Boerne Business Monthly – April 2023

Karl J. Eggerss Principal, Financial Advisor

Casey Keller, CFA Senior Vice President, Financial Advisor

Shawn Morris, CFP®, AAMS® Vice President, Financial Advisor

Britni Mosher Associate, Relationship Manager

happy spring!

April is energizing! There is just something special about the longer days, green leaves and flowers blooming. It is a month full of possibilities. Think of all the things you can get out and go do! Check out the Calendar of Events, take a stroll down the Hill Country Mile, dine at one of Boerne’s fabulous restaurants or attend a local concert!

I have always known this, but here recently I seem to have become increasingly aware of the many, many different types of businesses we have here in Boerne and the surrounding areas. The diversity is impressive and the creativity and ingenuity is to be commended!

One such business is this month’s cover feature – On

The Move, Inc. Be sure to read all about this innovative local business and the history behind their new President/CEO, CJ Stratte.

Another super fun business we have featured this month is Sunshine Woodworks, LLC. Check out all the cool yard games created by Hector Santiago and learn how he got started. I am sure you will need a few of these for your summer barbecues and backyard fun!

I hope you enjoy this issue of BBM!

Lauren Stumberg Owner/Publisher

CONTENTS

by Carol Schultz & Ariel Brooks-Stevens, Hill Country Home & Land

The Heartland at Tapatio for a good cause

Vaqueros del Mar Raises

Record Setting Amount for Veterans

Can You Benefit from a 529 Plan?

by Caleb Clark, CIMA – Edward Jones

ribbon cuttings

health

Boerne Business Monthly is published by Distinct Media, LLC, copyright 2023. 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.

Renee Campbell

Robin McCall Dallenbach

Javier Acevedo

CAN SOMEONE REALLY Steal the Title to My Home?

HHave you heard all those radio/TV commercials given by reliable folks about having the title to your home stolen? There is even a person claiming he has accomplished that several times! How is that possible? They are not talking about fraudulent applications for mortgages, although that probably happens frequently. They are talking about someone who forges a deed to themselves and then tries to borrow money against the property or resell the property to a third party. Despite the frantic mode of the commercial, you do wonder if this really is as common as they lead you to believe.

There are FBI statistics about wire fraud in real estate transactions, however there is no real statistical data about "home title fraud."

There are several things to know about this type of fraud. In Texas, this kind of fraud could be enabled if an unsuspecting buyer purchases a property from someone without going through a title company. The title company closing process includes protections designed to prevent this type of fraud. Also, it is important to know that a forged deed is absolutely void and conveys nothing, however, if the forged deed has been filed in the deed records, it can create a cloud on the title to your home.

If that were to happen, a real estate attorney could prepare and file an affidavit of forgery that could be filed in the deed records to counteract the forged deed. It might be necessary to file suit against the forger to have the forged deed declared invalid and have that judgment filed in the deed records. It doesn't matter if the forger has fled far away because they can be served by publication, or an attorney can file a motion for summary judgment. Because there is no defendant fighting the case, the attorney's fees for such proceedings are usually modest. Remember that most "protection plans" do NOT cover attorney fees!

Of course, you want to prevent a forged deed before it happens and the advertisements for these title protection services make sometimes impossible claims. For instance, some claim that the monitoring service puts a "shield" around your home title. That is not accurate. All the "protection service" does is check the deed records periodi-

cally to see if any instruments have been filed in the deed records with your name on it and let you know when it happens. These services may also claim that the true owner will be liable for the fraudulent mortgage payments. False - you are not liable for a fraudulently obtained mortgage in your name.

Here are preventative measures you can take which cost you nothing and should give you peace of mind:

• Lock your credit account at each of the 3 major credit reporting agencies.

• Periodically check the deed records for your home in your county.

• Be sure you get the appraisal notice each May and the property tax invoice in Nov. If not, call right away to inquire.

• If you fail to receive a utility bill, call the provider immediately.

• If you get some sort of payment book from a mortgage company that you don't recognize, contact the company immediately.

• Get a copy of your credit report periodically and check it for accuracy.

• For vacation/rental property, be sure you are getting utility/tax bills. If the property is vacant, check to make sure no one is living there.

When you purchase property, always go through a licensed title company to make sure the title to the property you are purchasing hasn't been subjected to a previous fraudulent transfer.

Adapted from an article at the Texas A&M RE Center

Allcat Claims Service, LLC, Honored by Wounded Warrior Project for Engagement

Allcat Claims Service, a leading tech-enabled provider of outsourced end-to-end claims solutions for insurance carriers across the U.S., was recently honored with a Corporate Partner Impact Award for creative engagement by Wounded Warrior Project® (WWP), an organization that provides free programs and services in mental health, career counseling, long-term rehabilitative care, and policy advocacy to improve the lives of millions of wounded warriors and their families.

Allcat received the award during the WWP Corporate Partner Summit, an annual event where the nonprofit’s partners come together to network, learn more about WWP’s strategic priorities and share best practices. This recognition acknowledged the

company’s creative efforts to bring together its vast network of employees and adjusters to raise awareness and funds to support WWP over the years.

“Allcat has been a strong supporter of Wounded Warrior Project and their mission for more than a decade,” said Allcat’s chief executive officer, Sid Carr. “We work with many veterans through the insurance claims process, but also proudly employ wounded warriors. We vowed never to forget their sacrifices and supporting WWP is integral to who we are – we both help individuals, families and communities recover after life changing circumstances.”

Since 2013, Allcat has raised over $1.7 million through many efforts including holding silent auctions and fundraising via golf tournaments and participating in the WWP Carry Forward® 5K. In addition to this recognition, Allcat previously received the Wounded Warrior Project Empowerment Award in 2020.

ABOUT ALLCAT CLAIMS SERVICE

Allcat Claims Service was formed in 2000 by a group of independent adjusters who believed there was a place in the claims industry for a fresh approach. The ownership believed the new ideas and experience each brought to the company would provide unparalleled service to its clients. Allcat Claims Service places a premium on quality control, quality adjusters, and staying ahead of the technology changes. Most importantly, they pride themselves on handling claims professionally and ethically. Allcat Claims Service can handle all insurance claims needs providing solutions for personal and commercial lines field inspections as well as end-to-end desk services for property, auto, flood and large loss claims. For more information on Allcat, please visit www.allcatclaims.com.

APRIL Calendar of Events

EVERY SATURDAY

A DAY AT THE FARM AND FARMERS MARKET

9:00am to 1:00pm at Herff Farm

33 Herff Road – Boerne

Vendors will be set up at Herff Farm to supply you with some of your local favorites. Check their calendar for special events and programs each week.

OLD JAIL MUSEUM TOURS

10:00am to 5:00pm at The Old Jail Museum

208 E. San Antonio Ave. – Boerne

Tour the Old Jail Museum and enjoy its unique exhibits.

APRIL 1

SPRING ANTIQUE TRACTOR PULL

10:00am to 4:00pm at The AgriCultural Museum and Arts Center

102 City Park Rd. – Boerne

Come out and watch antique tractors from around Texas as they compete to pull the heaviest weight the furthest distance.

APRIL 1

17TH ANNUAL EASTER EGG HUNT

10:30am to12:00pm at City Lake Park

Pavilion

Get your baskets ready and your tennis shoes on, because the hunt goes fast!

APRIL 5

GBCC RIBBON CUTTING & GRAND OPENING

HUMMINGBIRD ASSISTED LIVING AND MEMORY CARE

10:30am to 11:00am

8602 Flint Rock Drive – Boerne

APRIL 6

GBCC RIBBON CUTTING FOR GOD & OUR DOGS

11:30am to 12:00pm

Greater Boerne Chamber of Commerce

121 S. Main – Boerne

GBCC RIBBON CUTTING FOR IMPERIAL BLASTERS AND DESIGNS

1:30pm to 2:00pm

Greater Boerne Chamber of Commerce

121 S. Main – Boerne

GBCC RIBBON CUTTING FOR SIGNARAMA SAN ANTONIO NW NEW LOCATION IN LEON SPRINGS

4:00pm to 4:30pm

23775 IH-10 – San Antonio

APRIL 8-9

BOERNE MARKET DAYS

10:00am to 4:00pm at Main Plaza

Spend a day browsing the market and visiting the many downtown boutiques, galleries, and restaurants for a unique hill

Hill Country Barn Builders

country experience. There are a variety of bargains to be found such as jewelry, plants, art, handcrafts, collectibles, antiques, and more.

APRIL 8, APRIL 22

BLUEGRASS JAM AT THE AGRICULTURAL

11:00am to 1:00pm at The AgriCultural Museum

Every second and fourth Saturdays 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.

KUHLMANN-KING MUSEUM

TOURS

12:00pm to 3:00pm at Kuhlmann-King Historical Complex

Take a tour around the Kuhlmann- King property to step back in time.

APRIL 9 – EASTER

APRIL 11

GBCC RIBBON CUTTING PENGUIN SUITS’ 20TH ANNIVERSARY

11:30am to 12:00pm

106 Austin Dr. S. – Boerne

GBCC RIBBON CUTTING THE FAMILY PLACE LIBRARIES PROGRAM

1:30pm to 2:00pm

451 N. Main Street – Boerne

APRIL 13

GBCC RIBBON CUTTING

JOLI BOUTIQUE’S NEW LOCATION

2:30pm to 3:00pm

136 S. Main – Boerne

DIVA SPRING FLING

5:00pm to 9:00pm

Downtown Boerne

The Boerne Retail & Restaurant Owners

Association is excited to bring back Diva Night, with a special spring twist! Diva Spring Fling

will include later shopping hours, music, food, beverages, and much more. Be sure to make note of our new check in locations at Traditions at The Depot and Main Plaza, where the first 400 attendees will receive a flower crown and shopping bag.

APRIL 15

ITALIAN MOTOR

GATHERING

10:00am to 2:00pm

Main Plaza Park

The premier exhibition of the finest Italian motoring in the Texas Hill Country.

CRUISE INTO BLACKSMITH

GRILL CAR SHOW

4:00pm to 8:00pm

Blacksmith Grill

Admire a variety of vehicles lined up outside several Boerne businesses in downtown Boerne.

APRIL 18

GBCC RIBBON CUTTING OSTEOSTRONG STONE OAK

11:30am to 12:00pm

923 North Loop 1604 East, Suite 108 – San Antonio

GBCC RIBBON CUTTING

HERITAGE PLACE OF BOERNE’S 23RD

ANNIVERSARY

1:30pm to 2:00pm

120 Crosspoint Dr. – Boerne

APRIL 20

GBCC RIBBON CUTTING MIKE’S VAPOR SHOP

11:30am to 12:00pm

1433 S Main St., Ste 103 –Boerne

GBCC RIBBON CUTTING FOR TWINKLE TOES NANNY AGENCY

10:30am to 11:00am

121 S Main St – Boerne

continued on page 20

Top 10 Reasons to visit Annie's Apothecary

10. Your doctor wrote a compounded prescription.

9. You hate bathing in testosterone gel (& so does your wife)

8. Your kids can't focus in school (& neither can you)

7. You don't like fighting your cat during medicine time.

6. You have uncontrolled hot flashes (& the A/C bill is high)

5. Your neighbor goes to Annie's.

4. You want to try CBD without getting high.

3. You have an "-itis". (arthritis, thyroiditis you get the point)

2. You love gluten, but your body doesn't

1. You've never been and you have serious FOMO. (It's only been 16 years, we still welcome first-timers!)

830 981 4774 AnniesRX.com

211 S. Saunders St. Boerne, TX 78006

“The Only Accredited Compounding Pharmacy in Kendall County!

FAP-1942N-A-AD

Caleb K Clark, CIMA® Financial Advisor

SUNSHINE WOODWORKS, LLC

wCreating Custom Yard Games for a Whole Lot of Fun!

What’s better than a backyard barbecue with your family and friends? A backyard barbecue with some super fun yard games, of course! “I made my first yard games to have for my own family cookouts,” said Hector Santiago, owner of Sunshine Woodworks, LLC. “The first ones that I built were Jenga and a backyard washer set. I would watch YouTube videos and learn how to make the games that I wanted for my own backyard.”

Eventually, Hector found himself with an abundance of games, so he decided to go on Facebook Marketplace and see if he could sell a few. “After I sold some of my own personal games online, that is when I got the idea that I could make a business out of this!” Hector’s games became quite popular, and his hobby grew into a small business. He began to come up with new ideas of games to offer and now has six games and one new one debuting this month. He has sold games to businesses and individuals across the Boerne and San Antonio area and as far as Fredericksburg, Austin and even Houston. Sunshine Woodworks has even been featured on local news channels KENS 5 and KSAT 12 a combined five times!

Sunshine Woodworks offers Cornhole, JUMBO Jenga, Jenga Jr., Ladder Ball, 3 Hole Washers, 1 Hole Washers, Yardzee and Hook-N-Ring with Shot Ladder, and now Left, Right, Center.

The Cornhole sets are available for custom order and Hector has created countless designs that include everything from logos to family names, creative designs and your favorite team colors. “You name it, and we will make it happen. These custom boards are very popular and really add that special touch. We sell them to individuals, restaurants, bars, wineries, event

venues and more,” added Hector.

All of Sunshine Woodworks’ games make for great gifts too! For custom Cornhole Set orders, contact Hector directly. However, if you are in need of a present right away, Sunshine Woodworks always has games ready to go at local stores, The Shoppes at 222 and Boerne Backyard.

Sunshine Woodworks is veteran owned & operated. Santiago has served 18 years in the United States Air Force – 13 years active duty and he has been serving in the Air Force Reserves for the past five years. According to Hector, “I came into this business without any experience in woodworking or owning a small business, but I am learning as I go. I still watch YouTube videos and have learned so much from friends and mentors about both woodworking and running a small business.”

Hector loves to be active in the local community and to do his part to give back. “My goal for this year is to donate a set of Cornhole boards to each of our local first responder organizations. So far, I have been able to donate sets to both the Boerne Police Department and the Bergheim Fire Department. The next set in the works is a special donation to the Boerne Fire Department.”

Check out all the games available at the Sunshine Woodworks accounts on Facebook and Instagram. For your custom order, email ssunshinewoodworksllc@gmail.com or call (832) 366-3022.

Hill Country Sitters is a small business owned by a mom with two little ones. The owner, Desirey has 10+ years of child care under her belt and knows the importances of parents getting a break. Hill Country Sitters has a team of mom’s booking your sitters, and experienced sitters waiting to serve your families needs. Whether its date night or some time away to just rest, Hill Country Sitters will be waiting for your request!

Find us on facebook and Instagram or visit our website by scanning the QR code! Good

209 GLENN OAKS DR Country style living in the 3 bed, 2 bath home on 1/2 acre lot. Wood burning fireplace, fenced yard with small storage building.

CJ STRATTE New CEO was 30 Years in the Making

““I feel like I have been preparing for this my whole life,” said CJ Stratte, the newly appointed President/CEO of On The Move, Inc. “I grew up in this business. I remember traveling with my family to different trade shows, helping set up, speaking with members of the different industries we serve, listening to different interactions, and being mesmerized by the marketing booths. Little did I know that all those experiences were preparing me to one day run the company that my family has worked so hard to build.”

On The Move, Inc. was started by Stratte’s grandfather, Maurice Westerdale in Dearborn, Michigan in 1992 and relocated to Boerne

in 1995. A retired product engineer for Ford Motor Company, Westerdale got into the storage facility industry and recognized the need for a commercial truck lease program for self-managed local rental trucks, allowing the owner/operator to set their own rates and advertise their company at the same time. The ingenuity of Maury evolved into a turnkey truck lease program that launched On The Move, Inc. into the fourth-largest truck rental fleet in the United States. Although the original target market for rental truck leasing was the self-storage industry, other industries began to discover the advantages of On The Move, Inc. Today, their truck leasing program not only serves the self-storage industry but the moving industry, rental stores, real estate professionals, apartment communities, caterers, and contractors. Throughout its thirty-plus years in business, the company has always made decisions or created products with the mindset of ‘what can we do to make the experience better for our customer?’ “On The Move has always done a phenomenal job of this, and now it is

continued on page 18

continued from page 17 my job to think about what the next thirty years will look like for the company. I can assure you that thinking about the customer first will always be my mentality,” said Stratte.

It is this customer-focused environment that has led On The Move, Inc. to diversify its business in so many ways. In addition to the Rental Truck Program, the company offers an insurance licensing program, software programs to help their customers flawlessly run their storage facilities and truck leasing programs, commercial insurance, food trucks, golf cart leasing, and even used vehicle sales.

On The Move, Inc. even holds the patent on a food truck design that they designed and engineered. Their design offers an unparalleled mobile kitchen experience for culinary entrepreneurs and their customers. According to CJ, “Most food trucks are too narrow. Ours is built with the slide-out concept that many RVs have, making it wider and easier for a chef to have space to cook, while someone else can be working the counter. The slide-out drops down so that the cashier can be eye-level with the customer and is even low enough that it is accessible to wheelchairs.”

“Something new for us is that we will now

be offering a golf cart leasing program as well. Whether you are an individual or a larger business that needs several golf carts, we can get you set up with lease payments to make this a more affordable option. We offer all sorts of sizes and can even lift them or apply custom graphics,” added Stratte.

The graphics department at On The Move, Inc. is

top-of-the-line and offers professional designers that work with the clients to bring their vision to life on the rental trucks, food trucks, and yes – even the golf carts! “We are dedicated to providing you with the highest quality workmanship and attention to detail. We pride ourselves on our ability to listen to our client’s needs and then work closely with them to create a design that best matches their brand identity,” said CJ.

As Stratte looks towards the future of On The Move, Inc. she is excited to continue to build the brand that has been entrusted to her by her family. “We have built an amazing team here. All of our staff share the vision of making On The Move the best company it can be for our customers. To me, this is not just a business, but a family. So many of our clients have been with us for ten, twenty, or even thirty years. Some of my closest friends originated from meeting within this industry, many of them even share stories like mine, and are now running their family businesses. I think about where some of the businesses started and what they have grown into. I think about where On The Move started and where we are now. Every day, I pull up and see the first truck we ever sold here at our headquarters. I think how the truck that my grandfather spent years developing, the Aerocell model that we supply today, there are now over 10,000 vehicles across America and Canada. It really has been a privilege to be a part of it all, and an honor to lead this company into the future.”

APRIL 20

GBCC RIBBON CUTTING CIBOLO CENTER FOR CONSERVATION’S 35TH ANNIVERSARY

1:30pm to 2:00pm

133 Herff Road – Boerne

GBCC RIBBON CUTTING TOOTIE PIE CO.’S 2 YEAR ANNIVERSARY

3:00pm to 3:30pm

1445 S Main St. – Boerne

MEN’S NIGHT AT FREE ROAM BREWERY

6:00pm to 8:00pm at Free Roam Brewing Company

The brewery is inviting men out to the beer garden once a month for some brews and inspirational speeches from a variety of guest speakers.

LIVE! AT THE LIBRARY:

JAY BOY ADAMS BAND

7:00pm to 9:00pm at Patrick Heath Public Library Amphitheater

This program is free and open to the public. Since it’s held at the Amphitheater, please bring a blanket or lawn chair with you.

APRIL 22

TEXAS CORVETTE ASSOCIATION 30TH ANNUAL OPEN CAR SHOW

Main Plaza Park

TCA Open Car Show on the square in downtown Boerne that will feature over 450 Corvettes, muscle cars, and classic cars and trucks for all over the state of Texas and beyond.

APRIL 22-23

SPRING CRAFT FAIR

9:00am to 4:00pm

Kendall County Fair Grounds

APRIL 25

GBCC RIBBON CUTTING FOR SISTER CREEK BOOKKEEPING

11:30am to 12:00pm

121 S Main St. – Boerne

GBCC RIBBON CUTTING FOR TTS RESEARCH’S 20TH ANNIVERSARY

1:30pm to 2:00pm

1420 River Rd., Suite 100 – Boerne

continued on page 23

Concerns Too Often Overlooked

by Matthew K.

Retirement

A word that people often don’t think about seriously until it is too late. There is no doubt that retirement is a major life and financial transition. Many people dream of starting their retirement throughout their working career. The problem is, most of us look forward to it with no real plan. No real guidance. No real action.

If you are nearing retirement or find yourself daydreaming about the day you get to retire, read below to gain insight into the five retirement concerns that are often overlooked.

REQUIRED MINIMUM DISTRIBUTIONS (RMDS)

An RMD is the minimum amount you must withdraw from your individual retirement account each year after the age of 73. RMDs are determined by dividing the retirement account’s prior year-end fair market value by a life expectancy factor published by the IRS. If you are unsure how to calculate your RMD amount, visit The Internal Revenue Services (IRS) website for their free worksheet.

*Important note: Starting in 2024, holders of designated Roth 410(k) accounts will no longer be required to take RMDs from them. This rule is already true for Roth IRAs.1

TAXES

Retirement does not necessarily translate to reduced taxes. While you may earn less in retirement than you once did, many forms of income are taxable: RMDs; investment income and dividends; most pensions; even a portion of Social Security income depending on a taxpayer’s total income and filing status. Of course, once a mortgage is paid off, a retiree loses the chance to take the significant mortgage interest deduction.2

The bottom line: Unless your taxable income falls at or below

the standard deduction level every year, you will most likely be required to pay taxes. How much you’ll pay is another story! If you need help minimizing your tax burdens, reach out to Prime Capital Investment Advisors for a consultation.

HEALTH CARE COSTS

Those who retire in reasonably good health may not be inclined to think about potential health care crises, but they could occur sooner than you think – and they could be costly. According to Fidelity, health care is expected to be one of the largest expenses in retirement, after housing and transportation costs.3

According to the Fidelity Retiree Health Care Cost Estimate, an average retired couple age 65 in 2022 may need approximately $315,000 saved (after tax) to cover health care expenses in retirement.3 Of course, the amount will vary depending on when and where you retire, your general health, and life expectancy.

The bottom line: it is important to plan ahead and weigh out all of your options when considering health care costs in retirement!

ELDERCARE NEEDS

Those who have a longer life expectancy or face health complications will probably need some long-term care in retirement. It is critical to look into your options and make sure you are properly prepared for long-term care.

Surprisingly, more than 6 out of 10 people polled by Provision Living said that they’re working into retirement purely for financial reasons.

By planning early, you will be better prepared to avoid having to work throughout your retirement years.

Nelson – Prime Capital Investment Advisors - Texas

INFLATION

With consumer prices continuing to raise, it’s crucial to consider the role it may play in your retirement. If you aren’t invested in the market, you may be missing out on longterm growth. Money that’s been invested over a long period of time has typically earned more than it would have sitting in a savings account. And when it comes to inflation, history also shows that the S&P 500 has tended to beat inflation over time, by an average return of around 10 percent.4

As part of your preparation for retirement, give these matters some thought. Life is about enjoying the here and now. But it’s crucial to recognize the potential impact these five concerns could have on your financial future. By preparing today, you can better ensure you also enjoy tomorrow.

You have worked your whole life to create your nest egg. With that said, you want to make sure your retirement income is protected and works for you well beyond your retirement years. If you need guidance on any of these 5 concerns, please give me a call.

Matt Nelson is the Managing Director for PCIA’s San Antonio market. He has been in the financial services industry for over two decades. Due to Matt’s tenure, he has a wealth of experience assisting high-networth 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.

Matt loves raising his two daughters in the Boerne and Kendall County community and is very active in supporting the local community.

www.pciawealth.com | (830) 816-5131

616 E. Blanco Road, Ste. 201-A Boerne, Texas 78006

CALENDAR OF EVENTS | cont’d

APRIL 27

GBCC RIBBON CUTTING FOR HILL COUNTRY CRISIS COUNCIL

11:30am to 12:00pm

121 S Main St. – Boerne

BOERNE AFTER 5 MIXER - HOSTED BY RIVEN ROCK RANCH

5:00pm to 7:00pm

390 Hermann Sons Rd. – Comfort

APRIL 28

MOVIE IN THE PARK : SUMMER KICK OFF

7:00pm at Main Plaza Park

APRIL 29

MUSIC IN THE CAVE: AS TIME GOES BY - TEXAS CELLOS

7:00pm to 9:00pm

Cave Without A Name

MAY 6

BOERNE GARDEN CLUB ANNUAL PLANT SALE

9:00am to 2:00pm

Gazebo at Main Plaza

Plants at the sale will range from houseplants, succulents, perennials, cactus, native plants and more. Plants can be had for a donation. All proceeds go to scholarships and projects. BBM

Judy Filingeri Owner

Angela Turner Associate Broker®

Carey Stewart REALTOR®

Lynelle Boyd REALTOR®

EEnvisioned by the partnership of Tom Cusick, developer of Estancia at Thunder Valley, and country legend, George Strait, the Heartland at Tapatio Springs is sure to steal the hearts of those fortunate enough to call it home. The name for this hill country haven was inspired by one of Strait’s hits, Heartland, and once you visit you are sure to see why.

Designed by the team at Vaqueros del Mar, homesites at the Heartland at Tapatio Springs have been carefully etched into the landscape to take maximum advantage of the natural Hill Country beauty. The community features 29 homesites, nestled in 25 acres that have been reimagined into a private oasis for a select number of homeowners. The gated enclave is centrally located within the resort and only minutes to Boerne, San Antonio and nearby attractions.

Residing at The Heartland at Tapatio Springs means accessibility to a very impressive portfolio of amenities, features exclusive to Heartland homeowners and those offered by Tapatio Springs. Whether you choose to enjoy an active day golfing, pickle ball, poolside, or simply chilling in the beautiful Texas ambiance, you’ll feel right at home.

Behind the gates, Heartland homeowners will find additional amenities exclusively available to them that include Amen Pond, a Pavilion, Putting Green and a Pickle Ball Court! Homeownership also includes the opportunity for membership to Tapatio Springs Hill

A limited opportunity for unlimited Hill Country living

“Sing a song about the Heartland, the only place I feel at home”

Country Resort with no initiation fee, giving you access to:

• The 18-Hole Resort Golf Course

• Newly-constructed Clubhouse

• La Cascada Table & Bar Restaurant

• La Tienda Coffee Shop & Cafe

• PureSolSpa & Salt Cave Wellness Center

• Family-friendly pool with waterslide

• Adult-only resort pool

• Poolside fare from Double L Bar & Grill

• Year-round special events and activities

Homesites range from $140,000 to $200,000 and completed homes will range from $750,000 to $1,000,000. All homes can feature a smaller, third garage bay for golf cart and club storage. Homeowners have the ability to choose their own builder, however plans will be subject to the architectural review committee guidelines.

To see the beauty and possibilities of The Heartland at Tapatio Springs in person, schedule a tour by calling (210) 414-1401 or (210) 669-2703.

heartlandtapatio.com

GEORGE STRAIT RAISES RECORD-SETTING $2.4M FOR VETERANS WITH 12TH ANNUAL VAQUEROS DEL MAR BENEFIT CONCERT & GOLF TOURNAMENT

FFor twelve years now, George Strait’s annual Vaqueros del Mar Golf Tournament and Benefit Concert, hosted at Tapatio Springs Hill Country Resort, along with longtime friend and local businessman, Tom Cusick, has been raising money to support the Feherty’s Troops First Foundation. This past year, the 12th Annual event raised a record-setting $2.4 million, and the all-time total raised is over $17 million.

"After George and I acquired Tapatio, we had our Grand Re-Opening on 11-11-11, which was Veterans Day," notes Cusick. "We decided holding an event for our military heroes was perfect and then we met David Feherty with Troops First, and the rest is history. I believe we both would agree that this has been one of the most fulfilling experiences we have been involved in. We have grown so close to so many that have sacrificed for our country and all of us!"

In keeping with annual tradition, the 12th annual event featured a golf tournament, as well as a benefit concert, with performances by Strait along with Asleep at the Wheel, William Beckman, Wade Bowen, Dean Dillon, Keith Gattis, Randy Houser, Jamey Johnson and Randy Rogers. Plans for the 13th Annual Vaqueros del Mar Benefit Concert & Golf Tournament are in the works and the event is sure to be just as successful the next go round!

The funds raised directly benefit wounded military service men and women. Learn more about the cause at www.troopsfirstfoundation.org.

L to R: Kerry Fisher, Ed Garahan, Jamey Johnson, George Strait, Tom Cusick | Photo Credit: Terry Calogne

Randy Houser and Jamey Johnson perform during a special tribute to our servicemembers at the 12th annual Vaqueros del Mar benefit concert. | Photo Credit: Terry Calogne

BBM

Another school year is coming to a close. And if you have young children, they’re now a year closer to heading off to college or some other type of post-secondary education or training. So, if you haven’t already done so, you may want to start preparing for these costs.

And they can be considerable. During the 2022-23 school year, the average estimated annual cost (tuition, fees, room and board, books, supplies, transportation and other personal expenses) was nearly $28,000 for public four-year in-state schools and more than $57,000 for private nonprofit four-year schools, according to the College Board.

Of course, some students don’t pay the full bill for college. Any grants and scholarships they receive can bring down the “sticker price.” Still, there’s often a sizable amount that students and their families must come up with. To help fill this gap, you may want to explore various strategies, one of which is a 529 education savings plan.

A 529 plan offers several key benefits. First of all, your earnings can grow tax deferred and your withdrawals are federally tax free when used for qualified education expenses, such as tuition, fees, books and so on. You may be eligible to invest in a 529 plan in most states, but depending on where you live, you may be able to deduct your contributions from your state income tax or possibly receive a state tax credit for investing in your home state’s 529 plan. Tax issues for 529 plans can be complex. Please consult your tax advisory about your situation.

And 529 plans aren’t just for college. You may be able to use one to pay K-12 expenses, up to $10,000 per student per year. (However, not all states comply with this 529 expansion for K-12, so you might not be able to claim deductions and your withdrawals could be subject to state tax penalties.)

A 529 plan can also be used to pay for most expenses connected to apprenticeship programs registered with the U.S. Department of Labor. These programs are often available at community colleges and combine classroom education with on-the-job training.

Furthermore, you can now withdraw funds from a 529 plan to repay qualified federal private and student loans, up to $10,000 for each 529 plan beneficiary and another $10,000 for each of the beneficiary’s siblings.

to pursue any type of advanced education? If this happens, you, as the account owner, are free to name another family member as beneficiary.

more flexibility if a child foregoes college or other post-secondary education. Due to the passing of the Secure Act 2.0 in December 2022, unused 529 plan funds of up to $35,000 may be eligible to roll over to a Roth IRA of the designated beneficiary. have had your 529 plan for at least 15 years. To determine if you qualify for this rollover, you will want to consult your tax advisor.

be something to consider for your family’s future. qualified education expenses may be subject to federal and state taxes, plus a 10% penalty. Make sure to discuss the potential financial aid impacts with a financial aid professional.

Greater Boerne ChamBer of CommerCe marCh uttinGs

The 100 Club of Kendall County strives to assist the first responders and their families in the county in any way needed. From line of duty death assistance, scholarships funds, family programs and more, this nonprofit is there to support those who support us and keep out community safe. To learn more about their mission or donate, go to 100clubkendallcounty. org! Be sure to mark your calendars for Saturday, April 1st at 6:30pm for the 2nd Annual Boots for the Badges Bash at Dog & Pony Grill! Congrats on 40 years of serving our community, 100 Club of Kendall County!

It’s In The Books strives to provide comprehensive bookkeeping services and back office support to clients so they can focus on running their businesses as efficiently as possible. Whether the work is done on site or remotely, all clients can expect the same high level of service from Stacey and her team. With 16 years of experience, their services include small business accounting and bookkeeping, Quickbooks assistance, personal finance tracking and more! If you’d like to learn more about It’s in the Books’ services or schedule a meeting, go to itsinthebooks.com or call (210) 978-0069.

Boerne Parks & Recreation had a official unveiling of the new interpretive signage at Veterans Plaza on March 6, 2023. Celebrating the 100th Anniversary of the Graham Monument, a memorial to fallen soldiers from the area, located at Veterans Plaza. It was announced during the ceremony that the 100-year-old park was officially designated a “Lone Star Legacy Park” by Texas Parks and Recreation Society for its service to the Kendall County military community through the years! Congratulations to the City of Boerne - City Government, Boerne Parks & Recreation and Patrick Heath Public Library on this huge accomplishment.

Align Chiropractic and Wellness strives to help as many people as possible live the life of their dreams and to reach health goals that they thought not possible. They believe that we should start our lives WELL and stay WELL, and not be constantly chasing health or masking symptoms. From advanced spinal correction to chiropractic adjustments, the level of assistance and knowledge their chiropractors offer is much more safe, comfortable and efficient than ever before! To set an appointment, meet the Doctor and more, go to Align Chiropractic and Wellness’ website alignchiroandwellness.com or give them a call at (210) 774-4861.

Located in the heart of the gorgeous Texas Hill Country, on 310 acres along the Guadalupe River, the Dos Palomas Ranch was made for memories! Whether you’re getting married, hosting a special event, or throwing a corporate party where you need privacy and serenity, you won’t find a venue quite like this.To view their gallery, all locations within the property and more, give them a call, head to their website dospalomasranch.com, call them at (361) 319-2727, email them at info@dospalomasranch. comor stop by and visit them today at 943 FM 473 Boerne just outside of Sisterdale!

PAX Financial Group understands that life can get complicated. As your wealth grows, you need a partner who can help you sort through real-life financial complexities so you can live the life you want. With PAX, you get advice from fiduciary advisors who are passionate about investing in your life, as they believe that the benefits of full-service advice should be available to everyone, no matter your account balance. If you’d like to learn more about their services, or schedule a 15 minute call, go to paxfinancialgroup. com or call Ron at (830) 868-8046. Congratulations PAX Financial Group on your beautiful new office space located at 908 S. Main Street in Boerne!

Schweitzer Engineering Laboratoriesspecializes in creating digital products and systems that protect, control, and automate power systems around the world. This technology prevents blackouts and improves safety and power system reliability. A 100 percent employee-owned company headquartered in Pullman, Washington, SEL has manufactured products in the United States since 1984 and serves customers worldwide. The Schweitzer Engineering Laboratories team in Boerne specializes in supporting SEL’s customers throughout the region. Interested in learning more? Go to selinc.com or call (830) 249-1940!

Aaron, Liz,

of

Collins Real Estate Team are a group of experienced real estate agents dedicated to helping you sell or buy your hill country dream home.They now serve Boerne, Fair Oaks, Comfort, Bulverde, Bandera and the greater San Antonio area. They offer a complimentary personalized Market Analysis of your home and neighborhood if you’re thinking about selling! To request information or to contact the team, go to collinsrealestateteam.kw.com, call (210) 478-1876 or stop in their Boerne office located at 1018 River Rd., Suite 300! Congratulations and thank you for all you do for our community, The Collins Real Estate Team!

Melissa and Suzanne

The

Owners of Love&Serve WELL, Dwight & Brittany, are Independent Certified OPTAvia Coaches! They have gained the tools for lifelong health and they love sharing these tools to help others live their BEST LIFE. Together, they have shed 55 pounds! Dwight & Brittany are those parents who, in their 40s, are in the pool playing with their children, splashing around, and having so much fun! These wins have positively impacted their three children. It’s been a blessing for their family, being OPTAvia coaches. It’s so fun to help others find health! Your best life is waiting. If you are done with the struggle, Love&Serve WELL can start with a conversation to determine if you are truly ready. The first step is to fill out this wellbeing survey: form.jotform. com/212714695238158 . Interested in learning more? Contact Brittany at (719) 2384737 or email brittanywhealthcoach@gmail.com.

The Pearl Antler is bringing fun and fabulous clothing and accessories to real people who believe in the American Dream. The mission for the store is to provide a size inclusive place to shop, and a welcoming environment to everyone who walks through the doors! We are so excited to welcome them to the Hill Country Mile! Stop by this weekend to check out the updated and beautiful new store front, located at 322 S. Main St. Ste A in Boerne. Can’t shop in person, but want to shop online? Go to thepearlantler.com! Congrats again to The Pearl Antler team!

The Junkluggers is your trusted eco-friendly residential and commercial junk removal company serving Boerne, San Antonio, New Braunfels and the surrounding area. Their professional team of luggers specialize in a wide variety of junk removal projects including garage cleanouts, estate cleanouts, storage unit cleanouts, furniture & mattress removal, curbside, office cleanouts, warehouse cleanouts, e-waste recycling, and more! The Junkluggers even has a nationwide goal to eliminate 100% of reusable junk items in landfills by the year 2025. To book a free, no-obligation estimate or professional removal service, go to junkluggersofsanantonio.com or call 800 LUG-JUNK! Congrats on 2 years, The Junkluggers!

NNow is the time! Now is the time to tone up your body! Proper nutrition and resting periods lead to optimal performance. Proper nutrition makes you feel better, recover faster, and perform at higher levels. You wouldn’t dream of using regular gas in your Porsche when it requires premium octane for optimal performance. Optimal performance requires the right amounts and forms of nutrients and vitamins. Many of us have nutritional deficiencies or are taking medications that cause nutrient depletion which makes it harder to perform at your best. High intensity activity depletes your body even more. If your exercise regimen is something you want to continue indefinitely, then you must address your nutrients and other factors such as a healthy immune system, blood sugar regulation and hormone balance.

Maintaining a healthy immune system is not as hard as most people think. Exercising regularly, sleeping 7-9 hours every night, de-stressing daily, and taking adequate amounts of zinc, vitamin D3, vitamin C, and amino acids top the list for healthy immune function. Annie’s Apothecary staff handpicks the supplements you should be taking based on your needs and activities. If you are not getting adequate sleep or you can’t de-stress, you can achieve them through meditation, purposeful breathing, counseling, and targeted supplements.

Blood sugar regulation is often overlooked when trying to lose weight. Many people look at calorie and fat intake when trying to trim down. However, sugar is usually the biggest barrier to achieving goal weight and body composition. Stable blood sugar helps prevent cravings and signals your body to burn stored fat cells for energy. Cravings can wreak havoc on anyone’s personal goals. Start your day with protein shakes for breakfast, instead of typical carbohydrate foods to maintain level blood sugar. XymoBolX® and FitFood Lean® protein powders can be mixed in plain water or added to your favorite blended shakes. They are also great for post-workout muscle recovery.

Leptin is a hormone made in adipose tissue (aka fat cells) that con-

Spring Tone Up

by Dr. Leigh Ann Greenberg, RPh

trols appetite and regulates energy. More fat cells mean higher leptin levels. High leptin levels cause leptin resistance (similar to insulin resistance). Leptin resistance causes the body to ignore leptin’s messages. These messages are important for telling you when to stop eating and telling your body when to release insulin. Leptin resistance makes it more difficult to lose weight. Leptin Manager® supports your body’s receptiveness to leptin’s messages. Our bodies produce many other hormones that each play a role in our body composition. Thyroid, insulin, estrogen, testosterone, progesterone, cortisol and even melatonin should also be balanced for optimal body composition.

Our bodies are very complex machines that require constant attention and fine tuning, just like a Porsche. It’s ok to ask for help on your journey of achieving optimal health and wellness. Annie’s Apothecary can help you by offering private consultations, food inflammation testing, and practitioner grade supplements. A spring tone up will have you feeling and looking your best this summer. BBM