Tradition Companies Newsletter – June 2020

newsletter

JULY 2020 | SUMMER

WHAT’S INSIDE ARE WE THERE YET?

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CAPITAL BANK

4

RT URBAN

6

ENEBAK CONSTRUCTION

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ROBERT THOMAS HOMES

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MORTGAGE

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DEVELOPMENT

14

VIRTUAL HOPE K

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HOMES BY TRADITION

16

GOLF

18

WEALTH MANAGEMENT

20

PARTNER SPOTLIGHT

21

ESQUIRE TITLE

22

PASS IT ON

23

www.traditioncompanies.com

2

“ARE WE THERE YET?” On long road trips when you were a kid, you probably asked your Mom and Dad, “Are we there yet?”. Your kids may ask you that same question.

The answer in the car and in today’s society is the same - “No.” We are not there yet battling the novel Coronavirus, and we are not there yet in solving the social justice issues our country is facing. A brilliant friend of mine, Bruce Turkel, stated something that resonated with me. “We are not all in the same boat. We are in the same storm, but not the same boat.”

Some boats are ship-wrecked, some headed toward the rocks, and some on choppy waters, while others have relatively smooth sailing.

No matter where your boat is, there are two things we can all do right now; listen and care. Now is the time to get better by really listening and letting people know you care. When you care, you make a connection, and when you make a connection, you can make an impact.

We are all judged on how we respond to stress, adversity and tragedy. Your true character shows in how you respond. What values do you want people to think about when they think about you? Being positive is not always easy, but research shows that people who are positive are happier, more productive and have more meaningful, deeper relationships. Being selfless is priceless.

The storm is here and isn’t going away for awhile. During this storm, remember this quote from Viktor Frankl, “When we are no longer able to change a situation, we are challenged to change ourselves.”

I CHALLENGE YOU to take a good hard look at who has had the biggest influence on your life. Our research of impact and influence came to the conclusion that, “we make our biggest impressions when we are not trying to be impressive.”

So, if you could build your own personal “Mount Rushmore of Influence”, who would be on there and why?

When you dig deep, you will realize why those people are on there, it may have been something small, but I bet they are there because they listened and they cared. Now emulate what they did.

If you want to have some real fun, ask with your kids and friends who their Mount Rushmore would be.

Guest article by Joe Schmit Joe is an award-winning speaker, author and television sports anchor. He studies people who make an impact and has written two books on impact leadership: “Silent Impact” and “The Impact Blueprint”.

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Emergency Relie

We are committing $500,000 to be a force for g COVID-19. We invite you to join our ONE TEAM TRADITION CAPITAL BANK At Tradition Capital Bank, our foundation is built on serving our community and connecting people in business and life.

Since the beginning, we have been building a legacy by investing our resources into meaningful partnerships with nonprofit organizations.

Community COVID-19 Emergency COMMUNITY COVID-19 EMERGENCY RELIEF FOR Relief for Food, Homelessness, Youth, FOOD, HOMELESSNESS, YOUTH, & MENTAL HEALTH and Mental Health

The immediate needs of the people affected by COVID-19 moved our team to take action with a rally call to support our local communities with an emergency relief fund. These commitments inspired bank-wide action, and with our vision of creating a legacy of stewardship, we invited our network to join us as a force for good.

We are honored to support our partners’ incredible work in our communities focused on food insecurity, supporting our youth, responding to homelessness and addressing mental health issues.

- Lauren Withers | Keystone Program Manager Tradition Capital Bank

For more information or questions, contact us at www.tradition.bank or 612-251-2610

Ways to Give

capital bank

Click here to donate now or text traditionrelief to 243725.

4

Member FDIC. Equal Housing Lender.

Checks payable to Tradition COVID-19

5

7601 France Avenue South, Suite 140 Edina, Minnesota 55435 Send your donation via wire transfer using the wire transfer instructions.

6

RT URBAN HOMES Are you ready to own your home?

Now is a great time to buy!

You may be able to own for less than renting!

New homes starting at $359,900 Distinct designs & open floorplans Customizable interior & exterior styles Private patios & fenced yards Association-provided lawn care & snow removal.

Plus enjoy access to two clubhouses with outdoor pools & fitness centers, miles of trails & green space!

Pricing, floorplans, virtual tours, community information & more at RTUrbanHomes.com

Design Gallery & Sales Center

NOW OPEN

4971 162nd Street W Lakeville, MN 55044

FOR MORE INFORMATION:

Kelli Keith

New Home Consultant

(952) 208-2073 Kelli.Keith@RTUrban.com

Tyler Johansen

New Home Consultant

(651) 336-3288 Tyler.Johansen@RTUrban.com This is not an offer to lend. RT Urban Homes, Inc. is not a lender and there are no assurances that a buyer will qualify for any loan or financing. You should consult your own accounting, legal, or tax advisor to evaluate risk, consequences, and suitability of any real estate transaction. RTUrban Homes, Inc. makes no guarantees as to market conditions. Š 2020 RT Urban Homes Inc. All rights reserved. Prices, floor plans, home elevations, options, upgrades, specifications, incentives, promotions, and availability are subject to change without notice. Base prices or starting from prices of a home plan or floorplan do not include optional home elevations, options, upgrades, or lot premiums. Finished square footage and dimensions are approximate and subject to change without notice. Photos, virtual tours, video tours, and/or illustrations may not depict actual home plan configuration and/or details and may show certain options and upgrades not included in the base price or starting price of the home plan. Showcase model homes featured may show model staging, furniture, and accessories that are not included in the purchase of a home. Community improvements and amenities described are based upon current development plans and information furnished by others and are subject to change without notice. No representations are made with regards thereto. Community association fees and/or assessments, covenants, conditions, and restrictions may apply. Promotions and incentives may require the use of a certain lender that is an affiliate of RT Urban Homes, Inc. Floor plans and home elevations are used by permission by RT Urban Homes, Inc. and are protected by U.S. copyright laws. Please consult an RT Urban Homes, Inc. New Home Consultant for complete information. MN LIC BC758134

home builders 7

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ENEBAK CONSTRUCTION Enebak Construction employs nearly 100 people from operators to laborers to mechanics and office personnel.

Of those 100 employees, there are currently 10 mechanics / operators that are based out of our shop down in Northfield. Our mechanics have many different responsibilities that play a very important role in the success of ECC. If our machines aren’t working, we aren’t working.

SHOP MECHANICS Almost half of our ECC mechanics are based out of the shop. They’re responsible for repairing anything from a small saw or pump, to changing out parts that are three times the size of the mechanic themselves. We use the shop to perform most of our major repairs and rebuilds and have enough room to work on three different machines at once in a controlled environment, so we can get our equipment back to work in the field as soon as possible.

FIELD MECHANICS We have four mechanics working in the field daily. They spend their days repairing and maintaining our equipment on-site from their specialized trucks.

These trucks serve as a mobile shop that allows us to fix a majority of problems in the field without needing to haul equipment back to the shop. This cuts down on down-time and saves the company money.

LOWBOY DRIVERS We have two lowboy drivers responsible for moving all equipment from site to site. These

For more information, find Enebak Construction on Facebook or visit www.enebak.com

drivers move equipment using specially designed trailers that have up to 8, 9, 12 or even 13 axle configurations and range in length from 85 to 110 feet. MNDOT has limits on how much weight each axle can carry on the road. In order to move up to 110,000 pounds, we need to use larger trailers with more axles. For our largest trailer set up, we have an escort vehicle in the front and back of the truck and trailer guiding the way. If you see them on the road give them a wave, and move over - they could use the extra room!

- Andrew Comstock | Assistant Estimator Enebak Construction

construction 9

ROBERT THOMAS HOMES TOP LOCAL HOME BUILDER Robert Thomas Homes is proud to announce we have been ranked as the #5 Builder in the Twin Cities and the top Local Home Builder on Housing First Minnesota’s Top Builder list! We’re very proud to see our name on this list amongst the best of the best in the industry. Robert Thomas Homes is rooted in our home state, and our Minnesota values are at the core of our company. We stand for honesty, fairness, and dedication to service, and we value our relationships with clients, partners, and the community.

Visit a Robert Thomas built home to experience our award-winning designs, quality details, and vibrant neighborhoods - Todd Stutz | President

Robert Thomas Homes

BEAUTIFUL COMMUNITIES ACROSS THE TWIN CITIES! If you're considering a move, now is a great time to buy! We have beautiful communities located across the Twin Cities metro area.

We carefully select our communities based on the amenities our buyers desire like tree-lined sidewalks, green space, and water features and often feature community pools, exercise facilities, and places to gather with your neighbors.

Chaska, MN

Single Family Homes & Villas

Woodbury, MN

Single Family Homes & Villas

Find a community that’s right for you!

Pricing, floorplans, virtual tours, community information & more at RobertThomasHomes.com

© 2020 Robert Thomas Homes Inc. All rights reserved. Prices, floor plans, home elevations, options, upgrades, specifications, incentives, promotions, and availability are subject to change without notice. Base prices or starting from prices of a home plan or floorplan do not include optional home elevations, options, upgrades, or lot premiums. Finished square footage and dimensions are approximate and subject to change without notice. Photos, virtual tours, video tours, and/or illustrations may not depict actual home plan configuration and/or details and may show certain options and upgrades not included in the base price or starting price of the home plan. Showcase model homes featured may show model staging, furniture, and accessories that are not included in the purchase of a home. Community improvements and amenities described are based upon current development plans and information furnished by others and are subject to change without notice. No representations are made with regards thereto. Community association fees and/or assessments, covenants, conditions, and restrictions may apply. Promotions and incentives may require the use of a certain lender that is an affiliate of Robert Thomas Homes, Inc. Floor plans and home elevations are used by permission by Robert Thomas Homes, Inc. and are protected by U.S. copyright laws. Please consult a Robert Thomas Homes, Inc. New Home Consultant for complete information. MN LIC BC644819

home builders 10

Plymouth, MN

Single Family Homes

Lakeville, MN

Single Family Homes & Villas

St. Michael, MN

Single Family Homes

Plymouth, MN

Single Family Homes

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www.HOMESOFSPIRIT.com 16972 Brandtjen Farm Drive Lakeville, MN 55044

TRADITION MORTGAGE Tradition Mortgage began this year with great momentum from a record breaking 2019. We had strong origination months in January and February, followed by the most volatile month the mortgage industry has experienced in decades in March. While mortgage rates rapidly declined to record lows in response to the pandemic, policies were enacted allowing for loan forbearance to help clients impacted by COVID-19. While this was great news for borrower’s struggling with their payments, it led to the largest decline in mortgage availability since 2008 due to more restrictive qualification parameters as investors and servicers moved to reduce risk in their portfolios.

952.322.8700

info@homesofspirit.com

RECORD BREAKING SPRING With the dedication and hard work of the staff, Tradition Mortgage closed record volumes in March, followed by another record breaking month in April! Closings for March and April totaled almost 1,000 loans for well over $300 Million to help clients build, buy, or refinance.

NEW! ELECTRONIC CLOSINGS January featured an important milestone as we completed our first ever electronic loan closing. For years, as the mortgage industry continued to shift to a more digital experience, the actual loan closing

has remained elusive to modern day technology. Now, Tradition is able to offer a digital loan closing experience! This allows for less paperwork at the closing table, more time to review documents prior to closing, and an overall streamlined loan closing experience. E-Closing is a great enhancement to our other digital client experience tools. The digitization of the mortgage experience has been a long journey, but ultimately creates a better, more streamlined experience for everyone in the mortgage process. Tradition Mortgage continues to focus on constant improvement on customer experience for clients and business partners.

MN LIC BC758134

MN LIC BC644819

MN LIC BC5563

This site plan is a conceptual drawing and merely an artist’s rendition used solely for illustrative purposes.

This site plan may not reflect actual measurements/alignment and should not be relied upon. Subject to change without notice. See builders for current pricing, features, amenities and lot availability.

Copyright infringement could result in legal prosecution under federal copyright law. REV 3/3/20

- Erik Hendrikson| President

Tradition Mortgage

CONGRATS PAT! Early in the year, Pat Carlson was the promoted to VP of Loan Fulfillment. Her new position manages all aspects of the closing department for Tradition Mortgage. Pat has been with TM for over 5 years and has almost 20 years of experience and leadership in the mortgage industry.

For more information, visit us online at www.traditionmortgagemn.com

mortgage 13

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- Rob St. Sauver | Project Manager Patrick Wrase | Project Manager Tradition Development

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Spirit has been the central development for Tradition Development for over a decade. We are actively seeking new land to develop to replace the annual lot supply that has been provided at Spirit.

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For more information about Spirit of Brandtjen Farm, visit www.homesofspirit.com

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Restored in 2006, this barn dates back to the original Brandtjen Family Farm in the 1920s. We are proud to embody a rich sense of history rooted on the land where our Spirit of Brandtjen Farm SPIRIT LAKE community has now been built on. This restored barn now serves as a community center for neighborhood residents.

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Since 2007, over 500 acres and 1000 lots have been developed within Spirit of Brandtjen Farm.

While there are still detached townhome plats that remain to be implemented over the next two to three years, the 22nd addition lots conclude the last single family plat within the development. A major milestone!

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EAST LAKE Tradition Development recently prepared the plat and infrastructure plans for the final traditional single family phase of the Spirit of Brandtjen Farm development.

The Spirit of Brandtjen Farm 22nd Addition consists of 29 single family lots that will be available by the late summer of 2020 for the construction of Robert Thomas Homes Tradition series homes.

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VIRTUAL

HOPE K SATURDAY | AUGUST 29, 2020 RUN YOUR OWN RACE AT YOUR OWN PACE FROM ANY LOCATION

TRACK YOUR TIME AND UPLOAD ONLINE *

POST A PHOTO IN YOUR Hope K SHIRT #VirtualHopeK

@TraditionCo +TAG US @HopeKidsInc

Register Online at :

bit.ly/HopeK-Reg2020

5K/10K

$30

**

DONATE ONLINE: bit.ly/HopeK-Donate2020

Questions? Email info@traditioncompanies.com ALL PROCEEDS GO TO HOPEKIDS MINNESOTA *Once registered, you will receive an email from Athlinks with information on how to upload your time. **Runners will receive a race number and Hope K t-shirt in their race packet.

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HOMES BY TRADITION Homes by Tradition has had an exciting 2020 with a full schedule of custom homes being designed and built across the Twin Cities south metro. The majority of our current projects are on acreage properties, tear-down and lake lots with beautiful settings. We will be showcasing a variety of amazing architectural design styles with equally creative floor plans. 2020 will be an incredible year for team HBT, and is setting up to be strong 2021!

NEW YEAR, NEW BRAND Leading into Spring of 2020, we launched a fresh new look of the HBT brand. The feedback from our customers has been outstanding!

We provide the same quality, craftsmanship, and exceptional experience you’ve come to expect from Homes by Tradition, with an enhanced look leading the way.

- Dean Nelson | President

home builders

Homes by Tradition

For more information, visit www.homesbytradition.com

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Architect: David Charlez Designs

PROJECT SPOTLIGHT 5 BED

5.5 BATH

5,741 SQ. FT.

While establishing the exterior architecture for this project, natural materials and textures played a large role. Reclaimed timber columns sourced from an old publishing building in St. Paul are seen on the front and back of the home. Steel brackets and cable awning call attention to the black windows, metal roof, natural stone and western cedar siding accent walls that tie into the unique smooth finish siding.

ROSEMOUNT, MN

These same materials carry through to the inside to hold the same design theme as the exterior architecture. The well designed footprint and 10’ ceilings showcase creative finishes and material applications. The windows serve as true pieces of art in this home, with black frames and simple grid pattern that captures the beauty of the scenic property. To compliment the windows, we kept the color palate warm and neutral with thoughtful introductions to pattern and texture.

Follow us for a sneak peek inside once this home is complete!

MN LIC BC556362

17

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LEGENDS CLUB It has been a unique 2020 in many ways. The mild MN winter gave us a chance to get on the golf course a little earlier than the past two springs and the course came through the winter in fantastic condition.

There was some uncertainty with what the season might look like due to the current pandemic. Before the season started, many of our regular tournaments were pushing back from May and June to later dates in the summer, and the overall hesitation with the pandemic left us guessing how much affect that might have on the golf season.

In mid-April, golf was designated as one of the safer outdoor activities, and we went from zero to sixty almost overnight. The tee sheet has been packed with our regular golfers, many new golfers and many golfers getting back into the game.

It’s been an amazing response to a surreal situation around the world.

- Mike Luckraft | General Manager Legends Club

CORPORATE/CHARITY EVENTS Legends Club is the home to multiple major charity events.

Two large events that will be hosted here this year are:

CELEBRITY CAMO CLASSIC

HENDRICKSON FOUNDATION

Event benefits United Heroes League to keep military kids healthy and active through sports while their parents are serving our nation.

The Hendrickson Foundation mission is to grow the game of hockey by making it accessible to ALL people, despite any challenges they may be living with and creating a strong and more inclusive State of Hockey.

“SUMMER NIGHTS” OUTDOOR LIVE MUSIC We can fit over 150 people socially distanced on our lower terrace.

Join us for a fun night of live music and great food/drinks!

[

5:00 - 8:00PM

]

June 27 | Becky Rae Dalton July 11 | Jud Hailey August 1 | Marv Gohman August 22 | Andrea Lyn September 19 | Marv Gohman

Call (952) 226-4777 to set up your tee time or to plan your next outing! |

golf 19

TRADITION WEALTH MANAGEMENT With the spread of coronavirus, many are left with confusion and concern. The uncertainty is being felt around the globe, and it is unsettling on both a human level and from the perspective of how markets respond.

It is a fundamental principle, that markets are constructed to handle uncertainty and processing information in real time, as it becomes available. Amid the unknown that comes with changes and advancements surrounding the coronavirus, decades of financial science and long-term investing principles remain a strong guide for the market.

- Chad Schumacher| President

Tradition Wealth Management

Join us at our quarterly Cyber Security & Shredding events!

For more information, visit www.traditionwealth.com

wealth 20

COVID-19 INVESTMENT HOTLINE Tradition Wealth Management would like to offer a complimentary COVID-19 Investment Hotline. In this ever changing environment this virus has caused, we want to be a resource for you. As we navigate through all the statistics and potential outcomes, we’ve discovered that some people are not getting the consultation needed to analyze investment portfolios.

Please feel free to contact us at 952-563-6500 for portfolio manager analysis, stock breakdowns, hedging strategies, financial plan updates, insurance/annuity policy reviews, or anything else that may come to your mind.

We are here to help.

EMPLOYEE SPOTLIGHT Greg Trebil is the Director of Financial Planning & Investments at TWM. He focuses on financial planning and the fundamental impact it can have on the lives of individuals and their families. Greg leverages his experience as a financial analyst to provide the group with research and analysis to guide the Investment Committee’s decision making.

During the global pandemic, Greg has used charts, graphs, and data that tracks the current economic statistics to help navigate the market. His research of economic and evaluation data in the financial markets help guide decisions made with client portfolios.

Securities offered through ProEquities, Inc., a Registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services offered through Tradition Wealth Management, LLC, a Registered Investment Adviser. Tradition Wealth Management, LLC, ProEquities, Inc., and all other Tradition-branded companies are independent entities.

PARTNER SPOTLIGHT: WALSER Through over 62 years of service, Walser Automotive Group has become a pioneer in the automotive industry.

Walser’s progressive commitment to growth, innovation, and the customer experience have changed the car-buying journey. Walser operates 27 dealerships featuring major and luxury brands throughout Minnesota and Kansas. Walser also operates and partners with several affiliate businesses throughout Minnesota, Kansas, and Illinois.

While Walser has always been a company that has innovated, the outbreak of COVID-19 provided an opportunity to emerge differently and better, even in unprecedented times. In March, Walser launched it’s remote delivery program, Walser To You. The program allows automotive customers to completely buy, sell or service a vehicle without ever stepping foot inside a dealership.

They are committed to using Walser To You to meet their customers in a way that truly serves them.

For more information, visit www.walser.com or find a Walser dealership near you.

“As a business, we recognize and appreciate partnering with other values-based businesses like Tradition, that support our growth and ability to employ others while doing the right thing for employees, customers, and the community alike.”

ANDREW WALSER

President, Walser Automotive Group

Walser is a value and community based, family operated company and philanthropic giving is a large part of who they are.

Walser commits 5% of all pretax earnings to the Walser Foundation. Through the Foundation, monies are directed to nonprofit organizations that focus on education and workforce development in the Twin Cities and Wichita, KS communities.

spot light

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ESQUIRE TITLE Esquire Title ended with a record year in 2019 and is on track to do it again in 2020. We continue to be ranked #1 (out of 75 agents) with our underwriter, First American. This is what an amazing team does and continues to do! As the rates dropped early this year, orders came roaring in. The first few months of the year had closing numbers we’ve never seen before. Especially when January-March are typically our slower months. Then, the pandemic struck.

We, like many essential businesses, have seen many changes during the Spring months with COVID-19 safety precautions put into place to protect our staff and customers.

Closings are completed through plexiglass shields and sanitized between each customer. Customers coming to closings have been fully equipped with masks, gloves and even the occasional hazmat suit. Our team adapted in an instant and has continued to provide exceptional service to our clients during these unprecendted times.

tit le 22

RECORD BREAKING FIRST HALF OF 2020 January - May comparison of # of transactions closed

2020 | 1,480 2019 | 617 We’ve more than DOUBLED our volume!

NEW! E-SIGNING We have recently set up E-signing capabilities for some documents for closing! Although not a complete remote closing, the borrowers have the ability to log into a portal and Docusign the majority of the lender documents. There is still a formal closing set up because a handful of documents need wet signatures and/or notarizing, which can only be done in person, however, complete Remote online Notary, (RON), is not too far in the future.

All-time Esquire Title record - APRIL 2020 -

- Lynn Stander| Partner Esquire Title

WELCOME CARRIE! With the incredible growth, we are thrilled to announce the addition of Carrie Hall to our team. Carrie joined Esquire Title as an executive Closer in May, and comes to us with years of experience in the title industry.

For more information, visit www.esqmn.com

TRADITION PASS IT ON Tradition Pass It On is a movement.

Now, more than ever, feeling connected and having opportunities is paramount.

One of TPIO’s purposes is to show appreciation and gratitude to our clients. We want to take this opportunity to thank all of you. Thank you for your support, phone calls, and notes. Thank you for working with us through these changing times.

Thank you for being our community and our family.

PINKY SWEAR FOUNDATION held their annual gala virtuallly and it was a hit! KARE 11’s Eric Perkins was the emcee and they held an online silent auction. Almost $148,000 was raised to help kids battling cancer.

ART OF EDINA held their Braemar Art Gallery Launch Party in early Spring and has stayed connected via social media platforms to share uplifting photos during the quarantine.

Here are some inspiring and creative ways our community has stayed connected.

“When we think about what the phrase ”pass it on” means to us, we think about community and how we can all come together to make a difference for others. This phrase is so powerful and truly shows that together, with the amazing support from Tradition Companies and others, we can have an incredible impact on the kids with cancer and families we support.”

ERICA CAMPBELL

Executive Director, Pinky Swear Foundation

HOPEKIDS has been offering a variety of virtual events to entertain and bring joy to families that have a child with cancer or other life threatening illnesses. From virtual meets with professional athletes, to live Facebook concerts, friendship bracelets, and everything in between.

We encourage everyone to continue their community involvement with local organizations in new ways.

Follow us on social media for ideas and ways to #PassItOn

FOR MORE INFORMATION visit www.tradition-pass-it-on.com

pass it on 23

www.traditioncompanies.com