Kirby Pines Retirement Community | The Pinecone

The Pinecone | September 2026 • 23 • In Memory Of NITA HEFFERNAN Donation by Betty Terry to the Library/Large Print Books Donation by Lois Dazey to the General Fund Donation by Marilyn Wray to the Ham-ateurs Donation by Sydney Wagner to the Book Baggers JIM GORDON Donation by Marilyn Wray to the Ham-ateurs Donation by Sydney Wagner to the Book Baggers BILL RAMIA Donation by KP Resident Association to the Painters & Fiber Artists Donation by Sydney Wagner to the Book Baggers JOAN ADAIR Donation by KP Resident Association to the Painters & Fiber Artists Donation by Sydney Wagner to the Book Baggers BETTY GRAY Donation by Sydney Wagner to the Book Baggers In Honor Of MIKE HUFNAGEL Donation by Arrena & Richard Cheek to the Employee Fund MARK MAXWELL Donation by Fritz Crombie to the Hobby Shop Memorials, Honorariums & Gifts Purpose Before Products: A SmarterWay to Invest “Is this a good investment for my portfolio?” It is one of the most common questions investors ask—and the answer begins with questions of our own. What is this money intended to accomplish? When will it be needed? How much risk is appropriate? What tax considerations should influence the strategy? At Your Family Matters Investment Advisors, we believe every dollar should have a purpose. That is why we do not begin by selecting a stock, fund, annuity, or other financial product. We begin by understanding you. Your Goals Define the Strategy Consider an accomplished couple entering retirement with substantial savings. Some assets may be needed to generate dependable income. Others may be reserved for healthcare expenses, future opportunities, charitable giving, or the next generation. Although the money belongs to the same family, each portion has a different purpose—and may require a different strategy. The same principle applies when certificates of deposit mature and renewal rates decline. The question is not simply, “Where can I earn more?” A better question is, “What must this money do, and how much liquidity and risk can I accept?” Age alone should not determine whether an investment is appropriate. Roth IRA assets intended for heirs, for example, may have a much longer time horizon than funds needed for current living expenses. Advice Built Around Your Financial Life Your Family Matters Investment Advisors helps individuals and families coordinate their investments with their retirement-income needs, tax considerations, estate- planning objectives, risk tolerance, and legacy goals. Our value is not based on promoting a particular product. It comes from listening carefully, examining the complete financial picture, and recommending strategies designed around clearly defined objectives. For high-net-worth investors, this coordinated approach is especially important. Greater wealth often brings greater complexity—and investment decisions should work together rather than exist as a collection of unrelated accounts and products. Your portfolio should reflect more than your age. It should reflect your purpose, priorities, and vision for the future. Let’s begin with a conversation about what your money needs to accomplish. Your Family Matters Investment Advisors Call: (901) 563-7999 Email: info@yourfamilymatters.today AGE APPROPRIATE INVESTING