carlsbad business journal -march 2015

Growing your business with a sense of family and community

Towards the end of 2014, you may have noticed that construc-tion on the Carlsbad Desalina-tion Project reached the corner of Faraday Avenue and El Camino Real, right in front of the Silver-gate Bank Carlsbad branch location.

VP/Branch Manager Ted Peña took this opportunity to refresh the bank’s appearance with some tree trimming, new asphalt and a fresh coat of paint.

“We even relocated the ‘For Lease’ sign in front of our build-ing so our current and future customers knew we weren’t

going anywhere,” said Peña, who joined Silvergate Bank this past September after a 38-year career as a business development professional, business owner and consultant.

Besides the exterior improve-ments, the Carlsbad branch has strengthened its team with experi-enced and friendly team members to better serve its customers.

“I’m delighted to be a part of a terrific branch team led by Sarah Davis, branch service manager and cash management expert who moved from Silver-gate Bank’s corporate office to Carlsbad last summer. We joined Karen Lindberg, customer service supervisor who has been with the bank since the branch’s opening in 2011. Mayra Saray, universal banker, joined the Carlsbad team this past summer, bringing 10 years of banking experience and providing strong bilingual skills,” added Peña.

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SEE SILVERGATE 2

AN AWARD-WINNING, MONTHLY PUBLICATION OF THE CARLSBAD CHAMBER OF COMMERCEVOL. 32, NO. 3 MARCH 2015

CONSTRUCTION RAMPS UPWhat the return of speculative building means for Carlsbad’s economy

14

Silvergate Bank gets a makeover inside and outBUSINESS SPOTLIGHT

Silvergate Bank’s team includes, from left, Ted Peña, Sarah Davis, Rebecca Moore and Karen Lindberg. The surfing decorations were in-spired by the love that bank Chairman Dennis Frank has for the sport.

FORGING THE Carlsbad companies are working on the tech-nologies of the future. No, we don’t have companies working on flying cars or jet

packs (that we know of), but we have businesses that are working on technologies that could make “the future” a better place for us and our children. Here is a look at three companies whose work may change the way we do things.

5D ROBOTICSThis Carlsbad-based company

just celebrated its fifth anniversary last year, but their work on artifi-cial intelligence and robotics (they create software that goes into robots) could have tremendous implications in commercial areas, from package delivery to transpor-tation. The company’s software can be used across many platforms and allows humans to interact with robots intuitively and accurately manage their movements.

As a military contractor, 5D Robotics developed a way to make land mine detectors to tag IEDs more accurately, using ultra wide-band positioning and robotic behav-iors to provide reliable, safe and accurate naviga-tion. Its software allows robotic vehicles — from small wagon-sized rovers to 6,000-ton tanks, to follow at high speed, accounting for shifts in direction and even sudden stops.

“One of the things we realized is that the biggest challenge to provid-ing intelligent behavior to robots is position,” said the company’s CEO and Co-Founder David Bruemmer. He noted that while people might think GPS provides an accurate means for geolocation, it still leaves much to be desired, since it doesn’t work indoors and is too inaccurate for tasks that require a higher level of exactitude, such as landmine detection.

From software that makes robots smarter, to a reliable water supply, Carlsbad businesses are leading the way in innovation

SEE FUTURE, Page 8

BRUEMMER

Investing Carlsbad

in

BY JOSÉ A. LÓPEZ Photo illustration by Edgar Rodriguez

Starting on page 9

2 | WWW.CARLSBAD.ORG

Please join me in thanking your Board of Directors for spending a Friday and Saturday of their time and covering their own cost to attend our Board’s planning session. Our focus this year was on building and maintaining the sustainability of your Chamber, the 10th largest in the state and the second larg-est in San Diego County.

I am proud to report that the Chamber finished in the black in 2014, contributing a modest amount to our reserves.

At the intensive two-day planning session, the board focused on the Chamber’s key areas of operation, membership and the services and opportu-nities we provide to our mem-bers, our publications, and the special events we put on. After reviewing each of these items in detail, we shared dialogue on what we felt was working well and the areas that needed improvement.

We then distilled down five key focus areas and split into small teams to offer sugges-tions in each of those areas. The staff has captured the informa-tion and we will further discuss ideas with the full board in the coming months.

I would like to thank Mayor Matt Hall, Councilman Michael Schumacher, City Manager Steve Sarkozy and Assistant City Manager Kathy Dodson for pre-senting to our Board their vision for the City going forward and some of the challenges they face as a municipality. In

addition, we were happy to hear the results of the city’s survey, which showed tremen-dous satisfaction with city ser-vices and how our tax dollars are spent.

Lastly, I would also like to thank Carlsbad Unified School Board of Trustees President Veronica Williams and Vice President Claudine Jones for coming and sharing the work that the school district is doing to educate on children in the ever-challenging world of education.

It takes a high functioning City, Chamber, and education system to develop a world-class city. I believe that by all three groups collaborating and sharing information and how to support each other, we are well on that path.

I look forward to sharing more of the Chamber’s plans for 2015 as they develop.

INDEX

MEMBER DIGEST ........................ 15-18

CITY NEWS ................................. 5

VILLAGE BEAT ............................. 5

EDUCATION NEWS ...................... 7

REAL ESTATE ............................... 14

LEGAL UPDATE ............................ 6

ADVERTISING SPOTLIGHT INVESTING IN CARLSBAD ............ 9-12MEMBER MARKETPLACE ............. 13

Published monthly by the Carlsbad Chamber of Commerce. Subscription price is deducted from dues of Chamber members.

CARLSBAD BUSINESS JOURNAL5934 Priestly Drive • Carlsbad, CA 92008Ph. (760) 931-8400 • Fx. (760) 931-9153

[email protected]

DIRECTORS

David Bennett Tri-City Medical Center Joseph Charest Katz & Associates John Haedrich Tip Top Meats/European Deli Lupe Hairston Freedom Window Cleaning John Hanley Solatube Global Marketing, Inc. Tucker Hohenstein Colliers International Carlsbad Frank Idris LEGOLAND California Resort Brian Lee Wells Fargo Bank Rick Lemmo Caruso Affiliated Matt Leonard Edward Jones Peter MacLaggan Poseidon Water, LLC Larry Magor Omni La Costa Resort & Spa William Meade Jr., MD Activ8 Athleticism Trisa Mills TaylorMade Golf Company Niels Norby SD Trophy Ryan Perry Westfield Carlsbad Don Sando Strategic Results Group Don Schempp Torrey Pines Bank Carlsbad Michael Schroder Cal State San Marcos Lee Sterling Leon P. Sterling,

Commercial Tenant Broker Jeffrey R. Stoke, Esq. Procopio, Cory, Hargreaves & Savitch, LLP Tim Stripe Grand Pacific Resorts, Inc. Amber J. Ter-Vrugt Scripps Health Jim Valentine SDG&E Scott White New Village Arts

ADVISORY COUNCIL

Ofie Escobedo Lola’s 7-Up Mexican Market & Deli Suzette Lovely Carlsbad Unified School District Ryan Ross North County Transit District Sam Ross Visit Carlsbad Michael Schumacher City of Carlsbad Liaison Sandy Wilson Camp Pendleton

STAFF Ted Owen President & CEO Toni Padron Executive Vice President & COO Bev Jorgensen Vice President, Corporate &

Member Relations

AnnMarie Gabaldon Director of Sales & Marketing Bonnie Hoffman Business Services Manager José A. López Director of Communications/

Editor, Carlsbad Business Journal Kathleen Mandig Business Development Manager Scott Peltier Marketing Specialist Edgar Rodriguez Art Director Kathy Steffen Member Services Manager

ASSOCIATES Carlsbad Business Journal Printing Advanced Web Offset

MISSION STATEMENT “The Carlsbad Chamber of Commerce promotes business through member services, educational programs, cooperative partnerships and legislative advocacy that balances economic prosperity with the quality of life.”

OFFICERSCHAIRMAN OF THE BOARD

John Osborne AT&TCHAIRMAN ELECT

Carmen Rene Carmen Rene, CPATREASURER

John Lechleiter AKT, LLPVICE CHAIR OF PUBLIC POLICY

Michael Howes, AICP Howes, Weiler and AssociatesVICE CHAIR OF ECONOMIC DEVELOPMENT

Ahmed Haque NRG Energy, Inc.VICE CHAIR OF BUSINESS

& COMMUNITY DEVELOPMENT Deb Beddoe YourOpsManager

VICE CHAIR OF STRATEGIC PLANNING Lou Storrow Storrow Law, APC

PAST CHAIR Carlton Lund The Lund Team

TED OWEN

WORDS OFWISDOM

President & CEO CARLSBAD CHAMBER OF COMMERCE

We hear you, and we like what you’re saying

Every year around this time, our Board of Directors and our executive staff chart the course for the Cham-ber for the year to come. We do this over the course of a weekend, at a strategic planning session in which we determine what’s working, what needs work and what we need to get rid of to better serve our members. You can read more about what hap-pened at this session by reading the column by our Board Chairman John Osborne on this page.

I would like to share with you the results of our 2015 Membership Services Survey, which the Cham-ber sent out ahead of the planning session. I want to thank all of our members who took their time to answer the questionnaire. It was valu-able input that really helped to inform our discussion.

We asked the respondents to rank the challenges that most impact their business. Profitability and growth finished as the top challenge, with 53 percent of those who filled out the survey citing this at their top chal-lenge. Competition followed closely by exposure were the next two chal-lenges cited, followed by employment issues, local regulations and taxes.

When we asked you what the main purpose of our Chamber should be, nearly 48 percent of respondents said member services should be the Chamber’s top pri-ority. This was followed by Economic Development (28 percent), Commu-nity Development (11 percent) Advo-cating for Public Policy (8 percent).

When we asked you to rank the top three services that we as a Chamber offer our members, 65 percent ranked this publication, The Carlsbad Business Journal, as the Chamber’s top service. Our workshops and professional develop-ment seminars were second with 58 percent followed by our website with 41 percent.

We asked you how satistied you were satified you were with our staff and almost 99 percent of respon-dents said they were satisfied with the services we provide, with more than 40 percent citing their level of satisfaction as “excellent.” That’s probably the reason why 85 percent of you said you would be likely or extremely likely to recommend the Chamber to another business.

As the Chamber’s president and CEO, I am happy with the results, but not satisfied. The board, Chamber staff and I see this as an opportunity to improve and look forward to the challenge of taking this Chamber from good to great in 2015.

Finally, there are a couple of things I would like to bring up, thoughts that came to my mind as I reviewed the answer of those who responded. The first is, how can we as a Cham-ber help you be a more engaged Chamber member? The survey had some great ideas, but many who answered indicated that they don’t take full advantage of their Chamber membership.

Finally, I would like to ask you not to wait for our annual survey to reach out to us if you have any questions about your membership. I realize that like most businessowners, you are all busy growing your business, but we’re here to help. Call us or email us. Ask us questions. We want the opportunity to improve our services to you.

The Carlsbad Chamber of Commerce’s Board of Directors held an intensive two-day planning session to chart the organization’s course for 2015.

JOHN OSBORNE

FROM THECHAIRMAN

Chairman of the Board CARLSBAD CHAMBER OF COMMERCE

Chamber board of directors plans course of action for ‘15

The Chairman’s Circle was created to give prominent recognition to the companies whose steadfast support has helped the Chamber remain a proven collaborative force that brings business and community together, energized by a shared vision and passion to transform our future.

BENEFITSIn addition to visibility in the Carlsbad Business Journal, marketing materials and event programs, Chairman’s Circle members enjoy a range of benefits tailored to their specific needs. Chairman’s Circle

members also receive priority seating at chamber events and invitations to special Chairman’s Circle Members-Only receptions.

We invite all chamber member companies who are committed to the success, growth and prominence of the Carlsbad Chamber of Commerce and the region as a whole to arrange for a visit to discuss the benefits and privileges of The Chairman’s Circle.

To learn how you can join Chairman’s Circle please contact Toni Padron at 760-931-8400.

THANKS FOR YOUR CONTINUED SUPPORT

CHAIRMAN’S CIRCLEd d

CARLSBAD BUSINESS JOURNAL MARCH 2015 | 3

Carlsbad hotels earn kudos for stellar serviceCarlsbad hotels continue the city’s reputa-

tion as a top vacation destination by earning top awards for their amenities and services.

Park Hyatt Aviara Resort has received a Five-Star rating from Forbes Travel Guide in its annual Star Rating list for its highly personalized service, quality amenities and ability to create enriching and truly memo-rable experiences for guests.

“We are truly honored to receive Park Hyatt Aviara’s first Five-Star rating from Forbes Travel Guide,” said Park Hyatt Aviara General Manager Ulrich Samietz. “This pres-tigious accolade is a tribute to my incredible colleagues who work tirelessly to ensure a high level of excellence. Their priority is to engage each guest, anticipate needs, and go beyond guest expectations to ensure a memorable Park Hyatt Aviara experience.”

The resort has made significant enhance-ments to the resort over the last few years. It underwent a comprehensive multi-million dollar renovation in 2013 that modernized its 327 guestrooms and casual dining res-taurant, California Bistro, in addition to creating several outdoor living spaces such as fire pits where guests can socialize over a glass of wine complemented by views of the Pacific Ocean.

West Inn & Suites was named one of the best hotels in the country in the 2015 TripAd-visor’ Traveler’s Choice Awards, based on its

notable service, accommodations, location and family-friendly amenities.

West Inn & Suites was recognized as the #12 best family hotel in the U.S. and was one of only five properties in California to make top honors; it was also the only family hotel in San Diego to make the list, and one of only three San Diego properties to make the ranks throughout TripAdvisor’s 2015 “best of” lists in total.

“We’re thrilled to be among the best family-friendly hotels in the country for the seventh year in a row,” said Kim Akers, vice president of West Hospitality. “And even better, receiving this recognition based on our guest’s unsolicited personal reviews means we are succeeding in providing thou-sands of travelers with the memorable San Diego vacation our staff continually strives to create.”

Carlsbad Inn Beach Resort & Hotel, meanwhile earned the RCI Gold Crown Resort designation by RCI, the worldwide leader in vacation exchange. The award celebrates resorts that have high levels of excellence in resort accommodations, hos-pitality, and member experience ratings as measured by RCI.

Carlsbad Inn Beach Resort & Hotel consis-tently receives glowing reviews from owners and guests, who appreciate the resort’s ocean-front accommodations and heartfelt service.

David Brown, Co-President of Grand Pacific Resorts, the resort management company for Carlsbad Inn Beach Resort, commended the resort saying, “RCI has confirmed what we already knew—that the team at Carlsbad Inn Beach Resort & Hotel

is one of the best in the industry. From the warm welcome you receive at check-in to the rich activities program, our associates in Carlsbad are going above and beyond to deliver memorable moments to our owners and guests.”

Tri-City Medical Center officials have taken first steps to redevelop the Oceanside hospital by building a new emergency department and parking garage, as well as conducting upgrades that will enable the hospital to comply by 2030 with seismic safety standards that have been established by the state.

At its February meeting, the hos-pital’s board of directors have given CEO Tim Moran the go-ahead to hire an architect to design the project,

which will also include a redesign and expansion of two Neonatal Intensive Care Units (NICU) and the obstetrics department.

“The Board desires an updated plan which will meet the health care needs of our citizens due to the ongoing changes in healthcare needs for the future as well as addressing the seis-mic requirements that must be met by 2030,”said District board Chairman Larry Schallock.

The designs make up the first phase of a multi-phase approach to campus redevelopment.

“The Emergency Department is a key area of concern and one of our high-est priorities, which are always patient safety and timely access,” Moran said. “In addition, our new facilities will need to ensure patient privacy and comfort, provide easy parking access for the elderly and handicapped, and meet the needs of our employees.”

Tri-City gets ball rolling on redevelopment

Park Hyatt Aviara Resort has received a Five-Star rating in Forbes Travel Guide’s annual Star Rating list.

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Now that 2015 is in full swing, and we haven’t kicked our New Year‘s resolutions yet, it’s the perfect time to cleanse the mind, body and soul. Carlsbad Village is just the place to start or con-tinue leading a healthy lifestyle. With our abundance of outdoor activities, an array of fitness stu-dios and tons of healthy dining options, the Village helps make living well easy and fun!

The Main SqueezeFresh, cold-pressed juices full

of nutrients and antioxidants are all the craze right now, and the Village as a few places to get your fix. Choice Superfood Bar & Juicery has rapidly captured

the hearts and stomachs of Vil-lage locals with their cold-pressed juices, bowls and smoothies. On Carlsbad Village Drive, Beach City Smoothies has been serving 100 percent vine-ripened fruit smoothies, organic wheat-grass and fresh juices for more than seven years.

Body + Mind The Village has no shortage

of options to clear the mind and work out the body, from Pilates to dance. Places like Yoga Bound yoga studio and Fit in 60 Pilates and Barre are perfect examples of friendly, community-driven facili-ties to get centered.

Food for ThoughtCarlsbad Village offers a

wealth of restaurant options that happily fuel your next health-filled eating adventure. Keep the Naked Café in mind when searching for feel good food. The neighborhood locale invites guests to feed their bellies

and their souls for breakfast and lunch in an eco-friendly, sit-out-and-enjoy-the-sun environment. Local favorite, Swami’s Café, has been a staple for delicious, healthy eating for years. Their wraps, salads and outdoor patio take healthful dining to a taste-ful level.

From Piloxing classes to super-foods, it’s an exciting time to feel your best in Carlsbad Village. Make 2015 a swell year for you; with Carlsbad Village as your advocate.

Check Carlsbad-Village.com for free wellness activities throughout March.

Westman can be reached at [email protected].

ASHLEY WESTMAN

VILLAGEBEAT

Project Manager URBAN PLACE CONSULTING GROUP

One of the City of Carls-bad’s important responsi-bilities is to provide the best possible climate for local businesses to succeed. To check on how we are doing that job we survey busi-nesses to see what we’re doing well and where we need to provide more support.

At the end of 2014, Carls-bad-based BW Research sur-veyed 476 firms regarding the Carlsbad business cli-mate, how the businesses view their opportunities for growth and how well the city serves them. The results were revealing.

More than four out of five Carlsbad businesses surveyed — 85 percent — believe the city is a good or excellent place to do busi-ness, with 45 percent rating the city as “excellent.”

The employment climate for the foreseeable future looks positive, with 29 percent of businesses sur-veyed saying they expect to increase their workforce during 2015, and 61 percent

saying they will remain stable. Less than 3 percent said they would reduce their workforce, with the rest uncertain.

And in a strong endorse-ment of their local govern-ment, nearly three out of

four businesses — 73 per-cent — say they have confi-dence in the city’s ability to make decisions that have a positive effect on the local business climate, with 25 percent saying they are “very confident” in Carlsbad gov-ernment’s ability.

One focus area of the City of Carlsbad Economic Development Department is talent recruitment, because businesses report that hiring

and retaining qualified can-didates is a challenge. So it was no surprise when more than a third of survey respondents — 36 percent — reported “some” or “great” difficulty in hiring, with 7 percent reporting “great difficulty” finding qualified applicants. Thirty-seven percent reported little or no difficulty, and 27 per-cent expressed no opinion.

To better align the busi-ness needs for talent and fill the gap, the city created the “Life In Action” talent attraction campaign in 2014. It builds awareness of the global companies located

here and provides a portal of information for recruit-ers and talent specialists. We will continue our efforts to promote our businesses through the Life In Action brand over the next few years to build success.

The survey also asked about the importance of an institute of higher learning as a recruiting aid, and more than half of the respondents said an institute would be

very or somewhat valu-able. Those who favor such an institute indicate they would prefer a partnership with a university to train cur-rent employees and offer a master’s degree in a specific academic field.

Clearly, we know talent recruitment is a concern, so the City of Carlsbad is pursu-ing a higher education initia-tive aimed at attracting an institution of higher learn-ing that can offer programs that align with the city and region’s business needs. The city has hired an experienced team of consultants to help in this pursuit.

The city has also partnered with MiraCosta College on a new Technology Career Institute that will open this spring, where experienced instructors will train work-ers to fill a growing demand for industrial technicians in North San Diego County. The Technology Career Insti-tute will be colocated in a city-owned building with the North County Small Busi-ness Development Center to help existing businesses with resources and train talent in new skills.

An important component of a city’s economic portfo-lio is industry clusters, which help create wealth by draw-ing customers and revenue from outside the region. In this way Carlsbad’s five industry clusters — action sports manufacturing, life sciences, cleantech, enter-tainment and hospitality, and information and com-munications technology

— help drive Carlsbad’s economy.

Four of these five clus-ters experienced growth between 2010 and 2014, with cleantech, life sci-ences, and entertainment and hospitality each grow-ing by 15 percent. Action sports manufacturing grew by 2 percent, and informa-tion and communications technology remained about the same. ViaSat, one of the city’s largest employers and a vital member of the infor-mation and communications technology cluster, has seen tremendous growth into 2015 and we expect these numbers to increase.

About two-thirds of busi-nesses surveyed said they were satisfied with their access to clients and cus-tomers, and three-fourths

said they were pleased with local roads and the trans-portation system. Forty-five percent said they were very or somewhat satisfied with the local regulatory climate, with one-fourth expressing no opinion. Twenty percent said they were “somewhat” or “very” dissatisfied.

Finally, an overwhelm-ing majority of businesses expressed a high degree of satisfaction with Carlsbad’s quality of life, with 95 per-cent saying they are either very or somewhat satisfied. Three out of four participants said they were “very satis-fied” with Carlsbad’s quality of life. The full report is be available on the city’s eco-nomic development website, www.CarlsbadLifeInAction.com/Business-Survey/

The employment climate for the foreseeable future looks positive, with

29 percent of businesses surveyed saying they expect to increase their workforce during 2015, and 61 percent saying they will remain stable. Less than 3 percent said they would reduce their workforce, with the rest uncertain.

Local businesses give Carlsbad high marks

CHRISTINA VINCENT

CITYNEWS

Economic Development Manager CITY OF CARLSBAD

All is (s)well in Carlsbad Village

Rubber seal will give Carlsbad streets a makeover

The City of Carlsbad will resurface portions of some major roadways and neighborhood streets during the next several months as part of the city’s annual program to keep the streets free of cracks and potholes. In a proj-ect that began in January, work crews are preparing streets for a thin coat of asphalt that seals surfaces in a process called “slurry sealing.”

The process involves patching the surface to remove cracks and other defects, then applying a layer of rub-berized asphalt concrete to the sur-face. Streets are selected based on their condition.

The project will begin next month and will affect seven roadways:

• Calle Barcelona between El Camino Real and Rancho Santa Fe Road.

• Carlsbad Village Drive between Concord Street and Tamarack Avenue.

• Madrilena Way, Lucia Court, Bolo Place, Pendon Court and Plazuela Street in La Costa.

Some streets in northwestern Carlsbad are due for slurry sealing this year, including Garfield Street between Pine and Tamarack avenues, and many of the streets that cross Garfield between Carlsbad Boulevard and the coastal railroad tracks.

Source: City of Carlsbad

For a nomination form, visit www.carlsbadca.gov or call 760-434-2830.

Do you know someone in the City of Carlsbad who deserves special recognition for outstanding community involvement?

Citizen of the Year Nominations being accepted through March 31


Why hire employees when you can use an “indepen-dent contractor” under IRS Form 1099? Isn’t it easier to avoid withholding, sick leave and other risks by just hiring contract workers instead?

Businesses who follow this line of reasoning often find themselves on the wrong end of government agency complaints or lawsuits.

It takes more than a con-tract to make a contract employee

Even if you and the worker agree that he or she is an independent contrac-tor, a government agency or a judge can take that agree-ment and throw it in the trash if they think the worker was really an employee.

To make it worse, the rules are different under federal

and state law, and under different agency regula-tions. The IRS looks at 20 factors, the Employment Development Department looks at about ten factors, but in certain industries (real estate, home health care, computer services, barber-ing, newspaper distribution, and others) there are special regulations. The Labor Com-missioner has a definition in its Wage Orders, and courts

make decisions based on court precedent.

The key factor is the right to control how the job is done. Regardless of whether the hiring party actually exer-cises that control, the mere right to do so makes the worker an employee.

If you misclassify someone as an independent contrac-tor, you could be liable for withholding, social security and tax payments, and fines of up to $15,000 or more. A misclassified worker could claim an injury that your workers compensation policy won’t cover. He or she could also claim overtime you never tracked. The fact that the worker agreed or even demanded to be inde-pendent will not prevent him from suing you!

Greg B. Goates, MAPresident

Phone: 760.519.9360 w Fax: 760.753.9380Email: [email protected] w Web: www.goatesconsulting.com

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It takes more than a contract to make a contract employee

LOU STORROW, ESQ.

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Attorney STORROW LAW, APC

CELEBRATE EXCELLENCE IN EDUCATION BY HONORING LOCAL TEACHERS.

Each year the business community comes together to recognize the best and brightest academic programs. To sponsor a school, purchase a corporate table or for more information, call (760) 931-8400 or visit www.carlsbad.org.

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If you misclassify someone

as an independent contractor, you could be liable for withholding, social security and tax payments, and fines of up to $15,000 or more.

Stack the Deck in Your Favor

Of all of the factors courts use to classify employees and contractors, several stand out:

• If you have the right to terminate at will, most likely you are an employer

• If the worker does not operate a separate busi-ness, he is most likely your employee

• If the work is some-thing that’s part of your business and not a separate occupation, then it’s likely the person doing it is your employee

Take an honest look at

the work. Are you contract-ing for a computer expert to set up the network in your accounting office? Or are you contracting for a “Word expert” to do your regular typing, filing and general office work? The first example is probably an independent contractor, the second one is probably an

employee.In a close case, get pro-

fessional advice! Call your attorney or your CPA – but remember the rules may be different for tax purposes than for wage and hour cases. You can even ask the IRS or EDD for a deter-mination, but they’re not guaranteed and may not

protect you from a wrong classification. If there’s any doubt, you’re safer presum-ing you have an employee. Of course, you may decide to take the risk – but that’s your job as a business owner, isn’t it?

Storrow can be reached at [email protected]


Although only in its second year, Sage Creek High School (SCHS) is well on its way to offering a com-prehensive STEM (Science, Technology, Engineering, Math) curriculum for stu-dents who want to pursue careers in these fields. SCHS launched a biomedical sci-ence pathway last year, and has started up its engineer-ing pathway this school year.

Through support from the Carlsbad Educational Foun-dation, the SCHS Founda-tion and the district, SCHS has implemented “Project Lead the Way” curriculum to integrate academic skills with challenging, hands-on career experiences. Led by Valerie Park, SCHS’s Career Technical Education chair-woman and Tommy Gavilan, an engineering teacher, stu-dents have the opportunity to explore careers using equipment and technology designed for college and industry. In an engineering class, for example, students might be using CAD for mea-surement or graphic design. Biomedical students might

use EKGs or blood pressure readings to explore what these measurements mean to health care professionals.

“The PLTW biomedical sciences career pathway has shown me some of the greatest wonders of innova-tion and science,” says Alex Baratti, a student. “But per-haps the greatest innovation is the one humans didn’t create — the human body. I’ve learned how the body works together and how it performs amazing things that no computer could pos-sibly do. I want to create a startup that combines technology and medical to allow people to take control of diabetes.”

In 2016-17, when SCHS welcomes its first senior

class, students will be partici-pating in a capstone course which will incorporate internships and workplace experiences in their fields of choice.

According to Cesar Morales, SCHS’s princi-pal, nearly 50 percent of Sage Creek’s students are participating in either the

Biomedical or Engineering STEM program.

Over at Carlsbad High School, teachers Jeff Brand-meyer, Shawn Jones, and Alexa Livingstone have pioneered another creative model for teaching stu-dents a rigorous academic curriculum while preparing them for careers. Integrating

their academic knowledge with their love of film, these teachers have developed the CHS Film Academy. Students take English 2 and 3 and World and U.S. History with a film emphasis--studying a rigorous core curriculum while learning how a film works, how to construct a story, and how screenplays are written.

In their junior and/or senior years, students also take a Filmmaking class, where they create their own films.

Students make their own silent films, music videos, commercials, and films of their own choice. The pro-gram has obtained equip-ment such as cameras, light-ing and sound equipment, green screens, and movie-making software, including Final Cut Pro.

The CHS Film Academy students are learning about film from both sides of the camera, and developing skills that will be assets if they go on to attend film schools or pursue careers in the film industry.

Both SCHS’s Biomedical and Engineering programs and CHS’s Film Academy are looking forward to working with the local business com-munity to develop mentor-ships and internships for their promising students.

Additionally, CUSD is cur-rently in the process of join-ing with 15 of the 18 high school districts in San Diego County and all five commu-nity colleges to submit an application for a California Career Pathways Trust grant. This grant would unite high school and post-secondary institutions with a focus on preparing students in unique ways with the cutting-edge skills needed to be successful in college and careers.

It will connect all par-ticipants with business and industry partners. Most importantly, the Career Path-ways Trust grant engages K-12 and higher education in a commitment to devel-oping excellent connections between education and the world of work to better pre-pare our students for the careers of the future.

SUZETTE LOVELY, ED.D.

CARLSBADSCHOOL NEWS

Superintendent CARLSBAD UNIFIED SCHOOL DISTRICT

Career academies offer pathway to the ‘real world’

Cal State San Marcos celebrates 25 years of serviceFrom humble begin-

nings as a chicken ranch to becoming a bold, innova-tive university with a for-ward focus, California State University San Marcos turns 25 this year. To mark the milestone, the University is hosting a yearlong series of programs, activities and sig-nature events.

At her 11th annual Report to the Community on Thurs-day, Feb. 5, CSUSM Presi-dent Karen Haynes noted that the school is no longer this region’s best kept secret. The event, which drew approximately 600 regional and civic leaders to a tented pavilion on campus, served as the public launch of CSUSM’s 25th Anniversary celebration.

“The secret is out—we are the place,” she said. “We are military friendly…we are a model employer…we are a diverse campus…and we are a community engaged institution!”

From small class sizes and hands-on learning experi-ences that emphasize the success of each individual student, to unique pro-grams that create a college-bound culture for K-12 students throughout the region, to the university’s distinguished faculty who are actively engaged in vital research, Haynes described the countless ways that CSUSM is uniquely poised to meet the demands of the 21st century.

“For 25 years there has been great synergy between our university and our region,” she said. “We have literally grown up together, coming of age as we have helped create and were fed by these businesses, orga-nizations, schools, neigh-borhoods and cities. Now, as we celebrate 25 years of regional impact, not only do we reflect on our collective accomplishments but we are compelled to consider the future.”

Despite being only 25 years old, Haynes declared that it is CSUSM’s youth that will help leverage its lead going forward.

“Our youth allows nimbleness and our cul-ture embraces change,” she reflected. “Even when the challenges seem

insurmountable, we do things our way and we get them done. We aren’t just ‘chalk and talk’ but future-focused on real solutions to real problems.”

In her remarks, Haynes discussed seven pressing issues from educational access to regional workforce needs, to globalization and climate change, that empha-sized how CSUSM is future-focused on real solutions to real problems.

“At Cal State San Marcos we have set our goals to be ready for our future,” said Haynes. “Since our found-ing 25 years ago — through imagination, creative think-ing, partnerships, research and our unique approach — we have gone beyond what even we expected.”

Haynes also underscored that CSUSM will continue to be ready for whatever the future brings while striving to be a model institution of best practice, indicating that CSUSM’s region and stu-dents deserve nothing less.

“Last year I told you that

CSUSM President Karen Haynes delivering the 11th annual Report to the Community on campus on Thursday, Feb. 5.Photo Provided by Esteban Robinson

DR. PATRICIA L. PRADO-OLMOS

HIGHERLEARNING

Vice President of Community Engagement CALIFORNIA STATE UNIVERSITY SAN MARCOS

Students take part in a Principles of Biomedical Sciences class at Sage Creek High School.

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For more information on 25th Anniversary events and programs, we invite you to visit: www.csusm.edu/25.


The company uses ultra radio tags that create refer-ence points, which can be used to digitally mark ter-rain by a difference of only 5 centimeters in areas where GPS will not work.

Outside of the military, Bruemmer said, the software could have a great impact on commercial applications.

“5D is about making intel-ligent and reliable position-ing,” Bruemmer said. “We can support a wide variety of novel applications.”

For example, he said, the driver of a snowplow who can’t see in a blizzard might be able to clear paths through the snow if tags are set up on the road, providing the information on the wind-shield with an augmented reality display.

“Ultimately, it means the whole automation of vehicles becomes easier,” Bruemmer said.

The technology could also be used for safety and security in large facilities. For example, a petrochemical plant can give their employ-ees tags that are connected to sensors that — in the case of an emergency like, say, an ammonia leak — allows the company to keep track of its workers. It can also be used to make sure only those authorized to be in a secure area can access it. The technology could also be used to automate lawnmowers.

But ultimately, Bruemmer said, his company’s biggest market might be providing a

new form of transportation — he called it “shared intel-ligent mobility” — which would be a network of pods that can come to you to pick you up and drop you off at your location. Pods would be able to communicate with each other and coordinate their positions. Bruemmer said these could be tested in environments where they make sense, such as airports or senior care facilities.

POSEIDON WATERWhile turning to the sea

to create drinking water is not a new or unproven con-cept — the technology has been credited with helping Israel get rid of its water worries by providing nearly half of its drinking water — Poseidon Water’s Carlsbad Desalination Project feels like a step toward the future.

Peter MacLaggan, Senior Vice President of California – Project Development for Poseidon Water, said that by providing San Diego with its own drought-proof supply of drinking water (officials believe that the project, which is scheduled to open this fall, will provide up to 7 percent of the region’s water supply) the local desalination project will be a step toward reversing our area’s procure-ment of water.

“ S a n D i e g o C o u n t y is at the end of a l e n g t h y s y s t e m that goes from the Colorado River in Northern California,” MacLaggan said. While

the system has served well during the years, conditions like drought, population increase and competing water uses for agricultural, urban areas and fisheries has put strains on the system.

“RIght now, 90 percent of our water comes from somewhere else,” said MacLaggan. “The Carlsbad Desalination Project reverses that trend and adds a new source of water supply that’s reliable — the Pacific Ocean — that is not dependent on snow pack levels or rainfall and is also drought-proof.”

MacLaggan said that the reverse osmosis technology that the plant operates on has been patented since the ‘60s (before that, desalina-tion depended on distillation and capturing steam and condensation, which uses a lot of energy). The price of the technology is now more affordable, making it com-petitive with other forms of water creation.

Construction on the desal project and the pipe-line is nearly complete, and MacLaggan said Poseidon Water plans to start formal testing of the plant in the summer. The project should be fully operational in the fall.

“I think the plant is going to change the way that people look at water in California,” MacLaggan said. “We know there are a lot of people interested in looking at this and they’re all watching to see how things go. A successful start-up and operation will lead to other places that will open not only in Southern California, but in the Bay Area as well.”

VIASAT INC.Next summer, ViaSat will

launch its second satellite, ViaSat-2, into orbit from the Kennedy Space Center in Florida. The launch will mark another milestone for the local communications

company, which already transformed satellite-based Internet service with the launch of its first satellite in 2011.

According to the com-pany, the second-genera-tion satellite is expected to cover seven times the geo-graphic area of the first and offer twice the bandwidth economics advantage of ViaSat-1, which is already the highest capacity satellite in the world. In addition to providing coverage in North America, Central America and the Caribbean basin, the satellite will provide a “bridge of coverage across the North Atlantic” allowing for high-speed Internet on flights from North America to Europe.

Richard A. Baldridge, ViaSat’s president and COO, said the company is actually w o r k i n g on several satel l i tes s i m u l t a -n e o u s l y, e n o u g h to provide consumers with the quality of services and the bandwidth they want for years to come.

“Our view is that people and applications are demanding substantial increases in bandwidths,” he said. “We don’t see anyone saying that they want less bandwidth — everyone is saying they want more.”

Baldridge said ViaSat has positioned itself as the tech-nology leader when it comes to providing satellite-based Internet service, and added that the company’s goal is

to deliver the type of service that people want, whether they’re at home, in the air, in businesses and hotels. He cited a recent report from the FCC that shows that when it comes to provid-ing speeds of more than 25 megabits per second (Mbps) to homes, 80 percent of con-sumers only have one or no choices.

“It’s not a good environ-ment for the consumer,” Baldridge said. “We think we can change that.”

ViaSat’s next generation technology will allow it to increase its capacity tenfold, and can deliver high-speed connections and provide more than 100 Mbps — far exceeding the demand of consumers.

ViaSat’s work will allow satellite Internet to com-pete with the best Internet connectivity, and will posi-tion the Carlsbad company to grow.

Baldridge said the com-pany’s work might also allow flights to be a little less awful in the future, by providing in-flight Internet to passengers that will be com-parable to the high-speeds they get at home. More con-nected flights could lead to increased productivity, allow-ing business passengers to access their work computers and download large files to work on the go.

He cited a study which suggests that people would trade an airplane bathroom for good connectivity. He adds that the service could be offered without a cost to customers, since he can envi-sion that companies would want to sponsor the service to advertise to them.

Golfing, hiking, camping, swimming, surfing, meetings or a weekend getaway...

Golfing, hiking, camping, swimming, surfing, meetings or a weekend getaway...

County Airports* Agua Caliente * Borrego Valley * Gillespie Field

* Fallbrook Airpark * Jacumba * McClellan-Palomar* Ocotillo * Ramona

County Airports* Agua Caliente * Borrego Valley * Gillespie Field

* Fallbrook Airpark * Jacumba * McClellan-Palomar* Ocotillo * Ramona

Located at the core of San Diego County, Gillespie Field is a combination airport and business park with excellent accessibility, globally via air, locally

by rail and regionally via multiple freeway connections.

McClellan-Palomar Airport in Carlsbad is a gateway to San Diego’s North County. The new passenger terminal at the airport includes a restaurant, Wi-Fi

access and rental car desks.

Located at the core of San Diego County, Gillespie Field is a combination airport and business park with excellent accessibility, globally via air, locally

by rail and regionally via multiple freeway connections.

McClellan-Palomar Airport in Carlsbad is a gateway to San Diego’s North County. The new passenger terminal at the airport includes a restaurant, Wi-Fi

access and rental car desks.

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› FUTURE Continued from Page 1

MACLAGGAN

BALDRIDGE

Poseidon Water’s Carlsbad Desalination Plant is expected to be fully operational in the fall. It is expected to provide 7 percent of the region’s water by desalinating water from the Pacific Ocean.


Q&A WITH

TED PEÑA, VICE PRESIDENT/

BRANCH MANAGER, SILVERGATE BANK,

CARLSBAD

Q: How would you describe the current economic climate in

Carlsbad. What are some of the factors that are contributing to this status?

A: Carlsbad continues to reflect the trends we’re seeing nationally as Bloomberg

reports.

• Job growth has been above 200,000 for 11 months in a row, the longest stretch since 1994

• Auto Sales hit the strongest level since 2006 with solid growth to begin in 2015

• Consumer confidence remains high at its highest level since 2007

• Low oil prices are good news for consumers and many companies

It’s easy to see that the Carlsbad economic climate is positive and vibrant. The opening of Sage Creek High School, the most advanced high school in the region, the addition of recre-ation parks and hotels in the Bressi Ranch area, and the development of new communities along the El Camino Real corridor are just a few of the “real” indicators that the economic climate is healthy and positioned for a bright future.

The success of the auto industry is certainly evi-dent as Car Country Carlsbad is bustling with activity.

Legoland California Resort’s recent expan-sion has only improved our tourism. Just take a bike ride or walk along Highway 101 and you can’t help but think that Carlsbad is the best place to live in the country. We also have great neighbors in Encinitas, Vista and Oceanside where we feed off each other to bring together like minded people who enjoy a great place to work and live.

Q: How is Carlsbad’s economy different from other areas?

A: Carlsbad’s uniqueness can be traced to many things including the talent pool and

commitment of our community leaders. Carlsbad has the highest percentage of college educated people compared to other cities in the region. If you dig a little deeper, you’ll find the Carlsbad Educational Foundation and the Boys & Girls Clubs of Carlsbad creating leaders through outstanding youth programs to keep Carlsbad a resource of outstanding talent for years to come. The presence of lagoons, reserves and natural habitats sets us apart. The commitment of the Agua Hedionda Lagoon Foundation and Hubbs-SeaWorld Research Institute/Leon Raymond Hubbard Marine Fish Hatchery facility are just two of the organizations dedicated to preserving our natural beauty when it comes to coastal waters.

Carlsbad’s uniqueness is truly distinct when you consider the approval and implementation of the Poseidon Water LLC Desalination Proj-ect. Water is a critical resource to the region for both businesses and residents. The Desalination plant certainly plays a part in our bright future for those of us that want to work and play in Carlsbad.

Q: What is your company’s role when it comes to investing in the

community?

A: We at Silvergate Bank desire to bring the personal touch to your banking rela-

tionship. We pride ourselves in bringing our business experience to support your business goals and objectives in addition to providing cost effective banking solutions.

We are well capitalized, locally owned, locally operated and committed to the small to medium business owners. With strong deposit growth we can invest in our community with commercial real estate lending, lines of credits, equipment financing and competitive rates on money market accounts that allow businesses to exceed their goals and objectives.

Silvergate Bank, Member FDIC is pleased to be a part of the Carlsbad community. For more information, contact Ted Peña at 760-931-1001 or [email protected].

Carlsbad’s investing picture is rosy

Investing Carlsbad

in

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Running a successful resort–hotel and timeshare company in a place like

Carlsbad, you’d think owner Tim Stripe knew how to relax. But with more than

$800 million in real estate transactions under his belt, it wasn’t always that

easy… until he met his dedicated team at Torrey Pines Bank that is. Among

other things, they have helped Tim fund the construction of Phase II at the

MarBrisa Resort in Carlsbad, allowing him to kick back and catch some waves.

THE POWER TO RELAX

Featuring Don Schempp, SVP/Manager, Carlsbad Office and Annalena Thompson, SVP Commercial Real Estate Group of Torrey Pines Bank with Tim Stripe, co–president of Grand Pacific Resorts.

IF YOU NEED TO TALK ABOUT YOUR BUSINESSTALK WITH US. | 858.523.4600

Putting the needs of clients first is the approach I believe in. I’ll work with you to find the right financial solutions to help you plan for your unique goals. And together, we’ll track your progress over time, adjusting your plan along the way to help get you where you want to go.

Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser.

Ameriprise Financial Services, Inc. Member FINRA and SIPC.

© 2014 Ameriprise Financial, Inc. All rights reserved. (7/14)

Your personal financial goals deserve a personal approach

Rodrigo M. Oliva, CFP®

Financial Advisor

2121 Palomar Airport Rd, Ste 204Carlsbad, CA [email protected]/rodrigo.m.oliva CA Insurance #0D27906


Ameriprise Financial Services, Inc.Rodrigo Oliva, CFP®2121 Palomar Airport Rd., Ste. 204Carlsbad 92011(760)929-0776 www.ameripriseadvisors.com/rodrigo.m.oliva

Burditt Financial ServicesCalifornia Bank & Trust (Carlsbad Branch)California Bank & Trust (Carlsbad Village)California Coast Credit Union (corporate)Capital BankCity National BankComerica Bank (El Camino Real)CommerceWest BankCornerstone Wealth Advisors, Inc.Crowell, Weedon & Co.

Edward JonesMatt Leonard2588 El Camino Real, Ste. LCarlsbad 92008(760)434-7083www.edwardjones.com

Edward Jones (Justin Peek, CFP®)Edward Jones Investments (Vincent Alessi)The Financial Team, Inc.

First Citizens BankPaula Anderson6088 Innovation WayCarlsbad 92009(760)696-9731www.firstcitizens.com

Frank Financial AdvisorsGBC International BankICM Private Client Group, Inc. Intercare Insurance Solutions a HUB International Co.Labrum Wealth ManagementLendSparkLifePlans Financial & Insurance Services, Inc.Luminate Financial ServicesMarket Capital Management, Inc.McBride Financial & Philanthropy Concepts

MH & AssociatesMorgan Stanley Wealth Management (Christian Nagle)Christian Nagle5796 Armada Dr., Ste. 200Carlsbad 92008 (760)602-3506www.morganstanleyfa.com/christiannagle

Morgan Stanley Wealth Management (Ross Hansen)Navy Federal Credit UnionNorthwestern Mutual Financial NetworkOpus BankPacific Marine Credit UnionPacific Western Bank

Point Loma Credit UnionKari Vollmer6971 El Camino Real, Ste. 102Carlsbad 92009(760)804-9040www.plcu.com

Primerica Financial Services (Thomas Lee)Primerrus Financial Services

Prudential Financial CarlsbadRenwanz Insurance and Financial SolutionsRJL Wealth ManagementSan Diego County Credit UnionSan Diego County Credit Union - La Costa Town SquareSeaside Wealth Management

Silvergate BankTed Peña5810 El Camino Real, Ste. DCarlsbad 92008(760)931-1001www.silvergatebank.com

Sterling Global Strategies

Stifel NicolausGary Endres5780 Fleet St., Ste. 250 Carlsbad 92008(760)804-3400www.stifel.net

Torrey Pines Bank CarlsbadDon Schempp2760 Gateway Rd.Carlsbad 92009 (760)444-8400www.torreypinesbank.com

U.S. Bank (Carlsbad Village)Union Bank (Carlsbad Poinsettia)

WWM FinancialCatherine Magaña1925 Palomar Oaks Way, Ste. 200Carlsbad 92008(760)692-5192www.wwmfinancial.com

Wells Fargo Insurance Services USA, Inc.Mark Coulombe5901 Priestly Dr., Ste. 306Carlsbad 92008(760)931-3500www.wellsfargo.com/carlsbad

Wells Fargo (Palomar Place)Teresa Moseley961 Palomar Airport Rd.Carlsbad 92011(442)244-2771www.wellsfargo.com

Wells Fargo Bank (La Costa Town Square)Monica Amador3446 Via MercatoCarlsbad 92009(760)230-4300www.wellsfargo.com

Wells Fargo Bank (La Costa)Joshua Henderson6961 El Camino RealCarlsbad 92009(760)929-9947www.wellsfargo.com

ARE YOU PAYING MORE THAN 3.65% ON YOUR COMMERCIAL PROPERTY LOAN?

Normal credit approval applies. Member FDIC.

First Citizens Bank offers �nancing solutions customized for your business. We provide superior service and comprehensive products to help you achieve your business �nancial goals.

Purchase & Refinance Options | Equipment Financing | Lines of Credit Business Banking | Merchant Processing | Treasury Services

CONTACT ME TODAY.Paula Anderson | Vice President6088 Innovation Way | Carlsbad, CA 92009760.696.9733 | paula.anderson@�rstcitizens.com

PLCU - where you’re a member, not a numberPoint Loma Credit Union is a member-

owned financial institution with assets approaching $450 million with 6 branches as well as service centers throughout the United States

PLCU membership is available to every-one who lives, works or worships in San Diego and Riverside Counties. Plus, once you become a member, any of your immedi-ate family members are also eligible to join

Credit Unions unlike banks, are not-for-profit cooperatives that follow the philos-ophy of “people helping people”. Credit union earnings are returned to the members in the form of consistently lower loan rates, higher interest on deposit and lower fees.

“The first thing most people think of when you say credit union is auto loans, but with over 65 years of lending experience Point Loma Credit Union has a broad array of prod-ucts from first time credit cards to large com-mercial loans,” says PLCU Carlsbad branch Manager Jeff Ginsburg. “At a bank you’re a customer, a number and an asset for the

gain of the company. With a credit union, especially Point Loma, you are a member, an owner and our job is to save and make you as much as possible.”

PLCU Carlsbad is located at 6971 El Camino Real (in the Vons Shopping Center).

Reach the branch by emailong [email protected], calling 760-804-9040 or going to www.PLCU.com.

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WHEN YOU’RE READY TO INVEST IN YOUR FUTURE, TURN TO ONE OF THESE CARLSBAD CHAMBER OF COMMERCE MEMBERS

At its core, banking is not

simply about profit, but about personal relationships.

— Felix Rohaty


Millions of Americans fall victim to identity theft each year — and their financial losses are in the billions. In 2012, an estimated 16.6 mil-lion Americans experienced identity theft, causing losses of $24.7 billion, according to the Bureau of Justice Statistics.

What can you do to help reduce your chances of having your identity stolen? The steps below can help you prevent significant losses.

• Never divulge your credit card number or other personally identifying infor-mation over the Internet or telephone unless you initiate the communication.

• Reconcile your bank account monthly, and notify your bank of discrepancies immediately.

• Actively monitor your online accounts to detect suspicious activity. Report unauthorized financial trans-actions to your bank, credit card company and the police as soon as you detect them.

• Review a copy of your credit report at least once each year. Notify the credit bureau in writing of any questionable entries and follow through until they are explained or removed.

• If your identity has been assumed, ask the credit bureau to print a statement to that effect in your credit report.

• If you know of anyone who receives mail from credit card companies or banks in the names of others, report it to local or federal law enforcement authorities.

Finally, be very wary of any email or text message expressing an urgent need for you to update your per-sonal information, activate an account or verify your identity. Practice similar cau-tion with email attachments and downloadable files and keep your computers pro-tected with the latest secu-rity updates and virus protec-tion software.

Nagel can be reached at [email protected]

Protect yourself from identity theft

CHRISTIAN NAGLE

MONEYMATTERS

Financial Advisor MORGAN STANLEY WEALTH MANAGEMENT

Wells Fargo and Company has been proudly serving the San Diego region for nearly 160 years since we opened for busi-ness in Old Town with our first Express office in 1855. Today, we remain com-mitted to providing convenient access to banking, insurance, investments, mort-gage, and consumer and commercial finance services through our 113 San Diego banking locations, two business banking hubs, two commercial banking offices and more than 3,200 San Diego team members.

We have long understood that our strength and success is directly linked to the dynamic neighborhoods and commu-nities where we do business. Supporting

our communities allows us to better meet our custom-ers’ financial needs. Last year, Wells Fargo invested more than $3 million in over 260 San Diego non-profits and schools while our local team members recorded a p p r o x i m a t e l y

14,000 volunteer hours supporting their local communities.

“At Wells Fargo we are proud to serve and support our communities,” says Brian Lee, North San Diego Area President for

Wells Fargo. “Our diverse team members look forward to meeting our customer’s financial needs and helping them suc-ceed financially. We remain committed to helping our communities thrive and remain true to our belief that together we’ll go far.”

Wells Fargo is more than just a bank in the community, we are a community bank that invests in the future of our communi-ties where our team members and custom-ers live and work. We encourage you to visit one of our five locations throughout Carlsbad and speak with a banker — not only see how we can help you reach your financial goals, but see how we are work-ing to help communities thrive.

LEE

Wells Fargo is investing in Carlsbad

Wells Fargo at Palomar Place is located at 961 Palomar Airport Road in Carlsbad.

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SHUTTLE STOPSFROM WESTFIELD CARLSBADWest of Sears. Off Highway 78, just east I-5; exit Jefferson and go south.

FROM POINSETTIA TRAIN STATIONParking lot of Coaster station, 6511 Avenida Encinas, just off the I-5; exit Poinsettia, go west.

Morgan StanleyChristian Nagle, Vice President Wealth Management Financial Advisor5796 Armada Dr Ste 200 Carlsbad CA 92008

Direct (760) 602-3506 Toll Free (800) 676-0460 Fax (760) 931-4647 www.morganstanleyfa.com/christiannagle

As your Financial Advisor, I can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is appropriate for how you invest and what you want to achieve. Working together I seek to help you to preserve and grow your wealth, you’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.


More recently, the team announced the addition of Rebecca Moore as their new branch banking officer. Moore, a well-known and respected banker right here in Carlsbad, brings more than 30 years of banking experience with local cus-tomers. She’s been very active in the community, serving on the board of the Carlsbad Education Foun-dation and volunteering in schools through the Junior Achievement program. The bank’s staff represents more than100 years of experience in banking, business man-agement and volunteerism.

“We’re delighted to add the caliber of Rebecca Moore to our talented team. Her commitment to her custom-ers and to our community fits right in with our philos-ophy and culture to deliver more than just cost effec-tive business banking solu-tions,” said Peña. “We were all attracted to Silvergate

Bank because of its family and community focus that starts at the top with CEO Alan Lane, President Derek Eisele, and Chief Banking Officer Dino D’Auria.

“We wholeheartedly believe in treating our cus-tomers like we treat our employees… like family,” said Lane. “When you call

us, you’ll be greeted like you’re part of the family, with a friendly voice every time. We pride ourselves in being a community bank that is headquartered in San Diego, locally-owned and managed by people who live here.”

Silvergate Bank kicked off 2015 by sponsoring a

women business owners’ luncheon at the Green Dragon Tavern and Museum. Shanna Missett Nelson, President of Jazzer-cise and one of Carlsbad’s very own internationally renowned business owners spoke to nearly 100 women executives on her approach to balancing life and

business while raising two beautiful daughters with her husband, Chad.

“Shanna was terrific in delivering a strong message to women that face unique challenges each and every day as business leaders,” said Toni Padron, executive VP of the Carlsbad Cham-ber of Commerce and the event’s emcee. “We are so fortunate to have a busi-ness like Silvergate Bank organize and sponsor such motivating presentations. They aren’t just a bank but an organization that is think-ing about the real success of our businesses and the people who work and live in our community.”

Silvergate Bank, Member FDIC, is headquartered in San Diego with branch offices in Carlsbad, Escon-dido, La Mesa and La Jolla. For more information about Silvergate Bank, contact Ted Peña, VP/Branch Manager at 760-931-1001 or email at [email protected].

Visit www.silvergatebank.com to learn more about Silver-gate Bank and its customers.

The Business Spotlight is a paid advertorial feature. To get your business in the spotlight, contact AnnMarie Gabaldon at [email protected].

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It’s natural to have mixed emotions about retirement – it’s a huge life change that people spend most of their working life preparing for. While the thought of retirement is exciting, the options and advice avail-able can sometimes seem overwhelming and com-plex. There are several simple things you can do if you’re feeling unprepared for your retirement years. Check out the following steps to help you get ready for this milestone.

1. Determine your vision

One of the most enjoy-able parts about planning for retirement is deciding how you’ll spend your time. Though you could just be looking forward to relaxing, you may also decide to move to a different area of the country, travel, volunteer or spend more time with family and friends. Your plans can always change, but creating a list of activities you may want to pursue is a valuable and fun part of the planning process.

2. Start with the basicsDeveloping a written plan

is the first important step, but before you get caught up

in the numbers, determine what you will absolutely need to cover expenses that are truly essential. Include basics like groceries, mort-gage payments, healthcare costs and other financial obligations. You may want to make a list of areas where you could cut back and reduce your expenses if you hit a financial roadblock in the future.

3. Make your plans concrete

Many people get hung up on this step, as it can come with a tough reality check. To begin, calculate how much money you’ll need to cover your essentials over the course of a 30 year retirement, and then add discretionary expenses that accompany activities and lifestyle goals – such as travel and hobbies. Be honest with yourself and try to account

for cost-of-living increases and rising healthcare costs in your projections. This will give you a rough estimate of how much “income” you’ll need in retirement to replace your paycheck and achieve your desired lifestyle. Then consider all the sources you can draw this income from – such as a 401(k), annuities or cash savings. Also consider breaking this amount down into smaller goals that you

can more easily prioritize, manage and track.

4. Protect your plan and your legacy

Ensure the benefi-ciary information on your accounts is up-to-date and that you have the right insur-ance and protection plans in place to safeguard your income and assets now – and for the long-term. Also begin thinking about the legacy you want to leave – to

your family or to organiza-tions that are important to you. Involve your loved ones in these conversations and clearly communicate your intentions and expectations.

5. Track your progressAs with all goals, it’s

important to set milestones, check-in and reflect as you go. Keep in mind that a little time and organization goes a long way. Set aside one day each month to sit

down with your finances, and also consider meeting with a legal and financial professional annually. Even if your goals still seem far away or if you’ve experi-enced a setback, you won’t regret spending the extra time to review your prog-ress. This also provides a good opportunity to make adjustments if your situa-tion or plans for the future have changed.

Retirement planning can be a complicated, emotional and overwhelming process. Consider seeking objective advice from a professional financial advisor who can guide you through it and ensure you’re aware of all your options. It’s important to keep in mind that the surest way to feel confident about what’s to come is to do everything you can to prepare for it.

Rodrigo Oliva, CFP®, is a Financial Advisor with Ameri-prise Financial Services, Inc. in Carlsbad, CA. He specializes in fee-based financial planning & asset management strategies, and has been in practice for 14 years. For more information, please visit www.ameripriseadvisors.com/rodrigo.m.oliva. Ameriprise Financial Services, Inc. Member FINRA and SIPC.

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Pictured, from left, are Silvergate Bank’s Customer Service Supervisor Karen Lindberg and Branch Service Manager Sarah Davis.

› SILVERGATE Continued from Page 1


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Sign of positive economic growth

The industrial real estate market in Carlsbad is on the upswing, finally free from the effects of the Great Recession, which saw rental rates and the price of building and land purchases fall as businesses contracted, laid off employees and freed up office space.

It took time for Carlsbad’s industrial real estate market to reflect what was going on financially throughout the coun-try. The market trended down until 2011, when it hit bottom, stabilized and then moved toward pre-recession levels.

Very little new construc-tion took place during the recession, but during the recovery, buildings started to get absorbed briskly, and filled up a lot quicker than they could be deliv-ered, increasing demand for space.

Now, for the first time s i n c e 2 0 0 6 , develop-ers are starting to build new space that has not been pre-sold or

leased to a specific company, a practice called “specula-tive or ‘spec’ building” and a true indicator of recovery, said Tucker Hohenstein, senior vice president and sales manager of Colliers International in Carlsbad.

“We’re seeing a return of speculative industrial build-ing development in the Carlsbad market in 2015,” Hohenstein said. “That has not happened since 2006-2007 ... there has not been

someone who said, ‘I’m going to build a building with no user identified and think that the market will absorb it.’”

A prime example of this is the Carlsbad Oaks North project, a 141,000 square-foot Class A industrial multi-tenant development near the intersection of Faraday Avenue and Melrose Drive. Hohenstein said a project such as this would most likely attract mid-sized com-panies that are growing.

“The return of specula-tive building means that the market is strong, that it’s healthy and that there’s perceived demand,” Hohen-stein said.

He noted that it takes a certain level of rental rates to justify building new con-struction, since most builders will not move forward with construction plans unless they can get 9-10 percent return in investment.

Another positive sign in Carlsbad is that another building practice — dubbed

“built-to-suit” — is also thriv-ing, most notably near the intersection of El Camino Real and Palomar Airport Road, where ViaSat Inc. is construct-ing its campus expansion.

“Usually, build-to-suit construction is the first to take place coming out of a recovery,” Hohenstein said.

Currently, Carlsbad has an existing inventory of 14.8

million square feet of space. 52.6 percent is in research and development; 29.4 per-cent is in manufacturing; 15.5 is in industrial multi-tenant; and 2.5 percent is

in distribution. There are 29,800 square feet under construction and 470,392 square feet of proposed con-struction in Carlsbad. The more than 500,000 square feet of future inventory accounts for almost a third of the future inventory for the North County San Diego region, which includes Carls-bad, Escondido, Oceanside, San Marcos and Vista. Of those cities, the only two that have land available for construction are Carlsbad and Oceanside.

While price is higher in Carlsbad, its coastal location, airport, direct access to the freeway and its strong cor-porate base companies that cluster around each other and attract each other as well as its reputation for a well-planned and master planned business park com-munity make it an attractive choice for businesses.

“There are just a lot of things about Carlsbad that they’ve done well,” Hohen-stein said.

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Speculative building returns to Carlsbad

The Carlsbad Oaks North Project is a multi-tenant complex currently under construction that will feature 141,000 square feet of space. (Illustration courtesy of Colliers International)

RECENT TRANSACTIONS

Colliers International has announced the lease of 2,688 square feet of leased space at an industrial property at 6150 Yarrow Drive, Suite I in Carlsbad. The 24-month lease is valued at $46,448. John Hoffman and Dave Pinnergar of Colliers International represented both the lessee and the lessor.

HOHENSTEIN

If you have read the front-page story of this edition, you’ve learned about com-panies that are helping build the future today.

Well, I’m here to tell you what the Carlsbad Cham-ber of Commerce is doing to help our members chart their course for success.

I’m going to focus on two programs — our Professional Development Series and our networking events.

The reason I’m doing this is that taking part in these offerings is an easy and sure-fire way to make sure that you’re getting the most of your Chamber membership, and ensuring that all of our members are actively engaged is one of my priorities.

Yes, we’re one of the largest Chambers in Cali-fornia based on the size of our membership, but what really makes us stand out is that we have a strong cadre of actively involved mem-bers that know what the Chamber is, what it does. They are always working to make our Chamber the best that it can be.

First, I’d like to talk about our Professional Develop-ment opportunities, which many of you may know as “workshops.”

We know that it’s not often convenient to learn new things when you’re a business owner. Most of the business owners I speak with talk about being pulled in so many directions that they don’t have time to go out and learn about new technology tools and skills — even those that can help them be more efficient, get a better return on their invest-ment or save them money.

Our Professional Develop-ment opportunities are pre-sented specifically toward small-business owners and serve as a good way to

obtain new tools and infor-mation to help you grow your business and succeed.

I would like to direct your attention to two upcoming events that could greatly benefit your business.

The first event is the ABCs of Government Contracting Workshop which will take place at the Chamber from 8-10 a.m. on Tuesday, March 31. We hold these work-shops in conjunction with North San Diego SBDC periodically to help small-business owners learn tips and tricks to win govern-ment contracts, including how to find opportunities and bid on them. It also outlines the rules and regula-tions that federal contractors need to follow.

The other workshop, also in conjunction with North San Diego SBDC, is a cer-tification workshop, which will take place from 8-10 a.m. on Tuesday, April 28 at the Chamber. If you’ve ever wondered what it takes to have your business certified as woman-owned, veteran-owned, a small business, a green business

or a historically underutilized business, this is the work-shop for you. North San Diego SBDC’s Cheryl Brown will talk about the certifica-tions that are available and give a detailed description of the application process, including what you need and the benefits of each certification.

You can see a full list of upcoming opportunities in the calendar on page 16, or visit www.carlsbad.org. Next, let’s talk a little about networking the Carlsbad Chamber way. I’ve written about it in depth before, but

if you need a quick refresher, just keep in mind that the Chamber’s idea of network-ing is not just meeting new people, handing out busi-ness cards and hoping for a referral. We want you to build relationships first, and to help others with the understanding that the business you provide to your fellow Chamber members will at some point come back to you.

One networking opportu-nity that I think is underused by our members is the First Friday Breakfast. We often get a lot of information

about business that is dis-couraging, but First Friday Breakfasts are the opposite — we look to bring you empowering and uplifting talks that can get you think-ing about your business in new ways.

Another great thing about First Friday Breakfasts is the introductory portion, which features structured networking that is spurred along by our moderators. You’re guaranteed to meet at least seven new people in industries that are not your own. This is a great way to network, and I can personally tell you many stories of members who came together at First Friday Breakfasts and developed strategic business partner-ships. How cool is that!

So I urge you to get started working on your future, and the Carlsbad Chamber of Commerce can assist you along the way.

If you have any questions about how to make the most of your membership, give me a call at 760-931-8400 or email me at [email protected].

AN AWARD-WINNING, MONTHLY PUBLICATION OF THE CARLSBAD CHAMBER OF COMMERCEVOL. 32, NO. 3 MARCH 2015

D IGES TMEMBER INSIDE

› First Friday › Sundowner› New Members

› Calendar › Upcoming Events› On the Move

WHAT’S

Through page 18

BEV JORGENSEN

MEMBERSHIPCOUNTS

Vice President, Corporate and Member Relations CARLSBAD CHAMBER OF COMMERCE

INSTRUCTOR: Alex Lipscomb | ALL MAVEN, Inc.

THE MASTER SERIESLearn the why and how behind Google Apps for Work, the suite of tools that improves productivity, communication and collaboration in your business. Take part in this Master Series Class from ALL MAVEN and experience in depth training from integration to application of Google Apps.

MAR

12Google Drive: Beyond Cloud Storage (Part Two: Slides, Sheets and Forms)

MAR

26Integrating Google Hangouts and Google Plus into your Business

LOCATION: Carlsbad Chamber of Commerce, 5934 Priestly Drive, Carlsbad, CA 92008 TIME: 9-11 a.m.

To RSVP, visit www.carlsbad.org or call the Carlsbad Chamber at (760) 931-8400 for more information

A P R O F E S S I O N A L D E V E L O P M E N T O P P O R T U N I T Y P R E S E N T E D B Y

All workshops are $35 for members and $65 for prospective members.

Chart a course for success with Chamber programs

First Friday Breakfasts provide structured networking and inspirational presentations.


Chamber Events

Free Score Business Counseling by Appointment Mondays & Fridays

MARCH EVENTS

Join the Carlsbad Cham-ber of Commerce for the March Sundowner and take a look inside Hacienda de Vega-Carlsbad, which opened its doors recently and is now serving the true regional foods of Mexico in the heart of the Carlsbad Research Center.

The Sundowner will take place from 5-7 p.m. on Wednesday, March 18 at the restaurant, located at 5806 Van Allen Way. Mark your calendars for this fun evening of professional rela-tionship building opportuni-ties. Join us for food, drinks raffle prizes and refresh-ments. Pre-register online at www.carlsbad.org and pay $10 (you save $5). You will also get one free raffle ticket

and one door prize ticket. If you pay at the door on the day of the event, admission is $15 cash.

The newly remodeled Hacienda de Vega Restau-rant is a sister site to the popular Hacienda de Vega,

which opened in Escondido in 2003.

It specializes in gourmet Mexican cuisine and fea-tures an indoor, cobble-stone courtyard complete with fountains, an 18-foot tree, wipe-glazed walls and

original talavera tiles along with a myriad of imported treasures that evoke images of a simpler way of life and provide a window into Mexi-can family traditions.

“We’ve really made it a point to keep every aspect of

the restaurant as true as pos-sible to the real thing. Mexico is incredibly rich in customs, flavors and textures” said Coco Vega, the restaurant’s special event’s director.

Join the Carlsbad Cham-ber of Commerce for this Sundowner, which will be sure to please with plenty of food, drinks, raffle prizes and lots of networking! The Sundowners are one of the Carlsbad Chamber of Commerce’s most popu-lar recurring networking opportunities.

If you are a prospective Chamber member, RSVP to 760-931-8400.

For more information or to donate a raffle prize, contact Kathy Steffen at 760-931-8400 or [email protected].

In partnership with

ABC’ sGOVERNMENT C O N T R A C T I N G W O R K S H O P

5 9 3 4 P R I E S T L Y D R . | C A R L S B A D | C A | 9 2 0 0 8

TUESDAY, MARCH 31 8 - 10 A.M. FOR MORE INFORMATION CALL THE CHAMBER AT 760 931 8400 OR VISIT WWW.CARLSBAD.ORG

FREE FOR CHAMBER MEMBERS | $30 FOR PROSPECTIVE MEMBERS | RSVP IS REQUIRED

OF

Reserve your space today! AnnMarie Gabaldon | 760.931.8400 | [email protected]

PROMOTING HEALTHY WORKPLACES

APRIL’S ADVERTISING SPOTLIGHT

The April issue of the Carlsbad Business Journal will feature Chamber members that help companies, their employees and the public build healthy lifestyles.

The award-winning Carlsbad Business Journal, the Chamber’s monthly publication, features stories and advertising opportunities exclusively available to members of the chamber. A total of 8,000 copies are printed monthly and mailed to all businesses in Carlsbad and also available at over 50 locations throughout the region.

Deadline March 13th - Advertisers will receive 250-300 word

advertorial with their paid ad (1/4 page or larger).

MARCH 18

NETWORKING OPPORTUNITIES

Explore a taste of old Mexico at next SundownerMARCH 2015

S M T W TH F S

1 2 3 4 5 6 7

8 9 10 11 12 13 14

15 16 17 18 19 20 21

22 23 24 25 26 27 28

29 30 31

3 Business Resource Committee

4 Government Affairs Committee

6 Annual Awards Dinner

6 March First Friday Breakfast

10 Sustainability Committee

11 Ambassador Committee

12 Google Workshop: Google Drive:

Beyond Cloud Storage (Part Two)

13 Ready Carlsbad Business Alliance

13 Coffee Connection

17 Technology Advisory Committee

18 March Sundowner

25 Education Committee

26 Google Workshop: Integrating

Google Hangouts and Google

Plus into your Business

31 Government Contracting

A breakfast for those who want super charged profitsAre you scrambling every

month for the next client lead? Do you wonder at the end of the month where all the money has gone? Are you working hard but have nothing to show for it? Then this program is just for you!

Attend the Carlsbad Chamber of Commerce’s First Friday Breakfast on April 3 and learn how to gain control of your money.

The guest speaker is Deanna Potter, a business and profit planning expert

who helps professionals increase cash flow and improve their systems to create solid profit plans that work. She understands that most businesses fail because

they lack a clear plan and also lack a direct c o n -nection between t h e i r d a i l y a c t i v i -ties and

long-term goals.In this informative and

inspirational presentation, Potter will share:

• Techniques to create the right mind set for

financial freedom in the future.

• The key components to establishing a true profitable plan for your business.

• Financial misconcep-tions that are running your life and how to break free of them.

• A 90-day plan to stop spending leakage and gain control of your money now.

The breakfast will be from 7-9 a.m. at the Sheraton Carlsbad Resort & Spa, 5480 Grand Pacific Drive, Carlsbad. The cost is $32 for Chamber members who

register before March 27. Afterward, the preregistra-tion cost is $55 and $60 at the door.

Prospective members must contact the Chamber at 760-931-8400.

Tabletop exhibits or Soap-box presentations are avail-able to promote your busi-ness for $75 each, which includes one breakfast, and must be reserved in advance by calling Kathy Steffen at 760-931-8400 or [email protected].

APRIL 3 POTTER


HACIENDA DE VEGA

5806 Van Allen WayCarlsbad(760)738-9805www.haciendadevega.comHacienda de Vega is a gourmet Mexican Restaurant serving the true regional foods of Mexico in an unrivalled setting that evokes images of a simpler way of life and provides a window into Mexican family traditions.

NOODLES & COMPANY - LA COSTA

3410 Via MercatoCarlsbad(760)944-1077www.noodles.comNoodles & Company offers the world’s favorite noodle dishes, sand-wiches, salads and soups, all in one restau-rant. From Penne Rosa to Japanese Pan Noodles, the Med Salad, Thai Curry Soup and of course our famous Wisconsin Mac & Cheese, only the most authentic ingredients make the cut.

FRIDAY, APRIL 17, 2015 11:30 a.m. - 1:30 p.m.

FRIDAY, MAY 15, 2015 11:30 a.m. - 1:30 p.m.

EXCEL - INTERMEDIATE - ADVANCED• Move a Worksheet to Another

Excel 2013 Workbook• Use Fill Functions in Advanced Manner• Create and Modify PivotTables• Create and Modify PivotCharts• Sparklines• Utilize Hyperlinks between Sheets• Keyboard Shortcut

EXCEL - BEGINNERS• Spreadsheet Basics• Creating, modifying and

formatting Workbooks• Use Basic Formulas

and Functions (Add, minus, multiply & division)

• Sorting, Filtering and Subtotaling• Create, Modify and Format Tables

5934 Priestly Drive, Carlsbad, CA 92008 Tel 760.931.8400 Fax 760.931.9153 W W W. C A R L S B A D . O R G

$25 chamber member $50 prospective member (includes lunch)

At the door price:$35 chamber member $60 prospective member

LEARN MICROSOFT EXCEL 2013BEGINNER CLASS

LEARN MICROSOFT EXCEL 2013INTERMEDIATE - ADVANCED CLASS

RSVP required • Register online Space is limited

Tuesday, April 28, 20158 - 10 a.m.

In partnership with

Speaker: Cheryl BrownNorth San Diego Small Business Development Center

4 Woman-owned

4 Veteran-owned

4 Small business

4 Green Business

4 Historically Underutilized Business (HUB)

CERTIFICATION WORKSHOP

• What type of certifications are available.

• A detailed description of the application process.

• What is needed to apply for certification.

• Where to get certified.

• The benefits that each type of certification brings.

• The cost and fees associated with certification.

Cost - RSVP is required

Chamber members - FREE

Prospective members - $30

In this workshop you will learn:

For more information contact the Carlsbad Chamber of Commerce at 760-931-8400.

MEMBERS ON THE MOVE RIBBON CUTTINGSNEW HIRES

Omni La Costa Resort & Spa is celebrating their 50 year anniversary and has hired Erika DiProfio to lead all marketing projects for the resort. DiPro-fio has 15 years of proven experience as a marketing manager and is also an instructor at San Diego State University College of Extended Studies.

prAna Living, LLC has hired Sasha Dietschi-Cooper as vice president of sales and Pacho Bedoya as direc-tor of international sales.

Dietschi-Cooper will lead the com-pany’s distribu-tion strategies for continued growth in North America, while also working to establish and expand prAna’s brand presence in international markets.

Bedoya will pursue distribution partners to develop, expand and manage the emerging inter-national business.

PROMOTIONSThe Law Offices

of Rickard L. Borg has announced that associate attorney Vanessa C. Duisters has been named a full equity partner at the firm.

“Vanessa brings a unique 12 years of experience to our firm and has worked diligently to add a new dimension to our family law practice,” said found-ing partner, Rickard L. Borg. “We are pleased to acknowledge her abilities and contribution in this way.”

In recognition of the new partnership, the firm also announced that they are changing their name to The Law Offices of Borg & Duisters.

RECOGNITIONSScripps Health

had an employee recognized for their leadership in the field of educat-ing hospice and palliative medi-cine. Holly Yang, M.D., was named by the American Academy of Hos-pice and Palliative Medicine (AAHPM) to its list of inspira-tional leaders under the age of 40 with criteria based on charitable work and mentoring students and residents.

Mark Dankberg, CEO and president of ViaSat, Inc. has been inducted into the The Society of Satellite Profes-sionals Interna-tional 2015 Satel-lite Hall of Fame. Dankberg co-founded the com-pany in 1986. In 2011, ViaSat successfully launched the ViaSat-1, the world’s highest capacity satellite which allowed ViaSat to begin offering its Exede-brand broadband services.

Send ‘On The Move’ items to Scott Peltier at [email protected]

VALLEY RADIOLOGY CLINIC

6185 Paseo del Norte, Ste. 110Carlsbad(760)494-0556www.valleyrad.comValley Radiology Carlsbad is a comfortable outpatient setting for all Coastal residents. Valley Radiology has been providing Radiol-ogy Service in San Diego since 1971.

GREATER SAN DIEGO ASSOCIATION OF REALTORS (GSDAR)

1850 Marron Rd., Ste. 104Carlsbadwww.sdar.comWe help our 12,000 mem-bers sell more homes. We also help people realize the dream of home ownership, and we are dedicated to protecting private property rights.

BEDOYA

DIPROFIO

DUISTERS

YANG

DIETSCHI-COOPER

DANKBERG


Business Consultants & ServicesHealthy BuildingsJeffrey Marshall(858)522-0589www.healthybuildings.comOur core purpose is to make buildings and the organizations that operate them more valuable through sustainability consulting, indoor air quality test-ing and monitoring, energy efficient engineering and water efficiency.

Dentistry - General & CosmeticCarlsbad Shores Family DentistryAnna Kelly(760)716-7000www.carlsbadshoresdentistry.comCarlsbad Shores Family Dentistry is a modern, state-of-the-art dental prac-tice. We specialize in pediatric dentistry and offer adult cosmetic dentistry and implants.

Employment/Staffing AgenciesAccounting PrincipalsSara Barthel(858)455-7888www.accountingprincipals.comAccounting Principals is a leader in offering workforce solutions in the ac-counting and finance industries. We do it through a combination of temporary staffing, temp-to-hire and direct placement.

Faux Painting & Finishing, MuralsVisions In Faux PaintingMary Ellen Wengler(858)205-1515www.virginiaannholt.comVirginia Ann Holt produces “Art that uplifts and colors the soul.” Featuring award-winning, personalized artistry in murals, Venetian plaster, faux finishes, cabinet refurbishing and trompe-L’oeil. Also offers hand-painted silks, scarves and fabrics.

Golf CoursesSt. Mark Golf ClubFrank Iannuzzi(760)744-9385www.stmarkgolf.comHome to an active golf community with tournaments, clinics and lessons for all ages and abilities, our club fosters your game and social life.

Golf Instruction & TrainingPro Kids| The First Tee of San DiegoMarty Remmell(619)582-4704www.prokidsonline.orgThe Pro Kids mission is to challenge underserved youth to excel in life by promoting character development, life skills, and values through education and the game of golf.

InsuranceLeavitt Insurance Agency of San Diego, Inc.Ross Fields(858)259-5800www.leavitt.com/SanDiegoSpecialists in all lines of business insurance including property and casualty, employee benefits and personal insurance for high net worth households.

Interior Design & DecorVeritas InteriorsMarisa Reed(760)505-2266www.VeritasInteriors.comMy expertise includes every aspect of design from concept to measuring, es-timating, drafting, space planning, furniture purchasing, lighting, art, kitchen and bath remodeling and feng shui.

JewelryHollywood Glitz & GlamMichael Colmaire(951)301-7254www.hollywoodglitzglam.comNecklaces, bracelets and earrings featuring Swarovski and other fine Euro-pean crystals. Elegant designs at a great price.

RetailersGreater San Diego Association of Realtors (GSDAR)Catherine Joneswww.sdar.comWe help our members sell more homes. We help people realize the dream of homeownership. And we are dedicated to protecting private property rights.

RestaurantsNoodles & Company - La CostaHector Hernandez(760)944-1077www.noodles.comNoodles & Company offers the world’s favorite noodle dishes, sandwiches, salads and soups — all in one restaurant. From Penne Rosa to Japanese Pan Noodles, the Med Salad, Thai Curry Soup and of course our famous Wiscon-sin Mac & Cheese, only the most authentic ingredients make the cut.

Real Estate Lending & LoansRay Bahadori Group | RBG at Keller Williams RealtyRay Bahadori(858)692-5050www.rbgrealty.netRay Bahadori Group at Keller Williams specializing in marketing, listing and selling of new and resale homes, residential communities, condominiums, home sites, undeveloped land and commercial in San Diego County.

Signs & GraphicsIngage Solutions a Federal Heath BrandDiane Arnold(760)901-7484www.ingagesolutions.comIngage Solutions, a Federal Heath Sign Co. Brand creates end-to-end cus-tomer engagement through digital signage.

Tea ShoppesBuddha TeasNick Marier(800)642-3754www.www.buddhateas.comBuddha Teas is an organically certified premium tea company using the freshest herbs, utilizing recycled materials, and maintaining non-GMO standards.

WELCOME NEW MEMBERS

31-35 YEARSTipTop Meats/European Deli (31)

26-30 YEARSCertified Folder Display Service, Inc. (29)

Kiwanis Club of Carlsbad (28)

21-25 YEARSSylvan Learning Center of Encinitas (25)

16-20 YEARSGIA (Gemological Institute of America) (20)

ARCADIS, Inc. (18)

Douglas M. Osborne, O.D., F.A.A.O. (18)

Ebb Tide Inn / Phillips Properties (18)

Jack Henthorn & Associates (18)

Days Inn Carlsbad (17)

Ruby’s Diner-Carlsbad (17)

Grand Pacific Palisades Resort & Hotel (16)

Lakeshore Gardens Mobile Home Park (16)

11-15 YEARSCarlsbad Self Storage (14)

Procopio, Cory, Hargreaves & Savitch, LLP (14)

Fresco Trattoria & Bar (13)

6-10 YEARSAlan Shafran Group (10)

Montecatini (8)

Golf Academy of America, San Diego Campus (7)

LOGO Expressions Inc. (7)

Tri-City Wellness Center (7)

Twenty 20 Grill & Wine Bar (7)

Easy Life Management (6)

Law Office of Patricia L. Andel, A Professional Corporation (6)

Oceanside Museum of Art (6)

SLR Research (6)

1-5 YEARSMinuteman Press (5)

Navigato & Battin, LLP (5)

True Beauty San Diego Aesthetic Surgery & Medicine (5)

5D Robotics, Inc. (4)

P&T Enterprises (4)

The Meridian at Lake San Marcos (4)

Ocean Sky Beads Carlsbad (3)

prAna Living, LLC (3)

Urban Place Consulting Group, Inc. (3)

George Samuels & Associates, CPA (2)

Green Dragon Tavern & Museum, Inc. (2)

Fastframe Carlsbad (2)

Healthy Feet Solutions (2)

IDE Americas, Inc. (2)

Law Offices of Robert Conca (2)

Little Cakes Cupcake Kitchen (2)

Opus Bank (2)

Will Schneider Commercial Real Estate Broker (2)

CYO Pizza & Salad (1)

Carlsbad Exclusive Automotive (1)

Christian Credit Counselors, Inc. (1)

Enact Partners, LLC (1)

Encinitas Educational Foundation (1)

Got Your Back San Diego (1)

Jani Express (1)

Law Office of David M. Daftary (1)

PCH Litho (1)

Pacific Marine Credit Union (1)

Pinnacle Recovery (1)

Team Furman, Inc. (1)

JANUARY MEMBER RENEWALS

provides an opportunity for 8 chamber members to meet for breakfast or lunch and learn more about each other’s businesses. A

Carlsbad Chamber member hosts and facilitates at a local chamber member

restaurant.

This program is open exclusively to Carlsbad

Chamber members; and the only cost is the price of

your meal. RSVP’s are required and can be made by

contacting the person listed next to the date.

For more info call: (760) 931-8400 or visit www.carlsbad.org

™

MARCHJR Phillips

Friday, March 20 (760) 402-5321

APRILJR Phillips

Friday, April 17 (760) 402-5321

Paula AndersonThursday, April 23 (760) 696-9733

Call Evan Hennessy…

Evan HennessyVice President/Investments

www.EvanHennessy.net (760) 804-3424(866) 431-2389

[email protected] Fleet Street, Suite 250 | Carlsbad, California 92008

Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com

Investing in Your Family’s Financial Future

Do you believe you deserve to be heard?

We believe in listening to you to understand your needs and clearly see your �nancial goals.

Do you want �nancial advice and services speci�c to your needs?

We understand. You want knowledgeable, clear advice and reliable service for a straightforward fee in harmony with your vision and goals.

Do you feel your �nancial advisor places you �rst?

We realize it’s our privilege to help you work toward your dream of �nancial freedom. We’re honored to help you pursue your family’s �nancial future.

We want to be your �nancial advisor.








































*2002 – 2013 Community Reinvestment Act government dataAll financing subject to credit approval. © 2015 Wells Fargo Bank, N.A. Member FDIC. NMLSR ID 399801 All rights reserved. (1237414_14261)

Map your future today

Build your business with smart financing At Wells Fargo you’ll find a variety of business credit options to help you reach your short- and long-term goals, or simply to supplement cash flow. A local banker is here to help guide you to the appropriate financing for your business, including:• Credit cards• Lines of credit• Loans• Real estate financing• Vehicle and equipment loans

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