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Senior Planning

Mercy LIFE Aims to Improve Seniors’ Overall Wellness

By Mercy LIFE

 

Mercy LIFE is a Program of All-Inclusive Care for the Elderly (PACE). We meet you where you are and help you feel better, live safer, and stay connected to what you love.

When you join Mercy LIFE, we know our participants by name; you are more than a number. Our team of healthcare providers will meet with you to discover your goals and create an individualized care plan, keeping you at the center of your healthcare decisions.

“The program does for me what I can no longer do for myself. It helps me to remain independent.”

What Makes Mercy LIFE Different?

The wrap-around care allows you and your loved ones to rest easy and experience peace of mind. A driver from our team is available to help participants get to and from our center and other medical appointments. Our center serves as a one-stop shop, with physical and occupational therapists, skilled nurses, primary care, nutritional planning with dietitians, and fun activities with our recreation therapy department. You can receive all your care under one roof.

Our team might decide home care visits are best for you. In addition to our medical and social support services, home care can help with daily tasks such as bathing, getting dressed, and light housekeeping. Our goal is to keep you living at home as long as possible, while helping you maintain your independence.

 

What Do Seniors and Caregivers Say About Mercy LIFE?

“I love, most of all, when I am not feeling good, I can call them, and they will set up time for me to come into the clinic. They don’t make you wait long — sometimes they can get me in the same day or the very next day. They find out what is going on, and if they can’t help me, they will send me to a doctor who can help. It makes me feel good I can get the help I need.” —Carolyn M.

“We have hospitals and all the doctors, but it’s different when you have one number to call, and they help you make decisions on what to do next.” —Lisa D.

“I have seen a lift in my husband’s spirits and in improvement in his health. I would recommend it to other people. He can do a few things they have taught him to do on his own, and it’s helpful to me, giving me a break as a caregiver.” —Margaret K.

“The program does for me what I can no longer do for myself. It helps me to remain independent. I can’t come and go as I used to. The program comes, they bring my medications, they pick me up at the door, they bring me into the center. I’m never lonely anymore.” —Sandra G.

 

How Can Mercy LIFE Improve Mental or Spiritual Health?

As seniors age, isolation and loneliness can cause concern, not only for mental health, but also physical health. Mercy LIFE understands social connection is a priority for wellness. When participants visit our center, they have access to primary care and rehabilitative therapies, as well as engaging recreational therapy activities like chair yoga, pet therapy, and crafts.

Our care model treats the whole person — in mind, body, and spirit. Participants have access to spiritual care, designed to honor your values, preferences, and cultural traditions. We prioritize making sure participants know we care about them as individuals and ensure they are treated with dignity and reverence.

The most important thing is that our colleagues are fully present with every interaction and open to receive what you want to share, whether that’s celebrating a milestone or companionship in times of loss or grief.

Social workers will work with you to help make decisions and connect you to resources like counseling services, caregiver education, or access to legal support. If a senior is eligible for housing assistance, our team will work closely with participants to ensure they have a safe, accessible place.

Our team is committed to going beyond treating your physical health, and we are dedicated to your overall wellness. Leading with compassion and healing with heart, we treat the whole person.

Learn more about the comprehensive care at Mercy LIFE by calling (413) 827-4238 or visiting mymercylife.com

Senior Planning

How It Supports Independence for Older Adults

By Access Care Partners

 

In-home care is a lifeline for countless older adults and individuals with disabilities, offering a vital alternative to long-term care facilities. As the population ages and the desire for aging in place grows, in-home care has emerged as a cornerstone of support for maintaining independence, dignity, and quality of life.

 

Personalized Care Tailored to Individual Needs

One of the greatest advantages of in-home care is its ability to cater to the unique needs of each individual. Unlike the one-size-fits-all approach often found in institutional settings, in-home care plans are designed with the individual’s preferences, health conditions, and goals in mind. Caregivers provide assistance with daily tasks such as bathing, dressing, meal preparation, and medication management, ensuring that each person receives the support they need while maintaining their autonomy.

 

Familiar Surroundings Enhance Well-being

Remaining in the comfort of one’s home can significantly impact mental and emotional well-being. Familiar surroundings, cherished routines, and the proximity of loved ones create a sense of security and normalcy. For individuals with cognitive challenges like dementia, staying in a known environment can reduce confusion and anxiety, contributing to a better quality of life.

 

Cost-effective Alternative to Facility Care

In-home care often proves to be a more affordable solution compared to long-term care facilities. Families can choose the level of care needed, whether it’s a few hours a week or round-the-clock assistance, allowing for flexibility in managing costs. Additionally, many programs and services exist to help offset the expenses of in-home care, making it an accessible option for those with limited resources.

 

Promotes Independence and Empowerment

In-home care empowers individuals to retain control over their lives. By supporting activities of daily living and encouraging participation in decision making, caregivers foster a sense of independence. This autonomy helps to preserve dignity and self-worth, essential elements for a fulfilling life.

 

Reduces Hospital Readmissions and Improves Health Outcomes

With the personalized attention provided by in-home caregivers, health conditions are often better managed, reducing the likelihood of hospital readmissions. Caregivers can monitor symptoms, ensure medication adherence, and assist with mobility, all of which contribute to improved overall health outcomes.

 

A Holistic Approach to Care

In-home care goes beyond physical assistance; it also addresses social and emotional needs. Companionship is a key component, alleviating feelings of loneliness and isolation that can negatively impact health. Caregivers often become trusted allies, fostering connections that enhance emotional well-being.

 

Who We Are and What We Do

At Access Care Partners, we are proud to continue the work we have done for decades under our previous name, WestMass ElderCare — helping people remain independent in their homes. Our new name reflects our commitment to the broad range of individuals we serve, from age 3 and up. Whether it’s a child, an adult with a disability, or an older individual, we are here to provide the support and resources they need. Our mission remains steadfast: to help people live with dignity and independence. 

If you or a loved one could benefit from in-home care services, call Access Care Partners at (413) 538-9020 or visit accesscarepartners.org to learn more about how we can support your journey toward independence. No matter your needs, our dedicated team is here to help you live life on your terms, in the comfort and familiarity of your own home.

Senior Planning

Adult Family Care Offers Numerous Benefits

By Kayla Brown-Wood

 

In today’s fast-paced world, where independence is highly valued yet often difficult to maintain for individuals with medical or cognitive challenges, Adult Family Care (AFC) services offer a dignified solution.

Grounded in respect, care, and a sense of community, AFC enables individuals who need assistance with daily living to thrive in a safe and supportive home environment. At the same time, it empowers caregivers, who are often family members or trusted individuals, with the support and resources to provide care in a sustainable and fulfilling way.

Whether you’re a potential caregiver exploring meaningful ways to help a loved one or a family member seeking the best quality of life for someone in need, understanding Adult Family Care can open the door to a life-changing journey for both the caregiver and the member.

Kayla Brown-Wood

Kayla Brown-Wood

“Adult Family Care is a community-based residential care option designed for adults who cannot live safely on their own due to age, physical disability, chronic illness, or cognitive impairment.”

What Is Adult Family Care?

Adult Family Care is a community-based residential care option designed for adults who cannot live safely on their own due to age, physical disability, chronic illness, or cognitive impairment. Unlike nursing homes or assisted living facilities, AFC allows individuals to remain in a home environment where they receive individualized care according to their needs.

At its core, AFC matches a qualified caregiver with a member who needs daily support in the form of supervision and cueing or hands-on physical assistance throughout an activity of daily living. Such support may include help with bathing, dressing, meal preparation, and medication management. A care team consisting of a registered nurse and case manager conducts monthly home visits and provides support and training to ensure everyone involved is set up for success.

 

The Benefit to the Member

For the individual receiving care, known as the ‘member,’ AFC is more than just a service; it’s a lifeline. One of the most profound benefits of AFC is the opportunity to remain in a home setting rather than being placed in an institutional environment. This can mean waking up in a familiar room decorated to their liking, eating preferred meals at the kitchen table, and receiving care from someone they know, trust, and can rely on.

While members may need help with daily tasks, they are still encouraged to participate in decision making and maintain as much independence as possible. This balance of support and self-determination lies at the heart of our mission, empowering individuals to live with dignity, purpose, and a true sense of belonging.

 

The Benefit to the Caregiver

AFC caregivers are truly the heart of the program. Whether a caregiver is a devoted family member or someone drawn to the role out of compassion and a drive to make a difference, the rewards of caregiving through AFC are both practical and deeply fulfilling. Providing care in an AFC setting isn’t just a job; it’s a vocation and heartfelt calling rooted in kindness, patience, and a deep commitment to supporting another person’s well-being.

To recognize the significant responsibility of caregiving, the AFC program provides a tax-free stipend to caregivers. Additionally, caregivers are also entitled to a room and board payment, which is provided through a portion of the member’s monthly entitlements. The program includes clinical support from a registered nurse and case manager, who visit at least monthly to assess the member’s health, provide training, and troubleshoot any challenges. This support network is invaluable, ensuring caregivers are never left to navigate the journey alone.

 

A Bridge to Support

Importantly, AFC also serves families. For those who have been caring informally for a loved one with increasing needs, the program can be a much-needed bridge. It allows family members to formalize the care they are already providing, gain financial support, and receive guidance from a qualified team. It removes the isolation that can often accompany family caregiving and replaces it with partnership and a sense of relief.

If you or someone you know could benefit from AFC, whether as a caregiver or a member, reaching out is the first step. You may find that what begins as a caregiving arrangement becomes something even more profound: a shared life, filled with care and compassion. With the right support, care can happen right where it matters most, in the place you both call home.

 

Member and Caregiver Eligibility

To qualify as a member for Adult Family Care, the individual must be age 16 or older, have MassHealth (Medicaid), or be enrolled in another qualifying health insurance plan. They must also be unable to live alone due to a chronic medical, cognitive, or physical condition and require daily assistance, supervision, or cueing with at least one activity of daily living. AFC services must be ordered by a physician, and the member must live in the same home as the caregiver.

To qualify as an Adult Family Care caregiver, the individual must be at least 18 years old and may not be the legal guardian or spouse of the member. The caregiver must reside with the member, be physically capable of providing hands-on assistance, and successfully complete all required screening and training processes. Caregivers don’t need a professional healthcare license, just a genuine heart for helping others and a strong commitment to providing meaningful, quality care.

For more information on the Adult Family Care program at BFAIR, call (413) 664-9382 or visit bfair.org

 

Kayla Brown-Wood is director of Community Services at BFAIR.

Senior Planning

Ten Tips on How to Approach a Difficult Topic

By the AARP Foundation

The reality is that some conversations are just plain difficult — even with the people to whom you feel the closest. When preparing to discuss a difficult topic like senior care needs, it helps to follow the ground rules below to ensure that everyone’s feelings are respected and viewpoints are heard. To help make the conversation as productive and positive as possible:

1. Try not to approach the conversation with preconceived ideas about what your loved ones might say or how they might react. “Dad, I just wanted to have a talk about what you want. Let’s just start with what is important to you.”

2. Approach the conversation with an attitude of listening, not telling. “Dad, have you thought about what you want to do if you needed more help?” — as opposed to “we really need to talk about a plan if you get sick.”

3. Make references to yourself and your own thoughts about what you want for the future. Let them know they are not alone, that everyone will have to make these decisions. “Look, I know this isn’t fun to think about or talk about, but I really want to know what’s important to you. I’m going to do the same thing for myself.”

“Make references to yourself and your own thoughts about what you want for the future. Let them know they are not alone, that everyone will have to make these decisions.”

4. Be very straightforward with the facts. Do not hide negative information, but also be sure to acknowledge and build on family strengths. “As time goes on, it might be difficult to stay in this house because of all the stairs, but you have other options. Let’s talk about what those might be.”

5. Phrase your concerns as questions, letting your loved ones draw conclusions and make the choices. “Mom, do you think you might want a hand with some of the housekeeping or shopping?”

6. Give your loved ones room to get angry or upset, but address these feelings calmly. “I understand all this is really hard to talk about. It is upsetting for me, too. But it’s important for all of us to discuss.”

7. Leave the conversation open. It’s OK to continue the conversation at another time. “Dad, it’s OK if we talk about this more later. I just wanted you to start thinking about how you would handle some of these things.”

8. Make sure everyone is heard — especially those family members who might be afraid to tell you what they think. “Susan, I know this is really hard for you. What do you think about what we are suggesting?”

9. End the conversation on a positive note. “This is a hard conversation for both of us, but I really appreciate you having it.”

10. Plan something relaxing or fun after the conversation to remind everyone why you enjoy being a family. Go out to dinner, attend services together, or watch a favorite TV program.

These are just a few suggestions of things you, your loved ones, and other family members can do to unwind after a difficult conversation. 

Senior Planning

What to Look for in Medicare, Medicare Advantage Plans

By Sarah Fernandes

 

Each year, people who are 65 or older make decisions about their Medicare and Medicare Advantage coverage during the Medicare Annual Enrollment Period (also known as Open Enrollment) from Oct. 15 to Dec. 7. Before choosing their plans, Medicare beneficiaries should consider a few things.

 

Is All Medicare Coverage the Same?

While Original Medicare (Parts A and B), the plan provided by the federal government, covers hospitalizations and most doctors’ services, coverage for other services — like outpatient care, medical supplies, and preventive health care (Parts C and D) — can vary widely. Part C, otherwise known as Medicare Advantage, and Part D (prescription drug coverage) are offered through private insurers, such as Health New England and others.

Sarah Fernandes

Sarah Fernandes

“By focusing on prevention, any potential health issues can be identified early, and you can work to maintain optimal health and prioritize your well-being.”

What Is Medicare Advantage (Part C)?

Medicare Advantage (Part C) plans cover everything Original Medicare (Parts A and B) would cover, but offer additional benefits and services beyond Original Medicare. These added benefits can include prescription drug coverage, vision care, dental services, hearing aids, wellness programs, and more. Medicare Advantage plans provide greater opportunities for beneficiaries to engage in preventive services, such as regular check-ups, screenings, vaccinations, and health education.

By focusing on prevention, any potential health issues can be identified early, and you can work to maintain optimal health and prioritize your well-being. If you do have a chronic condition, a coordinated approach from your Medicare Advantage plan and your providers ensures that you receive the necessary support, education, and interventions to manage your condition effectively, leading to improved quality of life and health outcomes.

 

How Do I Decide?

To decide what plan is right for you, be sure to review the features of the plan. For instance:

• Make a list of your preferred healthcare providers and see if they are considered in network or out of network for each plan you are considering. Some plans do not cover out-of-network services at all, while some cover them partially.

• Similarly, make a list of your medications and see if they will be covered and how much, if anything, you will need to pay out of pocket (your co-pay).

• If you travel or spend time in other areas of the country, check if the plan allows you to use any Medicare-accepting doctor anywhere in the U.S.

• See if the plan covers dental, vision care, hearing services, and prescription drugs.

• Ask if the plan offers additional healthy benefits such as gym memberships, coverage for acupuncture, activity trackers, and weight management programs.

 

How Do I Learn More?

Health New England’s Medicare Advantage plans are a popular option for people age 65 and older who are looking to tailor their healthcare coverage to their personal needs. Health New England has many high-quality providers in our network across Western Mass., and we have plans that cover you anywhere you travel in the U.S.

To learn more about choosing the right Medicare or Medicare Advantage plan, you can attend Health New England’s live information sessions, which you can find and register for at healthnewengland.org/medicare/sessions, or visit healthnewengland.org/medicare for details about all we offer. You can also call Health New England at (877) 443-3314 (TTY: 711).

Other resources include SHINE, Massachusetts’ free Medicare advice service; visit online at mass.gov/health-insurance-counseling or call (800) 243-4636. Meawhile, the Medicare website is medicare.gov. n

 

Sarah Fernandes is the Medicare sales manager at Health New England and been with Health New England for more than 25 years. She and her team spend countless hours educating Medicare beneficiaries in Western Mass. on their Medicare options.

Senior Planning

Let’s Work Together to Address Senior Food Insecurity

By Jodi Falk

 

Food insecurity affects millions of Americans, but one of the most overlooked groups struggling with hunger is our aging population. According to Feeding America, nearly 5.5 million seniors in the U.S. faced food insecurity in 2021, a number expected to grow as the population ages and inflation continues to rise.

In Western Mass., tight budgets, limited transportation, and social isolation increase the vulnerability of seniors who may already be choosing between medication and meals. Proposed changes to SNAP and other federal food assistance programs could further strain seniors’ ability to access affordable, nutritious food. This is not the fault of individuals — it’s a systemic issue that impacts us all, and one we can work together to solve.

Jodi Falk

Jodi Falk

“In Western Mass., tight budgets, limited transportation, and social isolation increase the vulnerability of seniors who may already be choosing between medication and meals.”

How Seniors Can Get Support Now

If you’re a senior facing food insecurity or know someone who is, here are three meaningful steps to take:

1. Access Local Food Pantries and Delivery Services. Many organizations, including those to whom Rachel’s Table of Western Massachusetts (RTWM) delivers, provide direct food access through rescued and purchased food programs. Visit 413cares.org for information on where to find a pantry or meal site near you.

2. Enroll in SNAP and HIP. Whereas the requirements for these programs may be changing, they offer financial assistance for groceries, and HIP allows for extra benefits when purchasing fresh produce from local farmers. There may be a Mobile Market in your neighborhood. Visit mass.gov for more information.

3. Join a Community Garden Program. Opportunities like RTWM’s Growing Gardens allow seniors to grow their own food, build community, and improve physical and mental well-being. There are many community gardens in our area; check with your town or city to get connected.

 

Four Ways Rachel’s Table Fights Senior Hunger

RTWM addresses food insecurity through four core programs: Rescue, Purchase, Glean, and Grow. Every initiative is community-led and rooted in dignity, sustainability, and empowerment. Every program feeds and nourishes all generations. You can explore each in detail at feedwma.org, but one program especially stands out for seniors: Growing Gardens.

Currently partnering with two agencies that serve only senior residents and several others that serve seniors alongside people of all life stages, RTWM’s garden program provides education, supplies, mentorship, and community-building opportunities tailored to older adults. Through this initiative, dozens of seniors have regained access to culturally meaningful, fresh food, right from their own garden beds. For many, it’s more than just food — it’s connection. It’s confidence. It’s healing.

RTWM provides materials and mentoring to agency sites that encourage senior residents or constituents to plan, plant, and harvest their own food. Many seniors participate in community workshops with recipes from the garden — sofrito, pico de gallo, and many more. Seniors have said, “we are able to access a taste of home, of our history.”

Become a Tend-A-Garden Sponsor and Grow More Than Food

Businesses, organizations, and families can deepen their impact by becoming a Growing Gardens Tend-A-Garden sponsor. With three tiered levels of support, sponsors can contribute not just funding, but also their time, talents, and services to help these gardens — and the communities they nourish — thrive.

• Seed Starter ($5,000):

– Logo on RTWM’s website

– Acknowledgment in quarterly newsletters

– One aligned social media shout-out

• Seed Saver ($7,500):

– All Seed Starter benefits

– Garden signage

– Sponsor spotlight in newsletter

– Three robust social media features

– Employee recognition during gleaning events

• Seed Sustainer ($10,000+):

– All previous benefits

– Exclusive sponsor gleaning day for your team

– Inclusion in press and media outreach

– Co-branded local media and educational materials

 

Food for Thought

Whether it’s watering a garden on your morning commute, donating compost, or teaching a financial literacy workshop, your involvement matters. And your partnership will directly support seniors and others experiencing food insecurity in our region.

To learn more or arrange a visit to one of our gardens, visit feedwma.org/growing-gardens. n

 

Jodi Falk is executive director of Rachel’s Table of Western Massachusetts.

Senior Planning

Why Having Fun Is Essential to Healthy Aging

By Kathy Martin

 

Getting older comes with a full plate of responsibilities. From managing health concerns and financial planning to navigating family dynamics and estate matters, the list of ‘serious stuff’ seems to grow longer with each passing year. Whether you’re still working or enjoying retirement, it’s easy to let the weight of these obligations crowd out something just as vital to your well-being: fun.

Yes, fun. Joy. Laughter. Play. These aren’t just nice-to-haves; they’re essential ingredients for a long, healthy, and fulfilling life.

 

Kathy Martin

Kathy Martin

“Why does laughter matter? Because it’s healthy for the mind, body, and soul.”

 

The Science of Laughter

In the mid-1990s, Dr. Madan Kataria, a physician in Mumbai, India, sparked a global movement by tapping into the healing power of laughter. He founded the first Laughing Club, blending intentional laughter with deep breathing and stretching. This evolved into what we now know as laughter yoga, a playful, social, and surprisingly effective wellness practice.

Why does laughter matter? Because it’s healthy for the mind, body, and soul. Here’s what a good laugh can do:

• Lift your mood by increasing oxygen intake and reducing cortisol, the stress hormone.

• Strengthen social bonds and reduce feelings of isolation.

• Boost brain health by improving blood flow, memory, and focus.

• Build resilience by helping you cope with stress more effectively.

• Defuse tension and lighten difficult conversations.

• Support your immune system and improve sleep quality.

In short, laughter isn’t just contagious — it’s therapeutic.

 

Making Joy a Priority

The real challenge — and opportunity — is to make fun a deliberate part of your life. That means holding space for the things that bring you joy and being open to discovering new ones. Here are some ideas to spark your imagination:

• Love music? Attend a summer concert series or open mic night. Dust off that guitar or take up a new instrument. Or sign up for vocal lessons — singing is great for your lungs and your spirit.

• Feeling crafty? Join a local art class for jewelry making, watercolor, calligraphy and more. Explore DIY projects or creative workshops at your local senior center.

• Want to get your game on? Move beyond solo apps like Wordle and join a Scrabble or Mahjong group. Or host a game night with friends — puzzles, chess, bridge, or Bananagrams.

• Want to give back? Volunteer with a nonprofit that aligns with your passions, mentor younger generations, or help out at local events.

• Feeling competitive? Join a golf or pickleball league, or learn to play for the first time. Walk with a neighbor, cycle with friends, or try a new fitness class.

• Hungry for knowledge? Start or join a book club. Take a class, attend a lecture, or learn a new language. Visit museums or historical sites in your area.

• Craving adventure? Plan a trip, near or far. Try an improv class or attend a live theater performance. Explore new hiking trails or attend a local sports game.

• Foodie at heart? Take a cooking class or try a new cuisine. Visit a winery, brewery, or food festival. Or host a themed dinner night with friends.

 

Your Community Is a Playground

Many towns offer vibrant programs for older adults through senior centers, libraries, and parks and recreation departments. These hubs of activity are goldmines for connection, learning, and fun. Group travel for older adults is also on the rise, perfect for those who want to explore with like-minded adventurers.

 

A Silver Spoon Reminder

Years ago, a dear friend gave me a sterling silver ice cream scoop engraved with the words: “Life is short; eat dessert first.” It’s a sweet reminder that joy isn’t something to save for later. It’s something to savor now.

So yes, keep managing your health, finances, and responsibilities. But don’t forget to laugh, play, and explore. Fun isn’t a distraction from healthy aging — it’s a cornerstone of it. And we are fortunate to live in a region that is rich with options.

Who knows? Maybe you’ll be the one to start a laughter yoga class right here in Western Mass. If you do, count me in! n

 

Kathy Martin is president and CEO of Glenmeadow, a life plan retirement community in Longmeadow.

Features

Lots to Celebrate

Angela and Ted Chagnon (front, second and third from left) and the leadership team at Valet Park of America

Angela and Ted Chagnon (front, second and third from left) and the leadership team at Valet Park of America

 

When Ted Chagnon started his own business in 1990, he had big goals, but there were times, early on, when operating in seven states — from New England to Florida — and employing more than 1,250 people may have seemed like a dream too far.

But that’s precisely the growth trajectory Valet Park of America celebrated when it marked 35 years in business last month.

“It was kind of slow growth at first,” Chagnon said, recalling that his first two valet clients were Yankee Pedlar restaurant in Holyoke and Hotel Northampton, and other small businesses followed. It took two years before the company landed its first major client, Baystate Medical Center, and over the next several years, other large clients followed, particularly in the medical realm, from UMass Medical Center to MetroWest Medical Center in Natick and Framingham.

“Around 2005, we started adding ski resorts, locations in Albany, some locations in Connecticut, and we started to build some momentum. It was tough because we didn’t have any resources in the beginning.”

Initially focused on valet parking only, the business later expanded into parking management, operating lots and garages, and then other transportation services.

“That was simply because a lot of our clients, whether it’s a medical facility, a college, a casino, or a ski resort, sometimes need more than just valet; they need parking management services or transportation for guests, patients, or even transporting employees off site,” Chagnon explained. “Sometimes you’re moving the employees to off-site parking garages and parking lots when you run out of space.”

The company operates in a wide geographic footprint, from Buffalo, N.Y. to Boston, as well as in Vermont, Connecticut, Rhode Island, Virginia, and Florida. “We’re in Virginia as of last year, and we’ve been in Florida for five years now, and we’ve really grown tremendously there.”

Many employees have been with Valet Park of America for decades, some more than 30 years. Some of those are family, and Chagnon called this a family business; his wife, Angela, is senior vice president, with responsibilities in client relations, human resources, payroll, auditing, and marketing, and other relatives work in leadership positions as well.

“It’s so important to remember what those frontline people are doing out there, with the weather, and the circumstances, and the vehicles, and the hectic days. It can be stressful at times, and to have somebody in here who understands that and appreciates that is huge.”

“My sister was one of the founders. My niece runs our payroll department. My brother runs our fleet management and quality control department. So we are very much a family-run and owned and operated business,” he said.

But he also attributes this employee loyalty to a culture of opportunity, where someone can start by parking cars and eventually move up as other opportunities arise.

“As we grow, we have to hire more people, more regional managers, and it’s nice that we can promote from within. Many worked for us during college and came on board full-time right after college. I don’t think many of them thought they were going to have a career in parking, but then they stayed with the company. In fact, some of their kids are in college now and working for us.”

 

Getting Behind the Wheel

The Chagnons initially operated the company from home, then moved into an office at 191 Chestnut St. in Springfield, where Valet Park of America is still headquartered today.

“Then we kind of grew,” he said, but it was very gradual growth until about 20 years in, when both the roster of clients and the company’s geographic reach started to create more noticeable momentum. “Then you start becoming a bigger company, with different challenges. But one of the biggest, I think, has been keeping the mentality of a family-run and owned business and maintaining that culture.”

Angela agreed. “I think that just came naturally to Ted and me. I love seeing somebody that starts off as an entry-level valet attendant, and now they’re in the payroll department, or they’re helping me in the accounting department. It’s very rewarding to know that we can do that for them. Anytime we have an opening in the office, we post internally. I love to bring somebody up who knows us, who knows the business, who knows our culture, who appreciates what those frontline employees do.

“That’s the biggest factor for me,” she added. “I’m more internal; we’re more support staff on the back end, and it’s so important to remember what those frontline people are doing out there, with the weather, and the circumstances, and the vehicles, and the hectic days. It can be stressful at times, and to have somebody in here who understands that and appreciates that is huge. It makes a difference, I think, to the frontline employees when they see that. I’ve parked cars. I know what’s happening.”

With the company’s growth, Ted said he’s competing with a number of national firms, and dealing with the sorts of economic shifts that any industry faces — and, like many of them, he relies on a diverse client mix to weather those trends.

Angela and Ted Chagnon launched their enterprise 35 years ago last month

Angela and Ted Chagnon launched their enterprise 35 years ago last month

“During COVID, which was unusual, colleges got shut down; they’re doing well now, but they’re finding some fiscal restraints. Hospitals right now are finding some fiscal restraints as well; there have been some cuts there. And restaurants, in some cases, with inflation, have had to cut back, and valet services might be something that’s cut,” he explained.

“But we’ve expanded to ski resorts and casinos and still have medical facilities, colleges, and independent parking lots. So we have a wide range of industries that we service,” he added. “So we do well; one industry might be seeing some cuts or finding some fiscal restraints, and something else might be flourishing. And some states might be doing better than others. It’s never completely smooth sailing.”

The pandemic, as Chagnon noted, was indeed unusual, and particularly challenging, as colleges, casinos, and ski resorts shut down and hospitals cut way back on visitor traffic.

“We had to evolve and adapt, and we had to lay a lot of people off, but here’s what we did: we went back to our hospital clients especially and said, ‘is there anything you need us to do? You don’t need us to transport anyone. You don’t need any parking services, but what can we do for you?’

“And as things progressed, we ended up staffing a lot of COVID testing sites. We were greeting people, lining up the parking, queuing them up, checking them in. That rolled into screener services at a lot of facilities where you would come in and we’d check your temperature, and we’d ask you an array of questions pertaining to travel and things like that before you could enter the hospital. We’d register you. Because the hospitals were short-staffed, and we had a lot of people that had been working with us for a long time, and we wanted to retain them.”

Two scenes from last month’s 35th anniversary celebration, a family-friendly event that drew about 500 people.

Two scenes from last month’s 35th anniversary celebration, a family-friendly event that drew about 500 people.

It was a time of pivoting and resilience for most businesses, he noted.

“Everyone just said, ‘what do we need to do to keep the lights on?’ Because we still had bills to pay, mortgages and insurance and leases on vehicles. You still had to charge through that and make it happen. So we were fortunate that we had a decent number of people that were willing to do that,” he continued. “I was here at work every day just fighting through those challenges. It was a difficult time.”

 

Shifting into the Next Gear

With the pandemic well in the rear view — literally and figuratively — Valet Park of America continues to grow its services and footprint while maintaining that culture the Chagnons value. Last month, the company marked 35 years with a family-oriented celebration in its expansive parking lot, featuring inflatables, rock climbing, cornhole, face painting, and other activities.

“That brought about 500 people here — about 200 employees and all their kids and their spouses — and it was a very much a family environment for everyone to celebrate,” Ted said.

The event also individually recognized employees who had been with the company for 15, 20, 25, 30, and 35 years. “We wanted to start with the fifth year, but we had over 150 employees that were here more than five years and a large number of employees over 10 years, and would have been here for two days celebrating each one of them individually,” he said.

“We take pride in our employees’ tenure and the environment that we provide for them,” he added. “It’s a company that can’t run on its own. You can’t have just one person or two people running it. You need a large, supportive team behind you.”

The company also invests in plenty of training for its employees, he told BusinessWest. “We do a lot of training year-round for all our staff because we feel it’s important to make sure that they’re educated, that they know the business, and it gives them opportunity to advance.

“And it helps maintain our culture, too, because we’re in the people business, any way you look at it. We might be in the parking business, we might be in transportation, but it takes people to provide those services, and our employees are really our greatest asset.”

That culture extends to community involvement in many ways as well, supporting organizations like the USO, Jenna’s Blessing Bags, and the various foundations of the company’s medical clients — not to mention encouraging employee volunteerism with nonprofits and charitable events, like the annual UMass Cancer Walk. And those efforts are multiplied across the company’s seven states.

Looking ahead, Chagnon said Valet Park of America will continue to grow smartly and innovate in a number of ways — like its adoption some years ago of automation in the parking process at many sites.

“It’s a company that can’t run on its own. You can’t have just one person or two people running it. You need a large, supportive team behind you.”

“We distribute magnetic parking gates and started building our own entrance and exit payment kiosks for parking garages and parking lots. We kind of branched off into that a little bit to try to be a multi-faceted service provider for our clients.

“We try to control costs for them, provide a very good service, evolve, and adapt to their needs as a vendor or partner. And I think we do that well,” he continued. “Every year we see growth, and it’s primarily because of the services that we provide and the quality that we provide and a lot of good referrals.”

Angela agreed. “Our culture is so important to us, and it always has been. It’s something we focus on every year when we talk about our goals. We make sure to maintain, as best we can, communication and relationships with all the employees as we continue to grow,” she told BusinessWest. “And we have seen that nice, steady growth … obviously minus the COVID years.”

“We’re just looking forward to the next number of years,” Ted added. “Hopefully we have quite a few ahead of us.”

Accounting and Tax Planning

The Unseen Superhero

By Tanzi Cannon-Eckerle, Esq.

 

Most likely, nobody dreams of growing up and becoming a compliance officer. Hollywood has yet to greenlight Compliance: The Movie, and you’re unlikely to see glossy magazine profiles of the world’s top compliance chiefs (though wouldn’t that be a page turner?). Still, in the narrative of modern business, the compliance program is the unsung superhero — quietly saving the day, one avoided disaster at a time.

Why, you might ask, does your company even need a compliance program? Isn’t it just a bunch of paperwork, long-winded training sessions, and rules that seem designed to stop you from having fun? Well … kind of — but it is also so much more. The reality is far more entertaining — and, in the long run, far more profitable. Let’s unpack the reasons with wit, wisdom, and a few hypothetical examples that might hit closer to home than you’d expect.

 

The Wild West Without Compliance

Imagine a company called AutoToastBot, the world’s fastest-growing supplier of smart toasters, run by a CEO who believes rules are for “other people.” Employees are encouraged to be creative — so creative, in fact, that the accounting team once tried recording sales made to imaginary customers in Neverland. Human resources operates like a game show, where every new hire spins a wheel to determine their salary. Marketing’s latest campaign involves sending unsolicited bread samples to every mailbox in the country, leading to the Great Pigeon Stampede of 2025.

Tanzi Cannon-Eckerle“A compliance program is a structured set of internal policies, procedures, and controls designed to ensure that a company and its employees follow laws, regulations, and ethical standards. Think of it as the operating manual for not accidentally (or intentionally) landing your company on the evening news.”

Unsurprisingly, the government takes notice. Regulators descend. Fines are levied, lawsuits filed, and soon the only thing rising faster than the company’s bread is its legal bill. The story of AutoToastBot ends not with a bang, but with a whimper — and a cautionary tale about why compliance isn’t just a buzzword, but a business necessity.

 

What Is a Compliance Program, Anyway?

A compliance program is a structured set of internal policies, procedures, and controls designed to ensure that a company and its employees follow laws, regulations, and ethical standards. Think of it as the operating manual for not accidentally (or intentionally) landing your company on the evening news.

A proper compliance program typically includes:

• Clear guidelines on what’s allowed and what’s not;

• Training sessions to educate staff (yes, even those who think they know everything);

• Mechanisms for reporting and addressing violations; and

• Periodic reviews and updates to keep up with new regulations.

In short, it’s about building an organizational immune system to detect, prevent, and respond to business risks before they become full-blown crises.

 

Example 2: The Vendor Who Wasn’t

SirTechalot prides itself on speed. In the rush to launch a new product, the procurement team skips the vendor due diligence. The chosen supplier, BestParts4U, offers unbeatable prices and an address suspiciously similar to a parking garage. Months later, the company receives counterfeit parts, and customers post photos of exploding gadgets. Oops. The company’s new product is promptly banned from the market, and its CEO becomes intimately familiar with legal counsel.

A compliance program requires vendor vetting to ensure suppliers are real, reputable, and not just a front for creative entrepreneurship.

 

The Real Value (Beyond Avoiding Jail Time)

Even when the value of a good compliance program is clear, the implementation and continued execution of it can seem drab, dull, a fun sucker … yes, many employees see compliance as the ‘fun police’: “You can’t do this. You mustn’t do that. Please don’t build a zipline from the roof to the parking lot.”

While it may seem like compliance dampens creativity, the truth is that a good compliance program doesn’t stifle innovation — it guides it. Imagine trying to play a sport with no rules. The strongest players would dominate, injuries would soar, and chaos would reign. Rules, like those in compliance, create a level playing field. They keep the game fun for everyone (and out of court).

Of course, avoiding handcuffs and headlines is a good incentive, but the value of compliance goes deeper. It presents significant strategic value for forward-thinking organizations. A well-structured compliance program can:

• Enhance reputation: Nobody wants to do business with a company known for shortcuts or scandals. Compliance builds trust.

• Build employee morale: People thrive in environments where expectations are clear and fair. Compliance fosters a culture of integrity.

• Reduce risks: By proactively identifying and mitigating risks, companies can avoid costly fines, sanctions, and litigation.

• Create competitive advantage: Companies that anticipate and address risks don’t just survive — they outpace competitors mired in litigation and scandal.

• Promote sustainability: Long-term growth depends on responsible, legal operations. Compliance isn’t just a cost; it’s an investment.

• Attract investment: Investors are increasingly scrutinizing compliance and governance structures before committing capital.

 

How to Build a Compliance Program Without Losing Your Sanity

The good news? Compliance does not require a PhD in legalese or a taste for endless PowerPoints. Here’s how to get started.

First, leadership must be committed to compliance and must walk the walk. Remember, compliance works best when it’s embedded in the company’s culture, not tacked on like an afterthought. The next steps are to:

• Appoint a compliance officer or team (preferably someone who enjoys reading fine print);

• Map out the legal and ethical requirements for your industry;

• Draft clear policies, in plain language (bonus points for humor);

• Create regular, interactive training — think quizzes, scenarios, even the occasional game show;

• Set up anonymous reporting channels for concerns; and

• Review and update your program regularly to keep pace with new laws and business changes.

 

Some Key Areas of Compliance

• Data privacy and protection: In the age of digital everything, regulators have turned the spotlight on how businesses handle personal info. Companies must have robust security measures and transparency in their data practices.

• Anti-bribery and corruption: With laws like the U.S. Foreign Corrupt Practices Act and the U.K. Bribery Act, it’s all about keeping it clean. These regulations demand businesses whip up comprehensive training and auditing systems to deter any shady dealings.

• Environmental compliance: Sustainability is the new black. From emissions standards to waste management protocols, businesses are now expected to be green warriors, adhering to environmental regulations with gusto.

• Employment law and workplace practices: Fair hiring, anti-discrimination, and occupational safety regulations are the guardians of a positive work environment. Think of them as the cool kids ensuring every workplace is just and safe.

• Financial reporting and anti-money laundering: Accurate financial reporting and vigilance against money laundering are not just about ticking boxes. They’re the bedrock of maintaining investor and public confidence, making sure the financial ship sails smoothly.

 

The Compliance Program: Everyone’s Secret Superpower

In the end, a compliance program is less about red tape and more about creating a workplace where everyone knows the rules — and the reasons behind them. It prevents disasters, protects reputations, and empowers companies to grow with confidence.

So, the next time someone suggests that compliance is boring, remind them of AutoToastBot’s Pigeon Stampede, or SirTechalot’s exploding gadgets. A compliance program may never win an Oscar, but it will help your company survive to see another business day — and that’s a story worth telling.

 

Tanzi Cannon-Eckerle is the principal attorney at General Counsel by Cannon, PLLC, a fractional general counsel law firm that focuses on labor, employment, and business law. She is also a certified workplace investigator, compliance professional, and equity and inclusion officer. For more information about workplace investigations or to seek legal assistance on business matters or labor and employment concerns, schedule a free, 30-minute consultation by emailing [email protected], or visit gcbycannon.com and fill out the ‘Contact Us’ form.

Accounting and Tax Planning

Online Fraud on the Rise

By Dan Werme and Terra Carnrike-Granata

 

We’re all aware of the many ways scammers are working to defraud individuals out of their hard-earned money. But small businesses continue to be in the crosshairs of today’s online criminals.

The Federal Trade Commission highlights a wide range of fraudulent schemes targeting businesses, including scams involving fake invoices and unordered merchandise, online listings and advertising, credit card processing and equipment leasing, tech support, altering online reviews, bank and business impersonation scams, and the list goes on.

In its 2024 Internet Crime Report, released earlier this year, the FBI showed that business email compromises resulted in $2.77 billion in losses to businesses. Phishing or spoofing scams, defined by the FBI as “the use of unsolicited email, text messages, and telephone calls purportedly from a legitimate company requesting personal, financial, and/or login credentials,” were the cause of $70 million in losses. Other scams, like tech support and personal data breaches, resulted in losses exceeding $1.4 billion.

In all, businesses and individuals lost a record $16.6 billion to cybercriminals last year, and projections are that scams driven by artificial intelligence (AI) could result in as much as $40 billion in losses by 2027.

Terra Carnrike-Granata

Terra Carnrike-Granata

Dan Werme

Dan Werme

“In all, businesses and individuals lost a record $16.6 billion to cybercriminals last year, and projections are that scams driven by artificial intelligence (AI) could result in as much as $40 billion in losses by 2027.”

Protecting your company’s valuable financial assets starts with internal security; a few simple steps can go a long way in protecting your business from external threats. Your business should:

• Trust but verify whenever you receive a request for payment or invoice changes from customers, vendors, or partners. It is important to make direct contact using a trusted phone number to confirm the instructions aren’t coming from a scammer.

• Implement good computer security practices. It’s essential to establish and maintain basic security procedures and controls for your business, and to update and distribute these to all employees regularly.

• Safeguard your information. Some simple steps include installing commercial antivirus software on all computers, ensuring those programs are updated regularly, and installing spyware detection programs.

• Educate your employees. A robust security program, combined with awareness of warning signs, safe practices, and responses to a suspected takeover, is crucial for protecting your company and its customers.

• Protect your online environment. Do not use unprotected internet connections. Encrypt sensitive data and keep your computer up to date with the latest virus protections. Use complex passwords and change them periodically.

• Partner with your bank to prevent unauthorized transactions.

• Pay attention to suspicious activity and react quickly. Look out for unexplained account or network activity, pop-ups, and suspicious emails. If detected, immediately contact your financial institution, stop all online activity, and remove any systems that may have been compromised. Keep records of what happened. And never share one-time pins, especially if you receive a call from someone claiming to be your financial institution. Banks don’t ask that.

• Understand your responsibilities and liabilities. The account agreement with your bank will outline the commercially reasonable security measures required for your business. You must understand and implement the security safeguards in the agreement. If you don’t, you could be liable for losses resulting from a takeover.

 

What to Do After an Incident

Despite taking these critical steps, businesses can sometimes be victimized by cybercriminals. In such cases, immediate action is crucial to help limit the damage or loss.

In the event of a cybercrime incident, several steps should be taken. First and most important, cease all activity on your computer system immediately, contact your bank, and change your online banking passwords. Other actions include opening new accounts, filing reports with local police and the FBI’s Internet Crime Complaint Center, and keeping meticulous records of events around the hack.

If you’ve lost your business’s credit or debit cards or checks, contact your bank.

If you think you’re being scammed through email, remember that financial institutions will never ask for personal information or account access credentials in an email. Don’t click on any links or respond to the message — delete the email and check your computer for spyware or other malware and contact your bank.

Identity theft can impact businesses as well as individuals, and there are several ways to know if you have been victimized. They include notices or emails telling you that your account information has been updated or that your information may have been compromised, bills or collection calls for accounts you’ve never opened, unknown accounts or inquiries that appear on your credit report, or an unexpected denial of a credit card application. If you suspect your identity has been stolen, contact your bank and place a fraud alert on your credit report by contacting one of the three major credit bureaus: Equifax, Experian, or TransUnion.

In our increasingly digital world, threats abound, with the growth of AI-based scams exponentially increasing those threats. NBT Bank’s Business Fraud Information Center provides a full range of resources and information to help keep your business secure. We work to provide up-to-date fraud information and alerts to help ensure your business won’t be one of the thousands victimized by scammers.

Dan Werme is regional president of Massachusetts for NBT Bank, which serves commercial and retail banking clients at locations in North Adams, Pittsfield, Lee, Great Barrington, South Egremont, and Sheffield. Terra Carnrike-Granata is senior director of Information Security at NBT Bank, where she designs and implements sophisticated controls to prevent loss and mitigate risk, while also developing innovative ways to educate consumers and businesses on cyber threats.

Commercial Real Estate

The Next Chapter

An aerial view of the Monson Developmental Center campus.

An aerial view of the Monson Developmental Center campus.

 

When Jeff Daley first pitched the Westmass Area Development Corp. board on the concept of redeveloping a portion of the former Monson Developmental Center (MDC) campus, it wasn’t a hard sell, necessarily.

“But it was a sell,” said Daley, the agency’s president and CEO, and for several reasons.

“It’s an imposing site, and there’s a ton of work that has to be done,” he said of the 100-acre parcel, which essentially sits between two mountains, with very little of what would be considered flat land. “And there’s a lot of money that has to be invested just to make the site developable again.”

But Daley was able to sell his board on the concept — a commitment from the state to provide a $9 million site readiness grant to the agency, as well as an accompanying reversion clause, certainly proved to be a turning point in the sales process — and late last month, the Commonwealth officially conveyed the property to Westmass, touting the transaction as part of ongoing efforts to utilize existing properties to build more housing in a state where there is a strong need for it.

And with that transfer, Westmass, in partnership with the state’s Division of Capital Asset Management and Maintenance, will commence work to create what will be known as the Village at Sawmill Brook.

The brook runs through the middle of the property, said Daley, adding that the name was chosen to reflect the rural nature of the community, and a ‘village’ is what is intended, with both residential and commercial development planned.

This is a village that will take shape over the next 10 to 20 years, he noted, adding that the first steps in the process involve demolition of almost all of the 14 existing buildings on the site — one structure, a recreation center at MDC, might be salvaged — as well as environmental remediation and infrastructure improvements.

Demolition is slated to begin early next year, and actual building will likely commence in maybe three years, Daley said.

Exactly what will be built remains to be seen, he told BusinessWest, as well as a gathering of about 100 Monson residents at a recent meeting of the Monson Board of Selectmen, noting that the site, and the market, will likely determine what shape this village will take.

“It’s an imposing site, and there’s a ton of work that has to be done. And there’s a lot of money that has to be invested just to make the site developable again.”

There will be housing, and probably several forms of it, with subdivisions, senior housing, veterans’ housing, and other options under consideration.

One of the first steps in the process will be creation of a master plan for the site to determine how many of those 100 acres can be developed, and in what ways.

“We’re in discussions with several of the groups that do housing for veterans,” Daley noted. “We’ll also talk with folks who do assisted living projects around the area to see if there’s a need for that in the Monson area.”

The next phase of the MDC project will involve demolition of the buildings on the campus

The next phase of the MDC project will involve demolition of the buildings on the campus, most of which are in an advanced state of deterioration.

There could also be senior affordable housing, similar to what has been created at another Westmass property, Ludlow Mills, he went on, adding that single-family homes, condos, duplexes, and fourplexes could also be in the mix. There will also be commercial elements, he said, such as retail businesses with residential units on the upper floors of buildings, in keeping with that ‘village’ concept.

“Right now, it’s a blank slate,” he noted, adding, again, that need and market conditions will likely dictate how the site is redeveloped.

Before any development can take place, the site needs to be cleared and infrastructure improved, a massive undertaking involving everything from the demolition of existing buildings, some of which are quite large, to replacement of a bridge that provides access to the site, for which the state has approved $5 million in funding.

The total cost of site preparation work is expected to approach and perhaps exceed $20 million, said Daley, adding that the state will work with Westmass to identify additional funding sources to advance the development.

Overall, the project represents a different kind of challenge for Westmass, but in many ways it is similar to the Ludlow Mills in that it involves extensive demolition and redevelopment of cleared sites.

“This is what we do … this is where Westmass shines,” Daley explained. “We take older properties and figure out what we can do with them, and I thank the governor and her team for trusting us and supporting us with the financial resources to do this. But once it’s down, cleaned, and demoed, it’s up to us to put together a really good, solid development plan that will benefit Monson.”

Accounting and Tax Planning Special Coverage

A Sweeping Tax Overhaul

By Tim Provost, CPA

In a dramatic display of legislative determination, the U.S. Congress passed, and President Trump signed into law, a sweeping tax reform package on July 4. Though stripped of its campaign-era title for procedural reasons, the One Big Beautiful Bill Act represents one of the most comprehensive overhauls of the U.S. tax code since the Tax Cuts and Jobs Act (TCJA) of 2017.

Packed with both solidified extensions of soon-to-expire provisions and a host of new reforms aimed at individuals and businesses, the legislation reshapes the tax landscape for years to come. It also dramatically curtails green energy tax incentives to offset the substantial cost of these reforms, estimated to exceed $5 trillion over a decade.

 

Making TCJA Permanent

At its core, the bill cements many key provisions of the TCJA that were set to expire at the end of 2025. These include the maintenance of reduced individual income tax brackets (10% to 37%), the higher standard deduction, the elimination of personal exemptions, and the expanded alternative minimum tax thresholds.

The final legislation increases the standard deduction beginning in 2025, setting it at $31,500 for joint filers, $23,625 for heads of household, and $15,750 for single or married individuals filing separately. These figures will continue to be indexed for inflation.

The child tax credit is permanently increased to $2,200 per child, with inflation adjustments and a refundable portion of $1,700 for 2025.

The act also preserves the expanded estate tax exemption at $15 million (indexed for inflation) and makes permanent several itemized deduction limits and changes to the mortgage interest deduction, which will now include mortgage insurance premiums.

Tim Provost“In a move that drastically shifts federal energy policy, the act eliminates or shortens a range of green energy tax credits introduced in the Inflation Reduction Act.”

Tax Relief for Workers and Families

Among the most headline-grabbing provisions are new deductions designed to benefit middle-income earners in specific professions:

• A new tax deduction of up to $25,000 is available for tip income received in specific occupations (excluding highly compensated employees). The deduction begins to phase out at $150,000 of modified adjusted gross income for individuals and $300,000 for joint filers. This deduction is available through 2028.

• Overtime compensation is now partially shielded from taxation, with a deduction capped at $12,500 per taxpayer and income limits similar to those for tips.

• Seniors age 65 and over are eligible for a bonus standard deduction of $6,000 through 2028, subject to income phaseouts.

 

SALT Cap Expansion, Expiration

Long a point of contention, the state and local tax (SALT) deduction cap sees a temporary reprieve. The cap is lifted from $10,000 to $40,000 in 2025, increasing slightly each year through 2029, before reverting to the original limit in 2030. However, phaseouts apply for taxpayers with high incomes, starting at a modified adjusted gross income of $500,000.

 

Business Provisions Made Permanent

For businesses, the bill makes several long-advocated provisions permanent:

• It reinstates 100% bonus depreciation for qualified property placed in service after Jan. 19, 2025 and makes it permanent. The bill further includes expanded eligibility for manufacturing property and broader asset classes.

• The bill permanently reinstates full expensing of domestic research and experimental (R&E) costs from 2025. Small business taxpayers with average annual gross receipts of $31 million or less may even retroactively apply this change back to 2022 through amended returns. Taxpayers who previously capitalized R&E costs after Dec. 31, 2021, and before Jan. 1, 2025, may elect to accelerate the remaining deductions for such expenditures over a one-year period or ratably over a two-year period.

• Though the House bill proposed increasing the qualified business income (Sec. 199A) deduction to 23%, the final law keeps it at 20% while expanding phase-out thresholds. The deduction is now permanent.

• The maximum small business expensing (Sec. 179) deduction is increased to $2.5 million, with a phase-out beginning at $4 million of property acquisition.

 

IRS Reform and International Tax Tweaks

The Act terminates the IRS Direct File program, reallocating funds to study a public-private partnership model for free tax filing solutions.

International tax changes include renaming and modifying deductions:

• FDII and GILTI are renamed to FDDEI (foreign-derived deduction eligible income) and NCTI (net CFC tested income), respectively, with corresponding deduction percentages reduced slightly from current levels.

• The base erosion and anti-abuse tax rate is stabilized at 10.5% instead of the scheduled increase to 12.5%.

“Businesses, especially those involved in capital investment and research, will benefit from enhanced expensing rules and the permanence of deductions that had previously been temporary.”

Green Energy Rollbacks: A Major Offset

In a move that drastically shifts federal energy policy, the act eliminates or shortens a range of green energy tax credits introduced in the Inflation Reduction Act.

Clean vehicle credits, residential clean energy credits, alternative fuel infrastructure credits, and energy-efficient home credits are terminated after Dec. 31, 2025 (or slightly later in the Senate compromise).

Notably, the New Markets Tax Credit, supporting low-income investment, was preserved and even made permanent, a lone holdover in an otherwise sweeping repeal of energy-related incentives.

 

Final Thoughts

The One Big Beautiful Bill Act legislation brings a significant degree of clarity and continuity to the federal tax code. By making many provisions of the TCJA permanent and introducing new deductions targeted at workers and families, the law offers both simplification and expanded relief for a broad spectrum of taxpayers.

At the same time, the reduction or elimination of several green energy incentives reflects a reprioritization of fiscal resources aimed at offsetting the cost of these reforms. Businesses, especially those involved in capital investment and research, will benefit from enhanced expensing rules and the permanence of deductions that had previously been temporary.

As the new provisions take effect, taxpayers, advisors, and financial professionals will need to evaluate how the changes impact planning strategies and compliance obligations in both the near and long terms. Continued guidance from the IRS and Treasury will be critical to implementing the new rules effectively and ensuring that both individuals and organizations can make informed decisions under the updated tax framework.

 

Tim Provost, CPA is a partner at MP CPAs. He has more than 15 years of practice in personal and business taxation at both the federal and state levels, as well as experience working with international affiliates on foreign tax issues. He provides consulting and tax solutions to a diverse group of clients, including individuals, partnerships, limited liability companies, corporations, and trusts. Provost specializes in working with high-net-worth clients and private equity firms and their owners. He is also a certified valuation analyst who works with clients on the value of a particular business for the purpose of acquisitions, sales, and gift and estate tax purposes, to name a few.

Cybersecurity Special Coverage

Sophisticated Game

 

 

There’s no doubt, information security experts say, that people have become more savvy about detecting phishing attacks and other cyber threats.

Unfortunately, the hackers have become more savvy as well — exponentially so, in the era of artificial intelligence — and that’s a problem.

“The risk is getting worse, not better,” Bean said. “The sophistication of the attacks is getting infinitely better, and the variety or complexity of the attacks is getting significantly higher. And a lot of that is driven by AI.”

Elaborating, he explained that there are essentially two types of phishing attacks. One is the bread-and-butter, scattershot attacks that hope to ensnare as many random recipients as possible. And these hackers — many of them operating from foreign countries where English isn’t their first language — are now using AI to craft emails that sound more plausible, and don’t set off the same alarm bells as their cruder predecessors.

“But then there are high-value attacks, which are much more sophisticated and much more intelligent. They’re not just mass attacks sent out to hundreds or thousands or millions of people. They’re targeted attacks,” Bean said — and these employ AI to a troubling degree.

He related a real-life example of a CFO getting an email from a hacker posing as a vendor, urgently asking for a payment, at a time when the CEO was traveling and unavailable (which the hacker knew). To verify the transaction, the hacker set up a Zoom call with what turned out to be a deepfake version of an actual attorney.

“The lawyer says, ‘this is what the money is for; go ahead and wire it.’ And the CFO, at that point, is very comfortable and sends the money, no hesitation,” Bean said. “That kind of deepfake would have been impossible even three years ago; only Hollywood could provide that level of sophistication. But in the last couple of years, it’s so easy. You can get content online, combine it with certain tools, and do some really impressive stuff that’s beyond phishing — it’s straight-up cybercrime.”

Tim Miller, chief Information Security Officer at Community Bank, agreed that malicious AI tools are helping to create perfectly crafted phishing emails that are specific to a company or individual user, which is why the bank’s employees are not only trained on a regular basis to detect these threats, but tested as well.

“You don’t want to create a simulated fishing program without some level of training tied to failures,” he explained. “And you’ve got to make it believable; you’ve got to make it good. Sometimes that upsets people; we’ve done tests in the past that people have gotten really upset about, but that’s what these threat actors are doing. They don’t care what your feelings are. The point is to get an emotion out of you, a sense of urgency, of fear, and that’s how they get you to click.”

Exploiting the human element in cybercrime — known in IT circles as social engineering — is an ongoing concern for companies of all sizes.

Delcie Bean

Delcie Bean

“The risk is getting worse, not better. The sophistication of the attacks is getting infinitely better, and the variety or complexity of the attacks is getting significantly higher. And a lot of that is driven by AI.”

Hoxhunt, an organization that helps companies with IT risk management, notes that the human element is a factor in 68% of data breaches, according to a Verizon report. Of those, the Comcast Business Cybersecurity Threat Report says 80% to 95% are initiated by a phishing attack, and the total volume of phishing attacks has skyrocketed since the advent of ChatGPT in 2022.

“I think the risks from AI are going to continue to develop, and we’ve already seen significant changes from what the risks were before,” Miller said. “What was theoretical risk a year ago is actual risk now, and what that’s going to look like a year from now, I think, is somewhat unknown.”

 

Damage Done

For companies that do fall prey to cyberattacks and data breaches, the damage can be significant, Miller said, especially for companies (like banks and hospitals) in highly regulated industries, publicly traded companies, and businesses that operate in multiple states.

“Even if you deem it a small-scale event, it can mushroom very quickly,” he noted. “Now, let’s take the example of ransomware, where they’re able to get in and actually encrypt your data. In almost every ransomware event over the last couple of years, they’ve combined that with data exfiltration. So not only are they preventing you from accessing your files, they have a copy of it themselves. So it’s a combination of them wanting money from you, and they have the data already.”

Another big risk in these events is reputation risk, he went on.

“If a customer knows that you’ve had a security incident or a breach, especially a significant one, how do they know their data is going to be protected going forward? How do they know that the company is ultimately going to be able to protect them in the future? And are they more likely to find somebody else to do their business with? That’s the thing with cybersecurity incidents — it starts to degrade trust a little bit, which makes it challenging for companies to overcome.”

That’s why cybercrime is actually much more prevalent than public reports would suggest, Bean said. “You’re not going hear about 95% of them. The CEO or CFO doesn’t want to let that story get outside their little circle of trust.

“Ransomware has always been much more prevalent than we knew about because companies were keeping it secret, unless it caused a significant outage, like a hospital or an entire town being taken down,” he added. “For every one of those, another 100 businesses were hit quietly, and they dealt with it, and they weren’t telling anyone because they didn’t want it reaching the world because of loss of credibility and fear of lawsuits — and a lot of cybercrime stayed under the radar.”

Bean emphasized that the classic, non-AI attacks that have been around for years are still prevalent — essentially, “they’re trying to get you to log in and do something.” But these have become more sophisticated and targeted as well.

“They’ll know that you placed an Amazon order — ‘there’s a problem with the delivery of your dog food; click here if you still want to receive this order.’ They use very sophisticated tools to scrape your cookies when you’re on websites, and they see that you’re browsing for dog food, they assume you placed the order, and they send a very targeted attack. That stuff is growing.”

Miller said Community Bank communicates regularly with customers on how they can avoid becoming victims, while also making sure employees know what to look for.

Tim Miller

Tim Miller

“If a customer knows that you’ve had a security incident or a breach, especially a significant one, how do they know their data is going to be protected going forward? How do they know that the company is ultimately going to be able to protect them in the future? And are they more likely to find somebody else to do their business with?”

“It’s important, from our perspective, to make sure everyone inside the company understands that cybersecurity risks are everyone’s responsibility. It’s not just my role,” he explained. “And it’s important for the folks in our branches to understand what these threats are because they are the frontline to customer interactions. And if they can relay some of the information to them, that’s obviously beneficial for all.”

That’s especially true at a time when threats are increasing. “I mean, the concept of deepfakes is very much here, and it’s not going anywhere. And that’s a concept that’s really challenging for people to grasp,” Miller went on, going back again to what he emphasizes internally, which is the importance of following established processes — for instance, when a possibly deepfaked company executive is asking for a wire transfer.

“It goes back to adhering to your processes and not necessarily going off of your emotion — because your emotion in that instance would be, ‘I want to satisfy the CFO by making this wire.’ But the reality is, you might have a verification step where you call the CFO back. These attacks have gotten so good that the whole ‘smell test’ piece may not work anymore. So you have to go back to certain things that you know will identify those risks.”

 

Strong Defense

Bean emphasized the importance of both training and testing employees, saying one without the other isn’t enough.

At the same time, however, “we’ve had to shift to almost accepting that there’s going to be a certain amount of successful phishing attacks. It’s like a war — you have to cede one line in the battle and retreat to a different position that you feel is more defensible.”

And that second position, in many cases, has been recognizing what a successful breach looks like — often using AI systems to monitor that — and locking it down before damage is done.

“Most commonly, they’re stealing Microsoft 365 or Google Workspace credentials. But the second they log into the system, there are certain hallmarks about how that’s going to look. The login is different in subtle ways; a login by a bad actor sends up suspicious flags. An AI system can evaluate that login, and if there’s anything remotely suspicious, a human can lock the account, send a report to us, and we take over the case from there.

“That’s definitely been a godsend. We’re seeing hackers getting through MFA [multi-factor authentication] or getting a password through phishing, but we’re catching them the instant they log in,” Bean went on, comparing it to having both external home security and motion sensors inside the house. “The police arrive before there’s any damage.”

He added that this is a war being fought on multiple fronts, and companies need to take it seriously, through training, testing, and perhaps an outside partner.

“If someone can get in, it can be anywhere from a couple hundred thousand dollars to a couple million, and most businesses don’t have that floating around. Some go out of business or face financial hardships that might not be covered by cyber insurance. It’s not something you can afford to underinvest in.”

Miller added that “a lot of companies, especially smaller companies, don’t have budgets to invest in the latest and greatest, and that’s fine. It’s more about, are you patching your systems? Are employees aware of newer threats? There’s a lot that companies can do.

“These are the basics of cybersecurity — which, honestly, is what protects you 99% of the time,” he added. “It’s doing the basics of being skeptical. That’s one of the keys with phishing and all these other types of fraudulent attempts — being skeptical about it.”

Commercial Real Estate Special Coverage

Pushing the Envelope

Michelle Grout at the ‘Odyssey’ installation at Tower Square Park

Michelle Grout at the ‘Odyssey’ installation at Tower Square Park, one of the BID’s attempts to “push the envelope” in efforts to promote Springfield and bring people to the city.

 

Michelle Grout says she’s still getting emails and texts and seeing posts on social media platforms regarding the head-turning art installation in Tower Square Park known as “Odyssey,” featuring three seven-foot-tall pigeons and a Campbell’s soup can.

Not as many as when it first appeared a month or so ago, but they’re still coming in, with most of them positive in nature and candid about how nice it is to have something new and different downtown.

Her favorite missive is from a family not living in Springfield — they didn’t say where they were from — that jumped on a new reason to come to the city.

“The very first day, we had a post on social media … a family said, ‘we hadn’t been downtown in three years, but when we saw this, we know we had to come downtown for lunch,’” said Grout, president of the Springfield Business Improvement District (BID), which brought “Odyssey” to the park with support from several member sponsors. “They went to Hot Table and sat under the pigeons and had lunch.

“It’s doing its job — it’s got people talking, and it’s bringing people downtown,” she said of the installation, adding that, for the BID, the project is perhaps the most visible manifestation of ongoing efforts to do things differently when it comes to promoting the downtown and bringing people there, which is, in a nutshell, the agency’s mission.

“If you want the same results, keep doing the same things,” she said. “We don’t want the same results; we really want to try to push the envelope and get people to start thinking about Springfield as a destination again. We want to give people a reason to come.”

“Odyssey” will be on display until Labor Day, she added, and there will be other efforts to spur talk and visits — everything from a planned new mural project to a grilled cheese and tomato soup day at “Odyssey.”

These efforts coincide with new developments downtown, a rise in the number of people living there, and optimism about what’s to come, said Grout, who grew up in the city and remembers taking the bus downtown as a kid and going to the Steiger’s that sat near where those pigeons now do.

“It’s a balance of live, work, and play — it can’t be all people who live here, it can’t be all people who work here, and you can’t solely rely on people who visit here.”

The project at 31 Elm St., conversion of the former hotel into 70 units of market-rate and workforce housing, has been a catalyst for more development, with new initiatives, such as replacement of the Roderick L. Ireland Courthouse — she contends that the new facility needs to be downtown — creating speculation and anticipation.

Meanwhile, the tenants at 31 Elm are making an economic impact, which generates more anticipation about other residential initiatives in the planning stages.

“There are people from that building that we see all the time in their new routines,” she explained. “They go to the farmers market, they get their coffee at Palazzo, they go to Nosh … they’re investing in their new home,” she explained. “That’s one thing that attracts someone to live in a downtown — they have these amenities; we just need to come up with the amenities. It’s a balance of live, work, and play — it can’t be all people who live here, it can’t be all people who work here, and you can’t solely rely on people who visit here.”

There are certainly challenges in the BID district, Grout said, adding that many office buildings have not fully recovered from the aftereffects of COVID on where people work. And some of these properties may now be better suited for housing, although retrofitting them will be expensive. Meanwhile, some properties require extensive investments to host any kind of tenant, given modern standards and changing needs, and the costs are, in many instances, prohibitive.

String lighting, as seen here on Worthington Street

String lighting, as seen here on Worthington Street, is one of many BID initiatives to beautify downtown Springfield.

But overall, there is energy, optimism, and movement to create that needed balance, she said, adding that it’s a different downtown than the one she grew up with, but one with many strong assets and great potential.

For this issue and its focus on commercial real estate, we talked with Grout about how the BID is getting more creative as it carries out its mission, and ever more diligent in its efforts to put the city’s best foot forward, whether it’s with flowers, string lights, or art in the park.

 

Optimistic View

The large windows in Grout’s office at 1319 Main St. face south and provide direct views of the MassMutual Center and its marquee.

“I can’t miss what’s going on; I have no excuse to say I didn’t know what’s happening,” she joked, adding that she doesn’t need this view to know what’s going on across Bruce Landon Way — or at any of the other downtown venues downtown.

In fact, it’s her job to know — or at least one small part of her job, one that she arrived at after spending several years in residential real estate and a decade at the BID. She started there as administrative assistant to Director Chris Russell, then Operations director, then interim director when Russell stepped down three years now, and now director.

She’s seen and been through quite a bit over her 12 years with the agency, including what she called the “ebb and flow” of the downtown, a global pandemic and its many impacts, and now, what she describes as a resurgence in development over the past several years.

That resurgence has taken many forms, is both public and private in nature, and has involved several different properties, including 31 Elm St.; ongoing efforts to redevelop the Clocktower Building and adjacent Colonial Block into more housing and ground-floor retail; ambitious work to revitalize several long-vacant or mostly vacant properties on Worthington Street in the city’s entertainment district; the new Convention Center Carpark and the adjoining space, which is being activated for events; renovation of Court Square; the new Hope for Youth & Families Arts Center; and more.

“These investments are very inspirational and, I’m sure all would agree, necessary,” said Grout, adding that these initiatives and others will bring more people and vibrancy to a downtown the BID serves in many different ways — specifically, 221 parcels across an area stretching from West Columbus Avenue to Chestnut Street (but also Mattoon Street and the Quadrangle), and from just south of State Street to the Arch.

These include what Grout called supplemental services beyond what the city provides to keep the downtown clean and safe — from beautification efforts and lighting to broad economic development initiatives.

Indeed, the BID was awarded a $100,000 grant from the state Executive Office of Economic Development to subsidize new businesses and fill vacant storefronts in the district, she explained, adding that 13 ventures took advantage of the program, earning grants ranging from $7,500 to $15,000.

The farmers’ market in Tower Square Park

The farmers’ market in Tower Square Park is another BID initiative to activate downtown spaces and bring people to the city.

The BID is also charged with marketing the downtown, an assignment that takes on many forms, from robust programming to a website that that includes a calendar of upcoming events, snapshots of downtown restaurants with links to their websites, and listings of hotels and attractions, including MGM Springfield, Riverfront Park, the Springfield Museums, and the Basketball Hall of Fame.

Meanwhile, with programming, the BID has moved away from outdoor concerts, she explained, and much more toward promoting venues that offer live music, from MGM Springfield to Theodores’ to the Student Prince.

“We’ve pivoted to more destination placement, complimentary support to what’s already happening to grow a broader audience for that,” she said, adding that the “Odyssey” installation falls squarely into the category of marketing and promotion, although it is certainly non-traditional in nature.

As she talked about how it arrived in Springfield, Grout said the Downtown Boston Alliance had worked with a Quebec-based company called EXMURO on its Winteractive, a winter arts exhibition, and introductions were made.

“We saw the success they had in bringing people back to their district for a unique and unexpected experience, and the impact it had,” she explained. “And we thought that, on a Springfield scale, we could find the right piece to do the same thing, and after a few months of consulting, we landed on this piece.”

“Odyssey” has been in display in several cities — it was in Quebec City last fall, for example — but this is its first appearance in the U.S. And, as Grout noted, it has garnered attention and generated talk, which was the goal.

“People would ask, ‘what’s it for, what’s it about?’” she told BusinessWest. “My answer is getting people talking — it’s given people another reason to come down, another block to walk, another sight to see.”

 

Art and Soul

And there will be more efforts like it — although certainly not exactly like it — to keep creating a buzz, said Grout, noting there will be other art installations in other locations.

Meanwhile, another of her primary goals is to build on existing collaborations with community partners and “work smarter, not harder,” as she put it.

“We want to build efficiencies within everyone’s initiatives,” she explained. “You see a lot of people working at the same thing; if they all work together, it would be more efficient.”

As an example, she cited the relationship between the BID and the MassMutual Center and its marketing team. The two entities started working more closely together two years ago, and since that commitment, both have seen dramatic increases in engagement and followers on social media platforms, with the BID’s rising 18% and the MassMutual Center’s 65%. This surge has coincided with an increase in acts and a schedule that attracts people of all ages, she noted.

Another collaborative effort involves the Springfield Cultural Council, said Grout, adding that the agencies are working on several different initiatives, including a new mural project now in the planning stages and dependent on grant funding, as well as Art on Market Street, a free drop-in art program for young people slated for Saturdays this summer.

The downtown farmers market, meanwhile, has become a Friday tradition in the city. Presented by Country Bank, it runs from June until the end of September and features several local vendors, live music, and family-friendly activities.

Then, there are ongoing efforts to make the downtown clean and safe, which play a huge role in its overall success.

“If it looks good, people feel good, and that makes them want to come back and not be afraid to walk another block, go to another place, and see another site,” she explained, adding that these efforts go well beyond watering plants and picking up trash. “It takes a village.”

Indeed, it does. And in the village of downtown Springfield, there is progress, anticipation, and, yes, talk. And not just about the three pigeons and a Campbell’s soup can.

 

Community Spotlight Special Coverage

Community Spotlight

Ray Berry at Pridelands on Mane Street, what he calls a spinoff of a winning concept from the days before COVID.

Ray Berry at Pridelands on Mane Street, what he calls a spinoff of a winning concept from the days before COVID.

Diana Szynal took the job as president of the Springfield Regional Chamber — and an office overlooking Tower Square Park — three years ago.

Back then, the city was still trying to shake off the effects of COVID, she said, with many workers at downtown businesses still spending considerable time working remotely.

They’re not all back five days a week, she stressed, but there is far more vibrancy in the downtown than when she started — and on many levels.

“More people are in their offices more days of the week, and this has helped create a lot of vitality downtown … I’m seeing a lot of energy there,” she said. “There are some new restaurants opening and new businesses coming in. There are a lot of people walking around and enjoying being downtown.”

And that sentiment certainly includes what Szynal can see out her window in Tower Square Park, which is home to a popular farmers market and, more recently, an attention-grabbing art installation called Odyssey — one of the Springfield Business Improvement District’s more creative (literally and figuratively) efforts to promote the downtown and bring people to it  — and a new outdoor event destination created by White Lion Brewing called Pridelands on Mane Street, which kicked off July 9.

Diana Szynal

Diana Szynal

“More people are in their offices more days of the week, and this has helped create a lot of vitality downtown … I’m seeing a lot of energy there. There are some new restaurants opening and new businesses coming in. There are a lot of people walking around and enjoying being downtown.”

Ray Berry, owner of White Lion, said the destination, created from three custom-designed shipping containers, offers a unique backdrop for planned weekly entertainment on Wednesday and Thursday evenings, but also for company outings, team socials, or casual get-togethers with friends and family.

“There are so many positive moving parts to engage and enjoy downtown,” he said. “We see Pridelands as another piece of the mosaic.”

This broad activation of Tower Square Park is just one of many storylines converging in the City of Homes. Others include:

• Progress to create more housing of all kinds, from market-rate apartments in the downtown to higher-end homes in different areas of the city (more on this later);

• The high-profile project to redevelop the Clocktower Building, Colonial Block, and two other adjoining properties into roughly 100 units of market-rate housing, as well as infrastructure improvements in that area, including a new parking garage;

• The transformation of the former CityStage into the Hope Center for the Arts, a state-of-the-art facility to designed to educate young people and perhaps inspire careers in the arts ;

• Ambitious work to revitalize the entertainment district through redevelopment of a block of buildings on Worthington Street, a project led by Raipher and Joseph Pellegrino in partnership with the city, detailed in the July 7 issue of BusinessWest;

• Continued discussion, and some anxiety, about the future of some downtown office buildings, which continue to struggle in this post-COVID era;

• Plans to replace the troubled Roderick L. Ireland Courthouse — the Massachusetts Division of Capital Asset Management and Maintenance has issued a request for proposals for a new site, preferably in the downtown; they’re due back in October — and speculation about what will done with the existing structure as well as adjacent properties in that area off State Street, including the former First Church;

An architect’s rendering of the planned improvements, including a new parking garage, in the South End, between State Street and Union Street.

An architect’s rendering of the planned improvements, including a new parking garage, in the South End, between State Street and Union Street.

• The continued success of the Springfield Thunderbirds, which will soon enter their 10th season and continue to set the bar higher with everything from ticket sales to marketing and social media content (see below

• Movement toward creation of a master plan for redevelopment of the Mason Square neighborhood and adjoining areas;

• Visible signs of progress in a massive project to reimagine the former Eastfield Mall as a retail center with a large residential component; and

• Future redevelopment of the former Massachusetts Career Development Institute property on Wilbraham Avenue. The site was demolished four years ago, and speculation continues about what will come next in an area that has seen strong residential growth.

Overall, housing remains one of the main focal points, said Tim Sheehan, the city’s chief Development officer, noting that that there is both urgent need for more housing and several ongoing initiatives to address that need. These include everything from the aforementioned South End project to redevelopment of the former Springfield School Department headquarters on State Street to plans to build high-end homes on the pre-tornado campus of Cathedral High School.

This residential growth reflects both strong need for more housing as well as greater interest in the city overall as a place to live and work, he went on, adding that work is taking place on many fronts to meet the needs of new (and old) residents, and make Springfield a true destination.

 

All That Jazz

Evan Plotkin, president and CEO of NAI Plotkin, has long been a cheerleader for Springfield and a prime mover when it comes to projects to promote the city and especially its downtown and cast them in a positive light. These include everything from mural projects to the Springfield Jazz & Roots Festival, which took place last week and was in its final planning stages as he talked with BusinessWest.

Plotkin said he sees a number of positive developments taking place in the city, including several in the office tower he co-owns, 1350 Main St., where a high school now resides on the top two floors. But it’s what he’s not seeing that has him concerned.

Springfield at a Glance

Year Incorporated: 1852
Population: 155,929
Area: 33.1 square miles
County: Hampden
Residential tax rate: $15.68
Commercial tax rate: $35.22
Median Household Income: $35,236
Median Family Income: $51,110
Type of government: Mayor, City Council
Largest Employers: Baystate Health, MassMutual Financial Group, Big Y Foods, MGM Springfield, Mercy Medical Center, Center for Human Development
* Latest information available

That list includes new businesses coming to the city and its downtown; instead, he said, there’s much more movement of existing businesses and restaurants, a game of musical chairs that doesn’t result in real growth, just a shift of vacancies from one building to another.

Something else he’s not seeing is consistent effort from the city to maintain landmarks like Stearns Square, which was revitalized several years ago, but sees its ornate fountain not in use the majority of the time.

“They invested in the hardscape and the landscape, and then they walked away,” he said of the city and its efforts at the park. “And this is a pattern; we put up plaques saying ‘we did this’ and ‘we did that’ and ‘here’s this brand new park,’ but the next year, they don’t mow the lawn and let the weeds grow back.”

Overall, more work is needed to maintain and preserve such treasures and to make the city a more desirable place to visit — and work in and live in, he went on, adding that he would like to see the city create a permanent stage downtown near Stearns Square (a temporary one was set up for the Jazz Fest) and make live music a prominent piece of the puzzle, as it was years ago.

Live music is just one of the components of Pridelands on Mane Street, a play on words that also represents what Berry called a “spinoff of a proven concept, pre-COVID.”

Elaborating, he said that, before the pandemic, White Lion created pop-up beer gardens at several sites around downtown. The last few years, though, it has concentrated these efforts in Tower Square Park, making use of retrofitted shipping containers.

Fast-forwarding, he explained that, with an ARPA grant from the city, White Lion was essentially tasked with reactivating the park, and it’s doing so in colorful styles, as in a shipping container wrapped (by East Longmeadow-based Go Graphix) with the White Lion logo.

“We knew, by way of our partnership with the Business Improvement District and other stakeholders, that the beer garden concept worked in years past, and pre-COVID showed that a container park concept resonates with our customer base,” Berry explained. “So we thought, why not bring the concept back, look to make it more permanent, and have it be a true destination right in the middle of the business district and the emerging arts district?”

Approaching 10th Season, T-Birds Have Matured as a Business

Nate Costa says that, when it comes to the Springfield Thunderbirds and prospects for continued growth, there isn’t room for much more.

Well … at least when it comes to ticket sales.

Indeed, capacity at the team’s home, the MassMutual Center, a.k.a. the Thunderdome, is 6,700. For the 2024-25 season, the T-Birds, an affiliate of the NHL’s St. Louis Blues, averaged 6,369 per game, up from 6,321 the prior season. So, there’s still room for improvement, and the team will doggedly pursue it. But, again, not much.

Nate Costa

Nate Costa

“We’re going to eventually, hopefully, run out of tickets to sell,” Costa, the team’s president, said with a laugh, noting that this is both a good problem to have — one many other teams in the American Hockey League would love to have — and one of many solid indicators of how far this team has come.

As it readies for its 10th season of operation, with various plans to mark that milestone, the Thunderbirds have established themselves as a solid franchise with an increasingly loyal fan base, as evidenced by those numbers above … and the fact that they were achieved with the parking garage next door to the arena unavailable for the past three seasons.

Which means that, while there’s not much room for growth in ticket sales, there’s still plenty of room when it comes to growing revenue through increases in ticket prices — the team still charges well below the league average — as well as merchandise sales and other avenues.

“Over the past five years, we’ve continued to see the maturation of our business,” Costa explained. “We’re continuing to fill the building, and now it’s looking at our margins; we’re 30th in the league out of 32 teams in ticket price. It’s been really good to get the bodies in the building and show the value, but now it’s up to us to start walking that ticket price up effectively and generating revenue on the margins.”

Looking back, Costa said 2024-25 was another solid season for the T-Birds. There was a playoff run, albeit not a deep one (the team lost in the first round), with 20 sellouts, and, as noted, continued improvement in ticket sales and other measures of success.

“Every Saturday in the second half of the season, we sold out,” he noted, adding that many other games approached capacity over the final three months.

Meanwhile, off the ice, the team earned several awards from the league, which is becoming an annual tradition.

Indeed, in addition to benchmark awards for ticket sales and corporate sales, the team was recognized as having the AHL Marketing Department of the Year and the Most Unique Social Media Content. (More awards were expected at the annual league meetings in South Carolina, which were taking place as this story went to press.)

The marketing and social media content awards help explain the continued improvement in group sales and overall ticket sales, said Costa, adding that, with the shorter playoff run, the team is already “well ahead and well out in front of next season” in terms of season ticket renewals, group sales, and other initiatives.

Indeed, the team continues to set the bar higher, he went on, adding that, with the parking garage now open, the space adjacent to it being activated — the team, working with the state, which controls the property, will look to create a Yawkey Way-like atmosphere on game nights — and an already stable fan base, there are expectations for continued growth.

As for ticket sales, the team’s success on the ice and with creating a fun, always changing fan experience, coupled with the relatively small capacity of 6,700, has created both demand and urgency, said Costa, adding that the team has grown season ticket sales past 1,600 and looks to surpass 1,700 for next season.

“When you have a base like that coming in for every game, and we had a really great year for groups — we did more than $1 million in group revenue for the first time ever in Springfield hockey history — that gives you a really good base to work from to fill the rest of the building,” he explained, adding that the full (and nearly full) houses create a raucous atmosphere not seen in some other buildings.

“In Hartford, the XL Center [now PeoplesBank Arena] seats 16,000 people; when you bring 6,000 out, it just doesn’t have that same feeling,” he said. “If you get 5,000 in our building, the place is rocking; it feels like it’s full. That’s an advantage for us.”

As for ticket revenues, the T-Birds’ average price is just over $20, with the league average north of $28, said Costa, adding that there is some leeway for increases, given those statistics, the value the team delivers, and the growing demand for the product.

“Since we started here, the big thing was just trying to show as much value as possible, with the promotions and themes we do on game nights … that’s really added to why people want to buy tickets,” he explained. “Now, with the scarcity of tickets, the ticket packages are much more valuable because people are trying to lock in their seats, knowing that they’re not going to get them waiting until a week before a game.

“It’s been really good to change that mentality, and we’ve re-educated the community as to how to get tickets and the best way to get them,” he went on. “Coming out of the gates, we focused on building the base and going after large numbers; then, once you get the large numbers in the building and you start to create some emergency with sellouts, you can start to walk up your ticket price. I think we’re there.”

Heading into their 10th year, the T-Birds are ‘there’ in many respects and looking to soar still higher in 2025-26.

—George O’Brien

Pridelands is one of many sources of greater vibrancy Szynal is seeing downtown, and at the chamber as well, which is based in Springfield but boasts members from across the region. She said membership is up — 419 was the latest count — amid efforts to both grow and diversify the membership through initiatives such as a revamped, more member-focused website and television commercials.

“We’re really trying to diversify our membership in every possible way, from diversification of the people that are part of the chamber to the businesses and types of businesses that join the chamber,” she explained. “We’re really trying to cast a wide net; the chamber is most effective if there’s a lot of different types of people and businesses that are part of it.”

Elaborating, she said the chamber has been working in many ways to “be more out there,” through those TV commercials, social media content, the new website, a deeper event schedule, and more.

 

Progress Report

While there are several visible signs of momentum in the city, perhaps the most notable is what would be considered the ‘housing market,’ Sheehan said.

That’s a broad term that covers everything from still-rising home prices — the city has seen one of the more dramatic such increases in the state — to development of new housing of all kinds, including new market-rate apartments downtown, but also upscale homes in several sections of the city, including East Forest Park, the Bicentennial Highway area, and perhaps the site of the former Sears at the Eastfield Mall, acquired by one residential developer.

“The demand is for new product,” he said, referring to both homes and rental units. “And that’s why we’re seeing so much new housing development coming in that includes homes at the higher end of the market.”

Meanwhile, interior demolition has commenced at the South End properties — the Colonial Block, the Clocktower Building, and others, said Sheehan, noting that McCaffery, the Chicago-based development company leading the project, is finalizing financing, which is expected to cost roughly $50 million. Transfer of the Springfield Redevelopment Authority properties to McCaffery is expected to take place early next year, with construction expected to begin soon thereafter.

As that project progresses, so too has a $30 million infrastructure improvement initiative, including a new parking garage at the corner of Stockbridge and Willow streets, for the area from State Street to Union Street, one designed to make it more responsive to the residential growth taking place there.

“There’s significant housing development that’s back there now, with Stockbridge Court being the largest one, but there’s also the Lofts on Park Street,” he explained, adding that the work includes new sidewalks, lighting, road repair, and improvements to the surface parking in that area, and will create stronger connections to Main Street. “This will lift up that entire area, not just for the new housing, but the housing that’s historically been there for quite some time.”

While Sheehan sees progress on many fronts, from housing to the Eastfield Mall to the county courthouse, there are areas of concern.

These include the property at 101 State St., owned by MGM Springfield. There is still scaffolding on the structure nearly seven years after the casino opened, he said, adding that redevelopment of the property is a key bullet point in the host community agreement, and lack of progress there has become a point of contention between the city and the casino operator.

“We have concerns about that not moving forward in a timely way,” he said, adding that another pain point is the lack of any apparent progress at the former Vibra Hospital site on State Street, now vacant for several years, a campus that includes the so-called ‘Isolation Hospital,’ which preservationists want to save from the wrecking ball.

Another concern is the property known as the Mardi Gras building because it was home to a now-closed gentleman’s club. The restaurant known as 350 Grill will be moving from that building to the site of the former Jackalope on Worthington Street, becoming a key part of the revitalization efforts there. And while that location will likely work out well for the restaurant, it leaves the Mardi Gras building vacant and with little talk of redevelopment.

“There hasn’t been much dialogue, but there has been discussion of doing housing there,” said Sheehan, adding that the upper floors hold the potential to house dozens of units. “And it would be an ideal site for housing because there’s plenty of parking at the site, and you’re close to Union Station.”

Meanwhile, several other properties downtown are largely vacant — he listed Harrison Place and adjoining structures along Main Street, but there are others scattered across the central business district — and with little movement toward redevelopment and the properties in serious need of investment in new infrastructure.

“These owners have held and held and held and not kept up with the requisite investments they should be making in these properties,” said Sheehan, adding that speculation that some properties might become part of the MGM complex, such as those now being converted to housing in the South End, kept those owners from investing in their holdings.

Sheehan said one possible reuse for some of these properties is housing, although conversion would likely be an expensive undertaking. The state has launched a new initiative called the Momentum Fund, a first-in-the-nation state revolving fund to support mixed-income housing production, and it recently announced its first financing commitment from the fund, $5 million for the Residences of East Milton, which will create 92 new mixed-income rental units in an underutilized commercial property in the town of Milton.

He noted that Springfield has several buildings that meet that description, and hopes projects will materialize that can take advantage of the Momentum Fund, adding that housing might be the best option for many commercial properties in and around the downtown.

“We’d like to have a little more momentum in Western Mass.,” he said, “a part of the state that needs more help with housing.”

Banking and Financial Services

Stick to the Plan

By Amanda Goewey

 

As many recent college, trade school, and high school graduates settle into new jobs, their pockets may be feeling a bit heavier with money from the first few paychecks. It can be tempting (and exciting) to spend this newfound money on summer fun, but young professionals should have a plan for these paychecks. Understanding the options for what you can and should do when the money starts flowing is a great place to start.

 

Make a Budget and Stick to It

Setting a budget is critical for young professionals who are often balancing myriad expenses, like school and car loans, rent and utility payments, entertainment, and more for the first time. A budget is a plan that helps track and manage expenses to keep spending within your limits and help build your savings.

Budgets are built on a simple equation: your income minus your expenses equals your monthly net. To be financially stable, your expenses must be less than your income — that’s how you know you’re living within your means. If your expenses are equal to your income, you will be living within your means, but you will have nothing left over for savings.

 

Amanda Goewey“Setting a budget is critical for young professionals who are often balancing myriad expenses, like school and car loans, rent and utility payments, entertainment, and more for the first time.”

 

Create an Emergency Fund

One account everyone should have, regardless of age or career stage, is an emergency fund for unexpected costs like vehicle and home repairs, medical bills, or vet bills, if you have a pet. It’s critical to consider this fund as a part of your overall monthly budget.

Setting a specific goal for an emergency fund will help determine a reasonable timeline for reaching it. For example, if your goal is to build a $2,000 emergency fund in one year, you’ll need to allocate about $167 per month to that fund. Being consistent in saving that amount every month is critical to achieving the goal. Consider setting up a direct deposit for the amount needed from your paycheck.

 

Pay Off High-interest Debt

High-interest debt is ever-changing alongside loan interest rates; it’s generally accepted that high-interest debt is anything above the student loan or mortgage rates. Those interest rates are assigned when you borrow or receive money in advance, also known as credit.

So, what should you do if you’re carrying this type of debt? While simply paying it off is the best answer, actually doing it isn’t quite that straightforward, but should be a top priority before setting savings goals. Having debt, especially high-interest debt, will lead to poor credit, which can create obstacles to achieving your financial goals.

One of the most straightforward ways to pay down high-interest debt is to carefully budget and track your expenses and limit non-essential spending. There are several budgeting apps that can help track all expenses from monthly bills to groceries, eating out, and even monthly streaming subscriptions. Review where you can cut spending and make a plan for paying down the debt.

 

Start Saving for Retirement

Believe it or not, it is never too early to start planning for retirement, and taking advantage of employer-sponsored retirement benefits is a great way to start. Many employers offer programs such as 401(k) plans and 403(b) plans. These accounts help reduce your current taxable income, are easy to contribute to through direct deposit, provide interest rates that support significant growth over time, and can be transferred from employer to employer, if and when you move on.

When it’s time to determine your contribution, a good rule of thumb is to contribute enough to ensure you receive your employer’s full matching contribution, if offered. If your employer does not offer a retirement benefit, consider starting an individual retirement account (IRA).

 

Bottom Line

Your banking institution can be a helpful resource in determining what option is best for you and your financial goals. For example, the NBT Bank Wealth Management team can help you determine contribution limits, how employer contributions work, what terms like ‘vesting’ mean, and who is actually directing investments within your plan.

Getting a new job and having a new source of income is exciting, but figuring out how to manage your money can be stressful. Spending money is easy, but doing it responsibly and within a budget takes a bit more effort. The good news is, there are many helpful resources, like your banking partner, that can help you assess your current financial situation and future goals and provide you with money skills and tools for long-term success.

And remember, if you suddenly find yourself with extra money, from a bonus, birthday gift, or tax return, use it as an opportunity to get ahead of your timeline and put a portion of it toward your debt or your savings — but be sure to set aside a little bit to celebrate your new gig!

 

Amanda Goewey is the Massachusetts market manager for NBT Bank. With more than 15 years of experience in banking, she is responsible for overseeing retail banking at NBT’s eight branches in Berkshire County.

Environment and Engineering

Combining Expertise

Karen Giuliano with an IV pole

Karen Giuliano with an IV pole

A nurse-engineer team at UMass Amherst has been honored with an ANA Innovation Award for inventing a new intravenous (IV) pole designed to improve the safety and ease of administering IV medications at the hospital bedside.

The American Nurses Assoc. Foundation and the American Nurses Enterprise announced the 2025 award winners earlier this year. The team — Karen Giuliano, nursing co-director of the Elaine Marieb Center for Nursing and Engineering Innovation; Jeannine Blake, assistant professor of Nursing; and Juan Jiménez, associate professor of Mechanical and Industrial Engineering and a Manning/IALS innovation fellow — won honorable mention in the 2025 Team Innovation Award category.

Preventable medication errors harm approximately 500,000 hospitalized patients in the U.S. each year. Many of these errors occur with the use of IV smart pumps, which require a very specific system setup to ensure the right amount of medication is delivered as ordered. When the setup is not followed, the IV smart pump can deliver too much or too little of the medication prescribed, even as the pump signals it is delivering the correct amount.

“By bringing together expertise from both nursing and engineering, we are breaking barriers and reimagining how technology can support nurses and improve patient care.”

By combining the engineering and fluid dynamics expertise of Jiménez with the clinical knowledge of critical care nurses Giuliano and Blake, this interdisciplinary team set out to develop an IV pole that simplifies and accelerates the setup and delivery of IV medications in hospitals when using an IV pump, ultimately reducing the occurrence of dangerous yet largely preventable medication errors. The idea stemmed from real-world clinical observations, which revealed that standard IV poles often make it more challenging and time-consuming for frontline nurses to achieve optimal IV infusion setups.

A patent is under review for this novel IV pole, which features an adjustable crossbar for hanging infusions. This innovative crossbar automatically maintains the required height differential between the IV pump and the medication container. Established by IV smart pump manufacturers, this differential helps ensure optimal fluid flow accuracy. The pole improves IV medication delivery efficiency while minimizing the need for manual adjustments.

“The work of Drs. Giuliano, Blake, and Jiménez, along with the Elaine Marieb Center, represents the future of healthcare innovation,” said Frank Sup, engineering co-director of the Elaine Marieb Center.

Giuliano, Jiménez, and Blake also received a 2022 Manning/IALS Innovation Award to support work on their new IV pole project. “By bringing together expertise from both nursing and engineering, we are breaking barriers and reimagining how technology can support nurses and improve patient care,” Giuliano said.

According to Jiménez, “this project is a perfect example of why engineering and nursing must work together to solve real-world healthcare challenges. Nurses bring first-hand clinical experience and deep knowledge of patient care, while engineers contribute technical expertise to design practical, effective solutions.”

The ANA Foundation’s Team Innovation Award celebrates interdisciplinary collaboration and ingenuity in addressing critical healthcare challenges. The winning teams exemplify these values by integrating engineering principles into nursing practice to develop cutting-edge healthcare solutions that enhance clinical outcomes and streamline nursing workflows. Their efforts have contributed to novel medical devices and improved patient safety protocols, according to the ANA Foundation.

The invention of the new IV pole is part of the Elaine Marieb Center for Nursing and Engineering Innovation’s active program of research on the safety and usability of IV smart pumps. Their research has focused on reducing infusion errors, optimizing alarm management, and enhancing usability to better support clinicians in high-pressure environments, such as the intensive care unit, where patients are typically receiving multiple IV drips at the same time.

Healthcare News Special Coverage

On the Front Lines of Care

Nurses, in many ways, are the backbone of the healthcare system, caring for patients in dozens of different types of settings, often during the most distressing moments of those patients’ lives. It’s challenging work for sure — but also gratifying work, as the six individuals profiled on the following pages can attest. For our annual salute to nurses, BusinessWest sat down with three veteran nurses and three just entering the field about why they got into nursing, what motivates them, especially during hard days, and what the impact of their work means to them.

 

Click on the names below to read their stories:

Joseph and Vincent Bartolucci

Joseph and Vincent Bartolucci

Identical Twins Double Down on the Passion They Bring to Nursing

 

Yirancis Rivera

Yirancis Rivera

She Serves as an Inspiration — in Any Language

 

Kim Larrier

Kim Larrier

Fascinated by the Mind, She Forged a Path in Psych Nursing

 

Dave DesLauriers

Dave DesLauriers

This Veteran Nurse Seeks a ‘Bridge’ into Emergency Management

 

Kara Lombardi

Kara Lombardi

As Assistant Nurse Manager, Her Role Is to Be a Support Person

 

Environment and Engineering Special Coverage

Meeting of the Minds

Cofab Design Partner Mike Stone

Cofab Design Partner Mike Stone

 

When Mike Stone looks around Holyoke — and some of the innovative companies that have set up shop there — he sees a city with several unique advantages.

“First of all, the cost of energy is low, which is great for companies with electrical-heavy processes. Then there’s the amount of available space,” said Stone, CEO of Cofab Design, a Holyoke-based studio that develops hardtech products (more on that term in a moment) and the strategies to produce them.

In addition, he noted, “there are about 60,000 students in the Pioneer Valley, plus an industrial workforce that’s been here for more than 150 years. That’s not to say it’s the same as it was 100 years ago or 150 years ago, but there are still a lot of precision manufacturers, and there is a manufacturing workforce base here.

“So you have folks that know how to scale processes and do manufacturing, and you have the sort of innovation coming from the Five Colleges, plus the Boston-New York corridor, and I just think we’re uniquely positioned here to be able to kind of leverage that and offer second-stage space.”

“It makes much more sense to grow a base here and have a little bit more room to stretch out and grow. So that’s the vision, and hopefully more companies will take note.”

HardTech Holyoke, the second event of its kind (the first took place in 2023), highlights some of the innovative companies that are growing in Holyoke. The gathering, held on June 18 at Open Square, brought attendees face to face with the minds behind growing companies like Clean Crop Technologies, which is developing new ways to remove contamination from seeds and foods; Sublime Systems, which is developing an innovative cement manufacturing process; Xenocs, which uses X-ray technology to analyze nanoscale materials; and florrent, a maker of supercapacitors for energy storage, to name a few.

As opposed to software, Stone said, hardtech refers to more physical technology. “It’s a wide net — it covers advanced manufacturing, clean tech and green tech, even things in the defense space, energy, food and ag tech. It’s sort of an amorphous term, but the throughline here is folks that are building physical things, which takes a different form of investment and attitude than building software or building other types of businesses.”

Dan White says Holyoke has been attractive to many innovative companies

Dan White says Holyoke has been attractive to many innovative companies, for reasons ranging from competitive utility rates to a supportive city government.

And Holyoke, located not far from major innovation centers but offering a lower cost of doing business with a host of amenities, is the ideal spot to grow a hardtech hub, he added.

“It’s hard to compete on innovation. There are people innovating here, but you can’t compete with Boston or New York in terms of density of schools, and we know the attraction the cities have,” Stone explained. “But for a Clean Crop, when you’re spending money in Cambridge or Somerville for a bigger space, it starts to be disadvantageous, and it makes much more sense to grow a base here and have a little bit more room to stretch out and grow. So that’s the vision, and hopefully more companies will take note.”

 

Selling a City

HardTech Holyoke was conceived in 2023 when FORGE, a nonproft that helps innovators with physical projects navigate the journey from prototype through to commercialization, teamed up with Cofab, Clean Crop, and the city of Holyoke on a gathering to celebrate the startups, engineers, researchers, manufacturers, and others building new physical products in and around the city.

“So we put an event together, and we expected 50 people to show up, but 100 people came, and there was a good buzz,” Stone recalled. “There was a good sense after the event that people found it a good place to connect and network with this community. So we’ve been trying to do it annually ever since.”

It actually took about a year and a half to get the second HardTech launched, but attendance topped the first, drawing about 150, as did the number of participating companies. “It’s a bigger format, and we have a bigger space here, and we’re really appreciative of the folks at Open Square who donated space for this,” he noted at the start of the June 18 event. “I’m kind of leaning into the exhibit theme — I like to think of this as an art gallery opening night for manufacturing companies.”

“I think we have a chance to re-industrialize in a grassroots way and build cool stuff while also building robust manufacturing jobs, which left Holyoke 40, 50 years ago.”

Inside that ‘gallery,’ along with the participating companies’ exhibit tables, were displays explaining what Holyoke brings to the table in several categories, including:

• Energy and water, including the lowest regional energy costs, a high percentage of renewable sources, access to power infrastructure through Holyoke Gas & Electric, and high water supply and wastewater treatment capacity for water-intensive processes;

• Space and location, including 1.5 million square feet of industrial space available in the city, local development resources, turnkey hardtech startup spaces, pre-zoned industrial parcels, access to I-90 and I-91 connecting to major cities, airport access, and regional rail and bus lines;

• Talent and workforce, including an existing manufacturing base, a rich higher-education ecosystem, technical training programs, and workforce supports like MassHire; and

• A number of other factors, from a strong local industrial supply chain to available pools of both public and private grant funding.

Alex Nichols says he and his two co-founders of florrent took advantage of some specialized equipment at UMass Amherst

Alex Nichols says he and his two co-founders of florrent took advantage of some specialized equipment at UMass Amherst for early prototyping, then decided to stay in the region.

“We want to pitch why we’re here, why some of these other companies are here, and just try to get that into a communicable message where other people can say, ‘oh, there’s something going on in Holyoke,’” Stone said. “We want to show why it’s a good place, specifically for hardtech companies that are past their startup stage and into their scale-up stage.”

Companies like Clean Crop.

“Right now, we’re focused on seed treatment and finding ways to reduce overall pesticide use, so we can displace a lot of existing tools and give growers the same yields or better,” co-founder Dan White said. “We found a really strong initial market in leafy greens. So we’ve got quite a lot of demand that we’re just growing into right now, but we’re on track to expand our facility here to full utilization by the end of this year. And then the next step will be establishing our first facility in California sometime next year.”

White said it’s gratifying to see HardTech Holyoke grow since its first inception.

“When I look across at these other companies, the same reasons that we came here are why I think a lot of other folks are coming as well. We have really competitive utility rates, particularly electricity. But also, the city government has been incredibly helpful, and the ecosystem partners like Cofab are a huge part of the story too.”

Alex Nichols is one of three founders of florrent, a Sunderland-based startup that took part in HardTech Holyoke. The company is developing a material innovation that enables performance improvement in supercapacitor technologies.

The founders, Nichols explained, are UMass Amherst alumni who wound up using specialized lab space on that campus after they graduated. “They have some very specific equipment that allowed us to do early prototyping. That really brought us to the region. We stayed, we hired a team out here, and we’re here to stay.”

 

One Company at a Time

Stone said growth toward making Holyoke a hardtech hub may be gradual, but every step is meaningful.

“It’s a small city, so one company moving to the city a year could be meaningful for workforce development, which I think is a big part of this,” he told BusinessWest. “I think we have a chance to re-industrialize in a grassroots way and build cool stuff while also building robust manufacturing jobs, which left Holyoke 40, 50 years ago.

“So I think it’s a unique opportunity to do social impact work and create good jobs and create workforce training programs, and have some fun building some really novel, groundbreaking technology and utilize the infrastructure that was started 150-plus years ago in Holyoke; we can have a little bit of a repurposing for some of these tech companies.”

A wave of cannabis companies started moving to Holyoke over the past five years, he noted, and for some of the same reasons.

“I think that crest has peaked. But I think, over the next five, 10, 20 years, there will be a lot of this hardtech stuff. I have my ear to the ground because of Cofab, and there’s been a sea change over the past three or four years where a lot of people are trying to build stuff like this. And we’re able to take advantage of that.”

Community Spotlight Special Coverage

Community Spotlight

Laurie Tierney, seen in front of Hotel on North

Laurie Tierney, seen in front of Hotel on North, describes Pittsfield as the “Brooklyn of the Berkshires,” which is meant as a compliment.

 

Laurie Tierney likes to refer to Pittsfield as the “Brooklyn of the Berkshires.”

By that, Tierney — co-owner, with her husband, David, of Hotel on North (as in North Street, downtown’s main drag) — implies there’s some grit when it comes to that region’s largest community. “We’re gritty, not necessarily pretty,” she said with a laugh.

But if one were to look closer and beyond the grit, they would see much more — in this case, culture, restaurants, some retail, and outdoor recreation, for starters, she told BusinessWest.

“I think Pittsfield is doing a great job of reinventing itself,” she said of the ongoing transformation from the days when its economy and overall vibrancy were dominated by one large employer, GE. “Barrington Stage and the Colonial Theatre have been a big part of that; we have a great arts community … we just need more people to get to know us.”

Rebecca Brien, managing director of Downtown Pittsfield Inc. (DPI), agreed, adding that a multi-faceted marketing campaign is being launched in an effort to prompt more people — especially locals, but also those from other area codes — to give Pittsfield a closer look.

It includes Hey Neighbor, a program awarding marketing grants to 10 businesses in downtown Pittsfield, with grantees receiving custom video ads before films at the Beacon Cinema and radio advertisements on WUPE/WEBC during that same time period.

In addition, the city’s two major theaters, Barrington Stage Company and the Colonial Theatre, have received what she calls “dinner-and-a-show” radio spots on NPR.

“This initiative aims to drive foot traffic, build community awareness, and showcase the diverse stories of Pittsfield’s small business community,” Brien said of Hey Neighbor, adding that the theater spots are designed to remind neighbors that the city offers world-class theater and attractive dinner options just a short drive away (more on this later).

“If it isn’t daily workforce that’s occupying the restaurants and coffee shops and visiting the businesses, then it needs to be residents that are doing it in the morning and the evening after work, or while working remotely.”

These promotional initiatives and broader efforts to bring people to the city comprise just one of many developing stories in this community of roughly 44,000 people. Others include:

• Ongoing efforts to create more housing of all kinds, but especially market-rate and affordable units. Several projects in various stages of progress will add more than 100 units, but 200 to 300 will be needed, Mayor Pete Marchetti said;

• The demolition and rebuild of historic Wahconah Park, with the goal of bringing collegiate league baseball back to Pittsfield;

• Early-stage work to gauge interest in forming a business improvement district in the downtown;

• Late feasibility-stage work to build a new elementary school, one that would merge two existing schools into one; and

• Several infrastructure projects, including work on North Street.

Housing remains a critical issue in the community, said those we spoke with — both to meet an urgent need for more options among workers, the elderly, and other constituencies, and to bring more vibrancy to a downtown still suffering from the side effects of COVID, especially the transition to remote work and hybrid schedules, which has reduced the level of business activity in the neighborhood.

Jonathan Butler, president and CEO of the regional economic development agency 1Berkshire, said there is no turning back the clock in this regard, leaving housing as the best option for commercial space in the downtown — and for providing the critical mass of people needed to support the wide range of hospitality-related businesses.

The Hey Neighbor campaign

The Hey Neighbor campaign is part of a broad effort to bring more attention to Pittsfield, its cultural attractions, and its eclectic mix of small businesses.

“If it isn’t daily workforce that’s occupying the restaurants and coffee shops and visiting the businesses, then it needs to be residents that are doing it in the morning and the evening after work, or while working remotely,” he explained. “They’re replacing those people who were formerly working in commercial spaces and buying their morning coffee and lunch.”

“In the spirit of post-pandemic urban planning, downtown Pittsfield, like a lot of other urban centers, has seen a shift away of commercial activity — we’re seeing employers shifting to more work-life balance models with remote working and hybrid office models,” he explained. “So we’re seeing some investments in housing, to meet the city’s needs and a much larger regional need.”

For this latest installment of its Community Spotlight series, BusinessWest turns its lens on the Brooklyn of the Berkshires and the many ongoing efforts to inspire people to look beyond the grit.

 

Staying Power

Hotel on North is marking its 10th anniversary this year, Tierney said, and there is much to commemorate.

Indeed, the boutique 45-room hotel — created out of buildings more than a century old that were once home to the menswear and sporting goods emporium Besse-Clarke — has become a cornerstone of an ongoing transformation of downtown Pittsfield, from the retail-heavy and business-focused days when GE’s transformer division was employing more than 10,000 people, into a more hospitality- and arts-dominated district where more people live than in decades past.

The hotel and the guests it draws from across the Northeast and beyond have inspired several new businesses, she said, listing Methuselah Bar & Lounge and an expansion of Steven Valenti’s men’s clothing store among them.

As for the hotel itself … well, Tierney said it shares its personality with the Berkshires (and Pittsfield itself), meaning an intriguing blend of the past and present, heritage and innovation.

She and David have traveled all around the world, and they’ve incorporated their experiences into Hotel on North, such as its revolving door, a concept borrowed from a hotel in Nashville.

Over the past decade, the hotel has become a big part of the changing scene in Pittsfield, a tight-knit community of hospitality, arts-related, and service businesses that support one another and, together, have become more of a destination in recent years rather than a place to drive through on the way to somewhere else.

Mayor Pete Marchetti

Mayor Pete Marchetti says that, while new housing units are coming online, there is more work to do to meet enormous need in the city.

But in many ways, it is still an unknown, or at least underappreciated, commodity, said Tierney, adding that there is a need for the city to understand and appreciate all that it has become — “it’s been the ugly stepsister for the surrounding towns for so long that I think that sometimes it doesn’t see itself as the engine that can and will” — and do more to put its best foot forward.

Brien said this need to promote all Pittsfield has to offer is at the heart of DPI’s Hey Neighbor campaign, funded through MassDevelopment’s Transformative Development Initiative, as well as the spots promoting not only the shows at Barrington Stage and the Colonial Theatre, but nearby restaurants in Pittsfield.

With the latter, the goal, through the spots on NPR, is to introduce (or reintroduce) Pittsfield to a broad audience across Western Mass.

“We have great tourism that obviously goes on in the Berkshires, but Pittsfield is kind of that forgotten space,” she explained, adding that, while most area residents will go Northampton for dinner and a show, most don’t fully appreciate that they can do the same in Pittsfield.

“Why aren’t those same individuals coming here?” she asked rhetorically, adding that the answer may well be a simple lack of awareness.

Meanwhile, Hey Neighbor will spotlight 10 downtown businesses through those aforementioned cinema and radio spots, said Brien, adding that the eclectic mix includes Hot Plate Brewing Co., Thistle ’n Thorn Floral, WANDER Berkshires, Otto’s Kitchen & Comfort, Methuselah, and Berkshire Nautilus.

“Together, they say, ‘come back downtown and see what’s new,’” she told BusinessWest, adding that a third piece to the broad marketing campaign involves $1,000 grants to three summer event series to promote their offerings:

• The Pitt, a Friday summer music series being spearheaded by Hot Plate Brewing Co.;

• Rhythmscape, which offers weekly dance lessons on Sundays. (like the Pitt, these take place in Dunham Mall, a public pedestrian walkway that has seen several aesthetic improvements over this past year); and

• Depot After Dark, which pairs Tito’s Mexican Bar & Grill and WANDER Berkshires, a new gathering space, adding late-night dance parties to the alleyway just outside their businesses. 

 

Developing Stories

Such efforts are expected to bring more momentum to a downtown that has seen healthy doses of that commodity in recent years, even as it continues to build back from the many types of disruption resulting from the pandemic.

Perhaps the biggest of these is the change in how and where work is done, said Butler, adding that, like all downtowns in the region, Pittsfield’s suffers from having fewer people going to work there everyday.

This trend, coupled with critical need, is fueling investments in housing downtown, he went on, adding that several projects are in various stages of development.

Pittsfield at a Glance

Year Incorporated: 1761
Population: 43,927
Area: 42.5 square miles
County: Berkshire
Residential Tax Rate: $17.94
Commercial Tax Rate: $37.96
Median Household Income: $35,655
Median family Income: $46,228
Type of Government: Mayor, City Council
Largest Employers: Berkshire Health Systems; General Dynamics; Petricca Industries Inc.; SABIC Innovative Plastics; Berkshire Bank
* Latest information available

These include renovation of the Wright Building, just a few doors down from Hotel on North, which represents an example of the shift from commercial to residential uses for downtown real estate. Butler said there are maybe a few hundred more people living downtown than a decade or more ago, and this growing population has helped support existing businesses and inspire new ones.

Meanwhile, this new housing is helping to meet soaring need across the city and the region, said Marchetti, a former Pittsfield Cooperative Bank executive and city councilor, who was elected mayor in November 2023.

He said the city is ready to cut the ribbon on some projects, including Terrace 592, redevelopment of the Wright Terrace apartments, which will bring online 41 units, most of them affordable, while others are in earlier stages.

Overall, there are perhaps another 150 to 200 units in early stage or predevelopment, Marchetti said, including redevelopment of the former Hibbard Elementary School, while Mill Town Capital has several projects in different locations across the city. These initiatives will make a dent in overall need, but more will be needed, he added.

“There’s a lot more work that we need to do, mostly because ours is an aging population,” he noted, adding that affordable options are needed if empty nesters want to continue living in the city.

Beyond housing, there are other issues facing the city, he went on, including the demolition and rebuilding of Wahconah Park, the city-owned landmark built in 1919, with work slated to begin next year.

The wooden grandstand, one of the few remaining in the U.S., was deemed unsafe, Marchetti said, and the park, listed on the National Register of Historic Places, has been closed for two years. Plans call for replacement of that grandstand but retention of other elements of the park, as well as creation of a historic walkway that will highlight the history of the park, which had a diamond oriented due west (it was constructed well before the advent of field lighting permitted night games), which resulted in brief suspensions of play at sunset so that the setting sun would not interfere with the batters’ view of the pitch.

The Pittsfield Suns, part of the Futures Collegiate Baseball League, played at the park before it was deemed unsafe, Marchetti noted, adding that the team could possibly return to Pittsfield — which would be yet another development blending past and future in this city in flux.

Healthcare News

As Assistant Nurse Manager, Her Role Is to Be a Support Person

Kara Lombardi

Kara Lombardi traces her interest in healthcare, and the nursing profession, to her father’s bladder cancer diagnosis and subsequent visits to the hospital.

“It was a pretty late stage, so he was going back and forth to Boston with my mom,” she recalled, noting that she was just 15 at the time. “Obviously, it was a hard time for everyone, especially him, and when I would go visit, I would notice that, whenever the nurses came in, he was able to smile and joke with them; they brightened up his day.

“He always talked about how great and wonderful the nurses were, how they lifted his spirits when he was in the hospital,” she went on. “So they made me realize that’s what I wanted to do for people — I wanted to help them through the toughest days that they were going through.”

Today, several years after graduating from the Elms College nursing program, working in a few different settings, earning a master’s degree in nursing education through an online program, and rising in the ranks to assistant nurse manager of the med-surg unit at Mercy Medical Center, Lombardi gets to do some of that.

“I like teaching — that’s why I got my degree in that as well — and I like having the opportunity to teach nurses to be the best they can be, give them confidence, and show them what they can achieve in their career.”

But mostly, she’s managing and training others as they enter the profession, gain experience, and help patients through their toughest days.

It’s a job, one she’s been in for six years now, that comes with many rewards and opportunities for her to continue learning and growing as a manager and educator; in fact, she teaches the med-surg clinical for Westfield State University.

Lombardi talked about her role at length with BusinessWest, touching on the many aspects of this work that she enjoys.

“We round on the patients and make sure they’re having good experiences,” she said while giving a quick job description. “And we’re always available to help the nurses on the floor with whatever they need. And with the new grads, we’ll help answer questions they might have. We’re their support person, and we’re always available for them.

“I like that I can not only help the nurses, but have interaction with the patients, make sure they’re having a good experience, and do anything I can to make their stay better,” she went on. “I like teaching — that’s why I got my degree in that as well — and I like having the opportunity to teach nurses to be the best they can be, give them confidence, and show them what they can achieve in their career.”

What those coming out of nursing school need most is support, she added, and she’s committed to providing it, in whatever form it takes.

“They need to know that they’re not alone, that they can always ask for help — I think that’s very important,” she explained. “They need to know their resources and understand that they’re not going to know everything when they come out of school. A lot of nursing is gaining experience on the job, so as long as they know when to ask for help and whom to ask for help, they’ll be all set.”

Lombardi quickly acknowledged that this ability to ask for help is certainly an acquired skill, something she helps young grads with as much as anything she might teach at the bedside.

“Some don’t want to ask for help, and we discourage that,” she told BusinessWest. “We always encourage people to ask for help, and that’s one of the things I always do; I always make sure, especially with the new grads, to round on them multiple times a shift, asking them if they need help, what I can do for them, and picking their brains a little bit.”

Lombardi said the role of the nurse manager takes on even more importance at a time when many veteran nurses are retiring, others are moving on to less stressful work — a byproduct, in many respects, of the COVID years — and fewer people are getting into the profession.

“A lot of people don’t want to work at the bedside anymore — they want those remote jobs, office jobs, or even the aesthetics industry, with Botox and all that … many new nurses want to get into that field,” she said. “So it’s harder to find good bedside nurses.”

As for her own career, she said would like to eventually move into education, rather than a management role at a facility like Mercy.

“That’s one of my favorite jobs — I like giving students good habits and teach them the way things should be,” she explained. “And I don’t hide what real life is like because I feel that nursing school, sometimes, doesn’t really give the full picture of what it’s really like at the bedside. So I make sure that they see real-life situations.

“Everything isn’t going to be sunshine and rainbows,” Lombardi went on. “Things are going to go wrong, and you’re going to make mistakes, and it’s important that, if you do make a mistake, you own up to it so that something really bad doesn’t happen. And you need to learn from your mistakes; you have to get through it and learn from your experiences.”

That’s just one lesson she tries to impart on young people as they move forward in the same profession she chose. She’s not at the bedside as much as she once was, but she’s still deeply committed to providing care and helping patients through the worst of times, just like those nurses did with her father.

Healthcare News

Dave DesLauriers

Dave DesLauriers

 

For Dave DesLauriers, like many others in the nursing profession, this is a second — or third — career.

His first two were in the broad realm of social work, helping individuals with issues ranging from housing and employment to domestic violence and substance abuse, in settings that included a homeless shelter and a Planned Parenthood office.

The shift to nursing came about, in part, due to chance and circumstance while he was looking to pursue a master’s degree in social work.

“I’m a person who believes that everything happens for a reason,” he said. “I was really struggling to get things matched up for the path to the master’s in social work, and I eventually decided to go over to Mount St. Mary’s College — I was living in New York at the time — and talk about their nursing program.”

He did just that, and within an hour, one of the sisters at the school had his plan mapped out for him. One of his first professors there, he said, was a “strict, matter-of-fact educator” who reminded him a lot of his mother, who worked as a nurse at Holyoke Hospital (now Holyoke Medical Center) for many years.

“I knew exactly at that moment that I was in the right place,” said DesLauriers, whose third career has been anything but static. Indeed, it has involved several time zones — with stints in New York, Hawaii, and then the Bay State — as well as settings, from Vassar Brothers Medical Center to Mercy Medical Center to the Massachusetts Veterans Home at Holyoke, and responsibilities, from emergency room nurse to his current role as RN coordinator for admissions at the Veterans Home.

And now, with a master’s degree in emergency management from the Massachusetts Maritime Academy (MMA), which he earned online nights and weekends, the door is open to new opportunities in that intriguing field.

Indeed, while the current political climate leaves funding the Federal Emergency Management Agency in limbo, there are certainly opportunities at the state level, said DesLauriers, noting that the Massachusetts Emergency Management Agency handles many different types of emergencies, from power outages to weather-related disasters. And he would like to bring a nurse’s perspective to the response to such calamities.

“I would like to bridge my nursing experience on the front lines back into my life,” he told BusinessWest, “and I would love to assist with emergency management and be on the front lines of disaster response, and handle emergency management from the perspective of a nurse.

“We have a lot of current emergency managers — firefighters, police officers, the National Guard, and professionals with a long career in emergency management,” he went on. “But not a lot of nurses, from what I can see.”

And Massachusetts — which is where he would prefer to stay for now — is vulnerable to many types of disasters, DesLauriers said, including flooding, tornadoes (as residents of this region certainly know, having lived through one in 2011), hurricanes, brushfires, a global pandemic, and what he calls infrastructure-related issues.

Elaborating, he said the state’s infrastructure, including bridges, dams, seawalls, and more, is aging and, in many cases, in dangerously poor condition. He knows this because he completed his capstone project for his degree at MMA on such facilities in this region — including the Goodnough Dike and Winsor Dam at the Quabbin Reservoir, the Hadley Falls Dam, the Memorial Bridge, and others — and the consequences in the event of failure.

“They’re aged beyond what would be considered reasonable,” he told BusinessWest. “The bridge that collapsed when the barge struck it [in Maryland] was built in 1970; we have bridges and infrastructure that’s from the early 1900s.

“For the capstone project, I was looking at the catastrophic loss and what could happen if — and it’s not if; it’s more like when — these structures do fail, and what options would exist to manage that,” he went on. “The options that were given include doing nothing, which is not a feasible option, and spending the money to repair them or replace them.

“If you walk the Memorial Bridge today, you can see through parts of it,” he continued, noting that the bridge was essentially reconstructed in the mid-’90s, but has greatly deteriorated since. Meanwhile, the bridges over the Cape Cod Canal, built in the 1930s, are in an equally disturbing, and dangerous, state.

If there is a disaster involving any of these structures, or one of several possible weather calamities, the state must be ready to respond, he said, adding that this response includes treatment of those who might be injured, physically or mentally, with a focus on the long term. He wants to be part of that and bring that perspective he gained from being on the front lines.

“It’s not just a short-term element; it’s a long-term commitment to making sure that the health of the population is committed to,” he said. “And that goes along with the long-term commitment to rebuilding and stabilizing after a disaster.”

It remains to be seen what the next chapter in DeLauriers’ journey will be, but his story clearly shows that nursing can be a second, or third, career, and it can inspire the pursuit of other opportunities as well.

Healthcare News

Kim Larrier

Kim Larrier

 

When Kim Larrier started her rotation at the VA Central Western Massachusetts Healthcare System in Leeds as a student in the nursing program at American International College, she had a pretty good idea what path her career might take.

By the time it was over, the die was cast.

“I was quite intrigued with how the mind works, and how medical issues can impact someone’s health,” she recalled. “On that rotation … to see people get better with their symptoms — I was quite fascinated with how medications impact and how they can help someone’s mental health.”

So, when it came time for her senior management rotation, instead of a medical floor, which most students prefer, Larrier chose the psych unit at Holyoke Medical Center (HMC). And more than 30 years later, she is still there, now serving as clinical coordinator of the M5 Adult Behavioral Health Unit.

When asked what she likes about work in this realm, she quickly replied, “everything.”

And what she likes most is seeing people get well.

“When they come in at their worst, and they feel like they have nothing to live for, and then, through groups, meeting with them, medication … it’s nice to see people get better,” she said, adding that the unit has a strong track record for success, one that drew the attention of a brigadier general at the VA hospital she worked with on her rotation, who sought insight from the team at HCC on how it might be more helpful to veterans, especially with regard to suicide prevention.

“When they come in at their worst, and they feel like they have nothing to live for, and then, through groups, meeting with them, medication … it’s nice to see people get better.”

“Suicidal feelings are sometimes just a temporary feeling,” she went on. “And my goal as a psychiatric nurse is to get them the treatment so they don’t feel that way.”

There have been some difficult times on M5 — COVID was a stern challenge, to say the least — and some very scary moments, including the time several years ago when a brain-injured and deaf patient threatened her with a large piece of glass from the door he shattered with a chair in his room.

“I’m trying to write on a piece of paper, ‘please stop doing that,’” Larrier recalled. “He’s yelling at me, and he’s got blood all over the glass … he’s pointing the glass at me and saying, ‘I’m a grown man, and I don’t need to be here; let me out of here.’

“That was very scary,” she went on, adding that the situation was resolved with the help of 11 staff members.

Meanwhile, she has treated patients who would later be charged with murder, but were just another patient when they arrived.

But these moments have been far outweighed by those opportunities to see patients get better — and to play a significant role in helping them get better.

HMC has 54 inpatient psychiatric beds across three units, one for seniors and two for younger individuals, noted Larrier, adding that M5 has 20 beds for those ages 16 and up. Individuals assigned to these beds arrive with issues and conditions ranging from homelessness to substance abuse problems; suicidal tendencies to unmanageable anxiety and depression. And, due to a statewide shortage of beds, patients come from across the Commonwealth.

The average length of stay is seven to 10 days, she went on, adding that most patients arrive first at the emergency room, where they are evaluated by the crisis team.

Those who are assigned to these floors work with a psychiatrist and a social worker, while group therapy focuses on coping skills, how to manage feelings, manage a panic attack or anxiety, and more.

But nurses play a critical role in these broader collaborative efforts; in addition to administering medication, they conduct mental health assessments each shift where they grade depression and anxiety.

“The mind can be tricky … it can trick people into feeling that it’s not worth living. When they’re so focused on killing themselves, their mind will play a trick on them and make them believe their kids would be better off without them, their spouse would be better off without them, or they’re not needed at work, that they don’t fit in this world,” said Larrier, adding that nurses play a lead role in collaborative efforts to help patients fight through such feelings.

Many of these patients return to the unit several times, she went on, noting that she and the other members of the team build a rapport with them and, more importantly, earn their trust.

“Many times, we’re asked to come down to the emergency room to help with a difficult patient that we know,” she told BusinessWest. “They may not take a medication from a nurse in the ER that they don’t know; however, if they call me and want me to talk with her, we’re more than happy to work with them.”

As she noted earlier, many of those who come to this unit do get better and go on to lead productive lives, and such success stories are among the many rewards from working in this realm. She cited the case of a woman who had become so depressed, she became catatonic.

“That means she sits, she stares, she doesn’t eat, she doesn’t talk,” she said, adding that, through shock treatments and other interventions, she was pulled out of this catatonic state.

That was one small victory among many for a nurse who has always been intrigued by the mind and decided long ago that this wouldn’t just be a fascination; it would become a career.

 

Healthcare News

She Serves as an Inspiration — in Any Language

Yirancis Rivera

Yirancis Rivera, center, at the nurse pinning at Westfield State University in May.

 

Yirancis Rivera came to Springfield from Puerto Rico when she was 7 years old.

She has many memories from her youth, but among those that stand out are visits to healthcare facilities, where she would serve as an interpreter for her mother — who didn’t speak any English — even though she was still learning the language herself and was basically relying on what she learned from watching TV shows.

“I still remember walking into a hospital with my mom for the first time … the unfamiliar sounds, the sea of English words I didn’t understand, and the weight of her trusting me to be her voice,” she recalled. “I was overwhelmed but determined.”

Remember those two words.

In many ways, they define a truly inspiring story of how Rivera overcame challenges, some long odds, and many occasions when she felt overwhelmed to graduate from Westfield State University’s nursing program and earn a job on N3, a med-surg unit at Cooley Dickinson Hospital (CDH) in Northampton; she’s due to start in early August.

“I still remember walking into a hospital with my mom for the first time … the unfamiliar sounds, the sea of English words I didn’t understand, and the weight of her trusting me to be her voice.”

Her story begins with that hospital visit with her mother, which planted a seed, if you will, and motivated Rivera to become much more than a mere translator.

“I wanted to be a nurse who could provide comfort and care, no matter what language someone speaks,” she told BusinessWest. “I developed a passion for helping others that is deeply personal. Learning medical terminology in English felt like learning a second language, and there were times when I doubted myself. But I kept going, driven by the knowledge that families like mine need nurses who truly understand them.

“I knew that I wanted to be someone my patients could look up to in the sense that they speak the same language as me,” she went on. “But I also saw that there weren’t many nurses who looked like me, and I wanted to be part of that change.”

Returning to her youth, Rivera recalled that, while she had the vision and drive to be a nurse — with some inspiration from her great grandmother, who served a tech in a maternity unit — she wasn’t at all sure if such a career was within reach, financially and otherwise. But she worked hard, earned scholarships that essentially left her debt-free after graduating, and was able to enroll at Westfield State.

She credits her professors at the school with helping her not only with the rugged course material, but also with overcoming doubts that she fit in and could make it in this field.

“I had such amazing people in my life to get me here — especially the people in the Westfield program; I don’t know if I would have made it this far without them,” she said. “The small nursing classes there allowed me to build close connections with professors who encouraged me and helped me grow.”

Rivera completed rotations at Baystate Noble Hospital, the Holyoke Senior Center, Mercy Medical Center, Baystate Pediatrics, Springfield Public Schools, Hampden County House of Corrections, and Holyoke Medical Center, where, coincidentally, she worked on the M5 Adult Behavioral Health Unit with charge nurse Kim Larrier (see related story on page 32).

She said she chose CDH to start her career for several reasons, especially because it offers an opportunity to serve her community and also “be a bridge for patients who might feel unseen or forgotten.”

As noted, she is expected to start early next month, and is currently taking part in the hospital’s nurse residency program, where recent graduates are paired with a preceptor, but also other recent graduates.

“They’re going through that transition with you,” she said of the jump from school to the workplace, adding that it’s good to have the opportunity to work beside people who are also getting started in the field.

And while she’s looking forward to the med-surg unit — “it’s an amazing place to start, especially as a new grad, because you get many different kinds of cases” — her goal is to work in the intensive care unit.

“As nurses, one of our main goals is to help people cope,” she explained. “But especially in an ICU, you have to learn how to critically think. I’d love to experience the challenge on that floor.”

While she’s just getting started in her career as a nurse, Rivera hopes her story can serve as an inspiration and that she can be a role model of sorts to others facing the many types of challenges she did.

“Nursing isn’t just a job for me … it’s a calling,” she explained. “As a bilingual, first-generation nurse, I want others from backgrounds like mine to know they belong in healthcare and can succeed. My journey wasn’t easy or typical, but it shaped me into a nurse.”

 

Healthcare News

Identical Twins Double Down on the Passion They Bring to Nursing

Joseph and Vincent Bartolucci

Joseph and Vincent Bartolucci say they’ve always enjoyed intentionally confusing people and assuming each other’s identity — starting in kindergarten.

Let’s call it an identical-twins thing.

“It was really fun, especially with our mom — I used to answer to ‘Vincent’ all the time,” Joe said. “She would always confuse us, whether it was calling for us across the house or seeing us in the room.”

And their mother, Michele, who they say possesses a healthy sense of humor, was never shy about joining in on the fun, to the point of using her eyeliner to draw a freckle on Joe’s right cheek to match the one on Vin’s, in an effort to further confuse their teachers and classmates. She would also dress them in identical outfits, making it still harder to tell them apart.

A penchant for fun is not the only thing the Bartolucci twins took from their mother. Another is a passion for helping others and, more specifically, the nursing profession.

Indeed, Michele Bartolucci has been a nurse at Mercy Medical Center in Springfield for more than 30 years, working in intermediate care and endoscopy, where she is now nurse manager.

“That’s her passion … she just loves the field; she just loves helping people,” Vin said. “She would always come home with stories, talking about how she would help her patients that day and how it made her feel. She had hard days, too, but she would always express that she just loved helping people.”

This sentiment rubbed off on the twins, who recently graduated from the nursing program at Holyoke Community College (HCC), where they were in most classes together and where they greatly confounded fellow students, professors, advisers, and even the photographer at commencement, who thought they were the same person.

“My mom would be working with the patients, and I saw how passionate she was and how awesome a nurse she was, and that was the moment when I said, ‘I can do this; I want to do this.”

And they are now both working at Baystate Medical Center as apprentice nurses, on separate units, which will certainly help both patients and co-workers, because these two are pretty much indistinguishable except for slightly different hairstyles, Vin’s freckle, and the different earring preferences. They even sound alike.

At Baystate, they are building on a family tradition of work in healthcare — their stepfather, Brett Hayes, is also a nurse at Mercy, and their sister, Lexie, who majored in public health at UMass Amherst, will be pursuing a nursing degree at HCC in the fall.

“I think maybe we influenced her,” said Vin, who, like Joe, recalls his mother taking the twins to work with her when she was on call — because she had no one to leave them with — and being inspired by what he saw and heard.

The Bartolucci brothers at their recent graduation at HCC.

The Bartolucci brothers at their recent graduation at HCC.

“We would sit in the recovery room,” he said. “My mom would be working with the patients, and I saw how passionate she was and how awesome a nurse she was, and that was the moment when I said, ‘I can do this; I want to do this.’”

Joe, who tells a similar story, said he started at Baystate, again as an apprentice, on a neurology unit.

“It was a challenging unit; it was a heavy unit, really sick patients with declines, lots of rapid responses and code blues on that floor,” he said, adding that he will soon move to a med-surg/telemetry unit at Baystate Medical Center.

As for Vin, he started as a patient care technician on a med-surg unit last August and is now a nurse apprentice on that floor. And, like his brother, mother, and stepfather, he enjoys all aspects of this work.

“The best thing is being the person that improves someone’s day or makes a person’s day better,” he explained. “A lot of the people that I see don’t really want to be in the hospital, so to make someone’s day a little better is the best feeling. And just to see someone smile or say ‘thank you’ is a really good feeling, and it makes you want to work harder.”

Joe concurred. “It’s a rewarding job, and it’s great to be able to make a difference in someone’s day,” he said, “even if that difference is making them feel a little cleaner or just talking with them and hearing about their concerns.”

Meanwhile, having a brother that he’s still living with, who’s also just starting his career and going through the same experiences, is a unique benefit, he went on.

“It’s really good to have someone to bounce things off,” Joe said. “Whether I have a good day or a bad day, I have someone to go to at the end of the shift and talk to about things.”

Joe and Vin don’t sound like they’re done having fun confusing people and assuming each other’s identity. But right now, they have more important things to do — like getting entrenched in careers they knew they were destined for while sitting in that recovery room on those days their mother was on call.

When it comes to bringing the requisite passion to their work, they’re doubling down — in all kinds of ways.

 

Where Are They Now?

Where Are They Now?

Elizabeth Staples today

Elizabeth Staples today

Elizabeth Staples was honored in the 40 Under Forty class of 2016

Elizabeth Staples was honored in the 40 Under Forty class of 2016

When Elizabeth Staples was named to BusinessWest’s 40 Under Forty class of 2016, she had been running her business, the Good Dog Spot, for almost a decade, based on one foundational idea: that canine daycare should be more than stowing dogs in kennels.

“On the East Coast, you mostly saw the warehouse style of boarding — put the dog in a cage and go away, which is kind of sad,” she explained back then. “But nationally, the trend was toward an off-leash play center, where people could feel good about leaving their dog and not feel guilty about it. That’s what we wanted to bring to this area.”

Fast-forward nine more years, and Staples is still evolving the idea of how best to serve dogs and their families.

“There’s been a shift in the industry that recognizes that dogs are parts of our family, and people want more than even just a place for them to go play all day,” she told BusinessWest during a visit earlier this month. “They want to make sure that their lives are full of enrichment, and every dog is a little different, so their needs might be a little bit different. So it’s not quite the same as throwing all the dogs into a big group for playtime anymore.”

She’s talking about the Enhanced Dog Daycare program, which goes beyond playtime and aims to create a balanced day that leaves a dog fulfilled, but not exhausted, through carefully tailored activities, personalized attention, and thoughtful socialization — all individualized for each guest.

From a single location in Chicopee starting in 2007, the Good Dog Spot expanded to a second site in Northampton in late 2016, and both locations offer daycare, boarding, grooming, and services like Spot’s Tots, which is a puppy socialization program that gets pups ready for the daycare environment.

“Every dog is a little different, so their needs might be a little bit different. So it’s not quite the same as throwing all the dogs into a big group for playtime anymore.”

“That young puppy period is a really influential time where you can set them up for some very positive experiences,” Staples noted.

In its first nine years, leading up to her 40 Under Forty recognition, the Good Dog Spot grew from one employee to 18, and boasts close to 40 now. In 2016, the business served about 30 dogs a day; now, on a busy day, each site may see 50 dogs checking in for daycare, 20 for boarding, and another 20 for grooming.

“We’re growing organically with the two locations. I guess the big-picture dream is that there would be a third location,” she said. “We currently rent both of our locations, and we’ve got great relationships with our landlords, but eventually owning a property we’re in would be a future goal for us as well.”

The COVID years posed challenges on multiple levels, starting with how to serve the public under strict state regulations.

“Daycare was still on the essential list, so we could open for daycare and grooming, but we couldn’t do boarding. And then it shifted, but the shifts were not necessarily communicated clearly,” Staples said.

“But we realized that grooming was the essential service. You’ve got elderly people that can’t take care of their dogs. You’ve got hygiene, fleas, ticks, and things like that that you want to make sure you’re taking care of,” she noted. “Then, when that got taken off of the essential list, we could only do one at a time. And you’re making clients unhappy because they’re like, ‘my dog’s there; can’t you just groom him anyway? But we couldn’t because we could get fined. So it really was complicated.”

The other change coming out of COVID was that workforce issues across a broad spectrum of industries were forcing wages up, and with a growing staff, the Good Dog Spot has had to respond in order to attract the best talent, hiring staff at $18 per hour and paying managers in the mid-20s.

“We had to stay ultra-competitive,” Staples said. “Minimum wage was going up anyway, but to get ahead of that curve was challenging because we needed to bring in quality people to take care of these pets. The increase in wages allows us to take good care of our staff and keep them happy, content, and safe. But it also allows us to do what’s great for the dogs, so it’s just been a win-win all around.”

Since their children were born, Staples’s husband, Cory, has handled much of the day-to-day operations of the Good Dog Spot. “Cory’s focused on the numbers, and I focus more on what’s really great for the dogs. And when the two mesh together well, that’s really great to see,” she said.

She is also proud of the business’ focus on continuing education and safety. Both Elizabeth and Cory are certified through the Professional Animal Care Certification Council, and they’ve been involved with an organization called Fear Free Pets, which offers training to help the staff recognize stress signals and other signs in an effort to work with animals in a positive way. Employees are also certified in first aid and CPR.

As for the continued growth over the past 18 years, Staples said having to keep up with demand — in terms of both staffing and evolving client offerings — has been challenging, but gratifying when she looks back at her humble beginnings. “It really does blow my mind sometimes.”

Building Trades

Things Are Heating Up

Owner Matthew Abelli

Owner Matthew Abelli

It had been a long few years for Matthew Abelli and his wife — years marked by job changes, a frustrating journey toward parenthood, and years of health issues that culminated with a tumor in his brain.

But Abelli has emerged from all that with a positive diagnosis, a healthy daughter, and his own growing business, Matt’s Pellet Stove Service.

He told BusinessWest about all of that, starting at the beginning — the very beginning, when he was being raised by a divorced mom whom he described as strong-willed and tough.

“She was very do-it-yourself, hands-on, and I picked up a lot of that with her,” he said, recalling how he once repaired a broken toaster for her with a screwdriver and a dose of youthful common sense. “She loves telling that story.”

After studying in the electrical program at Smith Vocational and Agricultural High School in Northampton, Abelli worked in — and was laid off from — an electrician job during the Great Recession, then found himself spending more than 10 years with an HVAC company, installing, servicing, and repairing pellet stoves, wood stoves, and gas appliances, eventually departing around 2017.

“But I kept doing it, whether it was for friends, family, odd jobs, refurbishing units — it’s a big passion of mine,” he noted.

“I was starting to get headaches at work — to the point where I’m like, ‘this is weird.’ You know how sometimes you stand up and your eyes take a second to adjust? Well, I’d do that, but it would take a minute to adjust. And then I would lose my peripheral vision sometimes.”

After a stint as a maintenance technician for Pride, which he found neither challenging or enjoyable, Abelli applied for and eventually secured a custodial job with Barnes Air National Guard Base in Westfield, which he supplemented by working a second maintenance job with Highland Valley Elder Services in Northampton.

And then COVID hit — and so did a major health scare.

“I was starting to get headaches at work — to the point where I’m like, ‘this is weird.’ You know how sometimes you stand up and your eyes take a second to adjust? Well, I’d do that, but it would take a minute to adjust. And then I would lose my peripheral vision sometimes.”

On his wife’s insistence, he got a CT scan that revealed a small blockage and buildup of spinal fluid. The surgery to repair it couldn’t be done locally, so he went to Tufts in Boston. Because of COVID restrictions, his wife couldn’t be with him, which was upsetting, but the surgery was a success — for the moment, anyway.

“When I came back, I felt like a million bucks because I didn’t have that pressure,” he recalled. “They said, ‘come back in a year.’”

The couple did, in January 2022, and an MRI revealed that the blockage seemed a lot larger — in fact, it had tripled in size and was now classified as a brain tumor. Because of the risks of surgery in that location, including blindness — it was very near the optic nerve — Abelli opted for powerful oral chemotherapy and radiation treatments that led to cranial swelling, which was treated with potent steroids.

On top of that stress, his wife, Jennifer, discovered she was pregnant, the culmination of years of trying. Amid all that, an HVAC position came up at the base, which Abelli had wanted. Weakened by his various treatments, he wound up interviewing with sunglasses on because light hurt his eyes.

He got the job, though he continued to struggle with the effects of chemotherapy, while his wife managed her pregnancy. Meanwhile, both were diagnosed with COVID at one point in 2022. But as the year drew to a close, the tumor was shrinking, and Jennifer gave birth to a healthy baby girl, Grace.

Matthew Abelli says he takes pride in keeping pellet stoves clean and safe.

Matthew Abelli says he takes pride in keeping pellet stoves clean and safe.

That’s a lot to experience in a short time. But Abelli was about to make another big change.

 

Home and Hearth

Specifically, he had never lost his passion for working with pellet stoves, and there came a time in 2023 — when Grace was about 6 months old — when Abelli decided he needed another source of income. So he started picking up cleaning and service jobs, and eventually registered Matt’s Pellet Stove Service as a business in 2024.

Today, he has built a clientele of about 200 regular customers, mainly by hustling for references, social media marketing (he has dozens of five-star reviews), and word of mouth.

“I would go to any place that had pellets. I had this whole spiel: ‘look, I’m factory trained, I can do this, I can do that. I’m not going to step on your toes, but if you have overflow or something you don’t service, I’ll take that on.’ Just anything to get my name out there as somebody doing this in the area. Because there aren’t a lot of people my age who do it. It’s a lot of older guys that are getting out of it.”

And that has created solid opportunity to grow. He works at Barnes on weekdays and devotes weekends to pellet stoves — during the busy winter season, he’s also servicing stoves after work during the week — and envisions a time, in the future, when the pellet stove operation becomes a full-time job, perhaps with a growing team of employees. But even then, he sees himself working in the field.

“I love doing the work, and I would always probably be a part of it, but there’s something comforting about having well-trained people to do the job while I do some of the logistics stuff. I think that would be ideal,” he told BusinessWest.

“My biggest thing is safety,” he added. “Anybody’s house I’m going into, I would hope that I would treat it like my own. I know that’s cliché to say, but it’s very true. And if I see something that somebody else did wrong, I’m going to tell the customer, and I’m going to do everything I can to fix it, to do it right. Because, at the end of the day, my name is on that.”

That commitment has been reflected by comments customers have left on town forums and online review sites, he said. And he’s become involved in the community in other ways, donating to local organizations both on his own and through volunteer efforts at Barnes.

Abelli’s footprint with the pellet stove business covers much of the southern part of the Pioneer Valley and into Connecticut, with Westfield being his busiest city.

He’s also encouraging young people to seek careers in the trades. Earlier this spring, he visited Putnam Vocational Technical Academy in Springfield and spoke with students in the HVAC department.

“I talked to them for about an hour and had a lot of good feedback,” he recalled. “I had kids come up to me at the end, saying, ‘I’d like to check that out.’ So that would be another pool to pick from if I needed a kid to help out.”

Like most trades these days, the career opportunities for young people are plentiful, he added. “Especially in this area, there’s enough work for everybody.”

 

Grace in the Journey

There’s certainly enough work for Abelli right now, and plenty of potential for growth ahead. He’s especially gratified with his current path having come off a lengthy, often painful health issue that has essentially resolved, and a long struggle for parenthood that culminated in an appropriately named child — because he and Jennifer feel like they’ve needed plenty of grace to get to this point.

“Sometimes you think it’s never going to end. That’s the hardest part. It’s the unknown,” he said of those struggles. “I always get a little emotional just talking about it. We’re not completely religious, but I feel like it was … something. Sometimes the timing just feels that way.”

Building Trades

The Camera Doesn’t Lie

Francis and Rocio George say their use of body cameras is unusual in the cleaning industry, and a strong selling point.

Francis and Rocio George say their use of body cameras is unusual in the cleaning industry, and a strong selling point.

 

It’s called time theft.

That’s a common problem in service industries, and it essentially refers to workers not spending the time they promised on a job.

Thanks to a proprietary technology called QCam, Skyview Cleaners is cutting down on wage theft — and creating the type of trust with clients that its owners, married couple Francis and Rocio George, believe sets their Springfield-based business apart.

“We’re actually incorporating technology into a legacy industry,” said Francis, who came out of the IT world and was looking for something different after an industry contraction back in 2022. “I have a couple of friends that used to be tech sales guys just like me. And all of a sudden, I see their LinkedIn update — one’s running a porta-potty company, one has a lawnmowing company. All they’re really doing is taking a legacy industry and making it more efficient with tech.”

In Skyview’s case, QCam is a body camera mounted to the worker’s belt when he or she visits a residential or commercial property on a contracted cleaning visit. This footage is shared with clients so they can see the work — and how long was spent completing it.

“In janitorial and cleaning, there aren’t very many tech-forward people, and that gave us a market opportunity,” Francis said. “We don’t consider ourselves in the cleaning business — we’re in the quality control business. And we needed some system to ensure quality.”

The second phase will be live-streaming jobs for clients, and the third will involve an AI assist to identify anomalies for someone watching several different feeds come in.

“For most clients, you’re doing the same thing week over week,” Francis explained. “So we can basically standardize some sort of a time metric, and an alert can go off to the internal quality control manager if the clean significantly diverts from that.”

Rocio said one of the main complaints from customers in the maintenance business is that cleaners don’t always do the job they promised.

“There is a gap in the industry. There is no quality control. We promise these things to the clients, but then, how do we make sure our employees do their job when no one is watching them?

“Right now, we’re just a janitorial company implementing a little bit of tech to differentiate ourselves and compete better, but I do have a vision for the future where this type of technology becomes commonplace.”

“That’s why we implement the QCam. If the client has any complaint at all, we invite them to look at the footage and see,” she went on. “It’s basically to ensure quality control. We also implement this only if the client gives us permission. It’s opt-in; we don’t just record the whole thing without our client’s permission. And we only share the videos with the client.”

Francis said he has not come across another cleaning company in the region that uses cameras like Skyview does, but that may not be the case in the future.

“Right now, we’re just a janitorial company implementing a little bit of tech to differentiate ourselves and compete better, but I do have a vision for the future where this type of technology becomes commonplace.”

 

Early Challenges

When the couple met five years ago, they were living in New York; Francis was working at tech startups, while Rocio, a native of Paraguay, was studying English. They moved to Western Mass. when she was accepted at Mount Holyoke College, where she studied psychology and recently earned her degree.

“I was working remotely, doing tech sales, so it was an easy move,” Francis recalled. But his career was derailed by industry contraction and, in his case, working for an enterprise that got put out of business by ChatGPT.

“It sucked at the time, but it became a cool story later on,” he said. But not without significant challenges.

First, he worked with a friend selling solar installations door-to-door, using his severance from the IT world and unemployment funds to get the commission-only solar business going. But it failed “catastrophically,” he said.

“When that blew up, we were looking down the barrel of a loaded gun — overdrawn bank account, no money, a baby on the way, rushing to get on EBT and cash assistance.”

That was only last year. Rocio was still studying full-time — and also, eventually, adjusting to life as a new mom — and didn’t have a work permit yet. “I was in the middle of my status being changed from international student to getting my green card, so I couldn’t work.”

It took an emotional toll, Francis said. “I was dealing with all of the shame that comes with being a failed provider, at least in my eyes, and she’s trying to pull me out of that. Meanwhile, she’s dealing with the sheer terror of her provider not being able to provide, so we were both trying to console each other.”

But they had an idea. Rocio’s brother was in the cleaning business in California, so Francis, after studying the potential of such an enterprise, started going door-to-door, picking up the first few commercial and residential clients in what would become Skyview Cleaning.

“The whole past year was just a journey of building up enough income to to get off EBT and cash assistance and all the stuff that kept us afloat. I’m pretty thankful we’re in a state like this where we had access to that stuff,” he said, adding that a microgrant through the Latino Economic Development Corp. in Springfield was a lifesaver, as was a significant contract with Wyckoff Country Club. “That really saved us during a questionable period.”

 

Looking Ahead

While they also clean residential properties, the couple’s main niche is small (6,000 square feet and under) commercial properties.

“That’s a healthy zone for sure,” Francis said. “With any large commercial and residential, it’s a pretty aggressive race to the bottom. You’re quickly getting to these razor-thin margins.

“We have significantly better margins, and part of the reason is because, with QCam, we’re minimizing risk,” he continued. “For small or medium-sized businesses who are going to drop a couple grand a month on cleaning, they can’t really risk that not being done. A restaurant owner can’t arrive in the morning and have three hours of cleaning work that wasn’t done.”

As noted earlier, he believes wearable tech like QCam will become more commonplace in a number of industries.

“I think cameras in public, with phones everywhere, have culturally engineered the acceptance of being filmed, just by virtue of going outside,” he noted. “I think this is going to be one of the industries that adopts what we’re doing now, especially as companies have to crack down on time theft.

“I mean, when you look at the stats, billions are lost in the U.S. alone because of time theft. And with corporate America tightening the belt, they’re really going to have to figure out how to recapture some of that and make sure employees are out there doing what they say they’re going to do.”

While the Georges work in the field alongside three employees, they envision a time when they can grow the client base and employee roster and take on much less of the physical work themselves. But for now, they’re happy with their early trajectory.

“We did have a really rough start — having a baby while I was still in school, when we didn’t have money,” Rocio said. “But I feel it’s a blessing that we went through all that because we get to appreciate what we have, and we get to work together and create something unique.”

It’s a lesson in resilience anyone can emulate, she added. “No matter how hard your situation is, if you really want to change your circumstances, you can do it. When we didn’t have money last year, it was really hard, and I would never want to go back to that time in my life, but here we are, stronger than ever. We’re visionaries, we’re entrepreneurs, and I’m really grateful for what we’re creating.”

Law

Changes in the Workplace

By Erica E. Flores, Esq.

 

Here in Massachusetts, we’ve gotten pretty accustomed to being known as a liberal bastion, a reliably blue populace governed by progressive icons like U.S. Sen. Elizabeth Warren and Gov. Maura Healey. Our laws reflect that ideology, including our many employment laws, which provide broad protections for workers on a wide array of topics, such as discrimination, harassment, retaliation, wage payments, family and medical leave, sick time, and others.

Federal law has never been nearly as protective of workers — for sure, the abysmal federal minimum wage ($7.25 per hour) has not been increased since 2009. But, still, it never really felt at odds with liberal values — just more moderate. Since President Trump took office for the second time, however, federal employment law has been changing at a breakneck pace, and not just via the president’s ever-growing stack of executive orders, but in the federal agencies and the federal courts as well.

Erica E. Flores“Employers here should start thinking about where their policies, programs, and practices are situated in the growing divide between Massachusetts’ liberal employment laws and the Trump administration’s new policies.”

“How does this affect me or my business?” you may be asking yourself. And it’s a fair question. Massachusetts businesses have to abide by the more employee-friendly Massachusetts laws, so a conservative shift in how federal employment laws are interpreted or enforced doesn’t really change employers’ obligations here. Right? Maybe not.

Under the U.S. Constitution, federal law is the supreme law of the land notwithstanding any state law to the contrary. This means that, when a state law conflicts with a federal law, the federal law trumps (no pun intended) the state law, which is rendered invalid and unenforceable. So, if a Massachusetts employment law were found to be in conflict with a federal law, the Massachusetts law would no longer govern. And conflicts are certainly brewing.

 

Executive Decisions

In January, President Trump signed a slew of executive orders, including two addressing “illegal” diversity, equity, and inclusion (DEI) and diversity, equity, inclusion, and accessibility (DEIA) initiatives, policies, and programs within the federal government and in place at federal contractors, federal grant recipients, and private employers who are subject to federal anti-discrimination laws.

A third executive order requires the federal government to recognize just two gender identities, male and female, as determined by the biological anatomy a person was born with, and to eliminate federal funding for gender-affirming care and the promotion of so-called “gender ideology.”

The latter also prohibits people who identify as transgender and other gender minorities from using single-sex spaces in federally funded facilities that do not conform with their biological sex, and directed the U.S. Attorney General to issue guidance that will “ensure the freedom to express the binary nature of sex and the right to single-sex spaces in workplaces and federally funded entities covered by the Civil Rights Act of 1964.”

The federal government responded swiftly to implement these orders. The acting chair of the Equal Employment Opportunity Commission (EEOC) stated that her priorities will include “rooting out unlawful DEI-motivated race and sex discrimination,” “protecting American workers from anti-American national origin discrimination,” and “defending the biological and binary reality of sex and related rights, including women’s rights to single-sex spaces at work.”

The EEOC and the Department of Justice (DOJ) also published technical assistance documents, offering guidance to employees who believe they have experienced discrimination related to DEI or DEIA programs at work. And the U.S. Deputy Attorney General announced the formation of the Civil Rights Fraud Initiative to investigate and pursue fraud claims against any recipient of federal funds that knowingly violates federal civil rights law.

The initiative will pursue its targets under the False Claims Act (FCA), a law that imposes civil liability on those who make a false statement to the government when seeking payment of government funds. The administration’s theory is that employers who accept federal funds while knowingly violating civil rights laws, or falsely certifying compliance with those laws, defrauds the federal government in violation of the FCA.

As an example, the deputy AG’s memo expressly states that a recipient of federal funding could be in violation of the FCA if it “allows men to intrude into women’s bathrooms.” The memo also encourages private citizens to report suspected DEI-related discrimination to the DOJ and to file their own FCA lawsuits against potential offenders in order to share in any monetary recovery. And the penalties can be steep. Under the FCA, violators are liable for treble damages (three times the government’s actual damages) as well as civil penalties.

 

Pending Appeals

Legal challenges to President Trump’s executive orders are pending, but most remain undecided. Earlier this year, a group of employers obtained a preliminary injunction that would have prevented the DEI/DEIA executive orders from taking effect while their lawsuit was pending, only to see that decision reversed on appeal, a strong indication that the challenge will ultimately fail.

Earlier this month, a federal judge in California blocked the Trump administration from enforcing both the DEI/DEIA executive orders and the executive order on gender identity, finding that the challengers in that case — a group of health centers, LGBTQ+ services groups, and the Gay Lesbian Bisexual Transgender Historical Society — had successfully demonstrated that the orders likely violate their constitutional rights.

But even if that decision is upheld on appeal, it would set the stage for a likely showdown in the U.S. Supreme Court, where a majority of the justices are considered to be conservative. In fact, the court recently ruled that a straight woman could not be required to satisfy a more demanding standard to prove that she was the victim of discrimination based on her sexual orientation than a gay person would have to satisfy, effectively eliminating the concept of so-called “reverse discrimination.”

The unanimous decision concluded that, “by establishing the same protections for every ‘individual’ — without regard to that individual’s membership in a minority or a majority group — Congress left no room for courts to impose special requirements on majority-group plaintiffs alone.”

Meanwhile, a federal judge in Texas recently dealt the LGBTQ+ community yet another blow when it vacated enforcement guidance that had been published by the EEOC last year under President Biden. The guidance in question contained information about workplace harassment based on gender identity, such as intentional misgendering and denial of access to restrooms that align with an employee’s gender identity.

The state of Texas and the Heritage Foundation brought a lawsuit against the EEOC, arguing that the EEOC did not have authority to require employers to accommodate employees’ gender identities in the workplace. A federal judge in Texas agreed, holding that the EEOC could not lawfully expand the definition of ‘sex’ under Title VII of the Civil Rights Act of 1964 to include ‘gender identity’ and ‘sexual orientation’ and that Title VII does not require employers to make accommodations related to employee pronouns, bathrooms, or attire.

Back in the Bay State

Massachusetts law, by contrast, expressly protects employees from discrimination on the basis of gender identity and sexual orientation, and both the Massachusetts Commission Against Discrimination and our state courts have long agreed that denying an employee access to the restroom that corresponds to their gender identity, refusing to respect an employee’s request to use their preferred pronouns, and harassing an employee for behaviors that are believed to be inconsistent with their biological sex are forms of prohibited discrimination in Massachusetts.

Additionally, a group of 15 state attorneys general, led by Massachusetts Attorney General Joy Campbell and Illinois Attorney General Kwame Raoul, published a joint memorandum in March emphasizing the difference between DEI/DEIA programs and so-called ‘affirmative action,’ criticizing President Trump’s executive orders for conflating the two, and opining that the federal government does not have the legal authority to prohibit “otherwise lawful activities in the private sector” or to “mandate the wholesale removal of [DEI/DEIA] policies and practices within private organizations, including those that receive federal contracts and grants.”

How all of this ultimately shakes out remains to be seen, but as conflict between federal employment laws and our state’s laws seems more and more likely, employers here should start thinking about where their policies, programs, and practices are situated in the growing divide between Massachusetts’ liberal employment laws and the Trump administration’s new policies.

 

Erica E. Flores is a partner at Skoler, Abbott & Presser, P.C.; (413) 737-4753; [email protected]

Law

High Stakes

By Scott Foster, Esq.

 

The Massachusetts House of Representatives recently unanimously adopted House Bill 4206 (HR4206), which would introduce fundamental changes in how the Massachusetts cannabis industry is regulated and managed. These changes include:

• A complete overhaul of the structure of the Cannabis Control Commission (CCC), moving from five full-time commissioners appointed by the governor, the attorney general, and the state treasurer to three commissioners in total, each of whom is appointed by the governor acting alone, with only the chair serving in a full-time capacity;

• Increasing the number of retail licenses under common control from three to six, potentially paving the way for increased consolidation in the market but also allowing early entrants to sell their business to multi-state operators and realize a significant gain on their investment of time and money;

• Legalizing CBD gummies, hemp-infused beverages, and other CBD edibles, while clearly controlling the manufacture, distribution, and sales of these products; and

• Opening the door a bit wider for employee stock ownership plans, which allow employees to potentially realize significant retirement benefits from long-term employment while also saving on taxes.

Two significant changes are also a bit ‘half-baked’ at the moment, and the Massachusetts Senate could provide more clarity on the implementation of these changes when it begins deliberations.

Currently, no individual or entity can own more than 10% of more than three licenses per category (e.g., retail, manufacturing, and cultivation). HR4206 appears to increase that threshold to 35% by exempting “any person or entity that possesses a financial interest in the form of equity in a license of less than 35%” from these license caps.

However, HR4206 leaves in place the definition of a ‘controlling person,’ which includes “any individual who has a financial or voting interest of 10% or greater.” Under the current regulations, an individual cannot be a controlling person over more than three licenses per category. The Senate has the opportunity to reconcile these seemingly contradictory provisions.

HR4206 also proposes a new delinquency reporting system that mirrors that which the Alcohol Beverages Control Commission has in place with respect to alcohol sales in the Commonwealth.

Going forward, no marijuana establishment will be able to offer credit terms to another marijuana establishment of more than 60 days from the delivery of products. If a purchasing establishment does not pay its invoice within these 60 days, the selling establishment is required to notify the CCC of this non-payment within three days, at which point the CCC reviews the situation and will post the name of the delinquent establishment on a newly created ‘delinquency report.’

At that point, no other selling establishment will be able to offer the delinquent establishment any credit terms, and all future purchases must be paid in advance or cash on delivery. Further, the CCC will not process any change of control applications for the delinquent establishment until the past due amounts have been settled.

While this may sound reasonable, the reality is that a large number — some believe a majority — of the current establishments have accounts payable over 60 days. Since HR4206 does not explicitly apply retroactively, these currently overdue accounts would not be considered delinquent.

This raises multiple issues regarding the future allocation of payments, such as whether a future payment applies to the oldest invoice or the most recent invoice, and whether the purchaser can specify to which invoice a future payment should be applied.

Hopefully, the Senate will consider the nuances of these significant changes and provide the necessary clarity before the bill is finalized. Either way, given the broad support already seen for overhauling the current statute, cannabis businesses (and their lawyers) should be on alert for a significant shift in how they operate.

 

Scott Foster is a partner at Bulkley Richardson in Springfield; (413) 272-6258; [email protected]

Law

Modern Leadership Through Coaching

By Derek Brown

 

“Ability is what you’re capable of doing. Motivation determines what you do. Attitude determines how well you do it.”

This quote from my Notre Dame football coach, Lou Holtz, has not only resonated with me through all aspects of my life, but it has guided me in coaching employees for success. Indeed, in playing for Coach Holtz in the late 1980s and winning a national championship with him, I learned quite a bit about leadership and accomplishing goals.

The following takeaways that I learned as a young adult are what I have implemented into my professional life. While the objectives of leadership — driving performance, fostering engagement, and cultivating growth — remain constant, the ways in which we motivate our teams have evolved with each generation. What inspired Baby Boomers may not resonate with Millennials or Gen Z. Understanding these generational shifts is key to effective leadership today.

Derek Brown“When leaders understand what their team members are capable of, they can align tasks and goals in ways that challenge without overwhelming. Coaching helps bridge the gap between raw potential and real-world performance.”

In today’s work environment, coaching employees is not just a leadership tactic — it’s a strategic imperative. Remote work has reshaped communication, and employee expectations have shifted toward development and purpose. Coach Holtz’s quote serves as a simple but powerful framework for effective coaching: leaders must recognize ability, fuel motivation, and shape attitudes to bring out the best in their teams.

 

Recognizing Ability: Know What Your People Can Do

The first step in coaching is understanding each employee’s strengths and capabilities. This means going beyond résumés and job descriptions to truly observe how individuals think, solve problems, and interact with others. When leaders understand what their team members are capable of, they can align tasks and goals in ways that challenge without overwhelming. Coaching helps bridge the gap between raw potential and real-world performance.

 

Inspiring Motivation: Help People See the Why

Motivation is deeply personal. What drives one employee may not matter to another. Effective coaches take time to learn what inspires their team — whether it’s growth opportunities, recognition, or a sense of purpose. By connecting everyday work to larger goals and company values, leaders can unlock intrinsic motivation. Motivated employees are more likely to take initiative, push past obstacles, and grow within the organization.

 

The Leader’s Role in Shaping Attitude

Attitude determines how work gets done. A coach’s role is to cultivate a culture where positivity, resilience, and accountability thrive. This involves addressing challenges by considering setbacks as chances for learning and demonstrating emotional intelligence. Leaders who coach with empathy and encouragement set the tone for how their teams respond to pressure, change, and collaboration.

 

From Feedback to Forward Momentum

Coaching isn’t about occasional feedback — it’s about ongoing dialogue. Regular check-ins, clear communication, and actionable suggestions create an environment where employees feel supported and empowered. Effective coaching helps people take ownership of their growth, rather than waiting for direction. It turns feedback into fuel for development.

 

Coaching in the Modern Workplace

Hybrid teams, technological shifts, and generational changes have made coaching even more essential. Today’s leaders must be more intentional about building connections and offering guidance, especially when face-to-face time is limited. Virtual coaching tools can help, but the foundation remains the same: genuine curiosity, active listening, and consistent support.

 

The Lasting Impact of a Great Coach

Coaching done well builds more than just stronger employees — it builds stronger people. When leaders take the time to develop ability, ignite motivation, and nurture the right attitude, they create lasting value for individuals and the organization. As Coach Holtz wisely reminds us, performance is not just about what you can do — it’s about how and why you do it.

 

Derek Brown is chief administrative officer at the Royal Law Firm, LLP and a retired, nine-year NFL veteran who also gives speeches on leadership and teamwork to accomplish goals. If you have any questions or would like to engage the Royal Law Firm for training sessions, contact Brown at (413) 586-2288 or [email protected]

Wealth Management

Maximum Impact

By Michael Orszulak

 

If giving is in your heart, charitable planning vehicles have likely been a topic of conversation with your advisor. There are a variety of options, and each has its own benefits, from tax advantages to grant control.

I advise using the following planned giving vehicles to maximize your impact on charitable causes and see your generosity go further. Consider these common charitable giving vehicles as part of your financial plan.

 

Private Foundation

A private foundation might be the most recognized charitable giving vehicle among wealthy donors. Having one is often seen as a sign of success. They can be funded with assets like cash, private equity, publicly traded securities, tangible assets, real estate, and intangible personal property. All foundations are required to distribute at least 5% of their assets to charities or qualifying individuals each year.

Private foundations can engage in philanthropic activities that are not available through other giving vehicles, including distributing donations to individuals. Donors have complete control over granting (as long as it is charitable in nature) and investment decisions.

A foundation can exist in perpetuity, creating an enduring family legacy, and the collaborative board structure encourages family engagement. Invite your family members to become board members or vote on where charitable funds are distributed. Depending on the level of involvement your family members want, you may be able to hire one of them to manage the foundation.

Michael Orszulak

Michael Orszulak

“Private foundations can engage in philanthropic activities that are not available through other giving vehicles, including distributing donations to individuals. Donors have complete control over granting (as long as it is charitable in nature) and investment decisions.”

Alternatively, you can hire a professional operating partner to oversee the administrative tasks associated with the foundation, as such tasks can become complex. Private foundations are a great solution for those who want to run their own charity, employ staff, and have greater flexibility in grant making.

 

Donor-advised Fund

A donor-advised fund (DAF) is like having a designated bank account for charitable giving. You can contribute to the DAF as often as you like, with cash, securities, or even other illiquid assets. You receive a tax deduction upon funding the account for the full fair market value, but don’t have to distribute the contributions until a later date.

DAFs are a popular choice because they offer great tax benefits and flexibility. The tax deduction for contributing cash can be up to 60% of adjusted gross income and 30% for long-term appreciated assets. (That compares to 30% and 20%, respectively, for a private foundation.) And you can involve your family in charitable giving through a DAF by requesting grant nominations from family members, like a private foundation, but without the formalities of board meetings and minutes.

There are no mandatory annual distributions, and you can even remain anonymous. DAFs also have less of an administrative burden than that of a private foundation; however, you are limited to disbursing funds to only qualifying charitable entities. If you want a simple solution with low costs and the potential to grow tax-free, a DAF might appeal.

 

Charitable Remainder Trust

A charitable remainder trust (CRT) is an ideal option if you’re interested in earning income over a period or for life while also contributing to a charity (or charities) of your choice. This irrevocable trust provides you or your beneficiaries with regular income. At the time of your death, the remaining assets are given to the designated charity.

You contribute assets to the trust and obtain a current-year personal income tax deduction, based on the estimated value set to go to charity. In the case of a charitable remainder annuity trust, you’ll get a fixed annuity amount every year for the term; for a charitable remainder unitrust, the annual distribution is a percentage of the trust, typically between 5% and 50%.

In most cases, a donor-advised fund can also be named the charitable beneficiary. A scenario that might lend itself well to a CRT is when you want a trust that can generate income for heirs or charities.

 

Charitable Lead Trust

A charitable lead trust (CLT) is an irrevocable trust that lets you donate money to charitable organizations for a specific period before giving the remaining assets to your family or other beneficiaries — essentially the reverse of a CRT. It’s an efficient way to transfer assets and can help reduce your taxes while making a positive impact through charitable giving.

You donate assets to the trust, choose one or more charitable organizations, and distribute regular donations to them from the trust. The assets that remain in the CLT upon its termination go to your family and are free of estate and gift taxes. Similar to a CRT, a CLT can benefit investors who wish to generate income for a cause.

 

Bottom Line

Incorporating charitable giving in your planning is a noble effort that allows you to leave a legacy of generosity and goodwill with your wealth. Speak to your advisor about your philanthropic goals to determine which charitable giving vehicle is best matched to help you achieve them.

 

Michael Orszulak is vice president of PeoplesWealth Advisory Group and senior wealth advisor with Raymond James Financial Services Inc.

Sources: foundationsource.com. Securities offered through Raymond James Financial Services Inc., member FINRA SIPC, and are not insured by bank insurance, the FDIC, or any other government agency, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risks, including the possible loss of principal. PeoplesWealth Advisory Group and PeoplesBank are not registered broker/dealers, and are independent of Raymond James Financial Services. Investment advisory services offered through Raymond James Financial Services Advisors Inc. Donors are urged to consult their attorneys, accountants, or tax advisors with respect to questions relating to the deductibility of various types of contributions to a donor-advised fund for federal and state tax purposes. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Please be aware that there may be substantial fees, charges, and costs associated with establishing a charitable trust. Every investor’s situation is unique, and you should consider your investment goals, risk tolerance, and time horizon before making any investment. The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Michael Orszulak and not necessarily those of Raymond James.

Building Trades Special Coverage

Golden Opportunity

From left, Heather Roy, marketing and communications specialist; D’Lynn Healey, project executive; Bryan Hughes, president; and Ed Ackley, general superintendent.

From left, Heather Roy, marketing and communications specialist; D’Lynn Healey, project executive; Bryan Hughes, president; and Ed Ackley, general superintendent.

Bryan Hughes says Western Builders has marked its 50th anniversary in several different ways — from a gathering of employees and their families at a local restaurant,to postings on social media celebrating both employee and company milestones, to a new, temporary logo marking the occasion.

And there’s more to come, with a larger gathering slated for September at the company’s Granby headquarters for employees, clients, subcontractors, and more.

But in many ways, it’s been business as usual for this construction firm, which is not the same thing as business as it was done in 1975, or even 2005.

“In decades past, business was generally done with a handshake,” said Hughes, who took over as company president in 2022. “And the new way of delivering a project is more managerial in a sense; when people come to Western, they’re paying for a partnership in solving problems, forecasting challenges, and addressing them.”

Creating more value for clients is just one of the focal points for Hughes and the leadership team at Western, a subsidiary of the O’Connell Companies.

“In decades past, business was generally done with a handshake. And the new way of delivering a project is more managerial in a sense; when people come to Western, they’re paying for a partnership in solving problems, forecasting challenges, and addressing them.”

Overall, the company is in a growth mode — let’s call it a controlled growth mode — fueled by several factors, but especially the region’s (and the state’s) housing crisis. Indeed, many of the firm’s current projects involve initiatives to address an extreme shortage of housing, especially within the affordable category. These include:

• Phase 2 of South Holyoke Homes, a modular construction project led by the Holyoke Housing Authority that features single-family homes and duplexes;

• Baskin West Main Residences, a 105-unit, mixed-income apartment complex being undertaken by Brisa Builders Development;

• Amethyst Brook Apartments, an affordable housing community in Pelham being undertaken by Home City Development; and

• An expansion of Clinical & Support Options’ Friends of the Homeless campus on Worthington Street in Springfield, a 23,974-square-foot facility that will provide critical shelter and supportive housing to individuals experiencing chronic homelessness.

Meanwhile, several projects completed recently involve housing — everything from East Gables, an affordable housing project on Northampton Road in Amherst undertaken in collaboration with Valley CDC, to Aspen Heights, a student housing apartment facility, also in Amherst.

The housing crunch is not a problem that will be solved quickly or easily, said Hughes, adding that this reality should provide ongoing growth opportunities for a firm that has made its mark in that arena.

“The way the crisis is described to us by local, state, and federal officials is that it will be a never-ending challenge to overcome,” he noted, adding that, as the Commonwealth and local agencies ranging from Way Finders to Home City Development address the crisis, Western will have opportunities to not only do more work in the 413, but expand its service radius as well.

Among the many projects in the Western Builders portfolio is renovation work at the Naismith Memorial Basketball Hall of Fame. (Photo by Red Skies Photography)

Among the many projects in the Western Builders portfolio is renovation work at the Naismith Memorial Basketball Hall of Fame. (Photo by Red Skies Photography)

“We definitely have a local edge, with local subcontracting partners and local relationships and clientele — that’s why we’re Western Builders, because we typically stay in Western Mass.,” Hughes explained. “But part of the future vision of the company is to push the limits there a little bit, because the housing crisis isn’t limited to Western Mass.

“Moving forward, we want to grow the company at a comfortable clip — we want to be able to sustain our methods and our confidence in ourselves,” he went on. “But I think we’re ready to take on more.”

Any firm marking 50 years has survived many kinds of challenges, and that’s true of Western as well, which has weathered downturns and a Great Recession, but also a pandemic and ongoing workforce issues, including the need to replace the many talented workers approaching, or already at, retirement age.

Like other firms, it is taking a proactive approach to the problem, as we’ll see, promoting the trades and getting young people involved early, giving them a taste of the work as well as the financial rewards and relative stability of the sector.

For this issue and its focus on the building trades, we’ll look at the first 50 years for Western Builders and what will likely come next at a time when some golden opportunities are emerging.

 

Firm Commitment

Tracing the history of the firm, D’Lynn Healy, project executive, said it was created by O’Connell to work with the company’s development group and also with local private colleges and development companies.

And from the beginning, diversity, in all its forms, has been perhaps the company’s strongest suit.

Indeed, while it’s perhaps best known for wood-frame construction — as seen in projects ranging from phase 1 of Glenmeadow in Longmeadow to transformation of the former Yankee Pedlar in Holyoke into a PeoplesBank branch; from River Mills Assisted Living in Chicopee to restoration of the historic Gaylord mansion on the Elms College campus — it has worked with stone and steel as well.

Indeed, the portfolio includes projects like Way Finders’ new home in downtown Springfield, the Educare early learning facility, also in Springfield, and renovation work on the Naismith Memorial Basketball Hall of Fame, including refurbishment of the sphere, which involved removing thousands of fiberglass panels and resurfacing them, but also extensive interior renovations.

The PeoplesBank branch in the former Yankee Pedlar in Holyoke. (Photos by Red Skies Photography)

The PeoplesBank branch in the former Yankee Pedlar in Holyoke. (Photos by Red Skies Photography)

Work in the Health Sciences building at American International College (right) showcase the diversity of projects in the Western Builders portfolio. (Photos by Red Skies Photography)

Work in the Health Sciences building at American International College (right) showcase the diversity of projects in the Western Builders portfolio. (Photos by Red Skies Photography)

Beyond diversity with materials, the company has worked in several sectors, including public and private clients, new construction as well as renovations, such as at Elms College, and different realms, everything from housing to the new Phoenix Academy Public Charter School at the Springfield Technology Park, to emergency renovations to the Courniotes Building at American International College (AIC) after a fire there.

“Our focus can remain in housing, but we want to emphasize diversity,” Hughes said. “We’ve won some hard-bid projects for public work, which has helped us diversify in our project types. We’re back at some institutions, like AIC and Smith College, building on existing relationships.”

Signature projects over the past five decades, and there are many, include work with O’Connell Development to build a new 152,000-square-foot, LEED-certified manufacturing facility and corporate headquarters for L3Harris Integrated Mission Systems/KEO, formerly Kollmorgen, at the site of the former Northampton State Hospital; the Educare facility, considered state-of-the-art in that sector; the work at the Hall of Fame; the new Girls Inc. headquarters in Holyoke, located, ironically, in the former home of the O’Connell Companies; and the Holyoke Crossing retail facility in Holyoke, another project where O’Connell Development was the client.

Today, Western is doing far less for O’Connell and much more with a growing list of clients, many of them involved with housing, including Way Finders, Valley CDC, Home City Development, and others.

A common denominator is repeat business, said Healey, adding that clients such as Way Finders, American International College, PeoplesBank, and others have turned to Western for several different undertakings.

“A lot of clients are repeat clients that we’ve worked with,” she explained, adding that one of the firm’s strengths is relationship building. “When these clients have another project, they reach out to us.”

And much of this repeat business stems from the firm’s ability to create value and effectively manage projects, as Hughes mentioned earlier.

“It used to be … construction was definitely a ‘work-harder industry,’” Healey explained. “Now, we’ve finally acquiesced and realized that we have to work smarter and not just harder. You have to be strategic, and you have to plan — you have to make sure that you have everything lined up before you start working.”

 

Building Relationships

As noted earlier, housing has become a major focal point for Western over the past few decades as need grows and agencies take imaginative steps to address it. And the company has several projects in this realm in various stages of development.

Amethyst Brook should be fully occupied by the end of this month; the projects in Chicopee (Baskin West Main Residences) and Springfield (expansion of the Friends of the Homeless complex) are in early-stage work, while the Holyoke initiative is moving toward completion, with the Holyoke Housing Authority now running commercials urging people to enter the lottery to purchase those homes.

That Holyoke project represents a first — working with modular construction, said Hughes, adding that it has been a learning experience.

“Boxes are prefabricated in Pennsylvania and shipped to Holyoke and put together as side-by-side townhomes,” he explained, adding that the process significantly streamlines the timeline for construction.

“It’s nice to see an emphasis on the trades. You see commercials about it, you hear the unions talk about it, the non-unions talk about it … anyone in the trades can be, if they want to apply themselves, as successful as someone who wound up with a giant college loan that they have to pay back and may or may not be able to work in the field they trained for.”

Meanwhile, many initiatives, including one of the buildings at Amethyst Brook as well as East Gables in Amherst, involve what’s known as passive housing, a voluntary standard for energy efficiency in a building that has surpassed LEED as the cutting edge in that realm.

“There are more passive houses in development and pre-construction because that’s the popular trend moving forward with energy efficiency and sustainability, which is what clients want,” Hughes said. “But there’s also a code aspect — client developers need to meet the Massachusetts Stretch Energy Code, which is one of the most stringent in the country.”

Beyond housing and the growth opportunities it presents, the company has been focused on relationship building — continuing long-standing partnerships and forging new ones — and also on perhaps the biggest issue facing this sector — maintaining a workforce.

Indeed, since arriving at Western, Hughes said one of his priorities has been to generate interest in the field among the younger generations.

He cited several initiatives, including work with Dean Tech High School in Holyoke, hiring co-op students to work for the company part-time at job sites while also attending school.

“It’s been cool to see that youthful excitement about construction,” he said, adding that, by exposing young people early to the lifestyle and opportunities the trades create, the firm is helping to put more future workers into the pipeline.

Ed Ackley, the company’s long-time general superintendent, agreed.

“The workforce is aging, and it’s retiring out,” he said. “So one of things we’ve been doing is trying to attract young people as project managers and assistant superintendents in hopes that they can gain experience, so by the time they become a super, they’re as effective as the seasoned personnel we have now.

“It’s nice to see an emphasis on the trades,” Ackley went on. “You see commercials about it, you hear the unions talk about it, the non-unions talk about it … anyone in the trades can be, if they want to apply themselves, as successful as someone who wound up with a giant college loan that they have to pay back and may or may not be able to work in the field they trained for.”

And, unlike jobs in many other fields that face uncertain futures with advancing technology, including AI, those in the trades are relatively secure, Hughes told BusinessWest. “You can’t ask ChatGPT to build a masonry wall.”

 

Law Special Coverage

Protecting Your Assets 

By Tyler W. Humphrey, Esq.

Protecting your assets is not just a matter of securing wealth for the next generation. It also ensures that your hard-earned assets are shielded from legal risks, liabilities, and other unforeseen events.

In a world where lawsuits, creditors, and volatile economic shifts can threaten your wealth, proactive asset protection is essential. Whether you’re a business owner, investor, professional, or simply someone looking to secure your family’s future, protecting your assets isn’t just wise, it’s necessary.

While there is no one-size-fits-all solution to protect your assets, this article can help you formulate a plan utilizing a combination of strategies, including estate planning and business solutions, that can offer substantial protection of what you and your family have worked so hard to build.

 

Understanding Asset Protection

Before exploring the specific tools available, it is important to understand what asset protection is and why it is so important. Asset protection involves using strategies and structures established through various legal instruments to reduce or mitigate the risk of losing valuable assets due to lawsuits, debts, or other liabilities.

Some common risks include:

Creditors. In the case of default on loans or other debts, creditors may seize personal or business assets to recover what is owed. Even loans secured by a specific asset, such as real property subject to a mortgage, may put your other assets at risk if the sale of the secured asset is insufficient to satisfy the debt.

Lawsuits. Individuals and businesses can be the targets of lawsuits and other claims. Regardless of whether the plaintiff’s claims are valid or frivolous, an adverse judgment may expose assets to liens or seizure.

Divorce. In the case of divorce, the resolution of the petition will often require, sometimes by court order, the equitable division of marital assets. This can include assets acquired by one party before the start of the relationship.

Governmental risk. Long-term care, especially nursing home care, can come with a substantial cost. Many people assume Medicare will cover these expenses, but Medicare does not pay for long-term custodial care. That’s where Medicaid (MassHealth) comes in. However, qualifying for coverage comes with strict income and asset limits. In Massachusetts, a single applicant is allowed to keep only $2,000 in countable assets, and those assets are subject to a five-year look-back period.

“Trusts are among the most powerful tools in estate and asset protection planning. A trust is a legal arrangement where a trustee holds and manages assets on behalf of a beneficiary.”

 

Estate Planning and Trusts: Building a Legal Wall Around Your Wealth

Trusts are among the most powerful tools in estate and asset protection planning. A trust is a legal arrangement where a trustee holds and manages assets on behalf of a beneficiary. There are many types of trusts, each with their own benefits and limitations:

Revocable living trusts. Their primary use is estate planning and probate avoidance. It offers limited asset protection during your lifetime because you maintain control, but it ensures privacy and smoother transfer of assets upon death.

Irrevocable trusts. Their primary use is asset protection and tax planning. Once assets are transferred, you relinquish control, making them inaccessible to creditors. Common types include spousal lifetime access trusts, which offer access to assets through a spouse while maintaining protection, and Medicaid trusts, which protect assets from being counted for Medicaid eligibility.

Credit shelter and QTIP trusts. For married couples, particularly those with estates approaching or exceeding $2 million, credit shelter trusts and QTIP trusts can minimize taxes while protecting surviving spouses. Their primary use is to preserve the estate tax exemption of the first spouse to die and provide support to the surviving spouse. They offer no asset protection during your lifetime because you maintain control, but they preserve both spouses’ estate tax exemptions and protects assets from remarriage, creditors, and spend-down.

Other estate planning essentials include:

• Durable power of attorney, which empowers a trusted person of your choosing to manage finances if you become incapacitated;

• Healthcare proxy and living will, which clarifies medical wishes and avoids court intervention; and

• Homestead declaration (in Massachusetts), which protects up to $1 million in home equity in your primary residence from creditors.

 

Corporate Entities: Separating Personal and Business Liabilities

In addition to an estate plan to protect your personal assets, it is necessary to consider how to protect and preserve your business assets. Operating your business or managing investments through the right entity can provide a crucial layer of protection.

For business owners and real estate investors, placing assets in separate LLCs or entities can shield personal wealth from business liabilities. It is also important to consider agreements between co-owners of a closely held company so that the business interests themselves are not subject to claims by non-owners.

Limited liability companies (LLCs) shield personal assets from business liabilities and offer flexible taxation, as they can be taxed as a sole proprietorship, partnership, or corporation.

Corporations (C-corps and S-corps) protect shareholders from corporate debts and obligations, while S-corps have the advantage of pass-through taxation with liability protection.

 

Combining Strategies for Maximum Protection

The most effective asset protection plans layer several strategies. For instance, a business owner might:

• Hold rental properties in separate LLCs;

• Utilize a shareholder agreement to ensure all corporate interests are free from seizure and stay within the current ownership group; and

• Establish a credit shelter and QTIP trust to minimize estate tax and protect assets for their surviving spouse.

 

Bottom Line

Asset protection is most effective when implemented early, well before a problem or disagreement arises. By combining these tools, you can create a robust defense against risks while maintaining control or flexibility.

Asset protection isn’t about hiding wealth; it’s about responsibly managing risk and preserving what you’ve built. With the right combination of trusts, business agreements, insurance, and estate planning tools, you can create a legal and financial structure that defends your assets against potential threats while supporting your long-term goals.

Consult with one of Bacon Wilson’s qualified estate planning or commercial attorneys to tailor a strategy that fits your specific situation and goals. Even if you have a plan in place, it is crucial to review your plan regularly to ensure it remains in compliance with constantly changing laws and regulations. Asset protection may seem daunting, but with the right advisor and proper planning, you can enjoy peace of mind knowing your legacy is secure.

 

Tyler W. Humphrey is an associate with the law firm Bacon Wilson, P.C. He concentrates his practice in the areas of estate planning, elder law, probate administration, and business and corporate law. Humphrey is admitted in Massachusetts and Connecticut, as well as the U.S. District Court of Connecticut; (413) 781-0560;
[email protected]

Special Coverage Wealth Management

Bumps in the Road

Pat Grenier says investors worried about market volatility shouldn’t panic, but instead seek competent advice.

 

Early April was an anxious time for many investors, but not a surprising one for the advisors they rely on.

“We prepped for a volatile market this year,” said Pat Grenier, owner and principal at Grenier Financial Advisors in Springfield. “We thought the market was high. We thought there would be a pullback. We didn’t expect the amount of volatility that we had, but we did expect a little bit of a pullback.”

The early months of the Trump administration have impacted the markets in a number of ways, particularly with an aggressive series of tariff decisions — some in force, some only threatened as negotiating tools — that have triggered fluctuations in the stock market and plenty of client phone calls to investment firms. But Grenier isn’t overly concerned, especially as things are calmer now.

“To me, this is more of an event-driven gyration. Even though we did expect some pullback, I think a lot has to do with all the negative talk about tariffs,” she explained. “So, one of two things is going to happen. The tariffs are going to work out, and the market’s going to do well. Or tariffs are not going to work out, and then the market will adjust and eventually do well. So I’m not negative.

“I think people should not panic,” she went on. “I think they should seek competent advice and not assume things. We’re bombarded 24-7 with news bites, but they’re just news bites. They don’t tell you the whole story.”

“We didn’t expect the amount of volatility that we had, but we did expect a little bit of a pullback.”

Jeff Liguori, executive vice president and senior portfolio manager at Bradley, Foster & Sargent in Hartford, Conn., had similar feelings as the calendar turned.

“At the end of 2024, the optimism was pretty excessive. Everything had gone up. People were feeling really good about the market; it was up 20-odd percent from previous years. There was almost too much enthusiasm.”

So a correction was likely, even if some of the forces generating it were questionable, he added. “Economically, tariffs can be so excessive that it’s not healthy for the economy. But when we were in the throes of that, we told clients, ‘this is a manufactured crisis; it can easily be turned around with a stroke of a pen, or with potential legal roadblocks.’ And that’s how it played out.

Jeff Liguori

Jeff Liguori

“The data is 100% in your favor. Nothing ever goes straight up. We’ve lived through most of these crises — the housing crisis, the tech bubble, the Great Recession. All of those, time and again, have been incredible buying opportunities.”

“After a while, it’s been less of what we consider a headline risk. Before, when every headline came out, stocks reacted instantaneously. Over time, we’ve come out of that, and now people are asking how much of this is really going to materialize.”

That said, taking a sanguine view of the long-term health of the markets is much easier when the tides are calm than when they’re volatile, Liguori noted.

“But the data is 100% in your favor. Nothing ever goes straight up. We’ve lived through most of these crises — the housing crisis, the tech bubble, the Great Recession. All of those, time and again, have been incredible buying opportunities. It’s almost like, if there’s no pain, there’s no gain.”

 

Risks and Rewards

Tim Suffish, senior vice president and head of equities at St. Germain Investment Management in Springfield, said it’s important that investors understand the long-term nature of the firm’s strategies and how it approaches the market — and its inevitable shifts.

“If we’re doing our job well, we have a conversation with our clients up front about the risks and rewards of various asset classes,” Suffish explained. “Cash is the only asset that does not go down, but cash yields very little. Your checking or savings account is guaranteed by the FDIC, and you might get half of 1% a year. But it’s not going anywhere.

“On the other end of the spectrum, stocks are for the long term, and by looking back a few years, you can see what can happen with stocks. Right after COVID hit, stocks were down 35% in one month. It was one of the worst months ever for the markets. Of course, the economy got flooded with stimulus and low interest rates and bounced back.”

Tim Suffish

Tim Suffish

“We’ve been through it before, and the volatility and the drawdowns happen. The reasons may be different each time, but the global economy is resilient.”

That said, “when you talk about volatility, people need to know what to prepare for. If you can prepare for it, history shows you’ll be rewarded by taking on some risk.”

To explain, Suffish took a quick tour through the past 25 years of market-jarring events, and why risks tend to be short-term and rewards longer-term. The dot-com crash of 2000-01 saw the market down 50%, as did the housing boom and bust and resulting global financial crisis in 2008-09. China-related trade concerns in 2018 caused another 20% drawdown, followed by that 35% COVID-driven drop in 2020, and another 18% hit in 2022 caused by inflation concerns.

“Even with all that volatility and scary drawdowns — and these are not 5% moves in the market that, if you squint at your monthly statement, you don’t notice it; these are big numbers that you do notice — the stock market still averages, over that time frame, going back to 2000, about 7% a year.

“So the market historically rewards you for taking risks,” Suffish went on. “Taking risks is really the only way you’re going to get those rewards, and the rewards tend to be proportionate with your risk. So part of our counsel to clients who are nervous in a time like this is that it’s more than likely a repeat of what we’ve seen over the past 20, 25 years. We’ve been through it before, and the volatility and the drawdowns happen. The reasons may be different each time, but the global economy is resilient.”

Liguori agreed. “We have this philosophy that, when the market gets rocky and volatility increases, there’s always a reason for it, whether it’s something macroeconomic or, in this case, a combination of political and macroeconomic factors. We’ll hear clients say, ‘this time, XYZ is different than the last time.’ Yes, whatever is causing the volatility might be different, but the reaction is always the same. Economic decisions are being made by humans, and humans always act the same way.”

That said, he continued, it can be beneficial to be more aggressive when the market drops.

“No one wants to lose money, even if it’s just on paper. But if I’ve done my job and the market is down 20 but you’re down 10, maybe increase your exposure a little. If we look at the stock market in a broad sense, the time to be more aggressive on equities or stocks is at the point when humans feel really uncertain. It’s a contrarian way to look at it.”

 

Planning for Life

That long-range view of investments plays into how those we spoke with handle clients; they’re plotting out a path where investments will meet the various needs of life — a home purchase, college education, retirement — both now and well into the future.

“We have to know the client really well,” Grenier said. “Sometimes we know them better than their own family knows them. We have to know what makes them tick, what their goals are, what their aspirations are, what they want from a value perspective, what their values are, so that we can kind of guide them and use the investments as a tool to get them where they want to be. We do so much hand-holding for clients.”

A client’s portfolio can employ a range of vehicles, from mutual funds to stocks, bonds, and annuities.

“When somebody comes here, we want to make sure that they’re well taken care of and that the risks that they face are minimized,” Grenier went on. “And you have to acknowledge that they are nervous, and it is nerve-wracking, when you see the market gyrate the way it has. Nobody likes to see the value of their portfolio come down. So what I try to do is acknowledge that, ‘yes, I get it,’ and then I try to put it in perspective for them.”

Like Liguori, she said those nervous times can be an opportunity.

“We know the market is resilient. And when the market is down the way it was at the beginning of April, I used it as an opportunity to add because we were buying good companies on sale. We added in where we could.”

That said, clients who are closer to retirement — or already there — will be less likely to tolerate risk.

“If they are going to depend on their investments for a good portion of their living expenses, their livelihood, then you have to be more conservative with their investments,” Grenier said. “We’ve been using some buffer programs that kind of make sense — it does cap the upside, but it protects the downside.”

Suffish said portfolio diversification is the best path to enhanced returns while reducing risk.

“When you have diversity in asset classes that are not perfectly correlated, you can build that portfolio,” he explained. “Last year, large cap U.S. stocks were up 20%, but bonds were about flat on the year. But by mixing the asset classes — U.S. equities, foreign equities, bonds, cash, maybe some precious metals — these assets are not perfectly correlated with each other, so you get the blended return. But you also get the blended volatility or risk, which benefits the portfolio.”

Whatever the circumstances in the market, all those we spoke with said that those who start investing early in life — in their 20s and 30s, as opposed to 40s, 50s, or later — can exercise a greater degree of risk taking.

“A younger investor can afford to be more aggressive, can afford to be more speculative. They’re not going to feel the consequences for a long time,” Suffish said. “Our typical client is close to retirement or in retirement, so they need to be diversified and take the sharp edges off off the market downturns.”

Grenier agreed. “The earlier you start, the better, because you have time on your side. If you look back at the market throughout the years, there have been so many gyrations, and you might be caught in a point where the market is down. But if you’re looking at it long-term, it has only gone up.”

 

Community Spotlight Special Coverage

Community Spotlight

Amanda Roy, center, with several staff members at the Better Bean coffee shop on Main Street in Monson.

Amanda Roy, center, with several staff members at the Better Bean coffee shop on Main Street in Monson.

 

Amanda Roy likes to say the devastating ankle injury she suffered in 2021 when she missed the last step at her house didn’t happen to her; it happened for her.

That mishap left her in a wheelchair and facing a lengthy recovery period, which she chose to spend with her parents, in the Monson home where she grew up. And while recovering, she spent a lot of time thinking about what the next chapter in her life would look like and where it would play out.

She ultimately decided it would look somewhat like a previous chapter, when she spent 10 years operating a coffee shop in Plymouth, but with some real changes (more on those later). As for the place … she chose downtown Monson with the thought that this would be a short-term gig.

But things changed, and quickly.

“I thought, ‘I’m going to open a coffee shop, and when I get better, I’m going to sell it, move back to Plymouth, and get on with my life,’” said Roy, who opened the Better Bean in the summer of 2023, when she thought she was recovering from that ankle injury. Instead, she was told she would need a replacement. And while getting it and some subsequent surgeries, she made the decision to get on with her life in her hometown. She’s making the Better Bean one of the more intriguing business stories in this community, while she and her boyfriend build a house there.

These developing stories are just a few of many in this town of just over 8,000 people. Others include:

• Progress with the redevelopment of the sprawling Monson Developmental Center (MDC) site. The board of Westmass Area Development Corp. is expected to vote soon on a proposal to acquire a 100-acre portion of the site with the intention of redeveloping it for housing and related purposes;

• Renovation and expansion of the town’s fire station;

• A town meeting vote to move from three selectmen to five;

• Continued growth of what would be called agritourism, with businesses such as Silver Bell Farms, Echo Hill Orchard, Westview Farms Creamery, and others, which grow and sell everything from apples to Christmas trees to wine to ice cream, and draw people from across the region and beyond; and

• Anticipation and excitement concerning the planned east-west rail station in Palmer, which has the potential to make Monson a more popular place to live for those who work in Greater Boston but can’t afford home prices in the capital area.

“It’s still costs a lot to build a house, but from a value standpoint, this is an opportunity to bring people here, and when individuals move in, now you have an opportunity for another restaurant or two, and then businesses will look at Monson as a vibrant place to move to.”

Westmass President and CEO Jeff Daley said the board is expected to vote by the end of this month on a proposal to acquire a section of the MDC property, on which he envisions a ‘village concept’ for the parcel, which represents a new and intriguing opportunity for the agency.

“What we’ve done in the past has been mostly commercial and industrial-type projects,” he said, noting industrial park projects in cities like Westfield, Agawam, and Chicopee, as well as redevelopment of the massive Ludlow Mills complex in Ludlow, which includes large housing components. “We’ve worked with partners on housing in the past, and housing is definitely a need, and the demographics of Monson have been changing; housing would be a good fit at that location.”

The MDC was among many state-owned properties featured in a recent showcase of parcels available for housing development that hosted the Healey administration, said Jenn Wolowicz, Monson’s town administrator, noting that, while there are several potential future uses, housing, especially affordable and 55-and-over housing, are critical needs.

One of the long-shuttered buildings at the Monson Developmental Center, which is moving closer to redevelopment, with housing as one of the likely new uses.

One of the long-shuttered buildings at the Monson Developmental Center, which is moving closer to redevelopment, with housing as one of the likely new uses.

“As of April 30, our population of seniors is 33% of our overall population,” she explained. “We have a lot of people living in single-family homes, their children are grown, and they’d love to be able to downsize to a townhouse-type unit, and we’ve made sure that this is something that’s being heard by Westmass.”

As for east-west rail, Jim Przypek, CEO of the Quaboag Hills Chamber of Commerce, which serves 15 communities, including Monson, said that service will benefit many of the communities in the Quaboag region simply by making them more accessible.

“The trend of people moving out of Eastern Mass. and migrating farther and farther west will continue and be accelerated by east-west rail,” he said, adding that rail service will make it easier to live in those towns but still work in Boston or Hartford.

For this latest installment of its Community Spotlight series, BusinessWest turns its lens on Monson, the picturesque town roughly halfway between Springfield and Worcester that has established its own identity.

 

Developing Stories

Mike Rouette grew up in Monson, and it has remained his home. He described it as the “perfect place to raise a family,” and a community where people team up to get things done, right down to planning and executing the Fourth of July parade and fireworks.

“Everyone pitches in and does what needs to be done to keep the town vibrant,” said Rouette, executive vice president and chief operating officer at Monson Savings Bank, who, as he surveys the landscape, sees both challenges and opportunities for the town.

The challenges are similar to those facing other rural communities in that area, including the loss of manufacturing jobs — plants once made everything from hats to toilet seats here — as well as retaining existing businesses and grappling with declining enrollment in local schools stemming from school choice and other contributing factors.

“It’s not easy to access Monson,” he explained. “Sometimes, people tend to look at Monson, from a Springfield standpoint, as if Wilbraham Mountain is almost like a Great Wall of China — it’s ‘over there.’”

As for opportunities, they mostly involve abundant land (although much of it is on hillsides) and still-affordable buildings lots, at least when compared to towns to the west (like Wilbraham, Hampden, and East Longmeadow) and to the east (Sturbridge and Auburn).

“There’s an opportunity there that the town should take advantage of,” Rouette said of lot prices. “It’s still costs a lot to build a house, but from a value standpoint, this is an opportunity to bring people here, and when individuals move in, now you have an opportunity for another restaurant or two, and then businesses will look at Monson as a vibrant place to move to.”

Meanwhile, the MDC site provides a wealth of opportunities — much like the site of the former Belchertown State School has — for creative reuse, everything from housing to commercial sites to Rouette’s vision of a regional high school that would serve Monson and Palmer and help keep students in those communities.

The MDC, which closed in 2012, was spread over more than 650 acres. A large portion of the property will be transferred to the Massachusetts Department of Fish and Game to become a wildlife management area, said Wolowicz, adding that Westmass could become the developer of the remaining 100-acre parcel, where the hospital buildings and other facilities still stand.

“We would be demoing the hospital buildings and doing a mixed-use development with quite a bit of housing,” said Daley of plans that are still being formalized and, of course, contingent on the upcoming vote of the board. “We’re proposing that it would be affordable, market-rate, and workforce, to make sure that people can come into town if they want, or upsize or downsize in the town of Monson, as well as potentially some retail and commercial use to create a village atmosphere, as opposed to just coming in and putting some buildings up.

“We really want to respect the town of Monson and the surrounding communities, and that’s why we’re proposing something with more of a village feel rather than just putting up ranch homes or duplexes,” he went on. “This would be more strategically thought out … a village concept where people could still enjoy that rural farm life, if you will, in Monson, while also creating a new development for housing upgrades for people who want to get out of their homes, as well as workforce housing. This could be a game changer for Monson, Palmer, and the surrounding communities.”

 

Bean Optimistic

The staff at the Better Bean likes to get creative and theme its specialty drinks and other fare.

Such was the case last fall, with a two-month salute to Gilmore Girls and the small, fictional Connecticut town called Stars Hollow, where the show takes place.

“Stars Hollow looks a lot like Monson,” said Roy, referencing both her coffee shop and Dan Grieve Park, across the street from the shop, and its gazebo, which is very similar to the one in the show.

Monson at a Glance

Year Incorporated: 1775
Population: 8,150
Area: 44.8 square miles
County: Hampden
Residential Tax Rate: $14.87
Commercial Tax Rate: $14.87
Median Household Income: $52,030
Median Family Income: $58,607
Type of Government: Select Board, Open Town Meeting
Latest information available

The park, complete with several Adirondack chairs and benches, is quite popular with Better Bean clients, most of them regulars, said Roy, who chose a grab-and-go format rather than seating, one of many lessons she took from her time in Plymouth, which was split between two locations.

The first was a kiosk inside a Registry of Motor Vehicles office, and the second was a much larger space in the same industrial park, “with seats and a public bathroom and a big menu … and I burned myself right out,” she said, adding that she sold that enterprise six months before COVID arrived.

“Someone was looking out for me big time, because I can’t imagine being that burned out and having to deal with COVID,” she said, adding that her ankle injury brought her back to Monson and, eventually, to a storefront — the same one her father operated a realty office out of when she was young — on Main Street.

Learning her lesson from Plymouth, she created a place that’s not too big or too small, although it’s been cramped since she opened, so she will soon take over the space next door (the former Petal and Wren flower shop, which relocated) and will use the back for storage and the front for a small gift shop, something she said the town needs.

Overall, Roy told BusinessWest, the downtown has lost some storefronts — a cannabis shop closed recently, for example — but it remains an emerging destination.

Wolowicz agreed, but noted that the town’s business community is diverse, with many ventures existing in the agritourism and hospitality spaces.

“We have quite a few people who are being very creative when it comes to what their land is used for, be it what they’re growing or their animals,” she said, adding that one of the priorities for town officials has been to promote the preservation of farmland and, overall, a healthy rural community.

The Monson Agricultural Commission goes about this work in many ways, she said, listing everything from Right to Farm bylaws, which protect farms from noise, odor, and other complaints, to a farmers market event with live music and more than a dozen local vendors, including farms, bakeries, and artisans; the next such event is slated for Sept. 13.

“The town of Monson supports its commercial farms,” Wolowicz said, “and wishes to ensure their continued existence and positive impact on the town economically, ecologically, and socially.”

Przypek, who came to the chamber after a lengthy stint with the Basketball Hall of Fame in marketing and sponsorships, and then several years as general manager of the Three County Fairgrounds, agreed, noting that agritourism has become a large part of Monson’s identity as it transitions away from its manufacturing heritage.

“Businesses like Silver Bell Farms and Echo Hill and Westview Farms Creamery are thriving, and they bring people from all over to Monson,” he said, adding that new businesses downtown, like the Better Bean, do the same.

 

Community Spotlight

Community Spotlight

Forbes Library in downtown Northampton will soon feature a small outdoor stage, as seen in this rendering from HAI Architecture.

Forbes Library in downtown Northampton will soon feature a small outdoor stage, as seen in this rendering from HAI Architecture.

Andrea Monson came to her new role as executive director of the Northampton Downtown Assoc. (DNA) in a roundabout way, but found it to be an intriguing fit during an uncertain time for the city and its downtown, which will soon undergo a major — and not universally loved — redevelopment project.

After spending five and a half years at MassDevelopment as its Tranformative Development Initiative fellow for Chicopee, she then moved into the position of creative content officer for a few years; prior to that, she had been in marketing research at companies like Aetna and CVS. She’s also co-owner of Monson Roastery and founded the Urban Food Brood collaborative in Springfield.

“I found out about the Main Street redevelopment project from a friend of mine who lives in Northampton and was connected to a lot of folks there, and said they could really use a fellow to get through the project,” she said, adding that she wound up volunteering with Pardon Our Progress (POP), an entity created to streamline communication and mitigate obstacles around the Main Street redevelopment project, dubbed Picture Main Street by municipal leaders.

Then, when Jillian Duclos, the previous executive director of DNA, stepped down, Monson applied and won the job earlier this year. She explained that a major DNA focus is downtown advocacy, and it has been active in communicating project updates to businesses there.

“The bulk of construction is happening in 2027,” she said. “There will be some preliminary construction in the fall of 2026, but the city is very mindful of the retail experience of Northampton for the holiday season, so no construction then.”

Monson recognizes business owners are a divided camp on the project, and said the city has been trying to level up the way it communicates regarding the issue, while the DNA works directly with business owners, keeping them informed.

“We’re always thinking about how construction will affect traffic, incentives for foot traffic, creative ways to get around the work on Main Street. We don’t want anything to catch us by surprise.”

“We launched a survey to get all the businesses to share their experiences and feelings. A lot of them they’re frustrated because there hasn’t always been clear communication in the past, though we’re actively trying to remedy that,” she explained, adding that businesses emerging from the difficult pandemic years feel stressed on multiple fronts today, worried about tariffs, recession talk, and what they see as a major Main Street upheaval that could keep foot traffic away.

“They’re looking at the project as the end of the world, but that’s not the case,” Monson went on. “A lot of redevelopment projects end up increasing foot traffic; they end up being really profitable when they’re finished. And with POP, and my job at DNA, we’re listening to business owners and acting on their concerns, looking for grant funding and other funding to support them through the project. We’re also launching an RFP for marketing, to market Northampton in general and market the downtown, and keep them in the loop with everything that’s happening, scheduling changes, all of that.”

Judy Herrell, owner of Herrell’s Ice Cream, is one of several business owners who have taken the city to task over its downtown plans for a number of reasons, including an increase in traffic, concerns over bike safety, and a lack of public meetings on the project.

“I’ve talked to a few people that wanted to open businesses Northampton but didn’t for lack of being assured they would be fine during Picture Main Street. They’re worried that, for three years, Main Street will will be torn up, even though the city says it’ll be done in sequences and not tear up the whole street at once,” Herrell told BusinessWest. “That’s still a lot of stress on businesses in the city.”

 

Meeting of the Minds

Monson said the city is working with Emily Innes from Innes Associates, which specializes in municipal planning, on a grant-funded consultancy.

“She’s seen cities through a lot of these projects, and they’ve told us that we’re ahead of the game just by POP existing. We’re always thinking about how construction will affect traffic, incentives for foot traffic, creative ways to get around the work on Main Street. We don’t want anything to catch us by surprise.”

Monson is also in the process of bringing Jeff Speck to the city for a public talk. A noted city planner who wrote Walkable City: How Downtown Saves America, One Step at a Time, he will tailor his presentation to Picture Main Street and why it’s important, she said, adding that she’s also trying to put together a panel of mayors who have seen these types of projects through in their own cities.

But for locals looking for activities beyond road construction talk, there’s plenty to look forward to in town, including the return of the Taste of Northampton, now as a two-day event on Sept. 13-14.

“I love seeing all the businesses rally around these ideas. They’re all putting in their time and energy to create these collaborations. What I love about Northampton is how businesses help each other thrive.”

“It was a lot of work and a lot of money for just one day,” Monson noted, explaining the expansion to a two-day affair. “Again, this is being led by the restaurants; a lot of food and beverage establishments downtown are co-creating this with us. They know what’s best for them. They’ve been part of the Taste of Northampton for many years, and they’re excited to bring it back.”

The following month, Mischa Roy, owner of Spill the Tea Sis, is spearheading, alongside Isaac Weiner, co-owner of Familiars Coffee & Tea, a month-long October event called the Great Northampton Haunt, which celebrates the city’s haunted history.

“You know, we have as many hauntings here as anywhere else. We had witch trials before Salem. We just don’t brag about it,” Monson said. “So we’re trying to lean into it. They have plans to have something going on every single day in October, which coincides with a dip in retail business. So it’s strategic and intentional.

“I love seeing all the businesses rally around these ideas. They’re all putting in their time and energy to create these collaborations,” she added. “What I love about Northampton is how businesses help each other thrive.”

Meanwhile, a project to construct an outdoor performance stage beside Forbes Library promises to be another activation point for the downtown. HAI Architecture, based in Northampton, designed the accessible, open-air, covered stage to support a wide variety of programs, including concerts, children’s programming, and outdoor movies.

Northampton at a Glance

Year Incorporated: 1883
Population: 29,571
Area: 35.8 square miles
County: Hampshire
Residential tax rate: $13.93
Commercial tax rate: $13.93
Median Household Income: $56,999
Median Family Income: $80,179
Type of government: Mayor, City Council
Largest Employers: Cooley Dickinson Hospital; ServiceNet Inc.; Smith College; L-3 KEO
* Latest information available

The Northampton Jazz Fest also returns to downtown — at numerous venues, as usual — on Sept. 26-27, headlined by New York Voices, a world-renowned vocal jazz quartet.

And speaking of music, the Iron Horse Music Hall recently celebrated one year since its much-anticipated reopening following a major renovation on Center Street, while other venues in town, from the Academy of Music to the Parlor Room to Bombyx, continue to thrive. But Monson said the still-shuttered Calvin Theater in the heart of downtown remains troublesome.

“When music venues are shut down, that’s big. That’s a big piece of what makes Northampton vibrant. If the Calvin doesn’t come back, that’s going keep Northampton from growing.”

 

Strength in Numbers

Northampton’s success is personal to Monson, who visited the city plenty during her youth and lived there during her college years. “I always felt it’s home. I want to come back and retire in Northampton. So I need it to stay vibrant, selfishly.”

To accomplish that vibrancy, she said, collaboration is key — between businesses, organizations like the chamber and the DNA, and even agencies across the region and state. So is a continued focus on the needs of businesses in a downtown that, aside from CVS, is comprised exclusively of small, local enterprises.

“How can we elevate Northampton? How can we address issues and creatively bring more traffic, more events, more people, so that people want to come back, stay over, go shopping?” Monson asked. “I get to work with some incredibly talented people, which benefits me in my understanding and learning about local economic development. And I think the DNA has been working really hard to build better relationships in Northampton.”

Cities that are struggling, she said, tend to have people working in silos that don’t collaborate with each other, and that’s the opposite of her vision for Paradise City, including that still-controversial reconstruction of Main Street.

“As Northampton forges on with this project, what I see is the potential of so many people working together and collaborating, and that’s ultimately going to be the great success of Northampton.”

Insurance

Rates on the Rise

By Rate Insurance

In 2024, personal insurance pricing continued to rise due to a complex mix of escalating claims, extreme weather events, and ongoing coverage restrictions in select markets. The insurance market remained challenging, as carriers navigated the unprecedented impacts of climate change, technological advancements, and evolving risk profiles. Moreover, record-breaking economic losses from hurricanes, wildfires, and freeze events, have driven significant premium increases, particularly in high-risk geographic regions.

The 2024 home insurance market continued to experience sharp premium increases. Internal policyholder data comparing January through August 2024 to the same period in 2023 showed a national average annual premium rise to $2,072, a significant 20% increase from $1,723 in 2023.

Over the past six years, premiums have increased by 78%, placing persistent financial strain on homeowners. While the personal lines industry’s year-over-year improvement in underwriting losses was an important development, homeowners insurance carriers are still operating at a loss. Pricing is expected to stay high and continue to increase until profitability is restored.

“While the personal lines industry’s year-over-year improvement in underwriting losses was an important development, homeowners insurance carriers are still operating at a loss. Pricing is expected to stay high and continue to increase until profitability is restored.”

Looking ahead to the remainder of 2025, the trends that have shaped the insurance market will continue to challenge homeowners and carriers alike. As an insurance customer navigating the market, it is increasingly important to have a solid understanding of the ever-evolving insurance landscape, and proactive, detailed approaches are crucial. Here are 10 strategies to help customers avoid high premiums and at the same time get sufficient coverage.

 

Engage with Trusted Agents

Customers need to stay in touch with their insurance agents to stay updated on changes that could affect their policies. Agents can help identify gaps in coverage, explain new risks, and offer advice on options or discounts that might fit their situation. This ongoing communication ensures customers are prepared and adequately protected as circumstances and insurance requirements change.

 

Review and Update Insurance Policies Regularly

Customers should review their insurance policies at least once a year to ensure adequate coverage. This includes assessing and updating coverage limits and deductibles to reflect any home improvements, renovations, or changes in property value, reducing the risk of being underinsured.

 

Consider Higher Deductibles

By raising deductibles, customers accept more out-of-pocket expenses after a claim, which usually leads to a lower premium. This method is significantly safer than letting coverage lapse or lowering coverage limits.

 

Understand Flood Insurance Needs

Standard homeowner policies do not cover flood-related damage, leaving property owners vulnerable to significant repair and replacement costs. Flooding can result from various sources, including heavy rainfall, storm surges, overflowing rivers, and rapid snowmelt, and these risks are not limited to officially designated flood zones.

FEMA reports that approximately 25% of flood claims come from properties outside high-risk flood areas. This additional coverage is especially vital as weather patterns shift and urban development alters existing drainage systems, increasing flood risks in previously unaffected areas. Policies should be evaluated based on both current risks and potential future developments.

 

Consider Adding Coverage for Water Damage

Water damage is one of the most common causes of homeowner insurance claims, making it essential for customers to evaluate whether they have sufficient coverage. In addition to flood policies, homeowners should consider adding endorsements for increased protection against sewer backups and drain-related issues or raising coverage limits for water-related risks, particularly in areas prone to flooding or homes with aging plumbing systems.

Including service line coverage is also recommended to protect against costly repairs to underground water, sewer, or utility lines. Meanwhile, basic preventive measures can help reduce the risk of water damage year-round. Homeowners should consider installing sump pumps to manage water buildup, using smart water detection systems to catch leaks early, and insulating pipes to prevent freezing in colder months.

 

Stay Informed About Coverage Changes

Homeowners should stay informed about changes to insurance coverage, particularly for key home components like roofing, siding, and foundations. Policies may introduce stricter conditions, higher deductibles, or exclusions for older features. Regular policy reviews and proactively upgrading aging components can help maintain adequate protection.

By staying updated, homeowners can address these changes by replacing outdated components or adding endorsements to their policies, ensuring they have adequate coverage and avoiding unexpected expenses.

 

Plan for Natural Disasters

Customers in areas prone to natural disasters like hurricanes, wildfires, high winds, or hailstorms can protect their homes by investing in strategic improvements. For example, installing impact-resistant roofing and siding, reinforced garage doors, and protective systems like hurricane glass and shutters can reduce vulnerability to storms.

For regions at risk of wildfires, creating defensible space by clearing flammable vegetation, using fire-resistant building materials, and sealing gaps around roofs or vents can help protect homes. Installing hail-resistant shingles, anchoring outdoor structures, trimming weak or overhanging tree branches, and securing outdoor property reduces the risk of damage from hail, high winds, or heavy rains during storm seasons.

Homeowners should also review their policy to fully understand coverage for specific hazards like hurricanes, tornadoes, or hail. Since policy limits and exclusions can vary widely by location and insurance carrier, it is essential for customers to stay informed about their policy details.

 

Explore New Carrier Options

The evolving insurance market regularly introduces new carriers and competitive options. By comparing quotes from multiple providers, customers can evaluate premiums, deductibles, and coverage levels. Some carriers may offer unique discounts for bundling policies, maintaining claim-free histories, or having specific home upgrades like security systems or weather-resistant materials. Regularly exploring these options can help ensure customers get the best possible value for their coverage.

 

Understand the Implications of Non-renewal

Non-renewal notices can happen due to factors like increased risk, geographic hazards, or property-related issues such as an aging roof or poor maintenance. Insurance carriers may also issue non-renewals due to changes in underwriting guidelines and service area limitations. Understanding these factors and taking proactive steps to prevent risks can reduce the likelihood of a policy non-renewal. If a non-renewal does occur, shopping for new coverage promptly is critical to avoid gaps in protection.

 

Prepare for Increased Premiums

With the insurance market facing ongoing challenges, premiums are likely to continue increasing in the coming years. Customers should incorporate premium increases into their annual budgets to avoid financial strain and explore cost-reduction methods. Additionally, homeowners should work closely with their agent or provider to identify the factors driving premium increases and uncover potential savings.

By taking a proactive approach, customers can better manage rising costs while ensuring they maintain the coverage they need.

Women in Businesss

More Than Words

Ayanna Crawford is a public speaker who has helped many people, especially young women, find their own voice.

Ayanna Crawford is a public speaker who has helped many people, especially young women, find their own voice.

 

For the past three years, the Springfield Symphony Orchestra has presented its Fearless Women Awards to area women who embody bravery, advocacy, passion, perseverance, and authenticity.

Ayanna Crawford certainly represents all five qualities, which explains why the SSO included her among its class of 2025. But she also finds the honor humbling, recalling a recent conversation with SSO President and CEO Paul Lambert.

“He said, ‘oh my gosh, we’re so honored to honor you because you just do so much great work.’ And I’m thinking, ‘but I do what everybody else does, right? We just help and serve the community.’

“To be recognized like that was a little overwhelming because I’m not looking for the recognition,” she went on. “I just want to do a good job. I want to be a servant for the people I want to help. I want to be positive. I want to encourage everybody, no matter your walk of life, your religious background, your economic status, whatever. I want to help all of our people, you know?”

Many folks in Western Mass. certainly do know, because Crawford has been serving and helping in many ways for decades. And on June 19, she will take the stage at the MassMutual Center as co-emcee, along with White Lion Brewing Co. owner Ray Berry, of BusinessWest’s 19th annual 40 Under Forty gala.

Her career journey began in education — she taught for two decades in the Springfield Public Schools and as an adjunct professor at Springfield Technical Community College — and she is now both president of AC Consulting and Media Services, which helps nonprofits and other organizations with public relations, press releases, social media management, and marketing; and chief of staff to state Rep. Orlando Ramos, a role she assumed in 2020.

She also created a public speaking program about 10 years ago called Take the Mic, which helps young people in the region grow their confidence and self-esteem while becoming comfortable addressing large groups of people. Meanwhile, she’s an in-demand speaker herself on a wide range of topics, including race, women’s issues, and parenthood.

In short, Crawford has been speaking, teaching, and inspiring for a long time — and has no plans to slow down now.

 

Speaking Up

Crawford didn’t initially pursue an education degree at Westfield State University; she originally studied broadcast journalism, but found she didn’t like the camera and editing work. So she switched majors and found a different way to be a presenter: in the classroom.

“I’ve taught creative writing for middle school, and I’ve taught reading and language arts for elementary school. Those are the two areas I focused in on through my career, which was really awesome because I saw the fundamentals of reading and writing with my younger students and was able to be more creative with my older students,” she recalled.

During that time, she volunteered quite a bit in the community — a passion that has continued until today — and was gratified when students saw her in that setting.

“They were like, ‘Miss Crawford’s not just a teacher, she’s also part of our community. We see her at the grocery store, we see her at the mall, we see her at community events.’ So that was also an opportunity to connect more with my students.

“I want to be positive. I want to encourage everybody, no matter your walk of life, your religious background, your economic status, whatever.”

“And they knew that I wanted to see them successful, so whatever things that I could do to support them, with their families, with themselves, I was always there to help them,” she went on. And that philosophy became the basis of Take the Mic.

Ayanna Crawford says she wants to be a servant who encourages everyone.

Ayanna Crawford says she wants to be a servant who encourages everyone.

“When I was teaching elementary, I found that my children would do their presentations, and they would be really shy. They would cry; they wouldn’t want to do them. So I said, ‘well, what can I do to help?’ And I asked my principal, ‘can I just do a mini-lesson around public speaking?’”

The principal agreed, and the session went well, but Crawford thought she needed more time with them, so she received permission to create an afterschool program. When the middle schoolers caught wind of that, they wanted to join as well. And she knew she had something. So she took her initiative into the community.

Backed by a cadre of interns and volunteers, she has partnered with community colleges, especially STCC, creating a curriculum within its College for Kids summer program, and also conducted programs in the Springfield Public Schools and an afterschool program at the East Springfield branch of Springfield City Library. In all, the program serves young people from ages 6 to 18.

“Now some of the parents were saying, ‘oh, I need to take a public speaking class. You know, I want to do that too.’ We can’t do the full program with the adults, but we do a workshop around public speaking,” she noted, adding that all this work with Take the Mic is especially gratifying in that it can truly impact people’s lives in the long term.

“About 75% of the world’s population is afraid of public speaking. Even myself, growing up, I was afraid to as well. But there are strategies, techniques, resources, so many different things that you can use. I’ve done a lot of training myself to make sure that I’m on the cutting edge of the nuances of public speaking and making sure that not only the students have what they need, but the adults, too.

“We have had graduates come back to tell us, ‘I had a college interview, and I was more prepared than I thought I was because I took your course,’” she went on. “We’ve had youth come back to us to talk about their job interviews, saying, ‘I was more prepared than I thought I was for the job interview.’ So I think it does work, and it does help, and we do see impact.”

 

Making Connections

Crawford’s work with AC Consulting and Media Services also emerged from her time in education. He recalled her principal noticing she was doing a lot of community work, so she became the go-to person for connecting the school with community leaders, elected officials, and the media as well.

“I used some of that early groundwork to create my firm, where people ask me today, ‘hey, could you help us with this press release?’ ‘Could you help us getting the media to attend our event?’ ‘Can you help us with a flyer?’ ‘Can you help us with a little bit of marketing?’” she explained.

“I’ve helped nonprofits and small businesses that are up and coming; I’ve worked with folks with marketing and branding stuff, folks that want to get more exposure on TV and radio, helped them with their talking points, helped them put their press release together.”

Her foray into politics, culminating with her current role as chief of staff to Ramos (one of this year’s Alumni Achievement Award finalists; see story on page 19) began with her volunteer service on school PTOs, neighborhood councils, and, eventually, political campaigns. She later became chair of the Democratic City Committee for Springfield’s Ward 8, worked on Ramos’ campaign for the State House, and then joined him in that work, much of which she’s personally passionate about.

Take the Mic has helped young people develop self-esteem and empowerment through speaking skills.

Take the Mic has helped young people develop self-esteem and empowerment through speaking skills.

“Anything around education and our teachers, he always leans on me for that. I’m also very very concerned and passionate about our environment and anything that has to do with safety for our children,” she explained. “So it’s been a pretty positive experience being in that role and being a part of initiatives that can help people and change people’s lives.”

Crawford noted that many people in her role came from law or politics, but she joined Ramos from a background in education and community service, and that’s valuable.

“I’m just like everyone else that calls our office looking for support or assistance. I can say to them, ‘I get you, I understand,’ because we all can fall into situations where we need someone to help us. People call, and sometimes they’re ashamed, and I say, ‘there’s no reason to be ashamed. Everyone needs help once in a while.’ So I assure people, and I give them the confidence that they need.

“My whole premise, I think, is all about elevation, positivity, and helping those that are in need,” she added. “Whether it’s an individual or an organization, if I can help fill a need, then I want to be able to do that.”

As for her community work — she is currently on the boards of Parent Villages, American Service Alliance, and Behavioral Health Network, among other volunteer roles — Crawford said she learned about service from her mother.

“She was a nurse for many, many years, and she was always about helping and health and wellness for our community. I saw the work that she was doing, and I wanted to be authentically me, and asked, ‘what can I contribute to the community?’”

Crawford has been answering that question in many ways — fearlessly and impactfully — ever since.

Healthcare News

Brain Matters

 

As the number of Americans living with Alzheimer’s disease tops 7 million for the first time, nearly four in five Americans would want to know if they had Alzheimer’s disease before it impacted their lives. They also want treatment, even if it comes with risks, as long as it slows the progression of the disease. These are among the insights uncovered in the 2025 Alzheimer’s Disease Facts and Figures report recently released by the Alzheimer’s Assoc.

The nationwide survey of more than 1,700 Americans aged 45 and older examined awareness and attitudes about Alzheimer’s disease, early detection and diagnosis, tests used to help diagnose Alzheimer’s, and treatments that can slow progression of the disease.

“Our survey finds that people want to know if they have Alzheimer’s, and they want to know before it impacts their daily life. They want a simple test so they can access care earlier, including treatments that can slow the progression of the disease,” said Elizabeth Edgerly, senior director of Community Programs and Services for the Alzheimer’s Assoc. “Their interest in early diagnosis and treatment highlights how important it is that we keep advancing toward diagnostic testing that is simple to administer and widely available. We also heard loud and clear that Americans want disease-modifying treatments that can make a real difference after an Alzheimer’s diagnosis.”

The survey found that:

• 79% of Americans would want to know if they had Alzheimer’s disease before having symptoms, or before symptoms interfere with daily activities.

• 91% said they would want to take a simple test — such as a blood biomarker test — if it were available, although very few are familiar with these tests. Access to early treatment and care is the main reason cited for wanting a simple test.

• 80% said they would ask to be tested rather than wait for their doctor to suggest testing.

• 92% would probably or definitely want to take a medication that could slow the progression of the disease following an Alzheimer’s diagnosis.

• 58% said they would accept moderate to very high levels of risk with taking medication to slow the progression of Alzheimer’s disease in the early stages.

• If diagnosed with Alzheimer’s disease, 83% would be willing to participate in a clinical trial for treatment to help slow or cure the disease.

• 48% cited the ability to participate in clinical trials as a reason for wanting Alzheimer’s testing.

• 81% believe that new treatments to stop the progression of Alzheimer’s will emerge in the next decade.

• 66% believe that new treatments to prevent the disease will be available soon.

• 44% worry that insurance will not cover future care and treatment following testing.

• 41% are concerned about test accuracy.

Other concerns include the cost of testing and losing confidence in abilities or not being allowed to do certain activities (such as driving).

“As someone who has benefited from early diagnosis and treatment, I encourage others who are worried about their cognition to be proactive in addressing their concerns,” said Darlene Bradley, a member of the Alzheimer’s Assoc. early-stage advisory group. “The survey underscores what many of us living with Alzheimer’s believe — we want every opportunity to fight this disease and live the best life we can for as long as we can. I am living proof that there is life after an Alzheimer’s diagnosis.”

 

Concerning Trends

Additionally, the 2025 Alzheimer’s Disease Facts and Figures report found that the prevalence and cost of Alzheimer’s disease are rising. Among the findings:

• 7.2 million people aged 65 and older are living with Alzheimer’s disease.

• Total annual costs of caring for people living with Alzheimer’s and other dementias (excluding unpaid care) is projected to be $384 billion in 2025.

• Nearly 12 million family members and friends provide 19.2 billion hours of unpaid care, valued at an additional $413 billion.

• Deaths due to Alzheimer’s disease more than doubled between 2000 and 2022.

“Our survey makes it clear — most Americans want to take action if they experience cognitive problems,” Edgerly said. “With the rising prevalence of Alzheimer’s, it’s more important than ever that researchers, clinicians, health systems, public health officials, and other stakeholders work together to ensure all Americans have access to timely and appropriate Alzheimer’s diagnosis, care, and treatment.”

The report highlights several key efforts needed to improve early detection, diagnosis, and treatment in the current environment, including:

• Supporting research to validate and advance biomarker testing so it can be used widely in clinical settings to detect and diagnose Alzheimer’s disease at the earliest stages.

• Creating clinical practice guidelines to keep pace with rapidly evolving science. The Alzheimer’s Assoc. is preparing guidelines on blood-based biomarker tests (anticipated in 2025), cognitive assessment tools (also anticipated in 2025), and clinical implementation of staging criteria and treatment (anticipated in 2026).

• Improving physician-patient conversations about testing, diagnosis, and treatment so patients and their caregivers better understand the meaning of test results and the risks and benefits of new treatments. Physicians should have access to training to deliver information in a way that is easy for patients to understand.

• Addressing ethical concerns of early detection by making sure patients understand that tests only measure potential risk and that a formal diagnosis involves cognitive testing and other assessments, including the health professional’s clinical judgment. Counseling patients in advance and making sure that test results are shared by a physician who provides context can help avoid misinterpretation or undue emotional distress.

• Advocating for laws and policies that require insurance coverage of tests, which will speed up diagnosis and provide faster access to treatments that slow disease progression and support better care planning.

• Fostering public health efforts to educate healthcare providers and the public about the latest research and best practices for risk reduction, diagnosis, treatment, and safe, high-quality care.

Full text of the Alzheimer’s Assoc. 2025 Alzheimer’s Disease Facts and Figures report, including the accompanying special report, “American Perspectives on Early Detection of Alzheimer’s Disease in the Era of Treatment,” can be viewed at alz.org/facts.