The Norfolk SPCA Community Spay/Neuter Clinic is now open on East Little Creek Road providing low-cost veterinary services and has the capacity of perform 11,000 spay/neuter surgeries each year.

Finding Forever Homes and Providing Low-Cost Veterinary Care

The Norfolk SPCA

"At the Norfolk SPCA, we like to remind people that animals may not be able to say, 'I love you,' but you can see it in their eyes. Adoption can be the start of a beautiful friendship," says Kimberly Sherlaw, executive director.

The Norfolk SPCA holds the distinction of being one of the oldest animal welfare organizations in the U.S. Founded in 1892 because of concerns about the mistreatment of working horses, the Norfolk SPCA now shelters, treats, rehabilitates, and finds forever homes for companion animals throughout Hampton Roads.

Reducing the need for sheltering animals is a key goal of the Norfolk SPCA with some innovative methods including:

  • Education programs
  • Counseling to keep pets with their families
  • Partnerships with local shelters and animal control agencies
  • Advocating for animal-friendly public policy
  • Creating and maintaining a large network of foster parents who provide temporary homes
  • Providing affordable veterinary services with an emphasis on spay/neuter

To address spay/neuter access, the Norfolk SPCA has opened the Community Spay/Neuter Clinic — a 3,000 square-foot clinic located on East Little Creek Road. "The new clinic gives us the capacity to perform more than 11,000 spay/neuter surgeries a year versus 6,000 in our previous space," says Kimberly. "Pet overpopulation is a persistent issue resulting in millions of animals being euthanized each year. By increasing the availability of low-cost spay/neuter surgeries at our new clinic, the Norfolk SPCA is making a foundational impact on the issue of overpopulation in our community."

The Norfolk SPCA has lot of animals available for adoption including adorable kittens like these.

The clinic also offers low-cost vaccines and wellness exam services. "Our phones have been backlogged, especially during the pandemic, with concerned owners who want to ensure their pets remain healthy. Our new clinic significantly increases our capacity to provide access to these critical services at an affordable price," Kimberly says.

The Norfolk SPCA also is helping to educate the next generation of veterinary professionals. Through a partnership with Tidewater Community College's Veterinary Sciences program, the Norfolk SPCA will provide hands-on and observational experiences for students.

TowneBank is honored to make a three-year commitment to help fund the Community Spay/Neuter Clinic. Executive vice president Kathy Ferebee has worked closely with the Norfolk SPCA over the years and is an ardent animal lover. For more information on the new clinic and to see photos of adorable pets available for adoption, visit NorfolkSPCA.org.

"The new clinic gives us the capacity to perform more than 11,000 spay/neuter surgeries a year versus 6,000 in our previous space."
Lawson partnered with Samaritan House as co-developer and co-general partner to build Seaside Harbor, a 76-unit EarthCraft Certified LIHTC multifamily development located three blocks from the oceanfront in the Virginia Beach ViBe Creative District. In 2021, Seaside Harbor residents and Lawson team members participated in the Virginia Beach ViBe District mural festival.

The Lawson Companies

Celebrating 50 Years of Improving the Quality of Life for Virginia Residents

Steve Lawson vividly remembers the advice his father, Bob Lawson, gave him growing up, "Do great work and treat people right." This advice is at the heart of the foundation that Bob Lawson built for The Lawson Companies when he started the company in 1972. As they celebrate their 50th Anniversary, they can trace their path to success back to the people they've treated right over the years — their team members and the residents of the communities they've built — and the quality of work they've developed, providing quality housing for hard working families throughout the Commonwealth.

Lawson is a real estate firm that specializes in the development, construction, and management of affordable and conventional market-rate multifamily housing communities. The firm currently manages over 4,600 apartments and has an additional 1,200 units in their development and construction pipeline. Lawson continues to champion multifamily developments aligned with the company's core purpose, "To positively impact people." The firm's 50-year celebration kicked off with the relocation of the company headquarters to a new office space in downtown Norfolk. The new location provides Lawson team members with breathtaking views of downtown Norfolk and the Elizabeth River, and easy access to downtown restaurants, events, and entertainment.

TowneBank handles all of Lawson's banking needs for the company, including property management services, as well as providing borrowing services such as lines of credit, letters of credit, and credit cards. Carl Hardee, Lawson president and CEO says, "We work with a great team at TowneBank. Tricia Randall is so responsive as our main point of contact for our banking relationship, then Ross Morgan helps with our lending needs, Danny Plante with insurance, Sean Driscoll with our 401(k), and Jill Age with our benefits packages." Carl continues, "As a TowneBank Director and as a TowneBank member, I see not only how Towne helps our firm but also throughout the community. The TowneBank team genuinely cares for our company and team members. As a business partner, they have been instrumental in the success of Lawson."

The Foundry, located on Richmond’s Northside, provides 200 low-income families with top-quality affordable housing featuring amenities and finishes comparable to those found in nearby market-rate developments.

Lawson recently partnered with TowneBank as a Tax Credit Investor and Equity Bridge Lender, on two tax-credit affordable housing communities, The Foundry, located on Richmond's Northside, and Market Heights, nearing completion in Norfolk's St. Paul's district. Lawson expects to move residents into Market Heights in early 2023. The Market Heights project allowed Lawson to collaborate with another community partner, Hope House Foundation, an organization they share a decades-long relationship with. The community will help provide permanent supportive housing to individuals with disabilities. Hope House will have dedicated space on-site to provide support services to residents with developmental disabilities and mobility impairments. With help from a grant provided by Sentara, Hope House will also be able to provide residents with a community garden and food pantry, and educate them about healthy eating habits, while local foodbanks will help keep the pantry stocked.

The impact of the Market Heights development extends beyond its residents and into the community, as is the goal with all Lawson properties. Market Heights is the first property to be approved under the City of Norfolk's new resiliency code. The project site will be raised out of the floodplain, allowing a significant portion of new public sidewalk, which will lead to additional safety for the students who walk to the middle school nearby.

Steve Lawson shares, "We have been very fortunate to partner with TowneBank, and have thoroughly enjoyed the amazing service we receive from Tricia Randall and her team. She not only cares for our business needs, but is also a good, kind person working hard to make sure our company and our employees get the most out of the services TowneBank has to offer. She is a big part of the wonderful relationship between our two firms."

For more information, visit LawsonCompanies.com.

"I see not only how Towne helps our firm but also throughout the community. The TowneBank team genuinely cares for our company and team members. As a business partner, they have been instrumental in the success of Lawson."
Grounded Coffee, located near Port Warwick, offers gourmet quality coffee and treats to satisfy any morning or mid-afternoon craving.

Grounded Coffee — An Elevated Coffee Experience

Very few aromas serenade the sinuses like a fresh cup of coffee. You can taste the fragrance the moment it hits your senses. While the daily grind is filled with long lines at major national coffee chains, Grounded Coffee wants you to slow down, relax, and elevate your coffee experience.

As an orthopaedic spine surgeon, Dr. Jeffrey Carlson has started his day with a cup of Joe for over 20 years, and when he met Ben Rothwell, a local pastor, their mutual interest in coffee sparked a friendship. Dr. Carlson admired Ben's knowledge about coffee and how to make good coffee, and soon after a business partnership was born.

Dr. Carlson and Pastor Ben wanted to create a local spot for fellow coffee lovers to relax and enjoy their coffee, but also experience higher, gourmet quality beans with innovative flavors and stylings. Grounded Coffee opened in October 2020, near Port Warwick in Newport News. Dr. Carlson says, "You think you know coffee until you visit this shop."

The menu at Grounded Coffee includes flavors and pairings you won't find anywhere else. The Pick Me UP is a combination of blueberry, lemon zest, and shaken espresso. One of their most popular seasonal flavors is The Northerner, a latte mixed with house smoked maple syrup and topped with butterscotch. They also offer popular favorites such as pumpkin spice, but with their unique touch. The Pumpkin latte is made in-house with organic pumpkin puree and real pumpkin pie spice blend.

Grounded is a cozy spot to enjoy a cup of coffee, grab a snack, or meet up with friends and teammates.

Grounded also offers pastry pairings to complement the flavors of their coffee. Their Carrot Cupcake is gluten free and vegan, and the Blueberry Hazelnut Crumb is made with fresh blueberries and ground hazelnut. Many of Grounded's offerings are made with ingredients fresh from farm to table.

The shop has an ambiance that is perfect for a variety of activities such as meet ups with friends or teammates, quiet study, or just a cozy place to sip and enjoy a cup of coffee. The shop also hosts The Grounded Market on select Saturdays throughout the year where local artisans share their crafts with the community. Follow the Grounded Coffee Facebook page to catch dates for the next market.

When it was time to choose a financial partner for their new business venture, Dr. Carlson didn't have to give it much thought, as he has banked professionally and personally with Towne for the past 20 years. Dr. Carlson says, "TowneBank has always been very supportive, and what I love most is the financial education they offer. They don't just want your money; they want you to be knowledgeable in every aspect when it comes to your finances."

The next time you're in the mood for a pick me up, head over to Grounded Coffee at 580 City Center Blvd. in Newport News, or visit GroundedCoffee.co to order ahead.

Photo of Deb Yeng Collins.
Bloom Coworking, located in Olde Towne Portsmouth, offers space that meets a variety of needs, from private offices, to shared desks, to flexible membership packages.

Bloom Coworking

Nonprofit Coworking Space for the Community

Bloom Coworking offers accessible and affordable workspace solutions for new and growing businesses across Hampton Roads. Situated at the corner of High and Effingham Streets in Olde Towne Portsmouth, Bloom is perfectly positioned to support entrepreneurs in a collaborative, professional space.

Launched by the Portsmouth Partnership, a nonprofit economic development organization, Bloom occupies the first floor of the three-story structure that once was the Blumberg department store. "We developed a piece of property that stood vacant for 20 years," says Michelle Wren, executive director of the Portsmouth Partnership. "We hope our investment in this area is a catalyst for continued economic growth in Portsmouth and the entire region."

The new space offers memberships that meet a variety of needs, from private offices, to shared desks, to flexible membership packages including a "virtual office" option. All members have access to amenities like high-speed internet, 24/7 secured access, copy and print services, free parking, and a spacious kitchen and break room. Bloom also has a high-quality audio podcast room, a private courtyard, and even a private shower for members to freshen up between meetings or after a bike commute.

TowneBank leaders Dawn Glynn and Robin Cooke joined Michelle Wren and others for a hardhat tour of Bloom Coworking in the fall of 2021. Bloom opened the doors to the new space in the summer of 2022.

"As a nonprofit, we are focused on fostering an environment that will help lead to growth and innovation," says Michelle. "Our goal is to provide options for every type of individual, business, or team."

Bloom also hosts workshops and presentations that offer support to entrepreneurs and young businesses. Topics covered include website development, building successful systems, and mindfulness, and are often hosted in conjunction with Tidewater Community College. Workshops are open to all members of the community, not just Bloom members.

Bloom's main building opened in late spring 2022. During construction, a temporary space was opened just a few doors down on High Street. "Due to demand, we have opted to continue operating in both spaces," says Michelle. "We opened in 2020 with two tenants, and now have close to 100 members. The response has been nothing short of amazing." Bloom's success has not only been critical for entrepreneurs but has made the Olde Towne corridor more attractive for local businesses, like coffee shops, breweries, and retailers.

Founded in Portsmouth, TowneBank is honored to support the Portsmouth Partnership and Bloom Coworking. "Accessible co-working space offers opportunities for local businesses and creates customers for retailers that are investing in the Olde Towne business district," says Dawn Glynn, chief experience officer and president of the Corporate Services Group. "We are excited for the impact Bloom will have on the economic ecosystem of Portsmouth and the greater region."

Learn more at BloomCoworking.org.

"As a nonprofit, we are focused on fostering an environment that will help lead to growth and innovation. Our goal is to provide options for every type of individual, business, or team."
Taylor Sugg, TowneBank NENC president, (far right) joins students and teachers at the Water’s Edge Village School in Corolla. Towne is supporting the capital campaign to build a new school next to the historic one that dates to the late 1800s.

Building an Exciting Future for Historic School

The Water's Edge Village School (WEVS, pronounced as "waves") has a long history in Corolla Village on the Outer Banks and now is making plans to transform into a bigger school to accommodate more students.

The Corolla Schoolhouse was built in the late 1800s for children of lighthouse keepers and surfmen. It expanded from one to two rooms in 1911 and continued to be a center of local education until 1958 when the school was forced to close due to lack of funding and just two students enrolled.

In 2012, a motivated group of parents and friends worked together to reopen the school as WEVS — a free, public charter school run by the Corolla Education Foundation. In its first year, WEVS had 16 students and two teachers, making it North Carolina's smallest public school.

Ten years later, WEVS has more than 40 students with a waiting list and an excellent track record of academic achievement. WEVS provides small student-to-teacher ratios; hands-on, project-based learning; quality education for every learner; and community building. The school focuses on empowering students with a sense of social and environmental responsibility while nurturing both body and mind.

"It really does take a village to run a successful school. Small schools have the same fixed costs as large, traditional schools, but fewer students to help cover the costs," says Meghan Agresto, founding board member and current president of the Corolla Education Foundation. Meghan also manages the nearby Currituck Beach Lighthouse, a job she has performed since 2005.

Now WEVS has set a big goal to build a new schoolhouse next to the current facility, with donated land and plans for a 5,000 square-foot, six-room structure that will complement the surrounding Corolla Village. "The infrastructure around Corolla is expanding and we need more classroom space to accommodate the growing number of families who now live in town," Meghan says.

The 1890s two-room school will continue as the home for younger students. The new building will be for older grades and will include: flexible learning space to allow focus on instruction and practice of the arts; a science lab to supplement outdoor and hands-on learning with new learning tools and equipment; classroom space to serve up to 40 additional students.

TowneBank is honored to support the WEVS capital campaign to expand the school with a new academic building. For more information and to see how you can help, visit WatersEdgeVillageSchool.com.

East Coast Appliance has stores throughout Hampton Roads as well as locations in Richmond and Fredericksburg. Here Rob Nicholson stands in the superstore showroom on Laskin Road in Virginia Beach.

East Coast Appliance

The Discount King Has a Long History of Success

From picking up discarded appliances by the side of the road to repair and sell to now owning and operating appliance superstores throughout Virginia — that's the amazing success story of Rob Nicholson and East Coast Appliance. Rob got out of the Navy in 1988 and went to technical school where he learned to repair appliances. He worked briefly for an appliance repair company before pursuing his dream to start his own business.

"I rented a little storage facility in Virginia Beach where I would repair appliances that I had picked up by the side of the road," Rob says. "I would fix them during the week and then sell them on the weekends." He moved to a larger space where he could sell more used appliances. "It grew like crazy, and we expanded to selling scratch and dent rejects that I would buy from some of the major retailers."

In 2005, Rob opened the first East Coast Appliance superstore on Laskin Road with more than 40,000 square feet of space for sales and inventory. "That location quickly became the template for our future growth." Today, East Coast has five stores in Hampton Roads, Richmond and Fredericksburg, and its Builder Direct service to supply products to builders, architects, and designers. "We plan to expand in Richmond, and our foundation gives us the opportunity to spread throughout the state and eventually have representation in most of the larger cities in Virginia," Rob says. "It would be great to offer our services to some of the more outlying regions too, so we are moving and growing with our eye on them."

East Coast Appliance has 140 employees and Rob shares what that means to him. "As we've evolved as a company, we have really concentrated more and more on our associates and their success. Many of them have been with us for years. We have the best people who do a great job every day for our customers. Service is at the heart of everything we do."

Rob has a passion for helping children and is quick to provide a refrigerator or a washer and dryer to a school or a day care that has a need. "My wife and I both really believe that if you are going to change anything about a country, a state, or a city, you need to help the children and that will start to change everything. Poverty holds children back from learning, so giving a refrigerator to a school so children can be better nourished means that they will be able to focus on learning."

Cecil Hobbs, retired senior executive vice president and commercial lender at TowneBank, first met Rob through a national bank competitor. "Cecil was a great friend and he helped me all along the way with a business plan and SBA loans as well as offering great advice whenever I needed it," Rob says. "When he moved to TowneBank, I told him I was going with him. Then when Cecil retired, I started working with Merrick McCabe. She is very creative, and we have a great relationship."

For more information, visit EastCoastAppliance.com.

"I rented a little storage facility in Virginia Beach where I would repair appliances that I had picked up by the side of the road. I would fix them during the week and then sell them on the weekends."
Photo of Eric Sasser.

Eric Sasser, Founder and President of Sasser Construction

Eric Sasser is Portsmouth First Citizen

Congratulations to Eric Sasser who was named Portsmouth First Citizen. After a delay due to the pandemic, Eric was honored at a banquet in September put on by the Portsmouth Service League. The annual award continues a tradition that began in 1932 as Portsmouth citizens honor an individual for his or her contributions to the community.

Eric is founder and president of Sasser Construction, which he started in 1986. Eric and his team focus on the needs and desires of their clients and craft homes custom built just for them. Sasser Construction has been named a Southern Living Custom Home Program builder for their consistent track record in building superior homes.

Believing that "where you spend your time demonstrates what you value," Eric and the Sasser Construction team donate many hours to community service. Projects include remodeling a building for the Maryview Foundation Healthcare Center, which provides healthcare to those who can't afford it; participation in Habitat for Humanity's Builders Blitz; and building the Charity House for Tidewater Builders Association's Homearama where proceeds from the sale went to the Boys & Girls Clubs of Southeastern Virginia.

The Portsmouth Woman's Club, built in the 1930s, holds many happy memories of weddings and other celebrations. The Portsmouth Service League bought the property in 2011 with the hope of reclaiming the vintage building. Eric stepped forward and volunteered his company to take on the job. Today, the structure is enlarged and modernized, but retains its classic elegance.

Sasser Construction has provided excellence in construction to homes and other buildings across Hampton Roads since 1986.

Eric serves on the TowneBank Portsmouth/Suffolk board. He is married to Shirley, who is director of national sales for TowneBank Mortgage. Together, they share two children and eight grandchildren. The entire Towne family joins in warm congratulations to Eric.

Photo of Eric Sasser.
Eric Sasser with his family at the Portsmouth First Citizen Award dinner sponsored by the Portsmouth Service League. Eric was honored for his long history of helping others throughout his hometown.
The Cherry Carpet flooring showroom in Portsmouth is stocked with a large selection of flooring from the industry’s leading manufacturers. They have just what you need to improve the look and appeal of your space.

Cherry Carpet & Flooring — Celebrating 75 Years of "Another Way of Saying Quality"

There's a good chance your shoes have experienced the high quality work of the team at Cherry Carpet & Flooring in Portsmouth. If you've visited the Sandler Center for the Performing Arts in Virginia Beach, Norfolk International Airport, or any TowneBank office, then you've experienced the Cherry difference. In 2022, the company celebrated 75 years in business as one of Virginia's largest flooring dealers.

Cherry Carpet & Flooring assists their clients with determining the right type of floor covering for their need, with regard to budget, performance, and aesthetic. President Ross Cherry says, "We don't sell flooring, we sell service, and we strive to make people's lives easier."

Ross's grandfather, Arthur L. Cherry, started Cherry Rug, Inc. (later Cherry Carpet then Cherry Carpet & Flooring) in 1947, specializing in rug cleaning and storing of summer and winter rugs. His father Brad L. Cherry, a founding director of TowneBank, started with the company in 1965 and brought them into commercial flooring in 1971 with a winning bid for Manor High School. Brad served as President, CEO, and COB from 1989 to 2017. Ross, a 1991 graduate of Churchland High School, returned home in 1996 after graduating from Clemson University to work with the company where he became president in 2010. They are proud to be a third-generation family business.

When asked about the secret to staying in business for 75 years, Ross shares, "Cherry is not one person, it's a team and they deserve all the credit. I love what I do and I love my team." He continues, "If you look at our reviews, they all speak to the quality of service the customers receive — we call that the Cherry Experience. That's our team, from the sales floor to the production team. That's what sets us apart. I couldn't be any prouder of them, especially in a time where it seems commitment to service and customers has gone away."

A third-generation family business. From left to right, Ross, Brad, and Arthur Cherry.

The other secret to 75 years Ross says, is what his grandfather instilled in him and his father from birth, "Arthur lived and worked by the philosophy that you give back to your community through personal involvement and philanthropic endeavors and saw that as the true measure of success." All three have served on numerous boards in their industry and community, and all three have been First Citizens of Portsmouth, in 1960,1984, and 2017.

Commitment to service is one reason why Cherry has been a Towne Bank member since 1999. Ross says, "We mirror the same mentality and that's service, quality, treating customers with respect, and giving back to the community. We see that in Towne and that's who we are too. From the floor up, the way Towne presents itself makes you want to be a part of it," Ross grins. He also gives kudos to their current banking partner, Brad Hunter, vice president and commercial lender in Portsmouth. "Brad and I have served on a few boards together. He's professional, ethical, and just a great guy all around. He represents what Towne is all about."

For more information, visit CherryCarpet.com.

In addition to helping his mentees learn basic skills, like giving a proper handshake, Rob enjoys taking them to sporting events like an Atlantic Hawks basketball game
(l to r) Dontrel, Rob, Quintez.

Mentoring the Future with Big Brothers, Big Sisters

The mission of the Big Brothers Big Sisters (BBBS) organization is to create one-to-one mentoring relationships that support critical social and emotional development in children. For 100 years, the organization's community-based program has connected volunteers, called "bigs", with children ages 5 through 18 to facilitate meaningful and impactful friendships.

Rob Marchand, senior vice president and commercial lender at TowneBank, has been volunteering with BBBS since 1997. He has worked with several young men over the years, often partnering with BBBS to mentor two or three kids in need at a time. "I didn't have a father figure to do things with growing up," Rob recalls. "I was driven to get involved by the thought that I could be that person for someone else."

In an effort to match bigs and littles with similar interests, BBBS relies on Rob's enjoyment of sports and video games. Rob met Dontrel, one of his former littles, when his mom entered him in the program at eight years old. The pair bonded over their love of sports and made lasting memories together, going on incredible trips to Atlanta to see the Falcons play, and Boston to watch the Celtics and the Patriots. For Dontrel's 16th birthday, Rob surprised him with a trip to the MTV Music Awards in New York City. "These are things I could have never imagined doing growing up," says Rob. "To be able to experience it alongside Dontrel was really special." Dontrel is now 21, and while he officially aged out of the program at 18, he still connects with Rob every week to check-in.

In addition to fun outings, Rob helps his mentees with basic skills, like how to give a proper handshake and understanding the importance of making eye contact. Rob matched with 10-year-old Noah in February and learned in one of their first meetings that he wanted to learn how to ride a bike. "I gave Noah a bike the next time I saw him. Now, he is riding by himself — it's all he wants to do!"

As of this spring, 400 mentees were on BBBS's waitlist to receive mentors in Central and Eastern Virginia. Becoming a mentor requires a one-year commitment to spend quality time with a mentee each week, whether attending a community event, visiting a museum, exploring a park, or swimming at the YMCA. "The kids just want someone who will be there for them," says Rob. "It is time well spent changing a child's life. Week to week, you see the impact you make not only on that child, but on the whole family."

Learn more about Big Brothers Big Sisters, including information on how to become a mentor, at BigBroBigSis.com.

Photo of Eric Sasser.

Steve Frazier
Assistant Vice President
Senior Benefits Advisor
Towne Benefits

Medicare — Changes You Can Make

Medicare's 2023 Annual Open Enrollment ended December 7, 2022. However, you may still make a change.

From January 1 through March 31, 2023, you may change from one Medicare Advantage plan to another Advantage plan or return to Original Medicare (Part A and Part B) and enroll in a new Prescription Drug Plan (Part D.) Your new coverage would begin the first of the following month. However, it's important to note, you may not change from your Rx plan to another Rx plan during this time.

For those who are in the first year of a Medicare Advantage plan, you may drop your Advantage plan, return to Original Medicare (Part A and Part B) and be guaranteed a Medicare supplement and new Prescription Drug plan. Plus, if you had a Medicare supplement and dropped it to enroll in an Advantage plan, you may within the first twelve months return to your supplement and be guaranteed issue.

There is another option, too. The Center for Medicare & Medicaid Services (CMS) reviews all Medicare Advantage Plan and awards them a one thru five -stars designation. You may enroll in a Five-star plan at any time during the year. Your new coverage begins on the first of the following month. Go to Medicare.gov and put in your zip code to learn if there are Five-star Advantage plans in our area.

Finally, there are six special enrollment periods (SEP) which allow you to change your Medicare coverage during the year. The most common SEP is moving. For example, you move to a new address that is outside your current plan's service area or you move in or out of a nursing home/ long-term care facility. Qualifying for or disqualifying from Medicaid creates a SEP. There are three "rare" SEPs: your Medicare plan leaves the Medicare market entirely, Medicare agrees with you that the plan you enrolled in misled you, or Medicare determined its employee erred when enrolling you in your plan.

Most of those enrolled in Medicare have already finished making any changes before the annual open enrollment period is over on December 7. However, it's good to know there are enrollment alternatives if one qualifies. If you'd like to know more about Medicare, please contact Steve Frazier at 757-249-5481 or SteveFrazier@TowneBenefits.com.

Insurance and investment products offered through Towne Benefits, a subsidiary of TowneBank, are not a deposit, not FDIC-insured, not guaranteed by TowneBank, and may go down in value.

Pat Faulkner, Financial Advisor, RJFS, and Senior Managing Partner, EVP, Towne Wealth Management

Congratulations to Pat Faulkner! Named to Forbes Best-in-State Wealth Advisors for 2022

Pat Faulkner, Financial Advisor, RJFS, and Senior Managing Partner, EVP, Towne Wealth Management, has more than 35 years of experience in the financial services industry. Pat and the team at the Towne Wealth Management office in Williamsburg professionally serve the wealth management needs of high net worth families, business owners and families with multi-generational wealth. They deliver comprehensive and customized financial solutions which are hand-crafted to a client's specific goals and needs.

The Best-in-State Wealth Advisors list recognizes top financial advisors across the United States, spotlighting over 6,000 top-performing advisors across the country who were nominated by their firms — and then researched, interviewed and assigned a ranking within their respective states. The Forbes ranking of Best-in-State Wealth Advisors, developed by SHOOK® Research, is based on an algorithm of qualitative criteria, mostly gained through telephone and in-person due diligence interviews, and quantitative data.

This achievement would not have been possible without your continued trust and support. Milestones like this serve to reinforce our belief that putting clients — you — first is still the best way to do business.

About Forbes ranking of Best-in-State Wealth Advisors

The Forbes ranking of Best-in-State Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone and in-person due diligence interviews, and quantitative data. Those advisors that are considered have a minimum of seven years of experience, and the algorithm weights factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices in their practices and approach to working with clients. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. Out of approximately 34,925 nominations, more than 6,550 advisors received the award. This ranking is not indicative of an advisor's future performance, is not an endorsement, and may not be representative of individual clients' experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating. Raymond James is not affiliated with Forbes or Shook Research, LLC. Please visit https://www.forbes.com/best-in-state-wealth-advisors for more info.

Towne Wealth Management and TowneBank are not registered broker/dealers and are independent of Raymond James Financial Services, Inc. Investment advisory services are offered through Raymond James Financial Services Advisors, Inc. Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC, and are not insured by bank insurance, the FDIC or any other government agency, are not deposits or obligations of TowneBank, are not guaranteed by TowneBank, and are subject to risks, including the possible loss of principal.

A trip to Richmond to see "Wicked" included a stop for lunch at the Boathouse at Rocketts Landing.

Senior Partners Ready to Travel in 2023!

We are excited to announce our Senior Partners travel calendar for 2023. Lots of outings are on the schedule with musicals, fall leaves, shopping, and of course, many delicious meals. Check out the calendar and start planning your 2023 trips now.

In 2022, the group had a great time visiting the historic Altria Theater in Richmond for a grand production of the musical Wicked. Then they enjoyed a trip to Roanoke Island in Manteo for the Branson Ozark Jubilee. In November, they made two visits to the Riverside Dinner Theatre in Fredericksburg to see Ghost, the Musical and the Christmas Spectacular.

For more information and to make reservations for an upcoming trip, call Carol Hernandez, Senior Partner director, at 757-638-6797 or email Carol.Hernandez@TowneBank.net. We look forward to seeing you soon!

March 4, 2023
Come from Away at Chrysler Hall in Norfolk
$145 per person, includes lunch

May 3, 2023
Ragtime at the Riverside Dinner Theatre in Fredericksburg
$165 per person, includes lunch

June 21, 2023
Joseph and the Amazing Technicolor Dreamcoatat the Riverside Dinner Theatre in Fredericksburg
$165 per person, includes lunch

September 9, 2023
42nd Street at the Riverside Dinner Theatre in Fredericksburg
$165 per person, includes lunch

October 2023
Fall Foliage in Charlottesville — to include lunch at Michie Tavern and Carter Mountain for apple shopping

November 29, 2023
Miracle on 34th Street— Riverside Dinner Theatre in Fredericksburg
$165 per person, includes lunch