southflorida | Capital Analytics Associates

Spotlight On: Keith Koenig, CEO & Chairman, City Furniture/Broward Workshop

By: Max Crampton-Thomas

4 min read November 2019 — Acting as both the CEO of his company City Furniture and the Chairman of the Broward Workshop, Keith Koenig provides a unique perspective and insight on various facets of business and progress being made in Broward County. He not only discusses how the Workshop is working to address the effects of climate change on the county, but also the progress it has made on the goals set forth last year. In regards to his business, Koenig reveals his key to longevity in the marketplace as well as what today’s consumers are looking for when choosing where to shop.

How is the Broward Workshop addressing the issues related to climate change in Broward County?

Wherever anyone stands on the science of climate change, one issue is undeniable, and that’s the economics of resiliency. Smart people in the insurance world believe that our risks and insurance costs will go up in the years to come if we do not get ahead of resiliency. Broward Workshop members understand that issue and want to lead a public, private effort to improve the resiliency not only of South Florida, but to create opportunities for coastal communities around the world to partner and learn. We are still in the process of setting our priorities for our annual goals, but in all likelihood they will include supporting the Army Corps of Engineers’ $20-million research project. In addition, our members are supporting Broward County’s efforts to jump-start our resiliency efforts. We will also be supporting South Florida water management efforts to finish phase two of the C-59 reservoir, which is an important step forward in our resiliency efforts.

What progress has been made on the goals set by the Broward Workshop last year?

When we look back over the last year, we have really moved all our goals forward. At the top of the list was addressing homelessness. A little over a year ago, we had a major encampment of close to 100 homeless in Downtown Fort Lauderdale and they were in an area right next to the library. Earlier this year, we worked to help place these homeless people into more permanent housing. The best way to end homelessness is to provide people with housing that is respectful and valuable. Our second goal revolved around education, particularly K-12 education in Broward County. When Superintendent Bob Runcie arrived in 2011, the Broward County school system was in disarray. Members of the school board had been accused of improprieties, morale was low and we were facing over $20 million in fines for not meeting state-mandated class size. Runcie has worked diligently to address those issues and to move our Broward County school system forward. The good news is that our school system has improved greatly with higher graduation rates and higher rated schools. Broward County Public School System nearly achieved an overall A rating in 2018 and they are working to continue to improve. We set a goal to support the Broward County public schools and our measure of success was to make sure Bob Runcie stayed as superintendent. I’m proud to say Bob Runcie is still our superintendent today.

The third big goal was the transportation sales tax initiative. Last year, county leaders put this sales tax increase on the ballot to fund transportation initiatives. It was a major initiative and members of Broward Workshop fell on both sides, but like any good organization we listened to the majority. We put our support behind it and the sales tax initiative passed. The last goal we set was around tourism. Tourism is Broward County’s biggest industry, and the biggest need we have is an expansion of our convention center and to build a convention center hotel. We were active both on the forefront and behind the scenes, and the expansion and the convention center hotel are going forward.

How has City Furniture maintained its longevity in the market?

The key to City Furniture’s longevity in the Broward County marketplace has been reinvesting back into our business. We operate financially conservative, meaning that we are careful and never try to bite off more than we can chew. That being said, growth has been a cornerstone of our business. If you do not have growth as a cornerstone strategy for your business, you can’t attract the talent you need or want. For instance, millennials all want to see opportunity to advance, grow and succeed, so they are attracted to companies that embody that vision. In our case, we just opened up big stores in Orlando, and we are planning to open in Tampa over the next few years. The other key to this business has been private ownership. We are able to invest for the long-term benefit of our associates, our customers and our community.

How have you seen priorities shift in regards to consumers making a decision on where to shop?

Retail needs to be more of an experience. What will drive you to a store as opposed to buying online is the experience. When the consumer is given a choice, they prefer to do business with local companies that genuinely support the local communities that they are in and companies that move in a direction of sustainability toward a carbon neutral footprint. Mostly, our shoppers and customers learn that City Furniture does these things after they come to our stores. It becomes a better value proposition for them to do business with us. All of these elements are aimed at tilting the customer experience factor a little more in our favor.

To learn more about our interviewee, visit:

https://www.cityfurniture.com/

https://www.browardworkshop.com/

Can Demand Meet Supply?

By: Max Crampton-Thomas

2 min read November 2019 — 4,500. That is the number of new hotel rooms expected to come online between now and 2024. This additional inventory will be on top of the 34,000 existing rooms already available in Broward County. New hotel developments and renovations like the opening of the Conrad Fort Lauderdale Beach, the $1.5 billion expansion of the Seminole Hard Rock Hotel and Casino and the upcoming addition of the Omni Hotel & Resorts as part of the massive expansion happening at the Greater Fort Lauderdale/Broward County Convention Center, are all contributing factors to this significant increase in hotel room supply. The question now is whether demand in Broward County will match this increase in supply?

To begin to answer this question, it is important to understand how the hospitality sector in Broward has evolved over the years. Invest: spoke with Heiko Dobrikow, the general manager for one of the oldest and most successful hotels in the county: the Riverside Hotel located on Las Olas Boulevard. He discussed how the transformation of the sector was the result of deliberate action from past leaders. “Going back to the 1980s, we were the spring break capital of the world. The leadership then, the mayor and the business community, got together to make the city a little bit more upscale. Suddenly, the mom-and-pop hotels that we had on the beach became the Ritz Carlton, the Marriott, the Atlantic, and now we have a Four Seasons coming. Those are monumental changes. It speaks much to the change in the business environment that has transpired in Fort Lauderdale,” said Dobrikow.

Year after year the tourism sector in Broward County has hit record highs, which is a direct reflection of the over $3 billion dollars spent in capital improvements to the Fort Lauderdale-Hollywood International Airport in an effort to increase passenger traffic. All of this has had the biggest impact on investment and development within the hospitality sector. Dobrikow discussed the direct correlation between the growth of the airport and the hospitality industry. “We see growth mainly via the airport. In the last 12 months, the airport received 36.6 million customers, a growth of 5.6%. Of that traffic, 27.7 million were domestic customers. International passenger growth was almost 9%. It has been a tremendous driver for us. It gives investors looking to build hotels in Fort Lauderdale comfort knowing that there is more growth coming. We have a pipeline of about 45 new hotels in Broward County.”

The growing influx of tourists into the county, and the expected arrival of fans to world-renowned events like the Fort Lauderdale International Boat Show and the coming Super Bowl LIV, indicate that demand will in fact meet the new supply of hotels rooms. But increased supply also means increased competition for the already established hotels that could ultimately lead to a significant decrease in rates across the board. Although this bodes well for consumers, it does not for hotels in the county. A potential economic downturn is another cloud on the horizon. The key for hotels is having the ability to adapt to a changing landscape within hospitality. “In the next year, I think our occupancy levels will remain flat, and the hotels will be very competitive in terms of rates in Broward County. Some of the hurricanes affected us, but we have recovered. Demand growth could be about 8-8.5%. We see an economic slowdown in the near future, and I am convinced that 2021 will be a slower year for us, with a dip in occupancy. We are planning a room renovation for that year, knowing that it is going to be a slower time,” Dobrikow told Invest:.

While all indicators point to enough demand in the current market for an increased supply of hotel rooms, it will be something to keep a close eye on as we enter 2020 and beyond.

To learn more about our interviewee, visit:

https://www.riversidehotel.com/

Spotlight On: Tansy Jefferies, Principal, International Tax Services, RSM US LLP

By: Max Crampton-Thomas

2 min read November 2019 — In today’s tight labor market, companies are feeling the pressure more than ever to stand out as leaders both in their industry and in their community. This includes efforts to promote diversity and inclusion within their organizations. Tansy Jefferies, principal for international tax services at RSM US LLP, spoke with Invest: about how RSM is leading the way in shattering the gender barriers in the accounting industry with 30 percent female ownership within the company, and the firm’s efforts to empower their employees with constant investment into enhancing the employee experience.

How is RSM tackling gender challenges in the accounting industry?

We are proud to report that RSM in South Florida is leading the charge and breaking the proverbial glass ceiling with 30 percent female ownership in an industry where the average is approximately 16 percent. RSM places a high emphasis on coaching and mentoring our high-performing women to retain and accelerate them into leadership positions. We also want to increase diversity and inclusion more broadly throughout our organization. Culture, diversity and inclusion are strategic business drivers and have shown to be great catalysts for business growth. Our mission is to be the first choice adviser to middle market companies globally and to do that, we need a workforce that is as diverse as our clientele. This is the best way to truly deliver the power of being understood.

How is RSM finding the talent it needs, given the county’s low unemployment rate?

We have found that our focus on culture, diversity and inclusion has also differentiated us from other firms when it comes to recruiting and retaining talent. RSM places a great deal of emphasis on delivering the power of being understood, not only to our clients but to our people as well. Through the RSM talent experience, we empower each other to enhance our value and build successful careers. We build rich, enduring relationships based on a profound understanding of each other, our goals and our aspirations. Because when we feel truly understood, we are empowered to move forward with confidence, both personally and professionally. RSM is constantly enhancing the talent experience by investing in and implementing new training, tools and resources. Specifically related to recruiting, we align with the State’s top universities to bring students into our internship programs. We also drive recruitment through diverse professional organizations, such as the National Association of Black Accountants (NABA) and the Association of Latino Professionals for America (ALPFA), which aligns with our goals of building a diverse workforce for the future.

In what areas is RSM seeing the greatest demand for its services?

As a specialist in transfer pricing, I have seen an uptick in services that affect multinational, middle market organizations. From tax reform to changes across the broader global tax landscape, there has been a significant impact on international companies. We have also seen a rise in enquiries from investors on the tax programs related to Opportunity Zones. On the assurance side, there have been increased activities related to implementing the new revenue recognition and lease accounting standards for public, private and government entities. Our financial advisory services practice has also been growing, as the economic outlook makes it a favorable market for buying and selling businesses. As for RSM’s consulting services, our cybersecurity, blockchain, infrastructure, managed IT services, and risk consulting practices are all growing at a rapid pace.

What is enticing investors into the Broward market?

South Florida is an enticing climate for a multitude of reasons, including the federal tax changes and incentives that have fostered an interest from our clients determined to keep jobs and intellectual property in the United States. One of the usual challenges for inbound foreign investors is understanding the complexity of U.S. tax law, because of the different layers of taxation at the federal, state and local levels. Fortunately, for businesses seeking relocation into Broward County, those layers are not quite as complex as in other parts of the country, which makes Broward a favorable option. From an economic perspective, Broward has a high quality of life, strong economic growth, and is dedicated to investing in infrastructure and the community, all of which are great reasons for businesses to invest in our community.

To learn more about our interviewee, visit:

https://rsmus.com/

Spotlight On: Jesse Flowers, Community President, CenterState Bank

By: Max Crampton-Thomas

2 minute read November 2019 — Staying competitive and emerging as a leader in a crowded banking field takes smart growth strategies, remaining cognizant of trends in the industry and an ever-increasing focus on the technological wants and needs of customers. Jesse Flowers, the community president for CenterState Bank, spoke to Invest: about how his bank is ensuring continued growth into the future.

How does your bank ensure continued and sustainable growth?

We continue to grow, hire more people and expand our client base. We are always looking for acquisitions and good partnerships. We have acquired five banks over the last six years in South Florida, and all of them have been a strong fit. We want to make sure that our culture fits with the companies we acquire. We still run like a small bank, and all our decisions are made locally.

We stick to our fundamentals. We make sure that the loans that we provide are to good, qualified borrowers that can withstand a recession. On the commercial lending side, most of the demand is driven by real estate. We are paying close attention to where we are in the real estate cycle because Florida is mostly driven by tourism and real estate.

What is a particular trend you are keeping a close eye on?

Banking is always changing. One of the trends that we have seen over the last five years is people using alternative lenders. Whether it be hedge funds, internet lenders or hard-equity lenders, a high number of those lenders have stepped into the market, more than they used to in the past. That might continue to be a trend because they are often able to be more flexible on the terms and conditions of their loans due to less regulation.

How does CenterState Bank remain client-focused in a rapidly changing banking environment?

People are more focused on technology. We have to focus on the services that people want, like better and easier online technology. Those are the services that are expanding with people using phone and online banking. CenterState has invested in technology over the last several years because we know how important it is. Now, with open source platforms, access is getting cheaper, and we have hired in-house programming professionals to develop software for us.

To learn more about our interviewee, visit:

https://www.centerstatebank.com/

Spotlight On: David Druey, South Florida Regional President, Centennial Bank

By: Max Crampton-Thomas

2 min read October 2019 — Connectivity to the community is the key differentiator when it comes to the variety of banks in the region, David Druey, South Florida regional president for Centennial Bank, told Invest:. He also raised some significant points about determining the right talent fit for a role in his bank, and how millennials could benefit from understanding and appreciating the significant advantages that having a human relationship with their bank can bring.

How does your bank differentiate itself in a crowded financial market?

Whether it is a large, regional, super-regional or community bank, the key difference is the connectivity the bank has to the community. Typically, larger banks have a tendency not to focus on small business. They look for large corporations that take out massive loans. They underserve the communities that they have branches in and use their branches for deposit gathering rather than actually servicing the customer’s needs on both the loans and deposits sides. While we are a $15 billion organization, we have allowed each branch to go with what I call their bend, which is allowing them to do the kind of work that they will succeed in. For instance, if there is a need for construction lending in their market, then they should be doing construction lending. This allows our branches to be in the markets on a much more granular level, and not a large-scale or silo level like some of the other larger banks.

How do you determine the right talent to hire from a tight labor pool?

Talent must have the finesse to understand financial statements, business models, clients, people and be good enough to get all the details correct in order to have loan documentation approved. There is a very small group of people who can do this job extremely well, and those who do it well are in high demand. The key is to court them to come work for you, and entice them to come over based on whatever it is that they are not getting at their current institution. When identifying these people, we also look at their reputation and overall if they are a high-quality individual.

Have you observed any significant changes in demand for your services with the influx of millennials into South Florida?

Millennials have a tendency to do everything on their phone, which is fine and we appreciate that technology, but they are missing out on the human component of a banking relationship. Having a relationship with one’s bank is vitally important to their financial well-being. When that relationship solely exists on technology, there is no connection with the financial institution. Millennials are missing out on the connectivity and relationships with banking professionals that could ultimately help them with whatever they may need. The positive trend we are observing is that as these millennials age, they are starting to realize that to start a business or buy a home they need to have some connectivity and relationship with their bank. They are migrating more toward having relationships with financial advisers and banks because they need them as a service provider.

Due to the strict regulatory banking environment, have you seen a trend of people looking at more nontraditional lenders?

In South Florida, we are always competing against two things, cash and nontraditional financing. South Florida has quite a few nontraditional financing options, but these options typically charge for the nontraditional financing through fees and a higher interest rate. This idea is comparable to the convenience store versus a chain grocery-store mentality. A convenience store may be easier to access but you will pay $6 for a gallon of milk, while a chain grocery store may be a bit more effort to access but will result in a savings of $2 for the same product. The same idea applies for lending from a traditional source like a bank versus a nontraditional lender.

To learn more about our interviewee, visit:

https://www.my100bank.com/

James Fox, President, Maddox Group

By Max Crampton-Thomas

2 min read October 2019 — To be successful in the construction industry, a company needs to be flexible and cognizant about the sector’s constant state of change. A construction company also needs to be wary that even with new technologies in the market, at the end of the day, there is no way to control unforeseen issues and challenges. James Fox, president of Maddox Group in Boca Raton, discussed these ideas with Invest: as well as how his company is ensuring it remains as recession proof as possible in preparation for an eventual economic dip.

With which business sectors are your services most in demand?

The sector where we’re seeing the most demand is, first and foremost, corporate interiors. Second would be medical offices, then industrial and finally retail. The demand for medical offices seems pretty self-explanatory: retired people relocate to Florida and enjoy the weather, which ultimately increases the need for more medical services. In regards to the demand for more corporate offices, the trend seems to be going toward Palm Beach County due to the simple fact that, in comparison to Miami, there’s more land and more opportunity here now.

How have you seen the demand for office types change?

Traditionally a typical build-out would consist of new ceilings, new flooring, new lighting and specified work stations. Today’s young entrepreneur is building offices that aren’t really offices; rather, they are 360-degree workspaces where there isn’t an emphasis on a desk or workspace belonging to any one individual.

How has new technology changed the construction industry?

In our industry there are always new technologies popping up to make construction quicker, but at the end of the day it’s still construction. The fact is that you’re building things, and issues are going to arise that are out of anyone’s control. What we do is tell our clients that this is our schedule and barring any unforeseen challenges you’ll be able to move in by this date. But like I said, things happen, and technology can’t always help avoid them.

How do you best protect your business in the case of another economic slowdown?

Everybody wants to talk about when things are going to come back to reality in the construction market. People can theorize but no one actually knows. My thought process is to stay recession proof. Doing interior build-outs has been the key to this. When the economy dips, businesses don’t have the capital to relocate and build a new office; instead, they will take the space they are working out of and change the interior. Instead of going out into the market and claiming we do 20 different things, we focus our efforts on interiors and it works for us.

To learn more about our interviewee, visit:

https://maddoxgc.com/

Spotlight On: Lisa Scott-Founds, President & CEO, Winterfest Inc

By Max Crampton-Thomas

2 min read October 2019 — The Broward County community is spoiled for choice when it comes to events in the area, as there is seemingly something happening every week, even in winter. The seventh-largest spectator event in Florida is the Seminole Hard Rock Winterfest Boat Parade, to be held this year on Dec. 12. Invest: spoke with President and CEO of Winterfest Inc Lisa Scott-Founds about the importance of innovation to the event, how they ensure safety and the role the Boat Parade plays in the tourism economy of Broward County.

How important is consistent innovation to the success of the event?

We always want to integrate the newest technology into our event, like the use of holograms, which we hope is a real possibility for this year. As a nonprofit organization, we are always searching for unique additions to our event that are not cost-prohibitive. We are always asking people, “What is something that you’ve never seen us do before?” We take their suggestion, develop a budget to execute the idea and bring it to our board and possible sponsors to help with underwriting the “new wow-factor idea.” It’s amazing what can happen when you bring together creative minds and supporters in the business community. The entertainment value is the most important element for our success to ensure we continue to be the “Greatest Show on H2O” and the seventh-largest spectator event in the state of Florida.

How do you ensure safety at an event like Seminole Hard Rock Winterfest Boat Parade?

We work with all our law enforcement officials — the United States Coast Guard, Broward County Sheriff’s Office, Fort Lauderdale Marine Patrol, Fort Lauderdale Police Department and the Fire Department. When putting on an event of this caliber, safety is the No. 1 priority. Those who participate in the parade are educated on all our safety procedures. We send them messages on a daily basis to always be conscious of how important it is to keep safety first when you are on the water. As a parade on water, Winterfest needs to have proper procedures in place. Unlike a land parade; you can’t just hit a brake on a boat to stop. Spectators within our Grandstand viewing area see signs directed toward their safety as well.

What role does the Boat Parade play in the tourism market within Broward County?

There is nothing like the Seminole Hard Rock Winterfest Boat Parade in the entire world. The beginning of December is a little slower for tourism, as opposed to other months when tourism in South Florida sees a boom, so we feel a responsibility to bring people into the region and put heads in beds. Our success is due to collaboration with organizations like our Greater Fort Lauderdale Convention and Visitors Bureau and working with area hotels. Tourists should experience a Winterfest weekend, a show at the Broward Center for the Performing Arts, eat at our restaurants and immerse themselves in our community. There is just so much to do in Fort Lauderdale, and in Broward County for that matter.

To learn more about our interviewee, visit:

https://winterfestparade.com/

A Show 60 Years in the Making

By Max Crampton-Thomas

2 min read October 2019 — Oct. 30 to Nov. 3 are probably the most important couple of days for the city of Fort Lauderdale and for Broward County. Over the course of these five days, the city opens its doors to over 110,000 boating enthusiasts from around the world representing over 50 countries, all here for the purpose of attending the Fort Lauderdale International Boat Show. While this event is always a highlight for the year, this year has special meaning: it’s the 60th anniversary for the Boat Show.

The success and longevity of the event comes as no surprise as Fort Lauderdale has been dubbed the “Yachting Capital of the World” with its economic roots deeply cemented in the marine industry. This event is not just a chance for visitors to see these boats up close and personal; it serves primarily as a platform for yacht brokers and various other exhibitors to showcase their marine products and services.

The economic benefits to the region brought on by a boat transaction cannot be understated, and were highlighted by Paul Flannery, executive director for the International Yacht Brokers Association, when he spoke to Invest:. “A boat is an economic engine for the community. When a boat comes to a community, 10% of the value of that boat is injected into the local economy on a yearly basis. When there is a transaction involving a boat, an additional 13% of the value of that boat is injected into the local economy in the first year after the sale,” Flannery explained. He continued: “When a person wants to sell their boat, then we need to make sure they know that there is no better place to do business than South Florida, the yachting capital of the world. The impact of that boat sale happening in South Florida benefits the local economy through the yacht broker and marina owner, as well as all the people engaged in that transaction.”

The show this year will not only feature the debut of the show’s largest megayacht, Madsummer, it will also include the 2nd Annual Sunset Soiree and Yacht Chef Competition, a superyacht village and a mansion yacht. Perhaps most unique about this year’s event is the FLIBS 4 Bahamas initiative that will be in support of the Bahamas relief efforts in the Abacos and Grand Bahama, two of the islands devastated by Hurricane Dorian. The proceeds from both the raffle of a Pioneer Sportfish 180 and the Yacht Chef Competition will be going directly to charities working on hurricane relief for the islands.

With more than $4 billion worth of product on display at the Boat Show, the event has not only become a staple for the South Florida community, but the global marine community as well. The event is owned by the Marine Industries Association of South Florida, whose CEO and President Phil Purcell perfectly summarized to Invest: just how important the Boat Show is to the region. “We are the refit and repair capital of the world, the yachting capital of the world. When you think of Fort Lauderdale International Boat Show’s impact on the state of Florida, it generates an $857 million economic impact, with 110,000 visitors from 52 countries around the globe. Keep in mind that $100 million a day changes hands in sales during the five days of the show. The marine industry has an economic value to Broward County of $8.9 billion.”

To learn more about our interviewees, visit:

https://www.flibs.com/en/home.html

https://www.miasf.org/

https://iyba.yachts/

Spotlight On: Sal Saldana, General Manager, Town Center at Boca Raton

By Max Crampton-Thomas

2 min read October 2019 — The world is changing rapidly thanks to technology. For certain segments of business this means changing with the times or risk falling into obscurity. The traditional mall has become one of these segments, and with the rising popularity of e-commerce, the need for innovation is at an all-time high. One of the malls that recognized this early on was Town Center at Boca Raton, whose General Manager Sal Saldana spoke to Invest: about the mall’s successful longevity in the market, how it is handling the challenge of evolving customer demands and how it is innovating its business model to become much more than just a shopping center.

How is Town Center at Boca Raton a staple for Palm Beach County?

This mall is a regional shopping center that is owned by Simon Property Group. It has been in the Palm Beach County area for a number of decades, and over that period of time there has always been an emphasis on making sure it always meets the quality and brand recognition of Boca Raton and Palm Beach County. The mall is an extension of Boca Raton, which is known for its beauty, quality of life and wealth. It also has an international flavor because it houses some of the most widely recognized and regarded retail shops. Overall, the mall is an important asset to the community, and will continue to be for the foreseeable future.

What has been the key to Town Center’s longevity and success in the wake of an e-commerce-centric world?

Simon Property Group is an amazing company and has a phenomenal group of shopping centers nationwide. We have been able to really cater to the community and meet its needs and demands from a domestic and international standpoint. We also have the resources to continue improving our operations and attractions. What we do is make sure that we are meeting and surpassing the expectations of a traditional mall. We maintain a very high standard of what we are because we are not only a shopping center, we are also an entertainment destination.

What challenges is Town Center facing, and how are you mitigating those challenges?

We are always looking to see how we can improve customer experience, and in this business there is the challenge of keeping up with the times while making sure that we meet customers’ demands. Our competition now comes in many forms, whether that is the internet or a direct competitor in the region. We always want to be projecting new and improved, and this isn’t always necessarily a challenge, but more of an opportunity. To be successful, we have to have a team that is always thinking of what we can do next to make sure that we are staying ahead of the curve. For instance, we are adding a 1,600-square-foot recreational space called PLAY that will feature a combination of seating and interactive play elements inspired by local waterways and waterfronts. Everybody that we work with has to be on the same team and have a philosophy of approaching this shopping center as a five-star resort.

To learn more about our interviewee, visit:

https://www.simon.com/mall/town-center-at-boca-raton

Spotlight On: Keith Koenig, CEO & Chairman, City Furniture/Broward Workshop

Can Demand Meet Supply?

Spotlight On: Tansy Jefferies, Principal, International Tax Services, RSM US LLP

Spotlight On: Jesse Flowers, Community President, CenterState Bank

Spotlight On: David Druey, South Florida Regional President, Centennial Bank

James Fox, President, Maddox Group

Spotlight On: Lisa Scott-Founds, President & CEO, Winterfest Inc

A Show 60 Years in the Making

Spotlight On: Sal Saldana, General Manager, Town Center at Boca Raton

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