Time & Location
Oct 04, 2025, 5:30 PM – 6:30 PM
College of the Holy Cross, 1 College St, Worcester, MA 01610
About The Event
In today’s fast-paced media environment, dominated by social media, how you communicate about a crisis is one of the most important aspects of leading through it. Effective crisis communication begins in the calm before the storm, in developing healthy relationships with reporters, organizing your team to prepare and to act as one, and in putting communication at the very front of your leadership efforts. Admiral John Kirby became the face — and the voice — of numerous high-profile crises, from the Navy Yard shooting of 2013 to the wars in Ukraine and Gaza and dozens more. Learn from Admiral Kirby how to prepare for crises and lead — both in action and communication — when they arise.
Register here to attend Admiral Kirby’s keynote speech at Holy Cross (One College Street, Worcester) on Saturday, October 4th at 5:30pm.
This event is hosted by the O’Callahan Society and Holy Cross’ Office of Alumni Relations. Questions may be directed to
Recognition sets Bank apart from the more than 100 banks that call Massachusetts home
Fidelity Bank announced it took the number one spot from the more than 100 banks that call Massachusetts home on the Forbes list of America’s Best-In-State Banks 2025. This prestigious award, which was announced on June 17, is presented in collaboration with Statista, the world-leading statistics portal and industry ranking provider.
“This prestigious recognition is a powerful affirmation of what we already know: that our LifeDesign approach, which is grounded in care, clarity, and confidence, is making a real difference in the lives of our clients, colleagues, and communities,” said Joseph Silva, president, Fidelity Bank. “Being selected by Forbes as the top bank in Massachusetts reflects the trust we’ve earned, the service we provide, and the impact we deliver every day.”
America’s Best-In-State Banks 2025 aims to showcase the institutions most valued by residents in each state and to recognize the banks that have excelled in meeting the unique needs and expectations of their local communities. The ranking is based on an independent survey of over 26,000 customers in the U.S. Participants evaluated banks on several criteria, including Trust, Financial Advice, Customer Services, Digital Services, Branch Services, and Terms & Conditions. They also rated the importance of these criteria. A sentiment analysis was conducted using the publicly available reviews and a score.
Founded in 1974, the Massachusetts Youth Soccer Association (commonly known as Mass Youth Soccer or MYS) celebrated its 50th anniversary in 2024—a milestone commemorating five decades of development, inclusion, and community soccer across the Commonwealth. Spokesperson Jaime Balboni reflects: “This anniversary wasn’t just about looking back—it’s an occasion to reaffirm our mission: to serve, educate, and provide safe soccer play for all.”
Uniting Youth Through Soccer
One of the North Central Massachusetts Chamber’s newest members, Mass Youth Soccer functions as the governing body for soccer in Massachusetts., overseeing programming, policies, and support for more than 100,000 young players and over 20,000 adult volunteers. The organization delivers a wide array of player development programs, coach and referee education, risk management initiatives, and organizational support for affiliated clubs and leagues. Their work structures the backbone of youth soccer throughout the state, ensuring quality and consistency across all levels. Their mission, as stated, is “to serve, educate, and provide safe soccer play for all,” underpinned by a vision to “lead, inspire & unite soccer communities,” and rooted in values like fun, growth, inclusion, integrity, respect, compassion, and belonging—all reaffirmed in a March 2023 update to their mission‑vision‑values platform
Programs That Matter
Mass Youth Soccer offers numerous programs that touch every corner of youth soccer:
TOPSoccer, created for athletes with intellectual, emotional, or physical disabilities, ensures that no player is excluded from the joy of sport.
The Olympic Development Program (ODP) aims to identify and nurture elite players, focusing on individual growth and holistic development through rigorous tryouts and seasonal camps
The Districts (formerly District Select Program), launched each summer, provides pressure‑free competition across seven districts, leading up to a community event at Progin Park. The 2025 season began July 6, with district games followed by a culminating event in early August
The Town Select League (TSL) works in partnership with town-based soccer organizations to give players a higher level of development and select-level competition. TSL practices weekly and plays Sunday matches, offering structured development with minimized travel and cost
Futsal programming through affiliated leagues such as the Coastal Youth Futsal League provides year-round, small-sided indoor soccer opportunities
Resources such as session planning guides for volunteer coaches—covering U6 to U12 levels—and user-friendly educational tools like Play‑Practice‑Play methodology support effective grassroots coaching across the state
Empowering Coaches, Referees & Organizations
Mass Youth Soccer emphasizes education and certification:
Coach education includes workshops, certification courses, survival guides, and technical resources that equip volunteers to be effective mentors.
Referee development and risk management are central, especially with the enforcement of U.S. Soccer’s Policy 531‑9 (misconduct toward officials) beginning March 1, 2025, which governs all Mass Youth Soccer‑sanctioned play . All adult volunteers must complete SafeSport, concussion awareness training, and pass CORI and national background checks
They provide a Member Toolkit—a comprehensive administration guide for club officers, helping organizations comply with governance best practices, waivers, financial guidelines, and safe operations
Governance is provided by a volunteer Board of Directors, elected at the Annual General Meeting, which helps steer strategy, policy, and organizational direction
Culture & Organizational Values
“Our workplace culture is collaborative, mission‑driven, and grounded in values of fun, growth, inclusion, and integrity,” says Balboni. The team is committed to creating a supportive environment where staff feel valued, respected, and empowered—a reflection of the culture Mass Youth Soccer encourages across its broader community. In hiring, Mass Youth Soccer seeks individuals who are passionate about youth development, collaborative in spirit, committed to diversity, and aligned with their core organizational values.
Community Impact & Influence
Mass Youth Soccer’s impact is felt statewide. Through TOPSoccer, thousands of youth with disabilities gain structured and supportive play opportunities. Their partnerships with local clubs, leagues, and partner organizations help deliver programming in both urban and underserved communities. The organization’s influence is rooted in the hundreds of volunteers, coaches, and referees—the backbone of local soccer—who bring passion and commitment every day. National and international soccer organizations shape the association’s standards in safety, inclusion, and player development. Most importantly, the families and communities who participate continually influence how programs evolve to remain relevant and accessible.
Looking Ahead: A Vision for the Future
“Our future is bright,” Balboni affirms. Mass Youth Soccer is focused on:
Enhancing player development structuring across programs like Districts, TSL, ODP, and TOPSoccer.
Advancing coach and referee education, leveraging technology and streamlined access to certification courses.
Expanding access to the game—particularly in underserved and urban areas—via outreach efforts and inclusive programs.
Strengthening community partnerships, enhancing collaboration with clubs, leagues, schools, and local organizations that share the mission.
Their goal is to grow the game in a manner that stays true to their core values: fun, growth, inclusion, and integrity.
Why It Matters
In an age where youth involvement in sports is often challenged by cost, safety concerns, and access barriers, Mass Youth Soccer stands out as a state-level organization purpose-built to tackle these issues head-on. They provide programming that is affordable, inclusive, and grounded in player-centered development. By supporting coaches and referees, educating volunteers, ensuring compliance and safety, and championing inclusive initiatives like TOPSoccer, Mass Youth Soccer plays a critical leadership role in making soccer a positive, community-building experience across Massachusetts. As Balboni summed it, “Our 50-year milestone is not the end of our journey—it’s a launching pad. We remain committed to shaping soccer environments where every youth can play, grow, and belong.” This forward-looking perspective, rooted in a legacy of service since 1974, positions Mass Youth Soccer to continue strengthening communities, empowering volunteers, and connecting children with the joy and lifelong benefits of the beautiful game.
For more information
Contact: Jaime Balboni, Mass Youth Soccer Association, Lancaster, MA
Website: www.mayouthsoccer.org
Phone: (978) 466‑8812
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Looking to make a change? The Fitchburg Arts Community (FAC) has immediate availability of just a few remaining two-bedroom apartments renting for $1494/month with heat and hot water included. Are you an artist? Join other like-minded individuals looking to foster their creativity with gallery and studio space next door to the Fitchburg Art Museum. The FAC features unique apartments as part of a beautiful renovation of the historic former BF Brown School, High School Annex and City Stables. Wingate, the property manager for these apartments, is willing to work with housing authorities on a mutually agreeable rent should you have a mobile voucher. Whether you are an artist or not, ACT NOW, as there are only a few apartments remaining.
LUK, Inc. recently learned that one of the founders of the organization and retired Chief Executive Officer, Punky Pletan-Cross, passed away on August 5, 2025 after a sudden illness. He was surrounded by his life partner and wife of 52 years, Cris Pletan-Cross who also worked for LUK for 26 years.
Punky came to Fitchburg MA in January 1970 as a Vista Volunteer and with co-founder Eric “Ric” Walen partnered with the community to identify needs and to take collective action to meet those needs as a human service organization. At the time, the answer was to launch a 24-hour, all-volunteer “hotline” and Let Us Know (LUK) Crisis Center, Inc. was formed accepting the first hotline call on June 26, 1970. Punky was always clear that it was the efforts of many community members bringing their unique strengths and diverse perspectives that lead to the initial creation and subsequent flourishing of LUK over the years. Punky became LUK’s first CEO and served the communities of Central MA until his departure to Hawaii in 1998. As a CEO he was passionate about LUK adapting and creatively providing services to those community members who needed it the most. Punky was a dynamic and talented leader who worked to develop organizations in which people could maximize their talents, learn, grow and be of service to others.
After leaving LUK, Punky and his wife Cris relocated to O’ahu, Hawaii and he became the Chief Executive Officer of Hale Kipa, a non-profit human service agency serving the state of Hawaii through a network of services and programs across four islands—offering outreach, housing counseling, foster care and more. He retired from Hale Kipa in 2022. Taken together, Punky served as a CEO for over 50 years to two non-profit organizations that have helped multiple communities, served countless children, youth, adults, and families and continue to make a difference in people’s lives. Punky cared deeply about his relationship with his wife and life-partner, Cris and was a devoted husband. He was a mentor, a friend, a teacher to many, and a gifted athlete who connected with all types of people and was endlessly curious about the world.
Punky remained connected to LUK throughout the years often providing mentoring to key leaders of the organization. Beth Barto, LUK’s current President and CEO shared “Punky was the type of person who you immediately felt at ease with. He understands what it is like to have the responsibility of an organization and those we serve forefront in the mind. He had the ability to ask the right type of questions to help leaders find a way forward that always kept the mission at the center. He will be missed by many but his memory lives on in the strong foundation he built at LUK which continues to help the Central Massachusetts community today.” The community can learn more about Punky and his remarkable contribution through his obituary on-line: https://www.dignitymemorial.com/obituaries/honolulu-hi/punky-pletan-cross-12480015
LUK, Inc. is a non-profit organization dedicated to improving the safety, health, and well-being of youth, families, and adults in Central Massachusetts. As a community-based organization, LUK’s mission is to challenge and inspire youth, adults, and families to realize their unique potential through community-based prevention, intervention, education, and support services.
For more information about LUK, Inc., visit www.LUK.org, call (800) 579-0000, or find us on Facebook (@LetUsKnowINC). Join us in building stronger communities, family by family!
Ginny’s Helping Hand, Inc., a food pantry and thrift shop located on Mechanic Street dedicated to providing a “Hand Up” to those in need, today announced it will hold its Second Annual Murder Mystery Dinner and Silent Auction. This year’s event is in partnership with the North Central Massachusetts Chamber of Commerce Community Leadership Institute Class of 2025, which selected Ginny’s as their community beneficiary.
The event is scheduled for Saturday, September 27 at 6 p.m. at Great Wolf Lodge, 150 Great Wolf Drive, Fitchburg, and will feature the murder mystery performance, “A High School Reunion…with a Deadly Twist,” presented by Brickroad Productions. In addition to an interactive mystery experience, a cocktail reception, dinner, and silent auction will be provided.
“The need at our food pantry has reached unprecedented levels,” said Brandon L. Robbins, executive director, Ginny’s Helping Hand. “By joining us at the event, people will enjoy a night of entertainment while helping ensure Ginny’s can continue its mission of providing a ‘hand up’ to our neighbors in need. We invite everyone to join us in being part of something special.”
“Our community’s need for support is undeniable, and we felt called to stand alongside Ginny’s Helping Hand to help bring relief and comfort where it matters most. This opportunity has allowed us to turn leadership into action and action into meaningful impact. Together, we’re helping to rewrite stories of hunger and hardship into stories of dignity, strength, and renewed possibility,” said Lynese Wiafe, help desk coordinator, Fitchburg State University, and member of the Community Leadership Institute Class of 2025. “We hope our family, friends, and colleagues will join us in supporting this event so no one in our community experiences food insecurity. Our deepest wish is that this event reminds every person facing hardship that they are seen, valued, and surrounded by a community that truly cares and that they are never alone. We want to give everyone the chance to believe in a brighter tomorrow and know that brighter days are within reach.”
Tickets are $85 per person or $650 per table. All ticket sales and sponsorships will benefit the organization’s programs and services, which include providing groceries for more than 1,800 households and 5,000 individuals every month.
Local businesses, organizations and individuals have committed to supporting the event as sponsors, including All One Credit Union, Bin There Dump That, Brennan Staffing Group, Country Bank, empHowered PR, Fidelity Bank, Fitchburg State University, Great Wolf Lodge, IC Credit Union, Congressman Jim McGovern, Madore Photography, Magic Lamp Consulting, Main Street Bank, Mount Wachusett Community College, Reliant Medical Group, Rollstone Bank & Trust, Ron Bouchard Auto Stores, Workers Credit Union.
Additional sponsorships opportunities are still available.
Partnership to provide Chamber members with exclusive training discounts and professional development
The North Central Massachusetts Chamber of Commerce and Leadership Dynamics, Inc. today announced they have partnered to develop an Affinity Program for Chamber members designed to enhance professional leadership development and training opportunities. Additionally, participants may qualify for reimbursement through the existing Massachusetts Workforce Training Fund.
“This partnership addresses an important business need to develop strong leadership capabilities and improve workforce productivity for our region’s employers,” said Roy M. Nascimento, president and CEO, North Central Massachusetts Chamber of Commerce. “In addition to offering substantial discounts, the program will empower members with the leadership tools and training they need to thrive in today’s competitive marketplace while also building stronger internal teams.”
Key features of the affinity program include:
20% exclusive discount on all Leadership Dynamics training programs
Access to live, interactive virtual-based training utilizing cutting-edge educational platforms
Potential tuition reimbursement through the Massachusetts Workforce Training Fund (up to $3,000 per person, $15,000 annual company cap)
A variety of public, exclusive company or chamber-exclusive cohorts
Programs designed for companies seeking to grow sales, expand operations, navigate change, or enhance team performance
With more than 30 years of experience, Leadership Dynamics specializes in helping companies develop leadership teams, improve employee productivity, and increase profitability. The company offers two flagship programs: Workplace Productivity (foundational training covering goal setting, time management, communication, and delegation) and Workplace Leadership and Coaching (advanced program focusing on developing coaching skills and talent retention strategies).
Paul Brown, president, Leadership Dynamics, said of the partnership, “We are thrilled to partner with the North Central Massachusetts Chamber of Commerce to bring our comprehensive leadership development programs to the local business community. Having worked with hundreds of companies from startups to Fortune 500 organizations, we understand the critical role that effective leadership plays in business success. This partnership allows us to extend our expertise to support the economic vitality of North Central Massachusetts.”
All programs are offered in a virtual setting and delivered live with instructor feedback and mentorship coaching throughout the program duration. The training is especially valuable for companies that want to grow sales or productivity, are hiring or expanding, face management challenges, are navigating growth or reorganization, or have previously invested in training and development.
Chamber members can access these exclusive benefits by completing the registration process. Leadership Dynamics will then work directly with the Chamber to verify membership and apply the appropriate discounts. Members are encouraged to explore grant funding opportunities through the Massachusetts Workforce Training Fund.
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The North Central Massachusetts Development Corporation (NCMDC), the economic development arm of the North Central Massachusetts Chamber of Commerce, recently approved financing of $50,000 for the purchase of a food trailer to establish HaBBQ, a food truck business based in Rutland. Business planning was provided by the Small Business Development Center at Clark University.
Turning his passion into a business, HaBBQ Owner Jordan El-Qasem wanted to provide a unique flavored BBQ, which blends traditional Texas-style BBQ with Middle Eastern spices, while also offering halal-certified meats. Halal-certified meat adheres to Islamic law and is permissible for Muslims to eat.
“I’ve been working to perfect my recipe for the past five years and I’m looking forward to sharing my unique take on traditional BBQ with foodies, BBQ enthusiasts, and the entire community,” said El-Qasem. “The North Central Development Corporation and the Small Business Development Center made it possible for me to turn my passion into an established business with their expertise, knowledge and guidance toward the financing and business acumen I needed to make my dream come true.”
HaBBQ can be found at various food festivals, breweries, events and venues throughout central Massachusetts every weekend. For more information and a current schedule visit HaBBQ on Facebook
As a microloan lender, NCMDC can provide loans to small businesses up to $250,000 for working capital, real estate, equipment, inventory, expansion and working with our banking partners to provide gap financing for the final piece of a project.
For more information about the NCMDC loan programs, please call 978.353.7607 or visit NorthCentralMass.com or ChooseNorthCentral.com
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Celebrating Excellence in North Central Massachusetts
Throughout the year, we celebrate the businesses and individuals who make North Central Massachusetts a thriving place to live, work, and grow. The Good Morning North Central Recognition Program puts a spotlight on the remarkable achievements and lasting contributions of our Chamber members.
About the Program
The mission of the Good Morning North Central Recognition Program is to highlight and celebrate Chamber members who make significant contributions to our region. While the Good Morning North Central Breakfast series focuses on learning and networking, the recognition program specifically honors individuals, civic entities, projects, businesses and organizations that are Chamber members for their major contributions to economic growth, improvement of the quality of life in the region, major milestones and other activities that enhance North Central Massachusetts. The goal is to showcase during the breakfast program the full spectrum of our members’ achievements and their positive impact on our communities.
Recognition Categories
Business Milestone Recognition
Celebrating Chamber member businesses reaching major milestones in 25-year increments: 25, 50, 75, and 100+ years of service to North Central Massachusetts.
Leadership Transitions
Honoring new executive leadership that brings fresh vision and energy to our region, including new Presidents, CEOs, or Executive Directors of major regional employers (25+ employees) and new leadership of educational institutions and significant community organizations.
Major Business Development
Recognizing substantial investments that strengthen our regional economy through significant new business openings with major regional impact, major facility expansions or developments, and substantial workforce growth initiatives.
Individual Achievement & Major Recognition
Celebrating exceptional accomplishments that bring positive recognition to North Central Massachusetts, including major industry awards from recognized organizations, significant civic honors and community leadership, and breakthrough innovations with substantial regional impact.
Community Enhancement
Highlighting projects and initiatives that improve our region through major construction and infrastructure improvements, economic development initiatives, and programs that enhance quality of life in North Central Massachusetts.
Program Highlights
Chamber Members Only – Recognition exclusively for current Chamber members
Regional Impact Focus – Celebrating achievements that benefit North Central Massachusetts
Quarterly Recognition – 3-5 honorees featured at select breakfast events
Professional Presentation – Honorees receive recognition at our well-attended breakfast series
Community Celebration – Highlighting the full spectrum of member achievements
Attendance Required – If selected for recognition, honorees must attend the breakfast event to accept the honor
Rolling Nominations – Submissions accepted year-round with regular committee review
Alternative Recognition – Some nominations may be better suited for other Chamber programs such as ribbon cuttings or member profiles
How to Nominate
Who Can Nominate: Anyone can submit nominations, including self-nominations from Chamber members
Nomination Process: Complete our online nomination form with details about the achievement, milestone, or contribution
Review Process: A committee reviews all nominations based on established criteria, regional impact, and program goals
Recognition Events: Selected honorees are invited to attend a Good Morning North Central Breakfast as guests of the Chamber to accept their recognition
Ready to Nominate?
Know a Chamber member who deserves recognition? We want to hear about their achievements and contributions to North Central Massachusetts.
Questions about the program? Contact us at or call 978.353.7600 ext. 235.
Frequently Asked Questions
Q: Can I nominate myself?
A: Yes! Self-nominations are welcome and encouraged.
Q: Would a new small business opening or expansion qualify for recognition?
A: New business openings and expansions are wonderful milestones that we love to celebrate! However, a Ribbon Cutting Ceremony would be the more appropriate option for these occasions. The Chamber offers this FREE service to current and new members who have opened their business in the last 12 months, moved to a new location, changed ownership, or been remodeled/expanded. Ribbon cuttings are specifically designed to help you kick-off your grand opening, meet key community leaders, and get acquainted with your neighbors and fellow Chamber members. We also have other channels to help promote your business through our website, social media, and member communications. For more information about scheduling a ribbon cutting, contact us at or 978.353.7600.
Q: Can businesses nominate their employees for recognition?
A: Yes! While Leadership Transitions recognition is reserved for top organizational leaders only, all employees of Chamber member businesses are eligible for our other recognition categories. The key requirement is that their achievement must be exceptional and bring significant positive recognition to both North Central Massachusetts and their employer. Examples of qualifying achievements include receiving major national awards, developing breakthrough patents, or earning prestigious industry recognition that elevates our region’s reputation. Personal milestones like new degrees, professional certifications, or internal promotions are wonderful accomplishments that we’d be happy to celebrate through our social media, member newsletters, and other promotional channels, but they don’t meet the criteria for breakfast recognition.
Q: I am a senior-level official at my company and was recently promoted. Would I qualify for Leadership Transitions recognition?
A: Congratulations on your promotion! While the Leadership Transitions category is specifically limited to top leaders (Presidents, CEOs, Executive Directors), we have other great ways to recognize your career advancement. We’d love to feature your promotion in our member news, social media channels, or through other promotional opportunities. Your achievement is definitely worth celebrating, and we’ll help you find the right channel to do so!
Q: Will honorees need to give a speech?
A: No speech is required. They simply need to be present to accept their recognition. We will take pictures during and after the program to share on our channels, and we may ask for a quote from the honoree to help share their story, but there’s no pressure to speak publicly. The focus is on celebrating your achievement, not putting you on the spot!
Q: Who attends the Good Morning North Central Breakfasts?
A: Our breakfast events attract business leaders, community officials, Chamber members, and other professionals from across North Central Massachusetts. It’s an excellent networking opportunity where you’ll be recognized in front of influential members of our regional business community.
Q: How will my recognition be promoted beyond the breakfast event?
A: We’ll highlight your recognition across our media channels, including our website, newsletters, and social media platforms where we have a strong following of over 50,000 followers. This extends the reach of your recognition well beyond the breakfast attendees.
Q: When are the breakfast events held?
A: Good Morning North Central Breakfasts are held in September, November, January, and March. We do not present recognition awards in May since we focus on our scholarship recognition that month.
Q: What qualifies for Individual Achievement & Major Recognition?
A: This category is for exceptional achievements that bring positive recognition to North Central Massachusetts. Examples that would qualify include major industry awards from recognized organizations (like “National Manufacturer of the Year,” “Ernst & Young Entrepreneur of the Year,” or “Inc. 5000 Fastest Growing Companies”), significant civic honors (like Presidential Medal of Freedom, Malcolm Baldrige Quality Award, or being appointed to a federal commission), or breakthrough innovations with substantial regional impact (like developing a patented technology that creates significant local jobs or receiving national recognition for environmental innovation). Personal achievements like earning a new degree, professional certifications, completing training programs, or being appointed to a nonprofit board are wonderful accomplishments that we’d love to help you celebrate through other channels, but they wouldn’t meet the criteria for breakfast recognition since they don’t have the broader regional impact we’re highlighting at these events.
Q: What qualifies for Community Enhancement recognition?
A: This category recognizes substantial projects or initiatives that improve quality of life across North Central Massachusetts. Examples that would qualify include major infrastructure projects (like building a new community center or recreational facility), significant economic development initiatives, or large-scale construction projects that benefit the broader region (like developing a major mixed-use development or industrial park). Smaller community contributions like sponsoring a local event, volunteering for a charity drive, or donating to a nonprofit are valuable community support that we appreciate, but they would be better recognized through other channels as they don’t represent the major regional enhancement projects this category is designed to highlight.
Q: What if my nominee isn’t selected?
A: We appreciate every nomination we receive! Since we limit recognition to 3-5 honorees at each breakfast to ensure meaningful focus on each recipient, we may hold your nomination for a future breakfast event when the timing and program balance work better. Alternatively, we may reach out to suggest that your nominee would be an excellent fit for another Chamber recognition program that might be more appropriate for the specific achievement, such as our ribbon cutting ceremonies, member spotlights, or other promotional channels. Our goal is to celebrate all our members’ successes through the most fitting recognition opportunity.
Q: How often are recognitions presented?
A: We target 3-5 recognitions at select breakfast events throughout the year, maintaining geographic and category diversity.
Q: Do nominees have to be Chamber members?
A: Yes, this program exclusively recognizes current Chamber members and their achievements.
Q: What makes a strong nomination?
A: Focus on achievements with clear regional impact, specific details about the contribution or milestone, and how it enhances North Central Massachusetts.
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Mass Soccer Foundation is thrilled to invite you to join us again this year, back on the greens of Red Tail Golf Golf Course, for a day of fun, camaraderie, and giving back. This tournament is more than just a great day on the course – this year all proceeds will support Mass Soccer Foundation as it aims to help community soccer organizations across the state. The backbone of this sport and key to its growth for all ages, levels, and formats is volunteerism – something that has fallen off year-over-year.
Find out more about the Mass Soccer Foundation here.
A Legislative Update for Members of the North Central Massachusetts Chamber of Commerce
Overview
The One Big Beautiful Bill Act is a budget reconciliation bill that reduces taxes, modifies spending for various federal programs, increases the statutory debt limit, and addresses agencies and programs throughout the federal government that was signed into law by President Trump on July 4, 2025. This budget reconciliation package consolidates policy priorities from 10 Senate committees into a single, sweeping legislative framework with 870 pages of provisions that significantly impact tax policy, business operations, and federal spending across multiple sectors.
Key Business Tax Provisions
Small Business Benefits
Qualified Business Income Deduction (Section 199A)
Makes the 20% qualified business income deduction permanent (originally set to expire December 31, 2025)
Expands the phase-in range by increasing thresholds from $50,000/$100,000 to $75,000/$150,000 for single/joint filers respectively
Introduces an inflation-adjusted minimum deduction of $400 for taxpayers with at least $1,000 of qualifying business income
Enhanced Business Expensing
Permanent 100% bonus depreciation for qualified property acquired and placed in service after January 19, 2025
Increases Section 179 small business expensing cap from $1.25 million to $2.5 million
Temporary 100% expensing for certain newly constructed nonresidential real property used in qualified production activities (construction must begin after January 19, 2025, and before January 1, 2029)
Research and Development
Permanently restores the ability to immediately expense domestic research and experimental expenditures for tax years beginning after December 31, 2024
Business Interest Deduction
Reinstates the more favorable EBITDA-based calculation for business interest deduction limits, replacing the less favorable method that had been in effect since 2022
State and Local Tax (SALT) Deduction Relief
Temporarily increases the SALT deduction cap from $10,000 to $40,000 for individual taxpayers ($20,000 for married filing separately) beginning in 2025 through 2029
Phases out for taxpayers with modified adjusted gross income over $500,000 ($250,000 for married filing separately), but the deduction cannot fall below $10,000
Cap increases by 1% annually through 2029, then reverts to $10,000 permanently in 2030
Particularly benefits small business owners in pass-through entities (partnerships, S corporations, LLCs) who pay state and local taxes on business income through their individual returns
Preserves existing pass-through entity tax (PTET) workarounds that many states have implemented, allowing small businesses to continue deducting state taxes paid at the entity level
Reporting Relief
1099-K relief: Reverses the planned reduction of 1099-K reporting thresholds, reinstating the $20,000 and 200 transaction requirements (previously scheduled to drop to $600 for 2026). This significantly reduces reporting burdens for businesses using payment platforms.
1099-MISC/NEC threshold increases: Raises reporting thresholds from $600 to $2,000 for independent contractor payments beginning in 2026, reducing administrative burden for businesses hiring freelancers or contractors.
Individual Tax Changes Affecting Business Owners
Personal Income Tax Rates
Makes permanent the individual tax rates of 10%, 12%, 22%, 24%, 32%, 35%, and 37% from the 2017 Tax Cuts and Jobs Act
Increases standard deduction to $15,750 for single filers, $23,625 for heads of household, and $31,500 for married filing jointly (adjusted for inflation)
Estate Tax Provisions
Permanently increases estate tax exemption to $15 million for single filers ($30 million for married filing jointly) beginning in 2026, indexed for inflation
Employee-Related Provisions
No Tax on Tips and Overtime
Tips Provision: Eliminates federal income tax on qualified tips up to $25,000 annually
Income limitations: Deduction phases out for individuals earning more than $150,000 ($300,000 for joint filers) – reduced by $100 for each $1,000 over the threshold
Occupational restrictions: Limited to occupations that “customarily and regularly received tips” on or before December 31, 2024 (Treasury Secretary must publish qualifying occupations list within 90 days)
Qualifying industries: Expected to include waitresses/waiters, rideshare and food delivery drivers, taxi drivers, beauticians, hair dressers, bartenders
Excluded industries: Not available for certain industries (specific list to be published by Treasury for later guidance)
Cash tips only: Includes cash payments and charged tips, excludes non-cash tips (gift baskets, movie tickets, etc.)
Service charges excluded: Mandatory service charges and auto-gratuities do not qualify
Social Security/Medicare taxes still apply: Only eliminates federal income tax, not payroll taxes
Overtime Provision: Eliminates federal income tax on qualified overtime pay up to $12,500 annually ($25,000 for joint filers)
Income limitations: Same phase-out thresholds as tips provision ($150,000/$300,000)
FLSA requirement: Only applies to overtime required under Fair Labor Standards Act, not state law or voluntary overtime
Premium pay only: Only the premium portion of overtime pay qualifies (e.g., if regular pay is $10/hour and overtime is $15/hour, only the $5 premium qualifies)
Temporary provision: Both tips and overtime deductions expire after 2028
Child Tax Credit
Permanently increases the child tax credit to $2,200 per qualifying child beginning in 2025
Enhanced Family and Medical Leave Tax Credit
Makes permanent the employer tax credit for paid family and medical leave (originally set to expire December 31, 2025)
Credit ranges from 12.5% to 25% of wages paid to qualifying employees during family and medical leave
New provision allows employers to claim the credit against premiums paid for qualifying paid leave insurance policies
Expands qualification requirements, allowing employers to reduce the employment period requirement from one year to six months
Allows employers previously disqualified by state leave requirements to qualify by counting amounts above what is required by state law
Employer-Provided Childcare Benefits
Dramatically increases the maximum employer-provided childcare tax credit from $150,000 to $500,000 annually
Increases the percentage of covered expenses from 25% to 40% of qualified childcare expenses
Special benefits for small businesses: Maximum credit increases to $600,000 with a 50% credit rate for eligible small businesses (those with gross receipts of $31 million or less in 2025)
New childcare pooling provision: Allows small businesses to pool their resources together to provide childcare services to their employees while retaining eligibility for the tax credit
Permits businesses to utilize third-party intermediaries for childcare services while maintaining credit eligibility
Student Loan Assistance
Makes permanent the exclusion of employer-paid student loan repayments from employees’ taxable income
Maintains the $5,250 annual limit with inflation adjustments beginning in 2027
Economic Impact Analysis
According to the Congressional Budget Office, the legislation would increase deficits by $2.4 trillion over 10 years, with additional debt service costs of $551 billion, bringing the total deficit impact to $3.0 trillion. Independent analysis estimates the Act would increase long-run GDP by 1.2 percent while reducing federal tax revenue by $5 trillion over the next decade.
Potential Challenges for Businesses
Healthcare and Labor Costs
Medicaid coverage reductions: The Congressional Budget Office estimates that 11.8 million Americans could lose health coverage under Medicaid over the next decade, potentially increasing the number of uninsured workers in the labor pool. This may lead to:
Higher demand for employer-sponsored health insurance as workers lose public coverage
Increased healthcare costs for businesses that provide insurance
Greater likelihood of employees seeking jobs specifically for health benefits
Potential productivity impacts from workers with untreated health conditions
SNAP cost-shifting: Shifts costs of the Supplemental Nutrition Assistance Program (SNAP) to states with error payment rates above 6%, beginning in 2028. This could result in:
Reduced SNAP benefits in affected states, potentially increasing financial stress on lower-wage employees
Higher employee turnover as workers struggle with food insecurity
Increased requests for wage advances or emergency assistance from employers
Greater need for employee assistance programs
Healthcare Provider Business Impacts: Healthcare businesses face specific operational challenges:
Reduced patient volumes as 11.8 million Americans lose Medicaid coverage, directly impacting revenue for hospitals, clinics, and other healthcare facilities
Provider tax limitations with maximum rates gradually decreasing to 3.5% by FY2032, potentially reducing state funding available to support healthcare facilities
Rural healthcare funding provides $50 billion over five years (2026-2030) but ends in 2030 and may not offset broader Medicaid reductions
State-directed payment limits restricting payments for hospital and healthcare services under Medicaid managed care contracts to Medicare payment rates rather than higher commercial rates
Increased uncompensated care as more people become uninsured, straining finances particularly for safety-net hospitals and community health centers
Energy Sector Changes
Terminates numerous tax incentives from the 2022 Inflation Reduction Act for clean energy, electric vehicles, and energy efficiency programs
Ends tax credits for new and used electric vehicles, installation of home EV charging equipment, and energy efficiency improvements
Regional Considerations for North Central Massachusetts
Manufacturing and Production Benefits
The enhanced business expensing provisions and R&D incentives should particularly benefit the region’s manufacturing sector, allowing for immediate deduction of equipment purchases and domestic research investments.
Service Sector Impact
The permanent 20% qualified business income deduction will continue to benefit many service businesses in the region. The no-tax provisions on tips and overtime will primarily benefit middle-income workers in qualifying occupations, as lower-income tipped workers often already owe little to no federal income tax. Higher-earning tipped workers (over $150,000) will see the benefit phase out. The enhanced FMLA tax credit and childcare pooling provisions create new opportunities for small businesses to collaborate on employee benefits.
Small Business Support
The increased Section 179 expensing limits and enhanced bonus depreciation provide significant tax advantages for small and medium-sized businesses looking to invest in equipment and expansion. The childcare pooling provision is particularly beneficial for North Central Massachusetts small businesses looking to improve employee recruitment and retention. It allows multiple small employers to work together to provide childcare services that might be individually unaffordable, while all participants remain eligible for the enhanced tax credit – helping address one of the biggest challenges working parents face when choosing employers.
Impact on Massachusetts State Government and Programs
Based on Congressional Budget Office estimates and the official legislation, Massachusetts faces several significant impacts from the One Big Beautiful Bill Act that extend beyond the business provisions outlined above.
Healthcare System Changes: The Congressional Budget Office estimates that 11.8 million Americans will lose health insurance coverage by 2034 due to new Medicaid work requirements, eligibility changes, and marketplace modifications. Massachusetts, having expanded Medicaid under the Affordable Care Act, will face new federal work requirements for non-disabled adults aged 19-64 in the expansion population. The state will also experience limited ability to fund the state share of Medicaid and overall decreased federal funding for state Medicaid programs, along with increased administrative burden for state eligibility staff.
Food Assistance Program Changes: Starting in 2028, Massachusetts will be required to pay a share of SNAP benefits based on the state’s payment error rates, representing a shift from the current system where the federal government pays the full cost. This change will require the state to either increase funding for food assistance or potentially reduce benefits if federal funding gaps cannot be filled.
Higher Education Funding: The legislation modifies Pell Grant eligibility requirements and eliminates grants entirely for students attending college less than half-time, which will disproportionately impact community colleges. However, the Act also creates new “Workforce Pell Grants” for students enrolled in eligible workforce programs that provide 150-600 clock hours of instruction over a minimum of 8 weeks, potentially benefiting community colleges and other accredited training providers that offer short-term workforce programs. These changes could affect thousands of Massachusetts students, particularly those in workforce development and continuing education programs.
State Fiscal Response: According to the Congressional Budget Office’s distributional analysis, the legislation will affect state fiscal responses through changes in state taxes and spending resulting from changes in federal program funding. Massachusetts will need to make policy decisions about whether to backfill federal funding reductions or allow program cuts to take effect.
Implementation Timeline
Immediate Effect: Many provisions took effect upon signing on July 4, 2025
January 1, 2026: Most individual tax provisions become effective
2028: SNAP cost-sharing with states begins for those with high error rates
2031: Deadline for qualified production property expensing benefits
What Businesses Should Do Now
Review Tax Strategy: Consult with tax professionals to understand how the permanent QBI deduction and enhanced expensing provisions affect your specific situation
Capital Investment Planning: Consider accelerating equipment purchases to take advantage of 100% bonus depreciation for property acquired after January 19, 2025
Employee Compensation Review: Evaluate compensation structures in light of the no-tax provisions on tips and overtime, keeping in mind income limitations and occupational restrictions. Ensure proper reporting requirements are met for qualifying tip and overtime income.
Employee Benefits Review: Consider implementing or expanding paid family and medical leave programs to take advantage of the enhanced tax credit, including potential insurance policy arrangements
Childcare Partnerships: Small businesses may want to consider exploring opportunities to pool resources with other local employers to provide childcare services, taking advantage of the enhanced credit and new pooling provisions
Estate Planning Update: Business owners should review estate plans given the increased exemption amounts
R&D Planning: Companies engaged in research and development should reassess their tax strategies given the return to immediate expensing
Conclusion
The One Big Beautiful Bill Act represents the most significant tax legislation in years, with substantial changes affecting businesses through enhanced deductions, permanent tax rate reductions, and improved capital investment incentives. The legislation also presents challenges, particularly around healthcare costs, energy tax credits, and federal program changes. The impact on North Central Massachusetts businesses will vary significantly depending on industry sector, business size, and individual circumstances, with some businesses benefiting substantially while others may face increased costs or operational challenges.
Business owners should work closely with their tax and legal advisors to fully understand and optimize their position under the new law.
Disclaimer: This summary is provided for informational purposes only and is based on official sources including Congressional Budget Office reports, the official legislation text, and government publications. This information does not constitute legal, tax, or financial advice. The North Central Massachusetts Chamber of Commerce makes no representations or warranties regarding the accuracy or completeness of this information. Tax laws are complex and subject to interpretation and change. Members should consult with qualified attorneys, certified public accountants, or other professional advisors before making any business decisions based on this information. The Chamber strongly recommends that businesses seek professional guidance to understand how these legislative changes may specifically impact their individual circumstances.
Estimated Budgetary Effects of H.R. 1, the One Big Beautiful Bill Act (As passed by the House of Representatives on May 22, 2025). Congressional Budget Office, Publication 61461. Available at: https://www.cbo.gov/publication/61461
H.R. 1, One Big Beautiful Bill Act (Dynamic Estimate). Congressional Budget Office, Publication 61486. Available at: https://www.cbo.gov/publication/61486
Distributional Effects of H.R. 1, the One Big Beautiful Bill Act. Congressional Budget Office, Publication 61387. Available at: https://www.cbo.gov/publication/61387
How H.R. 1, the One Big Beautiful Bill Act, Would Affect the Distribution of Resources Available to Households (Interactive Tool). Congressional Budget Office, Publication 61469. Available at: https://www.cbo.gov/publication/61469
Debt-Service Effects Derived From H.R. 1, the One Big Beautiful Bill Act. Congressional Budget Office, Publication 61459. Available at: https://www.cbo.gov/publication/61459
Preliminary Analysis of the Distributional Effects of the One Big Beautiful Bill Act. Congressional Budget Office, Publication 61422. Available at: https://www.cbo.gov/publication/61422
Additional Official Sources:
Estimated Budgetary Effects of a Bill to Provide for Reconciliation Pursuant to Title II of H. Con. Res. 14, the One Big Beautiful Bill Act (As ordered reported by the House Committee on the Budget on May 18, 2025). Congressional Budget Office, Publication 61420. Available at: https://www.cbo.gov/publication/61420
Estimated Budgetary Effects of an Amendment in the Nature of a Substitute to H.R. 1, the One Big Beautiful Bill Act, Relative to CBO’s January 2025 Baseline. Congressional Budget Office, Publication 61534. Available at: https://www.cbo.gov/publication/61534
At Workers Credit Union, the focus is on one thing: building the financial wellness of its members. Founded in 1914 by John Suominen, a Finnish immigrant and successful printing company owner in Fitchburg, MA, Workers Credit Union began with a simple mission to support the economic welfare of fellow immigrants. Fast forward more than a century, and the credit union is thriving, boasting over $2.4 billion in assets and serving more than 125,000 personal and business members across North Central Massachusetts and beyond.
A Legacy of Service to the Community
What started as a vision to help immigrants is now a cornerstone of financial well-being for people in all walks of life. Workers Credit Union remains member-owned and focused on its core mission: to empower members to build better financial futures. With a broad range of services from checking and savings accounts to home and auto loans, small business and commercial loans, and insurance through Workers Insurance Agency the credit union provides tailored financial solutions to individuals and businesses alike.
What Sets Workers Credit Union Apart?
Unlike many financial institutions, Workers Credit Union isn’t just about business; it’s about community. The credit union has long been dedicated to supporting local organizations and initiatives. From Relay For Life to Habitat for Humanity, Workers is actively involved in making a positive impact in the region. Their commitment goes beyond just financial contributions they prioritize volunteerism and community outreach, ensuring that they’re a true partner in the growth and success of North Central Massachusetts.
A Work Culture Focused on Collaboration and Transparency
Workers Credit Union’s internal culture mirrors the community-oriented values it holds. The company promotes a work environment grounded in collaboration, transparency, and mutual support. Employees are encouraged to take part in initiatives that make a difference both inside and outside the workplace. When hiring, Workers looks for people who share this commitment to community and teamwork qualities that enable employees to provide the best service to their members.
Fun Fact: A Partnership with the WooSox
Not only is Workers Credit Union rooted in the community, but they also know how to have fun! The credit union is a proud partner of the Worcester Red Sox (WooSox) and has created an exciting Augmented Reality scavenger hunt at Polar Park called Woofster’s Workers Reality. Fans can join in the fun, complete challenges, take home a limited-edition prize poster, and enter for a chance to win season tickets for the WooSox. It’s just one example of how Workers blends community involvement with innovative, engaging experiences.
Looking Ahead: Big Plans for the Future
With over 110 years of service in North Central Massachusetts, Workers Credit Union is excited about the future. With a commitment to innovation and exceptional service, they’re poised to continue being a trusted partner for members across the region for another hundred years!
Community Impact
Whether through a one-on-one conversation with a member of their dedicated staff or a digital interaction via online or mobile banking, Workers Credit Union provides exceptional service in any channel.
In a world full of financial institutions, Workers Credit Union stands out not only for its competitive offerings but for its deep-rooted commitment to the community, its collaborative and transparent workplace culture, and its innovative approach to engaging with members and supporters. Whether you’re a new member or a long-time customer, it’s clear that Workers Credit Union is not just a financial institution it’s a partner in building a better future.
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LUK, Inc. recently learned that one of the founders of the organization and retired Chief Executive Officer, Punky Pletan-Cross, passed away on August 5, 2025 after a sudden illness. He was surrounded by his life partner and wife of 52 years, Cris Pletan-Cross who also worked for LUK for 26 years.
