Physicians Thrive Helps Doctors Navigating Hurdles

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About three-fourths of physicians sign contracts without asking questions or getting them reviewed, leaving themselves vulnerable to exploitation.

That’s leaving them at a significant disadvantage, says Justin Nabity, founder and CEO of Physicians Thrive.

“Administration is winning, while doctors are losing badly – every single day,” Nabity said.

At Physicians Thrive, consultants and attorneys help physicians address their personal financial planning, contract review and even student loan planning. They serve as the “financial eyes in the sky” for their clients.

Nabity set out just over 11 years ago to use his financial expertise to help physicians take control of their careers. He said his in-laws told their children not to go into medicine because of how the field has changed in the late 20th and early 21st centuries.

“With how difficult it is to practice, it really causes parents to say, ‘I’m not so sure you want to do what I’ve done.’ To us, it’s an injustice, because it is a noble profession,” Nabity said.

Serving clients across all 50 states, Nabity and Chief Operating Officer Reid Lancaster make themselves available 24/7.

The firm offers an array of services including consulting, financial planning, and contract negotiation. Its contract review covers 100 points, including on-call pay, vacation time, work hours and schedule and reimbursement for continuing medical education.

Recent studies of physicians entering the workforce show that administration is growing aggressively as practicing physicians are dwindling. For-profit hospitals are giving medical professionals less. Physicians who just accept what they are offered risk leaving their earning potential unrealized.

“Most people have no idea how being a physician is an uphill battle,” Lancaster said. “They’re dedicated warriors who help us have the best life possible, and they get taken advantage of.”

Because of its track record for over a decade and its position to continue its growth, Physicians Thrive has been recognized the Greater Omaha Chamber’s Small Business of the Month for June.

Nabity said many physicians – particularly those in specialized fields – can have unique job expectations, and they have different needs than nonphysicians.

“Our goal is to bridge the gap between when they put the blue gloves on and take the blue gloves off,” Nabity said.

For more information on Physicians Thrive, visit

KJK Lawncare Puts ‘Care’ Into Lawncare

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Approaching its fifth year in business, KJK Lawncare has grown by establishing roots in the community and treating their customers as well as employees like family.

Owned by Josiah Cherry, an entrepreneur with a passion for being outdoors, came from a management background before founding KJK. Growing up among his family’s winery in Missouri, Cherry saw the value of what a hard day’s work could accomplish and decided he wanted to venture out on his own.

“I’ve always loved working with my hands, so that inspired me to give it a go to start our own lawncare operation,” Cherry said.

While he didn’t grow up in the lawncare industry, the skills he learned at the winery translate beautifully into day-to-day life as a business owner and entrepreneur. Not only does Cherry work alongside his team members on their daily projects, but he also serves on the Nebraska Turfgrass Association Board of Directors.

“I’m actually president of the board this year and that partnership is what has helped my business be successful,” Cherry said. “We funded the UNL Turf program, so we’ve been able to utilize a lot of their research to help better our skills as a company.”

The lawncare industry can be quite competitive, but Cherry’s philosophy is one of cooperation.

“Each year in January, I give business coaching to other lawncare operators about things that have helped my business, hurt my business, and helped me grow,” he said.

Rather than operating as competitors, Cherry wants businesses to make each other better and build the industry as a whole.

When Cherry started his business, the name KJK Lawncare came easily to him.

He knew the business would take up a great deal of time away from his family and wanted the constant reminder of why he went into business. So he used the names of his wife Krissie, daughter JJ and son Kaden to create the “moniker “KJK.”

KJK Lawncare was selected as the Greater Omaha Chamber of Commerce Small Business of the Month for May. Cherry said it felt “phenomenal” to be recognized.

“We love giving back to the community,” he said. “We’ve been part of the chamber for a little while now, and to be recognized for what we’re doing is huge.”

Part of his company’s success is his two philosophies: treat every lawn with care and have fun.

Cherry said his service would treat a lawn at a north Omaha home and an executive office in Waterloo with the same level of professionalism.

“All of our properties get a high level of service, and we treat them like we would treat our own lawns,” he said.

Reed Board, one of Cherry’s employees, said the job has been an eye-opening experience.

“Joe is a great person and is particularly good with customers,” Board said.

Ridge Barnes, another KJK employee, said he loves working outside with his hands.

“If I can spend an extra 20 minutes doing something for a customer that I know is going to make their property better, I’ll do it,” Barnes said.

Even though Cherry owns and runs the business, he still works on lawns with his team every day.

“I’m not a hands-off manager,” Cherry said.

KJK Lawncare treats its community like family and adopts five families every season who are have military deployed or fighting cancer. They also select various nonprofits to redesign their landscaping at no cost.

“We wouldn’t be here without our community and our clients,” Cherry said. “I’ve always loved giving back to a community that we’re a part of.”

Cherry said his company is always looking for nominations of families or charities that could use assistance. Email any suggestions to

“We want to get as many stories as we possibly can and pick the five families that we can impact the most,” Cherry said.

For more information on KJK Lawncare, visit

Expertise Pays Dividends When Buying and Selling Businesses

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The COVID-19 pandemic has virtually flipped the business marketplace on its head, making experience all the more important for those looking to buy or sell a small business.

David Bandars, owner of RPR Business Associates Inc., is at the ready to help guide business owners and potential buyers during times of financial uncertainty.

While he specializes in working with small businesses, Bandars completes over a dozen valuations a month for companies of all shapes and sizes all over the country.

As a member of the National Association of Certified Valuation Analysts, RPR has been working to understand the impact on the valuation process for the thousands of companies in the Omaha area affected by the pandemic.

Sandy Kasin, owner of SBA Commercial Loan Solutions, has partnered with Bandars many times over the years. While the market “is pretty well shut down,” Kasin anticipates a rapid ramp-up in sales once businesses return to their normal function.

Among so much uncertainty, business owners have a flurry of questions for their financial advisors, especially how much less their company is worth today compared to the start of the year. Bandars said businesses were recently seeing 20% to 55% value discounts.

“But that will change if we can get this economy back sooner than later,” he said.

Because of these disparities, deals are being cancelled or put on hold, causing both buyers and sellers to contemplate their next move carefully.

“I think the COVID-19 might prompt some people to sell their business that weren’t quite ready or motivated to do so,” Kasin said. “They may be tired of the fight, and I think there’ll be some great opportunities.”

On the other hand, Bandars advised sellers to be wary of the current market and to try to hold off on selling their business until the market has recovered.

“Buyers can afford to wait out this economic recession and attempt to force the seller into taking an offer that they otherwise may not have considered,” Bandars said. “We are advising our sell side clients of that and, in many cases, the seller is willing to just take the business off the market for the time being.”

Jamie Dudney, president & CEO of Arion West, has seen some deals put on hold, but not because a buyer or seller pulled out of them.

“The ones that still want to progress are on hold because the banks are so overwhelmed with the emergency financing,” Dudney said.

Some businesses categorized as essential are thriving more than ever – especially those that have been willing to get creative with their business model.

“There is a nail salon in Elkhorn that has turned the salon into a COVID-19 supply distribution center,” Dudney said. “People in our community are not going to forget them.”

Dudney has also seen several successful deals in those industries go through. HVAC, lawn care and similar businesses with limited contact with customers have stayed fruitful because of the relatively reduced risk. However, Dudney warns these businesses that their pace might slow as disposable income dries out in a struggling economy.

Experts like Bandars emphasize that right now is not a particularly advantageous time to be a buyer or a seller.

“Our country has never experienced anything like this before of this magnitude,” Bandars said. “And therefore, sometimes the best response is to just not do anything.  To hold down the fort and take a ‘wait and see’ approach for a while.”

That being said, the uncertainty can also mean deals are available that wouldn’t normally be on the market.

“As a buyer, you must remember that this might just be the once in a lifetime opportunity to buy the perfect business at a much lower price than you would pay in normal economic times,” Bandars said.

Bandars advises small businesses owners to “put your foot on the gas” to ramp up new ways to produce revenue that can be immediately incorporated into their existing business model.

It’s important to always think long-term, Kasin said.

“If you can find a business that’s cash flowing now or will be as soon as the economy opens again, there’s a great opportunity,” Kasin said.

With interest rates at an all-time low, it is also an advantageous time to take advantage of small business loans and interest-free financing. Dudney said companies that aren’t willing to get creative “may not be around” when COVID-19 has loosened its grip on the country.

With so much uncertainty in our economy, now is the ideal time to speak with RPR Business Associates and explore loan options being made available during the pandemic.

For more on RPR, visit or call 402-305-6088.

Royalty Roofing Looks to the Heavens for Inspiration

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When Nick Bermel first began his construction business, he was a one-man operation doing the work by hand. Now, he runs a crew of 10 staff members and treats them – as well as his customers – like royalty.

“The name Royalty Roofing & Renovations itself comes from a faith-based background,” Bermel said. “Part of what we do is giving back, and a lot of that comes from serving one another and having a service mentality.”

The “royalty” also refers to ides of Christ the King, seated at the right hand of God, Bermel said.

One of the biggest reasons Royalty Roofing has been so successful is its dedicated staff of team members and the way Bermel structures his business.

While many remodel companies hire hourly or commission-based sales employees, Bermel uses staff whom he pays salary plus commission.

“We really want our team of people to uphold their character and their morals,” Bermel said.

Although finances are important, the big picture is about service and making the right sale – as well as paying a fair wage.

Ethics is a top priority for Royalty Roofing because the industry can be “feast or famine,” which can invite unethical behavior.

“I want them to grow it and achieve long term success,” Bermel said of his company.

Ted Pollack, a sales representative that has been with Royalty for five years, came to work with Bermel after 20 years working in a supply house. That experience, he said, “was my saving grace” when it came to learning the sales side – as well as providing a chance to meet Bermel.

“When I was with the supplier, he bought from me on a regular basis,” he said. “It’s like family.”

When Bermel first started his career, he worked at several construction firms. He also spent some time in construction retail and learned over time how many don’t treat their people fairly.

“I had a firsthand experience on how insurance companies did their work and the inconsistencies that went along with the overall industry,” Bermel said.

So when Bermel began his own firm, he decided to operate with 100% transparency.

“I made a decision that we were just going to treat people right, and we were going to hold ourselves accountable for the way we did business,” he said.

His approach and dedication is why the Greater Omaha Chamber selected Royalty Roofing & Renovations as its April Small Business of the Month.

Bermel has used his chamber membership to grow the personal relationships essential to having a successful Omaha business.

“That’s what I love about Omaha,” he said. “Omaha is big, but it’s still like a small community feel, because you always run into somebody you know or someone that knows your family. I think on the small business side, that helps build trust.”

Royalty specializes in the assessment and repair of roof, siding, gutters and windows. Its staff are constantly learning and training with the brands they sell.

“We spend a lot of time with our staff and even our subcontractors,” Bermel said.

To maintain quality, staff at Royalty Roofing & Renovations go through yearly and quarterly product training for every product they install. Bermel said that “allows them to recognize that not every home is the same, and to recognize what is important when we’re going to do a project.”

It’s important for his staff to know every aspect of installation and materials, so they can make a lasting impact on the home and not just put a product on that is a short-term solution, Bermel said.

Royalty is officially certified to install brands such as James Hardy, LP SmartSide, Mastic, Certainteed, and DaVinci.

For his customers, Bermel feels rewarded knowing he is installing a quality product with the right techniques.

But he said the most rewarding aspect of the job is creating success: “The greatest reward that we get to offer the customer is our expertise and professionalism.”

Find more about Royalty at