Boerne Business Monthly – October 2023 by Distinct Media LLC

Volume 16, Issue 04: October 2023

BOERNE BUSINESS MONTHLY

SOLAR ECLIPSE INFO WHAT’S GOING ON WITH THE REAL ESTATE MARKET? LOCAL NEWS & EVENTS

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Karl J. Eggerss Principal, Financial Advisor

Casey Keller, CFA Senior Vice President, Financial Advisor

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

Britni Mosher Associate, Relationship Manager

boernebusinessmonthly.com

from the publisher It’s October and there is no shortage of fun things to do in Boerne this month. Wow are there a ton of local events, concerts, fall festivals, and let’s not forget all of the solar eclipse events that are happening! This issue we feature Klein Smokehaus. This local business has been on Main Street since 1950. Be sure to read the article and learn more about the history of the business and all that the new owners, Colton Sells and Clayton Klein, have been up to. If you have not tried their awardwinning barbecue and meat selection,

I highly advise you to get over there and give it a try as fast as you can. You have been missing out! I love all of their products and the chopped beef sandwich has been a favorite of mine since I was a kid! Also in this issue, we have several informative articles on everything from real estate to finances, local news and info, and the oh-so-popular word search is back! I am so glad that the weather seems to be cooperating and cooling off a bit so we can all get out and enjoy this beautiful, fun fall season here in our charming town. Have a wonderful October!

Lauren Stumberg Owner/Publisher

Judy Filingeri Owner Angela Turner Associate Broker® Carey Stewart

PUBLISHER Lauren Stumberg lauren@distinctmediatx.com ADVERTISING (210) 219-6735 info@distinctmediatx.com

REALTOR®

(830) 816-2288

Lynelle Boyd REALTOR®

Boerne Business Monthly is published by Distinct Media, LLC, copyright 2023. Reproduction is strictly prohibited without prior consent of the publisher. Opinions expressed in Boerne Business Monthly are those of the writers or sources and do not necessarily represent the views of the publisher, nor do they constitute the endorsement of products or services herein. Although the information and recommendations in this publication have been compiled from sources believed to be reliable, Boerne Business Monthly makes no guarantee as to, and assumes no responsibility for, the correctness, sufficiency or completeness of such information and recommendations.

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BOERNE BUSINESS MONTHLY | October 2023

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October

CONTENTS

08: homes & Land

What’s Going On with the Real Estate Market? by Carol Schultz & Ariel Brooks-Stevens

20: calendar

16: cover feature

courtesy of Karl Eggerss, Principal, Financial Advisor – CAPTRUST

24: finances What Should You Know About RMDs? courtesy of Caleb K. Clark, CIMA – Edward Jones ®

First Families of Kendall County Local Solar Eclipse Information

Planning to Pledge

22: fundraiser

10: local history 12: event

32: giving

28: ribbon cuttings 31: Newsworthy

Klein Smokehaus: A Taste of Hill Country Tradition

The GVTC Foundation Raises Over $14,000 from Inaugural Game Day 5K Event

Jim Campbell

34: word search 36: for a good cause 38: local author Antonia Duridanova

Renee Campbell

Wiley Cloud, Broker OPPORTUNITY: LICENSED AGENT TO FILL SEASONED AGENT OPENING

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Robin McCall Dallenbach

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home & land

What is

going on

with the housing market?

There seems to be contradictions everywhere you turn when it comes to the housing market these days. All of the experts predicted a lowering of interest rates by this time and an increase in housing. Neither of which have happened. There are many factors influencing today’s contradictory housing market making it hard for sellers who need a different home and buyers who keep waiting for better rates.

HOME PRICES CONTINUE TO HINDER BUYERS When interest rates rise, home prices fall, right? Not this time. Prices have flattened out across most of the country. Areas where prices rose at phenomenal rates, such as Austin, are now seeing home prices decrease. That’s a tough pill to swallow for buyers who grabbed up homes, but good news for those who were sidelined by soaring prices. We are seeing areas maintain their values, but not garnering the tens of thousands of dollars over asking price bidding wars. That’s good for everyone. Many buyers are still able to buy despite higher mortgage rates and they are looking in parts of the country where home values are more affordable. This is keeping prices steady.

MORTGAGE RATES Higher mortgage rates have caused many sellers to rethink selling their home right now. They are in homes that no longer work for them, but they have fallen in love with their interest rate. It’s hard to consider moving when the new rate could be more than double what they already have and that’s on top of home prices, which could be much more than their current mortgage. Less sellers mean less available homes for buyers who aren’t cut out of the market by rates. It’s a bit of a vicious cycle. Many of our clients have outgrown their homes or have a need to downsize. Facing over 7% interest on a new mortgage causes them some pause. Many buyers found themselves unable to purchase at all once rates started to rise in mid 2022. Everything sort of stagnated as everyone had to adjust to a new normal. The Fed has hinted that further rate hikes could be in order to combat inflation. Due to traditionally strong econo-

BOERNE BUSINESS MONTHLY | October 2023

mies during inflationary periods, many people find themselves able to purchase real estate despite the rates. Where cash was needed to win bidding wars two years ago, today it’s often used to buy down rates. Good news is that our market is not going to crash due to poor lending practices like it did in 2009. People have cash in their homes. AVAILABILITY Many experts predicted that available homes would increase over the course of 2024. Resale homes have not come up, but new construction has started taking the lead. What construction companies have over current home owners is the ability to buy down rates and offer a lot of cash at closing for upgrades or mortgage support. The average home owner doesn’t have that option. People are choosing to rent in order to wait out the construction period and get a house with a rate of, sometimes 5% depending on the builder. It used to be that building a new home was more expensive than a pre owned home. That is not the case with many spec home builders and buyers are gobbling up inventory as fast as it can be built.

WHAT TO DO There is no crystal ball to tell us how all of this unfolds over the next year, but there are some indicators that tell us that there is no need to be disheartened by the state of the housing market. There are good things to see! For sellers, take comfort in know that your home isn’t depreciating as some market cycles have seen. There is much more balance in the market and buyers still value well built, well maintained, updated homes. There are still buyers out there looking despite the interest rates and now might be a great time to sell due to low inventory rates. For buyers, you don’t have to make purchasing decisions before even seeing a house. The process of looking at a home and taking some time to determine if it will work for you makes buying much less stressful today. Buyers are able to ask for inspections and sellers are much more agreeable to making necessary repairs if needed. If there is available cash, buyers are able to buy down the interest rate versus having to offer so much over asking on a home. What we know for sure is that there will always be constant change. Having sound CAROL SCHULTZ & advice from those in the industry can help ARIEL BROOKS-STEVENS you make decisions on whether or not to HCHOMEANDLAND.COM sell or sit tight. You should consult a real (830) 331-1104 estate professional to review your specific housing needs. BBM

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local history

The First Families of Kendall County

ponsored 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!

Johann Gottfried Haufler 1830 – 1887

“Do not be afraid if you don’t hear from me, as the opportunity to write does not come often. Once again, greetings to you, my beloved Louise. Greetings to all friends. I believe we will meet again, all hale and hearty. Your loving husband John Haufler.” This excerpt is from one surviving letter John wrote to Louise in August 1864 from a camp near Brazos Santiago in South Texas. John joined the First Texas Cavalry (Union) and was stationed in Brownsville, Texas, where he served as a private in Company C. Captain John Sansom and later Adolph Zoeller, a neighbor, served as captains of his unit. He was described with blue eyes, light hair, a fair complexion, and stood 5’ 6” tall. He mustered out in San Antonio on October 31, 1865, and returned home to resume farming. Johann Gottfried Haufler, usually called Gottfried, was born on September 5, 1830, in Beinstein, Rems-Murr-Kreis, BadenWürttemberg, Germany. His parents, Gottfried and Jacobina Killinger Haufler, were “weingärtners.” Gottfried arrived in Texas on October 1, 1852, with his two brothers, Christian Friedrich, and Johann Michael. Gottfried married Louise Dorothee Wilhelmine Charlotte Magers on November 8, 1857, at the Evangelical Lutheran Church in Smithson Valley. She immigrated from Hanover with her parents, Heinrich and Wilhelmina Luersen Magers. A year later, on November 4, Gottfried became a citizen of the United States and the following month, welcomed the first of thirteen children when Emma was born on December 23. By 1860, Gottfried had acquired a farm near New Braunfels, valued at $450. Their second daughter, Anna, was born there in January and Louise’s sister Caroline was living with them. When Gottfried enlisted in the cavalry on February 1, 1864, the

Louise Magers 1835 – 1899 by James Hurst

October is Family History Month! 10

BOERNE BUSINESS MONTHLY | October 2023

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. Follow on Facebook at Facebook.com/GenealogicalSocietyOfKendallCounty

couple had four children, with one on the way. Gustav had been born in September 1861, and Bertha in February 1863. He told Louise she could sell what she needed to survive but to try not to sell the wagon as he would need it when he returned. One can only imagine how difficult it must have been for her, raising four children, ages six to one, and giving birth to a fifth child, Louisa, seven months after Gottfried left for

the war. In 1869, Gottfried applied for a patent on 160 acres of land on the Guadalupe River near Amman’s Crossing. His brother-in-law, Wilhelm Magers, was one of the witnesses signing the application on September 12, 1869. He and Louise were living there when the 1870 census was taken. Three more boys joined the family: Albert, born September 1866, Ernst, born May 1868, and Charles, born in May, three months before the census. The patent was granted in 1873, and the couple had four more girls while living there: Ida, born in September 1871; Clara, born in January 1873; Alwine, born in February 1875; and Lena, born in May 1876. In 1877 Gottfried acquired 890 acres outside Waring in Kendall County, and he built a two-story rock house continued on page 13

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event

THE ECLIPSES ARE COMING!

There are two upcoming solar eclipses and Boerne is directly in their path. These natural phenomena will bring with them tens of thousands of visitors to our town and the rest of the Texas hill country. The annular eclipse will happen on October 14th, 2023 and will bring large crowds, however the total eclipse in April of 2024 is expected to bring a crowd of upwards of 50,000 visitors to our area. It is important to plan ahead for both events and be prepared for extra travel times, stock up on food supplies and essentials and of course have the proper eyewear so you can view the eclipses for yourself.

ANNULAR ECLIPSE - OCTOBER 14, 2023 The partial eclipse will begin at about 10:20 a.m., with four minutes of annularity beginning at 11:51 a.m. when the moon lines up directly in front of the sun. During annularity, the sun will appear as a "ring of fire" around the moon.

Check the Calendar of Events for All of the Fun Solar Eclipse Events!

ECLIPSE SAFETY It is never safe to look directly at the sun – even if the sun is partly obscured. When watching a partial solar eclipse, you must wear eclipse glasses at all times if you want to face the sun. This also applies during a total solar eclipse leading up to and after totality, when the moon is completely blocking the sun. During the short period of totality, it is safe to look directly at the sun, but it's crucial that you know when to take off and put back on your eclipse glasses. For more information, visit NASA's eclipse safety page. BBM

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TOTAL SOLAR ECLIPSE - APRIL 8, 2024 The moon will again pass between the earth and the sun, but this time much closer to earth. Boerne is in the path of totality for the total solar eclipse, meaning the moon will completely block out the sun for 4 minutes and 23 seconds beginning at 1:32 p.m.

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BOERNE BUSINESS MONTHLY | October 2023

for a list of local businesses that have eclipse glasses available and to download the City of Boerne’s Eclipse Information Guide!

PHYSICAL THERAPY•MANUAL THERAPY•POST SURGICAL REHAB INDUSTRIAL REHAB•BALANCE REHAB•SPORTS REHAB

continued from page 11

there. His last child, Alma, was born there in May 1878. He raised and sold crops and made regular butcher reports at Commissioners Court about the meat he sold. When the 1880 census was taken, eleven of the thirteen children still live at home. Emma married Sophus Lohmann and was living in Precinct 1 of the county, and Anna was working for the LaMotte family in Boerne as their cook. Gottfried drowned crossing the Guadalupe River at Cravey Crossing while on his way to San Antonio in May 1887. At the time of his death, his children ranged in age from thirty to ten. Gottfried was buried in a field not far from

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www.ApexNet workPT.com the family home. In 1890 his widow, Louise, filed a petition to receive a monthly pension for his service in the Union Cavalry. The pension was denied because of her farm and surviving family members. Louise died in Waring on December 29, 1899, and is buried next to her husband.

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BOERNE BUSINESS MONTHLY | October 2023

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cover feature

photos by The Marvelous Mrs. Lindsey

For over six decades, Klein Smokehaus has been serving the Texas Hill Country with fresh meats, oak smoked sausages, real Texas BBQ, and quality deer processing. While the name and ownership may have changed over the years, the craftsmanship has remained the same. The Klein Smokehaus story begins all the way back on July 4th, 1950 when the Waldeck family purchased the building at 342 North Main Street in Boerne and opened a family grocery. Gavin Waldeck and his sister Donna went to school right across the street and would hurry back each day after school and get to work. The butcher’s counter of the family grocery store

BOERNE BUSINESS MONTHLY | October 2023

offered fresh ground beef and pork grown and harvested from the neighboring farms. Since the store was already butchering domestic meats, it only made sense for hunters in the area to bring their deer to the store for processing. This quickly became one of the core elements of the business, one that continues strong to this day. By 1976 the family-owned grocery store found it tough to compete with the big chains. The Waldecks decided to adapt to the changing environment and focus on the one area they knew they could do better than the bigger stores – top-notch meats and sausages – and Farmers Meat Market was born. During deer season, hunters would bring their harvests in, crack a cold brewski, and tell tall tales while hanging sausage rings or tending the firebox in the smokehouse. Today there are too many hunters coming in to have them all hanging out in the kitchen, but Klein’s expert crew treats every hunter’s harvest with the same care and craftsmanship you’d have found in the old days.

That sense of community remains today, and is probably how the market has managed to survive and thrive for so many years. While Donna left the family business to be a teacher, Gavin has been the man behind the counter, feeding a loyal and growing base of barbecue fans for all these years. In 2006, Barrett Klein, a hill country native who grew up on a family farm in Stonewall, Texas, purchased Farmer’s Meat Market and used his expertise and experience to fine-tune the business. According to Gavin, “The biggest change has been in the numbers. We can handle a much larger volume now. Before the Kleins purchased Farmers we processed about 2,000 deer a year, since then we now process anywhere from 4,500 to 5,500 deer per year.” In May of 2021, Barret's son Clayton, and former employee of eight years, Colton Sells, purchased the business and have continued to grow and develop it. Not only have the partners brought on more product offerings, but they expanded the retail space and added sit-down dining to their award-winning barbecue. “Sit-down dining for our barbeque was the most requested option from our customers for a long time. We had the vision, and the space became available, we just had to roll up our sleeves and pull the trigger,” says Sells. “It’s been a great experience for us and our customers.”

The new dining room provides a place for Kendall County residents and visitors to sit, cool their heels, and enjoy great Hill Country oak smoked barbeque. Meal options include barbecue plates or sandwiches and now Klein Smokehaus even offers beer and wine! The expanded retail store provides more space to display their variety of smoked meats, sausages, cheeses, and apparel. Also on display are local custom items like pickles, jams, spices, handmade cast iron skillets, leather/ iron work, and cutting boards. “We now carry our own line of Klein Smokehaus branded merchandise and are an official GameGuard dealer as well,” added Clayton. Klein’s oak smoked bacon is also a growing sector of continued on page 18

boernebusinessmonthly.com

continued from page 17

the business. If you haven’t tried their bacon, it’s a Boerne bucket list must. They produce bacon for several restaurants, hotels, and meat markets alike. “Bacon is our year-round passion in the processing area of the business. We like creating partnerships with local restaurants. And it’s a true partnership, we advertise for each other,” explains Sells. You can even buy Klein Smokehaus bacon at the Boerne HEB! Klein and Sells have also added new and exciting items such as the Grenades, which are chopped beef stuffed jalepeno peppers, a bacon-wrapped stuffed pork tenderloin, brisket patties and several different sausages which include options like beef enchilada, bacon green onion, fiesta cheddar and maple blueberry. “Our products have won numerous awards at the Texas Association of Meat Processors conference and we even were the overall Sweepstakes Winner in 2022 and 2023,” added Klein. As the holiday season approaches, don’t forget that Klein Smokehaus offers smoked turkeys and hams, prime rib and smoked beef tenderloin, as well as a selection of sides that will

get to cut meat and socialize with community leaders, all while helping 4-H and FFA kids,” said Klein. “We look forward to this partnership continuing for many years.” Gavin Waldeck, who is still a very integral team member at Klein Smokehaus added, “The local population has grown so much over the years, but it is a good feeling knowing that we’ve been here on Main Street, Boerne for all these years and are still providing folks with a taste of hill country tradition.” While Kleins prides themselves on using cutting edge technology and equipment and top-shelf craftsmanship and recipes, they hold true to those old-fashioned values that continue to set them apart.BBM make your holiday dinners not only easy, but delicious. Just make sure to place your order early so you don’t miss out! Holding true to their deep community roots, the business partners each year with the Kendall County Wild Game Dinner to assist with meat processing for the wildly popular event and fundraiser. Last year, they produced 100 pounds of marinated venison fajita meat, 150 pounds of venison cutlets, 100 pounds of axis stew meat, 150 lbs of venison chili, 70 lbs of hog chili, and a variety of other specialty ground products, sliders, and sausages. “We’re proud to partner with the folks of the wild game dinner. We

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TUESDAYS

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THURSDAYS

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October ALL MONTH LONG LIVE MUSIC AT DOG & PONY GRILL Check their Facebook/Instagram for Upcoming Performances All Month Long!

WEDNESDAYS FREE LINE DANCING LESSONS AT THE PONY 5:30pm to 8:00pm 1481 South Main Street – Boerne Come out to socialize and grab some drinks starting at 5:30, with line dancing at 6:30 on their old stage. Lessons will run till 8:00, taught by Kelli of Country Fusion Line Dancing! THURSDAYS SINGO ‘MUSIC BINGO’ Starts at 6:00pm Dog and Pony Grill 1481 South Main Street – Boerne Each night, their host will play 150 of the best hits in the music business, all 30-second music clips, and you’ll have multiple opportunities to win house cash! Prizes every round! Free to play! DOBBS THURSDAY KARAOKE NIGHT! 8:00pm to 11:59pm Salvador Dobbs | 512 River Road – Boerne 1ST & 3RD FRIDAYS SOCIAL AND DANCE AT KRONKOSKY PLACE: THE CENTER 6:00pm to 8:30pm | 17 Old San Antonio – Boerne Cover fee is $10.00 per person for dinner, dessert, music and dancing. Open to non-members and supervised children (12 & under free) are welcome. Music is provided by the Classic Country Band. FRIDAYS & SATURDAYS LIVE MUSIC AT TUSCULUM BREWING COMPANY! 5:30pm to 8:30pm 236 S. Main Street – Boerne Check their website or call for more information about their featured weekly musicians! SINGER/SONGWRITER SERIES AT TAPATIO SPRINGS HILL COUNTRY RESORT La Cascada Table & Bar – Patio 6:30pm to 10:30pm 1 Resort Way – 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 OCTOBER 3 GBCC RIBBON CUTTING FOR JABZ BOXING FIESTA TRAILS 11:30am to 12:00pm 12611 I10, Suite 105 – San Antonio GBCC RIBBON CUTTING FOR ECHO PHYSICAL THERAPY AND ATHLETICS 1:30pm to 2:00pm 1 FM 3351 Suite #140 – Bergheim OCTOBER 9 COLUMBUS DAY KENDALL COUNTY COMMISSIONERS COURT 9:00am to 11:00am Kendall County Courthouse 201 E. San Antonio Ave. – Boerne Every 2nd and 4th Monday of each month.

Calendar of Events

OCTOBER 10 GBCC RIBBON CUTTING FOR THE SISTERS’ ATTIC THRIFT STORE NEW LOCATION 9:30am to 10:00am 216 W. Highland Dr. – Boerne GBCC Ribbon Cutting for The Community Foundation of the Texas Hill Country 11:30am to 12:00pm 121 S Main St. – Boerne OCTOBER 10 & 24 CITY COUNCIL MEETING 6:00pm to 8:00pm | Boerne City Hall OCTOBER 12 RIBBON CUTTING FOR FLIPPIN’ HAIR 1:30pm to 2:00pm 103 E Kronkosky St, Suite 2 – Boerne GBCC BOERNE AFTER 5 MIXER - HOSTED BY UVALCO SUPPLY OF BOERNE 5:00pm to 7:00pm 39700 I-10 W – Boerne OCTOBER 13-15 CHARITY OUTDOOR HALLOWEEN SMOKE BOMB PHOTO SESSION 4:00pm to 7:00pm 114 E Blanco Road – Boerne Charity outdoor Halloween smoke bomb photo session. Asking a $25 donation to benefit the non-profit Genealogical Society of Kendall County. Photos by Jason Abbott. First come first serve. Participants will receive high resolution digital images within 7 days. Carved pumpkins and smoke bombs will be provided. OCTOBER 14 ANNULAR ECLIPSE IN BOERNE Save the date for the Partial Solar Eclipse! HILL COUNTRY MILE ROD RUN 8:00am to 5:00pm Main Plaza | 100 N. Main St. – Boerne A family friendly day of cars, bikes, live music, craft beer, food and vendors will be taking over downtown Boerne to celebrate American classic cars and motorcycles. There will be multiple locations throughout downtown with live music and food. The annular solar eclipse in Texas will be taking place on the day of the event making it a perfect venue for viewing! AMERICA RECLAIMED SECOND SATURDAY EVENT 10:00am to 5:00pm 810 Avenue A - Comfort, TX Live music as well as a sip & shop!! Come see all the new inventory at America Reclaimed!! BOERNE SUNRISE ROTARY CLUB ECLIPSE BBQ & CHARITY RAFFLE 12:00pm to 6:00pm Tusculum Brewing Co. | 236 S Main St. – Boerne This event will benefit local Veterans and ROTC, Scholarships, and Boerne charities. $20 BBQ/Raffle Combines Ticket $10 Raffle Only Ticket TOTAL ECLIPSE IN THE DARK FLASHLIGHT TOUR AT CASCADE CAVERNS 5:30pm to 7:00pm www.cascadecaverns.com for ticket info. ECLIPSE PARTY AT THE PONY 9:00am - 9:30pm 1481 South Main St. – Boerne On the hunt for a place to watch the Annular Eclipse? Plan to spend the day at Dog & Pony Grill they will open at 9 a.m. and have DJ GrossYall spin-

ning all the cosmic spacey jams from 9 a.m. til noon. They will be serving a sunny side up breakfast sandwich on a pitch black bun made just for their restaurant from Extra Fine. They will also be featuring Ring Of Fire Wings. Soul Twang will finish the night on the big stage from 6:30-9:30 p.m. BOERNE ECLIPSE MARKET 10:00am to 4:00pm Alene’s Boutique | 1491 South Main St. – Boerne Featuring local vendors, raffles, baked goods, telescope photo opportunities, and so much more! Located in the same lot as Boerne Farmhouse, Dog and Pony Grill and Alene’s Boutique, you can find certified eclipse viewing glasses for purchase inside of Alene’s Boutique to safely witness the astronomical event. ECLIPSE IN THE CAVE - RUDI & THE RUDIMENTS 7:00pm to 9:00pm Cave Without A Name | 325 Kreutzberg Rd – Boerne An entertaining concert of songs focused on the dynamic interplay of light and shadow. Advance tickets (until 5 pm show day): $35; At the door (if available): $40 OCTOBER 14 & 28 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. Bluegrass KUHLMANN-KING MUSEUM TOURS 12:00pm to 3:00pm 402 East Blanco Rd. – 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. OCTOBER 14-15 BOERNE MARKET DAYS Saturday: 10 am to 5 pm Sunday: 10 am to 4 pm Boerne Main Plaza 100 N. Main St. – Boerne Market Days 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. OCTOBER 17 RIBBON CUTTING FOR THE COMFORT PHARMACY 11:30am to 12:00pm 404 Hwy 27 – Comfort OCTOBER 19 STATE OF THE CITY PRESENTED BY TEXAS HERITAGE BANK Check-in begins: 10:30am Luncheon: 11:00 am - 1:00 pm The Bevy | 101 Herff Rd. – Boerne CIBOLO CREEK DERMATOLOGY GRAND OPENING AND OPEN HOUSE 5:00pm to 7:00pm 1580 S. Main St. Suite 101-A – Boerne LIVE! AT THE LIBRARY: THREE SWINGS AND A MISS 7:00pm to 9:00pm Patrick Heath Public Library Amphitheater 451 N. Main St. – Boerne continued on page 27

BOERNE BUSINESS MONTHLY | October 2023

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BOERNE SUNRISE ROTARY ANNOUNCES THE ECLIPSE BBQ & CHARITY RAFFLE OCTOBER 14, 2023 AT TUSCULUM BREWERY

Boerne Sunrise Rotary has announced the Boerne Sunrise Eclipse BBQ and Charity Raffle has been scheduled for Saturday, October 14, 2023 from 12 p.m. – 6 p.m. This year’s event will again be held at Tusculum Brewing Company located at 236 S. Main Street, in Boerne TX. BSR Event Coordinator Reg Cully said, “We’re going to the street as it will be a busy Saturday for the citizens of Boerne as Boerne Market Days and the annual Rod Run will be held that weekend. Ticket holders will be able to pick-up their barbecue as early as 11 a.m. at Tusculum Brewing Company where they can enjoy outdoor seating and premier Tusculum brews.” In addition, appropriate Annular Eclipse glasses will be available for a small fee at the event, courtesy of Michael Glick Insurance. Proceeds from the event will serve to support local charities including Kendall County Women’s Shelter, Hill Country Daily Bread, Boerne ISD AFROTC, local veteran’s organizations as well as scholarships for graduating seniors from BISD. Lead Sponsors for the 2023 Eclipse BBQ are Edward Jones – Caleb Clark, Advisor, Dr. Liz McRae, Medical Laser Center. Tusculum Brewing Co. and Hungry Horse Restaurant. Entertainment will be provided by Sean Slater. Two levels of tickets can be purchased for the event. Pigout BBQ tickets can be purchased for $20 pre-event price or $30 on the day of the event. Each and includes a free raffle ticket. Separate raffle tickets can be purchased for $10 each. There is no limit on the number of tickets that can be purchased.

BOERNE BUSINESS MONTHLY | October 2023

All raffle tickets must be purchased by 5PM October 14, 2023. Ticket holders need not be present to win. A listing of the event sponsors and raffle items can be found on the Boerne Sunrise Eclipse BBQ web page. Tickets can be purchased on line via the Boerne Sunrise Eclipse BBQ web page www. boernesunrisepigoutbbq.com or from Boerne Sunrise Rotary members. Tickets can also be purchased from the following partnering organizations: Winston School Interact Boerne Champion High School Interact Boerne High school AG Club Boerne ISD AFROTC Club Boerne VFW BBM

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finances

What should you know about RMDs?

You may spend decades contributing to various retirement accounts. But for some accounts, such as a traditional IRA and 401(k), you must start withdrawing funds at a certain point. What should you know about this requirement? To begin with, the rules governing these withdrawals — technically called required minimum distributions, or RMDs — have changed recently. For many years, individuals had to begin taking their RMDs (which are based on the account balance and the IRS’ life expectancy factor) when they turned 70½. The original SECURE Act of 2019 raised this age to 72, and SECURE 2.0, passed in 2022, raised it again, to 73. (If you turned 73 in 2023, and you were 72 in 2022 when the RMD limit was still 72, you should have taken your first RMD for 2022 by April 1 of this year. You will then need to take your 2023 RMD by Dec. 31. And going forward, you’ll also need to take your RMDs by the end of every year.) Not all retirement accounts are subject to RMDs. They aren’t required for a Roth IRA, and, starting in 2024, won’t be required for a Roth 401(k) or 403(b) plan. But if your account does call for RMDs, you do need to take them, because if you don’t, you could face tax penalties. Previously, this penalty was 50% of the amount you were supposed to have taken, but SECURE 2.0 reduced it to 25%. When you take your RMDs, you need to be aware of a key issue:

taxes. RMDs are taxed as ordinary income, and, as such, they could potentially bump you into a higher tax bracket and possibly even increase your Medicare premiums, which are determined by your modified adjusted gross income. Are there any ways you could possibly reduce an RMDrelated tax hike? You might have some options. Here are two to consider: Convert tax-deferred accounts to Roth IRA. You could convert some, or maybe all, of your tax-deferred retirement accounts to a Roth IRA. By doing so, you could lower your RMDs in the future — while adding funds to an account you’re never required to touch. So, if you don’t really need all the money to live on, you could include the remainder of the Roth IRA in your estate plans, providing an initially tax-free inheritance to your loved ones. However, converting a tax-deferred account to a Roth IRA will generate taxes in the year of conversion, so you’d need the money available to pay this tax bill. Donate RMDs to charity. In what’s known as a qualified charitable distribution, you can move up to $100,000 of your RMDs directly from a traditional IRA to a qualified charity, avoiding the taxes that might otherwise result if you took the RMDs yourself. After 2023, the $100,000 limit will be indexed to inflation. Of course, before you start either a Roth IRA conversion or a qualified charitable distribution, you will need

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CALENDAR OF EVENTS | cont’d OCTOBER 20 CAFFEINATE AND DONATE: TRIO REHAB’S BLOOD DRIVE 9:00am to 1:00pm 1022 River Rd, Unit 6 – Boerne Trio Rehab is partnering with The Family Coffee Company to bring you “Caffeinate and Donate,” a unique event that combines the power of giving blood with a freshly brewed cup of artisan coffee. HILL COUNTRY HOUNDIN 6:30pm to 9:00pm Dog and Pony Grill 1481 South Main Street – Boerne Spend an evening on the Dog and Pony backporch or out in their backyard enjoying the musical stylings of Casey Donahew. OCTOBER 21 BARKTOBERFEST 10:00am to 5:00pm Boerne Main Plaza | 100 N. Main St. – Boerne Complete with doggy dash races, a dog costume contest, local beer vendors, music, food trucks, pet adoptions from local rescues, a petting zoo & more. THE CIBOLO FALL FEST 9:00am to 5:00pm Herff Farm | 33 Herff Road – Boerne Hay rides, live music, and fall activities for visitors of all ages! HARVEST FESTIVAL – ANTIQUE TRACTOR PULL 10:00am to 4:00pm The AgriCultural Museum and Arts Center 102 City Park Road – Boerne Come watch antique tractors from around Texas as they compete to pull the heaviest weight the farthest. Hay rides, music, food truck, craft vendors and more! BOERNE CEMETERY TOUR 10:00am October is Family History Month, and it’s the perfect time to come learn about Boerne’s pioneers at the annual Cemetery Tour sponsored by the library, the Genealogical Society of Kendall County, and Boerne Parks and Recreation Dept. Ten actors will be on hand to tell you about the lives of the residents who came before us. Free admisiion. BOERNE BOO 4:00pm to 7:00pm 451 North Main Street – Boerne A ghastly good time at this free family-friendly event with arts and crafts, trick or treating, bounce houses, carnival games, food trucks, music, and of course lots of candy/prizes for costume contest winners! KENDALL COUNTY WILD GAME DINNER 4:00pm to 10:00pm Kendall County Youth Agriculture & Equestrian Center 648 FM 289 – Comfort The premier fundraiser for the Kendall County Jr. Livestock Association. Some of the finest food out there, they welcome back their cook teams from the past and have added a few new ones! OCTOBER 26 GBCC RIBBON CUTTING FOR TTS RESEARCH’S 20TH ANNIVERSARY 1:30pm to 2:00pm 1420 River Rd., Suite 100 – Boerne OCTOBER 27 Boerne Spooktacular 4:00pm to 9:00pm 102 City Park Road – Boerne

Trick or treat at several themed stations to thrill and delight you and your young ones!

turing the Boerne Police Department and Sparky along with his pals from Boerne Fire Department.

KCFA HAUNTED HOUSE 6:00pm to 11:00pm 1307 River Road – Boerne Prepare to get your pants scared off at the Kendall County Fair Queen’s Court’s annual Haunted House Fundraiser. Family fun for all!! Friday and Saturday from 6pm-11pm!

35TH SOUTH TEXAS ALL BRITISH CAR DAY 8:30am to 2:25pm Main Plaza | 100 North Main Street – Boerne A car show open to all British made automobiles.

OCTOBER 28 FALL FEST 9:00am to 12:00pm Campus of St Mark Early Learning Center 208 W Bandera Rd – Boerne A morning of food, games, bounce houses, get your face painted and ride the mini train! There will be a Trunk or Treat beginning at 11am fea-

BOERNE’S TRICK OR TREAT TRAIL 10:00am to 5:00pm Hill Country Mile Trick or treat all day long in and around the Hill Country Mile! Kids and adults are welcome to dress up and fill their candy buckets while leisurely shopping and strolling through our historic downtown. BBM

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ribbon cuttings

GREATER BOERNE CHAMBER OF COMMERCE

SEPTEMBER 2023 RIBBON CUTTINGS

The Kendall County Fair Association celebrated the 117th Annual Kendall County Fair with a special ribbon cutting ceremony! Kick up your heels with the 117th Annual Kendall County Fair! For over 100 years the Kendall County Fair Association, as a nonprofit organization, has maintained its agricultural mission for Kendall County and the greater Texas Hill Country. This ribbon cutting kicked-off the fun-filled Labor Day weekend! With the queen’s pageant, exhibit hall full of contests, carnival, rodeo, bull riding extreme, livestock show, and vendors, there is truly something for everyone!

Jená Craig Photography’s celebrated their 9 Year Anniversary with a special ribbon cutting ceremony! Jená Craig Photography specializes in newborn, children and family portraits. They are a full service studio that provides you with high end quality portraits that will last for generations to come. Today we celebrated Jena’s 9 years in business and also celebrated her being chosen “Best of the Best” by The Boerne Star! You can contact Jena’ Craig at her studio by calling (830) 370-8433, visiting her website jenacraig.com or visiting her studio located at 41109 IH 10 West in Boerne.

Anytime Fitness Boerne celebrated their new owners with a special ribbon cutting ceremony today! Anytime Fitness Boerne is excited to announce that they’re under new ownership! Joshua and Beth, who own the Fair Oaks location as well. At Anytime Fitness Boerne, the support is real and it starts the moment you walk into the building! Stop by Anytime Fitness Boerne at 1018 River Road in Boerne today and check them out, head over to their website anytimefitness.com/gyms/2871/BoerneTX-78006 or give them a call for more information about memberships, amenities, classes, personal training and more!

We were excited to celebrate and welcome Javier Balderas - KW Heritage - Warmke Real Estate Group into our Boerne Chamber with a special ribbon cutting ceremony! Javier brings a diverse background encompassing real estate home inspections, property development and management, and two decades of expertise in health, safety, and environmental regulations. In the realm of Real Estate, his dedication to prioritizing clients’ interests led him to team up with the Warmke Real Estate Group. At Warmke Real Estate Group, they are committed to delivering excellence and enhancing every real estate journey. Reach out to Javier at (210) 879-8715 or visit warmkerealestate.com.

Momentum Physical Therapy’s celebrated their 2 year anniversary with a special ribbon cutting ceremony! Momentum Physical Therapy allows you to experience a different kind of physical therapy! They offer hands-on care and individualized therapeutic exercise programs from expertly trained and licensed physical therapists who work one-on-one with you. With numerous locations in the Hill Country and San Antonio area, there is a Momentum location near you that is ready to get you healthy for life! The Boerne Momentum location is 124 E. Bandera Road, Suite 402. Interested in learning more or setting up an appointment? Head over to their website wegetyouhealthy. com or give them a call at (830) 428-2950 today!

The Hacienda at Esperanza celebrated a groundbreaking ceremony! They are thrilled to offer an exclusive collection of homes designed specifically for adults 55+. Fondly known as Regency at Esperanza, this private active-adult community within a community will feature 500 single-level homes by award-winning builder, Toll Brothers. Residents of Regency at Esperanza will have access to all of Esperanza’s amenities, in addition to their very own clubhouse,The Hacienda, with a pool, fitness center, Pickleball and bocce ball courts, and recreational space for socializing. Go to myesperanza.com/ active-adult for more information. Call (830) 368-2950 to set up an appointment for a viewing of the model home.

Boerne Gymnastics Center celebrated their 40th Anniversary with a special ribbon cutting ceremony! They strive to provide an opportunity for physical and mental fitness for youth through gymnastics and related physical activities. They offer numerous classes including preschool gymnastics, girls and boys gymnastics, acrobatics, trampoline/tumbling, and other competitive programs! In addition to their year round programs, they host Parents Night Out, summer camps, birthday parties and so much more. Boerne Gymnastics Center is located at 105 Stonegate in Boerne. Visit boernegym.com to learn more.

A-Affordable Storage’s Grand Opening in Boerne was celebrated with a special ribbon cutting ceremony! A-Affordable Storage is a new, locally owned and operated RV, boat, and personal storage company serving the Hill Country area. They offer spaces up to 60’ in length, as well as enclosed self-storage units, covered and noncovered spaces for your car, boat, or recreational vehicle. A-Affordable Storage also provides 24-hour security, fleet parking, air compressors and dump stations for all customers to use! Give them a call (817) 874-0183 or visit a-affordablestorage.net/avada/boerne-storage or head over to the A-Affordable at 946 State Hwy 46 East in Boerne.

We celebrated @thenapanetwork Boerne and their 1 year anniversary in their new location at 7 Cascade Caverns Road in Boerne with a special ribbon cutting ceremony! Napa Auto Parts of Boerne has been servicing the Boerne and Kendall County area since 1973! They store currently has one of the largest inventories in the area, easily providing exactly what you need. With more than 500,000 parts, Napa Auto Parts is constantly growing and expanding its products to serve you! Stop by today, head over to their website boernenapa.com or give them a call (830) 249-6272 now to learn more about all of the ways NAPA can help you!

BOERNE BUSINESS MONTHLY | October 2023

We celebrated Dang Sassy’s official name change to Hey Love with a special ribbon cutting ceremony! We got to celebrate Hey Love’s new name, new look, new website, as well as the one year anniversary under their new ownership! Hey Love is located at 152 S. Main Street in Boerne and carries all the popular brands, including an entire gameday line! Check out the new website heylovetexas.com to shop from the comfort of your own home or shop in-store.

We celebrated the grand opening of State Representative Ellen Troxclair’s New Kendall County District Office! Representative Ellen Troxclair serves Texas House District 19. Representative Troxclair represents Blanco, Burnet, Gillespie, Kendall and western Travis Counties. We encourage you to stop by and visit with Representative Troxclair in her new office located at 624 N. Main Street in Boerne. You can also learn more by going to her website house.texas.gov/members/memberpage/?district=19 or giving her a call at (512) 463-0490!

We celebrated the Grand Opening of LD Bridal with a special ribbon cutting ceremony! LD Bridal is a luxurious bridal boutique located right here in the heart of Boerne (412 River Road, Suite 104). From wedding dresses, mother of the bride dresses, prom/evening gowns, cocktail dresses and more, they’re here to create your happily ever after or be the best dressed at your next formal event! Be sure to check them out on Instagram at ld_bridal.

We celebrated the grand opening of Limestone Bistro with a special ribbon cutting ceremony! Located at 946 N. School Street in Boerne they’re currently open for breakfast and lunch. They offer fresh baked pastries, coffee, an array of breakfast meals, sandwiches, salads, kids meals and more. Find their full menu, order online or apply for a job by going to their website limestonebistrotx.com now! Current Hours: Wednesday through Saturday 8:00am - 2:00pm and their phone number is (830) 331-2182.

The Boerne Chamber was honored to help celebrate The Bubble Tea Factory’s 4th Birthday with a special ribbon cutting ceremony! They offer a wide range of food and drinks, but they’re best known for their boba drinks! Stop by today and pick up a sweet treat at their Boerne (1415 E. Blanco Road, Suite 1) or Kerrville locations! Enjoy half off drinks everyday between 11am-1pm when you order from the app! Be sure to like and follow The Bubble Tea Factory on facebook facebook.com/Thebubbleteafactory.

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newsworthy

Inspiring people to achieve their life’s ambitions

The GVTC Foundation Raises Over $14,000 from Inaugural Game Day 5K Event

The GVTC Foundation is excited to announce that its inaugural community charity event, the Game Day 5K, raised over $14,000! As a testament to its steadfast commitment to fostering community involvement and diversifying fundraising efforts, The GVTC Foundation orchestrated an event that not only provided an invigorating and unforgettable experience but also united participants around a shared cause. The event drew in individuals, families, and friends together for a day of physical activity, camaraderie, and spirited celebration. Participants ran, strolled, or walked alongside their loved ones and donned the vibrant colors and logos of their favorite high school, college, or professional sports teams, infusing the event with an electrifying Game Day atmosphere. The Knibbe Ranch offered a unique running route with both paved and trail segments. The post-race celebration, held upon crossing the finish line, was a vibrant affair, with delectable food offerings, refreshing beverages, engaging games, and more. The festivities culminated in an awards ceremony. "The Game Day 5K has exceeded our expectations and has solidified its place as a unique platform for community members to come together and support a worthy cause. The GVTC Foundation remains dedicated to uplifting our community, and this event encapsulated that mission in a dynamic and engaging way," said Sonia Aguillon, President of The GVTC Foundation As a part of its commitment to nurturing the future, The GVTC Foundation awarded a $1,000 scholarship to the youth program that had the most spirit – Spring Branch Middle School Cross Country Team. The Pieper Cheer Team was also given a $500 sponsorship for cheering on our runners. Ritchie Sorrells, President and CEO of GVTC, stated, "The Game Day 5K exemplifies the spirit of collaboration and unity that defines The GVTC Foundation. We extend our heartfelt gratitude to all the sponsors and attendees who embraced this event and its underlying purpose." The GVTC Foundation looks forward to future events as it continues to champion community unity, physical wellness, and a shared vision of a brighter future.BBM

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Planning To Pledge

In 2010, 40 of the world’s richest people made a collective promise, known as the Giving Pledge. They would give the majority of their wealth to philanthropic causes, either during their lives or soon after their deaths, in an attempt to solve some of society’s most complex problems. Warren Buffett, Bill Gates, and Melinda French Gates were among the first to sign on. As of the end of2022, 233 more people have also signed, including Elon Musk, Sheryl Sandberg, Mark Zuckerberg, and George Lucas. But the Giving Pledge is open only to billionaires—2,540 individuals worldwide, according to Forbes’ most recent list—or to those who would have billions if they hadn’t already given so much away, as are the handful of similar pledges that follow similar philanthropic principles. For instance, some billionaires who find the Giving Pledge too modest have made a different vow to give away at least 5 percent of their wealth each year. The core idea among these pledges is that great wealth should benefit the collective good, not only a small number of family members. And that’s a principle that anyone can follow, billionaire or not. In fact, financial and estate planners say giving away most of your money is something that anyone with significant assets can consider—although few do. “In my experience of 22 years, it’s exceedingly uncommon,” says Eido Walny, a Milwaukee lawyer who serves on the board of directors of the National Association of Estate Planners and Councils. Mike Gray, a CAPTRUST financial advisor based in Raleigh, North Carolina, says that while many people include charities in their estate plans, most have a family-first mentality, leaving most of their wealth to their adult children. But some people do put charity first. For instance, one couple that Gray works with plans to give away about $25 million, most of their assets, upon their deaths.

Meet the Phillips

David and Adele Phillips (using pseudonyms to protect their privacy) first met through a civic club and found they had a lot in common. Married for more than a decade now, David, 79, and Adele, 52, have no children. They live an active outdoor life dedicated to faith, community service, and each other. The plan to give away most of their money, they say, has evolved over the years but has been driven by those values. “Charitable work has always been a part of our lives,” says David, who made his money in real estate and banking. Adele, who inherited some of her wealth and still works in order to maintain her independence, says she has volunteered since childhood. “My grandfather was a pastor, so service was a very big part of our family.” With that background, Adele says, “It would never occur to us to spend

BOERNE BUSINESS MONTHLY | October 2023

by Kim Painter

everything we have on ourselves.” David and Adele have always been active fundraisers and donors. But the plan took on extra urgency, David says, after he was diagnosed with Parkinson’s disease in 2016 and was told he might have just a few years to live. While he’s outlived that initial prognosis, he says the experience “helped me realize I probably should get my plan in order.” Right now, the Phillipses plan to give money to several charities, including a local nature conservancy, the schools and colleges they attended, and the civic club where they met. They are also planning bequests to a few extended family members. The Phillipses developed their plan in partnership with their financial advisors, as well as an estate attorney, a certified public accountant, and an executor. They call this their A-team and call the executor their quarterback. “Our plan is solid,” David says, “and everyone knows who will take the lead when the time comes.”

Planning a Major Legacy

Inspired by the Giving Pledge or the Phillipses? To follow in their footsteps, you’ll need a plan and a team to help you execute it. “There are a lot of different ways to go about this,” Walny says, and it’s more complicated than just updating a will. Wills, in fact, may not be the best way to make major bequests, in part because the probate process can put unwanted public focus on your estate, says Walny. Other, potentially more efficient, ways to boost lifetime giving or leave assets behind include setting up trusts, creating a family foundation, or putting money in a donor-advised fund (DAF). A DAF is a charitable investment account, administered by an established nonprofit organization. Donors recommend gifts from their accounts but don’t directly control the money. For many people, a DAF is more appealing than a family foundation because it elimi-

nates administrative expenses and duties, Walny says. However, control of both family foundations and DAF accounts can be passed down to heirs, if that’s desired, giving adult children and other family members asset pools to meet their own charitable goals. Some people also choose to name different charities as the beneficiaries of each of their assets, such as life insurance policies or retirement accounts. Designating a charity as the beneficiary of a traditional individual retirement account (IRA) can be an especially smart move because otherwise your heirs will pay income taxes on the proceeds. “Going this path doesn’t change the amount the charity receives but effectively increases what the heirs will net,” Gray says.

Choosing Charities

Most people know what they are passionate about, so choosing which causes they’ll support isn’t a difficult task. But it can take some homework to vet specific organizations that support those causes. Groups such as Charity Navigator and Charity Watch are good sources of information, according to Consumer Reports. Even if you’ve designated a recipient, it’s smart to dig deeper, Walny says. Anyone planning a major gift should meet with charity administrators to talk about how they might align their philanthropic intentions with the group’s needs. He had one client, he says, who wanted his money spent on guide dogs—until the recipient organization told him that the dogs attracted so many donations that they were “living in 24-carat-gold dog houses,” while other programs were severely underfunded. The donor opted to redirect his money to those needs. In other cases, a small nonprofit may not be able to fully capitalize on a large gift if it’s a surprise, so starting the conversation early can ease the planning process for both giver and recipient.

Giving While Living

Sometimes, it makes more sense to give now instead of giving after your death. Of course, there are tangible tax benefits to giving while you’re alive. Some lifetime gifts, including charitable ones and those that pay direct educational and medical expenses, are exempt from annual gift and estate taxes, and there is no limit to how many such gifts you can make. By reducing the size of your estate, you also reduce the federal estate tax your heirs will pay. But there is also the intangible benefit of witnessing your positive impact on the world. Also, the causes you care about may need the money sooner rather than later. Still, Walny says, most people are concerned about running out of money by giving too much away while they’re still alive. A financial advisor can be a helpful resource in figuring out how much and how often you can give and how much you will need to conserve. For those who are considering large-scale philanthropy, Gray says, it can also help put your mind at ease to remember that your giving plans are flexible. “So long as you’re alive and mentally competent, you can generally change your mind about where your money goes or how much you will donate.” BBM 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 document 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. © 2023 CAPTRUST Financial Advisors

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October

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BOERNE BUSINESS MONTHLY | October 2023

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We focus on a high-quality experience with books that appeal to all readers. Having a wide range of topics and an eclectic mixture in all areas is a point of pride for us. We want to both provide the books our customers are seeking and expose them to books that will intrigue them. To this end we seek to engage with our customers on what they read and the topics that interest them. And if we don’t have something you want, we can get it.

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for a good cause

Boerne CROP Hunger Walk is November 18 Boerne joins communities across the country in helping to end hunger one step at a time, both around the corner and around the globe. The Boerne Crop Hunger Walk supports the efforts of Hill Country Family Services to eradicate hunger in our community and the international relief and development work of Church World Service. All Boerne residents are invited to create a team or join one, and gather on Saturday, November 18 at 9 am in the Family Life Center of St. Mark Presbyterian Church, 208 W. Bandera Road. Attendees will enjoy pre-walk activities, refreshments, prize drawings, and learn about local programs that are combating food insecurity right here in Boerne. Then the one-mile walk from Bandera Road to Main Street to River Road and back will kick off at 9:30 am. CROP Hunger Walks represent the heart and "sole" of a community. The Boerne event will bring together all residents – young and old, all faiths and walks of life – for the common goal of ending hunger one step at a time! The 2023 local benefitting agencies are Hill Country Family Services and Church World Service. Last year, Boerne walkers raised more than $3,600 with 25% of that going to Hill Country Family Services. Organizers hope more participants will make an even greater impact this year. Join or create a team at https:// events.crophungerwalk.org/2023/ event/boernetx. St. Mark Presbyterian Outreach Ministry organizes this walk in partnership with Hill Country Family Services.

CROP Hunger Walks help children and families worldwide – and right here in Boerne – to have food for today while building for a better tomorrow. Local efforts are making a huge difference. Be part of it! For more information about the Boerne CROP Hunger Walk, contact St. Mark Presbyterian Church at (830) 816-3000 or office@stmarktx.org. St. Mark Presbyterian Church, 208 W. Bandera Road, Boerne, is a member of Mission Presbytery of the Presbyterian Church (USA). The congregation strives “to glorify God, and by the power of the Holy Spirit, provide opportunities for all people to know, love, and follow Jesus Christ.” https:// www.stmarktx.org/ BBM

St. Mark Youth are supporting the Boerne Crop Hunger Walk on November 18.

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BOERNE BUSINESS MONTHLY | October 2023

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local author

Antonina Duridanova Antonina Duridanova is the author of New Beginnings: From Behind the Iron Curtain to America. In her book memoir she raises the questions: what is the price for freedom and which is the road to success and happiness? The book tells the story of a 19-year-old girl who escapes from a communist country and arrives with a suitcase in the country of great opportunities. Her life unfolds in a successful future of obtaining the education and career she aspires to have. Antonina returns to her homeland after the fall of communism and assists with the creation of a new tax administration as United States Tax advisor. The author resides in San Antonio and has three children and six grandchildren. She wrote the book to provide inspiration for the American people to follow their dreams and to be grateful to live in the most democratic and free country in the world. BBM

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