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Coronavirus Cover Story

Baby Steps

After more than two months of a widespread economic shutdown, Massachusetts is opening its economy again — sort of. The plan, announced by Gov. Charlie Baker on May 18, allows some businesses to open their doors under tight health restrictions, while others — including restaurants, spas, and most retail — have to wait longer to invite the public inside. What’s got businesses frustrated is not knowing exactly when their turn will come — and the financial impact they continue to endure every week they have to wait.

Massachusetts is the 15th-most populous state in the U.S., yet, the day Gov. Charlie Baker released his economic reopening report, it had reported the fourth-most total COVID-19 cases in the country.

So, the reopening was never going to be a free-for-all.

“We were all very aware that, no matter what we went forward with, there will be more infection and more deaths,” said Easthampton Mayor Nicole LaChapelle, one of 17 members of the governor’s Reopening Advisory Board. “While the public-health metrics are numbers, statistics, they’re also people — they’re your neighbors, maybe your mother or father.

“People want to open,” she told BusinessWest, “but they don’t want to put people at risk — themselves, their customers, their parents. The compassion is remarkable.”

That’s why it was no surprise that Massachusetts is reopening slowly and cautiously. Last week, manufacturing facilities, construction sites, and places of worship were allowed to return under strict guidelines (more on those later), and on May 25, the list will expand to offices (except in Boston) and labs; hair salons, pet grooming, and car washes; retail, with remote fulfillment and curbside pickup only; beaches, parks, drive-in movies, and some athletic fields and courts; fishing, hunting, and boating; and outdoor gardens, zoos, reserves, and public installations.

That covers what Baker is calling phase 1, with three more reopening phases to follow. Conspicuously not on the phase-1 list? Restaurants, spas, daycare centers, in-store retail … it’s a long list. And, for many business leaders, a frustrating one.

Nancy Creed

Nancy Creed says businesses in phase 1 got the clarity they were seeking, but those in phase 2 are still waiting.

“There’s certainly an appreciation for public health, but there also needs to be some common sense, and I think it’s very hard to explain why it’s OK for 200 people to be in line at Home Depot, but a small, downtown store can’t have two or three people in it,” Rick Sullivan, president and CEO of the Economic Development Council of Western Massachusetts, told BusinessWest.

“Certainly everyone has to be smart,” he added, “but I think there needs to be more common sense brought into the reopening. I appreciate where the governor is — the balancing act — and I think the reopening committee did a great job with outreach, but there needs to be clear guidance and some common sense.”

Others were less diplomatic.

“While protecting public health is important and something we all support, it defies logic to declare that the opening of barbershops and hair salons is safe, while claiming opening small retail businesses is not,” Jon Hurst, president of the Retailers Assoc. of Massachusetts, said in a statement.

“The same is true for the opening of churches and large office buildings,” he went on. “Having two or three people in a retail shop is every bit as safe, if not safer, than the allowable businesses in phase 1. The Baker administration has consistently picked winners and losers during this crisis, and it is disappointing to see that trend continue in the reopening plan.”

As president of the Springfield Regional Chamber, Nancy Creed has been in touch with her members for almost three months now on the impact of the COVID-19 pandemic. She, like Sullivan, understands the delicate balance the state is walking.

“When we were part of the presentation to the advisory board, the last thing I said to them was, ‘our businesses are struggling, but they are surviving this. What they can’t survive is for it to happen again.”

“Certain sectors thought they’d be in phase 1, so there’s always that frustration,” she told BusinessWest. “When we were part of the presentation to the advisory board, the last thing I said to them was, ‘our businesses are struggling, but they are surviving this. What they can’t survive is for it to happen again. So we need to be smart about it and make sure we’re doing everything we can so the reopening is successful, and this doesn’t happen again.’”

She knows that’s not easy for many small businesses to hear, particularly ones with no revenue stream at all during this time.

“This is different for everyone, but businesses are muddling through it, pivoting, doing the things they need to do for basic economic survival,” she added. “But if it happens again, I don’t think we’ll survive the second round.”

Hence, baby steps, and a multi-phase reopening that offers real hope for many sectors, but continues to draw no small amount of criticism as well.

Guidance — and Lack Thereof

According to Baker’s plan, each phase of the reopening will be guided by public-health data that will be continually monitored and used to determine advancement to future phases. The goal of a phased plan is to methodically allow businesses, services, and activities to resume, while avoiding a resurgence of COVID-19 that could overwhelm the state’s healthcare system and erase the progress made so far.

Each phase will last a minimum of three weeks and could last longer before moving to the next phase. If public-health data trends are negative, specific industries, regions, or even the entire Commonwealth may need to return to an earlier phase.

Nicole LaChapelle

Nicole LaChapelle

“When talking to businesses and different groups and unions, the question was always, ‘what are the barriers right now, what are your biggest challenges, but more importantly, what do you need to see happen in order for your industry to open, and what is the timeline for that to happen for you?’”

In addition, success in earlier phases will refine criteria for future phases, including travel, gathering sizes, as well as additional openings in retail, restaurants, lodging, arts, entertainment, fitness centers, museums, youth sports, and other activities.

“Going in, the goals were, how do we safely and slowly open the Massachusetts economy?” LaChapelle said. “And that is directly tied to public-health metrics. When talking to businesses and different groups and unions, the question was always, ‘what are the barriers right now, what are your biggest challenges, but more importantly, what do you need to see happen in order for your industry to open, and what is the timeline for that to happen for you?’”

It was helpful, she explained, to seek input from myriad sectors and businesses — those deemed essential and never forced to shutter; those that had to pivot, such as retailers boosting their online presence and manufacturers shifting to making masks and face shields; and businesses that have been effectively sidelined.

“The board, at no point, even at the beginning, was like, ‘let’s get this thing going and roll it out immediately,’” she added, noting that she understands the need for companies to start ramping back up. “They may be a little disappointed, but they’ve been very understanding. There’s some education we have to do, but nobody is really upside-down about it.”

In order to reopen, businesses must develop a written COVID-19 control plan outlining how its workplace will prevent the spread of the virus. They must also create and display posters and signs describing rules for maintaining social distancing, hygiene protocols, as well as cleaning and disinfecting.

“I think there needs to be an appreciation for restaurants and small Main Street businesses that are not going to be able to just comply with the state’s protocols immediately.”

Sullivan appreciates the attention to public-health concerns, but said it offers little comfort for businesses stuck in an as-yet-undefined phase 2 — or beyond. While the reopening plan gives clear guidance for businesses in phase 1, those in phase 2 don’t even get a target date they can work toward or a set of protocols they can begin to develop. And that lack of clarity has led to frustration.

“I do think many businesses, especially smaller businesses, were kind of expecting more things to open up,” he said. “I think there needs to be an appreciation for restaurants and small Main Street businesses that are not going to be able to just comply with the state’s protocols immediately. They’ll need to plan, order some equipment, and spend some time reorganizing their business, because it’s going to be different than it was pre-COVID. And it’s not something they can do overnight. Many businesses are just looking at lead time — they want to open sooner than later, but they want lead time so they can be ready to go.”

Creed agreed.

“I think what businesses wanted, at least in the beginning, was some clarity about the guidelines, about the timelines, about the standards, about the checklists, all those things, so they can create their own plan — and that was achieved, at least for phase 1,” she explained. “But I am hearing the phase-2 people saying, ‘well, I wanted to be able to plan, but I don’t have enough guidance right now,’ so there’s some frustration.”

The Massachusetts Restaurant Assoc. said as much in a statement following the plan’s release.

“Obviously, every restaurateur is disappointed with the lack of a defined reopening date in today’s announcement,” it noted. “Massachusetts restaurants need their suppliers to have time to restock perishable inventory before it can be delivered to them. They need to notify employees about returning to work and conduct other due diligence to ensure restaurants can open effectively.”

Safety and Numbers

Across Massachusetts, the reopening plan sparked a spectrum of reactions, all acknowledging the competing health and economic interests in play, but expressing different levels of understanding and frustration — and often both.

“We realize that every employer in Massachusetts would love to hear that they can reopen immediately. But we also acknowledge that a phased reopening balances the need to restart the economy with the need to manage a public-health crisis that continues to claim 100 lives a day in Massachusetts,” John Regan, president and CEO of the Associated Industries of Massachusetts, noted in a statement.

Even as some businesses start to reopen and others plan to do so, the state Department of Public Health updated its stay-at-home advisory, replacing it with a new “Safer at Home” advisory, which instructs everyone to stay home unless they are headed to a newly opened facility or activity. It also advises those over age 65 and those with underlying health conditions to stay home, with the exception of trips required for healthcare, groceries, or that are otherwise absolutely necessary. All residents must continue to wear a face covering in public when social distancing is not possible, and individuals are advised to wash their hands frequently and be vigilant in monitoring for symptoms. Restrictions on gatherings of more than 10 people remain in effect.

The state also encourages working from home when possible, and Baker’s office released a list of 54 large companies — employing about 150,000 workers among them — that have issued statements extending work-from-home policies for the remainder of the spring, with numerous reporting intentions to extend into the summer and, in some cases, for the remainder of 2020.

“As MassMutual develops our plan to gradually return to the office, the health and safety of our employees is our top priority,” said Roger Crandall, chairman, president, and CEO of MassMutual, noting that his employees will return to the office no sooner than the beginning of September.

“We expect to come back in a slow, phased manner,” he added. “We will continue to monitor and reassess and will be factoring in a number of considerations — from federal, state, and local government and health officials’ guidance to a sustained reduction in cases in our operating locations, to broader available testing and our employees’ personal circumstances and comfort.”

Patrick Sullivan, Massachusetts President of People’s United Bank, is also promoting continued work from home where possible.

“People’s United Bank is assessing re-entry conditions and protocols to ensure the safety of our team members and our customers,” he said. “Our approach will balance the needs of employees with the needs of the business. As we have been successful in pivoting and adjusting to working from home, we will continue to encourage this behavior.”

Still, those are businesses that can at least operate in most aspects. Retail stores can’t so easily adjust — and have been devastated by the inability to invite shoppers into their stores.

“We are incredibly disappointed with how Governor Baker has treated retail businesses throughout the health and economic crisis. Massachusetts has been one of the most hostile states in the nation toward small retailers.”

“We are incredibly disappointed with how Governor Baker has treated retail businesses throughout the health and economic crisis. Massachusetts has been one of the most hostile states in the nation toward small retailers,” said Hurst, noting that Massachusetts stores are losing Memorial Day weekend at a time when other states have let them open up shop by now. “Retail businesses are ready and able to open safely now with a limited number of people in stores and for appointment shopping. By not allowing that until late June, many small, Main Street businesses will close forever.”

That’s not hyperbole for small businesses of many kinds. Matt Haskins, who operates the popular Matt’s Barber Shop in Amherst, said a recent grant from the Downtown Amherst Foundation has helped him stay afloat at a time when he doesn’t know when college business will return.

“Just five minutes before [receiving word of the grant], I was on a phone call discussing if Matt’s Barber Shop was going to make it or break it,” he told foundation officials. “The grant helps me think we’re going to make it.”

So will being able to open his doors again on May 25. And that’s all most business owners want right now — a target. Creed hears that, but at the same time, she’s encouraged by recent chamber polling suggesting the percentage of business owners who feel they’ll survive this crisis is rising.

“What that says to me is people are finding a way to make sure it doesn’t put them out of business,” she said, “which shows the resilience of the businesses we have here.”

Yes, they have resilience, in spades. Now, they want clarity — and some hard dates.

Joseph Bednar can be reached at [email protected]

Coronavirus Features

The Questions Keep Coming

The Paycheck Protection Program (PPP) was created by the CARES Act to provide forgivable loans to eligible small businesses to keep American workers on the payroll during the COVID-19 pandemic. The SBA recently provided updates to its PPP guidance and also released the form application for PPP loan forgiveness, which will help small businesses seek forgiveness at the conclusion of the eight-week covered period, which begins with the disbursement of their loans.

Here are five common questions area attorneys have been hearing from business owners concerned about how PPP funds may be used in order to be forgiven.

Where can I spend my PPP loan in order for it to be forgiven?

“You’ve got to use 75% of what was loaned for payroll purposes,” said Kathryn Crouss, shareholder with Bacon Wilson. “Obviously, that’s salaries and wages, but other money employers spend on payroll costs count as well — vacation pay, parental or family leave, paid sick leave, or if there’s an employer match for plan premiums. So the definition of ‘payroll costs’ is relatively broad.

“The remaining money can be spent on other approved expenses — keeping the lights on or mortgage or rent or utility bills, those sorts of things,” she added. “Assuming you can prove to the government that you have spent 75% of the loan on qualified payroll expenses and the remaining portion on other qualifying expenses, then the loan should be forgiven and becomes a grant rather than a loan.”

In addition, she added, “if an employer brings an employee back on and that employee used to make, say, $3,000 a month, if they pay them less, they have to be within 75% to be forgiven. That’s not true for head count — they still have to have the same number of employees; not necessarily the same people, but the same head count.”

How do you measure whether an employee’s salary or wages were reduced by more than 25%?

“This may be the area that was causing the most angst among business owners, since it seemed mathematically impossible to not have reduced compensation by at least 25% if you were comparing compensation in the first quarter of 2020 — 13 weeks — to the covered period of eight weeks,” said Scott Foster, partner with Bulkley Richardson. “Fortunately, the SBA has opted to focus only on either the annualized salary for exempt employees, or the average hourly wage for non-exempt employees. Also, with respect to the salaried employees making more than $100,000 per year during the first quarter, as long as the annualized salary remains above $100,000 during the covered period, then any reduction in salary is not considered a reduction under this test.”

What about employees that were furloughed or laid off, but now refuse to return to work?

“For any employee the business has offered to re-employ in writing, and the employee (for whatever reason) refuses to accept re-employment, this will not reduce the loan-forgiveness amount,” Foster said.

Amy Royal, CEO of Royal, P.C., noted that she’s had many questions of this type. “They’re asking, ‘if I want to make sure I get loan forgiveness, how do I address a situation where I’ve offered to bring people back and they’ve said, thanks but no thanks?’ Obviously, those people have their own unemployment issues because if they’ve been offered a job and continue to take unemployment benefits, that could, in certain circumstances, be fraudulent.”

As for the employer, “if you make a good-faith offer to rehire someone with PPP money, make sure that offer is in writing,” she added. “If the employee rejects the offer, make sure you, as a business, have documented that. It will help you when you apply for loan forgiveness. That issue has been a real concern.”

Crouss agreed, noting that some employees may have legitimate reservations about returning to work — for instance, because they have a 95-year-old parent and don’t want to infect them.

“Make sure that conversation is in writing,” she said. “If they say they can’t return, get that response in writing as well, save that correspondence, and put those documents in their personnel file. Where we’re heading is, the head-count piece may be forgiven if they have that kind of documentation.”

Interestingly, Foster noted, “the application states that any employee fired for cause during the covered period does not reduce the borrower’s loan forgiveness. Oddly, this could mean that an employee that was fired for cause prior to the covered period would still count as a missing FTE during the covered period.”

My employees have nothing to do until my business is allowed to reopen and ramps back up. What if I want to save the PPP funds for after the eight-week period?

For example, Royal said, “if you’re a restaurant, you’re not open now. Maybe, if you’re lucky, you’re doing takeout, but the bulk of your business is full service. So the timing has presented issues because they can’t be fully ramped up now, but they’ve got to avail themselves of the funds right now before they run out.”

Businesses may absolutely hang onto the money and use it beyond the eight-week window, she explained — but they will have to pay it back over two years with 1% interest.

“That’s a very attractive loan,” Crouss noted. “Many businesses are making that decision — which is a perfectly sound decision. This only goes for eight weeks, and when you get that amount of money, it should cover your payroll for eight weeks, but what happens if the world hasn’t righted itself? So maybe it makes sense to save it for a rainy day and think of it as a loan and not a forgivable grant.”

Do I have to claim the PPP loan as income?

“The good news is, the IRS has spoken and said no,” Royal said. However, expenses paid for with PPP funds are also not deductible. “That makes sense — you can’t double dip. The way I conceptualize this is, it didn’t happen. We’re going to pretend this period didn’t happen for tax purposes.”

—Joseph Bednar

Class of 2020 Cover Story

40 Under Forty Class of 2020

‘The class of 2020.’

That phrase will forever have special meaning at colleges, high schools, and even grammar schools across this country. Indeed, 2020 has been a different year in every way imaginable.

And the same is true of BusinessWest’s 40 Under Forty class of rising stars. When the JUDGES received their six-inch-thick packets of nominations — which detailed the credentials of more than 200 candidates — in February, COVID-19 hadn’t yet arrived in Western Mass. By the time the scores were tabulated and the winners were sent their letters of congratulations, the world had changed in a profound way.

These changes are reflected in this special edition of BusinessWest, and also in the scheduling of the gala to celebrate this year’s class. Traditionally slated for late June, it is now to be held Aug. 27 at the Log Cabin Banquet & Meeting House in Holyoke.

As for this section, the biggest difference is the photographs. In past years, they were taken in the studio of photographer Leah Martin. With social-distancing guidelines in place and non-essential businesses (like photo studios) closed, that wasn’t possible.

So we improvised. Many members of the class of 2020 took their own photos, while Martin took to the road and photographed several honorees on their front porches and in their backyards — from a safe distance. Collectively, these photos speak not only to how different these times are, but to how people have used their imaginations and creativity to cope.

Overall, while the class of 2020 has had, and will continue to have, a different experience than those who preceded it, it is like those other classes in how it reflects the high levels of young talent now emerging in this region. And it paints an impressive picture of leadership for decades to come.

Let’s salute the class of 2020!

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40 Under 40 Class of 2020

Director of Corporate Communications, Treasurer, and Owner, Rediker Software; Age 36; Education: George Washington University (BA)

A vital force in the success of Rediker Software, Anderlonis has helped increase international sales, increased brand awareness, developed the company’s social-media presence, and founded Rediker Cares, organizing and serving as the liaison for many volunteer events to benefit local nonprofits.

Amy Rediker Anderlonis

Amy Rediker Anderlonis    Photo by Leah Martin Photography

What did you want to be when you grew up? When I was younger, my dream job was to work for the United Nations. I used to think that, in order to make a difference in this world, I had to work for a large, international organization. However, I now know you can also make a big difference by simply being a leader in your own community, whether through work, volunteering, or both.

What goal do you set for yourself at the start of each day? Balance. I wear many hats, not just at work, but also in my personal life. In addition to Rediker Software, I am a mom of two young children and a puppy, as well as a wife, sister, daughter, granddaughter, friend, and community volunteer. Through time management and prioritization, I try to fulfill all of my roles the best I can while still finding time for my own health and wellness. There are only so many hours in the day, and it’s impossible to get everything done. Often tasks aren’t completed, e-mails aren’t answered right away, and laundry goes unfolded — and that’s OK.

What do you do for fun? I love to find cool events in the area. There is so much to do in Western Massachusetts; you just have to look. My friends and I recently went to a fun wine-and-chocolate pairing at Black Birch Winery in Hatfield, and we are planning to attend a concert this summer at Tanglewood. My husband and I are big foodies, so we like to visit highly rated restaurants and attend specialty dinners. I also love to travel with my family and explore other parts of New England and the world.

What will work colleagues say at your funeral? I hope I am remembered for my work in our community — that I worked hard to improve it and make it a better place, and that I gave colleagues the opportunity to do so as well. I also hope to be remembered as a good friend and mentor who saw the best in people and helped them reach their own goals.

40 Under 40 Class of 2020

Director of Finance & Operations, Palmer Public Schools; Age 37; Education: Elmira College (BS)

After losing her husband to cancer three years ago, this mother of two earned her business administrator’s license in 18 months and landed the open position overseeing finance and operations for Palmer’s school system. There, she has created a new budget process, helped balance a fiscally conservative budget to meet the needs of students, simplified benefits, and helped transform the central office into a 21st-century work environment, as well as creating a before- and after-school program for students in pre-K through grade 5. In addition, she coaches multiple youth sports, supports Rick’s Place, and teaches CCD at her church.

Amanda Babinski

Amanda Babinski

What goal do you set for yourself at the start of each day? At the start of each day, I set out to be the best I can be in each role I play. I want my kids to get the best of me and my job to get the best of me. I always want to have my best foot forward. I am really proud of the fact that I was able to successfully enter into the business manager licensure program, complete the course, and obtain my license through the Department of Elementary and Secondary Education. My kids have been incredibly supportive of how busy mom has been, and always ‘help’ me with my homework. I have a strong work family as well and feel lucky to be a part of the Palmer schools family.

What are you passionate about? Public service. In every job I have held, I have served others, and I am always proud to do good work for other people. I am inspired by the underdog and always want to do my part to help everyone to be successful. For fun, I love spending time with my children. We like to be outside, playground hopping, shopping, or spending time with our extended family. Time spent with my family is the best stress reliever I can think of.

What person, past or present, would you like to have lunch with, and why? If I could have lunch with anyone, it would be my husband. He was an amazing man, who passed away in 2017 after a courageous battle with cancer. My children and I miss him every day, and I would love to have lunch with him to check in and see how he feels about all we have accomplished since he passed.

40 Under 40 Class of 2020

Partner, Bulkley Richardson; Age 37; Education: Colorado College (BA), Northeastern University School of Law (JD)

Barry’s law practice focuses on advising businesses, charitable organizations, healthcare organizations, and educational institutions on the legal issues that affect them.

Ryan Barry

Ryan Barry    Photo by Leah Martin Photography

What did you want to be when you grew up? A ski bum. I accomplished that goal in my 20s, living in Crested Butte, Colorado, skiing every day and working as a chef at night.

What do you do for fun? I love backcountry skiing, fly fishing and fly tying, cooking, reading, watching British mystery shows, and being outside with my family.

How do you relieve stress? My 3-year-old running full-speed into my arms for a hug is the best stress reliever I know. A long walk or ski in the woods does the trick, too.

What’s your favorite hangout or activity in Western Mass., and why? Some of my favorite spots include Mt. Greylock, Mt. Tom, the Deerfield and Westfield rivers, and the bike paths, playgrounds, breweries, and restaurants in my hometown of Easthampton. I love the mix of nature and community here in Western Mass.

What fictional character do you relate to most, and why? I at least aspire to be like Gus McCrae from Larry McMurtry’s Lonesome Dove. He doesn’t take himself too seriously, but is also the kind of person you can rely on when you’re in a tight spot. I also admire characters who react to hardship with good humor, like Sully in Richard Russo’s Nobody’s Fool.

What person, past or present, would you like to have lunch with, and why? John Adams. I recently finished David McCullough’s great biography of him. He lived an extraordinary and adventurous life and was a fearless and principled attorney. I’d love to hear his thoughts on modern-day America over lunch and a hard cider (which Adams apparently drank every day, including at breakfast).

What actor would play you in a movie about your life? Even though he often plays bad guys, the late, great Alan Rickman.

What will work colleagues say at your funeral? As John Cleese said at the funeral of one of his fellow Monty Python members, “Good riddance to him, the freeloading bastard! I hope he fries.” Hopefully, my colleagues will also be saying it just for shock value, but only time will tell.

40 Under 40 Class of 2020

CEO, Dreamscape Designs Landscaping/Rent A Tent; Age 27

At age 13, Basile started his first company, Rent A Tent, which is a party-equipment rental company he still owns and operate today. At 17, he started a second company, Dreamscape Designs Landscaping, and continues to grow that enterprise today as well.

Marco Basile

Marco Basile  Photo by Leah Martin Photography

What three words best describe you? Passionate, driven, dependable.

What’s been your biggest professional accomplishment so far in your career? Over the past 10 years, I have grown Dreamscape Designs Landscaping from a one-man operation to a company that has multiple crews servicing hundreds of commercial and residential clients weekly.

What are you passionate about? Being the best version of myself and helping the people around me succeed. I am also passionate about inspiring youth, and as the head coach of the East Longmeadow High School wrestling team, I am able to change the mindset of so many.

What goal do you set for yourself at the start of each day? Every night, I create a checklist of things that I need to do the next day. My goal each day is to complete that checklist.

What’s your favorite hangout or activity in Western Mass., and why? As a small-business owner, it is important to support other local businesses. I have a lot of family and friends who own many great local restaurants; it’s hard to list them all. If I had to choose one place I really enjoying spending time at, it would be Nathan Bill’s. I admire how they are always giving back, and I feel good about spending my hard-earned money at places where I know that they will pay it forward.

What will work colleagues say at your funeral? I’ll admit I had to get a little help on this one, so I asked a friend. He said, “Marco is someone you can truly count on. He is someone who genuinely has your back and would do anything for a friend while expecting nothing in return. Marco is also one of the most hardworking people I have ever met. He is always going above and beyond in everything he does.”

What person, past or present, would you like to have lunch with, and why? Elon Musk. I love his optimism — we both see the world as a place where nothing is impossible.

40 Under 40 Class of 2020

Director of Program Development, Boys & Girls Club of Greater Holyoke; Age 33; Education: Skidmore College (BA); New York University (MBA)

As a child, Bevan spent plenty of time at the Boys & Girls Club of Greater Holyoke, crediting it with helping him reach his full potential. Today, he oversees the club’s annual $1.6 million programming budget and helps supervise three full-time staff, 35 part-time support staff, and 200 volunteers.

Conor Bevan

Conor Bevan

What did you want to be when you grew up? For as long as I can remember, I wanted to give back to the community that invested so much in me. Outside of school, I spent my days as a kid walking back and forth between the Boys & Girls Club of Greater Holyoke and the Greater Holyoke YMCA, participating in various sports in the city and learning the impact of volunteerism. Along my journey, I built lasting relationships and developed valuable character-development traits. Whether it was a teacher, coach, out-of-school-time program, or mentor, each day I was given a new tool to grow into a productive, caring, and responsible adult. I came to realize that I will never be able to truly pay it forward, but I will try my best to do so. My passion for community development and volunteerism translated into a dedication to connecting people to resources. Looking back now, I am doing the exact work I dreamed of when I was a kid.

What do you do for fun? In my free time, you will find me in love with being a husband and father while enjoying the beautiful outdoors of Western Massachusetts. Whether it’s hikes in the Berkshires, listening to music at Tanglewood, cookouts at Mt. Tom, or running around Ashley Reservoir, my family and I love spending as much time as we can enjoying the fresh air.

What person, past or present, would you like to have lunch with, and why? My mom, Marlyn Bevan. I knew at a young age I was the luckiest person alive to have her in my life. She was my guiding north star for 28 years. She was a mother, teacher, coach, role model, and best friend. She taught me love, loyalty, compassion, respect, gratitude, resilience, and much more. One more lunch with my mom would be the gift of a lifetime. Outside of one more chance to gain endless wisdom, I would have another opportunity to thank her for making me the husband, father, and man I am today.

40 Under 40 Class of 2020

Area Retail Leader, KeyBank; Age 36; Education: Southern New Hampshire University

Carrasquillo joined KeyBank in 2018, taking over a branch at the bottom in performance and quickly driving that branch to the top of the company. A graduate of the bank’s fast-track program, he now mentors many KeyBank employees.

Julio Carrasquillo III

Julio Carrasquillo III   Photo by Leah Martin Photography

What’s been your biggest professional accomplishment so far in your career? Leading a team of 11 great branch managers who were once my peers, and helping them make a difference in the communities we serve by delivering financial wellness and impacting peoples lives. I’ve been in banking since 2005, holding every role from teller to personal banker to branch manager. It definitely helps me to have been in the place of so many of my colleagues and can relate to what they need to be successful. Throughout my career, I’ve been fortunate enough to work in low- and moderate-income communities, and, having come from one, it’s been so gratifying and rewarding to help as many people as possible meet their goals with proper financial planning. Two years ago, I reassessed where I was as a leader. Helping more of my colleagues deliver sound financial advice to clients in the role of area retail leader was my target, and I executed that plan. Now I get to help other leaders grow and achieve their career goals.

Who inspires you, and why? My father inspires me. He’s had to work hard for everything he’s had, coming from very little in Puerto Rico. In his family life, he’s tireless in his pursuit of a respected and happy family legacy. In his spiritual life, he’s been the blue-collar, roll-up-his-sleeves, church deacon turned pastor. He takes on the challenges nobody else volunteers for, delivers great guidance and leadership, and is loved by the people in the congregations he’s ministered to. He’s developed a reputation of a ‘fixer,’ and I have done the same in my career. Making him proud is a daily thought for me.

What’s your favorite hangout or activity in Western Mass., and why? Eating and drinking! Whether it’s grabbing a bite to eat at Lattitude, the Federal, or Big Mamou’s or a cigar at Cigar Room 2 and brewery hopping, there’s such a rich and diverse culture in Western Mass. that you could never do the same thing twice and still have a great time.

What will work colleagues say at your funeral? Julio helped me help my clients, and we had a ton of fun doing so!

40 Under 40 Class of 2020

Owner, F45 Training Hampshire Meadows and F45 Training Riverdale; Assistant Business Agent/HSMO, Local 455/FirstLight Power; Age 35

After completing an eight-year millwright apprenticeship program through Local 1121 out of Boston, Deane quickly rose to the top of the ranks, ultimately managing crews of 60-plus as a keyman for APM and General Electric, then serving as a superintendent on several high-stakes outages throughout the country. In 2013, he accepted a position closer to home and joined IBEW Local 455 as an in-house mechanical maintenance operator with FirstLight Power, where he oversees all maintenance projects and control of the power plant’s three hydro stations and 11 generators, and has since become assistant business agent for Local 455. He later launched a franchise of F45 Training in Hadley, where he oversees 14 employees, and is opening a second franchise in West Springfield.

Danny Deane

Danny Deane

What three words best describe you? Positive, motivated, dad.

What’s been your biggest professional accomplishment so far in your career? Navigating my side business from a single startup to two remunerative, life-changing fitness companies while simultaneously maintaining a full-time career, negotiating a CBA for my union peers, and raising three kids under 5.

What are you passionate about? Positivity and fun. I approach every situation, each day, with a positive attitude. Making sure everyone in the room has a smile on their face is paramount to me. I literally sing the chorus of “Live Like You Were Dying” to my children every night before bed.

Who inspires you, and why? My wife, Jessye. She sets out every day with the intention to make the world a better place. She is the kindest person I know and my most trusted advisor. She inspires me every day to work harder, be more thoughtful, and polish my sense of humor so I can stay funnier than she is.

How do you relieve stress? Exercising, working overtime, and enjoying craft beer — pretty much in that order.

What’s your favorite hangout or activity in Western Mass., and why? A Saturday-morning Hollywood session at F45 Training. It’s a party with a lot of sweat, a DJ, and a bunch of amazing people who have become like family.

What person, past or present, would you like to have lunch with, and why? I would like to sit at a table for three with Nikola Tesla and Post Malone. I am fascinated by the knowledge and innovation that an individual could have inside one mind. Plus, Tesla would be cool to meet, too.

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