Personal Services and Wellness

The Bright Spot

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Dawne Morrison
My Location
520 Hartford Turnpike
Vernon CT 06066
United States
How SCORE Helped

“I recommend SCORE to everyone I come in contact with who is looking to start their own business.”


            I’m a retired sales and marketing guy who’s recently purchased a local convenience store. What are some of the key numbers I should be monitoring to successfully manage the business’ finances?

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.

Workshop Poster Spring 2014 Low Resolution

Workshop Poster Spring 2014 High Resolution

Richard Campagna

Richard Campagna

Current City: Norwich, NY

Chief Operating officer                                                                                                       2012 – Present

Chief Financial officer                                                                                                          2011 - 2012

Mang Insurance Agency, LLC – Norwich, NY                                                           

High growth insurance agency with active acquisition strategy.  Manage commercial and benefits service operations, finance and human resources.  Led reorganization of operating departments, improved service and was quickly moved to COO position.  Evaluate acquisition candidates and manage due diligence.

Richard P. Campagna CPA  - Dunmore, PA                                                                       2009 - 2011

Accounting, Financial and Tax services for individuals and small business.  Operational and financial consulting and assisting insurance enterprises in raising capital.

Vice President, Finance & Chief Financial Officer

VPA, Inc. – Calabasas, California                                                                                             2004 – 2006

Third party claims administrator of self-funded disability insurance programs for major employers including claims adjudication and plan administration and reporting.  Managed finance, human resources and contract administration.                   


  • Executive sponsor and team leader that improved operating efficiency by implementing an automated document management system.
  • Remarketed insurance programs resulting in over $25,000 in savings.
  • Developed client level cost accounting and product pricing process.

Executive Vice President, Corporate Development, Product & Finance

Countrywide Insurance Services - Simi Valley, California                                                                                                                              2001 - 2003

MGA marketing insurance and warranty products to customers of Countrywide Financial.  Revenue $65M.   Managed Underwriting, Finance, IT and Independent Agency Distribution comprised of over 100 staff.


  • Identified opportunity and led due diligence for efforts to acquire a general agency.
  • Established capability to market business outside core mortgage customer universe.
  • Negotiated agreements to outsource auto insurance sales and processing.
  • Reduced expenses through operational streamlining and staffing revisions.


Founder, President & CEO

Pacific Select Property Insurance Company - Walnut Creek, California                                                                                                                             1997 - 2000

Insurance company specializing in residential/commercial catastrophe exposed property insurance.  Managed all operations and led development of management team, business process outsourcing, product development, sales & marketing, operations, and leading edge risk management process.


  • Founded and built operations and sold company for 150% of book value.
  • Implemented a formula-based reinsurance program saving $1 million in annual premiums.
  • Outsourced business processing minimizing up-front capital investment and fixed costs.
  • Implemented Internet strategy with underwriting, policy processing, and direct sales.

USF&G Corporation - Baltimore, Maryland                                        1988 - 1997

President - F&G Specialty Insurance Services                                               1995 - 1997

Vice President – Treasurer                                                                                 1993 - 1995

Vice President – Controller                                                                              1991 - 1993

Asst. Vice President – Controller, F&G Life                                                 1988 - 1991


Major publicly held international company offering property & casualty, reinsurance, life insurance and financial services.  Revenue $5 Billion - 12,000 employees.  Managed all financial areas including accounting, capital markets, investor relations and operational support areas.  Developed new startup operation writing in earthquake and hurricane exposed areas.  Managed all operations including marketing, underwriting, operations, risk management and finance.

  • Led development of new operation writing earthquake and wind exposed risks.
  • Revised marketing strategy in response to market conditions, resulting in rapid growth.
  • Improved relationships with investment analysts and rating agencies resulting in upgrades.
  • Reengineered operating departments resulting in savings of over $2 million annually while still improving financial reporting process.
  • Restructured capital through $600 million in creative transactions resulting in $26 million in annual dividend and interest savings.
  • Through proactive communication with customers and regulators, stemmed a “run on the bank” and convinced regulators not to take action against the company.


Senior Manager

Ernst & Young - Baltimore, Maryland                                                 1981 - 1987

A “Big 4” public accounting firm with offices throughout the world.  Senior audit manager leading services to clients mainly in insurance ranging in size from $50 million to $5 billion in revenue.  Managed engagement staffing, reviewed staff work and communicated audit results to management and audit committees.  Interfaced regularly with CFO, controller, actuaries and boards of directors.



  • Served on national task force to develop audit guidance for insurance industry
  • Through a timely and complete review of work in the field, audit engagement hours were cut resulting in a 20%+ improvement in collections versus standard rates.



Chief Financial Officer

The Forma Group, Inc. – Danville, CA                                                                                 2006 - 2008

Founder and officer of company bringing new technology to the wood frame construction industry.


  • Raised over $5 million in equity capital and obtained $1.8 million equipment lease.
  • Established finance, legal, human resources and shareholder management processes.


Chief Operating Officer/Chief Financial Officer

Design2build, Inc. - Walnut Creek, California                                                                                                                             2000 - 2001

Start-up technology and engineering services company providing collaborative software.


  • Prepared financial models presentations to investors resulting in $1 million in funding.
  • Negotiated contracts and managed relationship with international engineering partners



B.S. Accounting, University of Scranton</p>

Thomas Dube

Thomas Dube

Current City: Long Beach, CA
Chapter: Asheville SCORE

I have worked in the service industry over 20 years. I have been successful at creating win-win relationships that generate long term prosperity. 

Volitude Sport & Adventure Club: 2009 - Present
Founder. Adult Coed Beach Sports League. Come play, Have fun and Socialize is the motto. Volitude has been successful at providing a variety of activities that encourage the community to live a healthy and active lifestyle. Success from the generation of synergistic relationships, Marketing, Sales, P&L Management and Customer Service.

Regus Management Group: 2011 - Present
General Manager for Newport Beach location. Provider of flexible office space solutions. Successful resource to the new way of doing business. Success in Sales, Marketing and P&L Management. 

True Blue, Inc: 2009 - 2011
Branch Manager for Long Beach location. Provider of temporary/for hire staffing for blue collar and light industrial industry. Successful in behavioral interviewing and process management to assure client and associate maximized productivity and profitability.

Enterprise Rent-A-Car: 1997 - 2009 
Sales, Marketing, Customer Service and Employee Development were the keys to success. Successively promoted from Management Trainee, Branch Manager, Regional Sales Manager to Regional HR Manager over 13 years of employment.  



<p> California State University, Long Beach<br /> Bachelor of Arts&nbsp;<br /> Business&nbsp;</p>

Circle Studio

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Kari Koch / Lynnea Amend
My Location
1231 NW 11th Ave
Portland OR 97209
United States
Year Company Formed
My Successes

When my business partner, Kari Koch, opened Circle Studio: Pilates and Gyrotonic in 2006 she came to SCORE for help with managing 6 staff members, a quickly growing clientenle and all aspects of day to day operations that were both exciting and overwhelming for a brand new business owner.

Kari credits SCORE for 6 successful years, which included weathering a recession, but ultimately building a thriving business and strong team.

When Kari had a baby in 2012, she asked me to partner with her so that she could continue with the business, but have time to spend with her new family. Kari had such a great experience at SCORE that of course we used them to help us with details of solidifying the partnership; guiding us to take the steps necessary to build a strong foundation and see our staff through the change.

I continued working with a mentor (and still do!) and taking classes at SCORE to build my management skills, learn more about business and educate myself to be a better business partner and owner. What I got was so much more than that.

Kari and I both love Pilates and Gyrotonic because they help keep our clients strong, balanced and aligned; informing all aspects of their daily lives. But you need more than passion for what you do to be a successful business owner.

When I first began working with a mentor; I was in a word, terrified. It was such a big investment and decision; I felt anxious and lost. My mentor and the other incredible volunteers at SCORE met my determination with their own to help me learn basic business and staff management tools. These men and women have a wealth of experience and personal success that is shared with unbelievable compassion and dedication. I incorporated their suggestions into my work and I began to feel more confident and capable.

Kari and I began meeting with a mentor together in addition to my individual sessions to help us thrive as partnership. Today we have 10 happy, successful employees, a strong client base, and a wonderfully supportive partnership that uses our strengths and differences for our benefit.

What I would suggest to any new or potential business owner is this: go to SCORE and put in the work to build a strong foundation for your business, take their suggestions and use your passion to create a thriving business.

As an owner I am becoming more balanced, strong and centered every day just as I do from my work in Pilates and Gyrotonic; all thanks to SCORE.

Cash Flow Template in Excel 

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