Your local agent providing the Aflac benefit and service is Adam Roos (Milford). Aflac offers protection to families with a goal of reducing financial stress through income-loss and asset-loss protection. Aflac insures more than 50 million people. Aflac also offers different Supplemental Medical coverages. You can reach Adam at 712-330-4790 or adam_roos@us.aflac.com

Consumers Lumber Company is the only locally owned and operated building center in the area. They have been proudly serving the best builders and homeowners with the best materials and services since 1906.
They have locations in Spirit Lake and Spencer Iowa with a complete line of building materials and builder’s hardware. They also have full showrooms of millwork, stone, decking and cabinetry.
Dollars spent with Consumers Lumber stay in Dickinson and Clay counties. They support all the area schools and youth organizations along with several other community charities. Consumers Lumber Company is also very proud of the fact that their 15 employees have over 200 years of combined service to our company and that they all live, shop and play here.
They offer timely and accurate project bids and drawings to better serve the areas builders and homeowners. They also provide free and fast delivery to the four county area.

Talk about a fun place to shop--this is one of the best! The owners and staff (including Britt, the furniture dog) are so personable and welcoming that you'll find yourself hanging out in their store because it's so much like home (or what you'd like your home to be)! They have great furniture, rugs, lighting to fit any budget. They also sell vintage pieces which don't last long in the store! And plants, yes, they even have plants! Plan to spend some time when you come here because there's so much to see! Located at 3520 Hwy 71 South, Spirit Lake or go to midwestmodernfurniture.com.

Whether you want to sit and enjoy great live music or eat a juicy steak with a lobster tail, this is a great place to spend some time. They have great ownership accompanied by a great staff. You just cannot go wrong. Located in the center of the action on Broadway Street, you are within walking distance of Arnolds Park Amusement Park. You should definitely stop in, enjoy a nice meal and listen to some great music.

The harbor is a man made inlet located on the north end of West Lake. A board walk surrounds the harbor and this is one of the most tranquil parts of the lake. Homeowners in the harbor have a more affordable way to have access to West Lake, and still get to enjoy the clean waters West Lake has to offer. Homes in the Harbor typically range from about $350k to as much as $700k.

Saint Mary’s Catholic Church
1005 Hill Ave
Spirit Lake, IA 51360

Services
Saturday at 5 p.m. (confessions at 4:30 p.m.)
Sunday at 8:30 a.m. & 10:30 a.m.
Tuesday, Thursday - 5:30 p.m.
Wednesday - 9 a.m.
Friday - 12 p.m.

Arrowood is a year-round conference center and hotel with over 100 guest rooms, whirlpool suites and a "Great Room" for hosting group events and hospitality suites. Formerly known as Village East, the resort offers an outdoor pool, deck, playground, volleyball and croquet courts and a heated indoor pool area. Hotel goers can also enjoy an on-site salon, Minervas Bar and Eatery and lit parking. Located on Brooks National Golf Course, Arrowwood Resort offers some of the finest lodging around. Years ago, Brooks Golf Course clubhouse was actually housed on the rear side of Arrowood, but since then, the course has been converted to 27 holes with a a new separate clubhouse. Also, the Racquet Club was a part of the facility, offering workout facilities, racquet ball, and tennis. However, with the addition of the YMCA, the racquet club was unsustainable and converted into retail.

Build your new house on a nice and quiet Milford lot.

South Shore Estates is the newest lakeshore development on Lower Gar. Here you have access to West Lake, East Lake, Minnewashta, and Upper Gar.

I had the opportunity and privilege to work at Triggs for 4 years in my high school and college years. Jim Triggs and Mike May run one of the best family resorts in the Lakes Area. The resort has 48 condo style units that are continually updated and maintained immaculately. It truly is a family resort as most units are rented each week every year by the same families. People really begin to know each other and I had a great time getting to know all of the families better each year. We always looked forward to seeing them each year and catching up. Triggs offers boat/watercraft rentals, 4 gas docks, boat hoists for rent, an outdoor pool, a daily groomed beach, game room, and many more great amenities. If you are planning a vacation to Okoboji, I highly encourage you to call early and see if you can get a reservation at Triggs Bay Resort. You will not be disappointed.

Yesterdays Restaurant has been an Okoboji favorite and is only opened seasonally. Yesterdays has a complete dinner menu that features nightly specials. They have a wonderful martini menu that will not disappoint. Make sure to also make reservations in the Japanese Teppanyaki Room. Watch as asian inspired meals are prepared and served by your personal chef.

3401 Berquist Ave
Spirit Lake, IA 51360

Local hardware store in Spirit Lake owned by Gary & Peggy Fick & Cynthia Fick. The selection and the service are excellent at Ace Hardware, if you have a need they are quick at helping you find it. You can find Ace HW by going on Hwy 71 South from Walmart, it is located on the East side of the road at the 3rd stop light.

Open at 7:30 am Monday through Saturday and 10 am on Sunday.

Ace Hardware has more than 4,600 stores in 50 states and 70 countries. Each store is independently owned.

Tweeter's Bar & Grill a great casual restaurant in Okoboji, no matter what you're craving. Their extensive menu makes it easy for large groups to gather, and appeal to all tastes. Tweeter's offers catering, daily specials, and nightly features. Since they're open year round, Tweeter's is a favorite among locals, and tourists alike.

Memorial Park
300 Lake Street
Spirit Lake, IA 51360

Located on a huge property, this park was renovated in 2012 adding new playground equipment with areas designated for young kids and areas for older kids all wrapped around a Splash Pad that the kids just love.
2 shelters, including the Clayton Seeman Memorial Shelter house. Also, access to bike trails, walking paths and around 1,500 feet of East Lake Okoboji shoreline, 2 docks, 2 handicap-accessible piers and more.

Gilbert Park
601 Hill Ave
Spirit Lake, IA 51360

Located on a large piece of land, with green space for kids to play and 500 feet of East Lake Okoboji shoreline. Also available are a large shelter house, basketball court, 2 public floating docks, playground equipment park benches, picnic tables and handicap-accessible restrooms

Located in the Iowa Great Lakes, Okoboji - Underwater Solutions provides aquatic weed removal by hand pulling the roots or cutting. Shoreline clean up, ice recovery of snowmobiles and vehicles, underwater inspections & video, intake cleaning, bathymetry, scraping Zebra Mussels. Call them today at 712-260-7818.

Bomgaars
2201 Hwy 71
Spirit Lake, IA 51360

Bomgaars offers a great selection and a convenient location in Spirit Lake. Open at 7 am Monday through Saturday and 10 am on Sunday.

Bomgaars is great for pretty much any of your home improvement projects.

Gourmet Burgers, Spicy Chicken Thigh Sandwiches, Lobster Rolls on Friday & Saturday, Cubans, Hot Tots, Rosemary Sea Salt Fries, Beer Battered Cheese Curds, Scrumptious Milk Shakes, Crisp Salads, Huge Cookies & More!

Beautiful views and living on the lake without all the other commotion. Silver Lake in Ayrshire is a great place to find tranquility with every day life. Boating, fishing and friendly neighbors is what you will find in this hidden gem.

Minervas is located in the Arrowwood Resort in Okoboji. Their menu offers a little of everything! From classic pastas and aged steaks to seafood everyone will leave satisfied. They offer a great "Pick Two" option for lunch and the atmosphere is excellent. They also do a pasta night that seems to be a staple in the community. Getting to pick your sauce and everything that goes into your pasta which is then made right in front of you is certainly a treat for the whole family!

Goodies Handmade Candies is a small family-run business located in Spirit Lake, Iowa. Goodies has become a "must stop" place when visiting the area.
Goodies offers handmade candies, ice cream, coffee, and gifts. Each batch uses fresh quality ingredients and no added preservatives.
Customers from all over rave with remarks such as, "Goodies makes the best candies they have ever had."

At Winther, Stave & Co., LLP we use a team approach. You have a team of accounting professionals at your disposal, not just one person. With specialists in many different areas, we can draw on that breadth of knowledge and experience to help with services ranging from taxes, to payroll, to wealth preservation.

Urban Alley
321 Hwy 71 S
Arnolds Park, IA 51331

Urban Alley, with a great location just a short block away from the entrance to the Amusement Park area, offers repurposed home décor, vintage goods, handmade rag rugs, soy candles and more.

Follow Urban Alley on Facebook to see what they have for sale.

This new coffee shop is located in the Allure & Co. downtown Spirit Lake. They offer amazing coffee, smoothies and homemade baked goods. This is a great addition to the community!

True Value-downtown Milford
916 Okoboji Ave
Milford, IA 51351

Very convenient location, especially if you live South of the bridge and need something to fix something at your house? Whether it is electrical, hardware or plumbing, chances are good you can find it here. Also offer key cutting.

This Bar/Restaurant has an amazing selection of beers on tap and bottled to suit any beer drinkers needs. Nautical serves lunch & dinner and be sure to try the wings, which are made with homemade sauces and cooked to a crisp perfection. A great atmosphere in the heart of Arnolds Park.

Here's the scenario. You are building a house or remodeling your house. Material costs are up. Labor costs are up. You ask yourself, where can I save a buck? Before answering this question, you must be careful, especially if your home is located in an area where other quality homes are built, whether on the lake, off the lake, or in higher valued developments such as golf course developments, etc. Growing up in construction and with a plethora of new construction and remodels under my belt, let me share with you some of the easy things that your future buyers will recognize when they are looking for quality.
1. One of the first things buyers of higher end homes will look for is to determine if the owner used hollow core doors. It's an immediate sign that the seller was looking for ways to save money (where else then did they cut back that I can't see???)
2. The second most obvious is the counter tops. Did the sellers spend for a quality granite, quartz, or other hard surface, or was formica used?
3. The third item that might stick out is the cabinetry. Do the drawers have dovetail construction with hardwoods? Did they use "soft close" drawers? Are there pull outs for the pots and pans?
4. Flooring is an easy one also. Was laminate used, or is it engineered or hardwoods? Does the carpet convey a quality feel and plushness? Is there a nice thick pad underneath the carpet?
5. Though there are many other items to look at, cheap vs quality lighting and plumbing fixtures are probably the next major focus.

There is nothing wrong with with using lower cost materials, especially when trying to keep a project within budget, especially when trying to build more house for less money. Just be aware that most buyers looking to spend in excess of $300k for off lake homes and $500+ for East Lake chain homes, and $1M+ for West and Big Spirit will expect the very best materials and finishes.

Salon M Spa is an Aveda concept salon in Spencer. Located in the Southpark Mall, this upscale salon is sure to exceed your expectations. Salon M Spa's services include hair cuts, colors, highlights, updo's, and even extensions. They also offer waxing, manicures, pedicures, and spray tanning. As an Aveda salon, their mission is to be environmental leaders, by creating environmentally friendly products, and be environmentally conscious in the beauty world. Another cool thing about this salon, is that they are 99.9% paperless, which means you'll be handed an iPad, instead of a book or magazine. You can even bring your own ear buds to watch Netflix while you're getting your services done.

Check out Emmetsburg for your St. Patrick's Day celebration! You may just be surprised what a great location this is for some fun. It was even featured among the 10 most surprising places to celebrate St. Patty's!. See for yourself below!

I have had the privilege to get know Kristi Leigh over the last few years and her eye for design is second to none. JB Interiors founded in 2002, offers specialized interior design for both residential and commercial clients. Her office located in the heart of Okoboji displays a small fraction of her talent and ideas. Showcasing unique furniture, wall decor, rugs, lighting, and many interior design accessories. Kristi takes the overwhelming and challenging aspect of interior design and creates a space exactly as you have envisioned. Take a moment out of your day to stop by the studio, or check out her design and the new Okoboji Commons Hotel.

Specific Agent Insight description of pheasant hunting here........

If you're visiting the lakes area, and want to be pampered, Boji Toes gives the best pedicures in town! Also offering manicures, from traditional to shellac, as well as waxing, they really take pampering to the next level. I also know that they love to get male clients, and will even offer them a beer! Talk about great service!

We understand the importance of good dental hygiene and oral care and are committed to providing you the best care in a fun, pleasant environment. Using the latest technology, our experienced staff works together as a team to give you exceptional quality treatment from the time you walk in for your initial visit.

Choose from a variety of luxurious condominiums and hotel-style guest rooms. Bridges Bay Resort features the area's only indoor waterpark 'Boji Splash, featuring the Cantina which serves a variety of delicious food and beverages. Bring the boat in the summer and enjoy being right on the water or get away for the weekend in the winter months and let the kids enjoy the indoor waterpark!

Calling all Mexican food lovers! Los Lagos has a wide variety of authentic Mexican food to choose from. Come in and sit down in the large, open dining room with a full-service bar. They offer happy hour drink and food specials that are sure to please!

Omaha Beach is on the north end of Echo Bay, extending out into Omaha Point. Known for its secluded private access from Lakeshore Drive, Omaha Beach properties are some of the most sought after on West Lake, easily fetching over $15000 per linear foot of lakeshore.

Welcome to Big Açaí Okoboji, a local food truck offering healthy sorbet based bowls topped with granola, fruit, seeds/nuts and more. Go to their Facebook page: Big Açaí Bowls - Okoboji for their weekly locations/days/times.

Dixon Family Chiropractic is a clinic located on Hwy 9, east of Walmart, next to Pizza Ranch and has convenient hours.....open 6 days a week at 7:30 am, evenings and Saturdays. Formerly in the convenient health care building south of the 4 way stop in Spirit Lake, Wade and Adalee offer a friendly staff and professional services.

Kenue Park
2251 170th St
Okoboji, IA 51355

Located next door to the Dickinson County Nature Center, Kenue Park offers 40 acres of entertainment including picnic areas, hiking trails and a 18 hole disc golf course.

If you like to fish but don’t know the area or if you think you’d like to try fishing but don’t know where to start, give Great Lakes Guide Service a call. Shane is an avid fisherman. With over 20 years of experience as a professional Iowa fishing guide, he really knows the Iowa Great Lakes and how to find the fish. He has half day and full day options.

Arnold's Bark-ery and Grooming is a great place to take your fur babies for their "puppy spa day!' Not only do they offer grooming services but they have a great boutique full of yummy treats and accessories. You can even order certain treats for holidays!

Re*be is one of Iowa's finest varicose vein centers dedicated to addressing the health and cosmetic concerns of men and women using the latest and most-advanced medical treatments for various body conditions.
Re*be surgeons are highly experienced with specialized training in vein diagnosis and treatment. Dr. Ronald Kolegraff M.D., A.C.P., A.S.G.S. is a Board Certified General Surgeon and Board Certified Phlebologist.
The clinic provides friendly service in a patient-centered environment to ensure an experience that exceeds your expectations of personal care.
Rebe provides complimentary cosmetic consultation or complimentary vein screening.

Remington's in Okoboji has great appetizers, salads, sandwiches, steak and much more. Remington's also has daily lunch and dinner specials. Happy Hour Mon - Fri 4pm - 6pm with free popcorn. Saturday is "Game Day" 11am - 4pm with drink and appetizer specials. Lunch and dinner reservations are taken, along with large group reservations with seating up to 150 people. Remington's offers a semi-private dining room that seats 50 people.

The Clubhouse
2501 Boji Bend Dr
Milford, IA 51351

The Clubhouse is a smaller, comfortable restaurant with great food and a good atmosphere and even better food. There is a full bar, TV’s for the games, access to the pool area and inside and outside seating.

One of the area's best! The Outrigger serves fine food with an elegant, charming atmosphere. The menu has a variety of food options, but the Outrigger is well-known for their steak and seafood. Weekend specials are offered as well as prime rib on Friday and Saturday nights. A great neighborhood bar and restaurant!

Union Memorial Church- United Methodist
805 Okoboji Ave
Milford, IA 51351

Services
Sunday at 9:30 a.m.

Substance Abuse Services Based on the 12 Step Model.
Employing the Recovery-Oriented Systems of Care.
Person-Centered Therapy
State Licensed

You can't come to the Lakes Area, and not go to Arnolds Perk. This whimiscal little coffee shops is always very busy in the summers, and rightfully so; their coffee is amazing! They also have breakfast, lunch, and their ever famous cupcakes, along with their coffee drinks. Located just across the street from the Arnolds Park amusement park, its the perfect place to stop at on your vacation in the mornings!

Woodys Pizza is the oldest existing pizza restaurant in Northwest Iowa. In 1961, Woody and Mae Condon started their first restaurant in Estherville, with four tables, an eight seat counter and carry-out service. There was no alcohol served. It became a gathering place for the young people of Estherville.
In 1980 they sold their restaurant to their son, Anthony, he and his family operated Woody's for over 30 years. On Jan. 1, 2018, Dave and Tasha Welch of Estherville are the new owners.
Now, Dave & Tasha are thrilled to be taking the reins to continue not only bringing you great tasting pizza with the original famous recipe, but to bring you excellent service as a family-run business Estherville can be proud of.
Dine in or Call 712-362-5610 for Carry Out and Delivery!

For the outdoorsmen that like to go track a pheasant, once again, you’ve come to the right place. The conditions and habitat in this area allow upland game populations to thrive. There is a vast amount of state land as well as private land prime for pheasant hunting. Season runs from October 29 to January 10