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The Cypress Compass

Navigating your financial future can be time consuming – but it doesn’t have to be. Check out The Cypress Compass publication, produced by our team of industry thought leaders. This quarterly publication brings you important topics all-in-one place. Here you’ll find financial market trends to keep you informed.

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Client Spotlight: El Cilantrillo — Hiram & Dianne Turull

Client Spotlight: El Cilantrillo — Hiram & Dianne Turull
Planting the Seeds of Financial Literacy Across Generations

At Cypress, we believe true financial success is not just about managing assets — it’s about passing on knowledge and values that build a legacy. Few embody this philosophy better than Hiram and Dianne Turull, co-founders of El Cilantrillo, who together have turned their family business into both a thriving restaurant brand and a real-world classroom for their children.

Hiram, a former banker with over 25 years in the industry, understands the power of financial literacy. But from day one, this has been a shared vision with Dianne by his side — equally dedicated to building not only a successful business, but a future for their family. Together, they have woven these lessons into the daily operations of El Cilantrillo, involving all five of their adult children in meaningful roles — from management and payroll to social media and direct customer engagement. It’s not just participation; it’s preparation for their future.

Hiram and Dianne teach their children to understand every corner of the business. From cash flow management to the cost of goods sold and labor, vendor negotiations, payroll, and daily expenses, they ensure their children see beyond the numbers and fully grasp the why behind every decision. “It’s about stepping back so they can step forward,” Hiram shares — a reminder that leadership is as much about trust as it is about control.

Their approach extends well beyond business operations. Hiram and Dianne emphasize the importance of personal financial responsibility, encouraging their children to budget wisely and understand the smart use of credit. They make it a point to teach that extra income is only as valuable as how well it is managed, reinforcing that every dollar should have a purpose.

What stands out most in their journey is their deep appreciation for partnership. Hiram reflects with genuine warmth, “Without my relationship with Maria and Mercedes at Cypress, I simply wouldn’t be where I am today. They’ve been more than bankers — they’ve been my trusted advisors, my sounding board, and my steady partners through every challenge and opportunity. They understand my family, my goals, and they’ve helped me build this dream with the same care as if it were their own.”

Their philosophy is simple yet powerful: treat banking as a partnership, not a transaction. Hiram and Dianne have taught their children that the right banking relationship is personal, built on trust and understanding, never just numbers on a spreadsheet. Their journey proves that when you work hand-in-hand with your bank, you build more than a business — you build a legacy.

The Turull family’s story is a shining example of what it means to grow a family business organically, with heart, humility, and a dedication to teaching that success is best shared. At Cypress, we’re proud to stand alongside leaders like Hiram and Dianne, who are building not just businesses, but legacies.

Breaking Barriers & Building Success: A Client Spotlight on Jessica Ciurzynski

Meet Jessica Ciurzynski, Chief Strategy Officer of Infrastructure Site Development. The construction industry has long been a male-dominated field, but leaders like Jessica are changing the narrative. With over 20 years of experience at the highest levels, Jessica has built a career that is not only about structures and developments but also about breaking barriers for women in the industry.

Her journey has been one of resilience and determination. Rising to a high-level executive role in construction meant navigating a path that often felt like a “lonely track” without mentorship or guidance. Recognizing this challenge, Jessica has made it her mission to support and mentor young women entering the industry. She is passionate about helping them realize their capabilities and pioneering their own paths with confidence.

Her leadership is rooted in action. Jessica has cultivated a culture of mentorship within her company and beyond, ensuring that women in operational roles, project management, and leadership positions have the support and guidance they need to succeed. She believes deeply in paying it forward, knowing that the next generation of women in construction will shape the industry in new and powerful ways.

At Cypress Bank & Trust, we are honored to work with business owners like Jessica who are not just building projects but also building people. She understands the value of strong relationships—whether in business, mentorship, or banking—and her dedication to uplifting those around her is something we deeply admire.

As a woman in the construction industry, I know firsthand how important it is to have the right people by your side. I’ve worked with Maria and Mercedes for over a decade, and I love being able to refer great clients to Cypress because I know they share my values. Business is personal, and just like I’m here for my clients, I know Cypress is here for theirs. It’s more than just financial services—it’s a relationship built on trust, integrity, and a commitment to helping others succeed.

– Jessica Ciurzynski, Chief Strategy Officer & Founder of Infrastructure Site Development and shebuilds.Infrastructure

*Shown here with her daughters

Women like Jessica are proof that leadership is about more than success—it’s about impact, about showing others what’s possible, and about creating lasting change.

The Compass Q4 2024

“History doesn’t repeat itself, but it often rhymes”
-Mark Twain

2024 was another banner year for the stock market. In a year that started with a 7.6 magnitude earthquake
hitting Japan and included continued armed conflict in Europe, a collapse of a major bridge in Baltimore, t
conviction of Crypto King Sam Bankman-Fried, devastating hurricanes, Iranian missile strikes on Israel along
with a small event called a presidential election the markets hit new highs over 55 times in 2024 in spite of all the disruptive events that took place.

READ JANUARY 2025 COMPASS

Vero Beach Ribbon Cutting & Holiday Kickoff Celebration!

We had a fantastic time celebrating the grand reopening of our newly remodeled Vero Beach office with a Ribbon Cutting & Holiday Kickoff Celebration! Thank you to everyone who joined us for an evening filled with delicious food, live music, and holiday cheer. It was a wonderful opportunity to connect with our community and welcome you all into our refreshed space. For those who couldn’t attend, we’d still love to connect with you and share in the holiday spirit. And don’t forget, our Santa for Seniors donation box will be in the office until mid-December for anyone who wishes to participate. Thank you for being part of the Cypress family!

 

The Compass Q3 2024

Is the Federal Reserve on the horns of a dilemma?

Ever since the Federal Reserve began raising interest rates in March of 2022 Wall Street pundits have been anticipating the eventual easing of interest rates by the Federal Reserve. Over the past twelve months the collective market punditry has speculated that the Federal Reserve will cut rates from zero to seven times this year. Now that the Federal Reserve has begun to cut interest rates at their last meeting in September two questions need to be asked:

  • Are additional rate cuts necessary?
  • If so, then how many?

READ OCTOBER 2024 COMPASS