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Other Senior care options in Nevada:

Best Assisted Living in Nevada

Reviewed by Dr. Jordan Weiss
Updated Apr 2026
We analyzed 409 homes in Nevada

Sources: CMS Centers for Medicare and Medicaid Services, and Nevada Department of Health, Office of Aging and Long Term Care.

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Video Tour: Top-rated Assisted Living facilities in Nevada.

Watch this Video to see Nevada's Top-rated Senior Communities
Other Senior care options in Nevada:

Compare Assisted Living around Nevada The information below is reported by the Nevada Department of Health and Human Services, Bureau of Health Care Quality and Compliance.

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MorningStar Senior Living at The Canyons
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

IL

Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.

MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Las Vegas (Summerlin North)
93No 26 Private Suite1 82.8% -30362.0Paul Ortega
San Martin Senior Living
IL

Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.

AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Las Vegas
150Yes 44 Studio / Suite / 1 Bed18 56.0% A+-40491.2Aleksandrina Betancourt
Brookdale Vista
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

Sparks
74Yes 40 Studio / 1 Bed48 73.0% A+-281595.7Molly Ratfield
Kiley Ranch
MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

Sparks (David Allen Parkway)
104No 8 Independent Living, Assisted Living Beds (Low Income), Assisted Living (80), Alzheimer's Care (24)3--24600.0Stacey Taylor
Silverado Red Rock Memory Care Community
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

Las Vegas (Twin Lakes)
72Yes 56 Private Rooms4 65.3% -729394.3Penny Munn
Atria Summit Ridge
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

IL

Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.

Reno (Summit Ridge Drive)
85Yes 41 Studio / 1 Bed28 87.1% --311414.5Brian Newman
Kiley Ranch Senior Living
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Sparks (David Allen Parkway)
104No 8 Studio / Suite / 1 Bed / 2 Bed3 79.8% -2466811.3Stacey Taylor
Valage Senior Living at Carson Valley
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Minden
116Yes 47 Studio / 1 Bed / 2 Bed---46100.0Tamra Tsanos
Truewood by Merrill, Henderson
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

IL

Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.

MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Henderson (2910)
116Yes 59 Studio / 1 Bed / 2 Bed23 46.6% --33361.1Traci Hollingsworth
Sunrise of Henderson
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

Henderson
105Yes 75 Studio / 1 Bed / 2 Bed18 84.8% A+4535471.3Ashlee Jensen
Advanced Health Care of Las Vegas
NH

Nursing Home Licensed facility providing 24/7 skilled nursing care for residents with complex, ongoing medical needs. Staffed by RNs, LPNs, and CNAs. Inspected and star-rated annually by CMS. Accepts Medicare (short-term rehab) and Medicaid (long-term care).

AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

Las Vegas
38No 23 Independent Living, Assisted Living Beds (Low Income), SNF (Skilled Nursing) (38)15 89.5% --472044.3Robert Jewett
Advanced Health Care Of Paradise
NH

Nursing Home Licensed facility providing 24/7 skilled nursing care for residents with complex, ongoing medical needs. Staffed by RNs, LPNs, and CNAs. Inspected and star-rated annually by CMS. Accepts Medicare (short-term rehab) and Medicaid (long-term care).

AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

Las Vegas
38No 76 Independent Living, Assisted Living Beds (Low Income)7 92.1% A+-23773.3Lupeni Matangi
Villa Court Assisted Living
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

Las Vegas
69Yes 56 Independent Living, Assisted Living Beds (Low Income), Assisted Living (69)8 88.4% --12322.7Marcus Pegross
Brookdale Las Vegas
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Las Vegas
105No 45 Studio / Suite48 65.7% A+161113212.9Christopher Mirando
Clearwater at Rancharrah
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Reno
142No 47 Studio / 1 Bed / 2 Bed1 83.1% -388496.1Apolinario Gozon
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Overview of The Chateau at Gardnerville

Discover The Chateau at Gardnerville, a unique sanctuary in Nevada, seamlessly combining memory care and assisted living to provide unwavering support and comfort. Amidst the serene backdrop, this community redefines senior housing with modern fixtures, essential amenities such as grab bars, individual climate control, and efficient housekeeping services. Welcoming small pets, the charming front porch offers a peaceful spot for relaxation, reflecting the welcoming atmosphere that extends throughout The Chateau.

The Chateau enjoys close proximity to the Carson Valley Medical Center, providing reassurance in addressing aging-related concerns. Here, a balanced array of amenities unfolds, including an on-site salon and a well-curated library, while paved walking paths encourage exploration. The culinary experience takes center stage with chef-prepared meals, served seasonally for a delightful dining journey. A fitness center promotes an active lifestyle. The spirit of connection is embodied through memory care support groups and the community’s commitment to family involvement. For those seeking assisted living with memory care, The Chateau stands as a symbol of support, bridging comfort and community to offer each resident a sense of belonging and care.

What does this home offer?

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Pets Allowed: Yes, Pets Allowed

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Housing Options: Studio / 1 Bed / 2 Bed

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Fitness and Recreation

Contact The Chateau at Gardnerville

Overview of Mountain Lakes Estates

Mountain Lakes Estates is a stellar independent living, assisted living, and memory care community for residents looking to find an upscale home that is built based on the convenience and comfort of their residents. The striking elegance of the community calls on for its residents to expand their vibrant social lives.  They are currently under new management and thus have raised the standard for senior living in Reno where residents can grow humbly. Mountain Lakes is an exceptional retirement home that promises living like a very important person in a community that puts them first and promotes an elevated luxurious lifestyle.

Mountain Lakes t’s able to promote flexibility and healthy living through their health and wellness program that gives an array of activities that will maximize optimum fitness, nutrition, and well-being of its residents.

What does this home offer?

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Minimum Age: 55 Years Old

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Room Sizes: 391-602 / 595-810 / 870 sq. ft

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Housing Options: Studio / 1 Bed / 2 Bed

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Building Type: Mid-rise

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Fitness and Recreation

Contact Mountain Lakes Estates

Overview of Inspired Senior Living of Las Vegas

A community that is centered on holistic wellness of each resident, Inspired Senior Living promotes an active lifestyle. Seniors at Inspired are being celebrated for their individuality. Inspired Senior Living is well-appreciated by their resort-like hospitality making residents feel dignified and important– as they should because they are the top priority of the community. Residents are guaranteed to receive compassionate and kind quality of care that is guaranteed to fulfill their individual needs. Inspired Senior Living, as the name suggests, aims to inspire their residents to reach for a fulfilling life during their retirement years.

The community consists of an array of amenities and services that residents are able to access: cafe, private dining room, indoor atrium; as well as arts and crafts center, game room, and putting green– all maximized for recreational activities. Inspired Senior Living’s essential services include daily meals provided as well as guests meals devoured at their restaurant-style dining; WiFi access all throughout the building. Some apartments are inclusive of wheelchair accessible showers, kitchenette, and satellite TV– all designed to make the building and community accessible to everyone.

Contact Inspired Senior Living of Las Vegas

Overview of Heritage Springs

Heritage Springs is a community that balances the wonders of suburban living and city life. Heritage Springs offers assisted living and memory care communities that promote an active lifestyle for the seniors.  The elegant community that nestles within scenic views promotes an invigorating and spirited experience while needing assistance. A delightful approach to senior living, the community has provided a warm and welcoming environment that has allowed residents to feel comfortable and confident in their ability to make the most of their surroundings. Heritage Springs prides itself in offering a home-like and inviting environment that aims to fulfill an enthusiastic and enhancing freedom for the elderly.

The community is safe with their 24-hour security to make seniors and families feel assured. They also provide a 24-hour supervision that allows for a guaranteed immediate attention to whatever need arises. Heritage Springs has thoughtfully designed the place where all residents get seamless access to their amenities–to name the key features would be their fitness center, courtyards, entertainment, and activities. The amenities and services are designed to promote a high-quality atmosphere that only gives the best and unique care for their residents. 

What does this home offer?

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Pets Allowed: Yes, Pets Allowed

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Building Type: Apartment

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Transportation Services

Contact Heritage Springs

Overview of Sun City Anthem Center

Sun City Anthem Center boasts a splendid future for seniors in their retirement community because it allows residents to choose a lifestyle that fits their needs freely. An active 55+ independent living community, management encourages residents to live vibrantly by socializing and making meaningful memories with people their age. The professional and compassionate staff practices a resident-centered approach where seniors can thrive while living a lovely life.

Sun City’s all-inclusive services and amenities include medication management, supervised care, specialized programs, engaging activities, and ADLs for stress-free living.

What does this home offer?

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Minimum Age: 55 Years Old

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Pets Allowed: Yes, Pets Allowed

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Housing Options: Private Rooms

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Building Type: Two-story

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Transportation Services

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Contact Sun City Anthem Center

Vista Pointe at Mira Loma

2520 Wigwam Pkwy, Henderson, NV 89074
Overview of Vista Pointe at Mira Loma

Vista Pointe at Mira Loma is a 138-bed assisted living and memory care community in Henderson, Nevada, operated by Prestige Care under state classification as a Residential Facility for Groups. The facility opened in 2025 and serves residents across two primary care tracks: apartment-style assisted living for individuals requiring medication management and personal support, and the Expressions memory care neighborhood for residents managing dementia or Alzheimer’s disease. Current occupancy stands at 48 percent (66 beds occupied), indicating the community is in its early operational phase.

Nevada’s Department of Health and Human Services surveyed the facility on August 27, 2025, and documented 13 deficiencies involving medication review procedures, employee training compliance, personnel file documentation, and infection control measures. Specific patterns emerged across inspections showing gaps in staff training for dementia and mental illness care, missing personnel certifications, and incomplete medical record maintenance. The state imposed no enforcement actions, fines, or license restrictions. With only one inspection since opening, Vista Pointe at Mira Loma’s deficiency count of 13 is substantially lower than Nevada’s average of 62, though the facility’s compliance trajectory requires continued monitoring.

Amenities include a fitness center, bistro dining with restaurant-style meal service, and activity programming spanning Vibrant Living events, cognitive games, and wellness-focused classes. Therapy and rehabilitation services are available, as is respite care for temporary residential needs. The community operates Graceful Dining and Health and Wellness programs designed for sustained engagement. A Registered Nurse oversees clinical operations; state ratios mandate one caregiver per six memory care residents, while assisted living staffing adjusts to individual resident acuity. Veterans Benefits support is available to qualifying residents. Administrative hours run Monday to Friday, 9 a.m. to 5 p.m., with 24-hour emergency call systems in all units.

Location-wise, the facility sits within a residential neighborhood near the 215 freeway, within 2.3 miles of Dignity Health St. Rose Dominican Hospital’s Siena Campus. Green Valley Ranch Resort, dining, and nature trails are accessible nearby. Prestige Care operates this community as part of a larger portfolio; the company was founded in 1985 and now manages over 75 communities across seven western states including Oregon, Washington, California, Arizona, Nevada, Idaho, and Montana.

Resident and family reviews emphasize staff compassion, personal attention to individual needs, and cleanliness throughout the facility. Many reviewers cite specific caregivers and activity coordinators by name, describing seamless transitions and responsive management.

Families considering Vista Pointe at Mira Loma should prioritize direct conversations during tours about current staffing levels and turnover in nursing and care leadership roles, medication administration oversight, infection control practices from the most recent inspection period, and memory care activity frequency. Observing a meal service or visiting during active programming can clarify whether the community’s operational approach aligns with family needs.

What does this home offer?

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Pets Allowed: Yes, Pets Allowed

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Room Sizes: 285 / 289 / 295 / 319 / 400 / 705 sq. ft

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Housing Options: Studio / 1 Bed / 2 Bed / Private Suite / Companion Suite

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Building Type: 2-story

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Exercise Programs

Contact Vista Pointe at Mira Loma

Overview of Highland Village of Elko

Highland Village of Elko is a not-for-profit retirement community in Elko, NV, that offers a wide range of care options, ranging from assisted living to skilled nursing. With exceptional support around the clock, residents are guaranteed to receive the utmost attention and care for their healthcare needs. Meal preparation and household services are also available, so residents can focus on themselves.

Here, residents are encouraged to live actively and connect with friends through a variety of recreational activities and wellness programs. Transportation services are also available, ensuring residents can travel to their appointments safely. Rehabilitation services and outpatient therapy are also available to help enhance residents’ living experiences. The community is ideal for those seeking comprehensive care to live comfortably in their later years.

What does this home offer?

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Housing Options: Private Suites

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Contact Highland Village of Elko

Overview of Promenade on the River

Live blissfully at Promenade On The River, an idyllic retreat in Reno, NV, offering independent living. The community features beautifully furnished and spacious accommodations, striving to meet residents’ preferences. Housekeeping, maintenance, and concierge services are provided, ensuring residents enjoy a hassle-free lifestyle.

With a variety of enriching programs and recreational opportunities, residents are encouraged to live actively and make new friends. Delectable and healthy dining options are served to satisfy residents’ dietary needs and preferences. Residents can easily access thriving local amenities and various recreation sites, especially with transportation services. The community is great for those looking to live independently in retirement.

What does this home offer?

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Housing Options: Studio / 1 Bed / 2 Bed

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Building Type: 3-story

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Housekeeping Services

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Parking Available

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Swimming Pool

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Security Systems

Contact Promenade On the River

Overview of Avenir Memory Care – Las Vegas

Cherish every moment of your golden years with Avenir Memory Care, a dedicated community in Las Vegas, NV, focusing on memory care. For those with memory-related needs, the community provides top-notch care with a kind and highly trained team available 24/7. With its nourishing and welcoming environment, residents are guaranteed to live comfortably in their golden years.

Utilizing a holistic approach to care, encompassing physical, emotional, and mental wellness, residents can keep peace of mind and gain meaningful experiences. A thoughtfully calendar of stimulating activities and engaging programs is also conducted to improve residents’ cognition. Delightful and healthy meals are also served to meet residents’ dietary needs and preferences. The community is ideal for those seeking assistance to maintain their dignity despite their conditions.

What does this home offer?

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Housing Options: Private Rooms

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Building Type: Single-story

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Health Programs

Contact Avenir Memory Care – Las Vegas

Overview of Summerset Senior Living – Reno

Summerset Senior Living – Reno offers a welcoming independent living and assisted living atmosphere for seniors in Reno. This community offers a nurturing, home-like environment where residents are treated like family, cultivating a sense of belonging. The senior living experience is built on an active and comfortable lifestyle that encourages a sense of individuality and independence while receiving an unwavering amount of support.

Summerset Senior Living – Reno has designed a community that assists residents from every minor to major activities of daily living. Featured accommodations include scheduled housekeeping, delicious meal plans, calendar-filled activities, and life-enriching programs to name a few. Summerset Senior Living of Reno also provides premier memory care and adaptive care on its campus. These services can be found at 6205 Sharlands Ave, Reno NV, 89523.

What does this home offer?

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Housing Options: Private Rooms

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Building Type: Two-story

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Contact Summerset Senior Living – Reno

Assisted Living Magazine Ranking Methodology

View Full Ranking Methodology

How We Score & Rank Senior Living Communities

Assisted Living Magazine ranks assisted living communities using a rigorous, data-driven scoring model built specifically for assisted living.
Because this care level is regulated, clinical outcomes and compliance carry significantly more weight than transparency or digital presence. Each community receives a ranking based on the factors below, weighted according to their importance in predicting resident safety, care quality, and long-term stability.

Update cadence: Reviewed quarterly, with prompt updates when new reviews, reports, or complaints are filed.

What We Prioritize Most

The largest portion of every community’s score comes from resident feedback and online reputation (40%), which reflects real experiences shared by families and caregivers.

An additional 45% of the score comes from a combination of transparency and operational quality signals, including:

  • Photos, videos, and virtual tours (visual transparency)
  • Website quality and digital trust indicators
  • Occupancy levels and number of units (community scale & stability)

These factors help us evaluate how well a community presents itself and how consistently it meets resident needs.

Balancing Additional Factors

The final 15% of the score comes from supportive context data, including: walkability and local accessibility, estimated property value, and pricing information.

These elements provide helpful context but carry less weight because our rankings prioritize real-world satisfaction and care consistency first.

The result is a fair, clear, and data-driven ranking system for families researching senior living options.

Who we are

Your Senior Care Partner, Every Step of the Way

We help families find affordable senior communities and unlock same day discounts, Medicaid, and Medicare options tailored to your needs.

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Frequently Asked Questions

What government services provide money for senior housing?

Several government programs offer financial assistance for senior housing in various countries, focusing on the United States for a broad overview:

  • Medicaid: Medicaid is a state and federally funded program that can cover the costs of nursing home care for those who meet eligibility criteria, including income and asset limits. Some states also offer Medicaid waivers that help pay for home and community-based services to prevent or delay nursing home placement.
  • Medicare: Medicare, primarily a health insurance program for people aged 65 and over, does not cover long-term housing costs. However, it can cover short-term stays in a skilled nursing facility under specific conditions following a hospital stay.
  • Section 202 Supportive Housing for the Elderly Program: This program provides housing for low-income seniors. It offers rental assistance and access to supportive services, such as cleaning, cooking, and transportation.
  • Low-Income Housing Tax Credit (LIHTC) Properties: While not a direct subsidy, LIHTC encourages developers to create affordable housing. Seniors with low incomes can find reduced-rent apartments through this program.
  • State and Local Programs: Many states, counties, and cities offer their own programs to assist seniors with housing costs. These can include property tax relief programs, rental assistance programs, and programs that offer affordable senior housing options.
  • Veterans Affairs (VA): The VA offers several programs for veterans, including the Aid and Attendance benefit, which provides monthly payments to veterans who require the aid of another person, or are housebound, to help cover the cost of care in homes, nursing homes, and assisted living facilities.
  • Social Security: While Social Security primarily provides retirement income, for many seniors, these benefits are a crucial part of their budget, including housing costs.
How do you pick the homes you recommend?

Before recommending homes, we conduct a thorough evaluation on crucial factors that define a senior home such as the quality of care they provide, the reputation of the organization, and a comprehensive review of community testimonials as well. Every detail is assessed to assure that seniors are offered not just senior care options, but trustworthy homes where they can experience the care that they deserve.

Do you help families that need Medicaid?

Yes. Assisting families who need Medicaid is important to us as it plays a crucial role in offering financial support to seniors confronting economic challenges. We would like to keep essential healthcare services accessible to all community members, irrespective of one’s financial circumstances.

How much does this service cost?

We extend our services at no cost, ensuring that families and seniors can benefit from tailored assistance in their search for care and home options. Our ability to offer personalized guidance without charge to families and seniors is made possible through the support and funding from the communities with which we team up. 

What services do you offer?
  • Finding and ranking the best assisted living facilities
  • Finding and ranking the best nursing homes
  • Finding and ranking the best memory care facilities
  • Our concierge service helps seniors move into the perfect home for them
  • Helping seniors use medicare, medicaid, and other government programs to pay for their homes
  • Helping seniors avoid senior homes that have bad service or fraud
  • Autobiography & Family History Writing + Research
  • Senior-focused concierge medicine
  • Senior-focused nutritionist
  • Senior-focused personal training
  • Memory care specialists
  • Custom wheelchairs at all price points.
  • Custom hearing aids
  • Cosmetic skincare + dermatology
  • Companionship: We offer in-person and virtual companionship services. Someone engaging to hang out with or talk to on video chat.
  • Senior housing concierge. Our service finds the best senior living options based on your needs, income, and personality.