Board of Directors
Vision Statement:
Our Chamber ... the business force and foundation connecting the community through integrity, leadership, value, growth, and service.
Mission Statement:
The mission of the Crystal Lake Chamber of Commerce is to create value and opportunity for our members with the belief that a positive business climate is an integral part of a healthy community.
The governing and policy making responsibilities of the Chamber are vested in the Board of Directors in accordance with the Chamber Bylaws. The Board controls the Chamber’s property, is responsible for its finances and directs its affairs. The Board is composed of 15 members.
Board Meeting Minutes (Fiscal Year July 2025 - June 2026)
Board of Directors:

Karen Tobin
Board Chair
Amundsen Davis

Amundsen Davis
475 W. Terra Cotta Ave
Suite C1
Crystal Lake IL 60014
https://www.amundsendavislaw.com/
Karen’s exposure as a corporate liaison to three outside law firms in dealing with company formations, commercial lease negotiations, and working with governmental organizations relating to planning and development of real estate intrigued her so much that she decided to become an attorney herself. Today, Karen is a member of the firm’s Corporate and Real Estate, Zoning & Public Finance Service Groups, assisting small and mid-sized companies in the areas of business formation, reorganization, corporate maintenance, and qualifications in multiple jurisdictions.
Having practiced corporate law for more than a decade, Karen has significant experience assisting with corporate governance, commercial contract law, mergers and acquisitions, along with commercial and residential real estate transactions. Through the start-ups and reorganizations of many companies, she has worked on many shareholder agreements and operating agreements for her clients. She is well versed in multi-jurisdictional areas and can assist clients with maintaining and qualifying their entities throughout the United States. Karen advises clients in shareholder matters and shareholder rights. She is also well versed in negotiating vendor agreements, master service agreements, license agreements, and distributor agreements.
Karen is familiar with the process of raising of capital through Regulation D and Regulation A, preparation of private placement memoranda and associated agreements, and is familiar with the filing process of the Illinois Secretary of State, the Internal Revenue Service, and the Illinois Department of Financial and Professional Regulation.
Karen has in-depth knowledge and experience with not-for-profit corporate formation and qualification of tax-exempt status with the Internal Revenue Service for both 501 (c)(3) and 501(c)(4) organizations. She is instrumental in qualifying organizations for Women Business Enterprise Certification, Minority Business Enterprise Certification, and Disadvantaged Business Certifications as well as annual recertification’s. Karen has experience in small claims contract litigation, shareholder dispute settlement negotiation, and litigation involving breaches of fiduciary duty and fraudulent conveyance.
Prior to her legal career, Karen served as development director for a commercial and residential development company. She was directly responsible for the initial start-up of new residential and commercial developments, commercial leasing efforts, and monitoring advertising and promotional efforts. Included in her responsibilities were site selection, pro-forma analysis and due diligence, rezoning, as well as proposal submissions to the City of Chicago of Requests for Qualifications (RFQs) and Requests for Proposals (RFPs) in the planned unit development process.

Katie O'Neill
Vice Board Chair
Chicago Title

Chicago Title
101 N. Virginia St Suite 190
Crystal Lake, IL 60014
815.455.1570
cmetro.ctic.com
Chicago Title Crystal Lake office offers services to a wide range of customers: Attorneys, Real Estate Professionals, Lenders, Builders, and Buyers/Sellers.Â
Their Chicago Title Professionals are here to assist you!Â

Kathryn I. Martens
Treasurer/Finance Chair
Member Emeritus
Retired From:
Crystal Lake Public Library
126 W. Paddock St
Crystal Lake, IL 60014-6194
815.459.1687
crystallakelibrary.org
Accomplishments
- Chamber Board of Directors (Chair 2002-2003)
- Ambassador since 2003 (Chair 2007-2008)
- Member of the Year 2003
- You Can Count on Me Award 2007
- Presidential Award of Excellence 2009
- Pride in Crystal Lake Award (PICA)Â 2011
- Athena Award 2016

Eric Beier
Past Board Chair
First Institute

First Institute
790 McHenry Avenue
Crystal Lake, IL 60014
815.459.3500
firstinstitute.edu
In the late 1970s and early 1980s, Ron and Judy Beier ran a travel agency and were having trouble finding qualified travel agents to help them with their business. Recognizing a need, they decided to provide training and First Institute was born.
In 1982, First Institute opened its doors in a two-story house in Crystal Lake, Illinois. The travel agency operated upstairs, while a classroom was located on the first floor. By day, the Beiers ran their travel business, and in the evening, they taught classes using the Computer Reservation System.
In 1989 First Institute and Travel First moved to its current location at 790 McHenry Avenue in Crystal Lake. This is also when First Institute received accreditation from our current accrediting commission, ACCET.
Though Ron and Judy have since retired, First Institute remains a family business, with their sons Eric and Kurt guiding us forward. Won’t you join our family too?

Stacy Brown
New York Life

New York Life
847.471.4556
www.newyorklife.com/agent/sbrown11
Accomplishments
- 2022 President's Award Recipient
- Chamber Board of Directors
Helping clients understand their options and achieve their goals are what make my job so rewarding. Every client is unique, so together we can develop a personalized approach that meets today's needs and tomorrow's as well.

Michael Buchanan
Business Development Chair
Northwestern Medicine

Northwestern Medicine Woodstock Hospital
3701 Doty Road
Woodstock IL 60098
http://www.nm.org

Pierre Garcia
Crystal Lake Bank & Trust
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Crystal Lake Bank & Trust
5100 Northwest Highway
Crystal Lake, IL 60014
815.479.5200
crystallakebank.com
With more than 30 years of banking experience, Pierre Garcia provides the highest level of service for all your financial needs.

Brad Heldt
Ambassador Chair
Home State Bank N.A.

Home State Bank
40 Grant St.
Crystal Lake, IL 60014
815.477.2000
www.homestateonline.com
For the past decade, Brad M. Heldt has been involved in philanthropy and has served on numerous boards in McHenry County. A Crystal Lake resident, he brings over 20 years of banking expertise to his roles as Senior Vice President and Commercial Lending Manager at Home State Bank. Heldt earned a Bachelor of Science from the University of Illinois, Urbana-Champaign and is a graduate of the Graduate School of Banking at the University of Wisconsin, Madison. He most recently served as Chairman of the Board of Directors and Executive Committee for the McHenry County Economic Development Corporation. In his spare time, Brad enjoys spending time with his wife, Sarah, playing golf, and tagging along with his two children, Ava & Ari, as they participate in all their activities.

Leah Jackson
Amerifinancial Home Mortgage
AmeriFinancial Home Mortgage Inc
421 N. Northwest Hwy, Suite 16
847.382.4545
fairwayindependentmc.com
Leah Jackson is a Loan Originator at a local mortgage brokerage, Amerifinancial Home Mortgage, Inc. She specializes in helping homeowners navigate the financial side of the home buying process. Amerifinancial offers conventional, FHA, VA, Non-QM, and USDA lines of financing, in addition to many federally backed buyer grants and refinancing options.
In addition to her "day job", Leah remains active by serving on the board of the Crystal Lake Chamber of Commerce, the board of Women Empowering Women, and volunteering through many local nonprofits, including the Community Foundation of Mchenry County.

Dawn Kincaid
Aroma Coffee & Wine

77 E Woodstock St
Crystal Lake, IL 60014
https://www.aromacoffeeandwine.com/
Dawn Kincaid is the founder of Aroma Coffee & Wine located in the beautiful Downtown Crystal Lake!Â

Andrea Marquez
Zumba Fitness
Bio coming soon!Â

Chris Slack
Member Benefits Chair
Home State Bank N.A.

Home State Bank N.A.
40 Grant St.
Crystal Lake, IL 60014
815.459.2000
homestateonline.com
Home State Bank opened its doors to McHenry County in 1915, and for over 100 years we have been serving the McHenry County area. From the beginning, it has been our goal to create a better quality of life for our neighbors, and to work together to build a better community.
Our relationship to the community has remained as strong as it was from our beginning, and it continues to grow today. In the words of Home State Bank's President, Steven L. Slack, "We are not just out looking for loans and deposits, we are looking for long-term relationships."
At Home State Bank, we would like to help you and your neighbors. We invite you to explore this website to discover all the many products and services available to you from Home State Bank as well as our Minuteman Online Banking. There have been many changes throughout our 100+ year history. You will clearly see from the pictures in our timeline below. Our journey has had many twists and turns, however, the one thing that has remained constant is our focus on providing superior hometown customer service.Â

Grace Todd
Community Service Chair
Advocate Good Shepherd Hospital

Advocate Good Shepherd Hospital
advocatehealth.com
- Oversee the daily operations and strategic development of the Health Management Center. The Health Management Center is a hospital-based, outpatient chronic care clinic. Services currently include Anticoagulation Management, Congestive Heart Failure, Diabetes Education and Medication Management, Weight Management and Wound Care.
- Oversee operations of the Center for Health and Integrative Medicine, including acupuncture, yoga, medical massage, psychotherapy, aromatherapy, and concierge.

Tim Urban
Hammortree Financial Services

Hammortree Financial Services
125 S. Virginia St.
Crystal Lake IL 60014
815-788-7420
http://www.hammortreefinancial.com
Tim has been providing comprehensive financial planning to his clients since 2014 with Hammortree Financial Services. By specializing in family planning and strategies for small business owners,Tim has helped provide support to current HFS clients as well as helping to grow our presence within the community. Tim is a Certified Exit Planner, which is a designation he worked hard to achieve to best assist his business owner clients who need help with retaining their key employees as well as finding the most optimal path out of their business to transition into retirement or whatever that next stage in their life happens to be.Â

Mike Wheeland
Social Indoor
Social Indoor
P.O. Box 704
Crystal Lake, IL 60039-0704
815.382.5470
socialindoor.com
Social Indoor offers alternative out-of-home advertising concepts to McHenry County, Lake County, Kane County and Cook County in Northern Illinois. Reaching captive audiences is the key to successful advertising and we develop medias that can't be tuned out, turned off or missed. Social Indoor uses restroom billboards to key into captive audiences with disposable income while they are distraction free and open to new concepts.
Social Indoor billboards can be found in sports bars, fine dining, casual and family restaurants, golf courses, health clubs, beaches, and health clubs to name a few.
Our objective is to deliver an affordable branding concept that can be utilized by companies large and small.
Specialties: After purchasing advertising for two companies for over ten years, I have walked in my client's shoes and understand the importance of a good marketing mix. Different industries require different marketing mixes, however the key to success is the same for everyone; experiment with different forms, find what works, and stick with it.
Social Indoor of NW Chicago
Franchise Owner
Sep 2019 – Present
Crystal Lake
President
Sep 2019 – Present
Social Indoor provides captive advertising to socially active people while they are out spending disposable income. We live in a world of distraction, Social Indoor has found the one place where you can still get someone's undivided attention and build awareness and excitement for your brand.
President
Social Indoor of NW Chicago (formerly AllOver Media)
Sep 2006 – Sep 2019
AllOver Media is a cutting-edge marketing company serving Chicago's Western and Northwest Suburbs. All Over Media specializes in Out-of-Home advertising, primarily with our Bathroom Billboards and Gas Pump Billboards.
The AllOver Media Indoor billboard looks like a piece of framed artwork. They feature a 17x 11 printed advertisement or a full 17x 22 printed poster. These ads attract attention and create interest! Our indoor billboards are currently installed in over 250 of Chicagoland's most popular and affluent restaurants, nightclubs, health clubs, sports bars and family fun centers. Our venues offer a captive audience that can be targeted by demographic and/or geographic profile. Clients can purchase a local area or the entire region. And best of all, people welcome the opportunity to read something while using the restroom. Imagine having ads that people enjoy seeing! …
Director
First Institute
Nov 1999 – Sep 2006
Director of nationally accredited vocational school.

Be on the lookout for Board members at Chamber events!
