Boerne Business Monthly – December 2020

Volume 13, Issue 06: December 2020

Celebrating

THE MAKING OF A CUSTOM CAVE

Years!

MANAGING HOLIDAY STRESS

LOCAL NEWS AND INFO

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Merry Christmas Christmas time is here! While the holiday may be a little different this year, there is still plenty to do and much joy to be had. Check out our Calendar of Events to see all of the fun outdoor markets and events that will be happening this December! Be sure not to miss the “Home for the Holiday” weekends as well. Learn more about that on page 28.

Our cover feature this month is Billy’s Western Wear. How amazing is it that they are celebrating 40 years in business!

Check out the article starting on page 16 and read all about the Bishop family and the story of Billy’s Western Wear.

We have lot of other great articles on year-end tax planning for small businesses, financial insights from Karl Eggerss with Covenant and not to miss is the article on the custom cave being built by Bacchus Caves right here in Boerne!

Thanks for reading this issue of BBM! I hope each of you has a blessed holiday season!

Lauren Stumberg Owner/Publisher

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B oerne B usiness M onthly | December 2020

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December 2020

contents 08 BARRETT HOUSER INSURANCE PRODUCER

SERVING THE INSURANCE NEEDS OF THE HILL COUNTRY & SOUTH TEXAS

(210) 364-6184 HOME – AUTO – LIFE – FARM & RANCH – COASTAL BUSINESS – BENEFITS – BONDS & MORE

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08: feature

The Making of a Custom Cave

10: calendar 14: ribbon cuttings 16: cover feature

Billy’s Western Wear Celebrating 40 Years in Business!

20: giving back

The GVTC Foundation’s Thanksgiving Giveback Project Delivers 427 Meals this Year!

23: finances

It Wasn’t About the Election

by Karl Eggerss, Senior Wealth Advisor – Covenant, a Registered Investment Advisor

24: taxes

Year-end Tax Planning for Small Business Owners

211 S. Saunders St. Boerne, TX 78006 Hormone & Food Sensitivity Testing Pharmaceutical Grade Supplements Prescription Compounding

AnniesRx.com 830-981-4774 Merry Christmas from Kendall County's ONLY accredited compounding pharmacy

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B oerne B usiness M onthly | December 2020

by Eric McGraw, CPA, Senior Tax Manager – ADKF

27: health

How to Manage Being Stressed & Depressed During the Holidays

by Dr. Leigh Ann Greenberg, RPh – Annie’s Apothecary

28: shopping

Don’t Forget to Shop Local This Holiday Season

30: newsworthy

Sonora Bank Appoints Bridget Carr and Lindsay Cranek to Board of Directors

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

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feature

H

the making of a custom cave How cool would it be to have your very own cave? Have you ever thought of having an underground getaway that acts as an extension of your home or business? What would you use the space for? Maybe a wine cellar or the ultimate home theater, or how about a spa-like retreat or even an amazing home gym? “The possibilities are endless and limited only by your imagination,” said David Provost, owner of Bacchus Caves. “We have even had people approach us about underground tennis courts and bowling alleys.”

Currently, Provost and his team are in the works of constructing an approximately 4,200 square foot cave for a local Boerne couple. The cave will include a dining/entertaining area, multiple lounge spaces, a kitchenette and full bathroom as well as a home gym and storage areas.

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B oerne B usiness M onthly | December 2020

“This particular project is expected to be about a year long process. Each project differs depending on the size, the geology, etc. There are a lot of different factors that go into each cave and they are all unique,” Provost added.

According to David, “If someone wants their very own custom cave, we do whatever we can to make it work. There have been very few instances that we have come across in which we just couldn’t make it happen.”

So once it has been determined where the cave will go and how the client would like the space to function, construction can begin. “The current Boerne Cave project has all been cut out using a cutter head mounted on an excavator.

Many caves require blasting, but that all just depends on the geology of the site,” said Provost. As you can imagine, a 4,200 square foot underground structure would result in a lot of displaced dirt. To date, Bacchus and his team estimate that they have removed approximately 2,000-cubic-yards of dirt.

Once the digging has begun, the Bacchus team tries to work as many areas at the same time as they can, starting with the main run of the cave and then progressing to the off shoots. To secure the walls of the cave, high strength wire mesh is installed and covered with layers of shotcrete, which is sprayed concrete

the boerne cave layout

About Bacchus Caves: Bacchus Caves has been creating subterranean getaways for clients all over America since 1997. A veteran of the mining industry for over two decades, founder David Provost is known for his expertise, energy and straight-shooting attitude and uncompromising commitment to doing a job well. Working with him is a team that has earned a reputation for its innovative excavation methods, exceptional workmanship and onsite professionalism. The Bacchus Caves team truly believes that “anything is possible underground!” BBM

CHECKOUT MORE OF BACCHUS CAVES AMAZING PROJECTS ONLINE AT BACCHUSCAVES.COM

that is projected at a high velocity onto the surface. “The process of building something underground is more difficult than above the ground. Everything depends on the ground itself as to what the final outcome will be. The more the owners are involved, the more successful the project will be. When building a cave, it is important for the clients to be flexible. For example, if you hit bad ground along the way, it may be better to stop digging in that direction and go a different way in order to keep the costs down.

Ultimately, you don’t want to fight the ground.”

Bacchus Caves also works a lot with the clients’ personal architects, general contractors and interior designers in order to achieve the desired vision for each project. Just as in a custom home, there are so many different finishing touches that can truly customize each individual cave.

Can’t wait to see the finished Boerne Cave?

Be on the lookout for our upcoming feature on the local project once it is complete! boernebusinessmonthly.com

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Calendar of Events ALL MONTH LONG CHRISTMAS ON THE RANCH 6:00pm to 10:00 Nightly Drive-in Movies Friday - Sunday, 7:00pm & 9:00pm Don Strange Ranch 103 Waring Welfare Road – Boerne It’s back and better than before! The 7th Annual Don Strange and Christmas Lights Spectacular!

Join them for a month-long celebration of family, friends, and neighbors with BRAND NEW displays, interactive carriage and hayrides, food galore, and Christmas shopping all in one place! Christmas on the Ranch hosts Santa every night and has bragging rights to over 4 MILLION dazzling lights, dozens of movable displays, and family fun for the whole Christmas season! christmas.donstrangeranch.com OLD WEST CHRISTMAS LIGHT FEST 6:00pm to 10:00pm Thursday thru Saturday 6:00pm to10:00pm, Sunday 6:00 to 9:00pm

Enchanted Springs Ranch 242 State Hwy 46 W. – Boerne Old West Christmas Light Fest dazzles and delights with holiday flavors, favorites, and fun at Enchanted Springs Ranch for another year of Christmas magic in Boerne! Stroll through millions of twinkling lights in an Old West town, snap holiday photos, and spend time together with friends and family. Savor local food, support local business, and enjoy family activities like visiting with Santa! And be sure to bring your camera because there’s never a charge for photos with the man in the big red suit!

Visit the website for more information and event updates – christmaslightfest.com EVERY THURSDAY GUADALUPE RIVER MARKET 4:00pm to 8:00pm | Tusculum Brewing Co. 236 S. Main Street – Boerne Shop from local vendors for baked goods, body products, and more!

DECEMBER 1 GBCC RIBBON CUTTING FOR APEX GARAGE DOORS 11:30am to 12:00pm Boerne Chamber of Commerce 121 S. Main St. – Boerne GBCC RIBBON CUTTING FOR BOERNE COMMUNITY THEATRE 1:30pm to 2:00pm | 907 E. Blanco Rd. – Boerne DECEMBER 3 GBCC RIBBON CUTTING FOR AMBLESIDE SCHOOL OF BOERNE 1:30pm to 2:00pm | 210 Turner Ave – Boerne DECEMBER 8 CITY COUNCIL MEETING 6:00pm to 8:00pm | Livestream Meeting See ci.boerne.tx us for link to meeting. continued on page 22

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B oerne B usiness M onthly | December 2020

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ribbon cuttings

Greater Boerne Chamber of Commerce November 2020 Ribbon Cuttings

Trio Marketing We celebrated Trio Marketing live and officially welcomed them into the Chamber!

Trio Marketing is an agency which specializes in digital and inbound marketing strategy and execution for small to mid-size businesses and non-profits. Trio likes to embrace their love for digital marketing and passion for helping small business owners and talented entrepreneurs grow their business, build stronger brands and gain more relevant customers. For more information about Trio Marketing go to marketingtrio. com or give Courtney Velek a call at (713) 301-6514.

Parker & Sons Plumbing LLC We officially welcomed Parker & Sons Plumbing into our Boerne Chamber with a special ribbon cutting ceremony! Parker & Sons Plumbing provides all types of residential and commercial plumbing repair and drain cleaning services. Weather its a slab leak, water heater, drain or sewer, faucet repairs, etc. Parker & Sons have you covered 24/7! In need of some plumbing repairs?

Give Parker & Sons Plumbing a call today by calling 210-236-9838 and visiting their website parkerandsonsplumbing.com.

JDB Public Relations We were lucky enough to get to celebrate the 5 Year Anniversary of JDB Pubic Relation with a ribbon cutting ceremony! JDB Public Relations helps bring critical and creative thinking to their clients by offering fresh and compelling deliverables, allowing for greater customer engagement and loyalty-driven experiences. Want your story told? Go to the JDB Public Relations website jdbpr.com or call (361) 290-3257 to learn more today!

Congrats & Happy Anniversary, Jessica!

Pediatrics of Boerne The Chamber celebrated the opening of Pediatrics Of Boerne with a ribbon cutting ceremony! Pediatrics of Boerne strives to create healthy families, starting with healthy children.

They are a boutique, private, pediatric practice committed to providing exceptional medical care to children in our community.Their goal is to restore the beauty of a "small town doctor" while offering the conveniences of modern medicine. Pediatrics of Boerne looks forward to providing the best, personalized medical care for your family! Their clinic is located at 138 Old San Antonio Rd Ste 101. You can make a reservation by calling them at (830) 355-2343 or online at pediatricsofboerne.com. Congrats Pediatrics of Boerne!

DeSilva Dermatology Welcomes Dr. Holly Volz We were able to celebrate and welcome Dr. Holly Volz to DeSilva Dermatology with a ribbon cutting ceremony! Dr. Holly Volz, a San Antonio native, is a Phi Beta Kappa graduate of Baylor University. She earned her medical degree from the University of Texas Health Science Center at San Antonio where she achieved membership in AOA Honor Medical Society. She is a Board Certified dermatologist, and specializes in medical, surgical, and cosmetic dermatology. Dr. DeSilva has practiced medical, surgical, and cosmetic dermatology in Boerne and San Antonio since 2000. Make an appointment by calling 830-331-4150 or visiting desilvaderm.com! They are located at 120 Old San Antonio Road in Boerne.

Journey Homes at Regent Park We celebrated and welcomed Journey Homes into our Chamber officially with a ribbon cutting ceremony! Journey Homes has a new model home in the Regent Park Neighborhood open to the public to stop by and tour. Regent Park is a beautiful community only minutes from Historic downtown Boerne, in the scenic Texas Hill Country.Your home is an expression of you and Journey Homes can help design a home that is built for whatever stage of life you’re in and fits you perfectly. Want to learn more? Stop by their Model home in Regent Park located at 120 Kingston Ct. or call (830) 312-0303.

You can also find more information about Journey Homes by visiting their website journeyhomes.us.

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B oerne B usiness M onthly | December 2020

Boerne Police Foundation We had the honor to celebrate the 6th Anniversary of the Boerne Police Foundation with a ribbon cutting ceremony! The Boerne Police Foundation is a nonprofit 501(c)(3) corporation formed to facilitate donations of money and resources for education, training, equipment, etc. which are used to benefit local law enforcement officers and their families. You can help donate or learn more by going to their website boernepolicefoundation.com/! For more information on the Boerne Police Foundation, you can call Rey de la Fuente at (409) 656-9125.

Amber’s Closet Resale Boutique We had a great time getting to celebrate the grand opening of Amber’s Closet Resale Boutique with a ribbon cutting! Amber’s Closet is a Resale Boutique located in Olde Town in Boerne, Texas. They started this business to help out their Autistic daughter, Amber, to learn a job and to be successful in her future. Amber’s Closet takes both donations and consignment. Please support Amber by stopping by in store at 233 South Main St., Suite D or follow them on facebook facebook.com/texasambercloset. You can call Amber’s Closet Resale Boutique at (210) 859-4515.

The Loft by BH Originals The Chamber had the honor to celebrate the grand opening of The Loft by BH Originals with a ribbon cutting ceremony! The Loft by BH Originals invites you to reimagine the art world. They are changing the status quo. A piece of art should speak to you the way piece of music does; no explanation needed. Come in and find a laid-back environment where you can enjoy music and a drink while you explore.

BH Originals believes in real art for real people.

Didn't find a photo that fits you? Brandi also offers commission pieces that will! Stop by today at 470 S. Main St. Suite 4 or check her works out online at bhoriginals.com!

Faith & Funky Junk We celebrated the opening of Faith & Funky Junk with a special ribbon cutting ceremony!

Faith & Funky Junk provides programs which bring essential funds, services and referrals directly to individuals, families and their pets in need. If you are looking for some cute but affordable clothing, shoes, decorations, furniture, Holiday décor and more you have found your place! Stop by 39320 IH-10 West to check out their huge selection of items here at Faith & Funky Junk! Be sure to like and follow them on facebook at facebook. com/pages/category/Charity-Organization/ Faith-Funky-Junk

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AWARD WINNERS!

Renee Campbell Tiffany Joslin (210) 394-4399 (210) 542-0148

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Hope for Heroes Boerne We were excited to welcome Hope for Heroes Boerne into the Chamber officially with this great group! Hope for Heroes is committed to the first responders in our communities who selflessly dedicate their lives to protecting ours. Hope for Heroes gives back to those who give their all by providing a wonderful trip to Boerne as a way to say “Thank You”. If you know any first responders who deserves a great opportunity like this, have a business who would like to support a local first responder or donate, please contact Brad Cornell at brad@hopeforheroesboerne.org. To learn more go to their website hopeforheroesboerne.org! boernebusinessmonthly.com

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cover feature

T

CELEBRATING 40 YEARS OF PROVIDING QUALITY WESTERN WEAR TO THE TEXAS HILL COUNTRY!

This December marks 40 years that Billy’s Western Wear has been outfitting the Texas hill country in the latest western fashions, and through those years the store has become synonymous with quality western wear and accessories.

While you may be familiar with the stores, have you ever wondered who the “Billy” behind Billy’s Western Wear is? Well, it’s not just Billy that is the driving force behind the stores, but rather the Bishop family! And the story behind the stores’ 40 years is actually a lot more than meets the eye. The Billy’s Western Wear tale is in fact a good old fashioned love story: love of God, love of their country, love of each other and love and service to their fellow man.

Billy Bishop and his wife Sarah are both native

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B oerne B usiness M onthly | December 2020

Texans and currently live in Boerne. Born in 1926, Billy will be 95 this upcoming January 2021. He grew up on his parents’ dairy farm where he remembers helping out by delivering milk. Sarah’s parents were farmers and she was the seventh of eight children, born in 1938.

Both Billy and Sarah had to work very hard to help their families growing up. It was a hard life for both of them.

After Billy’s 16th birthday, his father died, leaving his mom with two sons. Sarah’s mother died when she was just five years old. These absences left both families with huge struggles just to make ends meet. “I recall having to walk to school without any shoes and being made fun of because our family was so poor,” said Sarah, “Perhaps that’s one of the reasons our stores carry so many boots continued on page 18

Pictured (Left to Right): Top Row | Christina White, Debbie White, Greg White, Billy Bishop, Sarah Bishop, Kayla Nickell, Jeffrey Nickell Bottom Row | Kayleigh White, Emily Nickell, Katelyn Nickell, Ethan Nickell, Joshua Nickell

boernebusinessmonthly.com

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growing something. Although Sarah had to work to help her family, she knows it helped her to learn the value of hard work and reward. She remembers picking cotton at a very young age. When her father would take the cotton to be weighed and then paid, he would always give her a little bit of money by the amount she picked. “I have always valued the work ethics my father taught me,” said Sarah. After moving from home, Sarah moved in with her sister. She got a job at a garment factory for several years. She was such a hard worker that they moved her to the office to process payroll.

Billy & Sarah met in church. They courted and knew they were meant to be together. It was truly a God-designed marriage and they were married in 1956. The two will celebrate their 65th wedding anniversary this coming February!

While Billy worked at Kelly Air Force Base, Sarah went to school and completed her education and attended San Antonio College, Texas A & M, and International Bible College. Sarah worked her full-time job and took a part-time job as a file clerk at a large food & department store. Little did she know, this would be the opportunity that would change her and Billy’s lives, as well as the lives of their future family. It didn’t take long and Sarah was soon hired on full time and began working her way up. With lots of hard work, sacrifices and many promotions, she was eventually promoted to the Senior Store Manager. This was a distinguishing honor, making history within the company that had over 45 stores throughout the United States. She was the first female to become a Store Manager within that organization.

The collection of their life experiences eventually led them opening a western wear store. The dream had grown from their love of the land they had grown up on and the farm animals that had been such a large part of their lives. “Growing up in the country, Billy and I had been poor, but rich in a heritage of the country life,” said Sarah. continued from page 16

and shoes in all sizes and price ranges!”

At age 18 Billy was drafted into the Army and served one and a half years in the “Wolf Division” 1st infantry in World War II. According to Billy, “Many of my fellow service men didn’t make it back home to their families. I was always very appreciative for my mother’s prayers. At a young age I developed a great love for my country, for the men and women who enlisted, and the people of our great nation.” After his return from WWII, Billy joined the reserves and was called once again and served in the Korean War as well. After the war, Billy then started working as a civil servant at Kelly Air Force Base in San Antonio, Texas and retired in 1980 after serving faithfully for 36 years!

At age 16, Sarah had to quit school to help support her family, as was expected at that time.

She remembers her father was always planting and

During the Month of December, Join Billy’s for Their 40th Year in Business Celebration!

In the spirit of the Billy’s family and to celebrate the customer’s that have been so kind as to patronize their stores, Billy’s will be giving away thousands of dollars in prizes! Stop by, register, and see the long list of items to be given away on Monday, January 4th, 2021.

Along with their great customer service and prizes, they will be having a lot of awesome sales with many other surprises coming up this next year.

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B oerne B usiness M onthly | December 2020

So in 1980, Billy and Sarah, along with their teenage daughter Deborah, opened their first Billy’s Western Wear store. The store was a small 600-square-foot “hat shop” in the old McCreless Mall in San Antonio. As they saved up some money, they eventually opened up a boot shop there too. Over the course of the next 12 years, the Bishops opened six larger western wear stores, several kiosks and purchased a distribution center, all of which were located throughout San Antonio.

Billy’s Western Wear opened their first store in Boerne in 1997 in a strip center. Soon after, they opened an even larger 4,365-square-foot store in Kerrville. In 2002, Billy & Sarah purchased 0.9 acres on S. Main Street in Boerne where the first 9,000-square-foot Billy’s Western Wear debuted in 2005. At that time, they moved their offices and distribution center from San Antonio to Boerne.

Having designed over six retail locations in San Antonio, it was Sarah’s dream to have the opportunity to design both the Boerne & Kerrville stores. The Kerrville store debuted in 2008 and Sarah’s designs even won the prized award of “Kerrville’s Beautification” city award in 2016.

Along the way, Billy and Sarah have received many distinguishing awards.

Some of which are being nominated Business of the Year 2012, Best Western Wear, Best Retail Shop, Best Home Décor and Best Looking Business. Sarah has been a guest speaker at hundreds of events and churches and has been nominated Businesswoman of the Year! In 2019 Sarah was named with the Trademark Woman of Distinction Award. Billy’s Western Wear is also recognized by many top vendors as their number one account!

So what do both Billy and Sarah attribute to their success?

According to the Bishops, “First and foremost we credit our faith in God, along with serving and giving to our church, local charities and nonprofit organizations.” In addition, Sarah’s years in management, Billy’s faithfulness in business, their many great employees and finally their multi-generational family that has been working along side of them for these 40 years are all things that have lead to the success of Billy’s Western Wear!

These days, the business is run by a whole team of family members. Billy has since retired, but Sarah is still the CEO and works 45-50 hours every week. The Bishop’s only daughter, Deborah White, grew up in the business and has always been a part of the store operations. Deborah recalls as a teen witnessing her parents’ dream coming to life. “It was a total act of faith,” she recalls. “They had no money, no resources, but just a dream, much prayer and a whole lot of hard work. I witnessed first hand the incredible sacrifices my parents made while building this business.” Deborah’s current role is the Vice President of Administration, and while she has done it all, she has currently settled into the accounting side of the business. In addition, she is still a buyer and does just about anything else needed within the business.

Deborah met her husband, Greg White, in college and he began working part time at Billy’s. After they graduated, they were married in 1988 and Greg joined the team full time. Through many years of working his way up through the organization, Greg

now serves as the Vice President of Retail Operations and has been with the company for 32 years! Greg and Deborah have two daughters and a son-in-law, all who work in various roles within the company. “Billy and Sarah have five great grandchildren under the age of six. We can only imagine the excitement of adding to the family business one day,” added Greg.

The Bishop family is very thankful to all of their customers that have supported them through the years and encourage those that have never been to Billy’s Western Wear to stop in! According to White, “The Billy’s team attends every market to ensure they stay in front of the western wear trends and fashion styles. They strive to offer all the newest styles, while keeping the classics. Billy’s offers the widest selections and styles of western wear merchandise in the hill country!” They have thousands of boots, hats, clothing and accessories for every member of the family and for every budget. Billy’s ecommerce site has customers from all over the United States and even countries abroad.

As Billy’s Western Wear celebrates their 40th year, the stores have evolved through the years, but some things have remained the same since day one. Billy, Sarah, and their family share the same commitment to offering quality merchandise at affordable prices, excellent customer service and a genuine love for God, country and the customers and communities they serve!BBM

Billy’s Western Wear: Boerne Billy’s Western Wear: Kerrville 1490 S. Main Street 1731 Sidney Baker (830) 249-3843 (830) 257-0505 Both Stores are Open Monday – Friday 10am to 9pm, Saturday 9am to 9pm, Sunday Noon to 6pm

SHOP ONLINE AT BILLYSWESTERNWEAR.COM boernebusinessmonthly.com

19

giving back

The GVTC Foundation’s Thanksgiving Giveback Project Delivers 427 Meals this Year!

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Here at GVTC, we are so thankful that we could hold our Thanksgiving Giveback for the 8th consecutive year amid the pandemic. Though our process was changed this year with social distancing, PPE, and contactless deliveries, we were so excited to give back to our community again, especially with the hard times COVID-19 has brought to so many families.

The GVTC Foundation, GVTC’s employee-driven philanthropic arm, has dedicated its time each fall to partner with local nonprofits and youth organizations to bridge the local food gap. We host an annual Thanksgiving Giveback Project where we supply Thanksgiving meals, including a full frozen turkey and all the traditional fixings, to those in need. By teaming up with local food pantries, The GVTC Foundation is able to identify families truly in need within the GVTC service area, which encompasses all of Boerne, Canyon Lake, Bulverde, Spring Branch, Blanco, and Gonzales.

LOCAL NONPROFITS PARTNER This project would not have been possible without the continuous support we receive from GVTC employee volunteers, local groups, and donors each year. First, The GVTC Foundation partners with local food pantries who supply the family names of those we deliver to. Then, we work with local organizations, including school groups, churches,

and businesses, from September to November to raise food items and monetary donations needed for each Thanksgiving meal. And last, our GVTC employee volunteers personally pack and deliver all meals to needing families. This year, we partnered with nine food pantries and 20 local organizations for this Thanksgiving Giveback Project.

We were very fortunate to have had some of our donations come from large corporations. We are so appreciative and honored by their support.

Their graciousness allowed us to feed more families than we ever have before. A tremendous THANK YOU to: • H-E-B and their corporate office for the INCREDIBLE donation of 400 turkeys!

• Bimbo Bakeries who donated 400 loaves of bread!

• Brookshire Brothers Canyon Lake who provided cooked Thanksgiving meals for our Meals on Wheels recipients.

LOCAL FOOD PANTRIES INCLUDED: Hope Center Habitat for Safe Seniors Helping Hands CRRC of Canyon Lake Hill Country Daily Bread Ministries Provisions Outreach of Bulverde

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

COMMERCIAL ~ RANCHES ~ RESIDENTIAL PROPERTIES 20

B oerne B usiness M onthly | December 2020

Meals on Wheels (Bulverde Spring Branch Food Pantry) Blanco Good Samaritan Center Gonzales Christian Assistance Ministries Hill Country Family Services ORGANIZATIONS INCLUDED: Bill Brown Elementary Student Council Bimbo Bakeries Boerne Community Theatre Boerne YMCA Boerne ISD/Boerne Education Foundation Brookshire Brothers Canyon Lake High School Student Council Comal County Senior Citizens Foundation Communities in Schools Gloria Deo Academy Gonzales High School Anchor Club Gonzales High School FCCLA Gonzales High School Leos Club Gonzales High School NHS H-E-B H.I.S. Centre Living Rock Academy Lewis Family Rainbow Senior Center Shepherd of the Hills (S.W.A.T.) Sonora Bank STEPS of New Braunfels/ Faith Alive Church Tejas Teens WHO BENEFITS FROM THE THANKSGIVING GIVEBACK PROJECT Last year, The GVTC Foundation delivered 314 meals to families in need. And this year going back to our partners’ record-breaking pledges - we exceeded that 2019 record by providing 427 Thanksgiving meals, delivered by over 81 GVTC employees, volunteers, and their families.

Since its creation in 2013, the Thanksgiving Giveback Project has helped benefit 1,640 families in these great local organizations.

We appreciate all the support from our #GVTCTeam and want all customers and donors to know we would not be where we are today without YOU! If you wish to learn more about The GVTC Foundation and how you can get involved in community outreach efforts, email info@thegvtcfoundation.com or visit thegvtcfoundation.com BBM

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21

CALENDAR OF EVENTS | cont’d SonoraBank.com

BOERNE EAST 1570 River Road 830-331-8300 BOERNE WEST 122 West Bandera 830-331-9118

to you and your family.

May peace, joy, hope and prosperity follow you into the new year.

GBCC RIBBON CUTTING FOR EXCELLED MONTESSORI PLUS 11:30am to 12:00pm 27521 Interstate 10 W – Boerne DECEMBER 9-10 A DRIVE THROUGH BETHLEHEM 6:00pm to 8:00pm St. Helena’s Episcopal Church 410 N. Main Street – Boerne All are invited to visit a recreation of the historical town of Bethlehem at this drivethrough event. Journey through the streets, visit the market, watch the craftsmen at work, and glimpse into the daily life of the townspeople.

Find the place where Mary and Joseph settled in to stay after their long journey.There will be shepherds, kings, and camels arriving to pay homage to the newborn king. Free Event.

DECEMBER 11 COUNTRY CHRISTMAS SANTA DRIVE-THRU! 6:30pm to 7:30pm Patrick Health Public Library 451 North Main Street – Boerne Saddle up your sedans and SUVs and head on over to our library for a drive-thru view of Cowboy Santa. Stay in the comfort and safety of your vehicle while you stop to say "Howdy" to our Country Kris Kringle. Every child will get a special take-home treat!

DECEMBER 12 BLUEGRASS JAM AT THE AGRICULTURAL 11:00am to 1:00pm | The AgriCultural Museum 102 City Park Road – Boerne Every second and fourth Saturdays of the month, bring your instrument and play along, or just come to listen to the Bluegrass Jam at The AgriCultural! This event is free and open to the public.

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

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(830) 816-2288 B oerne B usiness M onthly | December 2020

Judy Filingeri Owner Angela Turner Broker Carey Stewart Realtor Suzanne McGinnis Realtor Brette Nickelson Realtor

CHRISTMAS AT THE KUHLMANN-KING MUSEUM 12:00pm to 3:00pm | Kuhlmann-King Museum 402 E. Blanco Road – Boerne Join the volunteers at the Kuhlmann-King Museum for an afternoon of celebrating the season. Along with their regular tours, visitors can make an ornament, listen to carolers, and learn more about Christmas traditions in 1885 Boerne. Please email to schedule a personalized tour. Free Admission, Donations Welcome.

DECEMBER12-13 BOERNE MARKET DAYS Saturday 10:00am to 5:00pm; Sunday 10:00am to 4:00pm | Main Plaza 100 N. Main Street – Boerne Since 1850, Main Plaza has been a center point of trade for the people of Boerne. In the present day, on the second weekend of every month, Main Plaza is home to a

finances

I

It Wasn’t About The Election

by Karl Eggerss, Senior Wealth Advisor – Covenant, a Registered Investment Advisor

“It’s the biggest election of our lifetime.” “The market will definitely crash after the election”. These were a couple of comments I heard prior to the 2020 presidential election. And, they were the same comments I heard prior to the 2016 presidential election. And the 2012 and so on. But, should you really modify your portfolio based on elections?

It’s not uncommon for investors to become nervous prior to elections. In fact, volatility does tend to increase in the weeks leading up to an election. However, investors that are too focused on elections and changing their portfolio tend to regret that decision later.

Building an investment portfolio to help meet financial goals has more to do with an investor’s time horizon, financial goals, ability to take risk, and willingness to take risk than it does about specific events like elections. In fact, much of the data suggests that stock market cycles are very similar over the long term regardless of who is in the White House. So, why do so many investors get so caught up in politics in regard to their portfolios? There are a few logical reasons. A new president could try and change tax policies, he or she may be more or less friendly on business, or they may work better with Congress. These are just some valid concerns that could impact the profitability of companies and thus the future value. But, this is just one piece of a very large puzzle. What about interest rates, Fed monetary policy, the underlying health of the economy, consumers, etc.? Those are also factors that move stocks.

But, it’s even bigger than that. It goes back to you and your financial situation. For example, should a 22-year old fresh out of college that’s saving in their new 401(K) be concerned about the election from a financial standpoint? No. They should be learning the art of saving, compound growth, and the long-term returns the stock market has historically provided. Conversely, should an 80-year old that is living off their portfolio by making monthly withdrawals be that concerned about who wins an election in relation to

their portfolio? No. They should be more concerned about ways to earn a reasonable income and where interest rates currently stand. All investors, regardless of age, should start with a comprehensive financial plan that takes into consideration their current and future expenses, their goals, the assets and liabilities, inflation rates, and expected returns on several asset classes to build a long-term portfolio. A well-built portfolio should be able to withstand some volatility and have enough diversification that if short-term cash needs can’t be met, the portfolio can supplement.

Elections shouldn’t play a part in that construction.

To put it mildly, financial markets were volatile in 2020. The volatility that was present had more to do with COVID and a future vaccine rather than the election. But, even COVID shouldn’t be something that alters your long-term plan. The key is to have a plan.

Yes, plans will be modified over time as your situation changes. But, events such as elections shouldn’t have a bearing on it. BBM Karl Eggerss is senior wealth advisor and partner at Covenant Multifamily Offices, LLC. 114 E. Highland Dr. – Boerne 210.526.0057

creatingricherlives.com

The contents of this article are provided for informational purposes only. It is not an exhaustive list and is not intended to provide any legal or tax advice.

Please consult your respective legal, tax and financial advisor before taking any action.

CALENDAR OF EVENTS | cont’d magical outdoor market that blends the traditions of the Texas Hill Country with the creations of today’s culture.

DECEMBER 13 CANDY CANE MARKET 10:00am to 5:00pm Dog and Pony Grill 1481 S. Main Street – Boerne Candy Cane Market is a curated gift market!

Find something for everyone on your holiday shopping list! Shop local, shop small, shop handmade! Support small businesses and find all

your holiday gifts!

BOERNE CONCERT BAND CONCERT 6:00pm Boerne High School Auditorium 1 Greyhound Lane – Boerne Join the Boerne Concert Band for a live, free concert at the Boerne High School Auditorium!

Bring lawn chairs, blankets and picnics, and be sure to arrive early to pick your spot.

DECEMBER 14 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.

DECEMBER 15 RIBBON CUTTING FOR BILLY'S WESTERN WEAR 40 YEAR ANNIVERSARY 1:30pm to 2:00pm Billy's Western Wear 1490 S. Main St. – Boerne

continued on page 29 boernebusinessmonthly.com

23

taxes

Year-end Tax Planning for Small Business Owners

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by Eric McGraw, CPA, Senior Tax Manager – ADKF

As the year comes to an end, it is time again to consider how you can keep a little bit more of your money out of Uncle’s Sam pocket. Below is a list of tax ideas for the savvy small business owner. Some you have likely heard of before, but maybe you’ll see something new that will save you some money!

1. PUT YOUR KIDS TO WORK: As a business owner you can literally put your child on the payroll. You will be able to deduct their wages like you would any other employee, which will lower your taxes. Meanwhile, your child can earn up to $12,400 without paying any federal income tax! This strategy makes the most sense for older children in high school and college. Keep in mind that your child should earn the wages they are paid!

2. CHARITABLE DONATIONS: If you are thinking of making a large donation to charity, but don’t know who to give the money to, consider a donor recommended fund. These organizations act as an outsourced private foundation, allowing you to donate the money into a holding account and take the related deduction now. At a later date, you may direct the fund to send the money on to charities of your choice.

3. RETIREMENT PLAN CONTRIBUTIONS: This is one of the best ways to reduce your taxes, for two reasons. First, you keep the money!

Second, you can make retroactive contributions after you have a better idea of your tax situation.

For example, you can make a SEP IRA contribution in April of 2021 that will be deducted on your 2020 tax returns. Many retirement plans are available, but the most common for small business owners are SEP IRA accounts and 401k accounts. Make sure to discuss with your CPA at tax time!

4. QUALIFIED BUSINESS INCOME DEDUCTION (QBI): As a business owner, you are eligible for the QBI deduction. This deduction is calculated based on your business net income after your own wages are paid. There are many limitations

24

B oerne B usiness M onthly | December 2020

beyond the scope of this article, but suffice to say, the higher your business income the more likely you are to get a nice QBI deduction. One of the oddities of this deduction is that the W-2 wages you pay to yourself are deducted from your business income. That means it is important to keep your own W-2 wages low to maximize your QBI deduction, as well as pesky payroll taxes.

5. COST SEGREGATION STUDIES: If you have purchased real estate or completed construction on a new building in 2020, you need to consider a cost segregation study. These studies are conducted by qualified consultants, who will break down the cost of your property into different line items, for example the sidewalk or cabinetry. The reason this is beneficial to you, is that your CPA can take accelerated depreciation on many of these items rather than spreading the write-off over decades. This will reduce your taxes now, but keep in mind your deduction will be smaller in future years.

6. CAPITAL LOSSES: If you expect to have large capital gains derived from the sale of stocks, real estate, etc., consider harvesting your capital losses before the end of the year to offset the gains. But remember that after you have offset capital gains, you can only deduct an additional $3,000 of capital losses against taxable income. So be mindful that harvesting losses may not wipe out all your taxes.

7. SPEND MONEY: Purchase equipment and vehicles to get a quick write off through 100% bonus depreciation. Pay bills before the end of the year to get the deduction on your 2020 tax return. Remember that the IRS doesn’t care if you use cash or credit. That means that you can use loans or credit cards to get a deduction now. But keep in mind you will have to pay back the people you borrow money from!

8. DON’T SPEND MONEY: Remember that your tax write-off is saving you cents on the dollar. In other words, a dollar spent will save you somewhere between zero and fifty cents in taxes.

Don’t spend a dollar just to save fifty cents! Make sure that your expenditures make sense for you and your business.

If you are a current client of ADKF, please contact your service team to let them know you would like to schedule year-end planning. If you are not yet a client of our firm, we would be delighted to conduct an initial consultation at no charge. We have a local office in Boerne, right next to Mary’s Tacos! BBM Eric McGraw, CPA, is a Senior Tax Manager at ADKF with over ten years of experience in public accounting. He is a member of the AICPA,TXCPA, and San Antonio CPA Society. He is a graduate of the University of Georgia but is a naturalized Texan by marriage. Eric specializes in business consulting and tax planning for closely held businesses.

ADKF.com | (830) 387-4441

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DON’T FORGET TO INCLUDE BOERNE BUSNESS MONTHLY! The local magazine you love to read is the same one your potential customers are looking at too!

Call us at (210) 219-6735 to get your business in BBM! WWW.ADKF.COM (830) 387-4441

CERTIFIED PUBLIC ACCOUNTANTS

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

boernebusinessmonthly.com

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Serving the Texas Hill Country Since 1916

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

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

Instant Estimates.

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From Title Quotes, to Seller Net Sheets and Buyer Estimates.

Visit KCAC.net to DOWNLOAD MOBILE APP

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Life isn’t perfect, but your hair can be.

B

Appointment booking available online at

725 N. Main Street – Boer ne

26

barbiesinboerne.com

BARBIE (210) 330-6676

B oerne B usiness M onthly | December 2020

KIMBERLY (210) 827-9310

KAREN (830) 496-2670

BRITTANY (210) 632-5152

health

HOW TO MANAGE BEING STRESSED & DEPRESSED DURING THE HOLIDAYS

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by Dr. Leigh Ann Greenberg, RPh – Annie’s Apothecary Stress and depression can ruin your holidays and hurt your health. Planning, being realistic, and seeking support can help ward off stress and depression. Maintaining nutritional support is also a must during this time.

Depression can occur during the winter which is typically termed SADD or Seasonal-Affective Depressive Disorder. Symptoms usually start in the fall and continue during the winter. These symptoms may include hopelessness, increased appetite with subsequent weight gain, increased sleep, less energy, and ability to concentrate, social withdrawal, unhappiness or irritability. Although most physicians will prescribe an anti-depressant for just a few months, we would rather recommend vitamin D3 supplementation. You can have your vitamin D levels tested at your physician’s office. The goal level of 25 (OH) vitamin D is 50-60 ng/ml. It may take doses of 2000-10,000 IU/day to get an optimal level. Your doctor may prescribe a weekly dose of 50,000 IU or you can take a pharmaceutical grade vitamin D3 daily to keep your blood level more stable. Getting repeat lab tests will determine how much vitamin D3 supplementation is necessary for you. Vitamin D will help keep the winter blues at bay, but it will also boost your immune system and help you cope with stress.

Stress can be managed during the holidays by creating realistic goals for parties, gifts, decorations, and budgets.

Procrastination will inevitably lead to higher stress levels, so try to plan ahead of time. Don’t forgo the healthy habits you have spent all year establishing. Overindulgence will only add to your guilt and stress. By eating a healthy snack before parties and staying well-hydrated, you can cut down on the amount of sweets and drinks you consume. Don’t forget to continue getting plenty of sleep and exercise too. When our bodies are stressed, vitamin and

hormone deficiencies become more apparent. Our bodies’ resources are used up much quicker. Maintaining hormonal balance, such as thyroid, estrogen, progesterone, testosterone and cortisol, will keep you even-keeled. The B vitamins are essential during stressful periods. A pharmaceutical grade B-complex along with a B12 (preferably by injection or under the tongue) may keep your energy levels up so you can tackle the long holiday to-do lists.

Adaptogenic herbs can be useful to calm anxiety that is often associated with stress. Rhodiola rosea, Panax gensing, and Ashwaganda may support the body’s adaptogenic response to stress. Elevated levels of our stress hormone, cortisol, can also contribute to extra pounds; therefore, make sure you allow yourself relaxation time to bring those stress levels down. Cortisolv is a supplement we carry that may help your body resist and recover from the effects of everyday stress. Components of Cortisolv have been shown to support healthy cortisol levels, help alleviate occasional fatigue, promote mental clarity, and support relaxation and restful sleep.

The holiday season can be a very enjoyable and memorable time to spend with family if you do not forget to take care of your body’s needs too. Keep up your healthy habits all year long. Keep your nutrient levels up and you are sure to have fun this holiday season! BBM

anniesrx.com

211 S. Saunders – Boerne boernebusinessmonthly.com

27

shopping

The Best Gift You Can Give Your Community & Neighbors is to Shop Local!

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Don’t forget to check out our numerous mom and pop businesses who rely on their neighbors to keep the lights on. They won’t be packed to the gills like big box stores, are faster than two-day delivery and many still offer curbside service.

Home for the Holidays

Come "Home for the Holidays” right here in Boerne, where you’ll find festive Fridays and Saturdays, December 4-5 & December 11-12.

Enjoy an all-day (and late night!) shopping and dining experience offering delightful surprises and the opportunity to shop well into the evening! These special days and evenings will feature: • Beautifully decorated and lit historic downtown buildings • Holiday music along the Hill Country Mile • Surprises and Delights: you may run into Victorian-era revelers as you stroll the Hill Country Mile • Shops will stay open these selected nights until 9 p.m.!

• Enjoy a special open-air Handmade Market, noon-9 p.m.

Dec. 4-5 in Boerne's Main Plaza!

“Home for the Holidays" is hosted by the Boerne Retail and Restaurant Owners Association. Shopping and dining businesses will follow current capacity rules to allow for social distancing as visitors enjoy a unique holiday getaway in a historic setting. BBM

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

28

B oerne B usiness M onthly | December 2020

CALENDAR OF EVENTS | cont’d DECEMBER 16 GBCC RIBBON CUTTING FOR TOYOTA OF BOERNE'S CHECK PRESENTATION TO HILL COUNTRY DAILY BREAD 11:00am to 12:00pm Hill Country Daily Bread Ministries 38 Cascade Caverns Rd. – Boerne DECEMBER 17 GBCC RIBBON CUTTING FOR BRAND BUILDERS DIGITAL MEDIA AGENCY 1:30pm to 2:00pm Greater Boerne Chamber of Commerce 121 S. Main St. – Boerne

Allyson Munsell

1580 S. Main Street, Ste. 104 Boerne, Texas 78006 830-249-8286

1011 S Main Street Boerne, Texas 78006 830-249-2748

Financial Advisor

LIVE! AT THE LIBRARY 7:0pm to 9:00pm Livestreamed program via Facebook Live Featuring musical artist Brittany Shane.

DECEMBER 19 CHRISTMAS ANTIQUE TRACTOR PULL, ENGINE SHOW & HAND CRAFTED MARKET 10:00am to 4:00pm The AgriCultural Museum and Arts Center 102 City Park Rd – Boerne Get pictures of your kids with Ol' Saint Nick, take a hayride and get the kid's faces painted at this festive holiday event! Shop for items from local artisans.There will also be an antique tractor pull and an engine show!

Ron Warden

Financial Advisor

www.edwardjones.com Member SIPC MKT-9811B-A

Friendly, Done Right.

COWBOY CHRISTMAS MARKET DAYS

Saturday 10:00am to 5:00pm; Sunday 10:00am to 4:00pm | Main Plaza 100 N. Main Street – Boerne Finish your last second Christmas shopping at the Cowboy Christmas Market Days!

DECEMBER 22

CITY COUNCIL MEETING 6:00pm to 8:00pm | Livestream Meeting See ci.boerne.tx us for link to meeting.

Why United Texas?

 Local decision making  Low rates  Loans for equipment, business vehicles, and real estate, including investment real estate  Lines of credit and term loans  SBA Guaranteed Loans - we’re an SBA Preferred Lender  Home Loans with a personal touch

DECEMBER 25 – MERRY CHRISTMAS!!

DECEMBER 26

BLUEGRASS JAM AT THE AGRICULTURAL 11:00am to 1:00pm | The AgriCultural Museum 102 City Park Road – Boerne KUHLMANN-KING MUSEUM TOUR 12:00pm to 3:00pm Kuhlmann-King Museum 402 E. Blanco Road – Boerne The Kuhlmann-King house gives the public the opportunity to step back in time to see what a historic Boerne home looked like "way back when."

DECEMBER 31 – NEW YEAR’S EVE

BBM

Kris Boiles  210.561.4764  krisb@utxcu.com David Gray  210.561.4578  davidg@utxcu.com 1440 South Main  utxcu.com boernebusinessmonthly.com

29

newsworthy

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Sonora Bank Appoints Bridget Carr and Lindsay Cranek to Board of Directors

NINE-PERSON BOARD INCLUDES MIX OF HIGHLY EXPERIENCED BUSINESS, HOME BUILDING, RANCHING, OIL & GAS, MEDICAL, LEGAL AND EDUCATION PROFESSIONALS

“We are pleased to welcome Bridget and Lindsay as new members on the Sonora Bank and First Sonora Bancshares Board of Directors,” said Bob Malone, Chairman, President and Chief Executive Officer. “They are well-respected across West Texas, and we are fortunate to leverage their breadth of business and community experience to enhance the services and experiences we provide our customers throughout Texas.”

Bridget Carr is the co-owner of Bug Pest Control and Carr Clinic Auto Repair, both located in San Angelo. Prior to this she was a teacher for 12 years and coached and developed students in volleyball, basketball and track. She spent two years employed in the casino industry in Las Vegas, while she worked on a degree in Casino Management.

Bridget grew up in San Angelo and is a proud graduate of Water Valley High School. She is a graduate of Angelo State University, where she obtained a degree in Agricultural Communication. Bridget has served and continues to serve on numerous trade, community and civic boards and committees. She was recently accepted into the National Pest Management Association’s Executive Leadership Program. In addi-

tion, Bridget is a professional Barrel Racer in the Women’s Professional Rodeo Association.

Lindsay Cranek is a life-long West Texan.

Lindsay’s breadth of experience spans across banking, accounting, manufacturing and retail.

Most recently, Lindsay owned and operated JL Mercer Boot Company in San Angelo, and she currently runs a successful traveling retail business, Vaquera, while operating the family ranch. Lindsay attended Texas A&M University, where she received an Agricultural Economics degree. While there, she competed on the Texas Aggie Rodeo Team and was a member of Saddles & Sirloin. Upon graduation, she began working full time while continuing her education at Angelo State University, where she earned her master’s degree in business administration. Lindsay is a member of the Texas and Southwestern Cattleraisers Association and Texas Sheep & Goat Raisers Association; is a lifetime member of the San Antonio Stock Show & Rodeo; and strong supporter of the San Angelo Stock Show & Rodeo, St. Ambrose Catholic Church, West Texas Rehab and West Texas Boys Ranch. BBM

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B oerne B usiness M onthly | December 2020

222 S. Main – Boerne, Texas

Wishing You A Merry Christmas & A Happy New Year from All of Us at LoneStar Properties! www.LoneStarBoerne.com | 830.249.7979

Experience • Skill • Dedication