Boerne Business Monthly - January 2020

Volume 12, Issue 07: January 2020

BOERNE business monthly

THE COTTAGE DOOR PERSONALIZED SKINCARE AND INNOVATIVE TREATMENTS FOR YOUR BEST SKIN YET!

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BOERNE PERFORMING ARTS: HOT-HOT-HOT 2020 SEASON 401(K) CONFUSION: ROTH OR PRE-TAX? LOCAL NEWS & INFO

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publisher's note Happy New Year! It’s a brand new year and brand new decade – how exciting! January always brings with it the sense of a fresh start.

Everywhere you look you see the new year, new you theme. With that in mind, what are your goals for the upcoming year? Maybe you want to get healthy? Be more active? Be more productive? Whatever it is, I hope you stick to it and have your best year yet!

For this January issue of BBM I wanted to feature The Cottage Door. Owner of this charming skincare boutique located in downtown Boerne, Claudia Heyne, really knows her stuff when it comes to taking care of your body’s largest organ, your skin! Having been a client of Claudia’s for several years now, I not

only enjoy her products and services, but I enjoy her as a person. Her services range from the foundational facials, chemical peels and waxing to more innovative cutting edge services that we talk about in the article. If you are looking for direction and guidance when it comes to caring for your skin, I highly recommend her. Turn to page 16 to learn more!

Also in this issue we have lots of advice from local experts on everything from 401(k)s to 1031 exchanges and even your thyroid health!

I hope you all enjoy this January issue of Boerne Business Monthly!

Lauren Stumberg Publisher

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

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08: finances

401(k) Confusion: Roth or Pre-Tax?

by Casey Keller, CFA – Investment Advisor, Covenant

10: calendar of events 16: cover feature

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B oerne B usiness M onthly | January 2020

The Cottage Door: Personalized Skincare and Innovative Treatments for Your Best Skin Yet

21: weight loss

Easy Tips for a Healthier You in 2020 from Ideal Health Boerne

22: the arts

Boerne Performing Arts: Hot-Hot-Hot 2020 Season

26: taxes

1031 Exchanges: Keep Equity Out of Uncle Sam’s Pocket

by Eric McGraw, CPA – ADKF

28: ribbon cuttings 29: economy

Texas to See Less But Solid Economic Growth in 2020

30: health

Optimal Thyroid Levels Maintain Energy and Metabolism

by Dr. Leigh Ann Greenberg, RPh

facebook.com/boernebusinessmonthly Boerne Business Monthly is published by Distinct Media, LLC, copyright 2020. Reproduction is strictly prohibited without prior consent of the publisher. Opinions expressed in Boerne Business Monthly are those of the writers or sources and do not necessarily represent the views of the publisher, nor do they constitute the endorsement of products or services herein. Although the information and recommendations in this publication have been compiled from sources believed to be reliable, Boerne Business Monthly makes no guarantee as to, and assumes no responsibility for, the correctness, sufficiency or completeness of such information and recommendations.

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finances

401(k) Confusion:

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Roth or Pre-Tax? Casey Keller, CFA – Investment Advisor, Covenant

More employer 401(k) plans are now offering the choice to save with pre-tax dollars or an after-tax option, known as the Roth 401(k). If you are confused about which to choose, you are not alone. This is one of the most common questions we get asked. To be fair, there is no perfect answer. That is, unless you know what tax bracket you will be in for the rest of your life, what future tax laws will be, the future growth rate of your savings, how much you will spend the rest of your life, and when you will die!

While the Roth 401(k) may not make sense for everyone, below are many considerations and why it may make sense for you and your circumstances. As always, consult a financial advisor to get the optimal strategy before making a decision.

First, let’s start with the basics. Pre-tax 401(k) contributions reduce your taxable income, and therefore reduce your tax liability during the tax year you make the contributions. Roth contributions, on the other hand, are not subtracted from your income and therefore, you must increase your tax withholding or you'll likely be surprised with a higher tax bill (or lower refund) come tax time. For example, if your salary is $100,000 and you contribute $10,000 to a traditional 401(k), you'll only be taxed on $90,000 of income. If you contribute to the Roth 401(k), your taxable income will remain at $100,000.

If you are really needing a tax break, the Pre-tax/traditional 401(k) is obviously attractive, but that is not the whole story. Here are some reasons to opt for the Roth 401(k): • Future tax-free withdrawals - Roth 401(k) withdrawals will eventually be tax and penalty free at age 59 ½, assuming you’ve had the account open for 5 years.

• Effectively creates additional "forced" savings - As mentioned above, when contributing to a 401(k) with pretax dollars, you obviously save money on

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B oerne B usiness M onthly | January 2020

your current year’s taxes. BUT, unless you are very intentional, this tax savings will get spent throughout the year on stuff and not saved. If you change to Roth 401(k) contributions, you’ll likely need to increase your tax withholding on your paycheck (Form W-4). Think of this “cost” as an investment towards a more tax-free future. Most people don’t even notice the difference and you probably won’t either.

• You own ALL of the Roth - This is similar to the first bullet point, but from a different perspective.

A traditional 401(k) with a $100,000 balance is not the same as a Roth 401(k) with a balance of $100,000.

Even though they both look the same when adding up total net worth or total savings, the government will always "own" a percentage of a traditional 401(k) balance because you cannot withdraw from it without paying a "toll" (a.k.a. taxes). This is not the case with a Roth 401(k).

• Roth 401(k)s and Roth IRAs are inherited income tax-free, whereas traditional 401(k)/IRAs continue to get taxed on withdrawals beyond your lifetime. This can magnify tax savings when you consider multiple generations. A Roth savings may be used in your lifetime, but if not, your family can inherit these assets income tax-free. Keep in mind that the IRS requires heirs to take distributions from

Roths, but they are not taxable. It is possible Roth IRA assets saved today could survive for quite some time, maybe even benefit a couple of generations, tax-free.

• Any employer match always goes to Pre-Tax/traditional 401(k), not Roth 401(k) - When contributing to a 401(k), regardless of whether it’s pre-tax or Roth, it’s best not to leave “free money” on the table. In other words, make sure to contribute at least as much as the employer will match. Having said that, ALL EMPLOYER contributions are always pre-tax and will never go into the Roth 401(k) “bucket”. This may sound like a negative, but it’s generally good to have different account types and sources of potential income in retirement. Some argue that a Roth 401(k) could be worse than a pre-tax/traditional 401(k) if future tax rates are lower when you retire or your income in retirement is significantly lower than during your working years. Instead of speculating on where future tax rates will be and how much your retirement income will be, having both a Roth nest egg and a pretax/traditional 401(k) nest egg creates some balance and reduces risk, no matter what happens. If you’re in a low tax bracket during retirement, you could choose to live off and deplete the pre-tax/ traditional 401(k) assets first, while allowing the Roth 401(k) assets to continue growing. If that is the case, you will pay low (or maybe even zero) taxes later in life and your family will inherit more tax-free assets. If the opposite is true and you are facing a higher tax bracket during retirement, you could choose to spend more of the Roth 401(k) assets to manage the taxes first.

Another potential benefit of the Roth 401(k) is that it may be a great vehicle for saving for educational purposes for a child or grandchild. If your overall savings are limited each year, using a Roth 401(k) can give you the option of saving for retirement or education. Of course, there are several factors to consider, but most individuals don’t think of a Roth 401(k) as a savings vehicle for college, just retirement.

While using a Roth 401(k) may be more beneficial for a younger individual, if you are closer to retirement age, the Roth 401(k) is still compelling if your entire nest egg is lacking Roth dollars. Having some Roth money will allow you flexibility for expenses during retirement to help manage your overall taxes.

Also, since the Roth 401(k) balance may be a smaller part of your overall net worth, a more growth-oriented investment strategy with the Roth dollars could make sense to aim for longer term growth and allow this tax-free bucket to grow while other assets are used in earlier years of retirement.

Some would say that saving taxes today by contributing pre-tax dollars in your 401(k) would be “a bird in the hand”. One could argue the opposite is true, and state it as being “pennywise and pound foolish”. Both could be true and our recommendation is to seek the guidance of an advisor because “two heads are better than one”!BBM Casey Keller is an investment advisor at Covenant.

Casey serves on the firm’s investment committee and works with individuals and families by helping them build plans and execute strategies to optimize their finances and achieve lifetime goals. He also serves not-for-profit corporations in developing investment policies and managing portfolios to help them impact their beneficiaries for generations to come.

2020 SEASON HOT–HOT–HOT!

HOT–HOT–HOT! HOT–HOT OT–HOT–HOT! HOT-HOTT–HOT–HOT! HOT-HOT-H HOT–HOT–HOT! HOT–HOT OT–HOT–HOT! HOT-HOTT–HOT–HOT! HOT-HOT-H HOT–HOT–HOT! HOT–HOT THURSDAY OT–HOT–HOT! HOT-HOTT–HOT–HOT! HOT-HOT-H HOT–HOT–HOT! HOT–HOT OT–HOT–HOT! HOT-HOTT–HOT–HOT! HOT-HOT-H HOT–HOT–HOT! HOT–HOT OT–HOT–HOT! HOT-HOTT–HOT–HOT! HOT-HOT-H HOT–HOT–HOT! HOT–HOT TUESDAY OT–HOT–HOT! HOT-HOTT–HOT–HOT! HOT-HOT-H HOT–HOT–HOT! HOT–HOT OT–HOT–HOT! HOT-HOTT–HOT–HOT! HOT-HOT-H HOT–HOT–HOT! HOT–HOT OT–HOT–HOT! HOT-HOTT–HOT–HOT! HOT-HOT-H HOT–HOT–HOT! HOT–HOT OT–HOT–HOT! HOT-HOTT–HOT–HOT! HOT-HOT-H HOT–HOT–HOT! HOT–HOT TUESDAY OT–HOT–HOT! HOT-HOTT–HOT–HOT! HOT-HOT-H HOT–HOT–HOT! HOT–HOT OT–HOT–HOT! HOT-HOTT–HOT–HOT! HOT-HOT-H

JANUARY 30

MARCH 17

APRIL 7

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January 2020

CALENDAR OF EVENTS

EACH WEDNESDAY 3:00pm to 7:00pm | Kendall County Fairgrounds 1307 River Road – Boerne At this open-air farmers market you'll find locally grown produce, locally raised meats, fresh-caught seafood, baked goods, health and beauty products, and so much more!

JANUARY 1 HAPPY NEW YEAR!!

JANUARY 5 KENDALL COUNTY JR. LIVESTOCK SHOW: POULTRY AND AG MECHANICS Kendall County Youth Ag and Equestrian Center 649 FM 289 – Comfort More details at KCJLA.org JANUARY 7 GBCC RIBBON CUTTING FOR CMG FINANCIAL 11:30am to 12:00pm 1022 River Rd., Ste. B – Boerne GBCC RIBBON CUTTING FOR MERCY INTERNATIONAL 1:30pm to 2:00pm 121 S. Main St. – Boerne JANUARY 9 GBCC BOERNE AFTER 5 MIXER HOSTED BY STEMTASTIC 5:00pm to 7:00pm 18 Scenic Loop Rd., Ste. 200C – Boerne JANUARY 10 KENDALL COUNTY JR. LIVESTOCK SHOW: MARKET LAMBS, GOATS, STEERS, AND HOGS Kendall County Youth Ag and Equestrian Center 649 FM 289 – Comfort More details at KCJLA.org JANUARY 10 – 25 BOERNE COMMUNITY THEATRE: WIDOW IN MINK Thursdays - 7:30pm; Fridays & Saturdays - 8:00pm; Sunday - 2:30pm Boerne Community Theatre 907 E. Blanco Road – Boerne Margaret Osgood, a sweet, quiet woman who is somewhat oblivious to details, is now shocked to find herself a recent widow and quite wealthy.

She soon finds herself pursued by Charlie, her late husband’s business partner, who questions her desire to donate much of her new-found money to charity. Is he just concerned about her financial future or is he more interested in his own?

Ticket info at boernetheatre.org

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JANUARY 11 KENDALL COUNTY JR. LIVESTOCK SALE Kendall County Youth Ag and Equestrian Center 649 FM 289 – Comfort Come support the youth of Kendall County!

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

Open every Second Saturday of each month.

Please email pegazeus45-bahps@yahoo.com to schedule a personalized tour.

SECOND SATURDAY AUTHOR SIGNING 11:00am to 1:00pm | Patrick Heath Public Library 451 N. Main – Boerne Area author J.P. Barnett will be on hand in the Library's lobby signing copies of his books. J.P. Barnett is the author of the "Lorestalker" series, which contains three novels.

Please stop by to meet the author!

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.

JANUARY 11-12 BOERNE MARKET DAYS 10am to 5pm on Saturday, 10am to 4pm on Sunday Main Plaza | 100 N. Main Street – Boerne Since 1850, Main Plaza has been a center point of trade for the people of Boerne. In the present day, on the second weekend of every month, Main Plaza is home to a magical outdoor market that blends the traditions of the Texas Hill Country with the creations of today’s culture. 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.

JANUARY 13 KENDALL COUNTY COMMISSIONERS COURT 9:00am to 11:00am Kendall County Courthouse 201 E. San Antonio Ave. – Boerne

B oerne B usiness M onthly | January 2020

JANUARY 14 MAGICAL HISTORY TOUR 10:30am to 12:00pm Meet at the San Antonio Museum of Art Museum cost is $15.00 for non-members; museum members can tour for free.Tour will be followed with a Dutch treat lunch. Please RSVP to Robin Stauber: stauber@boernelibrary.org by January 9th.

The museum address is 200 W. Jones in San Antonio.

CITY COUNCIL MEETING 6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne JANUARY 16 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 Patrick Heath Public Library Amphitheater 451 N. Main Street – Boerne Every third Thursday of the month, join the Patrick Heath Public Library for Live! At The Library!

A live performance always takes place on the amphitheater stage (weather permitting), bringing lively music and culture to Boerne. Bring lawn chairs, blankets and picnics if you like!

JANUARY 17 BEAT THE WINTER BLUES: LOVE AT THE SHORE WITH TERI WILSON 6:00 pm | Patrick Heath Public Library 451 N. Main Street – Boerne Author Teri Wilson has written print books, as well as adapted them for the Hallmark Channel. Warm up with hot cocoa, and “Love at the Shore!”

JANUARY 19 CONCERT IN THE CAVE - DUO DRAMATIQUE 7:00pm to 9:00pm | Cave Without A Name 325 Kreutzberg Road – Boerne Join the renowned Houston-based ensemble Duo Dramatique (Dominika Dancewicz-of the Axiom Quartet, violin and Donald Doucet, keyboard) for an evening of riveting music from around the world - The World is Yours. Hear music from across the continued on page 14

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JANUARY 2020 CALENDAR OF EVENTS | cont’d continued from page 10

ages: from Classics, Romantics all the way to jazz, Broadway, and pop.

Visit cavewithoutaname.com for ticket info.

JANUARY 21 GBCC RIBBON CUTTING FOR KELANI YOGURT 11:30am to 12:00pm | 463 S Main St – Boerne GBCC RIBBON CUTTING FOR THE BOERNE BOOKSHOP 1:30pm to 2:00pm 153 S. Main St. #120 – Boerne

JANUARY 23 GBCC RIBBON CUTTING FOR CREST HOME HEALTH 1:30pm to 2:00pm 1100 N. Main, Suite 201 – Boerne GBCC BOERNE AFTER 5 MIXER - HOSTED

BY BOERNE PERFORMING ARTS & MORNINGSIDE MINISTRIES AT MENGER SPRINGS 5:00pm to 7:00pm 1100 Grand Boulevard – Boerne

JANUARY 24 CHINESE NEW YEAR CELEBRATION PERFORMANCE! 6:00pm to 7:00pm Patrick Heath Public Library Community Room 451 North Main Street – Boerne Celebrate Chinese New Year with a thrilling performance by the Chinese Culture Performance Association of San Antonio, Chinese Folk Dancers.

Clad in precious silks, the dancers will twirl their fans in beautifully patterned dances to mesmerizing music unlike any in the occidental tradition.

JANUARY 25 GREATER BOERNE CHAMBER OF COMMERCE ANNUAL AWARDS GALA - PRESENTED BY BEC 6:00pm to 10:00pm The Cana Ballroom at St. Peter the Apostle Catholic Church 202 W. Kronkosky St. – Boerne Complimentary Valet Parking Open Bar Cocktail Hour - 6:00 pm Program and Dinner Service - 6:45 pm Entertainment and Dancing - 8:00 pm Catered by The Grill at Leon Springs Individual Tickets - $150 Sponsorships are available!

JANUARY 28 CITY COUNCIL MEETING 6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne JANUARY 30 GBCC RIBBON CUTTING FOR STRONG IN 15 11:30am to 12:00pm 138 Old San Antonio Rd. Ste 301 – Boerne GBCC RIBBON CUTTING FOR SILBER BREWING COMPANY 1:30pm to 2:00pm 39 Rust Lane – Boerne BOERNE PERFORMING ARTS: VOCTAVE 7:30pm Boerne Champion High School Auditorium 201 Charger Boulevard – Boerne This 11-member a cappella group from the Central Florida area, have professional roots with Walt Disney Entertainment, but their range does not stop there!

Known for their gorgeous performances of Disney and Broadway hits, their repertoire ranges from gospel to pop to musical theater! A magical evening of Disney and Broadway showstoppers!

Ticket info at boerneperformingarts.com.

JANUARY 31 BEAT THE WINTER BLUES: MOONWALKER'S DAUGHTER 6:00pm to 8:00pm Patrick Heath Public Library Community Room 451 North Main Street – Boerne Hear about the golden age of the space race with two insiders: Sue and Amy Bean, wife and daughter of astronaut Alan Bean. BBM

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B oerne B usiness M onthly | January 2020

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cover feature

THE COTTAGE DOOR

L

PERSONALIZED SKINCARE AND INNOVATIVE TREATMENTS FOR YOUR BEST SKIN YET!

by Lauren Stumberg | photos by Ron Pritchett

Let’s face it…skincare can be intimidating! Do you want to start an anti-aging skincare routine, but not sure where to start? Do you find yourself being overwhelmed by the vast selection of products and services? With all the options out there, it’s hard to know what actually works and what is a waste of money. Having a knowledgeable aesthetician you can trust is the key to achieving the results you are looking for.

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B oerne B usiness M onthly | January 2020

Claudia Heyne, owner of The Cottage Door, knows that there is no one-size-fits-all when it comes to skincare. “I enjoy educating my clients and working with them to choose products and services that are going to get them real, noticeable results,” said Heyne.

According to Claudia, “I became and aesthetician because I noticed myself beginning to age. How I was looking on the outside didn’t match the age I felt on the inside. I wanted

to know about skincare and have access to these anti-aging products and services not only for myself, but to help others as well.”

In the spring of 2016, Heyne opened The Cottage Door, a charming boutique spa located in downtown Boerne. “I had worked for larger spas, but many of them wanted me to push certain products and the skincare was very impersonal. That’s not why I got into this business, I wanted to be able to truly help others with their skin concerns.”

At The Cottage Door, Claudia offers everything from facials, microdermabrasion, chemical peels and waxing to more cutting edge treatments like Cryoskin, Fibroblasting and coming in January the Hyaluron Pen. “I cannot stress enough the importance of regular facials, chemical peels and quality products when it comes to overall skin health and minimizing those fine lines and wrinkles. Those are the basic building blocks to any good skincare routine.”

Heyne also has been expanding her service offerings to include more results-oriented options for her clients. “These services allow me to achieve some really amazing results without surgery or fillers and very little to no downtime,” she added.

According to Claudia, “I began offering Cryoskin last spring and have seen some very dramatic changes among my clients.”

Cryoskin works by using sub-zero temperatures to destroy body fat.

This science is used to provide slimming, cellulite and facial treatments with incredible results. It is completely non-invasive and works with your body’s natural systems, cooling the skin just enough to reduce fat whilst improving the appearance of your skin. It can be used in three modes, slimming, toning and face.

The Slim feature can slim pretty much any area on your body and most people lose at least an inch in their first session. The Cryoskin Tone setting is effective for drastically reducing the appearance of cellulite and shaping those tough areas that diet and exercise just can’t reach. The Face mode can help to improve your complexion, reducing pore size and the appearance of fine lines and wrinkles. It can even visibly reduce a double chin! “I like to tell my clients that there are no magic solutions, however Cryoskin offers a really great jumping off point for weight loss and is excellent for fine tuning some of those stubborn areas that seem to be resistant to diet and exercise. In order for the results to last though, you need to be committed to following the guidelines of the Cryoskin process, or else it will negate what you just did,” added Heyne.

Another cutting-edge treatment that is now offered at The Cottage Door is Fibroblasting. This treat-

Before

after 3 cryoskin sessions: slimming/toning/slimming after 1 cryoskin session

Before ment is used to shrink, tighten and firm the skin on any area of the body. During the process, a plasma flash (small electrical charge) creates controlled, light damage to the epidermis or upper layer of the skin. This stimulates fibroblast cells to produce more collagen to repair the skin. Collagen then continues to generate for four to six weeks after the treatment resulting in lifted, younger, smoother skin. During the treatment, many plasma arc dots are placed close together. These dots form crusts, which take approximately seven days to fall off. Unlike fillers that need to be redone periodically, the results of Fibroblasting are permanent and only need to be redone as the natural aging process takes place.

“Fibroblasting is truly amazing. There is a small amount of downtime, but when you compare a few days to the time it takes to recover from plastic surgery there really is no comparison. I have been seeing superb results after just one treatment on my clients, but multiple treatments spaced about eight weeks apart can be done to achieve the desired result,” said Claudia. “This is a wonderful alternative to surgery and fillers. To see this loose skin literally shrink before my eyes has been very rewarding. With Fibroblasting, you don’t have to worry about the scars that come with surgery, or risk the overcontinued on page 18

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continued from page 17

done look and the looser the skin, the better the results!”

Fibroblasting can be used to treat a number of skin concerns such as wrinkles, crow’s feet, forehead and smile lines, under eye bags and loose and saggy eyelids. Apart from the facial skin, it reduces the appearance of stretch marks, can tighten the dreaded mommy tummy and really tighten any area of the body where loose, saggy skin is a problem.

Coming this January, Heyne will also be adding Hyaluron Pen treatments to her list of services. This innovation deposits hyaluronic acid filler into the epidermal and upper dermal layers of the skin without traditional needles or injections. Ideal for clients that are frightened or uncomfortable with needles, this pain free treatment is less invasive and fast, and allows clients to plump and fill their lips, fine lines and wrinkles. Through the pressure technology the pen uses pressure, which causes the hyaluronic acid to turn into nano scale molecules and inserts the hyaluronic acid filler through the skin. According to Heyne, “The Hyaluron Pen can be used to create volume, shape and lift. It is perfect for lip augmentations and reducing wrinkles, filling forehead lines, the 11 lines, smile lines, and can even be used to contour the nose for a nonsurgical ‘nose job’.” With this treatment, the hyaluronic acid only reaches the papillary layer of the dermis making it a safe treatment with no risk of occlusion and no sharp tips to puncture blood vessels. The results may be slightly less dramatic than fillers, but it is completely safe a free of many of the side effects and risks that come with fillers.

Another benefit is that hyaluronic acid is a natural sugar found in the human body and the main structural element of connective tissue. Its function is to attract water and keep skin hydrated, plump and youthful. Claudia added, “As we age, the body decreases the amount of hyaluronic acid and collagen fibers. They dry up and become thinner, resulting in loss of hydration and elasticity, resulting in sagging skin and wrinkles. By adding hyaluronic acid into the skin we revive the collagen and promote a fresher, plumper effect.”

Heyne also uses and sells the Glo Therapeutics line of products at The Cottage Door. She added, “It is a really

Before

after fibroblasting

healed

Before

Before

immediately after 1 fibroblasting session

two weeks post 1 fibroblasting session

consistent brand that offers very effective results for a reasonable price.

I try to keep my products very clean and I like that the Glo products are almost 100% natural. It is a very straight forward brand that is not complicated to use.”

Every product or service offered at The Cottage Door, Heyne has used or tried on herself. “How can I tell my clients that these treatments or these products work if I haven’t tried them out first hand? I am not into fad skincare, I have to know that what I am recommending is going to provide results.”

Claudia builds a relationship with each of her clients. She offers free consultations and blocks off an hour and a half for her services. “I want to take the time to really examine the specific needs of my customers. No two people are the same, so it’s important to get to know each client, find out what their goals are and then work together with them to get results.”

Heyne tries to educate her clients and encourage them to be realistic about their results. She ends by saying, “Good skincare is a progressive thing, you must be consistent. Much of the results happen outside of the spa as well, you need to live a healthy lifestyle to achieve the best results.”

According to Claudia, January is always a good time to start a new skincare program. “Not only are people in the frame of mind and motivated this time of the year, but procedures such as chemical peels and Fibroblasting are best done before summer gets here and the south Texas heat and sun exposure are less.” Whether you are looking to jump start your weight loss and firm up your skin with Cryoskin, start a preventative or anti-aging program or just learn more about how best to take care of your skin, the time is now! BBM

(210) 570-5416

103 E. Kronkosky St., #3 – Boerne

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B oerne B usiness M onthly | January 2020

www.TheCottageDoor.info

Serving the Texas Hill Country Since 1916

103 N. Saunders St. – Boerne (830) 816.2131

Our goal at Kendall County Abstract Company is to be the premier title company in Kendall County. We provide real estate closing services and title insurance to both individuals and businesses. All work and research is done in-house at our office. When you have questions and are looking for high quality, we are ready to serve your needs.

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Start 2020 Off with a New Cut, New Color or BOTH! Book Your Appointment Today!

Before

B CUTS • COLOR • STYLING

Appointment booking available online at barbiesinboerne.com (210) 330-6676 | 725 N. Main Street – Boerne, Texas boernebusinessmonthly.com

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We Are MORE

More Expertise. More Access.

We are 22 circulation experts, restoring circulation throughout the body.

More Help. More Hope.

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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B oerne B usiness M onthly | January 2020

weight loss

Easy Tips for a Healthier You in 2020 from Ideal Health Boerne

A

As we enter into the New Year, many people make resolutions to lose weight or to live a healthier lifestyle. The folks at Ideal Health Boerne share a few helpful tips to get you started on your journey: DRINK UP! Drink water, we recommend a minimum of 64oz a day. However, if you are highly active or trying to lose weight we recommend 100-120oz a day.

GET A GOOD NIGHT’S REST. Shoot for 6-8 hours a day when possible. Using an eye pillow or weighted blanket to help with restlessness is a biggie! It will help you relax and keep you rested.

STAY ACTIVE. We’re not talking hours at the gym, but go for a brisk walk or try to squeeze in activity when you can. Ideal Protein recommends 120 minutes a week in whatever combination works for you – ten minutes here or there or break it up in to larger chunks.

PLAN AHEAD. Whether it be meal prep for the week or just having your dinners planned out ahead of time, if you have a plan you are more likely to stick to it! Ideal Protein suggests that even when not dieting to use at least one meal replacement a day. Everyone typically eats at least one meal a day “on the go” and that can mean upwards of 1,000 calories at a drive through! Replacing that “on the go” meal with a high quality shake like the ones from Ideal Protein can bring that down to 120 calories with 20g of protein!

If your goals for the New Year include losing weight, why not get a little extra help along the way. Ideal Health Boerne helps you lose the weight and then keep it off with their threephase protocol: 1. Weight Loss 2. Stabilization to help the body accept it’s new weight and 3. A year maintaining your weight loss. Their medically developed protocol is a short-term plan with a beginning, middle and end. Call today for your initial weight loss assessment and see if their weight loss protocol is right for you. BBM

www.IdealHealthBoerne.com 830-331-8585

Ideal Health BOERNE

Located Inside of Boerne Family Medicine 112 Herff Rd - Ste 110 (830) 331-8585

traci@idealhealthboerne.com

ALL THE POWER YOU NEED TO LOSE WEIGHT EXISTS INSIDE YOU. Book Your Appointment TODAY to begin your journey!

IDEALHEALTHBOERNE.COM

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

WWW.DODGINGDUCK.COM boernebusinessmonthly.com

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the arts

HOT-HOT-HOT 2020 SEASON!

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Continuing their tradition of bringing lots of quality, lots of variety and lots of appeal to the Texas hill country you won’t want to miss the Boerne Performing Arts’ 2020 season featuring Voctave, The Tap Pack and Momix!

Tickets for the 2020 Hot-Hot-Hot season have been over the top to date, so make sure to grab your tickets soon to make sure you don’t miss these phenomenal shows performed by world-class entertainers featuring vocalists, instrumentalists and dancer/ illusionists.

On Thursday, January 30th, 2020, you won’t believe your ears when you experience the vocal sounds of Voctave, the rising superstars of the A Cappella world. Their professional roots reach back to the Voice of Liberty at Walt Disney World, and their show, “The Corner of Broadway and Main Street”, will blend a magical evening of Disney and Broadway Showstoppers. From a Disney Princess Medley to Beauty and the Beast to West Side Story, this vocal symphony will dazzle and amaze at their vocal quality and range.

Bleep™, an online record company based in London, states “At a time when a cappella music is more mainstream than it’s ever been, the vocalists in Voctave harken back to the early sounds of Disney movie choirs, something timeless and classic!”

-Bleep™. Having recorded with such stars as Kristin Maldonado (Pentatonix) and the Vocal Majority (Dallas), this top-tiered vocal ensemble boasts artists that are all employed with Walt Disney Entertainment who have created Voctave out of their sheer passion for music and performing.

The man behind Voctave, Jamey Ray, has an incredible knack for arranging

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B oerne B usiness M onthly | January 2020

MOMIX

by John Kane

vocals. He credits the “crazy talented” people that are singing his arrangements for this success and while he claims the blend and mix of the voices are stunning, “the sopranos are other worldly!” Soprano Tiffany Coburn describes her 20-year singing career with Disney, “I love what we do! As a performer at Disney with the Voices of Liberty, we represent patriotism and the love of a great country. We get to do this in a beautiful way that tugs at people’s emotions! I love music and I love live performance and I love the energy we produce as Team Voctave!”

Your feet will be flying while watching The Tap Pack on Tuesday, March 17th, 2020. The sizzling show of mind-blowing tap dance, smooth vocals, a live swingin’ jazz band, and witty on-stage banter is inspired by the infamous “Rat Pack” (Frank Sinatra, Dean Martin and Sammy Davis Junior), The Tap Pack hails from Australia with a high-energy performance featuring five of Australia’s finest tap dancing performers. This ensemble will storm the stage bringing a new, invigorating energy to a timeless style. They are Old School Cool from the new Kings of Swing! They sing. They dance. They joke.

They bring a new, invigorating energy to a timeless style.

Created by a three-person Australian team consisting of Jesse Rasmussen, Jordan Pollard, and Thomas Egan, and directed by Nigel Turner-Carroll, The Tap Pack has recently been featured on London’s West End, at the illustrious Peacock Theatre, after touring Berlin, Beijing and the Edinburgh Fringe Festival. This ensemble from “down under” also performed in their homeland at the iconic Sydney Opera House. The group “lit up the harbour” with their highly anticipated show that was sold out…and ended in standing ovations. “The Tap Pack are proudly Australian and to entertain in our home town was something we’ll never forget!” exclaims Rasmussen.

You won’t believe your eyes with Momix. Thrilling fans in over twenty-two countries for over thirty-six years, Momix combines athletic dance, riveting music, outrageous costumes, and unbelievable illusions. Transporting audiences from their everyday lives to a fantasy world through its trademark use of magical lighting and imagery, Momix has audiences searching for another gravity. Artistic

THE TAP PACK

MOMIX

by Max Pucciariello Director Moses Pendleton will surprise, enchant and astonish.

Experience the Exceptional…Expect the Unexpected! This performance will take place Tuesday, April 7th, 2020.

In addition to stage performances worldwide, MOMIX has worked in film and television, recently appearing in a national commercial for Hanes underwear and a Target ad that premiered during the airing of the 67th Annual Golden Globe Awards. With continued on page 25

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THE PARTNERS AND STAFF AT AKIN, DOHERTY, KLEIN & FEUGE WISH YOU A HAPPY NEW YEAR!

JOIN FEE January

FIND YOUR FIT

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accounting for your success, we are here for you

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

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

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COMMERCIAL ~ RANCHES ~ RESIDENTIAL PROPERTIES B oerne B usiness M onthly | January 2020

THE TAP PACK

continued from page 23

performances on PBS’s “Dance in America” series, France’s “Antenne II”, and Italian RAI television, the company’s repertory has been broadcast to 55 countries. MOMIX was also featured in IMAGINE, one of the first 3-D IMAX films to be released in IMAX theaters worldwide.

MOMIX has been commissioned by corporations such as Fiat and Mercedes Benz, performing at Fiat’s month long 100th Anniversary Celebration in Torino, Italy, and Mercedes Benz’s International Auto Show in Frankfurt, Germany. Their performances are readily available for viewing on YouTube and other social media sites.

In addition to the evening performance on Tuesday, April 7, MOMIX will be presenting a one-hour school show for BISD second grade students. These outreach programs, offered at no cost to students, are made possible through the generous sponsorships and donations to the Boerne Performing Arts FOR KIDS programs. For 2019-2020, these programs will positively impact 4,000+ students by offering a live-performance experience for every student in Grades 2-3-4-5.

Previews of these world-class performing artists are available at www.

BoernePerformingArts.com, where you can download a 2020 Season Ticket Order Form for the three-concert series and our special event. If you would like a 2020 season ticket packet mailed to you, please call

the Boerne Performing Arts Message Line at 830-331-9079, or request one at info@ BoernePerformingArts.com.

Thanks to the continued financial support by Boerne Performing Arts’ patrons and corporate sponsors, season ticket prices have remained the same since 2014, and all ticketing fees are included in the price of the ticket. Single show tickets are also available.

All performances will be at 7:30pm at Boerne Champion Auditorium. Boerne Performing Arts is proud to partner with Boerne ISD in these presentations and will be offering outreach programs to the students of Boerne ISD with each visiting artist.

Boerne Performing Arts is a 501(c)3 non-profit organization whose mission is to bring the world of performing arts to Boerne by presenting concerts that feature internationally acclaimed artists, educating through student outreach programs, and enriching the quality of life in the community. BBM

www.BoernePerformingArts.com

SonoraBank.com

Erica and Jonathan Jennings Owners, Boerne Boat & RV Storage

“We have a long history of trusting Sonora Bank with our banking needs. Their friendly and knowledgeable team makes banking so simple and easy, allowing us to spend our time focusing on our customers.”

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MOMIX

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B O E R N E | B U LV E R D E | W I M B E R L E Y | S A N A N G E LO | S O N O R A

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taxes

1031 EXCHANGES:

Y

Keep Equity Out of Uncle Sam’s Pocket

by Eric McGraw, CPA – ADKF

Your business is changing, and so are your real estate needs.

Maybe the office building you own is too small with the growth in employees? Or maybe you own multifamily housing units and want to change your investment strategy to commercial real estate? So how do you make these investments and keep the equity out of Uncle Sam’s Pocket? Maybe a 1031 exchange can help.

WHAT IS A 1031 EXCHANGE? A 1031 exchange is a tax deferment strategy that can be used by investors in commercial and residential real estate. In brief, it allows investors to defer federal income taxes on the sale of a property, if the sale proceeds are used to purchase another property.

WHY SHOULD I CARE? You will keep more of your money! By deferring federal income taxes generated from the sale of your property, you will be able to roll all your equity into a replacement property. If you sell property outside of an exchange, it is highly probable that Uncle Sam will want a share of the proceeds. Bottom line, if you own investment or commercial use property, you need to know about 1031 exchanges.

WHAT ELSE DO I NEED TO KNOW? As with any tax saving strategy, there are many rules that come into play. The basics are summarized below. Please note that there are many considerations not included in this article.

• Both the property you sell and the property you buy as a replacement must be qualified property. In the past, taxpayers could use 1031 exchanges for vehicles and equipment, but that changed with the 2017 Tax Cuts and Jobs Act. Currently, only “real property” (IRS term) qualifies. Real property includes real estate of all kinds: land, houses, apartments, commercial buildings, etc. Mineral interests may also qualify in some circumstances.

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• The property you sell and the replacement property you buy DO NOT have to be identical. For example, you can exchange land for a commercial building, or a commercial building for a rental house.

• Both the property you sell and the property you buy must be held for investment or commercial use. Your personal home will not qualify under most circumstances (multi-family housing or homes on acreage are possible exceptions). Property that is being flipped or built for sale will not qualify under most circumstances.

• It is possible to go through a 1031 exchange and defer only a portion of the taxes. In order to completely defer taxes, the following conditions must be met: Cash: All proceeds from the sale must be transferred to a 1031 intermediary (discussed below) and subsequently used to purchase a qualifying replacement property.

Replacement property: The value of the replacement property must be greater than the fair market value of the property sold.

Debt: If debt was associated with the sale property, debt of the same amount or greater must be associated with the replacement property.

To summarize: trade up, not down, don’t pay down debt, and don’t take cash out at closing.

• If non-qualifying property is included in the transaction, some of the tax may not be deferred. For example, if you exchange a ranch for an apartment complex, there may be vehicles or equipment included in the sale of the ranch that are not qualifying property. As a result, tax may be incurred on the portion of the sale proceeds attributable to the vehicles and equipment.

• The property you sell and the property you buy must be held by the same taxable entity. For example, you can own both properties in your personal name, or in a company you own. You

cannot sell a property owed by Company A and then purchase the replacement property in Company B, unless Company B is a disregarded entity owned by Company A. • There are time limits that must be followed: 45-Day Identification Window: After you close on the sale of your property, you have 45 days to identify the replacement property.

180-Day Purchase Window: After you close on the sale of your property, you have 180 days to close on the replacement property.

Important Note: Filing your tax return can cut this window short. Make sure that your tax professional is aware that you are working on a 1031 exchange and that your return may need to be extended.

WHO CAN HELP ME WITH THIS? In order to complete a 1031 exchange, you must work with a qualified intermediary to hold the proceeds of the initial sale until you close on a replacement property. There are quite a few companies that offer this service; just do an internet search for “1031 broker.” Many of these companies can also assist you with finding replacement properties or offer other value-added services.

It would also be prudent to communicate early and often with your tax professional in order to make sure that you complete a transaction that qualifies as a 1031 exchange, and that the exchange is reported properly to the IRS. Please feel free to call ADKF at 210-829-1300. We are here to help! BBM

Eric McGraw, CPA, is a Senior Tax Manager at Akin, Doherty, Klein, & Feuge, P.C. (ADKF) with over ten years of experience in public accounting. He is a member of the AICPA, TXCPA, and San Antonio CPA Society. He is a graduate of the University of Georgia but is a naturalized Texan by marriage. Eric specializes in business consulting and tax planning for closely-held businesses.

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

boernebusinessmonthly.com

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ribbon cuttings

Greater Boerne Chamber of Commerce December 2019 Ribbon Cuttings

D1 TRAINING - BOERNE Welcome to Boerne D1 Training - Boerne is a nontraditional athletic training facility in Boerne. They have a truly unique exercise space for fitness enthusiasts, professional athletes, casual gymgoers, and more. At D1 Training - Boerne, they believe in training the entire body as a unit to produce optimal human performance.

No gimmicks, no fads; D1 Training- Boerne utilizes trusted and proven training techniques used to build the world’s best athletes.

Stop by and visit their new facility at 132 Old San Antonio Road and visit their website d1training.com/boerne.

DEMOCRATIC PARTY OF KENDALL COUNTY’S NEW HEADQUARTERS Thank you to everyone who joined us for a ribbon cutting celebrating the Democratic Party of Kendall County’s new headquarters located at 518 E. Blanco Rd. in Boerne, Texas! The Democratic Party of Kendall County believes civic engagement is the duty of each citizen to form a more perfect union. It’s their mission to do the most good for the most residents of Kendall County through civic engagement. Give them a call today to learn more at (830) 331-0672 and visit their website kendalltxdemocrats.org.

JOLI BOUTIQUE We had a blast getting to celebrate Joli Boutique with a ribbon cutting and getting to shop around through their beautiful clothing this morning! Joli Boutique is a great place to find anything your fashionable heart desires! At Joli Boutique they provide a variety of unique apparel and accessories. All clothing is based on all ages, shapes, and sizes all while they help customers dress confidently. Stop by and see them at 189 S. Main Street in Boerne, Texas and visit their website joliboutique.org!

BBVA BANK Welcome to the Chamber BBVA Bank, we were excited to welcome them in with a Ribbon Cutting! BBVA Bank is a leading U.S. banking franchise with more than 680 branch locations throughout the region, specializing in a wide variety of Personal Banking, Commercial Banking, and Wealth Management Services. Stop by their new location at 1410 S. Main Street right next to Raising Canes, call BBVA Bank at (830) 249-4250 or visit their website bbvausa.com/USA/TX/Boerne/1410-S-Main-St to learn more!

DISCOVER VILLAGES AT DOMINION We were excited to welcome Discovery Village at Dominion with a ribbon cutting! Discovery Villages are managed and operated

by Discovery Senior Living, a recognized leader for more than 30 years in the development, building, operation and management of affordable, award-winning senior-living communities. They serve independent living residents, memory care, assistant living, and extended care. Stop by and visit Discovery Villages at Dominion’s amazing campus at 6870 Heuermann Road in San Antonio, call 210-840-8000 or visit their website www.discoveryvillages.com/ senior-living/tx/san-antonio/discovery-village-at-dominion.

SETH HANSON - ID LIFE We are happy to officially welcome Seth Hanson with IDLife into our Chamber! IDLife is a premier health and wellness company offering world-class energy, weight-loss, nutrition, and sports performance products which are all HIPPA compliant and have no artificial ingredients. IDLife creates personalized recommendations based off your own DNA testing results. Contact Seth Hanson of IDLife at (210) 428-9243, email teamchampionimpact@gmail.com or shop around on the website to learn more at championimpactretail.idlife.com.

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economy

616 E. Blanco, Suite 202B Boerne, Texas

(830)816-9033

Brock Upham Yost, PLLC is pleased to announce

KATRINA HAMRICK Has joined the firm as Of Counsel.

Ms. Hamrick has over 24 years of experience in corporate and employment law.

The Firm Provides Legal Services in a Variety of Areas Including: · Real Estate · Business & Corporate Law · Condemnation · Wills, Trusts & Estates · Oil & Gas · Probate & Fiduciary Litigation · Ad Valorem Litigation · Civil Litigation · Employment Law David Brock david@buy-lawfirm.com

Greg Yost greg@buy-lawfirm.com

Chad Upham chad@buy-lawfirm.com

Katrina Hamrick katrina@buy-lawfirm.com

BROCKUPHAMYOST.COM

Texas to see less but solid economic growth in 2020, says REC

T

The U.S. and Texas economies are expected to slow in 2020 but still register solid positive growth, according to the Real Estate Center's 2020 Texas Housing & Economic Outlook.

In an environment of slow economic growth and well-anchored inflation expectations, the Center expects interest rates to remain low with possibly another rate cut by the Federal Reserve of around 25 basis points. The rate cut will depend on whether weaker than anticipated economic growth occurs and/or if the trade disputes continue or escalate.

Last year, the Center predicted a slowdown in the U.S. and Texas employment that will continue through 2020. The labor market should tighten with upward pressure on wage growth.

The border metros will suffer from the U.S. and world manufacturing slowdown and low economic growth in Mexico.

Headwinds related to trade relations and slowing global economic growth will create uncertainty for business investment and hamper economic growth in the process. BBM Infomation courtesy of the Real Estate Center at Texas A&M University.

boernebusinessmonthly.com

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health

Optimal Thyroid Levels Maintain Energy and Metabolism

C

by Dr. Leigh Ann Greenberg, RPh

Can’t seem to lose that extra weight? Feeling tired or sad? Do you have thin, brittle hair or nails or even cold intolerance? These are a few signs and symptoms of suboptimal thyroid production or hypothyroidism. According to the American Thyroid Association, over 12% of the US population will develop a thyroid condition in their lifetime.

Women are 5 times more likely to have thyroid problems than men.

Some research indicates that stress and inflammation can prevent your thyroid hormone, T4, from activating into the useable form, T3.

Your healthcare provider can determine if there is a problem with your thyroid gland by using a blood test usually checked during your annual exam or when you have symptoms. Always ask for a copy of the blood work results. If you are having symptoms, but your doctor says your labs are normal, this doesn’t mean that it’s all in your head.

Comparing your lab values over time may show a trend up or down, which may explain why you are having symptoms. Just because a lab value falls in the “normal” range doesn’t mean that it’s normal for you.

Thyroid-Stimulating Hormone (TSH) is commonly the only thyroid level drawn, but it has a wide reference range and optimal levels will fall closer to the center of the range. Other thyroid levels that should be ordered if TSH levels are not optimal (less than 2mIU/L) or you continue to have symptoms are Free T4, Free T3, and Thyroid Peroxidase Antibodies (TPO). These additional labs will allow you to see the whole picture.

If you fall in the normal range, but still have symptoms you may benefit from over-the-counter supplements to help boost your thyroid to the right level for you. XymoDine™ is an iodine supplement which may enhance thyroid production. Iodine is used as a building block to help your body make T4 and T3 to keep your metabolism functioning in a balanced state. Another thyroid supplement, T-150, has natural thyroid hormone along with a small amount of iodine and selenium to help relieve your symptoms.

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B oerne B usiness M onthly | January 2020

There are prescription medications that replace thyroid hormones also. You may have heard of or even tried Synthroid®, Levoxyl®, or Cytomel®. These synthetic medications only have one of the inactive form of thyoid, T4; therefore, it may be more difficult to achieve a balance if your body is not activating it to T3 efficiently. Armour® Thyroid is a prescription medication that has a mix of T4 and T3 from a porcine thyroid gland. The combination may help mimic the body’s natural way of producing these hormones. However, the strengths available may not work for everyone and porcine thyroid can be in short supply since it is a natural product. An accredited compounding pharmacy can make any T4/T3 combination prescribed by your healthcare provider.

Lastly, addressing the stress and inflammation in your body can increase your thyroid activation efficiency and may improve autoimmune conditions such as Hashimoto’s and Grave’s Disease which involve the thyroid gland. A functional approach is taken at Annie’s Apothecary by utilizing the Food Inflammation Test (FIT) to assess the foods that cause an inflammatory response in your body. Eliminating these foods and healing gut inflammation may also positively impact your thyroid hormone balance. See our ad this month for discounts on the FIT 132 & 22.

Make sure to talk to your doctor or pharmacist about these options if you think you may be experiencing symptoms related to your thyroid. BBM

anniesrx.com

211 S. Saunders – Boerne

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