Volume 12, Issue 10: April 2020
BOERNE business monthly
l l A e r ’ e W n this i !
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LOOK INSIDE!
#BoerneStrong
ARE YOU THE WINNER OF ONE OF OUR GOLDEN TICKETS?
SMART businesses annually review their employees to analyze and improve performance.
SMARTER businesses annually review their technology for the same reason.
Keeping up with technology can be a full-time job. Let GVTC’s technology experts evaluate your communication services to ensure you are staying competitive and using your technology dollars wisely. Our FREE Business Technology Evaluation includes: • Audit of all technology services • Assessment of Internet usage/speeds • Testing of connections, ports & routers • Recommendations for maximization
Maximize efficiency—and profits. Schedule a technology evaluation at
800.367.4882 or GVTC.COM
114 E. Highland Dr. Boerne, TX 78006 210.526.0057 | 1.888.511.1211
• Financial Planning • Investment Management • Tax Planning & Preparation
• Estate Planning • Charitable Giving • Family Office Services
COVENANTMFO.COM CREATINGRICHERLIVES.COM SAN ANTONIO | BOERNE | DALLAS | OKLAHOMA CITY boernebusinessmonthly.com
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publisher's note What a wild ride we have all been on! Every single one of us has been affected by this virus in one way or another. For those who have lost their jobs or become sick, my heart goes out to you and your family. To the doctors, nurses, first responders, grocery store workers, truck drivers, restaurant workers, delivery people and all essential workers, THANK YOU! As social distancing began keeping people at home and our local businesses began feeling the effects, I knew that this April issue needed to focus not just on one of those businesses, but on all of them. I wanted to remind the readers of BBM of the importance of supporting the businesses that make Boerne what it is. I wanted to show the faces that make up those businesses! I reached out to as many as I knew how to get a hold of and got an overwhelming response. I think it is a great reminder that it isn’t just a business that is being affected, it’s our friends, our families and our neighbors. Let’s
join together as a community and support them not only now, but year round. These businesses and these people make Boerne what it is! Another challenge that presented itself as a result of social distancing was magazine distribution. People wouldn’t be out and about to pick up this April issue! What’s the best way to get these magazines into the hands of our readers? Solution: Encourage people to pick them up at our key distribution points around town by offering a fun “golden ticket” hunt! Read more about this below! We will also be delivering many of the magazines to select local neighborhoods to make it easier for people to get their hands on them! And of course, Boerne Business Monthly is always available to read online. As we all adjust to this temporary new way of life, I pray that we use this time to reflect on the things that are important, count our blessings and stay healthy.
Lauren Stumberg Owner/Publisher
DID YOU FIND A GOLDEN TICKET? PARTICIPATING BUSINESSES AT THE TIME OF PRINTING INCLUDE:
VISION SOURCE, WHEELERS WESTERN OUTFITTERS, MAGUE’S CAFE, NINJA CITY, KENDALL COUNTY WILD GAME DINNER, THE PEARL ANTLER, MOMMY 2B, THE COTTAGE DOOR, IDEAL HEALTH BOERNE, PENGUIN SUITS, FROM SCRATCH FARM, BOERNE HANDMADE MARKET & THE BUBBLE TEA FACTORY!
Several local businesses have donated gift cards, fantastic coupons, tickets to local events and some phenomenal prizes that have been randomly placed inside several of the April issues! If you find a Golden Ticket, take a picture and post it to our Facebook Page or send us an email to lauren@distinctgraphics.com. We’d love to give you and the business a shout out!
FOR MORE INFORMATION 210.219.6735 | LAUREN@DISTINCT-GRAPHICS.COM | WWW.BOERNEBUSINESSMONTHLY.COM
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B oerne B usiness M onthly | April 2020
Locally Owned and Operated • Experienced Team of Attorneys in Office • Full Service Title Company Residential | Commercial | Farm & Ranch • Here to Better Serve You as an Independent Title Company • Convenient Location @ I-10 & Hwy 46 • After Hour & Closings at Your Location • Free Courier Service CALL US FOR REALTOR RECOMMENDATIONS
INSIST ON LEGAL TITLE The Homeowners’ Choice! Se habla español
12 Upper Balcones Road – Boerne
www.txlegaltitle.com (830) 357-5088
boernebusinessmonthly.com
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April 2020
contents WE ARE CURRENTLY OPEN FOR CURBSIDE & DELIVERY ONLY Looking for ways to boost your immune system? Let us help you, call and place your order today
08: investing
Don’t Let Turbulence Distract You: Keep Your Focus on the Long-Term
by Matt Nelson – Managing Director, San Antonio Market, Prime Capital Investment Advisors
10: calendar of events 830-981-4774 AnniesRX.com 211 S. Saunders St. Boerne, TX 78006 “The Only Accredited Compounding Pharmacy in Kendall County!”
COWBOY SLEEPWEAR!
14: cover feature
We’re All in this Together: Support Our Boerne Businesses
18: health
Immune Support: Nothing New for Healthy Living
by Dr. Leigh Ann Greenberg – Annie’s Apothecary
22: virtual event
Boerne Handmade Market Rescheduled, but Offers Virtual Event
23: working remotely
How to Make the Most of Working from Home
24: for the kids Locally Owned and Operated
Cowboy Sleepwear for All Ages Vintage Western Premium Fabrics Domestic & International Shipping • Matching Sets • Original Pants • Low Rise Pants • Boxer Shorts • Nightshirts • T-shirts • Cow Kids Wear
Free City of Boerne Coloring Book
25: why not?
Things To Do While Social Distancing
26: planning
Making Lemonade Out of Lemons: A Down Market Ain’t All Bad
by John D. Eadie – Founder and Managing Director, Covenant
28: ribbon cuttings 30: mobility
Identifying Knee Problems
by Orthopedic Performance Institute
INFANTS, YOUTH & ADULT SIZES NEW PLUS SIZES! NOW AVAILABLE IN 2X & 3X!
www.cowboypajamas.com 6
B oerne B usiness M onthly | April 2020
facebook.com/boernebusinessmonthly Boerne Business Monthly is published by Distinct Media, LLC, copyright 2020. 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.
We are The Rivers Team and we specialize in selling homes in Boerne and throughout the Hill Country. A unique real estate team with deep understanding of luxury properties, we are confident we can produce the best results for you. Call today The
Rivers
to schedule your free market consultation. Team Reinventing real estate
The
Rivers
Team Reinventing real estate
711 S. Main Street Boerne, Texas 78006 C 210.393.3231 theriversteam@phyllisbrowning.com www.theriversteam.com www.phyllisbrowning.com
Serving the Texas Hill Country Since 1916
103 N. Saunders St. – Boerne (830) 816.2131
Our goal at Kendall County Abstract Company is to be the premier title company in Kendall County. We provide real estate closing services and title insurance to both individuals and businesses. All work and research is done in-house at our office. When you have questions and are looking for high quality, we are ready to serve your needs.
Instant Estimates. Easier Than Ever. From Title Quotes, to Seller Net Sheets and Buyer Estimates. Visit KCAC.net to DOWNLOAD MOBILE APP “Where experience and service make the difference” boernebusinessmonthly.com
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investing
Don’t let turbulence distract you:
I
KEEP YOUR FOCUS ON THE LONG-TERM by Matt Nelson – Managing Director, San Antonio Market, Prime Capital Investment Advisors
I’m sure you’ve heard the saying, “remove your emotions from investing.” In the turbulent times that we are in right now, that is easier said than done. It does not matter if you own real estate, stocks, bonds, mutual funds or private companies/equities. You’ve probably also heard that we have never seen anything like this before, this time is different. That statement is true, but not so true. While it may be a different headline, statistically speaking we have seen a market/economic behavior similar to this before and likely will continue to see it in the future. History does not predict the future. However, this is not uncommon; it is how you react that will determine what your financial situation looks like long-term.
Past Major Downturns and Headlines
In the past 20 years, we have lived through two major downturns in the market and economy that many thought we would not ever recover from. We had the tech bust or dot com bubble and 9/11 in the early 2000’s... Then, we had the global financial crisis in 2008-2009. But did we recover from these major events and have the longest bull market in the history of the stock market and have a robust economy with low unemployment? We did.
Market Volatility – Sticking to your plan
The last 31 years have provided an average intra-year drop of -13.5%, yet annual total returns were positive 25 of those 31 years (80% of the time).1 “Timing the Market” typically makes recovery harder – if not impossible. Over the past 20 years, the best 10 days in the market have been essential to growth. Seven of those 10 days occurred within two weeks of the 10 worst days.1 While periods of sharp selling and investor angst is hard to stomach and causing further anxiety, we urge investors to keep a
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B oerne B usiness M onthly | April 2020
long-term perspective and avoid panic selling; only exacerbating the sell-off and potentially causing more harm to long-term investment objectives by missing a potential rebound in global markets.
Having a Financial Plan can Create Calmness
Whether you own a business, work for a small business, work for a Fortune 500 company or are retired, we feel it is imperative to have a financial plan in place. Even though it is tough to do, removing emotions from the decision-making process and to striving to not make rational decisions may dramatically impact your long-term financial plan. Having a financial plan in place and sticking to it can create calmness during volatility and times of uncertainty. Looking back historically and building the historic data into your financial plan can give you the sanity and peace of mind you may need. If you already have a plan in place, stay committed to your financial plan and strategy. If you do not have a financial plan in place that is updated daily based on market fluctuations and real estate changes, business valuations, etc., we highly encourage you to take the time to work with an advisor and put one in place.
Why is Rebalancing so important during big market selloffs and gains?
Rebalancing your portfolio is very crucial during big market moves. Why? If you have a 60/40 allocation (60% equities / 40% fixed income), big market moves in either of these asset classes can dramatically change this allocation. If the 60% in equities (due to equity selloff) gets reduced to 45%-50%, when equities recover it typically takes longer to recover, as you did not have the same
percentage in equities as you did during the selloff. This may happen in a long bull market as well, where the equites percentage may get much higher than the desired 60%/40% allocation. Thus, you may have 70%-75% equities, thus much more aggressive than you intended to be. It is important to rebalance your portfolio constantly, especially when your portfolio has drifted away from your financial plan and desired allocation.
Are you Truly Diversified?
We find that so many people think they are diversified by owning stocks, bonds and mutual funds inside their portfolio and that is it. Unexpected risks like the COVID-19 virus outbreak are impossible to predict. However, it’s times like this that really highlight the value and benefits of a focus on true diversification and quality investments. In the past month, we have seen sharp declines across the board in stocks, bonds, REIT’s (Real Estate Investment Trusts), oil & gas and many other major asset classes. Now is a good time for everyone to complete an analysis to see if they are truly diversified into all asset classes and invested properly based upon their risk tolerance and objectives. Alternative Investments – These are asset classes that sometimes get overlooked to help diversify an overall portfolio. These may be worth exploring during volatile times in the stock and fixed income market. There are qualifications that need to be
met for some of these strategies.
Are you positioned for the future?
Nobody knows how long COVID-19 will affect our health and finances. We cannot predict the future. However, we can learn from the past. I am a firm believer that we will recover from this downturn and there will be many opportunities in the future. It is important to stick to your financial plan, don’t make irrational decisions, assess if you are truly diversified and invested going forward based upon your risk tolerance and objectives. If you would like to discuss any of these topics, please call our office at 830-816-5131. BBM Matt has been in the financial services industry for over two decades. Due to Matt’s tenure, he has a wealth of experience assisting high-net-worth individuals to work through a multitude of financial challenges to develop a holistic approach to wealth management and asset protection. He also works with many large corporations throughout the Midwest and Southwest handling their retirement plans. Specifically, he consults with plan sponsors regarding fiduciary protection, vendor search, and selection as well as face-to-face participant education. Matt’s approach to these services begins with a strong relationship with his clients by understanding their needs, listening to concerns, then coordinating with tax and legal experts to develop a holistic plan. (830)816-5131 | 616 E. Blanco, Suite 201-A, Boerne, Texas mnelson@pciawealth.com | pciawealth.com
1. J.P. Morgan Asset Management The preceding commentary is (1) the opinion of Matt Nelson and not necessarily the opinions of PCIA, (2) are for informational purposes only, and (3) should not be construed or acted upon as individualized investment advice. Investing involves risk. Please seek the advice of a tax professional. 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”).
Serving the Community Since 1975
More Expertise. More Access. We are 22 vascular experts, restoring circulation throughout the body. More Help. More Hope. We take a team approach to diagnosing, managing and treating a variety of vascular related conditions. • Leg Pain • Leg Circulation Problems • Blocked Arteries • Stroke • Wound Care
Seth Fritcher, MD
Mark Wengrovitz, MD
• Vein Disease • Amputation Prevention • Dialysis Access • Aneurysms • Prosthetic Care
Telemedicine Appointments Now Available
134 Menger Springs, Ste. 1100, Boerne, Texas 78006 | 210.614.7414 | PVAsatx.com Check out our Peripheral Vascular Associates Channel on YouTube
boernebusinessmonthly.com
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Calendar of Events APRIL TO DO:
STAY HOME. STAY WELL. LOOK FORWARD TO FUTURE EVENTS.
HOLIDAYS: APRIL 1: APRIL FOOL’S DAY APRIL 4: NATIONAL HANDMADE DAY (Created by Boerne’s Own Amy Bierstedt of From Scratch Farm) APRIL 12: EASTER SUNDAY
MAY EVENTS TO LOOK FOWARD TO! Tuesday through Thursday at 2pm. Pickup Saturday between 11am to 1pm at Herff Farm. Items will change weekly and seasonally. Check website to see if they have resumed regular hours for the month of May. Visit cibolo.org.
EACH SATURDAY FARMERS MARKET AT THE CIBOLO 9:00am to 1:00pm Historic Herff Farm | 33 Herff Road – Boerne The market has turned online/curbside for the time being.Visit cibolonatureandfarm.square.site, order
orthopedic
EACH THURSDAY GUADALUPE RIVER MARKET 4:00pm to 8:00pm | Tusculum Brewing Co. 236 S. Main Street – Boerne Vendors sell baked goods, body products, and more!
We help get you back in motion. P E D I AT R I C & A D U LT O R T H O P E D I C S
performance
institute
Matthew Dwyer, MD
Alexandra Matthews, DO
Christopher Phelps, MD
Board Certified Orthopedic Surgeon
Board Certified, Fellowship-Trained Sports Medicine Specialist
Board Certified, Fellowship-Trained Orthopedic Surgeon
CALL US TODAY TO SCHEDULE AN APPOINTMENT BOERNE
134 Menger Springs, Suite 1210 Boerne, TX 78006 Phone: (830) 816-5011
STONE OAK
1139 E. Sonterra Blvd., Suite 500 San Antonio, TX 78258 Phone: (210) 545-7171
SPORTS MEDICINE CLINIC 1139 E. Sonterra Blvd., Suite 206 San Antonio, TX 78258 Phone: (210) 545-7171
OrthopedicPerformance.com 10
B oerne B usiness M onthly | April 2020
MAY 9 BOERNE ART WADDLE All Day The Flats of Boerne Meander through The Flats of Boerne to gaze at remarkable art work from local artists and artisans. Take your favorites home with you!
JUST SAY NO TO THE QUARANTINE 15! We Can Help You Stay On Track
Currently offering: Remote Counseling & Weigh-Ins, Curbside Food Pickup!
KUHLMANN-KING MUSEUM TOUR 12:00pm to 3:00pm | Kuhlmann-King Museum 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". Please email to schedule a personalized tour: pegazeus45-bahps@yahoo.com BLUEGRASS JAM AT THE AGRICULTURAL 1:00pm to 3:00pm | The AgriCultural Museum 102 City Park Road – Boerne Every second Saturday of the month, bring your instrument and play along, or just come to listen to the Bluegrass Jam at The AgriCultural! (Formerly the Agricultural Heritage Museum) This event is free and open to the public.
Ideal Health
MOONDANCE CONCERT SERIES 7:00pm | Cibolo Nature Center Amphitheater 140 City Park Road – Boerne Enjoy live music beneath the Texas stars at the Cibolo Nature Center Amphitheater this summer! Bring lawns chairs, blankets and picnics for a cozy outdoor concert experience.There will be food trucks onsite as well!
BOERNE
Located Inside of Boerne Family Medicine 112 Herff Rd - Ste 110 (830) 331-8585
traci@idealhealthboerne.com
ALL THE POWER YOU NEED TO LOSE WEIGHT EXISTS INSIDE YOU. Book Your Appointment TODAY to begin your journey!
IDEALHEALTHBOERNE.COM
MAY 10 Mother’s Day MAY 12 CITY COUNCIL MEETING 6:00pm to 8:00pm MAY 16 SPRING FESTIVAL & CRAWFISH BOIL WITH EASTER BUNNY & HUNT 2:00pm to 9:00pm | Don Strange Ranch 103 Waring Welfare Road – Boerne *UPDATE*:This event has been rescheduled from original date. Gather the family and head out to the Don Strange Ranch for their Spring Festival! Enjoy a crawfish boil, live music, pictures with the Easter Bunny, an Easter egg hunt and a charity auction benefiting Texas Hunters for Heroes! BOERNE RETAILERS' STYLE SHOW AND SHOPPING EVENT 6:00pm to 9:00pm | The Bevy Hotel Boerne 101 Herff Road – Boerne *UPDATE*:This event was originally scheduled on March 21, 2020, but has now been postponed until May 16, 2020. Join the Boerne Retailers for a fun-filled girls night out as representatives from participating local shops strut their stuff down the catwalk, showcasing some of Boerne's trendiest fashions. Enjoy some pre-runway shopping with the local retailers as well! Participating shops include: The Christmas Shoppe,Traditions at the Depot, Celeste, From Scratch Farm, Gallery 195 of Boerne, Joli Boutique, La Te Da, Mommy 2B,The Pearl Antler, Pixie, Plaza Taxco, Rustic Heart Resale & Vintage Treasures,Tootie Pie Co., Wheeler’s Western Outfitters & Boutique.
Ron Warden
Allyson Munsell
1580 S. Main Street, Ste. 104 Boerne, Texas 78006 830-249-8286
1011 S Main Street Boerne, Texas 78006 830-249-2748
Financial Advisor
Financial Advisor
www.edwardjones.com Member SIPC IRT-1848E-A
continued on page 22
boernebusinessmonthly.com
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FOR SALE:
DURANGO RESERVE SHOWCASE HOME
3 bedrooms, 3.5 baths, approx. 2830 s.f. Custom features throughout! $664,500
DURANGO RESERVE LOTS FOR SALE:
118 Chama Dr, Lot 16, 0.22 ac - $132,500.; 104 Ouray St., Lot 27, 0.54 ac - $142,750.
Other Lots Available.
NEW LISTING!
518 E. THEISSEN STREET
Charming 3/3/2 near downtown. $315,000
4 FOSTER ROAD
2.61 acres, approx. 2516 s.f. home with 4 bed, 2 baths, pool, views! $459,900
Bluebonnet Realty Since 1989
JUDY FILINGERI ANGELA TURNER CAREY STEWART SUZANNE MCGINNIS BRETTE NICKELSON OWNER
(830) 816-2288
BROKER
(210) 912-8221
ASSOCIATE
(210) 551-2883
ASSOCIATE
(830) 377-5227
ASSOCIATE
(210) 213-8222
(830) 816-2288 | BoerneTexasHomes.com
FOR LEASE: NEW LISTING!
250 English Oaks Creek
3 bed, 2.5 bath in English Oaks. $2500
518 E. Theissen
3 bed, 2 ba open plan with fireplace and extra large garage! $2200
NEW LISTING!
209 E. Kronkosky
1 bed, 1 bath, approx. 1000 s.f. in middle of Boerne! $2000
217 E. Kronkosky Street
2 bed, 2.5 bath, garage fenced yard. $1800
NEW LISTING!
104 Blue Heron
Sweet 2 bed, 2 bath home on large lot in Ranger Creek. $1475
119 Whisper Way
2 bed, 2 bath 1 car garage. $1200
cover feature
l l A e r ’ e W n this i !
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r e h t e g To
#BoerneStrong
The COVID-19 crisis has affected all of us in ways we never imagined. We are confined to our homes, working remotely, home schooling our children and doing our best to distance ourselves to prevent the spread of the coronavirus. However, this new way of life has hit our local small businesses particularly hard. The people on the following pages represent just a sampling of the many local small businesses that make Boerne what it is. As you look through the following pages, these pictures are a good reminder that these aren’t just businesses, but these are our friends, our families and our neighbors. Let’s do what we can to support them, not only now during this time of crisis, but year round.
Mague’s Cafe
Wheeler’s Western Outfitters Shop WheelersTX.com
Texas Investors Title
Mommy 2B
shopmommy2b.com
Ideal Health Boerne
Offering virtual weight loss coaching and curbside food pick-up
Gina Marie’s Art Studio
Boerne Yoga
FREE Online Classes @ boerneyoga.com
continued on page 16
Check Out the Following Pictures of Just a Sampling of the Many Local, Small Businesses that Need Our Support!
Friendly, Done Right. Why United Texas?
Local decision making Low rates Loans for equipment, business vehicles, and real estate, including investment real estate Lines of credit and term loans SBA Guaranteed Loans - we’re an SBA Preferred Lender Home Loans with a personal touch
Kris Boiles 210.561.4764 krisb@utxcu.com David Gray 210.561.4578 davidg@utxcu.com 1440 South Main utxcu.com
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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. . . e s u a bec
Show Your Support for Our Local Small Businesses 1. Keep Dollars in the Local Economy
On average, money spent in locally owned businesses has three times the impact on our local community as dollars spent at national chains. When you choose to shop local, you are simultaneously helping to create jobs, fund more city services through sales tax, investing in community improvement and promoting community development.
2. Protect Boerne’s Character and Charm
People come from far and wide to experience the charm of our town. Boerne’s unique mix of local businesses is part of what makes our town so attractive. By supporting these independent, small businesses you are helping Boerne retain its distinctive local flavor.
3. Community Well-Being
Locally owned businesses help strengthen towns by sustaining communities, linking neighbors and contributing more to local
Pearl Antler Boutique
Shop Online @ thepearlantler.com + FREE Shipping!
Diamond C Stables
causes and charities. Additionally, local ownership means that important decisions are made by people who live and work in our community, and by those who will be affected by the impacts of those decisions.
4. Customer Appreciation & Personalized Service
Small business owners value your business. Local shops survive by their reputation and repeat business, which means you are likely to get a higher standard of service and customer care. Having the owner close by also means that they often personally know their customers and cater to their needs.
5. Product Diversity
Have you shopped Boerne lately? Our town has some pretty cool stores! Small businesses sell products based upon their own interests and the needs of their local customers, guarantying a much broader range of products and services.
Vision Source
Come for a ride and enjoy fresh air and wide open spaces, email daculver@gmail.com
Karl Eggerss – Covenant
United Texas Credit Union Boerne Branch
Board & Brush Boerne
did you know? • SMALL BUSINESSES GENERATE $68 OF LOCAL ECONOMIC RETURN FOR EVERY $100 SPENT WITH THEM. • OVER $9.3 BILLION WOULD BE DIRECTLY RETURNED TO OUR ECONOMY IF EVERY US FAMILY SPENT JUST $10 A MONTH AT A LOCAL BUSINESS. • SMALL BUSINESSES DONATE 250% MORE THAN LARGE BUSINESSES TO COMMUNITY CAUSES. • LOCAL BUSINESS GENERATES 70% MORE LOCAL ECONOMIC ACTIVITY PER SQUARE FOOT THAN BIG BOX RETAIL.
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B oerne B usiness M onthly | April 2020
Nissan of Boerne Practicing Social Distancing
Dang Sassy
Rudkin Productions
“We are helping clients keep the 6ft distance and still reach their audience with signage, email blasts, and digital marketing.”
The Cottage Door
creative solutions in a world of social distancing It has been impressive to watch our local businesses come up with creative solutions and new products and services during this time of social distancing! Restaurants and stores began offering curbside and delivery options, many began selling much needed groceries, fitness studios started offering classes online and so much more! You have to admire the grit and determination of our local, small businesses to get through this challenging time.
Northest OB/GYN
“Our incredible Boerne team serving patients NO MATTER WHAT!”
Ninja City “During our closure, we will be posting to social media workout / training ideas for our students to stay active while at home. We hope families will be able to incorporate these ideas into their PE time while schooling at home.”
Cowboy Pajamas
Texas Ranches for Sale
The Bubble Tea Factory Massage Matters We are The Rivers Team and we specialize in selling homes in Boerne and throughout the Hill Country. A unique real estate team with deep understanding of luxury properties, we are confident we can produce the best results for you. Call today The
Team Reinventing real estate
The Juice Co. The Local
Rivers
Team Reinventing real estate
s@
Grocerie 711 S. Main Street Boerne, Texas 78006 C 210.393.3231 Kelani Yogurt! theriversteam@phyllisbrowning.com www.theriversteam.com www.phyllisbrowning.com
Prime Capital Investment Advisors
LoneStar Properties
B
2 Mommy
Boerne Handmade Market donated $5 from every BHM T-Shirt sold between March 22nd April 5th to support Mague’s & Bumdoodlers!!
boernebusinessmonthly.com
continued on page 19
The Rivers Team Phyllis Browning
Rivers
to schedule your free market consultation.
17
health
Immune Support
E
Nothing New for Healthy Living by Dr. Leigh Ann Greenberg
Every flu season, I write an article about boosting your immune system to stay healthy and to fight off the common cold and flu. Looking back at these archived articles, I realize my advice hasn’t changed. People are just now starting to listen. Supporting your immune system year-round will obviously have a better effect for when you need it: like during a COVID19 Pandemic. Most people are now aware of increasing consumption of vitamin C, zinc, vitamin D and vitamin A to help boost the immune system. It is also very important to have a healthy gut. Almost 70-80% of our immunity lies within our gastrointestinal tract; therefore, a healthy gut can be a first line defense for viruses and bacteria. Your diet is extremely important in supporting a healthy gut. Low carbohydrate and low sugar diets rich in raw fruits and vegetables are healthier for your immunity. Probiotics, such as FloraBalance and Endomune, serve an important role in maintaining healthy gut flora to combat viruses and bacteria that are introduced to the gastrointestinal tract. Decreasing the ingestion of foods that cause inflammation can assist as well. Annie’s Apothecary can ship the Food Sensitivity Test to your home to determine what those foods are. Our pharmacist can then make personalized recommendations based on your results. Another way to boost immunity is by oral supplementation of immunoglobulins. The basic functions of immunoglobulins are to neutralize and mark bacteria and viruses for destruction by the body’s immune system. Unlike antibiotics, they allow the immune system to differentiate between pathogens (bacte-
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B oerne B usiness M onthly | April 2020
ria and viruses) and the body’s normal flora. Each day the GI tract immune cells produce about 5 grams of immunoglobulins. However, during times of stress there is a significant reduction in production. I think we can safely say EVERYONE is under a certain amount of stress right now. Immunoglobulins taken orally act first in the intestinal tract to eliminate or inhibit the growth of disease-causing organisms and toxins. Supplementation with immunoglobulins reduces the demand in the gut for naturally produced antibodies. Since the body’s resources are not infinite, conservation of immune resources in the gut allows more resources to be available wherever else they may be needed. IG 26 Plus DF powder is an immunoglobulin product that may help your body defend itself from viruses. As we all get accustomed to social distancing and accept this new normal for the next month or so, please continue your healthy habits all year long. Annie’s Apothecary is committed to helping you achieve your goals and to keeping our vitamin stock up! BBM
anniesrx.com
211 S. Saunders – Boerne
continued from page 17
“With mortgage rates so low, it just makes sense to take that leap now if you’ve been anticipating buying or selling a home or land. We can point you to some of our favorite mortgage lenders who are working around the clock to process these loans in a safe CDC recommended environment, as well. Much of the paperwork associated with a Texas Hill Country Realty Real Estate transaction can be conducted online with your TRUSTED Real Estate Specialist on the phone/skype. We have taken precautionary measures with “showing” properties for sale, Realtors all working together to maximize safety using the CDC guidelines for coronavirus. We’ve not seen any recommendation to stop selling or buying property nor that it should come to a grinding halt if you are needing to purchase or sell a home. All of our showing agents are in line with the CDC guidelines. If a client reports having traveled within past 15 days or has symptoms, we wait. If a seller does not want showings, we wait. However, there are many steps that can be taken during that 15 day period, like processing a simple mortgage application, or verifying funds for a cash purchase, gathering multiple pictures/videos for a buyer to explore BEFORE actually stepping into a home. LAND properties are easiest right now and many of our clients are indeed looking “outside city limits” location for their next home, desiring some romp’n stomp’n space or areas for Big Boy Toys. Our realtors abide by a code of ethics already in place and have always taken the high road when showing properties, making sure to qualify clients beforehand to assure the most feasible match. We now specifically provide a package of wipes to use on door handles and rails and take the current CDC guidelines seriously. The agents use common sense and “purposeful” showing appointments. What I mean by that is that the agents provide multiple pictures and videos to buyer clients in order to explore homes BEFORE ever booking an appointment for an actual showing. We recommend limiting “guests” to just ONE per family for all first showings of any home and then only after discussing the pros/cons of pictures, videos, surveys, seller disclosures and perhaps more “agents on the ground research”. Once a client zeros in on a potential purchase, we set the appointment and make sure all safety measures are taken. It’s a Win-Win. We just all need to be cautious and respect today’s conditions and adjust accordingly.”
Estes Audiology
“We were able to get all of our necessary supplies and batteries loaded to our e-store to assure that patient’s devices could be working well during this time of uncertainty as well as some tutorial videos!” hearlifeagain.com/shop | hearlifeagain.com/tutorial-videos
Texas Homes
continued on page 20
FREE ONLINE YOGA CLASSES! Sign Up Online @ BoerneYoga.com
T H E M O S T I M P O R TA N T NUMBERS A BANK C A N T H R O W A T YO U A R E 2 4 A N D 7.
You call and we answer around the clock, right here in Texas. Visit us at frostbank.com or call (800) 51-FROST.
maste a N Join Us for...
Private Yoga Therapy Sessions, Yoga Workshops & Our Adaptive Yoga Teacher Trainings Programs GO TO OUR WEBSITE TO LEARN ABOUT ALL OF OUR UPCOMING PROGRAMS & WORKSHOPS!
MEMBER FDIC
BoerneYoga.com
37131 IH 10 – WEST FRONTAGE ROAD, SUITE 300-2 – BOERNE, TEXAS
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Bluebonnet Realty
Dog & Pony Grill Dog and Pony is providing curbside pick up service and delivering meals directly to doorsteps! People can order by calling us directly at 830-816-7669. We also have special family meal packages and groceries!
finances
KCA Services
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B oerne B usiness M onthly | April 2020
Dr. Alexandra Matthews (pictured here), Dr. Chris Pelps, and Dr. Matthew Dwyer with the Orthopedic Performance Institute are using telemedicine for some follow up patient visits in an effort to minimize the patient’s need to leave home and reduce the risk of any COVID-19 exposure.
Low and Slow To Go Cibolo Creek Brewing Co.
Barbie’s Salon & Spa From Scratch Farm & Handmade On Main Define Boerne
Tusculum Brewing
“From Scratch Farm has a complete online store! People can shop online, have their order shipped. The coupon code LOCALDELIVERY can be used by the 78006 zip code, for free delivery to their doorstep. The coupon code LOCALPICKUP can be used for free curbside pick-up. Handmade on Main is keeping the shop cleaned and sanitized, to keep our shoppers safe. We're currently working orders through facebook and instagram messaging. And then we're complete transactions over the phone or at their curbside pick-up.”
Let’s Work together to tell boerne about your business!
(210)219-6735 | advertise@distinct-graphics.com
continued from page 17
Orthopedic Performance Institute
Judy Filingeri Owner Angela Turner Broker Carey Stewart Realtor Suzanne McGinnis Realtor Brette Nickelson Realtor
Joli Boutique “It is so incredibly important to shop local ALL THE TIME. You receive a better product, AMAZING customer services and a unique shopping experience tailored just to you! Each small business is not backed by a corporate hedge fund and is more likely to support your child’s extracurricular activities than a big box store. Our owner, Barbara Burger, has owned Joli Boutique for 10 years (this coming October). She moved the store to Boerne from San Antonio in 2017. This was the BEST move she made with Joli Boutique. We have been surrounded by amazing small businesses who work together to help EVERYONE succeed. Our country has fallen on an impossible time, many are choosing to close their doors and wait out the storm. The unfortunate issue is that what will closing doors do to those who remain open? Will closing of doors temporarily end up becoming permanent? We ask that anyone who is able to get online and shop, PLEASE DO! “
(830) 816-2288
SonoraBank.com
Haute Air Boerne
Addam Bradshaw Owner, Express Own Auto
Haute Air is continuing to lift people's spirits even during this uncertain time! Brightening porches and front gates with swags of all shapes and sizes and in every price range. Missing a big birthday bash? Send a balloon swag! Missing prom or another important high school social? Send a balloon swag! "We love what we do and hope to continue lifting spirits all over Boerne and the Hill Country! All of our work can continue with our no-contact assembly," said co-owners Ariel Forren and Holly Kallemyn "Give us a call, we would love to send some haute air care to those you love!" BBM
“Sonora Bank takes the time to listen and understand my needs. They will always be an important partner in the success and growth of my business.”
B O E RN E E A S T 1 5 70 R i v e r R o ad | 8 3 0 - 3 3 1 - 8 3 0 0 B O E RN E W E S T 1 2 2 We s t B and e r a | 8 3 0 - 3 3 1 - 9 1 1 8
B O E R N E | B U LV E R D E | W I M B E R L E Y | S A N A N G E LO | S O N O R A
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virtual event
event has been moved to
november 20-21, 2020
while boerne handmade market’s spring event has been cancelled, they encourage you to join them
april 8-25th for a “virtual BHM” on their facebook page.
DURING THIS TIME, EVERY FEW HOURS A DIFFERENT MAKER WILL BE TAKING OVER AND SHOWING THEIR ITEMS. INTERACT, COMMENT AND BUY!
CALENDAR OF EVENTS | continued from page 11 MAY 16 -17 HILL COUNTRY MINI MILKERS DAIRY GOAT SHOWS Saturday 9:00am to 1:00pm Sunday 8:00am to 4:00pm Kendall County Fairgrounds Livestock Barn 1307 River Road – Boerne Curious about dairy goats? Head on out to the Second Annual Hill Country Mini Milker Dairy Goat Shows! Saturday morning will be an ADGA Nubian and Nigerian Dwarf show, and Sunday will be all day MDGA Mini Nubians! Learn more about dairy goats and their delicious milk! MAY 21 A THIRST FOR NATURE EVENT 7:00pm to 9:00pm | Cibolo Nature Center 140 City Park Road – Boerne Every third Thursday of the month, the Cibolo Nature Center hosts a specially themed Thirst for Nature event where you can learn about the different plant and wildlife of Boerne and the Hill Country's surrounding areas. Sip on an adult beverage made to match the theme for that month for those who are of age, or choose the non-alcoholic version for the kiddos! LIVE! AT THE LIBRARY 7:00pm Patrick Heath Public Library Amphitheater 451 N. Main Street – Boerne
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Every third Thursday of the month, join the Patrick Heath Public Library for Live! At The Library! A live performance always takes place on the amphitheater stage (weather permitting), bringing lively music and culture to Boerne. Bring lawn chairs, blankets and picnics if you like! MAY 23 THE BOERNE GARDEN CLUB’S ANNUAL PLANT SALE 9:00am-2:00pm Gazebo on Main – Boerne Veggies, Herbs, Succulents, Native Plants and more! Come by and make a donation by buying a plant! Proceeds support Boerne Projects & Scholarships. BLUEGRASS JAM AT THE AGRICULTURAL 1:00pm to 3:00pm | The AgriCultural Museum 102 City Park Road – Boerne Every second Saturday of the month, bring your instrument and play along, or just come to listen to the Bluegrass Jam at The AgriCultural! (Formerly the Agricultural Heritage Museum) This event is free and open to the public. CONCERT IN THE CAVE - TINSEL 7:00pm | Cave Without A Name 325 Kreutzberg Road – Boerne Step into the wonders of Cave Without A Name's Queen's Throne Room for a Concert in the Cave! You'll love the natural sound of the acoustics ringing
through the centuries-old stalactites and stalagmites. Tinsel returns for a Memorial Day Tribute. They are classically trained, a'cappella group! On this night, they will present a special arrangement of well-known songs. $30 in advance; $35 at the door. MAY 24 BOERNE CONCERT BAND CONCERT 7:00pm | Main Plaza Join the Boerne Concert Band for a live, free concert in the park! Bring lawn chairs, blankets and picnics, and be sure to arrive early to pick your spot. MAY 25 MEMORIAL DAY MAY 26 CITY COUNCIL MEETING 6:00pm to 8:00pm MAY 29 MOVIE IN THE PARK 7:00pm | Main Plaza Head out to Main Plaza for another great night at the Movie in the Park series! Bring the kids for this family friendly event. Feel free to bring lawn chairs, blankets, and picnics--but snack vendors will be on-site! Pre-show activities will begin at 7:00pm and the movie will begin at dark. Be sure to show up early and get a good spot! See Website for details on the evening's feature presentation. BBM
Our team continues to keep our clients up to date on new legislation regarding the COVID-19 Pandemic. We are using this knowledge to identify tax saving opportunities for individuals and businesses. We can provide necessary guidance, no matter what stage your business is in, and we’re always available to assist you with all your tax planning needs.
CERTIFIED PUBLIC ACCOUNTANTS
accounting for your success, we are here for you
WWW.ADKF.COM | (830) 387-4441 | 616 E. BLANCO, STE 300E – BOERNE
PROFESSIONAL PROPERTY MANAGEMENT & FULL SERVICE REAL ESTATE CO. We Care About the Properties We Manage! • Single Family Homes • Condominiums
• Commercial Property • Community HOA’s
Quality Maintenance | Competitive Rates | Proven Track Record
Call for More Info:
(210) 535-1355
ed@homesweethomeboerne.com
www.homesweethomeboerne.com From Boerne to San Antonio
How to Make the Most of Working from Home
N
working remotely
During this challenging time, Akin, Doherty, Klein & Feuge, P.C. is here to do more than file tax returns.
Now that the coronavirus has more people than ever working from home, we thought we would share a few tips to help you stay focused and be productive! HAVE A DESIGNATED WORK SPACE You may not have the space in your home to designate an entire room to a home office, however it is important to find a spot where you do your work each day. Try to make this space feel as separate as possible. Not having a separate space dedicated to work activities makes is harder to separate your work from your personal time. The more these lines blur, the more your work/life balance will suffer. Even if you are working at a table in your home that is used for other purposes, like the kitchen table, make sure to pack up and put away your work at the end of each day so you can “leave” your workspace. GET DRESSED It may be tempting to stay in your pajamas all day, every day… but don’t! Getting up, getting dressed, fixing your hair, etc. are all signals to your brain that you are about to be productive. You don’t have to put on a suit and tie, but putting on clothing that you could leave your house in will help you to feel a bit more normal in this time of being cut off from the rest of the world. Besides, there is a good chance someone will see you, there are LOTS of video conferences happening these days! MAKE A SCHEDULE This is easier said than done, especially if you are at home with your spouse or children, but the more of a work schedule you are able to abide by, the more productive you will be! So decide when to start and end your workday, make lists of tasks to accomplish for each day, have a dedicated lunch time and schedule in some breaks. Share this schedule with your family so they know that just because you are working remotely doesn’t mean you are free all time. REACH OUT If working remotely is new for you, chances are it may be a bit of a transition. Staying connected to co-workers through phone calls emails, text messages and video conferences can help you avoid feeling isolated. Need help with something? Don’t hesitate to reach out to those that you normally would. BBM
Show Us Your WFH Space! Share it on our Boerne Business Monthly FB Page! boernebusinessmonthly.com
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for the kids
T
FREE City of Boerne Coloring Book!
The City of Boerne Parks and Recreation Department and the Hill Country Council for the Arts (HCCArts) created the first ever Boerne original City Coloring Book. This coloring book was supposed to be unveiled at the Family Outdoor Fair on 3/21, which was unfortunately canceled due to recent developments. In support of our community and in an effort to keep the kids busy and engaged, The City of Boerne Parks and Recreation Department and HCCArts is making their coloring book available on line at: https://www.hccarts.org/partners/ coloring-book for you to download and color the pages. In addition, your local HEB, Wal-Mart and Walgreens agreed to make the coloring books available as of Friday March 27th while supplies last. Look for a display or a box near the front door with a sign displaying the coloring book. Once you’ve color the pages, upload a digital copy to https://www.hccarts.org/ partners/coloring-book. Starting on Friday April 3rd there will be weekly art shows on FaceBook Live at https://www.facebook.com/HCCArts.Tx. At the end of the month they will announce a winner on their weekly FaceBook Live. Winner will receive a goodie bag with prizes from local businesses and have their photo in the Boerne Star and Hill Country Weekly. Submit your colored pages and enter as often as you like and remember to join Every Friday at noon starting on Friday April 3rd to see your artwork and the artwork of your friends and neighbors on the FaceBook Live https://www.facebook.com/HCCArts.Tx. THANK YOU TO ALL OF THE SPONSORS: Ancient Oaks Cultural Center, Boerne Community Theatre. Boerne Yoga, City of Boerne, City of Boerne Parks and Recreation, Great Clips, Hill Country Council for the Arts, Hill Country
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B oerne B usiness M onthly | April 2020
Weekly, Holt & Holt Funeral Home, KCA Services, Kendall County Roofing, Learning Foundations, Mommy 2B, Penguin Suits, Richter’s Garage, Sonora Bank, The UPS Store @ Leon Springs and Vintage Reconstruction.
About Hill Country Council for the Arts (HCCArts): The HCCArts is a nonprofit organization focusing on promoting and enhancing the arts in the Texas Hill Country for the counties of Kendall, Lampasas, Llano, Bexar, Comal, Atascosa, Frio, Gillespie, Hays, Kerr, Blanco and Burnet counties. BBM
why not?
THINGS TO DO WHILE SOCIAL DISTANCING
F
Find yourself constantly scrolling through social media these days? Why not take a break from your phone and use this time to do all the things you always said you would do if you just had more time! Here are a few good ideas to keep you busy during this time of social distancing: LEARN SOMETHING: Use this time to expand your knowledge on something you have always wanted to know about. How about brush up on some skills for your career or take this time to do some continuing education? Learning a new language is always a good idea; websites like OpenCulture.com provide free lessons in foreign languages! GO OUTSIDE: Hit the walking trails or take a hike, go fishing, play in a creek or look for bluebonnets! It is perfectly safe to go outside and enjoy our beautiful Texas spring weather, just remember to maintain the proper social distance. EXERCISE: How many people always say that they would exercise if they only had more time on their hands? Well, now you do and with all of the free online classes right now you have no excuse! So many of our local studios are offering FREE online classes, be sure to check out Boerne Yoga, Define Boerne, Agave Wellness and Core Athletic Club, just to name a few. GET CREATIVE: Pick up one of the art kits being offered by local businesses such as Board and Brush, Maker’s Place or Gina Marie’s Art Studio. Why not try a new recipe you’ve had your eye on or even make a photo album! WORK ON YOUR HOUSE: Now is the perfect time to tackle those small home DIY projects. You can also declutter and organize your space or even rearrange your furniture for a change of scenery! Why not plant a garden, spruce up your landscaping or even give your house a fresh coat of paint! BBM
WHATEVER YOU DO, MAKE THIS TIME COUNT!
YOUR HILL COUNTRY WEALTH MANAGEMENT FIRM Our team of seasoned professionals can help you meet your financial goals. Contact us today for a free consultation! Prime Capital Investment Advisors 616 E. Blanco, Suite 201-A / Boerne, TX 78006 / (830) 816-5131 / 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”).
Kendall county wild game Dinner scholarship deadline extended ATTENTION SENIORS!!
Make sure to apply for the Kendall County Wild Game Dinner Scholarship. Deadline extended to April 15, 2020! PLEASE MAIL APPLICATIONS TO: WGD, P.O. Box 1140, Boerne, Texas 78006 or drop at the County Extension Office
Download the Application @
KENDALLCOUNTYWILDGAMEDINNER.COM boernebusinessmonthly.com
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planning
MAKING
lemonade OUT OF lemons...
A DOWN MARKET AIN’T ALL BAD.
W
by John D. Eadie – Founder and Managing Director, Covenant CPA, CFA, CFP®, PFS, CLU®, CIMA, CKA®
While the stock market and the global economy look like they are in for a bit of a rough ride, these conditions provide some wonderful opportunities to focus on other parts of your financial life. Depressed asset values and super low interest rates make for a prime time to take action that may supercharge your financial life when markets settle and turn around. The goal here is not to delve deep into the technical aspects of each of these planning ideas. The hope is you will consider how one or more of these may fit into your personal plan and then take action to make them come to life. Let’s start with the simple and move to the more complex. Portfolio Management: No one is enjoying what they see online or on their investment statements right now, but depressed stock values allow for some straightforward portfolio planning ideas. Simply selling investments that are at a loss and buying new and possibly similar investments may provide offsets to future gains. It’s a nice way to minimize tax liability and can also provide opportunity for more efficient rebalancing of your portfolio. Annual Gifts: If you are trying to reduce your estate or just want to provide others with a little extra cash flow each year, gifting stocks that are depressed in value may allow you to transfer more shares right now than you otherwise thought you could. Each year, anyone and everyone can gift up to $15,000 to anyone they like. In today’s market, a stock that might have been worth $15,000 two months ago is likely worth closer to $10,000 - $12,000 today, and that means you can transfer more shares to them. It’s an easy way to get more units of something to them with the hope that the value increases soon and they have more. Roth IRA Conversions: One of the more common tax planning ideas is to consider converting a portion of your traditional tax-deferred IRA to a Roth IRA. Doing so creates a tax liability on the portion of the IRA that is converted, but this can still be a great strategy if you happen to be going through a year where your income tax may be lower than normal. In other words, it’s a way to take advantage of the graduated tax brackets. With depressed asset values, your IRA may not look quite as healthy as it did just a few weeks ago. This may enhance the value of a Roth conversion in 2020. If conversion makes sense for you because of your tax position, then a conversion may allow you to acquire many more shares of stocks, mutual funds, or exchange traded funds post conversion, which can provide the potential for significantly more upside in the
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B oerne B usiness M onthly | April 2020
Roth value going forward. Roth conversions do not only have to be accomplished with cash or money market assets. The benefit is enhanced further by the fact that the Roth, if planned well, can make distributions tax free. Grantor Retained Annuity Trust: This one moves more into the sophisticated arena of wealth transfer planning and is primarily most impactful if you have a balance sheet that is larger than the current lifetime estate and gift exemption. If you do, now is an optimal time for the strategy – depressed asset values and super low interest rates. The basic concept is that a donor transfers cash or property to a trust in exchange for an annuity which is payable for a fixed term of years. At the end of the annuity period, any assets remaining in the trust transfer to the trust beneficiaries at no gift tax cost. In super simple terms, the donor receives back the original amount given plus interest. The interest rate required on the annuity is set by the IRS, and today, is near all-time lows. That means that if the property contributed appreciates at a rate greater than the required interest rate, significant wealth can be passed on to others at no gift tax cost. The strategy can potentially be enhanced further with the use of discounting techniques. The strategy requires help from your advisor and attorney, but it can be one of the most impactful and less risky wealth transfer techniques out there. Today’s market environment simply makes it even better. Philanthropic Planning: In general, most people think of appreciated assets as being the best assets to give to charity because they can meet their philanthropic goals and avoid paying tax on the gains that have occurred in the asset. That is true, but this market can also provide opportunity for your charitable giving. These extremely low interest rates can make planning ideas like charitable lead trusts very attractive. In short, the charitable lead trust provides a way to make your desired annual charitable gifts while potentially transferring wealth to the next generation at little or no gift tax cost. Sale to Defective Grantor Trust: Now that’s a mouthful. This strategy is similar to the grantor retained annuity trust with a couple of prominent exceptions. While the grantor retained annuity trust’s tax treatment is certain, this strategy is a little more uncertain in the eyes of the IRS. The defective grantor trust also creates a taxable gift upon execution, but there may not be a tax payment due if you still have remaining lifetime
estate and gift tax exclusion. A big benefit that defective trust has over the grantor retained annuity trust is that it allows for generation skipping tax planning, which can add significant benefit to the strategy. The primary goal of the defective trust, like the grantor retained annuity trust, is to freeze the value of an asset transfer at today’s value with the expectation that that value increases greatly over the term of the trust. To wrap up, these markets have been crazy, and the Coronavirus will have an impact on the global economy, but we cannot stop planning. These are just a few ideas that work well when asset values are depressed, and interest rates are low. Talk to your advisor and take advantage of them while you can.BBM John is the founder and a managing director of Covenant. In his several leadership roles with Covenant, John serves as the firm’s CEO, chief wealth advisor, and leads all client service efforts. John has lengthy experience assisting families with their investment, income tax, wealth transfer planning, family governance and philanthropic strategies. Throughout his career, John worked with Fortune 500 executives to assess and implement complex compensation strategies— including deferred compensation, restricted stock, stock option, and other employee benefit planning. John was named a Barron’s 2012 and 2013 Top 100 Independent Financial Advisor. He has also been recognized since 2012 as a Five Star Wealth Manager. Earlier in his career, John was named by Worth magazine as one of the Top 100 Wealth Advisors in the country.
The contents of this article are provided for informational purposes only. It is not an exhaustive list and is not intended to provide any legal or tax advice. Please consult your respective legal, tax and financial advisor before taking any action.
NEW LISTING TOOLS SELL HOMES FASTER! AWARD WINNERS!
*Tiffany Joslin *Rene Campbell (210) 394-4399 (210) 542-0148
Jim Campbell (210) 838-1896
Steven Karam (210) 414-0105
Wiley & Kathy Cloud, Brokers (830) 755-8693 | (210) 710-6601
Real Estate Office:
(830) 755-8693 Career Inquiries (830) 755-8693
boernebusinessmonthly.com
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ribbon cuttings
Greater Boerne Chamber of Commerce March 2020 Ribbon Cuttings
Advanced Pain Management & Rehab The Chamber is happy to welcome Advanced Pain Management & Rehab as a member and to the Boerne Community! Dr. Stephen Dinger and his team understand, like their patients, their employees are the foundation of our continued success and have a total commitment to meeting patients’ individual needs & objectives. Advanced Pain Management & Rehab’s office in Boerne is located at 112 Herff Road Suite 320 and their phone number is (210) 495-7246. For more information or to make an appointment, visit their backpainsa.com.
Prestige Homes - Miralomas The Boerne Chamber is excited to celebrate with the Prestige Custom Homes crew who just recently broke ground in the new 65’ section in the Miralomas Neighborhood. Prestige Homes is the oldest, locally-owned, family-run, home building business in the San Antonio area. They focus on building move-up homes for empty nesters and garden home builds in beautiful neighborhoods all across the Hill Country. Looking to buy or build a house? Contact Prestige Homes at (210) 614-3811 and be sure to visit their website prestigesa.com for more details.
Mosquito Hunters of Boerne - Spring Branch - Bulverde We are excited to welcome Mosquito Hunters of Boerne - Spring Branch - Bulverde to the Boerne Chamber of Commerce! Owner Casey Reed, his team and family were all on hand for the ribbon cutting ceremony. They believe that a remarkable experience with family and friends does not require a passport or a suitcase and know that some of life’s best memories are literally made in your own backyard. Some of the great reasons to choose Mosquito Hunters is they are serious about mosquito control, pride themselves on being the best, they’re local, they care more and are Veteran owned. You can contact Casey and his team at Mosquito Hunters of Boerne-Spring Branch-Bulverde by calling (210) 405-9315 and visiting their website
Christian Job Corps of Kendall County’s 16th Anniversary We got to celebrate Christian Job Corps of Kendall County Anniversary of 16 years in Boerne, Texas! We are so blessed to have you as part of our community! Christian Job Corps helps equip adults for life and vocation. Director Lynn Heckler and her team offers 6-week job and life skills training classes for today’s job market with free programs which give new direction for success in life. To learn more about what they do contact (830) 331-9916 or visit their website at cjcboerne.org!
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Boerne Lions Club The Chamber was happy to celebrate with a ribbon cutting ceremony for the Boerne Lions Club! President Marjorie Felter and their Ambassador Christina Kresser were on hand with additional Club members. The Boerne Lions Club has been revitalized and their motto is “We Serve” and put on several events to help children with no costs to the parents. Next month they will be sending children with disabilities to camp so this month they will be holding different fundraisers and bringing in new members to the Club. They are holding an Ice Cream Social on March 18th from 5 to 7 pm at Kronkosky Place with a raffle drawing to be held on March 31st, tickets are available for purchase. They also partner with Walmart to provide eye exams and glasses for those children who qualify. The Club meets on the 4th Monday of the month at Kronkosky Place at 12 Noon with lunch. To learn more about the Boerne Lions Club, their projects, and if you wish to be a sponsor, you can call Marjorie at (210) 326-4397. B oerne B usiness M onthly | April 2020
social distancing Covenant We had a blast getting to celebrate Covenant with a ribbon cutting and an After 5 Mixer. Covenant has a team of skilled, multidisciplinary financial advisors driven by an honest passion, deep experience, and an ongoing commitment to helping you achieve your life goals. Give Covenant a call today to learn more about your financial opportunities at (210) 526-0057, stop by their office at 114 E. Highland Dr. or visit their website covenantmfo.com.
Bird Imports We had a blast getting to welcome Bird Imports into our Chamber with a ribbon cutting! Bird Imports is a Classic and collectible automobile sales business with all eras of cars that they buy, sell, and trade. Billy Bird and his team work with clients locally, nationwide and internationally to make their dream car come to life. Bird Imports is located at 140 Enterprise Parkway, you can call them at (210) 8462831 or check out their website at birdimportstx.com to learn more.
got you like...
We've got you covered! when this is all over, come see us for some much needed TLC!
Texas Farm Bureau - Karen Sievert A huge Congratulations to Texas Farm Bureau Insurance Agent, Karen Sievert on your ribbon cutting! Were so excited to welcome you into the Chamber! Texas Farm Bureau is a highly ranked insurance business and we are proud to have them here in Boerne, TX! They provide Home, Auto, Farm & Ranch and Life Insurance. Stop by and visit with Karen at Texas Farm Bureau located at 1 Sisterdale Road, give her a call at (830) 249-8837 or visit their website texasfarmbureau.org to learn more today!
Your Hair Will Thank Us!
B Appointment booking available online at
Low and Slow To Go, LLC Welcome to the Chamber, Low & Slow To Go, LLC! We got to welcome Tess Bates in with a ribbon cutting! Low and Slow To Go is a frozen food manufacturing business which sells over 20 different fresh frozen crock pot “Starter Kits”, all you add is the meat and the heat and you’re ready to eat! Check out the meal choices and learn more about Low and Slow to Go at lowandslowtogo.com! You can call Tess at (806) 241-5750 for more details.
barbiesinboerne.com (210) 330-6676 725 N. Main Street – Boer ne
CUTS • COLOR • STYLING boernebusinessmonthly.com
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mobility
Y
Identifying
Knee Problems
Your knees have a big job to do. They provide support for your body, allowing you to walk, run, jump, turn, stand and crouch. Flexibility and stability are essential for performing these tasks. To help your knees accomplish this, other parts of your body come into play, including: • Bones • Cartilage • Muscles • Ligaments • Tendons Common knee problems affect flexibility, performance and the ability to bear weight without pain. POINTS TO CONSIDER ABOUT KNEE PROBLEMS 1. Knee problems can be caused by injury, obesity and various diseases, including osteoarthritis, bursitis and gout. 2. Men, women, and children can all develop knee problems. They can affect all races and ethnic backgrounds. 3. The symptoms of knee problems depend on the type of injury or disorder, but most all of them trigger pain and can limit your range of movement. 4. Don’t try to fight through the pain. Contact an orthopedic specialist if you are experiencing these symptoms: a. You can’t bear weight on the knee b. It’s visibly swollen c. You can’t fully extend or flex it d. You can see an obvious deformity e. Pain, redness and swelling are accompanied by a fever
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B oerne B usiness M onthly | April 2020
f. You feel as if your knee might give out when you try to walk TREATMENT OF KNEE DISORDERS The course of treatment for knee problems depends upon its source. Is the source obvious, like a sports injury, or is it something more difficult to see — if at all — such as the development of osteoarthritis? A qualified orthopedic specialist can diagnose your specific knee ailment by taking a medical history, performing a physical exam and ordering tests to pinpoint the exact cause of your pain. Then, the doctor will be able to put together the best course of action for you. Regarding knee pain, Dr. Alexandra Matthews, Sports Medicine Specialist for the Orthopedic Performance Institute says, "I encourage my patients to never suffer in silence! There have been numerous advancements in the treatment of knee pain, and many ways to treat pain without surgery are available. Two of the latest options include peripheral nerve stimulation- where you use a small simulator to keep the nerve from firing in pain, and Platelet Rich Plasma (PRP) injections- where you use your own blood to heal your knee pain." BBM
left to right: Dr. Chris Phelps, Dr. Alexandra Matthews, Dr. Matthew Dwyer
At Orthopedic Performance Institute, our orthopedic specialists, Dr. Matthew Dwyer, Dr. Chris Phelps, and Dr. Alexandra Matthews are experts in diagnosing and treating all types of knee ailments. Our mission is to alleviate your pain and get you back on your feet as quickly as possible. If you’re experiencing any of the above warning signs of knee problems, make an appointment in either our Boerne or San Antonio office today by calling 210-545-7171.
Boerne and Stone Oak Practices Available to Serve You Currently Offering Telemedicine Appointments Too Appointments with Dr. Dwyer in Boerne Clinic Available on Thursdays
ORTHOPEDICPERFORMANCE.COM
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