Boerne Business Monthly – April 2021

Volume 13, Issue 10: April 2021

BRINGING BEAUTY TO OUTDOOR ENVIRONMENTS BUSINESS SUCCESSION PLANNING

NEW BUSINESS INCUBATOR CLASS BRINGS REAL WORLD EXPERIENCE

LOCAL NEWS AND INFO

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Hello

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Well it looks like spring has officially sprung! The weather is warming, the sun is shining and the wild flowers are beginning to bloom.

The Calendar of Events is filling up with more and more local events and it appears that our sweet town is coming back to life – what an exciting time!

As we all begin to spend a bit more time outdoors, we start to think about how to improve our own outdoor spaces. Are you are a do-ityourselfer or do you prefer the help of an expert when it comes to your landscaping and outdoor environment? This month we feature Agave Design Studio. This local design/build landscaping company, owned by Keith and Vanessa Brady, aims to provide its clients with one source for all facets of their exterior landscape projects. Read all about them starting on page 16.

I am also excited to share with you an exciting new class being offered by BISD to local high school students where they participate in a real-life Shark

Tank-like experience. The students create their own small businesses based on a problem they think needs to be solved and then present it to a panel of judges while competing for prize and scholarship money! Learn more on page 8.

As always, we have filled our pages with plenty of helpful advice from local experts and lots of local news and info. I hope you have a great April!

Lauren Stumberg Owner/Publisher

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B oerne B usiness M onthly | April 2021

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April contents 30

10 16

08: boerne isd incubatoredu:

Local Students Get Real World Small Business Experience through New Class Offering

10: calendar 14: ribbon cuttings 16: cover feature

Agave Design Studio: Bringing Beauty to Outdoor Environments

21: income

Lonestar State’s Personal Income Grew Amid Pandemic

22: planning

Business Owner’s Succession Planning article by Richard Barkley – Prime Capital Investment Advisors

16 28: loans

Borrowing: Striking a Balance for Your Business article courtesy of United Texas Federal Credit Union

30: real estate

Urban Buyers Stampede to Rural Texas

cover photo by: Pritchett Photography Boerne Business Monthly is published by Distinct Media, LLC, copyright 2021. Reproduction is strictly prohibited without prior consent of the publisher.

Opinions expressed in Boerne Business Monthly are those of the writers or sources and do not necessarily represent the views of the publisher, nor do they constitute the endorsement of products or services herein. Although the information and recommendations in this publication have been compiled from sources believed to be reliable, Boerne Business Monthly makes no guarantee as to, and assumes no responsibility for, the correctness, sufficiency or completeness of such information and recommendations.

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B oerne B usiness M onthly | April 2021

boernebusinessmonthly.com

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boerne isd

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Local Students Get Real World Small Business Experience through New Class Offering

Do you love watching Shark Tank? It’s so exciting seeing the new products and businesses that these creative individuals have come up with! Will they get a deal and be on the road to success or will their product fail to impress the judges and they’ll be sent home disappointed?

This school year, Boerne ISD has created its very own version of Shark Tank with its high school Business Incubator class! In this class, talented and creative students from Boerne High School, Champion High School and the BISD Virtual Campus all come together to participate in this fun environment that gives them the tools to both create a product and launch a business!

Coach Jennifer Breuer teaches the Business Incubator class and guides the students along their journey of becoming young entrepreneurs. “The students are broken into small groups and challenged with the task of finding a problem and then coming up with a solution to that problem. The result is that each group will then create a business out of this process,” said Breuer.

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Each group has two mentors from the local community that guide them along the way. In addition to the mentors, there are also coaches, such as CPAs, attorneys and other professionals with specialties that come in and help the students with topics they need to know to successfully start and run a business.

“The community has been so helpful to these students,” added Breuer. “From all of the help we have received from the mentors and the coaches and Jefferson Bank was so generous as to give each of the four groups $500 that they could use for things they needed to get their businesses started like website domain names, hosting packages and email marketing services to be able to get their products online and in front of real customers!”

This is the first year for the Business Incubator class, but Breuer hopes that as the program grows there will be an expansion of the class to also include a Business Accelerator class that would follow Incubator where the students could continue to grow and develop their businesses.

Currently there are four groups in the class and the

PITCH N IGHT IS THURSDAY, APRIL 29TH, 2021 @ 6PM CHAM PION H IGH SCHOOL AUDITORIUM B oerne B usiness M onthly | April 2021

students have come up with ideas for Vandangles, which is a jewelry business, Port-a-Plate to solve those pesky eating in the car problems, AceMade that has created a gravity-fed magnetic golf ball dispenser for your golf cart, and Sole Cold that is making inserts for athlete’s shoes to deflect the heat of the hot turf. “Each group has really put in the time, effort and research needed to see their businesses succeed. It is rewarding to watch as these kids create their very own small businesses from the ground up,” added Breuer.

As for the students, all of who are enrolled in the Business Pathway at BISD, they say that they wanted to take the class to gain realistic application of starting and running a small business. They know that getting to have this real world business experience will be invaluable to them for their future.

The end result of the Business Incubator class is a reallife Shark Tank-like experience. On April 29th, the students will present their businesses in front of a live audience and a panel of judges where they will compete for cash prizes and scholarships that have so generously been donated by local sponsors! BBM

**THE BUSINESS INCUBATOR CLASS IS STILL FUNDRAISING FOR THEIR BIG EVENT! If you would like to contribute please contact Jennifer Breuer at jennifer.breuer@boerneisd.net

PICTURES (top to bottom): Some of the Incubatoredu students and Coach Jennifer Breuer; the Vandangles website; Port-a-Plate prototype rendering; AceMade prototype.

boernebusinessmonthly.com

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APRIL EVERY SATURDAY A DAY AT THE FARM 9:00am to 1:00pm Historic Herff Farm | 33 Herff Rd – Boerne The Farmers Market at the Herff Farm is an openair farmers market on the historic Herff Farm.You can buy products directly from local growers, ranchers, and crafters on a beautiful historic German farmstead in the Texas Hill Country. Explore their fenced gardens, pollinator meadow, and trails, and see the historic limestone Herff House.They have events and programs throughout the year during the market including Yoga and Barre-Blend outdoor fitness classes, a monthly gardening workshop, Little Explorers outdoor adventures for young children, guided hikes, live music, and more!

Calendar of Events

APRIL 1 GBCC RIBBON CUTTING FOR TOUR DE BOERNE 1:30pm to 2:00pm Don Strange Ranch 103 Waring Welfare Rd. – Boerne Tour de Boerne is a bike ride that will take you through the beautiful Texas Hill Country.Towns included in the routes are Boerne, Waring, Welfare, Luckenbach, Sisterdale and Comfort.You will be challenged along the way and welcomed back to Don Strange Ranch for a BBQ meal, cold craft beer and great conversation.Tour de Boerne is a 501(c) (3) nonprofit organization.They are a Christian organization dedicated to giving back to those in the Boerne community who are in need.This year, Tour de Boerne plans to support Boerne YMCA, Hill Country Boys and Girls Club, Blessings in a Backpack and Coats for Kids.The Tour de Boerne is scheduled for June 26, 2021!

EVERY THURSDAY MARKET AT TUSCULUM 4:00pm to 8:00pm | Tusculum Brewing Company 236 S. Main – Boerne,Texas Tusculum Brewing Company includes a brewery, taproom, and light fare! They offer beer made in house, sourced wine, champagne and cider.

BOERNE AFTER 5 MIXER: CELEBRATING NATIVE PLANT MONTH & THE MAYOR'S MONARCH PLEDGE 5:00pm to 7:00pm The Boerne Visitor's Center

282 N. Main St. – Boerne APRIL 3 FIRST SATURDAY: LATE NIGHT SHOPPING 5:00pm to 8:00pm | The Hill Country Mile Sip, Shop, Savor on the Hill Country Mile!

Retailers will be open until 8:00 pm or later on the first Saturday of each month in April, May, June.

Bring your friends and family to enjoy evenings in downtown Boerne. Shop, dine, drink, and stay LOCAL! APRIL 4 EASTER APRIL 6 GBCC RIBBON CUTTING FOR ROC N RITA'S GRAND OPENING 1:30pm to 2:00pm 112 E. San Antonio Ave – Boerne Roc N Rita's offers high quality Margaritas, Pina Colada's and a variety of specialty flavors. In addition to margaritas, they also sell beer, wine and summertime mimosas. Stop by and check out Roc N Rita's 50's vibe while sipping on one of your favorite frosty beverages! continued on page 20

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Call Us Today to Schedule an Appointment: BOERNE 134 Menger Springs, Suite 1210 Boerne, TX 78006

(210) 545-7171

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B oerne B usiness M onthly | April 2021

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FOR SALE:

25 SHOOTING CLUB DRIVE – $1,600,000

Beautiful property in great location! Minutes to IH-10 and walking distance to Main Street Boerne! 2 houses! 3.577 acres! Barn/workshop. Room to expand and add house, pool, garages, etc. Must allow 24 hours notice for appointment to view!

NEW LISTING!

532 S. GRAYTOWN ROAD | ST. HEDWIG, TX – $749,000

2255 sq. ft., 3 bed / 2.5 bath beautiful rock home on 16+/- acres, located approx 5 mi to loop 1604.

FOR LEASE: NEW LISTING!

101 MUSTANG RUN

3 bed, 2.5 bath on corner lot. Approx. 2320 s.f. of living area. Beautiful fenced back yard. $1950

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209 HORSE HILL

4 beds, 2.5 baths approx 2317 sf of living area.

Located in the Trails of Herff of Ranch subdivision.

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611 GRAHAM STREET

3 bed, 1.5 bath on large lot in highly desirable area!

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MORE PROPERTIES COMING THROUGHOUT THE MONTH...

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CAREY STEWART SUZANNE MCGINNIS BRETTE NICKELSON (830) 377-5227 (210) 551-2883 (210) 213-8222

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ribbon cuttings

Greater Boerne Chamber of Commerce March 2021 Ribbon Cuttings

CHICK-FIL-A LEON SPRINGS GROUNDBREAKING Thank you to everyone who joined us for a special Ground Breaking ceremony celebrating Chick-fil-A Leon Springs officially breaking ground on their new location at 24549 W I-10, San Antonio (Leon Springs)! We are so excited to welcome Chick-fil-A to our community and are looking forward to their Grand Opening on August 19, 2021! Chick-fil-A will be located in front of Spec’s and in between Walmart and Bank of America. The building will be 5000 sq. ft. and will employ over 175 team members, which will be the largest Chick-fil-A location to date! Joshua Cunningham and his team can’t wait to bring Chickfil-A’s remarkable service and unbeatable customer experience to the Leon Springs/Boerne area very soon. Help us welcome them to our Community!

BOERNE VISION CENTER AT FAIR OAKS’ GRAND OPENING We had a great afternoon getting to celebrate Boerne Vision Center at Fair Oaks’ Grand Opening ceremony their new location at 27511 IH 10 W, STE 401, Boerne! Since 2012, Boerne Vision Center has been a preferred provider of comprehensive personalized vision examinations and services to patients in Boerne, Fair Oaks and the Surrounding areas. When you schedule an appointment with Boerne Vision Center they give your vision the level of care and attention it deserves. They offer comprehensive eye exams, contact lenses fitting, glasses, etc. The Boerne Vision Center team is amazing and ready to serve all your vision needs! Go to boernevisioncenter.com or call 830-460-3104 to learn more.

MAINLY VINTAGE’S GRAND OPENING We had a great afternoon getting to kickoff the Grand Opening ceremony at Mainly Vintage with a special ribbon cutting ceremony! At Mainly Vintage, they search high and low to bring their customers unique home décor and gift items. This charming shop offers vintage and rescued furniture, antiques, and new or vintage home décor. They have it all and are so excited to serve our community with beautiful vintage décor! Mainly Vintage is located at 438 S. Main St. Stop by and join them tonight until 8 pm and follow them on Facebook at facebook. com/mainlyvintageboerne or on Instagram to help share the love to this new business in town!

ANYTIME FITNESS BOERNE We had a great morning officially welcoming Anytime Fitness Boerne into the chamber with a special ribbon cutting ceremony! Anytime Fitness is a 24-hour gym located in Boerne, Texas. The fitness center is here to fit your busy lifestyle and is convenient, affordable and friendly. They offer personal training and group classes every day of the week to fit your personal needs. Give Anytime Fitness Boerne a call at 8(30) 816-5000 or stop by and visit them today at 1081 River Rd. to learn more! You can also visit them online at anytimefitness.com.

DON’S & BEN’S LIQUOR We had a wonderful morning celebrating and welcoming Dons & Bens Liquor into our Chamber with a special ribbon cutting ceremony! For more than 75 years now, Don’s & Ben’s have served our Texas community with beer, wine and spirits. They now have 31 locations scattered “all over town” in the San Antonio and Hill Country area and have become a staple in the community. The Don’s & Ben’s Liquor Boerne location is locally owned and operated, you’re invited to stop by, shop the huge selection of beers, wine and spirits and continue to support local!

Don’s & Ben’s is located at 1433 S. Main St. Boerne, Texas. You can also go online at donsandbens.com for more information.

RICHTER BAUHAUS ICE CREAM We had a great time celebrating the new addition of Ice Cream at Richter Boerne’s Bakhaus! Richter Bakhaus is the home of the famous Flynn Roll, Richter cuisine, elegantly crafted cocktails and now ICE CREAM! Yes, that’s right Richter Bakhaus is now selling delicious homemade ice cream! They will have many delicious flavors including Pina Colada, Berries and Bubbly, Dulce De Leche, Strawberries and Lime, Hibiscus lime, Toasted Coconut, Mango, Thai Tea and Green Tea Matcha. They will offer these as cups, cones, or ice cream cookies. Stop by and check it out at 153 S. Main St. Boerne, Texas.

Feel free to go online richterboerne.com to view more about Richter Boerne.

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LAS GUITARRAS COCINA MEXICANA The Boerne Chamber celebrated and welcomed Las Guitarras Cocina Mexicana Restaurant with a special ribbon cutting ceremony! Las Guitarras Cocina Mexicana was created to introduce you to what the true heart of fine Mexican Cuisine is all about. They use distinct blends of spices, seasonings and vibrant colors creating a beautiful presentation taking you back to ancient culinary treasures given to us by our ancestors. Las Guitarras is not only about food, but also about music, dance and culture.

When you dine with Las Guitarras you will also experience the unique time-traveling ambiance of fine Spanish Guitar and the sounds of Flamenco. They also have an amazing space upstairs perfect for your private party! The space capacity is 120 guest and has a dance floor and private facilities. Stop by and try out some delicious homemade, authentic Mexican Cuisine tonight! Las Guitarras Cocina Mexicana is located at 911 S. Main St. Boerne, TX and view their menu online lasguitarrasfinecuisine.com.

MOVING BOLDLY INTO 2021!

AWARD WINNER!

Renee Campbell (210) 542-0148 WS&P INSURANCE - WALTHALL SACHSE & PIPES We had a great afternoon celebrating and welcoming WS&P Insurance - Walthall Sachse & Pipes Inc. to the Chamber with a ribbon cutting ceremony! WS&P Insurance is an independent insurance agency that has been serving Texas since 1973. As an independent insurance agency, they have access to over 80 carriers and brokers to fulfill your insurance needs. At Walthall Sachse & Pipes, each client is given a dedicated team of experts with more than 400 years of combined industry experience to proficiently work alongside you to tailor your insurance program. Learn more at by calling (210) 384-0000 or visiting their website wspinsurance.com!

Jim Campbell (210) 838-1896

Steven Karam (210) 414-0105

Wiley & Kathy Cloud, Brokers (210) 710-6601 | (325) 347-7693

Real Estate Office:

(830) 755-8693 FACEBOOK.COM/ BOERNEBUSINESSMONTHLY INSTAGRAM @BOERNEBUSINESSMONTHLY

let’s be friends!

CHECK OUT PROPERTY TAX INFO AND OTHER QUICK BLOGS & VIDEO AT TEXASHILLCOUNTRYREALTYCO.COM boernebusinessmonthly.com

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cover feature

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BRINGING BEAUTY TO OUTDOOR ENVIRONMENTS

When Keith Brady began mowing lawns for his neighbors at the age of fourteen, he had no idea of the impact it would have on his future. “I started with nothing but a skateboard and a selfpropelled Snapper lawn mower,” mused Brady. “A year later I transported my push mower in the back of a hand-me-down Nissan 280z hatchback. I didn’t have my driver’s license yet, so my parents restricted me to a radius around our house. I would pop the hatch, load my mower and go do my route.”

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Brady learned at an early age the ups and downs that come with the business of landscaping. “It is a business with many variables, many that are out of our control. We have the weather, growing organisms and passionate property owners to name a few,” Brady added. However, none of these factors stopped Brady from starting a lawn care operation from the ground up.

After high school, Keith took a break from landscaping while he pursued an associate’s degree from Lamar University. He

pictured (left to right): Ty Hall, Teri Frotchel and Vanessa and Keith Brady | photo by Ron Pritchett

B oerne B usiness M onthly | April 2021

specialized in the testing and balancing of heating, ventilation and air conditioning systems. In 2001, Brady found himself living in Boerne, but traveled often for major commercial mechanical inspections. “On weekends when I wasn’t traveling I began doing lawn maintenance again.

I suppose I returned to my roots and eventually my side business turned into a full-time gig,” said Brady.

To get started, Keith bought a trailer and some equipment from a landscape contractor. He operated for a full year with one full-time employee plus the help of a few college kids. After a year, he expanded the business with the addition of a second truck. According to Brady, “As the economy began to improve after 9/11, we were able to progress from basic landscape maintenance to lot clearing and full-fledged landscaping.”

As the Boerne area grew, so did Brady’s landscaping business. With the addition of more and more commercial clients, as well as a shift in his business to offer more of a design/build service to his clients, Keith decided to take his landscape design and installation business to new heights with the creation of Agave Design Studio. “I was able to transfer the lawn maintenance portion of my business to another local company that took over Brady’s Landscaping.

This transition was good for my former maintenance clients because I knew they would still be in good hands, but also for my new design/build customers because we have a trusted source we can refer them to for the upkeep of their new projects.”

Agave Design Studio is a full-fledged landscape design and build company, the goal of which is to provide the client with one source for all facets of the exterior landscape of a project. Doing so not only simplifies the process for the client, but results in a more cohesive end result. “We meet with the homeowners or the builders, depending on the project, and get involved in creating that outdoor environment. We hold our client’s hand through both the planning and execution of the design,” said Brady. “From pools and driveways to custom entertainment areas such as washer pits, bocci ball courts and even horse facilities. We create environments that take outdoor spaces to the next level.” Agave offers both residential landscaping and commercial applications such as business parks and even single family developments where they design the entrances to subdivisions, the common areas or the amenities centers. Agave Design Studio can handle it all.

Each project is a custom, unique design by a licensed landscape architect, which continues through a professional installation managed by a seasoned landscape continued on page 18

boernebusinessmonthly.com

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continued from page 17

For almost two decades, Keith Brady has offered superior client service throughout the hill country. “While our business may be a bit different or on a grander scale than when we first started, our commitment to see our clients completely satisfied has always remained the same,” asserted Brady. “Come rain or shine, we see our projects through to completion and are proud of the final results!” BBM

WWW.AGAVEDS.COM specialist. Ty Hall is Agave’s Senior Landscape Architect and Teri Frotchel handles the Client Relations. Elijah Guerrero serves as the project manager, and along with Keith Brady and his wife Vanessa, they all come together to form a great team!

According to Keith, “I really enjoy visiting with the clients and helping their desires come to fruition. I could talk for hours about what they want from their property. Our team is really able to feed off of their excitement and take that vision and create something really special for them. It is amazing to see those beautiful end results and realize that all of the hard work that has been put in by every member of our team has really paid off.”

9 Spanish Pass Road – Boerne (830) 249-4016

Shown here, an Agave Design Studio project from concept to completion

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B oerne B usiness M onthly | April 2021

RESIDENTIAL | LOTS AND LAND | FARM AND RANCH | COMMERCIAL

Your Trusted Source for Real Estate in the Texas Hill Country!

James Campbell REALTOR®

www.texashillcountryrealtyco.com www.newhomesinhillcountry.com

jim@texashillcountryrealtyco.com

210.838.1896

Performance is Our Priority ~ Locally Owned ~ Nationally Recognized Stephen V. Vallone CEO, Escrow Officer steve@texasinvestorstitle.com Becky Edmiston, CESP President, Escrow Officer becky@texasinvestorstitle.com Office: (830) 816-5888 www.TexasInvestorsTitle.com Boerne Office: 116 W. Blanco Rd., Suite 101, Boerne, Texas 78006 Houston Branch: 10000 Memorial Dr. Suite 100-N Houston, Texas 77024 Representing Stewart Title Guaranty, First American Title Insurance and Chicago Title Insurance

COMMERCIAL ~ RANCHES ~ RESIDENTIAL PROPERTIES boernebusinessmonthly.com

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CALENDAR OF EVENTS | cont’d APRIL 8 DOG & PONY DIVA NIGHT PREPARTY 4:00pm to 7:00pm 1481 S. Main Street – Boerne Calling all Divas! Come by and try some of their new wines before you head down Main Street.

They’re excited to have Marcy Grace join the PreParty too!

SPRING DIVA NIGHT: PRESENTED BY RBFCU 5:00pm to 8:00pm Downtown Boerne The best girl's night out in Downtown Boerne is back! Spring Diva Night will be bursting with everything you love from your favorite shops: later shopping hours, cocktails, delicious bites, music, and more! Come out and support local with a night of shopping and fun!

APRIL 9 -10 10TH ANNIVERSARY ART SHOW & SALE! April 9th:10am to 6pm; April 10th: 10am to 8pm Texas Treasures Fine Art 605 S. Main St. – Boerne Live music, food, an open bar, and of course, the 10 Year Celebration!!

Friendly, Done Right.

Why United Texas?

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Kris Boiles  210.561.4764  krisb@utxcu.com David Gray  210.561.4578  davidg@utxcu.com 1440 South Main  utxcu.com

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B oerne B usiness M onthly | April 2021

APRIL 9 to 25 "BLACK TIE", A COMEDY BY A.R. GURNEY Boerne Community Theatre 907 E. Blanco Rd. – Boerne A comedy about a culture clash when a traditional family plans a wedding rehearsal dinner for their son but the unconventional bride has other ideas.

Boernetheatre.org for tickets and showtimes.

APRIL 10 FAMILY FITNESS FUN 10:00am to 11:00am PHPL lawn/patio behind Youth & Family 451 North Main Street – Boerne Get fit and have fun with the team from the Boerne Family YMCA. Enjoy loads of activities on the back lawn of the library.

KCFA 8TH ANNUAL COMMUNITY GARAGE SALE 8:00am to 3:00pm 1307 River Rd. – Boerne 8th Annual Community Garage Sale Inside and Outside Vendor Booths Food Truck On Site ATM On Site APRIL 10 & 24 BLUEGRASS JAM AT THE AGRICULTURAL 11:00am to 1:00pm The AgriCultural Museum 102 City Park Road – Boerne Every second and fourth Saturday of the month, bring your instrument and play along, or just come to listen to the Bluegrass Jam at The AgriCultural!

This event is free and open to the public.

continued on page 25

income

Lone Star personal income grew amid pandemic

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Texas' personal income increased 5.1 percent in 2020, according to the U.S. Bureau of Economic Analysis (BEA).

Last year, the state's pe​​​r capita personal income increased to $54,841 from $52,829 in 2019. Texas' income ranks 28th nationally.

Transfer receipts increased by 38.2 percent in 2020, making it the leading contributor to personal income growth.

According to the BEA, the increases in transfer receipts include new government relief payments provided by the Coronavirus Aid, Relief, and Economic Security Act, including the $600 increase in weekly unemployment benefits and the $1,200 economic impact payments for individuals.

Personal income grew in all U.S. states and the District of Columbia. Nationally, real per capita personal income grew 6.1 percent in 2020. BBM

- MARK TWAIN

MARK BUKOWSKI

Director of Land and Ranch

c. 719.650.7012 mark@legacybrokergroup.com

SPECIALIZING IN FINE TEXAS PROPERTIES, COMMERCIAL, EXOTIC, RANCH & LUXURY

CHARLIE RIDDLE

Director of Commercial Real Estate

c. 210.383.0007 charlie@legacybrokergroup.com

LEGACYBROKERGROUP.COM

Information courtesy of U.S. Bureau of Economic Analysis & Texas Real Estate Research Center

movi e i n th e park is back!

The annual outdoor movie series is back this year!

Head out to Main Plaza on April 30th.

Activities start at 7 p.m. and Toy Story 4 will begin at sundown. boernebusinessmonthly.com

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planning

BUSINESS OWNER’S SUCCESSION PLANNING

B

Business owners will transition out of their business sooner or later whether planned or not. The tax consequence in this transfer is constantly changing and should be addressed on a regular basis by Financial, Tax and Estate Planning Advisors.

A significant liquidity event, such as the sale of highly appreciated stocks or disposition of your interest in a business, can be the happy culmination of many years of effort, stress and patience. Congratulations, your ship has finally come in! However, capital gains can take a major bite out of your net proceeds from the transaction. Planning for and managing the impact of that bite now can lessen its impact on your capital going forward.

With new fiscal policies brewing in Washington which may signal an increase in tax rates, especially for high earners, tax and financial planning has moved to the forefront. In close consultation with your tax advisor, developing a plan for managing the tax bite of your liquidity event is paramount. Writing checks is a sobering reminder that it’s not just about how much you made, but what you can hold on to.

There’s no better time than now to be thinking about capital gain tax planning. One strategy to consider is the following “harvesting” of capital losses: • Investors have been paying tens of billions to hundred of billions in capital gains taxes annually of late. How much of that could have been deferred or even avoided?

• Does your investment strategy enable you to systematically capture significant tax benefits which can be used to offset capital gains in the current and/or future years?

• Not capturing these benefits is a missed opportunity. The best time to start “harvesting” capital losses is January 1st. The second-best time to start is right now.

Under current regulations, capital losses accrued during a given year can generally be used to offset capital gains realized during that

22

year. Once the capital gains have been exhausted, remaining capital losses can be used to offset up to $3,000 of ordinary income. What remains after that can typically be carried forward to use against realized capital gains in future years.

Utilizing an investment strategy which 1) provides index-like exposure while 2) proactively “harvesting” capital losses when components of the portfolio even just temporarily fall below their cost – virtually inevitable with indexed investments – can be a great way to stockpile capital loss carryforwards.

This isn’t to say that such an investment strategy is trying to lose value. It is merely attempting to track the designated index. Within any investment index, there will inevitably be components which decline in value at times. It is at those times that the tax-aware investment manager will “swap” into similar but not identical components to maintain exposure while locking in the capital loss.

This transition should be correlated to your financial plan which is tied to your wealth gap. The tax payments will then affect your succession plan which then is tied to the value of your company and ultimately your net worth.

Once again, the transfer of your business will definitely happen. Please reach out to Prime Capital Investment Advisors here in Boerne to discuss the many angles and strategies available to plan for, probably, one of the most impactful transitions of your life. BBM

RICHARD BARKLEY

Financial Advisor | Certified Valuation Analyst (CVA) 616 E. Blanco, Suite 201-A Boerne, TX 78006 (830) 816-5131 rbarkley@pciawealth.com

Advisory services offered through Prime Capital Investment Advisors, LLC. (“PCIA”), a Registered Investment Adviser. PCIA: 6201 College Blvd., 7th Floor, Overland Park, KS 66211. PCIA doing business as Qualified Plan Advisors (“QPA”) and Prime Capital Wealth Management (“PCWM”).

B oerne B usiness M onthly | April 2021

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CALENDAR OF EVENTS | cont’d APRIL 10 KUHLMANN-KING MUSEUM TOUR + CHICKEN POOP BINGO 12:00pm to 3:00pm Kuhlmann-King Museum 402 E. Blanco Road – Boerne Have some good Texas chicken poop bingo fun and support the preservation efforts of the Boerne Area Historic Preservation Society! BAHPS is a not for profit that maintains the Kuhlmann-King Museum as well as provides education outreach in the schools and community. Music and museum tours are included!

APRIL 10-11 BOERNE MARKET DAYS Saturday 10:00am to 5:00pm Sunday 10:00am to 4:00pm Main Plaza | 100 N. Main St. – Boerne On the second weekend of every month hundreds of festive booths display everything from collectibles and remembrances of the past to modern innovations that will bring a smile of wonder to those who stroll past.

APRIL 12 KENDALL COUNTY COMMISSIONERS COURT 9:00am to 11:00am Kendall County Courthouse 201 E. San Antonio Ave. – Boerne APRIL 13 GBCC RIBBON CUTTING FOR NEXMOV 11:30am to 12:00pm 121 S. Main St. – Boerne NEWMOV provides a fresh change to traditional moving. Their team of women take a "concierge" approach providing white glove personalized services.

GBCC RIBBON CUTTING FOR CIBOLO FAMILY MEDICINE 1:30pm to 2:00pm 211 N. Main St. – Boerne Celebrating Dr. Ashley Sommerhalder joining Cibolo Family Medicine! They want to get the word out that employers CAN provide amazing medical benefits for their team.

CITY COUNCIL MEETING 6:00pm to 8:00pm | Livestream Meeting See ci.boerne.tx us for link to meeting.

APRIL 15 GBCC RIBBON CUTTING FOR YOUR CBD STORE SAN ANTONIO 11:30am to 12:00pm 23127 IH 10 W. Ste 201 – San Antonio Your CBD Store San Antonio provides customers with the highest quality CBD on the market.

GBCC RIBBON CUTTING FOR BODY REVIVAL MASSAGE 1:45pm to 2:15pm 624 N. Main St. Ste. 106 – Boerne Body Revival Massage is a family owned Massage

“We have relied on Sonora Bank’s personalized service and expertise for many years.

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LIVE! AT THE LIBRARY 7:00pm to 9:00pm Amphitheater at the Patrick Heath Public Library 451 North Main Street – Boerne Bobby Flores & the Yellow Rose Band will be the featured performers in April! The event will be held outside at the Amphitheater, so bring a blanket or lawn chair to sit on. If you can't make it to the outdoor performance, you can also watch in the comfort of your own home on Facebook Live.

APRIL 17 TEXAS CORVETTE ASSOCIATION CAR SHOW 8:00am to 5:00pm Main Plaza 100 N. Main Street – Boerne This is a special weekend where Main Street is lined with Corvettes of all shapes, sizes, and colors. It's truly an incredible sight! Shop, dine, and play along the Hill Country Mile in between checking out the cars on display. Register your car in advance to enter the show and participate in the pre-event festivities on Friday and the Hill Country Run on Sunday morning.

continued on page 27 boernebusinessmonthly.com

25

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B oerne B usiness M onthly | April 2021

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CALENDAR OF EVENTS | cont’d APRIL 17 JACK FAIR MEMORIAL ANTIQUE TRACTOR PULL & HANDCRAFTED MARKET 10:00am to 4:00pm The AgriCultural Museum & Arts Center 102 City Park Rd. – Boerne Watch over 50 antique tractors as they compete to pull the heaviest weight the farthest.Take a ride on the hay wagon! Listen to the old-time sounds of the Bluegrass music players. Watch blacksmiths in action! See a chuck wagon cook demonstrate cooking from dutch ovens.The Arts & Crafts table for the kids is put on by the Hill Country Council for the Arts. Shop for your one-of-a-kind items from the unique HandCrafted Market vendors!

LOSING WEIGHT IS JUST THE BEGINNING! MOXIFIT IS A LIFESTYLE PROGRAM, NOT A DIET.

APRIL 20 GBCC RIBBON CUTTING FOR TOOTIE PIE CO. 1:30pm to 2:00pm 1445 S. Main St. – Boerne Tootie Pie Co. has officially moved! Known for their popular handcrafted pies, cakes and cookies they are adding muffins, scones and breakfast items to their new menu. Come and see what they have to offer at their new location!

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APRIL 22 GBCC RIBBON CUTTING FOR CHRISTOFILIS CUSTOM HOMES 11:30am to 12:00pm 113 Pleasant Valley Drive, Suite 202 – Boerne Christofilis Custom Homes is committed to owner satisfaction and is renowned for impeccable craftsmanship, exquisite interior and exterior details & finishes, and architectural excellence.

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GBCC RIBBON CUTTING FOR CAUBLE ROSE PAINTING COMPANY 3:30pm to 4:00pm Boerne Main Plaza 100 N. Main Street – Boerne Cauble Rose offers several event services such as adult painting events, children parties, pet painting classes, etc. Large community 'Ladies Paint Night in the Park' event to follow.

BOERNE AFTER 5 MIXER - HOSTED BY UNITED TEXAS CREDIT UNION 5:00pm to 7:00pm 1440 S. Main St. – Boerne APRIL 23 Z'S ARTISANS MARKET 6:00pm to 10:00pm Z's Woodfired Pizza 118 Old San Antonio Rd – Boerne There will be live music and local vendors who handcraft their products!

KUHLMANN-KING MUSEUM TOUR Kuhlmann-King Museum 12:00pm to 3:00pm 402 E. Blanco Road – Boerne The Kuhlmann-King house gives the public the opportunity to step back in time to see what a historic Boerne home looked like "way back when".

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continued on page 29 boernebusinessmonthly.com

27

business loans

Borrowing:

Q

Q: My business can use an infusion of cash, so I am considering a business loan. I already have some outstanding debts, though. How do I strike an appropriate balance when borrowing for my business?

A: Borrowing money to fund an expansion or a new venture is often a necessary part of running a business. It is important to proceed with caution and understand business borrowing before taking on new debt.

Here is all you need to know about striking a balance when borrowing for your business: WHAT IS DEBT CAPACITY? Debt capacity is the amount of money a business can borrow and pay back within a specified time frame. A business can use its debt capacity to determine how much money it can afford to borrow.

To determine the debt capacity of your business, use the debtto-EBITDA ratio. This commonly used metric measures the amount of income that is available for a business to pay down debt before covering other costs. It compares the total sum of all long-term and short-term debts of a business to the company’s earnings before interest, taxes, depreciation and amortization (EBITDA). You can obtain these figures from your company’s most recent income statement. Once you have both sums, divide the total debt by the EBITDA to determine your ratio.

Be sure to take any expected growth in revenue from new debts into account when determining the ratio of your company’s debt/EBITDA. You may need your accountant to help you with these calculations.

The debt/EBITDA ratio can serve as a guide when taking on new debt.

WHAT IS A GOOD DEBT/EBITDA RATIO FOR A BUSINESS? A high debt/EBITDA ratio can mean a business has taken on more debt than it can realistically afford. A low debt/EBITDA ratio means the business can afford to responsibly take on more debt.

Often, a creditor or lender will set a limit for a debt/EBITDA ratio, but sometimes, the business is on its own.

There is no across-the-board rule for a responsible debt/EBITDA

Striking a Balance for Your Business ratio. For some industries, a debt/EBITDA exceeding three or four can be problematic, while other industries can afford a debt/EBITDA as high as 10.

Once you have determined your debt/EBITDA, it is best to compare it to other industries. For example, a cyclical business will generally have a lower debt margin for an acceptable debt/EBITDA ratio than a business with a steady stream of revenue and a healthy cash flow throughout the year. Similarly, a business in an industry with minimal barriers to entry is always open to new competition, and consequently, has a low margin for an acceptable debt/EBITDA ratio.

Also, a company’s existing debts can significantly limit its current debt capacity.

HOW MUCH BORROWING IS HEALTHY FOR MY BUSINESS? Once you’ve determined an acceptable debt/EBITDA ratio, you will be faced with additional decisions. You will likely not want to push your ratio to its limits, and you will need to make a choice about how much money you are comfortable borrowing for your business.

Here, too, there is no one-size-fits-all answer. Your business is unique, and its capacity for new debt is unique as well. Harj Taggar, the co-founder and CEO of Triplebyte, a hiring platform geared toward software engineers and startups, says it is more important for businesses to have a defined plan for debt than a definite number. Healthy debt for a business, he shares, is debt that will be used well.

“Good debt is tied to something solid with a clear plan for why it’s helpful,” he says. “Bad debt is money you spend without understanding how it impacts your business.”

Debt is a necessary part of the journey for most business owners but finding the right amount to borrow can be tricky. Before taking on new debt, look at the entire picture and determine how much debt your business can afford.

Ready to get started on a business loan? Then call, click or stop by United Texas Credit Union today. BBM

If you are ready to take out a business loan or a new business line of credit, we can help!

Our business loans and the lines of credit feature favorable rates and easy terms. Call, click or stop by United Texas Credit Union today to secure the funds you need to grow your business.

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B oerne B usiness M onthly | April 2021

CALENDAR OF EVENTS | cont’d APRIL 24 THE BOERNE GARDEN CLUB’S ANNUAL PLANT SALE 9:00am to 2:00pm Fair Oaks Ranch Country Club Parking Lot 7900 Fair Oaks Parkway – Fair Oaks Ranch Veggies, Herbs, Succulents, Native Plants, Cactus, House Plants and more! Come by and make a donation by buying a plant! All proceeds go to Boerne Projects & Scholarships.

APRIL 27 BKCEDC GET YOUR BUSINESS ONLINE! MERCHANT TRAINING | RETAIL STRATEGIES 8:00am to 10:00am The Bevy Hotel, a Double Tree by Hilton 101 Herff Rd. – Boerne The Boerne Kendall County Economic Development Corporation is providing in-person training for local merchants to assist with creating an online presence where you will receive real-life examples, retail data, information on best practices, as well as a digital marketing guide and more.

CITY COUNCIL MEETING 6:00pm to 8:00pm | Livestream Meeting See ci.boerne.tx us for link to meeting.

(830) 816-2288

Judy Filingeri Owner Angela Turner Broker Carey Stewart Realtor Suzanne McGinnis Realtor Brette Nickelson Realtor

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APRIL 30 MOVIE IN THE PARK:TOY STORY 4 Activities start at 7:00pm; Movie begins at sundown Main Plaza – Boerne The annual outdoor movie series is back this year!

APRIL 30 - MAY 1ST BOERNE HANDMADE MARKET April 30: 6:30pm-9:30pm & May 1: 9am-4pm The Cana Ballroom 212 W. Kronkosky – Boerne 70+ handmade only vendors! VIP night is April 30 and includes drinks, snacks, and a craft class! May 1 will have 70+ handmade vendors plus a Kid Market with items created exclusively by creative kids! $25 for April 30, $5 for May 1 MAY 1 BOERNE VOLUNTEER FIRE DEPARTMENT FISH FRY FUNDRAISER 4:00am to 8:00pm 726 N. Main – Boerne This year's event will be drive-thru and an online auction. All event proceeds benefit the Boerne Volunteer Fire Department with equipment, apparatus and training needs for the year.

FIRST SATURDAY: LATE NIGHT SHOPPING 5:00pm to 8:00pm | The Hill Country Mile Sip, Shop, Savor on the Hill Country Mile!

Retailers will be open until 8:00 pm or later on the first Saturday of each month.

MAY 2 LEMONADE DAY 1:00pm to 4:00pm Lemonade Day is a community program hosted by The Boerne Chamber of Commerce that teaches young people the entrepreneurial skills they need to start, own and operate their own business. BBM

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boernebusinessmonthly.com

29

real estate

Urban Buyers Stampede to RURAL TEXAS

S

Spooked by pandemic fears and urban unrest, herds of Texas city-dwelling buyers descended on rural locations in latter 2020. When the dust settled, 552,707 acres had been purchased for a record $1.69 billion.

“Fourth quarter 2020 produced a remarkable increase in rural property transactions across most of Texas,” said Dr. Charles Gilliland, research economist for the Texas Real Estate Research Center at Texas A&M University. “Statewide, the 7,684 sales were up 28.9 percent from last year.”

The increased demand sent statewide land prices up 3.1 percent to $3,064 per acre. The typical sale was 1,139 acres.

“Taken together, the third and fourth quarter results signal an active and rising market with strong demand for land in most areas of Texas,” said Gilliland, who has studied state land markets for 40 years. “Currently, market professionals report a flood of interest in land purchases.”

“Austin-Waco-Hill Country rural markets exploded in the third and fourth quarters of 2020,” said Gilliland. “The 1,103 sales marked the first time the region recorded more than 1,000 in a quarter. Sales in the region were up 85.1 percent from the same time in 2019.”

Prices increased in all regions except for the Panhandle and South Plains. The West Texas and Austin-Waco-Hill Country Regions recorded small price increases. However, they did post large increases in the number of sales.

Only Far West Texas, hit by falling oil prices, reported a sales decline.

Transaction size fell everywhere except for South Texas. Total dollar volume fell in Far West Texas, grew modestly in the Gulf Coast and Brazos Bottom Regions, but expanded everywhere else.

A new report from the Texas Real Estate Research Center breaks down Texas land markets region by region. Read Texas Land Market Latest Developments at www.recenter.tamu.edu. The report also includes limited rural land data for Alabama, Louisiana, and Mississippi.

An article by Gilliland, “See Ya Later, Next-Door Neighbor,” will be published in the forthcoming issue of TG magazine.

The Texas Real Estate Research Center is hosting a virtual “30th Annual Outlook for Texas Land Markets” conference April 21-23.

Registration opens soon. BBM Information courtesy of Texas Real Estate Research Center

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