Boerne Business Monthly - May 2024

Karl J. Eggerss Principal, Financial Advisor

Casey Keller, CFA Senior Vice President, Financial Advisor

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

Britni Mosher Senior Associate

from the publisher

LLordy, lordy... Look who’s 40! We could not be happier to help Mague’s Cafe celebrate their FORTY YEARS in business. I have been eating at Mague’s for most of my life, my kids have grown up eating there and we just love everything about it - from the delicious food, friendly people and down-home atmosphere - Mague’s is definitely one of our “go-to” Boerne restaurants. Read all about them starting on page 20. Stop in, grab a bite to eat and tell them congratulations & be sure to join them at their celebration on June 1st!

Also in this issue, we learn about getting the most out of our prescription medicine from the folks at Annie’s Apothecary, we have marketing advice from Penguin Suits, learn about Trust Basics from Karl Eggerss of CAPTRUST and so much more!

May is a busy month with Mother’s Day, Graduation, Memorial Day and the end of the school year. Be sure to sup port our local businesses when shopping for all of these fun holidays and choosing spots to celebrate.

Have a great month,

Owner/Publisher

OWNER/PUBLISHER

Lauren Stumberg lauren@distinctmediatx.com

ADVERTISING (210) 219-6735 info@distinctmediatx.com

The June 2014 featuring Mague’s Cafe

RELAX, IT’S A GARY POOL

LIFETIME STRUCTURAL WARRANTY

Backed by a Lifetime Structural Warranty and a Platinum 2-Year Warranty

HAYWARD® POOL EQUIPMENT

Our oversized filters are designed to ensure low maintenance We provide pool cleaning services for the first 12 weeks in eligible areas

p Boerne — 10 ag-exempt acres with 5 bedroom, 5.5 bath main house + 3 bedroom, 2 full and 2 half-bath guest house and barn. ideal for multi-generational luxury living or str — $3,100,000

p Boerne — 4,390 sq. ft. masterpiece on 4 acres by Gustavo arredondo. 4 bedrooms, 3 full / 2 half baths — $1,395,000

p taPatio sPrinGs — 3 bedroom, 2.5 bath 2,400 sq. ft. ranch style home on 0.47 acres — $525,000 p Fair oaks ranCH — 4 bedroom, 3 bath santa Barbara-style home on a corner lot. Flexible living spaces — $699,500

Fair oaks ranCH — Fabulous 4 bedroom, 3.5 + bath home on 6.6 park-like acres. indoor/outdoor living at its finest — $1,800,000

p Boerne – 5,600+ sq. ft. 5 bedroom, 5.5 bath home on almost 4 acres. 3 living, 2 dining areas, pavilion and shop/studio – $1,299,500 p Front Gate — 5 bedroom, 4 bath home on a cul-de-sac. amazing outdoor living with large deck — $739,500

p Boerne — 4 bedroom, 3 bath home on 0.69 acre cul-de-sac lot. Fabuous hilltop views from deck — $743,000 p Boerne — 4 bedroom, 3 bath home on 3.84 acres with pool, pavilion and workshop. Fabulous location — $645,000

TRUST BASICS

WWhether you’re seeking to manage your own assets, control how your assets are distributed after your death, or plan for incapacity, trusts can help you accomplish your estate planning goals. Their power is in their versatility—many types of trusts exist, each designed for a specific purpose. Although trust law is complex and establishing a trust requires the services of an experienced attorney, understanding the basics isn’t hard.

What is a Trust?

A trust is a legal entity that holds assets for the benefit of another. Basically, it’s like a container that holds money or property for somebody else.

There are three parties in a trust arrangement:

The grantor (also called a settlor or trustor): This is the person who creates and funds the trust.

The beneficiary: This is the person or people who receive benefits from the trust, such as income or the right to use a home and have what is called an equitable title to trust property.

The trustee: This is the person or peo-

ple who hold legal title to trust property, administer the trust, and have a duty to act in the best interest of the beneficiary. You create a trust by executing a legal document called a trust agreement. The trust agreement names the beneficiary and trustee. It also contains instructions about what benefits the beneficiary will receive, what the trustee’s duties are, and when the trust will end, among other things.

Funding a Trust

You can put almost any kind of asset into a trust, including cash, stocks, bonds, insurance policies, real estate, and artwork. The assets you choose to put in a trust will depend

largely on your goals. For example, if you want the trust to generate income, you could put incomeproducing assets, such as bonds, in your trust. If you want your trust to create a fund that can be used to pay any estate taxes due after your death or to provide for your family when you die, you might fund the trust with a life insurance policy.

Potential Advantages

A trust can:

• Help reduce estate taxes;

• Shield assets from potential creditors;

• Avoid the expense and delay of probate*;

•Preserve assets for your children until they are grown, in case you should die while they are still minors;

• Create a pool of investments that can be managed by professional money managers;

• Set up a fund for your own support in the event of incapacity;

• Shift part of your income tax burden to beneficiaries in lower tax brackets; and

• Provide benefits for charity.

*Note: Probate is the courtsupervised process of settling

courtesy of Karl J. Eggerss | Principal, Financial Advisor | CAPTRUST

a deceased person’s estate. Probate can be a complicated process and often takes six to eighteen months to complete.

Potential Considerations

However, trusts also have potential disadvantages. First, there are costs associated with setting up and maintaining a trust. These may include trustee fees, professional fees, and filing fees. It’s also important to know that, depending on the type of trust you choose, you may give up some control over the assets in the trust. Also, maintaining the trust and complying with recording and notice requirements can take considerable time. Lastly, income generated by trust assets and not distributed to trust beneficiaries may be taxed at a higher income tax rate than your individual rate.

Types of Trusts

There are many types of trusts, the most basic being revocable and irrevocable. The type of trust you should use will depend on what you’re trying to accomplish.

Living (Revocable) Trust

A living trust is a trust that you create while you’re alive. A living trust: Avoids probate. Unlike property that passes

continued on page 10

HealthCare.

Carotid artery disease occurs when there is a narrowing or blockage of the major blood vessels that supply blood to the brain. While treatable, it is often diagnosed after a stroke.

Book an appointment to learn more about your risks.

to heirs by your will, property that passes by a living trust is not subject to probate, avoiding the delay of property transfers to your heirs and keeping matters private.

Maintains control. You can change the beneficiary, the trustee, and any of the trust terms as you wish. You can also move property in or out of the trust, or even end the trust and get your property back at any time.

continued from page 9 BBM

Protects against incapacity. If, because of an illness or injury, you can no longer handle your financial affairs, a successor trustee can step in and manage the trust property for you while you get better. In the absence of a living trust or other arrangement, your family may have to ask the court to appoint a guardian to manage your property.

A living trust can also continue after your death. You can direct the trustee to hold trust property until the beneficiary reaches a certain age or gets married, for instance.

Despite these benefits, living trusts have some drawbacks. Property in a living trust is generally not protected from creditors, and you cannot avoid estate taxes using a living trust.

Irrevocable Trusts

Unlike a revocable trust, you can’t easily change or revoke an irrevocable trust. Also, for this type of trust, you usually cannot change beneficiaries or change the terms. Irrevocable trusts are frequently used to help reduce potential estate taxes. The transfer may be subject to gift tax at the time when property is transferred into the trust, but the property, plus any future appreciation, is usually removed from your gross estate. Additionally, property transferred through an irrevocable trust will avoid probate and may be protected from future creditors.

For help deciding which type of trust might best fit your needs and goals, call CAPTRUST.

Karl J. Eggerss | Principal, Financial Advisor

Throughout his career, Karl has enjoyed offering opinions on the state of the economy and the financial markets whenever possible. He has hosted a syndicated radio show airing in Houston, Dallas, San Antonio, Colorado Springs, and Denver. Karl has been a frequent contributor on various financial news networks, including CNBC, CNBC Asia, Bloomberg, Fox Business, and Reuters. Currently, he hosts a weekly podcast called “Creating Richer Lives,” focusing on living a richer life beyond bank account balances.

Outside of work, Karl enjoys spending time with his wife, Amy, and their two children, Anson and Avery. He also fits in a round of golf whenever possible. (210) 526-0057 | captrust.com/boerne

This material is intended to be informational only and does not constitute legal, accounting, or tax advice. Please consult the appropriate legal, accounting, or tax advisor if you require such advice. The opinions expressed in this report are subject to change without notice. This material has been prepared or is distributed solely for informational purposes and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. The information and statistics in this report are from sources believed to be reliable but are not guaranteed by CAPTRUST Financial Advisors to be accurate or complete. All publication rights reserved. None of the material in this publication may be reproduced in any form without the express written permission of CAPTRUST: 919.870.6822. © 2024 CAPTRUST Financial Advisors

Dr. Scott and Blakely Sumners

Are you receiving the greatest benefit from your

PRESCRIPTION MEDICATION?

Dr. Scott Sumners, PharmD – Annie’s Apothecary

TThe compounding department at Annie’s Apothecary specializes in addressing the needs of individual patients when a one-size-fits-all therapy from a traditional pharmacy may not. We focus on making unique, individualized patient prescriptions. To do so, we start with the highest quality ingredients available in the industry, combine that with the prescription order from your physician or prescriber, and then create a medication, tailor-made for your specific needs. The result is a product that may better facilitate your desired health improvement.

An apothecary prepares medications for therapeutic purposes. It is a place where chemistry and biology, science and art, and wellness and personalization join forces to create unique therapies to support and/or heal the body.

Some might say, “Your name is funny. What is an apothecary anyway, and how is it different from my ‘regular’ pharmacy?” An apothecary prepares medications for therapeutic purposes. It is a place where chemistry and biology, science and art, and wellness and personalization join forces to create unique therapies to support and/or heal the body. Traditional pharmacies provide a great service for our community by providing commercially available, manufacturer-produced medications that have been shown to benefit the masses. However, there are often only a handful of different doses or concentrations to choose from. Many times there may only be one or two different dosage forms, like a tablet or a suspension, available for the medication.

At Annie’s Apothecary, we can create a custom formula just for you. We can compound your personalized medication in the concentration and dosage form that best serves you. We can compound capsules, suspensions, topical creams, suppositories, rapid dissolve tablets, solutabs, sublingual troches, or even nasal or topical sprays. In the event that a medication becomes unavailable or backordered from a traditional manufacturer, we may be able to compound it for you so that you do not have to go without your medication.

Occasionally, children may need a smaller or more specialized dose of a medication. Your child may be allergic or sensitive to a dye or filler in a standard medication. If the commercially available product is just not going to work, call one of our pharmacists at Annie’s Apothecary and ask for a specialized medication without unnecessary ingredients. Our ability to customize medication for the individual does not stop with humans. Annie’s Apothecary can even personalize medications for our furry and feathered friends. Our pharmacists work with your pet’s veterinarian to formulate oral medications in such a way that your pet will be more willing or able to take them by mouth. Sometimes, no matter how much we want our furry friends to take a medication by mouth, they have other opinions on the subject. In that case, we may be able to formulate a topical micro-application that can be rubbed into the skin instead of swallowed. At Annie’s Apothecary, we love animals, and providing their individual, compounded needs is a delight. We also love sharing the joy of these special friends with all of our customers through our Annie’s Pet Patients photo board! If you have a pet that we have been able to help,

we would love to feature them. Please email (contact@anniesrx.com) us their picture today!

Whatever the reason for your personalized medication, Annie’s Apothecary is here to help. If you need help related to allergies, a customized dosage, a unique dosage form, or a supply issue, call Annie’s Apothecary today. We will do our best to help. If you have never experienced the Apothecary, we hope you will stop by in the near future. If you are already benefiting from a custom medication we compounded just for you, thank you for your business and we look forward to continuing to serve you.

Caleb K Clark, CIMA ® Financial Advisor

Stunning traditional 4 bedroom, 3.5 bath home on 3/4 acre lot. Located in gated community of Village Green. Call for Price.

MAY Calendar of Events

ALL MONTH LONG

TUESDAYS

BOERNE FARMERS MARKET

4:00pm to 7:00pm

402 E. Blanco – Boerne

The Boerne Farmers Market provides quality, locally grown and produced agricultural products, prepared food, and artisan specialty goods to be bought and sold for the benefit of both the consumer and producer. They offer a vibrant and collaborative community that promotes sustainable and healthy living and nurtures the creativity and ingenuity of the hardworking local farmers and artisans of the Texas Hill Country. Come out and explore the bounty of local farmers and growers, homesteaders, ranchers, and artisans, and enjoy the dynamic atmosphere of the market.

FREE ROAM’S TRIVIA TUESDAYS

6:00pm to 8:00pm

235 South Main Street – Boerne

Gather your crew, order a beer, and put your heads together for trivia night at Free Roam Brewing Co. each week! The winning team goes home with bragging rights and a $50 gift card!

THURSDAYS

DOBBS KARAOKE NIGHT!

8:00pm to 11:59pm

Salvador Dobbs | 512 River Road – Boerne

SATURDAYS

A DAY AT THE FARM AND FARMERS MARKET

9:00am to 1:00pm 33 Herff Road – Boerne

Hike the trails, shop in the open air, get gardening inspiration, take classes on growing your food or get new recipe ideas!

OLD JAIL MUSEUM TOURS

10:00am to 4:00pm

208 East San Antonio Avenue – Boerne

MAY 11

SECOND SATURDAY AUTHOR SIGNING

11:00am to 1:00pm

Library Lobby | 451 N. Main St. – Boerne

Meet local author Sandy Figari! She'll be selling copies of her children's book, and she'll be happy sign copies.

STAR PARTY AT GRSP

7:45pm to 9:45pm

Guadalupe River State Park

3350 Park Road 31 – Spring Branch

Members of the San Antonio Astronomical Association and park staff will be on site with their telescopes to point out the moon, constellations, planets and more.

MAY 11 & 25

BLUEGRASS JAM

11:00am to 1:00pm

The AgriCultural Museum and Arts Center 102 City Park Road – Boerne

Bring your instrument and play along or just come to listen to the Bluegrass Jams while exploring the exhibits and grounds of The AgriCultural.

KUHLMANN-KING MUSEUM TOURS

12:00pm to 3:00pm

Kuhlmann-King Historical Complex

402 East Blanco Road - Boerne

Step back in time to experience and explore how a Boerne family would have lived in the late 1800s. Tours are free but donations are always welcome. Keep an eye out for different educational programs each month.

MAY 11-12

BOERNE MARKET DAYS

Saturday: 10 am to 5 pm

Sunday: 10 am to 4 pm

Boerne Market Days is located in the heart of the historical district on Main Plaza. This event comes to town on the second weekend of every month.It has become synonymous with great shopping in an outdoor setting with artists, craftsmen and vendors sharing their creative talents and wares to the background music of some of Texas’ best home grown musicians. Spend a day browsing the market and visiting the many downtown boutiques, galleries and restaurants for a unique hill country experience. There are a variety of bargains to be found such as jewelry, plants, art, handcrafts, collectibles, antiques, and more.

MAY 12

MOTHER’S DAY

MOTHER'S DAY WILDFLOWER WALK

10:00am to 11:00am

Guadalupe River State Park

3350 Park Road 31 – Spring Branch

Learn about wildflowers and native plants that are found in the park from Alamo Area Texas Master Naturalist, Bob M.! The walk is less than 1-mile in length over relatively flat terrain (exact route TBD). Mothers will receive a special gift upon the completion of the walk. Free with park admission; Adults: $7, Children 12 & under: Free

MAY 13

KC COMMISSIONERS COURT

9:00am to 11:00am

Kendall County Courthouse

201 E. San Antonio Ave. – Boerne

CALENDAR OF EVENTS | cont’d

MAY 14 & 21

ART AFTER HOURS

7:00pm to 9:00pm

The AgriCultural Museum and Arts Center

102 City Park Road – Boerne

Art AfterHours classes give guests an introduction to fine arts techniques in a playful environment. The casual style of exploration and creativity provides every participant with an evening of fun, friends, and fabrication! Projects and themes change each week, so check the website for details and to register.

MAY 14 & 28

CITY COUNCIL MEETING

6:00pm City Hall | 447 N. Main – Boerne

MAY 16

LIVE! AT THE LIBRARY: THE GARY KYLE BAND

7:00pm to 9:00pm

Library Amphitheater

451 N. Main Street – Boerne

Experience the infectious Southern Rock stylings of the Gary Kyle Band! Be sure and bring a picnic dinner and comfy seating!

MAY 17

FAMILY NIGHT HIKE

8:00pm to 9:30pm

Cibolo Nature Center

140 City Park Road – Boerne

Join The Cibolo on the trails at sunset and discover the various living organisms that call the Cibolo home. Family Night Hikes are great ways for children and families to explore the Cibolo and see what lives in the park in the dark!

MAY 18

BOERNE BOCK WALK

Starts at Noon

Take a stroll through the breweries of Boerne with their annual Boerne Bock Walk. 28 Songs, Tusculum Brewing Co., Free Roam Brewing Co., Dodging Duck Brewhaus, Cibolo Creek Brewing Co., and Hamby's are all participating! Each brewery will have their own Maibock-style beer on tap. Pop in anytime during regular business hours, or join the downtown stroll: Start at noon at Dodging Duck, then proceed to Cibolo Creek Brewing Co., followed by Free Roam Brewing Co., and end at Hamby's First Year Anniversary Party! Additional details for the party are yet to come, but guests can expect live music, an outside beer tent, great food, and additional outdoor seating. Make sure to get a punch card at any of the participating breweries to get a Brew City Boerne t-shirt while supplies last.

Riddle & Riddle & Bukowski Bukowski

Charlie Riddle

Director of Commercial Sales Partner

210 383 0007 charlie@legacybrokergroup com

MAY 18

7:30pm to 8:30pm

Mark Bukowski

Director of Land & Ranch Sales Partner

830 443 1102

mark@legacybrokergroup com

MOONDANCE CONCERT

Cibolo Nature Center | 140 City Park Road – Boerne

Moondance is a longstanding, beloved tradition at the Cibolo. Grab your lawn chairs, coolers, and friends, and come enjoy live music from local bands under the oak trees! This summer, they'll welcome back some of their favorite music groups and food trucks from past Moondances and welcome in new ones as well.

MAY 18, 19, 25 & 26

HONEY CREEK NATURE HIKE

9:00am to 11:30am

Guadalupe River State Park 3350 Park Road 31 – Spring Branch

Experience the natural and cultural history of Honey Creek! Sponsored by The Friends of Guadalupe River State Park/Honey Creek State Natural Area, join certified guides for an interpretive hike to one of the last pristine bodies of water in Texas, Honey Creek, to learn about the area's natural and cultural history. The trail is about 2 miles long and moderate in difficulty.

Cafe

by Lauren Stumberg

photos by The Marvelous Mrs. Lindsey

FFor Mague, or Margarita Salas, owner of Mague’s Cafe, the success of the restaurant is a dream come true – with a lot of hard work, dedication and sacrifice along the way. Mague came from Durango, Mexico when she was just a child and has been cooking for as long as she can remember. According to her children, Mague “loves to cook for everyone and anytime. She enjoys making people feel as though they are eating in her personal kitchen, having a home cooked meal.” It was this passion for cooking that lead her to open the doors to her first restaurant in San Antonio in 1984. “It was a very small establishment with only six tables.

When I went to go get my business cards printed up, the lady designed the cards with the logo of the Mexican dancers. I loved it so much that the logo has remained the same for many years,” said Mague. It wasn’t until five years later when Mague’s daughter, Claudia, went for a drive and fell in love with the town of Boerne. They decided it was the perfect place for their new restaurant… and the rest is history.

Once Mague’s Cafe moved to Boerne, the restaurant had more space and room to grow! “We were very nervous about moving the restaurant to Boerne all those years ago. We honestly had no idea what to expect,”

said Mague. As it turns out they had nothing to be nervous about it all. “Our first day we had people lined up outside before we even opened the door!” And after all these years, the crowd is still there. It is not uncommon on Saturday and Sunday mornings, or with the busy weekday lunch crowd, to see customers sitting and standing on the restaurant’s front porch, waiting for a table and those delightful homemade Mexican dishes, a pile of breakfast tacos and of course, a big ol’ glass of their sweet tea.

Now 40 years later, Mague’s dream has turned into something she shares with her children and grandchildren who help her run continued on page 22

the family business. Daughters, Claudia, Carina, and Brenda, son Pablo, as well as some of their children, work tirelessly to serve up their Mexican food that so many have come to crave. “It is great to get to work together as a family. We all have our niches, the things we are good at, and we complement each other’s abilities to make the restaurant thrive.” And even though the restaurant is a family affair, there’s no question as to who the boss is! They will all unanimously agree that Mague has the final say on everything! “Mom always has the last word!” added Claudia. “She knows that she can count on her family for anything that needs to get done! We are a very close family that is always there for one another.”

Mague’s Cafe definitely has its fair share of “regulars,” many of which eat at the restaurant multiple times a week and some even multiple times a day. “At this point we have many customers who have eaten here their whole lives and are now bringing in their kids and grandkids,” added Brenda. “It is so fun to see the families grow and to get to be a part of their lives and their hometown experience. That our food can be part of their memories of growing up and liv-

ing here in Boerne is a big deal for us.” In fact, Mague’s even has customers who will buy tacos and freeze them to send to their kids who are off at college or have moved away for a little taste of home.

Mague and her family all agree that the restaurant is not just a business, but a huge part of their lives. “For us girls, working at the restaurant has been our first and only job. We’re always on call and it’s a lot of hard work, but it’s worth it. We have three generations working in the family business. It is something that we are really proud to be a part of and to be able to build together.”

“We would like to thank all of our customers for their continued support and love that they have shown us throughout the years. We appreciate each and every one of you.”

It seems that Mague’s great food, great prices and family atmosphere are truly a recipe for success. They are beyond excited to be celebrating 40 years in business and to be Boerne‘s oldest Mexican restaurant. Be sure to stop in and celebrate with them!

934 N. Main Street – Boerne | (830) 249-9168

Cafe

Food: 6:00pm to 7:00pm | Music: 7:00pm to 12:00am – All Welcome –

Kendall County Fairgrounds – June 1, 2024

creatingGenerational Wealth throughReal Estate

Not everyone comes from money, but there are decisions you can make today to set up future generations for long-term success. One of the easiest ways for the average person to do this is through real estate. Buying a home not only creates a stable living environment for your family, but it also builds wealth that can be enjoyed for generations to come.

NWhat is Generational Wealth?

Generational wealth is created by transferring your assets to other family members. These assets—whether they’re real estate, savings accounts, life insurance, retirement accounts, or money made in the stock market—can be passed down from one generation to the next. The most common example is a parent willing their assets to their children. This then gives the children a leg up financially, allowing them to combine this wealth with what they had already established on their own. It can create a snowball effect as the cumulative assets continue to roll to the next family member in line.

How is Generational Wealth Created?

You can save money or be prudent about paying off debt, but these acts alone won’t typically yield significant wealth that can be passed on. A solid saving and investing strategy can add some more money to the pot, of course. But many people find that buying a home is the easiest and best way to create generational wealth. That’s because the equity in your home will continue to rise as you pay down the principal of your loan and as the market value of your home increases at the same time.

On average, you can expect a 4% increase in the value of your home every year*—although that’s not always the case. The New York Times notes that existing home prices increased by 45% between December 2019 and June 2022, due to the COVID-19 pandemic. Of course, home values do fluctuate, meaning that there is always the potential for a house to lose some value. Even with those blips, however, homeowners tend to create wealth over time. And if you’re buying a home with the goal of creating generational wealth, then you’re likely viewing the purchase as a long-term investment.

Now, establishing a financial legacy may mean playing the long game, but it doesn’t mean you have to buy a home and just sit on it until you can pass it onto your children. That is one approach, but it’s not the only one.

Building on A Home Purchase

Many people piggyback off an initial home investment. They may sell the home for a profit and then purchase a larger home. Or they may choose to improve, upgrade, or expand their home to increase its value. This can be done through a home equity loan, a cash-out refinance, or a home equity line of credit (HELOC).

These same tools can also be used to purchase an additional home, whether that’s a second home, a vacation home, or an investment property that provides an additional stream of income.

All of these strategies are possible thanks to that first home purchase. Now imagine what you can do with the equity in your home after it’s been building up for 10, 20, or 30 years. That’s

why homeownership is often at the crux of any conversation about how to create wealth.

There are other benefits to building home equity, too. You can use that home equity loan, cash-out refinance, or HELOC for other purposes. This might be paying off debt, saving for retirement, or taking a bite out of a student loan.

Helping Your Children Achieve the American Dream

If the home you own appreciates by about 4% every year, then so too does the cost to buy a home for your kids. Not only do they have to save money, improve their credit score and financial literacy, and worry about interest rates, but many will also face the prospect of being priced out of the homes they want.

Buying a home for the purpose of passing down wealth gives you a few options:

• Your children can live in the home as they save money for their own real estate purchase—a bonus for you if you’re hoping to have your kids nearby!

• You can give the home to your children when you’re ready to downsize, or you can will it to them in your estate planning.

• You can use your home equity to help them with a down payment on a new home, thereby easing some of the burden associated with buying a home.

Creating Stability for Future Generations

We’ve talked about what a home may mean to the next generation (and the one beyond that), but what does it mean for you? It means security, stability, and predictability. If you lock in a 30-year, fixed-rate mortgage, then your monthly payment will never change. This is a big deal as homes appreciate and the cost of rent continues to climb.

Knowing what your monthly housing expenses will be frees up your cash for a variety of other uses. If you’re still strategizing about how to build wealth, then this extra money can go toward investments like the stock market or a Roth IRA. Or maybe your goal is paying off debt like student loans—whether those loans are yours or your children’s.

The point is, when you don’t have to worry about housing costs increasing, the world is your oyster when you find extra money in your pocket.

There is a fine line between preparing for the future and living in the present. Fortunately, the purchase of a home allows you to do both as you enjoy a wonderful place to live while knowing that that dwelling will one day help your children achieve their own dreams. There’s nothing a loving parent wants more!

*American Pacific Mortgage

Article adapted from American Pacific Mortgage

CUTS • COLOR • STYLING

MAY 24 & 25

BOERNE ART WADDLE

The 12th Annual Boerne Art Waddle will be located along the Hill Country Mile. Waddle through downtown Boerne, shop from artists displaying original works of art, and watch artist demos. This is a relaxed, fun event with the attributes of a major fine art event. See Page 28 for more info.

MAY 25

MUSIC IN THE CAVE: REMEMBER WITH THE WOODLAND WINDS 7:30pm to 9:30pm Cave Without a Name 325 Kreutzberg Rd. – Boerne A Memorial Day Tribute presented by The Woodland Winds. The Woodwind Quintet, based in The Woodlands, TX, is comprised of five talented musicians: Susan Daniell (flute) Leanne Becknell (oboe), Mike Mattner (clarinet), Mark Collado (French horn), and Paige Liccioni (bassoon). Together, they collaborate to create a uniquely vibrant Woodwind Quintet soundscape with an expanded repertoire beyond the standard quartet pieces, including popular and seasonal music. It's an experience you won't soon forget.

Advance tickets (until 5 pm show day): $35; At the Door (if available): $40

MAY 26

BOERNE CONCERT BAND: MEMORIAL DAY CONCERT 7:00pm to 8:30pm

Main Plaza | 100 North Main – Boerne The Boerne Concert Band plays a wide range of music that people of all ages can enjoy. This group of volunteer musicians is quickly becoming one of the best performing groups in central Texas. They always put on a great show when they play concerts in the park! For this concert, they will be playing patriotic favorites. In the event of rain, the event will be moved to the Boerne High School Auditorium

MAY 27

MEMORIAL DAY

MEMORIAL WEEKEND FUN!

The 12th Annual 2024 Boerne Art Waddle is a community event in downtown Boerne along The Hill Country Mile. It is scheduled for Memorial Day weekend on Saturday, May 25th and Sunday, May 26th from 10 am to 5 pm.

There will be an Artist Reception (public is invited to that also) on Friday, May 24th from 4 - 7 pm at The Carriage House Gallery and Gallery 195 in Boerne.

Waddle along this outdoor art fair on Saturday and Sunday, as you shop from over 35 professional artist’s booths and see them in action as they demonstrate their skills. The Art Waddle festivities will also include wine booths, food and live music.

For more information go to: www.BoerneArtWaddle.com

Save the date for Saturday May 25th from 12-10 PM for Music on The Mile 2024! Enjoy music, food, and fun all day along the Hill Country Mile in Boerne, Texas. Artists from several music genres will be scheduled on stages throughout the mile (and a little beyond!)

Current participating venues: Cibolo Creek Brewing

Brantley’s 259 Bistro & Bar

Blacksmith Grill

Tusculum Brewery

Las Guitarras

Salvador Dobb’s

More venues coming soon...

Stay updated on Facebook & Instagram @musiconthemile

Art Waddle

Music on the Mile

GREATER BOERNE CHAMBER OF COMMERCE APRIL 2024 RIBBON CUTTINGS

CITGO Lubricants

CITGO Lubricants has more than 100 years of lubricant technology expertise in a wide range of industries from heavy duty engines, industrial and environmentally sensitive applications. They focus on safety, reliability, and responsibility within their industry. Learn more about CITGO by going to their website or by giving them a call today! www.citgolubes.com

Visiting Angels New Location

Visiting Angels offers comprehensive home care that is customized for seniors based on their individual needs and preferences. Their dedicated and reliable caregivers have helped thousands of older adults live happily and safely in the comforts of home while providing their families with peace of mind. Some of the services offered by Visiting Angels Boerne include: Veteran care services, respite care, dementia care, home care services, Alzheimer’s care, bathing, dressing, hygiene assistance, companionship and more. If you have a loved one who needs personalized in-home care, contact them today for a free consultation. www.visitingangels.com/hillcountry/home

Sleep Wright Mattresses S.A.

Sleep Wright Mattresses offers a wide selection of mattresses, sheets, protectors and more! They are an authorized retailer for Sleeptronic, Beautyrest and Malouf. They’re committed to providing excellent customer support to ensure their customers have a smooth shopping experience.Their team of experts is always ready to assist you! With free local delivery within a 20-mile radius, and available financing, shop local first for all your mattress needs! www.sleepwrightmattresses.com/

Centerline Engineering and Consulting LLC

Centerline strives for excellence in every task and pushes for their work to be identified as the highest quality at every job. Covering Texas, Oklahoma, New Mexico, Colorado, and Arkansas, they provide engineering, surveying, and construction services to a wide region.Their engineering team is led by licensed professional engineers with over 50 years of combined experience in stormwater engineering, land development engineering, water, and wastewater engineering as well as roadway and pavement design. They utilize the latest technology and equipment to deliver the most accurate and complete information to clients. www.thecenterline.com

Andra & Kirby Wisian

With heritage from German immigrants and the original Texian settlers of Austin’s Old 300, Andra Wisian is deeply rooted in agriculture. Andra and husband, Kirby, ranch in Kendall, Karnes, and Goliad Counties. They are committed to raising quality registered Red Angus cattle to advance the attributes and reliability of the breed for seedstock used in the commercial beef industry. As stewards of the land, Andra and Kirby are dedicated to protecting our natural resources. Whether on their small property in Kendall County or their larger ranch in South Texas, Andra and Kirby champion conservation efforts to combat erosion, create wildlife habitats, and foster biodiversity. Give them a call today to learn more! (210) 863-3222,andra.wisian@gmail.com

Reel Home Inspections

Reel Home Inspections strives to provide home buyers and realtors with the highest quality inspection experience by utilizing software and technology to add more value to the entire process. Matthew Zorola, Lead Inspector and Founder, has studied with top home inspection associations in order to ensure you get more than your money’s worth.They offer residential inspections, thermal imaging, drone services, and more! Schedule an inspection today by giving them a call, sending an email, or on their website! www.reelhomeinspectionspllc.com

Rise Property Group

The Home Buying and Selling process can be a daunting one and everyone has their own unique situations. The Rise Property Group - Keller Williams cares about more than just the transaction. They want to help you find what you’re looking for now, invest in their relationship with you and be in that relationship for a lifetime. Rise Property Group is the one-stop-shop, offering in-house lending and trusted partners for title and insurance so everything can be done at the Rise Property Group office in one place and at the same time! www.therisepropertygroup.com

of

is not just another custom window treatment business. Whether you’ve never even thought about your window coverings before, or you know exactly what you want and are ready to get started, you can count on them to go above and beyond! Their expert design consultants are committed to helping you find exactly what you love, delivering the highest quality products and workmanship, and keeping it all within your budget! They proudly offer custom window treatments including blinds, draperies, shutters, and more! @gotchacoveredofnwsaboerne www.gotchacovered.com/nw-san-antonio-boerne

Little Gym of Boerne’s Grand Opening At The Little Gym of Boerne, they believe in developing the whole child from a young age - building a strong body, brain, and character. Their instructors will guide your child’s physical, emotional, and social development helping them grow into strong, confident, independent people.They offer Parent/Child classes, pre-k gymnastics, grade school gymnastics, camps, parties and event space, and more! Sign your kids up or book your future party now by going to their website or by giving them a call! www.thelittlegym.com/texas-boerne/

The

Gotcha Covered

NW San Antonio and Boerne Gotcha Covered

Boerne Farmers’ Market

Boerne Farmers Market will provide quality, locally grown and produced agricultural products, prepared food, and artisan specialty goods to be bought and sold for the benefit of both the consumer and producer. They invite you to come out and explore the bounty of our local farmers and growers, homesteaders, ranchers, and artisans and enjoy the dynamic atmosphere of the market! The Boerne Farmers Market will be open every Tuesday, 4-7pm, stop by and visit them! www.boernefm.com

Vitality Testosterone and Weight Loss’ 1 Year Anniversary Vitality Testosterone and Weight Loss is a medical team of providers who specialize in testosterone replacements therapy and medical weight loss management. If you think you may be suffering from low testosterone or have been struggling to lose weight on your own, set up a free consultation! www.vitalitytestosterone.com

UPCOMING RIBBON CUTTINGS & BUSINESS BUILDING EVENTS

MAY 7

• Ribbon Cutting for Vista Swim Academy

• Ribbon Cutting for Brave Investigations

MAY 9

• Ribbon Cutting for Rivers Edge Counseling + Wellness - Boerne

• Ribbon Cutting for Napa Oaks Dental

• Boerne After Hours Mixer - Joshua Creek Ranch

MAY 14

• Ribbon Cutting for Heather Stolle’s School of Dance

MAY 15

• Ribbon Cutting for Saunders Luxury Group

MAY 16

• Ribbon Cutting for Onsite Pro Can

• Ribbon Cutting for Gilded Palm Cosmetic Medicine & Spa

MAY 21

• Ribbon Cutting for The Ironwood Barn at Von Erich Ranch

• Ribbon Cutting for ASEA REDOX

MAY 22

• Ribbon Cutting for Sunbelt Rentals

MAY 23

• Before 9 Morning Mingle - Cavender Chevrolet

• Ribbon Cutting for Complete Balance PT

NICHE Properties by Debra Janes Luxury Real Estate Consistently recognized as one of the Top Real Estate Agents in the San Antonio luxury market, Debra Janes and her team excel in marketing and selling the most elite and unique residential and ranch properties in the San Antonio and the Texas Hill Country. Professionalism, concierge service and a vast working knowledge of the requirements of their luxury clientele are the cornerstones of the business.

www.DebraJanesLuxury.com

Core Athletic Club’s 5th Anniversary Core Athletic Club is a family-owned, full-service health club that offers a variety of services, amenities, and equipment, and provides a family-friendly environment for all levels of health and fitness enthusiasts in the community. With locker rooms, child-care, a beer, wine and smoothie bar, and different membership levels to choose from, you have options that work best for your fitness journey and lifestyle. www.coreathleticclubboerne.com

Wild Birds Unlimited's Grand Opening Wild Birds Unlimited of Boerne has Certified Birdfeeding Specialists that are trained to show you how to turn your yard into a bird feeding habitat that not only brings songs, color and life to your home, but also benefits the wild birds and the environment in your area. They aren't just about selling bird feeders and bird seed though. They pride themselves on being able to give you the most accurate information and knowledge about your local birds! www.boerne.wbu.com

State Bank's 10 Years of

is thankful to their

customers for trusting them for a decade, and for many more to come! Come meet the financial professionals who can help you with checking and savings accounts, wealth management, trust advisory, mortgages, business loans and lines of credit: Happy State Bank has you covered. Give them a call, go to their website or stop by in person to learn more about all of the services Happy State Bank offers. www.happybank.com

Inspiring people

• Ribbon Cutting for Innovista Eye

• Ribbon Cutting for RE/MAX Elite

MAY 23

• Ribbon Cutting for Health 210

MAY 30

• Ribbon Cutting for Two Men and a Junk Truck

Happy

Service in Boerne Happy State Bank

Boerne

First Families of Kendall County

William Greenbury Sansom 1811 – 1903 Mary Ann Short 1815 – 1888

Sponsored by the Genealogical Society of Kendall County (GSKC), The First Families of Kendall County project began in 1999. The purpose of this project is to recognize the living descendants of persons instrumental in founding and settling of the area encompassed by present day Kendall County, Texas and to preserve the history of their families and the county.

To date, 586 applications have been approved for 318 different individuals. One hundred seventy (170) Founders and one hundred four (104) Early Settlers have been documented and recognized. They represent one hundred thirty-five (135) different families in Kendall County. There are two hundred sixty-two (262) volumes of First Families notebooks on the shelves at the Family History Place.

Here we will share with you some of the stories of those First Families who settled this beautiful area of the Texas hill country. We hope you enjoy!

Tby James Hurst

The Texas State Penitentiary in Huntsville is the oldest state prison in Texas. Robert Perkinson, author of Texas Tough: The Rise of America’s Prison Empire, wrote that the unit was Texas’ “…first public work of any importance.” The prison’s first inmates arrived on October 2, 1849, and Kendall County Founder, William Greenbury Sansom, was prisoner number 1, the first person incarcerated. Convicted of cattle rustling, he was sentenced to three years of hard labor and transported from La Grange to Huntsville.

William G. Sansom was the son of William Greenbury Calhoun Sansom and Delphia Clay. Born in Morgan County, Georgia, on June 3, 1811, the family moved to Dallas County, Alabama, in 1820. Here, on May 1, 1833, he married Mary Short, daughter of John Major Short and Dicey Stinson. John Short and his younger brother, Michael, came to Texas in 1835 and volunteered with Sam Houston. John later requested and received a passport from the Republic of Texas, which permitted him to travel to Alabama to bring his family back to Texas. The Short Ranch was established on John Short’s 640-acre headright in Fayette County, not far from La Grange. The Sansoms loaded their wagon and came to Texas during the winter of 1838-39, initially settling in Washington

To learn more about The First Families of Kendall County project visit www.gskctx.org or stop by the Family History Place at 114 E. Blanco in Boerne.

County. Five years later, the family moved to Fayette County, and it was here that William mustered into the US Army and served during the Mexican War.

Service records show that William served in two companies during his enlistment: Callahan’s Company, Texas Mounted Cavalry Volunteers, and Green’s Company, First Texas Mounted Rifles. On September 6, 1846, he was discharged in Camargo, Mexico, over 1,100 miles from his home in Fayette County.

Shortly after returning home, on February 17, 1847, William’s fatherin-law, John Short, passed away intestate. His son, William Short, asked the probate court to appoint him administrator of the estate along with his brother-inlaw, William Sansom. At the March term of the Probate Court, Dr. M. Barrier and Thomas Cox asked the court to appoint them as administrators of the estate. The men stated that “on the 16th of February 1847, the said John Short had made a will and appointed them executors.” John Blackburn made an affidavit that he witnessed said will be signed by the decedent. The will left the headright land to Mary Sansom and provided for her sister Elizabeth and her youngest brother Alphonso. It did not mention William Short. The Judge of the Probate Court appointed George W. Breeding as the administrator of the estate. The District Court annulled the will, and all the children except William participated in the inheritance. Court battles contesting the will

lasted through the Civil War and Reconstruction.

William Short was involved in a large criminal gang whose territory ran from the Rio Grande to Missouri. Their illegal activities involved stealing livestock, horses, counterfeiting money, and land certificates, stealing, and reselling slaves, stealing guns, and murder. He and his brother Thomas attempted to involve their brother-in-law William Sansom in their activities. Sansom was arrested by the Fayette County Association, a group of ranchers organized to protect their property, who turned him over to the sheriff. He was confined to the local jail, and just before going to trial, he wrote a confession. In his confession, William Sansom related that as early as the Summer of 1847, he was aware of William Short and others stealing cattle and selling them to a man named Hewitt. He described a vast network of criminal activity that he and others were aware of, but the only crime he acknowledged was taking and killing two hogs with the help of William Short and his brother Thomas. He said he was told he would be killed if he divulged anything about the gang.

He was convicted of cattle rustling and sentenced to three years of hard labor, but his sentence was commuted. He received a pardon from Governor P. H. Bell and was released on September 14, 1850. William Short was hanged for his crimes and his brother, Thomas, was prisoner number 3 on the Huntsville Penitentiary roster. Family stories say that Thomas was acquitted because of his youth, but penitentiary records show he was imprisoned on November 24, 1849, and released on November 1, 1850. He and William Sansom both appear as inmates on the 1850 Census for Walker County. Meanwhile, Mary Sansom is living on their farm in Fayette County with her children, John, age 17, Mary, age 14, Dicy Ann, age 12, James, age 11, and Robert, age 1. Two children had died by 1850, Henry Leonard and Delphia Ann. Francis Marion is not on the census but would have been 6 in 1850. The Fayette County Census was enumerated on September 6, 1850, a week prior to William Sansom’s release from prison.

In her book, Kendalia, a History of the Settlement, Donna Jonas tells us that Captain John William Sansom moved to Texas with his parents in 1838 and to Curry’s Creek in 1850. From this, we conclude that as soon as he got home from Huntsville, William Sansom loaded up his

MayWORD SEARCH

MOTHERS DAY

FLOWERS

SCHOOL

SUMMER

TEACHER

VACATION

KIDS

GRADUATION

SUNSHINE

MEMORIAL DAY

SOLDIER

HEROS

FREEDOM

PARADE

CINCO DE MAYO CELEBRATION

OUTDOORS

PARTIES

SWIMMING

PICNIC TRAVEL

family and moved to Comal County. The Sansoms remained in Curry’s Creek for the next 33 years. While his son gained fame as a Texas Ranger, William also served as a Texas Ranger during the Indian Wars. He was in Callaghan’s Co., Texas Mounted Cavalry Volunteers. Family stories tell us that he also served during the Civil War, but there are no records supporting this story. It is possible that, like many Union Sympathizers, he served in a local home guard, but on the 1867 voter registration list, he declared that he had never served the Rebs voluntarily and that he was a Union Man. William and Mary had three more children after they moved to Curry’s Creek: Thomas Jefferson (b 1852), George Larkin (b 1855), and Ann Agnes Keziah (b 1858).

William G. Sansom later lived in Uvalde, Texas. When Mary died June 12, 1888, she was buried in the Uvalde Cemetery, so it is reasonable to assume Uvalde is where they moved when they left Curry’s Creek in 1883. In 1900, William Sansom was living in Uvalde next door to his son, Captain John. On August 15, 1903, William died in Hondo, Medina County, some 40 miles from Uvalde. He was buried beside his wife in the Uvalde Cemetery.

Dr. Liz Brackett Dr. Heather Caddell

Dr. Ashley Gleaves

Dr. Scott Farhart

Cristina Bueche, MSN, FNP-C

Dr. Christine VanRamshorst Dr. Alejandra Cabrera

Champion, Boerne Again Named Two of Top Area High Schools

TThe Boerne Independent School District is proud to announce that both Champion and Boerne High School were once again named two of the best public high schools in the San Antonio Area by U.S News and World Report.

Champion was ranked the fourth-best comprehensive, or non-magnet high school on the list, while Boerne placed 12th. Both Boerne and Champion boast a near-perfect 99% graduation rate.

The publication ranked nearly 19,000 schools, focusing on college readiness, reading and math proficiency, reading and math performance, underserved student performance, college curriculum breadth, and graduation rates.

Schools ranked in the top 40% nationally achieved status as U.S. News Best High Schools.

Students Earn Money to Fund Their Businesses

TThe Boerne Independent School District held its fourth-annual Incubator Pitch Night at Boerne-Champion High School. Students from both Boerne and Champion High School pitched their businesses to judges from the business community. A total of $20,000 in seed money was won by the students.

Thin Ice took first place and was awarded $9,000. Made up of Daniela Trevino, Kate Deykin, Tre Hudspeth, and Gus Addington, Thin Ice is a peel and stick portable ice pack.

Fold-A-Flop, the team of students Hadley Shields, Preston LePage, Kaylie Thomas, and Kenny Pulkinen, placed second and earned $5,000. Their product is foldable, portable flip flops.

The third-place winners, MELD, won $3,00, with the team of George Galiopoulos, Emily Carr, Ryan

Cutsinger, and Korbin Soens. They created magnetic phone cases with attachments to carry accessories such as airpods, and keys.

Conservisink earned $2,000 for their home water conservation and collection products. The team was made up of Kenzie Mazzu, Fielder Scott, Reese Shaffer, and Brinley Collins.

The team of Club Scrub won $1,000 for creating a golf club cleaning brush. This was created by Ethan Munn, Evan Munn, Wesley Dulin, and Quinn Young.

The Fan Favorite award went to Hygenie, with Barrett Bouslog, Jack Taylor, Nicole Hernanez, and Sophie Nelson. They were awarded $1,000.

The Incubator class had generous donations and sponsors, as well as mentors from the local business community.

TBoerne High school marching band wins big

Boerne High School would like to thank Metallica for the equipment awarded to the Boerne High School Marching Band from the For Whom the Band Tolls Competition!

The Greyhounds tied for first place in the contest and won over $15,000 dollars in instruments and equipment!

BThe Boerne ISD Board of Trustees approved new elementary school attendance boundaries at their regular monthly meeting on Monday, April 15, 2024. The new boundaries create an attendance zone for Viola Wilson Elementary and provide enrollment relief for Fabra Elementary, Kendall Elementary, and Van Raub Elementary.

The board approved Option A with adjustments. Rising 5th graders and their siblings will have the option to “grandfather” for one year, allowing them the option to stay enrolled at their current campuses. Families who opt to “grandfather” students are responsible for providing their own transportation.

The new elementary school attendance zones will go into effect at the start of the 2024-25 school year. To view the approved 2024-25 elementary attendance zones, visit boerneisd.net.

Is Your Company Agile Enough to PIVOT?

In today’s rapidly changing business landscape, marketing needs to be adaptable and agile. It’s not just about sticking to a fixed plan; now a days companies need to make significant shifts in their marketing strategies to stay relevant. This is not merely tweaking ad copy or launching a new social media campaign—it’s about fundamentally rethinking how a company reaches and communicates with its target audience. Here are some examples of market pivoting strategies.

I• EMBRACED DIGITAL MARKETING:

Embrace it, invite it for dinner and a long chat over a bottle of wine.

• REASSESS YOUR TARGET AUDIENCE:

Divide it into smaller segments and see what answers come from that.

• PROVIDE VALUE CONTENT:

Write blogs, or even articles for magazines like this, which will be a blog on my website shortly.

• CREATE AGILE CAMPAIGNS:

Narrow the focus and shorten the length of campaigns.

• ALIGN YOUR BRAND WITH A CAUSE:

Show how your company contributes positively to society.

• COLLABORATE WITH PARTNERS:

Work with influencers or other brands.

• DATA-DRIVEN MARKETING:

Use analytics and adjust your strategies accordingly.

It can be inspiring to look at brand pivots of companies like Instagram, PayPal and McDonalds. Instagram was originally a location based social network, recognizing the popularity of photo sharing, they shifted their focus and voila they are a sensation.

Let us look at PayPal. It started as an encryption software. Upon research in the market, they saw the need for a money transfer service and now they are a company worth sixty-seven billion dollars. Companies like McDonalds are always researching, listening to their target market, and pivoting. Their constant analysis creates positive data-driven decisions.

This is only a small example of the vast companies that have adapted their marketing based on target market data and the importance of listening to customers. Successful pivots can turn setbacks into incredible success stories.

Does your business need a pivot? The steps you take are important and can shape the future of your company. If you need some direction. Let us know, we are here to help. BBM

DEBI BURROWS CEO/HEAD STRATEGIST

Debi’s passion is developing specialized messages and marketing tools that give excellent ROI and lead generation for her clients’ businesses. PenguinSuits.com