Banking, Financial Services and Insurance

Willene Jo White

Willene Jo White

Current City: Ottumwa, IA


Regis Rulifson

Regis Rulifson

Current City: Morrisville, NC
Chapter: Raleigh SCORE

Completed a 36-year career with John Deere, retiring in 2014.  Over the course of my career with Deere, I participated in the development and growth of a start-up health management company, created new business and product segments within the health care and equipment business units, developed and led strategic planning and business growth efforts and led the divestiture of several business units.



2002&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; University of Chicago, Graduate School of Business, Executive Program in Corporate Strategy</p>

1999&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Stanford University, Graduate School of Business, Financial Program for Executives</p>

1986&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; University of Iowa, M.B.A.</p>

1976&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Iowa State University, B.S., Computer Science</p>

Darek Chojnacki

Darek Chojnacki

Current City: Dudley , MA

Santander Bank - Springfield, MA                                                         September 2012 – Present

Small Business Specialist

  • Drive district results for acquisition, deepening relationships, and retaining a portfolio of clients
  • Responsible for the business results of 4 branches in western Massachusetts
  • Meet with branch managers, personal bankers, tellers, and mortgage representatives to identify new clients
  • Offer solutions to clients such as business checking accounts, overdraft lines of credit, business term loans, business lines of credit, and commercial real estate mortgages.

Automatic Data Processing, Inc. - Waltham, MA                    December 2011 – September 2012

Associate District Manager

  • Responsible for working with small businesses (1-49 employees) to develop payroll, time and attendance, retirement services, insurance, and human resources solutions
  • Built relationships with accountants, bankers, financial planners, and clients as referral sources to develop a book of business
  • Achieved 146% of sales goal for the 2012 fiscal year
  • Contributing member of the regional team of the year based on sales performance

Liberty Mutual Group - Auburn, MA                                                                 September 2005 - December 2011      

Personal Sales Representative

  • Responsible for selling auto, home, life, and liability insurance products to individuals and affinity groups using consultative selling techniques
  • Established and maintained business relationships with policyholders to achieve retention goals and to develop new business growth
  • Maintained rate of retention consistently above the state average (94%)
  • Achieved the Liberty Mutual Lamplighter Award (based on outstanding life insurance production)



University of Massachusetts &ndash; Lowell, Bachelor of Music: Emphasis in Business, 2005</li>
The American College, Life Underwriter Training Council Fellow, 2008</li>

Jeff Twiddy

Jeff Twiddy

Current City: Louisville, OH
Chapter: Canton SCORE


Registered Representative at Western & Southern Brokerage Services

Western & Southern Financial Group

May 2013 – Present (9 months)

6539 Market Avenue N Canton, Ohio 44721


Financial Representative at Western & Southern Life

Western & Southern Life

2012 – Present (2 years)

Canton, Ohio


Mathematics Instructor

Canton City Schools

2006 – 2013 (7 years)Canton, Ohio Area

Canton McKinley Sr. High School
• Advanced Calculus
• Advanced Geometry
• Advanced Algebra 2 w/ Trigomometry
• Probability (Senior Level)
• Ohio Graduation Test Prep

Football Coach

Canton McKinley Bulldogs

2006 – 2013 (7 years)Canton, Ohio Area

• Coordinate Varsity Wide Receivers
• Passing Game Coordinator
• Quarterback Coach
• Head JV Coach
• Head Freshmen Coach




June 2011 – August 2012 (1 year 3 months)

Louisville Ohio


AmSpirit - Hall Of Fame Chapter

Vice President

January 2014 – Present


Canton Regional Chamber of Commerce


January 2013 – Present


Jackson Regional Chamber of Commerce


February 2013 – Present


Louisville Regional Chamber of Commerce


October 2013 – Present




Six Sigma Certified


March 2012 – Present


CPR / First Aid

American Red Cross

August 2012 – August 2015




Game Plan Your Future: A Guideline to Collegiate Athletics, Academics, & Funding

January 2013

  • We help parents and student athletes make sure they are prepared for college academically, athletically, & financially. 

Volunteer Coach

NFL All Pro Dad

July 2008 – Present (5 years 7 months)Children

  • Since 2002, the All Pro Dad Father & Kids Experience has been held 70 times in 21 different NFL, MLB, and NCAA markets (Indianapolis, Tampa, Miami, Buffalo, Pittsburgh, Green Bay, Kansas City, St. Louis, St. Petersburg, Charlotte, Detroit, Jacksonville, Houston, Chicago, Cincinnati, Minneapolis, Nashville, Canton, Athens, Tallahassee, and Baltimore).


  • We host this event annually in several NFL markets. The Father & Kids Experience is held at the team's practice facility or stadium. During the three-hour event, dads and kids rotate through stations and participate in interactive games designed to strengthen their relationships and deliver useful fatherhood tips.




Walden University

Masters of Business Administration, Risk Management and Corporate Finance

2011 – 2013


Kent State University

Bachelor of Science, Mathematics / Education

2001 – 2006

• OMNOVA Physics Scholarship Recipient
• Pioneer Field of Dreams Scholarship Recipient

          Our veterinary practice began doing online marketing, including social media, about six
months ago. We believe it’s having a positive impact, but would like to know how we can
accurately measure its effectiveness.  

About the Author

       This column is brought to you by the Merrimack Valley Chapter of SCORE, with nearly
70 current and former business executives available to provide free, confidential, one-on-one
business mentoring and training workshops for area businesses. Call 603-666-7561 or visit for information on mentoring, upcoming workshops and volunteer

John Robert Knecht

John Robert Knecht

Current City: Rochester, MN


All Business phases MMM&O---Money, Marketing, Management, and Operations. Was the CEO of a 153 employee multi level Building Material supply business which included the following: Home Building, Remodeling, General Contracting, Land Development, non-profit Development,  Modular Home manufacturing, Component Home parts manufacturer, truss manufacturer,Cash and Carry Building Supply business,  Real Estate company, Board member Black Hills Power & Light, Mobile home court developer, Real Estate Appraisal, numerous American Management Association short courses.

Political involvement: Lobbyist, RC City Council,  Governors Advisory Board for Mental Illness, Formed the RC Alliance for the Mentally Ill, Served on the SD Alliance for the Mentally Ill Board, Hospital Psychiatric Center advisory board, County commitment Board, Journey Museum Marketing Board, Elder and Trustee First Presbyterian Church, Junior Chamber, Chamber of Commerce, SCORE Chairman, Board member National Retail Lumber Dealers Assn., Board member National Home Builders Assn., Boy Scouts Cub Pack Master and Scout master, RC Economic Development Board, Board member West Hills Village 220 unit retirement facility, SBA Small Business Advisory Council, Elks Lodge, Chair of the RC Planning Commission, Board member of Northwestern Lumber Dealers Assn., Board member Pennington Drainage Commission, and a member of the Naja Temple Shrine.



BS in Architectural Engineering, Life Insurance license,, Real Estate Appraisals, Real Estate License, Construction Management course. AMA courses: Marketing, Sensitivity 'training, Financial Management, Management of Managers, Management by Objective course, and Sales Management..

Carole Richter

Carole Richter

Current City: Denevr, CO
Chapter: SCORE Denver


Steven Chase

Steven Chase

Current City: Albuquerque, NM


James Injeski

James Injeski

Current City: Delafield, WI


Jim provides consulting and strategic planning to help business owners develop and execute strategies to achieve both business and personal goals.

Jim is a valued and trusted advisor to businesses and their owners. He focuses on strategic issues such as formation of business enterprises, mergers and acquisitions, business dispositions, succession planning, and management transition. His style is characterized by creativity, thoughtful analysis, practical solutions, trust, and integrity. He has applied his technical and business management expertise and experience as an advisor and equally important, directly as a senior level corporate manager/ executive within various companies, to define and effectuate change in organizational direction.

Application of Jim's experience includes:

         CEO & shareholder of Milwaukee area manufacturer of parts and components for OEM customers.          Negotiated purchase of company and initiated programs to meet evolving demands from                          international customer base; achieved ISO certification.    

  • Vice President of Wisconsin based manufacturing company and financial advisor/manager to owner. Developed and managed all investment and banking relationships. Negotiated and conducted sale of North Carolina division.
  • Developed strategic plan for medical services company, expanding company from a local area provider to a three-state 17 office regional provider. Assumed role as CEO upon illness of major shareholder/president. Conducted sale of company to Benchmark Medical. Advisory board member and shareholder.
  • Director of Finance at Associated Dental Services, Inc. and Dental Insurance of Wisconsin, Inc., creating a multi office dental services provider network and insurer. Assisted in sale to national buyer.
  • Lead strategic planning for Southeastern Wisconsin law firm, conducted a search for and managed a merger with a prominent regional firm.
  • CEO and President of WI based not for profit organization dedicated to teaching personal financial literacy and economic freedom.
  • CPA with Arthur Young & Co and then BDO, where he held senior management/partner positions. Later he started his own firm.




BBA degree in Accounting from University of Wisconsin - Milwaukee

CPA Certification


            I recently purchased a children’s daycare center. The previous owner did not treat the staff well, and my top priority is to correct that situation. How do you suggest I accomplish that?

About the Author

            This column is brought to you by the Merrimack Valley Chapter of SCORE, with nearly 70 current and former business executives available to provide free, confidential, one-on-one business mentoring and training workshops for area businesses. Call 603-666-7561 or visit for information on mentoring, upcoming workshops and volunteer opportunities. SCORE is a national, non-profit organization and a resource partner of the U. S. Small Business Administration.

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