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“Money saver.” Join us to learn more about our new member service... Tuesday, January 12 9 a.m. MBA Conference Center 2171 West 38th Street at Pittsburgh Avenue, Erie Call 814/833-3200 or 800/815-2660 to register today!
BUSINESS VOL. XXIX NO. 1 | JANUARY 2016
A NEW LOOK: GET THE LOWDOWN ON BUSINESS MAGAZINE UPDATES
WESTLAKE WOODS LEADING THE WAY IN ASSISTED LIVING
Member Anniversaries Celebrated SEE WHO’S MARKING A MAJOR MILESTONE
e.e. austin & son
Celebrating 110 Years
Erie Veterans Stadium–Erie, PA
General Electric Refrigerator Building–Erie, PA
of building northwest pennsylvania & southwest new york
Penn State University – Behrend Campus
It is with great pride and honor that we celebrate E.E. Austin & Son’s 110th anniversary in 2016. Companies that reach such a landmark universally share certain traits, such as honesty, integrity, and a consistently high level of service that meets their customers expectations. Our clients come back to us time and again for these very reasons and we are grateful for their support.
Erie City Water Authority – Chestnut Street Pumping Station
St. Bonaventure University – The William F. Walsh Science Center
it’s the austin difference healthcare • education • institutional retail & hospitality • industrial • concrete contractors & construction managers since 1906 www.eeaustin.com
Ready Mix Concrete Plant–Circa 1952
FEATURES FEATURE STORY | BREAKING NEWS
NEW LOOK FOR A NEW YEAR A new view of the Business Magazine – how and why it’s changing.
COVER STORY | LOCAL PROFILE
LEADING THE WAY IN ASSISTED LIVING From a leader in assisted living – how Westlake Woods says “welcome home.”
SPOTLIGHT Q&A| EXPERT ADVICE
WHY IS LONG-TERM CARE INSURANCE IMPORTANT?
Get answers to key questions. Ed Althof
BUSINESS BUZZ FIRM PROGRESS
EVENTS & EXTRAS
FEEL GOOD HEALTH MATTERS | ABOUT IT
HAPPY ANNIVERSARY! Companies mark milestones
METAL LEVELS CAN HELP DETERMINE THE RIGHT HEALTH PLAN Insurance levels, by metals. Adam Pittler
AGING & WELLNESS | PRACTICAL TIPS
READ ON THE GO! For the most current Business Magazine updates, visit mbabizmag.com.
EARLY AND LOOK 11 PLAN BEYOND TODAY Advance planning for senior care. Dianne Cunningham
LEGAL BRIEF | PLANNING AHEAD Executive Editor, Managing Editor & Senior Writer Karen Torres firstname.lastname@example.org Contributing Writers Dianne Cunningham Adam Pittler Matthew B. Wachter Riley Walters
Feature Photography Doug Vizzini Mark Fainstein
Design, Production & Printing Printing Concepts Inc. email@example.com
Additional Photography istockphoto.com
Advertising Sales David Thornburg 814/833-3200 firstname.lastname@example.org
Design Engel O’Neill
13 DIGITAL ASSETS
Preserve and protect assets traditionally not considered in estate plans. Matthew B. Wachter, Esq.
ON THE HILL | SPEAKING UP CYBER ATTACKS ON THE 21 RISE FOR U.S. COMPANIES
On the Cover: From left: Timothy W. Coughlin and Scott D. Allen, co-owners of Westlake Woods and LifeServices
Assisted Living, and Westlake Woods Management Team - Community Director Susan Evans, Nurse Care Manager Janice Hammar, RN, and Resident Services Director Trisha Kasper. For full story, see page 5.
Mission Statement: The Manufacturer & Business
Association is dedicated to providing information and services to its members that will assist them in the pursuit of their business and community interests. – Board of Governors
Manufacturer & Business Association 2171 West 38th Street | Erie, Pa. 16508 814/833-3200 or 800/815-2660 www.mbausa.org
© Copyright 2016 by the Manufacturer & Business Association. All rights reserved. Reproduction or use of editorial, pictorial or advertisements created for use in the Business Magazine, in any manner, without written permission from the publisher, is prohibited. Unsolicited manuscripts cannot be returned unless accompanied by a properly addressed envelope bearing sufficient postage. The magazine accepts no responsibility for unsolicited manuscripts or artwork. The Business Magazine and Manufacturer & Business Association do not specifically endorse any of the products or practices described in the magazine. The Business Magazine is published monthly by the Manufacturer & Business Association, 2171 West 38th Street, Erie, Pa. 16508. Phone: 814/833-3200 or 800/815-2660.
Read about cyber crime. Then blog about cyber safety with Jim Berlin in our new CEO Soundoff. Riley Walters
mbabizmag.com • JANUARY 2016
FEATURE STORY | BREAKING NEWS
S E N I S BU
NO. 1 VOL. XXIX
A NEW LOOK
FOR THE NEW YEAR As we prepare to turn the page to a new year, we took a fresh look at the pages of our own Business Magazine. How can we improve it? What should we add, change, modify or delete? Is it
current, topical, enlightening, engaging? Can we make it more reader friendly with a new format and organization? To find out, we polled our 4,500-plus CEO members and gained answers that will help us write the next chapter in our history.
KE A L T S E W WOODS E WAY IN
TH LEA DING
From our research, we learned the following: We need to increase awareness of the many benefits that come with MBA membership — from free legal, HR and energy saving advice, to discounted payroll and training services and premium meeting space.
their opinions on local, regional or national issues and to interact online, on time. You can access this secure, exclusive new blog to see and share comments of other regional CEOs. Just go to mbabizmag.com and the CEO SoundOff graphic.
To address this, we are producing a benefit insert that will be in our February issue of the Business Magazine.
We need to tell members about the Business Magazine’s online version.
CEOs would like to communicate among themselves quickly and easily — to share problems, solutions, resources and other information to help them do business better. To this end, we’ve started a CEO SoundOff blog. It’s an opportunity for CEOs to voice
JANUARY 2016 • mbabizmag.com
Every magazine issue can be accessed online through our website, mbabizmag.com. Members also can subscribe to receive an email reminder and magazine attachment every month. To subscribe, simply go to mbabizmag.com or call 814/833-3200. With the online version, it’s also easy to clip and share magazine articles. Try it.
A NEW LOOK We’ve updated the design and layout of the MBA Business Magazine so that it’s easier to read and easier to interact with online. We welcome your feedback. In fact, we’d like more input from you, our members, as to the feature topics you’d like to read about. Our survey provided some topics of interest — employee retention, online advertising basics and personal investing were just a few. We plan continued surveys to keep our content more timely and are considering an editorial board to help review and recommend magazine stories. If you’d like to participate, please let us know.
FEATURE STORY | BREAKING NEWS
ARY 2016 1 | JANU
GA Z IN E
LOOKo:n A NEW Wn e loWDo
get th ne S Maga Zi BUSineS UPDateS
Member aries Annivers ed CelebraMatrking
’S See Who ne MileSto a Major
A CHANGING AUDIENCE Our audience, one which no other medium reaches so exclusively, is CEOs of businesses located in northern and western Pennsylvania. When our first magazine issue was published in 1988, most were CEOs of manufacturing companies. Today, manufacturing company CEOs still comprise the largest group of members, but in total, they make up slightly more than 30 percent of our 4,500-plus magazine distribution. While this may be a surprise to many readers, it still reflects the fact that our region has a higher percentage of manufacturing employment than
Pennsylvania and the United States. However, it also reflects the hundreds of businesses involved in health care, insurance, banking, retail, hospitality, service and other industries that do business in our region.
AN UNCHANGED MISSION Serving You
We may not all be “making it” literally in terms of manufacturing, but our common goal is “making it” in business — in growing and succeeding, in profiting and reinvesting, and in providing good jobs for residents in our communities.
The MBA is your organization, and this is your magazine. Please read it. Or tell us why you don’t and what would increase your interest and readership. With the new insight you’ve already shared, we hope this new look will be looked at more closely.
Please read ahead. And give us feedback. Thank you.
mbabizmag.com • JANUARY 2016
LEADING THE WAY IN ASSISTED LIVING
The mission of Westlake Woods Assisted Living can be summed up in four simple words: independence, privacy, dignity and choice.
estlake Woods was developed by Scott D. Allen and Timothy W. Coughlin, two Erie natives, who own LifeServices Assisted Living, a private company operating nine communities in western Pennsylvania and Greater Cleveland, Ohio. “Our residents helped us understand that, even though they can’t live at home anymore, they deeply value their independence, privacy, dignity, and the choice as to how they live their lives,” says Coughlin. “At all of our communities, every aspect of our design, service, and care approach is with these four values in mind.” The moment you enter the mahogany front doors of this community, you sense Westlake Woods provides a unique alternative in long-term living unmatched in the greater Erie area. A Community Designed to Feel Just Like Home. Westlake Woods offers 68 spacious onebedroom and studio apartment homes, each with a living room, kitchenette, private Shown here is an example of a One-Bedroom Traditional apartment.
bathroom, and oversized windows offering natural light and views to the Community’s greenspace. “Our building design and construction approach focused exclusively on creating a comfortable residential environment as much like home as possible,” says Allen, a licensed engineer who leads the LifeServices’ development process. “We created a low-profile building, in a quiet neighborhood, constructed with residential, rather than commercial, construction materials. Everything we did was to avoid any sense of an institutional feel to our Community.” While all residents enjoy private apartment homes, over half of the interior is a comfortable commons of sunrooms, family rooms, and a Community dining room. “We know we’ve succeeded when residents refer to our Community as home,” adds Allen. It’s the Care That Makes the Difference. While the building is unique, Westlake Woods’ care, delivered by an experienced and compassionate Care Team, makes it unique in the Erie area. “Every Team member demonstrates our mission in how they assist and interact with our residents daily,” says Susan Evans, Community Director for the past 15 years. “We create a culture of community here, but it’s more like we’re one big family.”
As the first and only licensed Assisted Living Community in the Greater Erie area, Westlake Woods is designated by the Commonwealth of Pennsylvania as an alternative to traditional nursing home care. “Other facilities say they are like us, but they are licensed as personal care homes, and they’re not supposed to care for seniors who need nursing home care,” says Coughlin. “We are a state-designated
SUSAN EVANS, Community Director
alternative to nursing home care and less than 10 percent of our residents ever get moved to a nursing home. They stay with us in their own apartment home with the care they need. Best of all, they do so for a little more than half the price of a nursing home bed.” Excellence in care is a standard Westlake Woods works to achieve every day. Annually, the Community passes its state inspections with flying colors. “Westlake Woods has been deficiency free for the last five years,” Evans explains. “Given the state average is nine violations per facility, we’re pretty proud of that record.” To learn more, visit www.LifeServicesAssistedLiving.com or call 814/835-0330.
mbabizmag.com • JANUARY 2016
Locally owned and operated, J.H. Bennett has been committed to Erie and the surrounding region for more than a century.
As a full-service moving & storage company, J.H. Bennett provides professional packing, transportation and warehousing services for everything from personal household goods to high-value products, trade show exhibits, general commodities, and sensitive equipment.
J.H. Bennett is your nationwide expert in: Employee and Personal Relocation Corporate Relocation Policy Development Office Relocation Planning and Execution Senior and Retirement Home Relocation Special Products Transportation Warehousing and logistics
On the heels of our 100 Year Anniversary, J.H. Bennett Moving & Storage is moving fast-forward into our second century. Consistently recognized as one of the top quality agents in the nation, J.H. Bennett has been consistently recognized as the prestigious Customer Choice Award recipient for quality, winning four times in just the past ve years.
SPOTLIGHT Q&A| EXPERT ADVICE
Why Is Long-Term Care Insurance Important? Long-term care (LTC) insurance helps pay for care when you can no longer care for yourself. It may protect your family’s financial future and your investments and savings. Many employers are considering LTC policies for their employee benefits packages and for themselves. Here, Loesel-Schaaf Insurance Agency Vice President Ed Althof explains the benefits of long-term care insurance and the agency’s own LTC education program. Public awareness of long-term care insurance has been growing. What is LTC? LTC is custodial assistance with bathing, continence, dressing, eating, toileting, and transferring due to a chronic illness, cognitive issue or disability that can be provided in the home, at adult day care, or in an assisted or skilled nursing community. Is LTC insurance right for everyone? Who qualifies? When is it best to consider a long-term care insurance policy? An LTC plan is essential; whether insurance is appropriate should be an informed decision. People need to be educated to make the best choices for their situation. Individual LTC insurance is medically underwritten; therefore, health and age are important factors. However, no one should presume they won’t qualify. You are never as young or as healthy as you are today, so it’s never too early for you to consider LTC planning, especially individuals age 40 through 70 who are concerned about protecting their retirement portfolio or have had a personal experience.
What are the typical nursing costs with and without LTC coverage? LTC insurance provides a dedicated stream of income to help pay for care. If your monthly benefit is less than the cost of care, you pay the difference out-of-pocket. Most don’t mind paying for care, just not 100 percent of it. The PA median cost for a Home Health Aide is $21 per hour. The annual cost for Assisted Living is over $42,000; Skilled Nursing is $113,150 for a private room. These costs are expected to double every 15 years and must be taken into consideration when planning for future care.
LTCEPP® at the employer level can offer advantages such as underwriting concessions and federal tax advantages. A well-designed LTC program with selective funding for owners, spouses and key employees can enhance a company’s recruitment/retention strategies. Tell us about your exclusive agreement with the MBA to provide discounts and the best premium rates available in LTC insurance. We’ve negotiated discounts specifically for MBA members and their families. As an independent agency, we have access to traditional long-term care and life hybrid plans through various carriers. There is no specific cookie-cutter approach. Plans are tailor made to employer’s desires.
Why should employers consider offering LTC insurance as part of their benefits package? Our Long-Term Care Education and Planning Program (LTCEPP®) is the “missing link” in a comprehensive benefit program. Through 401(k)s and profit-sharing plans, companies are helping employees save and plan for a secure future. Paying for care can affect the best thought-out retirement plan. Providing employees options that address LTC and its related effects assists them in a difficult time and adds value and competitiveness to an organization’s benefit program.
How do I learn more? Contact me at 877/718-9935, 814/833-5433 or ealthof@LSinsure.com. Also look for information about upcoming MBA LTCEPP® seminars and webinars in 2016. Seminars are already scheduled for February 3 and 10 at the MBA Conference Center in Erie.
mbabizmag.com • JANUARY 2016
Investment Management Plan Design Consulting Employee Education Participant Recordkeeping Compliance Reporting & Testing
ERIEBANK Investment Advisors 2035 Edinboro Road • Erie, PA 16509 Phone (814) 866-4194
Employees are an important measure to any company’s success. As a business owner, you know providing a 401(k) plan is an attractive company benefit to entice talent and retain valuable employees. However, you likely also know the benefit can feel outweighed by the time, effort and confusion that’s involved. ERIEBANK Investment Advisors specialize in managing retirement plans. We simplify the complexities of fund options — helping to define the right investment choices and educating your employees. Our goal is to make sure your retirement plan is understood, used and appreciated. Whether you’re looking to set up a new plan or re-evaluate existing offerings, we have the expertise.
HEALTH MATTERS | FEEL GOOD ABOUT IT
It is important that consumers not equate the metallic categories with the amount or quality of care they can expect with that plan.
Can Help Determine the Right Health Plan Adam Pittler is director of Product Development, for UPMC Health Plan, which is part of the UPMC Insurance Services Division. This division offers a full range of insurance programs and products and also includes: UPMC for Life, UPMC for You, UPMC for Kids, UPMC WorkPartners, Community Care Behavioral Health, LifeSolutions, EBenefits Solutions, and Askesis Development Group.
Mention gold, silver and bronze and most people probably think of medals awarded at Olympic competitions. Since the advent of the Affordable Care Act (ACA) in 2009, those same metals have an important connection to health insurance. Now, bronze, silver, gold, and even platinum are tools used to help health insurance consumers comparison shop. They provide coverage information for persons shopping for health insurance coverage on the Marketplace. Open enrollment for ACA coverage in 2016 began November 1, 2015, and ends January 31, 2016.
Why the Metallic Terms? The metal tiers provide consumers a standard measurement and make it easier to compare plans. They also help consumers understand which plans offer more comprehensive coverage and cover a greater portion of health-care costs. Plans are assigned an “actuarial value,” referring to the share of health care expenses the specific plan will cover. If, for instance, you decide to purchase a bronze plan, you will need to pay more out of pocket than for a silver, gold or platinum one. Plans are rated up from bronze, to silver, gold and platinum, the highest. Platinum plans are the most generous and carry the highest premiums, but also have the lowest out-of-pocket costs. For example, a bronze plan will cover 60 percent of health-care costs, a silver plan will cover 70 percent, a gold plan 80 percent, and a platinum plan will cover 90 percent.
How Plans Are Similar All plans — bronze, silver, gold and platinum — must provide a minimum level of coverage in 10 categories, known as “essential health benefits.” These include prevention and wellness, ambulatory (outpatient) care, laboratory services, emergency care, hospitalization, maternity and newborn care, pediatric care (medical, dental and vision), mental health and substance use disorder services, prescription medications, rehabilitation and habilitation. To evaluate plans on the same metallic level, you must carefully review the details of each health insurance plan offered at that level. This includes the cost of monthly premiums, deductibles, copayments and coinsurance. All insurers are required to provide an easy-to-read summary of benefits and coverage to help compare plans. Even though two plans might be on the same level, the cost to a consumer may differ. This could be because of outof-pocket expenses that are accrued and dependent on the health services needed. Tax Credits and Cost Estimates Consumers looking to maximize tax credits and subsidies should probably look to silver level plans. The size of tax credits is based on income and the cost of the second-lowest silver plan in each region. The tax credit remains the same for all levels and covers more of the premium at a silver level than at the gold and platinum levels. Persons entitled to subsidies need to enroll in a specific silver plan to receive it. Most insurance purchasers are focused totally on premium cost and do not think about their estimated, total health-care costs for an entire year. You have to determine if a higher monthly premium would be worth it to decrease out-of-pocket expenses. For more information, visit https://www.upmchealthplan.com/ individuals/learn/.
mbabizmag.com • JANUARY 2016
AS YOUR SOURCE FOR NATURAL GAS Since 1991, National Fuel Resources, Inc. (NFR) has been supplying the manufacturing community with a cost effective source of natural gas. NFR recognizes the importance of a strong manufacturing base in our community. We have been a long time natural gas supplier to the manufacturing community here in Western Pennsylvania. We pride ourselves in being a long term supplier. NFRâ€™s flexibility, experience and dedication provide the most competitive and direct prices to our clients. And this is what makes us uniquely qualified to manage the natural gas needs of any business. Our strategic mix of capacity, storage, and wholesale activity all blend to provide our clients with reliable service and direct access to the product. We are the supplier; we are your direct source, no unnecessary layers of cost. We take pride in our business reputation. We are committed to our clients and look forward to being a part of the continued growth of our areaâ€™s manufacturing community.
(814) 825-1891 | 349 E. Grandview Blvd, Erie, PA 16504
AGING & WELLNESS | PRACTICAL TIPS
Plan Early and Look Beyond Today community or online, such as ElderCare Online’s Caregiver Support Center at ec-online.net/Community/Activists/can. htm.
Dianne Cunningham and her husband Bob are owners and operators of Home Instead Senior Care, a licensed agency that helps seniors to “age in place” by providing ADL and IADL personal care services throughout Erie County. They are members of the Independent Council on Aging and the Alzheimer’s Association of Northwestern Pennsylvania Advisory Board, among other organizations. Perhaps your parents have commented that they may need to make some changes in their life. Though it might be hard to think of them as vulnerable, it’s good to be realistic and help them be involved in planning during their elderly years. Together, you, your siblings and your parents can take that first important step to finding the best solutions for their needs. The Home Instead Senior Care network can help you address some of those questions. You can also find answers to those questions from Home Instead founders
Review the estate planning process. A comprehensive, written estate plan is beneficial. It designates a power of attorney for someone to act in their behalf should they become incapacitated; sets out their wishes for medical treatment at the end of life; designates a health-care proxy when they can no longer make choices on their own; and, explains how they want their estate distributed upon death.
Help set up a will. Even when the financial consequences of dying without a will are small, the emotional repercussions can be tremendous. Our parents also should put in writing how they want their remains handled.
Set in place an advance directive. This document, sometimes referred to as a living will, states the signer’s wishes in case some accident or medical episode leaves him near death with little or no chance of recovery.
Designate a power of attorney. The senior should give someone the power of attorney to act on his behalf if he is disabled in an accident or by an illness.
Review insurance coverage. Sorting through insurance options can be a major task. Find out what coverage your senior already has — life insurance, Medigap policies (private insurance) and long-term insurance.
Lori and Paul Hogan’s book, Stages of Senior Care: Your Step-by-Step Guide to Making the Best Decisions. Here are some practical tips from Stages:
Take an inventory and get organized. Survey all the resources at the family’s disposal, which include people — children, other relatives, neighbors and friends who will be able to help — as well as crucial documents and financial resources. Prepare to be flexible. No matter which care options you choose, it’s likely the alternative will have to be modified or even discarded in time. So, be flexible. It is likely that no resolution will be permanent. Enlist help from a geriatric care manager. The geriatric care manager is a professional who assists families with problems or concerns they have not been able to handle entirely on their own. This person helps you and your family identify needs and find ways to meet them.
Join a support group. Consider joining a support group for caregivers in your
10. Will children contribute? How much
are you and your siblings willing to pay for the care of your parents? Be realistic and a little hard-nosed about this.
For more information about planning for the stages of senior care, contact your Home Instead Senior Care office at 814/464-9200. mbabizmag.com • JANUARY 2016
Insurance Services World-Class Customer Service Experienced, personalized service for all your employee benefit needs. Full-service agency offering: • Assistance with long-range benefit planning and strategies • Renewal comparisons and recommendations for health insurance and ancillary benefits • Enrollment administration • Assistance with preparation of Summary Plan Descriptions • HRA, HSA, FSA Guidance • Audit of dependents • Voluntary benefits • Workers’ Compensation Insurance • Long-term Care Insurance • Defined Contribution Strategies
Compliance The Affordable Care Act (ACA) can be confusing, we help companies avoid uncertainty, guesswork and potential financial penalties.
Health Insurance Ability to provide plan designs to companies of all sizes including fully insured and self-funded health plans. Access to plan designs and benefits through regional as well as national carriers including UPMC, Highmark, Aetna and United Healthcare.
Contact any member of our team to find out how we can assist you with all your employee benefit needs. Lori Joint Vice President email@example.com Patty Smith Director of Employee Benefit Services Licensed Insurance Agent firstname.lastname@example.org Melissa Damico Client Services Manager Licensed Insurance Agent email@example.com Ryan Murphy Sales Agent Licensed Insurance Agent firstname.lastname@example.org
Ancillary Benefits • Exclusive discounted rates for members only on Delta Dental, Aetna Life, and Short-Term Disability and Accidental Death & Dismemberment coverage. Both include a guaranteed rate hold for two years. • Delta Dental: Great rates, Groups as small as two, Large national network, No. 1 Provider of Dental Benefits in the United States, No waiting periods, Can be contributory – rates start as low as $18.02 per month. Aetna Group Life/AD&D and Short Term Disability: No Medical Underwriting, No waiting periods, Flat rates as well as salary based rates, Groups as small as two, Aetna has 150 years of Life Insurance experience.
2171 West 38th Street, Erie, PA 16508 • Phone: 814/833-3200, 800/815-2660 • Fax: 814/833-4844 • www.mbausa.org
LEGAL BRIEF |PLANNING AHEAD
Preserve and Protect Assets Traditionally Not Considered in Estate Plans Matthew B. Wachter, Esq. is an associate attorney at MacDonald, Illig, Jones & Britton, LLP and is affiliated with the firm’s Business Transactions, Tax and Trusts & Estates Practice Groups. He received a Masters of Laws in Taxation degree from Villanova University School of Law after receiving his Juris Doctorate from Duquesne University.
We acquire an ever-growing and diverse collection of assets during our lifetime. To preserve and protect them, an estate plan is typically created with the counsel of an estate planning attorney. It preserves our wishes, and grants certain people power and authority to handle our affairs when we are not capable or upon death. However, estate plans, whether simple or complex, traditionally consider only our hard tangible assets. Recently, a new class of assets of ever-growing importance has arisen not traditionally considered in estate plans: digital assets. Valuable for Loved Ones We have all created or acquired digital assets and an electronic digital identity consisting of far more than the electronic accounts we access online to manage our digital photo albums or social network profiles. Our digital assets include the information necessary to access the financial assets and accounts we routinely manage on our personal computers or smartphones. Everything from our savings and checking accounts, stock trading accounts, medical information, credit card payments and even our gas and electric bills are accessed and managed online via a litany of profile names, online passwords and “secret” security questions.
Digital assets increasingly mimic traditional “hard” assets. PayPal and Bitcoin accounts are often worth thousands of dollars and access to website domains and email accounts are crucial to many businesses. Valuable digital assets also include information stored in secure electronic “dropbox” folders, frequent flyer airline miles, hotel reward points, electronic music, and video and audiobook collections maintained on digital accounts and devices. Preserve and Protect It is important to consider how your heirs will access the assets you store digitally and the manner in which the executor of your estate or agent named in a power of attorney document will manage the affairs conducted electronically. Some practical questions to consider: Will your spouse have the information necessary to access an electronic joint checking account upon your death? Will the executor be able to manage online payment of bills and expenses? What happens to pictures uploaded to an electronic picture album? Will social media accounts be deleted or maintained after your death? Practical Considerations Digital assets create questions and scenarios unforeseen by estate planners.
Access to the websites where we store digital assets are governed by everchanging “terms and conditions,” and users are typically granted restricted and limited licenses that are nontransferable or terminate at death. It is important to establish procedures granting access and preserving the information necessary to manage your online accounts with your attorney. Specify the power of both your executor and agent under your power of attorney document to access and manage your online and digital affairs. Safely and securely store and actively maintain a separate list of online passwords and account information. Today, there are services whereby an online database of your passwords and login information is maintained and released to beneficiaries upon death. Most importantly, the next time you speak with an estate planning attorney, take time to plan and consider your “digital” assets and electronic identity — valuable and important, but easily overlooked as you plan your affairs. For more information about digital assets, contact Matthew B. Wachter at 814/870-7717 or email@example.com.
mbabizmag.com • JANUARY 2016
IS A GOOD DAY TO LOWER YOUR ENERGY COSTS. We’ve helped hundreds of companies of every size and type save millions of dollars on their electricity costs, and we’re here to help you too! Our energy experts will answer your questions, review all available options and help you develop an effective, efficient energy strategy that manages your risk and maximizes your savings.
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mbabizmag.com • JANUARY 2016
BUSINESS BUZZ | FIRM PROGRESS
PLASTIKOS, INC. CELEBRATES MAJOR MEDICAL EXPANSION The future continues to look bright at Micro Mold & Plastikos, as the companies announced their latest milestone: Plastikos’ major medical expansion, which was completed in the summer of 2015 and includes more 17,000 square feet of additional state-ofthe-art space. To celebrate, the companies hosted a private, invitational open house and ribbon-cutting ceremony on November 14 for members of the Plastikos & Micro Mold family, friends, customers and supporters.
Phil Katen (left), president of Plastikos and a member of the Manufacturer & Business Association Board of Governors, cuts the ribbon at the company’s recent open house.
Micro Mold & Plastikos invested $2 million in brand new medical injection molding machines, robotics, and other supporting auxiliary equipment and purchases during 2015 to outfit Plastikos’ new Medical Division. At the heart of the medical expansion is an ISO 7 (Class 10,000) injection molding cleanroom that is designed to accommodate eight new medical molding machines. Plastikos’ medical expansion also includes a separate ISO 7 assembly and packaging lab, as well as corresponding medical production support departments (maintenance, toolroom, quality, general office and meeting room space). Philip Katen, president of Plastikos, commented: “We continue to see a growing need from our medical customer base to take on more advanced manufacturing and component assembly work that expands beyond our precision tool making and scientific injection molding service offerings.” Plastikos is a custom injection molder that works closely with its sister company, Micro Mold, to provide high precision mold design & fabrication, engineering and production services for small, tight-tolerance applications.
JANUARY 2016 • mbabizmag.com
KNOX LAW RECEIVES TIER 1 METROPOLITAN RANKING
ERIE FEDERAL CREDIT UNION RECEIVES A+ RATING
Knox McLaughlin Gornall & Sennett, P.C. has been named a Tier 1 firm in the Pittsburgh Metropolitan region by U.S. News – Best Lawyers® “Best Law Firms” in five practice areas for 2016.
Erie Federal Credit Union (EFCU) recently received a national recognition from DepositAccounts.com, which evaluates the financial health of every federally insured credit union in the United States — more than 6,600 total. Each fiscal quarter, each institution is graded on a number of factors, including capitalization, deposit growth, and loan to reserve ratios, in order to determine a comprehensive health rating.
The firm received the Tier 1 ranking for the third year in a row for Commercial Litigation, Information Technology Law, Medical Malpractice Law –Defendants, and Workers’Compensation Law – Employers and was newly ranked in 2016 for Land Use & Zoning Law. The firm also received a Tier 2 ranking in the Pittsburgh Metropolitan region for Public Finance Law, Labor Law – Management (new for 2016), and Real Estate Law (new for 2016); a Tier 3 ranking in the same region for Bankruptcy and Creditor Debtor Rights / Insolvency and Reorganization Law as well as Litigation –Bankruptcy (new for 2016); and finally, a Tier 3 National ranking for Information Technology Law.
For its financial standing through the end of Q2 2015, EFCU earned an A+ health rating, the highest possible rating from DepositAccounts.com. Erie FCU has now earned this highest rating for two consecutive quarters, which signifies its consistent performance in achieving exceptional fiduciary standing. Founded in 1936, EFCU offers a full range of financial services to the Erie and Crawford County communities.
PEOPLE BUZZ | ENDORSED MACDONALD ILLIG ANNOUNCES APPOINTMENTS
NIAGARA THERAPY, LCC INTRODUCES NEW THERAPIST
The law firm of MacDonald, Illig, Jones & Britton LLP in Erie recently announced the addition of Matthew B. Wachter as an associate attorney with the firm. Wachter is affiliated with the Business Transactions, Tax and Trusts & Estates Practice Groups at MacDonald Illig. Previously, Wachter was a senior associate at the accounting firm KPMG, LLP in its mergers & acquisitions tax practice in Philadelphia and New York City. He has served as an adjunct instructor in business law at Gannon University, as well as a teaching assistant in mergers and acquisitions at the Villanova University School of Law.
degree is from the Pennsylvania State University-University Park. He has also studied Canon Law in Vatican City and international business at PhilippsUniversität in Germany.
Wachter received a Masters of Laws in Taxation (LL.M.) degree from Villanova University School of Law after receiving his Juris Doctorate law degree from Duquesne University. His undergraduate
Prior to joining MacDonald Illig, Despenes served as a Judicial Extern to the Honorable John L. Musmanno of the Pennsylvania Superior Court.
BREVILLIER VILLAGE WELCOMES DEVELOPMENT DIRECTOR
BF FIELDS MOVING & STORAGE HIRES SALES MANAGER
Brevillier Village recently appointed Dan Desrochers, formerly of the VNA & Community Blood Bank, to create the new position of director of Development for the nonprofit senior care facility on East Lake Road in Harborcreek Township. Desrochers was recognized in 2007 by the Erie Ad Club for being the best at Nonprofit Communications and Marketing in Erie County and brings years of public relations, marketing and fundraising experience to the organization.
BF Fields Moving & Storage, an agent for North American Van Lines in Erie, recently hired George Chase as sales manager. Chase has more than 34 years of industry experience and today works directly with companies and individuals servicing their relocation needs. He earned his degree in business logistics from Penn State University.
Brevillier Village features all stages of senior care from independent living, a memory support unit for those that have dementia and Alzheimer’s, and a 24hour skilled nursing facility. The 17-acre lakefront campus houses 300 residents with 250 staff members providing roundthe-clock care.
Niagara Therapy, LLC recently announced that it has hired therapist Jillianne Higgs, COTA/L as the newest member of its professional staff.
Additionally, Kayla A. Despenes has been hired as an associate with the firm. She is affiliated with MacDonald Illig’s Litigation Practice Group.
Higgs is a graduate of Jamestown Community College and recently completed her training in The Neuro Stretch Protocol and Orthopedic Management of the Contracted Joint.
Despenes graduated magna cum laude from Grove City College with a B.A. in English and a concentration in Legal
Located in Erie, Niagara Therapy, LLC offers a full therapy team of occupational, physical and speech therapy services for adults and children, specializing in neurological disorders.
Studies in 2012. In 2015, she earned her Juris Doctorate from the University of Pittsburgh School of Law having graduated magna cum laude.
NEW PHYSICIAN ASSISTANT JOINS TRI-STATE PAIN INSTITUTE Tri-State Pain Institute, the region’s largest pain management practice, recently welcomed physician assistant Angela Parker to its staff. Board-certified and licensed in Pennsylvania, Parker has significant experience in chronic pain management and pain pump adjustments. A member of the American Academy of Physician Assistants and the Pennsylvania Society of Physician Assistants, Parker most recently worked Advanced Pain Medicine in Erie, as well as with Arnot Health in Elmira, New York. Parker completed her physician assistant studies at Pennsylvania College of Technology. She also holds an applied science degree from Mansfield University in Pennsylvania.
According to the company, “the 30plus years of experience George brings with him coupled with B.F. Fields being the oldest moving company in Erie, Pennsylvania, will create endless opportunities for private individuals relocating and companies seeking solutions for employee relocations, product handling and storage solutions in our evolving global community.”
With offices in Erie and Corry, Pennsylvania and Jamestown, New York, the Tri-State Pain Institute is the region’s premier pain management center, offering advanced treatment and proven therapies for the long-term relief of acute and chronic pain, including back, neck, leg, joint and shoulder pain, as well as pain from arthritis, headaches, fibromyalgia, post surgery and cancer complications.
mbabizmag.com • JANUARY 2016
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ON THE HILL | SPEAKING UP
Cyber Attacks on the Rise for U.S. Companies Riley Walters is a research assistant at the Allison Center for Foreign and National Security Policy at The Heritage Foundation. Researchers are concerned over the strength and comprehensiveness of cybersecurity in the United States, as companies are being targeted in cyber attacks at an increasing rate of occurrence and cost. The quantity and quality of information being hacked, stolen, destroyed or leaked is becoming more of a problem for consumers and businesses alike. The Ponemon Institute recently released its 2015 Cost of Cyber Crime, which analyzes its cost for a variety of 58 U.S. organizations both public and private. The United States, in comparison with other nations in the study, continues to rank highest in its cost of cyber crime at an annual average of $15.4 million per company. Ponemon surveyed companies in the areas of finance, energy and utilities, and defense and aerospace — three of the most affected sectors — as well as communication, retail and health care. Their annual cost of cyber crime has more than doubled since 2010, which then averaged $6.5 million. This year, companies saw an average of 160 successful cyber attacks per week, more than three times the 2010 average.
Every company surveyed was the victim of a Trojan, virus, or worm-type of attack; 97 percent were victims of a malware attack, and 76 percent were victims of a Webbased attack. Just as worrisome are those with malicious intent already with access to a system. Congress and the Obama administration should: • Consider how regulations financially affect businesses. While asking businesses to focus more on cybersecurity is noble, policymakers need to remember businesses will focus only on as much security as fits their business model. However, businesses (especially smaller businesses) will need to think about how cybersecurity breaches will affect their image and bottom line. • Avoid minimum security standards. Setting obligatory cybersecurity standards for companies will not prevent breaches — in fact, it may worsen security. Avoid making companies commit funding to securing
one or several aspects, when a hacker can simply attack or breach from where funding was misallocated. • Increase cooperation with private businesses. As the backbone of the tech market and target of many of these attacks, private industry is working on best practices and collaborating to create the technology and workforce necessary to counter cyber threats. Increasing cooperation with private business will allow government access to firsthand knowledge on emerging threats and vice versa will help private businesses prepare using whatever cyber information the government has to share. Cyber attacks are on the rise and will continue to be of concern for the foreseeable future. It is up to private industry to meet these concerns headon and support the government to act lawfully against cyber criminals — so long as businesses lack the authority to fight back against those who threaten their systems.
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HR CONNECTION | WORKPLACE UPDATES
SURVEY: MAJORITY OF FAMILY BUSINESS LEADERS DON’T HAVE SUCCESSION PLAN Seventy-three percent of U.S. family businesses admit not having a documented and robust succession plan for senior roles, the latest PwC U.S. Family Business Survey finds. The survey of owners, leaders and top executives of mid-sized U.S. familyowned businesses across a range of industries indicates that two-in-five respondents will find it difficult to give full control to their successors; 56 percent
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believe they will stay involved in their companies longer than is optimum to ensure a smooth transition. Moreover, 47 percent of next-generation family members view succession as becoming more difficult due to the growing age gap between current leadership and those in line to take over.
EMPLOYERS MUST LEARN HOW TO APPROACH GROWING NEEDS OF AGING WORKFORCE
The makeup of the workforce is shifting. According to recent research by Aetna, more older employees plan to continue working past normal retirement age. About 70 percent plan to work for pay in retirement, compared to the 27 percent of retirees who do so now. Baby boomers — those born between 1946 and 1964 — are about 77 million strong. Older workers are frequently an employer’s most valuable asset, given their experience and commitment. Employers should learn how to approach disability claims for older workers in a way that keeps them productive, motivated and committed. As workers age, they require more time to get back to work following a disability. Both frequency and duration of claims increase with age. This is true
RESEARCH: GROUP RANKS LIST FOR RETIREMENT PLANNING
especially with disability claims with a musculoskeletal nature. It’s critical for an employer to understand the nature of his/her workforce — a major factor in designing a sound disability plan.
To adequately prepare for retirement, Americans need to minimize taxes, save for emergencies and prepare to live longer than their parents, according to NAPFA-Registered Financial Advisors who ranked a comprehensive list of tried and true advice for those five, 10 and 20 years away from retirement.
Employers cannot ignore: 33 The workforce is aging; 33 Pay attention to ergonomics;
NAPFA asked its members to rank advice representing the type of comprehensive planning consumers should expect from financial planners — estate planning, investments, education funding, insurance and risk management, retirement planning and senior issues.
33 Ensure a return to work policy is in place encouraging return to work; and, 33 Be aware of co-morbidities.
The poll found that advice focused on maximizing retirement savings through tax planning ranks high with advisers in each time-frame category. Advisers recommend contributing the maximum amount of pre-tax income to 401(k)s, using tax-advantaged IRAs and staying abreast of tax-reduction opportunities from the Internal Revenue Service.
Patty Smith is the director of Employee Benefit Services at the Manufacturer & Business Association. For more information, contact her at email@example.com or call 814/833-3200 or 800/815-2660.
mbabizmag.com • JANUARY 2016
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HR Q&A | EMPLOYEE ANSWERS
SHOULD WORKING EMPLOYEES ENROLL IN MEDICARE? It is prudent to first indicate to employees that although you cannot make specific recommendations, you will be happy to help by sharing resources so employees can make informed and meaningful decisions. Then, instruct employees to make a rank-ordered list outlining the features important to them. Many employees consider only costs.
Eldercare Help at Work HOW EMPLOYERS CAN HELP EMPLOYEES CARE FOR AGING PARENTS Many employers have employees in what is commonly referred to as the “sandwich generation” — those faced with the demands of caring for children as well as caring for aging parents. According to the latest research by Pew Research Center in Washington, D.C., almost half of adults in their 40s and their 50s have a parent age 65 or older and are either raising a young child or financially supporting a child age 18 or older — and as the
Coach employees to consider other features by asking: Will Medicare provide the same coverage you are used to? On a scale from 1 to 10, how important is maintaining your existing coverage? Do you have dependents who need health insurance? Remind employees that dependents must be 65 or disabled to be enrolled in Medicare. Encourage employees to look at lists of Medicareapproved services and costs on www.medicare.gov.
population continues to age, more and more employees are faced with the duty of providing in-home care for an elderly parent. This added responsibility can make it especially hard for those employees to balance their work and family lives; but
MY EMPLOYEE HAS MEDICARE AND OUR GROUP HEALTH PLAN COVERAGE. WHO PAYS FIRST?
it also may place additional responsibility on the employer as well — such as the Family Medical Leave Act (FMLA). If an elderly parent has a serious health condition that requires the caretaker
If you employ less than 20 employees, Medicare generally pays first. Generally, your group health plan pays first if both of these are true:
to miss work sporadically or for extended periods of time, an employer may be required to provide leave under the FMLA. The FMLA allows employees who have an elderly parent with serious health problems to take unpaid leave, and offers job protection.
1. The employee is 65 or older and
The FMLA states that the health problem, either physical or mental, must require
covered by your group health plan or the employee’s spouse’s health plan.
in-patient care in a hospital, hospice or residential care facility, or continuing treatment by a health-care provider. Under the FMLA, employees may take up to 12 weeks annually of unpaid leave to care for ailing family member, including
2. The employer has 20 or more
employees and covers any of the same services as Medicare (this means the group health plan pays first on your hospital and medical bills). If the group health plan doesn’t cover the full bill, the doctor or health-care provider should bill Medicare for secondary payment.
Stacey Bruce is the director of HR Services at the Manufacturer & Business Association. For more information, contact her at firstname.lastname@example.org or call 814/833-3200 or 800/815-2660.
mbabizmag.com • JANUARY 2016
EVENTS & EXTRAS | CELEBRATING SUCCESS
The Manufacturer & Business Association is proud to celebrate the hundreds of MBA member companies that are celebrating milestone anniversaries in 2016. Your success is a testament to entrepreneurship, innovation as well as ingenuity. Thank you for all that you do to create economic growth and prosperity in our community. On behalf of the MBA Board of Governors, professional staff and a very grateful membership, we wish you continued success now and in the future. Congratulations!
130 Years Channellock Inc. North East Heat & Light
125 Years Bradford Club Kane Manufacturing Corporation Moody and Associates, Inc
120 Years Burton Funeral Homes & Crematory Inc. Horn Textile, Inc. McCourt Label Cabinet Company Northwest Savings Bank Reed Manufacturing Company Waldameer Park, Inc.
110 Years Backus Company Inc. E. E. Austin & Son, Inc. Erich Gumto Greenhouses, Inc. Visiting Nurse Assoc. of Erie County
100 Years Loccisano Bros Inc-One McCarty Printing Corporation Rabe Environmental Systems Walker Bros. Buick Chevrolet, Inc.
90 Years Ferguson Perforating & Wire Company Loeffler’s Flower Shop Titusville Dairy Products Company
JANUARY 2016 • mbabizmag.com
Auto Parts Service of New Bethlehem Inc Erie Federal Credit Union Hubbard-Bert Inc. Industrial Steel & Pipe Supply Company Northwestern Rural Electric Co-Op Seneca Hills Bible Conference Widget Federal Credit Union Willard Burial Service, Inc.
75 Years Brass Alignment Inc. Erie-Crawford Cooperative Morris Coupling Company Shaw Industries, Inc.
70 Years Acme Machine & Welding Company American Trim Anderson Brothers Tool Company Canfield Radiator Inc. Chido’s Dry Cleaners Inc. E.M. Brown, Inc. Erie Beer Company Erie Cotton Products Inc. Kelly Services, Inc. Pellegrino Food Products Company Sekula Sign Corporation State News & Variety Store Inc. Strobel Machine, Inc. Sutton Tire Service Inc. Tony L. Stec Lumber Company Inc. Tri-Penn Tool Company Inc. Welders Supply Company Westford Milling Company Williamsport Sanitary & Mun. Water Auth.
50 Years Carbonite Filter Corporation Charles Tool & Supply, Inc. G & M Bandsaw Inc. Hazlett Tree Service Housing & Neighborhood Development Svcs Imperial Carbide Inc. Lutheran Home at Kane McGranahan Plumbing Inc. Merit Tool Company Inc. Millcreek Metal Finishing Inc. Northern Tier Community Action Corp. Northway Industries Inc. Onex Inc. Portersville Valve Company Regal Service Company Tetra Tool Company United Electric Cooperative Inc. Wiggers Farm Equipment
EVENTS & EXTRAS | CELEBRATING SUCCESS 40 Years Allergy & Asthma Associates of NWPA Area Tool & Manufacturing Inc. Beals McMahon Painting Bloom Electric Plumbing & Heating Inc. Bob’s Sub & Sandwich Shop, LLC Bollinger Technical Services Inc. Burke & Sons Inc. Connecto Electric Inc. Cookport Coal Company, Inc. Custom Industrial Processing, Inc. Diagnostic Imaging Consultants Inc. EMC Chelation Emporium Secondaries, Inc. Erie Endodontic Associates, P.C. Erie Fence, Inc. Erie Institute of Technology Fisher & Father Inc. Four Way Sales & Service Freeport Restaurant Fremer Reclamation Inc. Holbrook Tool and Molding Inc. Jim Brozell Construction Lake City Industrial Products Inc. Lehrian & Palo Oral Surgery PC Lemac Packaging, Inc. Lesko Enterprises, Inc. Maleno Development Meadville Area Recreation Authority Moyer’s Auto Body Omega Logging Inc. Parsons’ Penn Glass Company Rathmann Plumbing & Heating Inc. Reed Oil Company Samtec Inc. Seneca Eye Surgeons, Inc. Servis One, Inc. Snyder’s Auto Parts Inc. St. Marys Tool & Die Company, Inc. Steadman Law Office Super Styles Hair Salon TM Industrial Supply Inc. Trux Inc. Turner Funeral Homes Inc. Western Pennsylvania Steel Fabricating Wigton Eye Care Assoc. Inc. Wild Side North Inc.
30 Years ACLA USA Inc Alden Physical Therapy, P.C. AMTEK Inc. Aristocrat Spring Water Inc. Arthritis Associates Bashlin Industries Inc. Bayview Nephrology Inc. Bowser Milk Inc. Bukac & Toomey C.H. & G.M. Francis Inc. Champion Bolt Corp. Inc. Clover Hill Farms
Country Manor Management Services Cox & Kanyuck LLC Debi’s Dairy Queen Deist Industries Inc. Doctor Waterheater Doleski-Wolford Orthodontics Erie General Tire Inc. Erie Specialty Products Inc. Faulkner’s Country Market Fine Print Commercial Printers Inc. Fisher Flooring Supply LLC Flexcut Tool Company, Inc. Fox’s Pizza Gordons Auto Sales, Inc. Greener Pastures Veterinary Svs. Inc. Hand, Microsurgery and Reconstructive Historic Square Agency Hoffner Excavating J.B. Mill & Fabricating Inc. Jonathan K. Cole, D.M.D. JTM Foods LLC Lake Erie Molded Plastics Lakeshore Community Services, Inc. Luminous Water Solutions Inc. Mele Plumbing & Heating Co. Inc. Michael C. Pratt Micro Plating Inc. Muscle Products NAC Carbon Products Inc. O’Donnell’s Distributor, Inc. Pennside Machining, LLC Phillips Vineyards Inc. Quality Gardens Inc. Quest Diagnostics Showcase Mobile Homes Inc. St. Marys Auto Body, Inc. Stafford Enterprises LLC State Pipe Services, Inc. Sterilizer Refurbishing Services Inc. Sue Sutto Properties Technicon The McDonald Group, L.L.P. Thomas C. Fox, DMD W. Kevin Mahoney, D.M.D.
25 Years Barrett’s Auto Body Inc. Bloxdorf Contracting Bonnett & Murphy Dental Associates, P.C. Braho Automation Inc. Briad LP Cory R. Fox Inc. Cusick Tool Inc. Deerfield Behavioral Health Inc. DKL Inc. East Penn Carrier & Wrecker Sls West Inc Eden, inc. Electralloy Ellwood Specialty Steel Eric T. Mong, D.D.S. Frank C. Pregler, D.O. Franklin Pediatric Associates, P.C.
George J. Vukmer Jr., M.D. Heavy Metal Fab Inc. Heeter Enterprises Inc. Hodrick Real Estate Inc. Interim Health Care of Western PA Inc. Keep Heating & Cooling Krise Transportation Inc. Lou Negley’s Bottled Water Inc. MAJR Products Corporation Mark S Plizga National Fuel Resources, Inc. Nick’s Place Inc. Northwest Eye Associates, P.C. OB/GYN Associates of Erie Osteopathic Cardiology Associates LLC Phoenix Metals of PA, Inc. Power Conversion Technologies Inc. Reitz Agency RMS Systems Inc. Rosanne M. Palermo, DMD Sammartino & Stout Smith, Best & Stoneking P.C. Subway Sunshine Cleaning & Janitorial Serv Inc. Tazgo Machine Inc. The Closet Shoppe The Letterpress Shoppe Inc. Tire Express Inc. U.S. Bulk Transport Inc. Valley Can Inc. W & R Enterprises Inc. William G. Bowley Insurance Agency Inc. Wire Weld Inc.
20 Years Alan J. Natalie, Attorney at Law, P.C. Alexander Masonry Ameridrives International Anchor Marine Ltd. C.R. Campbell Trucking/Truck Repair Century Propeller Corporation City of Erie Cable TV Access Corporation Considine Biebel & Company Controlled Molding Inc. Corry Custom Machine, Inc. County Line Restaurant CyberInk, LP Dalton Service Company, LLC DiMark Enterprises Dominick’s Eatery Doug Brace Trucking Emlenton LT Foods Inc. Faber Burner Company Fedorko Property Management Inc. Jeff Young & Sons Masonry John R. Slagle Joseph F. Kocjancic Trucking Keystone Diesel Institute Land & Mapping Services Logistics Plus Inc. Lutz & Pawk, LLP Maher-McConnell Concrete Const. Inc.
Maya Brothers Inc. Mednet Resources, Inc. Myers Custom Woodworks Inc. NEA Cross of NY, Inc. North Memorial Animal Hospital Petroleum Technical Services Quinn Pump & Supply Richardson Tree & Landscape Co. Inc. Roberts Warehousing Inc. RT Machine Co. Scales Law Offices LLC Sharp Tool and Die Inc. Sidehill Copper Works, Inc. Starr Image Products Stone Arch Restaurant Stone Consulting Inc. Stubler Drive-Thru Beverage, Inc. Summit Dental Associates, P.C. Swift Kennedy Financial Co. Inc. Synergy Oil & Gas Co., Inc. T. J. Kourier TechSource Engineering Inc. Venango Valley Inc. X-Cell Tool & Mold, Inc. Zimmer’s Service Center Inc.
10 Years A & A Self Storage LLC American Eagle Windmills LLC Armormax Refractories Inc. Care First Pharmacy Services Carney & Ruth Law Office Cathedral Pines Inc. Complete Chiropractic Health David A. Williams D.O., Inc. Falcon Power Consultants Ferraro Enterprises Inc. Fisher & Ludlow Inc. Francisco Cano M.D, P.C. Germanoski Family Dentistry Gould Financial Services Great Eastern Cutlery Greenfield Counseling Inc. JAB Financial Service Inc. Kay Michael LLC Leasure Tushak Accounting LGE Coachworks Inc. LJ Development Inc. Miller Pump Supply Inc. New Projects Corp. Next Step Therapy Inc. Pie Guys LLC & Sunshine Investment Group Preston of Sharon Shaw Excavating Signet Construction, Inc. Solenoid Solutions Inc. Steven B. Lombardi, D.M.D. The Nonprofit Partnership Three Rivers Concessions LLC Titusville Market LLC Turbie Twist LP
* Anniversary information is based on member records as of October 2015. We regret any errors or omissions. Please contact the Manufacturer & Business Association at 814/844-3200 or 800/815-2660 with updated information for inclusion in future publications.
mbabizmag.com • JANUARY 2016
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