Effective networking is an essential skill for anyone, whether a professional looking to advance their career or a business owner seeking a partner. But how do you transform conversations into lasting connections?
Having spent years building relationships across diverse industries, I’ve witnessed firsthand the transformative power of networking done right. Drawing from these experiences, this article presents 5 essential rules to guide you, initiating engaging conversations, fostering trust, and cultivating meaningful relationships.
These actionable strategies are designed to empower you to thrive in any professional or business setting with confidence and purpose.
RULE 1:
Always Have a Clear Purpose and Reasonable Expectations
Events can help increase your exposure to the right audience, but it’s important to be selective. Focus on events that align with your goals and provide opportunities to connect with individuals who are relevant to your business. Attending events can feel like blind dating—don’t expect to make a deal right away. Often, you may only connect with one or two people, but if you leave with a few business cards to follow up on, that’s already a great success. It’s about building relationships over time, not rushing for immediate results.
RULE 2:
A Little Preparation Pays Great Dividends
Read the agenda thoroughly before attending. Be aware of who the organizers, sponsors, speakers, panellists, and participants are. Check the website and LinkedIn of those who could interest you. Prepare your elevator pitch or some questions you want to ask.
Once you are at the event, the next step is to initiate the conversation (small talk).
RULE 3:
Turn Small Talk Into Big Opportunities.
Small talk involves you engaging with the other person. Small talk is a great
way to break the ice and establish rapport with strangers in just a few moments. One effective technique is offering compliments. For instance, women often dress up for events, so their hairstyles, outfits, makeup, and accessories can be excellent conversation starters. Just be sure your compliments are genuine, with thoughtful words and a sincere tone.
If you’re sitting at a table with several strangers, your small talk should be inclusive rather than focusing too much on one person and ignoring others. Try to find topics that everyone can participate in, such as weather, traffic, pets, celebrities, or vacations.
RULE 4:
Nurture Conversations Into a Foundation With Bonds for Personal/Professional Ties
Small talk is more than just breaking the ice. It aims to build rapport and trust. It plays a key role in building the meaningful connections for lasting personal and professional ties. By engaging in light, casual conversation, you create a sense of familiarity and openness, making it easier to connect on a deeper level later on. But also, small talk requires practice and accumulation. It’s best to avoid sensitive or controversial topics.
When you take the time to engage in small talk, you show interest in others and their perspectives, laying the groundwork for more meaningful conversations and collaborations in the future. Whether in a personal or professional setting, these bonds can evolve into lasting, valuable connections.
RULE 5:
Your Network Thrives on Giving AND Receiving
As you hone your small talk skills and connect with someone at the event, you’re enjoying a pleasant conversation and adding them to your network. However, you need follow-up to cultivate a meaningful relationship.
A network isn’t meant to be a reservoir of accumulation. Instead, its value lies in the frequency of deposits and withdrawals. When someone does a favour for another, it’s like making a deposit into their network; when they ask for a favour, it’s akin to withdrawing from it.
Most people don’t feel comfortable asking for help, but for a network to stay active, it needs to be used. Sometimes, asking for help (while avoiding being bothersome) allows others to activate their networks and reminds them of your
presence. Those who never ask for help often remain limited by their own capabilities.
It’s important to note, however, that this doesn’t mean one should expect immediate returns when helping others, as doing so would turn the relationship into something transactional.
In essence, mastering your small talk skills enables you to make connections effectively. Cultivating an active network takes time and effort, which not only enhances your professional opportunities but also enriches your personal life with meaningful connections.
I hope this gives you a fresh perspective and a renewed eagerness to expand your network, turning every encounter into a meaningful step toward a more connected and supportive community.
Dolly Shao is the Founder & Managing Director of GLOW Communications. She brings over 20 years of transformative leadership experience in empowering brands across China and Canada. Her expertise in multicultural marketing has benefited prestigious clients such as Holt Renfrew, Shoppers Drug Mart, Huggies, Macallan, Simplii Financial, Porsche, and Chatime, enabling them to forge authentic connections with Asian markets. In addition to her industry roles, Dolly teaches marketing at Centennial College and the Schulich School of Business. Dolly is also deeply committed to community service for the Southlake Foundation, the Federation of Asian Canadians Toronto, and the Toronto Chinese Media Professional Association. Dolly has a Master of Business Administration from the Schulich School of Business at York University and a Bachelor of Arts from East China University of Political Science and Technology.
RECRUIT FOR TALENT at York University Markham Campus
Tap into a talented pool of skilled and motivated candidates eager to contribute to your organization’s success by partnering with York University’s new Markham Campus, where a diverse range of undergraduate and graduate programs are preparing students to create impact in their industries.
York University Markham Campus offers students the opportunity to enjoy the innovative classroom and experiential learning opportunities. Academic programs and research at the campus are anchored in the core themes of technology and entrepreneurship, and how they are driving innovation throughout our society. Research at Markham Campus is set to drive positive change for the University and community through four innovative research clusters designed to support a more inclusive and responsible world: AI & Society, Fintech, Digital Cultures, and Public Policy.
What Students Are Studying at York University’s
Markham Campus
Undergraduate Programs
Communication, Social Media & Public Relations (BA)
Offered exclusively at Markham Campus, this program will help students develop a solid foundation in communication and
media studies while pursuing an intensive focus on the study of social media and public relations.
Associated roles you might hire for:
• Public Relations Specialist
• Social Media Manager
• Communications Officer
Computer Science for
Software Development (BASc)
Students will have the opportunity to work on real-world community- and industry-inspired projects. Through experiential learning, they will play an active role in the learning process, whether during extensive labs, projectbased assessments, simulated workplace assignments and/or work terms in Markham-based industrial or non-profit organizations.
Associated roles you might hire for:
• Computer Programmer
• Software Developer
• Application Developer
• Software Design Architect
Creative Technologies (BFA)
Anchored in critical entrepreneurship, the Creative Technologies (BFA) program empowers students to develop multidisciplinary creative skills and technological expertise through hands-on learning; with an emphasis on social applications and contexts.
Associated roles you might hire for:
• Creative Technologist
• Digital Content Creator
• Interactive Exhibition Designer
• Programming Director / Curator
• Digital Community Artist & Organizer
Digital Technologies (BASc) Students in this program work at a fulltime job and study at the same time. Approximately 20 percent of student work time is dedicated to theoretical, inclass learning, delivered during five-day block periods every five to six weeks. The rest of their work hours are spent in the workplace where academic learning is continually applied and integrated as they gain experience and contribute to your workplace goals. This unique workbased degree program can be used to upskill your existing employees and attract new talent to your business. Through a high-quality education combined with work-integrated learning, students gain knowledge that can be directly and immediately applied to the workplace, adding value to your organization from day one.
Associated roles you might hire for:
• Cyber Security Specialist
• Information System Analyst
• Database Administrator
• Data Analyst or Software Developer
Entrepreneurship & Innovation (BCom)
A new Markham Campus stream in York University’s established Commerce
program, this option lets students combine core commerce courses with courses focused on developing an actionoriented, entrepreneurial mindset for overcoming organizational and societal challenges in an ever-changing world. Associated roles you might hire for:
• Entrepreneur
• Business Consultant
• Product Developer
• Venture Capital Manager
Financial Technologies (BSc)
Combining computing and information technology training with economics and finance education. A specially designed combination of courses will have you explore diverse aspects of the financial technologies industry, from AI and machine learning, financial systems design and financial cryptography, and mathematical finance, banking and payment systems to e-trading and portfolio management.
Associated roles you might hire for:
• Financial Data Analyst
• Business/IT Analyst for the Financial Sector
• Financial Software Systems Designer/Architect
• Blockchain Specialist
Sport Management (BSM)
This business-oriented program focuses on the managerial and organizational aspects of sport. Students will learn about sport innovation and entrepreneurship alongside studies in sport leadership, sport communications and community relations, sport analytics and esports. The experiential education component includes strategic management,
marketing or finance and accounting projects. It also includes two employer and community-focused, hands-on learning opportunities.
Associated roles you might hire for:
• Professional Sports Manager
• Athletic Director
• Recreational Program Administration Sports Entrepreneur
First Year Engineering Core Program
A thorough introduction to all York engineering disciplines, including civil, computer, electrical, mechanical, software and space engineering, these students can be considered for future coops in your company.
First Year Science Program
This foundational year includes the study of Life Sciences (Biology, Biomedical Science, Biotechnology) and Chemical Sciences (Biochemistry, Chemistry) which will allow these students to be ready for future co-ops with you.
Graduate Programs
Master of Public Policy, Administration and Law
(MPPAL – Municipal Government)
Students will be able to work with your company in a position that understands the challenges that municipalities confront, and how municipal and regional governments, related boards, agencies, and non-profit organizations are delivering services, responding to community needs and calls for accountability.
Graduate Diploma in Management
(GDM)
Students will be able to work with your company in a position of management having the key skills required in managing an organization.
Master of Science in Management Practice (MScMP)
Students will be able to work with your company in positions where they are putting data to better use through the most up-to-date research and analytical methods to efficiently run an organization.
Graduate Diploma in Biotechnology (GDB)
Students will be able to work in the Canadian private sector in positions where they can apply their knowledge and skills focused on the current biotechnology practice.
Master’s in Biotechnology
Management (MBM)
Students will be able to work with your company in a position where they will make immediate contributions to the growing Canadian biotechnology industry.
Explore partnership opportunities with York University Markham Campus. To learn more about becoming an employer partner and accessing talent aligned with your hiring needs, please contact our Educational & Employer Partnerships team today at hiremarkham@yorku.ca.
yorku.ca/markham/employer-partner
34TH ANNUAL BUSINESS EXCELLENCE AWARDS:
Markham Board of Trade Recognizes Top Businesses of 2024
The Markham Board of Trade (MBT), Markham’s local Chamber of Commerce, proudly celebrated the remarkable achievements of local businesses at the 34th Annual Business Excellence Awards
held at the Hilton Toronto/Markham Suites Conference Centre & Spa. This prestigious event brought together the city’s most influential business leaders, innovators, and community champions to honour the best in Markham’s business community.
Markham is home to over 10,680 businesses, and as the largest municipality in York Region, Markham is a centre for innovation and growth, with one of Canada’s most vibrant and dynamic economies. Among this community, the Business Excellence Awards proudly spotlight this year’s top recipients, recognizing their leadership, success, and contributions to the community.
2024 Business Excellence Awards Recipients:
Business Employer of Excellence: WEINS Auto Group (Sponsored by Hyundai)
Community Relations & Cultural Enrichment: The Centre for Dreams (Sponsored by Bell)
Entrepreneurship: Brother Seafood King Inc. (Sponsored by TD Bank)
Food Service & Hospitality: Duo Pâtisserie & Café (Sponsored by Classic Group of Companies)
Global Business Excellence: LearnFormula Inc. (Presented by MBT)
High Quality and Service: ESET (Sponsored by RBC)
Innovation: Virotek Biosciences Inc. (Sponsored by Don Valley North Lexus)
Women-Led Business: Universal Health Hub (Sponsored by Scotiabank)
Donald Cousens Conservation & Environmental Leadership: ICON Digital Productions (Sponsored by Alectra)
“Selected from over 10,000 businesses in Markham to represent the pinnacle of excellence.” Miriam Bisnauth, Board Chair
The Anthony Roman Award, which honours an individual who is both a community leader and a successful business person, was presented by Mayor Frank Scarpitti to Todd & Marcia Finlayson, Finlayson Hospitality Partners Inc.
Mayor Frank Scarpitti
ASPIRE Award Recipients
(Sponsored by Seneca Polytechnic) recognize business leaders and young professionals under the age of 40:
Professional Excellence: Adarsh Parikh, Silver Touch Technologies Canada Ltd.
Community Involvement: Laura Lavallee, Evergreen Hospice
Startup: Arash Hoss, Novus Attractions
The Anthony Roman Award, honouring community leadership in addition to business success, was sponsored by the City of Markham and presented by Mayor Frank Scarpitti.
Recipients: Todd & Marcia Finlayson, Finlayson Hospitality Partners Inc.
Chris Collucci, President and CEO of the Markham Board of Trade, shared his thoughts on the event’s success, saying, “This year’s Business Excellence Awards was one of our most successful and wellattended events to date. It’s truly inspiring to see so many incredible businesses and leaders come together to celebrate the achievements that make Markham such a thriving community.”
The Markham Board of Trade sincerely acknowledges the invaluable contributions of our award sponsors: Hyundai, Bell, TD Bank, Classic Group of Companies, RBC, Scotiabank, Alectra, Don Valley North
Sam Erry Board Vice-Chair
Lexus, Seneca Polytechnic, and the City of Markham. We also extend our heartfelt appreciation to our Gold Sponsors: ESET, Honda, and Canadian Western Bank; our Cocktail Sponsor, J. Addison School; our Entertainment Sponsor, Destination Markham; and our Décor Sponsor, Minken Employment Lawyers. Your support is vital to this event’s success and helps drive growth and opportunity in Markham.
For More Information: Contact Selina Martins, Corporate Communications & Events Manager Markham Board of Trade. P: 289-844-3015 E: smartins@markhamboard.com
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AI
For Transforming Customer Service
today’s fast-paced business environment, providing excellent customer service is key to ensuring customer satisfaction, retention, and business growth. For small and medium-sized businesses (SMBs), the challenge often lies in meeting customer expectations efficiently without the need for large customer support teams. This is where AI and automation come into play, offering cost-effective solutions to streamline customer interactions, enhance response times, and improve the overall customer experience.
AI-Powered Tools to Automate Customer Interactions
AI-enabled tools can significantly transform the way businesses handle customer interactions. By allowing customers to interface directly with AI or automated agents, SMBs can provide fast, accurate responses to common queries, ensuring that customers get the information they need in real time. Automated customer service agents can serve as the first line of support, handling
many common requests before escalating to a human representative if needed.
These AI tools are beneficial not only for businesses with established customer support teams but also for those without dedicated support staff. For SMBs that operate without specialized support personnel, AI provides a consistent, alwaysavailable presence to assist customers, bridging the gap between limited resources and high customer expectations.
Timely and Satisfactory Responses
AI-enabled customer service ensures that customer queries are captured and addressed promptly, leading to increased customer satisfaction. By automating responses and assigning complex issues to human agents, businesses can provide consistent support that exceeds customer expectations. AI tools can be programmed to respond based on a set of pre-defined rules or machine learning models trained on the company’s data, allowing for personalized and contextually appropriate responses.
Moreover, tracking how each query is handled enables businesses to not only resolve issues but also learn from them. Over time, this tracking and analysis can lead to improvements in business processes, making operations more efficient and enabling proactive customer support.
Embedding Customer Support as Part of Daily Business
Traditionally, customer support has often been viewed as a separate function involving ticketing systems and service desks. AI and automation help embed customer support into the dayto-day operations of the business. Customers should be able to seamlessly provide feedback, and businesses should respond as a natural part of their operational workflow. This approach fosters a more integrated customer experience, where providing and responding to feedback becomes part of standard business practices rather than an isolated task.
Types of Customer Queries
To understand how AI can optimize customer service, it’s essential to identify the different types of customer queries that businesses handle:
1. Complaints: Customers raising issues they have encountered with a product or service.
2. Informational Queries: Requests for additional details about products, services, or company policies.
3. Prospective Customer Queries: Questions from potential customers looking for information before making a purchasing decision.
4. Service Requests: Requests for specific services, such as technical support or product customization.
Customer Query Channels and Use Cases
Channel How AI and Automation Can Help
Phone
AI can assist by transcribing calls, generating insights, and routing them appropriately. AIpowered Interactive Voice Response (IVR) systems can handle common queries and route complex ones to human agents.
Email
Website
Social Media
AI can automate responses to frequently asked questions and assign emails that require human attention. Natural Language Processing (NLP) can be used to analyze email content and prioritize responses based on urgency and complexity.
Chatbots integrated into websites can provide instant responses to visitor queries. AI chatbots can guide users through product information, service options, and even assist with troubleshooting.
AI can monitor mentions and messages on platforms like Facebook, Twitter, and Instagram, providing timely responses. Sentiment analysis can also be used to gauge customer emotions and prioritize response efforts.
In-Person
AI can assist customer-facing staff by providing them with real-time information and suggestions. AI-powered mobile apps or devices can offer quick lookups for product information or assist in service-related queries during in-person interactions.
An AI-Powered Solution for Customer Service
In an ideal AI-driven customer service environment, every type of query coming in through different channels is automatically captured by AI agents:
• Monitor and accept queries: AI agents actively monitor all communication channels, ready to address incoming queries.
• Autonomous Responses: When appropriate, AI agents respond directly to customer questions, providing immediate assistance. For more complex queries, the AI seamlessly escalates the issue to a human representative.
• Training AI Agents: The AI agents are trained using company-specific data, including product details, service information, and company policies. This ensures the responses are relevant and align with the company’s brand and tone.
• Customization: The AI agents are configured to reflect the personality and values of the business, ensuring that each customer interaction feels consistent with the company’s image.
Benefits of AI and Automation in Customer Service
Artificial intelligence (AI) and automation have transformed customer service, with 98% of small businesses in the US are now leveraging AI tools to enhance efficiency (AP News). This widespread adoption shows how AI can not only cut
improve customer satisfaction example, Klarna, a major financial services company, implemented an AI assistant, saving $40 million annually and increasing productivity (The Times).
The key benefits of AI enhanced customer service are:
1. Reduced Response Times: AI can respond to common queries instantly, ensuring customers are not left waiting for answers.
2. Cost Efficiency: AI reduces the need
for large customer support teams, allowing SMBs to provide high-quality support without increasing costs.
3. Consistent Service: AI agents can provide consistent and reliable responses, reducing human error and ensuring that customers receive accurate information.
4. Scalability: AI tools can easily handle increasing volumes of customer inquiries, making them a scalable solution for growing businesses.
5. Insights for Improvement: AI systems can analyze customer interactions to provide valuable insights into customer behavior, preferences, and pain points. This information helps businesses improve products, services, and customer experiences.
How can you improve your customers’ service experience?
Implementing AI and automation in customer service can significantly enhance the customer experience for small and medium-sized businesses. By
automating common customer interactions and integrating support as a natural part of daily business operations, SMBs can provide efficient, reliable, and cost-effective service. The benefits of AI go beyond immediate responses—it allows businesses to learn, adapt, and continuously improve how they serve their customers.
If your SMB is looking to elevate customer support through AI and automation, start by identifying the key queries and channels your customers use. From there, integrate AI tools to automate and enhance these interactions, transforming customer support into a powerful driver of satisfaction and growth.
At TechFuse, we specialize in helping businesses leverage AI and automation to enhance their customer service functions. We typically start by performing an in-depth assessment of your existing customer service workflow to identify strengths, pain points, and opportunities for improvement. Based on our findings, we present you with a comprehensive plan that includes both the tools that can be implemented and the process changes that can be made to optimize customer interactions. Our goal is to provide a tailored solution that not only meets your immediate needs but also positions your business for long-term success by continuously improving customer support processes. Contact us to start your assessment and embark on the path of AI and automation for enhancing your customer service experience.
THE DANGERS OF NOT PAYING ATTENTION: 5 Beneficiary Mistakes You Can Avoid
By Andy Kovacs
Have you looked at your life insurance policy recently? Many of us put it away after buying it and forget about it. But not checking your policy can lead to big problems that might affect your family’s future. Here are 5 beneficiary mistakes people make and how you can easily avoid them.
First, you might accidentally leave out a new child or grandchild from your policy. Families grow with new babies or adoptions, and your policy should be updated to include them. Another mistake is leaving benefits to someone you no longer want to, like an ex-spouse or someone you’re not close to anymore.
Also, if you just leave your insurance money to your estate, it could get hit with extra taxes and go through a long court process. Not naming a trustee to manage the money for your kids if they are still minors can also cause delays and problems.
And don’t forget to name a backup person too. If your main beneficiary passes away before you, without a backup, the money might go back to your estate and face those extra taxes and delays, which is not what you want.
Checking in with your advisor regularly makes sure your life insurance matches what you want today and keeps your family safe from these mistakes.
If it’s been a while since you last checked your policy, or if your advisor hasn’t reached out to review it, I’m here to offer my expertise. Let’s make sure your life insurance is doing what you want it to do. Contact me for a beneficiary review at my expense and take charge of your family’s financial security today.
www.sunlife.ca/andy.kovacs
Plan for your future business needs.
Let’s talk about steps you can take to protect your business and yourself. It all starts with a conversation.
Avoid These Common Office Design Mistakes:
3 Steps to Create a Workspace that Drives Success
hen you walk into an office, what do you see? More importantly, what does it say about the company behind the space?
Your office environment doesn’t just house your team—it communicates your company’s values, culture, and brand identity. The design, layout, and even the colours you choose for your workspace have a significant impact on how employees and clients perceive your business.
Research shows that the right workspace design can foster collaboration, boost morale, and create a positive brand image. For example, open spaces and collaborative areas can promote a culture of teamwork, while areas designated for quiet work can signal a commitment to focus and individual productivity. Similarly, a modern, well-designed office can demonstrate a company’s innovation and forward-thinking approach.
But it goes beyond functionality. When your workspace aligns with your brand values, it strengthens your identity. Companies that prioritize sustainability might incorporate ecofriendly materials and energy-efficient designs into their spaces. Those focused on employee wellness might include ergonomic furniture and relaxing break areas.
The look and feel of your workspace speaks volumes about
who you are as a business, so why not ensure it reflects the values that matter most to your team and clients?
88% of employees feel more engaged when they are comfortable at work, and that leads to a more motivated, innovative, and productive workforce.
Creating a comfortable office environment isn’t just about aesthetics; it’s about providing your team with the tools they need to perform at their best.
Whether it’s ergonomic chairs, sit-stand desks, or quiet areas for focus, each investment improves the overall employee experience and boosts the bottom line.
Designing an office space is a significant investment, both financially and in terms of its impact on employee productivity and well-being. However, some common mistakes can lead to inefficiencies and missed opportunities.
Here are the Top Three Pitfalls to Avoid:
1. Ignoring Employee Needs
A one-size-fits-all approach rarely works. Not considering the needs of your employees—whether it’s providing ergonomic furniture, quiet areas, or collaboration spaces—can lead to disengagement and discomfort. A welldesigned office prioritizes the people who use it daily.
2. Overlooking Flexibility
The modern workplace is ever-evolving, and an office space that can’t adapt will quickly feel outdated. Investing in modular furniture and multipurpose
areas ensures your space remains functional as your team and needs grow.
3. Neglecting Lighting and Acoustics
Poor lighting and high noise levels can severely impact productivity and morale. Natural light and smart acoustic solutions should be a cornerstone of your office design strategy.
The right office design does more than look good—it enhances workflow, supports employees, and reflects your company culture. Avoiding these mistakes can make a world of difference in how your space performs. If your workspace doesn’t quite match your brand’s identity, we’re here to help. Our expert team at The Office Shop can assist you in creating a space that truly represents your values, boosts your team’s productivity, and impresses your clients. Let’s get started today
The Markham Board of Trade is the voice of business in the City of Markham. Established in 1981, MBT is a not-for-profit, membership based association. We advocate on your behalf with all levels of government through a broader regional, provincial and national network of boards of trade and chambers of commerce. Connect with the right people through our outstanding events. Call us today at 289-844-3017 or find us online at markhamboard.com and take the first steps in joining MARKHAM’S PREMIER BUSINESS ASSOCIATION
One Inch Punch Productions. Inc. www.oneinchpunchpro.com
OFFICE FURNITURE
The ABCO Group abcogroup.ca
The Office Shop www.theofficeshop.ca
PROMOTIONAL PRODUCTS/TROPHIES
Akran Marketing www.akranmarketing.com
REAL ESTATE
Capital Asset Lending www.capitalassetlending.com
Capital Vista Property Management Group Inc. langmancottage.com/cn
CDNGLOBAL cdnglobal.com
REAL ESTATE
Parham Shakeri Real Estate Broker Century 21 Heritage Group Ltd. parhomes.ca
RE/MAX All-Stars Benczik Kavanagh Team www.bkteam.ca
SECURITY SYSTEMS/ SERVICES
Wincon Security www.wincon-security.com
SOCIAL SERVICES
The Local Charity www.thelocalcharity.com
SOFTWARE
Next Inc. www.nextchat.ca
TELECOMMUNICATIONS
Connectivitywerx www.connectivitywerx.com
FlashForward www.flashforward.co
WATER
Mehraein Plumbing & Water Management Inc mehraeininfrastructure.com
BUSINESS MARKETPLACE
MARKHAM’S PREMIER LIFESTYLE COMMUNITY
Situated in the heart of Unionville, this collection includes elegant detached homes ranging from 2,500 to 6,000 square feet, and luxurious townhomes from 2,000 to 2,700 square feet — all with the highest standards of design and construction.
Angus Glen South Village is surrounded by premium amenities. Unionville’s historic Main Street and nature trails, valley lands and parks are all just steps away. Inquire today about our 2025 Incentives available now.