HeartBeat Fall 2015 | Page 3

Learn how Reckamp Farms has made customer satisfaction their number one goal through value-added agriculture. (l-r) Marilyn and Gene Reckamp, FCS Financial’s Stacy Ward. Cover photo: —(l-r) Marilyn, Dave, grandson Liam, Dave’s wife Marylin and Gene. Table of Contents Dave’s View..............................................4 Member Feature....................................6 Life is Simple........................................ 11 Dollars & Cents.................................... 12 Risk Management.............................. 14 News Briefs........................................... 16 Niven’s Notes........................................ 23 HEARTBEAT | FALL 2015 3