![]() Due to the U.S. Department of State’s 90-day stop-work order on all USAID-funded international development projects, World Council of Credit Unions (WOCCU) has had make to the difficult decision to reduce its Global Programs’ staffing levels. However, that decision will not impact WOCCU’s International Advocacy work, nor its engagement, education and networking activities—including the 2025 World Credit Union Conference in Stockholm, Sweden, July 14-16. WOCCU was implementing three USAID-funded projects in eight countries when the stop-work order went into effect in late January, including:
Due to local labor law restrictions, and in order to remain in compliance with the stop-work order, WOCCU had to reduce the staffing levels for our overseas' project staff, while moving its U.S.-based project staff to part-time as it waits for the review process to conclude. In a show of solidarity, all WOCCU employees will be taking one unpaid furlough day per month and working collaboratively in an effort to sustain the important development work of the organization to the benefit of its member credit union organizations and partners in these countries. “WOCCU is not closing its doors. All the services we provide to our member network of 80-plus national and regional credit union associations and other industry partners will continue without interruption. On the contrary, we invite everyone in our credit union movement to step up for WOCCU and engage with us, because we need you now more than ever. That includes joining us in Stockholm for our 2025 World Credit Union Conference. With the UN declaring 2025 the International Year of Cooperatives, we want credit union professionals everywhere to register for WCUC 2025 in a show of solidarity,” said Elissa McCarter LaBorde, WOCCU President and CEO. “We are facing a tough moment, but we are committed to continue our development work. WOCCU’s Global Programs will pivot, rebuild and continue to do the things we believe in, because they are based on the proven model of cooperative finance that both uplifts communities and brings a solid return for our investors and funders, including in the U.S. We remain committed to the cooperative movement and its work around the globe to advance financial access through credit unions and deliver measurable, long-term benefits for the communities they serve.”
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![]() To help drive change and build brighter, better communities for all, the Desk Drawer Foundation, the philanthropic arm of MSU Federal Credit Union (MSUFCU) and Oakland University Credit Union, recently announced the 2025 charity partners chosen by employees through the Credit Union’s CU Involved program. Each year, MSUFCU employees vote on and select organizations with causes that align with the Desk Drawer Foundation pillars within the regions where Credit Union members live and work. With MSUFCU’s expansion into Illinois, two new regions will benefit from employee support. For 2025, employees will support Affirmations in southeast Michigan; Family Promise of West Michigan; Michael’s Place in northern Michigan; New Moms in the Chicagoland area; Salute, Inc., in northern Illinois; Women’s Center of Greater Lansing; and the Credit Union’s ongoing charity partner, the United Way of South Central Michigan. Support will include volunteer and fundraising efforts organized by the CU Involved Committee. “MSUFCU employees truly live out one of the Credit Union’s core values, Give Back to the Community,” said Rebecca Surian, Executive Director of the MSUFCU Desk Drawer Foundation. “Nearly 75% of employees contribute to the Foundation’s Charity Partner Fund. In addition to their personal contributions, employees organize in-house fundraising efforts to raise additional dollars to support these organizations. The assistance does not stop there — Credit Union employees will also volunteer their time and talent to support these organizations throughout the calendar year.” Affirmations Region: Southeast Michigan Pillar: Youth Empowerment Affirmations provides a range of youth empowerment programs free of charge, including a drop-in center, leadership and development program, internships, and discussion groups. These services are inclusive of all sexual orientations, gender identities and expressions, and cultures. “Funding received will go directly to supporting LGBTQ+ youth,” said Cheryl Czach, Executive Director. “Youth programming is the flagship programming for the center, and these funds will support our Lavender Leadership Academy, a youth leadership and job readiness program that empowers youth ages 14-22 with the skills to advance their leadership involvement, enter the workforce, and transition into adulthood. We are looking forward to a collaborative 2025 partnership.” Family Promise of West Michigan Region: West Michigan Pillar: Stable Housing Family Promise of West Michigan supports stable housing to end homelessness, one family at a time, by providing emergency shelter, basic needs assistance, finding future housing, and helping families sustain independence. “Family Promise of West Michigan is on a mission to end homelessness, one family at a time,” said Hanna Visser, Grants and Compliance Coordinator. “One of our core programs focuses on keeping families stably housed after a housing crisis. This partnership with the MSUFCU Desk Drawer Foundation will directly impact this program, allowing us to provide personalized case management and financial assistance to help with unexpected expenses. Together, we are providing pathways out of poverty and building families’ stability — ensuring they never experience homelessness again.” Michael’s Place Region: Northern Michigan Pillar: Youth Empowerment Michael’s Place empowers grieving children, teens, adults, and families throughout northern Michigan. The organization offers innovative and compassionate support programs designed to ease the impact of loss and foster resilience. “In Michigan, one in 11 children will experience the death of a parent or sibling by age 18,” said Connie Wintzinger, Development Director. “Valuable partnerships like this strengthen Michael’s Place as we serve bereaved children, teens, and adults with comprehensive support, advocacy, and education across northwest Michigan. These opportunities ensure that every young person has access to the care and community they need to heal. Together, we are building a future where no child journeys through grief alone.” New Moms Region: Chicagoland Pillar: Stable Housing New Moms partners with young mothers to address systemic obstacles to stable housing. Its programs include family support, academic coaching, employment pathways, and housing assistance. “This partnership is built on the shared belief that stable housing is the foundation for a stronger, more resilient community,” said Jenna Hammond, Chief Development Officer. “Through the Stable Housing pillar, we are not only providing a place to live, but also fostering security, opportunity, and hope. By offering holistic services tailored to the unique needs of young moms — including housing, job training, family support, and mental health services — we are empowering them to build a bright future. Together, we are ensuring that every young family has the opportunity to thrive.” Salute, Inc. Region: Northern Illinois Pillar: Stable Housing Salute, Inc. supports the financial, physical, and emotional needs of injured military service members, veterans, and their families. Funds will specifically support stable housing initiatives. “Salute was founded and has continued to grow over the past 22 years because of community leadership,” said Mary Beth Beiersdorf, Co-Founder and Executive Director. “During the past year, we have ‘kept the lights’ on and a roof over the heads of 375 active-duty members, veterans, and their families, investing over $750,000 in rent and mortgage. With the help of our new friends and partners at MSUFCU Desk Drawer Foundation, we will be able to continue to keep the homefront stable, strong, and secure.” Women’s Center of Greater Lansing Region: Mid-Michigan Pillar: Entrepreneurship The Women’s Center of Greater Lansing advances entrepreneurship by offering comprehensive career support services. These include a job seeker support group, one-on-one career coaching, interview preparation, budgeting classes, application assistance, and counseling. “We are thrilled to receive this support, which plays a critical role in empowering women entrepreneurs in our community,” said Rebecca Kasen, Executive Director. “This funding allows us to provide tailored resources, mentorship, and training through the Bold Steps Business Lab, ensuring that women have the tools and support they need to turn their ideas into sustainable and impactful ventures. Together, we are fostering innovation, financial independence, and community growth in the Lansing area.” United Way of South Central Michigan, Legacy Partner Region: Mid-Michigan Pillar: Empowering Youth and Financial Education Funds will be allocated equally between CapCAN and JobSTAR. “UWSCM is grateful for the long-standing support and partnership of MSUFCU employees,” said Chris Sargent, President and Executive Officer. “United through our partnership, MSUFCU and UWSCMI support CapCAN and the JobSTAR program in Jackson County. CapCAN ensures Capital Area high school students have supports and tools to successfully launch into their post-secondary education. The JobSTAR program helps employers and employees by connecting employees with resources to help overcome obstacles that may impede their ability to work, such as housing, transportation, and health care.” Credit Union members can join MSUFCU in supporting nonprofits that align with the Foundation’s mission, vision, core values, and philanthropic pillars. “It is easier than ever — simply visit the Foundation’s Donate page and make a credit card or ACH gift and join us in lifting up our communities today,” Surian said. For more information on the MSUFCU Desk Drawer Foundation and to donate, visit deskdrawerfoundation.org, call 517-333-2299, or email [email protected]. ![]() Credit Union Leasing of America (CULA), the leader in indirect vehicle leasing for credit unions for over 35 years, today announced the appointment of Chris Harper as Director of Business Development. Harper will lead strategic initiatives to build new partnerships, strengthen customer engagement, and drive revenue growth, leveraging his extensive experience in financial services, fintech, and credit union sectors. "We are pleased to welcome Chris to CULA”, said CULA President, Ken Sopp. “Chris, who is a seasoned professional with a proven track record of building strong relationships and delivering exceptional results, will continue the extraordinary work of our dear friend and colleague Mark Chandler, who passed away in November. Chris has a deep background with auto finance and credit unions and we are confident he will build on the strong network Mark built and continue his passion for bringing the benefits of affordable and flexible auto financing options to our credit union partners.” Harper joins CULA with 25 years of credit union industry experience in sales, partnerships, and business development. Most recently, he served as Senior Director of Credit Union Partnerships at Goalsetter, where he led financial institution sales and acted as the primary liaison to fintech solution providers. Prior to that, Harper held key leadership roles, including Regional Vice President of Sales at Open Lending and Senior Director of Membership at Filene Research Institute, where his teams consistently achieved strong growth and expanded market presence. He also spent 15 years with Origence, where he last served as Vice President of Strategic Alliances during which he cultivated new partnerships with fintechs, broadened market reach and created new revenue streams. “With vehicle prices remaining at stubbornly high levels, leasing continues to gain traction as an optimal choice for consumers, and we are committed to helping credit unions seamlessly incorporate leasing into their portfolios. Chris’ expertise in sales, strategic partnerships, and team leadership will be instrumental to our mission,” continued Sopp. "This is a bittersweet moment. I could not be more proud to join CULA and work with such a dynamic and forward-thinking team, but, I know I have big shoes to fill with the passing of our beloved Mark," said Harper. "I am deeply honored to continue his legacy and look forward to helping credit unions across the country with CULA’s innovative, turnkey leasing solutions." For over 35 years, CULA has been a leader in indirect vehicle leasing for credit unions, offering an innovative, analytically driven program that handles the complexities of leasing, including insurance, operations, and compliance. By understanding the credit union financial model, CULA has built long-term relationships with top-tier credit unions, including nine of the top 10 in the U.S. offering leasing. Its program allows credit unions to seamlessly add leasing to their portfolios and enables dealers to provide customers with more financing options, addressing affordability concerns. Currently, CULA's leasing platform operates in 23 states, with more than 40 credit unions actively participating. Harper holds a B.S. in Mass Communications/Public Relations from Virginia Commonwealth University and has completed credit union executive leadership and advanced sales management training through Western Credit Union Management School and the American Management Association. ![]() World Council of Credit Unions (WOCCU) President and CEO Elissa McCarter LaBorde on Monday sent a letter to U.S. Secretary of State Marco Rubio stressing the strategic importance of the USAID-funded financial inclusion projects WOCCU implements through credit unions in eight countries and asking he honor USAID's existing funding obligations. "USAID funding has allowed us to leverage millions of dollars of private capital through credit unions to increase the incomes of individuals, create jobs, support local economies and deliver what has become a global movement of self-sustaining, local financial institutions that do not depend on aid, but rather mobilize domestic savings and make people’s money work for them. By fostering economic self-reliance through trusted financial institutions, USAID and WOCCU help counter economic desperation, crime and instability—stemming further illegal immigration to the United States. At WOCCU, we believe in foreign assistance programs that deliver measurable, long-term benefits for both the developing world and the American people. However, the nature of this sudden blanket freeze on aid has put organizations such as ours in a precarious financial and legal position, and it has put our employees—American citizens here and abroad—at significant personal risk," reads a portion of the letter. McCarter LaBorde sent the letter one week after USAID issued stop work orders on all three of WOCCU's current USAID-funded projects at the direction of the U.S. Department of State. "We urge you to honor the equitable adjustments for existing obligations of funding for organizations that have been put under duress with little guidance on how to recover their immediate operating costs, and honor payments still pending for work completed prior to the stop work orders," wrote McCarter LaBorde. You can view the full letter to Secretary Rubio here. ![]() ModernFi CUSO, the first deposit network for credit unions, is pleased to announce that credit unions in the CUSO network can now provide their members access to $10 million in NCUA insurance* through a single account, a major milestone for the industry and for ModernFi in its mission to support credit union deposit and member growth. By offering accounts with millions in extended NCUA insurance*, credit union partners can further attract and retain large-value members such as businesses and municipalities, reduce reliance on rate, and support long-term member relationships. The rapid growth and adoption of the CUSO deposit network has allowed network credit unions to quickly benefit from the partnership, capturing multi-million dollar deposit balances while simultaneously delivering increased value to their members. ModernFi CUSO continues to onboard new credit unions on a weekly basis, and this continued expansion only further enhances the value delivered to both credit unions and their members, as higher and higher levels of insurance coverage* can be supported over time. With higher limits, which matter to large commercial entities, public funds, and nonprofits, credit union partners can serve an expanding universe of potential members. A list of ModernFi CUSO’s participating credit unions can be found below, with over 40 partners and counting. “From its inception, ModernFi CUSO has been a collaborative effort with our credit union partners,” said Mark Ward, VP of Product and Operations at ModernFi CUSO. “We’re grateful for the reception and adoption that we’ve seen from our partners and for the value we’ve been able to deliver to our recent network joiners. The growth of the network has helped us pass this important milestone; $10 million in NCUA insurance* per account is a significant amount, allowing our partners to serve very large members and balances. We look forward to the continued growth of the network as higher insurance limits will only increase the value that we are able to provide to our partners.” “MDC evaluated the full universe of solutions to help credit unions with deposit growth through our Balance Sheet Marketplace initiative; no other solution was able to support credit unions like ModernFi,” said Jeff Kline, CEO at Members Development Company (MDC). “The deposit network continues to be transformative for the industry, and it is incredible to see the growth of the network and the value that many MDC credit unions have already received through the ModernFi CUSO partnership.” John Carew, Chief Strategy Officer at Georgia’s Own Credit Union, highlighted the strategic importance of this milestone. “For decades, credit unions have been waiting for a solution like this as no other provider has been able to deliver,” said Carew. “ModernFi not only met the challenge but exceeded expectations by delivering a solution to credit unions in under a year. This is a true game-changer for credit unions, giving us the tools to grow, compete, and better serve our members in ways we never thought possible.” "The ModernFi team has been an incredible resource and partner as Ascend has grown our strategy around targeting businesses and other high value accounts," said David Feldhaus, CFO at Ascend Federal Credit Union. "The $10mm insurance threshold is a huge milestone that will allow us to take our marketing and product offering with these accounts to the next level." ![]() MDT, a CUSO that helps credit unions navigate complex financial technology ecosystems, today reflected on a strong year of growth and innovation, including its expanded client and partner community, dynamic new offerings and the launch of its elevated go-forward business strategy, helping empower credit unions to grow and solidify their positions as institutions of choice. As credit unions face new technological advancements and evolving member expectations, MDT is committed to providing the solutions and guidance needed to help organizations thrive. As a result, 5 credit unions, such as Sovita Credit Union, partnered with MDT and 10 credit unions renewed their contracts last year. The CUSO also fortified its partner ecosystem, forming key relationships with Allure Security, Persona and more. This robust partner network supports the MDT mission to guide credit unions through the complexities of the fintech landscape, empowering them to embrace innovation with minimal risk. MDT successfully executed 210+ fintech integrations for its credit union community in 2024. The CUSO also launched the MDT Compass App by leveraging the Google Cloud Platform, allowing credit unions to stay informed and connected to MDT support anytime, anywhere. MDT remained dedicated to providing the digital-first solutions needed to support credit unions. With expert integration capabilities, the CUSO helped many institutions securely and seamlessly connect with their preferred fintech partners. MDT also offered consulting solutions to help more organizations seamlessly roll out projects and enhance the skill sets of credit union staff, like with United Bay Credit Union. As credit union needs evolved, new consulting solutions were launched, such as MDT’s AI Bootcamp, a tailored framework that helps credit union clients establish a generative AI strategy and use cases within their organizations. MDT brought together hundreds of credit union leaders and business executives, hosting its 11th annual MDT E3 Conference in Southfield, Michigan last May and seventh annual CEO Forum in San Diego, California last August. The CUSO also announced that the MDT 2025 E3 Conference will be held at The Westin Book Cadillac in Downtown Detroit, unveiling the new theme of “Engage, Educate, and Elevate.” “2024 was a year filled with notable wins and successes; we unveiled our elevated business strategy, launched the MDT Compass App, welcomed new credit unions to the community and gathered in person to collaborate and celebrate the credit union movement," said Gary Lee, Chief Client Officer at MDT. "We are proud to help credit unions navigate today’s complex landscape with efficiencies and confidence, and we look forward to another year of working with credit unions to better support their members and grow.” Education Credit Union (ECU), based in Amarillo, Texas, has implemented the newly-launched Vertice ACQUIRE solution and achieved exciting results in its pilot program. Developed by Vertice AI, a leader in AI-powered member growth solutions, Vertice ACQUIRE leverages advanced, data-driven technology to transform how credit unions grow their membership base.
Vertice ACQUIRE uses a unique Acquisition Matrix Model Score to identify and engage prospective members likely to both (1) join the credit union and (2) grow into high-value, long-term members. By analyzing data from Experian alongside internal member insights, Vertice ACQUIRE forecasts which products prospects have a higher propensity to adopt and their long-term engagement potential. Using innovative predictive analytics, Vertice ACQUIRE enables credit unions to move beyond traditional acquisition strategies to personalized marketing strategies. ECU utilized this innovative solution to create hyper-targeted campaigns, resulting in three times higher engagement rates compared to previous non-targeted outreach. Tiffany Sharpensteen, VP of Marketing at ECU, shared, “Vertice ACQUIRE allows us to redefine our approach to membership acquisition and deliver immediate results. We can now focus our efforts on the right prospects with tailored messaging, maximizing our resources and setting the stage for sustainable growth.” Vertice ACQUIRE provides credit unions with actionable insights to:
“With Vertice ACQUIRE, we are taking another significant step in our mission to support credit unions with data-driven innovation,” said Mitch Rutledge, CEO of Vertice AI. “Leveraging predictive analytics enables credit unions to attract and grow their membership intelligently, driving both immediate and long-term success while keeping their mission of service at the forefront.” The solution integrates into the comprehensive Vertice AI platform, empowering credit unions to create tailored, data-driven member engagement plans that align with strategic growth goals. ![]() ALM First, a strategic partner for more than 300 financial institutions nationwide offering commission-free, fee-based advice, is celebrating its 30th anniversary. The firm began its operations on February 2, 1995, and ALM First founder, Emily Hollis, continues to serve as its CEO. “A lot has changed over the years but our core principle of putting our clients’ best interests first remains,” said Emily Hollis, CFA, CEO of ALM First. “Through multiple economic cycles, industry changes, and financial crises, our commitment to providing sound, strategic advice has never wavered. By listening to our clients and focusing on their unique needs, we’ve built lasting partnerships that have stood strong across three decades. We’re deeply grateful for the trust our clients have placed in us and look forward to continuing to serve the industry.” Initially, the firm began by providing investment advisory services rooted in an asset liability management (ALM) framework in 1995. Ongoing investments in the business, which will continue as ALM First welcomes its next chapter, originating from the evolving needs of its clients, have led to the development of an expanding array of solutions. Today, ALM First Group and its five subsidiaries offer a comprehensive range of services including balance sheet strategy, financial tools, secondary loan market solutions, M&A advisory, enterprise risk management, executive benefits, executive recruitment, and more. "As we look toward the future, there is a shared sense of energy and excitement surrounding our team’s development of innovative solutions that support our clients’ evolving challenges," says Hollis. “Our mission to equip institutions with financial expertise and insights that drive enduring success pushes us to continually enhance our capabilities.” For three decades, ALM First has been an industry leader, supporting strategic initiatives and positively impacting the industry and its clients. The firm has successfully created trusted partnerships while building a proven track record. Through thoughtful balance sheet strategies, advanced analytical systems and superior financial consulting, ALM First has earned a strong reputation with the management teams of credit unions, banks and corporations, along with ALCOs, Boards of Directors, industry auditors and regulators. Learn more at www.almfirst.com. Personetics, the company transforming how banks build and monetize customer relationships, announced a series of new features for its AI-powered flagship product, Personetics Engage. These enhancements enable financial institutions to create personalized digital experiences that empower customers to become smarter about their money and more motivated to take action. They also reflect Personetics' deep understanding of how banks can better serve their customers by dynamically responding to their evolving financial needs.
The release introduces capabilities that expand banks' ability to create, control, and customize digital banking experiences that redefine how banks interact with their customers. Key features include:
The Personetics approach enables financial institutions to independently create and modify insights through an intuitive management console—a feature that competitive solutions often lack without substantial vendor involvement. "Financial institutions today need solutions that go beyond basic personalization and static insights," said Ron Agam, Chief Product Officer at Personetics. "These new capabilities advance our mission of providing banks with a platform that dynamically responds to their customers' changing financial needs, making them smarter about their money and motivated to act." These latest innovations reinforce Personetics' commitment to shaping the future of digital banking—one where financial institutions don't just serve customers but actively empower them. Using AI, Personetics transforms how banks build and monetize customer relationships, turning everyday banking into a more personalized, data-driven experience. By doing so, banks foster deeper engagement, drive meaningful action, and ultimately enhance their customers' financial well-being. DESERT FINANCIAL DONATES RECORD-BREAKING $2.25 MILLION TO PHOENIX CHILDREN’S 1 DARN COOL SCHOOL2/7/2025 ![]() Desert Financial Foundation and Desert Financial Credit Union announced a record-breaking $2.25 million donation to the 1 Darn Cool School at Phoenix Children’s today. The fully accredited K-12 school, staffed by seven full-time master’s level teachers, provides children hospitalized for five days or more with bedside education to ensure they stay on track academically, while facing chronic illnesses or life-changing injuries. In addition to this historic donation Desert Financial provided a special surprise for the program’s teachers: oversized “toolboxes” filled with technology, such as iPads, Kindles, VR headsets and STEAM classroom kits. These resources were selected based on teacher requests to support hospitalized students’ success. The donation presentation and technology reveal took place during a special event at Phoenix Children’s, with students and teachers from 1 Darn Cool School participating in the announcement. “As a credit union founded by teachers, we understand the transformative power of education,” said Desert Financial President and CEO Jeff Meshey. “This donation is about more than just dollars; it’s about ensuring that every child at Phoenix Children’s has the tools they need to learn, thrive and stay connected as they receive care.” The 1 Darn Cool School is fully funded by Desert Financial Foundation, Desert Financial Credit Union, its members and its employees. The program provides educational sessions in person, virtually and at various Phoenix Children’s locations, ensuring flexibility and accessibility for all patients. As Phoenix Children’s expands its reach across the Valley, most recently with the opening of the Phoenix Children’s Hospital – Arrowhead Campus in Glendale, Desert Financial continues to champion the school’s growth and development, ensuring that every patient in need of educational support has access to it—all while receiving world-class healthcare. Last year, 1 Darn Cool School supported more than 2,100 students, providing a sense of normalcy and continuity amid medical challenges. Among those students is Valery, a 15-year-old who has been fighting a complex medical battle since she was just 9 years old. Diagnosed with leukemia and Degenerative Valvular Heart Disease (DVHD), Valery has spent years navigating treatments at Phoenix Children’s, including care at the Center for Cancer and Blood Disorders. Through it all, Valery has stayed connected to her education thanks to the support of 1 Darn Cool School. The program’s teachers helped her continue her studies, even during the most challenging moments of her health journey. Now in remission, Valery continues to spread her love of music and art while inspiring others with her positivity. The impact of 1 Darn Cool School extends across generations. Brian Bogert, who was just 7 years old in 1992, had his life forever changed after a devastating accident in a parking lot. A runaway truck left him with life-threatening injuries, including the loss of his left arm. At Phoenix Children’s, Bogert underwent a 10-hour surgery to reattach his arm and more than 20 reconstructive procedures to restore its function in the years that followed. The 1 Darn Cool School was critical to helping Bogert remain on track at school throughout all the procedures and subsequent hospital stays that were necessary to save his arm. He’s now a human behavior coach and entrepreneur with two kids of his own, both of whom are patients at Phoenix Children’s. “Education is a beacon of hope for children and families navigating a health crisis,” said Tim Harrison, vice president of corporate sponsorship at Phoenix Children’s. “This incredible gift from Desert Financial empowers our teachers to provide exceptional education and helps children envision a bright future beyond their hospital stay.” In 2024, Desert Financial committed to raising $5 million for 1 Darn Cool School in five years, by 2029. This singular donation brings Desert Financial nearly halfway to its $5 million goal after only one year. Ongoing support for 1 Darn Cool School from Desert Financial now totals more than $13.2 million over the past 28 years. This remarkable partnership reflects the credit union’s deep commitment to education and its mission to share success with the Arizona community. |
Author: Mike LawsonMarried to a most gorgeous and wonderful wife, raising 5 kiddos (including twins!), enjoy helping others tell their stories, and love surfing SoCal waves. Keep it simple. Archives
February 2025
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