Boerne Business Monthly - July 2018 by Distinct Media LLC

Volume 11, Issue 01: July 2018

BOERNE business monthly

Invest Strategically. Generate Power. Maximize Returns.

DIA’S BOUTIQUE NOW OFFERING WOMEN’S FASHIONS 5 COMMON RETIREMENT MISTAKES LOCAL NEWS & INFO

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Keeping up with technology can be a full-time job. Let GVTC’s technology experts evaluate your communication services to ensure you are staying competitive and using your technology dollars wisely. Our FREE Business Technology Evaluation includes: • Audit of all technology services • Assessment of Internet usage/speeds • Testing of connections, ports & routers • Recommendations for maximization

Maximize efficiency—and profits. Schedule a technology evaluation at

800.367.4882 or GVTC.COM

www.eggersscapital.com 114 E. Highland Boerne, Texas 78006

210.526.0057

1.888.511.1211

Eggerss Capital Management (ECM) is a fee-only Registered Investment Advisory firm specializing in financial planning and wealth management for individuals and institutions. Stocks Bonds ETFs Retirement & Social Security Analysis

Mutual Funds Alternative Investments Roth Conversion Analysis Education Planning boernebusinessmonthly.com

publisher's note

This issue marks the beginning of Boerne Business Monthly’s 11th Year! I honestly can’t believe that it has been that long. It seems like only yesterday we published our very first issue, and yet somehow this is number 121! Wow!! Along the way I have met a lot of amazing people. Learning their stories and sharing them with you has been a joy. publisher LAUREN TUTTLE STUMBERG art direction DISTINCT MEDIA, LLC cover photo PRITCHETT PHOTOGRAPHY for more information 210.219.6735 LAUREN@DISTINCT-GRAPHICS.COM

WWW.BOERNEBUSINESSMONTHLY.COM

This issue we feature the good folks at Renergy Solar. Gary Gonzales and John Williamson pride themselves on properly educating their clients so they can make an informed investment when it comes to solar energy systems. Check out the article on page 16 to learn more about putting solar energy to work for you! I highly recommend stopping into Dia’s Boutique. Ladies will find beautiful, unique clothing and accessories. The owner, Claudia Ghiurau is as lovely as her store. Stop in, say “hi”, and do some summer shopping! Read more on page 8. Also in this issue, Debi Burrows of Penguin Suits shares her review of The Grill at Leon Spring’s Gastronomy event, Karl Eggerss of Eggerss Capital Management shares five common retirement mistakes, Dr. Rachel Gravel of ABCD Pediatrics informs us of the importance of the child well visit, and so much more! It’s been a blessing to publish Boerne Business Monthly for these 11 years! Thank you all for your readership and support! I look forward to many more years of sharing Boerne businesses with you! Lauren Stumberg

Publisher

TEXAS INVESTORS TITLE Performance is Our Priority

Locally Owned ~ Nationally Recognized Stephen V. Vallone President, Escrow Officer steve@texasinvestorstitle.com Becky Edmiston, CESP Vice President, Escrow Officer becky@texasinvestorstitle.com 116 W. Blanco Rd., Suite 101, Boerne, Texas 78006 Office: (830) 816-5888 www.TexasInvestorsTitle.com Representing Stewart Title Guaranty and First American Title Insurance

COMMERCIAL ~ RANCHES ~ RESIDENTIAL PROPERTIES 4

B oerne B usiness M onthly | July 2018

Locally Owned and Operated Competence & Integrity

Allen & Associates, L.L.P. A Real Estate and Energy Law Practice

B.R. “Randy” Allen, III Attorney/Escrow Officer

Tyler Flynn

Attorney/Escrow Officer

Law Office: (830) 443-4900

Brian Clepp

Attorney/Escrow Officer

www.allenlawllp.com

Alamo Title Company Fee Office

alamotitleboerne@allenlawllp.com Title Office: (830) 357-5088

Luchia Johnson Escrow Manager

Jeanine M. Dixon Escrow Assistant

12 Upper Balcones Rd. Boerne, Texas 78006 Alyssa J. Gutierrez

Licensed Escrow Assistant boernebusinessmonthly.com

contents

July 2018

A B A N K T H AT K N O W S YO U B Y N A M E .

O R , I F YO U P R E F E R , BY USERNAME.

08: shopping

Dia’s Boutique: Now Offering Women’s Fashions

We meet you where you are with our top-rated app, by answering the phone 24/7 and with bankers who actually want to make your life better. Visit us at 1300 South Main Street or call (830) 249-6663.

12: calendar of events 14: real estate

May Brings Record Home Sales in San Antonio

16: cover feature MEMBER FDIC

Renergy Solar: Invest Strategically. Generate Power. Maximize Returns. by Lauren Stumberg

20: finances

5 Common Retirement Mistakes

• 2D/3D MAMMOGRAPHY • BREAST/BODY ULTRASONOGRAPHY

by Karl Eggerss, Eggerss Capital Management

• BONE DENSITOMETRY • ULTRASOUND/ STEREOTACTIC GUIDED BIOPSIES

SUZANNE DABBOUS, MD

BOARD CERTIFIED RADIOLOGIST

24: dining

The Grill at Leon Springs: Gastro Series is a Success

26: ribbon cuttings 28: wellbeing

The Well Visit

by Rachel Gravel, MD

30: employment

3.3 Percent Job Growth Predicted for Texas

Now Open in Boerne!

(210)826-2666 | AVESTEEIMAGING.COM ALAMO HEIGHTS 303 W. SUNSET RD. SUITE #200 SAN ANTONIO,TX 78209

BOERNE 1580 S. MAIN ST. SUITE #105 BOERNE,TX 78006

B oerne B usiness M onthly | July 2018

WESTOVER HILLS 9842 WESTOVER HILLS BLVD., SUITE #101 SAN ANTONIO,TX 78251

facebook.com/boernebusinessmonthly Boerne Business Monthly is published by Distinct Media, LLC, copyright 2018. 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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Covenant Services YOUR SUCCESS IS OUR MISSION

• New Location...New Owner...New Website! • Same Management... • Same GREAT SERVICE with ADDED Worker's Comp Benefits! Check out our new website for more details:

www.covenantsvcs.com

Howdy Neighbor! Covenant Services has relocated to Bandera, Texas "The Cowboy Capitol of the World," but we haven't left completely. We still live here and remain a part of your community!

(830)796-4050

148 Robindale W. – Bandera, Texas 78003 Texas PEO Lic. 1076

boernebusinessmonthly.com

shopping

Local Boutique Now Carries an Exclusive Collection of Unique Women’s Clothing and Gifts

Claudia Ghiurau, owner of Dia’s Boutique, is living the American dream. Originally from Romania, she moved to the United States about 25 years ago and has been in the Boerne area with her husband and daughter for almost four years now. “We came to Boerne for Dickens on Main. I immediately fell in love! I didn’t know that towns like this still existed,” said Claudia. “My husband had been relocated to San Antonio for work and it wasn’t long after that we decided to call Boerne our home.”

B oerne B usiness M onthly | July 2018

Having been in retail for over 20 years, working for leading kids brands such as Baby and Kids Gap, luxury French boutique brand Bon Point, and Justice for Girls where she developed relationships and managed a store that consistently was top 5 of sales volume in the nation, Claudia decided to branch out on her own and open a boutique on The Hill Country Mile. Originally focused on baby and children’s clothing, Claudia has decided to make the transition to carry boutique women’s apparel and gifts. “I want to concentrate on carrying comfortable, fun items. I love the fun, flowy clothing that can be dressed up or down. Every woman deserves to have unique clothes that are both beautiful and easy to wear,” said Ghiurau.

In addition to the clothing, she also carries fashionable jewelry, purses and accessories. Claudia added, “Eden’s Promise is a line of locally made goat milk lotions, soaps and lip glosses that we have in the store as well.” Claudia has also launched her own select private label clothing line named J.Nissi Collection. BBM This charming boutique is located at 242 S. Main Street. Be sure to stop in!

www.diasboutique.co boernebusinessmonthly.com

Bluebonnet Realty Since 1989

Offering Leasing, Property Management, Sales and Listings! Check out our properties on our website:

www.BoerneTexasHomes.com (830) 816-2288

Properties for Sale: NEW LISTING!

Cordillera Ranch: 220 Greystone Circle

Secluded 4 bed, 3 bath home in gated community on approx. 4.5 acs. plus outdoor 20 x 20 kitchen/entertainment area! $570,000

NEW LISTING!

113 Serenity Lane

Charming 3/2 BW Baker home on sought after cul-de-sac street. $345,000

B oerne B usiness M onthly | July 2018

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

ANGELA TURNER, BROKER (210) 912-8221

CAREY STEWART (210) 551-2883 Sales & Listings

SUZANNE MCGINNIS (830) 377-5227 Leasing, Sales & Listings

Sales & Listings

Introducing

JESSE ARREOLA (830) 299-0333 Sales & Listings

Properties for Sale: NEW LISTING!

238 Lone Tree

Immaculate 3 Bedroom/2.1 bath Hill Country home in Boerne. $372,500

PRICE REDUCED!

364 Menger Springs

Gated community, Custon home on 1.37 acres. Separate quarters. Total 4 bedrooms, 3.5 baths, over 4422 s.f. of living area. $870,000

UNDER CONTRACT!

109 Wagon Wheel S.

Cascade Caverns Sub. - 3 Bed, 2 Bath updated with laminate floors and tile baths. On 0.57 Acres, partially fenced with storage. $185,000

FOR LEASE: 209 Glenn Oaks: 3 bed, 2 ba on large lot with easy access to IH-10 - $1600 118 Timber View in Walnut Hills: 3 bed, 2 bath on 1/2 ac, carport and storage - $1250 51 Cascade Caverns Road: 2 bed, 1 ba on 3.5 acs. NO HORSES! - $1050

828 Mountain Creek Trail

2 Bedroom, 2 Bath on 9+ Acres in the gated riverfront community of The Crossing. Great Views! $250,000

119 Whisper Way: 2 bed, 2 ba, 1 car garage duplex with all tile floors - $1100 boernebusinessmonthly.com

calendar

July 2018

CALENDAR OF EVENTS

THROUGH JULY SUMMER LEARNING ODYSSEY: GALLERY DISPLAY:TWO-STEP YOUR WAY THROUGH HISTORIC TEXAS DANCE HALLS 9:00am to 6:00pm | Patrick Heath Public Library Gallery 451 Main Street – Boerne Texas dance halls are as diverse and vast as Texas itself.The photos presented illustrate this and are a reminder of what we have and what we are at risk of losing without preservation efforts. This gallery display is provided by the Texas Dance Hall Preservation Society. Free.

EVERY SATURDAY FARMERS MARKET AT THE CIBOLO 9:00am | Historic Herff Farm 33 Herff Road – Boerne The mission of The Farmers Market at the Cibolo is to provide area residents the opportunity to buy Hill Country grown and produced products and support local farmers and specialty vendors. If it’s homemade, handmade or fresh and tasty, you can get it at the Farmers Market at the Cibolo.

100 N. Main – Boerne This is the best sale of the year where you'll find HOT deals at retailers on and around downtown Boerne's historic Hill Country Mile! Participating stores will be marked by balloons outside, and filled with scorching deals inside--(in the AC, y'all!) Shop till you drop, then take a break at any of the Mile's restaurants and breweries for cool drinks and great food. Mark your calendars NOW for a day in downtown Boerne! Cost: Free Admission

JULY 4 INDEPENDENCE DAY

THROUGH JULY SUMMER LEARNING ODYSSEY: HISTORY OF BOERNE MUSIC 9:00am to 6:00pm | Patrick Heath Public Library; Second-Floor Gallery Wall 451 Main Street – Boerne Did you know Boerne operates the oldest continuing German band outside of Germany? Head upstairs to our second-floor gallery wall to discover more about the Boerne Village Band as well as other musical performers of days gone by. Free.

FOURTH OF JULY FIREWORKS 8:00pm | City Park 106 City Park Road – Boerne Feast your eyes on this magnificent, patriotic display. Sponsored by the Boerne Fire Department, the fireworks show will start a little after dark and can be viewed in many places around Boerne, but the best place is Boerne City Park. Bring chairs, picnics and your American spirit! Free Event.

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

JULY 6-7 HOT AS HECK SUMMER SALE! 10:00am to 6:00pm | Hill Country Mile

JULY 10 WORKSHOP: HOW TO DEVELOP YOUR COMPETITIVE ADVANTAGE AND GROW YOUR BUSINESS 8:30am to 9:30am | Chamber Boardroom 121 S. Main Street – Boerne Most businesses are facing more and more competition and a decrease in customer loyalty. It is crucial to have a clearly defined competitive advantage and to grow it. The stronger your

Krista Upham LoneStar Properties Top Producer 2017

Serving Real Estate Buyers and Sellers in the Texas Hill Country! Ranches H Residential H Commercial

(210) 884-5276 krista@lonestarboerne.com

222 South Main Street – Boerne, Texas 78006 (830) 249-7979 • LoneStar Properties Voted Best of the Best 2016 Ranch Sales • LoneStar Properties Voted Best of the Best 2015 Residential and Farm & Ranch Sales

www.LoneStarBoerne.com

B oerne B usiness M onthly | July 2018

competitive advantage the more valuable your business.The biggest advantage to a growing competitive business is that it protects owners from fatigue. CITY COUNCIL MEETING 6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne JULY 10-12 FAMILY TIE DYE DAYS 9:00am to 11:00am | Boerne Parks & Recreation Administration Office Boerne Neighborhood Park 1017 Adler St. – Boerne $5 per participant and only one garment per participant

David Brock, Chad Upham, Greg Yost and their staff are celebrating their ONE YEAR ANNIVERSARY and would like to thank their clients and the Boerne Community for making their first year a success!

616 E. Blanco Road, Suite 202B – Boerne, TX

(830) 816-9033

JULY 12 GBCC RIBBON CUTTING CEREMONY FOR TEXAS HERITAGE BANK 11:30am to 12:00pm | 1208 S Main St. – Boerne GBCC BOERNE AFTER 5: SPONSORED BY ISLE AT WATERCREST 5:00pm to 7:00pm | 6906 Heuermann Rd – San Antonio JULY 13 MOVIES IN THE PARK: "MOANA" 7:30pm | Boerne City Lake Park 1 City Lake Rd. – Boerne Come out early, pick your spot, get a movie snack or two and enjoy free entertainment before each movie.This Movie in the Park showing features "Moana". Festivities begin at 7:30PM (LATER START TIME), and the movie begins at dark. JULY 14 KUHLMANN-KING MUSEUM TOUR 12:00pm to 3:00pm | 402 E. Blanco – Boerne In honor of the 100 years passing since the death of Anton Wilhelm Christian or William Kuhlmann, the Boerne Area Historical Society will open the doors of the Kuhlmann-King House and Kitchen on Historic Hill in Boerne every second Saturday, for a look inside the life of early pioneers in Texas. Free Event. Please email to schedule a personalized tour. bahps@mail.com. SECOND SATURDAY ART BEAT 4:00pm to 8:00pm | Throughout Boerne Does the Love of Art Make Your Heart Beat Faster? Boerne shops and art galleries are teaming up to bring you a heart-racing fine art experience.Take a walk on the art side every second Saturday of the month from 4 - 8pm. Look for the flashy banners displayed throughout Boerne.  HOT ROD NIGHT –  LIVE MUSIC! 6:30pm | Soda Pops 103 N. Main – Boerne Classic Cars & Hot Rods Cruise In! Hot Rod Saturday Nights are reminiscent of Old Fashioned Americana Street Parties...A gathering place for old and new friends...”Bring a chair and git over here!” Dates subject to change due to weather!  JULY 14-15 BOERNE MARKET DAYS 10:00am to 5:00pm | Main Plaza Main Plaza comes alive with great shopping in an outdoor setting.

Deep Roots New Branches Since 1900

NEW Sonora Bank branch opening July 31st in Boerne! Boerne

122 W. Bandera • 830-331-9118 1570 River Road Opens July 31st!

San Angelo 5710 Sherwood Way • 325-949-0099 2502 Southland Blvd. • 325-947-2100

Bulverde

512 Singing Oaks • 830-438-0416

Sonora

102 E. Main • 325-387-3861

Wimberley

201 Stillwater, Suite 6 • 512-842-3316

SONORABANK.COM

Member

FDIC

continued on page 23

boernebusinessmonthly.com

real estate

MAY BRINGS RECORD HOME SALES IN SAN ANTONIO don’t miss out!

advertise in the Kendall county Wild game Dinner magazine! 2017 Kendall County

SPECIAL EDITION

Wild Game Dinner magazine

The Matkin Family Hunting Helps This Boerne Family Lay a Foundation for Their Sons

Kelly Gray:

PRESENTING SPONSORS:

TWO-TIME WINNER OF THE WILD GAME DINNER COVER PHOTO CONTEST

Meet the Scholarship Recipients and so much more! JOIN THE FUN! Saturday, November 4th @ the Kendall County Youth Agriculture & Equestrian Center Located off of IH-10 at 649 FM 289 – Comfort, Texas

TO PLACE AN AD

OR FOR MORE INFORMATION CONTACT LAUREN STUMBERG (210) 219-6735 LAUREN@DISTINCT-GRAPHICS.COM 14

B oerne B usiness M onthly | July 2018

Real Estate Center research shows the local single-family sales boom continued in May, reaching a record-high 2,889 seasonally adjusted transactions through Multiple Listing Services (MLS). The area has benefitted from substantial population growth, adding nearly 500,000 residents in the past decade alone. Last year, the city added 24,208 new residents, more than any other city in the nation. Most of the growth occurred on the northern side of the region and continued to narrow the gap between Austin’s southern suburbs (see map). Despite population gains and robust housing demand, San Antonio maintained inventory levels comparable to the statewide level, currently above three months of inventory (MOI). While supply conditions are tight, the MOI is nearly a month above Austin, Dallas, and Fort Worth markets. This slack allowed the supply of homes to better meet burgeoning demand, thereby easing price pressures. On the surface, it appears that local home values are surging. According to the Federal Housing Finance Agency’s Housing Price Index, local prices rose 45 percent in the first quarter relative to 2007. That pace, however, is below statewide growth of 53 percent over the 11-year period. San Antonio’s median sale price reached a seasonally adjusted record high of $221,176 this year, still more than $10,000 below all other major Texas metros. Lower home prices help offset lagging wages in the region, leading to above-average housing affordability. "That advantage, however, is decreasing as home price appreciation outpaces wage growth," said Center Research Associate Wesley Miller. "San Antonio suffers from low educational attainment levels and a high concentration of lower-wage service jobs—a significant challenge to housing affordability. Like most of the state, waning affordability is pulling homebuyers from the new to the existinghome market where homes are typically less expensive." Homes priced below $300,000 account for more than 70 percent of San Antonio’s sales through an MLS, most of which are existing homes. The area's housing supply has provided sufficient room for growth to date but is on the brink of squeezing future transactions, as witnessed in hot housing markets across the nation. BBM Information courtesy of Real Estate Center Online News

NEW LISTING TOOLS SELL HOMES FASTER!

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

*Tiffany Joslin (210) 394-4399

*Rene Campbell (210) 542-0148

Jim Campbell (210) 838-1896

Steven Karam (210) 414-0105

WWW.DODGINGDUCK.COM

Investment Real Estate Financing Non-owner occupied investment real estate Purchase or reﬁnance Up to 10-year ﬁxed-rate term with 20 years amorrzaaon 20-25% down payment or equity in property (per appraisal) No prepayment penalty Local decision making and servicing Established local insstuuon (since 1955)

Wiley & Kathy Cloud, Brokers (830) 755-8693 | (210) 710-6601

Real Estate Office:

(830) 755-8693 1440 South Main 210.561.4578  utxcu.com

Career Inquiries (830) 755-8693 boernebusinessmonthly.com

cover feature

Invest Strategically. Generate Power. Maximize Returns. by Lauren Stumberg

Summer is here, the sun is shining and it’s just plain hot! As the temperatures soar, so do our electricity bills. One local company, Renergy Solar, offers solutions to harness that solar energy through systems designed to generate clean, renewable energy that will positively affect your budget. Owned by partners John Williamson and Gary Gonzales, Renergy Solar is a family-owned business based here in Boerne that serves residential, ranch, and commercial clients in central and south Texas and the hill country. Founded in August 2016, Renergy Solar was launched as a spin-off of Williamson Roofing, also a Boerne-based company, founded in 2009. “Since solar panels are often placed on rooftops, a solar company was a natural extension to Williamson Roofing,” said John Williamson. “We install solar panel systems on residential and commercial roofs, structures

Why Solar? Adoption of solar power offers benefits to all consumers – whether motivations are economic, environmental, or personal. The following are some of the top reasons why solar energy is more popular than ever in the US and is being installed at residential and commercial properties at a record pace. #1 REDUCE OR ELIMINATE ELECTRIC BILLS Electricity costs represent a large portion of monthly expenses for homeowners and businesses alike. A solar energy system will begin to generate electricity at a reduced cost beginning on Day 1 of activation. Generating your own power will continue for the >30-year life cycle of the system enabling you to either significantly reduce or altogether eliminate that monthly electric bill. #2 RETURN ON YOUR INVESTMENT (ROI) Your return on investment with a solar energy system has the potential to exceed earnings compared with traditional investments. It is common for consumers to achieve full payback within 6-8 years after installation. Thereafter, all savings are net profit.

B oerne B usiness M onthly | July 2018

such as carports or awnings, and ground mounts. We even offer relocation services of existing solar panels and system redesigns.” According to Gary Gonzales, “What really sets Renergy apart from our competition is that we are committed to educating our clients to ensure they make a well-informed decision about their solar investment.” In fact, the Renergy Solar team helps to maximize the return on your investment by providing dwelling-specific solar systems designed to achieve optimal power output. Their team will thoroughly discuss the basic economics of embracing solar power, the various options for design, and steps required during the project life cycle. “The number of solar panels needed and the correct system size is unique for each home/business. We help our customers determine what size system will fit their needs by evaluating

#3 PROTECT AGAINST RISING ENERGY COSTS Historically, residential electricity rates have increased annually by 3%. The power generated from your solar energy system will ‘lock in’ the rate paid for electricity.

by 123% in the past 6 years, resulting in nearly 115,000 domestic living-wage jobs. This growth is expected to continue. As of 2016, 1 million solar energy systems have been installed on homes and businesses. Total US installations are expected to reach 2 million by the end of 2018.

#4 INCREASE PROPERTY VALUE US Department of Energy studies have found that homes equipped with solar energy systems have higher property values and sell faster than non-solar homes. On average in Texas, the value of homes equipped with solar capture increases $4.00/watt. So, an average 5 kW system will yield an ~$20,000 increase in your property value.

#7 ENVIRONMENTAL PROTECTION Solar is a great way to reduce your carbon footprint. Buildings produce 38% of carbon emissions in the US. The average solar energy system can eliminate 3-4 tons of carbon emissions annually which is equivalent to planting >100 trees.

#5 BOOST US ENERGY INDEPENDENCE The sun is a near-infinite source of energy and a key component of achieving energy independence in the United States. By increasing the capacity to generate electricity from the sun, we can also insulate ourselves from price fluctuations in global energy markets #6 JOB CREATION IN LOCAL ECONOMY According to The Solar Foundation, the solar industry added jobs at a rate nearly 12x faster than the overall US economy in 2015, representing 1.2% of all jobs in the country. In addition, solar industry employment has grown

#8 COMMITMENT TO SUSTAINABILITY Sustainability and corporate social responsibility are important components of organizational values. Consumers and communities are increasingly recognizing and rewarding businesses that elect to operate responsibly. Businesses are finding that “green” credentials are a powerful driver of consumer purchasing decisions which improves business-related results.

pictured: John and Jennifer Williamson and Jackie and Gary Gonzales photo by Pritchett Photography

their energy consumption for the past year, how much space they have for installation of the system, as well as the amount of money they would like to invest and the amount of electricity they would like to produce,” said Gonzales. “All of these factors help us create a system that will provide the customer with the most value.” “Many customers clearly see the benefits of using solar energy, but wonder if they can afford it. The prices for the components of a solar energy system have dropped significantly in recent years, making them more obtainable for consumers. In an energy environment where annual utility company rates are increasing faster than the rate of inflation, the affordability of solar power is bolstered by a generous 30% tax credit offered by the US Federal Government. In addition, financing methods can reduce or eliminate up-front costs. Meaning, you simply install solar panels and begin to pay less for electricity starting on day-one,” Williamson added. In addition to saving you money on your utility bills, the addition of a solar energy system adds value to your home or commercial property. Energy conservation and renewable generation is one of the best home improvement investments you can make. A US Department of Energy‘s Office of Energy Efficiency and Renewable Energy study reports home buyers are consistently willing to pay more for a property with solar across a variety of states, housing and solar markets, and home types. Renergy Solar strives to make the entire process as easy as possible for the customer. They help customers apply for the Federal Tax Credit continued on page 18

boernebusinessmonthly.com

continued from page 17

and other available rebates, obtain the necessary permits for installation and manage all of the necessary documentation and procedures to connect your system to the local utility grid. “We have designed, engineered and installed over 150 residential and several large commercial projects and take pride in our exceptional customer service. We are listed as a registered installer with CPS and Austin Energy and have worked with all local cooperatives.” said Gary. “Renergy was able to relocate our existing solar panels when we decided to move,” said Larry Sargent, a local homeowner who recently moved to the Boerne area from San Antonio. “I didn’t want to leave the panels when we sold our house and it was difficult to find a company to take on this project. Once I found Renergy, they exceeded my expectations. They relocated the panels, designed a whole new system and it is operating even more efficiently than before, increasing our energy savings! I very pleased and have referred the folks at Renergy to some of my neighbors and friends.” Gary added, “Much of our business comes from referrals from happy customers. We educate them and answer any and all questions throughout the process to ensure they make the most informed decision possible about their investment. That makes for satisfied customers.” BBM

www.renergysolar.com 18

info@renergysolar.com | 830.755.8699

B oerne B usiness M onthly | July 2018

SUMMER FUN! Summer is here! With so many choices for you to choose from, there is something for everyone! For ages 3-12, grouped into appropriate ages. Children must be potty trained.

Register today to reserve your spot! Session A: Sports Mania Monday - Wednesday, 9am-11:30am May include gaga ball, spike volleyball or other sports. $20 members/$25 non members /$10 current day camper. Snack provided, bring water and sunscreen and hat.

Session B: Discover Monday-Wednesday, 11:30am-2pm

May include science, art, cooking, building castles, fashion and more! $20 members/$25 non members. Please provide a lunch, sunscreen, water bottle and hat.

Session C: Explore Monday-Wednesday, 2pm-4:30pm

May include inside/outside games, new games, treasure hunts and more! $20 members/$25 nonmembers. Snack provided, bring water and sunscreen and hat.

Session D: Wacky Water Fun Thursdays Only, 9am-4:30pm

BOERNE FAMILY YMCA (830) 815-1040 YMCASATX.ORG

Water games, team water games and MORE water games! $40 members/$50 non members. Please provide a lunch, sunscreen, water bottle and hat.

We specialize in individual, partnership, small and large corporate returns, and estate and trust taxation. Our full complement of tax services includes estate planning as well as preparing tax projections to help you plan for the years ahead.

â&#x20AC;&#x2039;Do you have a 13-15 year old? Sign them up as a Junior Leader for FREE!â&#x20AC;&#x2039;

Contact Matt Bueno at mattb@ymcasatx.org for session A questions! Contact Christine Schoch at christines@ymcasatx.org for sessions B, C, & D questions!

616 E. Blanco, suite 300e, Boerne| 830-815-1100

| www.adkf.com

Keeping You In Motion orthopedic performance

institute

BOERNE FAMILY YMCA (830) 815-815-1040 joinymca.org

Matthew Dwyer, MD

Board Certified Orthopedic Surgeon

Craig Glauser, MD

Board Certified, Fellowship-Trained Foot and Ankle Specialist

Christopher I. Phelps, MD Board Certified, Fellowship-Trained Orthopedic Surgeon

CALL US TODAY TO SCHEDULE AN APPOINTMENT: BOERNE

134 Menger Springs, Suite 1210 Boerne, TX 78006 Phone: (830) 816-5011

STONE OAK

1139 E. Sonterra Blvd., Suite 500 San Antonio, TX 78258 Phone: (210) 545-7171

BULVERDE

Bulverde Ridge Medical Business Park 32685 US Hwy 281 N, Suite 100 Bulverde, TX 78163 Phone: (210) 545-7171

OrthopedicPerformance.com boernebusinessmonthly.com

finances

Most of us know how to get to retirement. Save 15% of your salary, pay yourself first, spend less than you make, invest wisely and diversify. Those are just some of the instructions we’re given. While getting to retirement and having it funded takes time and patience, the formula is generally the same for most. But, when you’ve made that decision to actually retire, there are some critical items to consider that can make the difference between just getting by in retirement versus doing the things you truly desire. We will tackle the 5 most common retirement mistakes below. Let’s first address one of the big ones, social security. It’s tempting to want that mailbox money as soon as possible. So many people opt to take social security either as soon as possible (age 62) or the year they retire. But, consider deferring social security until age 70 (or as long as possible). If you view lost benefits from ages 62-69 as a premium to buy a larger annuity starting at age 70, delaying social security can be viewed as the best annuity that money can buy. Consider it cheap longevity insurance. Since it increases by 8% every year you delay and it offers cost of living adjustments once benefits begin, it’s a better deal than what can be purchased through a typical annuity. The difference between taking social security early at age 62 and age 70 is approximately 76% meaning your check will be 76% higher at age 70 than

B oerne B usiness M onthly | July 2018

5 at age 62. You need to ask yourself if you have investments that consistently go up 8% per year. Things to consider would be other income during those years, adequate savings on which to live, your tax situation, and your marital status. This decision should not be taken lightly. Planning for social security should not be done in a vacuum. A comprehensive retirement plan is generally required to see how social security would impact your overall retirement. With pensions becoming a thing of the past, many retirees have some savings, their 401(k), and will get social security in retirement. This often leads to a drop in income the year they retire and a gap between this time and when they take social security. While it may be uncomfortable to live off savings instead of having a steady income, use that time to your advantage. Your tax bracket will likely be significantly lower during this time period. This is an excellent time to consider Roth IRA conversions. Taking tax-deferred IRAs and converting some or all to Roth IRAs over a period of years can help minimize taxes in retirement. In a year of no income, a Roth conversion can be beneficial due to the fact that much of the conversion may not be a taxable event. In addition, Roth IRAs grow tax free. Again, there is a lot of analysis that needs to take place to see if this strategy would make sense for your particular circumstances.

COMMON RETIREMENT MISTAKES by Karl Eggerss, Eggerss Capital Management

Many retirees have a large portion of their net worth in their primary house as equity. Unfortunately, that equity is not something that you can use to take vacations or pay the bills. Or is it? There are various ways to tap into that equity and enjoy it in retirement. Due to some changes in the laws post 2008 recession, consumers are more protected than ever when it comes to using that equity. We’ve been trained to want to pay down that mortgage as fast as possible. But, if it’s to the detriment of your daily cash flow, then it’s not worth doing. If your goal is to have as much cash flow as possible in retirement for travel, spending time with grandchildren, or giving it away, using some of the equity in your home may be a partial solution. As mentioned earlier, accumulation in preparation for retirement is a must. But, what if you’ve accumulated too much? Sometimes, we meet retirees that aren’t doing the things they thought in retirement because they’re concerned they may run out of money. Some studies show that retirees are more fearful of running out of money than they are death. Because nobody wants to see their investment balances go down, retirees rarely spend down their savings causing them to control their spending too much. In fact, according to the Employee Benefit Research Institute, folks who retired with at least $500,000

of non-housing assets had just 11.8% less money two decades later. Clearly retirees are dying with a sizeable estate. This may be intentional for some retirees depending on their legacy goals. But, there are many who aren’t intending this. Because they have not consulted with an advisor, they really don’t know how much they can afford to spend each year. There are many tools available that will enable you to spend what you want without running out of money in your lifetime. The last common mistake we see retirees make is not exploring all options when it comes to longterm care planning. Long-term care planning is the toughest item to plan for because the majority of you reading this will not ever live in a long-term care facility. But, that doesn’t mean we don’t plan. Simple long-term care policies generally aren’t the answer because they either don’t cover some of the most critical needs or a couple will get priced out over time due to escalating premiums. The premiums get so high that oftentimes a couple will cancel their long-term care policy before they actually need it which ends up being a waste of thousands of dollars on premiums. A common solution is to use the home equity in your primary home when the house is sold to fund longterm care. Another solution is to contract with a company that will allow a couple to insure against the rising costs of longterm care while creating a benefit for heirs if they don’t end up using the money for it. Again, this takes some comprehensive planning to see if this might be a viable solution for your particular situation. Retirement planning shouldn’t be aimed at accumulating as much as you can, retire, and then hoping you die before you run out of money. Consulting with a fee-only financial planning firm can help you look at all of these items holistically and develop a game plan. This will dramatically increase the odds that you will accomplish your goals in retirement. BBM

Eggerss Capital Management is a fee-only independent Registered Investment Advisor located in Boerne, Texas. In 2010, Karl established Eggerss Capital Management, his own registered investment advisory firm dedicated to providing clients with superior financial counsel in the changing economy. His market insight and cutting edge strategies help fulfill the mission of Eggerss Capital to help clients be protected and profitable in the face of a rapidly changing market. www.eggersscapital.com

(210) 213-0398 | Lori@LoneStarBoerne.com

222 South Main Street – Boerne, Texas 78006 (830) 249-7979

www.LoneStarBoerne.com

Let me show you through the Hill Country!

Serving our Friends and Neighbors of the Hill Country Since 1916

“Where experience and service make the difference” From its beginning in 1916, Kendall County Abstract Company has been Kendall County’s locally owned and operated title company. Over the last 100 years, we’ve earned the trust of real estate professionals because we’re experienced, we’re professional, and we care about our customers.

Ashlee Pfeiffer, Manager

Agent for:

• Stewart Title Guaranty Company • Fidelity National Title • First American Title Insurance • Alamo Title Insurance

830.816.2131 | 830.249.3341 - Fax 103 N. Saunders • Boerne, Texas 78006 (across from the courthouse)

VISIT US AT WWW.KCAC.NET boernebusinessmonthly.com

Phillip Bell

& Assoc., llc

• ENERGY EFFICIENT • WATER CONSERVATION

PHILLIP BELL

REALTOR®, GREEN/Consultant

210.415.8483 pbell@texas.net

phillipbell.net

AVAILABLE FOR RESIDENTIAL DEVELOPMENT

614 FREY STREET This listing consists of two properties contiguous to each other presently zoned R “residential.” The property is 3.1 ac. offered for sale for potential multifamily development with request and approval for zoning change. Located on Frey St and Bandera Rd., next to Franklin Place Assisted Living Center and across from the Rainbow Senior Center. Each lot is approx.1.5 ac. There is a house located on each lot. The properties are offered for the value of the land. Both houses have little or no value and sold “as-is.”

OTHER UNLiSTED COMMERCiAL PROPERTiES AVAiLABLE! 22

B oerne B usiness M onthly | July 2018

JULY 2018 CALENDAR OF EVENTS | cont’d JULY 17 ABENDKONZERTE 7:30pm to 9:00pm | Main Plaza 100 North Main – Boerne The Boerne Village Band is the longest continuously playing German Band in the world outside of Germany! Regulars to the concerts come early to grab their favorite spot at the Plaza, to hear the "oohm pah pah" of their favorite tunes and watch the kids do the chicken dance! Concert goers bring lawn chairs, blankets and picnics. Free. JULY 20 - AUGUST 4 BOERNE COMMUNITY THEATRE: "THE HALLELUJAH GIRLS" 8:00pm | Boerne Community Theatre 907 E. Blanco – Boerne This rollicking Southern comedy takes place in SPA-DEE-DAH!, the abandoned church-turnedday-spa where a fiesty group of females gathers every Friday afternoon. After the loss of a dear friend, the women realize time is precious, and if they're going to change their lives and achieve their dreams, they need to get on it now! But Sugar Lee, their high-spirited, determined leader, has her hands full keeping the women motivated.Tension mounts when a sexy ex-boyfriend shows up unexpectedly, a marriage proposal comes from an unlikely suitor and Sugar Lee's archrival vows she'll stop at nothing to steal the spa away from her. By the time the women rally together to overcome these obstacles and launch their new, improved lives, you've got a side-splitting, joyful comedy that will make you laugh out loud and shout "Hallelujah!" www.boernetheatre.org STAR PARTY 9:00pm to 11:00pm | Boerne City Lake Park 1 City Lake Rd. – Boerne This astronomy-filled event will feature star experts with their telescopes for dazzling night-sky experiences. Meet near the pavillion, no registration required.Telescopes provided by San Antonio Astronomical Association. Bring blankets, chairs & bug spray. Hosted by Patrick Heath Public Library & Boerne Parks & Recreation. Free. JULY 23 KENDALL COUNTY COMMISSIONERS COURT 9:00am to 11:00am Kendall County Courthouse 201 E. San Antonio Ave. – Boerne JULY 24 CITY COUNCIL MEETING 6:00pm to 8:00pm | City Council Chambers 124 Old San Antonio Road – Boerne JULY 26 GBCC WORKSHOP: LINKEDIN:THE MOST IMPORTANT SOCIAL MEDIA TOOL 11:30am to 1:00pm | Boerne Chamber

“Thank you Sonora Title for your help and professionalism with the closing for our clients. In our business of helping our owners build their own home, it is refreshing to engage with someone who ‘gets it’.”

Charlie Crocker ecolux|homes

Sheridan Smurr Escrow Officer

A wholly owned subsidiary of First Sonora Bancshares, Inc.

101 Woods of Boerne, Suite 100 • Boerne, Texas 78006 • (830) 816-1444

sonoratitle.com

Boardroom LinkedIn is a social media platform created to connect professionals. Learn the top 5 mistakes most people don’t even know they are doing. Learn how to become an “Allstar” and why it’s so important. Acquire techniques for adding new connections and how to get recommendations. Last but not least, learn how to use the Blog feature. Trust me, you don’t want to miss learning how to take your LinkedIn skills to the next level. $5.00 for workshop only ; $15.00 for workshop and lunch. GBCC BOERNE AFTER 5 MIXER: PERRY HOMES 5:00pm to 7:00pm | 111 Coleto Creek – Boerne

JULY 26 MOVIES IN THE PARK: "A CHRISTMAS STORY" 7:30pm | Main Plaza 100 N. Main – Boerne Come out early, pick your spot, get a movie snack or two and enjoy free entertainment before each movie.This "Christmas in July" Movie in the Park features "A Christmas Story". Festivities begin at 7:30PM (LATER START TIME), and the movie begins at dark. Free Event. JULY 28 HOT ROD NIGHT –  LIVE MUSIC! 6:30pm | Soda Pops 103 N. Main – Boerne Classic Cars & Hot Rods Cruise In! Hot Rod Saturday Nights are reminiscent of Old Fashioned continued on page 27

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dining

Gastro Series is a Success

Chef Thierry Burkle, owner and Chef du Cuisine at The Grill at Leon Springs, is introducing a new Gastronomy dinner series. The chef will share the art of selecting, pairing and putting together an excellent meal for each of his Gastronomic Dinners. Each month’s dinner will be a different journey through Chef’s interpretation of FiveStar-Michelin cuisine. Each unique menu will feature bountiful flavor combinations and ingredients at the height of the season. Chef Thierry hopes guests will attend without any preconceived notions and open themselves to new heights in dining. His menus for each dinner event will consist of three to five courses at a cost of $25 and paired with a perfect complement of wine for an additional $15 per person. As a challenge to those who shy away from foods or say they do not like something that they may have never tried before, the exclusive menus will not be pre-announced. Chef wants guests to relax, enjoy and take a fresh look at the extraordinary food creations he prepares from scratch and hand plates himself especially for these events. Chef Thierry Burkle began his culinary career in his native Paris and moved to Washington D.C. to continue his work with French chef Michel Laudier at the highly regarded Rive Gauche. He remained in the nation’s capital as part-owner of Place Vendôme, recognized as one of the 50 Best Restaurants by both The Washingtonian and Esquire Magazine. His first restaurant in San Antonio, L’Etoile, an acclaimed progressive French restaurant

B oerne B usiness M onthly | July 2018

closed in 2009, not long after The Grill at Leon Springs was opened. Burkle is a member of the Master Chef Association and continues to travel to France frequently. The Grill at Leon Springs is a one-of-a-kind creative dining and entertainment experience rooted in European cuisine and hospitality, and inspired by the Texas Hill Country. They have a reputation for fresh from scratch cooking and friendly, personal attention to all guests. The broad and affordable menu at The Grill at Leon Springs is as accessible to the casual diner as it is to the discriminating gourmet. They have become a neighborhood favorite for residents of The Dominion, Fair Oaks Ranch, Boerne, and Leon Springs—a place where friends meet for happy hour, late-night dancing, intimate dinners, and family meals. Businesses turn to The Grill for catering and private parties, and discerning hosts rely on The Grill for special off-site events. Chef Thierry invites the public to attend the next of these special events. The evening not only will heighten the gastronomic senses, but provide a complete experience with a little fun and laughter as the joy of food and the combination of flavors, textures and aromas transport his guests. Gastro Events will be each month. For additional dates please check the website or FaceBook. Limited seating, please RSVP before each Gastro Event. BBM

WWW.LEONSPRINGSGRILL.COM

dining with debi I always have high expectations for the food when dining at The Grill at Leon Springs, but Chef Thierry’s Gastronomy Dinners surpass anything else I’ve had there. The Gastronomy Dinner menus are gifts that Chef Thierry Burkle, owner and Chef du Cuisine at The Grill at Leon Springs, provides his guests. Like all thoughtful and meaningful gifts, the meals are both a surprise and delight. Chef Thierry puts his heart and soul into each of the carefully hand-plated dishes, which is apparent to the diner. The menus for each dinner are not revealed until the diners take their place at the table; the Chef explained that this is to keep diners open-minded and receptive to the dinner, rather than focusing on something that they think they won’t like before they even arrive. The flavor combinations in the 5-course meals are unique and exciting and are a testament to the Chef’s experiences and mastery with food. The care taken in the selection and preparation of the ingredients extends to the artful plating which serves to enhance the experience since we eat first with our eyes. I have attended two of the Gastronomy Dinner events; the first dinner featured perfectly prepared scallops and duck, the second included pork belly and the most tender sword fish I have ever had. Each course was an explosion of flavor and was paired

with a wonderful wine. I always have trouble choosing the right wine when I dine out; well let me tell you, Chef had no trouble, as to be expected, and each wine was a soft subtle complement to the dish. I highly recommend Gastronomy Dinners at The Grill at Leon Springs. The next one is July 18th. You can thank me later. BBM Debi Lamb-Burrows is the Owner/Head Storyteller/Strategist of Penguin Suits. She develops innovative programs that promote and grow businesses. Her passion is developing specialized messages and marketing tools that give excellent ROI and lead generation for her clients’ businesses.

building your practice from the ground up

37131 IH 10 – West Frontage Road, Suite 300-2 Boerne, Texas 78006

(830) 428-3022

www.aerialyogaboerne.com

Specializing in all styles of Yoga classes! We have classes for every BODY! NEW STUDENT SUMMER SPECIAL $100 – 30 days of unlimited Yoga! boernebusinessmonthly.com

ribbon cuttings

Greater Boerne Chamber of Commerce June 2018 Ribbon Cuttings

CIBOLO CREEK DERMATOLOGY GROUP’S GRAND OPENING The staff at Cibolo Creek Dermatology Group in Boerne, Texas offers consistent excellent care to their patients. When you come in for an appointment, they are committed to focusing entirely on them. Their providers are experts in their specialties so that their patients can be guaranteed a positive experience during their visit. Dr. Monica McCrary, a board-certified dermatologist, ensures that her patients are provided with the most current and trusted treatments for the skin and hair while offering the latest in dermatologic technology available today. To make an appointment with Cibolo Creek Dermatology Group you can call (830) 9719151 or go online to their website cibolocreekdermatologygroup.com. Their office is located at 120 Dietert Avenue, Building #300 in Boerne behind River Road Pharmacy.

CIBOLO FAMILY MEDICINE WELCOME’S DR. JAMIE WISEMAN Cibolo Family Medicine has made an important addition to their clinic, Dr. Jamie Wiseman, MD who grew up in Leon Springs and frequented the Texas Hill Country with her family. Her parents had a shop on Main Street in Boerne for 10 years. Preventative care and education are passions for Dr. Wiseman and she understands patients thrive in an environment where they are the focus. Most importantly Dr. Wiseman recognizes that it is a privilege to be entrusted with her patients health. You can find Dr. Jamie Wiseman and Dr. Sara Stuart, DO and their team at Cibolo Family Medicine at 211 N. Main Street in Boerne at the corner of North Main and Blanco Road. To make an first appointment or a consultation, you can call (830) 428-2500 or go online cibolofm.com.

SAINT TRYPHON FARM & VINEYARDS Saint Tryphon (pronounced tree-fon) Farm & Vineyards developed from three core loves: TEXAS, the great wines of the world and good people. Their goal is to craft great wines from great vineyards in Texas. And by “great” they mean interesting, wild and authentic. Saint Tryphon is a family farm: Silouan, Mary Elizabeth and Anna Bradford along with their horses, sheep, and chickens curate a farm that works to create harmony within itself. Love, compost, rigor & invention, they are a bit interesting, wild and authentic too, just like their wines. You can find Saint Tryphon Farm & Vineyards at 24 Wasp Creek Road just North of Boerne. For tour, event and wine information, be sure to visit their website sainttryphon.com or call them at 830-777-6704.

SWIM LESSONS BY MS. CAROL Swim Lessons by Ms. Carol’s owner and instructor, Carol Capes, a Red Cross certified WSI (Water Safety Instructor), believes that teaching swimming lessons is Gods calling for her. She has been teaching swim lessons since 1990, and during that time she has worked as a first aid and life guard instructor, a special Olympics aquatic coach, a swim coach for the USAA SAWAVE (San Antonio Wave Swim Team), and has taught CPR. Carol teaches both private and semi-private swimming lessons, with class sizes no larger than two students. Each class is a half an hour long, four days a week Monday through Thursday. Carol also offers water physical therapy exercise classes which are an hour long, by appointment only. You can schedule lessons at Swim Lessons by Ms. Carol online at swimlessonsbymscarol.com or call (210) 884-0321.

BOERNE VISION CENTER’S OPEN HOUSE Since 2012, Boerne Vision Center has been the preferred provider of comprehensive, personalized vision examinations and services to our patients in Boerne and the surrounding areas. Dr. Susan L. Johnson, O.D., MPH and Dr. Charles D. Brodrick, M.D. are inviting everyone to come by and see their newly decorated and expanded office located at 124 E. Bandera Rd., Suite 403 in Boerne. Their motto is “Excellence in Eyecare!” It is our mission to give the utmost care to each and every patient. Through integrity and professionalism, we provide caring, comprehensive eye and vision health services, a wide variety of quality products, and an experience that will surpass expectations. To schedule an appointment at Boerne Vision Center you can call (830) 331-8745 or go online boernevisioncenter.com.

CELEBRATING THE CHAMBER’S NEW VISIONARY PARTNER H-E-B BOERNE The Visionary Partner membership level offers an up-front commitment to making Chamber involvement a priority. By joining at this level H-E-B is committed to helping the Boerne community and businesses in the area. The mission of the Boerne Chamber is to enable the success of our businesses through advocacy, education and connection. With their support at the Visionary level the Chamber will be able to offer more educational opportunities at a lower cost to our smaller businesses as well as better serve the Boerne community. We are excited about the opportunities this level of membership will provide to our community as a whole.

INSPIRE 2B TRANSFORMED Inspire 2b Transformed is a nonprofit organization formed and run by Valessa Winslow which focuses on helping make the world around us a better, happier place. Inspire 2b Transformed programs work with all ages who are exhibiting behavioral and/or emotional problems of varying degrees. All programs work with the youth and their families to help set and obtain goals and get them back on track for a successful future. Inspire 2b Transformed will provide at risk youth with leadership training, work based mentoring, youth entrepreneurial workshops, as well as basic education, educational competency classes, tutoring and recreational activities. You can purchase Valessa’s books “Rape the Silencer” online at inspire2btransformed.org as well as Amazon.com and Kindle. You can also call Valessa of Inspire 2b Transformed at (210) 236-2496 for more information.

B oerne B usiness M onthly | July 2018

WOODFOREST NATIONAL BANK For over 35 years Woodforest National Bank® has successfully stood among the strongest community banks in the nation, proudly offering outstanding quality customer service since 1980. Woodforest offers both consumer and small business products and services. Woodforest is privately owned and our Employee Stock Ownership Plan is the largest shareholder. In the spirit of “true ownership” Woodforest employees strive to offer quality banking service and to understand the financial needs of every customer they serve. Today Woodforest National Bank has over 700 branch locations including Texas. The Boerne Branch’s General Manager Audrey Garza and her team are located in the Walmart Shopping Center at 1381 S. Main Street, Suite 107. You can also find out more information about them online at woodforest.com or call them at (830) 249-0257.

JULY 2018 CALENDAR OF EVENTS | cont’d Americana Street Parties...A gathering place for old and new friends...”Bring a chair and git over here!” Dates subject to change due to weather!  JULY 28 TRACY BYRD IN CONCERT 8:00pm to 11:00pm | The Roundup 531 FM-3351 N. – Boerne Get your tickets now to see country music icon Tracy Byrd LIVE at The Roundup Saturday, July 28th! Guests can enjoy a full bar, beer garden, food trucks, a playground for kids and more! Cost: $25-$45 www.therounduptx.com for more info. JULY 31 GBCC RIBBON CUTTING CEREMONY FOR SONORA BANK 11:30pm to 12:30pm | 1570 River Road – Boerne ABENDKONZERTE 7:30pm to 9:00pm | Main Plaza 100 North Main – Boerne Cost: Free BBM

YOUR HILL COUNTRY WEALTH MANAGEMENT FIRM Our team of seasoned professionals can help you meet your financial goals. Contact us today for a free consultation! 616 E. Blanco, Suite 201-A Boerne, TX (830) 816-5131 PCIAWealth.com Securities offered through Private Client Services, Member FINRA/SIPC. Advisory services offered through Prime Capital Investment Advisors, LLC. (“PCIA”), a Registered Investment Adviser. PCIA: 6201 College Blvd., 7th Floor, Overland Park, KS 66211. PCIA doing business as Qualified Plan Advisors, (“QPA”). PCIA and Private Client Services are not affiliated.

EDUCATING CLIENTS TO ENSURE AN INFORMED DECISION IS MADE ABOUT THEIR SOLAR INVESTMENT. FAMILY OWNED | BASED IN BOERNE, TEXAS

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wellbeing

The Well Visit

by Rachel Gravel, M.D. | ABCD Pediatrics

Well Child visit, Annual visit, Physical… words you may have heard for this important visit with your child’s physician. Well child visits are more important than you may realize. Children see their pediatrician 9 times for well visits before their second birthday. Most parents are aware of these early visits as a baby and toddler, but these visits should continue through childhood and adolescence as well. So, what is so important or what are done at these visits, you may ask? We were just there for an ear infection or cold, why do we need to go back for another visit? Or, if my child is healthy and doesn’t need vaccines, what’s the point of going? From head circumference and anemia screens for the babies to scoliosis and depression screening for the adolescents; there are guidelines for what should be done during each of these visits as well as a set of time specifically to discuss vital topics. These visits are recommend by the American Academy of Pediatrics, AAP, as well as felt to be valuable enough that most insurances cover these visits without a co-pay or covered fully. Vaccines are a part of some visits, but this is actually a very small portion of the well visits. Chronic illness and acquired diseases can show subtle signs early on that can be discovered at well visits, such as hypothyroidism, celiac disease, diabetes, anxiety

B oerne B usiness M onthly | July 2018

and several others. Some skin and physical exam findings can also be signs of underlying illness that may be first noted at a well visit. BABIES AND THE YOUNG CHILD: We review growth, development, nutrition, oral and dental care, as well as the physical exam. We also spend time discussing anticipatory guidance, topics to help prevent illness and injury, and expected milestones to come. We will also ask questions to review for possible underlying illness and go over any parental concerns. OLDER CHILD AND ADOLESCENT: We screen for any behavior or learning concerns, anxiety or depression, and often will speak to the child with the parent out of the room to review any other concerns the child wishes to discuss. We also continue to review growth, check blood pressure, and monitor puberty progression and things that come with this, including acne and menstruation. This consistency of visits also helps form a relationship with the child as well as build trust as the child goes through adolescence and the decisions and pressures that come with this age. CAMP OR SPORT PHYSICAL: These physicals and questionnaires are more than just a formality, but used to help prevent sudden cardiovascular death and other injury or illness during activity. These forms are often done during the well visit. We like

to encourage children and adolescents to see their primary care physician for their annual physical or sports physical, to be able to track a child’s history. Children that have weight concerns or family history also may need lab screening for things like diabetes or elevated cholesterol as well as building a plan to help reach healthy lifestyle goals. HIGH SCHOOL SENIOR: The senior students getting ready for college also may need paperwork and vaccine updates such as the new Meningitis B vaccine, the Meningitis booster, and the HPV vaccine. We also like to discuss with this population healthy lifestyle planning with eating, exercise, as well as good decision making skills in social and other settings. The summer season is a busy time in the pediatric office for physicals, so call early and book your appointment for this important visit. BBM Dr. Rachel Gravel is dedicated to providing high quality, evidence-based care and providing a medical home for families from newborn through adolescence. Dr. Gravel has worked for Boerne Pediatrtics since 2016. abcdpediatrics.com, (830)816-5055

Stubborn scars have met their match! Annie’s Scar Gel Buy 1, Get 1 Free! Buy any size, get one of equal or lesser value for FREE. Available in store or online using promo code BOGOSCAR

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“The Only Accredited Compounding Pharmacy in Kendall County!” 31007 IH 10 W Suite 108 Boerne, TX 78006

227 ACRES BANDERA COUNTY RANCH 9061 BANDERA CREEK ROAD AVAILABLE FOR $3,575,000 227 acres of Hill Country beauty adjoining the 5,360 acre Hill Country State Natural Area. Miles of riding, jogging, hiking and nature trails are in your backyard. Currently used as a 6-cabin guest ranch with 13 guest rooms that can accommodate 40 guests comfortably, a guest lodge with a commercial kitchen, a beautiful cottage, and 2 room cabin near the entrance. This place would be ideal for a corporate retreat, family compound, church camp, or development into an equine or fitness training center. The lodge has a commercial kitchen with table space for 50 and the horse barns have 36 stalls. A little over an hour drive to San Antonio International Airport.

LIVE.KUPERREALTY.COM/9061BANDERACREEKROADBANDERATX78003

FRED STUMBERG REALTOR® c. 210.287.4149 fred.stumberg@sothebysrealty.com kuperrealty.com

MARK BUKOWSKI REALTOR® c. 719.650.7012 mark.bukowski@sothebysrealty.com kuperrealty.com

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employment

Dallas Fed: 3.3 percent job growth predicted for Texas

Texas employment will grow 3.3 percent this year, according to the Texas Employment Forecast by the Federal Reserve Bank of Dallas. The prediction fell from 3.6 percent after incorporating May's annualized employment growth of 3.2 percent. "Texas job growth continued at a strong pace in May," said Keith R. Phillips, Dallas Fed assistant vice president and senior economist. "However, growth has slipped a little over the past three months, which, along with a slowdown in the Texas Leading Index, has resulted in a slight downward revision to the 2018 forecast." Based on the forecast, the state will add 412,000 jobs this year. Employment in December 2018 will reach 12.7 million. The estimate is significantly higher than 2017's 1.9 percent job growth. That number was recently revised down from 2.1 percent. BBM Information courtesy of Federal Reserve Bank of Dallas and Real Estate Center Online News

THE RIGHT AUDIENCE FOR YOUR BOERNE BUSINESS! WHAT ARE YOU WAITING FOR? CALL (210) 219-6735 OR EMAIL ADVERTISE@DISTINCT-GRAPHICS.COM FOR MORE INFO ON ADVERTISING YOUR BUSINESS IN BOERNE BUSINESS MONTHLY.

Life Isn’t Perfect, But Your Hair Can Be!

B CUTS • COLOR • STYLING Appointment booking available online at

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

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B oerne B usiness M onthly | July 2018

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Veronica “Barbie” Loehr, Owner/Stylist

830.249.7979 222 S. MAIN ST. | BOERNE, TEXAS

CORDILLERA RANCH Contemporary Hill Country estate on 4.3privately gated acres w/long-range unobstructed views! Updates in kitchen, baths, flooring & paint. Wine Storage, surround system & more. Pool, sport court & 1600 SqFt casita. Enjoy the Cordillera Ranch lifestyle. MLS#1317257 - $1,695,000

WOODS OF BOERNE 4 bedrooms, 3.5 bathrooms on large greenbelt lot with sports court. Upgraded cabinetry, with wood floors & granite countertops! Check out all this home has to offer. MLS#1318009 - $475,000

WOODS OF FREDERICK CREEK - BOERNE Fabulous 4BR, 3BA, 1-story w/study features open floor plan, 12 ft. ceilings, kitchen w/ granite & upgraded lighting, flush mount living room fireplace, ensuite bath in 2nd BR, two water heaters all on a large corner lot big enough for a pool. MLS#1317473 - $385,000

COMMERCIAL POTENTIAL Unrestricted property with 2 homes. Commercial potential with almost 3 acres. Well & septic in place. 15 mins to Boerne, Kerrville. Homes built in the 30â&#x20AC;&#x2122;s. Imagine the opportunities. MLS#1314527 - $349,000

WALNUT PASS - SAN ANTONIO Lovely 4BR, 3.5BA on cul-de-sac road features master down, large secondary bedroom up, game room, 2 living areas and large backyard with pool. Great location near La Cantera, The Rim, USAA, Valero and more! MLS#1313983 - $345,000

SABLECHASE - BOERNE Beautiful 4BR, 3.5BA with great neighborhood amenities & Hill Country views! Features open floor plan, large bedrooms, 2 living areas, island kitchen & beautiful yard. Award winning Boerne Schools! Easy access to San Antonio! MLS# 1315131 - $339,000

SOLD IN 8 DAYS!

UNDER CONTRACT!

VILLAS AT HAMPTON PLACE - BOERNE MLS#1316806 - $197,000

VILLAS AT HAMPTON PLACE - BOERNE MLS#1316417 - $189,000

NEW BRAUNFELS LOT MLS#1309908 - $63,000

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FOR SALE:

125 Richter Avenue â&#x20AC;&#x201C; Boerne Renovated top to bottom and in the heart of Boerne! 3 bedroom, 2 bath. This is a must see! MLS#1295918 JUST REDUCED! $308,400 PLUS a 10K Buyers Incentive!

BOERNE CABIN FOR LEASE $750/month Includes Utilities!

ALAMO HEIGHTS CONDO FOR LEASE 3 bedroom/2 bath $1550/month Renovated top to bottom! MLS#1317868

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