Staying connected: ‘Saturday Soiree’ in Palm Beach

Staying connected: ‘Saturday Soiree’ in Palm Beach

By: Felipe Rivas

2 min read April 2020 — The novel coronavirus forced a global halt to major international, regional and local events. From the NBA season to networking conferences, all gatherings of any size stopped abruptly in an effort to flatten the curve and prevent COVID-19, the disease caused by the coronavirus, from spreading further. However, as the population at large becomes accustomed to social distancing, stay at home orders and self quarantining, many events went from a hard stop to full speed ahead virtually. As the business community adjusts to the challenges of the disruption caused by the coronavirus, many institutions are building value and maintaining relationships with patrons by maximizing the use of webinars, online classes, video conferences and even virtual happy hours. 

In its “Staying Connected” series, Invest: is talking to leaders in various markets about their efforts to, well … stay connected.

In Palm Beach, a region known for its daily community outdoor events and weekend parties,  institutions have had to shift to online platforms to preserve the community feel and give people an escape from social distancing. The West Palm Beach Downtown Development Authority did just that by hosting a party with musicians online. “This past saturday, we hosted what was to have been an outdoor event called ‘the Saturday Soiree’ with musicians and we streamed it throughout social media and let each one of them have their set,” Executive Director Raphael Clemente told Invest: Palm Beach. “It was a big success and gave us ideas on how to keep Downtown top of mind,” he said. 

The authority is focusing on being a support system for residents and Downtown business leaders in this period of economic uncertainty. “We meet with a lot of stakeholders, and internally. I am loving Skype and Zoom. We have gone to these platforms as everyone else has. As a team, a big part of our conversation was how we can do our job of marketing and sharing information, but keeping top of mind the sensitivity of people right now to their business issues,” Clemente said. “It is not just what we are saying, but how we are saying it. Also, just picking up the phone, versus using only email, is an important thing to do.”

The video conference platform, Zoom, has quickly become ubiquitous across the virtual events space. Across economic sectors, different institutions are taking advantage of Zoom and similar platforms. To host a successful virtual event, event planners must decide between hosting a virtual meeting or a webinar. “If you expect attendees to mostly just listen,” the best option is a webinar, Zoom advises as part of its digital event best practices. “When you need more back and forth between the audience and the host,” planners should choose a virtual meeting, the platform advises. 

Once the type of digital event has been narrowed down, hosts should hardwire the internet connection to prevent any Wi-Fi-related hiccups or virtual lag. In terms of audio, hosts should test speakers and audio prior to the meeting and minimize any background noise, according to Zoom. Additionally, hosts should dress to impress and make sure to start the virtual event on time. It is important to set the tone of the event and encourage Q&A’s during the virtual meeting or webinar. As a best practice, Zoom recommends the use of the Chat function to keep track of questions and comments. For larger webinars, Zoom offers a PayPal integration to charge the registration fees seamlessly. 

For the time being, social distancing will be part of the mainstream business landscape until at least May. However, many institutions are adjusting and pivoting more and more to the virtual hosting model to build value, share information and regain a sense of community in a time where residents are being asked to self-isolate as much as possible.  

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Spotlight On: Chuck Cross, Regional Market President, Seacoast Bank

Spotlight On: Chuck Cross, Regional Market President, Seacoast Bank

By: Felipe Rivas

2 min read April 2020 — Over the last few years, consolidation and mergers and acquisitions have dominated the banking industry. In Florida, as the population continues to grow and the financial sector diversifies further, the Palm Beach market remains vital for banks looking to grow their operations in the state. With the recent acquisition of First Bank of the Palm Beaches, Seacoast Bank is positioning itself to take full advantage of the opportunities within the Palm Beach market. In an interview with Invest: Palm Beach, Regional Market President Chuck Cross talks about the strength of the Palm Beach market, the evolution of the banking sector and his outlook for the industry during an economic downturn.

How did Seacoast Bank perform in 2019?

Seacoast Bank once again delivered a record-breaking financial performance in 2019, propelled by a balanced growth strategy. We combined solid, organic growth with smart acquisitions and careful cost control that enabled us to outperform our peers. Seacoast Bank produced double-digit growth and net revenues of $297.8 million. Overall, Seacoast Bank’s goals are focused on growth and Palm Beach County is an important contributor to that growth. Our recent acquisition of First Bank of the Palm Beaches increases our presence in the county from six to eight branches and grows our total deposits to $821 million. When you consider the strength and overall growth of the economy in Palm Beach County, we see the demand for banking services increasing. We are well-positioned to service that growth in Palm Beach County.

How has the banking sector evolved over the last couple of years?

The banking sector has seen a lot of consolidation in the last 10 years, and I think we will continue to see that. Customers are looking for more ways to bank remotely. As banks compete for customers, it is likely they will increase the number of products and services available in their remote channels. The key for a successful merger and acquisition is to integrate and consolidate well and to win over the hearts of acquired customers by providing the convenient products and services of larger banks, but with the personalized attention of a hometown community bank.

What can be done to level the playing field when it comes to credit unions?

The Florida Bankers Association has pushed for legislation to close the loopholes for the mega credit union, those with over $1 billion in assets, and to impose CRA requirements and corporate taxes. Today, there are more than 360 credit unions with more than $1 billion in assets. The majority of credit unions still live up to the intent of the legislation, as they are small and focused, but some of them have grown and may not fit the original intent of the law.

How do you see the banking industry performing during an economic downturn?

The banking industry is federally regulated to make sure that banks remain solvent even in a downturn. Since the last downturn, the Florida banking industry has undergone major consolidation. The winners will be those that manage to deliver the services and technologies that the big banks are known for while still maintaining the high standards of personalized customer services that we all know and love in the community banking environment.

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Spotlight On: Andrew Duffell, President, Research Park at Florida Atlantic University

Spotlight On: Andrew Duffell, President, Research Park at Florida Atlantic University

By: Felipe Rivas

2 min read March 2020 — Research Park at Florida Atlantic University is a public-private partnership that serves as a hub for translating new technologies into the marketplace. Over 32 companies are based there, working on discoveries and technology innovation for the medical and healthcare sectors among others, said President Andrew Duffell. Many of the companies at Research Park are growing past the startup stage, while at the same time the park places a keen focus on attracting established international, tech-based companies to the Palm Beach region, Duffell told Invest:. 





What were some major developments for Research Park at Florida Atlantic University in 2019?

In 2019, we had over 800 people working at the Research Park among the 32 companies that are based here. The really important metric that we saw emerge last year was the number of discoveries that were patented and the quality of collaborations that are happening between the various companies and FAU, which continues to improve year over year. A number of our companies are progressing through their life cycles from startups to second stage, benefiting from our economic gardening initiatives. We have seen an uptick in the budgets for research and development over the years that we expect to start yielding results this year and next.


What sectors are set to benefit from the discoveries made at Research Park?

The majority of the discoveries that were made are in the medical and healthcare space. We have companies working on mental health, medical devices, therapeutics and healthcare IT. We are excited to see a real concentration in the healthcare space, with an emphasis on the interface between healthcare technologies and how healthcare is delivered to patients, which synchronizes well with how we see Florida Atlantic University growing, particularly in the southern Palm Beach County and northern Broward County region. The healthcare industry as a whole is really ripe for innovation, and this is where we are starting to see commercial activity developing, which is very gratifying. While we are affiliated with the university, we are a separate organization: our focus is on economic development and the translation of new technologies into the marketplace. 


In what ways is the Palm Beach region advancing workforce development efforts?

In terms of workforce development, I think Florida is ahead of the pack. We have had a strong workforce development system for a number of years. Research Park at FAU companies and their employees can take advantage of continuing education courses at FAU that are flexible in terms of schedule and pricing: some are for credit, some are for certificates. These have been really valuable. Palm Beach State College also has some fantastic courses in degree and non-degree fields. I think we have held our own in that regard and the employers have seen the value in upgrading the skill set of their employees as a way to retain them. Many employers are investing more in their employees, using flexible work schedules, more work from home and more team-building activities.


What is the focus for Research Park heading into the future?

We’ve made a determination to follow FAU’s significant expertise in its strategic pillars. We want to work with technology companies that will complement those areas, which are the life sciences, sensors and embedded networks and A.I. We are looking for companies that are working in those spaces that will be able to add to work already being developed at FAU, or contribute new ideas to their research. We are seeing a lot of this activity and we think there is potential overseas as well, and would like to bring those companies to Palm Beach County and to scale up their business here. We are looking for companies that are in the second stage, beyond the startup phase, in their home countries and have their concepts developed, are seeing revenues and have investors. We want to find those really promising companies and bring them to Palm Beach County. That is what we are embarking on this year and we are seeing a lot of activity in the sensor and A.I. space in places like Brazil, Canada and Israel.


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Spotlight On: Renee Jadusingh, Executive Director, Delray Beach CRA

Spotlight On: Renee Jadusingh, Executive Director, Delray Beach CRA

By: Felipe Rivas

2 min read March 2020The Delray Beach Community Redevelopment Agency (CRA) was established by the City Commission in 1985 to guide the city in its redevelopment efforts. The purpose of the CRA is to revitalize the physical environment and the economy of the Community Redevelopment Area. The CRA’s activities are designed to solve the underlying problems of slum and blighted conditions through planning, redevelopment, historic preservation, economic development and affordable housing.

What is the key characteristic for a successful CRA?

Communication is a very important component for investment. We need to communicate what we have done and where we are going to attract the right investment. A focus for us on a city level is the Northwest-Southwest neighborhood, which is an Opportunity Zone. We have the land and are open to working with a third party to develop it. In this area, we want to have a continuation of Downtown from I-95 all the way to the beachfront. That is a shared goal between the Chamber of Commerce, the City Commissioners and the CRA. We provide resources to help small businesses grow, including funding, help with business plans, research, investment guidance and grant and federal funding applications.

How do you balance support for small businesses with trying to attract bigger companies to the area?

As a CRA, we have programs that are available for businesses that want to renovate or relocate into the area. We provide funding for up to a year to help businesses with their rent, which encourages people to come to our district. We have programs to renovate structures through investment funds. We also acquire property to turn around to developers through an RFP process such as 4th and 5th Delray and the Fairfield Inn, which is a land-lease with an option to purchase.

How are you avoiding the pitfalls that come with gentrification, such as affordable housing and connectivity?

Affordable housing is a big part of our mission. We have always worked with the community land trust, which the CRA and the city created to help with affordable housing issues. The city has a workforce housing ordinance that provides a density bonus for developers that provide housing for certain income levels. We have a 7-acre redevelopment project taking place in the Northwest-Southwest area, which is taking advantage of that density bonus. As a CRA, we are in the process of building 30 single-family homes in this neighborhood.

In the commercial segment, we are looking at building out two spaces. One is a property we purchased in 2018. At first, we allocated it to housing but we realized there was more of a need for office space and changed directions. The top floor will be a coworking space with some individual offices, hot desks and a shared desk area. The ground floor will be traditional office space and perhaps a restaurant. If we own this, we can control the rent, which will help companies grow, but at some point, this would be turned over to a management company. We are open to opportunities for partnerships in the meantime.

The other project is a vacant piece of land on Southwest 5th Avenue, which is a historic business district that thrived in the 1950s among the African American population. Our focus is to bring back activity into that corridor. We are in the design phase to build a two-story office space in the building and this could be an investment opportunity for a third party. The Arts Warehouse is in the Arts Alley area, and we renovated this into an arts incubator, so we have about 15 artists renting small spaces at a rate of $2.50 per square foot. There is also a gallery in this space where people can apply to display their work. We are also putting about $2 million into the ground infrastructure in the Arts Alley district.

How are you attracting young entrepreneurs, especially in the tech sector, to Delray Beach?

The kind of investments we are making on Northwest 5th Avenue demonstrates that. One is a coworking space and we also are renovating a more modern-looking building. If they come to us, we direct them to the right avenues to encourage their ideas. But ultimately, after the business plan, they need a place to go, and that’s where the CRA comes in. The 7-acre project requires that at least three business spaces are used for locals, so we can keep encouraging local young businesses to grow and thrive. The Arts Warehouse is not a traditional gallery and is definitely a novel concept.

We invest a lot of money with the city to do the underground, which is not necessarily an attractive investment, but it is necessary. The infrastructure has to be there to support the growth of an area. To help encourage businesses, we contribute that development, otherwise it may fall to the developer. This is our way of encouraging businesses to come here.

What are some of your main goals for 2020?

The investment in the Northwest-Southwest corridor is our most important project. We are also investing in a park where famous tennis players, such as the Williams sisters, trained. To date, we have invested about $3 million in a $25 million project that is intended to concentrate activity in this area. 

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Stay hopeful: Handling coronavirus-related stress in Palm Beach County

Stay hopeful: Handling coronavirus-related stress in Palm Beach County

By: Felipe Rivas

2 min read March 2020 — With constant updates on the coronavirus and its impact on the United States, social media posts displaying frenzied buying, and closure of schools and other municipal buildings, it is easy to stress and feel coronavirus-related anxiety. As you monitor the news for the latest coronavirus developments in Palm Beach County, here are a few ways to make daily life under this changing landscape more bearable.

Try that new restaurant you were craving, via takeout or delivery of course

Many states and municipalities are enforcing early curfews or closing dine-in options altogether in the midst of the coronavirus. However, that does not mean you have to forego that delicious entree or amazing dessert you were craving. Go ahead and treat yourself to succulent food by perusing the different delivery options UberEats, Grubhub, and Delray’s own Delivery Dudes have to offer. Delivery Dudes and the like offer favorite, local restaurant options to enjoy if you are shacked up with the little ones and their homework duties, or neck deep with remote work.     

Go out for a beach walk

As government leaders encourage social distancing, this may be the best time to get in touch with nature and disconnect from the stress brought on by the coronavirus talks. MacArthur Beach State Park in North Palm Beach is the perfect place to stay six feet away from people and then some. Though events have been canceled, the park remains open until further notice and is encouraging beach walks. Dip your feet in the sand, stretch, and breathe in the Palm Beach air as you take a mental break from the news and other worries. 

Connect with others

In this particularly stressful period, it is easy to sulk and retreat from others, especially with talks of self-isolation and quarantine. However, the Substance Abuse and Mental Health Services Administration (SAMHSA) recommends to use this time to reach out to others who may also feel stressed and anxious due to the coronavirus pandemic. The administration recommends that reaching out to those you trust is one of the best ways to reduce anxiety, depression, loneliness and boredom during the possibility of social distancing, quarantine and isolation. SAMHSA recommends to use telephone, email, text or email messaging, as well as Skype and other video conferencing services to stay in touch with loved ones and friends. The administration recommends to maintain a hopeful and positive attitude during this time and to consider keeping a journal to write down grateful and positive thoughts. 

Family staycations:

Staycations have been part of the social conscience for some years, and now is the time to perfect the coveted family staycation. Use this time to have some fun with the entire family as schools and workplaces transition into online classes and remote work. Come up with an after-dinner family movie list or interactive project. Maybe it’s time to dust off those boardgames or old books littering the garage, and why not do some spring cleaning while you’re at it. Perhaps a family dance-off or storytelling competition could help break the monotony of being indoors and bring the family closer together. Try it out. With so much time indoors, it is the perfect time to enjoy family time in a totally new fashion. 

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For up-to-date advice on the Coronavirus response, you can check the CDC website here.  For Florida-specific information, click here

Spotlight On: Stephanie Immelman, CEO,  Delray Beach Chamber Of Commerce

Spotlight On: Stephanie Immelman, CEO, Delray Beach Chamber Of Commerce

By: Felipe Rivas

2 min read March 2020 — Once known as America’s most fun small town, Delray Beach is quickly transforming into a much bigger town with a more diverse local economy, while still maintaining its fun atmosphere. The Palm Beach healthcare and financial sectors continue to grow and solidify in cities like Delray Beach. The Delray Beach Chamber of Commerce is working closely with the business community to help diversify the economy further and continue to attract talent to Delray Beach, CEO Stephanie Immelman told Invest: Palm Beach. The city has not had problems attracting young talent due to its favorable tourism roots and fun atmosphere. With its diverse economy, the city is well-positioned for future growth as there is available land for new development outside of the Downtown area, Immelman said.

How is the chamber working with the business community to improve hiring in a tight labor market?

Delray is more than a tourism town, though we have built a reputation based on tourism. There is a lot of diversity here in terms of business. We have one of the largest automobile sectors in South Florida, for example. Also, our healthcare and financial services sectors are very strong. In terms of the tight job market, this year we are hosting job fairs. We have done job fairs for the automobile and hospitality and tourism sectors. We are working very closely with our business community and members to drive those people in Delray Beach who need jobs to the businesses that have them. That is a big focus for 2020. We want to make sure that the economy works for everybody. This will make our community stronger in the long run.


How have Delray’s demographics changed in the last few years?

We have not had a difficult time attracting young people to Delray Beach because of our tourism roots. We are known for being the most fun small town and that is attractive to young people. Today, you can work anywhere you want to. Financial advisers and managers from the Northeast are starting to relocate to the area because of their ability to work anywhere, for example. We have a lot of working spaces and incubators targeting entrepreneurs. Our economy started with tourism because we have a beautiful and charming town, but we are branching out and targeting entrepreneurs and businesses.


How is Delray preparing for future growth?

There are many places for the wealth to spread to. In our core Downtown area, the rents are really high, but there is a great deal of room to spread to other areas. There are many ways to make other areas in Delray as charming and amazing as Downtown. We are well-positioned for this growth in the county and South Florida in general. The city is hyper-focused on affordable housing. Any development in the region is going to have an affordable housing component. There is space to develop further.


In what new ways is the chamber connecting with the community?

We are really big on video. We have a weekly Delray Morning Live video show where we talk about what is happening in the city in the coming week. That has had a lot of traction and is doing very well. We want to expand it to culinary- and tourism-related content. We are all about communicating that way. It is important to create content and speak to people in a way that relates to them today. 


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Florida leaders monitor COVID-19

Florida leaders monitor COVID-19

By: Felipe Rivas

2 min read March 2020As an increasing number of countries experience outbreaks of the coronavirus, or COVID-19, Florida leaders are urging residents to stay calm despite two confirmed cases in the Sunshine State. Florida Gov. Ron DeSantis this week announced the Centers for Disease Control and Prevention (CDC) confirmed two people in Manatee and Hillsborough counties having tested positive for COVID-19, the Palm Beach Post reported. “Despite these cases, the overall immediate threat to the public remains low,” DeSantis said, according to the newspaper. State Surgeon General Dr. Scott Rivkees advised residents to stay calm. “You can go about your normal business,” he said. 


As of Tuesday, there have been 124 confirmed COVID-19 cases in the United States, according to the Johns Hopkins University Center for Systems Science and Engineering. While there have been no confirmed cases in Palm Beach, the county and municipalities are monitoring the situation closely. Town of Palm Beach officials, fire rescue personnel and law enforcement have been actively monitoring developments related to the Coronavirus since it was first discovered in Wuhan, China, the town of Palm Beach said in a press release.

The town of Palm Beach public safety personnel have reviewed and adjusted their emergency response plans in full compliance with CDC and the Florida Department of Health (FDOH) recommendations, and are prepared to handle any potential coronavirus impact in our community should it occur, the municipality announced. 

Currently, Palm Beach County schools function as normal, though the district is ramping up its cleaning methods in all schools, the Palm Beach Daily News reported. The district is buying additional bleach and wipes to disinfect surfaces throughout the school system. The cleaning initiative will be re-evaluated at the end of March “to determine if continued intensive cleaning is warranted,” the newspaper reported.

In its risk assessment, the CDC reports that most people in the United States will have little immediate risk of exposure to the virus. The COVID-19 virus is not spreading widely in the United States; however, updates are to follow, the CDC reported. There is no vaccine, so prevention is the best approach, the town of Palm Beach advised. The town recommended residents to wash hands often, avoid the touching of eyes, nose, and mouth as much as possible, and to seek out the flu shot if not done already, among other precautions.


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Palm Beach Returning to its Gaming Roots

Palm Beach Returning to its Gaming Roots

By: Sara Warden

2 min read February 2020 — IBM developed the first PC in Boca Raton and now the city is making a new effort to bring back the gamers. In 2021, Misfits Gaming Group will consolidate its North American presence with a new, $1.35-million, 18,000-square-foot headquarters in Boca Raton, Florida.


The Misfits organization owns teams that compete in League of Legends, CounterStrike: Global Offensive, Overwatch, Hearthstone: Heroes of Warcraft and Super Smash Bros. Founded in 2016, Forbes estimates the company’s value at $120 million and global esports revenues are estimated at $1.1 billion in 2019.

The Misfits Gaming Group will set up two Florida-based franchised esports teams, the Florida Mayhem and Florida Mutineers, through which it will run several large-scale esports events throughout the year, in addition to college tournaments and community events. These events can rake in millions, with eye-watering prize money. The winners of the Dota 2 esports tournament walked away with over $3 million each, as did the 2019 winners of the Fortnite World Cup. In comparison, the 2019 winners of Wimbledon, Novak Djokovic and Simona Halep, took home $2.9 million each.

One of the reasons Misfits chose Boca Raton for its new HQ is the business-friendly environment Florida provides – not to mention the generous tax breaks provided by the authorities. Local and state authorities will provide over $200,000 in grants and tax refunds in exchange for creating 30 new jobs with average salaries of $95,000.

“[Misfits] falls within a targeted industry sector for not only our county efforts, but state efforts as well,” said Kelly Smallridge, president and CEO of the Palm Beach County Business Development Board in an interview with Esport Observer. “Also, the fact that the jobs are high paid, much higher than the average of the county, which is $53,000.”

Florida is a surprisingly logical state in which to expand an esports empire. According to Enterprise Florida, the state has the nation’s third-largest tech industry and is a leader in high-tech employment, ranking No. 1 in the Southeast. Florida’s universities are one of the region’s largest producers of STEM graduates – in fact it is one of the largest generators of graduates entirely. And West Palm Beach has one of the highest concentrations of IT employees in the state.

The state is also a pioneer in connectivity, essential for any industry built around fast internet connections. The state has 61,000 total fiber miles, the third-most extensive statewide network in the United States. It also has 275 data center locations, the fourth-highest density among all U.S. states. 

Misfits certainly sees this potential in Florida, and in November launched a $10 million esports and gaming incubator and seed fund. “As the first esports and gaming-focused startup incubator and seed fund offering the resources of our caliber in North America, our goal is to create infrastructure for supporting and developing emerging business talent,” said Ben Spoont, CEO and Co-Founder of Misfits Gaming Group in a press release. “We want to help invest in the kind of ideas that will move our industry forward.”

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Growing Population Underpins Palm Beach Hospital Expansions

Growing Population Underpins Palm Beach Hospital Expansions

By: Sara Warden

2 min read February 2020 — Palm Beach’s population is growing and, with an increasing need for medical services, providers are getting innovative to avoid saturated doctors’ practices and hospitals. Last month, Florida overtook Texas as the No. 1 state for population growth, and West Palm Beach came in fifth in terms of growing cities. All this growth increases the need for infrastructure and services to serve the population.


The University of Miami announced this week it would be launching a concierge medicine program in Palm Beach that includes internal doctors and an on-site laboratory set to open in the fall. This would be the first UM medical systems concierge medical office in Palm Beach and would be located in 7,000 square meters of rented space at the Flagler Banyan Square mixed-use project.

Concierge services are an alternative to relieve the pressure from primary care providers. UHealth Premier services, for example, include an annual check-up, short waiting times, same or next-day appointments, and 24-hour phone contact with a doctor seven days a week, all for an annual membership fee. The clinic in West Palm Beach will specialize in urology, gastroenterology, cardiology, neurology and dermatology.

The news comes as Cleveland Clinic, Baptist Health and Joe DiMaggio Children’s Hospital also announced they would be expanding their presence in Palm Beach County by offering more services and locations for patients.

The Cleveland Clinic is reportedly considering building its own 50,000-square-meter facility in Downtown West Palm Beach, expanding from its current 7,400-square-foot practice in the Village Green Center in Wellington. It has reportedly made enquiries about a property on Okeechobee Boulevard, east of I-95.

NYU Langone Health also arrived in Palm Beach in November 2017 with its multispecialty ambulatory practice providing primary and cardiology care, often offering same-day appointments. “NYU Langone’s first Florida location in Delray Beach has been enthusiastically embraced by the community,” said Andrew Rubin, vice president, clinical affairs and ambulatory care at NYU Langone. “For this reason, we are extremely excited to introduce a second Florida practice in West Palm Beach to provide high-quality and personalized care to an even greater number of our patients who reside in Florida.”

Joe DiMaggio Children’s Hospital first expanded into Wellington with a 30,000-square-meter practice in 2019, but due to demand, it has already expanded its service offering, recruiting more doctors with specializations in disciplines such as cardiac and neurosurgery. “The demand for our outpatient rehabilitation services is well above our expectations,” said Caitlin Stella, managing director of the Joe DiMaggio Children’s Hospital to the Palm Beach Post. “We are bringing the more complex programs faster than expected.”


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