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Other Senior care options in Texas:

Best Memory Care in Texas

Reviewed by Dr. Jordan Weiss
Updated Apr 2026
We analyzed 1,325 homes in Texas

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

Explore home photos

Video Tour: Top-rated Memory Care facilities in Texas.

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

Compare Memory Care around Texas The information below is reported by the Texas Health and Human Services Commission.

Click column headers to sort
Parkwood Assisted Living
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.

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.

Bedford
84Yes 34 --Lcs-Phc Llc321Studio / Suite / 1 Bed
Brookdale 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.

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
80Yes 11 48A+Esc Iv, L.p.707Suite
Atria Cinco Ranch
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.

Katy
78No 67 16-Arhc Soktytx01 Trs Llc303Studio / Suite / 1 Bed / 2 Bed
River Oaks
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.

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).

Coppell
86No 25 -A+Coppell Alf, Llc615Studio / 1 Bed / 2 Bed
Rosewood
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.

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.

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).

Flower Mound
86No 18 --Flower Mound Alf, Llc220Studio / 1 Bed / 2 Bed
Silverado Hermann Park Memory Care Community
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.

Houston (Houston Museum District)
-Yes 76 6-Silverado Hermann Park Llc725Private Rooms
Brookdale Willows Sherman
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.

Sherman (Post Oak Crossing)
75Yes 15 48A+Emeritus Corporation413Studio / 1 Bed / 2 Bed
Shavano Park Senior Living
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.

Shavano Park (Sonterra)
90No 16 11A+Meridian Shavano Park Al/Alz Oe Lp844Studio / 1 Bed / 2 Bed
The Auberge at Vintage Lake
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.

Houston
90No 63 11-Welltower Tenant Group Llc422Studio / Semi-Private
Caruth Haven Court
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.

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.

Dallas (Park Cities)
95Yes 75 11A+5585 Caruth Haven Opco Llc514Studio / 1 Bed / 2 Bed
The Auberge at Bee Cave
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.

Bee Cave
92Yes 10 11-Welltower Tenant Group Llc9901 Bed
Rio Terra
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.

New Braunfels (East Common Street)
75No 19 25A+Welltower Tcg Ridea Tenant, Llc220Studio / 1 Bed / 2 Bed
The Cottages at Clear Lake
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.

League City
72Yes 38 12-Clear Lake Cottages Ii Ltd3031 Bed / 2 Bed / 3 Bed
Arabella of Longview 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.

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.

Longview (East Hawkins Parkway)
92Yes 37 11A+Quality Senior Housing Foundation Of East Texas, Inc.0001 Bed / 2 Bed
Christian Care Communities and Services – Allen
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.

Allen
88No 53 9-Allen Senior Care, Llc17116Studio / 1 bed
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Overview of Touchmark at Emerald Lake

Conveniently situated in the serene neighborhood of McKinney, TX, Touchmark at Emerald Lake is an esteemed community that offers assisted living, independent living, and memory care. The community features snug and sophisticated studio, one-bedroom, and two-bedroom accommodations, alongside top-tier care and assistance tailored to residents’ unique needs, ensuring their comfort and safety. Here, residents have more time to do the things they love with a kind and highly skilled team helping with their day-to-day activities and household responsibilities.

With fun activities and enriching programs, residents are encouraged to interact with their surroundings and gain meaningful experiences. Three delicious and healthy meals are also served to cater to residents’ dietary needs and preferences. The community is equipped with state-of-the-art amenities, including a health and fitness studio, lounge areas, a theater, activity rooms, and scenic walking paths, making it an ideal retirement destination.

What does this home offer?

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Housing Options: Studio / 1 Bed / 2 Bed

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Building Type: Mid-rise

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Dining Services

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Beauty Services

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Transportation Services

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Housekeeping Services

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Recreational Activities

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Exercise Programs

Contact Touchmark at Emerald Lake

Overview of Sodalis Lake Jackson

Enchanting seniors with its warm and welcoming environment, Sodalis Lake Jackson is a distinguished senior living community set in the quiet lands of Oak Drive South, Lake Jackson, TX, that offers assisted living, independent living, memory care, and respite care. With cozy and elegant residences ranging from studio to two-bedroom floor plans, seniors live in comfort and style. Boasting a compassionate and highly skilled team, the community delivers top-tier care and support for seniors to thrive and live their best lives.

Mingle with friends and enjoy every moment of your best years through engaging activities and enjoyable programs. Have a delightful dining experience with delicious and healthy meals served three times a day to meet residents’ dietary needs and preferences. Sodalis Lake Jackson is great for seniors who want to live their golden years surrounded by beautiful spaces and a friendly community.

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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Building Type: Single-story

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Transportation Services

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Fitness and Recreation

Contact Sodalis Lake Jackson

Overview of Heritage Place Assisted Living

With seniors’ wellness in mind, Heritage Place Assisted Living set in the harmonious grounds of Old Highway 1187, Burleson, TX, is a venerable senior living community offering assisted living and memory care. Spend your golden years surrounded by cozy and well-designed accommodations of Heritage Place Assisted Living in a wide selection of private and semi-private studio, one-bedroom, and two-bedroom floor plans. A dedicated and highly skilled team delivers top-tier care and support around the clock for seniors to maximize their independence.

Heritage Place Assisted Living conducts engaging activities and enjoyable programs to ensure residents experience a happy and well-rounded retirement. Indulge in healthy and tasty meals catering to dietary needs and preferences. Enveloped by peaceful views and fabulous amenities, Heritage Place Assisted Living is a great place for seniors to thrive in their golden years.

Contact Heritage Place Assisted Living

Overview of Brookdale Mansfield

Awarded #1 in Customer Satisfaction, Brookdale Mansfield provides exceptional assisted senior living services. The home strives to enhance the quality of life of seniors needing quality assistance. They offer options that cater to each individual’s needs. As a Brookdale Senior Living Group member, Mansfield guarantees a resident-centered atmosphere for seniors, promoting a comfortable living situation.

The lifestyle at Brookdale is designed to make lives safe and convenient for everyone. Its all-inclusive amenities and services include spacious common areas, recreational rooms, housekeeping, and transportation services. Management prides itself on its approach to modern assisted living care, which is unparalleled thanks to its remarkable care staff that never fails to offer compassionate care.

Contact Brookdale Mansfield

Overview of Simpatico Cielo Vista

Simpatico Cielo Vista, located in El Paso, Texas, is committed to the well-being and dignity of memory care and assisted living residents. The Simpatico Way is a holistic approach, integrating cognitive stimulation, physical engagement, and social connectivity within a nurturing environment. Embracing intergenerational relationships, Simpatico empowers staff and families to contribute actively, creating an uplifting atmosphere. The community prioritizes individual needs to preserve residents’ dignity and individuality.

In Simpatico’s Memory Care program, each resident receives personalized attention through a Person-Centered model. Tailored Resident Plans support individual interests and abilities, incorporating activities like fitness classes, musical entertainment, creative art expression, and community trips. Simpatico’s home-style setting enhances each resident’s life experience, focusing on cognitive and sensory stimulation, physical engagement, and fostering social interactions. Activities range from reminiscence therapy and sensory-rich experiences to physical exercises, social discussions, and intergenerational activities, ensuring a comprehensive approach to residents’ well-being. 

What does this home offer?

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Housing Options: Studio / Suite

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Building Type: Single-story

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Transportation Services

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Fitness and Recreation

Contact Simpatico Cielo Vista

Overview of Heritage at Eldridge Parkway

Nestled on Eldridge Pkwy in Houston, Texas, The Heritage at Eldridge Parkway is a high-quality residential community specializing in personalized dementia and Alzheimer’s care for seniors. This warm and inviting community provides a supportive environment for individuals navigating memory loss, fostering understanding and compassion.

The Heritage at Eldridge Parkway offers amenities such as restaurant-style dining, kitchenettes, and telephones within bedrooms, contributing to a sense of community and overall well-being. Experience the cozy, homey atmosphere and the warm smiles that define this vibrant senior living community, where each resident is embraced with care and dignity. Under the guidance of a compassionate team, residents at The Heritage at Eldridge Parkway are encouraged to build new connections, continue personal growth, and find joy even in challenging times. Families are not left to navigate this transitional period alone, as the community ensures they receive the necessary support, ensuring their loved ones receive the care and attention they deserve.

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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Building Type: Single-story

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Social and Recreational Activities

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On-site Medical Care and Health Services

Contact Heritage at Eldridge Parkway

Overview of Harborchase of Plano

HarborChase at Plano, located in Plano, TX, is a senior living community that offers both assisted living and memory care services. Their assisted living services feature a person-centered approach providing the perfect balance of assistance and independence to its residents; from 24/7 supervision and availability of staff, to assistance with daily living activities such as bathing, grooming, toileting, and transferring.

HarborChase at Plano also provides fine dining experiences where meals are served and prepared with consideration to the residents’ needs. They also curate different activities and programs that promote physical and mental wellness as well as socialization and spiritual well being.

What does this home offer?

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Minimum Age: 55

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Pets Allowed: Yes, Pets Allowed

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Transportation Services

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Overview of Mackenzie Court

Mackenzie Court is a senior living community under 12 Oaks Senior Living, located in Lubbock, TX. They offer pet friendly studio and one bedroom living options, equipped with kitchenette and private bathrooms, and generous closet space. Their living options also come with carpeting, individual heating and air conditioning, and emergency systems like smoke detectors and sprinklers. Part of the services they provide in assisted living includes personalized care plans with 24/7 support from full time registered nurses, medication management, and assistance with daily living activities.

The residents of Mackenzie Court also enjoy a variety of amenities such as social and wellness programs that fosters engagement and camaraderie, grooming services, meal provisions prepared with consideration to dietary needs, and access to facilities like lounges, and activity rooms. This senior living community is also dedicated not just to provide the care their residents need, but also the comfort of living a worry-free life, offering housekeeping and laundry services to remove the stress of doing energy consuming chores.

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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Room Sizes: 308 / 420 sq. ft

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Housing Options: 1 Bed

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Building Type: Apartments

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Overview of The Philomena

The Philomena, located in Kyle, TX, is a distinguished senior living community catering to the unique needs of its residents with unwavering dedication. Offering a harmonious blend of assisted living services and specialized memory care, The Philomena takes pride in its 24/7 availability of assistance, providing residents with peace of mind knowing that help is always available. The Philomena also provides specialized programs specifically designed for residents with Alzheimer’s and other forms of dementia, offering compassionate care and stimulating activities that enhance cognitive function. Moreover, the community offers incontinence care, ensuring residents’ comfort and dignity in their daily lives.

Beyond the essential services, The Philomena fosters a vibrant atmosphere where residents can thrive both physically and socially. The community encourages an active lifestyle through tailored physical activities that promote fitness and overall well-being. Additionally, the community offers meals provisions, personalized medication management, grooming services, and comprehensive housekeeping and laundry assistance.

What does this home offer?

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Room Sizes: 264 - 273 / 270 / 306 / 336 / 379 / 488 sq. ft

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Housing Options: Studio / 1 Bed

Contact The Philomena

Overview of Brookdale White Rock

Nestled in the neighborhood of Lake Highlands in Dallas, Texas, Brookdale White Rock offers a safe environment and exceptional memory care for those with Alzheimer’s disease or other forms of dementia. The carefully designed building, nurturing and trained staff, visual reminders, and familiar routines help residents maintain a sense of identity and purpose, even with dementia.

Brookdale White Rock’s memory care program is rooted in a person-centered approach, helping residents find a sense of belonging and purpose while preserving their individuality. The community supports person-centered partnerships between residents and their care partners to encourage familiarity and relationship-rich care at all stages of the disease. Residents engage in a variety of activities designed to help them live their best lives and preserve their independence, such as sports, socializing, reminiscing, playing cards, and tending to the garden in the secure outdoor courtyard. The community provides three home-style meals and snacks daily, with a routine dining experience to alleviate confusion and stress for residents

What does this home offer?

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Pets Allowed: Yes, Pets Allowed

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Housing Options: Studio

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Building Type: Single-story

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Transportation Services

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Fitness and Recreation

Contact Brookdale White Rock

Assisted Living Magazine Ranking Methodology

View Full Ranking Methodology

How We Score & Rank Senior Living Communities

Assisted Living Magazine ranks memory care communities using a rigorous, data-driven scoring model built specifically for memory care.
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.

Contact us Today

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.