An official publication of the Kerrville Area Chamber of Commerce
POLAR BEAR PLUNGE
Kerrville Area
Issue 27 | December 2011
Business
MERRY CHRISTMAS MERRY CHRISTMAS
CHRISTMAS
During this holiday season and every day of the year, we wish you all the best.
Bryon Mein Bryon Mein
Financial Advisor Financial Advisor
AAMS® Amy D Bush,Kendall AAMS® N Davison, Joyce D Mechler, AAMS® Financial Financial Advisor .
.
Advisor Financial Advisor
1016 A Junction Hwy holiday season 3285 Junction Highway A 301 Garrett During this and every day ofDrEarl the year, 712 HillSuite Country Ste #201 1016 A Junction Hwy Kerrville, TX 78028 Ingram, TX 78025 Kerrville, TX 78028 wish youTXall the best.830-367-6026Kerrville, TX 78028 Kerrville, 78028 830-257-5254 830-257-4059
we
During this holiday season and every day of the year, we on and every day of the year, we 830-257-7877 wish youMein all the best. 830-257-5254 Kendall N Davison, AAMS® Bryon Kendall N Davison, AAMS® Financial Advisor Bryon Mein Financial Advisor
Stephanie Marschall Grant S Mein Financial Advisor Kendall N Davison, AAMS® Financial Advisor .
Financial Advisor
Kendall Davison, AAMS® Financial Advisor Financial Amy DANAdvisor Bush, 712 Hill Country DrBandera Ste #201 1016 Junction Hwy 1406 Sidney Baker 712 Hill Country Dr SteAAMS® #201 1234 Hwy .
. Financial Advisor Kerrville, TX 78028 Kerrville, TX 78028 Kerrville, TX 78028 Financial Advisor Kerrville, TX 78028 Kerrville, TX 78028 www.edwardjones.com Member SIPC 712 Hill Country Dr Ste #201 1016 A Junction Hwy 830-257-7877 830-257-5311830-257-7877830-895-0997 830-257-5254 712 Hill Country Dr Ste #201 3285 Junction Highway Suite A Kerrville, TX 78028 Kerrville, TX 78028 Kerrville, Ingram,TXTX78028 78025 830-257-7877 830-257-5254 .
.
.
830-257-7877 830-367-6026 Amy D Bush, AAMS®
Financial Advisor
Amy D Bush, AAMS® .
3285 Junction Highway Suite A Financial Advisor
www.edwardjones.com
Member SIPC
www.edwardjones.com www.edwardjones.com Member SIPC Ingram, TX 78025 3285 Junction Highway Suite A 830-367-6026 .
Member SIPC
Mediterranean Style Townhome 1125 Lois Kerrville, TX 78028 3/2.5/2 townhome, 2029 sq.ft. Private front courtyard. You instantly feel at home as soon as you walk into the large yet cozy living room that is equipped with a wonderful wood burning fireplace. All bedrooms are of good size. Off of the kitchen is a sunroom with an attached atrium. The master bedroom has it’s own private balcony and the third bedroom has a small balcony as well. Come take a look!
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December 2011
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Owned
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SINCE 1
947
•
1947- 201 1
An official publication of the
Kerrville Area Chamber of Commerce Officers: Mark Tuschak, Chairman of the Board, Schreiner University Sue Steele, Chair-Elect, Bank of the Hills Kyle Bond, First Vice Chairman, Terminix Pest Control Mike Graxiola, Vice Chairman, Kerrville Daily Times Bob Waller, Immediate Past Chair, Broadway National Bank
Directors: Paul Avery, James Avery Craftsman Brenda Beaty, CPA, Pressler Thompson & Co., PC Kim Clarkson, Kerr County Abstract & Title Company Frank Dunlap, the Ray & Joan Kroc Corps Community Center James Eastland, Camp Mystic Judy Eychner, Century 21 Malson Realty Denny Foster, Lemon Tree Cleaners Tracy McCuan, Kerrville Public Utility Board Kent McKinney, Guadalupe National Bank Scott Peschel, Fidelity Abstract & Title Company Joe Piszczor, Peterson Regional Medical Center Scott Rain, Huser Construction Company Bart Stevens, Stevens Rich PLLC Ellen Williams, Kerrville Independent School District Delbert Wilson, Hill Country Telephone Cooperative Keri Wilt, Grape Juice
Kerrville Area
Business December 8
Chairman’s Corner
9
Calendar
10
2012 Mixer Badge Form
12
Member Discounts
16
Member Profile
18
Taking the Plunge
23
Main Street Moonlight Drive
24
Can Employees Discuss Pay?
26
James Avery Hill Country Golf Classic Wrap Up
29
Business Barometer
30
Estate Planning for Grandparents
Advertising Morgan Schooley O: 830-285-4373 - morgan@mykerrville.org
32
Ribbon Cuttings
Creative Director Jeanna Goodrich - jeanna@mykerrville.org
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Photos from the Member Mixer
PUBLISHER Morgan Schooley morgan@mykerrville.org Kerrville Area Chamber of Commerce Traci L. Carlson - President Kristan Craddock - Events and Public Relations Susan Rogers - Membership Services Norma Martinez-Lanza O: 830-896-1155
Schreiner Goods
Polar Bear Plunge 2012
Wrap Up
Better Consumer Choices
Contact Kerrville Area Business 120 Summer Loop morgan@mykerrville.org - 830-285-4373
Kerrville Area Business Magazine is published monthly by Uncle Frog’s Island, LLC. No reproduction in any form is authorized without the consent of Uncle Frog’s Island, LLC. Printed in the USA. All rights reserved. No responsibility is assumed for unsolicited submissions. Manuscripts, photographs, and other submitted material can be acknowledged or returned if accompanied by a self-addressed, stamped envelope. The content contained does not necessarily reflect the opinions and views of Uncle Frog’s Island, LLC or the Kerrville Area Chamber of Commerce. Uncle Frog’s Island, LLC, and the Kerrville Area Chamber of Commerce assumes no liability for misinformation, omissions, or errors.
6
December 2011
“My bank accommodates me. They’re flexible and they think outside the box.”
Kathy Dietert, owner of Bella Luz Medical and Aesthetic Laser Center, Tri-County Home Health, Alternative Healthcare, and Dry Hollow Ranch
At Guadalupe National Bank we do what we can to help our customers succeed. Because our decision makers are local we can do things other banks can’t and won’t do. Our decision process
is quick and easy, and we’re not defined by out-of-town corporate policies. If you’re looking for a bank that will work early or late, or whenever you need us, call Guadalupe National Bank.
830.792.1950 guadalupenational.com Kerrville’s Bank
MEMBER FDIC
13 09 Bandera HigHway 1916 Junction HigHway
CHAIRMAN’S CORNER
A River View
I just returned from a business trip to St. Petersburg, Florida. The town is surrounded by beautiful water, bay and gulf. I was struck by how prominent their natural surroundings played in the development of the town. Even during the off season the business community was thriving because people are attracted to the area as tourist and residents. Like Kerrville, there is a mix of neighborhoods and the quality MARK TUSCHAK of property varies widely, but they mitigated the variances by developing attractive public space that promotes community involvement and business development. It made me think of other cities and towns I’ve traveled to that have water as the centerpiece of their development; Missoula, Portland, New York, Paris, San Antonio, Austin, and even New Braunfels and Boerne to name a few. Most are larger than Kerrville for sure, but all have developed around their prominent natural features. In Kerrville, we seem embarrassed about the Guadalupe River. The downtown buildings block the view. Except at Louise Hays Park and Kerrville Schreiner City Park, there is no easy access to the river. When people in town talk about what they like about Kerrville the river is often mentioned, but it really is a resource
that we seem to take for granted. The Chamber has taken the position that the development of the river trail should take place. According to the City of Kerrville, the Guadalupe River trail in Kerrville has been discussed since the early 1970’s and has been included in each city comprehensive plan since that time. Developing public river access, infrastructure, and amenities promotes community activity and will serve as a catalyst for private development. Some people will argue that the funds should be used for other worthwhile projects. We don’t think it is an either/or proposition, but rather we should figure out ways to complete multiple projects that promote quality of life and business development. We think that the funding mechanism proposed is a good match for this project and that it is time to stop talking and time to take action. The Kerrville Area Chamber of Commerce doesn’t take positions often, but when we think it will benefit our members and promote a more robust business community, we won’t be shy. If you have suggestions on issues that we should proactively support, please let us know.
Mark Tuschak Chairman 2011-2012 Kerrville Area Chamber of Commerce
View the magazine online! Did you know? You can view the Kerrville Area Business magazine online in a flipbook format! Visit www.mykerrville.org for the current and past issues!
8
December 2011
CALENDAR
DECEMBER
2012 Workshop Topics
December 1st-3rd
December 17th
Ethics
Friday-Saturday, 7:30 p.m.; Sunday 2 p.m. Join us for this holiday musical variety show. The Point Indoor Theatre, Hill Country Arts Foundation, Hwy 39, Ingram, 830-367-5121
Saturday, 10 a.m.-1 p.m. Come and share the joy of Christmas and participate in fun crafts, refreshments and visits from that special elf from up North! Enjoy a great day for all the family and our friends in celebration of the gift of Christ to the world. The Salvation Army Ray & Joan Kroc Corps Community Center dining hall, 201 Holdsworth Dr. 830-315-5761.
“Christmas at the Point”
December 1st-10th Annual Texas Furniture Maker’s Show
Tuesday-Saturday, 10 a.m.4 p.m.; Sunday, 1 p.m.-4 p.m. A statewide competition of the finest custom furniture makers in Texas. Kerr Arts & Cultural Center, 228 Earl Garrett St., 830-895-2911
December 10th Star Party
Saturday, 7 p.m. See a lunar eclipse through the telescopes, with games and activities. Riverside Nature Center,150 Francisco Lemos St., 830-257-4837
December 10th
White Christmas in the Hills Saturday, 7 p.m. Dancers from the Kerrville School of Dance and San Antonio Performing Arts Classical Ballet present a colorful Christmas program. Kathleen C. Cailloux, 910 Main St., 830-896-6116
December 15
Kerrville Area Chamber of Commerce Holiday Breakfast
Christmas at the Kroc
December 17th
Kerr County Market Days Saturday, 9 a.m.-4 p.m. An oldfashioned market on the square. Over 75 vendors selling Texas wares; arts, crafts, jewelry, plants & more. Courthouse Square, 700 Main St., 830-895-7962.
December 31st
Turn Back the Clock New Year’s Eve Saturday, 8 p.m. ring in the New Year with the 18-piece Big Band, The Sentimental Journey Orchestra, and the music of Glen Miller, Tommy Dorsey and many more. Coat and Tie requested for gentlemen, black tie optional. Inn of the Hills Resort & Conference Center, Grand Ballroom, 1001 Junction HWY, 830-895-1535.
Going Green Customer Service Government Contracting Regulatory Reform Retirement Security Small Business Development Contract Employees & Employing Minors Public Speaking & Delivering Presentations Networking Know How Community Involvement The Chamber will be looking to our members to help us put on these workshops throughout the year so if you have any ideas please give Susan a call. These will be held here at the Chamber with the goal being that they will be of no cost to our members.
6:45 - 8 a.m. YO resort Hotel & Conference Center, sponsored by Broadway Bank. kerrvilletx.com
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Save $33 by Ordering the Yearly Badge
Order your 2012 Mixer Badge for all the Business Luncheons, After Hour Mixers and the Breakfast OR for all the After Hour Mixers only. The 90th Annual Membership Awards Banquet in 2012 is not included in the Mixer Badge.
Number of 2012 Mixer Badges desired: All Events:
at $82
After Hours Only:
at $27
Includes all 9 After Hours Mixers Two Luncheons & One Breakfast
Contact Name & Phone: Name of Business / Organization to appear on badge(s):
Name(s) to appear on badge(s):
No Mixer Badges will be printed after March 31, 2012 You may pay by cash, check, MasterCard or Visa. If paying by credit card, please complete the following: MasterCard Credit Card Number Name on Card Signature
24 | JANUARY 2011
Visa
Exp. Date ______ Zip Code _________ CVC _______
Your Life. Our Calling. Ambulatory Care Center
.
Peterson Medical Associates
Peterson Hospice
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.
Peterson Home Care
Peterson Anti-Coagulation Clinic
551 Hill Country Drive
.
2012
Kerrville, TX
.
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Women’s Services
Acute Rehabilitation Unit
www.petersonrmc.com
8th AnnuAl hill Country Cowboy breAkfAst
friday, january 13, 2012
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ME M B E R T O ME M B E R
DISCOUN
LeMeilleur’s RV, Truck & Equipment Repair Co., The Diesel Doctor 214 Peterson Drive, Kerrville, TX 78028 830-895-2888, rvrepair@ktc.com 10% off any preventative maintenance service performed. Appointment required. Tim Jones Signature Homes 154 G Street, Kerrville, TX 78028 830-896-8087 tim@timjonescustomhomes.com Free plan, designs drafting on home remodeling & custom building. Hill Country ChapterAmerican Red Cross 333 Earl Garrett St., Kerrville, TX 78028 830-257-4677 vandenbergk@hccredcross.org 10% discount on any adult CPR and First Aid classes. Davis Chiropractic- Dr. John W. Davis 208 Wesley Dr., Kerrville, TX 78028 830-257-3284, Dr_johndavis@yahoo.com Waive co-pay or 20% discount on initial visit. Hill Country On Call 317 Sidney Baker South, Ste 400-265 Kerrville, TX 78028 www.HillCountryOnCall.com 830-866-3000, info@hillcountryoncall.com One FREE Hour of Concierge/Personal Assistant Services with each Booking! Please Call for Details. On call 365 days/year for your specific needs. Licensed, Bonded and Insured. Hill Country Limousine Service, Inc P.O. Box 291152, Kerrville, TX 78028 830-896-1429, mpolden@ktc.com or maryolden59@msn.com $10 off per limo rental – 3 hour minimum, $10 off airport fare one-way. First American Storage 2390 Memorial Blvd, Kerrville, TX 78028 830-895-2454, tricia@tonyroberts.us 1 month free on all new storage rentals. Texas Etc. - Wayne J. Este 1001 Junction Hwy @ Inn of the Hills Kerrville, TX 78028, 830-257-4300 10% discount on Jewelry, Art, and Gift Items. 10% discount on consigned items.
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December 2011
TS Hill Country Wine Tours 830-329-WINE www.hcwinetours.com Rates for Chamber Members are $50 per person, 3 person minimum (tasting fee not included). Elks Lodge The Elks Lodge Hall is available to rent for meetings, parties and special occasions. Published rental rate is $75 per hour, with a minimum of 3 hours. Chamber members pay only $50, a 33 1/3% discount off regular price. Hall will accommodate 210 people. Tables and chairs available at no extra charge. Stage with ample power sources for band or DJ. Kitchen and full service bar are available. For details call: Jim Keefe at 830-792-4377. “All proceeds help support the Elks Local Charitable Programs.”
YO Ranch Resort & Branding Iron Restaurant 2033 Sidney Baker St., Kerrville, TX 78028 johnhelm@1859historichotels.com 830-257-4440, www.yoresort.comor Offering a 20% discount to Chamber Members on sleeping rooms or meals in the restaurant. Not valid with other discounts. Please tell us you are using your member to member discount at the beginning of your reservation or meals. Texas Homeplans, LLC dba Archetype Designs Mickey Thompson 815 Jefferson St., Kerrville, TX 78028 830-257-2311, betty@texashomeplans.com 5% off any Stock Plan by Texas Home Plans Partnership, LTD. We appreciate referrals. As a token of our appreciation, when the referred job is completed, we will award a restaurant gift certificate to the Chamber Member who has referred a client.
Comanche Trace 3074 Bandera Highway, Kerrville, TX 78028 www.comanchetrace.com Sherri Jones: 830-895-8500 ext. 224 sjones@comanchetrace.com 50% off the banquet room deposit for your next event. Offer good for August, September, October or November. Please call today before your preferred date is booked. This discount is only good for a one time use. Kerrville Folk Festival 3876 Medina Hwy., Kerrville, TX 78028 830-257-3600, info@kerrville-music.com $200 off Small Business Package includes tickets, parking, & advertising. Details at: www.kerrvillefolkfestival.com
TERMINIX 3100 Memorial Blvd, Kerrville, TX 78028 830-257-8233 10% off pest control and/or Termite Services. New customers only. Annual contract required. 830-257-8233 (Kerrville) 830-997-1930 (Fredericksburg) 830-796-3507 (Bandera) 888-522-9574 (Toll Free) KERRBAY.NET 100 Guadalupe Plaza C3, Kerrville, TX 78028 info@kerrbay.net 25 Free eBay Listings for Business overstock or Merchandise Liquidation. Clean & Shine Sheri Baker 411 Harper Road, Kerrville, TX 78028 830-370-7223 25% off top to bottom clean, carpet shampoo or floor buffing or polishing and window cleaning. Hill Country Chiropractic & Wellness Center 311 West Main Street, Kerrville, TX 78028 830-896-4108 www.hillcountrychiropractic.com Free complete nutrition consultation with initialvisitand 75% off your first supplement order. Established patients receive 50% off an adjustment with referral of friends or family. Hill Country Telecommunications, L.L.C. SECURITY ALARM DIVISION P.O. Drawer D, 220 Carolyn Street Ingram, Texas 78025 830-367-1111 FREE wireless Robbery/Panic Button ($50 value) with the purchase and installation of a new monitored commercial or residential security alarm system. Hill Country Smiles - Dr. April Brown 417 Tivy Street Kerrville, TX 78028 www.hillcountrysmiles.com 830-896-5400 office 830-896-5403 fax Braces & Invisalign for Children & Adults: Free Initial Consultation. Mention this magazine for $200 off. Expires 12/31/11
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Kerrville Banking Center | 500 Main Street | 830.896.2950 38 Neighborhood Banking Centers | broadwaybank.com | Member FDIC kerrvilletx.com
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Want a cool new way to surf the web? We are giving away a brand new iPad 2!* For a chance to win a new iPad, simply join our eNewsletter mailing list, or friend us on Facebook then enter the drawing! Terminix will send you quarterly eNewsletters with helpful information to keep your home and family safe from pests. Please visit www.terminixabc.com/drawing to register, or find us on Facebook by searching for Terminix - Hill Country. *Limit one entry per person. Must be 18 years old and live within the Terminix - Hill Country service area to enter. Please visit the drawing web page for full details and contest rules. www.terminixabc.com/drawing.
friend
kerrville ranch & pet center features pet supplies
full service pet grooming hunting supplies
animal health supplies tack
lawn & garden supplies clothing & shoes gifts & jewelry
and much more! (830) 895-5800 1900 Junction highway kerrvilleranchandpet.com 14
December 2011
follow
view
Kerrville 830.257.8233
Fredericksburg 830.997.1930
Bandera 830.796.3507
Toll Free 888.522.9574
Girls’ Night Out featuring cowgirl loca boutique 5 - 8 p.m. • thursday, december 8 wine, appetizers, and the finest in cowgirl couture
Thank you to all of the businesses and professionals who donated their time to support the 10th Annual Career Fair held at Schreiner University on November 18th!
Huser Construction Michael Walker, Architect
Town & Country Animal Hospital
Mooney Airplane Company
Hill Country Smiles
City of Kerrville – Fire Department
ATEK Plastics
Kerrville Veterinary Clinic
City of Kerrville - EMS
Automotive Parts & Services Assoc
Peterson Regional Medical Center
American Red Cross City of Kerrville - Police
Kerrville Independent School District
Camp Mystic
Schreiner University
Inn of the Hills
USDA
Advanced Computer Repair
Conlees College of Cosmetology
KPUB
Juvenile Probation
Alamo Area Colleges
UGRA
Wells Fargo Advisors
Hill Country University Center
Wells Fargo Bank
Wal Mart
Kerrville Daily Times
kerrvilletx.com
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ME M B E R PR OF I L E
Schreiner Goods Owners Keri Kropp and Beth Doty 214 Earl Garrett St. Kerrville, TX 78028 (830)315-5000 How did you get into this business? We were inspired by the renovation of the Schreiner Building and the growth of downtown Kerrville. Keri used her background in design and fashion to create a modern version of the “perfect old downtown department store.� What merchandise does Schreiner Goods offer? Hand-selected clothing pieces for a variety of styles and budgets, vintage and modern housewares, jewelry, skincare, and unique gifts. What is the Mission of Schreiner Goods? We aim to provide exceptional products and service in a fun, warm, and upbeat environment. What is the best part of your day? When we have the opportunity to help someone find exactly what they need and see them leave feeling elegant and inspired. What is your favorite aspect of doing business in Kerrville? The wonderful support we have received from the community and the wide variety of people who stop by daily. In what ways has the Chamber been a resource to you? The Chamber is a great way to network and find out about other businesses in the Kerrville area.
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December 2011
Confidence, Determination & Knowledge have joined with Experience, Depth & Integrity to form Strasburger Price Oppenheimer Blend.
Marty Roos of Oppenheimer Blend Harrison & Tate and Ed Valdespino of Strasburger & Price announce the joining of their firms.
Confidence, Determination, Knowledge, Experience, Depth & Integrity would be a rather long name to put on the door, so instead look for Strasburger Price Oppenheimer Blend. The result of two venerable, highly-respected Texas legal powerhouses joining forces. Strasburger & Price, established in 1939 in Dallas, has combined with San Antonio-based Oppenheimer Blend Harrison & Tate. This new firm becomes one of the largest and most diverse legal practices in Texas. Staying true to our roots, more than 200 attorneys statewide will be providing personal, relationship-based service.
San antonio I auStin I collin county I DallaS I HouSton I nEW yoRK I WaSHinGton, D.c. I MExico city - StRaSBuRGER & PRicE, Sc 210.224.2000 I 210.250.6000 I StRaSBuRGER.coM
PHOTOGRAPHY FOR FALL SPORTS IN KERRVILLE, FREDERICKSBURG, HARPER, CENTER POINT, COMFORT, AND MORE... VIEW AND ORDER ONLINE!
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KERRVILLEPHOTO.COM PHOTOGRAPHY BY AARON
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PROFESSIONAL AFFORDABLE PHOTOGRAPHY AND VIDEOGRAPHY FOR THE TEXAS HILL COUNTRY
in cooperation with and as seen on SAsports.com
FEATUR E
taking the
plunge 2012 polar bear challenge promises chilly fun
18
December 2011
On New Year's Day, 2012
at noon, hundreds of brave souls will slide down the 30-foothigh slide at Mo Ranch into the Guadalupe River for the annual Polar Bear Challenge. You may be asking yourself “Why in the world would anyone want to do that?” Because it is fun and benefits a great cause! This year, Partners in Ministry was selected as the beneficiaries of all funds raised. They were selected by a committee of five Kerr County residents who reviewed grant applications from 15 non-profits in Kerrville. The criteria that Partners in Ministry had to meet was: •Provide for charitable and/or educational needs of the Texas Hill Country, particularly as they relate to the community of Kerr County, Texas. •Promote and encourage volunteer participation and citizen involvement. •Have a clearly defined mission and a history of its accomplishment. •Have demonstrated an effective plan for fund development and an efficient use of those funds. Director of Development, Katie Givens says, “We are so excited… this is an incredible opportunity for Partners and it is so fun to see people’s enthusiasm about sliding and raising money for our organization. There are so many facets of what we do at Partners that we have really tried to encourage people to slide for what they are passionate about whether that be children, youth, or those in need. I get to see day in and day out how lives are being changed in the community through our programs, but I am personally sliding and raising money because of my passion for kids. I believe that our Vision Youth program and the leadership of our street youth minister, Tony Vela, is giving kids a chance to believe they can accomplish anything with the help of Jesus Christ. Although I am terrified of the slide and how cold it will be, I am doing it because I love what I do and see at Partners in Ministry!”
kerrvilletx.com
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Want to get involved? Here are some ways you can:
Take the plunge and start fundraising for Partners in Ministry. Go to www. partnersinministry.com and download a registration form. Set up a personal fundraising page to accept online donations at: www.philanthropig.com/ partnersinministry
Promote a slider Donate to see someone you know take the plunge!
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December 2011
Partners in Ministry started in 1993 and was created to deliver good works to the vulnerable in Kerr County. Eight programs exist that fall under the category of: Kids Ministries or Community Services. In the last year, Partners mobilized roughly 1,000 volunteers largely through their CSI or Community Service Day, home rehabilitation program for families in need and the elderly, and kids’ ministries. Seventy-five percent of Partners current and future focus is the Kids Ministries aimed at meeting the unmet, tough to tackle issues impacting children and youth today. These include a street youth ministry, Vision Youth; a whole and healthy kids ministry, Building the C.O.R.E.; a mentoring ministry, Kids Count; and a ministry to new moms, One by One. Recently, Partners in Ministry announced a commitment to the community that they were creating a movement dedicated to mobilizing volunteers and resources to produce healthy and productive kids in every school and neighborhood in Kerr County. This vision is that every student will have a few adult advocates (beyond parents) who will know and care for them. Many people in the community are already signed up and getting pledges for people to see them take the plunge! A few
comments from people who are sliding: Stacie Keeble, Second Term Kerrville City Council Attorney is taking the polar bear plunge as she is particularly appreciative of Partners in Ministry’s CSI, or Community Service Infusion Day. The enthusiasm of the volunteers and much-needed work that is accomplished every year makes her proud to be a member of this community. Jeff Talarico, Wells Fargo Advisors is sliding because jokingly, he has the inability to say no. Truthfully, this is the first year anyone has asked him to slide and he loves what Partners in Ministry does for the community! Keri Wilt, owner of Grape Juice is sliding because she is very passionate about the kids in Mozambique, Africa that Partners in Ministry helps. She says, “To be able to touch a life so far away from Kerrville is amazing to me. These kids have REAL needs… no food, shelter, and more. They need us to help or they won’t survive and thrive as all children should have the chance to do.” Keri went to Mo Ranch for camp growing up, and was terrified back then to go down the slide. She says she is still terrified. Givens says, “One of the things you are challenged with by being the beneficiary is to create and implement a vision of how the challenge can be bigger and better than before. The record of
see you on new year's day!
$21,300 raised in 2008 by The Schreiner Hill Country Scholarship fund will be hard to beat, but I believe we are well on our way to beat it! For the first time in challenge history, we have a site available to individuals who are sliding where they can promote their own personal fundraising page and accept online donations that go directly to Partners in Ministry. With all the social media outlets, we are hoping to continue the excitement and create lots of chatter about the event.” She also says that, “pulling this kind of event off is certainly not a one man job. We could not do this without the help of our volunteers, so I want to thank them… especially Andy Magee, Tracy Taylor, Keri Wilt & Nelwyn Clack. I also want to thank Mo-Ranch for the opportunity and the dedicated community sponsors of the event: Fineline Sportswear, Kerrville Daily Times, Matera Paper, Oasis LLC, S & B Hair Co., Sysco Foods, Terminix and Wells Fargo. With their support, 100% of the money raised goes directly to Partners in Ministry!” New Year’s Day will indeed be a blast at Mo-Ranch, so come out! Consider sliding – it will be fun and no worries, there will be a certified life guard and EMS on duty. You will immediately be wrapped with a warm blanket when you get out of the icy water and offered a hot beverage – no sweat right?! A few of the prizes that will be awarded are: individual slider who raises the most money, biggest splash – (individual hitting the water), oldest and youngest polar bear & polar bear with the best costume. Any additional questions? Call (830) 792-3131 or stop by the Partners in Ministry offices at 301 Junction Hwy. Suite #341 (Wells Fargo Building at 5 Points) Katie will be happy to help you get set up!
Come and support the Plunge on December 15th for the Polar Bear Party at Grape Juice from 5 to 9 p.m. Crowning of the Polar Bear Ice Queen and King taking place during the event.
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Leadership
UPPER GUADALUPE RIVER AUTHORITY UGRA
is the steward of the Guadalupe River in Kerr County
Protecting water quality through: Goal based monitoring
(830) 896-5445 www.ugra.org
Complaint investigation Education
Located Just off Sidney Baker South, at 125 Lehmann Drive, Suite 100, Kerrville, TX 78028 22
December 2011
Distin
Kerrville Main Street’s
Moonlight Drive
The Main Street Moonlight Drive golf tournament was held on Sunday, October 30, 2011. The Moonlight Drive is unique in that the second 9 holes were played after dark! Contestants were provided with glow-in-the-dark golf balls to help them “see” in the dark. kerrvilletx.com
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Most employers do not want their employees to discuss wages, salaries, commissions, bonuses, or other forms of regular or special compensation. The reasons usually have something to do with the competition, as well as matters of confidentiality, jealousy between employees, not wanting new employees to know how much senior employees earn, not wanting employees to know how much managers and owners earn, and not wanting employees to waste valuable working time on endless chatter. All of these are probably legitimate and fair business considerations. But is the suppression of this information legal? Can an employer stop employees from talking among themselves about how much they earn? Under the National Relations Board Act (NLRA) of 1935, non-management employees—union or non-union members— have the right to engage in “protected concerted activities” for “mutual aid and protection.” The United States Court of Appeals for the Sixth Circuit upheld this decision by stating that
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December 2011
Employees Discuss Pay?
Can
by Larry A. Hobbs, M.B.A., SPHR
“A rule prohibiting employees from communicating with one another regarding wages, a key objective of organizational activity, undoubtedly tends to interfere with the employee’s right to engage in protected concerted activity.” The court further stated that even if the rule banning wage discussion is not written in an employee handbook, “any rule prohibiting employee wage discussions— whether written or oral—has a tendency to discourage such protected discussions.” “Even if routinely not enforced, the mere existence of the rule inhibited conduct,” the court added. Keeping compensation matters confidential may be a good idea from the “employee morale” standpoint. However, it is important to understand that a blanket policy, whether oral or written, prohibiting employees from discussing wages is going to be in direct violation of the NLRA and could lead to legal problems
for an employer. The NLRA states that employers may not “interfere with, restrain, or coerce employees in the exercise of the rights guaranteed in Section 7 of this Title.” One suggestion is to state in an employee notice or the employee handbook that “disclosure of confidential or proprietary information, or use of such information to benefit personally, is a serious violation of Company policy and could lead to disciplinary action, up to and including termination and legal prosecution. Employees are discouraged from discussing wages, salaries, commissions, bonuses, or other pay issues.” This statement does not prohibit such discussion and does not say what the consequences will be if pay is discussed between employees, but it sends a clear message that management would not be happy about it. Employees would probably get the message! Larry Hobbs is a Personnel Management Specialist who assists employers in HR matters. Telephone consultation is always free to Better Consumer Choices Members. (210) 316-4206.
Holloway Plumbing Quality Service when YOU need it! Commercial & Residential service and repair Melaleuca Products are All-Natural, Chemical-Free, and Safe for Family & Pets
Clean & Shine Residential • Commercial Insured & Bonded
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SAVE $25 on COMMERCIAL ACCOUNTS & SAVE $25 on wINdOw CLEANINg!
830.370.7223
Pipe locating & video inspection equipment Sewer and Drain cleaning
Install and repair all types of plumbing fixtures • Toilets • Disposals • Faucets • Water heaters Natural gas installation and repair New Construction - Remodels
830-896-0890 A Full-Service Company
LIC# M-16563
Winter Energy Tips from the Kerrville Public Utility Board
CONSTRUCTION ROLL-OFF CONTAINERS 20 - 30 - 40 yards Servicing KERR - KENDALL - BANDERA - GILLESPIE - BEXAR (Fair Oaks) MEDINA - KIMBLE - COMAL Counties
WEEKLY SERVICE DUMPSTERS for Kerrville, Ingram, Center Point & Comfort: 2,3, & 4 yards
1600 Broadway, Kerrville, Texas 78028
office: 830.896.6050 fax: 830-896-6045 ddi@mini-mart.net
T GO H? S A TR
1. ) Keep thermostat at 68o F or lower. 2. ) Wear layers of warm clothes like sweaters and socks. 3. ) Reduce water heater set-point to 120oF. Switch off the recirculation pump if your water heater has one. 4. ) Let the sun shine in during the day and close drapes at night. 5. ) Re-arrange furniture so you are closer to interior walls and away from doors and windows. 6. ) Use appliances efficiently. Wash and dry only full loads. Clean out lint filters in dryer and use the “Auto Dry” Setting. 7. ) Take shorter showers. 8. ) Clean coils on refrigerators and freezers. 9. ) Turn off any un-used lights or appliances. 10. ) Put computers and monitors in energy-saving mode or use a plug strip to turn them off when not in use. 11. ) Close off un-used rooms and close the air register. 12. ) Never use a traditional fireplace for supplemental heat. Kerrville Public Utility Board 2250 Memorial Boulevard 830-257-3050 | kpub.com
Quietly Lighting the Way Home
kerrvilletx.com
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8th Annual
James Avery
thanks to this year ’ s sponsors Title Sponsor James Avery Gold Golf Ball Sponsor Mercedes-Benz of Boerne Silver Divot Tool Sponsor McBryde Oil Company Lunch Sponsors Kerrville Public Utility Board, Guadalupe National Bank, Allied Waste Thanks, too, to all of our participants, and everyone who helped make this year’s event a huge success!
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December 2011
Champion
ship Flight
Trevor Hyd e BK Cody Mark Miller Ralph Arred ondo Pat Youngs Richard Hag eman Greg Scarlet t Tom Immen sc Sean Gillila huh nd Brian Loeffl er Alan Hill Al Yanez Eric Haddad Michael Bu rniston
First Flight Jesse Allen Bob Hullender Jeff Loyd Ron Hubbard Matt Moore Mark DeLaune, Sr Jeff Fierst Bill Stillwell Brett Hollander Robert Chesser Kelly Starnes Gary Rich Joe Domine Clayton Rodriguez
Gavin Moreland Curtis Bale Ted Egerton Ron Trevino Bill Grozdanich Mark DeLaune, Jr. Duke Snyder Tim Dylina Cale Jones Jason Chesser Jerry Guevara Brandon Rich Jerry Dobbs Chad Douglas
1st 2nd 3rd Tie-4th Tie-4th Tie-4th
Second F
Fifth Flight Sam Braswell Taylor Braswell Ronny Carroll 1st Paul Stadtmuelle Richard Briggs 2nd r Mark Sather Ed Sanchez Tie-3rd/4th Rudy DeLeon Corey Walters Tie-3rd/4th G len n St rit tm Larry Rich atter Jamie Aslin Steve King Bi ll Zi mmerm Keenon Rodger s Greg Bolin an Bill Perez Roland Villarre Paul Smith al Kevin Raymon Don Biermann d St ev en Ruiz Jimmie Peschel Dale Cloud Ed Doyle Chip Nagle
Six
th Flight
1st 2nd/3rd 2nd/3rd 4th 4th
ght
light
Robert Su lliv Mike Hilli Chip Puh an l s Tripp Puh Mike Holb l rook Pete Peter Mark Jon s es Bob Dure Bud Barte e ls James Lan Ralph Shaw ey Dan Mere Leonard S , Jr. co Sam Poorm Jim Keen tt er Scott Gort an Randy Sm it o Sean How n George Sta h ard cy Craig Wil Paul Hallb so er Todd Eze n Pat Weave g ll r James No Ken Minte len r Bill Renfr Bob Hod ge o Jimmy Gre Carl Tolb ert gg Robert W hitaker
Edward San ch Wick Comeg ez ys John Jeffrey Tommy Arr ed John Pierce ondo Todd McFar la Logan Scarl nd ett Matt Langlin ai Justin Mills s ap Ron Clark Timm Aldri ch Jerry Wilton Rene Uballe Kyle Jones
Third Fli 1st 2nd 3rd 4th
1st rown 2nd Tommy B ry r to le S il Stacy 3rd Cris M n es so il lm Gabe W Tie-4th Tracy Ho h it Blake Sm raig Sebek omb Tie-4th C p olc Boyd Shar e Richard H ee tz ike Farab Mike Neu n M wso ngsworth Mike Cla Glyn Killi chell Ken Paul jeka Bedford Mit at nt Robert M den Steve Nuge en Crit Critt om Fierst illon T ry Chris Ave hell Chester McM n des hnso Tom Hou Charles Jo on o ts en er R b s o R vi y ra T Cla fler b Spermo Mark Hau o B sen Tim Han
Bill Overall Jerry Oliver Bob McInnerne y Fred Hines Barry Mills Ray Byars Marc Wylie Paul LaChance Kent Tolbert Oscar Sacriste, Jr. Kenneth Early Trey Davis Ted Jett
1st rit Sipe B 2nd rt low Brad Shuga Roy Burk 3rd ez it ch ru Buzz P Rick San ce Tie-4th o ar rr Greg Fie t Mike Dih Tie-4th y er im et irman D Don Barn Th Tie-4th n ez rigu tman Jerry Rod gel Lloyd Har an David Man John Vrom ton il Tom Clark ler Brent Ham te n il o M aB ie L n n n o ea R kland D y Key ic tr S l ie Dan Cod ey Eigh owell Rowdy K Jimmy H rt th Fl h it m Shuga ight ve te Doug S S K n ga e ts ig n it Smar Donnie R well Bob Tibb t S t e rs phe Randy Pu Destr Leste n Lynch Seventh Flight y r Kevin Pack Brent Van Slyke S B e r K r Larry Larsen y ennet tanton Bob W John Savage 1st h Cra a l l M e r Chris Kenneth Moore Allen Schenck ig ark 2nd Jim M Keifer Ben C Mueller Kelly Burleson Aubrey Johnson c N 3rd a r e el Joe M Haro ranco Alex Dingman Michael Sigerman 4th ld Mark iller David Hughes Jesse Cerda Mike Guerrero R e David yna Tom Moir Roy Thompson Keith Loeffler Crow Bill B Sweeten G e Ben Strickland l y a n Harry Hopkins M Bill M deaux Haro athews LeeRoy Luedecke Steve Gunter o ld W Kevin ore il Marv Ernest Aguirre G Leo Aguirre in Wa son J eff M oodrum g e ner Randy Evans Herman Roark Kit H aloney Troy Jordan ickma Ed Sziy n Tom Gould Ross Grief Ray Berry Mike Jones
Fourth Flight
John Thornton Bobby Doan Conor McInner ney Bill Evans David Knudsen Brad Dugas Todd Seidenschw artz David Huff Mike Ingram Billy Palacios Kyle Bond Larry Baker Clay Jett
1st 2nd Tie-3rd/4th Tie-3rd/4th
1st 2nd Tie-3 r Tie-3 d/4th rd/4t h
kerrvilletx.com
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December 2011
THE DIESEL DOCTOR
BUSINESS BAROMETER
SEPTEMBER 2011 830-895-2888 | 214 PETERSON DR. (PAST THE DEAD END SIGN)
2011
2010
Utility Connections Electric Meters
21,449
Active Gas Meters Active Water/Sewer
5,077 9,672
9,577
Month
2,696
2,308
Cumulative (Oct-Sept)
37,745
53,017
Tourist Inquiries at CVB
Financial Institution Deposits Bank of the Hills Guadalupe National Bank
330,101,223 74,994,748
HCSB expires 9/15/11
830-895-2888
www.thedieseldr.com
73,134,617 98,632,000
Security State Bank & Trust
114,343,097
105,610,661
Union State Bank
30,403,251
32,576,148
Wells Fargo Bank
270,003,000
N/A
BBVA Compass
92,000,000
City Sales Tax City Sales Tax Revenue - Month
358,320
369,252
City Sales Tax Revenue - Cumulative
4,590,611
4,484,929
4B Sales Tax Revenue - Month
179,133
184,602
4B Sales Tax Revenue - Cumulative
2,295,038
2,242,273
Month
204,979
212,952
Cumulative (Oct-Sept)
2,714,642
2,581,136
County Sales Tax Payment
Real Estate Statistics
Memory Care Residence
Residential Active
684
773
The Haven in the Texas Hill Country offers all the amenities of assisted living along with the support of a specially trained staff focused on the needs of residents with memory impairment. Call us today to learn more at 830.896.6555.
Residential Sold
39
41
All Residential Sales - Month
6,311,635
7,959,950
All Residential Sales - Cumulative
52,772,397
65,067,585
747 Alpine Drive • Kerrville, Texas 78028 830.896.6555 • www.haventexashillcountry.com Facility #100504 • ©2011 Five Star Quality Care, Inc.
kerrvilletx.com
29
Estate Planning for Grandparents by Lindsay Martin
W
hile my parents moved around the country quite a bit, my grandparents always lived in Texas. During summers my folks would let me get away from Detroit, or Chicago, or Mexico City, or where ever we were living that year, and I would return to Texas to be with them. The highlight of these summers were our Hill Country road trips. We’d drive to Bandera from Houston, and we’d take our time, especially in and around Kerrville. My grandparents not only introduced me to the Guadalupe and great barbeque: they also introduced me to the power of estate planning. Without their foresight I probably would never have gone to law school or have the career that I do today. I was able to reach as high as I my ability could take me in my education. That’s because of what my grandparents did for me. Their philosophy was pretty simple: financing their grandchild’s education was a double gift. It was a gift to me, their grandchild. But it
30
December 2011
was also a gift to my mother and step-father. They were relied on my grandparents, not for any money for them, but to help with my aspirations. When I look at my framed law degree, or think about what I would be doing if I wasn’t lucky enough to get into law school, I think about my grandparents. Their legacy wasn’t large in terms of dollars. But they fueled my dreams: from our trips around the Hill Country, and teaching me to ride a horse and shoot a shotgun, to helping out with the law school tuition I could not afford. So while I graduated with copious amounts of debt after obtaining my professional degree, my burden was managable instead of insurmountable. A few things have changed since the 1960s when my grandparents started their planning. There are new tools available, both under the laws of Texas and federal law. Here are a few ideas for grandparents who want to benefit their grandkids:
Wills and Lifetime Instruments: The legacy my grandparents left me would never have come to pass if they had not written it down. They both had Wills. These documents were not that complex, but they were critically important. Without a Will in place, the inheritance laws of Texas would have passed everything to my mother. While this is a logical and fair result, it’s not what my grandparents wanted. My mother was married and well-taken care of -- she was an adult and had a career. What my grandparents wanted to do was benefit their grandchild. And the only way to make sure that happened was to set down their wishes in their Wills. My grandparents also made sure that my mother and I had control of their finances and medical care when their health declined. Both of them executed financial Powers of Attorney, Medical Directives, and Medical Powers of Attorney. These documents were crucial in easing my grandmother’s last days at hospice. Trusts: Grandparents can create trusts for their grandchildren either in life or at death. If created through a Will, a grandparent can stipulate that his or her estate will pass to a trust for the benefit of a grandchild. Under laws in effect for 2011 and 2012, the value of this kind of trust can be $5 million without being subjected to either estate tax, or the additional tax that applies to gifts to grandchildren called the “generation-skipping transfer tax.” We’re not sure whether Congress will change those tax-free amounts in the upcoming years. While taxes motivate a lot of estate planning, my grandparents didn’t have a taxable estate -- not by a long shot. But they still used trusts. They created a trust in their Wills that was set up specifically to help with my education after the survivor passed away. That same kind of trust can be established during life. A grandparent can create a trust for the benefit of their grandchildren today, and give to it up to $5 million without facing any kind of
transfer tax. In fact, many of my clients are doing just that. A common kind of trust for grandchildren is that which is specifically set up for education. Generally, these kinds of trusts are structured so that when the youngest granchild gets a degree in higher education, the trust splits into shares for all the grandkids, allowing them to use his or her own trust fund for health, education, maintenance and support. It can be a really good idea to have a bank or trust company administer trusts for grandkids, but it’s really a case-by-case analysis. Gifts: Grandparents can directly pay for any kind of education (pre-school, primary, secondary, or college and post-graduate) without being subjected to any kind of gift tax. A direct gift to a grandchild is subject to a $13,000 annual gift tax exclusion per year. Gift over that amount must be reported to the IRS and reduce what a grandparent can leave tax-free at death, even if no tax is immediately due. Large lifetime gifts require some careful consideration. 529 Plans: These are special kinds of investment vehicles created by Congress to help fund educational expenses. I like to think of them like an IRA for college since they grow incometax free. While these kinds of plans are highly favorable for grandparents in states where there is an income tax (unlike in the Great State of Texas), they are still useful for Texas grandparents. The Texas Tomorrow Fund, our state’s Plan, gives grandparents a couple of options to fund their grandkids’ education. There’s a regular qualified 529 Plan, called the Texas College Savings Plan, and there’s another, called the Texas Tuition Promise Fund, that locks in today’s college costs for future years. Special tax rules allow grandparents to bundle up five years’ worth of their $13,000 gift tax exclusion for transfers to 529 Plans, essentially allowing a $65,000 per grandparent gift in a single year. Parental Authorization: A few years ago the Texas legislature passed a new law, and a very handy one at that for grandparents. When my parents
dropped me off for a summer of riding in the back of an Oldsmobile with my grandfather at the wheel, they left a note with my grandmother that said “To whom it may concern: my son is in my mother’s care.” The idea was that if my grandparents had to talk to a doctor or sign some document on my parents’ behalf, this slip of paper would let them do it. We never had to test it. Now, under Texas law, any parent can execute a document called a “Parental Authorization.” This is a powerful document that allows an adult sibling, aunt, uncle, or grandparent to take legal custody of a minor child. It allows the relative to control a child’s employment, physical location, and even direct medical care. For grandparents who have little visitors over the summer months, this document is a must. It is a legally binding document signed by both the parents and the grandparents, and it must be honored by third parties. While this legal instrument is only a few years old under Texas law, we are recommending all our clients with kids get one in place. If you’re a grandparent and you want to help your grandkids, the first step is to get it down in writing. Meet with your trusted advisor to talk about it. It can be a lawyer, accountant, or financial professional. You can’t leave a legacy to your grandchild without a plan. Lindsay Martin is a partner with Strasburger Price Oppenheimer Blend. Lindsay’s practice is focused on international and domestic planning and tax matters. He advises individuals, businesses, and financial services institutions on both domestic and international planning and tax matters. Lindsay is also Adjunct Professor of International Tax Law at St. Mary’s University School of Law, and is a frequent speaker at tax institute seminars and other continuing professional education seminars for attorneys, CPAs, and financial professionals.
kerrvilletx.com
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RIBB ON C UT TI NG S
premier designs jewelry The Kerrville Area Chamber of Commerce celebrated a ribbon cutting with Premier Designs Jewelry on October 28, 2011. Call them at (830) 285-0216 or e-mail belindae95@gmail.com.
hill country smiles The Kerrville Area Chamber of Commerce celebrated a ribbon cutting with Hill Country Smiles on October 20, 2011. They are located at 417 Tivy. Call them at (830) 896-5400 or visit www.hillcountrysmiles.com.
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December 2011
young's jewelers & guns
The Kerrville Area Chamber of Commerce celebrated a ribbon cutting with Young’s Jewelers & Guns on November 3, 2011. They are located at 2022 Sidney Baker. Call them at (830) 2573663 or visit www.youngsjewelers.com.
penni carr management & event services The Kerrville Area Chamber of Commerce celebrated a ribbon cutting with Penni Carr Management & Event Services on October 27, 2011. They are located at 407 Junction Hwy. Call them at (830) 315-5711 or (830) 459-5437, or visit www.pennicarr.com.
muzematic studios
cc insurance
The Kerrville Area Chamber of Commerce celebrated a ribbon cutting with MuzeMatic Studios on October 24, 2011. They are located at 1216 Broadway. Call them at (830) 895-5092.
The Kerrville Area Chamber of Commerce celebrated a ribbon cutting with CC Insurance on October 27, 2011. They are located at 407 Junction Hwy. Call them at (830) 315-5711.
cal-bob's smoke shack and Barbeque
central 16 emporium
The Kerrville Area Chamber of Commerce celebrated a ribbon cutting with Cal-Bob’s Smoke Shack and Barbeque on November 2, 2011. They are located at 3165 Fredericksburg Rd, and are open from 11 a.m. to 2 p.m. and 4 to 7 p.m. Monday thru Friday, and from 11 a.m. to 7 p.m. on Saturday. Call them at (830) 955-5369 or visit www.calbobssmokeshack.com.
The Kerrville Area Chamber of Commerce celebrated a ribbon cutting with Central 16 Emporium on Saturday, October 8. They are located at 3102 Fredericksburg Rd. Contact Craig Hawkins or Sabra Holmes at (830) 459-5705 or (830) 7926392. They are open from 10 a.m. to 5 p.m. on Saturday and 10 a.m. to 4 p.m. on Sunday. kerrvilletx.com
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M EM B E R M IX ER
1
Darrell Coleman and Jordan Hutchinson of Grape Juice
2
Kathrine, Cougar, and Jeff Seale of Adventure Boot Camp
3 Roy Thompson of Union
State Bank, Philip Stacy of Guadalupe National Bank and Larry Freeman of Questar Capital
4
Judy and Harold Wunsch of Wunsch Rental, Kacy Smith of Wells Fargo and Amber Dye of Guadalupe National Bank
5
Lee Vanacker, CPA, and Matt Sletten of Hill Country Property Management
6
Jonathan Buchanan and Gyanne Kuykendall of Morrison Supply
November’s Mixer was sponsored by Guadalupe National Bank
DON’T MISS THE NEXT MIXER 34
December 2011
December 15, 2011 • 6:45 - 8 a.m.
Holiday Breakfast hosted by Broadway Bank at the YO Hotel and Resort Conference Center
Contact the Chamber for more information
(830) 896-1155
We have the tools to help you reach your goals:
Your Hill Country Branch Team
From Left to Right: Millie Polk, Client Associate – Courtney Compton, Client Associate Susan Goodwin, Financial Advisor - Christian Matthews, Financial Advisor Jeff Talarico, Branch Manager-Financial Advisor, Robert Naman, Financial Advisor
Wells Fargo Advisors 305 Sidney Baker South Suite 100 Kerrville, TX 78028 830-792-4645 800-460-2434
Investment and Insurance Products: � NOT FDIC Insured � NO Bank Guarantee � MAY Lose Value Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company. ©2011 Wells Fargo Advisors, LLC. All rights reserved. CAR 0811-3882
Kerrville Area Business Magazine 120 Summer Loop Kerrville, TX 78028
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