Boerne Business Monthly - August 2019

Volume 12, Issue 02: August 2019

BOERNE business monthly

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5 WAYS TO RUIN YOUR RETIREMENT

Be our guest

CBD: WHAT’S THE HYPE? LOCAL NEWS & INFO

SMART businesses annually review their employees to analyze and improve performance.

SMARTER businesses annually review their technology for the same reason.

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publisher's note I am excited to feature Boerne’s newest hotel and conference center, The Bevy Hotel, in this August issue of Boerne Business Monthly! If you haven’t been in yet, I highly encourage you to go look around, grab a coffee, a drink from the bar or have a meal in The Bevy Provisions Company. Turn to page 16 to see the breathtaking space and learn all about it.

If you haven’t noticed, CBD Oil is all the rage these days. Dr. Leigh Ann Greenberg, owner of Annie’s Apothecary, helps us to know how to figure out if what you are buying is legal, safe and effective. She also talks about the health benefits of this oh so popular supplement. Turn to page 24 to learn more.

Also in this month’s magazine, Karl Eggerss shares with us 5 Ways to Ruin Your Retirement, Dylaln Boss of ADKF talks about Reducing Taxable Income from Your Rental Properties, we have a fun-filled calendar of events for you to check out and so much local news and info!

There is so much going on in and around Boerne.

Everywhere you turn there are new buildings and of course LOTS of construction! If you know of something we should tell Boerne about, be sure to let us know!

We love to share all that is happening locally with our readers!

Have a GREAT August!

Lauren Stumberg Publisher

FOR MORE INFORMATION 210.219.6735 | LAUREN@DISTINCT-GRAPHICS.COM | WWW.BOERNEBUSINESSMONTHLY.COM

616 E. Blanco, Suite 201-A Boerne, TX 78006 (830) 816-5131 PCIAWealth.com

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!

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”).

ANGELA TURNER BROKER

210-912-8221 CELL 830-816-2288 OFFICE angelaturnerbbr@gmail.com

Bluebonnet Realty Boerne, Texas 78006

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B oerne B usiness M onthly | August 2019

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

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boernebusinessmonthly.com

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Aerial Yoga Boerne is now

contents

August 2019

08:

finances

5 Ways to Ruin Your Retirement

by Karl Eggerss

We’ve changed our name, not our focus!

Namaste

Check out our class schedules, workshops and all you need for yoga, mindfulness and Aerial Yoga at BoerneYoga.com

10:

calendar of events

11:

economy

16:

cover feature

Texas Best State to Start a Business The Bevy: Be Our Guest

photos by Ron Pritchett

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

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B oerne B usiness M onthly | August 2019

20:

ribbon cuttings

24:

health

26:

newsworthy

28:

taxes

CBD: What’s the Hype?

GVTC Welcomes Newest Board Director, Scott Kramer Reducing Taxable Income from Your Rental Property

by Dylan Boss, CPA – ADKF

30:

celebration

The Dodging Duck Brewhouse is Celebrating 17 Years of Cheers facebook.com/boernebusinessmonthly

Boerne Business Monthly is published by Distinct Media, LLC, copyright 2019. Reproduction is strictly prohibited without prior consent of the publisher. Opinions expressed in Boerne Business Monthly are those of the writers or sources and do not necessarily represent the views of the publisher, nor do they constitute the endorsement of products or services herein. Although the information and recommendations in this publication have been compiled from sources believed to be reliable, Boerne Business Monthly makes no guarantee as to, and assumes no responsibility for, the correctness, sufficiency or completeness of such information and recommendations.

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finances

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5 WAYS TO RUIN YOUR RETIREMENT

Humans are living longer. That’s the good news. The bad news is this longevity requires more work on your part to make your retirement dollars last longer. Whether you are currently enjoying retirement or looking forward to it, avoiding these mistakes could make a huge difference in your experience.

1) SPENDING TOO MUCH. Probably one of the most debated topics in personal financial planning is an appropriate withdrawal rate during retirement. Withdrawal rate is the percentage one takes from their savings each year. Calculating it is easy.

It’s simply your monthly expenses minus your guaranteed income each month (social security, pension, etc.) divided by your total savings. Most financial advisors recommend a withdrawal rate of 4% or less. However, with interest rates at extremely low levels and life expectancies rising, an even safer withdrawal rate is approximately 3% per year. Figuring out your proper withdrawal rate would be easy to determine if you knew precisely when you were going to pass away and how much your investments were going to earn each year until that time; hence, the debate. Some considerations that could influence this rate would be a later retirement and/or if the retiree feels that leaving a legacy is important (inheritance). New research suggests using a variable withdrawal rate based on investment returns and different needs at different stages of retirement. In addition to sticking to a reasonable withdrawal rate, the order in which you take your withdrawals is important as well (IRA, Joint Account, Roth IRA, etc.) These withdrawals can affect your taxes, which is another way of spending too much in retirement.

2) NOT SAVING ENOUGH. This is an obvious point, but what is enough? The answer depends primarily on the amount of income you will have in retirement such as social security and/

by Karl Eggerss

or pensions as well as the lifestyle you want to live. If you are in your 20s and just getting started, saving 15% of your income is a great rule-of-thumb. For the rest of us, generally, the goal is to live a similar lifestyle all your life (most don’t want a major downgrade). There are plenty of online retirement calculators that can help. But, they are only as good as your assumptions. Take time to understand your current expenses. We advise to plan that your expenses before retirement will not materially change during retirement unless a mortgage payment or some other major expense will be paid off. Two of the biggest mistakes we see in planning for retirement is when retirees or their advisors use unrealistic investment return assumptions or inflation assumptions that are too low. Determining the amount to save is the easy part, but doing it is the hard part. The best way to save is by “forced” savings. Paycheck deductions into employer retirement plans work well or just simply doing automatic transfers each month to brokerage accounts, mutual funds, etc. You may be surprised how little you miss the extra dollars.

3) IGNORING INFLATION. According to Vanguard, there is a 45% chance that either spouse will live to age 90. Based on an average retirement age of 65, that is potentially 25 years of retirement for one of the spouses. If inflation is anywhere near the 3% historical average, this translates in to a cost of living that will roughly double over retirement. Most pensions do not offer cost of living adjustments, so you must have additional savings to make up the shortfall as cost of living increases. In addition, while social security does offer cost of living adjustments, they tend to lag the true rate of inflation. The bottom line is that for most retirees, their savings (portfolio) needs to have enough growth potential to give the portfolio the best chance of earning high

Covenant Multi-Family Offices, LLC (“Covenant”) is an SEC registered investment advisor.The information provided in this article is informational and educational in nature and is not intended to be considered legal or tax advice or to replace advise from your investment professional. Covenant makes no warranties with regard to the information herein or results obtained by its use, and disclaims any liability arising out of your use of any information. Moreover, you should not assume that any discussion or information contained in this article serves as the receipt of, or as a substitute for, personalized investment advice from Covenant. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Covenant is neither a law firm, nor a certified public accounting firm, and no portion of the article content should be construed as legal or accounting advice.

PLEASE REMEMBER: Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Covenant, or any non-investment related content, made reference to directly or indirectly in this article will be profitable, be suitable for your portfolio or individual situation, or prove successful. Diversification and asset allocation do not ensure a profit or guarantee against loss; the value of your investments will fluctuate over time which may result in a gain or loss of money.

A copy of Covenant’s current written disclosure Brochure discussing our advisory services and fees is available upon request. If you are a Covenant client, please remember to contact Covenant, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. Covenant shall continue to rely on the accuracy of information that you have provided.

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B oerne B usiness M onthly | August 2019

enough returns to meet their rising expenses over a 25-30 year time horizon. In other words, being too conservative can be just as damaging to a retirement as being too aggressive. We like to call this “losing money safely”. Unfortunately, many people are sold high commission annuities with the promise of great returns and ultimate safety. Generally speaking, we have seen those same annuities give investors less liquidity and mediocre returns.

Ultimately, the comfort you are being sold when you purchase an annuity comes at a high cost and may not keep up with inflation.

4) ABANDONING YOUR PLAN. You or an advisor can come up with an asset allocation, savings rate and/or withdrawal rate that gives you a high probability of success. That is the equivalent of a doctor telling to change your diet and start exercising, but if you don’t stick with it, it doesn’t work. So, your ability to stick with a plan matters more than the plan itself. There are many reasons people don’t stick with their plan, but the two main culprits are fear and greed. Fear causes people to make their portfolio more conservative based on trying to time the next market drop or crying “uncle” in the middle of a market drop. On the contrary, greed causes people to ramp up portfolio risk because they feel like they are missing out when they hear their friends are making amazing returns doing something different. We advise the best solution may mean the plan for you will need to be modified up front (even if not optimal) to ensure that it sticks. Or, conversely you may need coaching to have the fortitude to deal with volatile markets and stick with the plan. Not sticking to a plan is a plan that isn’t worth having.

5) NOT REALLY DIVERSIFYING. We find that many believe they are diversified when they are not. Just because you

own some mutual funds, this does not necessarily mean you’re diversified. The whole point to diversification is that the investments you own do not move in lock step with each other. The financial crisis in 2008 was a great lesson to many that just because your mutual funds have different names, they may move in the same direction which means you’re not really diversified.

Most think of diversification in terms of only stocks and bonds.

While this is a good starting place (and may be your only option in an employer retirement plan such as a 401k), we encourage investors to consider other options. These could include commercial real estate, rental real estate, collateralized financing, commodities, and funds that use alternative trading strategies to manage stock market risk or risk of rising interest rates. Incorporating these strategies typically make a plan easier to stick with because it has a smoothing effect on a portfolio. The most difficult part of true diversification psychologically is that by definition not all of your investments will be “working” in a given year.

While there are numerous ways one can ruin their retirement, these are the five most important ones. Being proactive is the key.

Proper planning can ensure the retirement you desire is the one you get. The season of your life spent working hard is much too important not to consider the ways to have a successful retirement as well as these easy mistakes to avoid. BBM

Karl Eggerss is senior wealth advisor and partner at Covenant Multifamily Offices, LLC. For more information on Covenant, visit www.creatingricherlives.com 114 E. Highland Dr. Boerne 210.526.0057

MARK BUKOWSKI REALTOR®

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August 2019

CALENDAR OF EVENTS

EACH SATURDAY IN AUGUST FARMERS MARKET AT THE CIBOLO 9:00am to 1:00pm | Herff Farm 33 Herff Road – Boerne Shop fresh local produce, farm fresh eggs, breads, jams, jellies, local honey and Texas Hill Country arts and crafts at the historic Herff Farm at the Cibolo Nature Center in Boerne. Enjoy free live music, gardening classes, cooking demonstrations and children’s craft activities, too.This popular Texas Hill Country outdoors farmers market will be open to the public every Saturday from March 2nd through November.

AUGUST 5-31 EDWARD GOREY GALLERY EXHIBIT Library Hours | Patrick Heath Public Library Gallery 451 N. Main St. – Boerne PHPL is featuring a special exhibit during the month of August, to celebrate the Mysteries for Lunch Book Discussion Group's 20th Anniversary. Stop by the gallery during August to enjoy some of the work of Edward Gorey.There will be on display several first edition books by the famous illustrator.

AUGUST 6 GBCC RIBBON CUTTING FOR SWBC EMPLOYEE BENEFITS CONSULTING GROUP 11:30am to 12:00pm | Boerne Chamber of Commerce Board Room 121 S. Main – Boerne The SWBC Employee Benefits Consulting Group leads with an experienced team of best-in-class employee benefit consultants who demonstrate marketplace differentiation by designing, implementing, and managing comprehensive benefit programs that are the right solutions for our customers.

AUGUST 8 GBCC RIBBON CUTTING FOR TECH 1 COMPUTERS 11:30am to 12:00pm | Boerne Chamber Boardroom 121 S. Main St. – Boerne Tech 1 Computer Repair & Services of Boerne,Texas was founded by Jesse Arreola in 2007. In November 2013,Tech 1 Computer Repair & Services opened its new shop in Bandera,Texas. Both shops were established to accommodate the high demand of Boerne/Bandera/Pipe Creek/Lake Hills area customers. Combined, the technicians have over 15 years of professional computer service and IT experience.

12pm-3pm. Please email to schedule a personalized tour.

(830) 331-1033, bahps@mail.com – Cost: Free

SECOND SATURDAY AUTHOR SIGNING 11:00am to 1:00pm | Patrick Heath Public Library Several authors from the San Antonio Romance Authors will be in the library selling their latest books! This is such a fun group... don't miss the chance to meet the authors!

SECOND SATURDAY BLUEGRASS JAM 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.

SECOND SATURDAY ART BEAT 4:00pm to 8:00pm | Throughout Boerne Take a walk on the art side every second Saturday of the month. Look for the flashy banners displayed throughout Boerne. continued on page 14

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 AT YO U A R E 2 4 A N D 7.

GBCC RIBBON CUTTING FOR TEXAS AUTO CURATORS 1:30pm to 2:00pm | 229 Market Ave., Ste. 100 – Boerne Texas Auto Curators focuses on preserving the life, integrity, and value of cherished automobiles by preforming paint correction, precision detailing, followed by sealing in the entirety of a vehicle with a Ceramic Glass Coating.

GBCC BOERNE AFTER 5 MIXER: PRESENTED BY CAVENDER CHEVROLET 5:00pm to 7:00 pm | Cavender Chevrolet 30700 IH 10 W – Boerne AUGUST 10 KUHLMANN – KING MUSEUM TOUR 12:00pm to 3:00pm | 402 E. Blanco – Boerne Located behind Boerne City Hall 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”. Open every Second Saturday of each month from

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B oerne B usiness M onthly | August 2019

You call and we answer around the clock, right here in Texas.

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Texas best state to start a business

T

Texas is 2019's best state in which to start a business, according to WalletHub. ​The Lone Star State was first in business environment and 11th in​ access to resources. It also ranked:​ fourth in longest ​average length​of work week in hours; fourth in average growth in number of small businesses; fifth in highest total spending on incentives as a percentage of gross domestic product; 13th in industry variety; 20th in cost of living; and 30th in labor costs.

"Texas offers a business-friendly environment characterized by low taxes (e.g., no state income tax) and less burdensome regulation that favors a market economy that has created lower costs for doing business," commented Real Estate Center Research Economist Dr. Luis Torres.​ "In addition, this lower-cost environment has helped keep housing comparatively affordable."

Utah, Georgia, North Dakota, and Oklahoma rounded out the top five rankings. Rhode Island ranked 50th.

For more, check out the Real Estate Center's Texas economy page​ on its website. BBM Information courtesy of WalletHub and Real Estate Center Online News

boernebusinessmonthly.com

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Bluebonnet Realty JUDY FILINGERI (830) 816-2288 Leasing & Prop. Mgt.

ANGELA TURNER, BROKER (210) 912-8221

CAREY STEWART (210) 551-2883 Sales & Listings

Since 1989

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Check Out Our Website – www.BoerneTexasHomes.com Properties for Lease: NEW LISTING!

8620 Delta Dawn

4 bedroom, 3.5 baths, 2 master suites, approx 3626 s.f. of living area on golf course lot. Ready for immediate occupancy. $3000

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184 Bluebonnet Circle

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101 Mustang Run

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Available 07/01/2019 $2050

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165 Michelle Lane

3 bedroom, 2 bath in Boerne Heights. $1600

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704 Alamo Road

3 bedroom, 2 bath mobile 1568 s/f/ on 6+ acres. $1300

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138 Hampton Run W.

4 bed, 2.5 bath, in Villas of Hampton. $1550

AUGUST 2019 CALENDAR OF EVENTS | cont’d AUGUST 10-11 MARKET DAYS 10:00am to 4:00pm | Main Plaza 100 N. Main – Boerne On the second weekend of every month, Main Plaza is home to a magical outdoor market.

Hundreds of festive booths display everything from collectibles and remembrances of the past to modern innovations that will bring a smile of wonder to those who stroll past.

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AUGUST 13 CITY COUNCIL MEETING 6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne AUGUST 14 GBCC RIBBON CUTTING FOR PULTE HOMES IN CIELO RANCH 11:25am to 12:00pm Location TBD

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AUGUST 12 KENDALL COUNTY COMMISSIONERS COURT 9:00am to 11:00am Kendall County Courthouse 201 E. San Antonio Ave. – Boerne

B oerne B usiness M onthly | August 2019

AUGUST 15 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! $10 for Adults, $5-Kids Under 6 Free!

LIVE! AT THE LIBRARY 7:00pm to 9:00pm | Patrick Heath Public Library Lobby 451 N. Main St. – Boerne This month's featured musical performer is Ryan Frenchak.The artist has a love for Country, Rock, Blues, and Soul Music, so this should be a great performance! Due to the temperatures outside, August’s Live! At the Library will be held inside the library.

AUGUST 16 MOVIE IN THE PARK: FLASH BACK FRIDAY - "SPACE JAM" 7:00pm to10:30pm | Main Plaza Park 100 N. Main St. – Boerne Grab a blanket or lawn chair and come on down to Main Plaza for an outdoor movie. continued on page 23

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cover feature 16

pictured (left to right): Ross Par tlow, Ed and Elisa McClure, Taylor McClure Covington and Ian McClure B oerne B usiness M onthly | August 2019

W

Be our guest

by Lauren Stumberg | photos by Ron Pritchett

“When coming up with the concept for The Bevy, it was important to us that the hotel not only be attractive to visitors from out of town, but also to create a community space for locals as well,” said Ed McClure, co-owner and operator of The Bevy, who is also founder & CEO of Phoenix Hospitality Group.

The Bevy Hotel, a DoubleTree by Hilton, located in Boerne’s SOBO district (south end of town), opened for business on July 2nd and is Boerne’s first and only full service hotel and conference center. According to McClure, “We built this hotel as a gathering place. We want locals to be able to come and enjoy everything that it has to offer for our community. The coffee bar, the restaurant, bar, and the market are all a part of a very communal lobby that we invite locals to come and enjoy alongside our hotel guests.”

“We have worked long and hard to bring a hotel and conference center to Boerne and are extremely proud of the end result,” said Ross Partlow, co-owner of The Bevy. “This hotel offers guests an authentic experience and we couldn’t be happier with our collection of all things Texas Hill Country.”

McClure added, “Simply look around you. Look at what the building itself is made of and how it’s designed. Explore the food and beverage offerings.

Listen to the music playing. Everything is locally sourced, and everything you continued on page 18

Much like a "bevy," the hotel embodies a cornucopia of all things people come to Texas Hill Country for - diverse food, artisan beverages, authentic regional finishes and true Texas hospitality. boernebusinessmonthly.com

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continued from page 17

see and touch is TEXAS. You taste it, you feel it, and you savor it and it makes all the difference in the world.”

“We’ve always prided ourselves in our Food & Beverage, from the days of Limestone Grill & Ye Kendall Inn to the Guadalupe River Ranch,” said McClure, “But at The Bevy, we’re trying something totally unique by sourcing out the best artisan coffee, smoked meats, & culinary creations from the Texas Hill Country. We’re truly honored & pleased to announce our collection of “unique & curious things” that include local partnerships with Wander’n Calf Espresso Bar & Bakery, Clear River Ice Cream, Blackboard BBQ, Southside Craft Soda, Winding Road Provisions, Treaty Oak Distillery (including customproduced blend The Bevy Hotel Barrel Select), Bending Branch Winery, The Bloody Buddy, Wines of Dotson Cervantes, Deep Eddy Vodka, Blue Chair Bay Rum, and Hill Country Distillers. Partlow also expressed his excitement, “I’ve really enjoyed working with our culinary team over the past year by tasting unique & diverse food & beverage products from the Texas Hill Country to create The Bevy collection.”

The 5-story hotel includes 120 guest rooms and suites with Texas-inspired décor, fixtures and finishes that are entirely American-made. Millwork throughout the hotel spans from the ceilings to the furniture and its bars within are handmade and installed by local craftsmen. Guests can enjoy breakfast, lunch and dinner at The Bevy Provisions Company - a culinary center for

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B oerne B usiness M onthly | August 2019

Texas Hill Country tastes, flavors, and incredible interpretations of traditional and local cuisine, workout in the state-of-the-art fitness center or take a relaxing dip in the luxury pool.

In addition to its ample food and beverage offerings, The Bevy Hotel also brings 15,000 square feet of meetings and events space to Texas Hill Country. “This conference center is something our area has needed for a long time. We have collaborated with the City of Boerne as well as Kendall County on this project for many years. We were proud to have worked closely with former Mayor Mike Schultz, current County Judge Darrell Lux, Convention & Visitors Bureau Director Larry Woods, City Manager Ron Bowman, Assistant City Manager Jeff Thompson, and The Greater Boerne Chamber of Commerce’s CEO Kim Blohm, each of whom was essential in bringing The Bevy to fruition,” said Partlow.

The property's new meeting facilities feature state-of-the-art sound, internet and audio-visual technology. As one of the largest conference centers in the area it offers a perfect venue for business meetings, weddings and other gatherings. The Bevy Hotel

is also the only International Association of Conference Centers (IACC)-certified member in south central Texas. As an exclusive IACC member, The Bevy Hotel represents the most innovative, forward-thinking and results-driven meeting spaces in the country.

Partlow and the McClure family are proud of what has been created with The Bevy.

“We wanted to bring Boerne not just another hotel, but something that was truly unique and that could be enjoyed both by locals and visitors. We believe that we have achieved that,” said Partlow. McClure added, “The community has embraced this project because it is local! We are locally owned, locally managed, locally developed and we offer the finest selection of locally sourced food, beverages and finishes. We built The Bevy for the people of Boerne, but we are sure that the visitors will love it just as much as we do!” BBM

TheBevyHotel.com

1 0 1 H E R F F R OA D – B O E R N E , T E X A S

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COMMERCIAL ~ RANCHES ~ RESIDENTIAL PROPERTIES boernebusinessmonthly.com

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ribbon cuttings

Greater Boerne Chamber of Commerce July 2019 Ribbon Cuttings

Terri J Wright was at the point where sheI realized her health, family, and friends were all suffering. She finally realized she needed to make some time for herself. That’s when she talked to a mentor about where she was in life. This experience completely turned her life around. If you don’t have the mental energy to figure things out, or you don’t have the time you need to make the positive changes in your life, Terri can help. If you know something’s got to give, but you don’t want that to be your health or relationships, Terri can help. She was there. Book a complimentary strategy session with Terri to help you achieve your goals and have a clear plan to get there. You can call Terri at Terri J Wright Coaching at (830) 331-5750 and visit her website terrijwrightcoaching.com.

With medical eye doctors, a retina specialist, a pediatrics specialist, an ophthalmic pathologist and optometrists, Medical Center Ophthalmology Associates offers every aspect of eye care under one roof in both the San Antonio area and Del Rio and now Boerne. This means you and everyone in your family can expect total vision care and the expertise and experience needed to take on and care for any eye-related concern. Dr. Darren Bella M.D., Physician Liaison Rachel Serra and their experienced staff at Medical Center Ophthalmology Associates are located in the Methodist Medical Center at 134 Menger Springs, Suite 1130. To make an appointment, call (210) 697-2020 or go online mcoaeyecare.com.

Rustic Heart Resale and Vintage Treasures is a unique store selling vintage items, resale clothing and goods, retro and one-of-a-kind finds! Owner Lanette Garvin opened her store in March, 2019 at 720 Johns Road in Boerne, be sure to stop in and take a look. You can call Lanette at (830) 484-4440 and be sure to like and follow Rustic Heart Resale and Vintage Treasures on their facebook page facebook.com/rusticheartresale.

We cut the ribbon at Surgery Center of Boerne! Surgery Center of Boerne is located at 112 Herff Rd, Ste. 200 in Boerne and focuses on offering a high quality, service oriented environment for your surgical procedure.

Administrator Nina Davis, the staff and physicians’ mission is to care for every patient and their family as if they were their own. You can call Surgery Center of Boerne at 830-331-7700 and visit their website surgerycenterofboerne.com to learn more about their services.

Congratulations to Wild Arrow Ranch on their ribbon cutting! Wild Arrow Ranch is a family-friendly bed & breakfast and event venue located at 10 Manning Road, Waring in the beautiful Texas Hill Country. They are more than a Bed and Breakfast and Event Venue, they have a mission. Wild Arrow Ranch is the first location for their organization, Wellsprings. Wellsprings is a 501c3 non-profit organization that exists to benefit the First Responders in our communities. Law Enforcement Officers, Active Fire Fighters, Dispatch Personnel, and Emergency Medical Personnel receive extreme discounts and on-site perks reserved only for them when they stay at Wild Arrow Ranch.

Visit their website at wildarrowranch.com for more info.

Visit CBD American Shaman Boerne Hill Country to find all of your hempbased edibles, tinctures, ointments, and more. Their store uses only the highestquality cannabidiol ingredients around which are 100% organic, natural, gluten-free, and non-genetically modified; it’s why their CBD has the potential to treat a wide range of ailments. They’re located at 31007 IH 10 W., Suite 108, right off of I-10 and are conveniently located adjacently to the Toyota Boerne dealership. CBD American Shaman Boerne Hill Country is Boerne’s premier organic CBD store, so if you have any questions, please call owner Derenda Shewbert at (830) 368-5020. Be sure to visit their website boernecbdstore. com as well.

Yellow Rose Staging provides an all-inclusive interior design service to optimize and accentuate the positive aspects of their client’s property’s interior, creating a vision that projects a desirable lifestyle to a prospective buyer.

Owner and Lead Designer Melinda Walton’s goal is to maximize the value of her client’s home and she is a published and award-winning interior designer with experience working coast to coast in the United States and internationally on a wide variety of projects. Yellow Rose Staging is located in Boerne, Texas and you can call Melinda at (830) 331-7436. For more information be sure to visit the website yellowrosestaging.com.

Owner Cyndi Roberts founded Blinded by Delight 15 year ago in San Antonio. The primary goal at Blinded by Delight is to educate their clients on the various options with many products and vendors with all different price points. The finished product is their client’s choice based on what is most important to them: be it price point, versatility, or uniqueness for their home. Blinded by Delight just opened their second location at 1100 N Main St #105, in Boerne, Texas. Be sure to stop in and check their store out. You can call Cyndi and her staff at (210) 336-5266 and visit their website blindedbydelight.com.

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B oerne B usiness M onthly | August 2019

At Broadshield Custom Homes and Contractors, they pride ourselves in being a Texas green builder and experts in rural construction. Owner Kevin LeStourgeon and his team offer construction solutions for clients who are interested in custom homes, metal buildings, horse ranches, barndominiums, and insurance reconstruction. Based in Boerne, Texas, Broadshield prides itself in being knowledgeable of local building requirements and the techniques necessary for building in the terrain of the Texas Hill Country. You can find Broadshield Custom Homes and Contractors at 10008 Johns Road in Boerne, Texas and their phone number is (830) 331-9993. Be sure to visit their website broadshieldllc.com for more information.

NEW LISTING TOOLS SELL HOMES FASTER! AWARD WINNERS!

Tessmer Law Firm, P.L.L.C. is owned and operated by Heather Clement Tessmer, attorney at law.

She has over 20 years of experience practicing law. Heather graduated from St. Mary’s University Law School and began her career as an attorney in 1999. In 2001 she relocated with her family to San Angelo, Texas, where she opened her own office. In 2005, Heather moved back to the San Antonio area, opening her first office in Fair Oaks Ranch, Texas. Since 2005, Tessmer Law Firm has been continuously growing and is now headquartered at the Lincoln Center building in San Antonio, Texas and has just opened a second office located at 402 E. San Antonio Ave in Boerne, Texas. They have evolved into a “full-service” firm – assisting clients through every facet of legal representation in family law, estate planning, and personal injury cases. You can contact Tessmer Law Office at (210) 368-9708 and visit their website tessmerlawfirm.com.

Go Away Pest Control is a locally Owned & Operated business serving the Boerne, Bulverde, Spring Branch & San Antonio Areas Owner Jim Beakley and his staff have over 35 years of pest control experience and pride ourselves on offering customized solutions to meet your commercial and residential pest control needs. Their services include treatments and plans for residential, commercial, industrial & food processing, hospitals & healthcare, lawn & yard and and they offer humane critter, bird and bat removals. Get Pest Free with Go Away Pest Control by calling (830) 428-1699 and like and follow their facebook page facebook.com/Go-Away-PestControl-2026208710824089.

*Tiffany Joslin (210) 394-4399

*Rene Campbell (210) 542-0148

Jim Campbell (210) 838-1896

Steven Karam (210) 414-0105

Wiley & Kathy Cloud, Brokers (830) 755-8693 | (210) 710-6601 Texas Physical Therapy Specialists (TexPTS) has opened a new office at 112 Herff Road, Suite 310 in Boerne, Texas and is a private physical therapy practice with 30 locations throughout the state of Texas. Dr Jordan Mazick and her staff provide hands-on physical therapy based on the newest research and are committed to getting you the best results in fewer visits. Known for teaching and training physical therapists all over the United States, they take pride in being experts in their field. TexPTS is home to more board certified specialists than any other practice in Texas! You can call Texas Physical Therapy Specialists at (830) 430-8660 and visit their website texpts.com.

Real Estate Office:

(830) 755-8693 Career Inquiries (830) 755-8693

boernebusinessmonthly.com

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B oerne B usiness M onthly | August 2019

AUGUST 2019 CALENDAR OF EVENTS | cont’d

SonoraBank.com

AUGUST 17 HOT ROD NIGHT 6:30pm | Soda Pops 103 N. Main – Boerne Live Music! Classic Cars & Hot Rods Cruise In! Hot Rod Saturday Nights are reminiscent of Old Fashioned Americana Street Parties...

A gathering place for old and new friends.The Ricky Adams Band takes the stage (classic rock and classic country)!

Lisa and Josh Lannon Founders, Warriors Heart warriorsheart.com

MOONDANCE CONCERT SERIES 7:00pm | Cibolo Nature Center 140 City Park Road – Boerne BYOB, chair, and picnic for a concert beneath the Texas stars! $15 Adults Non-Members; $10 Members; $5 Students; Under 12 Free!

AUGUST 20 GBCC WORKSHOP: HOW TO MAKE YOUR MARKETING PAY 8:30am to 9:30am | Boerne Chamber of Commerce Boardroom 121 S. Main St. – Boerne Robert Upton with Texas Business Buyers will be presenting on "How to Make Your Marketing Pay.” Workshop will cover getting clarity on your who your ideal client is, how they think and what they really want; aligning your message to cause action in your prospect; developing an overall marketing strategy that works.You will leave with information you can implement in your business! $5 for Members and Future Members. Includes Breakfast!

GBCC RIBBON CUTTING FOR MIRALOMAS' NEW SECTION 11:30am to 12:00pm Enter Miralomas at: 440 TX-46 – Boerne AUGUST 22 GBCC RIBBON CUTTING FOR MCCAMMON & MURRAY, PC 11:30am to 12:00pm 138 Old San Antonio Rd., Ste. 504 – Boerne McCammon & Murray focuses on business and estate planning for individuals and small to mid size businesses.They strive to use flat fee billing practices and cost conscience approaches to solving problems.

GBCC RIBBON CUTTING FOR CREST HOME HEALTH 1:30pm to 2:00pm | 604 N. Main St. – Boerne Crest Home Health has established itself as a leader in the home health community by being a professional organization that is committed to quality patient care.

GBCC BOERNE AFTER 5 MIXER: PRESENTED BY MARK MOTORS 5:00pm to 7:00pm 140 Enterprise Parkway – Boerne

“It’s great to work with an experienced bank who gave us a shot at our dream. Sonora Bank is a partner who truly understands our mission of helping those who are serving and have served our country and communities.”

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 an d 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-L P O | S A N A N G E LO | S O N O R A

AUGUST 24 MYSTERY CELEBRATION WITH AUTHOR JOE MCKINNEY 2:00pm to 4:00pm | Patrick Heath Public Library 451 N. Main St. – Boerne As part of the Mysteries For Lunch 20th Anniversary Celebration, award-winning author Joe McKinney will make a special appearance! He will talk about his books, and his work on the San Antonio Police Force.This event will also feature mystery trivia, refreshments and prizes! All are invited, and books by Joe McKinney will be on sale.

AUGUST 27 CITY COUNCIL MEETING 6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne

AUGUST 29 – SEPTEMBER 1 KENDALL COUNTY FAIR AND RODEO The Kendall County Fair Association works hard to maintain the agricultural traditions, enhance agricultural education and encourage rural development both now and into the future.There will also be lots of vendors to check out.The vendors have awesome food, jewelry, hand crafted items and so much more! The Queen’s Pageant will be held on Thursday night, Rodeo on Friday, Saturday & Sunday, Livestock show on Saturday & Sunday and the great exhibits in the Homestead Heritage Exihibit Hall.These exhibitors put their heart and soul into these exhibits – take some time to stroll through! Don't forget the Parade on Main Street on Saturday morning!! www.kcfa.org

continued on page 27

boernebusinessmonthly.com

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health

WHAT’S THE HYPE?

N

by Dr. Leigh Ann Greenberg, RPh – Annie’s Apothecary

Now that CBD (cannabidiol) is readily available at retail shops, pharmacies, gas stations, and yes, even the meat market and coffee shops, how is a person to know what is legal? And more importantly, what is safe and effective? Let’s tackle the legalities first. Pursuant to the 2018 Farm Bill Act approval, Texas legislators passed HB1325 this summer allowing farmers to grow hemp and produce consumable hemp products containing cannabidiol (CBD) as well as other edible parts of the hemp plant provided they contain <0.3% THC, the psychoactive component associated with getting high. Although this bill is already in effect, hemp growers must wait until 2020 to start their first crop to allow the US Dept of Agriculture to create rules and regulations including testing processes for THC content and pesticides. Texas Dept of State Health Services (DSHS) is also required to create a registration process for retailers of consumable hemp products (CBD oil, gummies, treat, etc).

Retailers who currently sell hemp-derived CBD products from other states can continue to do so provided it also has <0.3% THC. They MUST register with the state once that process is available. Development of testing procedures are currently under way to determine the difference between

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B oerne B usiness M onthly | August 2019

medicinal marijuana and hemp-derived CBD. Although the state now allows some THC content, be aware that some employers who do drug-testing may not allow ANY THC regardless of the source. In that case, a THC-free product would be necessary.

Now that we have discussed the current legal landscape of CBD, let’s talk about the health benefits. CBD is often regarded as the single most important cannabinoid ever discovered. With on-going research, the list of uses continues to grow, giving more people hope to enhance their overall quality of life. Many people see improvements with pain, sleep, anxiety, mood and other inflammatory issues. Some people will tell you it’s the cure-all for any disease. As a pharmacist, I will tell you it isn’t. Yes, it helps many of our patients with their symptoms, but we also look at the root cause of symptoms. These root causes could be food sensitivities, hormone imbalance or nutrient deficiencies to name a few. There are also some documented drug interactions with CBD oil; therefore, speaking with a healthcare provider prior to starting CBD-containing products is recommended. I also encourage using a brand of CBD that routinely performs potency testing on their CBD isolate for

impurities and potency in addition to testing their end products.

Current regulations don’t require end-product testing; therefore, it is imperative to purchase from a trustworthy source. Since CBD is all the rage right now, not all companies have the consumers’ interest in mind and may be tempted to take shortcuts in production. Reputable sources will provide Certificates of Analysis with their products to ensure pesticides and heavy metals are not found in their oils. I also recommend choosing a product that uses full or broad-spectrum extraction to allow synergism of the other cannabinoids In conclusion, CBD may be a great choice for you to add to your healthcare regimen. Top things to remember: 1. Check your company’s policy on THC testing to determine if you require a THC-free product. 2. Review your medication list with your healthcare provider for possible interactions. 3. Ensure the quality of your CBD is free of pesticides and heavy metals and has the CBD content labeled on the product. 4. If CBD supplementation doesn’t provide expected results, consult your healthcare provider to determine the true root cause of your symptoms. Feel free to speak with our staff at Annie’s Apothecary regarding CBD supplementation.

See our ad for CBD discounts during August. BBM

cbdMD CBD Oil

cbdMD Oil Tincture Drops contain the highest premium cannabidiol currently legal in the United States. cbdMD only uses 100% organic hemp, grown and processed at their farms and facility in the United States. Gluten-free and vegan certified, their CBD oil tincture drops are also nonGMO. Their innovative hybrid broad spectrum extraction technique produces the industry's only true full-plant cannabinoid extract containing zero THC.* Get $5 off all cbdMD Oils in August. Use promo code CBD5 online at AnniesRx.com *“CBD Oil Tinctures.” www.cbdmd.com/cbd-oil-tinctures.

anniesrx.com

211 S. Saunders – Boerne

830-981-4774 AnniesRX.com 211 S. Saunders St. Boerne, TX 78006

“The Only Accredited Compounding Pharmacy in Kendall County!”

GREAT HAIR DOESN’T HAPPEN BY

CHANCE IT HAPPENS BY APPOINTMENT

B CUTS • COLOR • STYLING Appointment booking available online at

barbiesinboerne.com (210) 330-6676 725 N. Main Street – Boerne, Texas

STYLIST BOOTH SPACE AVAILABLE MAKE YOUR OWN SCHEDULE – BE YOUR OWN BOSS! CALL (210) 330-6676 FOR MORE INFO!

Facials Chemical Peels • Microdermabrasion • Dermaplane • Waxing & More!

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SKINBYJOHNNIE.COM boernebusinessmonthly.com

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newsworthy

A

GVTC Welcomes Newest Board Director, Scott Kramer!

At their Annual Meeting held at the New Braunfels Civic Convention Center, GVTC gave a warm welcome to their newest Director elected to the Board, Mr. Scott Kramer of Kendall County.

On the ballot this year, five positions on the GVTC Board of Directors were open for election. Four of the five elected members included incumbents, with Kramer being the fifth and latest addition to the Board where he will serve as Director of District III, Position 4 and replace longtime board member, J.B. Lester, who retired after faithfully serving on the GVTC Board of Directors since 1961.

Originally from Iowa, Kramer has over thirty years of experience in the tech industry, working with companies ranging from IBM, Motorola, and Silicon Valley startups.

Kramer worked at IBM during the rise of the internet and IBM’s commercial PC development. His knowledge, exposure, and vision for telecommunication services bring a unique set of skills to the GVTC Board of Directors. He has resided in Kendall county

for over eight years and is a loyal GVTC member and neighbor to all.

When asked why he ran for the position and what inspires him, Kramer stated, “I’m encouraged by GVTC’s involvement in the community first and foremost and am excited to be a part of the growth. GVTC’s a technological leader not just in our service area, but the entire country. I aim to serve on the Board well and to help propel us even further.”

ABOUT GVTC: GVTC is an award-winning fiber optics communications provider delivering highspeed Internet, digital cable TV, phone and interactive home security monitoring to residential and business customers in far north San Antonio, the Texas Hill Country and South Central Texas. GVTC offers Internet connection speeds up to 1 Gbps and symmetrical broadband connections up to 250 Mbps.

GVTC’s wholesale carrier transport network delivers Ethernet data delivery between San Antonio, Austin, Dallas, and Houston, with access to remote Texas markets.The company’s philanthropic arm,The GVTC Foundation, is celebrating more than a decade of charitable giving. With more than $3.3 million in contributions throughout GVTC’s service area. BBM

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We take a team approach to addressing a variety of vascular problems including: · Leg Pain & Leg Circulation Problems · Blocked Arteries · Stroke · Vein Disease · Amputation Prevention · Dialysis Access · Aneurysm More Treatments. More Options.

We customize your treatment plan to your unique condition and lifestyle.

Seth Fritcher, MD

Mark Wengrovitz, MD

134 Menger Springs, Ste. 1100, Boerne, Texas 78006 | 210.614.7414 | PVAsatx.com

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• 2,640 pounds of meat • 2,500+ Attendees • Over 500 Volunteers • 28 SCHOLARSHIPS GIVEN TO DATE

All for One Great Cause!

THE DODGING DUCK BREWHAUS 402 River Road - Boerne, Texas 78006 (830) 248-3825

WWW.DODGINGDUCK.COM AUGUST 2019 CALENDAR OF EVENTS | cont’d AUGUST 29 GBCC RIBBON CUTTING FOR CRESTMONT CHRISTIAN PREPARATORY SCHOOL 11:30am to 12:00pm | 631 S. School St. – Boerne Crestmont Christian Preparatory School is a Certified University-Model School® and a member of UMSI, Inc. (University Model Schools International). Crestmont Prep is also an AdvancED accredited school.

GBCC RIBBON CUTTING FOR SAN ANTONIO CENTER FOR SPIRITUAL LIVING 1:30pm to 2:00pm 928 State Hwy. 46 E – Boerne San Antonio Center For Spiritual Living is a spiritual community that honors all paths to God and can help you experience a personal relationship with God.

mark your calendars for the next

Kendall County Wild game dinner NOVEMBER 2, 2019

AT THE KENDALL County FAIRGROUNDS

AUGUST 31 HOT ROD NIGHT 6:30pm | Soda Pops 103 N. Main – Boerne Live Music! Classic Cars & Hot Rods Cruise In! Hot Rod Saturday Nights are reminiscent of Old Fashioned Americana Street Parties...A gathering place for old and new friends.

CONCERT IN THE CAVE - MARBRIAGO TRIO 7:30pm | Cave Without A Name 325 Kreutzberg Road – Boerne The Marbriago Trio includes Mark Landson (viola), Brent Buemi (clarinet), and all-around multi-talented piano gymnast Thiago Nascimento (piano). As the Marbriago Trio, the three have bonded musically over the years, creating their own hyper-romantic interpretations of the trio repertoire for Viola, Clarinet and Piano. Advance until 5 PM day of show - $30; At the Door - $35 BBM boernebusinessmonthly.com

27

taxes

Reducing

Taxable Income

I

from your

Rental Property

In December of 2017, the Tax Cuts and Jobs Act was signed into law, which created IRS code section 199A, the Qualified Business Income Deduction.

While the details of the code are inexhaustible, for our purpose it is only important to understand the basic nature of the 199A deduction. In a sentence, the 199A deduction is a potential 20% phantom deduction from your trade or business income. For example, if your business makes $100,000 in a year, the business may be entitled to a $20,000 phantom deduction and pay tax on only $80,000, provided the business meets certain limitations. This is a sizable tax break for owners of trades and businesses.

However, the IRS generally does not consider a rental property to be a trade or business. Therefore, owners of residential or commercial rental properties would generally not qualify for this new deduction. But in January of 2019, the IRS released Notice 2019-07, which institutes a safe harbor for rental real estate owners who may otherwise not be able to take the 199A deduction. Notice 2019-07 applies to individuals, pass-through entities, and disregarded entities.

Before we discuss how to qualify under the safe harbor, let’s review a few types of rentals Notice 2019-07 does not cover. Triple-net leases are not eligible for this safe harbor. In a triple net lease, the tenant or lessee pays for taxes, fees, insurance, and is responsible for maintenance. The IRS argues that you cannot be active in such a scenario.

Additionally, if you use a rental property as a per-

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by Dylan Boss, CPA – ADKF

sonal residence for more than 14 days during the taxable year, you will not qualify for the safe harbor. Finally, if your rental property is leased by a company that you own, the safe harbor is not necessary to use because the rental activity is considered to be a part of the trade or business for purposes of section 199A. If none of these scenarios apply, you are likely eligible for the safe harbor, so long as the following three qualifications are met.

1. You must have at least 250 hours of rental services performed for each Rental Real Estate Enterprise. A Rental Real Estate Enterprise is defined by the IRS as “an interest in real property held for the production of rents and may consist of an interest in multiple properties.” The phrase “multiple properties” is important because you can consider your entire residential rental portfolio as a single enterprise. The 250-hour test can be aggregated amongst all rental properties, making it considerably easier to meet the limitations. The only restrictions on aggregation are: you cannot vary the treatment of aggregation year-to-year, and commercial rental and residential rental must be considered as separate enterprises, and not co-mingled.

What activities qualify for the 250 hours of rental services? Below is a list provided by the IRS: • Advertising • Negotiating and executing leases • Reviewing and verifying tenant applications • Collection of rent • Daily operation, maintenance, repairs • Management • Purchase of materials • Supervision of employees and contractors Fortunately, you do not have to perform all these activities. These services can be performed by the owner, employees, agents, or independent contractors, which again makes this test easier to meet.

2. How does the IRS know these services were performed? The second test is keeping contemporaneous records. These records should include hours worked, a brief description of the service performed, the date of the service, and who

performed the service. Again, these records should be kept contemporaneously. Keep a logbook when you are making your rounds, or have an employee send you an email or text so you can log their hours.

3. Lastly, separate books and records must be maintained for each Rental Real Estate Enterprise. You must have a good set of financial data to substantiate your income and expenses. It is also imperative that you file any necessary 1099s. Remember, you are asserting you are a trade or business. Proper reporting is paramount to substantiate that assertion.

You have now met all the qualifications to qualify under the safe harbor provisions of Notice 2019-07, congratulations! But how is the safe harbor election made on your tax return? The return must include a statement that all qualifications have been met. The statement must be signed and dated under penalties of perjury and filed with your return. Fortunately, the IRS produced a statement form that can be signed and attached to the return. This election must be made annually.

Every rental situation is unique and could require additional planning. If you have any questions regarding the application of this notice, or how it relates to the new tax law, please do not hesitate to give us a call. We enjoy walking through these scenarios with our clients. BBM

Akin, Doherty, Klein & Feuge, P.C. is proud to announce Scott Kopecky as Managing Partner and Joe Hernandez as Chief Operating Officer

Scott Kopecky, CPA Managing Partner

Dylan Boss, CPA, is a Tax Manager at Akin, Doherty, Klein & Feuge, P.C. (ADKF). Dylan graduated from the University of Incarnate Word and has been preparing taxes for ADKF since 2012. As a Boerne native Dylan is proud to be able to raise his family in the same town he grew up in.

Joe Hernandez, CPA Chief Operating Officer

AC C OUNTING FOR YOUR SUC CES S

WWW.ADKF.COM | (830) 387-4441 | 616 E. BLANCO, SUITE 300E, BOERNE

When injury gets you out, weâ&#x20AC;&#x2122;ll get you back.

Matthew Dwyer, MD

Alexandra Matthews, DO

ChristOpher I. Phelps, MD

Board Certified Orthopedic Surgeon

Fellowship-Trained Sports Medicine Specialist

Board Certified, Fellowship-Trained Orthopedic Surgeon

210-545-7171 | OrthopedicPerformance.com A D U LT

A N D

P E D I A T R I C

O R T H O P E D I C S

Boerne: 134 Menger Springs, Suite 1210 | Stone Oak: 1139 E. Sonterra, Suite 500 Sports Medicine: 225 E. Sonterra, Suite 206

boernebusinessmonthly.com

29

celebration

The Dodging Duck Brewhaus is celebrating 17 years of cheers!

S

Starting August 1st, they will be releasing their first ever BARREL aged beer! They are also giving away 200 glasses with the purchase of the barrel aged beer.

The Dodging Duck Brewhaus is a favorite among locals and tourists alike. Their warm atmosphere and abundant hospitality, paired with mouth-watering meals and superb beverages have kept customers coming back for 17 years now! Join them this month as they celebrate! BBM

www.dodgingduck.com Why United Texas?  Local decision making  Low rates  Straighhorward applicaaon  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

David Gray

VP Member Business Lending

1440 South Main 210.561.4578  davidg@utxcu.com utxcu.com

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B oerne B usiness M onthly | August 2019

lonestarboerne.com 222 S. Main | Boerne, Texas (830) 249-7979

We Don’t Just Sell the Texas Hill Country

We Live Here Too!

And We Know You Want to Live Here as Well Our agents are here to help you fall in Love with Boerne and your new home purchase too.

RACHEL AGEE

3+ Years’ Experience As a former CPA for small family home businesses to Fortune 500 companies, Rachel is excellent at problem solving and customer service. She loves raising her family here in Boerne and can’t wait to share her knowledge with you.

SUSAN FRIAR

10+ Years’ Experience Susan is a long-time resident of Boerne. She has a proven record of pricing homes right and will know the value of the home you are thinking about purchasing. With her Certified Negotiation Expert designation, she can help you complete the purchase to the satisfaction of all parties.

NOVA STEPHENSON

2+ Years’ Experience Nova started her real estate career buying investment properties for her husband and her. She soon realized that she wanted to help others achieve their dream of homeownership as well. Her knowledge of Interior Design and Staging will benefit you in visualizing the potential of your purchase.

Experience • Skill • Dedication

830.249.3006 | 210.414.8616 |

office cell

B oerne , T exas 78006 H Ranch Roads H Chip Seal H Land Clearing

H Stock Tanks H Septic Systems H Fencing

H Arenas H Metal Buildings H Barns