North Shore Chamber Impact Magazine - July 2023

Page 1





Member FDIC Member DIF 978-462-3106 • Meet Our Commercial Lenders (L to R) David Doucette, Vice President; eresa Espinola, Vice President; Mark Zink, Senior Vice President and Senior Lender; Valerie Trevisone, Vice President; and Lori Rostkowski, Vice President. Come to us for your complete nancing needs, whether it’s $500,000 or $40 million. For more information, call us at 978-225-1387 or visit us online at Partner With the Best-in-Class Need a Lending Partner to Help You Grow Your Business?
NORTHSHORECHAMBER.ORG 1 F sttesuhcassaM G duorpeht yaB.etatSt C 87286750004032A.ynapmoCderetsinimdaeraCinUefiL&htlaeHecnarusnI tisimoc.ssameracinuV P troppuseht ytinummocN

Connect with us

Reader and advertiser services

 Tell us your story  Impact Magazine is focused on highlighting the work of The Chamber’s member businesses through articles written by our team to columns penned by our members themselves. Contact Editor Katie Lovett with your story ideas at 978-774-8565, ext. 103.

 Share news and photos 

Launching a new product? Introducing a new service? Celebrating a milestone or achievement? Welcoming a team member? Send your press releases, along with high-resolution (300-dpi, jpg- format) photos, to katie.lovett@ to feature in an upcoming issue and on our website.

 Advertise with us  Impact Magazine is distributed in print to Chamber members and others across the North Shore. It’s also available online to thousands more as an e-edition. We offer a variety of advertising opportunities, and can create a focused campaign that best suits your needs. Contact Cheryl Begin, director of sales and marketing, at 978-774-8565, ext. 101, or

 Join our membership 

The Chamber is the hub of the North Shore business community and stands to be your organization’s voice in all arenas. Contact Director of Business Development Scott Muir at scott.muir@ or 978-774-8565 Ext. 104.

 Give us your feedback 

If there’s something you’d like to see in our pages, let us know. If there are areas we can improve on, we want to hear that, too. Your input will ultimately drive our future and allow us all to make an impact together.

 Subscribe 

Don’t miss an issue of Impact Magazine. Single issues are $4.95. Call us at 978-774-8565 to get on our mailing list.

 


500 Cummings Center, Suite 1700 Beverly, MA 01915 978-774-8565


Developing the next generation of business leaders

Here at the North Shore Chamber, we advocate, educate and collaborate. We also lead.

Taking leadership positions on issues that matter to business is critical to the mission of this organization. Developing leaders is also paramount to our success, and to the region’s sustainability. That’s why I’m thrilled to report that the Chamber’s newest initiative, Emerging Leaders, is moving forward with full force, with more than 100 young professionals already signed up and attending our events, training and career development opportunities. We are surely onto something special.

Most of these young professionals had never come to a Chamber event before, or even knew what the North Shore Chamber did. Now these Emerging Leaders are signing up for networking after-hours, breakfast forums and the golf tournament, and are poised to develop their leadership and career skills within the structure of the North Shore Chamber.

The mission for Emerging Leaders is simple but powerful — to drive career growth for young professionals collaboratively through relationship-building, skill development, and community involvement.

So who is considered a “young professional?” It’s a question we get often, and one that’s not so easy to answer. Most of our Emerging Leaders are in their 20s, some fresh out of college and working at their first job. Others are in their early 30s and a bit more experienced. Still others are still in school and eager to meet working professionals who’ll take the time to offer guidance on everything from how to dress for a job interview to how to save up to purchase your first home.

Chris Pellegrini of Windover Construction is a 20-something himself and Chair of the Emerging Leaders. He describes group members as “self-starters – people early in their path who want to work hard, develop themselves, meet

other truly good people, and to succeed in all areas of their lives. They are the type of people that spend time before and after work bettering themselves so they add value to their organizations and communities every day.”


Adding value to the community is key to the mission of M&T Bank, which has generously signed on as the exclusive platinum partner of Emerging Leaders. Dave Eidle, head of Business Banking for Massachusetts, is a member of the Chamber Board of Directors and a passionate advocate for the Emerging Leaders program.

The group is also very fortunate to have the guidance of Chamber members Deane Gyllenhaal of Intelligent Leadership Executive Coaching, and Samanda Morales, CEO of Ahora Inc. Deane and Samanda have volunteered as advisors to the Emerging Leaders.

How can you get involved?

First, please consider sponsoring Emerging Leaders events, and/or purchasing tickets for students and young professionals. Also, attend Emerging Leaders events and share your wealth of experiences. (You never know – you just might find your next best hire.)

Lastly, please encourage young professionals at your organization to join Emerging Leaders – it’s free to sign up – and use the Chamber’s workshops and seminars as their training opportunities. What better way to retain your young professionals than investing in their career development?

After all, our Emerging Leaders are our next CEOs, board members, and business owners. They are the future of our workforce, and the North Shore Chamber of Commerce.

I look forward to seeing you at our next Emerging Leaders event.



President and Chief Executive Officer

KAREN E. ANDREAS karen.andreas@

Editor KATIE LOVETT katie.lovett@

Director of Sales and Marketing CHERYL BEGIN cheryl.begin@

Director of Business Development SCOTT MUIR scott.muir@

Operations Manager ROBYN PREGENT robyn.pregent@

Membership Coordinator KAY EISENSTEIN kay.eisenstein@

Events Manager PATTI BAKER patti.baker@

Summer 2023 Intern


Creative Design and Production DIANE CARNEVALE ART


Leadership on the North Shore

Across the region, employers focus on mentorship and collaboration to build a stronger workforce

What makes a strong leader?

Executives share their approach to management and the qualities needed to help their business grow, Page 6


Honor Scholars Dinner showcases the top 5 perccent of the North Shore’s high school graduates. Page 22


As director of marketing for EJ Callahan and a member of the Emerging Leaders board, Christina Saadé is making her mark. Page 48


At Leads, members promote their business to an attentive audience. Page 33


David Morales shares professional insight and life lessons at Lunch & Learn.

Page 10

Recruiting for the future

Nonprofits work to draw young professionals to join their boards, Page 15


YMCA CEO Katheen Walsh shares her advice for the next generation of leaders, Thrive, Page 35


As a loan officer Erik Ferm seeks to spead awareness about VA home loans, Page 41


THE LAW: Businesses can use their resources to support causes and make a difference, By Michelle Curran. Page 18

CONSTRUCTION: Jay Connolly of Connolly Bros reviews different construction options for businesses. Page 18

TRAVEL TIPS: What international travelers need to know, By Brad Small. Page 32

CUSTOMER SERVICE: In the hospitality industry, stellar customer service is key to success, By Ray Johnston. Page 44

COACHING: Words successful leaders should live by, By Richard Huttner. Page 11

LEADERSHIP TIPS: Three ways to become a great leader, By Deane Gyllenhaal. Page 17

BRANDING: When it comes to first impressions, image is everything, By Kristen Zannella. Page 29

RETIREMENT: Exploring the impact of the new retirement legislation, By Doug Wilson, Page 31


PLANNER: Save the Date for these upcoming Chamber happenings. Page 4

NEW MEMBER WELCOME: Look who is joining our growing network. Page 45

BRIEFCASE: Check out the latest news from our Chamber members. Page 16

THRIVE SUMMIT: Scenes from 2023, Pages 42, 44

FACES & PLACES: Recent Chamber events. Page 37, 38, 39, 40



Business Leads Group

Meet fellow Chamber members and have the opportunity to connect and market to other business professionals during this free networking event. This is for Chamber members only.

8 to 9 a.m.

North Shore Chamber

500 Cummings Center, Suite 1700, Beverly



For a complete Chamber calendar and details on signing up for any of our events, visit

THRIVE pottery painting with Hestia Creations

Enjoy an evening of networking while creating your own ceramic dish. Hestia Creations will bring its Paint Your Own Pottery Studio to the North Shore Chamber. Hestia’s teachers will take you through the entire process; no experience necessary. Light appetizers and refreshments provided.

5:30 to 7 p.m.

North Shore Chamber

500 Cummings Center, Suite 1700, Beverly


Business Insight Breakfast Forum

Guest speaker Doug Howgate, President of the Mass Taxpayers Foundation, will join us for our August Insight Breakfast. Howgate will cover recent changes made to tax rates and the impacts they will have on employers and business owners.

7:30 to 9 a.m.

Salem Waterfront Hotel & Suites

225 Derby St., Salem

Diamond Awards


The Chamber celebrates outstanding women of influence and leadership in the region at the annual Diamond Awards event. The award ceremony recognizes women who have commitment and passion for leading with purpose, empowering women, serving others and making an impact.

7:30 to 9 a.m.

Kernwood Country Club

1 Kernwood St., Salem


Emerging Leaders: Lunch & Leadership

Guest speaker Laura Caton explores the art of challenging conversations and how to effectively communicate in a way that resonates with others. Uncover the skills that will empower you to deliver necessary feedback efficiently.  Registration and lunch from 11:30 a.m. to noon, followed by the discussion.



11:30 to 1 p.m.

North Shore Chamber Education Center 500 Cummings Center, Suite 1700, Beverly


Business Leads Group

A free networking session for Chamber members with the chance to promote their company and make valuable connections. Business Leads meets on the first and third Friday of each month.

8 to 9 a.m.

North Shore Chamber

500 Cummings Center, Suite 1700





Thrive Lunch & Workshop

Join Laura Caton and members of Thrive at the North Shore Chamber’s office located at the Cumming Center for some light bites and workshop.

11:30 to 1 p.m.

North Shore Chamber 500 Cummings Center, Suite 1700, Beverly

Salute to Veterans Breakfast

Mark your calendar for this breakfast event where we honor and show our gratitude for our veterans.

7:30 to 9 a.m.



Danversport Yacht Club

161 Elliott St. (Route 62), Danvers





State of the Region Breakfast

Join us for our annual breakfast with local officials. Mayors and municipal leaders will share updates and discuss ongoing issues that local communities are facing.

7:30 to 9 a.m.

Boston Marriott Peabody

8A Centennial Drive, Peabody

Thrive Luncheon

Save the Date for our next Thrive luncheon. More details will be forthcoming about this fantastic event and our keynote speaker.



11:30 to 1 p.m.

Boston Marriott Peabody

8A Centennial Drive, Peabody

Annual Dinner and Distinguished Leader Awards



Join The Chamber as we recognize the achievements of our 2023 Distinguished Leaders, celebrate the year’s accomplishments and outline our initiatives for 2024.

5:30 to 8:30 p.m.

Danversport Yacht Club

161 Elliott St. (Route 62), Danvers



Survey a cross-section of business professionals about their thoughts on leadership, and you might expect vastly different opinions.

Yet,this isn’t the case on the North Shore where executives in business, finance, banking, and medicine have developed leadership qualities and styles that allow their employees to thrive and grow. Leading by example is vital to offer direction and the necessary tools for employees and, by extension, their businesses to grow, they say. Their own mentors and training were eclectic and differed, and prepared each to rise to the top of their fields.

“I consider myself a collaborative leader,” said Michael J. Jones, president and chief executive officer of the 203-year-old Institution for Savings in Newburyport.

The bank’s management team each

have their own expertise in their respective areas, according to Jones. Though he sets the vision and manages the bank, he empowers his team to operate their respective departments to achieve this vision.

“I guess you could describe it as an eyeson, hands-off style,” he says. “I put a lot of trust and respect in my team to achieve that vision because I know I can’t do it alone.”

His leadership style clearly resonates with the bank’s employees as it was recently named a “Top Place to Work,” for the 15th year. Jones has worked for the Institution for Savings for the last 17 years; the last 13 as president and chief executive officer. He says he believes in “leading by example and modeling the behavior I want to see in the employees.”


Much like Jones, Karen Nascembeni, general manager of North Shore Music Theatre, counts on her team members to think and act critically by creating an environment that is inclusive and empowering.

“I don’t pretend to have all the answers, nor do I think I am the only one with the ultimate solution to every problem,” she says. “I love nothing more than to ask an employee how they would handle a certain problem or situation.”

That approach is a confidence builder, she adds, and enables her team members to develop their own leadership skills.

“I’ve never been a ‘knowledge is power’ person...the type of leader who

holds back information so no one else knows their job making them harder to replace,” Nascembeni says. “We have a line we use here all the time, ‘If I get hit by a bus tomorrow, what happens? Are we covered?”

Nascembeni, has been affiliated with NSMT since the 1990s as a volunteer and member of the Board of Directors which previously operated the theater. She continued her association after Bill Hanney purchased the theater in 2010. NSMT team members’ leadership abilities were put to the ultimate test in March of 2020. Nascembeni, her husband Steven Richard, and father-in-law Earl Richard, were among the North Shore’s first patients diagnosed with COVID. Steven and Earl died. She was

placed in an induced coma and spent months in the intensive care unit followed by months of rehabilitation.

“When I became gravely ill with COVID-19 three years ago, my team said, ’What would Karen do?’ and proceeded to run this company without me and without missing a by one they became stronger leaders. It was truly beautiful for me to witness.”

Brad Small, chief executive officer and founder at Solomon Private Wealth, LLC, agrees with much of Nascembeni’s leadership philosophy. With proper training and delegation of responsibility and authority, team members hone their abilities and use them to serve Solomon’s clients.

“Technically, as a leader, you are

Bradley Small Roxanne Ruppel Michael Jones Karen Nascembeni
NORTHSHORECHAMBER.ORG 7 Call Us Today 978-887-1100 461 Boston Street, Unit B1, Topsfield
David Eidle

building a business that can run without you, but your team would rather it not,” he says. “Being capable professionally, having humility and generosity, and being open to others’ ideas, allows every team member to be part of the success.”

Collaborative, passionate, empathetic, approachable, and accountable, are all words David Eidle, senior vice president of banking business at M&T Bank, uses to describe his own style while again, keeping his employees’ growth at the forefront.

“I am a passionate leader who enjoys helping others achieve their goals and to become leaders themselves,” he says.

Salem Hospital’s Roxanne Ruppel concurs.

“I believe it’s important to approach leadership with a servant leader mindset ensuring that the employees on the front lines have what they need to care for our patients and the support to realize their full potential,” says Ruppel, the recently appointed president and chief operation officer at the 150 year-old hospital, where she worked for 25 years.

Ruppel says her style is collaborative with a focus on clear

communication while pursuing continuous improvement.

Through relationships with mentors, all of the executives learned what type of leader they aspired to be -- and what they wanted to avoid in their own careers.

“I’ve learned as much from watching bad leaders as I have been taught by working for good, strong, confident leaders,” Nascembeni says. “I carry so many of them (positive role models) with me in every decision I make.”

“I gained the knowledge of the type of leader I wanted to be by what will make people happy, fulfilled, and have a balanced work and personal life,” Jones notes. “I expect a lot from my team and I want people to have fun and enjoy coming to work.”

Active listening and collaboration go a long way in decision making and effectiveness, according to Ruppel.

“Good leadership requires good listening,” she says.

It is important to learn from your failures as well as your successes, she adds.

Nearly all acknowledge they would like a piece of their professional legacy to include mentorship.

“Everyone has the opportunity

to make a difference, especially in a healthcare environment,” Ruppel says.

“As leaders it’s also our responsibility to identify the talent and strengths of our people, acknowledge it and then nurture it by providing opportunities for employees to grow.”

Eidle encourages his employees’ professional development by offering leadership workshops, constant interaction, feedback and coaching.

Promoting from within, and mentoring employees to move into higher positions if they desire, has long been the practice at the Institution for Savings, says Jones. It is one of the reasons the bank has a high employee retention.

Nascembeni’s “compassionate leadership” style has been published in a best-selling leadership book by Donato Tramuto, “The Double Bottom Line –How Compassionate Leaders Captivate Hearts and Deliver Results,” Her case study is included in the chapter “The More You Give, The More You Get.”

“I believe it is more important than ever, to lead from a place of compassion,” she says.

Small concurs, “A leader looks out beyond themselves to help others.” I




From developing novel cancer treatments and providing products critical to the fight against Covid-19, to making windows and displays more energy efficient, we are committed to making a positive difference to millions of people’s lives every day.

We are proud to be part of a global company that has endured for more than 350 years. From its humble beginnings as the Angel Pharmacy in 1668, today the businesses of Merck KGaA, Darmstadt, Germany employ around 60,000 people, including more than 3,000 Massachsetts-based colleagues, who live and work in 66 countries around the world. Our passion for science and technology is what inspires us to find solutions to today’s toughest challenges and create more sustainable ways to live for generations to come.

Learn more about and join our team

The businesses of Merck KGaA, Darmstadt, Germany, operate as EMD Serono, MilliporeSigma, and EMD Electronics in the U.S. and Canada. © 2022 Merck KGaA, Darmstadt, Germany, and/or its affiliates. All Rights Reserved. EMD Serono, MilliporeSigma, EMD Electronics, and the vibrant M are trademarks of Merck KGaA, Darmstadt, Germany, or its affiliates.
We are dedicated to HUMAN
Today more than ever, a changing world drives us to explore, innovate, and collaborate

Lessons in Leadership


Sitting before a group of young professionals, David Morales took the opportunity to share his guiding principle. If there was one message he wanted the group listening intently to hear, it was this: embrace deeply your values; embrace who you are.

Morales, the general manager of UniCare, was a guest speaker at a “Lunch and Learn” with the North Shore Chamber’s Emerging Leaders group in May. During a wide-ranging discussion with Chris Pellegrini, the chair of the Emerging Leaders leadership team, Morales described his childhood and teenage years, and shared the lessons he learned as he navigated his career path.

Born in Puerto Rico, Morales moved to Lynn with his family when he was young. The places where he grew up were depressed and laden with violence, Morales said, and the experiences shaped him. “You have to be very tough to live where we lived,” he said. The traits he formed then - toughness, grit, perserverance, and tenacity - continue to drive him today.

As a youth, Morales saw what those around him owned, how they dressed, and what kind of cars they drove. He was determined to have the same that others had, and to achieve what they did, but to do it better and faster. His sense of competitiveness surged at a young age.

Morales spoke of his early career, and how he resolved obstacles and challenges. He urged the group of Emerging Leaders to remain lifelong learners and to stay curious, critical thinkers.

Also, don’t be afraid of failure.

“Failure is awesome,” Morales said.

“You learn from it. You learn how to do it better the next time.”

As he shared his tips for effective leadership, Morales said he adheres to a work-life balance and never sacrifices his priorities: faith and family. There are three sides of his life: personal, family, and professional, and he gives each the attention they need.

As the session drew to a close,

Morales offered another piece of advice. Money is not the answer in life, he said. Introducing his wife, Samanda, who joined him for the lunch, he told the group to find a life partner that inspires them and makes them better. The relationships we form and the friends we have matters.

“Surround yourself with caring, loving people,” he said. I

Emerging Leaders chair Chris Pellegrini interviewed UniCare General Manager David Morales about his career trajectory and leadership style. Morales offered the gathering of young professionals his advice and insight. Thirty young professionals from around the North Shore attended the recent “Lunch and Learn.”
Photo credit

Sayings that signal success

Some years ago, when I was CEO of “Baby Talk,” America’s oldest baby magazine, my Editorial Director, Susan, came to me with an idea. Her eyes sparkled as she proposed a new advertising-supported magazine and website aimed at the one-third of American mothers who read at a sixth-grade-level or lower.

“Hmm,” I said to myself. “Would our advertisers support a media property for parents who may have difficulty reading the articles, not to mention the ads, and who likely have limited income?”

I thanked her for her “interesting idea” and promised to get back to her. I was skeptical but felt I owed her the courtesy of an investigation. I’d ask a couple advertisers, they’d say, “No way,” and that would be the end of it.

Johnson & Johnson was my first target. To my surprise, their ad agency responded, “Wow, that’s just the kind of property J&J wants to advertise in. They’re looking to improve their corporate image. Can we buy out the entire first issue, and can we be on the website landing page?”

Several other advertisers had the same reaction. Furthermore, the American College of Obstetricians and Gynecologists promised to make stacks of the magazine, eventually called BABY!, available in every obstetrician’s office in America.

I learned an important lesson: Some leaders, like me in this case, overvalue their judgment. So, when you are seeking new growth strategies, listen to your team members first. You’ll unleash their creativity. As the saying goes, “ideas are like little children: we all love our own.” Your team will also become more committed to executing a strategy they have helped develop. Think about your own self. Do you want to execute someone else’s ideas over your own? Would you want to be excluded from strategy-setting?

When all team members have been heard, strive for a team consensus. This may take longer than if you just

told your team what to do. There may be research to be done, debate to be listened to, and conflicts to be resolved. Eventually, you and your team will arrive at a well-thought-out game plan that will be enthusiastically embraced. Remember, “Those who plan the battle rarely battle the plan.”

You can even include your suppliers as team members. I once held a top management meeting during a particularly snowy winter’s day. My administrative assistant cautiously knocked on the conference room door. “Rich,” she said. “The printer (who I knew was in the middle of our 1,250,000 monthly “Baby Talk” print run) wants to talk with you.” I replied, “Unless the roof is falling in, I’ll call them back later.”

We resumed our meeting, but the admin soon returned. “That’s exactly what’s happened. The plant roof has collapsed from the snow. It’s a disaster zone.”

I rushed out of the room and took the call. “Well, there’s good news, too,” our printer’s rep said. “We are mobilizing our whole company to print your magazine at a competitor’s plant. You won’t miss a beat, and we’ll pay any extra costs.” What better team member could I have?

The lesson I learned was: “Make your vendors your

Richard Huttner is an executive coach who helps CEOs and senior leaders tackle tough problems and take full advantage of new opportunities. Formerly, he was CEO of three successful companies and owner of Crestcom, a Mass leadership and management skills firm. He is a graduate of Yale and the Stanford Business School.
Makes Chapters Recovery Different? At Chapters Recovery, we believe in treating the whole person –mind, body, and soul. We offer a range of both holistic and evidence-based treatment options to help our patients heal in all areas of their life. We pride ourselves on providing individualized care for each and every one of our clients. We believe that no two people are alike, and therefore no two treatment plans should be alike either. Contact us today to learn more about how we can help you or your loved one on the road to recovery. Call Us: 855.626.0800

Knowing your banker is important.

M&T Bank is proud to support the communities where we live and work. Our success is measured by cultivating long-term relationships with our clients, by understanding their needs, and helping them achieve their goals.

By being a part of the M&T family, you are part of an organifiation that believes in working hard for our clients and communities.

A strong, trusted partner, every step of the way forward.


As one of the region’s leading banks in Small Business Banking, we’re deeply committed to providing you and your business:

Responsive, professional service. You’ll work with dedicated professionals and product specialists who will listen, guide and support you every step of the way, no matter what your goals are for today or the future.

Award winning excellence. M&T ranks as one of the Top 5 SBA lenders nationally and is consistently recognified by Greenwich Associates for excellence in Small Business Banking.

Commitment to community. M&T Bank’s approach to Business Banking is based on our belief in the importance of establishing strong relationships with our customers and the local communities within which we do business.


All⁻loans⁻lines⁻of⁻credit⁻and⁻all⁻terms⁻referenced⁻herein⁻are⁻subject⁻to⁻receipt⁻of⁻a⁻complete⁻T⁻application⁻credit⁻approval⁻and⁻other⁻conditions⁻Terms⁻offered⁻are⁻available⁻for⁻business⁻purpose⁻loans⁻only⁻but⁻are⁻not⁻available⁻for⁻refinancing⁻or consolidating⁻existing⁻T⁻credit⁻or⁻credit⁻requiring⁻an⁻″BA⁻loan⁻guaranty⁻oans⁻may⁻be⁻subject⁻to⁻commitment⁻and⁻prepayment⁻fees⁻as⁻applicable⁻Borrower⁻is⁻responsible⁻for⁻any⁻appraisal⁻environmental⁻assessment⁻title⁻insurance⁻and⁻bank⁻attorney⁻ fees⁻that⁻may⁻apply⁻Other⁻terms⁻conditions⁻fees⁻and⁻restrictions⁻may⁻apply

All⁻products⁻and⁻services⁻are⁻subject⁻to⁻eligibilit y⁻and⁻restrictions⁻may⁻apply⁻

The⁻″BA⁻Top⁻⁻ational⁻ender⁻is⁻based⁻on⁻statistics⁻released⁻by⁻the⁻″mall⁻Business⁻Administration⁻″BA⁻for⁻total⁻approved⁻loans⁻through⁻the⁻″BAs⁻7a⁻lending⁻program⁻during⁻the⁻fiscal⁻year⁻ending⁻≥ ″ource:⁻Coalition⁻reenwich⁻⁻Commercial⁻Banking⁻Program

Unless⁻otherwise⁻specified⁻all⁻advertised⁻offers⁻and⁻terms⁻and⁻conditions⁻of⁻accounts⁻and⁻services⁻ar e⁻subject⁻to⁻change⁻at⁻any⁻time⁻without⁻notice⁻After⁻an⁻account⁻is⁻opened⁻or⁻service⁻begins⁻it⁻is⁻subject⁻to⁻its⁻features⁻conditions⁻and⁻terms⁻which⁻are⁻ subject⁻to⁻change⁻at⁻any⁻time⁻in⁻accordance⁻with⁻applicable⁻laws⁻and⁻agreements⁻Please⁻contact⁻an⁻T⁻representative⁻for⁻details⁻


Developing business leaders through nonprofit board service

There’s nothing quite as powerful as partnership. We see this here on the North Shore and across Essex County, where cross-sector collaborations are having a big impact on our region’s major social challenges – like food insecurity and the digital divide – and fueling innovation and progress.

Deepening and broadening these cross-sector relationships, particularly the ones between the for-profit and nonprofit communities, is good for many reasons. It creates a sort of synergy that is not only mutually beneficial, but also meaningful and long-lasting.

For businesses, one way to achieve this symbiotic relationship is to encourage employees, particularly the emerging leaders of your company or firm – who are eager to learn, develop and innovate – to volunteer on a nonprofit board.


Essex County is home to more than 4,000 nonprofit organizations, which work hard every day to support worthy causes in our communities and create equitable opportunities for all. Most of these organizations rely heavily on volunteers for critical activities such as fundraising, strategic planning, advocacy and more.

But a recent study by the University of Maryland School of Public Policy’s Do Good Institute revealed that nearly half of nonprofit CEOs say that securing volunteers is a “big problem,” with more than 35 percent reporting a dearth of volunteers with the right skills.

Local nonprofits need business leaders’ skills and talents. And when your business encourages employees to serve on a nonprofit board, whether through formal board placement programs or more informally through conversations about the value and impact of board service, you are leveraging your most valuable asset – your people – to support life-changing work in our communities.


It goes without saying that board service, if the nonprofit is chosen carefully, can be fulfilling work that leads to personal satisfaction and purpose. But research and data also reveal board volunteers experience personal benefits far beyond that.

Board service introduces people to new perspectives, particularly if the chosen nonprofit is committed to board diversity and onboarding members with lived experience. It can also increase an employee’s capacity for collaboration, empathy and healthy debate. And serving on a board exposes people to aspects of organizational development – like finance, fundraising and governance – that they may not be exposed to at work.

A 2018 study by Korngold Consulting, LLC, found that after just one or two years of nonprofit board service:

 69 percent thought they had become better leaders.

 65 percent felt ready to take on more work responsibility.

 69 percent felt more useful at work.

Michelle Xiarhos Curran is a communciations writer/storyteller for the Essex County Community Foundation.

 64 percent found more meaning in their work.

 55 percent said they were better qualified for a promotion.

Because of the breadth of opportunity nonprofit board service affords, it helps your employees – particularly emerging leaders – develop new talents and strengthen foundational skills such as confidence, critical thinking and dependability, that are necessary for future leadership.


Encouraging nonprofit board service not only supports your community and your employees, but it also directly impacts your business.

A 2021 study by the Boston College Center for Corporate Citizenship found that of the 51 percent that measure the connection, 96 percent of companies find that employees who volunteer, and this includes board service, are more engaged than peers who do not.

Here are some of the ways this engagement can show up in the workplace.

single day for your company’s future.


When you join a nonprofit board, you’ll likely meet professionals and leaders from a wide variety of sectors and industries who will introduce you, your employees and your business to new ideas and opportunities. You might connect with a new vendor or potential client. Or perhaps you get the chance to participate in an event or initiative that creates new pathways for your business to increase its involvement in the community, leading then to more opportunities.

is still much work to be done when it comes to matters of equity and diversity, research indicates that elevating its importance in the workplace expands access to talent and skills, boosts performance, increases innovation and leads to better, more efficient decision-making.


Encouraging and supporting opportunities for employees to give back to the community while developing skills that promote career growth helps businesses attract and retain talent. According to a 2022 Deloitte survey, millennials and Gen Z’ers say a sense of purpose is critical – along with a positive work-life balance and pay — when choosing new employers. Nearly two in five of the younger generations, and nearly half of those in leadership positions, have rejected a job because it didn’t align with their personal ethics.



Nonprofit board leaders are expected to work together to make decisions that guide and direct a nonprofit towards a singular mission, often under budgetary constraints.

Coming through the other side of a collaborative decision-making process in which “the big picture” is always top of mind is a valuable experience to bring back to the workplace, where critical decisions are being made every


Because of the nature of their work, nonprofit organizations are increasingly looking at every aspect of operations through an equity lens. Introducing your business’ emerging leaders to this way of thinking increases their capacity to listen to the perspectives, opinions and life experiences of people from different backgrounds.

Why does this matter? Though there

remote or hybrid workers makes this challenge even more difficult.

Lastly, almost every CEO — and team leaders at all levels — face the problem of team member motivation: According to recent Gallup research, only 36 percent of U.S. employees are engaged in their work and workplace.* Having

Harvard Business School professor, Teresa Amabile, in her book, “The Progress Principle,” explains how to improve motivation. Her research shows, if you encourage leaders throughout your organization to recognize the progress team members make, their motivation and productivity will take a giant step forward.

“Actively recognizing progress is almost always inspiring and will have everyone pushing even harder.” (After Denzel J. Wellington, author of “Goal Setting”).

This brings us to the best management principle I ever heard, and it encompasses most of the others in this article. I even include it in the title of my book, “The Universal Management Principle Workbook, How to Motivate Your Team Better.”

At Essex County Community Foundation (ECCF), we believe in this power of partnership. This is why ECCF hosts BoardConnect, a program that leverages training resources from the United Way and connects talented area professionals with nonprofits seeking new board members at fun, causal meetand-greet events. Information on the next BoardConnect event will be available in the early fall. If you have questions about the program, contact Carol Lavoie Schuster at c.lavoieschuster@ I partners.” I made it a point thereafter to visit every one of them. I always learned something about how our company could save money, do things better, or grow our business. And I built valuable relationships that could help us in future crises.

The saying, first attributed to Teddy Roosevelt, is: “People don’t care how much you know until they know how much you care.”

Always keep this one front and center. I

* workplace/352949/employee-engagementholds-steady-first-half-2021.aspx

 LEADERSHIP, from Page 11


Jennifer Hocherman, Associate Principal at SV Design, is pleased to welcome Ian Staber as Project Manager to the firm’s commercial architecture team.

Staber brings 13 years of experience ranging from architectural design, kitchen and cabinet design, project management, and facilities management.

As project manager, Ian is overseeing several local, affordable housing developments and will be working on multi-family and institutional projects from conception to completion.

“We are thrilled to have Ian as part of the team. His expertise and client-friendly demeanor are a welcome addition to the SV Design family,” Hocherman said. “Ian has jumped in seamlessly to manage projects in all phases of design and construction, and his positive attitude and problem-solving approach are an asset to our project teams.”

Staber received his Bachelor of Science and Master of Architecture degrees from Northeastern University. He worked throughout his education as a draftsman for a small residential architecture firm in Connecticut before moving on to project management positions at Cresa, BOSE, and Harvard Real Estate Services in the greater Boston Area, where he developed a skill for balancing ideal design concepts with realistic solutions.

He spent four years living in the mountains of Colorado, first working as a custom cabinetry designer then moving into a residential architect position and acquiring insight into the detail-oriented nature of cabinetry, custom millwork, kitchen and bath design, construction administration, and project management.

Upon moving back east, Staber specialized in commercial tenant fit-outs, hospitality and office building renovations, and multi-family housing at LaFreniere Architects in Cambridge, where he gained additional experience in commercial work, lighting, and finishes. Most recently before joining SV Design, Ian worked with Seger Architects in Salem, applying his collective experience to achieve balanced design solutions for projects ranging from office fit-outs, multi-families, dormitories, and restaurants.

Ian lives in Salem with his wife and two kids. On the side, he creates custom calligraphy designs and paints large scale murals as Esoteric Calligraffiti.

Associated Industries of Massachusetts (AIM) has a new president.

President and CEO John Regan is stepping down at year-end and will be succeeded by the organization’s Chief Government Affairs Executive, Brooke Thomson. To support a smooth transition, Regan will remain in the CEO role through the end of the year, at which point, Thomson will assume that role. She has already assumed the role of president.

Before joining AIM’s leadership team more than four years ago, Thomson was a member of the AIM board. In her current role, she has been responsible for designing and advancing

To submit a news item for The Chamber Briefcase, please email

AIM’s policy agenda and strengthening relationships with elected officials and business leaders on Beacon Hill and throughout the commonwealth – all the while ensuring that employer needs were represented at every level of the public policy-making process.

She has been successful on all counts and is committed to expanding the progress AIM has made in diversifying its membership, reflecting the statewide business community needs, and advancing policies that support both economic competitiveness and economic opportunity for the people of Massachusetts. Thomson previously served as vice president of Government Affairs for AT&T and is a former senior official with the Massachusetts Attorney General’s office.

The Linden, Danvers, has been named a “Best Assisted Living and Memory Care Community” by U.S. News and World Report.

The report, now in its second year, evaluates nearly 4,000 U.S. communities in one or more of the following categories: independent living, assisted living, memory care and continuing care retirement.

The recognized communities “excel in making residents feel safe, well cared for and highly satisfied by the services provided,” Zach Adams, senior health data engineer at U.S. News, said in a news release. The communities are chosen based on the responses by resident and family surveys. I


Three ways to become a great leader

Intelligent Leadership Executive Coaching

As an experienced leader, do you consider yourself a great leader? Or have you been thrust into a new leadership position but you never had leadership training? Does your company have a pipeline of emerging leaders in its succession plan?

Today’s leaders face many challenges, such as aligning their teams with the corporate strategy, motivating their teams, and maintaining a strong company culture.

Whether you’re a current or emerging leader, it’s important to identify the unique strengths and traits you want to embody. To become a great leader, you must continually nurture, strengthen, and leverage your talents in order to be the absolute best leader you can while helping your organization achieve its strategic goals.

1.) Know yourself and understand how you show up every day.

Great leaders inherently know themselves well - their character, values, and beliefs - defined as the Inner Core™. This selfknowledge produces a better Outer Core™ which are the characteristics people around you observe and experience.

This Wheel defines the components of what drives great leaders:

2.) Find your Leadership Gifts and Gaps

The Intelligent Leadership Executive Coaching methodology uncovers and assesses your nine inner core traits. Once you, as a leader or emerging leader, isolate your individual values, you can better understand why you act and behave as you do. When you start exploring your own unique value and character you can develop a better roadmap to elevate your leadership legacy. The assessment that I offer compares leaders to over 15,000 other corporate leaders and ranks your scores for each trait.

3.) Get Help

The “leadership coaching space” is very crowded. There are many different methodologies. The decision to embark on a leadership coaching journey is a personal one. It’s important to not only understand the methodology, but the client and a coach need to have a good connection. Ease of communication is critical; the structure of the sessions needs to be in alignment as well. If you truly believe you can and want to elevate your leadership legacy executive coaching can help. I

Deane Gyllenhaal is a Master Certified Leadership Coach with Intelligent Leadership Executive Coaching and a member of the Chamber.

Which construction model fits your growing business?

One of the most important decisions when embarking on a construction project is also one of the most overlooked: which method of design and construction delivery will meet your organizations’ needs and objectives?

Business owners may be tempted to forego making this decision until design is underway. However, a comprehensive understanding of each option will enable your organization to make the most informed and cost-effective planning decisions.

Part of Connolly Brothers’ mission as a construction manager is to provide our clients with the guidance and expertise needed to select the model that will deliver the best possible results for your construction project. Because Connolly Brothers has successfully completed projects with all three of the most frequently used commercial construction approaches – general contractor (GC), construction manager at risk (CMAR), and designbuild – we are well-positioned to provide a comparative overview.

The general contractor model is the most widely used, or “traditional,” construction project delivery method. In this model, the owner first hires an architect to start defining the scope of work and produce schematic designs. Bid requests, the project scope, and architectural drawings are sent to selected general contractors for pricing. The owner pays the architect for the plans and chooses a general contractor based on cost, schedule, qualifications, etc.

The GC model offers baked-in price competition. Therefore, if the project is cost-driven, general contracting can work best for the owner. The trade-off is less flexibility when it comes to scope or design changes and how those affect the overall project budget.

Errors or inefficiencies can occur when the project scope is not clearly defined from the outset, resulting in a lack of direction for the design team. This in turn

can lead to insufficient information in the bid package sent to general contractors for pricing and may result in a less-accurate and ineffective pricing effort. However, this approach may be most appealing to owners who wish to be closely involved with the coordination of the project scope and design, as it provides the owner with a comprehensive understanding of the project budget.

In a construction manager at risk (CMAR) model, the construction manager (CM) is hired at any point during the planning and design stages. The CM’s role is to collaborate on finding the best design and construction solutions for the project, to review the architect’s plans for constructability, and to provide cost estimating at various intervals for budgeting purposes. Once the design development process is completed, the CM will proceed with cost estimating, resulting in a guaranteed maximum price (GMP) for construction of the project. The CM proceeds to hire the subcontractors and, moving forward, is responsible for guaranteeing their work.

In a CMAR approach, risk transfer occurs; the construction manager is considered “at risk” in this model because if the project exceeds the GMP, it is the construction manager, not the owner, who suffers the financial consequences of the overage. Holding separate contracts for both architecture and construction, the owner has significant agency in these relationships. This structure is very advantageous when it comes to controlling both cost and schedule. Coordination and a high degree of trust on the part of the owner is essential for meeting the construction completion date. This can either be an advantage or a disadvantage, depending on the owner’s time commitment plans.

An advantage of this approach for the owner is access to detailed budgetary options during the design phase. This enables the owner to use cost information provided by the CM early on to make critical decisions about program elements, construction type, building systems, subcontractor selection, and finishes within the context of the overall project goals and design intent. Some CMAR contracts may build in incentives for the construction

Jay Connolly is president of Connolly Brothers, Inc.

manager in the form of a shared savings agreement if the CM’s cost of completion is less than the GMP.

Design-build is the fastest-growing construction project delivery method in the United States. In this model, the owner hires a design-builder who serves as the design and construction

manager. The design-builder oversees every aspect of the project, including hiring subcontractors, engineers, consultants, and an architect. Unlike the two models above, with design-build, the owner has one contract, contact, and point of responsibility. The designbuilder develops a preliminary scope

with the owner, which the architect then uses as the basis for schematic design. The design-builder starts developing a GMP for construction of the project. The design phase continues as the construction phase begins.

Design-build is considered the most efficient or fast-track-friendly construction approach because budgeting, pricing, design, and early construction work may all happen simultaneously. Because the design and construction teams are unified from the start, the design-builder can order materials with long-lead times and develop a phased approach to executing construction early on, paving the way for an accelerated timeline.

While there is no “one-size-fits-all” option, understanding the strengths and weaknesses of each model will help align your organization’s priorities with the approach that will maximize the results and success of the construction project. Whichever model is selected, one thing that has not changed since our founding in 1880 is this: any construction approach will only be as good as the standards and care of those who practice it. I




The ultimate, all-in-one resource to manage your energy accounts and enroll in paperless billing is here:

My Business Account portal

Save time. Manage smarter. Cut costs.

Seamless Bill Pay

View bills and set up payments quickly and easily, whether you have one account or many. Enroll in programs like paperless billing and save preferred payment methods with a click.

One Central Dashboard

See all your accounts in one place. With the My Business Account Dashboard, you can group, filter, search, and sort your accounts and conveniently set preferences. You can also download your bills and billing information.

Committed to your Business

You have the power to make My Business Account even better. Give feedback, request new features and share your experience with us right on the platform.

Learn more at

IN 1919
Woburn, MA / Boston, MA Manchester, NH / Concord, NH / Portsmouth, NH
Financial Planning Investment Policy Review Tailored Portfolio Solutions Helping Clients Make Informed Financial Decisions with Confidence Patricia B Beckwith, CFP®, AEP®, RICP® Office 978 777 5500 85 Constitution Lane, Ste 100E, Danvers patricia beckwith@raymondjames com ConstitutionFinancialPartners com Securities offered through Raymond James Financial Services, Inc. member FINRA/SIPC. Investment advisory services are offered through Raymond James Financial Services Advisors, Inc. Constitution Financial Partners is not a registered broker/dealer and is independent of Raymond James Financial Services
1 2 3

Celebrating the North Shore’s Valedictorians

Not pictured:


‘Live life to the fullest’

You have all proven your resiliency and ability to overcome great challenges during your high school careers. You should be very proud.

You each have the potential to do great things, and your futures are very bright. I wish each of you the best as you go forward to define what success means for you. Enjoy the work of striving to attain it, and then experience the deep satisfaction of achieving it.

I’ve found that the good memories you will hold throughout your life are of the things that you did and the chances you took, not of the risks averted or the times

you played it safe. So, I encourage you to get outside your comfort zones. Push yourselves to learn and experience new things so that you can discover new interests and passions and live life to the fullest.

Congratulations to the 2023 scholars for their accomplishments, to all parents for the support they provided that has helped make their success possible, and to all educators and community leaders who invested in nurturing this future generation of leaders.



Region’s top high school students lauded at Honor Scholars Recognition Dinner

For more than 50 years, the North Shore Chamber has gathered the region’s top high school seniors together to celebrate their academic accomplishments and to spotlight their success.

The Chamber’s annual North Shore Honor Scholars Dinner was held on May 10 and highlighted the top 5 percent of graduating seniors from more than 30 public and private high schools across the region. More than 350 seniors were recognized. They were joined by family members, school officials and representatives of the business community at the DoubleTree by Hilton in Danvers.

The event’s premier sponsor was EBSCO Information Services, based in Ipswich, a leading provider of research databases, e-journals, magazine subscriptions, ebooks and discovery service for academic libraries, K-12 schools and public libraries.

Tim Collins, CEO and founder of EBSCO Information Services, delivered the keynote address. As he spoke to students, Collins shared his “6 Principles for Success in Your Life”: Balance thinking and doing; Stay positive; Be your word; Help others; Be driven; and Minimize regrets. Collins’ provided each Honor Scholar with a copy of his inspirational book where he discusses those principles.

Justin Chen, of Beverly High School, and Arsema Gebreyesus, a student at Lynn English High School opened the program and led the audience in the Pledge of Allegience.

Salem High School valedictorian

Alessandra Granniss performed the National Anthem.

Each scholar’s name was read aloud by a representative of their school. Principals, assistant principals, guidance counselors and other educators took turns at the podium. Joe Riley, executive vice president

of Retail Banking Services for Salem Five Bank and the chairman of the Chamber’s Board of Directors, and David Morales, general manager of UniCare and a member of the Board of Directors, presented the scholars with their certificates of achievement.

Karen Andreas, president and CEO of the North Shore Chamber, served as emcee.

The Honor Scholars tradition began in 1968 with only the students of Beverly High School being recognized. That’s because The Chamber — at that time — served only the City of Beverly. As The Chamber expanded to encompass the entire North Shore, so, too, did the scope of the Honor Scholars event.

This year’s Honor Scholars recognized students from Beverly High School, Bishop Fenwick High School in Peabody, Clark School in Rowley, Covenant Christian Academy in Peabody, Danvers High School, Essex North Shore Agricultural & Technical High School in Hathorne, Gloucester High School, Hamilton-Wenham Regional High School, Ipswich High School, Landmark School in Beverly, Lynn Classical High School, Lynn English High School, Lynn Vocational Technical Institute, Lynnfield High School, Manchester Essex Regional High School, Marblehead High School and Masconomet Regional High School in Boxford.

Also, New England Academy in Beverly, Newburyport High School, North Andover High School, North Reading High School, Northeast Metropolitan Regional Vocational High School in Wakefield, Peabody Veterans Memorial High School, Peabody P.R.E.P. (Peabody Personalized Remote Education Program), Pingree School, Rockport High School, St. John’s Preparatory School in Danvers, St. Mary’s High School in Lynn, Salem Academy, Salem High School, Saugus High School, Swampscott High School, Triton

“ On behalf of the 2,100, deeply committed Eastern Bank employees who I represent, congratulations on being named a 2023 Honor Scholar. To achieve top 5% status in your class is a truly extraordinary feat that required discipline, acumen and consistency. As a parent of a 2015 North Shore Chamber Honor Scholar, I can attest to how proud your parents, families and friends are of you. Best of luck in the future, and please don’t hesitate to reach out to any of us at Eastern Bank along the way.”

As president and CEO of the Institution for Savings, I congratulate all students being honored tonight for graduating in the top 5% of your class. Only 345 students on the North Shore have achieved this. We are proud of you all — the very best of luck in the future!”



On behalf of North Shore Bank, I would like to congratulate all of tonight’s honorees for their momentous achievement. We’re proud to participate in this wonderful occasion of recognition. Your diligent work, enthusiasm and devotion to excellence has paid off, and we wish you much success in your future endeavors.”

“ Congratulations to all who have earned these highest honors. Your community is proud of the work that you have put forth. Best of luck to all in your future endeavors!”

Chapters Recovery Center

On behalf of everyone at UniCare, it is my great pleasure to wish this year’s Honor Scholars a heartfelt congratulations for a job well done. You have a bright future ahead, and we are excited to watch you do great things. Stay focused, continue to work hard, and achieve the impossible!”

Photos by Mike Dean

On behalf of Windover Construction, congratulations to all the 2023 Honor Scholars! The satisfaction of doing your best is a great reward, and you are so very deserving of tonight’s spotlight. Yours is an accomplishment to applaud and one which will inspire future generations of students for many years to come.”

“ Congratulations on this amazing achievement. As you take the next step on your journey, remember you have the potential to be anything you strive to be. All you have to do is believe that you can and keep aiming higher, be patient while you work and, most importantly, always be kind.”


and CEO, Beverly and Addison Gilbert hospitals

NORTHSHORECHAMBER.ORG 27 Come Experience the Tri-City Difference Salem 262 Highland Ave 978-744-6100 Ipswich 95 Turnpike Road Route 1 978-412-0033 Family-owned and serving the Northshore for over 60 years

We are proud to support the North Shore Chamber of Commerce 2023 Honors Scholars. Congratulations!




7 seconds to make a first impression


According to Forbes, you have seven seconds to make a first impression. And...go!

But seriously, how do you convey your brand, your product, and your business in such a short amount of time?

The answer lies in the image. It is the first thing people see when they log into your website, open your email or follow you on social media. Potential customers “see” you long before they have a chance to hear your elevator

pitch, scroll your product offerings, or read your story. The old adage of “people buy from people” has never been truer in today’s information overload world. The image you portray represents your brand and your company. With the right headshot, you can cut through all the noise and instantly build trust. As a professional photographer with more than 10 years of experience, I wholeheartedly believe investing in your brand image is paramount to your success.

Branding is about crafting the image you want to share. It’s a way of creating clarity and connectivity between who you are, what you do, and how people perceive you. It’s important to create content that will make an impact, showcase your unique skills and talents, and help stand out in the crowd.

When someone hires me to do a headshot, it’s way more than a one and done event, and it should be the same for you. No matter what photographer you choose, remember your image is the threshold to your company’s doorway.

The secret sauce I use with my own clients follows a simple formula:


CLARITY: What image do you want to portray that represents your business?

CONTENT: Colors, props, expressions, wardrobe, background, and usage is all part of the end image.


Kristen Zannella is the owner of Kristen Zannella Photography and is a member of the Chamber.

What does the new retirement law mean for you?

On Dec. 29, 2022, SECURE 2.0, the retirement savings reform bill, was signed into law by President Biden.

While most provisions of SECURE 2.0 will not take effect immediately, the legislation promises to alter the retirement landscape for millions of Americans and the businesses that employ them.

Why is this important? Today, more than half of all American workers are stressed about their finances – and it interferes with their ability to focus while on the job.

Six in 10 employees report that saving for the future is their number one stressor. Furthermore, 28 percent of employees say their health has been impacted by their financial worries.

The objective of Secure 2.0 is simple: help more Americans save for retirement. How that looks in practice gets a little more complicated. Secure 2.0 is made up of more than 90 provisions and addresses nearly every angle of the retirement savings journey. One major theme: increase access to retirement savings plans. Today there are 57 million Americans without access to an employer-sponsored retirement plan. Tax incentives and cost-effective solutions are a major theme to incentivize business owners to start these programs.

One of the most interesting concepts of the new retirement plan design includes matching student loan payments. Rather than leaving “free money” on the table in the form of a company match to retirement savings, this will allow employees who are focused on paying off student debt the opportunity to take advantage of the matching benefit in a way that is aligned with their goals. Additionally, plan design will now allow for the creation of an emergency savings account. This account, known as a PLESA (Pension-Linked


Doug Wilson is a vice president at Timescale Financial, a OneDigital company.

CONTINUITY: How does this image flow with your current brand and how does it speak to your audience?

CONNECTION: The final image must connect you with your current and prospective client base. PS You should also have a connection with your photographer before you even step into their studio. Trust me, you can tell the difference in the end result!

CREATIVITY: Not all headshots are created equal! Have fun, be creative!

EMPOWERMEN T : Especially for women, professional styling (hair, makeup, and clothing choices) can create a sense of confidence before ever stepping in front of the camera.

Below are some tried-and-true tips for getting the best headshot to represent YOU, your brand and your company:

Think about what type of business you need your headshot for. Are you a lawyer, real estate agent, gym owner,

or musician? Different companies offer different products, so it makes sense that the images will vary too. The corporate headshot has evolved over the years and today, it is contemporary, highly styled, and created to show your authentic brand.

How, when and where are you going to use your image? There is a lot (expressions, seasons, wardrobe, props, background, business cards, social media platforms, websites, billboards, for sale signs) that goes into this threepart question and a good photographer should know the answers before they ever snap the first shot.

How do you want to be portrayed (business casual, brand colors, personality)?

Colors matter, You may think this is obvious, but it is more powerful than you might think. Color choice goes deeper than your favorite shade of blue. They play a quiet, yet prominent role in our lives and influence our thinking, inspire our decision making, impact our moods, cause changes, evoke reactions (both

good and bad). For example, purple often evokes feelings of royalty and luxury, but also portrays mystery and magic.

Have fun! Bring the creative energy that sets you apart from everyone else to the shoot. It’s important to focus on creating content that is fun and energetic. This will help engage potential customers in a more meaningful way.

Find the right photographer, be prepared, and don’t be afraid to be creative and have fun. With the right approach, you’ll be able to create a memorable personal brand that will help your business succeed. Don’t let anything hold you back; start building your personal brand today. With a clear sense of your brand, authenticity to showcase your strengths, and plenty of creativity — you can create the personal brand you’ve always wanted.

If you need help, I’m happy to work with you to curate a photo shoot reflecting your vision and your brand! You can learn more about Kristen Zannella Photography at I

Emergency Savings Account), is designed to be set up as a separate account that non-highly compensated employees can access for emergency expenses, thereby avoiding the need to dip into their retirement account to cover these types of expenses.

One of the key changes to existing rules and regulations applies to the Required Minimum Distribution (RMD) beginning dates. As of Jan. 1, 2023, the new age for RMDs is now age 73. For individuals born in 1951, this year would have been the year in which they needed to begin taking these distributions from retirement accounts. Now, they have an extra year before they need to begin taking RMDs. By the year 2033, the RMD age will be raised to 75.

For companies that have significant part-time employees, there are some adjustments to note regarding those part-time employees who have accrued significant service time. Previously, the first version of the SECURE Act (SECURE Act 1.0 effective January 1, 2020) required part-time workers who had worked 3 consecutive years for at least 500 hours per year to be eligible for participation in the retirement plan.

SECURE Act 2.0 now reduces that timeline to 2 years. That said, employers do not need to consider hours worked prior to 2021 for determining eligibility.

Another key change to existing compliance rules makes long-awaited changes to the “Top-Heavy Rules.” In top-heavy retirement plans, the owners and most highly compensated employees own more than 60 percent of the assets. Oftentimes, these plans can run into issues with IRS compliance testing that seeks to protect the non-highly compensated employees. However, these tests have been known to create unnecessary regulatory headaches for small businesses. Going forward, employees who do not satisfy minimum age and service eligibility rules - including being at least age 21 and one year of service, can be excluded from these tests in an effort to produce results that reflect the status of the plan as authentically as possible. This will be effective for plans beginning after Dec. 31, 2023.

Lastly, there are some interesting changes that were made to “Catch-Up Contribution Rules” that will require Roth treatment for these types of deferrals. A “Catch-Up Contribution”

allows those who are age 50 and older to make additional deferrals into their retirement plan beyond the annual IRS limit. For 2023, this amount is $7,500, which can be contributed over and above the IRS annual limit for 2023 of $22,500. Beginning in 2024, anyone making a catch-up contribution that is earning more than $145,000 per year will have to make these deferrals on a Roth (after-income tax) basis. Additionally, upon reaching age 60, participants will be able to increase their catch-up deferrals to the greater of $10,000 or 50 percent more than the regular catchup amount, beginning in 2025.

In summary, the new provisions included in SECURE 2.0 impact both retirement plan sponsors and employees in a variety of ways. Right now, it is incredibly important that retirement plan sponsors and small businesses understand how to take advantage of and stay in compliance with the new laws. The restructuring of retirement through Secure Act 2.0 is set to help create around $40 billion dollars in retirement savings over the next decade. Complimentary plan reviews are offered by OneDigital Retirement Plan Consultants. I

from Page 29
RETIREMENT, from Page 30

Travelling internationally?



Solomon Private Wealth LLC recently compiled five useful tips for those preparing for a vacation outside the U.S. Whether you’re heading to Europe, Asia, or another part of the world, careful preparation can help you avoid unexpected surprises or issues.

Here are answers to a few common questions travelers may have:

Should I exchange money at my local bank before I leave or wait to do it there?

While exchanging money before you leave may be convenient, you may not get the best exchange rate. It’s often better to wait and exchange money at your destination at a local bank or currency exchange kiosk. However, research exchange rates beforehand and watch out for hidden fees.

Pro tip: Avoid exchanging money at the airport; that’s where you’ll probably get the worst deal.

What should I know about using credit cards abroad, and is it better to have vendors do the conversion or let the credit card company do it?

One idea to consider is using zero foreign transaction fee cards, letting the credit card company handle conversions. The credit card company typically offers more competitive exchange rates.

Pro tip: Be sure to notify your credit card company of your travel itinerary in advance to avoid unexpected declines.

What are the best electronic adapters to buy?

Electrical systems and outlets vary by country, so it’s essential to research the electrical requirements of your destination and bring appropriate converters and adapters for your electronics and appliances. Here are three to consider:

EPICKA Universal Travel Adapter: This compact adapter can work in the U.S., Europe, Australia, and the U.K. It’s lightweight and small.

BESTEK Universal Travel Adapter: This adapter is designed for travelers with many devices. You can plug up to seven things into this adapter.

Bonazza All in ONE World Travel Plug Power: Compatible with plugs in over 150 countries, this adapter is good for everything from hair dryers to cell phones.

What should I do if my passport is lost or stolen abroad?

Losing your passport while traveling can be a nightmare, so it’s important to be prepared just in case. Make a copy of your passport and keep it separate from the original. Having it can help make the passport-replacement process a bit easier.

You’ll need to contact the nearest U.S. embassy or American consulate to declare your passport misplaced or stolen. To replace your passport, you must submit a passport application form in person at the embassy or consulate. Remember, once a passport is reported missing, it’s entered into the State Department’s database and flagged, so if you find your old passport, it’s no longer valid for travel.

Pro tip: Consider packing a passport-size photo. If you lose your passport, you will need to have a photo to get a new passport issued.

How do I avoid getting pickpocketed?

Pickpocketing is a common occurrence in many popular tourist destinations. To avoid being a victim, use your instincts and follow these tips:

 Always be aware of your surroundings and be a difficult target by walking purposefully.

 Never use your back pocket; turn your backpack or “fanny pack,” so it faces forward.

 Be careful in crowds, especially at train, bus, and subway stations—a common approach is to bump into you in the hustle and bustle.

 Avoid carrying large amounts of cash.

 Avoid counting money in public and put the money you are carrying in different pockets.

 Don’t hang your bags on the back of your chair when eating.

 Recognize common scams like dropped coins, splatters on clothes, shouts for help, offers of assistance, and sidewalk games.

 Be aware that children are often used in pickpocket scams, so be careful not to let a child distract or disarm you. I

Information in this article came from; and

Solomon Private Wealth
Bradley Small is the founder and CEO of Solomon Private Wealth and a member of the Chamber’s Board of Directors.

At Business Leads, members find supportive, attentive audience

The Chamber has a “Champagne Problem.” That is to say, the best kind of problem an organization could have. Lately, our Business Leads meetings have been packed with members!

When I speak with people about partnering with The Chamber, I make sure they know I am committed to ensure they receive ROI (Return on Investment), value, and benefit from their partnership with us. We want you to renew your membership in perpetuity. The best way to encourage that is by helping our members find greater success. We are here to Advocate, Educate and Collaborate with you and for you, but we cannot do all the heavy lifting. I am often heard saying, “You’ll get out of The

Chamber what you put into it!”

A fun, simple and effective way to promote your business is during our Business Leads meetings. Held twice per month, on the second and last Friday from 8 to 9 a.m., Leads meetings are for members only, and they are free to attend. Registration is limited to 15 members. For this reason, we require that you register using the Events tab on our website. If you ask someone who has attended recently, they will tell you that these meetings


are informative, educational, energizing and fun! It is fair to say, that is why they have become so popular.

Our mission is about helping you enjoy and appreciate “commerce.” There is no better way to do that than a forum to let others know what your business offers and find ways to support each other’s initiatives. During our roundtable, each member has a few

minutes to explain their organization, their role, and successes or challenges they may be experiencing. Conversation becomes lively as members encourage and support each other. The hour passes quickly and attendees often linger after the meeting to continue to find ways to promote each other and work together.

Leads attendees learn quickly that

these sessions are not only for what they or their organization may get out of it. Instead, they realize that they can gain by “paying it forward.” I encourage members to think about a person or an organization that could utilize the goods and services of the other members in the room. Inevitably, since one good turn deserves another, it will come back to them by way of a terrific opportunity.

New members enjoy Business Leads because, along with introducing themselves and their organization, it is also a great way to quickly get to know others. It is wonderful to see Leads attendees greeting each other at various Chamber events. As a Chamber member, prior to joining the team here, that was my personal experience and I remain grateful for it.

For members that have been less active over the last year or two, I ask that you register to attend an upcoming Business Leads meeting. I am certain you will be pleased with the energy in the room, the determination of the other attendees to find common ground, and the genuine appreciation for what each member brings to the table. You may not be able to utilize the goods or services of those in the room on that day, but you may know someone who can. Another organization, a friend, a relative, a neighbor or a colleague might be looking for exactly what your fellow Chamber member has to offer.

If you have any questions or if you would like to attend, but you are not yet a member of The Chamber, please reach out to Scott Muir at 978-774-8565, Ext. 104 or scott.muir@northshorechamber. org. I


Advice for the next generation

Ahhh the corner office. It is something out of a dream…. isn’t it? You work your whole career to land in the fancy chair...with wheels that don’t squeak, arm handles that make you look powerful and a comfortable seat cushion for the long, lonely hours you have to work. Ha. Welcome to the world of being a CEO!

Let me start with the obvious. I did not wake up when I was 21 and say, “I want to be a CEO at a YMCA someday.” In fact, my mantra was all about making a lot of money and not having to do a lot to earn it. Seemed reasonable at

the time and in step with my recent college graduate colleagues! But, as you know, after nearly 30 years with the Y organization, here I sit at the helm of an amazing social service organization focused on Youth Development, Healthy Living and Social Responsibility – the YMCA of Metro North.

What have I learned over my career that may serve as pearls of wisdom for the next generation of female CEOs? Rest assured, there will be lots more of us. I hope as I read my newspaper with size 48 font in my retirement village, the stories of female leadership will dominate the headlines. Let’s face it...we get stuff done!

So here goes:

Find a mentor. It is lonely at the top. The old joke of going into a restaurant and asking for a “table for one” is the story of my life. But now, I have a full menu of

Kathleen Walsh is president and CEO of YMCA Metro North and a member of the Thrive Advisory Council.

mentors, coaches, professional advisors, and friends that help me process, rethink, rebuild, reflect, and respond appropriately. Look for folks that may have had some shared experiences and simply ask to meet for coffee (and pick up the tab). Before you know it, your bucket will be filled with a list of people to serve as your personal advisory council!

Don’t say No. Work is “something a person or thing has to do” in the words of my second favorite running shoe, Just Do It. Do not complain and certainly do not say 'no' to an opportunity or a new role at your job. I remember, like it was yesterday, when my former boss, turned friend and mentor, asked me to oversee summer camp. At the Y, this is the considered one of the most challenging (aka dreaded) roles as it is 10 weeks of 300 campers which equals 600 (up to 1200) parents, bugs, rainy days and so much more. My first obvious question was, “how much more money will I get?” She unapologetically said “none.” Oh. So, I accepted the opportunity (to be clear, I

did not really have a choice) and it was exactly what I needed to advance my career!

Dress for the job you want NEXT! How do you want to present yourself when you walk into an office, a meeting, or an event? It matters! And certainly nearly two years in Covid sweatpants hasn’t helped the suit & dress industry! Co-workers may notice that there are days when I look like I belong at the Paper Store. Well, that is because that is going to be my retirement job (which is still many years away)! I want to wrap Yankee Candles in cute little bags and fill my house with employee discounted purchases. Truth be told, I have applied to be a seasonal worker at the Paper Store and did not even receive a call back. Twice.

Love what you do! My mom was very vocal about this. Every time I tossed out a career path, she would ever so gently remind me that I need to “have passion about what I do.” And guess what...I am in the fun business with the ability to positively impact so many people in our communities! Thank You, Mom! Two lessons with this one – follow your heart when choosing your professional path and more obvious, Listen to your Mom.

Most importantly, remember your roots. No one becomes a manager, supervisor or CEO overnight. Usually, there is a progressive path of successes and failures, fabulous days and those that are a little more chaotic, employee hits and misses and so much more. Embrace it. It is all part of the ride!

Ladies, grow your network. Find your people and soak in the knowledge. Be ready for wild success and painful failure. But, go for it! It is worth it! And, well, if anyone has any connections to the Paper Store, I would appreciate you putting in a good word for me! I




May 3, Spinelli’s, Route 1, Lynnfield

Michael Richards, policy director for the U.S. Chamber of Commerce, addressed the evolving impact of Artifical Intelligence on the buinsess community.


 REV Kitchen & Bar, 45 Enon St., Beverly

VETERINARY URGENT CARE CENTER RIBBON CUTTING 880 Broadway, Saugus, June 1, 2023 THE CHAMBER FACES & PLACES IMPACT MAGAZINE 38 NightHawks ADULT EDUCATION FOR MORE INFORMATION VISIT (978) 304-4664 565 Maple Street, Hathorne, MA 01937 The NightHawks Adult Education Program at Essex North Shore Agricultural and Technical School provides high quality industry training and trade-related courses for licensing as well as programs of interest to our community members.
MEMBERSHIP OPEN HOUSE June 20 Pontential new members gathered to learn more about the Chamber and how it can help promote their businesses. THE CHAMBER FACES & PLACES NORTHSHORECHAMBER.ORG 39 it’s time to let it thaw. If you had to freeze your gym membership, For nearly 30 years, Sports Medicine North has provided an elite level of expertise and breadth of subspecialty care few practices offer. Get the very best treatment from fellowship trained doctors right here on the North Shore. WHATYOU DONEXT CANMAKE ALLTHEDIFFERENCE. Congratulations SMN SPECIALISTS NAMED AS Top Doctors IN THE 2023 CASTLE CONNOLLY SURVEY ★ SPORTS MEDICINE • TRAUMA & FRACTURE CARE • SPINE • HAND & UPPER EXTREMITY JOINT REPLACEMENT/REVISIONS • FOOT & ANKLE • PHYSI CAL THERAPY • AND MORE PEABODY | BEVERLY NEWBURYPORT | GLOUCESTER Most major insurance plans accepted. All of our physicians are affiliated with the New England Baptist Orthopedics Program at Anna Jaques Hospital and Beverly Hospital. | 978-818-6350

June 7, Boston Marriott Peabody

Members of the Emerging Leaders spoke about the initative and participated in a panel discussion about today’s business climate and how to attract and retain young professionals.

THE CHAMBER FACES & PLACES IMPACT MAGAZINE 40 4 State-of-the-Art Facilities 205 Group Fitness Classes 215 Hours of Lap Swimming Free Pickleball Courts Nationwide Membership Reciprocity Y Level Financial Assistance JOIN TODAY! NORTH SHORE CHAMBER MEMBERS 20% OFF USE CODE: NSCC20 Join our YMCA of Metro North locations in Lynn, Melrose, Peabody, and Saugus YMCA of Metro North | |

VA and veterans: far more than just loans

In the last decade as a loan officer, I’ve had the privilege of working with many active and former military members on their home financing. My father is a Vietnam War veteran and I’ve always felt a deep sense of respect and admiration toward our service men and women. I pride myself on making the home-buying process as easy as possible for everyone I work with, with particular care for those who served this nation.

My goal is to further educate our North Shore community of veterans, Realtors, and housing professionals about Veterans Affairs home loans. The VA loan was designed to offer long-term financing to eligible American veterans and their spouses. Before 1992, VA loans were only available to veterans who served on active duty during specific wars. The Veterans Home Loan Program Amendments expanded program eligibility to active duty military personnel who have served 90 consecutive days during wartime or 181 days of active service during peacetime, and National Guard and Reservists who honorably served for 6 years or more. Once veterans meet the length-of-service requirements, they will then earn a VA Certificate of Eligibility (COE), qualifying them for the well-earned benefits of VA financing.

At Guaranteed Rate, we are committed to being a trusted partner to the Armed forces. We waive our lender fee and provide a dedicated team of VA loan specialists to simplify and streamline the approval process. We care about our veterans and feel that after giving so much, they shouldn’t have a stressful home buying process. I take the time to review my clients’ VA entitlement and explain whether they qualify for a reduced or waived VA funding fee. The VA funding fee is typically 2.3 percent of the loan amount and 3.3 percent if you have previously used the VA program. This is typically financed into the loan but can be waived for veterans who have been disabled in any way.

The most important benefits of VA financing are lower mortgage rates compared to conventional loans, zero percent down payment, and no monthly mortgage

insurance. This paves the way for our veterans to realize their dream of homeownership. In today’s higher interest rate environment, it’s important for buyers to utilize the best loan program available to them to get the lowest monthly payment. If you’re a realtor or seller, I encourage you to consider accepting competitive VA offers. Many real estate experts believe these loans are way more complex than they really are. VA appraisals are completed just as quickly as conventional appraisals and generally meet guidelines as long as the house doesn’t have major safety issues. These loans also afford veterans more relaxed credit requirements, making the approval process much more likely.

If you’re looking to purchase a home, your key to success is getting pre-approved early on. Gather your W2s, tax returns, paystubs, and bank statements. Speak with a trusted loan officer. It’s so important to have a clear line of communication with your real estate team and make sure they are available to you on weekends. I offer my clients the ability to lock in interest rates before finding a home, along with a full upfront underwrite through our PowerBid Approval. This gives you protection against rising rates and the confidence to make a competitive, standout offer.

If you need guidance or have any questions, you are welcome to reach out to me. I

Leaders’ Leadership Team
Erik Ferm is a loan officer at Guaranteed Rate and a member of the Emerging Leaders’ leadership team And a member of the Chamber’s Emerging Leaders’ leadership team.


May 18, 2023

Women at all ages of their professional careers gathered for a successful day of learning, networking and motivation during Thrive Summit 2023, a half-day conference at the Boston Marriott Peabody. Attendees heard from Lt. Governor Kim Driscoll, media expert Liz Brunner and several other prominent panelists, including DE&I expert Renee Connolly and Ashley Pare of Own Your Worth. Raminder Luther, Patti Beckwith and Samanda Morales discussed financial wellness; Meg Mitchell Moore, Kiki Taron Kinney and Donna Martin offered their advice for turning passion to profits; and exhibitors offered advice and services from photography and branding to business coaching and ergonomics. More photos, Page 44.


Top notch customer service is essential for a business’ health

The essence of customer service is to make customers feel welcome, valued, and appreciated. Successful businesses prioritize creating a welcoming atmosphere for their customers.

At Beauport Hospitality Group, our customers are referred to as “guests” to enhance the personal experience, just as if they were visiting our own home. We take pride in our commitment to providing exceptional service and creating a welcoming environment where our guests feel like a part of our family. By treating our guests with the utmost respect and care, we aim to exceed their expectations and ensure their return for future visits.

The first contact with our guests sets the tone for their entire experience with us. It’s crucial that we make a positive first impression, whether we’re communicating through phone, email, or face-to-face interaction. The way we welcome and treat our guests during this initial interaction can have a significant impact on the rest of their customer journey with us. A warm and genuine greeting shows our appreciation for choosing usand makes them feel valued. Conversely, an uninviting approach can leave them feeling unwelcome and sours the first impression. So, we strive to greet our guests with a friendly and hospitable attitude, setting the stage for a memorable and enjoyable experience.

In my experience as a customer, I choose to take my car to a little-known family-owned auto repair business called Phil and Sons automotive, where I live in Newburyport. The reason for this is that the people there are always so polite, welcoming, and accommodating. This as most of us have experienced, is atypical of auto repair shops which can be known to make you feel like you are an inconvenience and that you are lucky to even get an appointment. Being made to feel as though you are an inconvenience is not customer service, it’s the opposite. The way I am treated at this family-owned business makes me feel appreciated and valued as a customer — this has kept me coming back for years.

As guests move along their journey with us, it’s crucial for us to continue to provide a welcoming atmosphere. This means offering assistance, providing necessary

information, and ensuring their needs and expectations are not only met, but exceeded. As an example of how we aim to create a positive and memorable first impression for our guests: instead of waiting for them to arrive or call to check if their room is ready before the official check-in time of 3 pm, we take the initiative and give them a call as soon as we can to inform them that their room is ready and that we’re looking forward to welcoming them. We might even do this as early as 9 or 10 a.m., well before the 3 p.m. check-in time. Our goal is to exceed our guests’ expectations and show them that we’re dedicated to making their stay exceptional. When was the last time a hotel called you first, to let you know that your room was ready?

When striving to improve customer service, I always try to put myself in the guests’ shoes, so that I can try to understand what the guest is perceiving or experiencing. This helps me to drive a more positive guest experience in our hotel, restaurants and event venues. Additionally, it’s important to listen to our guests’ feedback and address any concerns they may have as soon as possible. When a concern arises, we don’t just aim to solve the problem, we try to turn the negative experience into an even better one than if there wasn’t an issue in the first place. In doing so, we show our guests that we value them and that we are committed to making their stay with us as enjoyable as possible. A recent example of an instance where we attempted to turn around a negative situation involved a couple who shared their disappointment in our survey that we failed to recognize their sixth wedding anniversary – this was particularly disheartening for us as the couple had even wed at our hotel. In acknowledging our oversight, we took swift action and sent them an apology card along with an anniversary gift to commemorate their special occasion, expressing our sincere regret and hoping to see them again next year.

Customer service, or as we refer to it as guest service, is an essential aspect of any business. It is crucial to ensure that our guests feel appreciated and valued throughout their customer journey. The way a guest feels after interacting with a business can determine whether they will return or not. It is, therefore, crucial for us to make sure that our customers are treated with respect, warmth, and professionalism. When guests feel appreciated, welcomed and valued, they are more likely to be a loyal guest of our Beauport Hospitality entities. I

Ray Johnston is the managing director of the Beauport Hospitality Group.


Lucy Basile, realtor

Berkshire Hathaway HomeServices

Commonwealth Real Estate

 26 Main St., Lynnfield


Richard Huttner LLC

Certified business coach

29B Kennedy Rd., Gloucester

Mantilla Flores

Floral Services

164 Washington St., Marblehead

Hestia Creations

Pottery Studio

 13 Hawkes St., Marblehead

TQM Wealth Partners LLC

 122 Washington St., Suite R, Marblehead


Boss Lady Capital


43 Bass Ave., Gloucester

Atlantic Lab Equipment Inc.

 100 Cummings Center, Suite 150B, Beverly

Julie H. Livingston

 9 Goodwin’s Court, Apt 4, Marblehead

Mill River Winery

 498 Newburyport Turnpike, Rowley


Kristen Zannella


 2 Bourbon St., Peabody

 https://kristenzannellaphotography. com

INTERLOCKS Medspa + Wellness

 58 Merrimac St., Newburyport

 medspa/

Northeast Illuminators

lighting and decor

 254 Main St., North Reading


Stephanie Scanlan

Fashion stylist for Cabi

 4 Settlers Way, Salem


Amanda Greaves & Company, LLC

Interior designer and contractor

 163 Cabot Street, Beverly



Community media station

 100 Sohier Road, Beverly 

Partner Promotions

Marketing and PR

 8 Coates Lane, Haverhill 

Norman Jaillet


 58 Pulaski St., Peabody

 www.normanjailletphotography. com

QuitsaKiki Designs

Jewelry design, artisan

 14 Willard Lane, Marblehead


Superior Marble & Granite LLC

 31 Turnpike Rd., Ipswich


Total Direct Care Health services

 440 Trade Center Way, Woburn


Kaffmandu Coffee House

 280B Cabot St., Beverly


Meg Mitchell Moore, author


The JCN Group

Public Affairs firm

 PO Box 422, Boston


Insource Services Inc

Finance, human resources, technology and training services

 148 Linden St., Wellesley



Fitness studio

 301 Newbury St., Unit 4, Danvers


Reading Cooperative Bank

 55 Walkers Brook Drive, Reading


The Artful Life and Counseling Center

 142 Canal St, Suite 142P, Salem


HarborOne Mortgage

 40 Mall Road, Burlington



Shielding your business


Running a business presents numerous challenges, including managing risks and liabilities. While these looming exposures may cause added stress, having a plan and a reliable team on your side can help you remain proactive and informed. Maintaining appropriate insurance coverage is one piece for protecting your business and minimizing potential financial losses. Additionally, establishing and implementing proper policies and procedures can allow businesses to minimize risk. It’s important to understand important legal and insurance considerations for local businesses on the North Shore.

Below, we will explore common risks, exposures, and liabilities that businesses face, and best practices businesses owners should consider implementing.


This is one of the leading areas for lawsuits against businesses, especially small businesses. This liability includes issues with wage and hour, overtime, categorizing employees, wrongful termination, discrimination, and harassment, among other employment-related issues. The potential exposure for employment liability is not only with your current employees, but also with potential employees and prior employees.

These types of matters are costly and typically require filings with the Massachusetts Commission Against Discrimination. Now more than ever, employees are aware of their rights and are vocal about them. Always maintain proper hiring, training, reviewing, and work culture standards to remain competitive and in line with current Massachusetts laws. Reduce these types of risks by creating and enforcing clear employment/hiring policies, providing proper training, and promoting a respectful work environment.


Being held ransom for your business’s data could be catastrophic. In today’s digital age, businesses face increasing risks from cyber-attacks, data breaches, and privacy violations. Consider reviewing your current cyber security policies, now and periodically, to keep ahead of this risk. These types of breaches can range from phishing links to replicating an email. Threats are getting more advanced with AI technology, and could now even imitate a person’s voice. In that instance, employees would be less suspicious an are more likely to provide the elicited information or follow a request.

Implement strong cybersecurity measures to reduce the likelihood of an attack and safeguard your business’s data and your customers’ personal information. This includes ongoing training for every employee. Moreover, a business may consider obtaining cyber liability insurance to protect against financial losses, legal expenses, and reputational damage resulting from such incidents if their coverage does not include this already.


These types of cases arise from an employee’s workrelated injuries. Massachusetts law requires most employers to carry workers’ compensation insurance. It provides medical benefits and wage replacement to employees who are injured or become ill on the job. Workers’ compensation claims are quite common, but the increase in remote work positions has created additional exposures to employee injuries. It is difficult, if not impossible, for businesses to avoid risks present at each employee’s home. For example, in a claim brought by an employee who alleges to have been injured while working at home, it is important to determine whether the employee was furthering your business during the activity that resulted in injury. Be mindful of employees’ employment duties

Shylah N. Maloney is an attorney at Barton Gilman, LLP, and can be reached at

and assignments, and be specific and detailed whenever possible, especially with employees that work from home.


If your business manufactures or distributes products, you may be held liable for harm or injury caused by defective or unsafe products. Implement strict quality control measures and product testing to minimize the risk of product-related incidents. Industry experts can also be a great resource in assisting companies with proactive measures to ensure the continued distribution of safe products to the community. Regularly review pertinent regulations and update internal policies to meet these changes to minimize product liability claims.

As a business owner on the North Shore, it is crucial to understand and address the various risks, exposures, and liabilities your business may face. By implementing pertinent policies, carefully evaluating insurance coverage, and considering the common risks specific to your industry, you can protect your business and ensure its long-term success. Collaborate with experienced professionals in various areas to remain

innovative and forward-thinking.


Risk Assessment: Conduct a thorough risk assessment to identify potential hazards and vulnerabilities in your business operations. Evaluate your property, equipment, products, services, and employee activities to understand the areas that may lead to liability exposure. For instance, if you operate a restaurant, consider the risks associated with kitchen fires, slips and falls, and foodborne illnesses. These reviews should not be a one-time action and should be performed periodically to maintain vigilance. Regularly review your insurance policies to ensure that they adequately cover your business risks. Understand the scope of coverage, policy limits, deductibles, and exclusions.

Communications with Legal Counsel: While keeping an attorney on retainer may not work for every business, maintaining a relationship with a reputable attorney before something occurs can allow for a more concise and seamless process. An attorney is not simply someone who is brought in when a business is sued, they can be a major ally in setting up internal processes and assisting


in mitigating risk. A business can work with an attorney on reviewing employment contracts, business contracts, creating LLCs, reviewing policies and procedures, and much more, to keep your business proactive and minimize these potential liabilities. Additionally, for lawsuits or claims brought against your business, determine whether your insurance policy allows you to choose the attorney who will be representing you and your business. This small option may provide you more peace of mind during the legal process as you will be able to work with someone who knows you and your business. The above-mentioned actions are just a few ways a business may consider to stay ahead of its competition and reduce its risks.

Whether you seek unrivaled proficiency in insurance defense, guidance in education matters, support in family law, or strategic planning for your business or future, our versatile team of attorneys at Barton Gilman is poised to deliver results. Do not settle for anything less than exceptional representation—reach out today and let us navigate the complexities of the law as a part of your team. I


home watercolor portraits

• Family legacy: Portraits of primary residences or vacation homes will help treasured family memories live on for generations. Can also be made into custom stationery.

• Real estate agents: As closing gifts for your top clients, home portraits provide you with years of word-of-mouth marketing.

• Business and marketing: A creative way to show your pride in your business. Custom art for note cards and other formats available.

NORTHSHORECHAMBER.ORG 47 • • Instagram @Diane_Carnevale

Growing up in Salem, N.H., Christina Saadé could often be found at the piano.

Saadé, the 33-year-old director of marketing at E.J. Callahan & Associates, LLC, cultivated her love of music at a young age. “I used to compose {music] as a kid,” she said, a hobby that earned her a distinction from President George Bush when she was in elementary school.

Growing up in her musically inclined household -- she still occasionally performs at weddings and charity events, in English, Lebanese, and Aramaic, the language spoken in biblical times -- Saadé has also recorded music with her parents, who are both musicians.

In her, they instilled the confidence and a desire to chart her own path. That mindset grew as Saadé completed her studies at Northeastern University. In 2013, she graduated with a B.S. in Business Administration and Management, Accounting and Entrepreneurship.

Saadé worked in public and private accounting for several years, before moving into sales operations in the Tech industry. Her accounting background lent itself to liaison between the sales, finance, legal and HR teams – creating policies and incentive programs and building processes and procedures for rapid and sustainable growth.

A passion for helping companies grow led Saadé to her current role: heading up marketing and recruiting at E.J. Callahan & Associates. In the two years since she began the firm has doubled its size. It was also named one of the “Best Places to Work” by the Boston Business Journal.

Saade brings that drive to the Chamber’s Emerging Leaders and her role on the leadership team.

“I am really enjoying working with such like-minded, ambitious, and brilliant people,” she said. “I learn something new from them every day. I’m excited about the group we are building, and looking forward to seeing what the future has in store for us.”

What is one lesson you try to impart on others?

Life is full of endless opportunities and possibilities. As long as you are embracing these opportunities while staying

true to your values, continuously learning and growing, and adding value to the communities you are involved in, you will be where you are meant to be.

Who inspires you?

My parents. They instilled the values of family, integrity, and love in me. They taught me the meaning of life, hard work, and perseverance. If my parents were able to immigrate to the US and achieve the American Dream, there is absolutely no reason I can’t do anything I set my mind to. Their brilliance, strength, and kindness inspire me every day and push me to strive to be the best version of myself.

What brings you joy?

Being surrounded by my family & friends. I recently became a Godmother to my best friend’s daughter, which has been one of the most enjoyable experiences of my life. I’m excited to watch her grow and see where life takes her.

What quality do you admire most about yourself?

My growth mindset. I have a love for learning, always looking to experience something new, see things from a new perspective, hear different points of view. I purposely step out of my comfort zone at least once a day, to discover more about myself and grow as a person. I am learning to embrace my fears, and it has become quite rewarding. It builds a sense of confidence that no matter what uncomfortable situation I am presented with, I’m going to come out wiser and stronger. It also allows me to look at failures as lessons, mistakes as experiments, and problems as opportunities for innovation.

f you could travel anywhere, where would you go?

Hawaii was actually high on the list and I went this past winter. It was absolute paradise on Earth! I even surfed for the first time in my life, which was both terrifying and exhilarating. “When in Rome!”

How do you make an impact?

I have been in my church’s choir since I was born. I sing at charity events and fundraisers in my community. I also enjoy volunteering for St. Jude Children’s Hospital. I joined the Toast to St. Jude Committee a few years ago. I

‘Life is full of endless opportunities’
OUR WORK JULY 2023 Discover why the North Shore Chamber of Commerce trusts Hawk Visuals as their go-to video production company! VIDEO PRODUCTION PHOTOGRAPHY SOCIAL MEDIA F L Y N O R T H IS NOW ON THE NORTH SHORE! HAWK VISUALS THE HAWKS

Improving research from remote and in-office locations around the world.

EBSCO is a world leader in providing online research content and search technologies for colleges and universities, public libraries, schools, corporations, medical institutions and government agencies worldwide. EBSCO stands as the most used subscription-based research service on the Internet, serving millions of end users from tens of thousands of institutions around the world.

EBSCO is hiring!

For information on our hybrid work model and open positions, please visit our Careers site.

Articles inside

DIANE CARNEVALE ART article cover image


pages 49-51
Shielding your business article cover image

Shielding your business

pages 48-49
Top notch customer service is essential for a business’ health article cover image

Top notch customer service is essential for a business’ health

page 46
THRIVE SUMMIT article cover image


pages 44-45
VA and veterans: far more than just loans article cover image

VA and veterans: far more than just loans

page 43
Advice for the next generation article cover image

Advice for the next generation

pages 37-42
At Business Leads, members find supportive, attentive audience article cover image

At Business Leads, members find supportive, attentive audience

pages 35-36
Travelling internationally? article cover image

Travelling internationally?

page 34
What does the new retirement law mean for you? article cover image

What does the new retirement law mean for you?

pages 32-33
7 seconds to make a first impression article cover image

7 seconds to make a first impression

page 31


pages 26-31
AN ELITE EVENING article cover image


page 25
‘Live life to the fullest’ article cover image

‘Live life to the fullest’

page 24
TRUSTED LEGAL ADVISORS article cover image


page 22
Which construction model fits your growing business? article cover image

Which construction model fits your growing business?

pages 20-21
Three ways to become a great leader article cover image

Three ways to become a great leader

page 19
THE CHAMBER BRIEFCASE article cover image


page 18
Developing business leaders through nonprofit board service article cover image

Developing business leaders through nonprofit board service

pages 16-17
Sayings that signal success article cover image

Sayings that signal success

pages 13-14
Lessons in Leadership EMERGING LEADERS HOST ‘LUNCH AND LEARN’ WITH DAVID MORALES article cover image


page 12
CURIOUS MINDS PROGRESS article cover image


page 11
LEADERS AMONG US article cover image


pages 8-10
FOCUS Leadership on the North Shore article cover image

FOCUS Leadership on the North Shore

page 5
Developing the next generation of business leaders article cover image

Developing the next generation of business leaders

pages 4-5