August 2026 ALT Magazine by ALT Magazine

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August CONTENTS AUGUST 2026 / VOLUME 20 / ISSUE 8

EDITOR IN CHIEF / PUBLISHER Alyssa Jensen SALES & MARKETING Alyssa Jensen PHOTOGRAPHY Alyssa Jensen FEATURES EDITOR Michelle Horton CONTRIBUTING WRITERS Alyssa Jensen Dustin Stringer Suzie Tyler If you have an event you would like to include in our Upcoming Events section, please e-mail us at: alyssa@alt-mag.com.

A LT - M AG . c o m info@alt-mag.com ALT Magazine is published the 1st business day of every month. Reproduction in whole or part without written permission of ALT Magazine is strictly prohibited. ALT Magazine is distributed free of charge. Direct mail subscriptions are available for $60.00 per year. Contributions from our readers are welcome. We reserve the right to edit or reject any material.

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10 TEXARKANA GAMEDAY 16 BARNETT WELLNESS CLINIC 20 DOMINO CREDIT UNION 24 FARMER’S BANK & TRUST 28 BIG MIKE’S HEATING & AC 30 FAMILY EYE CARE CLINIC 32 STEWART TITLE 34 FARMER’S MORTGAGE 43 SUZIE TK SNIPPETS 44 FINANCIAL FOCUS F o r ad vertisin g in formatio n , email alyssa@ alt-mag.c o m

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A NOTE From

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Welcome Back to School. Welcome Back to Community. August always seems to arrive with two things: the hottest days of summer and the anticipation of a brand-new beginning. While summer has been filled with vacations, camps, family time, and a chance to slow down, August signals that it is time to look ahead. Parents are gathering school supplies, students are preparing for a new year, educators are decorating classrooms, and businesses throughout our community are ready to welcome another school season. When I think of August, I immediately think of band camp.

Those early mornings and long afternoons in the Texas heat were exhausting, but they are some of my favorite memories. We practiced for hours under the blazing sun, convinced the day would never end. Looking back, however, it was never really about the heat or the rehearsals. It was about being part of something bigger than ourselves. We shared a common purpose, worked toward the same goal, and knew that all our effort would eventually bring joy to the people watching from the stands. There was something truly special about that. In many ways, our community operates the same way. As backpacks are filled, lunchboxes packed, and alarm clocks set a little earlier, countless people are preparing to invest in the next generation. Teachers, administrators, bus drivers, cafeteria workers, custodians, coaches, school nurses, and volunteers all play an important role in creating an environment where students can learn, grow, and thrive. Every contribution matters, and together they make a lasting difference. Supporting students extends far beyond the classroom walls. Local businesses sponsor school programs and athletic teams. Nonprofit organizations provide school supplies. Churches mentor students and encourage families. Healthcare professionals care for the physical and emotional well-being of our children. Every sector of our community helps strengthen the foundation on which our students build their futures.

That is exactly what inspired this month’s issue: Back to School: Back to Community. Inside these pages, you will meet people and organizations making a meaningful difference across Texarkana. Morgan Smith of Texarkana Gameday shares how local sports coverage connects communities and celebrates student-athletes. Grant Barnett of Barnett Wellness Clinic offers valuable insight into supporting the mental health of students and families throughout the school year. Farmers Bank & Trust and Domino Federal Credit Union offer financial guidance and community involvement to help families prepare for both the school year and the future. As another school year begins, I encourage each of you to look for opportunities to invest in our community. Shop with local businesses. Attend school events. Cheer for our student-athletes. Support the fine arts. Celebrate the accomplishments of our teachers and students. Every football game, band performance, open house, fundraiser, and community gathering strengthens the relationships that make Texarkana such a wonderful place to call home. For our local businesses, this season presents a unique opportunity to give back. Whether it is sponsoring a team, donating supplies, recognizing educators, or simply welcoming families through your doors, every act of generosity helps build a stronger community. The smallest gestures often leave the greatest impact. As we begin another school year, may we remember that thriving communities are built when everyone chooses to show up for one another. Together, we can encourage the next generation while strengthening the place we are all proud to call home. Welcome back—to school, to community, and to all the possibilities this new season will bring.

Alyssa Jensen

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SPORTS

TEXARKANA GAMEDAY TEXARKANA GAMEDAY: BUILDING COMMUNITY ONE STUDENT-ATHLETE AT A TIME

WRITTEN BY: MICHELLE HORTON

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What began as a vision to give local athletes greater exposure has grown into a regional sports media company celebrating the stories, dedication, and accomplishments of student-athletes across the area. When the lights come on Friday night, the crowd fills the stands, and the first whistle blows, there is much more happening than a game being played. Behind every athlete is a story of dedication, sacrifice, teamwork, and perseverance. Behind every team is a community of coaches, teachers, parents, volunteers, and supporters who invest countless hours into helping young people succeed. For Texarkana Gameday, those stories are worth telling. Founded in 2019 by Morgan Smith, Texarkana Gameday began with a simple mission: to celebrate local student-athletes and provide them with a platform to showcase their accomplishments. What started as a small idea has grown into a regional sports media company reaching families, fans, schools, and communities far beyond the original vision. “The idea started in late July 2019. By August 1st, 2019, we were live,” Smith says. “Working in sports marketing professionally, I knew there was a void in high school sports when it came to exposure. I wanted to be the person to fill that void.” The company that exists today looks different from the original plan. Like many businesses, Texarkana Gameday experienced unexpected changes during the COVID-19 pandemic. Those challenges forced the team to adapt, ultimately creating a path toward the expanded coverage and opportunities available today. Through every season of change, one thing has remained constant: the purpose behind the work. “It was to celebrate our local kids positively,” Smith says. “We have grown so much since we started with our set on the sideline. From the beginning to now, our mission has not changed. We do it at another level.” That mission is reflected in the company’s slogan, “More Than a Game.” For Smith, those words represent the lasting impact athletics can have on young people. “If you have ever played organized sports, then you know what ‘More Than a Game’ means,” Smith says. “You learn a lot from sports that you cannot learn in a classroom. It is hard. You lose. You win. However, you learn how to adapt. It prepares you for the hard times in life.” High school athletics provide more than entertainment. They teach discipline, resilience, leadership, and the importance of working together toward a common goal. Texarkana Gameday strives to capture those lessons by highlighting the athletes and teams who represent the community. A major part of that mission is making sure student-athletes receive the recognition they deserve. “Without a platform that celebrates our local athletes, most will go unseen not only locally but by colleges,” Smith says. “Not every player is going to be a Division 1 athlete, but the exposure Texarkana has received over the past seven years has increased the number of scholarships offered to the athletes in our area.” For many young athletes, having their accomplishments shared publicly can create opportunities they might not otherwise receive. Texarkana Gameday works alongside coaches and schools to make athletes easier to promote and to tell the stories behind the uniforms.

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Some of those stories have stayed with Smith personally. He points to Nick Martin and Landon Jackson, members of the 2019 Hawks state championship football team, as two athletes who made a lasting impression. “They were two of our favorite young men that we have ever had the opportunity to cover and know personally,” Smith says. “To be able to cover their high school, collegiate, and now professional careers is truly a blessing to me, my family, and the Gameday family.” Although Friday night football remains a treasured tradition, Texarkana Gameday covers much more than one sport. The company works to highlight athletes across multiple programs while partnering with schools and student media groups to bring coverage to life. A large part of that success comes from the next generation of storytellers. “Most of what you see on a Friday night is student-run and led by teachers,” Smith says. “We owe a lot to Tigervision, LETV, and PGTV. I love the fact that these students’ work gets to be showcased in front of such a large audience over a broad area every Friday night.” Those student programs provide valuable experience for young people interested in broadcasting, journalism, photography, and production. Many students who participate gain skills that can lead to future careers. Smith believes getting started is the most important step for students interested in media. Smith says, “Most of our local and surrounding schools have journalism or AV programs that they can join. No one would have ever hired me to do what I started. I had no experience to speak of. I only had ambition and a vision, and I just jumped in and took the leap of faith.” That leap of faith has grown into a company that requires an entire team working behind the scenes. A single Friday night broadcast represents days of preparation, coordination, and production. “A Friday game starts on a Tuesday for our production team,” Smith says. “Depending on the venue, someone will travel to test the internet to be certain that we will have no issues on a Friday night.” Throughout the week, the team prepares statistics, graphics, photos, and production details. On game day, photographers, videographers, announcers, and student production teams work together to create a professional experience for athletes and fans. “Anything can happen,” Smith says. “We are usually in work mode from the second we get rolling in the morning until well after the game ends, making highlights and editing photos to be posted.” The level of production has become one of the things that surprises new viewers. “I always hear viewers are surprised by how professional it looks,” Smith says. “Early on, I would often say, ‘We may not be good yet, but we are going to look good.’” The company continues to study professional sports production and apply those standards to high school athletics. “We are still learning, but we study what we see at the professional level to bring that same level of quality and impact to the high school level,” Smith says. Community support has been essential to making that possible. Texarkana Gameday is funded through partnerships with local businesses that support student-athletes and community storytelling. “We would not be here without our community support,” Smith says. “We are funded solely by local businesses. Without the support of the community and our sponsors, we would not be here.” Smith credits early supporters, including Texarkana Emergency Center and State Bank, for believing in the vision from the beginning. “I had a vision, but no real way to get there without the support from our community businesses,” Smith says. “Both of them being prestigious, locally owned businesses

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helped ease others’ worries about supporting a brand-new company and brand-new concept.” That support has helped Texarkana Gameday continue to grow. Last year, the company reached more than 100 million views across its platforms, compared to 8 million views during its first year. The company has also expanded into additional markets, including Longview and Paris, with plans for continued growth. For businesses looking to connect with local families, Smith believes partnering with Texarkana Gameday provides an opportunity to support something meaningful. “If a business wants to be a part of something great that promotes their brand in a positive light with local content, supporting their local athletes, then Gameday is for them,” Smith says. As another school year begins, Smith remains excited about the opportunity to continue sharing the stories of area athletes. “Even though I have been doing this for a long time now, I still get excited at the start of every new season,” Smith says. “I look forward to the new faces we will see on the sideline and field, and I love seeing the athletes’ growth throughout the season and their high school careers.” At its heart, Texarkana Gameday is not simply about covering games. It is preserving memories, celebrating accomplishments, and creating a connection between athletes and the communities cheering them on. Smith hopes that legacy continues long after the final whistle. “I hope we are remembered as a company that puts kids first, that does not cut corners with expenses, and that has always done right by our community,” Smith says. For Texarkana Gameday, every athlete has a story worth telling.

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M E N TA L H E A LT H

BACK TO SCHOOL, BACK TO WELLNESS

HOW BARNETT WELLNESS CLINIC IS STRENGTHENING STUDENTS, FAMILIES, AND THE TEXARKANA COMMUNITY ONE CONVERSATION AT A TIME WRITTEN BY: MICHELLE HORTON

As another school year begins, families across the Texarkana area are filling backpacks, organizing schedules, and preparing for the familiar routines of homework, sports practices, and early mornings. While much of the focus naturally falls on school supplies and academic success, another essential ingredient for a successful year often receives far less attention: mental health. Children and teenagers today face pressures that previous generations could scarcely imagine. Academic expectations, social media, extracurricular commitments, family responsibilities, and the normal challenges of growing up all compete for their attention. Recognizing those pressures before they become overwhelming is one reason Grant Barnett, MNSc, APRN, PMHNP-BC, founded Barnett Wellness Clinic in Texarkana. Barnett believes that caring for a person’s mental health should be every bit as intentional as caring for physical health. His concierge psychiatry practice was built around a simple idea: people deserve time, thoughtful conversations, and individualized care rather than rushed appointments and quick prescriptions. Before specializing in psychiatry, Barnett worked as an emergency room nurse. Those years helped shape both his career and his perspective. “In the emergency room, I met countless people who were 016

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struggling, yet many left without real answers,” Barnett says. “Their symptoms were often connected to anxiety, depression, trauma, substance use, or other mental health concerns, but there was not always someone who had the time to listen truly.” Those experiences revealed how closely mental and physical health are connected. They also convinced him that patients needed more than brief visits focused solely on symptoms. “I have always enjoyed talking with people and building genuine connections,” Barnett says. “Psychiatry allows me to help people through some of the most difficult seasons of their lives while treating the whole person.” That philosophy eventually inspired him to establish Barnett Wellness Clinic after he and his wife returned home to Southwest Arkansas following the birth of their daughter. “We wanted our daughter to grow up close to family and experience the same kind of community that shaped us,” Barnett says. “I also knew there was a tremendous need for quality mental health care in this region.” Today, Barnett Wellness Clinic serves patients across Arkansas through telehealth, while also offering in-person care from its Texarkana office. Unlike many traditional mental health practices, Barnett Wellness Clinic operates using a concierge psychiatry model. The difference is immediately noticeable. Instead of brief appointments separated by months of waiting, Barnett intentionally schedules longer visits that allow patients to tell their stories. He remains accessible between appointments and frequently collaborates with therapists, primary care providers, teachers, family members, and others involved in a patient’s care. “I want to understand far more than a diagnosis,” Barnett says. “I want to understand family dynamics, sleep, nutrition, physical health, stress, routines, goals, and support systems.” That comprehensive approach also allows treatment decisions to be based on what patients genuinely need rather than what insurance limitations may dictate. “I tell patients that I will go the extra mile for them,” Barnett says. “Treatment works best when both the patient and provider are fully invested.” That partnership reflects another defining characteristic of Barnett Wellness Clinic: whole-person wellness. Rather than viewing mental health as something separate from the rest of life, Barnett evaluates every factor that could influence emotional well-being. Medication may be one piece of the plan, but it is rarely the only piece. “We may discuss sleep, nutrition, exercise, hormones, blood sugar, vitamin deficiencies, relationships, trauma, work, school, and family life,” Barnett says. “Medication can be an incredibly helpful tool, but it is only one tool.” His goal is simple: to help patients understand what they are experiencing while developing a realistic plan that improves both mental and physical health. That philosophy is especially meaningful as students prepare to return to classrooms this fall. Barnett says today’s children and teenagers face extraordinary levels of pressure. He regularly sees anxiety, depression, ADHD, emotional A LT M a g a z i ne | Au g u st 2 0 2 6

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dysregulation, bullying, low self-esteem, school avoidance, family stress, and the constant comparisons fueled by social media. “Many students feel pressure to perform academically, participate in activities, maintain friendships, and meet expectations at home while they are still trying to figure out who they are,” Barnett says. One challenge, he explains, is that children often communicate emotional distress differently from adults. Some become withdrawn or unusually quiet. Others grow irritable, angry, or defiant. Physical complaints, declining grades, or sudden behavioral changes may all point to something deeper. “Children do not always have the words to explain what they are feeling,” Barnett says. “Their behavior often communicates it for them.” For parents, recognizing those changes early can make all the difference. Barnett encourages families to watch for lasting shifts in behavior rather than isolated bad days. Warning signs may include withdrawing from family or friends, losing interest in favorite activities, changes in eating or sleeping habits, falling grades, school refusal, panic symptoms, substance use, self-harm, or expressions of hopelessness. “Parents know their children better than anyone,” Barnett says. “When something feels different or concerning, it is worth paying attention to that instinct.” For parents who hesitate to seek an evaluation for their children because of the stigma sometimes associated with psychiatric care, Barnett hopes they will reconsider what asking for help really means. “Parents are not failing when they seek support,” Barnett says. “They are advocating for their child.” That message reflects a larger mission behind Barnett Wellness Clinic: replacing fear and misunderstanding with education, compassion, and hope. One of the most important conversations Barnett hopes families will have this school year is also one of the simplest: asking children how they are really doing. Parents naturally want to solve problems quickly. Barnett says the better approach often begins with listening. He encourages parents to resist the urge to immediately explain away their child’s emotions or reassure them before fully understanding what they are experiencing. Instead, simple statements such as “I can tell this has been difficult for you” communicate safety and acceptance. Children, he explains, are far more likely to continue opening up when they believe the adults around them can calmly hear difficult truths without judgment. One of the greatest influences on today’s students is something previous generations never had to navigate at this level: social media. While technology provides opportunities for connection, Barnett says it also exposes young people to constant comparison and unrealistic expectations. “Children are comparing their real lives to carefully selected moments from everyone else’s lives,” Barnett says. “That can lead to feelings of inadequacy, body image concerns, fear of missing out, and the belief that everyone else is happier or more successful.” Perhaps even more concerning is that school stress no longer stays at school. “In previous generations, home could provide a break,” Barnett says. “Today, peer pressure and bullying may continue through a child’s phone throughout the evening.” Rather than eliminating technology, Barnett encourages families to establish healthy boundaries and to remain actively involved in what their children see online. Protecting sleep, family time, physical activity, and face-to-face relationships should remain priorities. 018

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Creating healthy routines, he says, may be one of the most overlooked ways parents can support their children’s emotional well-being. Families often feel pressure to fill every afternoon and weekend with activities designed to help children succeed. Barnett believes that mindset can unintentionally create additional stress. “Children need opportunities to rest, play, be bored, spend time with family, and recover from the demands of school,” Barnett says. He encourages parents to honestly evaluate their schedules and ask whether every commitment is truly benefiting their child. Although parents play the leading role in a child’s development, Barnett is quick to recognize the influence of the broader community. Teachers, coaches, youth pastors, mentors, grandparents, and other trusted adults often notice subtle changes before anyone else. “They do not have to diagnose the child or have all the answers,” Barnett says. “Sometimes the most powerful thing they can do is notice, ask how the child is doing, listen without judgment, and communicate concerns to the family.” One caring adult, he says, can change the course of a young person’s life. As students return to classrooms and families settle into another school year, Barnett hopes the community remembers that emotional wellness deserves the same attention as report cards, athletic schedules, and annual physicals. Healthy communities are built on healthy families, and healthy families begin with honest conversations, compassionate support, and a willingness to seek help when needed. For Barnett, that is the heart of his work each day. It is also his vision for Texarkana: a community where every child, every parent, and every individual know they are heard, valued, and never alone.

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CREDIT UNION

COMMUNITY STARTS HERE

HOW DOMINO FCU IS HELPING FAMILIES BUILD STRONG FINANCIAL FOUNDATIONS ONE SCHOOL YEAR AT A TIME WRITTEN BY: MICHELLE HORTON

Few seasons require as much financial juggling as August. Parents are balancing school supply lists, clothing purchases, tuition, daycare expenses, meal plans, dorm costs, transportation, and after-school activities, all while maintaining everyday household budgets. That is why financial planning becomes just as important as shopping lists during the back-to-school season. At Domino Federal Credit Union, helping families prepare for those moments is about more than offering financial products. It is about investing in the people and communities they serve. Since opening its doors in 1973, Domino FCU has grown from a small credit union established by employees of International Paper Mill in Domino, Texas, into a community-focused financial institution serving members throughout Miller County in Arkansas and Bowie, Cass, and Marion counties in Texas. In 2000, the credit union expanded to a community charter, making membership available to anyone who lives, works, worships, or attends school within its service area. “Our commitment is to provide members, regardless of their financial worth or needs, with prompt, personal, confidential, and courteous attention,” Shawn Kyles says. “This is your credit union. We listen. We respond. We care.”

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Domino FCU offers several resources designed to help members navigate those costs without losing sight of their long-term financial goals. Seasonal Back-to-School Loans help cover unexpected expenses, while online and mobile banking tools allow members to monitor spending wherever they are. Programs such as Skip-a-Pay and debit card rewards also offer flexibility during financially demanding seasons. One of the most valuable gifts parents can give their children has nothing to do with backpacks or laptops. It is financial confidence. Kyles believes those lessons can begin much earlier than many parents realize. “A culture of saving can be taught starting in the toddler years,” Kyles says. The process does not have to be complicated. Filling a piggy bank together, making a special trip to the credit union to deposit coins, and celebrating the accomplishment with a small reward can introduce children to the satisfaction of saving. As children mature, those lessons naturally evolve into goal setting and budgeting. Whether saving for a bicycle, a gaming system, or a first car, learning to delay gratification teaches discipline that extends well beyond childhood. Domino FCU supports those lessons through youth savings programs such as Savvy Savers and Next Gen Savings. Beginning at age sixteen, teenagers may also open a checking account with a debit card, allowing parents to help monitor spending through the Card Suite Lite mobile app. Kyles explains that a child’s first bank account should become an interactive learning experience rather than simply a place to hold money. Parents can review account activity together, discuss the difference between wants and needs, establish savings goals, practice budgeting, and explain how banking works. Those regular conversations help transform everyday transactions into practical financial education. Positive reinforcement, Kyles says, encourages children to continue developing healthy financial habits that can last a lifetime. For many teenagers, receiving that first paycheck represents an exciting milestone. It also marks the beginning of financial independence. Kyles encourages young workers to start with two simple habits: create a budget and set financial goals. “Plan for the future rather than just tackling expenses as they come,” Kyles says. That advice becomes increasingly important as young adults begin making larger financial decisions. One of the most common mistakes Kyles observes is overspending because young adults fail to track where their money goes. Living within one’s means starts with understanding exactly how income and expenses compare each month. Building credit responsibly is another important step that many young adults overlook. Rather than waiting until they need financing for a vehicle or home, Kyles recommends establishing healthy credit habits early. Responsible credit use creates opportunities later in life while helping borrowers qualify for better interest rates and financing options. Heading off to college often means managing money independently for the first time. Kyles recommends students establish both checking and savings accounts before leaving home. Equally important is maintaining more than one payment option. Relying solely on a debit card can create unnecessary stress if the card is lost, damaged, or compromised. A low-limit credit card used responsibly can provide an important backup while also helping students begin building credit history. A LT M a g a z i ne | Au g u st 2 0 2 6

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Credit cards themselves often intimidate first-time users, yet Kyles believes education removes much of that uncertainty. He encourages students to keep credit utilization below 30% of their available credit limit and to pay balances in full each month whenever possible. Those habits strengthen credit scores while minimizing unnecessary interest charges. Student loans also require thoughtful planning. Rather than assuming loans are the only option, Kyles encourages families to explore scholarships, grants, employer education benefits, work-study opportunities, and college savings plans before borrowing. “The goal is to make informed choices as early as possible to avoid financial stress or disaster once the expense is realized,” Kyles says. Whether a student is in high school, in college, or starting their first full-time job, budgeting remains one of the most important financial skills they can develop. Fortunately, creating a budget has never been easier. Mobile apps, online banking tools, and even simple spreadsheets allow users to compare income with monthly expenses. Reviewing those numbers regularly helps identify spending patterns and creates opportunities to make adjustments before small problems become larger ones. Technology has also changed the way families manage their finances. Domino FCU continues to invest in digital tools that place financial information at members’ fingertips while providing greater convenience and security. Through Card Suite Lite, members can monitor debit card activity in real time, receive transaction alerts, establish spending limits, and even disable a card instantly if it is misplaced. The credit union’s online and mobile banking platform allows members to transfer funds between accounts, pay bills, and manage multiple accounts from virtually anywhere. Savvy Money provides members with free access to their credit score, ongoing credit monitoring, educational resources, and personalized financial insights without affecting their credit score. Members can also earn rewards through My Rewards Plus, which offers points redeemable for gift cards, travel, merchandise, fuel, charitable donations, and more through everyday debit card purchases. These tools make it easier for busy families and students to stay connected to their finances while developing stronger money management habits. As online banking becomes increasingly common, so do online scams. Teenagers and college students are often attractive targets because they are still learning how to recognize fraudulent activity. Kyles encourages families to make fraud awareness an ongoing conversation rather than a one-time lesson. Romance scams, fraudulent advertising opportunities, fake loan offers, and mobile deposit scams continue to impact consumers across the country. Although financial services are at the heart of Domino FCU’s mission, the credit union’s investment in the community extends well beyond its walls. Throughout the year, Domino FCU partners with schools, educators, and nonprofit organizations across the communities it serves. Teacher appreciation initiatives, participation in school events, annual scholarships, charitable giving, and community outreach all reflect the credit union’s commitment to strengthening the region. Kyles points to the credit union’s annual $1,500 college scholarship, support for the Harvest Regional Food Bank, participation in the Texarkana Arkansas School District Back-to-School Bash, involvement with the Express Angel Tree program, and numerous other community events as examples of that ongoing commitment. Those efforts reinforce a simple philosophy: when students, families, and educators succeed, the entire community benefits.

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Many consumers are familiar with traditional banks, yet fewer understand what makes a credit union unique. Unlike banks that operate for the benefit of shareholders, credit unions are owned by the members they serve. Earnings are reinvested into the institution, allowing members to benefit through competitive loan rates, stronger savings opportunities, and enhanced financial services. “Credit unions are not-for-profit organizations; our members own us,” Kyles says. “Any profits earned are returned to our members in the form of lower rates on loans, higher dividends on savings, and services and products offered.” That member-first approach has remained central to Domino FCU’s identity for more than five decades. Through financial education, practical banking solutions, and a genuine commitment to the families it serves, the credit union continues to prove that community banking is about far more than managing money. It is about helping neighbors build brighter futures, one smart financial decision at a time.

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YOUR TRUSTED PARTNER IN EVERY CLOSING TITLE INSURANCE CLOSING & ESCROW PERSONAL & BUSINESS INSURANCE UNDERWRITING APPRAISAL & VALUATIONS WINNING APPROACH CUSTOMER ORIENTED ACCOUNTABLE HONEST & COURAGEOUS TEAM FOCUS

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Summer

IS THE TIME TO BUY With low interest rates and a variety of loan programs available, now is the time to escape the summer heat and cool off in a new home. If you’re ready to begin the homebuying journey, I’m happy to be your guide!

JASON CREE Cell: 903.277.2726 Office: 903.223.5632

Branch Manager | Sr. Loan Officer NMLS #209270

jcree@swbc.com | www.jasoncree.com 3101 Kennedy Lane, Suite 200 Texarkana, TX 75503 © 2021 SWBC. All rights reserved. Loans are subject to credit and property approval. Other restrictions and conditions may apply. Programs and guidelines are subject to change without notice. Rates are subject to change daily. Corporate office located at 9311 San Pedro Avenue, Suite 100, San Antonio, TX 78216. SWBC Mortgage Corporation, NMLS #9741 (www.nmlsconsumeraccess.org). 1060-A4314 01/21

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COMFORT STARTS HERE.

It Is Our Priority.

Licensed and Insured HVAC Services for Texas & Arkansas

DON'T WAIT UNTIL YOUR SYSTEM QUITS. SCHEDULE PREVENTATIVE MAINTENANCE TODAY AND ENJOY RELIABLE COMFORT IN EVERY SEASON.

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Serving the Arklatex Since 2018

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BANKING

MORE THAN A BANK:

INVESTING IN THE FUTURE OF TEXARKANA

WRITTEN BY: MICHELLE HORTON

As students fill their backpacks with notebooks, pencils, and laptops for another school year, families are also preparing for one of the busiest financial seasons. Back-to-school shopping, extracurricular activities, technology purchases, and tuition expenses quickly add up, making financial planning just as important as checking off a school supply list. For Farmers Bank & Trust, helping families navigate those moments extends far beyond processing transactions. The bank views itself as a long-term partner, equipping customers with the knowledge, tools, and personal relationships that help build financial confidence from childhood through retirement. Founded in Magnolia, Arkansas, in 1906, Farmers Bank & Trust has spent nearly 120 years growing alongside the communities it serves. What began as a hometown bank with a simple mission to help neighbors find lifelong financial solutions has expanded into a privately held, fifth-generation, family-owned institution serving communities throughout Arkansas, Texas, and 026

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Oklahoma. Since entering the Texarkana market in 2012, the bank has continued investing in the region while maintaining the local decision-making and personal service that define community banking. James Bramlett, the Market President for Texarkana, says the bank’s mission has remained remarkably consistent despite decades of growth. “Our commitment remains the same as it was 120 years ago: to provide local decision-making, personal service, and long-term stability for the families and businesses we serve while heavily investing in our communities,” Bramlett says. Today, Farmers Bank & Trust operates more than 30 locations and manages approximately $3.2 billion in assets. Even with those resources, the bank strives to preserve the hometown atmosphere many customers appreciate. “We combine the resources of a larger financial institution with the personalized service of a true community bank,” Bramlett says. “Our culture is built around our HEART values: Honor, Excellence, Adaptability, Respect, and Teamwork.” Those values extend well beyond the walls of the bank. Community involvement has become one of the defining characteristics of Farmers Bank & Trust. During 2025 alone, employees contributed more than 5,200 volunteer hours while supporting 264 nonprofit organizations. Team members volunteer with schools, youth organizations, chambers of commerce, civic groups, and charitable organizations throughout the Texarkana area. “Supporting our communities has always been part of who we are,” Bramlett says. “We believe strong communities create strong futures, and we are proud to invest both financially and through volunteer service.” Education does not end in the classroom, and neither does financial learning. Bramlett believes parents have an opportunity to begin teaching healthy financial habits long before children receive their first paycheck. “Parents can start by teaching the difference between needs and wants, setting savings goals, budgeting allowance money, and explaining how interest works,” Bramlett says. “Encouraging children to save a portion of every dollar they receive can help develop healthy habits early.” Those lessons become even more valuable once teenagers enter the workforce. Opening a checking or savings account while still in high school gives young people practical experience managing money before larger financial responsibilities arrive. Learning how to budget, monitor spending, save toward goals, and use banking services responsibly establishes habits that often last well into adulthood. Farmers Bank & Trust offers several products specifically designed for younger customers, including the MyStart Savings account for minors, Student Checking for customers ages 13 through 20, and the Foundation Credit Card for young adults beginning to establish credit. Each product is designed to provide real-world experience while encouraging responsible financial decision-making. Bramlett says one of the biggest mistakes teenagers make is spending every paycheck without setting aside money for future goals. “Creating a basic budget and regularly reviewing account activity can help avoid these pitfalls,” he says.

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Those habits become even more important when students leave home for college. For many young adults, college marks the first time they are managing rent, groceries, transportation, textbooks, and entertainment on their own. Bramlett recommends choosing a checking account that includes online and mobile banking, direct deposit, mobile check deposit, debit card access, and account alerts. These digital tools allow students to monitor balances, deposit checks remotely, pay bills, and receive notifications that help prevent overdrafts or fraudulent activity. Credit also becomes an important topic during college. Students frequently receive credit card offers shortly after arriving on campus. Bramlett encourages young adults to approach credit carefully and intentionally. “Building credit is a marathon, not a sprint,” Bramlett says. “Responsible habits today can create opportunities later when applying for auto loans, mortgages, or other financing.” Paying balances in full whenever possible, making payments on time each month, and avoiding unnecessary debt are all important steps toward building a strong credit history. Budgeting remains another critical life skill. Rather than focusing solely on limiting spending, Bramlett encourages students to create realistic monthly spending plans, distinguish between needs and wants, take advantage of student discounts, and establish an emergency fund, even if it begins with only a small amount. Technology has certainly changed the way customers interact with their bank, and Farmers Bank & Trust continues investing in services that make banking more convenient without sacrificing security. Customers have access to online banking, mobile banking, mobile deposit, bill pay, debit card management tools, account alerts, and other digital resources to manage their finances wherever life takes them. However, families of every age also face another growing concern: protecting their financial information. As online banking and digital payments become increasingly common, fraud and identity theft continue to evolve. Bramlett recommends using strong passwords, enabling multi-factor authentication whenever available, monitoring accounts regularly, and remaining cautious about sharing personal information online. “If something seems suspicious, contact your financial institution immediately, preferably by phone, and speak to a real, local person to verify the claims you have seen,” Bramlett says. 028

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Financial education also remains a priority beyond individual customer relationships. Bramlett says the bank regularly partners with local schools and school districts to support educational initiatives while helping students and families gain confidence in making financial decisions. Those partnerships reinforce the bank’s belief that financial literacy is one of the most valuable investments a community can make in its future. As young adults continue building their financial lives, Farmers Bank & Trust offers products designed to meet changing needs. Auto loans, savings accounts, checking accounts, starter credit products, and first-home mortgage programs often become important milestones as customers move through different stages of life. For Bramlett, however, the most rewarding part of community banking has little to do with balances or interest rates. “Texarkana is a community built on relationships,” Bramlett says. “We enjoy getting to know our customers personally and helping them reach important milestones, whether that is buying a first vehicle, purchasing a home, starting a business, or preparing for retirement.” Some of those relationships now span multiple generations and Bramlett believes that those long-term relationships are what community banking is all about. As another school year begins, Bramlett offers advice that applies whether someone is opening a first savings account, sending a child to college, or managing a growing family budget. “Have a plan for your money before you spend it,” Bramlett says. “Whether you are a student, parent, or young professional, setting goals and following a budget can help reduce stress and put you on a path toward long-term financial success.” In many ways, that simple principle reflects Farmers Bank & Trust itself. The bank continues to invest in the people, schools, businesses, and organizations that make Texarkana stronger, believing that when a community plans well for its future, everyone has the opportunity to succeed.

VISIT A FARMER’S BANK & TRUST BANK TODAY! ASK ABOUT THE OPTIONS FOR YOUR KID / STUDENT.

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H E AT I N G & AC BIG MIKE’S HEATING & AC CHANGING SEASONS, TRUSTED SERVICE:

EXPERT HVAC TIPS FROM BIG MIKE’S HEATING & AC As the temperatures begin to cool and summer gives way to fall, now is the ideal time for homeowners to prepare their heating systems for the months ahead. Dependable heating and cooling are not just conveniences—they are essential to keeping your family comfortable throughout every season. For nearly a decade, Big Mike’s Heating & AC has helped homeowners across Texarkana transition into each new season with reliable, affordable HVAC solutions built on experience, integrity, and exceptional customer service. Locally owned and operated, by Michael Williams, Big Mike’s Heating & AC was founded with one simple mission: to provide honest work at fair prices while building lasting relationships with every customer. Owner Michael Williams brings more than 20 years of hands-on HVAC experience to every job. He continues to serve his community through dependable service and personal accountability. According to Williams, a little preparation now can prevent major headaches later. Williams recommends having your HVAC system professionally serviced twice a year—once before the cooling season and again before the heating season. Routine maintenance keeps your system running efficiently and can also extend the life of your heating and cooling equipment. Routine maintenance, diagnosing a system that is not performing properly, or installing an entirely new heating and air conditioning system, Big Mike’s Heating & AC helps homeowners stay ahead of costly repairs while ensuring their homes remain warm, efficient, and comfortable all season long. One of the most common issues his technicians see every fall is something that could easily be prevented, dirty flame sensor rods caused by skipped maintenance. A dirty flame sensor can prevent your furnace from heating properly, leaving homeowners without heat just when temperatures begin to drop. Homeowners can also do their part by changing air filters once a month throughout the fall and winter. Clean filters improve airflow, help maintain indoor air quality, and reduce unnecessary strain on the HVAC system. “If you notice your electric or gas bill suddenly increasing, your HVAC system could be working much harder than it should,” he says. “That’s often an indication that something isn’t operating efficiently.” For homeowners living in older houses, improving energy efficiency goes beyond the HVAC unit itself. 030

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Williams recommends upgrading to energy-efficient windows and adding better insulation to help reduce heating costs and keep warm air inside the home. Seasonal maintenance is one of the smartest investments homeowners can make. A professional inspection can identify worn components, improve energy efficiency, extend the life of your HVAC system, and provide peace of mind before winter weather arrives. Big Mike’s Heating & AC specializes in servicing existing HVAC systems as well as installing high-quality replacement systems that are customized to meet the unique needs of each home. As families spend more time indoors during the cooler months, a properly functioning HVAC system becomes even more important. Beyond keeping your home comfortable, it helps improve indoor air quality, maintain healthy airflow, and reduce energy costs throughout the heating season. Preparing your system in the fall can help prevent unexpected breakdowns when you need warmth the most. Williams recommends maintaining a thermostat setting between 72 and 74 degrees during the cooler months to provide a comfortable balance for most families. Safety is another important part of preparing your home for winter. Because carbon monoxide is both colorless and odorless, Williams stresses that every home with gas heating equipment should have properly functioning carbon monoxide detectors installed. “It’s something you can’t see or smell, so having detectors can truly save lives.” He also encourages homeowners not to ignore unusual warning signs coming from their HVAC system. Persistent rattling noises, a rotten egg smell, or a heating unit that runs constantly without adequately warming the home are all reasons to call a professional before a small issue becomes an expensive repair. Eventually, every HVAC system reaches the point where replacement makes more financial sense than continued repairs. Williams says homeowners should consider replacing their system when repairs are no longer cost-effective. On average, a properly maintained furnace or heat pump lasts 10 to 15 years, although regular servicing can help maximize that lifespan. What has helped Big Mike’s Heating & AC earn the trust of homeowners across Texarkana is not just technical expertise—it is the company’s commitment to honesty. In an industry where unexpected repairs can be stressful, Big Mike’s Heating AC Services believes homeowners deserve straightforward communication, transparent pricing, and recommendations they can trust. Every estimate is provided with integrity, allowing customers to make informed decisions without unnecessary pressure. “We’re honest with our customers, we treat people with respect, and we work hard to help them save money on repairs and replacements whenever possible,” Williams says. As another fall season begins, his advice is simple but important, do not wait until your heating system breaks down. Scheduling a fall maintenance visit before the temperatures turn cold gives homeowners confidence that their system is ready when it’s needed most. For homeowners looking for a trusted, locally owned HVAC company, Big Mike’s Heating & AC continues to deliver the experience, fairness, and dependable service that have kept Texarkana families comfortable—season after season.

CALL TODAY FOR YOUR SEASONAL MAINTENANCE: 903.559.4892 A LT M a g a z i ne | Au g u st 2 0 2 6

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E Y E CA R E

CLEAR VISION FOR A BRIGHT SCHOOL YEAR: FAMILY EYE CARE CLINIC HELPS STUDENTS START THE SCHOOL YEAR FOCUSED ON SUCCESS

With students preparing to head back to the classroom, one item often gets overlooked—a comprehensive eye exam. Yet, according to the team at Family Eye Care Clinic in Atlanta, healthy vision is one of the most important tools a child can have for academic success. It's estimated that up to 80% of learning is visual. From reading and writing to using computers and participating in classroom activities, students rely on clear, comfortable vision every day. That's why an annual comprehensive eye exam should be part of every family's back-to-school checklist. Many parents assume that if their child isn't complaining about their eyesight, everything must be fine. However, children often don't realize they're seeing differently than their classmates. They simply adapt. That's why routine eye exams are so important. The doctors recommend children receive their first comprehensive eye exam between 6 and 12 months of age, another around age three, and again before starting kindergarten. Once children enter school, annual eye exams help monitor changes in vision and detect problems before they begin affecting classroom performance. At Family Eye Care Clinic, some of the common vision conditions seen in children include nearsightedness, farsightedness, astigmatism, and focusing or eye coordination problems. Left untreated, these issues can lead to headaches, eye strain, difficulty concentrating, and frustration in the classroom. Parents should also watch for warning signs such as squinting, sitting too close to televisions or digital devices, holding books very close, rubbing the eyes frequently, losing their place while reading, or avoiding homework altogether. Sometimes declining grades or behavioral changes are actually signs that a child is struggling to see clearly. Technology has also changed the way children's eyes are used each day. Increased screen time has contributed to more cases of digital eye strain, dry eyes, and the progression of nearsightedness. The 032

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doctors encourage families to practice the 20-20-20 rule: every 20 minutes, look at something at least 20 feet away for 20 seconds. Regular outdoor play and limiting recreational screen time can also help support healthy vision. For active students, protecting their eyes is just as important as protecting their knees or head. Polycarbonate sports eyewear offers excellent protection against eye injuries, while contact lenses can be a safe and convenient option for many young athletes who are mature enough to care for them responsibly. Nutrition also plays a key role in lifelong eye health. A balanced diet that includes leafy greens, colorful fruits and vegetables, eggs, fish rich in omega-3 fatty acids, and citrus fruits provides important nutrients that support healthy vision. The doctors also remind families that UV protection isn't just for summer— children should wear sunglasses that block 100% of UVA and UVB rays throughout the year whenever they're outdoors. One common misconception the doctors frequently hear is that passing a school vision screening means a child's eyes are healthy. While screenings are helpful, they only evaluate limited aspects of vision. A comprehensive eye exam examines eye health, focusing ability, eye coordination, depth perception, and can identify conditions that school screenings often miss. To provide the highest level of care, Family Eye Care Clinic utilizes advanced diagnostic technology and modern diagnostic equipment that helps detect vision problems and eye diseases at their earliest stages. As another school year begins, the doctors at Family Eye Care Clinic hope families remember that clear vision is essential to confidence, learning, and success. A successful school year starts with healthy eyes. Don't wait until your child begins struggling in the classroom. An annual comprehensive eye exam is one of the best investments you can make in your child's education, health, and future. They wish every student a safe, successful, and exciting school year filled with opportunities to learn, grow, and see the world clearly. Give your child every advantage and schedule a comprehensive eye exam with Family Eye Care Clinic in Atlanta.

Your Therapeutic Optometrists

Dr. Randal Cox Dr. Adam Cox Dr. Michael Cade Dr. Terry Foster

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HOME STARTS HERE Home Starts Here: How Your Bank’s Mortgage Team Helps Make Homeownership Possible For many families, buying a home is one of life’s biggest milestones. It’s where memories are made, holidays are celebrated, and futures are built. While the excitement of finding the perfect home often takes center stage, having the right mortgage team behind you can make the journey just as rewarding. Your local bank’s mortgage department is more than a place to apply for a loan—it’s a trusted partner that guides you through every step of the home-buying process. From your first questions about affordability to the day you receive the keys, experienced mortgage professionals help simplify what can seem like a complicated process. Whether you’re a first-time homebuyer, purchasing your forever home, building a new house, or refinancing your current mortgage, a knowledgeable lender can help you understand your financing options and find a loan that fits your financial goals. They take the time to explain interest rates, loan terms, down payment options, and monthly payments, helping you make informed decisions with confidence. One of the greatest advantages of working with a local bank is the personal relationship you build. Local lenders understand the communities they serve and are committed to helping neighbors achieve their dreams of homeownership. They are available to answer questions, provide guidance, and work closely with real estate agents, title companies, and other professionals to help keep your closing on schedule. A mortgage is more than financing a house—it’s an investment in your future. Choosing the right mortgage team means having experienced professionals who are dedicated to making the process as smooth and stress-free as possible. If buying a home is one of your goals, start the conversation today. Your local bank’s mortgage department is ready to help you explore your options, prepare for the future, and take the next step toward owning a place to call home. Homeownership begins with a dream—but it

becomes a reality with the right financial partner by your side. 034

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BACK TO PLANNING YOUR FUTURE As students head back to the classroom, families are settling into new routines and planning for the months ahead. For many, the start of a new school year is also the perfect time to think about long-term goals—including homeownership. Whether you're purchasing your first home, upgrading to fit your family's changing needs, or relocating to be closer to a preferred school district, every real estate transaction begins with a solid foundation. That's where your title company comes in. A title company works behind the scenes to help ensure your property's ownership is clear, liens are addressed, and every detail is carefully reviewed before closing day. Their role is to protect buyers, sellers, and lenders while helping make the closing process as smooth as possible. Just as students prepare with the right supplies for a successful year, having experienced professionals on your real estate team helps prepare you for a successful closing. From answering questions to coordinating the final steps, a trusted title company provides peace of mind during one of life's biggest investments. This school year, as your family looks toward new opportunities and fresh beginnings, remember that every new chapter deserves a strong foundation. Whether it's the first day of school or the first day in your new home, planning ahead makes all the difference. Because every great future starts with a strong foundation—and every successful closing starts with a trusted title company.

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SEE THE POTENTIAL SEE THE POTENTIAL: LOOKING BEYOND WHAT IS TO IMAGINE WHAT COULD BE

By Debbie Brower, Realtor®

When buyers walk into a home, they often make a decision within the first few minutes. Sometimes it’s love at first sight. More often, however, they see outdated paint colors, worn flooring, old light fixtures, or furniture that simply doesn’t fit the space—and they walk away without ever realizing the home’s true potential. One of my favorite parts of being a Realtor® is helping buyers look beyond what they see today and imagine what their home could become tomorrow. Every Home Tells Two Stories The first story is the one that’s right in front of you. It may feature wallpaper from another era, dated cabinetry, or a floor plan that feels tired. While those details can make a home feel less appealing, they’re often cosmetic changes that can be transformed with thoughtful updates. The second story is the one waiting to be written. That’s where imagination meets opportunity. As your Realtor®, I help you recognize not just what a home is— but what it has the potential to become. Looking Beyond Cosmetic Changes Many buyers overlook homes because they focus on things that can be changed in a weekend. Ask yourself: Can the walls be painted? Absolutely. Can flooring be replaced? Yes. Can outdated lighting be modernized? Easily. Can cabinets be painted or refaced? Often for a fraction of the cost of replacing them. Can landscaping dramatically improve curb appeal? Without question. These types of improvements can completely transform the feel of a home while adding value over time. Instead of searching endlessly for the “perfect” house, sometimes the better investment is finding a home with great bones and making it your own. Remodeling with Purpose Not every renovation needs to be extensive or expensive. Some of the highest-impact improvements include: Fresh, neutral paint throughout the home Updated flooring for a clean, cohesive look Modern lighting that brightens every room Kitchen hardware, faucets, and fixtures Bathroom vanities and mirrors New front doors or updated landscaping to enhance curb appeal 036

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These projects not only make a home more enjoyable to live in, but they often provide an excellent return on investment when it’s time to sell. The Power of Staging One of the biggest challenges buyers face is separating the home from the current owner’s personal style. A room filled with oversized furniture can feel cramped. Bold wall colors can make a space seem darker than it really is. Too much décor can distract from beautiful architectural features. Professional staging—or even simple rearranging—allows buyers to focus on the home itself rather than what’s inside it. A thoughtfully staged home helps buyers imagine where their own furniture, family photos, and memories will fit. That’s when a house begins to feel like home. Design Inspiration Makes All the Difference Technology has changed the way we buy homes. Today, I can help buyers visualize possibilities before they ever make an offer. Through design inspiration and virtual room concepts, we can explore ideas such as: Modern kitchen renovations Updated bathrooms Fresh paint colors New flooring options Furniture layouts Outdoor living spaces Fireplace makeovers Lighting updates Instead of wondering, “What if?”, buyers can actually see what a room might look like after thoughtful improvements. These visual concepts often help reveal the hidden potential of homes that might otherwise be overlooked. Finding Opportunity Where Others Don’t Some of the best values in today’s market are homes that need a little vision. When other buyers walk away because they can’t see beyond outdated finishes, you may have the opportunity to purchase a home with excellent structure, a desirable location, and long-term value. Seeing potential isn’t about ignoring imperfections—it’s about recognizing opportunity. More Than Finding a House Buying a home is one of life’s biggest investments. My goal isn’t simply to unlock doors; it’s to help you make confident decisions by seeing possibilities that others may miss. Whether you’re searching A LT M a g a z i ne | Au g u st 2 0 2 6

for your first home, upgrading to your forever home, or investing in real estate, I’ll help you evaluate each property not only for what it is today, but for what it can become with thoughtful planning and creative vision. Sometimes the perfect home isn’t the one that’s already perfect. Sometimes it’s the one waiting for someone to recognize its potential. Debbie Brower, Realtor® Licensed in Texas & Arkansas Helping Buyers See Beyond Today’s Walls—One Home at a Time.

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YOUR PERFECT HOME? Welcome to 31 Lone Star Pkwy in Texarkana, TX—where comfort, style, and thoughtful design come together effortlessly. The kitchen is a true standout, featuring granite countertops, a beautifully textured tumbled tile backsplash, and a 5-burner gas cooktop that’s ready for everything from quick meals to entertaining with ease.

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let’s connect CELL 903.278.4444 | OFFICE 903.223.0710 1356 N. KINGS HWY. NASH, TX 75569 A LT M a g a z i ne | Au g u st 2 0 2 6

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BACK TO School. BACK TO Church.

JOIN US AT

CHRISTIAN WARRIORS CHURCH Sunday Services, 10 am | pastor micah harp Christian Warriors Church, 2101 E 50th St, Texarkana, AR 71854

Love God. Serve Others. Teach Truth.

MARK YOUR CALENDARS! Get ready for the 2027 Reader’s Choice! Mark your calendars to ensure you do not miss the upcoming dates for nominating, voting, and the announcement of winners. The nominations are from you, our readers and community. The top five to seven most nominated in each category will be placed on the voting ballot. Once voting has closed, the winner along with the top two runner-ups will be listed in the magazine.

CHOICE

AR DS AW

R E A DE R

NOMINATIONS: SEPTEMBER 1 - 30, 2026 VOTING: NOVEMBER 1- 30, 2026 ANNOUNCED: JANUARY 1, 2027

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2027

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Suzie TK Snippets By: Suzie Tyler

about it!!

I love technology. Suzietk’s Snippets will give you tidbits on everything from makeup to music, and everything in between. I have a wealth of information in my brain! If I can just access the hard drive, I will blog

The Birth of a Nation Last month, on Jul 4, 2026, we celebrated the 250th birthday of America’s signing of independence from Britain in 1776, and our nation’s beginning as a democratic republic! It was a time to celebrate a milestone reached as a free nation, a longevity not reached by many countries. History reveals the hardships and sacrifices made by early settlers that I would not have survived. Our forefathers used Judeo-Christian values to write our Constitution. The delegates’ ages ranged from 26 to 81. Until recent years, God was revered and respected. Today, we have failed to appreciate our heritage and have forgotten the core values of our founding fathers. We need to reread the history of America, our Constitution, and the Pledge of Allegiance to the Flag and remember the original reason our nation was founded. Lord, help us to place God first in our lives and in America again.

Remember, with respect and honor, those who served their government’s directives at an early age. Orace was the second in a family of nine, 12 years older than me, and I was number six. According to my mom, he and my oldest brother, J.C., began spoiling me from the moment I was born. Not only did they protect the world, but they also protected and spoiled their little sister. I love my brothers. Orace was the second in a family of nine, 12 years older than me, and I was number six. According to my mom, he and my oldest brother, J.C., began spoiling me from the moment I was born. When I began researching my book, I found a letter he wrote to my mom, a few days before he was wounded in Korea, with instructions to take his allotment check and buy me a bicycle for my birthday. My oldest brother had also written to my mother after he joined the Navy to take his allotment check and buy me what I wanted for Christmas. Now you know why I’m so spoiled. My brothers started it, my dad kept it up when he returned home from the Army, my grandmother was my backup, and Odis came along and reinforced it.

I’m very proud of all my military family who served our country. Three of my brothers retired from the military. One from the Marine Corps, one from the U.S. Navy, and a third brother retired from the Air Force. My dad On July 4, 2024, my brother, Orace, at age 90, changed and husband served in the U.S. Army. his earthly address for a heavenly one. Kinda fitting to do that on the birthday of the homeland he left in 1953 My family helped mold me into who I am today. But I to defend their freedom. think I turned out pretty good, considering I was born in At eighteen, as a private first-class Marine, he joined forces in a foreign land and became part of the Frozen Chosen team in Korea. He was wounded in that conflict, where he received a Purple Heart at nineteen. Reading some of the accounts of that war, you want to question the wisdom of drafting boys at eighteen before they were mature enough to handle the horrors of war. But I’m not sure you are ever ready for that; being a little older may have helped. A LT M a g a z i ne | Au g u st 2 0 2 6

a family of nine siblings; I learned quickly, however, to ‘cry and get my own way.’ Follow me, SuzieTKWriter, for more of my adventures and spiritual nuggets on Facebook, Instagram, Substack, Threads, Twitter, and my online blog, SuzieTK’s Snippets.

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financial focus

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IS YOUR BUSINESS A SOLO SHOW? LEARN ABOUT OWNER-ONLY 401(K) PLANS BUSINESS OWNERSHIP

How to determine if this retirement vehicle makes sense for you. The owner-only 401(k) is a retirement vehicle that gained a lot of momentum in 2001 when the IRS made it much more flexible for business owners. An owner-only 401(k) is a retirement savings account designed for those running a business as the only employee, allowing contributions not just from your salary but also your business. It’s a vehicle that offers many advantages – but you must meet certain requirements to deploy it. Below is more insight into how owner-only 401(k) plans work. How much can I contribute? An owner-only 401(k) allows you to make a contribution both from your salary and from your business. This allows you to maximize your retirement savings, reduce your tax burden and catch up on contributions if you are over 50. You can designate up to 25% of your total compensation to a profit-sharing plan, plus up to $24,500 to a 401(k) plan if you earn at least that amount annually. This brings your total contribution level up to a maximum of $72,000, or 100% of your total compensation, whichever is less. If you are 50 or older, you can make an additional “catch-up” contribution of up to $8,000.* Choose your tax advantage Pick a traditional 401(k) to reduce your income tax in the year your contributions are made or go with a Roth option in the 401(k) if available, which doesn’t get you an initial tax break but does allow you to withdraw the funds tax-free in retirement, if certain conditions are met. If you think your income will be higher in retirement, the Roth may be a good move. If you think it will be lower, taking the tax break now may be right for you. A LT M a g a z i ne | Au g u st 2 0 2 6

Spousal benefits While this type of plan is specifically for businesses with no employees, you and your spouse can participate if you both are employed by and receive compensation from the business. Other advantages The owner-only 401(k) offers some administrative advantages over a regular qualified retirement plan. Unless your balance exceeds $250,000, you do not have to file a 5500 form every year with the IRS. You also do not need to perform nondiscrimination testing, which is a compliance regulation from the IRS that usually requires a plan administrator. And you may be able to take a loan from your owner-only 401(k) of 50% of the account balance (greater than $10,000) or $50,000 – whichever is less. An owner-only 401(k) also allows for consolidation of multiple accounts. Most retirement plan assets, including funds from profit sharing and money-purchase plans, and both traditional and SEP IRAs, can be transferred into your owner-only 401(k). Setting it up Talk to your advisor about setting up an owner-only 401(k). You’ll need an employee identification number, and you’ll sign a plan adoption agreement. Once it’s set up, you can start investing in vehicles like ETFs, index funds, mutual funds and more – whichever make sense for your long-term financial and retirement goals. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Raymond James does not provide advice on tax or legal issues. These matters should be discussed with an appropriate professional.

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401(k) plans are long-term retirement savings vehicles. Withdrawal of pre-tax contributions and/or earnings will be subject to ordinary income tax and, if taken prior to age 59 1/2, may be subject to a 10% federal tax penalty. Contributions to a Roth 401(k) are never tax deductible, but if certain conditions are met, distributions will be completely income tax free. *Under a change made in SECURE 2.0, a higher catch-up contribution limit applies for employees aged 60, 61, 62 and 63 who participate in these plans. For 2026, this higher catch-up contribution limit is $11,250 instead of $8,000. © 2023 Raymond James Financial, Inc. All rights reserved. Raymond James & Associates, Inc., member New York Stock Exchange / SIPC, and Raymond James Financial Services, Inc., member FINRA / SIPC, are subsidiaries of Raymond James Financial, Inc. Raymond James® and Raymond James Financial® are registered trademarks of Raymond James Financial, Inc.

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