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Forum for Business
RESOURCES & STORIES OF BUSINESS IN LAKELAND

The Baldwin Group and CAC Group to Merge, Creating the Largest Majority Colleague-Owned, Publicly-Traded Insurance Broker

12/8/2025

 
Guest Blog Post
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Left: Trevor Baldwin, CEO, The Baldwin Group; Right: Erin Lynch, CEO, CAC (Source: Insurance Business)
  • Total upfront consideration of $1.026 billion, consisting of $438 million in cash and 23.2 million shares of Baldwin common stock valued at $589 million based on the 30-day volume-weighted average pricing as of 12/1/2025; implied multiple of 7.9x 2025E Pro Forma Adjusted EBITDA inclusive of targeted full run-rate synergies.
  • Post-closing payments include a performance-based earnout of up to $250 million and a $70 million deferred payment.
  • The transaction would be accretive to 2025 Adjusted EPS by over 20% based on targeted full run-rate synergies and the exclusion of one-time integration costs and transaction expenses.
  • The transaction is expected to be approximately net leverage neutral at close and to accelerate Baldwin’s path to deleveraging through 2028.
  • The combined entity is expected to generate 2026 Gross Revenue and Adjusted EBITDA in excess of $2 billion and $470 million, respectively.
  • On a pro forma basis, Baldwin would rank as the largest majority colleague-owned, publicly-traded insurance broker in the United States, based on Business Insurance’s 2025 Top 100 U.S. Brokers list.

The Baldwin Group ("Baldwin" or the “Company”) (NASDAQ: BWIN), a leading independent insurance brokerage and advisory firm, today announced it has entered into a definitive agreement to merge with CAC Group ("CAC"), a nationally recognized specialty and middle-market insurance brokerage firm (#35 in Business Insurance’s 2025 rankings). This transformational combination is expected to create one of the largest independent insurance advisory and distribution platforms in the United States, with exceptional depth in industry specialization and product expertise. The transaction is expected to close in the first quarter of 2026, subject to customary closing conditions and regulatory approvals.

The combination is expected to significantly expand the specialty capabilities of The Baldwin Group’s Insurance Advisory Solutions (IAS) segment by integrating CAC’s deep expertise in industries such as natural resources, private equity, real estate, senior living, education, and construction. Additionally, the combined company is expected to benefit from CAC’s strength in specialty product lines, including Financial Lines, Transactional Liability, Cyber, and Surety. These specialty capabilities are further strengthened by CAC’s industry-leading data and analytics platform.

The merger pairs CAC’s specialty expertise with Baldwin’s extensive middle market distribution platform, creating new pathways to bring advanced solutions to a broader client base. The combined platform expects to leverage Baldwin’s reinsurance and MGA operations and proprietary technology platforms. The merger also unites two colleague-centric cultures grounded in equity ownership and a shared commitment to attracting and developing the industry’s top talent.

With a footprint in all major markets across the United States, the combined organization will comprise nearly 5,000 colleagues serving clients across retail, specialty, reinsurance, and MGA platforms.

"This is a transformational moment for The Baldwin Group. This combination brings together two highly complementary firms, aligned in culture and values, yet distinct in expertise, business mix, and geographic footprint. By uniting CAC’s deep specialty capabilities with Baldwin’s scale and diversified platform, we create a stronger, more balanced organization that can deliver exceptional solutions for clients and unmatched opportunities for colleagues," said Trevor Baldwin, CEO of The Baldwin Group. “CAC has built an enviable specialty firm, and we are looking forward to welcoming their exceptional team to The Baldwin Group.”
"Coming together with Baldwin gives us the scale and infrastructure to accelerate everything that makes CAC distinctive: our specialty expertise, entrepreneurial mindset, and relentless focus on client success. This merger positions us to deliver more for clients and create expanded opportunities for colleagues, while staying true to the values that have fueled our growth," said Erin Lynch, CEO of CAC Group.

WEBCAST AND CONFERENCE CALL INFORMATION

The Baldwin Group will host a webcast and conference call to discuss the CAC Group Partnership on Wednesday, December 3, 2025, at 8:30 AM ET. A live webcast and a slide presentation will be available on The Baldwin Group’s investor relations website at ir.baldwin.com. The dial-in number for the conference call is (877) 451-6152 (toll-free) or (201) 389-0879 (international). Please dial the number 10 minutes prior to the scheduled start time. A webcast replay of the call will be available at ir.baldwin.com for one year following the call.

ABOUT THE BALDWIN GROUP

The Baldwin Group, the brand name for The Baldwin Insurance Group, Inc. ("Baldwin") (NASDAQ: BWIN) and its affiliates, is an independent insurance distribution firm providing indispensable expertise and insights that strive to give our clients the confidence to pursue their purpose, passion and dreams. As a team of dedicated entrepreneurs and insurance professionals, we have come together to help protect the possible for our clients. We do this by delivering bespoke client solutions, services, and innovation through our comprehensive and tailored approach to risk management, insurance, and employee benefits. We support our clients, colleagues, insurance company partners, and communities through the deployment of vanguard resources and capital to drive our organic and inorganic growth. The Baldwin Group proudly represents more than three million clients across the United States and internationally. For more information, please visit www.baldwin.com.

ABOUT CAC GROUP

CAC Group is a leading insurance broker and advisor that provides expertise and placement capabilities across the spectrum of insurance and capital markets. The entity comprises CAC Specialty, an industry leading specialty broker, CAC Agency, a P&C, personal lines and employee benefits broker, and CAC Capital, a structured solutions group that specializes in the convergence of insurance and capital markets. Collectively, CAC Group serves large corporations, small-to-medium enterprises as well as individuals. It is an employee-owned company and ranked in the top 40 of all U.S. brokerage firms. For more information, visit www.cacgroup.com.

NOTE ON NON-GAAP AND PRO FORMA MEASURES

With respect to The Baldwin Group’s expectations or projections regarding the performance of the Company, CAC, and the combined company, such expectations and the related forward-looking non-GAAP measures are presented on a non-GAAP basis without reconciliations of such forward-looking non-GAAP measures due to the inherent difficulty in projecting and quantifying the various adjusting items necessary for such reconciliations that have not yet occurred, are out of the Company’s and CAC’s control or cannot be reasonably predicted.

NOTE REGARDING FORWARD-LOOKING STATEMENTS

This press release may contain various “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, which represent The Baldwin Group’s expectations or beliefs concerning future events. Forward-looking statements are statements other than historical facts and may include statements that address The Baldwin Group's future operating, financial or business performance or The Baldwin Group’s strategies or expectations, including those related to the merger described above (the “Merger”). In some cases, you can identify these statements by forward-looking words such as “may,” “might,” “will,” “should,” “expects,” “plans,” “anticipates,” “believes,” “estimates,” “predicts,” “projects,” “potential,” “outlook” or “continue,” or the negative of these terms or other comparable terminology. Forward-looking statements are based on management’s current expectations and beliefs and involve significant risks and uncertainties that could cause actual results, developments and business decisions to differ materially from those contemplated by these statements. Factors that could cause actual results or performance to differ from the expectations expressed or implied in such forward-looking statements include, but are not limited to, those described under the caption “Risk Factors” in Baldwin’s Annual Report on Form 10-K for the year ended December 31, 2024 and in Baldwin’s other filings with the SEC, which are available free of charge on the SEC's website at: www.sec.gov, including the occurrence of any event, change or other circumstances that could give rise to the termination of the definitive agreement, the risk that Baldwin or CAC may be unable to obtain governmental and regulatory approvals required for the proposed transaction, or required governmental and regulatory approvals may delay the proposed transaction or result in the imposition of conditions that could cause the parties to abandon the proposed transaction, the risk that the parties may not be able to satisfy the conditions to the proposed transaction in a timely manner or at all, Baldwin’s ability to successfully integrate businesses that it acquires, including CAC, and to achieve the benefits Baldwin expects to realize as a result of such acquisitions, general economic and business conditions, Baldwin’s business strategy for expanding its presence in our industry, Baldwin’s expectations of revenue, operating costs and profitability, Baldwin’s expectations regarding its strategy and investments, the potential adverse impact on Baldwin’s financial condition and results of operations if it does not realize those expected benefits, liabilities of the businesses that Baldwin acquires that are not known to it, Baldwin’s expectations regarding its business, including market opportunity, consumer demand and its competitive advantage, anticipated trends in Baldwin’s financial condition and results of operations, the impact of competition and technological change, existing and future regulations affecting Baldwin’s business, Baldwin’s ability to comply with the rules and regulations of the SEC Should one or more of these risks or uncertainties materialize, or should underlying assumptions prove incorrect, actual results may vary materially from those indicated. All forward-looking statements and all subsequent written and oral forward-looking statements attributable to The Baldwin Group or to persons acting on The Baldwin Group's behalf are expressly qualified in their entirety by reference to these risks and uncertainties. You should not place undue reliance on forward-looking statements. Forward-looking statements speak only as of the date they are made, and The Baldwin Group does not undertake any obligation to update them in light of new information, future developments or otherwise, except as may be required under applicable law.


View source version on businesswire.com: https://www.businesswire.com/news/home/20251202612384/en/

MEDIA RELATIONS

Anna Rozenich, Senior Director, Enterprise Communications
The Baldwin Group
630.561.5907 | [email protected]

INVESTOR RELATIONS

Bonnie Bishop, Executive Director, Investor Relations
The Baldwin Group
813.259.8032 | [email protected]

Source: The Baldwin Group

Polk State Alum Brews Success as Owner of Swan Brewing

9/28/2025

 
Guest Blog Post
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Dan Thumberg has become a well-known smiling face, serving up locally crafted and deservingly awarded brews at his premier taproom in Lakeland. His story, shaped by twists, turns, hops and ambition, includes a later-in-life stint at Polk State College, where he received his Associate in Arts degree while developing the preliminary ideas for Swan Brewing – now a staple in the Polk County community.

Thumberg and his business partner Christian Hood opened the doors to their brewery off Lake Wire in 2018. Since then, their team has racked up multiple accolades on Untappd, winning the Brewery Madness 2025 competition and high ratings for varieties like The Bean Blonde Golden Ale and Straight Outta Lakeland IPA. In recognition of its impact, Swan Brewing was also honored as the Lakeland Chamber of Commerce’s Small Business of the Month in April 2022.

“I have to give Polk State and the environment at Polk State credit for making Swan Brewing what it is, because it did spark that creativity that I needed,” Thumberg said. “The real planning came right around the time that I was at Polk State…, and it reminded me that there is more to this world than what I was used to.”

He started his college journey after high school at the University of South Florida, but “life got in the way” and led him to the workforce, where opportunities continued to present themselves but often required a degree for career advancement. He worked for Anheuser-Busch, American Express and Apple. It was in his 30s that Thumberg decided it was time to go back to school.

“I was nervous…, I thought I’d be surrounded by 18-year-olds fresh out of high school,” he recalled. “Seeing people my age, balancing work and school, made the transition so much easier.”

With the diversity of people from all walks of life and “an environment with thoughts bouncing around everywhere,” Thumberg was inspired to follow his passions – not only for beer, but also for community.

“It challenged me to understand different people, beliefs and backgrounds, which helped how I approach my business,” said Thumberg, who went on to receive his bachelor’s degree from the University of Florida.

With a growing craft beer scene, he developed the ideas for what would become a community-focused brewery. With nearly 40 years of combined brewing experience among its team, Swan Brewing emphasizes locally sourced ingredients and innovative flavors, resulting in standout beer like the Freedom American Lager, which clinched a Gold Medal at the 2022 Best Florida Beer Competition in the American Style Light Lager category.

Today, Swan Brewing stands as a testament to Thumberg’s vision and drive. Located in the heart of Lakeland, the brewery is more than a place to enjoy craft beer. He is most proud when speaking about the community atmosphere that has developed around the business.

“When I look out at our patio overlooking Lake Wire,… [I] see cellphones on the table and people having conversation. That’s the coolest thing,” he exclaimed.

Thumberg’s advice for aspiring entrepreneurs in Polk County is to embody the We are Polk motto.

“It starts with community, and it should be about the community,” he said. “That’s why I would recommend Polk State College wholeheartedly to anyone – not only to someone who is looking to find a state college to go to, but looking for any college to go to.”

“Polk State is one of the most affordable educations you can get anywhere in the state of Florida, but [it’s also] a world-class education…, right in your backyard.”

Editor's Note: Dan also currently serves on the Lakeland Chamber of Commerce Board of Directors.

Watson Clinic Celebrates Milestone in Construction of Two New Locations

9/7/2025

 
Guest Blog Post
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Signing the ceremonial construction beam (left to right) is Watson Clinic Chief Operating Officer Rebecca Pacatte, Watson Clinic Chief Executive Officer Jason Hirsbrunner, Watson Clinic Managing Partner Dr. William J. Roth, and Watson Clinic Chief Financial Officer Keith Pernicano.
On Wednesday, August 27, Watson Clinic hosted a special Topping Off Ceremony on the construction site of their sprawling new medical campus in south Lakeland. The ceremony marks a tradition in the world of construction as it celebrates the placement of the final beam at the highest point of a structure. In this instance, the Clinic proudly celebrated two new structures, which are both scheduled to open in the Summer of 2026.

Located at 4060 Lakeland Highlands Road, Watson Clinic Parkway Medical Center is a four-story, 80,000-square-foot facility housing some of the Clinic’s most popular specialties, including Urology, Orthopaedic Surgery, General Surgery, OB/GYN and many others. Patients will also benefit from on-site imaging and laboratory capabilities, and other features designed for operational efficiency and patient comfort. The second new facility, located at 4050 Lakeland Highlands Road, will be named Watson Clinic Surgery Center South. This 30,000-square-foot facility will offer convenient outpatient surgical procedures for patients who don’t require an overnight stay. Both facilities will be steps away from the Orlando Health Watson Clinic Lakeland Highlands Hospital, completing a medical campus designed to serve a patient’s every medical need.

Watson Clinic Parkway Medical Center and Watson Clinic Surgery Center South will be operated exclusively by Watson Clinic, much like their additional 20 locations across Polk, Pasco and Hillsborough counties, while the hospital is a joint collaboration between Watson Clinic and Orlando Health.

“This campus delivers flexibility to both our patients and our medical teams,” Chief Executive Officer Jason Hirsbrunner explained from the podium to the attending crowd. “You can schedule your regular doctor’s appointments at the Watson Clinic Parkway Medical Center, outpatient surgical procedures can be performed at our Watson Clinic Surgery Center South facility, and longer inpatient stays can take place at the Orlando Health Watson Clinic Lakeland Highlands Hospital.”

Conveniently situated directly off the Polk Parkway, the campus will be easily accessible to patients across every corner of Polk County and beyond.  To keep up-to-date on the campus, stay connected to Watson Clinic’s social media platforms or visit WatsonClinic.com/NewCampus.

Watson Clinic Foundation Expands Board of Directors; Includes Daughter of Clinic Co-Founder

7/29/2025

 
Guest Blog Post
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Pictured: Members of the Watson Clinic Foundation Board of Directors
​The Watson Clinic Foundation is pleased to welcome new members to their Board of Directors who collectively possess many decades of experience in healthcare and community advocacy.

“These additional talents bring fresh and invigorating new perspectives to our mission,” said Watson Clinic Foundation Chairman of the Board William J. Roth, MD, PhD. “Together, they will help us embark on an exciting series of education, research, service and collaboration initiatives that will continue to enhance the health of our community for generations to come.”
The new additions to the Foundation Board of Directors include:

Kay Annis Wilson is the daughter of Dr. Jere Annis, an Internal Medicine specialist who helped form Watson Clinic as a physician group practice in 1941. Ms. Wilson has amassed a wealth of experience in board governance, strategic planning and community engagement, having held leadership positions in nonprofit organizations including the Community Foundation of Tampa Bay, Champions for Children and the Tampa Bay History Center. Her previous work experience includes serving as the Director of Special Projects at Stanford University, and as the founder and CEO of Circlepoint, a consulting firm offering environmental, community relations and communications services.
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Pictured: Kay Annis Wilson, Daughter of Watson Clinic Founder Dr. Jere Annis
Pamela Carter, RN, BSN is a registered nurse who’s enjoyed working in the healthcare field for 40 years. Her career includes over 30 years of employment at Lakeland Regional Health where she served as the Assistant Director of the Emergency Department and in a number of other roles. She is currently working as a registered nurse at Central Florida SurgiCenter in Lakeland.

Ted Copeland has served as the Director of Legal Affairs, Privacy and Compliance at Watson Clinic since 2023. Prior to joining Watson Clinic, he spent more than 30 years in private practice representing physicians and other healthcare providers statewide.

Marsha Corum Vass is a Lakeland community advocate who began consulting the Watson Clinic Foundation in 2024 prior to joining their Board of Directors. She has decades of experience in the consulting field and possesses expertise in strategic planning, team building and implementation.

Other members of the Watson Clinic Foundation Board of Directors include Chairman of the Board William J. Roth, MD, PhD, Secretary & Treasurer Jason Hirsbrunner, BA, MBA, Executive Director Kim Brunson, Otolaryngologist and Facial Plastic Surgeon Pranay Patel, MD, mortgage banker and business leader M. Shane Glor, Watson Clinic Urgent Care specialist Jarett A. Gregory, DO, and Watson Clinic Family Medicine specialist Jason C. Saylor, DO.

​Founded in 1960, the Watson Clinic Foundation serves as the philanthropic arm of Watson Clinic. Throughout the years, the Foundation has impacted countless lives through educational outreach, research projects, community screenings, nursing scholarships, and other special programs. More information on the Foundation may be found at WatsonClinic.com/WCF. 

Watson Clinic Collaborates with Orlando Health on New Hospital; Constructing Additional Locations on Campus

6/9/2025

 
Guest Blog Post
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Watson Clinic is pleased to announce an affiliation with Orlando Health on the Orlando Health Watson Clinic Lakeland Highlands Hospital, a seven-story facility currently under construction at 4000 Lakeland Highlands Blvd. in Lakeland. In addition, Watson Clinic has announced two new locations – a state-of-the-art Medical Office Building and a cutting-edge Ambulatory Surgery Center - which are currently being constructed on the hospital campus.

The hospital will open with more than 300 inpatient beds, 69 emergency and observation beds, 11 working operating rooms, four cardiac and interventional suites and 18 beds in an intensive care unit (ICU) that will serve 36 patients at full build-out. Obstetric services and accommodations will also be prominent on opening day with eight labor and delivery rooms, two special c-section operating rooms and more than 25 post-partum rooms. A 12-bed neonatal intensive care unit (NICU) will debut shortly after the hospital opens.
 
The Watson Clinic Medical Office Building (name yet to be determined) will be an 80,000 square foot, four-story facility offering convenient appointment availability with specialists from Watson Clinic’s departments of Urology, Orthopaedic Surgery, General Surgery, OB-GYN, Gynecologic Oncology, and much more. On-site radiology imaging and laboratory testing will further enhance the level of care provided in this exciting new facility. The building will also offer self-check in kiosks, expansive waiting areas, and additional features that support operational efficiency and patient comfort.
 
The new Watson Clinic Ambulatory Surgery Center will expand the roster of outpatient procedures and services offered at the Watson Clinic Surgery Center at 1315 N. Florida Ave. in Lakeland. The center will be outfitted with six state-of-the-art operating rooms, 20 pre- and post-holding bays, and six post-anesthesia care units.  
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Pictured - Watson Clinic Medical Office Building (top) & Watson Clinic Ambulatory Surgery Center (bottom). Conceptual Renderings provided by Watson Clinic.
Like Watson Clinic’s 20 additional locations throughout Polk, Pasco and Hillsborough counties, the new Medical Office Building and Ambulatory Surgery Center will serve as standalone facilities operated exclusively by Watson Clinic. When coupled alongside the Clinic’s affiliation with Orlando Health on the Lakeland Highlands Hospital, these two additional locations will ensure a full-fledged campus where a patient’s every medical need can be addressed.
 
"Watson Clinic is excited to expand our presence on the new campus in order to serve the healthcare needs of our growing community," said Watson Clinic Chief Executive Office Jason Hirsbrunner. "These two new facilities will provide our current patients and all area residents with additional access to exceptional healthcare and – in the process – it will also bring more job opportunities to Polk County."
 
Currently, the entire Lakeland Highlands campus is scheduled to open in the summer of 2026. For more information and frequent updates on this ambitious project, follow Watson Clinic on their social media platforms or visit WatsonClinic.com/OH.

Florida-based Saunders Real Estate Expands as Independent Brokerage

2/24/2025

 
Guest Blog Post
 The Firm will Focus on Large-Acreage Land and Commercial Real Estate Across Southeast U.S
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Stepping into a new chapter of growth, Saunders Real Estate has transitioned away from the SVN franchise to operate as an independent brokerage focused on large-acreage land and commercial real estate across Florida and the Southeastern United States. Led by industry veterans Dean Saunders, Gary Ralston, and Todd Dantzler, and their team of over 100 advisors, the firm is now positioned to further expand its services and targeted regions to support clients in their efforts to maximize their land investments and make strategic real estate decisions.

This strategic shift allows Saunders Real Estate to provide comprehensive brokerage solutions uniquely tailored to landowners and commercial investors throughout major Florida markets such as Central Florida and Tampa along with major U.S. markets including Alabama, Arkansas, Georgia, and, soon, North Carolina. Recognized for its focus on agricultural,  conservation, recreation, and development land, the firm is set to leverage its local insights and national connections to guide clients in optimizing property value and strategically navigating land and commercial real estate markets.

“We appreciate our time with SVN and the relationships that were made," said Saunders, Founder and Managing Director of the brokerage firm. "We're excited about this next chapter and the opportunity to further refine our approach to serving clients with more specialized focus and regional agility.”

Saunders Real Estate provides comprehensive real estate solutions across the Southeast, seamlessly integrating land and commercial services to meet the diverse needs of landowners and developers. The firm's expertise encompasses large land transactions, conservation strategies, property valuation, and consulting, while simultaneously offering robust commercial real estate services across retail, office, and industrial asset classes. With a deep understanding of legislative insights and market dynamics, the team helps clients make strategic decisions through specialized property management, land auctions, leasing, and investment sales. This approach enables Saunders Real Estate to deliver tailored solutions that address the complex real estate challenges faced by clients throughout the region.

Saunders Real Estate extends its brokerage services through strategic knowledge-sharing initiatives, including three key conferences and quarterly and annual reports. The Florida Lay of the Land Conference, the largest land-focused event in Florida, brings together industry professionals to analyze regional real estate trends and investment opportunities. The I-4 Corridor Conference explores commercial real estate potential in Central Florida, while the Georgia Lay of the Land Conference provides insights into the state's agricultural and economic landscape. The firm's annual Lay of the Land Report offers comprehensive research on market conditions and trends across the Southeast. These events and publications position Saunders Real Estate as a vital resource for market intelligence and industry expertise.

“With a team of seasoned experts who know our key markets inside and out, this new independent approach gives us the momentum to accelerate the expansion of services and growth into new Southeast U.S. markets,” said Tyler Davis, ALC, President of Saunders Real Estate. “Our expanded presence and specialized focus position Saunders Real Estate to deliver unmatched expertise and value, enabling our clients to achieve their goals in land and commercial real estate faster and more effectively than ever.”

About Saunders Real Estate

Saunders Real Estate is a leading land and commercial real estate brokerage serving buyers, sellers, investors, and landowners across the Southeastern United States for nearly 30 years. With over 100 advisors and offices in major U.S. markets including Alabama, Arkansas, Florida and Georgia, we specialize in large-acreage land transactions, commercial property sales and leasing, and property management.

​To reflect our legacy and continued growth, Saunders Real Estate operates through two divisions—Saunders Land and Saunders Commercial. Our expertise spans agriculture, conservation, recreation, residential development, and commercial real estate, supported by specialized services such as forestry, land management, and investment acquisitions.
Today, Saunders Real Estate is recognized as a trusted authority in the region, delivering exceptional results through experienced leadership, innovative strategies, and a client-focused approach.

For more information on Saunders Real Estate, please visit https://www.saundersrealestate.com/

An Artistic Approach to Modern Banking

2/6/2025

 
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At Bank of Central Florida, we believe banking transcends numbers and transactions—it’s an art form. With this vision in mind, we proudly introduce The A.R.T. of Banking, a philosophy centered on Authenticity, Reliability, and Trust. These pillars reflect our commitment to personalized service, innovative solutions, and strong community ties.

Authenticity lies at the heart of our approach. We understand that every client has a unique story, and we aim to build meaningful relationships by valuing each individual as an integral part of our community. You’re never just a number to us; you’re a vital thread in the fabric of Central Florida’s vibrant community.

Reliability is more than a promise—it’s a practice. Our Relationship Managers dedicate themselves to providing personalized support tailored to your needs. Whether it’s guiding you through important financial decisions or ensuring smooth day-to-day banking, we’re here every step of the way. You can count on us to prioritize your goals and deliver solutions that align with your vision.

Trust is the foundation of everything we do. We combine cutting-edge technology with an unwavering commitment to safety and security. This ensures a seamless, reliable banking experience that allows you to focus on what matters most—your dreams and aspirations. With Bank of Central Florida, you can bank confidently, knowing your future is in trusted hands.

Evolving Traditional Banking

Banking has evolved significantly over the years, and so have we. At Bank of Central Florida, we merge timeless values with modern innovation. The A.R.T. of Banking is more than a philosophy; it’s a mindset. We approach every financial solution with creativity, care, and an unwavering focus on our clients’ unique needs. Each interaction and solution is as thoughtfully crafted as a masterpiece.

Our personalized approach ensures that no two experiences are alike. Whether it’s helping a business expand, guiding a family toward financial stability, or navigating complex financial landscapes, we approach each situation as an opportunity to create something extraordinary. This blend of artistry and expertise is what sets us apart.

What Does Your Financial Masterpiece Look Like?

​Your financial journey is as unique as you are. At Bank of Central Florida, we’re here to help you turn your financial vision into a masterpiece. By understanding your goals, challenges, and aspirations, we create tailored banking experiences that align with your needs.

Let us help you bring your vision to life. Connect with us today and discover how The A.R.T. of Banking can support your goals, empower your dreams, and make your financial future a masterpiece.

Setting the Standard in Urgent Care

9/9/2024

 
A guest blog post.
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Life’s little bumps and mishaps are often unavoidable. An unexpected bout of the flu, an injury during a game of football with friends, or an episode of dehydration from spending time in the scorching Florida sun are just a few of the scenarios where you could find yourself needing immediate medical care. 

Thankfully, Watson Clinic’s three walk-in care facilities – Urgent Care Main , Urgent Care South, and XpressCare Highlands  – are open extended hours seven days a week to serve the needs of patients who can’t wait for a regularly scheduled appointment with their physician and want to avoid the high costs and hassles of a traditional emergency room visit. You just walk right in and get the care you need without having to schedule an appointment. 

“This is not the typical urgent care you find throughout the country,” says Jarett Gregory, DO, a board-certified specialist at the Watson Clinic Urgent Care South location.  “Watson Clinic has shown a serious commitment to staying ahead of the curve in providing quickly accessible on-demand services of the highest quality.”

Unlike many other facilities of its kind, Watson Clinic’s walk-in care locations feature a staff of board-certified physicians who are always physically present. These specialists have extensive backgrounds in fields like family medicine, internal medicine, emergency medicine, and pediatrics. Their efforts are complimented by an extended team of highly trained medical providers. 

On-site laboratories and radiology units are also tremendously beneficial to patients. Testing and imaging can be performed during a single visit, which results in greater convenience, efficiency, and accuracy.

“This is how you do Urgent Care medicine,” Dr. Gregory explains. 

Conditions that can be addressed at each location for patients ages 2 and up include:
  • Cold and flu
  • ​Sore throats
  • Upper respiratory, eye, or skin infections
  • Urinary tract infections
  • Lacerations
  • Earaches
  • Minor burns
  • Sprains or strains
  • Nausea, vomiting or diarrhea
  • Allergic reactions
  • Animal or insect bites
  • Minor sports injuries
  • Dehydration
  • And much more!
For more information on Watson Clinic’s walk-in care options, visit WatsonClinic.com/WalkIn. 

To learn more from Dr. Gregory, tune in to episode 5 of the Watson Clinic Health Talk Podcast.

Watson Clinic Urgent Care Main
1600 Lakeland Hills Blvd. – West Entrance
Lakeland, FL 33805
Monday – Sunday: 8 am – 6 pm

Watson Clinic Urgent Care South
1033 N. Parkway Frontage Rd.
Lakeland, FL 33803
Monday – Sunday: 8 am – 6 pm

Watson Clinic XpressCare Highlands
2300 E. County Rd. 540A
Lakeland, FL 33813
Monday – Saturday: 8 am – 6 pm
Sunday: 9 am – 3 pm



The Importance of an Annual Eye Exam

8/9/2024

 
Guest Blog Post
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Among the many routine healthcare screenings that patients are encouraged to prioritize, there’s one that is too often overlooked: the annual eye exam.

“Eye exams are essential for the screening of potential vision-threatening diseases” says Dr. Elizabeth George, a board-certified Optometry specialist at Watson Clinic Main in Lakeland. “During a routine exam, we assess the structures of the eye, screen for eye diseases, check eye muscle function, and even evaluate peripheral vision. If we notice a change in your vision, we can also provide prescriptions for glasses or contact lenses.”
Here are three common conditions that can be recognized and diagnosed during a routine eye exam:
Cataracts – Although considered a normal change with aging, cataracts often cause significant visual difficulties as they progress. Cataracts are characterized by the natural lens in the eye becoming cloudy. The progression of cataracts is slow & gradual, and a dilated eye exam can detect the presence of the condition early. Minimally invasive surgery can be performed to replace the clouded lens of the eye. This is one of the most commonly performed medical procedures in the United States and boasts a remarkable 95% rate of effectiveness.

Dry Eye Syndrome – The surface of the eye is a complex and sensitive system. When that system becomes imbalanced, dry eye syndrome can occur. There’s a lot of different factors that can contribute to dry eye, but one of the major culprits is prolonged screen time on computers and mobile devices. “We don’t blink as often when we’re focusing on a screen, which can cause the surface of the eye to get irritated and dry over time,” Dr. George explains. “It is essential to take frequent breaks from screen time, which allows the focusing system of the eye to reset.”

Glaucoma –
Millions of Americans have glaucoma, but nearly half of them may not realize it.  That’s because glaucoma usually does not result in noticeable symptoms until substantial vision loss occurs. Glaucoma occurs when high eye pressure impacts the optic nerve and causes damage over time. When detected early, the progression of glaucoma may be slowed or prevented with prescription eye drops. 

Watson Clinic’s skilled Optometrists provide comprehensive eye exams, vision tests, and much more for patients 5 years and older. The department can also offer swift referrals to Watson Clinic’s Ophthalmology department when surgical intervention is needed. To schedule an appointment with any member of Watson Clinic’s Optometry department, call 863-680-7486.
To learn more from Dr. George on the importance of eye exams and the common conditions they can detect, tune in to episode 2 of the Watson Clinic Health Talk podcast by visiting WatsonClinic.com/Podcast.

Lakeland Electric Invites Nonprofits to Apply for Community Giving Program

6/15/2024

 
Guest Blog Post
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At Lakeland Electric, we understand the valuable role that local organizations play in our community. That's why we are dedicated to supporting non-profits through our Community Giving program. We know that the work you do is incredibly important, which is why we invite you to apply for our grant program. We want to maximize our support and help as many organizations as we can. We look forward to hearing from you and learning more about how we can assist your important work in our community.

Volunteerism is not just a part of our Community Giving at Lakeland Electric; it's a cornerstone. Our employees often lead by example, donating their time and skills to various causes and projects. These volunteer efforts make a significant difference in the community and foster a culture of service and empathy within our organization. We are proud of our employees' dedication and their commitment to making a positive impact in the community we all call home.

Lakeland Electric’s role in  is both vital and multifaceted. Through our various initiatives and programs, we provide essential services and contribute to the community's social, educational, and economic well-being. At Lakeland Electric, we're inspired by the incredible power of community and support.

If you are a State of Florida-registered non-profit organization serving the public within the Lakeland Electric territory, please consider applying for our Community Giving Grant Program. The selection process is competitive because we at Lakeland Electric want to honor and help those doing the very best for our community.
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Each year, we receive far more requests for sponsorship than our dollars allow. We will limit the amount of funding each organization grants to $1,000.00. To assist us with our decision-making and ensure we maximize our outreach to the community, we ask that each organization interested in being considered for Community Giving Grant funds prepare and submit an application for review.

Community Giving Grant Application
The application timeline for the Fiscal Year 2025 Community Giving Grant is as follows:
  • Lakeland Electric begins accepting applications on June 15, 2024
  • The deadline for application submissions has been extended until August 18, 2024 
  • Selected organizations are notified via mail during the last week of September 2024
  • Funding is disbursed during October 2024
Review our Community Giving Grant Procedure

If you received a grant last fiscal year (October 1, 2023 - September 30, 2024), please complete and return the Update Form when applying for a new grant. 

Please feel free to email your questions to [email protected] 

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