Kirby Pines Retirement Community | The Pinecone

• 22 • The Pinecone | October 2026 ANSWERS TO PUZZLE CHALLENGE ON PAGE 17 SUDOKU NUMBER GAME These are the solutions to the puzzles located here Sudoku #055 (Medium) Sudoku #056 (Medium) Additional Sudoku puzzles as well as the solution to these two puzzles can be found at the following web page: https://www.puzzles.ca/sudoku These are the solutions to the puzzles located here Sudoku #055 (Medium) Sudoku #056 (Medium) Additional Sudoku puzzles s w ll as the solution to these two puzzles can be found at the f page: https://www.puzzles.ca/sudoku Sudoku #043 (Easy) Sudoku #044 (Easy) p s b Free Printable Sudoku Puzzles These are the solutions to the puzzles located here Sudoku #043 (Hard) Sudoku #044 (Hard) Additional Sudoku puzzles as well as the solution to these two puzzles can be found at the f page: https://www.puzzles.ca/sudoku PUZZLE 1: EASY PUZZLE 2: MEDIUM PUZZLE 3: MEDIUM PUZZLE 4: HARD PURPOSE BEFORE PRODUCTS – Part 2 For many investors, the answer seems simple: find the highest CD rate and reinvest . But before comparing rates, consider a more important question: “What is the purpose of this money?” At Your Family Matters, LLP Investment Advisors , that question is central to how we approach wealth management. We don’t begin by selecting a product. We begin by understanding your goals, time horizon, tax situation, and what you need your money to accomplish. CDs Serve a Purpose CDs can play an important role in a financial plan. They provide predictable interest and, when properly structured within applicable limits, FDIC insurance. For money that must remain safe and available, those features can be valuable. But a CD is primarily a savings strategy—not a complete investment strategy . Before automatically renewing a maturing CD, ask what job the money needs to perform. Income? Municipal bonds, fixed-income investments, dividend-paying securities, or other strategies may offer alternatives. For higher-income investors, after-tax return can matter most. Long-termgrowth? Holding substantial assets in savings vehicles for extended periods may allow inflation to erode purchasing power. Legacy? If the money is intended for children, grandchildren, or charities, consider investment growth, taxes, estate planning, and wealth-transfer objectives. Preservation? Insured savings may be entirely appropriate when protecting principal is the priority. Don’t begin with, “Who has the highest CD rate?” Begin with, “What do I want this money to accomplish?” Then choose the strategy designed to serve that purpose. Your Family Matters I vestment Advisors Call: (901) 563-7999 Email: info@yourfamilymatters.today Schedule Your Consultation www.yourfamilymatters.today MY CDs ARE SET TOMATURE WHAT SHOULD I DO?