very

improvements. We believe it is important to build a data set

necessary and critical topics and very under-funded generally.

that helps us better communicate the need for new alternatives and methodology in childcare as seen from the eyes of

What I can tell you that I have missed in the topic list over my 9 years as a commissioner and workforce board

the community that needs them, as well as the businesses that

member has been childcare impacts on our workforce and

can benefit from improvements to the systems.

businesses. I can also report that this is not because we don’t

You can look forward to hearing more from me in 2020

realize childcare barriers are an issue in our communities or

regarding this work, and get results of our surveys. Please let

that we don’t care about childcare needs. We simply haven’t

me know if you are interested in taking part in the survey or

prioritized the proper study of the problem at a local and state

would like to be engaged in the problem solving groups. Polk County Commissioner Craig Pope can be contacted at

level yet. The good news is, a few of us are starting to see childcare

pope.craig@co.polk.or.us

challenges as a key issue for recruitment and retention in a workforce environment that leaves us with essentially no choice. We are realizing in a significant way that more and more talent is simply choosing to opt-out of work due to

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Enterprise Winter 2019 13


COUNTY NEWS

Entrepreneurs Benefit from the American System By Marion County Commissioner Colm Willis

We are living in a historic time in the United States. The stock market just achieved record highs, unemployment is the lowest it has been in over half a century and wage growth has been on a tear. The median income in the U.S. is now the highest ever recorded. Although the United States constitutes 4% of the world’s population, Americans now possess over 40% of the world’s wealth. And all of this is only possible because of the small business owners and entrepreneurs who power our economy. Unlike the centralized systems in China and much of the world, the American economic system relies on individuals allocating their privately owned resources at the local level. In the United States this means ordinary people are deciding how the wealth of our country is managed and this gives us a competitive advantage. The world is too complicated for any one group of people, no matter how high their test scores, to make central planning decisions for 330 million people spread across a continent. The farmers, loggers, machinists, home builders, mechanics, engineers, and even baristas – whether through necessity or

Reviewing risks and

managing exposure.

opportunity – who work a little bit harder, or a little bit smarter, make the world a little bit better, and make all of us here in America better off. It is more important than ever that our policymakers ensure that in our desire for efficiency and consistency, we don’t crowd out the rough and tumble of entrepreneurship here in the United States. It is more important than ever that we stand up for the small business owners and entrepreneurs and celebrate our capitalist political and economic system that has lifted hundreds of millions of people out of poverty. Commissioner Colm Willis can be reached by calling 503-588-5212 or cwillis@co.marion.or.us.

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14 Enterprise Winter 2019

Entrepreneurs & Innovation


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Enterprise Winter 2019 15


Your Cyber Insurance and You By Chris Keefer coverage to avoid major out-of-pocket losses.

Cybersecurity is a major risk facing businesses today. In addition to preventive measures such as developing and implementing written protocols with regular training, it is important to have adequate cyber insurance in the event of a cyberattack or data breach. While this seems obvious, you may not be certain what cyber policies cover. First-party cyber insurance covers direct damages your business incurs following a cyber event, such as costs of recovering or repairing lost or damaged data, notifying customers, providing credit monitoring, and business income loss. Third-party cyber insurance covers claims and lawsuits brought by third parties (e.g., customers, regulatory bodies, etc.) against your business following an event. Like any insurance policy, a cyber policy will contain a labyrinth of vague and confusing language as well as gaps and exclusions. Below are some items to look for, along with some strategies to help ensure your cyber policy will work for your business when you need it most.

Adequate Limits & Sub-limits According to the 2019 Cost of a Data Breach Report, conducted by the Ponemon Institute and sponsored by IBM Security, the average cost of a data breach in the United States was $8.19 million, or $242 per compromised record. To determine your exposure, audit the number of confidential records and information—including employee files, business-to-business records, and individual customer data—that could potentially be damaged or stolen. Next, go back to the cyber insurance policy and determine whether your policy limit adequately covers this exposure. Keep in mind there may be sub-limits of coverage for things like computer forensics, crisis management and public relations, customer notification, credit monitoring, and other costs. Each could significantly reduce the overall limit, requiring additional

16 Enterprise Winter 2019

Business Interruption Loss of business income due to a cyber event can be a huge component of loss and is often subject to a sub-limit of coverage. As part of your audit, evaluate the level of exposure to business income loss following a cyber event and determine whether this component of coverage is adequate. There will likely be further sub-limits within this business interruption sub-limit, specifically how long you must wait until coverage begins (the “waiting period”) and how long coverage actually lasts (the “restoration period”). You will only be able to recover business income loss within that window, so make sure each is adequate.

Coverage for Fines and Penalties Companies are legally required to comply with data protection and breach notification standards and may be sanctioned for failing to do so. Earlier this year, Equifax agreed to pay at least $575 million in settlement of fines and penalties over its failure to reasonably secure its network. Fines and penalties can result in massive exposure, and a cyber policy may limit or exclude these. Make sure this coverage is in place, in addition to written cyber protocols with regular training to ensure compliance with data protection and notification regulations.

State-sponsored Acts Many cyber insurance policies exclude claims that are based on actions authorized or supported by foreign authorities. Given how broadly many of these exclusions are written, every otherwise covered cyber event alleged to be supported in some way by a foreign government could potentially be excluded. According to a 2018 study by Carbon Black, a global cybersecurity vendor, 41% of its investigations involved

Entrepreneurs & Innovation


events originating in China or Russia, with numerous attacks also coming from Iran, North Korea, Pakistan and Vietnam. An insurer could argue that a cyber event from one of these countries presumptively involves an action supported by a government authority and is therefore excluded from coverage. Using examples like the NotPetya and WannaCry ransomware attacks and Marriott data breach (attributed to Russia, North Korea and China, respectively), ask your insurer whether these scenarios would be covered. If not, consider coverage endorsements—or alternative insurance carriers entirely—to address these massive uncertainties.

Prior Acts Coverage (Retroactive Date) Let’s say you have cyber insurance for policy year January 1, 2019 to January 1, 2020. In October 2019, you receive a call from law enforcement that your systems have been breached. Upon further investigation, you learn the breach resulted from an officer clicking on an e-mail link in December 2018 and giving a password to a hacker claiming to be someone from your IT department. Since that original breach preceded the policy inception, losses may not be covered unless you had “prior acts coverage” with a retroactive date prior to December 2018. As the Capital One cyber event showed, hackers can reside on systems for months if not years, so it is always best to have a retroactive date as far back as commercially feasible.

Overlapping Provisions Certain coverage offered in your stand-alone cyber insurance policy may also be covered in your other policies. For example: business interruption coverage may also exist in your property policy; privacy-based claims may also be covered in your general liability policy; employee negligence in causing a breach may also be covered in your professional liability (E&O) policy; and computer fraud may also be covered under your crime policy. If these overlaps exist, you may discover issues with “other insurance” provisions. Pay close attention. Some insurers will apply insurance excess to the competing policy, some will pay pro rata share, and others may exclude coverage when other insurance exists. This means you could have two insurers pointing fingers at each other while you wait for payment. It is important to clarify with insurers the interplay between policies. Determine whether any (or all) of these issues exist in your cyber policy and then implement strategies around them. It will help you better understand whether that expensive cyber policy will cover your business in the event of an attack or data breach. Being proactive can identify potentially catastrophic areas of cyber exposure which can be mitigated and appropriately transferred to your insurer before they materialize. Chris Keefer is the principal of Keefer Strategy (www.keeferstrategy.com), a Preventive Law practice based in Portland, Oregon.

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503-769-7100 Enterprise Winter 2019 17


New CCC Leader Welcomes Innovation, Community Input In July, Chemeketa Community College welcomed a new president, Dr. Jessica Howard. She has a distinguished background in higher education that

to begin in the very near future. Health science has launched a fully

includes serving as Vice President of Academic Affairs for San

accredited Registered

Antonio College in San Antonio, Texas, and most recently, Campus

Health Information

President at the Southeast Campus of Portland Community

Technician certificate

College. She earned a Doctor of Philosophy in Performance Studies

program as well as

at New York University in New York; a Master and Bachelor

Oregon’s only Anesthesia

of Music in Music Theory, and a Bachelor of Arts in English

Technology program.

from Rice University in Houston, Texas. She also completed an Associate of Arts from San Antonio College in San Antonio, Texas. She pursued her Associate degree AFTER her Doctorate,

Dr. Howard understands the needs of the community are in a

specifically to experience what the modern community college

constant state of change

student goes through. That perspective informs and guides her

and that Chemeketa

vision for serving students and the greater Salem community.

must evolve and grow

It is not uncommon to see her roaming the halls of Chemeketa,

to remain relevant. She

Dr. Jessica Howard

meeting students, and learning more about their hopes. She

is an innovative leader

is a hands-on president who firmly believes in the value of

who welcomes ideas from stakeholders: students, employees,

community connection with higher education. She collaborates

community members, business and industry.

with local leaders in business and industry to ensure that the programs offered by Chemeketa meet the employer and workforce needs of the region and that Chemeketa graduates are well-prepared for careers in many different, in-demand fields. Under Dr. Howard’s leadership, a new commercial truck driving program has been introduced with the first cohort ready

Light Industrial Administrative/Clerical u Medical/Caregiving u Food Production u Skilled Labor u CDL Drivers

Community colleges are bridges to opportunity and engines for workforce and economic development. Chemeketa is an outstanding example, because its connections to the people and institutions of Marion, Polk, and Yamhill counties are proactive, deep, and strong, she said. “It is an honor to lead this institution and be part of this wonderful community.”

u u

A BETTER CHERRIOTS

Contact Ron Freeman 503-856-9596, or E-mail: ron@canstaff.net

Enhanced bus service is here! Cherriots is now providing service

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Better access to the community makes for a better local economy. Reserve the Mt. Angel Festhalle for your upcoming event! Great for Non-profit fundraisers, Business events, Weddings & Quinceaneras.

971-808-3378 or oktoberfest.org 18 Enterprise Winter 2019

Learn more about how we are making Cherriots better for everyone at

Cherriots.org/better

Entrepreneurs & Innovation


Michael D. Miller Becomes SEDCOR’s Marketing/Communications Coordinator This December, SEDCOR hired Michael Miller as its Marketing and Communications Coordinator. “I am incredibly excited,” Millers said. “To be able to tell SEDCOR’s story, plus share and celebrate all of the amazing things happening of our region is a huge honor.” Michael has spent the last 10 years as a Michael Miller with Juniper marketing professional in Salem, directing marketing and media at Courthouse Club Fitness as well as co-owning the marketing and messaging consultancy Simplify Or Die. Michael grew up in Keizer and earned his degree in Creative Writing from Seattle Pacific University. He lives in Salem’s Grant neighborhood with his wife Ari and one-year-old daughter Juniper.

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Enterprise Winter 2019 19


NEW MEMBERS

A.R.E. Manufacturing is a family-owned contract machine shop specializing in the manufacture of machined components using high precision CNC equipment. We assist customers with the manufacturing of innovative, costeffective components and assemblies that bring their ideas to life. We manufacture the future. Over the last 40 years, we have gained extensive experience in the high-tech automation, dental, marine, recreational and hydraulic industries. Manufacturing the future takes more than a good idea. Without skilled employees our customers will never see their ideas come to life. To this end, we have developed an extensive in-house training program and participate in local internship programs. Getting youth interested in machining is a big deal to us. In 2017 we took the intern idea one step further by spearheading the founding of Tiger Manufacturing, a for-profit, student-run, contract machine shop. Our hope is that Tiger Manufacturing creates a pipeline of skilled employees, all with enthusiasm for machining.

Deacon Construction is a full service general contractor dedicated to providing clients with a product built in an atmosphere of honesty, respect and open communication. For nearly 40 years, we have specialized in construction of retail centers, multifamily housing, mixed-use buildings, hotels, restaurants and entertainment facilities, as well as healthcare and office buildings. Through our dedication to surpassing client expectations, ability to handle diverse and difficult projects, financial strength and competitive pricing, Deacon has emerged an industry leader throughout the Western United States. For more information, visit www.deacon.com.

Welcome to a Sustainable Future Owned and operated by Covanta, the Marion Facility converts 550 tons of trash per day into 13.1 megawatts of clean, renewable electricity that can power approximately 7,545 homes.

LOOKING FOR EMPLOYEES? We hire general labor, admin. professionals, accounting, IT and more.

Covanta works with companies and communities to find sustainable solutions to their waste management challenges. With a global network of Energy-from-Waste and material processing facilities, Covanta is preserving valuable natural resources and generating clean energy for our client communities and the world we live in. At Covanta, we ensure that no waste is ever wasted.

We can help. Contact us today! Melody Garcia salem@work4psi.com 503-485-2175 www.work4psi.com

20 Enterprise Winter 2019

Call for your tour today.

Covanta Marion Inc. 4850 Brooklake Rd NE Brooks, OR 97305 503-393-0890 www.covanta.com

Entrepreneurs & Innovation


Home of Western Oregon University Low Cost Power; Gig Speed Internet Great Small Town Life

www.ci.monmouth.or.us

Phone: 503-838-0722

Why do businesses in Hubbard, Woodburn, Gervais, Brooks, and Salem all choose DataVision? Do business better with DataVision Internet Your business moves quickly—you don’t have time for a slow connection. Find out why businesses around the area rely on DataVision for internet, video, and telephone services.

ENERGY COSTS TOO HIGH? TRY LOOKING AT IT IN A DIFFERENT LIGHT. Want to lower your energy costs? When you update lighting and other equipment, you can see the difference instantly and recoup your investment in no time. Talk to a qualified trade ally to learn about Energy Trust of Oregon cash incentives for all kinds of energy-saving solutions.

+

Get more from your energy. Visit www.energytrust.org/mybusiness or call us at 1.866.368.7878. Serving customers of Portland General Electric, Pacific Power, NW Natural, Cascade Natural Gas and Avista.

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www.sedcor.com

Enterprise Winter 2019 21


NEW MEMBERS

GT Landscape Solutions provides a full range of landscaping services to commercial and residential customers in the Pacific Northwest. From full landscape installations to maintenance service contracts, our team of highly trained experts specialize in commercial landscape maintenance and installation. GT Landscape Solutions is a rare contractor that can handle any exterior site project. We offer the traditional landscape services: irrigation, drainage, walls, pavers and planting. We also offer storm, sewer and concrete services. All this makes GTLS a one-stop shop. Scott Friedman, founder, has been in the landscape industry for over 20 years. GT Landscape Solutions partners with commercial property owners and professionals seeking trusted experts and superior craftsmanship. For more information, visit www.gt-landscapesolutions.com

LivBar was founded in 2012 in Salem by two nutrition and fitness experts, Jan and Gabe Johansen. Jan was challenged to find any truly healthy energy bars she could recommend to her clients, so she created the LivBar recipes. Over the past seven years, the bars have continued to take off as one of the only baked, all organic bars in a compostable wrapper in the nation. In 2018, LivBar brought on a new CEO and raised a Series A investment round to take the bars national. LivBars are still made in Salem and are now nationally distributed by UNFI, KeHe, and McLane, and sold in retailers in more than 30 states, including Whole Foods, Roth’s Fresh Markets, Erewhon, New Seasons Market, and Market of Choice. For more information contact Stephanie Simpson, LivBar Marketing and Sales Coordinator, stephanie@livbar.com or 971-200-5257.

COMMERCIAL DIVISION

INSURANCE

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Insurance and Risk Management Solutions • General, Professional, and Management Liability • Contractors and Performance Bonds • Workers Compensation…and More Meet our commercial division. With over 100 years of combined experience meeting the insurance needs of the Salem community.

mapsinsurance.com commercial@mapsinsurance.com 22 Enterprise Winter 2019

Entrepreneurs & Innovation


Com merci a l R e a l Estate A ppr a isa ls. A c c u r ac y, Del i v e r e d on T i m e.

Risk and return. The stakes are always high in real estate investments. Powell Banz Valuation has in-depth knowledge of real estate valuation methods, especially when it comes to complex properties. We perform appraisal services for financing, acquisition/disposition, litigation, year-end and estate planning. We serve clients in all counties of Oregon and Washington. Appraisals for: Condemnation, Land, New Construction, Multi-Family, Mixed Use, Industrial, Hospitality, Commercial, Agricultural

Feasibility/Impact Studies, Market Rent Studies, Highest & Best Use Analysis, Expert Witness Testimony

Katherine Powell Banz, MAI

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Mid-Valley Commercial Construction, Inc. Salem, OR

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Enterprise Winter 2019 23


NEW MEMBERS

OnlineNW started in McMinnville in 1997 as a dialup provider. In 2014, we completed construction on the first 10 gig fiber network on the West Coast. We recognize the need for high-speed services in rural small towns and communities, and know that we are uniquely positioned to meet those needs. Today, OnlineNW is the largest local provider of Internet, voice services, wireless and custom network solutions for residential and business customers throughout the greater Willamette Valley. Simply put, our story is this – OnlineNW delivers state-ofthe-art communications services via our high speed fiber and wireless networks. We have a passion for innovative solutions and a commitment to outstanding customer and community support. We strive to provide the best for our clients. This culture of shared commitment to outstanding client service is our greatest asset. We understand the value in work/life balance and are committed to providing our people the opportunities to develop autonomy, mastery and purpose.

PNM Construction, formerly known as CB Two Construction, is a Salem-based general contractor specializing in commercial, multi-family and senior housing projects. Established in 2007, PNM Construction has placed a renewed emphasis on the Salem and surrounding markets. Recent local projects include: The Court Yard apartments in downtown Salem, the retail shell construction of 231 Court St, and a physical therapy performance clinic for NWRA in West Salem. Client-focused results, shared success, and proactive solutions are what drive PNM Construction. This translates into satisfied clients, as evident by the number of repeat customers. In a construction environment that is increasingly technical and facing labor shortages, PNM Construction’s experience, qualifications, and relationships can make all the difference. PNM Construction’s mission is to build great buildings with integrity, uniqueness, transparency and efficiency.

Take Command. At Dale Carnegie, we help people take command of their work and transform their lives. Whether they’re starting out or stepping up, we sharpen their inner voice so they can use it with confidence to get the most out of their life and their work. Our programs show people how to communicate in a way that draws others in so they can form closer, more rewarding relationships in their personal and professional lives.

oregon.dalecarnegie.com

Mike Stack Mike.Stack@dalecarnegie.com

MORE

THAN INCENTIVES. RESULTS. As a business owner, it’s nice to know your electric cooperative is there to provide incentives that contribute to the success of your business. Contact Salem Electric to learn more.

We are public power. We are MORE POWERFUL TOGETHER.

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24 Enterprise Winter 2019

Entrepreneurs & Innovation


Having trouble finding good, reliable employees to assemble your products? Let our experienced and knowledgeable staff help build your products. Contact us today for an estimate before you can’t fulfill another customer order. www.hitekquality.com

HiTekSales@HiTekQuality.com • 503-364-9257 3915 Fairview Industrial Dr., Suite 150 Salem, OR 97302

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concrete • excavation • carpentry | CCB #63080 www.sedcor.com

|

www.dalkeconstruction.com Enterprise Winter 2019 25


NEW MEMBERS

Selma Moon Pierce, DDS Selma Moon Pierce, DDS, is a general dentist who has been in Oregon for over 25 years. She works to raise the public’s level of general dental health. She has worked extensively with the Salem-Keizer Public Schools and the Assistance League of Salem-Keizer on their dental screening and treatment programs to alleviate dental pain among students. She was instrumental in the establishment of the Oregon Tech Dental Hygiene Program at Chemeketa. She has served as a volunteer dentist with Medical Teams International in treating patients who lacked dental services. She coordinated and ran the Marion-Polk Dental Day and Mission of Mercy Free Dental Clinics at Chemeketa Community College.

Grant Services of Oregon, Inc. creates funding plans for non-profit organizations and has secured millions of dollars for clients. G$O specializes in program/project development, identifying funding sources, budget analysis, grant writing, grant administration, strategic planning and strengthening organizational structures. G$O also coaches and mentors Boards, Executive Directors, staff and volunteers. Grant Services of Oregon, Inc. positions clients to be as attractive to funders as possible.

Being community-minded, Selma serves on the Chemeketa Foundation and the Inspire Foundation Board of Directors and as an OHSU Foundation Trustee. She also volunteers with Oregon Community Foundation, Marion Polk Dental Society, Community Homeless Connect and as a tutor at North Salem High School.

Solving Problems Expanding Opportunities Managing Risks

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Our team has the ability to lend expertise to almost any legal situation, whether your needs are personal or professional.

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Perfect for corporate lunches, dinner meetings, receptions and celebrations.

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host plan meet here Call 503.589.1700 SalemConventionCenter.org

Central to Salem and Oregon for seminars or training sessions, company parties or retreats, fundraisers or gala celebrations. The right choice for groups from 15 to 1500. An easy walk to downtown. Free parking. Outstanding Northwest cuisine and “no hiccups� attention to detail. Chosen best venue in Oregon for three years!

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Enterprise Winter 2019 27


MEMBERSHIP UPDATE Welcome New Members

Membership Update

• A.R.E. Manufacturing

Our team is always looking for better ways to serve our members. We’ve been working on a simpler, more streamlined way to recruit, add, and renew memberships to our organization. So, this year will be transitioning to a single, yearly rotation centered on an annual membership drive happening from July through September.

• Deacon Construction • GT Landscape Solutions • LivBar • OnlineNW • PNM Construction • Selma Moon Pierce, DDS • Grant Services of Oregon, Inc.

To be included in the 2021 membership directory, you’ll need to have your membership renewed by September 30th, 2020. Also, if your memberships expires

between now and July 1st, 2021 you will pay a prorated amount to maintain the same yearly cost. Member rates will not increase during this transition. Thank you for being a member of SEDCOR and supporting all the work we do developing and celebrating the Mid-Willamette Valley. Questions about your organization’s membership or our new membership rotation? Contact Jenni Kistler at jkistler@sedcor.com.

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FDIC

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28 Enterprise Winter 2019

Derik Munns VP & Salem Branch Manager

Entrepreneurs & Innovation


Chemeketa leads the way • Implementing Workforce Development • Filling the need for drivers • Providing essential training

Learn more about Chemeketa’s new truck driving program: go.chemeketa.edu/truckdriving go.chemeketa.edu/truckdriving | EO/AA/ADA/Title IX institution


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CCB #15833

WA #RICHDDC928DE

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Enterprise Magazine Winter 2019