Boerne Business Monthly - February 2023

Page 1

BOERNE

The “Just Right” Solution Created Right Here in Boerne

Volume 15, Issue 08: February 2023
BUSINESS MONTHLY LOCAL NEWS & INFO TEXAS GOURMET PANTRY SHOP LOCAL: GREAT VALENTINE’S DAY GIFT IDEAS
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hey there! H

Happy February! This month is not only short, but it is busy – which means it is going to fly by. You’ve got Valentine’s Day, the San Antonio Stock Show & Rodeo, President’s Day which gives the kids - and some lucky workers - a couple of days off, the local Calendar of Events has just a ton of concerts, celebrations and events. There really is no possible way to be bored this month! For me personally, I think everyone I know has a February birthday - whew, I am TIRED already!

But, with all that is going on, I am glad you took a moment to pick up your copy of Boerne Business Monthly because we have some really great stuff to read about in this issue! This month we feature Goldilox, a new innovative product created by the co-owners of local companies, Riverbed Concrete and Slick Rock. When it comes to all things concrete, David Harris and David Forren know their stuff, so it is no surprise that they were able to come up with a solu-

tion to one of the biggest problems in the polished concrete industry. Read all about it starting on page 16. Also in this issue we tell you all about one of our favorite local stores, Texas Gourmet Pantry. Be sure to stop in, shop and fill your pantry. Your tastebuds will thank us later!

We also have local news and info, a Valentine’s Day Gift Guide, articles on understanding real estate terms and so much more!

I hope you have a wonderful February!

4 B oerne B usiness M onthly | February 2023
DON'T LET 2023 PASS YOU BY! CONTACT US TODAY TO GET YOUR BUSINESS IN BOERNE BUSINESS MONTHLY! Call (210) 219-6735, or email lauren@boernebusinessmonthly.com PUBLISHER Lauren Stumberg lauren@distinctmediatx.com GRAPHIC DESIGN/ PHOTOGRAPHY Megan Smart megan@distinctmediatx.com
6 B oerne B usiness M onthly | February 2023 profile Texas Gourmet Pantry calendar home & land Common Real Estate Terms by Carol Schultz
Ariel Brooks-Stevens,
development Developers Complete Bergheim Convenience Store & Retail Space Project cover feature Goldilox: Peelable Concrete Flooring Protection Invented Right Here in Boerne shop local Great Valentine’s Day Gift Ideas 08: 10: 11: 12: 16: 22: 24: 26: 28: 30: Jim Campbell Kathy Cloud BROKER MOBILE: (325) 347-7693 TEXASHILLCOUNTRYREALTY.COM Wiley Cloud Owner/Brokers
&
Hill Country Home & Land
Confidential Career Interviews Call (210) 710-6601 EMPOWERING SUCCESS
books The Road by Cormac McCarthy review by
finances Can You Count on Social Security? courtesy of Caleb K Clark,
Edward Jones support Simple Ways to Support Local Businesses ribbon cuttings 16 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. February CONTENTS 08
Renee Campbell Robin McCall Dallenbach
Javier Acevedo
Adrianne Carnes
CIMA –
boernebusinessmonthly.com 7 COMMERCIAL ~ RANCHES ~ RESIDENTIAL PROPERTIES y Owned ~ Nationally Reco gnized Stephen V. Vallone CEO, Escrow Officer steve@texasinvestorstitle.com Becky Edmiston, CESP President, Escrow Officer becky@texasinvestorstitle.com Office: (830) 816-5888 www.TexasInvestorsTitle.com Boerne Office: 116 W. Blanco Rd., Suite 101, Boerne, Texas 78006 Houston Branch: 10000 Memorial Dr. Suite 100-N Houston, Texas 77024 Representing Stewart Title Guaranty, First American Title Insurance and Chicago Title Insurance suburbanbuildings.com 830-308-4100 635 TX-46, Suite 202 | Boerne | Texas | 78006 We offer designs consistent with the natural landscape and historical character of Texas Hill Country
Hill Country Barn Builders

Gourmet Foods & Gifts with a Texas Flair

HHungry? Well, even if you’re not, you will certainly be ready for a snack by the time you finish this article. This local store is filled to the brim with tasty snacks, delightful desserts, fun marinades and spices and so much more! Not only are the shelves lined with unique finds, but just about everything in the store comes from Texas.

“We really love offering our customers delicious products that are made right here in Texas,” said Melissa Stapleton, owner of Texas Gourmet Pantry. Stapleton purchased the store from its previous owner in January of 2016. Last year, in March of 2022 they expanded the store to a larger location in the same Old Towne Boerne Shopping Center. “The new location has been fabulous. It has allowed us to expand our offerings tremendously,” said Melissa.

Melissa and her family are always on the hunt for new and delicious items to put in the store. “Of course we have our staples that we always carry, but we love to go to market and taste and try new things to bring back and put in the store. We also take customer requests, so if there is something that our customers would like us to carry, we do our best to have it on hand.”

With everything from baking and soup mixes, crockpot starters, jerky, pickles, olives, cookies, candies and even coffee and tea, it is hard not to want to try it all!

They also have several products that are made right here in the hill country like Lost Buddy Spices and Jimmy O’s seasonings, salsas and marinades.

In addition to the food, Texas Gourmet Pantry also offers fun gift items as well. “We have cookbooks, children’s books, tea towels, shot glasses, mugs, key chains and even air fresheners –most with a Texas theme,” added Stapleton.

Need a present for a friend, family member or even a client? Texas Gourmet Pantry can create the perfect gift

8 B oerne B usiness M onthly | February 2023
profile

basket. Simply choose your products and Melissa will artfully arrange it all, shrink wrap it and top it with a bow!

So the next time you need a little meal or snack inspiration, stop in, browse the shelves, try a sample or two and get inspired by this fun store that has more to offer than just the same ol’ big box store food items.

boernebusinessmonthly.com 9 Need a Sweet Treat for Someone Special this Valentine’s Day? Extra special people deserve extra special truffles! Texas Gourmet Pantry has a huge selection of Sweet Shop USA gourmet truffles in a variety of flavors.
TEXASGOURMETPANTRY.COM 233 B S. MAIN STREET BBM

FEBRUARY Calendar of Events

EVERY SATURDAY A DAY AT THE FARM AND FARMERS MARKET

9:00 AM - 1:00 PM @ 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

10:00 AM - 5:00 PM @ The Old Jail Museum

208 E. San Antonio Ave. – Boerne

Tour the Old Jail Museum and enjoy its unique exhibits.

FEBRUARY 2

GBCC RIBBON CUTTING FOR PERSPIRE SAUNA STUDIO

DOMINION

11:30 AM - 12:00 PM

21803 IH 10 W., Ste. 108 – San Antonio

FEBRUARY 9

GBCC RIBBON CUTTING FOR KCA SERVICES’ 50TH ANNIVERSARY

11:30 AM - 12:00 PM

136 Industrial Dr. – Boerne

GBCC RIBBON CUTTING FOR VANTAGE AT FAIR OAKS

1:30 AM - 2:00 PM

9135 Dietz Elkhorn – Boerne

FEBRUARY 10-11

BOERNE CHOCOLATE WALK

10:00 AM - 5:00 PM @ Downtown Boerne

This sweet event takes participants on a stroll through historic downtown Boerne. Collect a special chocolate treat as you step inside each participating store, gallery, and restaurant along Main Street. Once you’ve visited all the stores you can return your raffle ticket for a chance to win prizes donated by the store owners. Participants must purchase a ticket through Boerne Parks and Recreation. Your ticket

includes a map of the participating stores, a tote bag to collect your treats, and a raffle ticket.

FEBRUARY 11-12

BOERNE MARKET DAYS

10:00 AM - 4:00 PM @ Main Plaza

Spend a day browsing the market and visiting the many downtown boutiques, galleries, and restaurants for a unique hill country experience. There are a variety of bargains to be found such as jewelry, plants, art, handcrafts, collectibles, antiques, and more.

FEBRUARY 11 & 25

KUHLMANN-KING MUSEUM TOURS

3:00 PM @ Kuhlmann-King Historical Complex

402 E. Blanco Rd – Boerne

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

10 B oerne
usiness M onthly | February 2023
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on page 22
continued

COMMON REAL ESTATE TERMS

The real estate industry, as with other industries, comes with terms that you may not fully understand. Here are a few of the more common terms you will hear in a real estate transaction.

FINANCIAL TERMS

Adjustable Rate Mortgage (ARM) - Mortgages with interest rates that can change periodically.

Debt to Income Ratio - Your monthly minimum debt payments divided by your monthly pre-tax income.

Down Payment - The amount paid by the home-buyer to the lender during the closing.

Earnest Money Deposit - A ‘good faith’ deposit by the buyer at the time of the purchase and sale to show they are serious about the purchase. It is typically put toward the closing costs or credited to the buyer as part of the purchase price.

Escrow Account - An account overseen by a trusted third party (typically a title company) to hold all monies related to a real estate transaction, such as down payments and closing costs, until the trans-action is completed.

Equity - The difference between what you owe on your mortgage and what you home is currently worth.

Fixed Rate Mortgage - Mortgages that have the same interest rate throughout the entire span of the loan.

PITI (Principal, Interest, Taxes and Insurance) - The four basic elements of a monthly mortgage payment.

*Information adapted from Buffini & Company and Texas Department of Insurance.

PROCEDURAL TERMS

Appraisal - The estimated value of a piece of real estate, as judged by a qualified third party.

Close of Escrow - When the transaction is finalized and the buyer legally takes possession of the property.

Contingencies - Clauses in a purchase and sale agreement specifying actions or requirements that must be met for the contract to become legally binding.

Pre-Approval - An estimate given by a lender to determine if you are able to afford a particular house you have bid on.

Pre-Qualified - An estimate given by a lender to determine how much of a mortgage you may qualify for when you are seeking a home.

Contract - The agreement between the buyer and seller noting the final sale price and terms of the transaction.

Title Search - A review by a title company of all public records associated with a home’s history, including previous purchases, sales, taxes and liens. The title is a document that states the property is clear of all past-due taxes, liens and property disputes.

Title Policy - Title insurance protects you from claims of ownership by other parties. It protects you against losses from problems that arose before you bought the property. The title company will defend you in court if there is a claim against your property, and will pay for covered losses.

boernebusinessmonthly.com 11
home & land HCHOMEANDLAND.COM (830) 331-1104
BBM
CAROL SCHULTZ & ARIEL BROOKS-STEVENS

Local Developers Complete BERGHEIM CONVENIENCE STORE & RETAIL SPACE PROJECT

TThe developers, James Schuepbach and Jason Hirko recognized the need for more businesses in Bergheim and purchased the 4.8-acre property in 2017 when construction of the adjacent Voss Middle School was announced. Both men’s backgrounds led to this venture, having worked on numerous types of projects from multi-family, restaurants, shopping centers and business parks. Jason said he began investing in residential real estate in 2010 in Southeast Texas and expanded into commercial real estate in San Antonio and the Hill Country in 2015, including several historic properties on Main Street in Boerne. James, with Ryoak Real Estate Group (ryoak.com), has been in commercial real estate since 2005 and has completed numerous ground-up construction projects including a 292-unit Class A multi-family project in Southtown, San Antonio. “This is our first convenience store and gas station. We decided on this type of project because we felt there was a need for an alternative to the Valero in Bergheim. Our convenience store has a full commercial kitchen that will serve a variety of freshly prepared food, which is the biggest void in Bergheim,” said Jason.

The new business consists of a 6,000-square foot convenience store and gas station as well as a 7,700 square feet of shopping center for a total of 13,700 square feet. The developers were intentional with upgrades to the building and surrounding land to make sure the project didn’t end up looking like your average gas station. Some examples of this attention to detail were the developers’ use of high-end materials such as locally sourced ashler stone, Nichiha Vintagewood architectural panels, and native plants and grasses throughout the project. They also engaged with two local firms, Grit Co. and Manifestive Design, to design a hand-painted mural that highlights Bergheim, Kendall County, Boerne ISD and the Guadalupe River.

The convenience store is operated by “Halftime” and the fuel is provided from Chevron. Halftime is a new brand from Karim Ali who currently owns and operates approximately fifty

“This is our first convenience store and gas station. We decided on this type of project because we felt there was a need for an alternative to the Valero in Bergheim. Our convenience store has a full commercial kitchen that will serve a variety of freshly prepared food, which is the biggest void in Bergheim,” said Jason.

12 B oerne B usiness M onthly | February 2023
development

“Big’s” convenience stores in South Texas, including the location on Highway 46 at Herff Road in Boerne at the Longhorn Cafe. His company is in the process of rebranding his stores as Halftime, which is a sportsthemed concept. The new store will have a full kitchen and provide a variety of food options to include Hanger54 pizza and Champs chicken.

One of the first tenants in the shopping center is The Cup, which is a new coffee and restaurant concept from Karen and Eric Cate. Eric is the Pastor of Bergheim Christian Fellowship, a new church plant sponsored by Currey Creek Church in Boerne. They are currently holding services at Voss Middle School every Sunday. The Cup is affiliated with the church and will help with their ministry. The developers have signed a lease with Texas Treasures Fine Art to move the high-end art gallery to

the property. A recent purchase of adjoining property to the east of Halftime will bring more restaurant, retail and office space to Bergheim.

In addition to this project bringing needed services to the Bergheim area, it will also give back to the community. A portion of the proceeds from this project will be donated to The Wounded Warrior Project, and Chevron has agreed to match this donation dollar-for-dollar. “The Kendall County community is very supportive of our United States military and with the middle school being named after Mark T. Voss, a fallen Airforce serviceman and Boerne ISD student, we believe that our commitment to helping The Wounded Warrior Project will engage the community with this important effort and will be reflective of the values of Boerne and Kendall County,” shared James who’s father and father-in-law were both disabled

military veterans.

This project was not without its challenges, from Covidrelated labor shortages, supply chain issues, to wild material cost fluctuations. However, the developers said the positive feedback from the community who welcomes more businesses to Bergheim has made it worthwhile. Chevron and Halftime, along with The Cup, opened in December, with projected openings for the two other businesses in the first quarter of 2023.

boernebusinessmonthly.com 13 MARK BUKOWSKI Director of Land and Ranch Owner/Partner c. 719.650.7012 mark@legacybrokergroup.com CHARLIE RIDDLE Director of Commercial Real Estate Owner/Partner c. 210.383.0007 charlie@legacybrokergroup.com HILL COUNTRY HACIENDAS, WEST TEXAS RANCHES, BIG CITY COMMERCIAL and everything in between RIDDLE & BUKOWSKI LEGACYBROKERGROUP.COM
BERGHEIM
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(830) 816-2288 | BoerneTexasHomes.com Bluebonnet Realty Since 1989 ANGELA TURNER ASSOCIATE BROKER (210) 912-8221 JUDY FILINGERI OWNER, REALTOR® (830) 816-2288 CAREY STEWART REALTOR® (210) 551-2883 SUZANNE MCGINNIS REALTOR (830) 377-5227 LYNELLE BOYD REALTOR® (830) 822-9688 324 FM 474 3 bed, 2 bath approx. 1640 s,f. mobile with storage. $1,900 193 QUIET POINT 3 bed, 2.5 bath approx. 2755 s.f. on 6.29 acres. $3,300 FOR LEASE NEW LISTING! 437 STONE CREEK 4 bed, 2.5 bath, great location. Short walk to YMCA, schools, and the walking trail! Available 02/01/2023. $2,500
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IIf you have ever built a project that required polished concrete, you know that keeping the floors protected during construction can be a real problem. These floors are beautiful, durable and a favorite among architects and owners, however a nightmare for general contractors. Those in the building industry know the hassle of trying to keep the concrete protected from all the abuse, heavy machinery and spills during the months of construction.

With the rising popularity of polished concrete floors, GC’s have had to do their best to keep the concrete covered with things like plywood, OSB (oriented strand board), cardboard or sheets of plastic.

16 B oerne B usiness M onthly | February 2023 cover feature

However, none of these offer good, reliable solutions. That’s where Goldilox comes in.

Goldilox is an innovative new protective covering for concrete flooring during construction. Unlike the previous methods that were expensive, unreliable or overengineered, Goldilox is “just right.” This product is a composite floor covering that temporarily adheres to concrete surfaces creating weather resistant, seamless, and durable protection that is an affordable alternative to the previous options.

After twenty years in the polished concrete business, local business partners, David Harris and David Forren decided it was time to create a solution to this industry-wide problem. Harris and Forren are the managing partners of Riverbed Concrete, an industry leader in concrete flooring, sinks and countertops, and Slick Rock Concrete, a manufacturer of commercial concrete planters, fire bowls, benches, water features, soaking tubs and fountains. “Over the years we have attended countless preconstruction meetings and have educated contractors on what polished concrete is, and what it isn’t,” said Harris. “Yes, it is wear tolerant. It’s durable with no recoating necessary. No strip-

ping or rewaxing or buffing. With commercial traffic it stays looking great. But construction abuse is not normal traffic.” Whether it is polished or unpolished, concrete that is exposed to leaks, oversized construction machinery, metal shavings, dropped tools, chemical spills and industrial mishaps will absorb stains and show construction abuse in the final product.

The Riverbed Concrete team had hosted many American Institute of Architect presentations for architect continuing education credits and in doing so, discovered that architects were getting fed up with specifying polished concrete only to be presented with a shiny floor full of stains and blemishes upon the project completion. According to Forren, “Things happen during the construction process. Lines bust, oil spills, batteries blow up and etch into concrete, buckets leak, you name it. There is a lot that can damage the concrete during construction and no GC is capable of being on top of this 24/7. Cardboard and plywood are basically useless as protection, but are often the only materials the contractor can afford.”

For a time, the Riverbed Concrete team had turned to a glue-down product to try to protect their newly polished floors. “It was

boernebusinessmonthly.com 17
“Our aim from the beginning was to create a protective covering that could be used industry-wide and on budget for the vast majority of subs and GCs at nearly half the price of other glue-down protection alternatives.”
continued on page 18 David Harris & David Forren, managing partners of Riverbed Concrete LLC Slick Rock LLC Goldilox LLC photos by Jason Risner

a great product, but with labor the cost could add up to almost twice the cost of the floor we put in,” said Harris. All of this got the Riverbed team thinking that it was time to come up with a new solution that was not only effective, but budget friendly.

Harris and Forren began experimenting with options and adhesives to create a temporary protective covering. They pressed in and eventually found the perfect combination of non-staining, temporary adhesive and woven industrial textile. They had created a durable composite covering that was not only effective, but budget friendly. The partners named their patent-pending invention Goldilox, the “just right” solution that offers the concrete polisher and the GC the ability to affordably deliver a final polished concrete floor that meets expectations of both the owners and architects.

If you consider cheap and ineffective to be “too cold,”

and overengineered and expensive to be “too hot,” Goldilox meets right in the middle for that “just right” solution. It is affordable, weather resistant, durable and seamless. It adheres temporarily onto the concrete surface like a second skin. You can walk on it, build on it and it is even antimicrobial and antifungal so builders can erect walls directly on top of it and leave it under the framing. It is resistant to dust, dirt, spills and even heavy machinery rolling over it and flame resistant too! Goldilox has even been NFSI rated as high traction, so rest assured it is safe to work on.

Engineered by polish contractors for polish contractors, Goldilox offers the assurance that what you see at the beginning of the project is what you will see at the end. This innovative new solution that was created right here in Boerne is about to turn the building world on its head. “With Goldilox, protecting the concrete slab just went from one of the biggest pains during the construction process to one of the biggest points of pride.”

www.goldiloxusa.com

18 B oerne B usiness M onthly | February 2023
continued from page 17 BBM

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Holistic living is a lifestyle that nourishes your mind, body, and soul...it's actually quite wonderful! We help you achieve a holistic lifestyle, allowing YOU to take care of your entire self; mind, body and soul.

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FEBRUARY 11 & 25

BLUEGRASS JAM AT THE AGRICULTURAL

11:00 AM - 1:00 PM @ The AgriCultural Museum

102 City Park Rd – Boerne

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!

FEBRUARY 16

GBCC RIBBON CUTTING FOR REAL PROPERTY MANAGEMENT HILL COUNTRY

11:30 AM to 12:00 PM

606 Frey St. – Boerne

FEBRUARY 16 -18

JUST BETWEEN FRIENDS SALE

9:00 AM - 3:00 PM

@ Kendall County Fair Grounds

1307 River Road – Boerne

HUGE sale on kids clothes and gear.

FEBRUARY 18

MUSIC IN THE CAVE:

SONG OF LOVE - GLI UNICI

7:00 PM - 9:00 PM

@ Cave Without A Name

325 Kreutzberg Rd – Boerne

Experience a unique musical experience down in the Queen’s Throne Room at the Cave Without A Name.

FEBRUARY 24

BOERNE PERFORMING ARTS

PRESENTS FIRE OF GEORGIA

7:30 PM - 9:30 PM

@ Boerne Champion Auditorium

201 Charger Blvd – Boerne

Combining Georgian folk dances with a modern attitude toward the choreography and costumes of the different regions of Georgia.

FEBRUARY 25-26

BOERNE SPRING ANTIQUE SHOW

9:00 AM - 3:00 PM

@ Kendall County Fair Grounds

1307 River Road – Boerne

This prestigious and lovely show is sure to have something for every antiques collector. BBM

20 B oerne B usiness M onthly | February 2023
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THE ROAD

TThis is the first time I read a book written by Cormac McCarthy. It wasn’t even on my “to be read” list, until I overheard a woman in the Bookshop saying how much she loved it, how many people she gives it to and how emotional it makes her. I was immediately interested after such an enthusiastic recommendation. I got it that day and read it in two days. It is enthralling and unlike any other book that I’ve read.

First published in 2007, many avid readers are familiar with the author and the book, but l will give you a short synopsis, in case you haven’t read it yet. It is a postapocalyptic story about a man and his son who walk alone through scorched America, searching for the coast. It is brutally cold and ashen as they cross rough terrain

with nothing but a pistol, the clothes they are wearing and a grocery cart of scavenged food.

They are careful to avoid fellow desperate people who will do anything to survive. The boy learns the difference between the best and worst that humans are capable of. He often clings to the hope that he and his father are “the good people.”

There are parts of the story that are shockingly grim, and even as a sensitive reader, the story was so compelling that I wasn’t derailed by the darkness. I was moved by the hope, the love, and the tenacity that are the highlight of this book. I often find myself thinking about the father’s survival instincts and his strength to teach his son along the way. Reading this book added a new perspective to my life that I am glad to have.

I recommend “The Road” to readers who enjoy reading about an emotional survival journey. BBM

24 B oerne B usiness M onthly | February 2023 153 S. Main St. #120 (830) 249-0000 www.TheBoerneBookshop.com
books
210-545-7171 | OrthopedicPerformance.com Boerne: 134 Menger Springs, Suite 1210 | Stone Oak: 1139 E. Sonterra, Suite 500 Sports Medicine: 225 E. Sonterra, Suite 206 | Bulverde: 32685 US Hwy 281 N, Suite 100 ADULT AND PEDIATRIC ORTHOPEDICS When injury gets you out, we’ll get you back. Matthew Dwyer, MD Alexandra Matthews, DO ChristOpher I. Phelps, MD Board Certi ed Fellowship-Trained Board Certi ed, Fellowship-Trained Orthopedic Surgeon Sports Medicine Specialist Orthopedic Surgeon ADULT AND PEDIATRIC ORTHOPEDICS Boerne: 134 Menger Springs, Suite 1210 | Stone Oak: 1139 E. Sonterra, Suite 500 Sports Medicine: 255 E. Sonterra, Suite 110 (210) 545-7171 | OrthopedicPerformance.com When injury gets you out, we’ll get you back. Matthew Dwyer, MD Board Certified Orthopedic Surgeon Christopher i. phelps, MD Board Certified, Fellowship-Trained Orthopedic Surgeon alexanDra Matthews, Do Fellowship-Trained Sports Medicine Specialist

The Cottage Door

Jet Plasma

Jet Plasma pen is a handheld plasma device that uses a cooler atmospheric temperature so it does not create surface trauma like traditional fibroblast plasma. This extremely powerful device penetrates 13,000 volts of plasma through the epidermis, into the dermal and subcutaneous layers of the skin stimulating high levels of collagen and remodeling the cellular structure from the inside out. When J plasma is mixed with oxide oxygen, ozone plasma is created which kills surface bacteria and is anti-inflammatory to aid in calming keratosis, eczema, and rosacea.

AMAZING RESULTS. NO DOWN TIME.

JET PLASMA IS USED TO TIGHTEN THE SKIN, DIMINISH WRINKLES, DIMINISH HYPERPIGMENTATION, TREAT ACNE, SCARRING, STRETCH MARKS AND AIDS IN PRODUCT ABSORPTION THAT OTHERWISE COULDN’T PENETRATE AS DEEP WITHOUT NEEDLE INJECTION.

Results after 4 jet sessions 48 hours apart

Results after 3 jet sessions

A Boutique Skincare Spa Located in the Heart of Boerne FOLLOW US ON INSTAGRAM & FACEBOOK 103 E. Kronkosky – Boerne | (210) 570-5416 | www.thecottagedoor.info Offering Facials, Plaxel Plasma Pen Fibroblasting, ProCell MicroChanneling, Microderm Abrasion, Zemits CoolRestore Cryo Body Slimming, Glo Therapeutics Skincare, Waxing & More! SAY “I LOVE YOU” WITH THE GIFT OF GREAT SKIN THE PERFECT VALENTINE’S DAY GIFT IS A GIFT CARD Learn More with a Free 15 Minute Consultation!
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Results after 8 jet sessions 48 hours apart
Offering

CAN YOU COUNT ON SOCIAL SECURITY?

IIf you’re getting closer to retirement, you might be thinking more about Social Security. Specifically, can you count on it to contribute part of the income you’ll need as a retiree?

There’s been an increase in alarming language surrounding the solvency of Social Security, but in reality, its prospects are not nearly as gloomy as you might have heard.

HERE’S THE STORY: Under current law, Social Security is estimated to exhaust its trust funds by 2035, after which benefits could be cut by 20%, according to the 2022 Social Security Trustees report. However, the large cost of living adjustment (COLA) (8.7%) for 2023 could cause the trust funds to use up their resources sooner.

But this outlook may represent a worst-case scenario. For one thing, the cost of the 2023 COLA will be somewhat offset by higher taxes on workers contributing to Social Security. The maximum amount of earnings subject to the 6.2% Social Security tax jumped from $147,000 in 2022 to $160,200 in 2023. And in looking down the road, further increases in this earnings cap may also help reduce the gap in the trust funds. Increasing the payroll tax is another possibility for boosting funding to Social Security.

AND HERE’S A POLITICAL REALITY: Social Security is a popular program and it’s unlikely that any future Congress wants to be blamed for reducing benefits. Of course, there are no guarantees, but it seems fair to say that you can reasonably expect some benefits from Social Security when you retire.

But perhaps the bigger issue is just how much you should depend on Social Security for your retirement income. On average, Social Security benefits will provide about 30% of a beneficiary’s preretirement earnings, according to the Social Security Administration. But the higher your earnings before you retire, the lower the percentage that will be replaced by Social Security.

Still, you’ll want to maximize the benefits that are available to you — and that means deciding when to start taking Social Security. You can begin as early as 62, but your monthly payments could be as much as 30% lower than your normal (or “full”) retirement age, which will likely be between 66 and 67.

Even if you were to wait until your full retirement age before collecting Social

When it comes to your list, put your future first.

Security, you’ll also need to draw on other sources of funding. So, while you are still working, it’s a good idea to keep contributing to your IRA and 401(k) or other employersponsored retirement plan.

on your overall financial strategy and your financial needs, so, for example, you probably shouldn’t put in so much into your retirement accounts that you feel significant stress in your monthly cash flow. But when you do get a chance to invest more in these accounts, such as when your salary goes up, you may want to take advantage of the opportunity.

on Social Security as part of your retirement income. You may want to consult with a financial professional to determine when tak ing Social Security makes the most sense for you and how you can also get the most from your other retirement accounts. You’ll want a retirement income strategy that’s built for the long run.

To find out how to get your financial goals on track, contact us for complimentary review. edwardjones.com

26 B oerne B usiness M onthly | February 2023
FAP-1966F-A
Old San Antonio Rd Suite 203 Boerne, TX 78006 830-331-2176 This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Edward Jones, Member SIPC finances
Member Caleb K Clark, CIMA® Financial Advisor 138
BBM
boernebusinessmonthly.com 27 “The Only Accredited Compounding Pharmacy in Kendall County! 830 981 4774 AnniesRX.com 211 S. Saunders St. Boerne, TX 78006 Ask our pharmacists what you need to stay healthy during the 'tripledemic'! • Single Family Homes • Condominiums • Commercial Property • Community HOA’s Quality Maintenance | Competitive Rates | Proven Track Record (210) 535-1355 ed@homesweethomeboerne.com www.homesweethomeboerne.com From Boerne to San Antonio PROFESSIONAL PROPERTY MANAGEMENT & FULL SERVICE REAL ESTATE COMPANY We Care About the Properties We Manage!
28 B oerne B usiness M onthly | February 2023 support Ways to Support Small Businesses: Buy Local When You Can Tell Your Friends & Family Follow, Like or Comment on Their Social Media Leave the Business a Thoughtful Review Sign Up for Their Email Newsletters Interested in advertising? Have an article idea? Just want to say “Hi”? We’d love to hear from you! info@boernebusinessmonthly | (210) 219-6735
“Where experience and service make the difference” Serving the Texas Hill Country Since 1916 Instant Estimates. Easier Than Ever. From Title Quotes, to Seller Net Sheets and Buyer Estimates. Visit KCAC.net to DOWNLOAD MOBILE APP 103 N. Saunders St. – Boerne (830) 816.2131 Our goal at Kendall County Abstract Company is to be the premier title company in Kendall County. We provide real estate closing services and title insurance to both individuals and businesses. All work and research is done in-house at our office. When you have questions and are looking for high quality, we are ready to serve your needs. Ashlee Pfeiffer Escrow Officer ashlee@kcac.net SHANNON MASSIE Realtor® LEGACYBROKERGROUP.COM Learn More About Shannon at IF YOU SEE ME AROUND TOWN, BE SURE TO Flag Me Down I’D LOVE TO TALK TO YOU ABOUT YOUR REAL ESTATE NEEDS! 432.294.4016 | shannon@legacybrokergroup.com

Greater Boerne ChamBer of CommerCe January uttinGs

Abiding Hope Christian Counseling was celebrated with a special ribbon cutting ceremony today! The mission of Abiding Hope is to provide quality counseling that is a blend of both professional clinical skill and biblical truth. They are Christian counselors, not counselors who are Christians. With multiple services offered, a range of different treatments and approaches used, and the ability to work with individuals, couples and families, Abiding Hope can be there to help guide you. If you’d like to learn more or get in contact with Abiding Hope Christian Counseling’s counselors, go to abidinghopecc.com or give them a call at (830) 357-1420.

Blingle! Premier Lighting is the Texas Hill Country’s premier outdoor lighting company! With simple, innovative technology, world class service and professional grade lighting products, Blingle will be your first choice! They offer lighting for holidays, events, landscaping and more, along with free design consultations. To learn more, give them a call at (830) 445-2074 or go to blingle.com/hillcountry-texas!

The mission of ECHO Physical Therapy and Athletics is to provide active individuals access to pro-athlete level physical therapy and performance training to optimize pain-free movement. They incorporate their 3-step process, ECHO, into each session to get their clients back out to perform their regular, everyday activities. In addition to physical therapy services, they also offer dry needling, cupping, taping and more! To schedule an appointment, or to learn more about ECHO, go to echoathleticstx.com, give them a call at (210) 589-7314 or stop by and visit them at 1 FM 3351 Suite #140 in Bergheim.

At Estraya Boerne, coming home feels like a dream. They offer exceptional, contemporary living right here in Boerne. With impressive finishes and resort-quality amenities, their apartments make it possible to live beyond your expectations! Their amenities include a gated community, 24-hr fitness center, resort style pool, a bark park, private patios, full size washer and dryers and more! To see available floor plans and more, go to estrayaboerne.com! Estraya Boerne is located at 130 Gallant Fox Lane Boerne, TX 78006. Stop by and visit them or call (830) 331-8933 to set up your viewing today!

Haute in Texas offers high-end PR and marketing strategies, constructed by hand for your brand from start to finish. They’re an award winning team who believes in integrity, community, passion and compassion. With clients all over Texas, and in almost every industry, they can propel and curate your brand’s online and in-person presence. Haute in Texas has been serving our community for years, but they are excited to announce the opening of their first office space! To learn more about their services, or to read the blog, go to hauteintexas.com. Give them a call at (210) 606-5251 or email aquila@hitpr.com to learn more. Their office is located at 10 Dominion Dr., Suite 2101 A-8 in North San Antonio. Congrats to the Haute in Texas team!

LIME delivers a wide array of services that allow you to express your creative vision for your home or business. Whether you’re restoring your distressed exterior or transforming your interior space, LIME’s core values of Love, Integrity, Mission and Excellence shine through, helping their highly skilled artisans and craftsmen bring your ideas to life. From interior painting and carpentry to epoxy coating and gutter replacements, LIME offers a number of services to help you #getlimed.To get in touch with Jesse or Rachel, owners of LIME Painting of the Hill Country, give them a call at (830) 999-2230 or go to imepaintingofthehillcountry.com!

New Life Cosmetic Surgery & Wellness Center is looking forward to providing Boerne with the most innovative cosmetic procedures in their brand new, fully accredited office-based surgery center! Dr. Daniel Lee is triple board certified in cosmetic surgery, obstetrics and gynecology, and family medicine. His excellent reputation in taking a holistic approach in caring for patients brings him clients from all over the state. They will offer treatments such as breast augmentations, Morpheus, IV therapy, med spa services, hormone replacement therapy and much more! To learn more about the company, go to newlifergv.com/ or call (956) 564-0631! New life Cosmetic surgery will be located at 117 Waterview Pkwy in Boerne, next to The Bevy Hotel. Congrats, New Life Cosmetic Surgery & Wellness Center!

At Olive Branch Insurance Agency, they understand the challenges many consumers face when searching for insurance coverage. They’ve built their team and processes specifically to alleviate the headaches and aggravation! Choice, trust and transparency are all extremely important to their mission. From auto and home to business and life insurance, they’ll get you covered! To request a quote or get in contact with them, call (210) 202-1115, email them at info@olivebranch.insure, or go to olivebranch.insure. Congrats Olive Branch Insurance Agency!

Random Hangers Thrift Shop & Warehouse is an upscale resale shop tucked in an unexpected location here in Boerne! The team carefully selects items for the stores to ensure that excellent quality merchandise and modern styles are available at all times. New merchandise is available daily, so no two days are the same! From designer clothing and accessories to household items and art, there’s a wide array of items to shop through! When you shop or donate, you help families in crisis in Kendall County. The sale of items in the shop helps Hill Country Family Services generate funds to purchase food and underwrite family emergency assistance services.To see their hours, donation info and more, check out their website here: hcfstx.org/hcfs-thriftshop/. Random Hangers is located at 114 W. Advogt in Boerne. Stop by and shop around Tuesdays-Friday, 10am-2pm or Saturdays at 9am-2pm! Congrats, Random Hangers and Hill Country Family Services!

Ryoak Real Estate Group’ celebrated their Grand Opening of their new Chevron Gas Station, Halftime convenience store and shopping center in Bergheim, Texas with a special ribbon cutting ceremony! This new development in Bergheim includes a Chevron Gas Station, a Halftime convenience store and The Cup at Bergheim, a new coffee shop in the shopping center.The Cup will be ran and supported by the Bergheim Christian Fellowship Church. A portion of all proceeds from the c-store today will be going to the Wounded Warrior Foundation and Chevron will be matching dollar for dollar in Ryoak’s giving. Want to learn more about the development? Stop by and check it out at 919 E. State Highway 46, Bergheim, TX 78004 or give James, owner of Ryoak Real Estate, a call at (281) 222-2932 or go online at ryoak.com.

30 B oerne B usiness M onthly | February 2023
ribbon cuttings

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 help is hard to find.

114 W. Advogt Street (830) 249-8643

https://www.hcfstx.org

Hill Country Family Services is an honored partner of the Kendall County Sherriff and Boerne Police Departments. Our community investment helped place the LifeSpot App in the hands of 2,500 local professionals. We’re now better prepared in time of an active shooter. We can’t prevent a tragedy, but we can partner together with tools to save lives. We’re always better together!

mobile medspa: private parties or concierge service available follow us on social media for our monthly pop-up spots too!

TEXT (210) 404-7645 TO BOOK YOUR APPOINTMENT

OR LEARN MORE ABOUT THE BENEFITS OF DERMAL FILLERS!

(830) 816-2288

Judy Filingeri Owner Angela Turner Associate Broker® Carey Stewart REALTOR® Lynelle Boyd REALTOR®
NEW BRAUNFELS, BOERNE, SAN ANTONIO, TRI-COUNTY & AUSTIN
Let us find it!
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HERFF VILLAGE TOWNHOMES Big enough to deliver. Small enough to care. 501 E. San Antonio Ave. – Boerne (830) 331-1104 WWW.HCHOMEANDLAND.COM Located just off Herff Rd, Herff Village Townhomes offer low maintenance living within walking distance to Herff Farm, area shops, restaurants and Main St Boerne. UNDER CONTRACT Whether you’re looking to ‘up size’, ‘down size’, or just ready for a different home, there are still buyers in this market who are ready to find a home. We’re here you help you! WHO SAID YOU CAN’T SELL A HOME IN THIS MARKET? A SLICE OF HEAVEN 10688 RANCH RD (FM) 337 – UTOPIA, TX 21+ ACRES | $1,430,000 ESPERANZA – BOERNE

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