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</o:shapelayout></xml><![endif]--></head><body lang=EN-ZW link="#0563C1" vlink="#954F72"><div class=WordSection1><p class=MsoNormal><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><img width=1067 height=1513 id="Picture_x0020_3" src="cid:image004.jpg@01D57C9B.664D6160"></span><span style='font-family:"Verdana",sans-serif'><o:p></o:p></span></p><p style='background:white'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'><o:p> </o:p></span></p><p style='background:white'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p style='background:white'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>I was lucky. I saw it coming.<o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>Early in my career I started a bank in San Juan, Puerto Rico. I was in a good place professionally and I liked everything about my role—the business climate was great, the community was supportive, and the weather was exceptional.<o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>There was just one problem: my wife didn't want to spend our entire lives in the Caribbean.<o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>So we did what any good partners do and made a deal. We would only stay for five years, and then when our time was up we would move back to Denver and I would hand off my CEO role in the company I had started. It wasn’t how I expected that part of my career to unfold, but because of our agreement the decision was already predetermined.<o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>The end was knowable. Which is usually not true for most entrepreneurs.<o:p></o:p></span></p><h2 style='line-height:21.45pt;background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;font-size:1.375rem;margin:1rem 0px 0.5rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>Choices aren't always obvious<o:p></o:p></span></h2><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>It’s often assumed that the major pivot points for business owners arrive alongside a blare of sirens and blinding lights. The choice is obvious and the choice is always binary: for example, you can either sell the company you’ve built and cash out or double down and work harder to make it grow to achieve success.<o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>Except it’s never that simple.<o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>In my experience, these two clear-cut paths are more like a mirage. Instead, grow versus sell are merely two ends on a long continuum, a spectrum every entrepreneur sits on at every moment of their career whether they realize it or not.<o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>The pivot point may eventually arrive, sure. But it typically won’t do so on your schedule, and no entrepreneur can truly be prepared for it unless they’re constantly assessing where they live on that spectrum.<o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>This assessment can be especially tricky for the person who is by design meant to lead with unblinking authority. Projecting the utmost confidence in the direction you’re headed is not possible if you’re also publicly asking people if they think you’re headed down the right path. Do that with your employees and they might just start looking for a new job. Do that with your investors and they might just find someone new to grow their money. <o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>So what’s a good entrepreneur to do? <o:p></o:p></span></p><h2 style='line-height:21.45pt;background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;font-size:1.375rem;margin:1rem 0px 0.5rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>No one succeeds alone<o:p></o:p></span></h2><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>Given the rapid-fire nature of the business world, whether or not you’re in a place to grow or sell needs to be part of a conversation you’re having with your own trusted network of mentors all the time. It’s not that entrepreneurs aren’t thoughtful about their own self interest, because they are. It’s that they often view the problems they face in isolation, rather than as one piece of a very large, interconnected puzzle. <o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>This is what I learned in the time it took me to go from starting my first bank to leading my fourth. If you’re not in the process of recalibrating or figuring out where you stand going into the next challenge, there’s a good chance that one of those other, previously invisible problems is going to push you towards making a decision whether you like it or not. <o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>I found myself in this exact position coming out of the Great Recession.<o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>In that case, I had started a new bank which had been structured to survive a downturn. It was a move that proved prescient as we watched a lot of smaller banks fall by the wayside, undone by new regulations, higher capital requirements, and the loan losses that hit the industry during any recession. <o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>But that pivot point came with new questions. Should we hunker down and just hope to survive or go into growth mode and expand as others exited? Were we growing or selling?<o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>We spent a lot of time talking with our stakeholders – the management team, the board, our shareholders, our associates, our clients, and more – to determine if we were on the right path. Ultimately we decided the best path for shareholder value creation was taking our company public and in the process aggressively expanding our mission as an organization.<o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>But the key for me, at least, was that I had already had many of these same conversations with members of my trusted network well before I ever spoke to stakeholders. The intervening years between the easy decision in Puerto Rico and the worst economic period since the Great Depression had taught me many lessons, but chief among them was that if I wasn’t constantly reassessing my position and the position of the company I was running, some external factor would catch me unprepared.<o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>I knew what I wanted from the bank well before forces beyond my control pushed me towards that pivot point. And I had been fortunate enough to build a network of advisors I could turn to who understood the challenges entrepreneurs face but weren’t connected to the outcomes of my decisions.<o:p></o:p></span></p><h2 style='line-height:21.45pt;background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;font-size:1.375rem;margin:1rem 0px 0.5rem'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>Success isn't a one-person endeavor<o:p></o:p></span></h2><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>This is a variation of a concept I’ve talked about in the past: watching your backside. That is, the part of an entrepreneur's personal life they don’t show to the wider world, but only to a trusted few, whether they be family members, mentors, or anyone else with a stake in their success but no clear stake in the success of their business.<o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>The truth is, entrepreneurship is a constant balancing act of decision-making, risk management, and leadership. And the roadmap for founders isn’t much of a map at all. <o:p></o:p></span></p><p style='background:white;-webkit-font-smoothing: antialiased;box-sizing: inherit;margin:1rem 0px'><span style='font-size:11.0pt;font-family:"Verdana",sans-serif;color:#212121'>Those that succeed are those that embrace this uncertainty and work to balance the wants and needs of all stakeholders involved – including themselves – well before the inevitable pivot point comes calling. Those that overlook these preparations might find themselves making tough decisions before they’re ready, and possibly regretting them later.—entrepreneur.com <o:p></o:p></span></p><p class=MsoNormal style='line-height:11.2pt;background:white'><i><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Invest Wisely!</span></i><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:11.2pt;background:white'><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Bulls n Bears<o:p></o:p></span></p><p class=MsoNormal style='line-height:11.2pt;background:white'><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'> <o:p></o:p></span></p><p class=MsoNormal style='line-height:11.2pt;background:white'><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Telephone: </span><span style='font-family:"Verdana",sans-serif'><a href="tel:%2B263%204%202927658" target="_blank"><span style='color:windowtext;mso-fareast-language:EN-ZW;text-decoration:none'>+263 4 2927658</span></a></span><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:11.2pt;background:white'><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Cellphone: </span><span style='font-family:"Verdana",sans-serif'><a href="tel:%2B263%2077%20344%201674" target="_blank"><span style='color:windowtext;background:white;mso-fareast-language:EN-ZW;text-decoration:none'>+263 719 441 674</span></a></span><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='line-height:11.2pt;background:white'><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Alt. 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