CBJ_052014

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The Carlsbad Business Journal is an award-winning publication of the Carlsbad Chamber of Commerce. The May issue includes our Hotels Guide.

Transcript of CBJ_052014

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Spring has sprung, the economy is on an upswing and consumer confidence is at a high since the recession of 2007. We are seeing business growth in all sectors and we have more members joining the Chamber than at any time since 2007. These are all good things and we should all be grateful for the current busi-ness climate. But where do we go from here?

The Dow Jones Industrial Average is at an all-time high, having burst through the 16,000 barrier recently. Are stocks over-valued or will we continue to see their values increase? Housing prices have nearly recovered to pre-2007 levels. We know that they were at an artificial high due to many sub-prime loans enabling people to buy homes that couldn’t afford them. The real estate market appears to have reached equi-librium. What we do know is that supply is thin and interest rates have climbed, dampen-ing affordability. But where do we go from here?

While some psychics claim they can tell the future, most of us can only guess. What Chamber members generally believe is that the fundamen-tals of business generally lead

to success. Provide value to your customers through the products and services you pro-mote and provide great cus-tomer service. Get to know your customers and future customers. When they know you, trust you, and respect you, they will do business with you.

The Chamber provides many opportunities to net-work with others and to learn about important issues affecting your business. Some examples are how to use social media and new tech-nology as well as the dos and don’ts of human resources and finances.

How do you project your company’s image on the Inter-net and across social media? We have help for that and many other things.

As I mentioned last month, the Chamber is always

working for you even when you can’t attend our seminars and functions. We are watch-ing job-killing legislation in Sacramento and weighing in on issues that are harmful to business or helpful to business. In Carlsbad, we are opening doors at the city to help our members get through the city’s processes and weighing in on ordinances, existing or proposed, that have an impact on our members and on our quality of life.

Best of all, we have a great staff working on our behalf. Please join me on congratulat-ing our President and CEO, Ted Owen, on reaching a mile-stone of 10 years at the helm of the Chamber.

Ted has done a great job on building local and regional relationships and guiding the Chamber through difficult times. He has my thanks and I hope you will give him yours and congratulate him on a job well done.

Where do we go from here? I’m not certain, but I am sure that if we go with fellow Chamber members and staff, we’ll go a lot farther in the direction we want to. Have a great spring season and I’ll be back with more thoughts next month.

INDEX

MEMBER DIGEST ........................ 12-15

CITY NEWS ................................. 7

EDUCATION NEWS ...................... 8

HOMES ....................................... 16

TO YOUR HEALTH ........................ 6

VILLAGE UPDATE ........................ 7

MEMBER COLUMNS .................... 4-5

HOTEL GUIDE ..............................10-11

MEMBER MARKETPLACE .............18

Where do we go from here?

Words of wisdom still inspire 100 years later

I gave a speech a couple years ago on the “Power of Positive Business.” In the audience was a woman who is the manager of a real estate company in San Diego. She is, like me, a positive thinker, and much to my surprise, sent me a set of books by the turn-of-the-century author Elbert Hubbard, president of Roycrofters Corp.

Why did she send (loan) me the books? Because she liked my col-lection of well-spoken wisdom, which permeates my speeches; such things as, “The road to suc-cess is always under construction.” Well, Elbert wrote and also collected these same types of literary wisdom. I was so moved by her sending me the books that I thought I would share some of Elbert’s wisdom, circa 1900, with you. Here goes…

• Do unto others as though you were the others

• Folks who never do any more than they get paid for, never get paid for any more than they do.

• Never explain. Your friends do not need it, and your enemies will not believe you anyway.

• It is foolish to say sharp, hasty things, but it is a great deal more foolish to write ‘em. When a man sends you an impudent letter, sit right down and give it back to him with interest 10 times com-pounded – and then throw both letters in the wastebasket.

• Initiative is doing the right thing without being told.

• An ounce of loyalty is worth a pound of cleverness.

• God will not look you over for medals, degrees or diplomas, but for scars.

• The greatest mistake you can make in life is to be continually fearing you will make one.

• We help ourselves only as we help others.

• Give me the man who, instead of always telling you what should be done, goes ahead and does it.

• Education is an achievement, not a bequest.

• When you recognize a thing in the outside world, it is because it was yours already.

• Caste is a Chinese wall that shuts people in, as well as out.

• There are six requisites in every happy marriage. The first is faith and the remaining five are confidence.

• Women need education so they may be a better companion for man, for all strong men are edu-cated by women. (Hilary Clinton’s favorite).

• Do your work with your whole heart and you will succeed – there is so little competition.

• A retentive memory may be a good thing, but the ability to forget is the true token of greatness.

I think you can see why Elbert and I hit it off. I was saddened to see his books were last reprinted in 1923, and that he and his wife were lost when the Lusitania was torpe-doed and sunk on May 17, 1915.

TED OWEN

WORDS OFWISDOM

President & CEO CARLSBAD CHAMBER OF COMMERCE JOHN OSBORNE

FROM THECHAIRMAN

Chairman of the Board CARLSBAD CHAMBER OF COMMERCE

BUSINESS BEFORE GOVERNMENTMembers of the Carlsbad Chamber of

Commerce’s Government Affairs Commit-tee visited with state Sen. Mark Wyland and Assemblyman Rocky Chavez on April 16 at their district offices in Carlsbad.

The mission of the committee is to repre-sent the interests of the business community before local, state and federal government and communicate about legislative issues with chamber members, the community and elected officials.

Sen. Wyland said he would like to see more civic education on the high school curriculum and more stories about role models with a positive view of politics. He encouraged the

Chamber to keep active politically, to create jobs by educating the workforce with more vocational education in schools.

During the visit with Assemblyman Chavez, the committee members shared the cham-ber’s opposition to AB 1522, the Sick Leave Mandate, which would make it harder to do business in the state. He expressed the need for getting the workforce trained and edu-cated. Chavez serves on the Veterans Affairs, Higher Education, Rules, Health, Budget, Joint Legislative Budget, Education Utilities and Commerce and numerous other com-mittees so he feels he can get things done by building relationships.

From left, Kevin Sharrar, John Osborne, Assemblyman Rocky Chavez, Don Christiansen, Warren Ruis, Michelle Herrera, JR Phillips and Bev Jorgensen.

From left, John Osborne, Don Christiansen, Kevin Sharrar, Bev Jorgensen, Senator Mark Wyland, Michelle Herrera, JR Phillips, Ted Owen and Warren Ruis.

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LEGOLAND California Resort’s Chima Water Park opens May 24. The lion temple arch, pic-tured above, is the attraction’s largest model.

LEGOLAND prepares for water park’s opening

LEGOLAND California Resort is putting the finishing touches on its newest addition, the LEGO Legends of Chima Water Park, which is scheduled to open on May 24. The largest model for the water park, a lion temple arch, was installed over Easter weekend. The arch, made out of 260,000 LEGO bricks, stretches 18 ½ feet high and 14 feet wide and weighs 2,116 pounds. It streams water beneath a massive lion head at the entrance of a wave pool.

The giant model is positioned in front of Mt. Cavora, the “floating” iconic mountain from the popular “Legends of Chima” build-ing sets and television show. Mt. Cavora is 23 feet tall, and 13 feet wide, weighs more than 11,000 pounds and will release 400 gallons of water every minute as it “floats” 40 feet above the wave pool.

The water park will also include a “build-a-boat” area that allows young guests to build and race their own boats and build their own LEGO scene in Chima. Six LEGO models will be featured in this area, including four miniature scale models of areas within Chima Water Park and an Eagle Head that stands 11 feet-high.

Lion Temple Wave Pool is one of eight areas featured in the new LEGO Legends of Chima Water Park, including a water slide and water cannon area, a restaurant, a tropical forest and a sand-filled oasis with shade and loung-ing areas.

LEGO Legends of Chima Water Park is included in the cost of admission to LEGO-LAND Water Park.

For ticket prices, operating schedule and additional information, visit www.LEGOLAND.com or call 760-918-LEGO (5346).

Plan would open up Westfield CarlsbadMall would be made into outdoor centerBY JOSÉ A. LÓPEZEditor | Carlsbad Business Journal

Nearly a year after the West-field Group embarked on giving the Carlsbad mall on El Camino Real its first major facelift in decades, the company has revealed plans for an even more radical transformation — one that would turn the 45-year-old indoor mall into an outdoor destination.

The company said the pro-posed $300 million renovation project will remove the roof from Westfield Carlsbad, and finish the transformation by adding landscaping and water fountains, inviting gathering spaces and other amenities that will give the mall a more modern feel and take cues from Carlsbad’s beachside setting. The project would not require an increase in square footage.

“Westfield is excited to embark upon this transforma-tional project in Carlsbad,” said Jerry Engen, Westfield’s senior

vice president. “This concept is part of the ongoing evolution of Westfield Carlsbad and will provide the retail, entertain-ment and dining experiences local residents and visitors deserve, all in a gorgeous and uniquely Southern California environment.”

The Carlsbad City Council

must approve the expanded renovation plans. The propos-als will first go to the Carlsbad Planning Commission in the fall.

The first phase of construc-tion, which started last year, is underway and expected to be completed later in the year. That phase, which focused on the eastern part of the mall, includes the addition of a large gym, a luxury theater and new dining opportunities.

During the second phase of construction — at which time the roof will be removed — much of the center will be closed, though the new addi-tions as well as the department stores and select restaurants will remain open.

Westfield says its plans include to add “a number of premium shops and dining options that will provide a high-end shopping experience” to

Westfield Carlsbad.The project would add more

than 1,200 high-wage union jobs during construction and more than 1,000 jobs will be located in the new commer-cial space when the project is finished.

Westfield says the project would generate more than $450 million in total economic output to the local economy, as well as $1.2 million of new rev-enue to the City of Carlsbad’s General Fund.

“This is a long overdue reju-venation,” said Ted Owen, president and CEO of the Carls-bad Chamber of Commerce. “We are very pleased with the concept that Westfield has presented, and can’t wait to see it put in action. This plan is everything anyone who has ever wanted a renovated Westfield Carlsbad could ever imagine.”

The Westfield Group’s proposed $300 million expanded renovation to Westfield Carlsbad would turn the 45-year-old indoor mall into an open-air lifestyle shopping center.

If approved by the Carlsbad City Council later this year, work would begin in 2015.

CARLSBAD BUSINESS JOURNAL MAY 2014 | 5

2013

MEDIUM BUSINESS OF THE DECADE

Heartbleed has been all over the news recently – and deservedly so – but there’s a good amount of con-fusion among average web users as to what it means to them. Did it affect my bank? Do you need to change every password? Do you need to buy a new computer? Most likely, the answer to all of those is no. Here’s a basic rundown of what Heartbleed is (and isn’t), and what you should know about it.

Heartbleed is a vulnerability in a common piece of encryption soft-ware called OpenSSL. In plain Eng-lish, when you log onto a secure website — say Yahoo mail or Face-book — in the top of your browser window to the left of the URL, you see a little icon of a closed padlock. That shows that the connection is secure. For your browser to com-municate safely with the website’s server, there is a standard set of steps that need to be taken on both ends to maintain that secure connection. While the connection is maintained, each side sends a little blip of data – a “heartbeat” – back and forth. Your browser sends information, and the server basically repeats it back – a regular heartbeat means the con-nection is still alive.

Heartbleed basically allows a third party to get more information than it sent to the server. The server, not realizing that it’s giving back more than it receives, sends back whatever happens to be in its memory at the time. Most often there is nothing intelligible there, but if the third party tries often enough, they may eventually retrieve items like login names, passwords, secure certifi-cates and more.

Though it leads to data theft, Heartbleed is not a virus – your com-puter isn’t infected, and a virus scan-ner won’t let you know if your data has been exposed (unfortunately,

nobody has any way of knowing what data has been exposed, which is why it’s so scary). Heartbleed can affect websites, online services, and network servers, as well as all of the devices that connect to them (serv-ers, computers and laptops, tablets, smartphones, etc.), but it can’t infect them. Though the iOS and Android operating systems were not affected, apps you run on your phone could be vulnerable.

The vulnerable code was in a ver-sion of OpenSSL from two years ago, so technically within that timespan it could have been used to obtain information including login names, passwords, credit card information and more. At the same time, that doesn’t mean that hackers and all sorts of nefarious webgoers have known about this for two years. It’s not completely impossible that the security researchers who discovered Heartbleed were the first to find it, leaving open a relatively small window of time for the weakness to be exploited (an updated version of OpenSSL that fixes the vulnerability has since been released).

That said, that ideal scenario is not especially likely. Though you don’t need to panic and change all your passwords, you should err on the side of safety. If any service you use has contacted you directly to tell you to change your password (Tumblr, for example, has emailed all users),

by all means do it! You should also update your password for other sites and services that were vulnerable: The list of high-traffic sites in this category include Google, Facebook, Yahoo!, Pinterest, Instagram, Netflix, Etsy, and GoDaddy. If you save your passwords in LastPass, you should check their site for instructions on the information they’ve stored for you. If you really want to go the extra mile, you could enable two-fac-tor security (where there’s an extra step besides entering your password) on any site or service you use that offers it.

At this point, most services have patched the vulnerability; stopping Heartbleed. Sites that never used OpenSSL in the first place are safe. These include many major banks (JPMorgan Chase, Wells Fargo,

Bank of America, Capital One, for example), as well as many high-traffic ecommerce sites like PayPal, Amazon, eBay, and Target. Aren’t sure about a website or service? You can run it through the Qualys SSL Server Test (www.ssllabs.com/ssltest/) to find out whether the vul-nerability has been patched. And if you have a website (especially if you offer any kind of ecommerce), or if you have network connections to your workplace like a VPN, definitely run them through the test. Make sure you get the patch, and let your customers know they should update their passwords. Even though we can’t know what data was exposed, we can make sure we’re safe from Heartbleed now.

Tweddell can be reached at [email protected]

Heartbleed: How worried should you be?Capital Bank on prestigious list

Capital Bank has announced that it’s been named the number three top-performing bank in the nation by SNL Financial in a field that includes banks with less than$500 million in assets.

SNL Financial is a nationally recognized agency that gathers, analyzes and reports on bank financial per-formance and is relied upon by rating agencies, investment banks, gov-ernment agencies and the media for accurate banking information.

The award is based on SNL’s performance metrics which includes pre-tax return on aver-age assets, net loan charge-offs as a per-centage of average loans, efficiency ratio, net -interest margin and loan growth.

“This award is a testa-ment to the hard work and dedication of our entire team,” said J.M. “Mike” Justice Jr., Presi-dent & Chief Executive Officer of Capital Bank am tremendously proud and honored for our Bank to have achieved such recognition within the six short years we have been open, this award exceeds my most ambitious expectations.”

DANIEL TWEDDELL

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Hannah’s teachers at Aviara Oaks Elementary School inspired her — she wants to be a teacher. Dani-ella would like to be a trans-lator, perhaps for the FBI or the United Nations. Reece is interested in golf and would like to work for the TaylorMade Golf Co. Other students are looking to work at biomed, engineering, and other businesses in the Carls-bad area over their summer vacations. These young people, totaling 160 juniors at Carlsbad High School, are seeking out summer intern-ships through CHS’s Intern Academy.

The Intern Academy provides students with an introduction to the fields of their choice. It gives them a chance to meet and work with professionals in their careers of interest and to try their hand at meaning-ful career-related tasks. The students often earn valuable letters of recommendation for job resumes and college applications. Under the direction of CHS teachers Jeff Brandmeyer and Paige DeCino, students receive high school credit while gaining “on the job” expe-rience and developing the academic and social skills necessary to compete in the

global economy. Students begin the pro-

cess by completing an application, a resume, and a cover letter, and selecting companies where they are interested in interning. Next, they prepare for their “job interviews” by participating in mock interviews with local business and community leaders and elected officials.

These volunteer interview-ers give students real-life, helpful guidance on success-ful job interviewing.

“I always recommend that you are prepared with a good, positive statement of your goals and strong points,” Carlsbad’s Chief of Police Gary Morrison told Mia, a junior soccer player at CHS. “Be a problem solver. Give me some spe-cific examples of how you have improved. You can use soccer as an illustration. ‘This is why you need me in your company.’”

“Tell the interviewer what you know about their com-pany,” recommends CUSD Board Member Claudine Jones. “Be curious, invested in the company. Make good eye contact.”

“I wish they had a pro-gram like this when I was in school,” says Carlsbad Coun-cilman Keith Blackburn, as he interviewed CHS students. “Mock interviews are great practice for the real thing.”

Most of the students will begin their internships in late spring or early summer. The culmination of the Intern Academy experience is a senior project consisting of a research paper and a senior presentation designed to incorporate many of the skills students have learned in their four years at Carlsbad

High School.Intern Academy students

will graduate from high school and move on to col-lege and careers with rel-evant experience and infor-mation about their selected career path and with invalu-able insights into the world of work.

In the words of Carlton Lund of The Lund Team, “I strongly urge businesses to get involved and consider a Carlsbad High internship! We have had four interns over the years and it has been a wonderful experi-ence. One of those interns was Jeff Pashby, who interned with us 17 years ago and has been a leading member of The Lund Team this entire time —15 years as a full-time agent.”

What a difference a decade makes for CSUSMWhat a difference a

decade makes. Just 10 years ago, Cal State San Marcos was only 13 years young – a new university with 10 build-ings, a little over two dozen degree programs and a stu-dent population of 6,000. Now, CSUSM is approaching its 25th anniversary in 2015 with double the number of

students, double the number of buildings and more than double the number of aca-demic degree programs – not to mention an alumni base that nearly tripled to 35,000, and an endow-ment that has doubled to $20 million.

In her 10th annual Report to the Community earlier this semester, President Karen Haynes reflected on her journey from being the lone female presidential finalist to becoming the university’s third and now longest-standing president in campus history.

“Our shared journey, our shared commitment and work, has created a univer-sity with expanded access and broader reach, a univer-sity that is both the anchor of this region and a model in the nation,” said Haynes, in front of nearly 600 regional business and community leaders who gathered into the event pavilion to hear her speech.

In the midst of a six-year

recession that brought a dramatic reduction in state funding, CSUSM was quick to adapt to a new framework based on community and civic partnerships in order to meet its mission and pri-orities. Haynes said this nim-bleness was essential in the face of reports that indicated that Riverside and San Diego counties were experiencing moderate to robust growth in the number of high school graduates – many of whom are not expected to continue their education past the 12th grade. Statistics also sig-naled that California would be short one million college educated workers by 2025.

The 2007 opening of CSUSM’s off-campus center in Temecula is a robust example of how university leaders worked with regional and civic entities to lever-age resources and provide increased access to higher education during a time when most institutions of public higher learning were contracting programs and

restricting admission. CSUSM’s guaranteed

admission programs with regional school districts and K-12 educational partners were also touted as another example of CSUSM’s com-mitment to educating the region. Students who come to CSUSM through these partnerships have higher GPAs and higher retention rates.

“We created the guar-anteed admissions program to help at-risk students get into and through college and prove the statistics wrong,” explained Haynes. “We started with one program and have expanded now to agreements with eight public school districts.”

In her remarks, Haynes highlighted the University’s emphasis on providing sup-port to students from under-served and at-risk back-grounds. The ACE Scholars Services program, founded in 2007, offers scholarships, on-campus work opportuni-ties, internships, counseling

and other support to former foster youth. Thanks to the success of ACE, Cal State San Marcos educates more students from the foster care system than any other insti-tution in the United States.

As she concluded her speech, Haynes proudly pointed to examples of the growing momentum at CSUSM.

“Together we have con-tinued to blur the lines between our University and our region,” she said. “Together we have formed partnerships that lever-age the strengths of those at the table and that pro-vide mutual benefit to our

partner and our University. We have engaged together in issues important to the region’s future. We have identified and leveraged new technologies, solved critical issues through research and service, and developed our workforce.”

Moving forward, Haynes promised that Cal State San Marcos would remain focused on educating stu-dents through theoretical and experiential learning; investing in and supporting sophisticated, life-changing research; and working hand-in-hand with its community to enable positive change, to solve substantive issues and to partner for the common good.

“In 10 years together, we have transformed lives, rebuilt communities and reinvigorated our economy. We have built a university geared toward educating the 21st century student,” concluded Haynes. “I am so proud of the work we have done together.”

Businesses and school district team up for Intern Academy

DR. JAN JACKSON

HIGHERLEARNING

Vice President of Community Engagement CALIFORNIA STATE UNIVERSITY SAN MARCOS

SUZETTE LOVELY, ED.D.

CARLSBADSCHOOL NEWS

Superintendent CARLSBAD UNIFIED SCHOOL DISTRICT

Cal State San Marcos Presi-dent Karen Haynes present-ing her 10th annual Report to the Community

Carlsbad Councilman Keith Blackburn with an Intern Acad-emy student.

MiraCosta College’s Board of Trust-ees has tapped Dick Robertson, who has served as the college’s vice presi-dent of student services since 1987, for the position of interim superintendent/president as MiraCosta searches for a replacement for Dr. Francisco C. Rodri-guez, who has accepted the position of chancellor of the Los Angeles Com-munity College District.

Robertson’s appointment takes effect on June 1 and lasts until a replacement is found. In 2007, Robertson served as acting president and interim vice president of instruction.

Robertson began his career in 1971 as the student activi-ties director at Butler County Community College in Penn-sylvania. He went on to serve as dean of students and dean of instruction before being appointed vice president of MiraCosta College.

As vice president, he directs a comprehensive student ser-vices program that includes admission, counseling, financial aid, minority recruitment, intercollegiate athletics, health services, student activities and government, and a host of other activities.

Robertson also has served as president of the California Community College Student Service Administrators Asso-ciation and vice chair of the Commission on Education Policy for the Community College League of California. He holds a bachelor’s degree in political science from College of Wooster, a master’s in college student personnel, and a doctorate in administration and higher education, both from Michigan State University.

“The board felt very comfortable with the appointment of an internal candidate to serve in the interim capacity due to the strength and experience of existing leadership at the college,” said MiraCosta College Board of Trustees President David Broad.

At its April meeting, the board also voted to approve hiring an executive search firm for the permanent super-intendent/president recruitment. It is anticipated that the selection of the firm will be made within a month, with the goal of hiring a superintendent/president in the fall 2014 semester.

ROBERTSON

MiraCosta names interim president

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Karla Patino, Home Mortgage Consultant700 Garden View Ct., Ste 208, Encinitas, CA [email protected], www.KarlaPatino.comNMLSR ID 448603

As a home mortgage consultant with Wells Fargo Home Mortgage, one of the nation’s leading retail mortgage lenders, I can provide home financing options to meet a variety of homebuyer needs.

Whether you’re looking to buy your first home, a second home or an investment property, I’m ready to give you the service and attention you deserve to help you realize your homeownership goals.

Call me today.

Your homebuying goals deserve my attention

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2013 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801 AS988617 Expires 6/2014

Karla Patino, Home Mortgage Consultant700 Garden View Ct., Ste 208, Encinitas, CA [email protected], www.KarlaPatino.comNMLSR ID 448603

As a home mortgage consultant with Wells Fargo Home Mortgage, one of the nation’s leading retail mortgage lenders, I can provide home financing options to meet a variety of homebuyer needs.

Whether you’re looking to buy your first home, a second home or an investment property, I’m ready to give you the service and attention you deserve to help you realize your homeownership goals.

Call me today.

Your homebuying goals deserve my attention

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2013 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801 AS988617 Expires 6/2014

Karla Patino, Home Mortgage Consultant700 Garden View Ct., Ste 208, Encinitas, CA [email protected], www.KarlaPatino.comNMLSR ID 448603

As a home mortgage consultant with Wells Fargo Home Mortgage, one of the nation’s leading retail mortgage lenders, I can provide home financing options to meet a variety of homebuyer needs.

Whether you’re looking to buy your first home, a second home or an investment property, I’m ready to give you the service and attention you deserve to help you realize your homeownership goals.

Call me today.

Your homebuying goals deserve my attention

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2013 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801 AS988617 Expires 6/2014

Karla Patino, Home Mortgage Consultant700 Garden View Ct., Ste 208, Encinitas, CA [email protected], www.KarlaPatino.comNMLSR ID 448603

Your Business Deserves the Same Respect You Give Your Customers.At Edward Jones, you’ll get more than respect. We can help your business gain a financial advantage. Together, we can design an individual program for your business, with the kinds of tools and options you’ll really use, such as:

• 401(k)s and Other Retirement Plans• Insurance Strategies for Business Continuation (such as buy/sell and key person)

• Wide Range of investment Options and Strategies • Insured Bank Deposit Program*

*More information about the Insured Bank Deposit Program, including the program disclosure, is available from your financial advisor or at www.edwardjones.com/bankdeposit.

Matt Leonard, AAMS® | Financial Advisor2588 El Camino Real Suite L, Carlsbad, CA 92008760-434-7083

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