Volume 15, Issue 03: September 2022 LOCAL NEWS & INFO NAVIGATING THROUGH OURECONOMYCURRENT HOME & LAND: RESETTINGEXPECTATIONSSELLERS’ BOERNE BUSINESS MONTHLY JENNY FORKS Follow Your Heart. Find Your Strength.
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Karl J. Eggerss FinancialPrincipal,Advisor Casey Keller, CFA Senior Vice President, Financial Advisor Shawn Morris, CFP®, AAMS® Vice FinancialPresident,Advisor Britni Mosher RelationshipAssociate,Manager
Lauren Stumberg Owner/Publisher
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4 B oerne B usiness M onthly | September 2022
As a business owner, have you been involved in a settlement or lawsuit? On page 26, Brock Vargas of ADKF shares some tax implications that you may not have considered depending on the result of your settlement or judgement. Be sure to check out the Calendar of Events to see fun things to do in and around Boerne, check out what businesses are having ribbon cuttings, and so much more. There is lots going on this September!
September is here and that means it’s time to do some fall clothes shopping, right? While the temperatures may not be much cooler, I’m ready for some cute fall fashions. If you have not been in to J. Forks Designs, now is the time. This honestly is one of my favorite local stores. Jenny Forks, along with her daughter Hallie, have created a truly great shopping experience. Forks has an amazing story as well and in addition to the retail store, she is also a public speaker and has a book coming out soon! Learn more about her starting on page 16. Another great way to get some fall shopping in will be at the Boerne Retailers’ Style Show and Shopping Event on September 17th. Be sure to get your tickets to support both local businesses and the Kendall County Women’s Shelter. Does the current state of the economy have you feeling a bit uneasy? Be sure to read the article from Matt Nelson of Prime Capital Investment Advisors on Navigating Through Our Current Economy as he shares some insight.
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6 B oerne B usiness M onthly | September 2022 finances Navigating Through Our Current Economy by Matt Nelson, AIF® – PCIA homecalendar&land Resetting Sellers’ Expectations by Carol Schultz & Ariel Brooks-Stevens of Hill Country Home and Land cover feature Jenny FollowForks:Your Heart. Find Your Strength. ribbon cuttings food & fun Don’t Miss the 11th Annual Kendall County Wild Game Dinner 08: 09: 12: 16: 22: 24: 26: 28: 29: 30: JimKathyCampbellCloud BROKER MOBILE: (325) 347-7693 TEXASHILLCOUNTRYREALTY.COM Wiley CloudOwner/BrokersRenee RobinCampbellMcCallDallenbach ConfidentialInterviewsCareer Call (210) EMPOWERING710-6601 SUCCESS Javier Acevedo taxes Tax Implications of Settlements and byJudgementsBrockVargas book review The Lazy Genius Way by Kendra Adachi by Adrianne Carnes for The Boerne Bookshop the arts 5th Annual Boerne Bierfest for a good cause Boerne Retailers’ Style Show & Shopping Event Interested in advertising? Have an article idea? Just want to say “Hi”? We’d love to hear from you! @boernebusinessmonthly | info@boernebusinessmonthly | (210) 219-6735 SeptemberCONTENTS Cover photo by Melissa Lindsey Photography
The Rivers offer objective information and opinions through their many years of professionalism. lo v e our people
boernebusinessmonthly.com 7 COMMERCIAL ~ RANCHES ~ RESIDENTIAL PROPERTIES y Owned ~ Nationally Reco gnized Stephen V. Vallone CEO, Escrow becky@texasinvestorstitle.comsteve@texasinvestorstitle.comOfficerBeckyEdmiston,CESPPresident,EscrowOfficer Office: (830) 816-5888 www.TexasInvestorsTitle.com Boerne Office: 116 W. Blanco Rd., Suite 101, Boerne, Texas 78006 Houston Branch: 10000 Memorial Dr. Suite 100 N Houston, Texas 77024 Representing Stewart Title Guaranty, First American Title Insurance and Chicago Title Insurance REALTORS ® 711 S. Main Street Boerne, Texas 78006 C (210)
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Rivers Team Reinventing real estate
theriversteam@phyllisbrowning.com393-3231www.theriversteam.comwww.phyllisbrowning.com
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The Rivers have combined over 60 years of experience
SCAN TO LEARN MORE ABOUT OUR TEAM JUDITH & DWAINE RIVERS REALTORS® jrivers@phyllisbrowning.com MOBILE (210) 393-3231 PHYLLISBROWNING.COM AUSTIN BOERNE FREDERICKSBURG NEW BRAUNFELS SAN ANTONIO theriversteam.com REALTORS ® 711 S. Main Street Boerne, Texas 78006 C (210) theriversteam@phyllisbrowning.com393-3231www.theriversteam.comwww.phyllisbrowning.com The Rivers Team Reinventing real estate FT.78006 WHY YOU SHOULD USE the RIVERS TEAM No words can say how wonderful it was working with the Rivers team! -Latta Great people who roll their sleeves up and care about their clients. -Arellano Amazing! From start to finish the whole experience was perfect! Love the Rivers! -Littlestar
The Rivers continue to uphold their outstanding customer service by having an entire team including marketing, legal advisors and transaction coordinators that ensure a seamless experience. y in g a n d selling is an e motio n al decision Th Rivers’ years of knowledge step in and be the objective third party to help you stay focused and calm. market moved and quickly is how The Rivers 46 million dollars in business in 2021.
Navigating through our CURRENT ECONOMY by Matt Nelson, AIF ®
BBM
W
finances
With inflation at multi-decade highs and inflation expecta tions inching up, the Fed has reprioritized its focus from supporting growth to quickly taming inflation. The Fed has stated (unequivocally, to our ears) that they would gladly risk a recession now via restrictive policy to avoid the bigger risk of higher and more entrenched inflation later. This is the right long-term policy, but means that economic growth will slow in the near term. Interest rates across the curve are materi ally higher year-to-date. Front-end rates will continue higher in-line with Fed guidance, but we expect long-end rates to stabilize as growth slows and the Fed’s inflation-fighting credibility
Reassuringly, from an investor perspective, a fair amount of pessimism has already been priced into the market. Various measures of investor sentiment are quite weak, which generally signals good entry points for long-term investors. Similarly, consumer sentiment is near all-time lows; prior troughs in this gauge dating back to the early 1970’s have rewarded brave investors with average returns of 25% over the following 12 months 1 . Reviewing the history of 17 prior bear markets in US stocks dating back to 1900 provides a dose of humility, given the wide disparity of severity and length of prior drawdowns. If nothing more, this exercise reminds us that patience is a requisite ingredient for good long-term returns: median prior drawdowns have gone lower and taken longer to bottom than the current episode. Risk assets valuations look fair, but not cheap. Many pundits point out that market drawdowns of 20% or more have historically been great entry points. This is true, but valuation matters more than price. 2021 valuations were rich, so the move lower in risk assets thus far has merely brought valuations back down to earth from unsustainably lofty levels. In fact, for stocks, the year-to-date move is almost entirely explainable by the move in risk free rates, rather than a true increase in extra compensation investors get for taking on the risk of owning stocks. As for private equity, we think assets will be remarked lower as net-asset values get market-to-market over the coming quarters, potentially offering attractive entry points for investors underexposed to this asset Overall,class.ifwe survey all of these elements to our analysis – inflation, interest rates, economic growth, corporate earn ings, sentiment, historical context, and risk asset valuations – we shake out as being cautious over the short-term, but more bullish over the long-term. Higher interest rates and a mild recession could be just what the doctor ordered to wean our economy off the morphine drip of growth-supportive Fed policies, but we would prefer to get a better sense of how severe the withdrawal symptoms will be before getting definitively more aggressive.
Whethergrows.ornot
8 B oerne B usiness M onthly | September 2022
Matt Nelson is the Managing Director for PCIA’s San Antonio market. He has been in the financial services industry for over two decades. Due to Matt’s tenure, he has a wealth of experience assisting high-net-worth individuals to work through a multitude of financial challenges to develop a holistic approach to wealth management and asset protection. He also works with many large corporations throughout the Midwest and Southwest handling their retirement plans. Specifically, he consults with plan sponsors regarding fiduciary protection, vendor search, and selection as well as face-to-face participant education.
Matt loves raising his two daughters in the Boerne and Kendall County community and is very active in supporting the local community. www.pciawealth.com | (830) 816-5131
Matt’s approach to these services begins with a strong relationship with his clients by understanding their needs, listening to concerns, then coordinating with tax and legal experts to develop a holistic plan.
we see an actual recession in the next year will be determined by the interaction between the economy’s positive momentum, the persistence of inflationary pressure, and the restrictive effects of Fed monetary policy. On balance, we expect growth to slow to a 0-1% annualized rate. However, should a recession come to pass, we presently expect it to be more mild than severe, owing to the underlying strength in the labor markets. More importantly, recession or not, we think that corporate earnings estimates need to come down from overly optimistic levels. Growth will slow and the combination of cost pressures and worried consumers will likely pressure margins. Overall, we think forward earnings estimates look about 5-10% too high.
boernebusinessmonthly.com 9 nspiring people e. Advisory services offered through Prime Capital Investment Advisors, LLC. (“PCIA”), a Registered Investment Adviser PCIA: 6201 College Blvd., Suite 150, Overland Park, KS 66211. PCIA doing business as Qualified Plan Advisors (“QPA”) and Prime Capital Wealth Management (“PCWM”). 616 E. Blanco, Suite 201-A / Boerne, TX 78006 (830) 816-5131 / PCIAWealth.com SEPTEMBER Calendar of Events
A DAY AT THE FARM AND FARMERS MARKET 9:00am to 1:00pm | Herff Farm 33 Herff Rd. – Boerne Vendors will be set up at Herff Farm to supply you with some of your local favorites. Whether you want to hike the trails, shop in the open air, get gardening inspiration, take classes on growing your food, help the Cibolo Center for Conservation maintain the land through volunteer service projects, or get new recipe ideas, the Farmers Market at Herff Farm is the place to be.
EVERY SATURDAY
OLD JAIL MUSEUM TOURS 10:00am to 5:00pm 208 E. San Antonio Ave. – Boerne Tour the Old Jail Museum and enjoy its unique exhibits. The Kendall County Historic Jail was constructed in 1887 and served for a century as the county jail. In recent years, the Friends of the Kendall County Historic Jail have painstakingly restored the space, bringing it back to life as a one-of-a-kind museum of Kendall County history. $5 Adults; Free for Children under 10, Veterans, and Law Enforcement
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SEPTEMBER 1 GBCC RIBBON CUTTING FOR TRELLIS COUNSELING & CO. 11:30am to 12:00pm 908 S. Main St, Suite 101 & 300 – Boerne GBCC RIBBON CUTTING FOR STUDIO S ARCHITEKTS 11:45am to 12:00pm 908 S. Main St. – Boerne GBCC RIBBON CUTTING FOR WHEELER'S HAT BAR GRAND 324501:30pmRE-OPENINGto2:00pmIH10W– Boerne GBCC RIBBON CUTTING FOR 100 WOMEN OF THE HILL COUNTRY 5:30pm to 6:00pm Fair Oaks Ranch Golf and Country Club 7900BallroomFair Oaks Pkwy. – Fair continuedOakson
WHEN TRUST, SERVICE AND EXPERIENCE MATTER... Big enough to deliver. Small enough to care. CHOOSE 501 E. San Antonio Ave. Boerne, TX 78006 WWW.HCHOMEANDLAND.COM830-331-1104
(830) 816-2288 Judy Filingeri Owner Angela Turner Associate Broker® Carey Stewart REALTOR® Lynelle Boyd REALTOR® SEPTEMBER 2 GBCC RIBBON CUTTING FOR BEAUTY BY BELLA 3:00pm to 3:30pm 28720 W I10, Suite 430 – Boerne SEPTEMBER 5 LABOR DAY SEPTEMBER 6 GBCC RIBBON CUTTING FOR CUELLAR & ASSOCIATES, LLC 1:30pm to 2:00pm 11550 I-10, Suite #330 – San Antonio SEPTEMBER 8 GBCC RIBBON CUTTING FOR CLUB CAR WASH 1:30pm to 2:00pm 1520 S Main St. – Boerne GBCC BOERNE AFTER 5 MIXER: HOSTED BY HAMPTON INN AND SUITES AT BOERNE 5:00pm to 7:00pm 34935 IH 10 W – Boerne SEPTEMBER 9 GBCC RIBBON CUTTING FOR THE KENDALL COUNTY WOMEN'S SHELTER 10TH ANNIVERSARY 2:00pm to 2:30pm Fabulous Finds Thrift Store 934 N School St. – Boerne SEPTEMBER 10 & 24 KUHLMANN-KING MUSEUM TOURS 402 E. Blanco Rd. – Boerne Take a tour around the Kuhlmann-King property to step back in time to experience and explore how a Boerne family would have lived in the late 1800s. Keep an eye out for different educational programs each month. SEPTEMBER 10 MOONDANCE OUTDOOR CONCERT SERIES - CARBONLILY TRIO 7:00pm to 10:00pm Cibolo Nature Center Grab your lawn chairs, coolers, and picnic, and head to the Cibolo Nature Center for some music and fun under the majestic oaks! Food Trucks are on-site! $15 per concert; $10 members; $5 Students Ages 12-15; $75 Season Tickets for all Concerts or $50 for Members *Tickets available at the door. CALENDAR OF EVENTS | cont’d continued on page 13
home land& HCHOMEANDLAND.COM (830) 331-1104 CAROL
DON’T EXPECT TO SEE INSANELY HIGH OFFERS.
HOUSES AREN’T SELLING QUITE AS QUICKLY AS BEFORE. Don’t be surprised if homes sit on the market several weeks before receiving an offer. With more options to consider, buyers are able to take the time to choose the home that best suits their needs. Buyers are catching their breath. Having to go see a home within the first few hours of it being on the market was exhausting and defeating. Especially since buyers were making offers sight unseen for so
12 B oerne B usiness M onthly | September 2022 much over the asking price, many people threw in the towel and decided to wait to be able to buy. That time has come.
The real estate market is normalizing. There are more houses on the market, but higher mortgage rates are making it harder for buyers to afford the types of homes they could just a few months ago. This translates into sellers needing to rethink how things will go when their house goes on the market. This does not mean sellers can’t get top dollar for their homes, but the market today is very different from just six months ago.
BUYERS AREN’T WILLING TO GIVE AWAY THE FARM ANY LONGER.
Buyers won’t be rushing to make offers that are significantly over the list price. With the lending environment shifting, buyers have less available cash to put down to cover an offer well over ask ing and appraisal price. They now have to factor in the increase in a monthly mortgage payment. This doesn’t mean that we aren’t seeing homes sell for over asking price but more often we are seeing homes sell at the list price or just below.
Buyers had to not only pay well over asking to get their offer accepted, but they also had to make concessions that were rarely seen before the market whipped into a frenzy. Waiving inspections entirely or paying several hundred dollars for a few precious days to make sure the house was a sound investment; paying for the title policy, the survey and forgoing a home warranty or an appraisal were standard practice if a buyer wanted a shot at getting the house. Today, buyers are offering less than asking price if the home is overpriced and they are asking for, and getting, an option period and a home warranty.
Resetting Sellers’ Expectations
T SCHULTZ & ARIEL BROOKS-STEVENS
THE CONDITION OF THE HOME MATTERS. Buyers were so desperate to get a house that they would set tle for just about anything. This made sellers feel that their home’s condition wasn’t a selling fea ture. Tidying up before showings, mowing the lawn or patching the hole was no longer necessary. Homes that were in pristine con dition sold faster and for more but homes in less than favorable con dition were also selling so sellers got lazy. It’s no longer going to work that way. It’s important that sellers have their home ‘show ready’ and make the necessary fixes that will make their home appealing to potential buyers. If a home is well priced, and is in pristine condition, there may still be multiple offers or even offers over asking price, but for sure this house will sell before one that has stained carpet, mystery odors or outdated finishes. A good real estate agent will always advise a client on the mar ket and what a reasonable listing price should be and what repairs need to be done before putting the home on the market. Sellers don’t need to worry that they have missed the boat entirely and can’t get their home sold in today’s market. Buyers are still wanting to move to our area and many haven’t lost their buying power with higher interest rates. Maybe it’s time for all of us to catch our breath, slow down just a bit and keep in mind that the real estate market is still moving forward… and at higher interest rates.
BBM
If you are considering putting your home on the market, here are a few things to think about: The days of sellers having 20 offers to choose from in the first four hours of their house going on the market are gone. Sellers need to understand that the pool of buyers has shrunk due to rising mortgage rates, but the available homes for sale has increased so buyers have more choices. If someone can still buy with a 6% interest rate, they have more options to choose from and less competition.
To say these past two years have been a sellers’ market would be an understatement. Sellers have been able to expect the moon for very little work. Offers significantly over asking price, bidding wars and multiple offers have been the norm. Today’s sellers aren’t having the same experience as our market has shifted.
boernebusinessmonthly.com Office Location! 179 S. Main St. – Boerne, Texas 78006
Beorne
13 continued on page 20Barrett Houser | (830) 443-1950 Personal • Commercial • www.wspinsurance.comBonds New
BOERNE MARKET DAYS Main Plaza 100 N. Main St. – Boerne Saturday 10:00am to 5:00pm Sunday 10:00am to 4:00pm Since 1850, Main Plaza has been a center point of trade for the people of Boerne. In the present day, on the second weekend of every month, Main Plaza is home to a magical outdoor market that blends the traditions of the Texas Hill Country with the creations of today’s culture. Hundreds of festive booths display everything from collectibles and remembrances of the past to modern innovations that will bring a smile of wonder to those who stroll past.
SEPTEMBER 15 GBCC RIBBON CUTTING FOR THE RETREAT HOME FOR CHILDREN 11:30am to 12:00pm 121 S Main St – Boerne LIVE! AT THE LIBRARY 7:00pm to 9:00pm Patrick Heath Public Library 451AmphitheaterN.Main–
The Hill Country band The Lone Star Swing Orchestra will be performing. | cont’d
11:0amSIGNINGto 1:00pm Patrick Heath Public Library 451 N. Main – Beorne The Second Saturday Author Signing for September features a mother/daughter duo! Donna Hoffmeyer wrote the book "Pandemic Parodies," and her daughter Bianca illustrated the book. This humorous book covers one family's way of dealing with the pandemic.
SEPTEMBER 10
SEPTEMBER 13 CITY COUNCIL MEETING 6:00pm to 8:00pm Livestream Meeting See ci.boerne.tx us for link to meeting
SECOND SATURDAY AUTHOR
CALENDAR OF EVENTS
SEPTEMBER 10 -11
CHARLIE RIDDLE Director of Commercial Real Estate Owner/Partner c. charlie@legacybrokergroup.com210.383.0007 MARK BUKOWSKI Director of Land and Owner/PartnerRanch c. mark@legacybrokergroup.com719.650.7012 SPECIALIZING IN FINE TEXAS PROPERTIES, COMMERCIAL, EXOTIC, RANCH & LUXURY THEREALONGARE NO TRAFFIC mile JAMS THE EXTRA LEGACYBROKERGROUP.COM Roger Staubach
SEPTEMBER 12 KENDALL 201Kendall9:00amCOMMISSIONER’SCOUNTYCOURTto11:00amCountyCourthouseE.SanAntonioAve.–Boerne
(830) 816-2288 | BoerneTexasHomes.com Bluebonnet Realty Since 1989 ANGELAASSOCIATETURNERBROKER(210)912-8221JUDYOWNER,FILINGERIREALTOR®(830)816-2288 CAREY(210)REALTORSTEWART®551-2883LYNELLE(830)REALTORBOYD®822-0688 Whether you are planning on buying, leasing, or sell ing a home, Bluebonnet has got you covered. It is our mission as a company to provide you with the best ser vice and not waste your time and money. We are a fullservice real estate company in Boerne that has been in business since 1989. There is so much to appreciate about the City of Boerne because everything you could possibly want from a small Texas city is right in front of you. Whatever it is that you love to do, Boerne has it all. Fabulous shopping, delectable dining, original art and wonderful entertainment - what more could you want? LOOKING FOR THE NEXT PLACE TO CALL HOME? Let Bluebonnet Realty help you find your very own piece of paradise. FOR SALE: $395,000 - 106 CHAPARRAL CREEK DR. SOLD! $339,000 - 112 HAMPTON WAY WOW! This 3 bedroom and 2.5 bath is ready for you to call it home. New roof, new carpet and vinyl flooring, new paint inside and out, and also a new oven. Large living room opens to kitchen/dining combo for easy entertaining. Easy access to down town Boerne and IH10. Close to Fabra Elementary and Boerne Middle School North.
FOR LEASE: 224 KATIE COURT – $1,950 3 bed, 2 bath, fenced yard. Located behind Nissan of Boerne close to IH-10. MORE HOMES AVAILABLE SOON! CONTACT US FOR DETAILS. 7437 PARASIO POINT – $1,950 Cute one story home, 4 bed, 2 baths, Boerne Schools, Near IH-10 for easy commute to SA. 106 BLUE RIDGE, COMFORT – $900 1 bedroom, 1 bath “tiny home.” 117 WHISPER WAY – $1,550 2 bedroom, 2 bath duplex. 148 MAGNOLIA CIRCLE – $3,100 3 bed, 2.5 bath, large open floor plan. New carpet and fresh paint. No yard maintenance!! No pets & non-smokers. LEASED! LEASED! 124 PHIL WILSON – $1,700 3 bedroom, 1 bath, Approx. 1590 square feet on 1/3 acre. Owner prefers no pets.
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After lots of hard work building her business, Forks opened a storefront in Boerne in 2003, creating custom, handmade jewelry as well as offering a “make it yourself” jewelry bar where customers could create their own designs. In 2007, the building where the store was located sold and Jenny opened a new location at The Rim in San Antonio, all the while building her online sales and getting her jewelry in multiple other retail stores across the country. Eventually, Jenny decided to take her business back home for a while, always hoping to get her business back to Boerne.
“In 2019 the perfect spot became available. The Sach’s Garage building right on Main Street was the perfect spot for J. Forks Designs to call home. We were one of the first to sign a lease in this renovated, historical building and were able to design and build out our boutique exactly as we had envisioned it,” said Forks. With the creation of the new retail space, Jenny was able to spread her wings and expand into a clothing boutique and lifestyle
16 B oerne B usiness M onthly | September 2022
JENNY FORKS Your Your by Lauren Stumberg photos by Melissa Lindsey Photography
Heart. Find
Strength.
Forks was able to pull herself, and her daughter Hallie, out of that situation, rising above her circumstances to defeat the odds.
Jenny Forks is many things; she is a jewelry maker, lifestyle brand and boutique owner, public speaker and author – but most of all she is an inspiration. Finding herself in a horrific situation, Jenny fought back and broke free, through strength that could only come from God. She now uses her story and her natural gifts of vigilance, bravery, self-reliance and discernment to encourage others.
J cover feature
|
According to Jenny, “I was a single mother, going to school and working two full time jobs. That wasn’t working. I began making jewelry and eventually was able to keep the evening job while I did home jewelry trunk shows to supplement my income.”
“I got pregnant with my daughter at 17,” said Forks, “I went through abuse, both mentally and physically, I was sexually assaulted, and on one particular night my life was almost taken.”
boernebusinessmonthly.com 17 brand. Forks’ daughter Hallie is the driving force behind the boutique. “The retail space was Hallie’s vision. I created this business for her over 20 years ago and now we get to do it together!”
Let’s not forget the graphic tees! Hallie is the lead graphic designer for J.Forks’ extensive graphic tee collection. They are constantly coming up with new, fun designs and what they have in-store is only a handful of the designs that are available. All of the t-shirt designs are available online and they can even be customized and printed on the t-shirt color or style of your choice. The website even offers the ability for locals to pick up their purchase in-store, no shipping required.
While based out of Boerne, J. Forks Designs can be found in 450 stores and six countries.
“Our production space outgrew our retail shop. We now have another location here in Boerne where we make all of our jewelry and print our continued on
page 18
Jenny’s husband, Cody, provides all of the leather work and custom leather tooling for the jewelry and accessories. Cody is also a graffiti artist and even incorporates his hand-drawn artwork in his one-of-a-kind leather creations.
The J.Forks Designs boutique is a southwest contemporary vibe, filled with Fork’s handmade jewelry, fashionable clothing and fun accessories all at a great price point. There are clothes for women, girls and even men. “We offer a little bit of everything. Whether you need something for a special occasion, to wear to a rodeo or just great everyday looks, we’ve got you covered. With the addition of our men’s clothes, we wanted to focus on the typical ‘Texas guy’. Think golfing, fishing and hunting, with a little bit of hipster Hawaiian thrown in for fun,” laughed Forks. J. Forks even has their own line of workout clothes called Warpony. “I design each piece and try them out in my own workouts. These pieces are high-quality workout gear at a fraction of the price of comparable brands.”
18 B oerne B usiness M onthly | September 2022 graphic tees. We currently have twelve employees and are proud to say that everything is made and shipped from right here in Boerne,” said Jenny. “I love being back in Boerne and being part of this community,” Forks added. “The retail space is of course a place to sell our jewelry and clothes, but it is also my platform. I love establishing those relationships with the custom ers and creating a space they feel welcome and can come hang out. There is nothing I love more than if someone just needs to come in and talk. I love to share my story and how God has gotten me through, even if I can just plant a little mustard seed.”
JFORKSDESIGNS.COMShopJENNYFORKS.COMupcomingengagements,speakingandthebookatOnlineat
continued from page 17
Learn more about Jenny, her
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In addition to her outreach through the retail space, Jenny is involved in several community programs as well. She is now on the Board of Directors for the Kendall County Women’s Shelter and active within the San Antonio Rape and Crisis Center, in hopes that through her past experiences she can help those in need. Jenny has such a passion for encouraging others that opportunities began arising for her to share her story with larger audiences. Now she speaks and inspires groups of all kinds to know that no situation is insurmountable, and anything is possible with the Lord. At these events, Jenny shares pieces of her story, carefully curated for each event for an evening of inspiration and hope. In addition to her public speaking, Forks has now written a book, Feet First, that will be available November 8th! “For more than a decade it has been on my heart to write about the incredible challenges and transformative moments that have shaped me into who I am today. I am so excited to be able to share this book with others and pray that it offers encouragement to those who read it,” she said.
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SEPTEMBER 17 BOERNE RETAILERS' STYLE SHOW AND SHOPPING EVENT 6:00pm to 9:00pm The Bevy Hotel | 101 Herff Rd – Boerne MUSIC IN THE CAVE - FALL 7:00EQUINOXpmto 9:00pm Cave Without A Name 325 Kreutzberg Rd. – Boerne Experience a unique musical experience down in the Queen's Throne Room. SEPTEMBER 20 GBCC RIBBON CUTTING FOR OPEN T.R.A.I.L. RANCH 11:30am to 12:00pm 28710 Boerne Stage Rd. – Boerne SEPTEMBER 21 GBCC RIBBON CUTTING FOR BOERNE LIFESTYLE 4:30pm to 5:00pm Fair Oaks Ranch Golf and Country Club 7900 Fair Oaks Pkwy SEPTEMBER 22 GBCC BOERNE AFTER 5 MIXER: HOSTED BY THE KENDALL COUNTY YOUTH AGRICULTURE AND EQUESTRIAN CENTER 5:00pm to 7:00pm 648 FM 289 – Comfort SEPTEMBER 24 BEERS & GEARS CAR SHOW All TusculumDay Brewing Co. 236 S. Main – Boerne All makes, models & years are welcome! BLUEGRASS JAM AT THE 10211:00amAGRICULTURALto1:00pmCityParkRoad – Boerne BOERNE BIERFEST 11:00am to 7:00pm The AgriCultural Museum 102 City Park Road – Boerne SEPTEMBER 27 CITY COUNCIL MEETING 6:00pm to 8:00pm Livestream Meeting See ci.boerne.tx us for link to meeting SEPTEMBER 30 MUSIC IN THE CAVE - BROADWAY 7:30pmBABES to 9:30pm Cave Without A Name 325 Kreutzberg Rd. – Boerne CALENDAR OF EVENTS | cont’d BBM
*These statements have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure, or prevent any disease.
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boernebusinessmonthly.com 21LET’S BE FRIENDS: FOLLOW US ON SOCIAL MEDIA! 1109 S. MAIN, STE. 101 – BOERNE, TEXAS (830) 431-3230 WEIGHT LOSS COACHING & PRODUCTS + NON-INTIMIDATING, FUN WORKOUTS! LOSING WEIGHT IS JUST THE BEGINNING! Give Us a Call – (830) 431-3230 TRACI@IDEALHEALTHBOERNE.COM BACK-TO-SCHOOL GROUP EXERCISE CLASSES: Mind & Stretch Tues/Thurs: 7am Mon/Wed: 5pm STRONG Tuesdays: Noon Fridays: 9:45am FIRST 3 FREE!CLASSES $60 MONTHLY MEMBERSHIP H H TOBACKYOUTIME! DON’T WAIT – START TODAY! means it’s I f you are ready to look and feel your best everyday, we can show you the steps to ensure your success. Mat Pilates Mondays & Wednesdays: Noon Tues/Thurs: 3pm
Day 1 Bags Day 1 Bags is a national nonprofit located right here in Boerne,Texas and they have been serving foster youth since 2016! Their mission is to provide brand new duffle bags and backpacks to foster youth so that they can use it as luggage instead of a trash bag when being removed from their homes or moving from shelter to shelter. Day 1 Bags is focused on #DignityNotTrash so that these youth can feel like they matter and have hope for their future. This month, Day 1 Bags finally hit their goal of distributing 100,000 bags to kids in need – which is INCREDIBLE! If you’d like to see their campaigns, donate or volunteer, check them out at day1bags.org or call (210) 865-6617!
Bunny Tales Ultrasound and Boutique’s 1 Year Anniversary Bunny Tales is an elective ultrasound studio and baby boutique located right here in Boerne! They offer 3D, 4D, HD ultrasounds, a live stream of your ultrasound for family members from all across the world, 8K photo enhancements, heartbeat animals, and special packages that can include all of the above! This bou tique studio also offers the SneakPeek gender DNA test, so you can find out the gender of your baby as early as 6 weeks into the pregnancy. Learn more at bunnytalesultrasound.com or call (940) 735-9116!
22 B oerne B usiness M onthly | September 2022 Maid in Texas Maid In Texas held a special ribbon cutting cer emony in honor of their grand-reopening and new owners! They offer residential and commercial regular maintenance cleaning and deep cleaning services. They understand that inviting a cleaner into your home is a big deal, which is why all Maid in Texas cleaners are carefully vetted and experi enced, professional, fully trained, and highly rated! Visit their website boernemaids.com, email them at boernemaids@gmail.com or call (830) 815-1900!
Healthy Treats 4U Healthy Treats 4U provides healthy snack and drink options via state-of-the-art vending machines at no cost or time from the business. It is a true “value-add” as customers and team members appreciate access to healthier snack and drink choices. If a business has high client traffic and/or a team of about 75 employ ees, a Healthy Treats vending machine will add cred ibility to the statement “we care about our people”. Give Kasandra a call at (469) 682-8280, email info@ healthytreatstx.com, or go to healthytreatstx.com for more information!
Chick-fil-A Leon Springs’ 1 Year Anniversary Chick-fil-A is about more than just selling chicken! Yes, they have some of the best chicken sand wiches in the world, but they also strive to be deeply rooted in the community in which they serve. The Leon Springs location has announced that they will be Platinum Sponsors for Boerne ISD this year which means when you go to any Boerne athletic game in the coming year, you will be able to get food from Chick-fil-A Leon Springs in the concession stands! To learn about Chickfil-A’s history, career opportunities, or to order online, go to chick-fil-a.com/locations/tx/leonsprings or visit at 24503 W I-10 – San Antonio.
Thirty Eight & Vine At Thirty Eight & Vine, you get to create your own wine experience. Whether you are coming in for your familiar favorite or wanting to try something new, you get to tailor your visit to your palette, without any pressure. Opened by Sam and Jennifer Demel, their love of wine grew from their experienc es on the west coast, and they felt the calling to bring that to the Hill Country.You have 40 wines to choose from, with pours ranging from 1 oz to 6 oz! They also offer a sparkling program and cellar selections. Check them out at www.thirtyeightandvine.com or stop by and visit them at 302 S. Main St. in Boerne.
Boerne ISD Ag Barn and Animal Science Center
Boerne ISD is excited to announce their partnership with The Kendall County Fair Association as the ag barn will now serve as Boerne ISD’s Ag Barn and Animal Science Center for all district students! This is a great positive step towards the future for Boerne ISD’s Agricultural Science classes, and 4-H and FFA chapters. The ag barn is located at the Kendall County Fairgrounds, 1307 River Rd. in Boerne. To read more about the new barn and center, go to bit. ly/3BMfx04. Congrats Boerne ISD on this great new addition, we can’t wait to see all the lives changed by the use of this beautiful barn for many years to come!
Greater Boerne ChamBer of CommerCe auGust uttinGs
New York Life - David Chandler and Minerva Flores
ribbon cuttings
At the heart of New York Life is a commitment to be there for their customers when they need themwhether that’s today or decades into the future. They have delivered on that promise for over 175 years by investing wisely, growing a portfolio of strategic businesses, and remaining true to their mission as a mutual company, accountable only to their customers, not to outside investors. If you would like an oppor tunity to see what makes New York Life different, with a truly personalized experience, please reach out to David Chandler at dchandler@ft.newyorklife. com or call (253) 414-8053. You can reach Minerva Flores at mflores@ft.newyorklife.com or by calling (210)-535-4762! Dance Fairies Dance Fairies is a nonprofit organization that col lects gently used and new dance wear, including costumes and shoes of all kinds, and donates them to aspiring dancers in need around the world! Since the beginning of their journey, 4 years ago, they have collected and re-distributed over 18,000 dance cos tumes and brought a glowing smile to the faces of more than 3,000 children across the world. Dance Fairies’ “reuse and reduce” efforts have a direct, positive impact on young aspiring dancers and the global landfills at the same time.To learn more about their organization and to get in contact, call Michelle at (210) 535-8822 or check out their website by going to dancefairies.org.
The Annie’s Apothecary staff concentrates fully on being the best resource to achieve optimal health and wellness through the art of compounding, nutri tional supplements, and patient education. They are a PCAB accredited compounding pharmacy that uses state-of-the-art technology with FDA approved ingredients to meet your doctor’s exact specifications.
Boerne ISD and Chick-fil-A Leon Springs Chick-fil-A Leon Springs has announced that they are a Platinum Sponsor for Boerne ISD, which means when you go to any home varsity football game in the coming year, you will be able to get food from Chick-fil-A Leon Springs in the concession stands! This will also be available at tournaments, tailgate parties and other select athletic events throughout the year. Chick-fil-A Leon Springs just celebrated their 1-year anniversary, and constantly strives to be deeply rooted in the community in which they serve. BISD is excited to bring in this partnership and offer a better variety of options at their games! To see the athletics schedule, or to learn more about BISD, check out their website at boerneisd.net/boerneisd. If you’d like to see their menu and order online, head to Chickfil-A’s website by going to chick-fil-a.com/locations/tx/ leon-springs. Get excited Boerne!!!
Happy Heart Pediatrics Grand Opening With the growth we’ve been experiencing here in Boerne, we’re excited for Happy Heart Pediatrics to be opening! They are dedicated to bringing quality general pediatrics and pediatric cardiology care to children in the Hill Country area. Dr. Riebel has a passion for cardiovascular fitness and nutrition to help guide children, young adults, and families into heart healthy lifestyles. Their office focuses on providing a welcoming environment for their patients and their families. They create individualized, goal oriented plans of care based on professional insight and foresight, medical expertise and genuine empathy. Their office is located at 34910 Interstate 10 W, Suite 501 and open Monday through Friday, 8am to 5pm, right here in Boerne! To learn more about their services or to set an appointment, check out their website at happyheartpediatrics.com or give them a call at (830) 484-6111. Congrats Happy Heart Pediatrics!
boernebusinessmonthly.com 23 HAUTE HAIR AUTE AIR PARTY PSHOP ARTY SHOP OPENING OPENING ARIEL FORREN & HOLLY KALLEMYN 210 792 3956 | 210 393 4659 103 E KRONKOSKY ST | BOERNE, TX WWW HAUTEAIRBOERNE COM WE'RE ADDING SOME MORE FUN TO OUR SAME GREAT DELIVERY, INSTALL AND SERVICE! EVENT SPACE, PARTY SUPPLIES, BALLOON KITS, HELIUM, GARLAND TO GO PICK UP, AND MORE! /HAUTEAIRBOERNE COM
Annie’s is a woman-owned business that opened in August 2007, with Dr. Leigh Ann Greenberg, RPh. Not all compounding pharmacies are created equal, but Annie’s Apothecary has the service, experience and expertise you can rely on. To learn more, check out their website anniesrx.com or call them at (830) 981-4774, their office is located at 211 S. Saunders St. #1 in Boerne. Happy Anniversary, Annie’s Apothecary!
We have been blessed to have you in our community for the last 15 years!
Annie’s Apothecary’s 15th Anniversary Annie’s Apothecary celebrated their 15 Year Anniversary with a special ribbon cutting ceremony!
The Kendall County Wild Game Dinner is one of the hill country’s most anticipated events – and for good reason! People come from near and far to experience everything this event has to offer. “Going into our 11th year we are still amazed at what a success this event is,” said Beca Short, founder of the KC Wild Game Dinner. “When we started this event all those years ago none of us had any idea what to expect. I enlisted the help of some of my friends and family who I know can cook, the food was phenomenal, the atmosphere was fun and laid back and everyone just had a really good time. With each year, this event just keeps getting better and we are all so excited to see what it has become, and more importantly we are very proud of the money it has raised over the years to help our local youth.”
“Last year we had approximately 2,500 people attend this event! Each and every one of them helped us to raise the funds to support our local kids through the purchase of their ticket, the raffles, live and silent auctions, participating in the games and supporting our vendors. We are truly grate ful for the outpouring of support from all of those who attend and keep making this event a success each year,” said Short.
And let’s not forget the incredible amount of people who are working tire lessly behind the scenes to make sure the Wild Game Dinner goes off without a hitch! “We have so many volunteers who help with everything from the cook teams, to parking, ticket sales, raffles, the auctions, set up, tear down and clean up and the list goes on,” added Lozano. “Our KCJLA Board of Directors are a big help, but beyond that we have volunteers from local organizations, businesses, and just kind members of the community who believe in our cause and want to lend a helping hand. We could not do it without all of their help!”
24 B oerne B usiness M onthly | September 2022 &food fun
Don’t Miss the Food & Fun of the 11 th Annual Kendall County Wild Game Dinner! Fun for the Whole Family!! Kendall County Youth Ag & Equestrian Center 648 FM 289 – Comfort, Texas saturday, october 15th Gates open at 4pm Food Starts at 5pm Tickets $25 at the gate • 20+ cook teams return • Live & silent auctions • raffle, games & drawings • vendors be sure to pick up your copy of the 2022 KC Wild Game Dinner magazine! T BBM
The Kendall County Wild Game Dinner became the premier fundraiser for the Kendall County Junior Livestock Association in 2021. According to Joe Lozano, President of KCJLA, “Our mis sions were aligned with both organizations being focused on serving the youth of Kendall County by promoting education and agriculture. By joining forces, we were able to streamline our efforts and increase the funds raised to provide more opportu nities to our local youth through scholar ships, educational programs and leadership camps.”Last year the Wild Game Dinner raised over $100,000 that was put towards schol arships, grants, the KCJLA annual stock show sale and more. In 2022, both groups awarded $49,500 in scholarships and $10,500 in grants to the 4-H judging teams and leadership camps.
boernebusinessmonthly.com 25 The Cottage Door FOLLOW US ON INSTAGRAM & FACEBOOK 103 E. Kronkosky – Boerne | (210) 570-5416 Book Online at www.thecottagedoor.info Buy a Package of 4 Chemical Peels* & Get the 5th FREE END OF SUMMER SPECIAL: *CHEMICAL PEELS TAYLORED TO YOUR SPECIFIC SKIN NEEDS | Offer Good Through 9/30/2022 A Boutique Skincare Spa Located in the Heart of Boerne Free 15 Minute Consultations Repair that SummerDamage!Sun Also Offering Facials, Plaxel Plasma Pen Fibroblasting, ProCell MicroChanneling, Microderm Abrasion, Zemits CoolRestore Cryo Body Slimming, Glo Therapeutics Skincare, Waxing & More!
Lost wages or lost profits: If you receive settlement in an employ ment-related lawsuit or for lost profits from your trade or business, that settlement is generally taxable. If receiving an employment-related settlement, the proceeds are generally treated as taxable wages subject to employment taxes. If receiving settlement from lost profits from your trade or business, the proceeds are generally taxable as business income and subject to self-employment tax.
Emotional distress or mental anguish: Proceeds received for emotional distress or mental anguish that are attributable to personal physical injury or physical sickness are non-taxable to the extent of any medical expenses paid related to the emotional distress or mental anguish, whether deducted or not.
26 B oerne B usiness M onthly | September 2022
Brock Vargas joined the ADKF family in 2022 as a Tax Manager and currently resides in San Angelo, Texas. Brock earned his bachelor’s in business administration with a major in Accounting and his Master of Professional Accountancy from Angelo State University in 2013. Brock is a Certified Public Accountant (CPA) and has been practicing since 2011. by Brock Vargas
Whether you anticipate a lawsuit, are in a pending lawsuit, or have received settlement or judgement in a case, it is important to consult your tax advisor to determine the tax implica tions involved before you file your tax return. For further guidance please contact ADKF and we would be glad to assist you.
The taxability of receipts or deductibility of payments is highly dependent on all the facts and circumstances in your case. There are many exceptions to the general treatment of the various settlement payments noted above.
Tax Implications of Settlements and Judgements
Have you or your business recently been involved in a lawsuit? If not, that could be a good thing. Win, lose, or settle, lawsuits can be time consuming and costly. However, if you have found yourself involved in litigation or arbitration, it is important to understand any potential tax implications that might arise from payment or receipt of a settlement or judgement.InternalRevenue Code (IRC) section 61 defines gross income as payments from any source, unless specifically excluded by another section of the IRC. It can be difficult to determine the deductibility of payments, taxability of receipts, or character (i.e. capital or ordinary) of the transaction arising from the outcome of the lawsuit.
H
taxes
Personal physical injury or physical sickness: The receipt of settlements for personal physical injuries or physical sickness are generally non-taxable to the extent that you did not claim the associated medical expenses on your tax return in prior years.
BBM
Loss-in-value of property: Property settlements related to loss in value of property are generally taxable to the extent that the settlement received exceeds the adjusted basis in the property.
ADKF is the largest, locally owned public accounting firm in San Antonio, Texas, with branch offices in Boerne and New Braunfels. We have been serving our community since 1991. We are a full-service CPA firm dedicated to providing a broad range of tax, audit, accounting, tax controversy, valuation, and consulting services with superior customer service to help our clients meet their goals and objectives.
A settlement or judgment payment may consist of multiple compo nents that have been specifically allocated by the parties involved, such as lost wages, emotional distress, and legal fees. Ultimately, the facts and circumstances surrounding your case will determine the taxability of receipts or deductibility of payments. When determining the report ing requirements of a settlement or judgement, your tax advisor will rely on the language found in underlying court documents, as well as the origin of the claim, to help determine the tax treatment and charac terization of transactions arising from the settlement or judgement. The following paragraphs highlight the different payments that might arise from a lawsuit and general tax implications of such payments:
boernebusinessmonthly.com 27 In life’s big decisions, we are with you all the way WWW.ADKF.COM Appointment booking available online at barbiesinboerne.com CUTS • COLOR • STYLING B BARBIE (210) 330-6676 KIMBERLY (210) 827-9310 BRITTANY (210) 632-5152 availablestylistspaceopportunityforgrowthduetowalk-inappointmentsandreferralsfromexistingstylists!boothrental CONTACT BARBIE AT (210) 330-6676 FOR MORE INFORMATION PROFESSIONAL PROPERTY MANAGEMENT & FULL SERVICE REAL ESTATE CO. We Care About the Properties We Manage! • Single Family Homes • Condominiums • Commercial Property • Community HOA’s Quality Maintenance | Competitive Rates | Proven Track Record Call for More Info: (210) 535-1355 ed@homesweethomeboerne.com www.homesweethomeboerne.com From Boerne to San Antonio
Decide Once Start Small Ask the Magic Question
Kendra Adachi defines a lazy genius as someone who is lazy about the things that don’t matter and a genius about the things that do. What is that supposed to mean? In this detailed book, Kendra walks us through 13 simple principles for creating a meaningful life that isn’t distracted by to-do lists and overly ambitious ideas about what our kid’s lunches should look like or what our closet says about us. With her direct sense of humor, she was able to see right through to my soul and call me out on the ridicu lous pressure that I inadvertently put on myself to “do it all.”
Find this book and more at The Boerne Bookshop 153 S. Main – Boerne | (830)249-0000
The Lazy Genius Way
A New
Kendra Adachi, the creator of the Lazy Genius movement, invites you to live well by your own definition. It’s not all lazy or all genius. You get to choose somewhere in between. If you engage in every area of your life without thinking about what matters to you (and what needs to move along), you’ll eventually find yourself at a crossroads – run yourself ragged caring about everything or give up and care about nothing.
The Lazy Genius Way will help you reevaluate your everyday sys tems. The smallest decisions that you make daily can be overhauled to eliminate decision fatigue and help your life run smoother. Here are her 13 principles.
book review
Live In The Season Build The Right Routines Set House Rules Put Everything in Order Let People In Batch GoEssentializeItInTheRight Order Schedule Rest Be Kind To Yourself Kendra emphasizes how important it is to name what matters to you, in almost every one of her principles, you will need to start with naming what matters. Everything matters because we all matter and different things matter to each of us. Name what matters to you. That’s all that counts. I highly recommend this book to anyone who is trying to simplify their days, gain focus, prioritize their tasks or to someone who simply enjoys reevaluating systems. The Lazy Genius Way is Kendraremarkable.Adachi followed up her debut book with The Lazy Genius Kitchen, about how to apply these principles to the busiest room in the house. It is every bit as helpful as her first book. by Kendra Adachi York Times Bestseller by Adrianne Carnes BBM
28 B oerne B usiness M onthly | September 2022 K
The fifth annual Boerne BierFest will take place Saturday, September 24 from 11am to 7pm at Boerne’s historic The AgriCultural Museum and Arts Center. Your ticket lets you choose 10 samples in a commemorative sampling stein from more than 30 of the best craft breweries in Texas. Boerne BierFest will also serve up live entertainment, games, and fun to keep you entertained all afternoon! In addition to your ticket and Craft Beer tasting, your entry includes art demonstrations, live music, free participation in the stein hoist competition and keg toss, an oppor tunity to see and purchase art from professional artists from all over Texas, and much more. Additional tasting tickets will be available for purchase at the event. Under 21 free with paid adult. However, please keep in mind that the event has been designed for adults.
The Boerne BierFest is a charity event sponsored by Hill Country Council for the Arts. All proceeds benefit The Arts in the Texas Hill Country. Tickets are $30 in advance, or $35 at the door. Visit hccarts.org/bierfest to purchase tickets or for more info! BBM
Ashlee Pfeiffer Escrow Officer ashlee@kcac.net Bierfest
Our goal at Kendall County Abstract Company is to be the premier title company in Kendall County. We provide real estate closing services and title insurance to both individuals and businesses. All work and research is done in-house at our office. When you have questions and are looking for high quality, we are ready to serve your needs.
boernebusinessmonthly.com 29 “Where experience and service make the difference” Serving the Texas Hill Country Since 1916 Instant Estimates. Easier Than Ever. From Title Quotes, to Seller Net Sheets and Buyer Estimates. Visit KCAC.net to DOWNLOAD MOBILE APP 103 N. Saunders St. – Boerne (830) 816.2131
the arts5th Annual Boerne
Live Music • Games • Beer • Art
30 B oerne B usiness M onthly | September 2022 M
afor causegood
All proceeds raised benefit the Kendall County Womens Shelter, to provide safe, emergency shelter in a supportive environment where Texas Hill Country victims of domestic violence and their children can begin the healing process and receive the support services they need to build newHerelives.are
Mark your calenders for Saturday, September 17th – this year’s date for the Boerne Retailers’ Style Show and Shopping Event! This event is one of the best ladies’ nights of the year. There will be a fashion show, boutique shopping, appetizers, cocktails and a raffle!
An Evening with a Cause
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some of the retailers who will be featured at this year’s event: Joli HandmadeBoutiqueon Main, Boerne Fabulous Finds by KCWS Gallery 195 J. TheLaForksTeDaPearl Antler UnderPixie the Fig Tree Traditions at the Depot Wheeler’s Western Outfitters & Boutique Wonderland Factory These local retailers have opened their businesses to provide our community with a unique experience of fun and fashion benefiting a great cause. They want to share their passion for serving the community with everyone through this amazing event. This is a night you won’t want to miss! Saturday, September 17th, 2022 6:00pm The Bevy Hotel benefitting the Kendall County Women’s Shelter boerneretailersstyleandshop.comTicketsonSaleNow!
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boernebusinessmonthly.com 31 TEXT (210) 404-7645 TO BOOK APPOINTMENTYOUR OR LEARN MORE ABOUT THE BENEFITS OF DERMAL FILLERS! Megan Joyner crna + injector white - glove aesthetic services mobile medspa: private parties or concierge service available follow us on social media for our monthly pop-up spots too! @ pout meganelizabeth As we age, our faces naturally lose subcutaneous fat. The facial muscles are then working closer to the skin surface, leaving lines, creases and wrinkles to become more apparent. Our dermal fillers contain hyaluronic acid - a naturally occuring polysaccharide that is present in skin and cartilage - which will diminish facial lines and restore volume and fullness. 112 Herff Road, Suite 320, Boerne, TX 78006 At PVA, Our highly-specialized team of experts are the leaders in leg circulation care since 1975. Schedule a circulation evaluation You are at risk for Peripheral Artery Disease if you have: EverDiabetessmoked High blood pressure or high cholesterol Kidney disease or dialysis Heart disease Learn more PVA satx . com 210.614.7414 Obesity; Decreased ability to walk or be active DO YOU HAVE LEG PAIN? Leg pain, cramping, skin discoloration, and non-healing wounds could be a sign of Peripheral Artery Disease (PAD). PAD is a common condition that results in poor blood flow throughout your body. If left untreated, PAD can be limb or life threatening. September is Peripheral Artery Disease Awareness Month
WWW.BALLROOMBATHS.COM | (830) 755-6444 24 Years in Business 10 Years in Texas Luxury Bath & RemodelingKitchen Visit Us Online for More Before/Afters & Client Testimonials MAKE YOUR HOME AN EXPERIENCE! Before After Trenton treats you like his only customer. We had two bathrooms remodeled and are very happy with the results. He and his crew were great to work with during the renovation process. – Stacey H. HHHHH Offer ends ends October 15th. 15% OFF YOUR FULLREMODELKITCHEN Call Soon! We only have room for ONE more kitchen remodel in 2022.
