Amy Berger, Patrick Chapin, Adrianne Glass, Jeffrey Hamlin, Sean Kim, Lisa Moore, Donna Rinck, Kimberly Shoaf
CONTRIBUTING
AI, Bay County Chamber of Commerce, Mexico Beach Community Development Council, Petty Officer 3rd Class Kyle Merritt BayBiz is published quarterly by the Bay County Chamber of Commerce. POSTMASTER send address changes to: Bay County Chamber, PO BOX 1850, Panama City, FL 32402 or email information@baychamberfl.com. BayBiz welcomes story ideas from its readers. To have your story considered, please email communications@baychamberfl.com. To request additional copies, call 850-785-5206
Sean Kim, Philomena Martrain, Lisa Moore, Victoria Pyle, Katherine Santana, Jennifer Wright
CEO/President’s MESSAGE
A Community Like No Other
When I first arrived in Bay County, I knew it was special. You can feel it the moment you walk down the street or step into a local business — there is a sense of connection, pride, and resilience that runs deep. This is a community that looks after its own, that rolls up its sleeves when challenges come, and that celebrates each other’s successes as if they were their own.
During my time with the Bay County Chamber of Commerce, I’ve had the privilege of seeing that spirit on display again and again. I’ve watched small business owners pour their hearts into new ventures, entrepreneurs take bold risks to bring new ideas to life, and established companies reinvest in the people and place that helped them grow. I’ve seen citizens and leaders come together to push for infrastructure improvements, workforce initiatives, and projects that will shape our future. And perhaps most importantly, I’ve witnessed how this community shows up for one another — in good times and in difficult ones.
What I will carry with me are not just the professional milestones, but the meaningful interactions along the way: the strategic conversations that led to stronger partnerships, the collaborative problem-solving during challenging projects, and the support shared among colleagues and community leaders. Working closely with the local military community has been particularly impactful, highlighting the vital role our service members and their families play in Bay County’s economic and civic life. These experiences have
reinforced that the true strength of this community lies in its people and the connections we build together.
As seasons of life change, so do the opportunities placed before us. Sometimes things come into your life that cannot be denied. For me, that calling is to serve as the leader of Camp Boggy Creek.
Founded by Paul Newman and General Norman Schwarzkopf, Camp Boggy Creek is a place where children with serious medical conditions — and their families — can leave behind hospitals, treatments, and the weight of illness to experience the pure joy of camp. Whether it’s horseback riding, fishing, or simply laughing around a campfire, Boggy Creek provides healing and hope in a way that medicine alone cannot. Most importantly, it does so at no cost to families, because every child deserves the chance to simply be a kid.
While this next chapter takes me in a new direction, my gratitude to Bay County is immeasurable. I leave with admiration for this community’s determination, its generosity, and its vision for what lies ahead. There is so much opportunity here, and I believe Bay County will continue to thrive because of the people who invest their time, their talent, and their love into making it stronger every day.
So, thank you, Bay County — for welcoming me, for trusting me, and for reminding me what it means to belong to a community. Though my path is shifting, a part of me will always remain here, cheering on the bright future I know you will continue to build together.
Patrick W. Chapin Former CEO/President
A Historic Win for Bay County Businesses: Florida Repeals the Business Rent Tax
by: Sean Kim, Vice President of Strategic Partnerships, Bay County Chamber of Commerce
After nearly a decade of dedicated advocacy, the Bay County business community is celebrating a defining victory with the repeal of Florida’s Business Rent Tax. On June 30, 2025, Governor Ron DeSantis signed House Bill 7031 into law, permanently eliminating the state’s sales tax on commercial leases effective October 1, 2025.
This long-overdue reform removes one of the most burdensome and outdated taxes affecting Florida businesses—especially those in regions like Bay County, where a large portion of the local economy depends on leased office, retail, and industrial space.
Decades of Burden, Years of Advocacy
Florida was the only state in the nation to levy a statewide sales tax on commercial rent, first enacted in 1968. Over the years, it became a structural barrier to reinvestment, disproportionately impacting small businesses and startups that lease space instead of owning their property.
Recognizing this burden, the Bay County Chamber of Commerce began advocating for repeal in 2016, making it a core policy priority year after year. Between 2016 and 2024, the Chamber consistently included the repeal of the Business Rent Tax in its annual Legislative Agenda. During this time, Chamber staff and members met directly with lawmakers in Tallahassee, participated in committee hearings, and worked in
partnership with other chambers and business coalitions across the state to educate elected officials about the tax’s negative impact.
These efforts helped achieve a series of incremental rate reductions—first from 6% to 5.8% in 2018, then gradually down to 4.5% by 2023. In June 2024, the tax was reduced further to 2% when the state’s Unemployment Compensation Trust Fund reached its pre-pandemic balance, as required by legislation passed in 2021.
But despite those steps, full repeal remained elusive— until this year.
What HB 7031 Delivers
The passage of HB 7031 represents the culmination of nearly a decade of persistent effort. Beginning October 1, 2025, businesses leasing commercial property in Florida will no longer pay state or local-option sales tax on rent payments. This includes office space, retail storefronts, warehouses, and industrial sites—sectors that are foundational to Bay County’s local economy.
For a typical business paying $5,000 in monthly rent, the repeal will save approximately $1,800 annually. These dollars can now be redirected toward hiring, training, marketing, or facility upgrades—investments that directly support business growth and job creation in Bay County.
The repeal also improves Florida’s overall business competitiveness. Removing this unique tax eliminates a long-standing disadvantage when competing with neighboring states for business expansion or relocation. For Bay County, that’s especially valuable as we continue to attract new firms in logistics, healthcare, hospitality, and light industry.
A Legislative Milestone With Local Impact
The repeal was part of a broader $1.3 billion tax relief package signed into law by the Governor, which includes permanent exemptions for disaster preparedness supplies, school supplies, safety gear, and state park admissions. However, for employers, the end of the Business Rent Tax stands out as a structural change with long-term economic implications.
HB 7031 passed with overwhelming bipartisan support—93–7 in the Florida House and 32–2 in the Senate—demonstrating strong consensus across political lines that the tax had outlived its usefulness.
The Bay County Chamber of Commerce played a pivotal role in this outcome by maintaining consistent advocacy over nine consecutive legislative sessions. The Chamber’s annual Tallahassee advocacy trip served as a key forum for local business leaders to meet directly with state lawmakers and share firsthand stories of how the tax impacted their ability to grow and reinvest.
By remaining focused and data-driven, the Chamber helped keep the repeal on the agenda even as other issues took priority in various sessions. This sustained approach ultimately ensured that Bay County’s voice helped shape the outcome of a reform that will benefit businesses across the entire state.
What Bay County Businesses Should Do Now
Although the repeal does not take effect until October 1, 2025, businesses can begin preparing now:
• Review lease agreements to calculate expected savings
• Meet with your CPA or financial advisor to revise budget projections for Q4 2025 and FY 2026.
• Consider reinvestment opportunities, including workforce development, infrastructure upgrades, or new service lines.
Importantly, the repeal will simplify accounting and compliance as businesses will no longer need to calculate or remit sales tax on lease payments after the effective date.
Looking Ahead: A Stronger Business Climate
This victory is more than a tax change—it’s a testament to the power of persistent, community-driven advocacy. It shows what’s possible when local business leaders come together with a unified voice, guided by clear data and a long-term vision for regional prosperity.
The Bay County Chamber of Commerce is proud to have helped lead the charge for this reform from 2016 to 2025. Our members’ time, effort, and dedication made the difference—and today, the entire Bay County business community benefits.
As we look to the future, this repeal will serve as a catalyst for reinvestment, innovation, and expansion across our region. It is also a powerful reminder that smart policy, informed by the real needs of local businesses, can deliver lasting results.
The Chamber remains committed to advocating for policies that reduce barriers, encourage growth, and ensure Bay County remains a place where business thrives—for this generation and the next.
DEFENSE INTEL
Securing the Future: Navy Finalizes Acquisition of Barefoot Palms for NSA Panama City
by: Jeffrey Hamlin, Naval Facilities Engineering Systems Command Southest
In a historic step for Bay County’s defense posture, the U.S. Navy officially acquired 8.4 acres of critical land—formerly known as Barefoot Palms—adjacent to Naval Support Activity (NSA) Panama City on May 8, 2025. The strategic acquisition was completed at zero cost to the federal government, thanks to a years-long collaboration among federal, state, and local entities.
This land transfer represents more than a real estate transaction; it’s a national security investment that directly supports the Navy’s expanding mission at NSA Panama City and strengthens Bay County’s role as a cornerstone of America’s maritime and coastal defense capabilities.
A Milestone 15 Years in the Making
The story of Barefoot Palms dates back to the early 2000s. Once the site of a golf driving range and later a troubled townhome development, the property fell into foreclosure after the 2004 housing downturn. In 2010, Bay County purchased the 8.4-acre tract along Thomas Drive, demolished unsafe structures, and maintained it under a state lease for over a decade.
What followed was a sustained intergovernmental effort to secure and preserve the land for military use. After a series of approvals—from Bay County officials to the Florida Cabinet and NAVFAC Southeast—the land officially transferred to the Navy this past May. The signing ceremony featured leaders from NSA Panama City, NAVFAC Southeast, the Bay Defense Alliance, FloridaCommerce, and the Florida Division of State Lands.
Michael Brooks, Director of Real Estate for NAVFAC Southeast, stated: “This acquisition is vital for protecting the installation’s critical missions and addressing significant infrastructure constraints.”
The Strategic Importance of the Barefoot Palms Parcel
NSA Panama City hosts several essential Navy and Coast Guard tenants, including:
• Naval Surface Warfare Center – Panama City Division (NSWC PCD)
• Navy Experimental Diving Unit (NEDU)
• Diving & Salvage Training Center (DSTC)
• U.S. Coast Guard Station Panama City
These units collectively support undersea warfare, mine countermeasures, special warfare diving, and unmanned systems development.
With the Navy’s acquisition of Barefoot Palms, the property now serves as an Antiterrorism/Force Protection (ATFP) buffer, helping to:
• Establish a secure stand-off distance from civilian infrastructure
• Protect critical research, development, and training missions
• Ensure base operations remain uninterrupted by future encroachment
Cmdr. Michael Mosi, Commanding Officer of NSA Panama City, noted: “We now have the opportunity to execute a development plan that will reshape the landscape to meet the evolving needs of this installation and the Navy.”
A Tri-Level Collaboration: Federal, State, and Local Partners
The Barefoot Palms transfer exemplifies best-in-class interagency cooperation. Key contributions included:
• Bay County purchased and maintained the land since 2010, securing and preparing it for future military use.
• The State of Florida, through the Military Base Protection Program, funded the acquisition in 2017 and approved the donation in March 2022 under Governor Ron DeSantis.
• NAVFAC Southeast led long-term acquisition strategy and real estate navigation.
• The Bay Defense Alliance and Bay County Chamber’s Military Affairs Committee provided critical advocacy and engagement.
This joint effort resulted in a cost-effective solution with high strategic payoff—transforming a blighted property into a security buffer at no cost to the Department of Defense.
Community Benefits and Regional Economic Impact
Bay County’s support for the acquisition has both immediate and long-term implications:
• Enhanced Base Security: Reduces risk to high-value missions while supporting ATFP compliance.
• Stable Land Use: Prevents incompatible commercial or residential development near sensitive military operations.
• Economic Resilience: NSA Panama City generates ~$400 million in annual economic impact and supports ~2,800 military and civilian personnel.
• Future Infrastructure: Clears the path for potential Navy investments in housing, training ranges, and mission support facilities.
What Comes Next: Area Development Planning Underway
Now under Navy control, the 8.4-acre property enters its next phase: planning and development. NSA Panama City and NAVFAC are collaborating with stakeholders across multiple commands and planning bodies to develop an Area Development Plan (ADP) for the site. Planned uses may include:
• Security infrastructure
• Environmental preservation
• Support facilities for emerging mission areas (e.g., unmanned systems, diver training)
Cmdr. Mosi shared his enthusiasm at the acquisition event: “We had great ideas of what we were gonna use it for, and great things are coming for our Navy family here.”
Strategic Implications for Regional Defense
The Barefoot Palms acquisition bolsters Bay County’s position within Florida’s broader defense ecosystem. Alongside Tyndall Air Force Base and the U.S. Coast Guard, NSA Panama City plays a key role in multi-domain operations. This buffer:
• Enhances base resilience to modern security threats
• Improves capacity for amphibious and littoral mission training
• Supports inter-service cooperation across the Panhandle defense corridor
A Legacy of Partnership
The Navy’s May 2025 acquisition is the latest chapter in a two-decade story of public-private partnership, mission focus, and community stewardship. Bay County continues to prove that when local, state, and federal stakeholders work together, national defense—and local prosperity—both advance. What once was abandoned land will soon form part of NSA Panama City’s cutting-edge mission space. And as the base grows, Bay County grows with it.
HEALTH
The Art of Self-Care: A Practice of Self-Love
by: Amy Berger, Founder, Collective Soul
“Self-care is never a selfish act. It is simply good stewardship of the only gift I have—the gift I was put on this earth to offer others.” – Parker Palmer
These words remind us of a truth we too often forget: the practice of caring for ourselves is not indulgence, not vanity, not something we should feel guilty about. It is, in fact, the foundation of living a meaningful life. Without caring for our bodies, minds, and spirits, we cannot fully show up for others. Self-care is not a luxury—it is a necessity. And at its core, self-care is simply another way of saying self-love.
Too often, we confuse self-care with consumerism. The phrase may call to mind images of spa treatments, expensive retreats, or elaborate rituals requiring money, time, and effort. While those things can certainly be nourishing, they are not the essence of self-care. At its heart, self-care is about valuing yourself enough to listen to what your body, mind, and spirit need—and then honoring that need.
That act of listening and honoring is an expression of love toward yourself. Just as we nurture the people we care about with time, attention, and presence, we are called to do the same for ourselves. When we rest instead of pushing through exhaustion, when we step outside for fresh air instead of scrolling endlessly on our phones, when we choose a nourishing meal over quick convenience—we are saying, “I love you” to ourselves.
Self-love is not about arrogance or selfishness. It is about acknowledging your worth and respecting your own needs. From that grounded place of care, you become more capable of extending genuine love and support to others.
Self-care does not exist in isolation. It is deeply connected to how we engage with the world around us. Taking time to nurture relationships—with family, friends, or a supportive community—is an act of self-care.
That’s one of the guiding principles of Collective Soul, our yoga, massage, and wellness studio in downtown Panama City. Our mission is simple yet powerful: to create a space for women to reconnect, restore and risethrough movement, touch and intentional self-care.
Whether you are stepping onto the mat for yoga, joining a fitness class to build strength, or carving out time for a massage or facial, you are not just “doing an activity”— you are practicing self-care in a way that reconnects you to yourself and to community.
Connection to nature is equally powerful. Walking barefoot on the grass, listening to the waves crash on the shore, or watching the sun rise can remind us that we are part of something greater. These experiences cost nothing but our time and attention, yet they restore us in ways money cannot buy.
It is easy to fall into the mindset that self-care means a costly financial investment, the truth is, self-care most often requires the one resource we guard most tightly: time.
Time can feel more precious than money, and it often is. But investing time in ourselves pays dividends that no bank account can match. At Collective Soul, our classes and services are designed to help women use that time intentionally.
When we tell ourselves we “don’t have time” for selfcare, what we are really saying is that we don’t consider ourselves worth the investment. But the truth is, time spent caring for yourself multiplies your ability to show up in all areas of life—with more patience, more clarity, more joy.
The metaphor of “putting on your own oxygen mask first” is often used, and for good reason. If you are depleted, running on fumes, or ignoring your own needs, your ability to help others diminishes. You cannot pour from an empty cup.
Think about the roles you play—whether as a parent, partner, friend, co-worker, or community member. Every one of those roles requires your presence, energy, and compassion. If you neglect your own well-being, you will eventually run dry.
That’s why our vision at Collective Soul goes beyond yoga or fitness. It’s about creating a sanctuary of intentional living, where we can gather to share, support and inspire one another, which in turn fosters a collective self-care journey towards balance, wholeness and empowerment.
So what does self-care look like in daily life? The answer will vary for everyone, but here are a few accessible practices to consider:
• Start with small rituals. A quiet cup of tea in the morning, a few minutes of stretching before bed, or writing down three things you’re grateful for.
• Prioritize movement. Whether it’s yoga, walking, dancing, or joining us for a class at Collective Soul, moving your body is an act of care.
• Nourish with intention. Choose foods that make you feel energized rather than depleted.
• Create digital boundaries. Step away from screens to reconnect with the present moment, your loved ones, and yourself.
• Rest unapologetically. Sleep is one of the most vital forms of self-care. Allow yourself to rest without guilt.
• Seek joy. Do something you love just for the sake of it—read, garden, sing, paint, or join one of our SelfCare Sunday Workshops to learn new practices that bring joy and balance.
Remember, self-care doesn’t have to be grand or time-consuming. Consistency matters more than extravagance.
Self-care is not selfish—it is stewardship. It is the recognition that you are a gift, and that your presence, energy, and love are worth protecting. By practicing self-care, you are practicing self-love, and in doing so, you expand your ability to love and serve others.
Building a Stronger Future Through Education: Junior Leadership Bay Prepares Students for What Comes Next
by:
Lisa Moore, Vice President of the Bay County Chamber Foundation, Bay County Chamber of Commerce
Junior Leadership Bay (JLB), a program of the Bay County Chamber of Commerce Foundation, continues its mission of shaping tomorrow’s leaders through an immersive and impactful eight-month leadership development program for high school juniors. Designed to educate, empower, and inspire, JLB gives students hands-on access to a wide range of career paths, industries, and leadership experiences available throughout Bay County.
Each year, students are selected through a competitive application process to represent their schools. These juniors participate in monthly sessions where they gain firsthand exposure to Bay County’s core industries, meet with community leaders, and participate in team-building activi-
ties. The program not only introduces students to potential career opportunities but also encourages civic engagement, builds leadership skills, and fosters meaningful relationships with peers and professionals alike.
Students visit key sectors of the community –such as healthcare, tourism, law enforcement, business, government, and military operations – through in-depth, behind-the-scenes tours and interactive activities. From sitting down with a local attorney and judge to discuss the court system, to exploring our nearby waters to learn about ecology, to applying for an internship at NSA Panama City, or meeting with financial experts to learn about budgeting – JLB participants gain hands-on experiences that broaden their
understanding of the many industries and opportunities that make our community thrive.
Well-Rounded Curriculum with Fresh Perspectives
This year’s class will experience an updated curriculum that still includes JLB’s cornerstone sessions like:
• Healthcare
• Industry, Business & Finance
• Tourism & Ecology
• Government, Law Enforcement & Legal
• Non-Profits
• Leadership Skill Building
• Naval Support Activity/DoD/Engineering
• Tyndall Air Force Base
In addition, two exciting new sessions have been added to enhance the overall learning experience: Education and State Government.
The Education Session will focus on preparing students for their next chapter by connecting them with local colleges, scholarship experts, and professionals across various fields. Breakout sessions will give students an opportunity to explore areas of interest, while presentations on FAFSA and financial aid help equip them with practical tools for college planning.
The State Government Session will include a visit to Florida’s Capitol in Tallahassee, where students will meet elected officials and get a firsthand look at how policy decisions are made. This session will encourage students to think critically about government, public service, and their role in shaping the future of their community.
More Than a Program — A Launchpad
While each session introduces students to potential careers, Junior Leadership Bay is ultimately about preparing them to be strong, engaged citizens. It challenges them to collaborate with peers from different backgrounds, step out of their comfort zones, and discover leadership within themselves.
Students gain soft skills like communication, time management, and public speaking, while also building confidence in their ability to contribute meaningfully to their schools, neighborhoods, and beyond. Many alumni of the program main-
tain close friendships and even go on to become local leaders, returning to give back to the very community that helped shape them.
By the end of the eight-month journey, students leave the program with more than just knowledge: they leave with direction, purpose, and a deeper connection to Bay County.
Investing in Future Leaders
Junior Leadership Bay is made possible thanks to the strong support of community partners, dedicated volunteers, and generous sponsors who believe in investing in the next generation. Every session, meal, supply, and experience is sponsored by organizations that recognize the value of preparing students not just for the workforce, but for life.
As we prepare for another impactful year, the program continues to grow and adapt to meet the needs of today’s students. Through meaningful exposure, real-world experiences, and community connection, Junior Leadership Bay continues to serve as a powerful foundation for the leaders of tomorrow.
A NEW ERA
MEXICO
BEACH: RESTORED
by: Kimberly
Shoaf & Adrianne Glass, Mexico Beach Community Development Council
It’s in the name. Beach. And without a shoreline, what’s there to boast about? After years in the making, Mexico Beach was able to commence and complete a comprehensive beach restoration project—the first of its kind for the area’s three+ miles coastline. This vital project will provide critical storm protection for infrastructure and habitat for species such as shorebirds and nesting sea turtles as well as provide additional recreational beachfront for residents and visitors.
Prior to Hurricane Michael, Mexico Beach’s shoreline had an extensive dune system which not only provided critical habitat for native species and enhanced the city’s beauty, it also served as protection and beach stabilization against storm surge and erosion. After the devastation to the shoreline, the Mexico Beach Community Development Council (MBCDC) prioritized their strategic plan and focused on re-nourishing the destination’s key point- the beach.
“We began the process of developing a beach restoration plan before Hurricane Michael, however that storm sped up our process” states Kimberly Shoaf, President, Mexico Beach Community Dev. Council. “With the assistance from both State and Federal grants, we were able to financially cover this project. We are very grateful for all the assistance we’ve received during this process,” Shoaf says.
Local and State funding had already been secured for the offshore sand source study, design, and permitting of this project. The result of the initial sand source work indicated an area of ideal sand and further investigation into suitability for placement on the beaches. The MBCDC continued to seek funding assistance to support the full-scale project.
In 2024 the MBCDC secured several grants: two separate grants from the State of Florida Department of Economic Opportunity (DEO) and one from the Florida Department of Environmental Protection (FDEP). The combined totals from all grant entities covered the entire cost of the project.
Shoaf stated, “The start of that dredge and the roar of the shell extractor was something I’ve never heard, nor the pumping of sand, but it was some of the most exciting sounds I’ve heard in a long time.” The restoration project commenced on February 5, 2025. It consisted of a dune-only component on the west end of the beach and then transitioned to a dune and beach berm around 34th Street all the way to the Bay/Gulf County line. The project took a little over two months to complete and extended the shoreline approximately 175 feet from the seaward toe of the dune.
Completion wrapped on April 15, 2025 and resulted in over one-million cubic yards of sand placed along the shoreline, 10,000+ cubic yards of shell extracted and placed in a holding area. The project also consisted of planting five different types of native plants, totaling over 600,000 vegetations planted in and along the dunes. There were also 7,000+ feet of post and rope installed to protect the dunes at public beach access locations. These additional measures with the plants, post, and rope will provide protection to allow the dunes to stabilize and grow.
“We’re grateful to everyone involved. It was an overdue need and the results of these hard efforts can be seen. The beach is amazing,” states Mell Smigielski, City Administrator, City of Mexico Beach, “The due diligence that the Mexico Beach CDC conducted has paid off and the beach looks the best it ever has.”
While the restoration project has concluded, ongoing work to ensure the project’s sustainability continues. Efforts include surveying, monitoring reporting, and sand tilling. The MBCDC will continue to seek State and Federal appropriations to help offset these expenses. “It is important that we continue our efforts and project support”, states Shoaf, “All parties involved have worked so hard to ensure that this restoration project come to fruition, so ongoing work needs to be done”.
With the enhanced shoreline and improved dunes, Shoaf understands that new challenges have arisen, including beach access for those with mobility limitations. “We un-
derstand that the dunes can be challenging to walk over as well as the distance to get to the water’s edge. The MBCDC is working with the City of Mexico Beach to construct ADA walkovers as well as place mobility mats down on the sand to offer aid to beachgoers. We have begun the discussions and the City has tasked their engineers for the walkovers.” Shoaf says. Shoaf anticipates the construction of ADA walkovers to begin in the fall.
The response from both longtime residents and visitors has been overwhelmingly positive, with social media buzzing with praise for the transformed shoreline. “Spectacular!” exclaimed one visitor, while others described the beach as “absolutely beautiful” and “fabulous.” Many longtime Mexico Beach lovers have expressed deep emotional connections to the restoration. Visitors are particularly impressed by the expansive shoreline, with comments like “I love the new wide beaches.”
The restoration has also rekindled memories for many, with one person noting it “reminds me of Mexico Beach when I was little.” The consensus remains clear: Mexico Beach has successfully reclaimed its status as a premier Gulf Coast destination, with many expressing they “can’t wait to visit” and declaring it remains “one of my favorite places”.
A new era for Mexico Beach, the return of an abundant shoreline. Dunes that resemble old Mexico Beach and protection for upland properties. “There is something to be said about walking on the beach. It’s peaceful, relaxing and you feel like you’re home. Our little city has overcome so much and it is so nice to see that with the changes, that the heart of Mexico Beach is still here.” states Smigielski. It’s all in the name. Mexico Beach!
Support for the Mexico Beach- Beach Restoration Project was made possible by the Mexico Beach Community Development Council, Bay County Tourist Development Council, Bay County, the City of Mexico Beach, MRD Associates, Coastal Protection Engineering, Sustainable Beaches, Dewberry, Weeks Marine, Mrs. Barbara Eells, the State of Florida Department of Economic Opportunity and the State of Florida Department of Environmental Protection.
The Small Business Guide to AI: Navigating Risks and Rewards
by: Donna Rinck, Esq., Rinck Law Office, PLLC
Why Small Businesses Need to Understand AI Language Models
The landscape of Large Language Models (LLMs) has evolved significantly since ChatGPT’s launch in late 2022. For small business owners, AI language models represent both tremendous opportunity and significant risk. These powerful tools can automate customer service, create marketing content, and handle routine communications—but they also pose serious privacy and security challenges that many business owners don’t fully understand.
The key is knowing how to harness their power while protecting your business and customers from potential data breaches and privacy violations.
Real-World Applications That Transform Small Businesses
Customer Service Revolution
A local accounting firm uses ChatGPT Teams to handle initial client inquiries, automatically categorizing questions about tax deadlines, document requirements, and appointment scheduling. This freed up 15 hours per week for their staff to focus on complex
client work while maintaining 24/7 responsiveness.
Confidential Document Analysis
Claude 3.7 Sonnet is known for being really good at coding and giving factual information. A small law practice uses Claude’s document analysis capabilities to review contracts and legal briefs, but only after implementing strict data controls to ensure client confidentiality isn’t compromised.
Employee Training and HR Support
A manufacturing company with 25 employees deployed an AI assistant to help with HR questions, safety protocol explanations, and onboarding new hires. The system maintains conversation history while ensuring sensitive employee information never leaves their secure environment.
The Hidden Privacy Dangers Most Small Businesses Miss
Memory Retention Nightmares
Many business owners don’t realize that AI systems can retain information across conversations. Key considerations include: Does the provider store your
prompts/responses? Are they used for training? A marketing agency discovered their AI tool had been storing client campaign strategies and sharing insights across different client conversations—a massive confidentiality breach.
Training Data Exposure Risks
When you use free AI tools for business purposes, your sensitive information may become part of the AI’s training data. This means your customer lists, pricing strategies, or proprietary processes could potentially be accessed by competitors using the same AI system.
Unintended Data Sharing Scenarios
A small medical practice used a popular AI chatbot to draft patient communication templates, inadvertently including specific patient details in their prompts. Without proper privacy controls, this information could have been stored and potentially accessed by unauthorized parties.
Understanding Different AI Model Types
Standard vs. Thinking Models
• Standard models wait for explicit instructions. They don’t infer or guess and are ideal for routine tasks like writing emails or product descriptions.
• Thinking models infer intent, plan ahead, and make decisions without step-by-step guidance (e.g., claude-4-opus, gemini-2.5-pro, o3). These work better for strategic planning and complex problem-solving.
Privacy-Focused Options for Small Business
• ChatGPT Teams ($25/user/month): Business-grade privacy controls ensure conversations aren’t used for training.
• Claude Pro & Teams: Include data isolation features that keep conversations separate from other users.
• Google Gemini Business: Integrates with Workspace with enterprise-grade data controls.
Critical Privacy Controls Every Small Business Must Implement
• Data Training Opt-Outs – Always choose business plans that explicitly opt out of using your data for AI training.
• Memory and Context Management – Understand how conversation history is stored. Use business-grade tools that keep data within your control.
• Compliance Requirements – Look for SOC 2 Type II, GDPR, and HIPAA compliance. Major providers (OpenAI, Anthropic, AWS, Google) meet these standards.
Choosing the Right Model for Your Business Needs
• For Daily Operations – Use claude-4-sonnet or gemini-2.5-pro for routine tasks; claude-4-opus or gemini-2.5-pro for planning/problem-solving.
• For Complex Analysis – OpenAI o3 excels at reasoning and ambiguous problems but is slower and best for occasional use.
• Cost-Effective Solutions – DeepSeek V3 ($0.27 input / $1.10 output per 1M tokens) and Llama 3.3 (open deployment, cost-efficient) are excellent for high-volume, routine work.
Essential Monitoring and Risk Management
• Track Usage and Costs – Monitor response times, error rates, and user feedback to prevent surprise cost spikes.
• Implement Access Controls – Not every employee needs full access. Assign usage rights carefully.
• Regular Privacy Audits – Review quarterly what data is shared, stored, and how privacy safeguards are working.
The Bottom Line: Protecting Your Business While Embracing Innovation
The LLM landscape is evolving rapidly. Small businesses that implement AI thoughtfully—with privacy controls and clear policies—gain a competitive edge. Those that rush in risk data breaches, compliance violations, and loss of customer trust.
Success requires balancing innovation with protection: choose business-grade tools, implement strong data policies, train employees on safe use, and review systems regularly.
Ready to Navigate AI’s Legal Landscape with Confidence?
Rinck Law Office, PLLC provides legal guidance for small businesses adopting AI. Services include:
• AI privacy audits
• Contract review and vendor assessments
• Compliance framework assistance (ISO 27001, ISO 42001, GDPR, NIST AI RMF)
• AI team training and tailored NDAs
Email: lawhelp@rincklawoffice.com
Phone: (850) 775-7884
Website: www.RinckLawOffice.com
ArticlepartiallywrittenwithAI Sources
– Helicone. The Complete LLM Model Comparison Guide. Accessed August 15, 2025. www.helicone.ai/blog/the-complete-llm-model-comparison-guide
– Cursor. Selecting Models. Accessed August 15, 2025. docs.cursor.com/ en/guides/selecting-models
ECONOMIC PROFILE
current labor statistics for bay county
196,112 Median Age: 42.3 Labor Force: 101,940 Average Wage: $51,535 Households: $78,579 Household Income: $75,418 Per Capita Income: $41,179
April - June 2025
how bay county compares nationally...
estimates, July 1, 2023
percent change - April 1, 2020 (estimates base) to July 1, 2023
CHARACTERISTICS
Persons under 18 years, percent
civilian labor force, total, percent of population age 16 years+, 2019-2023
civilian labor force, female, percent of population age 16 years+, 2019-2023
EDUCATION
High school graduate or higher, pecent of persons age 25 years+, 2019-2023
Bachelor’s degree or higher, percent of persons age 25
annual payroll, 2022 ($1,000)
bay county bed tax collections
northwest florida beaches international
airport passenger traffic
AIRCRAFT OPERATIONS (YEAR-TO-DATE)
thebizlist
Landrum Enhances its NWFL Impact with the Addition of Amy Yates
Landrum announced the recent appointment of Amy Yates as a Business Consultant in Panama City as part of its continuing growth and strategic investment in Northwest Florida.
Yates, a native of the Panama City area, joins Landrum with a background in the legal industry, working with physicians, health care service providers, and municipalities to protect their operations.
Andrew Tarwater, Territory Sales Manager at Landrum stated, “Amy brings a passion for helping businesses succeed. She has deep-rooted relationships within the local business community and has earned the trust they place in her.”
Yates will work with companies in a variety of industries to improve their HR strategy and operations, helping them achieve growth and long-term success.
As Business Consultant, Yates is responsible for delivering Landrum’s suite of solutions to businesses in Bay County and the surrounding area, and helping them develop stronger, more efficient HR operations.
Yates stated, “I’m thrilled to bring Landrum’s services to the community I call home and am very commit-
spotlighting successes & shaping tomorrow
ted to the partnerships I’ve formed, helping business owners focus on what they do best while outsourcing the complexities of human resources.”
Landrum is continuing its expansion plans throughout the Southeast in 2025 and will make more scheduled announcements through the end of the year.
Panama City Beach is Named #2 Best Labor Day Fishing Destination for 2025 Labor Day weekend marks the unofficial end of summer, and for many Americans, there’s no better way to celebrate than with a fishing trip. Whether it’s a saltwater adventure or a relaxing day on the lake, it’s the perfect time to cast a line, soak up the sun, and enjoy the warm-weather getaway.
FishingBooker, the world’s largest platform for booking fishing trips, has released its 10 Best Labor Day Fishing Destinations in the US for 2025. Now in its sixth consecutive year, the list highlights spots that blend great fishing with long-weekend vibes, from coastal escapes to inland gems. And Panama City Beach made the list!
Here is the full list of the 10 Best Labor Day Fishing Destinations in the US for 2025:
• Montauk, NY
• Panama City Beach, FL
• Ketchikan, AK
• Orlando, FL
• Lake Texoma, TX
• Lake Tahoe, CA
• Lake of the Woods, MN
• Coeur d’Alene, ID
• Lake Lanier, GA
• Mosquito Creek Lake, OH
Bay County CERT Wins Statewide Award
The Bay County Community Emergency Response Team (CERT) was recently recognized as the “CERT Team of the Year” by the Florida CERT Association. The award was presented in Cape Coral, FL on Aug. 16, honoring Bay County CERT’s outstanding service, commitment, and volunteer impact.
Relaunched in Spring 2024, Bay County CERT has grown to 33 active members who undergo monthly training and participate in regular meetings to stay prepared for emergencies. Members play a vital role in assisting first responders and serving the public during times of need.
CERT volunteers have supported Bay County by helping at hurricane preparedness events, staffing warming and cooling shelters, distributing supplies at points of distribution, role-playing in emergency exercises, supporting the county’s Memorial Day ceremony, and assisting the Bay County Sheriff’s Office during its Christmas projects.
“We are incredibly honored that Bay County CERT was named the Florida CERT Association’s Team of the Year,” said Jennifer Wilburn, Bay County CERT manager and Emergency Services specialist. “This award reflects the dedication of our volunteers who give their time and energy to support our community during emergencies and special events. From hurricane preparedness to community cleanups, our members step up wherever they are needed, and this recognition belongs to every one of them.”
Bay County CERT continues to welcome new volunteers. Free, one-week basic training courses
prepare participants in disaster preparedness, first aid, light search and rescue, and CERT organization. Once certified, members have opportunities to support the community at events and during emergencies.
Gulf Coast State College Awarded Five-Year Renewal of TRIO Student Support Services Grant Project
Gulf Coast State College (GCSC) is proud to announce that its TRIO Student Support Services (SSS) grant project was awarded renewed federal funding for the next five years. The U.S. Department of Education’s continuing support ensures that GCSC’s SSS programming—which has served thousands of participants over the last 40 years—will remain a vital resource on campus.
SSS is tasked with increasing the academic, retention, graduation, and four-year-institution-transfer rates of first-generation, income-qualified, or disabled GCSC students. The project provides intensive academic advising, tutoring, economic literacy, university transfer, career exploration, and financial aid application services free-of-charge to eligible participants.
“SSS is more than just a project—it’s a lifeline for students who may not otherwise have the resources or support needed to succeed in college,” said Kendra Kizziah, Associate Director of TRIO Student Support Services. “This funding ensures we
can continue expanding opportunities, fostering success, and guiding our students along their educational pathways.”
FSU InSPIRE Aims to Activate Advanced Manufacturing Workforce with Unique Teacher Training Approach
Northwest Florida teachers and students are being encouraged to engage in a cultural shift in perception: the advanced manufacturing careers of today are a far cry from yesterdays. Florida State University’s InSPIRE (Institute for Strategic Partnerships, Innovation, Research & Education) is doing its part to reshape the region’s understanding of the safety, security, and profitability now available to local residents in the advanced manufacturing space.
To help drive this cultural shift, FSU InSPIRE offers free continuous learning opportunities for educators with an industry informed curriculum and expert, real-world speakers. Weeklong courses culminate in industry certifications with the aim of stimulating student interest in engineering and bolstering a highly skilled local workforce. Curriculum from FSU’s Learning Systems Institute is tailored for the growing aerospace and advanced manufacturing sectors in the region. The initiative is funded by Triumph Gulf Coast and FSU.
“Education is a huge part of our vision for this area of Florida,” said FSU InSPIRE Executive Director, Drew Allen. “When we envision a thriving hub of innovation, we know that a strong and talented workforce is absolutely essential. One of our goals is to attract industry here, and we know that an available and skilled pool of talent is one of their
main requirements. Not only are we committed to building that workforce, we are making sure that the businesses we attract are supplying high-paying career opportunities from technicians to engineers and beyond.”
According to the 2023 Florida Manufacturing report by Florida Commerce in collaboration with FloridaMakes, as manufacturing jobs continue to be reshored in the United States from global markets, Florida is poised to become one of the top five manufacturing states by 2030. Plus, based on data published by Florida Commerce’s Bureau of Workforce Statistics and Economic Research, manufacturing jobs pay higher wages than those in other industries. The 2022 average annual wage for workers in the manufacturing industry cluster ($74,647) exceeded the average annual wage for all industries ($63,811) by $10,835, nearly 20% higher.
“This is very exciting for students, teachers and families living in Northwest Florida,” said Co-Director of STEM Outreach for FSU InSPIRE Carrie Meyers. “Students of today can benefit from highly trained teachers who can help steer them onto strategic career pathways, but educators can do this only when they know what required skills and talents need to be encouraged and practiced in their classrooms. These pathways are informed by advanced manufacturing and aerospace developments in the region, but also by expanding industries and entrepreneurial opportunities. We anticipate that these efforts will have a generational impact in the area, providing lifelong career opportunities that just weren’t here before.”
The educational outreach program is a significant component of InSPIRE. As part of a 10+ year commitment to Northwest Florida, InSPIRE is launching accumulative workforce training and education programs with a focus on advanced aerospace and manufacturing sectors, ensuring a lasting impact on the region’s economic and educational landscape.
NEW MEMBERS from June to September 2025
1st Franklin Financial
631 N. Hwy. 231 (850) 522-5930
850 Construction Services, LLC 13536 Hwy 77 (850) 441-3172
AMI 100 LLC
3715 Airport Drive
Architectural Sheet Metal (407) 855-7183
Balance Yoga & Lifestyle
20 E. 4th St. (850) 276-1075
Cahall’s Deli Lynn Haven 1509 Tennessee Ave. (850) 248-5300
Coach JT (850) 276-5343
Coastal Waste & Recycling 1151 E. 15th St. (850) 769-4304
Collective Soul 1108 Harrison Ave. (850) 215-7685
Diaconia
702 Russell Ave. Suite 305 (850) 625-9158
Edward Jones
2166 W. Highway C30A, Suite C (850) 818-1062
G6 Development Co. 850-348-8513
Ginn Financial Consulting LLC
850-624-1077
Holloway Roofing Unlimited, Inc.
726 A Ohio Ave. (850) 678-7663
Hummingbird Ideas (251) 454-5071
Lynn Haven Garden Club P.O. Box 846
Manifest Prosthetics & Orthotics
2609 W. 23rd St. (850) 299-9911
Meticulous Services, LLC
DBA Meticulous Construction
653 W. 23rd St. Suite 288 (850) 866 7517
Michael Higdon Architecture (850) 630-5086
New Look Parking Lot Maintenance 15138 Highway 77 (850) 814-7306
Nickel Creek Development, LLC (470) 695-0859
Pyramid Inc. 524 Harrison Ave. (850) 872-8105
TechFarms 7543 Holley Circle (850) 233-0058
The Grocery Kitchen & Taproom 1010 Beck Ave (844) 476-2374
