July/August 2022 by St. Cloud Area Chamber of Commerce

Bringing the best, locally Forbes honors Michael K. Karl and Matthew R. Nikodym as Best-In-State Wealth Advisors in Minnesota for 2022

In today’s world, having a trusted relationship with a financial advisor who knows and understands you is invaluable—especially when that advisor lives and works where you do. Clients know that Mike and Matt go above and beyond every day, bringing the global resources of the firm to address their needs and goals here in Minnesota. It is this dedication that earns each client’s trust and confidence—and now this distinction. Please join us in extending our hearty congratulations, and we encourage you to reach out to discuss how we can help you pursue what’s important to you.

Michael K. Karl, CFP®, CIMA® Managing Director–Wealth Management Branch Manager Senior Portfolio Manager Senior Retirement Plan Consultant 320-203-6572 michael.k.karl@ubs.com Matthew R. Nikodym, AAMS®, CRPS® Senior Vice President–Wealth Management Senior Portfolio Manager Senior Retirement Plan Consultant 320-203-6579 matthew.r.nikodym@ubs.com

Karl Nikodym Wealth Management Group UBS Financial Services Inc. 4150 South Second Street, Suite 500 Saint Cloud, MN 56301 320-252-6909 800-444-3809 toll free advisors.ubs.com/knwm

Forbes Best-In-State Wealth Advisors list is comprised of approximately 5,000 financial advisors. It was developed by SHOOK Researchand is based on in-person and telephone due diligence meetings to measure factors such as: quality of practice, industry experience,compliance record, assets under management (which vary from state to state) and revenue. Although neither UBS Financial ServicesInc. nor its employees pay a fee in exchange for these ratings, UBS may hire RJ Shook to be a speaker for events. Past performance isnot an indication of future results. Investment performance is not a criterion because client objectives and risk tolerances vary, andadvisors rarely have audited performance reports. Rankings are based on the opinions of SHOOK Research, LLC and not indicative offuture performance or representative of any one client’s experience. Learn more about award criteria at ubs.com/us/en/designation-disclosures. As a firm providing wealth management services to clients, UBS Financial Services Inc. offers investment advisory servicesin its capacity as an SEC-registered investment adviser and brokerage services in its capacity as an SEC-registered broker-dealer.Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by differentlaws and separate arrangements. It is important that you understand the ways in which we conduct business, and that you carefullyread the agreements and disclosures that we provide to you about the products or services we offer. For more information, pleasereview client relationship summary provided at ubs.com/relationshipsummary, or ask your UBS Financial Advisor for a copy. Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP®, Certified finanCial Planner™ and federallyregistered CFP (with flame design) in the US, which it awards to individuals who successfully complete CFP Board’s initial and ongoingcertification requirements. CIMA® is a registered certification mark of the Investments & Wealth InstituteTM in the United States ofAmerica and worldwide. For designation disclosures, visit ubs.com/us/en/designation-disclosures. © UBS 2022. All rights reserved. The key symbol and UBS are among the registered and unregistered trademarks of UBS. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC. ACC_04212022-14 IS2202130 Exp.: 05/31/2023

CONTENTS GROW | NETWORK | PROFIT

E X P LO R I N G C E N T R A L M I N N ES OTA’ S B US I N ESS ES .

J U LY/ A U G U S T 2 0 2 2 : 6 Pr e s i d e n t ’ s Le t t e r / 8 E d i t o r ’ s N o t e / 2 2 N e t w o r k Ce n t ra l

Cover Story

34 ON-THE-JOB TRAINING With no business training, Michelle Henderson is turning her arts education and natural curiosity into a thriving digital marketing company.

PROFIT

40 BUILDING A BUSINESS PLAN Creating a well-thought-out business plan is the first step to success in a new venture.

44 UNLEASH YOUR POWER Women are learning to capitalize on their unique advantages to succeed and lead in business.

45 WOMEN TO WATCH

NETWORK

GROW

52 WOMEN IN BUSINESS DIRECTORY

10 UPFRONT Valuable information designed to guide and educate.

24 BUSINESS TOOLS Useful tips and intelligence on how to continue to grow your business.

58 BUSINESS SPOTLIGHT Tim Buttweiler, Buttweiler Environmental

ONLYONLINE BUSINESSCENTRAL MAGAZINE.COM

• Motivating Me • Lucky You • Indulge Your Creative Side • Improving Hybrid Work

© Copyright 2022 Business Central, LLC. Business Central is published six times a year by the St. Cloud Area Chamber of Commerce, 1411 West St. Germain Street, Suite 101, P.O. Box 487, St. Cloud, MN 56302-0487. Phone (320) 251-2940 / Fax (320) 251-0081. Subscription rate: $18 for 1 year.

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PRESIDENT’S LETTER

Learning, Listening, and Connecting

s I reflect on my first year as president of the St. Cloud Area Chamber of Commerce, I can’t help but

And in the blink of an eye, it has somehow been a year since I took over the reins at the Chamber. The transition

look back on my time at the St. Cloud Area Convention and

from the CVB was a natural fit, as the success of both

Visitors Bureau (CVB), a Chamber division, and look forward

organizations depends on the strength and growth of the

with pride in both organizations.

Central Minnesota business community. Lucky for me,

For those who aren’t aware, the CVB staff markets and

when I assumed this position I stepped into a role at one

sells venue spaces, hotel rooms, and leisure experiences to

of the most dedicated, involved, and successful chambers

visitors, and meeting and event planners from all over the

in the region.

Midwest. This activity brings new dollars to the community, driving economic development in the most fun way

The time and talent our volunteers give to this organization in the name of helping our business community

possible - tourism.

thrive astounds me. Our

Since my departure,

Chamber is a leader in the

this organization has transitioned into new leadership and a new

The investment of time and talent our volunteers give to this organization in the name of helping our business community thrive astounds me.

model of innovation

working together to elevate To our amazing members,

this is your Chamber. We rely on your feedback and work

Thompson, the staff at the CVB has created unforgettable

hard to develop programs and events that are valuable to

marketing campaigns, collaborated with cutting-edge

you. This first year has been a time of learning, listening, and

tourism technology, and rebounded hotel room bookings

connecting with as many of you as possible. Thanks to the

to nearly pre-pandemic levels. Rachel, and Director of Sales

collaboration of our talented staff and so many dedicated

Nikki Fisher, both received national recognition for their work

volunteers, I have high expectations for this next year, and

in the hospitality industry. They continue to sell the story of

I’m excited to see what we can accomplish together.

St. Cloud and do so with a new and fresh approach. I’m proud of this organization, and thankful for the years I spent in the tourism industry. Julie Lunning President

impressed by all the people that leadership even more.

and growth. Under the guidance of Executive Director Rachel

industry, and each day I am

BusinessCentral Magazine.com // J U LY/ A U G U S T 2 0 2 2

2021-22 BOARD MEMBERS ____________________________ Marilyn Birkland, SCTimes/LocaliQ

Main Phone: 320-251-2940 • Automated Reservation Line: 320-656-3826 Program Hotline: 320-656-3825 • information@StCloudAreaChamber.com StCloudAreaChamber.com CONVENTION & VISITORS BUREAU STAFF ____________________________

ST. CLOUD AREA CHAMBER OF COMMERCE STAFF ____________________________ President: Julie Lunning, ext. 104 Vice President: Gail Ivers, ext. 109 Director of Programs & Events: Laura Wagner, ext. 131

Membership Specialist: Antoinette Valenzuela, ext. 134 Administrative Assistant: Vicki Lenneman, ext. 122 Administrative Assistant: Shelly Imdieke, ext. 100

Ron Brandenburg, Quinlivan & Hughes, Past Board Chair John Bryant, Geo-Comm Christy Gilleland, Gilleland Chevrolet Cadillac Tanja Goering Joe Hellie, CentraCare

Main Phone: 320-251-4170

Ray Herrington, Pioneer Place on Fifth

Executive Director: Rachel Thompson, ext. 128

Willie Jett, St. Cloud School District

Patrick Hollermann, InteleCONNECT

Director of Sales: Nikki Fisher, ext. 112

Kevin Johnson, K. Johnson Construction, Board Vice Chair

Sales Manager: Craig Besco, ext. 111

Paul Radeke, BerganKDV

Marketing Manager: Emily Bertram, ext. 129

Allison Waggoner, DCI Inc.

Sports and Special Events Manager: Mike Johnson, ext. 110

Dr. Jason Woods, St. Cloud State University

Bernie Perryman, Batteries Plus Bulbs, Board Chair Brenda Sickler, Theisen Dental Donella Westphal, Jules’ Bistro Colleen Zoffka, Park Industries

ORTHOPEDICS TO THE EXTREME. YOUR EXTREME.

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EDITOR’S NOTE

The Stuff of Dreams Blink. Wasn’t it just last month that I walked into the Chamber office for the first time, ready to start my new job as the Director of Communications and Marketing? Writing newsletters on a typewriter and returning phone calls from pink “You Have a Message” slips? Blink. Wasn’t it just last week that I received my first office computer with a 10” green screen? And organized trainings that we recorded on an audio cassette player to resell the tapes? Blink. Wasn’t it just yesterday that a fullcolor, 24-page magazine from the Bloomington Chamber landed on my desk? I marched into Chamber President Teresa Bohnen’s office and said, “I want to do this.” That was in the summer of 1999. With Teresa’s never-ending optimism, and a shocking amount of work, we debuted our own magazine in January 2000. Blink. Michelle Henderson, owner of BadCat Digital (see the story on page 34) recently received the Chamber’s Emerging Entrepreneur of the Year Award. Her fearless “Let’s try it!” attitude reminds me of that longago “I want to do this” conversation. Just for fun, I thought I’d share some of my favorite Business Central moments: Best Interview: Bill Parsons, Wiman Corp. Bill’s story went beyond inspiring. I returned to the office after the interview, sat down at the computer, and the story wrote itself.

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Favorite quote: “When luck knocks on your door, you don’t just open it, you grab her and drag her in kicking and screaming if you have to.” —Clint Lee, Weeres Pontoons

Favorite Cover: It’s a tie – Steve Palmer, Palmer Printing; Kevin Johnson, K. Johnson Construction; and Bob Ross, Cinema Entertainment. My goal with the cover has always been to create a personality portrait. If you’ve seen those covers, you’ve met those men. Most memorable photo shoot: The Bauerly Brothers. On a perfect summer day we put the brothers on a hill of aggregate and then proceeded to pour more aggregate on the hill. We almost buried them. Greatest honor: Interviewing the late Bishop John Kinney. His candor about the toughest times of his life was humbling. Favorite Issue: November/December 2008 – the issue that almost wasn’t. Just weeks before publication the magazine was caught up in the periphery of Tom Petters’ downfall. Designer Yola Hartmann rescued our files and Associate Publisher Wendy Hendricks re-signed every contract.

Our one mistake: We forgot to put the date on the cover. Not bad for a group of novice publishers. Now, 22+ publishing years later, I am retiring and giving a new editor the chance to experience all the joy, frustrations, deadlines, and rewards that are Business Central Magazine. Please indulge me while I acknowledge a few of the people who have made this phenomenal experience possible: Teresa Bohnen, who shared my vision of what a business magazine could be. Without Teresa there would be no Business Central. Wendy Hendricks and Melinda Vonderahe, our sales associates. Without advertising sales, (thank you advertisers!) there would be no Business Central. Yola Hartmann, our designer, partner, mentor, and friend. Yola was the one who saved the November/ December 2008 issue from oblivion, gave us the confidence to publish on our own, and has been committed to the success of the magazine ever since. Her suggestions, creativity, and flexibility have been a constant source of inspiration. And everyone else I didn’t mention and should have, because there’s never enough space to say everything I wish to say. Which is probably just as well. I dreamt of working on a magazine since I was in 10th grade. And now here we are, 136 issues later. It turns out dreams do come true. Until we meet again,

Gail Ivers, Editor

SADDEST MOMENTS

Saying goodbye to people who have graced our cover. This month our sympathy goes out to the family and friends of Don Helgeson, who died in April. Don was the owner of Gold’n Plump Poultry. He and his son, Mike, were featured on the cover of the SeptemberOctober 2002 issue of Business Central. Don and Mike were also the 2002 recipients of the St. Cloud Area Chamber’s Entrepreneurial Success Award for growing their company from a small enterprise to a large one, but he will be best remembered for his generosity and community support.

Publisher Julie Lunning // Managing Editor Gail Ivers CONTRIBUTING WRITERS Adina Arshad and Lynn MacDonald, St. Cloud State University

WEBSITE Vicki Lenneman

Lisa Bershok, MSW, LICSW, CentraCare

ADVERTISING Associate Publisher/Sales Melinda Vonderahe

Alicia Chapman, Bluebird Creative, LLC Dr. Fred E. Hill, St. Cloud State University Gail Ivers, St. Cloud Area Chamber of Commerce

Ad Traffic & Circulation Yola Hartmann, Hazel Tree Media

For advertising information contact Melinda Vonderahe, (320) 656-3808

Ari Kaufman, freelance writer Julie Lunning, St .Cloud Area Chamber of Commerce Kim Molitor and Carrie Christenson, Simplicity Redefined Jeanine Nistler, freelance writer Noah Schmidt, WhiteBox Marketing Jackie Schuh, Engelmeier & Umanah, P.A

1411 West St. Germain Street, Suite 101, P.O. Box 487, St. Cloud, MN 56302-0487 Phone (320) 251-2940 Fax (320) 251-0081 BusinessCentralMagazine.com

ART Design & Production Yola Hartmann, Hazel Tree Media Cover Story Photography Joel Butkowski, BDI Photography

Jessie Storlien, Stearns History Museum

Editorial suggestions can be made in writing to: Editor, Business Central, P.O. Box 487, St. Cloud, MN 56302-0487. Submission of materials does not guarantee publication. Unsolicited materials will not be returned unless accompanied by a stamped, self-addressed envelope.

DELIVERING EXCELLENCE IN EVERYTHING WE DO.

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UPFRONT GROW | NETWORK | PROFIT

N E WS & P EO P L E T H AT M A K E U P T H E C H A M B E R N E T W O R K

I N S I D E T H I S I S S U E : People to Know / Digging H is to ry / T h e Tro u b le w it h Bu s in e ss / Re g io n al Ro u n dup BOOK REVIEW

NEWS REEL

Anger as Fuel

BerganKDV announces merger

When used mindfully, anger can drive us to needed action, rather than harden our hearts. Reviewed by Dr. Fred Hill

BerganKDV and Simma Flottemesch and Orenstein (SFO), located in Minneapolis, have merged, effective June 1.

From politics, climate change, and the economy to racism, sexism, and a hundred other kinds of biases – things have never felt so urgent and uncertain. We want to take action, but so many of us struggle with overwhelm and burnout. And, on top of it all, we get so many messages telling us to relax, to ‘let it go’ and feel some other way about things. We’d like to think that emotional intelligence and mindfulness will

SFO offers extensive tax, audit, accounting and business advisory services to its clients and has been a prominent firm in the Twin Cities area

help – but why do these approaches so often fall short in fever-pitch moments?

since 1975. SFO will use the

–From Don’t Tell Me To Relax; Emotional Resilience In The Age of Rage, Feels & Freak-outs

BerganKDV name and branding.

uthor Ralph De La Rosa is a psychotherapist in private practice, a retreat leader, and a meditation instructor. In “Don’t Tell Me to Relax” he uses his friendly, warm style to effectively provide insights into identifying traumas and addressing guilt. He suggests self-care as a means for increasing one’s resilience, according to Publisher’s Weekly, “and that anger can be the fuel needed to take action instead of something that hardens one’s heart.” The book includes suggestions on improving mindfulness and exercises that turn his words into action. His book consists of four parts and fourteen chapters.

They are: 1 A Time To Be Fiery. Chapter 1 - The past is present. Chapter 2 - The wisdom of an enraged goddess. Chapter 3 Emotional alchemy. 2 A Time To Be Tender. Chapter 4 - What the selflove movement is missing. Chapter 5 - I can’t even. Chapter 6 - The bear we must learn to bear. Chapter 7 - About that meditation practice you’re kinda sorta sometimes maybe doing. 3 A Time To Understand. Chapter 8 - The defender and the sage. Chapter 9 - Why we hate. Chapter 10 - The neuropsychology of identity politics.

Coldspring receives awards 4 A Time To Work It Out. Chapter 11 - When they come at you the wrong way. Chapter 12 - We gotta talk. Chapter 13 - Called out or called in? Chapter 14 - Cutting through privilege guilt. The book also offers several practices that the reader can do. My favorite is called “Lovingkindness for all your inner children.” Chapter 9 - Why we hate, is also especially good. It addresses how we can deepen our understanding of implicit bias. Read this and relax. Ahhhhhhh, sweet peace. Dr. Fred E. Hill is an emeritus

Coldspring recently received two Pinnacle Awards of Excellence from the Natural Stone Institute in the Commercial Exterior Category. The two award winning projects were the Charles Library at Temple University in Philadelphia and Frederik Meijer Gardens & Sculpture Park in Grand Rapids, Mich.

Boy Scouts announce new Board positions Rob Hennen, managing principal of CLA St. Cloud, is the new board president for the Boy ScoutsCentral Minnesota Council. He will serve a two-year term ending in 2024. Troy Cameron,

professor at St. Cloud State

SVP senior lender, Falcon

University.

National Bank, was elected to serve on the council’s executive committee as VP Relations.

Don’ t Te l l Me To Re l ax; Emot i onal Resilien ce In Th e Age of Rage , Fe e l s & Freak- out s, R alph De La Ros a , LCSW, Sha m b ha la P ub l i catio n s, Bo u lder, Co lo rado , IS BN 9 78 16 118 0 8 40 7

BusinessCentral Magazine.com // J U LY/ A U G U S T 2 0 2 2

Send News Reel items to Gail Ivers, givers@businesscentralmagazine.com for possible inclusion.

Ask for

PEOPLE TO KNOW

Get Acquainted The following four individuals help make things work; get to know them now. Sam Lieser Purpose Driven Realty ________

(320) 248-6872 samlieser@pdrealty.net Chair: Sauk Rapids Chamber ________ The Sauk Rapids Chamber, a division of the St. Cloud Area Chamber of Commerce, promotes a healthy business environment in the community of Sauk Rapids. Volunteers and committee members work in cooperation with member businesses, local government, the public school system and other community organizations. Programs include the Sauk Rapids State of the City address and the Rock the River Business Expo.

Jeremy Salzbrun H & S Heating, A/C, Plumbing and Electrical ________

(320) 654-1522 jeremy@hsheatingandair.com Chair: Waite Park Chamber ________ The Waite Park Chamber, a division of the St. Cloud Area Chamber of Commerce, is a place where business, education and government come together for the betterment of the community. Programs include the Waite Park State of the City address.

Jenna Binsfeld Newport Academy ________

(320) 241-2019 jenna.binsfeld@newporthealthcare.com Chair: Star Celebration ________ The Star Celebration is the Chamber’s annual volunteer recognition celebration. Committee members are responsible for planning the event and soliciting sponsorships.

RECLAIM YOUR

GAME

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Linda Dvorak Premier Real Estate Services ________

(320) 316-3650 linda@jasonmillerhomes.com Chair: NEXT-Chamber’s Emerging Leaders ________ NEXT-Chamber’s Emerging Leaders provides networking and educational opportunities designed for the NEXT generation of business leaders in Central Minnesota.

320-259-4100 StCloudOrthopedics.com South St. Cloud & Sartell

#LiveBetter

J U LY/ A U G U S T 2 0 2 2 // BusinessCentralMagazine.com

NETWORK

UPFRONT

NEWS REEL Stearns Electric announces Board members; Operation Round Up Awards At its annual meeting in April, the

DIGGING HISTORY

First Lady of Dance Ruth Babler Englund Taught St. Cloud to Dance By Jessie Storlien

following people were elected to the Stearns Electric Board of Directors: Bob Niehaus, Melrose; Arlyn Lawrenz, Avon; and Michael Cramer, St. Augusta will fill threeyear terms; and Jeff Koehler, Belgrade, will serve a two-year term resulting from a vacancy.

Wolf receives prestigious “Sandra Day O’Connor” award Jonathan Wolf, attorney at Rinke Noonan, received the American Inns of Court 2021 Sandra Day Service. This award was presented at the American Inns of Court Celebration of Excellence Dinner, hosted by Chief Justice John G. Roberts, at the Supreme Court in Washington, D.C. The American Inns of Court honors individuals who are dedicated to professionalism, ethics, civility, and excellence within their practice of law. The Sandra Day O’Connor Award recognizes a young Inn member for excellence in public interest of pro bono activities based on a set of defined criteria. Fellow Rinke Noonan attorney, Nicholas Delaney, nominated Wolf for the award based on his exemplary record in public interest work and pro bono activities.

Anderson is top performer St. Cloud-based Bremer Bank employee Sander Anderson was named a top-producing loan officer by Minnesota Housing. This distinction recognizes individual loan officers with a high volume of Minnesota Housing program loans.

BusinessCentral Magazine.com // J U LY/ A U G U S T 2 0 2 2

he has been called St. Cloud’s “First Lady of Dance.” Ruth Babler Englund started the St. Cloud School of Dance in 1953. However, her career began long before the school opened. Babler Englund’s parents were vaudeville stars, traveling the same circuit as Jack Benny and Will Rogers. While her parents were on tour, she studied at the Lawlor Professional School in California. The school catered to children in the entertainment business with private dance lessons and music and drama classes, in addition to more traditional subjects. When the Depression created financial difficulties, Babler Englund and her parents moved to the family home in Glenwood, Minnesota. It was here, at age 13, Babler Englund

began her career by assisting physical education and theater teachers. In the early 1950s Babler Englund moved to St. Cloud and opened a dance studio. The St. Cloud School of Dance was started in her southside home with just two students. By 1973, the school offered a wide variety of lessons, including baton, gymnastics, tap, classical ballet, jazz, contemporary, modern, and ballroom dance. Why a career in dance? The answer is twofold. “First, out of necessity because of the Depression and secondly, because I love people, children and teaching,” Babler Englund told the St. Cloud Times in 1977. “I became a dance teacher in 1938 because I had to help earn a living, it was the only thing I had skills at,” she said in a later interview. Although she was 13 when she started her

Ballet dancing, St. Cloud School of Dance, St. Cloud, Minn., May 1976

first dance program, Babler Englund’s enthusiasm for teaching didn’t wane over the next 48 years. “I feel that every child – boy and girl – should at some time have a year of dance or gymnastics and a year of piano. It opens a lot of doors. It helps the child socialize and get along with others, helps the child mind and respond to directions, and helps the child develop an ear for rhythm, personality and art appreciation,” Babler Englund told the St. Cloud Times. “Dance is a wonderful way for people to use their energy and time and talent in a way that can be expressed beautifully and smoothly.” Babler Englund believed this education extended to teachers as well. “Learning

Courtesy of Stearns History Museum

O’Connor Award for Professional

Par tners dancing, St. Cloud School of Dance, St. Cloud, Minn. May 1976

never ends. There are always new ideas and dances. Once you think you know everything, you better quit teaching.” One of the cornerstones of Babler Englund’s teaching philosophy was equal access to lessons. She was known for keeping the price of lessons as low as possible. Escape Magazine wrote in 1982, “…Mrs. Englund feels that every child should have an opportunity for artistic training.” Babler Englund shared her best teaching advice with the St. Cloud Times in 1986. “To teach students to dance, all you have to do is love them, love them a lot, and never,

never become angry.” St. Cloud State University philosophy professor David Boyer began taking ballet lessons at age 35 from Babler Englund. “She was a remarkable person and was really unique as a teacher,” he said. “She didn’t use harshness or anything like that to teach. She made sure that everyone was a star.” Babler Englund believed in setting expectations and goals. According to the Escape Magazine story “She feels strongly that when a child or adult knows you care about them personally they respond ....Give them goals, aims and incentives. If she had her way [all] children would have

large doses of love and challenge. Babler Englund feels if you ‘Expect much you receive much,’ and that children really respond to firm, loving guidance.” Babler Englund’s daughter, Sue Arnold, took over the dance school in 1985. Babler Englund was interviewed one last time by the St. Cloud Times in 1986 after she had been diagnosed with incurable cancer. She told the reporter, “The truth of the matter is that I’ve had a wonderful life. Whether I stay or go – either way – I win.” Jessie Storlien is an archivist at the Stearns History Museum in St. Cloud.

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NETWORK

UPFRONT

NEWS REEL Attorneys join Rinke Noonan Jake Petersen and

THE TROUBLE WITH BUSINESS

Stressed Out!

Nikolai J. Kleven

We all complain about stress. It’s time to do something about it.

recently joined

By Lisa Bershok, MSW, LICSW

the law practice

negatively compare your life to others.

of Rinke Noonan. Peterson focuses on personal injury,

2.Practice gratitude. Be

business law, criminal defense, and probate and trust litigation. Kleven practices in the areas of environmental law, agricultural law, and litigation.

Stearns Bank hires new coordinator Mohamed Farah joins Stearns Bank, N.A., as its community development coordinator. This is a new position created in collaboration with the African Development Center, Minneapolis. The African Development Center’s mission is to grow business, build wealth, and increase reinvestment in the African communities of Minnesota. Farah will lead Stearns Bank’s efforts to support the success of the African Development Center.

Granite City Real Estate changes name Granite City Real Estate has changed its name and logo to GC Real Estate Partners. The change is aimed at better representing a wider service area and its expanded service offerings. The company now serves clients across Minnesota and into North Dakota.

Catholic Charities hires new directors Catholic Charities promoted Michelle Arnold to the position of director of human resources. She has worked for Catholic Charities since 2004. Chad Bösl has been hired as the director of behavioral health services.

BusinessCentral Magazine.com // J U LY/ A U G U S T 2 0 2 2

veryone is talking about it – workers today feel stressed on the job and it’s taking a toll on their sleep, health, relationships, productivity, and sense of wellbeing. Add to that the stress brought on by the pandemic – from losing a job to catching COVID – and it’s no wonder stress is on everyone’s mind. Eight in 10 workers say they are stressed by at least one thing at work. About 1 in 2 workers in low-paying jobs say their job has a negative effect on their stress levels, while about 4 in 10 in medium- and high-paying jobs say the same, according to several sources cited by Happify Health, a New York City-based company that helps employees develop skills to reduce stress. Both employees and employers can take steps to help reduce stress. Here are eight suggestions to get you started:

1.Stay positive. It’s

important to try to have a positive outlook. Staying positive doesn’t mean you never feel negative emotions, such as sadness or anger, but you don’t want those emotions to take over. A positive attitude helps you respond to a problem. A tip to help with a positive mindset is to start your day with a positive affirmation, “today will be a good day” or “I am resilient in the face of difficulties.” This simple practice has been shown to increase overall happiness and allows us to navigate difficult situations as they arise by being compassionate with ourselves and others. Take a break from negative information. Know when to stop watching or reading the news. Use social media to reach out for support and feel connected to others, but don’t get into arguments or

thankful for the good things in your life every day — either by thinking about them or writing them down. These can be big things, such as the support you have from loved ones, or little things, such as enjoying a nice meal. When you are stressed, you may not notice there also are moments when you have positive emotions. Gratitude has been found to positively impact our relationships and physical health. It helps us to be more resilient and experience higher levels of positive emotions. 3 Take care of your physical health. Your physical and

mental health are connected. It’s important to: Be physically active.

Exercise can reduce feelings of stress and depression and improve your mood. Get enough sleep. If you don’t sleep well, you may become more easily annoyed and angry. Over the longterm, a lack of quality sleep can make you more likely to become depressed. Eat a well-balanced diet.

Good nutrition will help you feel better physically and also could improve your mood. For example, not having enough vitamin B may contribute to depression.

4 Connect with others.

We are social creatures and it’s important to have strong, healthy relationships. Beyond connecting with family and friends, it’s good to have different types of connections within your community. For example, you could volunteer for a local organization or join a group that is focused on a hobby you enjoy. 5.Develop a sense of meaning and purpose in life.

This could be through your job, volunteering, learning new skills, or exploring your spirituality. 6 Improve coping skills. The

methods you use to deal with stressful situations can help you take action, be flexible, and decide to solve a problem. Therapy is a wonderful tool to support your growth in this area. Therapists can assist you in developing new coping skills to deal with challenges everyone experiences in their lives, or difficulties with mood or sleep patterns.

A specific, comfortable posture. This could be sitting,

lying down, or walking. A focus of attention, such as a specially chosen word or set of words, an object, or your breathing. An open attitude, where you try to let distractions come and go naturally without judging them. Apps like Headspace, Calm, and Insight Timer are

free and can help you develop a meditation and relaxation practice. 8 Relax. Practice techniques

to slow your breathing, lower your blood pressure, and reduce muscle tension and stress. Types of relaxation techniques include: Progressive relaxation,

where you tighten and relax different muscle groups, sometimes while using mental imagery or breathing exercises. Deep breathing exercises,

which involve focusing on taking slow, deep, even breaths. Lisa Bershok, MSW, LICSW, is the

7 Meditate. There are many

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types of meditation, which Program Manager usually involve: For more on this topic, visit A quiet location with as few distractions as possible. BusinessCentralMagazine.com

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IN THE NEWS

PleasureLand acquires dealership

Because friendly still counts.

PleasureLand RV Center Inc. has acquired Coulee Region RV of West Salem. This location will carry the full line of Grand Design, Crossroads and Winnebago motorized RVs, along with an RV repair/parts facility and accessory store. The location will also provide vacation rentals.

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NEWS REEL UBS employees earn distinction Michael Karl,

REGIONAL ROUNDUP

A Good Year

branch manager

Growth, partnerships, and continued financial health highlighted at Sauk Rapids State of the City address.

and managing

By Gail Ivers

UBS St. Cloud

director of wealth management, was named to UBS’s 2022 Chairman’s Council, which recognizes the firm’s top financial advisers based on certain criteria. Matthew Nikodym, senior vice president of wealth management in St. Cloud, and senior portfolio manager and senior retirement plan consultant, was named to the UBS 2022 President’s Council.

Initiative Foundation Awards Grants The Initiative Foundation delivered 596 grants during the first quarter of 2022 with a value of $5.9 million. A substantial portion of these grants provided support to COVID-affected businesses across Central Minnesota through a partnership with the Minnesota Department of Employment and Economic Development (DEED). ________ The Initiative Foundation was also awarded a $4.5 million grant from DEED’s Main Street Economic Revitalization Program to support economic development projects in downtown areas and select corridors including St. Cloud/East St. Cloud.

Wayne receives national award Christopher Wayne, president, CEO, and a financial advisor at Laraway Financial Advisors was awarded the National Outstanding Eagle Scout Award for public service at the local, state and national level. The honor is given to individuals who have inspired others through positive actions reflected by recognized accomplishments and devotion to their professions, avocations, communities, and beliefs.

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auk Rapids Mayor Kurt Hunstiger likes to start his State of the City address by talking finances. He has reason to brag. The total city debt at the end of 2012 was $21.7 million. At the end of 2021 that debt had been reduced to $10.2 million. All while maintaining one of the lowest tax rates in the area and building a community that is attracting businesses, employees, and residents. Acknowledging the challenges of living and governing during the pandemic, Mayor Hunstiger pointed out that if there can be a silver lining it’s that the city has received $1.5 million as a result of the American Rescue Plan Act. “To date the city has spent $1.2 million of these funds on our Southside Lift Station,” he said. “That lift station handles about 70 percent of the city’s sewage that’s transferred to the St. Cloud wastewater treatment facility.”

Hiring is at the top of the list of goals for the city. It hopes to add two to three police officers this year, but the pool of candidates is small. “In the past it was common to get almost 200 applications for open police officer positions,” according to Mayor Hunstiger. “When the city accepted applications in the fall of 2021, only seven applications were received.” There is also an opening for an additional support staff in the police department, and a new park position that’s been created to meet the growing demands of the park properties and facilities. In partnership with the City of Sartell, Sauk Rapids took delivery of a 100-foot ladder aerial truck. This replaces a 40-year-old articulating boom truck. In 2021, the fire department responded to 228 calls for

service. Of general concern is the health and safety of firefighters. Providing shower and laundry facilities to keep carcinogens at a minimum and continuous training on cancer prevention is a priority, according to Mayor Hunstiger. Acknowledging the significant damage caused by a July 2021 hailstorm that hit the community, the mayor shared that the city issued 1,057 reroofing and siding permits related to storm damage. Because of the massive influx of storm damage permits, and the resulting inspections, Mayor Hunstiger anticipates that dealing with the storm damage could be a two- or three-year process. A project that has all city staff excited is the planned improvements at Mayhew Creek Park, according to City Administrator Ross Olson. In 1998 the city purchased land that had previously been a farm. The property is adjacent to Sauk Rapids-Rice High School, which was built in 2003. Plans are underway for major improvements to the park over the next several years. Watch for four little league fields, a water park with an outdoor lap pool, a single-sheet hockey facility, and a year-round

To view the Sauk Rapids Community video, visit BusinessCentralMagazine.com

Courtesy of the City of Sauk Rapids

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UPFRONT

multi-purpose domed athletic field with heated artificial turf. In addition to being a multiyear project, the Mayhew Creek park improvements involve partnerships with the school district, Sauk Rapids Youth Baseball, Sauk Rapids Youth Hockey, and Benton County.

ARCHITECTURAL SHEETMETAL

Highlights In 2021 the City: Permitted construction projects with a total valuation of $36 million

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Permitted 20 single family dwellings. Administered a rental

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approximately 2,400 units Worked on the G&J Awning expansion and helped facilitate the purchase of the old G&J Awning building Developed a plan that brought Copper Pony to the downtown area Worked with Rice Building Systems on a new Sherwin Williams Building Came to an agreement to sell land to Manea’s Meats for its expansion Used $215,000 from

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Municipal Liquor store sales to purchase fire equipment and other capital equipment purchases 2022 Goals Reconstruct Industrial Boulevard and 2nd Avenue N Design Riverfront Parks Phase 2 project Rehab the 13th Street S lift

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TOPHATS GROW | NETWORK

PROFIT

TO P H ATS S H O W C A S E C E N T R A L M I N N ES OTA

Become familiar with new business, a remodel, expansion, or new ownership around town. MILESTONES

50 YEAR MEMBER Schlenner Wenner & Co., certified public accounting firm, 630 Roosevelt Road, ste 201, St. Cloud. Pictured: Mary Swingle, Brian Skluzacek, Brian Bastian, Jon Archer, Steve Schueller, Pat Plamann, Aaron Smith, Jill Hoffmann, Patrick Hollermann.

NEW MEMBERS

5 YEARS IN BUSINESS: Modern Barnyard, repurposed, reimagined furniture, home décor and gift store, 7285 County Road 75, St. Cloud. Pictured: Tim McLean, John Malikowski, Jim Beck, Jason Miller.

NEW MEMBER Landline, connects travelers with several daily round trips from the St. Cloud area, 1550 45th Ave. SE, ste 15, St. Cloud. Pictured: Chris Jacques, Liz Thiesse, Sand Jokela, Mary Swingle.

NEW MEMBER Skatin’ Place, family entertainment center with skating, arcade, bounce house and laser tag, 3302 Southway Drive, St. Cloud. Pictured: Brady DeGagne, Jeff Jackson, Katie Jackson, Donna Roerick.

NEW MEMBER Blue Cross and Blue Shield of Minnesota, individual and family insurance plans, 125 33rd Ave. S, St. Cloud. Pictured: Mary Swingle, Laura Capes, Bradley McDonald, Tim McLean.

NEW MEMBER Francis Landscape Essentials LLC, landscape services, 13152 Bradley Blvd, Becker. Pictured: Kristin Hannon, Danielle Hager, Francis Ford, Bernie Perryman.

NEW MEMBER Pro Resources, human resource solutions for organizations, 1271 U.S. Highway 10 W, Detroit Lakes. Pictured: Brian Jarl, Allison Kampa, Jason Miller.

NEW MEMBER The RD Yogi, helps improve your relationship with food and body. Pictured: Paul Ravenberg, Alexis Demuth, Julie Forsberg.

NEW MEMBER Crumbl Cookies, cookie bakery, 3959 Second Street S, ste 204, St. Cloud. Pictured: Julie Forsberg, Jess Conard, Bernie Perryman, Brian Howell, Mikhaela Kinsey, Mark Howell, Christine Howell, Lorri Beth Howell, Donna Roerick.

NEW MEMBERS

NEW MEMBER Dick’s Nuisance Animal Control of St. Cloud, takes care of wildlife issues, 1604 37th Street S, St. Cloud. Pictured: Julie Forsberg, Travis Theis, Paul Ravenberg.

I am happiest when I am helping others succeed. Proud to serve the businesses that advertise in Business Central ADVERTISE TODAY! Contact Melinda Vonderahe Associate Publisher, 320.656.3808 MelindaV@BusinessCentralMagazine.com

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NEW MEMBERS

NEW MEMBER St. Cloud Pediatrics, primary care clinic for pediatric patients, 3290 42nd Ave. S, ste 100, St. Cloud. Pictured: April Diederich, Dr. Weining Hu, Dr. Emily Korman, Bernie Perryman.

NEW MEMBER Central MN Society for Human Resources, PO Box 824, St. Cloud. Pictured: Mary Swingle, Georgia McCann, Laken Beeler-Kerestes, Bernie Perryman.

NEW MEMBER Filsan Talent Partners, employment agency, 3333 W Division Street, ste 112A, St. Cloud. Pictured: Mary Swingle, Abdi Mahad, Huda Ibrahim, Megan Kalk, Clint Lentner.

NEW MEMBER Sterling Park Assisted Living, independent living and assisted living to those over 65, 35 First Ave. N, Waite Park. Pictured: Jason Miller, Mary Hendrickson, Rory Cruser

NEW MEMBER American Family Insurance – Jennifer Ramos, insurance agent, 209 3rd Ave. N, Sauk Rapids. Pictured: Peg Imholte, Morgan Ewald, Jennifer Ramos, Jill Mongon, Bernie Perryman.

NEW MEMBER Bella Vita Salt Caves, dry salt cave, 707 W St. Germain Street, St. Cloud. Pictured: Brenda Eisenschenk, Christina Piecek, Debbie Clausen.

NEW MEMBER The Perfect Fit, personal training, 31 First Ave. NW, St. Joseph. Pictured: April Diederich, Julia Krengel, Amanda Groethe.

NEW MEMBER EOS Worldwide, Andres Coaching & Consulting LLC, EOS implementer helping businesses, 22361 Otremba Road, Pierz. Pictured: Jason Miller, Steven Andres, Brenda Eisenschenk.

NEW MEMBER Unique Movers LLC, locally owned moving company, 444 66th Street NW, Sauk Rapids. Pictured: Rory Cruser, Connor Steen, Tim McLean.

NEW MEMBER The Patagonia & Gilibertos Inc., restaurant, 125 Fifth Ave. S, St. Cloud. Pictured: Rory Cruser, Florencia Adlin, Tim McLean.

Make A Better Choice:

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NEW MEMBERS

NEW MEMBER Re/Max-The Janel Morgan Team, real estate, 3950 Third Street N, St. Cloud. Pictured: Brady DeGagne, Morgan Weisen, Cristy Lahr, Mitchell Dale, Janel Morgan, April Diederich.

NEW MEMBER Crew Carwash, automotive cleaning and detail, 4118 W Division Street, St. Cloud. Pictured: Rory Cruser, Kadee, Michael, Nilyn, James, Jason, Charles, Brian Jarl, Taryn Plamann.

NEW MEMBER Lincoln Wedding & Event Rentals, rental equipment, 1816 W St. Germain Street, St. Cloud. Pictured: Patrick Hollermann, Christina Lincoln, Jenna Kittelson, Carol Peterson, Tyler Toenjes, Jason Miller.

NEW MEMBER Glik’s, women’s boutique, Crossroads Center, St. Cloud. Pictured: Julie Forsberg, Kathi Hill, Christy Zahradnik, Susan Patterson, Sharla Evans, Anna Merdan, Laura Wiepen, Carl Newbanks, Katie Jenniges.

NEW MEMBER Great River Children’s Museum, nonprofit creating space to encourage learning in children, 111 Seventh Ave. S, St. Cloud. Pictured: April Diederich, Kylie Conover, Jessica Krull, Cassie Miles, Vincent Miles, Sheri Moran

N E W LO C AT I O N S , O W N E R S H I P A N D E X PA N S I O N S

NEW LOCATION InteleCONNECT, telecommunications consulting, 3360 Quail Road NE, Sauk Rapids. Pictured: Jason Miller, Lisa Vouk, Brenda Eisenschenk, Robin Grote, Patrick Hollermann, Mary Swingle.

NEW LOCATION Knight Barry Title United LLC, title, abstract and real estate closings, 818 Second Street S, ste 180, Waite Park. Pictured: Chris Jacques, Bailey Bussmann, Pattie Peterson, Dana Laudenbach, Shelly Muske, Becky Fiedler, Dave Erickson, Brady DeGagne.

Welcome MidCountry Bank welcomes Kyle Wahlin to the St. Cloud community as our Commercial Banking Manager. As a banker who has lived and worked in the area for over two decades, Kyle knows that opportunities are out there for busineses in the community to grow. Contact Kyle to get the conversation started!

Isn't it time you get treated like a VIP?

Kyle Wahlin

SVP, Commercial Banking Manager

www.MidCountry.bank

1113 W St. Germain St, St. Cloud, MN 56301 Direct: 952-0698-6233 | Cell: 320-493-2779 20

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vye.agency

DOING GOOD

Yard Duty

IN THE NEWS

Courtesy of Stearns Electric

Employees of Stearns Electric spent several hours volunteering at Quiet Oaks Hospice House in May.

s part of Stearns Electric Association’s ‘My Co-op Cares’ community involvement program, cooperative employee volunteers spent the day working at Quiet Oaks Hospice House. The volunteers assisted Quiet Oaks with several landscaping projects including cleaning out the pond, expanding a garden, and relocating plants.

A few Stearns Electric line workers cut down dead trees throughout the property and hauled away brush. Before beginning work, Stearns Electric volunteers met with Quiet Oaks Executive Director Linda Allen and received a tour of the facility. Allen educated employee volunteers on the mission of Quiet Oaks Hospice House and shared stories with the group. Stearns Electric’s ‘My Co-op Cares’ program allows Cooperative employees the opportunity to volunteer during working hours within Stearns Electric’s service territory. Three times per year, Stearns Electric sends teams of employees out to local organizations and charitable causes to share their time and talents.

INNOVATIVE

TECHNOLOGY SOLUTIONS

Maher Receives study award JLG Architects’ Derek Maher, AIA, received the 2022 Ralph Rapson Traveling Study Award presented by the Minnesota Architectural Foundation. The design competition was based on a commons and theatre space scheme for St. Paul’s Cass Gilbert Memorial Park. He will receive funding of $16,000 to advance his education in architecture through travel. Maher has been a project designer with JLG Architects since 2011, receiving his Master of Architecture from North Dakota State University in 2008. He is planning to use the funding to study Renaissance architecture in Italy.

SERVICES & SOLUTIONS Flexible Managed IT Services Cybersecurity Cloud Solutions Collaboration and Calling Help Desk Support Advisory and Consulting Network Infrastructure

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Business Intelligence & Analytics Data Systems Integrations Custom Application Development Website Development & Hosting Business Digitization

Dedication to Customer Success | Commitment to Employees | Responsible Innovation

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NETWORKCENTRAL GROW | NETWORK | PROFIT

E V E N T S A R O U N D T H E ST. C LO U D A R E A

M O R E O N E V E N T S : Fo r i n f o r m a t i o n o n t h e s e o r o t h e r b u s i n e s s e v e n t s , c a l l 3 2 0 -2 51 -2 9 4 0 o r v i s i t S t C l o u d A r e a C h a m b e r. c o m a n d c l i c k o n “ C a l e n d a r.”

Grow! Network! Profit! St. Cloud Area Chamber’s Business Awards Luncheon recognizes excellence in business. Photos courtesy of Jeff “Yuppy” Yapuncich, YuppyPhoto

(L-R) John, Dee, Jackson, LeRae, Bentley, and Pete Rengel, Rengel Printing. Pete Rengel received the 2022 Family-Owned Business of the Year Award for successfully purchasing and growing the family business for more than 15 years.

Tom Frericks, Ultimate Sports Bar, the 2022 St. Cloud Area Small Business Owner of the Year

(L-R, standing) St. Cloud Area Small Business Owners of the Year: Jim Kruse, J.F. Kruse Jewelers, 2014; Joe Francis, Central McGowan, 2021; and Mark Traut, Traut Companies, 1998

(From Left) St. Cloud Area Small Business Owners of the Year: Tom Schlough, Park Industries, 1996, and Roger Bechtold, American Door Works, 1994 22

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Byron Bjorklund, Custom Catering, 2009 St. Cloud Area Small Business Owner of the Year

Mike Fitch, SCR, 1997 St. Cloud Area Small Business Owner of the Year

Michelle Henderson, BadCat Digital, the 2022 St. Cloud Area Emerging Entrepreneur

Kevin Johnson, K. Johnson Construction, 2017 St. Cloud Area Small Business Owner of the Year

Bernie Perryman, Batteries Plus, chair of the Chamber’s Board of Directors and 2019 Athena Recipient

Peggy and Frank Imholte, Black Diamond Auctions

Donella Westphal, Jules’ Bistro, 2021 Business Central Mark of ExcellenceWoman in Business Champion (L), and Tara Gronhovd, ALIGN

Zachary Rieger, US Bank (L); Rachel Templin, Tri-County Abstract; Jeff “Yuppy” Yapuncich, YuppyPhoto

Julie Lunning, St. Cloud Area Chamber President; John Herges, Falcon National Bank

Doug Severson, Handyman’s, 2019 St. Cloud Area Small Business Owner of the Year; John Uran and John Schroeder, Townsquare Media; Mark Held, Handyman’s

CONFIDENCE.

It’s that feeling you get when your CFP® collaborates with tax professionals for a tax-efficient wealth management strategy.

BECCA OELRICH, CFP® BerganKDV Wealth Management, LLC

STEVEN LEEN, CPA, CGMA BerganKDV, Ltd.

JEAN MASSMANN, CPA BerganKDV, Ltd.

ADAM HEATHCOTE, CFP® BerganKDV Wealth Management, LLC

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BUSINESSTOOLS GROW

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R ES O U RC ES T H AT H E L P YO U R B US I N ESS G RO W

I N S I D E T H I S I S S U E : Entrepreneu r is m / Manageme n t To o l k it / Eco n o my Ce n t ral by Falco n Ban k ENTREPRENEURISM

Controlling Chaos A clean, organized workspace can save time, stress and even money. By Kim Molitor and Carrie Christensen

workspace can save time, stress and even money. If you’re feeling overwhelmed by your messy, disorganized space, take a hard look and see what’s overwhelming you the most. Organization covers just about anything that will keep your day-to-day needs and schedule on track. Here are several ideas to help you get started. Declutter Your Space

f you’ve given up on your New Year’s resolutions, here’s a great one to bring back for spring: become more organized. You’ll have a sense of renewal as you declutter and organize following a long, hard winter. Whether this includes

your office, pantry, closet, or car, the key is to make the goals simple and attainable in order to achieve success. Any number of studies show how being organized can increase your overall productivity. A clean, organized

Contributors ________ Kim Molitor and Carrie Christensen are the owners of Simplicity Redefined, providing functional space design, productivity, and home improvement solutions.

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The best and most efficient way to declutter a space is to start by taking everything out. Decluttering is all about making room for the things that truly matter. Be honest with yourself, do you use it, need it, or love it? If not, either throw it away or create a donation box. Fight the temptation to re-organize your clutter. Be sure you’re getting rid of things, not simply putting them away. Find Systems that Work for You

As you organize all the items you decide to keep, remember to keep it simple. It is imperative you give everything a designated place within your newly organized space. This may include purchasing file folders, baskets, drawer dividers, or simply being aware of the flow of traffic and clutter in your environment.

Everything you’re organizing should be accessible, and kept in a place that is functional. Regularly Address Functionality of Your Space

The goal is for your organized spaces to be kept clean and tidy. However, you may need to make a few adjustments. If your space is starting to get cluttered again, re-evaluate. Many times it’s simply that there’s too much stuff in the space, the items are not easily accessible, or things are not getting put back in their proper place. You will be amazed how a few minor adjustments can make a significant difference. Establish a Routine

Daily routines can help you maximize your time. Schedule a few minutes at the end of each day to tidy your workspace or your home. Put items back where they belong so you can find them the next time they’re needed. Keeping spaces organized will give you a sense of calm and new beginnings. There are many systems that can aid with organization, making your life simpler and reducing daily distractions to help you move toward your goals.

THE IDEAL CHOICE

COMMERCIAL GENERAL CONTRACTOR

TECH NEWS

Methane as … Almost Anything Else Methane is one of the fastest growing greenhouse gases in the atmosphere. It’s also the primary contributor to the formation of ground-level ozone, a hazardous air pollutant. So it’s no surprise that converting methane into almost anything else has become a growing area of research. Researchers at Northwestern University isolated the enzyme in a specific bacteria that naturally converts methane into liquid methanol, a fuel that can power vehicles while burning 95 percent cleaner than conventional fuels. The Pacific Northwest National Laboratory and West Virginia University developed a process that converts methane into hydrogen, all without emitting any carbon dioxide.

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Source: Future Today Institute

Digital Seniors Many seniors beat back isolation and loneliness during COVID-19 by learning to shop online, enjoy social media and use VR headsets. These ‘empowered elders’ are now listed as a top-10 global consumer trend for 2022, according to a report from Euromonitor. If you’re sitting on a tech idea aimed at people 50 and over, AARP’s accelerator program, the AgeTech Collaborative, may have the financing you’ve been looking for. Source: AXIOS

GROWING COMPANIES ENHANCING COMMUNITIES

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Buy-Sell Agreements If you share ownership of a business, you should have a buy-sell agreement. By Jacqueline M. Schuh

n creating and providing legal services to businesses of all sizes, a frequent topic of interest is “Buy-Sell Agreements.” What is it? And do I need one? Buy-Sell Agreements (BSAs) are contracts between two or more individuals who own a business. BSAs address issues such as what happens if an owner is disabled or dies? Who takes control of the business? Who gets the business? These are not simple questions. BSAs sometimes include exhibits or addendums to address related issues, such as Key-Person

Insurance and the use of the proceeds of a policy. Generally, business owners should have a BSA if there is more than one owner of the business, with the exception of spouses who jointly own a business. BSAs typically address three main topics.

both cognitive and physical disabilities. For example, if an individual is cognitively disabled, the individual’s ability to meaningfully participate in the business may be impacted and decisions must be made as to whether: (a) that individual should remain an owner, or (b) that owner’s Attorney-inFact can or should assume control of that owner’s shares or member units, or (c) the disability should trigger a sale of that owner’s shares or member units. A physician’s medical opinion may be required to confirm a diagnosis and the extent of the disability. A BSA can address and memorialize, in detail, the steps that must be taken to protect each owner’s interests and to define the terms of a sale, including rights of first purchase by other owners, valuation of the shares or units, and options for financing. The BSA provides clarity as to how to proceed in an orderly process.

1 What happens if an

2 What happens if

owner is disabled? A BSA should always be created in consultation with your business attorney. Your attorney can explain the possible options should a disability occur to one of the owners. Consider

an owner dies? When an owner dies, ownership is not always transferred the way you anticipate. The business may or may not pass to beneficiaries selected by the owner. In fact, whether the owner has a will, a trust, or whether the assets pass under Minnesota law, may not be determinative as to who gets the business interest. For example, if I own a construction company

Contributor ________ Jacqueline M. Schuh is an attorney with Engelmeier & Umanah, P.A.

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and become disabled, I may have enough employees, and the company may be able to promote or hire a manager to take over my duties. If so, I can continue to own and receive passive income from the company. But if I die, my business passes to my beneficiaries, right? Not so fast. My business may pass to my beneficiaries under the terms of my will, trust, or, if I do not have a will or trust, then under Minnesota law. If so, my beneficiaries must then decide whether to (a) work at the business, or (b) hire a manager to run the business and receive passive income, or (c) wind down the company by paying all bills, selling assets, and keeping any remaining monies as the inheritance. But for licensed professionals (i.e. doctors, optometrists, dentists, attorneys, morticians, and certain other licensed occupations), the business can only be taken over by another licensed professional. Beneficiaries of a deceased licensed professional who owns a business, cannot assume ownership or control under Minnesota law regardless of the fact that they are named beneficiaries under a will, trust, or Minnesota law. In other words, under state law, (both in Minnesota and in other states), there are restrictions about who can own and run certain professional businesses. In these

It’s more than a manufacturing plant. It’s a family-owned business where 300+ associates work together to innovate and put customers first.

instances, the business must hire or be sold to another licensed professional, or it must be shut down and dissolved. A BSA will include provisions about transfer or sale upon the death of an owner, including rights of first purchase, and a sale to a third party, and often includes statutory restrictions on transfer for licensed professionals. 3 How are shares or member units transferred? In addition to disability or death, a BSA addresses the steps to transfer shares or member units from one person to another. Legal documents must be reviewed, and additional legal documents drafted, to correctly memorialize the passing of a business interest. A BSA does not include or refer to the documents needed because the specific documents that are needed must be determined by an attorney at the time of transfer.

TECH NEWS

At W. Gohman, we have been creating environments where people work, play, and learn for more than 70 years. From renovation and historic rehabs to large and technically complex projects, our mission is the same: to create beautiful, functional gathering places that bring the community together. Because this isn’t just a manufacturing facility. It’s our future.

PARK INDUSTRIES

GENERAL CONTRACTOR

CONSTRUCTION MANAGEMENT

DESIGN/BUILD

BUILDING + REMODELING

320.363.7781 wgohman.com

LOOKING FORWARD TO SERVING OUR COMMUNITY IN THE COMING YEAR

Third Space Worksites More than one-third of all remote hours are now spent in a location other than the home. These working hours are spent at “third places,” a term used in sociology to represent nonwork, nonhome locations. There’s nothing like a new trend to excite the entrepreneur in everyone. For instance, hotels have recently begun offering daytime-only booking of vacant rooms for local remote workers. In Japan, karaoke parlors are promoting their small soundproof lounges as the perfect locale for video conferences. Source: The Hill

www.DESIGNELECT.com CONTACT US FOR ALL YOUR COMMERCIAL WIRING NEEDS STILL GREAT REBATES ON LED LIGHTING UPGRADES CONTACT OUR PROFESSIONAL SERVICE TEAM

COMMERCIAL

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INDUSTRIAL

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Lost Your Sizzle? If your marketing efforts have lost their sizzle, here are three ways to get them back on track. By Noah Schmidt

where they will be exposed to the message, and why they will be exposed to the message. With those areas properly addressed you can start expanding on the individual areas like timing, advertising medium, placement, target audience, etc. Murky Goals

arketing is an essential tool for businesses. When used correctly, it gives your brand a voice, builds trust, communicates to consumers, and increases your sales. When done incorrectly, it can deteriorate your return on investment (ROI) and potentially be a turn-off to consumers. If that last sentence seems to resonate with you, it’s time to pinpoint the “why” behind marketing that just isn’t working. Here are three common reasons marketing efforts can fizzle,

as well as easy ways to get everything back on track. Lack of Strategy

To create a well-performing campaign or advertisement, you need to start with a solid strategy. On the most basic level, you need to be able to answer the 5 Ws: Who, What, When, Where, and Why. It may seem elementary, but every successful campaign properly addresses the audience(s) you are targeting, the message you are trying to get across to consumers, when they will be exposed to the message,

One of the biggest mistakes when starting a campaign or placing advertisements is not setting goals for performance. Without goals, you will have no meaningful way to evaluate the performance of your marketing, which will make it even more difficult to gauge ROI. Additionally, it is important that your goals can be measured in some way and that they are realistic, attainable goals. Setting clear goals – along with continuous evaluation of the performance of your campaigns – will help you identify what’s working well,

The average consumer needs to view or hear your message at least seven times to take the next step, and 20 times for the message to be memorable. what’s not working, and where you can adjust to maximize your marketing investment. Improperly Mixed Media

Contributor ________ Noah Schmidt is a designer at WhiteBox Marketing, a full-service marketing agency in St. Cloud.

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feel compelled to take action. The average consumer needs to view or hear your message at least seven times to take the next step, and 20 times for the message to be memorable. For these reasons, it’s important to be reaching your consumers with your message multiple times, in multiple ways. To determine your media mix, it’s crucial to know where and how your consumers are spending time to ensure you reach them in the way they prefer to be communicated to, whether that be by text, mail, radio, social media, or some other way. Having a balanced mix of advertising mediums that your consumers use regularly will ensure they are receiving your message multiple times and in multiple formats to help reinforce your message. Strategy, goals, and media mix are just a few of the many factors that influence the

An improper media mix can be detrimental to the performance of a campaign. Consumers need multiple touchpoints before they

performance of your campaign and advertisements. With a solid understanding and development of these three areas, your next advertisement or campaign can start on the right foot and keep going in a direction that’s effective for your business.

TECH NEWS

Robo-Pup Autonomous robots, weirdly reminiscent of headless dogs (sorry to put that image in your head) are finding multiple uses around the world. In March, the New York Fire Department started using the robot dogs on search and rescue missions. Each “Spot” robot is controlled by a human operator and is able to collect images and data. On the other side of the world in the Roman city of Pompeii, Spot is walking across bricks and dirt at archaeological sites to monitor existing buildings for structural weaknesses, especially in areas that could be dangerous to humans. Over the last 2,000 years, tomb raiders have dug tunnels under Pompeii, making the area unstable. Robots can help speed up the restoration in total safety. Source: Washington Post

BY THE NUMBERS

Digital Work Skills Global survey shows everyday digital activity doesn’t translate to the workplace.

76% Workers who do

not feel ready to operate in a digital-first world

28% Workers who are

actively involved in digital skills learning and training

31% Gen Z survey

respondents who believe they have the advanced digital workplace skills needed by businesses today Source: Essence

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GROW

BUSINESSTOOLS

Economy Central presented by

ECONOMY CENTRAL

School or Work? What does the decline in college enrollment mean for the labor market – today and into the future? By Adina Arshad and Lynn MacDonald

n 2020, overall college enrollment was at its lowest level since 2007. To put this in perspective, 2018 college enrollment was down 1.5 million in the U.S. compared to 2011. While recent headlines highlight the current concern over enrollments, college enrollment had been declining for the past decade. COVID-19 didn’t kickstart the decline, but it is contributing to it. Data from the National Student Clearinghouse (NSC) indicates that overall postsecondary fall enrollment declined by 5.2 percent since the beginning of the pandemic. Prior to the pandemic, fall 2019 enrollment declined 1.3 percent from the previous year. Declining

enrollment has primarily affected undergraduate enrollments and seems to either have delayed or altered plans for new, incoming freshmen. The largest changes in freshman enrollments have occurred in two-year colleges. Researchers Oksana Leukhina and Devin Werner explain that two-year institutions may be experiencing bigger declines because they may attract more students who are on the fence about entering or skipping college. These students are more likely to react to small changes in their perceived costs and benefits of going to school. Economists Diane Schanzenbach and Sarah Turner emphasize that the

Contributors ________ Adina Arshad is a St. Cloud State University economics alumnus ’22; Lynn MacDonald, Ph.D., is associate professor of economics, SCSU.

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transition to online education was more difficult to manage for fields requiring hands-on instruction like welding and more broadly, assembly, repair, and maintenance courses. Much of this type of instruction is provided at community colleges. Typically, recessions encourage people to re-train and re-tool their skills by going back to school. Given the unusual circumstances surrounding the recent pandemic-induced recession, enrollment continued to decline rather than rebound. There are many factors contributing to this decline including: remote learning, financial strain, health concerns, and social distancing requirements that affect the college experience. The decline in college enrollment has meant that some potential college enrollees are passing up college and entering the workforce. “The easiest assumption is that they’re out there working,” according to Doug Shapiro, executive director at the NSC. “Unemployment is down. The labor market is good. Wages are rising for workers in lowskilled jobs, so if you have a high school diploma, this seems like a pretty good time to be out there making some money.” This current economic climate motivated economists Carla Varona Cervantes and Russell Cooper to investigate how workers without a college degree are faring without formal training in the job market. They found that on-the-job training programs

are an important mechanism in giving workers without a college education the skills they need to advance in the labor market. This training largely pays off for these workers later in their careers. The analysis finds nearly 70 percent of workers without a college education that receive onthe-job training are later placed in skilled jobs. Right now, more students who graduate high school are deciding not to go to college for a variety of reasons. Perhaps delaying or altering college plans is more feasible now, given wages are high and it’s a favorable labor market for workers. While there seems to be some evidence that on-the-job training can help bridge the gap to provide workers with the necessary skills, this is perhaps a temporary fix. Longterm productivity and continued growth will likely require people to invest in education and skill development.

Did You Know? Recent data from the Minnesota Department of Employment and Economic Development points out some of the employment challenges the St. Cloud area will likely face. St. Cloud MSA has a younger labor force than the state average, with almost 22 percent under 25 years old. That compares to the state as a whole with 14.6 percent under 25 years old. St. Cloud has very high labor force participation rates in the entry-level and prime working years.

For a list of sources used in this story, visit BusinessCentralMagazine.com

E PARK,

$200M

Residential Building Permits

November

16,523*

621,465

885,721

$80M

E PARK,

1,424*

32,948

24,272

December

Home Sales Closed

October

6 COMMUNITIES - ST. CLOUD, SAUK RAPIDS, SARTELL, WAITE PARK, ST. AUGUSTA, ST. JOSEPH

Economy September

ECO N O M I C I N D I C ATO R S & T R E N D S

ST. CLOUD

Central presented by

COLOR KEY:August

TOTAL: $15,740,291* Compiled by Shelly Imdieke, data current as of 6/1/2022

July 2022 Jan Feb December Mar Apr May June July Aug Sept Oct Nov Dec

2022

December

November

22 3,685,577

162 $4,529,642

500

8 $1,749,400

2020

35 $1,841,000

Food and Beverage ST. CLOUD

2021 #/$

August 246

282 2022 $105,238,005

84 $61,884,271

Sartell

July 309 December

158 $18,230,359

20 $1,006,780

$68,749,665 $15,070,149

June

TOTAL: $153,245,951

Sauk Rapids November 8 $30,482,808

56 2021 $12,310,906

35 Food and Beverage $6,474,898

$5,556,423

122 $11,691,421

$706,932

11 $9,754,200

12 2020 $2,774,220

May Waite Park October35

Feb July

51 $7,919,703

TOTAL: 182*

Mar August

TOTAL: 1868

St. Joseph

Apr September

TOTAL: 1823

St. Augusta

TOTAL: $71,867,356*

2022* #/$

St. Cloud

1500

TOTAL: $1,287,691

TOTAL: $1,604,677

$1500000

Home Sales Closed in St. Cloud Area

113 $11,360,899

6 COMMUNITIES - ST. CLOUD, SAUK RAPIDS, SARTELL, WAITE PARK, ST. AUGUSTA, ST. JOSEPH

Commercial September 2020 #/$

TOTAL: $71,867,356*

ST. CLOUD 12

No data available No data available

2022

44 $3,001,040

$1,794,475 $0

$2000000

$300k

Source: positivelyminnesota.com $0 $300k

*Total as of 6/1/2022; Data for St. Augusta not available at time of print. Jan

$150M TOTAL: $153,245,951 $200M

June

2000

$100M

October

September

August

2021

November

1000

Data not released at time of print

$1000000

2021

$50M

July

500

$500000

$0M

1 $5,500

March $10,023,126

0$980,500

B U I L D I N G P E R M I T S BY C O M M U N I T Y

6 COMMUNITIES - ST. CLOUD, SAUK RAPIDS, SARTELL, WAITE PARK, ST. AUGUSTA, ST. JOSEPH TOTAL: $137,532,948

2022

54 $2,766,805

April $2,336,431

October

6 COMMUNITIES - ST. CLOUD, SAUK RAPIDS, SARTELL, WAITE PARK, ST. AUGUSTA, ST. JOSEPH

2020

447 $7,889,260

December

Commercial Building Permits

2021

252 $9,116,510

February

Commercial Building Permits

2022

236 May $7,739,324

January *Total as of 6/1/2022

$100M

152 $3,274,630

2022

2020

$80M

2022* #/$

477 $28,930,350

2019

$60M

St. Joseph

ST. CLOUD

January$16,235,353 June

$40M

St. Augusta

Home Sales Closed

777 2020 $31,498,210

560

Sauk Rapids

TOTAL: $78,621,465

Food and Beverage Tax Collection

ST. CLOUD

$0 $20M

2021

2021 #/$

765

Waite Park

2020

$0M

2020 March #/$ $38,601,654 February July

Sartell

$80M $100M TOTAL: $88,202,416

September August

St. Cloud

2021

2020

2019

2021

$60M

June

$40M

May

$20M

April

Residential

2022 $0M

May October

BUILDING P E R M I T S BY C O M M U N I T Y April

TOTAL: $15,740,291*

2020

June November

March

6 COMMUNITIES - ST. CLOUD, SAUK RAPIDS, SARTELL, WAITE PARK, ST. AUGUSTA, ST. JOSEPH TOTAL: $78,621,465

February

January

December

November

October

September

August

July

June

May

Apr

Mar

Feb

Jan

Residential Building Permits

2021

TOTAL: $88,202,416

2021

May and St. Joseph. Sources: Building departments for the following cities: St. Cloud, Sauk Rapids, Sartell, Waite Park, St. Augusta, Apr

TOTAL: $137,532,948

2020

2021-2022

Feb

December

November

1.0%

October

September

August

July

June

May

Jan

April

March

1.5%

February

$200M

December

$150M

November

October

September

$100M August

July

June

May

April

March

February

January

$50M

January

2.0%

$0M

2021-22 -% CHANGE

Source: positivelyminnesota.com

2020

Non-Farm Mar Jobs

Unemployment Rates

0.5%

0.0% 4%

-0.5% 3%

-1.0% 2% 1%

-1.5% J

Total as of 6/1/2022

St. Cloud Minneapolis/St. Paul Minnesota United States

-2.0%

Total as of 6/1/2022

St. Cloud, MN MetroSA Minnesota United States

J U LY/ A U G U S T 2 0 2 2 // BusinessCentralMagazine.com

GROW

500

1000

E PARK,

16,523*

January

621,465

885,721

$100M

$80M

$200M

E PARK,

$80M

1,424*

32,948

24,272

$60M

1500

Jan December Feb Mar Apr May June July Aug Sept Oct Nov Dec

ST. CLOUD

October

September

TOTAL: 395*

TOTAL: $71,867,356*

TOTAL: $240,889*

August

2022

July

2021

2500

BY THE NUMBERS

December

1000

TOTAL: $240,889*

August

TOTAL: $749,418

$1.2M

2021 Source: Tax Collections – City of St. Cloud *Total as of 6/1/2022

Sheriff’s Foreclosure Auctions STEARNS AND BENTON COUNTIES

$300k

$600k

TOTAL: $1.2M 19*

$900k

$1.5M

2022 TOTAL: 31

120.7

106.2

98.5

110.1

95.3

105.6

98.5

110.7 96.9

January

St. Paul, MN

102.6

101.8

97.5

Mankato, MN

85.4

109.9

103.5

94.1

107.0

99.9

Eau Claire, WI

98.0

98.7

83.6

101.6

99.4

113.1

108.6

101.0

102.1

112.8

91.8

89.7

97.4

94.6

The Cost of Living Index, which is compiled and published quarterly by C2ER - The Council for Community and Economic Research, measures regional differences in the cost of consumer goods and services, excluding taxes and non-consumer expenditures, for professional and managerial households in the top income quintile. It is based on more than 50,000 prices covering almost 60 different items for which prices are collected three times a year by the St. Cloud Area Chamber of Commerce. Small differences should not be interpreted as showing any measurable difference, according to C2ER.

Least Expensive Urban Communities

Most Expensive Urban Communities

SHERIFF’S FORECLOSURE AUCTIONS

December

94.7

81.6

November

79.8

98.0

October

103.9

September

92.3

August

116.0

Cedar Rapids, IA 94.2

July

100.5

96.5

June

99.5

98.5

May

84.9

April

107.8

March

Grocery Housing Utilities Transpor- Health Misc. Goods Items tation Care & Services

102.0

February

2020

All Items

March

Minneapolis, MN 102.9

Pierre, SD

TOTAL: 42

$1.5M

St. Cloud, February MN 102.3

January

December

November

October

September

August

July

June

May

April

March

February

January

2021

Residential

2019

2020

2021

New York (Manhattan), NY

255.0

Kalamazoo, MI

75.7

Stearns Co.

San Francisco, CA

194.1

Harlingen, TX

76.6

Benton Co.

Honolulu, HI

193.3

McAllen, TX

76.8

New York (Brooklyn), NY

178.8

Muskogee, OK

78.7

Washington, D.C

153.9

Jackson, MS

79.6

Benton County Sheriff’s Civil Process; Stearn’s County Sheriff’s Office *Total as of 6/1/2022

CITY

2000

$2000000

2020

$1.2M

COST OF May LIVING INDEX ANNUAL AVERAGES FOR 2021 FOR MINNESOTA AND OTHER UPPER MIDWEST CITIES April

TOTAL: $1,287,691

TOTAL: 182*

$1M

Cost of Living June

TOTAL: $1,420,811 $800k

July

TOTAL: 1868

$600k

October September

1500

TOTAL: $1,287,691

TOTAL: $1,604,677

$1500000

$400k

November

TOTAL: 1823

Data not released at time of print

$1000000

$200k

$900k

*Total as of 6/1/2022

TOTAL: $1,142,027 Food and Beverage Tax Collection

ST. CLOUD

$600k

Source: Tax Collections – City of St. Cloud

TOTAL: $92,192*

2022

$300k

January

Home Sales Closed in St. Cloud Area

6 COMMUNITIES - ST. CLOUD, SAUK RAPIDS, SARTELL, WAITE PARK, ST. AUGUSTA, ST. JOSEPH

ST. CLOUD

March

500

$500000

Lodging Tax Dollars

TOTAL: $1,287,691

February

Feb

500 1000 1500 2000 Jan $100M $150M $200M Housing/Real Estate sources: St. Cloud Area Association of Realtors, http://stcloudrealtors.com/pages/statistics. *Total as of 6/1/2022

2021

2020

Mar

Food and Beverage Tax Collection

ST. CLOUD

$0 0

2020

2021

2020

2019

April

TOTAL: 1868

Apr

TOTAL: $137,532,948

2022

2019

May

2020

TOTAL: $1,420,811

June

TOTAL: 2010

June

TOTAL: $153,245,951

December

Food and Beverage Tax Collection October

September

2022

November

October

September

August

July

June

November

May

April

March

November

February

January

UD, SAUK RAPIDS, SARTELL, WAITE PARK,

December

November

October

September

August

July

June

May

Apr

Mar

Feb

Jan

Home Sales Closed in St. Cloud ing Permits ST. CLOUD

2021

2500

BUSINESSTOOLS

E C O N O M I C I N D I C A T O R S & T R E N DDecember S

2021

2000

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WOMEN IN BANKING Soaring to great heights!

WE CELEBRATE OUR AMAZING WOMEN IN BANKING! FalconNational.com St. Cloud

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BY JEANINE NISTLER // PHOTOGRAPHY BY JOEL BUTKOWSKI, BDI PHOTOGRAPHY

On-the-Job

TRAINING

WITH NO BUSINESS TRAINING, MICHELLE HENDERSON IS TURNING HER ARTS EDUCATION AND NATURAL CURIOSITY INTO A THRIVING DIGITAL MARKETING COMPANY.

straight line may be the shortest distance between two points, but Michelle Henderson’s circuitous career path is working out pretty darn well. You might even say her ownership of BadCat Digital is downright surprising for a woman who majored in religious studies, considered law school, and worked for a time at an aquarium. Henderson shares openly about her foibles, the challenges she has overcome, and the lessons she has learned. She is vibrant and funny, laughing easily and often. Her creativity is evident in her word choices. For example, she doesn’t like the negative connotations of the word “pandemic,” so she calls it the “pancake breakfast.” “I grew up enjoying reading and enjoying school; I was well read, articulate,” Henderson recalled. “Everybody said I was going to be all these amazing things and then it just wasn’t that.”

She was gifted and talented. “I didn’t have to work hard in high school and college to get good grades. I didn’t learn how to work,” she said. “I ended up learning all that in my late 20s and my 30s, and it’s a lot more painful and the stakes are a lot higher.” When Henderson graduated from the University of Wisconsin-Oshkosh nearly 20 years ago, she headed home to Eau Claire. “I ended up in my parents’ basement and not quite knowing what to do with this liberal arts degree that in my parents’ time would have been a ticket to just about any job you wanted and in the early 2000s was simply not.” Henderson tended bar, waited tables, managed a bookstore. She went back to school and earned a degree in art, with an emphasis on interior design. She graduated from UW-Stout just as the housing market collapsed in 2008. “I ended up working at the aquarium at the Mall of America,” she said. One day, while working, she ran into one of her former college professors and his children, which prompted her to assess and regroup. “The next weekend, I was like, ‘I can’t do this anymore. I can’t wear

Best advice

“HAPPINESS IS NOT ABOUT GETTING WHAT YOU WANT. IT’S ABOUT WANTING WHAT YOU HAVE.” – ART LYONS, DAD J U LY/ A U G U S T 2 0 2 2 // BusinessCentralMagazine.com

COVER STORY

FUTURE FOCUS Michelle Henderson did not start out to own an ad agency. But that’s what happened.

Michelle Henderson’s

liberal arts education in comparative religion, law, and interior design did not prepare her well for business ownership. But after moving to St. Cloud she needed to do something to earn a little money while she looked for a job. In September 2017 she and her husband agreed that he would cover their expenses for six months while Henderson tried her hand at creating a business she called BadCat Digital. She reached her goals in four months and within nine months had hired her first employee. From first year sales of about $60,000, the company tripled its sales in year two. Then they doubled. Then they doubled again. She added employees, moved to larger office space, and finally decided to buy and remodel a building. Finding, purchasing and remodeling a building in downtown St. Cloud was a dream come true for Henderson, but it carried

BusinessCentral Magazine.com // J U LY/ A U G U S T 2 0 2 2

some hidden challenges. As she focused on the building she spent less time working on the business. Expenses climbed. For the first time since starting BadCat the business was not profitable. Henderson refocused her attention and enjoyed the company’s best sales month ever in January 2022. Today Henderson is focusing on increasing video services, as well as exploring augmented and virtual reality. “That’s the future,” she said, “and we want to be sure we’re ready to go – that we know how to make the products work and that they’re profitable – when our customers are ready for them.” It’s because of this future focus, along with the company’s business growth, and the steps Henderson has taken to ensure the company’s success, that she was chosen as the 2022 St. Cloud Area Emerging Entrepreneur of the Year by the St. Cloud Area Chamber of Commerce.

this orange polo shirt that makes me look like a Skittle.’” She was living in Maplewood at the time, not far from the strip malls along Interstate 94 in Woodbury. On a Tuesday afternoon, “I put on a nice outfit and printed off like 10 resumes,” she said. Then she went from store to store. A furniture store hired her, and she spent the next 2.5 years working on the floor, selling recliners, ottomans, and bedroom sets. “In the meantime,” Henderson said, “I had gotten married and was now getting divorced. Commission sales and emotional upheaval don’t go together very well.” But Henderson saw a way off the sales floor. The furniture store was looking for someone to manage social media, write for its website, answer callers’ questions about the furniture they saw online, and work to convert those calls to sales. Henderson got the job. “Looking back on it as a business person now, they probably thought, ‘Well, if she sucks at it, we’ll know really fast and we won’t really have to train her, so why not?’ ”

ON-THE-JOB TRAINING Henderson clicked in her new role. She was invited to participate in the company’s marketing committee meetings with the CEO, vice president of sales, the buyers, and merchandisers. She participated in hiring an advertising agency and learned how they worked. She later hired a second company to manage search engine optimization (SEO). She basically received “a crash course, so to speak, in real-life business-to-consumer marketing and also in digital.” Two years later, the SEO company she had hired, hired her. Her on-the-job marketing education continued. “I learned massively from that role,” Henderson said. “I’m naturally curious, so I read a lot and I absorb quite a few things and I connect things that don’t always connect. That’s how my brain has always worked. “I’m sure there are gaps,” she said of her marketing education. “I’m willing to bet that if I sat down and took a Marketing 101 final, I’d probably get a ‘C.’ But if you can read well and comprehend, if you can write well and if you can speak well, if you can communicate well, there is very little end to what you can learn how to do.”

P ersonal

PROFILE

Henderson’s role at the who had worked for the Twin Cities digital marketagency’s client compaFamily: Henderson lives with her ing firm expanded, but the nies left their jobs, they husband, Nathan, and firm grew too quickly, she let Henderson know they nephew, Dyson. Parents are said, which led to chaos. wanted to work with her. Vicki and Art Lyons. And her style didn’t mesh That didn’t violate the She has one brother, Adam. He and his wife, Kelsey, with the owner’s expectanon-compete. One of have two sons, Owyn tions. She’s practical; he those people connectand Cayden. wanted polish. “I’m not ed Henderson with a Hometown: flashy. I don’t drive the company president who Eau Claire, Wis. best car or have the best replaced his one-person Education: shoes. That’s just not me. marketing department University of WisconsinIt’s good for other people by working with BadCat Oshkosh, bachelor of arts in and it works really well Digital. He got marketing religious studies; University of Wisconsin-Stout, for them. Especially in adexpertise and production bachelor of fine arts in art vertising and marketing, without paying a full(interior design) it works really, really well. time salary, benefits, and Hobbies: But that’s not who I am and employment tax. “He Quilting, reading, movies that’s not how I live, and I pays less, and he gets don’t want to get into the more,” Henderson said. position of trying to be that.” Henderson learned that many marketing As Henderson grew disillusioned with agencies have account executives, sales teams, that company, she met, fell in love with and “a very small, very strategic and leaderand married a man who owned a house in ship-based creative team who farm out indiSt. Cloud. “I married a house, and it was here,” vidual projects to other agencies, contractors, she said with a hearty laugh. She commuted or gig workers. When I discovered that, I set from St. Cloud to the Twin Cities for about six out to make an agency where the vast majority months, but the commute, plus the turmoil of people do the work rather than have people at work, proved to be too much. “I probably who sell the work.” could have done one or the other, but not Henderson quickly found how much of both,” Henderson said. She gave 10 weeks’ an appetite there was around the country for notice and started BadCat. teams such as hers. Working under non-disclosure agreements, agencies in larger marA NEW START kets will buy BadCat’s work, mark it up, put Her husband of three months was support- their brand on it, and sell it to their clients. ive. “We sat down and made a plan. He said, “That has opened huge doors for us and has ‘What do we need to live the way we want really contributed to our growth in a massive to live?’” He agreed to cover all the couple’s way,” Henderson said. expenses for six months. She reached her financial goals in four. “And then it just took HUMBLE BEGINNING, off!” Henderson said. UNEXPECTED SUCCESS When Henderson left the metro agency, Just how much growth has BadCat seen? “Our she signed a one-year non-compete agree- first year, it was just me and I did maybe $35 ment. “I was very careful to not in any way $40,000 somewhere in there. And now we’re breach even the spirit of that,” she said. “I $700,000 annually,” Henderson said. That’s a wanted to build my own agency of my own 1,900 percent increase in less than six years. clientele.” However, when a couple of people “It feels fantastic!” However, that’s revenue, Michelle Henderson, 41

Best advice to new entrepreneurs

“YOUR BUSINESS WILL NEED 125 PERCENT OF YOUR ATTENTION ALL THE TIME. FOCUS.”

TIMELINE SEPT 2016

Michelle Henderson starts BadCat Digital Marketing out of her basement.

JUNE 2017

Henderson moves BadCat from her home to her first office.

SEPT 2017

Henderson hires her first employee

DEC 2017

BadCat expands, moving to a new office space.

MAR-OCT 2018

Henderson hires three more employees.

DEC 2018

BadCat once again relocates into larger office space.

2019

Henderson hires five more employees.

SEPT 2020

Henderson begins looking for a building to buy.

NOV 2020

Henderson hires a director of operations to help with the business side of the company.

APR - AUG 2021

Henderson purchases the Hunstiger building in downtown St. Cloud, moving into the newly remodeled space.

MARCH 2022

BadCat starts an internships program with three interns.

MAY 2022

BadCat adds its 13th employee and is named the 2022 St. Cloud Area Chamber’s Emerging Entrepreneur of the Year.

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COVER STORY

CREATIVE SPACES about that W hat second college

degree that Michelle Henderson earned? The art degree that gave her interior design chops? It came in handy when Henderson bought the building at 819 W. St. Germain Street in downtown St. Cloud, with its tin ceilings and exposed brick walls. “It’s a unique challenge to bring enclosed office spaces into a historic space,” she said. “They often just look plunked in.” She drew inspiration from old bazaars that featured angled roofs over vendors’ stalls. She looked at photographs of offices built inside of vast spaces “and I picked out my favorite stuff.” BadCat’s front doors open to a welcoming space, where open stairways lead to upper and lower levels. Two rows of windowed offices face each other across a wide aisle. Henderson is proud that the office features two restrooms, and kitchens with sinks so no one has to fill a coffee pot in a bathroom. She describes the space as friendly and cool. The building’s history shines through. “You want clients to see you in a creative space,” she said. “Marketing is about crafting a narrative and your location is part of that.”

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Business

PROFILE

not profit, she noted. The sota. I’m not the right age. earnings go back into the I’m not the right gender. BadCat Digital business. I’m not the right religion. 819 W. St. Germain Street “My partner, my husI’m not the right anything St. Cloud, MN 56301 320-217-8883 band, has been incredibly to be part of that. Navibadcatdigital.com patient. If I was workgating that has been a lot michelle@ ing for someone else, of fun and interesting,” badcatdigital.com I’d be making a lot more she said. “Something was Business Description: money than I’m making just right about that, and BadCat Digital is a now,” Henderson said. it just exploded.” full-service digital agency “But we’re investing in Henderson, who helping companies grow something. We’re buildlaunched BadCat in Septheir brands online. Services include everything digital ing something. If you’re tember 2016, had been from SEO to videography, funding your own growth, in business as a solo and digital ads to social you don’t necessarily get practitioner for about media. to take it home. I could nine months when she Ownership: go look for investors and realized she needed to Michelle Henderson be more comfortable perhire someone. And she Number of employees: 13 sonally, but we don’t have realized that someone 2021 revenue: kids relying on us for balprobably shouldn’t work $656,000 let lessons. We are able in the basement of her 2022 projected revenue: to modulate our lifestyle. home. She signed a six$750,000 That really has been a month lease on a single huge blessing. Not everyoffice, scraping together body has that opportunity, the money to pay the rent and I am incredibly grateful for it.” and buy a computer for her new employee. Henderson has been surprised to discover Six months later, Henderson needed to that she paired really well with St. Cloud. “I hire again – and moved to a larger space. And was bringing something different to the table. then moved again, and before long started I’m not what most people think of when they looking to buy a building. Her search took think of a business owner in St. Cloud, Minne- about 18 months before she found what she

wanted in the historic Hunstiger building at 819 West St. Germain Street in downtown St. Cloud. She bought the building in April 2021 and moved in when remodeling was complete in August. Since then, BadCat has started an internship program and added another employee, for a total of 13. Henderson hires for problem-solving skills. She hires gamers, people who play Dungeons & Dragons. “If we hire people who can think, we can teach them to do just about anything,” she said. She doesn’t pay the highest marketing salaries in town, “but the total compensation package is very competitive,” including a 100 percent employer-paid health plan, 10 days of annual paid time off, and flexible scheduling. Henderson’s transparency comes into play here: Everyone knows what everyone else – including the boss – is paid. Henderson also endorses “cat naps,” time for the team to step away from their computers, hang out, play with Legos. “Creative people need to take cat naps,” Henderson

said. “It’s a time that your brain can just decompress from hours of writing or design. The work is insane and really, really intense. It’s the pace we have to move at, but the cat naps help us keep the quality up along the way.” Henderson has done well following her gut, but she recognized after a few years in business that she needed to hire someone with the skills she lacked. In late 2020, Henderson brought on a director of operations. “I don’t know what I don’t know. I don’t know how to do this,” she said, referring to running a business. “I’ve never done this before. I didn’t set out to do this and it’s not something I ever learned how to do. I’m learning it every day.” She jokes about not knowing how to set up a profit-and-loss statement and not being able to balance her own checkbook. “What I contribute best to the business is the networking, maintaining high-level relationships. That’s where my time needs to go.” Director of Operations Carissa CobornLoehlein came with “way more corporate experience than I’ve ever had and way

more experience with developing, setting up, maintaining and building systems and processes,” Henderson said. Some BadCat employees found those changes difficult and left. “It’s hard for a good reason,” Henderson said, adding that she and Coborn-Loehlein sometimes have intense, “knock-down, drag-out conversations, but at the end, we’re both better for it.” The BadCat team has been in research and development mode since early 2022, watching what’s happening with big brands, making sure they can offer what their clients need in a rapidly changing online environment. “I love the visioning part of it,” Henderson said. “I love getting to dream.” She also loves watching her staff and the business grow. “I’m building something that hopefully will last a very long time.” Jeanine Nistler is a communications professional who lives and works in St. Cloud.

NAMESAKE

was the cat I had to B adCat give up to get married,” said

BadCat is named after a bad cat.

Michelle Henderson, whose husband’s allergies led her to rehome her feline companion, Ebbie. “I adopted Ebbie when I was still with my ex-husband,” Henderson said, adding that “she was about 3 and a beautiful black cat with, like, celadon eyes.” Ebbie was a great mouser and a great comfort when Henderson was going through divorce. “She was with me through all of that. She became very special to me.” She also presented challenges. “I had a sewing room in my apartment,” Henderson recalled. “I would close the door because she would come in and nest in the batting and fabric scraps. And she would step on pins. She would come out covered in string. She would eat everything and then she’d get string out of her butt.” So, when Henderson was sewing, she would close the door to keep Ebbie out of the room. “I would be in my sewing room, and I would be yelling, ‘Bad cat! Bad cat!”

Another challenge with Ebbie? She loved Cheez-Its and Doritos. Ebbie would knock over a box of Cheez-Its, scoop the crackers out with her paws, lick up the salt, and stamp the crackers into the carpet. Ebbie’s worst offense occurred while Henderson was fast asleep. It was about 3 a.m. The bad cat climbed atop a basket piled high with laundry that Henderson had pushed up against a wall. Ebbie squatted to urinate and peed into to an electrical outlet. “She started a little fire and yowled,” Henderson said. “And the smell! You can’t describe it. The smell of cat urine already is a problem,” then add the acrid smell of electrical fire. The yowling and smell woke Henderson, who hit the breaker to stop the fire. She replaced the outlet, painted the wall, and kept Ebbie until she no longer could. Ebbie since has passed. “It’s a terrible story,” Henderson said. “I really ought to come up with something better.”

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F E AT U R E

BUILDING A

BUSINESS PLAN

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Creating a well-thought-out business plan is the first step to success in a new venture. ––––––––––––––––– By Ari Kaufman

here are a bevy of crucial aspects when beginning a business. Because it requires patience, perseverance, planning and more, many struggle or don’t even attempt the start-up if they’re not guided properly. While there rarely is a perfect time to start a business, asking yourself if you’re ready for the challenge is of utmost importance. That’s because saying you’re going to do it is easy. Doing it, however, and especially making it profitable, can be a whole lot tougher. The first task, of course, is determining what kind of business you hope to pursue. This starts with a new idea or replicating a successful business. While

sometimes great ideas arise by accident, experts agree that doing your research and being open to feedback is vital. A few appropriate questions worth considering include: Is there a niche that you’re particularly passionate about? Are you looking for a business that you will actively be involved in each day or simply

own? Are you looking to turn your hobby into a business? You also need a start-up plan. This can be intimidating, but it’s necessary. Barry Kirchoff has spearheaded St. Cloud State University’s Small Business Development Center (SBDC) since 2006 and has worked nearly two decades in the industry. "You

need a well-constructed plan," Kirchoff explained. "Most people think of it as a one-time event, but there are so many facets. Any successful business I know has a business plan. It can serve as a guide or as strategic planning. You also should know who your customers are, where they are coming from, and what is your

Getting Started A great idea, some market research, and plenty of planning will help a new business venture succeed. 1 Write your business plan. 2 Pick a business structure.

3 Create a strong brand identity for your business.

5 Find great partners, vendors, and team members.

4 Fund your business.

6 Launch and grow your business.

What are you Vying for? We’ll get you there.

vye.agency

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F E AT U R E

unique offering that will be a differentiator in the market." Kirchoff looks at business plans every day and adds that while the plans take a lot of work, they are a "change document" that needs to be presented as a solid plan to a banker with numbers that match. He and the SBDC try to identify any weaknesses in the planning stages and “be a friendly devil’s advocate,” Kirchoff said. For instance, accurate numbers are imperative,

because "being off a percent or two in certain areas of your plan could make the difference between being around and not being around, especially in businesses with tight margins." He also stresses that a good banking relationship — with honesty and integrity — is important because the banks look at whether numbers match the story and plan. These include a strong balance sheet, sales projections, a break-even analysis, and benchmark comparables. Jackie Schuh, Engelmeier & Umanah, has worked as an attorney in St. Cloud for over 25 years. About half the work her firm does involves creating and advising small and large businesses. Schuh

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meets potential and new entrepreneurs a few times each week and helps create as many as 23 new small businesses in a given month. She says most individuals ask two main questions: 1 Do I need to create a limited liability company or a corporation? 2 What are the pros and cons of doing so?

“I see my job as listening to their ideas, educating on the different types of entities, and then making a recommendation,” Schuh said. “But, prior to creating an entity, I usually recommend they confer with their accountant to be sure that person and I are on the same page about what type of entity should be created

for the client. Most of the time we are, but on occasion, the accountant may have other ideas based on information they have about a client. Only then, if a client is ready to establish a company or corporation, do we move forward to create one.” In addition, when the client arrives to sign the company or corporation documents, Schuh said, she often briefly visits with them about other legal issues that may arise with the new business: Company or corporate recordkeeping requirements. Employment issues. Creating job descriptions. Non-competes. Confidentiality agreements. Employment handbooks.

Bad behavior by employees. Disability issues. Management issues. Claims by third parties. Vendor contracts. Lawsuits. Transitioning the business by sale to one or more family members or a third-party buyer. Bob Kovell, now of Kovell Advisory Services LLC., has practiced accounting for more than four decades. He highly recommends SCORE, the nonprofit organization that provides free business mentoring services to prospective small business owners across the country. Kovell said that from the onset a lot depends

upon whether someone is starting from scratch or buying an existing business. “If you’re going to buy a small business, you do not want to overpay. You also want to engage someone with a business valuation background, preferably a business appraiser or at the very least a banker who’s knowledgeable in that business,” he said. “Then take a look at the purpose of your business. What need are you fulfilling in the marketplace? Are you a new product or just another kid on the block?” Kovell is still a CPA, and in past years he’d meet about once every month or two with

Design

ARCHITECTURAL

a future small business owner. “Sometimes I’d encourage them not to pursue it, due to their plan,” he said. “You need a good marketing plan, a budget, and projections to convince the banker it’ll work.” Not surprisingly, Kovell said, people are often overly optimistic about how much revenue they’ll bring in. He recommends they be more conservative in their estimates and have a fall-back plan. “It can take three or four years to get a business up to speed, so you must be careful,” he warned. Ari Kaufman is a freelance writer based in the Midwest.

Business Planning Every good business plan will contain the following: Executive Summary (the first and most important part of your business plan). Company description. Financial projections. Goods and services. Marketing. Market analysis. Organization and management.

SINCE 1874

AND CONSTRUCTION SERVICES

SINGLE SOURCE. SUPERIOR SERVICE. REMARKABLE RESULTS. 800.772.1758 | www.millerab.com

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UNLEASH Your POWER Women are learning to capitalize on their unique advantages to succeed and lead in business. ––––––––––––––––– By Alicia Chapman

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here are many paths to leadership, and no two journeys are the same. But the lessons learned, challenges encountered, and leadership advice have many similarities.

“Recognize the value of relationships and connection. Because who you connect with today and the relationship you get introduced to today, you don't know what that might be down the road.” — Patti Gartland, president, Greater St. Cloud Development Corporation

Build Relationships

With any career growth, the people you know often help you progress through your career journey. As president of the Greater St. Cloud Development Corporation, Patti Gartland uses the relationships she has built throughout her career to connect the right people. It was this very same concept that helped her grow her own career. “Recognize the value of relationships and connections,” Gartland said. “Because who you connect with today and the relationship you get introduced to today, you don’t know what that might be down the road.” Gartland interned with then-Mayor Sam Huston and the City of St. Cloud while in

college, and that relationship was vital in helping her advance her career. When there was an opening as planning director for the City of St. Cloud, Gartland approached the mayor and told him why she would be a good candidate. “It was a pivotal point in my career,” Gartland said. “When I think back on it, it was really kind of gutsy to put myself out there and actually suggest to him that he should appoint me.” It worked. The mayor knew Gartland’s work ethic and skills and offered her the position.

Learn from Others

Networks and relationships have also been important to Susan Dean, owner of Newcomer Service. While Dean grew her business, she got involved in the community and attended the first Chamber Connection meeting. As a result, she was able to connect with other business leaders and learn from them. Having a mentor and learning from others is vital in growing as a leader. While Dean says she learned a lot from other business Story continues on page 46.

WOMEN TO WATCH: RACHEL GRUBER, DALE GRUBER CONSTRUCTION

A FOUNDATION OF HONESTY, PROFESSIONALISM AND HARD WORK

uilding Today for a Better Tomorrow isn’t just a tagline with Dale Gruber Construction, it’s a way of life for the company. When Dale hired Rachel Gruber as his HR and Marketing Director in 2008, he was doing just that, building for the future of his company. In January 2022, Rachel took over as Owner and President of Dale Gruber Construction with plans to carry on her dad’s legacy. She will continue to build relationships and structures that last by building upon his foundation of honesty, professionalism and hard work. Building businesses and remodeling homes isn’t the only thing that Rachel is focused on. As Chair of the Central Minnesota Builders Association Tools for Schools Foundation, she is hard at work building the future of an industry her family has dedicated their lives

SPONSORED PROFILE

to. This foundation supports local industrial tech programs and promotes students exploring careers in construction. Such a strong role model to have Rachel at the helm. Being a woman in a male-dominated industry is something that inspires Rachel, but contributing to the company’s growth, improving operations and client experience are what drive her each and every day to be the best she can be. Whether she’s tackling the Boston Marathon or doting on her niece and nephew, Rachel is demonstrating she plays hard and works even harder! •

2583 County Road 74 St. Cloud, MN 56301 // 320-251-4956 dalegruberconstruction.com

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owners, she also credits much of her business success to what she learned from watching her dad and grandpa run their businesses. “I was brought up in a family with many independent locally owned business owners,” Dean said. “My father and my grandfather owned two very large businesses. My dad taught me how to support and network with small businesses.” Now established in her position, Dean loves to work with and watch new entrepreneurs come into the world, start their businesses, and then watch them flourish. Dean has also learned a lot from working alongside other business leaders. Deb Krump, an independent agent with Aflac, also grew up watching her parents run a business, which made her interested in starting her own. “My parents were selfemployed as dairy farmers and really hard workers,” Krump said. “You had to be a smart business person as well, especially in

"Seek out opportunities to be mentored and to mentor. I still look for opportunities for others to mentor me. That's a lifelong thing." — Patti Gartland, president, Greater St. Cloud Development Corporation

agriculture, when there are many things that are out of your control, like markets and the weather. Self-employment is what I knew.” In addition to learning from her parents, Krump has also worked with mentors and business coaches who have helped her grow professionally. “Seek out opportunities to be mentored and to mentor,” Gartland said. “I still look for opportunities for others to mentor me. That’s a lifelong thing. But I also try to offer my help as a mentor. Join organizations that will help get you connected with other people who have similar goals, aspirations and can be of support to one another.”

Advocate for Yourself

The right relationships can help you get out of your comfort zone and teach you how to grow as a leader. At a young age, Gartland was pushed out of her comfort zone. She got involved in the St. Cloud Area Chamber of Commerce when she worked at her mom’s business and remembered walking into a government affairs meeting. She was the only woman there. That experience helped Gartland learn how to advocate for herself at a young age. It also gave her the confidence to be the only woman in the room. “I had to get comfortable in my own skin and the environment, and they needed to get Story continues on page 48.

WOMEN TO WATCH: MINNWEST BANK

MINNWEST BANK HELPS BUILD A STRONGER COMMUNITY

ach year, the St. Cloud branch of with the INDY Foundation, where they Minnwest Bank donates $45,000 help raise funds for cancer warriors and back into the community. Giving their families. back is part of the culture. “We are In addition, Hannon is part of SBU365, community-focused,” said Kristin Hannon, an organization where she helped develop market sales manager at Minnwest Bank. a microloan program to get people into “We want to give back to the communities stable housing. we are in to help grow a stronger place “It’s so great to be a part of an organizawhere people can thrive.” tion that encourages their employees to get Minnwest Bank works with many involved and shows how it cares about the nonprofits in the area, including the community,” Hannon said. INDY Foundation, Anna Marie’s Alliance, When you bank at Minnwest, you are Terebinth Refuge, The Beautiful Mind also building a stronger community. • Project, and Great River Children’s Museum. Hannon and Bri Knowles, a 3130 Second Street South, commercial lender, Minnwest Bank St. Cloud, MN 56301 minnwestbank.com are personally active Member FDIC

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WOMEN TO WATCH: KATHY PRESPERIN, BLATTNER COMPANY

LEADING WITH EMPATHY, COURAGE, INTEGRITY, AND CONFIDENCE. athy Presperin truly shines a light on the future of women in renewable energy. As Blattner Company’s chief supply chain officer, she helped launch the supply chain department for the wind and solar energy powerhouse. Today, that team is 70-plus members strong. With 36-plus years in global supply chain roles, the gifts she brings to Blattner are many, including building talented teams and implementing best-in-class processes and tools. Supply chain, while predominate in other industries, remains relatively underserved at organizations in the renewable energy industry. Kathy has taken this opportunity and driven it to its full potential to benefit customers, communities, suppliers and Blattner. But providing a professional platform for women has a special place in Kathy’s heart. In 2021, Kathy helped launch the Women’s Employee Resource Group at Blattner. “To really thrive as an organization, we need diversity across our workforce, at all levels,” she said. “This group will help accelerate the growth and development of women in the organization. We want Blattner to be a company of choice for women.” Kathy is the executive sponsor in the group and hopes to inspire more community and mentoring for women at Blattner. “The formation of this group makes me proud

blattnercompany.com _______ 320-356-7351 // 392 County Road 50, Avon, MN 56310

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“

To really thrive as an organization, we need diversity across our workforce, at all levels. —KATHY PRESPERIN

“

Kathy Presperin, Chief Supply Chain Officer, Blattner Company

to be here. Women have a voice and it’s growing at Blattner,” Presperin said. During the American Clean Power (ACP) CLEANPOWER 2022 event in San Antonio in May, Kathy was honored with a Breakout Woman+ of the Year award. The award recognizes women who have committed to – and seen success in – creating programs and cultures that support diversity and inclusion. The award is part of ACP’s Energy Transition for All

initiative, an industry-wide program to ensure that workers, communities and those historically left behind stand to benefit from the rapid growth of the clean power sector in the United States. Through her vision, Kathy has consistently brought together like-minded women and aligned top leadership on the value women bring to Blattner, as well as the investment that needs to be made in women within the business and the industry. She’s a consistent role model who leads by example with her advocacy for well-being in the workplace. She has inspired many to lead with empathy, courage, integrity, and confidence. She has motivated and coached another generation of influential women leaders that will lift others and contribute back to the renewable energy industry for years. Kathy’s impacts are shining examples of her significant contributions to the industry and the people all around her.•

AWARD RECIPIENT

______

Kathy Presperin received the Breakout Woman+ of the Year award at the American Clean Power CLEANPOWER 2022 event in San Antonio.

Blattner Company is a diversified renewable energy contractor providing leading expertise and collaborative construction solutions nationwide. Blattner Company is the parent company of Blattner Energy and D.H. Blattner & Sons, of which all are members of the Quanta Services family of companies and are industry-leading renewable energy contractors in their respective markets. Building on more than a century of innovation, the Blattner Family of Companies provides complete engineering, procurement and construction services for utility-scale solar, wind, energy storage and power delivery projects with proven project management and self-performance of all major work activities.

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Advice from Women Leaders Don’t be afraid to ask for help. Find a mentor and be a mentor. Keep learning and innovating. Advocate for yourself. Step outside your comfort zone.

comfortable with me,” Gartland said. “I did a lot of listening at first. That confidence had to be built. But putting yourself in the room was an important first step.” Karen Pundsack, executive director of Great River Regional Library, recommends raising your hand and getting noticed. “Don’t be afraid to stand out and not follow the crowd,” Pundsack said. “Throughout my life, I have often followed my own path. I was voted ‘most unique’ in high school. You can’t become a leader by following the course everyone else is taking.”

Own your mistakes. Be the team member everyone wants on their team. Assume the best in everyone. Work hard and play hard. Don’t be afraid to ask questions.

Be Open to New Paths

Pundsack always had lofty goals when she was a child and at one point dreamed of being president or a Supreme Court justice. Being an executive director at the library wasn’t the career Pundsack ever imagined for herself, but looking back, the path makes sense. Like many women,

Pundsack found that working a demanding job while parenting was not the right fit for her family, and she decided to move to a part-time job that would offer her more flexibility. “I didn’t study library science when I was in my 20s, but here’s where I ended up,” she said. “And I think not locking yourself in early on ‘this is my identity and it will always be this way’ is really important, especially in today’s job market. There’s a stat out there saying that most jobs that are available by the time you graduate college haven’t even been thought of or created when you enter college. So, take what you learned in college and translate it into whatever comes as the next opportunity for you. That’s really important.” For Dean, her path to becoming a business leader was an unplanned necessity. She had moved back to Central Story continues on page 50.

BUSINESS LEGACY: ALICE LEHNEN, MIDWAY IRON

STRONG AS STEEL BUT TENDER-HEARTED

lice Lehnen is many things, business-owner, community volunteer, caregiver, friend, wife, and mother. No matter the label you give her, her strength is the constant. After marrying Mike in 1967, Alice accepted a position at St. Cloud Auto Wrecking and Midway Iron. Mike joined the business after finishing his work in the service and the two then set out to learn as much as they could about every aspect. When the opportunity to purchase Midway Iron presented itself in 1987, the young couple forayed into the world of owning your own business. The couple worked side by side until 2007 when Mike suffered a cardiac arrest, which is

ALICE LEHNEN, A MODEL OF SUCCESS _______ Please help us congratulate Alice on her successful career and the strong business that she built for the community, the industry and her family! 48

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when Alice added the title of caregiver to her resume. Devoted to her husband, her home, her family and her company, Alice worked to balance it all. Now, Alice has decided she is ready to move on and her children who purchased the company in 2012 will continue growing the family business as she has done for decades. Alice will officially retire at the age of 75 on her birthday, July 15th. Midway Iron has grown from a familyowned business into a leading competitor in the recycling and steel industry. Alice experienced it all on Lincoln Ave throughout the five decades with Midway Iron and the changes that have taken place in St. Cloud’s east side corridor. But one thing remained constant, the passion Alice had to succeed. Alice’s success does not only stem from raising a family and growing a successful business. She made sure to demonstrate what it means to give back to the community through her volunteerism and her faith.• SPONSORED PROFILE

WOMEN TO WATCH: D.J. BITZAN JEWELERS

A CAREER THAT DAZZLES Celebrating Life’s Special Moments

magine walking into work knowing that you are about to be a part of one the most special times in someone’s life. This is just part of the excitement the many Sales Consultants of D.J. Bitzan Jewelers get to experience. Their team of expert consultants is led by co-owner, Erin Bitzan. When asked about her team Erin remarked, “Without a doubt, we have some of the most talented and intelligent women in the industry on our team. Watching them create memorable moments with our customers each day is truly a privilege.” But how do these Sales Consultants become experts and what does a day in the life of a Jewelry Consultant look like? We asked a few of the women on the D.J. Bitzan team to share their experiences below.

A: “The best part of the job is that there is never a “typical” day. You never know what client is going to walk through the doors. Some days I am helping new couples find the diamond ring of their dreams and other days I am helping a husband pick out a ruby pendant to celebrate 40 years of marriage.” —Dani

A: “We take various courses through the Gemological Institute of America (GIA) to advance our knowledge of diamonds and gemstones. These courses are great tools to build our confidence in the products we are selling. I like that there is always something new to learn.” —Keishia

What does a typical day as a Jewelry Consultant look like?

______

How do you train to be an expert Jewelry Consultant?

______

How has your career at D.J. Bitzan evolved and changed over the years?

______

A: “As I continue my gemological education and learn more about the jewelry industry, I have been able to grow in my position as well. One thing that has been really fun to dig into is the merchandising side of the business. Being able to fuse my appreciation for fashion with my gemological knowledge to help select beautiful pieces for our showroom is very rewarding.”

What is it like to be a part of the D.J. Bitzan team?

______

A: “There is always a very exciting atmosphere in the showroom. Working for a local, family-owned company allows you to become close with your team which is super helpful because you know that they are always there to support you. When there is a lull in the action, we really like to do trivia together. We work hard and have a blast!” —Shannon

—Jamie

You have worked at D.J. Bitzan for 19 years now. That is amazing! What has been the best part of your jewelry career thus far?

______

A: “The client stories! I have a number of clients that I have worked with from their engagement all the way to their 10-year anniversary. It is so much fun to watch their journeys. I have also been able to work with a lot of families and multi-generational clients which is such an honor. You almost feel like a part of the family getting to help them celebrate so many special moments!” —Patricia

D.J. Bitzan Jewelers is Hiring! Want to join this dynamic team and start your jewelry career? Visit djbitzan.com/ career to learn more!

203 Waite Ave N, Waite Park, MN 56387 // Across the Street from Scheels, Just West of Crossroads Mall // (320) 251-4812 // djbitzan.com D.J. Bitzan Jewelers is proud to serve as Central Minnesota’s leading jeweler. We promise each customer our legendary 5-Star customer service, access to the largest selection of real diamonds in the area, and an industry-leading warranty.

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Where Central Minnesota Gets Engaged!

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Minnesota and was a single mom trying to raise her two kids. Owning a business meant she could set her hours and adjust her schedule as needed. It wasn’t necessarily the path she expected, but it became a path she loved. Invest in Yourself

As Pundsack was working at the library, falling in love with her new career path, and learning from different supervisors and mentors within the library community, she felt prepared to take the next step to advance her career. So, after her kids were older, Pundsack started her master’s degree. “I realized it was time to invest in myself again and go back to school,” Pundsack said. “And it wasn’t easy working full time with kids and Boy Scouts and dance. And then doing online school on top of it all. It was a real challenge. But I learned that it was worth the investment in my own education in order

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for me to do more things and be capable of helping more people in a bigger role.” Finding the balance between work, personal, and family can be difficult. Dean made sure to find ways to invest in herself, even if that meant getting up early and going on a walk before her kids were up for the day. Taking that time for herself helped start her day on the right foot. For Gartland, both she and her husband were striving to make their careers work. This meant they split many responsibilities at home, and each took time to invest in their careers. Find your Path

Since each leadership journey is different, it’s essential to understand yourself and what you want. You can’t just follow someone else’s path. You need to forge your own. “Recognize where your talents are, discover those, and, to the extent that you can, take those talents and have

them infused in your career,” Gartland said. Know that there will be some challenges and closed doors. Don’t get discouraged if you don’t succeed right away. “The first time I applied for a supervisory job at the library, I didn’t get it,” Pundsack said. “But that didn’t stop me from applying for the next one. Sometimes you learn from the experience of trying. Maybe you need to do something a little differently, or maybe you need additional training, or maybe you just need interview practice.” Keep going after your dreams. “Be your own best advocate,” Gartland said. “You can’t expect others to know what your wants, needs, and desires are if you don’t make it known to them.” Alicia Chapman is a freelance writer and owner of Bluebird Creative LLC, a content writing business specializing in helping small businesses share their stories.

Source: Luke Greiner, Minnesota Department of Employment and Economic Development

Shifting Employment In Central Minnesota, women hold a slightly higher share of jobs compared with men.

ob losses in 2020 occurred across almost every industry to some degree, however certain sectors experienced more harsh impacts of the COVID-19 recession. The inability of certain industries to recover employment caused many temporary job losses to become a lingering problem. The layoffs and rebounding employment affected men and women workers differently depending on the concentration of employment in certain industries. In Central Minnesota, women hold a slightly higher share of jobs compared with men: 50.5 percent

versus 49.5 percent. That higher share decreased slightly from 2019 to 2021, the result of more job losses by women than men. The disproportionate share of job loss experienced by women can be attributed to the industries that women are employed in. Unlike the Great Recession, where job losses were highly concentrated in male dominated sectors like manufacturing and construction, the pandemic recession affected industries that employ a disproportionate number of women – health care, education, accommodation and food services, and other services.

At the same time that layoffs were occurring, many women, typically the primary caretaker of children and aging adults, were facing pandemic-related policies that made balancing work and family responsibilities incredibly challenging. A silver lining, albeit small, is that a few higher paying maledominated sectors like construction and manufacturing hired women at higher rates than men over the same period.

WOMEN TO WATCH: GERI BECHTOLD, ATHENA AWARD RECIPIENT

LIVE AUTHENTICALLY, LEARN CONSTANTLY, ADVOCATE FIERCELY, ACT COURAGEOUSLY

n ambassador for youth, a mentor to young women, and a woman who is described by her peers as being the heart and soul of the nonprofit to which she’s dedicated her life’s work, Geri Bechtold is this year’s ATHENA Award recipient. The ATHENA Award is a lifetime achievement award recognizing exceptional women leaders who inspire others to achieve excellence in their professional and personal lives. Geri was chosen for the ATHENA Award because of her dedication to mentoring women and girls professionally as well as through personal mentorships and community partnerships. Criteria for selection of the ATHENA Award includes: demonstrates excellence, creativity, and initiative in her business or profession; provides valuable service by contributing time and energy to improve the lives of others in Central Minnesota; and actively assists women in realizing their full leadership potential. Currently, Geri is the vice president of operations for the Boys & Girls Clubs of Central Minnesota. She started at the nonprofit part-time 33 years ago and since turned it into her career.•

SPONSORED PROFILE

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2022 Women in BUSINESS DIRECTORY

Women-owned businesses are a common sight today. Not like in 1972, when “women-owned businesses”

first appeared in the U.S. Census Bureau records, perhaps related to the Equal Rights Amendment approved in

Congress that same year, according to the Association for Enterprise Opportunity. But it wasn’t until 1974 that American women could take out loans without a male co-signer, according to Bankrate.com.

WE’VE COME A LONG WAY. Today more than 11.6 million firms in the U.S. are owned by women, according to the National Association of Women Business Owners (NAWBO). Those companies employ nearly 9 million people and generated $1.7 trillion in sales as of 2017.

Most people think of women-owned businesses as small enterprises, and the vast majority are. (In fact, the

vast majority of all businesses are considered small.) But, according to NAWBO, one in five firms with revenue of $1 million or more is woman-owned and 4.2% of all women-owned firms have revenues of $1 million or more. In our annual Women in Business Directory we introduce you to some of the women who are Redefining Business.

Keep reading to see what Central Minnesota offers.

A DIVERSITY OF BACKGROUNDS BRINGING A WIDE VARIET Y OF EXPERIENCES TO WORK FOR YOU

>> Combined 107 Years of Experience in Higher Education at 16 Institutions in 6 States

left to right: Michelle Schmitz - Executive Director, Candice Cheesman - Office Manager, Jackie Bauer - Associate Director for Employer Relations, Tammison Smith - Associate Director for Career Development and Outreach, Karen Hommerding - Technology and Information Specialist, Hailey Olson - Assistant Director for Career Development and Outreach.

>> First Generation College Student >> Daughter of a Veteran >> Overcame Family Addictions >> Non Traditional Student Parent >> Grew up in a Blended Family >> Experience with Hidden Disabilities >> BSA Scout Leader, Lifeguard, and Wood Badge Fox Patrol Member >> “Big Sister” in the Big Brothers, Big Sisters Program >> Born Overseas >> Agricultural Background

215 Centennial Hall | 720 Fourth Avenue South St. Cloud, MN 56301 | stcloudstate.edu/careercenter/

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The Blattner Family of Companies includes Blattner Company, Blattner Energy and D.H. Blattner & Sons.

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Women face unique financial realities. No matter your situation, we’re committed to helping you feel confident about your financial future.

April Diederich, CFP®, CRPC®, APMA®, BFA™ Financial Advisor

Jamie O’Rourke, CFP®, CRPC®, ADPA®, CDFA®, APMA®, Financial Advisor

Jill Bruno, BFA™, CRPC® Financial Advisor

Proviant Group A private wealth advisory practice of Ameriprise Financial Services, LLC 1765 Roosevelt Road, St. Cloud, MN 56301 P 320.654.6715 | TF 800.245.7757 | proviantgroup.com

PUTTING COMMUNITY FIRST Helping our community address legal issues since 1973!

JoAnn Evenson Attorney at Law

Since 1996

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1011 2nd St. N., St. Cloud, MN 56303 320.253.7130 | 800.324.8290 FHELawyers.com

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We’re here to help. Our name may be new to you, but for more than 30 years, Minnwest Bank has been committed to you and the communities in which you live, work and play. It’s a pursuit that’s never changed, and one that never will.

Doers Welcome.™ Good stewardship and making an impact are big parts of our overall mission here at WhiteBox Marketing. We often discuss our passion for inclusivity and the importance of being open listeners and honest communicators. Overall, we like to say that we are good people doing good things, going beyond what may be expected to reach a positive goal. For us, all of this culminates into one phrase: Do Good Together. WhiteBox is proud to be women-owned, where all are welcome.

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320.270.0722

Shawna Hanson, Marketing Expert shanson@localiq.com | 320-309-3609

DID YOU KNOW?

GROW

PEOPLE&PLACES

Meet Joan Schatz

Community Foundation announces philanthropy awards

Park Industries announces new CEO

The Central Minnesota Community Foundation recently announced the recipients of the 2022 Awards in Philanthropy. Debra Leigh is receiving the ATHENA Award, Melinda Gau was selected for the Professional Award in Philanthropy,

Joan Schatz has been promoted to chief executive officer at Park Industries in St. Cloud. Schatz joined Park Industries in 2006 as chief financial officer and has served as chief operating officer and co-president. As co-president, she successfully managed the complexity of the COVID-19 pandemic while continuing to focus on customer service. Her vision for the future has resulted in several product development initiatives that will help the company grow and advance the technology of the countertop fabrication industry. Schatz is a national award-winning manufacturing executive and serves on several boards in the local area.

and Dennis and Barb

NEWS BRIEFS

Gregory were recognized with the Alex Didier Award in Philanthropy.

Diederich earns special designation April Diederich, Proviant Group, recently obtained the Behavioral Financial Advisor (BFA) designation. The designation shows Diederich’s focus on the positive benefits of behavioral finance and emotional competence in helping clients make better decisions with, and

Krump receives career achievement award Deborah Krump, owner of Krump Benefit Consulting, was named to the Aflac Million Dollar Club, an achievement only a few agents accomplish. Aflac’s Million Dollar club recognizes associates who have achieved $1 million of in-force annualized premiums. It also recognizes exceptional customer service. Krump has

been an Aflac agent for 19 years, and is one of the top 20 producing agents in Aflac’s Minnesota-Iowa team. __________

program, and with the Sauk Rapids and Waite Park chambers. She has worked at the Chamber for three years. __________

Chamber promotes Wagner The St. Cloud Area Chamber of Commerce recently promoted Laura Wagner to director of programs and events. In addition to overseeing special events and networking programs, Wagner will now work with the Chamber’s Leadership

New attorney joins Rinke Noonan Ashley Bukowski recently joined the law practice of Rinke Noonan. Bukowski focuses on government law, criminal defense, personal injury, and probate and trust litigation.

about, money in the face of competing priorities and emotions.

NOTE WORTHY

Blattner food drive raises $220,000 Blattner Company’s employees in Avon and across the United States, raised over $220,000 during their annual food drive. Blattner has conducted the annual food drive to serve food shelves across the country for 23 years. In that time, employees have contributed more than 1.4 million in food and household items and more than $860,000. $158,000 of the money raised in 2022 was distributed to Central Minnesota food shelves in the communities of Avon, Albany, Melrose, Holdingford, Cold Spring, and Hanover. J U LY/ A U G U S T 2 0 2 2 // BusinessCentralMagazine.com

PROFIT

BUSINESSSPOTLIGHT

B U T T W E I L E R E N V I RO N M E N TA L

TIMELINE

Challenge and Opportunity Tim Buttweiler, Buttweiler Environmental, has been turning challenges into opportunities for 34 years. By Gail Ivers

1970 Jim Buttweiler establishes Buttweiler Janitorial Service and Supply at his kitchen table

1975 PERSONAL PROFILE

BC: And then your mom died in the accident. Buttweiler: And the business died with her. It was a sole proprietorship so it ceased to exist. I had to get a court order so I could pay the employees. I was gone from work for 45 days and my employer in Chicago provided me with templates for paperwork ... I bought chemicals from them ... they were great. At that point the allure of ownership and being in charge of my own destiny took over, and I moved back to St. Cloud.

Tim Buttweiler, 64 Hometown: St. Cloud Education: Bachelor of arts degree in business administration from St. John’s University, 1980 Family: Wife, Julianne; stepsons, Greg and David Hartung; daughters-in-law Kristy and Maura; grandsons Gabe and Auggie Hobbies: Travel, including extended trips to Europe, Africa, Guatemala, and the Caribbean; entertaining at home; building a wine collection; “wannabe gourmet.”

Corporate Office 250 Sundial Drive Waite Park, MN 56387-1523 (320) 251-4385

Business Central: Did you always plan to take over the family business? Buttweiler: No. My dad died in 1975 when I was in high school. It really threw me off course. I got my first “D.” I was planning to become a doctor. I went to St. John’s and followed the pre-med program and really struggled. I switched to business administration with an emphasis on healthcare administration, but couldn’t find a job. I worked for Mom for a year and finally ended up moving to Chicago and working for a large company in the janitorial industry.

Branch office 7308 Aspen Lane, ste 135 Brooklyn Park, MN 55428 info@bweclean.com

BEST ADVICE

AT A G L A N C E

Buttweiler Environmental, Inc.

Joined the Chamber in 1977

BC: What’s been your biggest challenge? Buttweiler: Financing was really challenging at first. Patty and I both took out home equity loans in order to have a line of credit. After 9-11 we lost 38% of our commercial contracts. Within a little more than a year we earned back all that and a little more, but it was rough. Staffing – especially lately – but probably always, has been a problem. There have been plenty of challenges, but you know, fate’s a funny thing. I had searched the world over for my soulmate and had given up. Turns out she was right here in St. Cloud. Julianne and I met in 2007 and married in 2008. If Mom hadn’t died and I hadn’t come back to St. Cloud I probably never would have met her.

Challenge and opportunity are two sides of the Business Description: same coin. Often, if there’s no challenge, there’s no A professional building services company opportunity. Find a challenge you can do something for commercial and about and you’ll find your opportunity. residential clients in Central Minnesota, Brainerd, Willmar, and the Twin Cities metro area. // Owner/President: Tim Buttweiler Opened: 1970; Incorporated under current ownership in 1988 // Number of Employees: 260-320 bweclean.com // envirotechclean.com // restoretech.com // houseworksmn.com 58

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Jim passes away due to chronic heart disease; his wife Ilone quits her job and takes over the business. She stops providing supplies, and adds smoke, fire, and water damage services

1988 Ilone dies from injuries received in a motorhome accident; her son, Tim, and daughter, Patty (Buttweiler) Stang, step in to run the business

1991 At the urging of the Planning & Zoning Board, the company relocates from its family-home basement office and garage warehouse to its present office/ warehouse complex in Waite Park.

2003 The company rebrands to Buttweiler Environmental Inc. with three operating divisions: EnviroTech Building Services, RestoreTech Restoration Technologies, and HouseWorks Home Services.

2012 Tim Buttweiler completes a buy-out of his sister Patty to become sole owner

2013 EnviroTech open a branch office in Brooklyn Park to support a long-term contract with a large medical client in the Twin Cities

We look at banking from a different perspective: yours. You started your business with big dreams and big ideas. But achieving your goals is a matter of doing all the little things right. At Bremer Bank, we’re ready to help you navigate all the details, questions and challenges you encounter on your way to growth and success. Because right now, relationships matter more than ever. Talk to a Bremer banker today. bremer.com Understanding is everything.