Mv - memorial Villages Magazine

january + february 2022

Celebrating The Survivors Mario Elie Interview Intown Person of The Year Real Estate Market Report The Buzz is Back

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contents

Send comments, thoughts or ideas to intownmagazine@gmail.com

10

18

ON THE COVER

14

Domaine du Pavillon Albert Bichot.

Photo by Flore Deronzier

8

20

8-9 DR. PETER HOTEZ: INTOWN

PERSON OF THE YEAR

14-16 DISCOVERING

ALBERT BICHOT

18-19

THE BUZZ: A NIGHT WITH CYNDI LAUPER

20-21

THE GAME: INTERVIEW WITH MARIO ELIE

22-23

FINANCIAL FOCUS

PRODUCTION

PUBLISHER

M. A. Haines EDITOR

Lisa June

memorialvillagesmagazine.com

Web Design CSS Art & Design Layout & Graphic Design CSS Art & Design Graphic Designer Cris Bell Photographer Wells Brown

CONTRIBUTORS

Lindsay Mowad William Hanover Marene Gustin Evans Attwell Philip Berquist Minnie Payne Virginia Billeaud Anderson

For advertising rates and information: 713.525.8607 intownmagazine@gmail.com Space reservation deadline is 15 days prior to publication.

Memorial Villages magazine is published bi-monthly by SNS Media. Articles are welcome and will be given careful consideration for possible publication. Memorial Villages magazine does not assume any responsibility for unsolicited materials. Materials submitted will be returned if accompanied by a stamped, self-addressed envelope to Box 980757 Houston, TX 77098. You can also e-mail intownmagazine@gmail.com. Copyright 2022 by Intown magazine. All rights reserved. Content may not be reprinted or reproduced without permission from Intown magazine.

4 | Mv | January + February 2022

Those Whom You Trust It is more than just a profession, it is a calling.

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Publisher’s Letter Congratulations To The Survivors

I

t was not WWl or ll, The Great Depression, or more recently 9/11 survival, but it’s been a tough two years for many of us.

If you are reading this you survived 2021. You experienced 100-year storms and a “freeze.” For many, it has left us confused, concerned and sad: some having lost loved ones. Survival can bring about renewed strength and hope for a better 2022. Let’s celebrate turning the page.

We have watched in horror the inhumane treatment of other human beings. So many voices and opinions invade our homes from a little screen. Our anxiety climbed and we felt the weight and responsibility of it all. I felt the political and racial divides ravaging the country to the point I became overloaded. That is until I walk out my front door to visit a store, attend church, or take a quick trip to the gas station. There I would see strangers opening doors for others, helping an elderly person lift a heavy item into the car or other random acts of kindness.

Let’s remember 2021 and make it the year of, not resorting to the little phone screen that constantly beeps with messages filled with hate and anger, but one of understanding and discernment.

Where many businesses failed from Covid issues, there are many others that survived and are thriving. While I don’t enjoy Zoom or Facetime, it can be an efficient and effective way of communication with loved ones or a cost-efficient way of reaching more customers.

Survival makes us stronger, and 2022 cannot come fast enough for most as we look to begin healing from the wounds of isolation and division even in our own families. It’s time to celebrate and learn from what we know now, having gone through a period in history that has changed the world and our lives forever.

6 | Mv | January + February 2022

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by Marene Gustin

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ouston’s own Dr. Peter J. Hotez is for many the face of the pandemic, the man who’s been on every newscast and quoted in every paper and periodical. Truly the most recognized local authority on COVID-19. He’s gone from being a rock star in just the medical community to a household name.

The 63-year-old scientist and pediatrician has a resume that could fill pages, but the highlights are Dean of the National School of Tropical Medicine and Professor of Pediatrics and Molecular Virology & Microbiology at Baylor College of Medicine where he is also the Co-director of the Texas Children’s Center for Vaccine Development (CVD) and Texas Children’s Hospital Endowed Chair of Tropical Pediatrics. He is also a University Professor at Baylor University, Fellow in Disease and Poverty at the James A Baker III Institute for Public Policy, Senior Fellow at the Scowcroft Institute of International Affairs at Texas A&M University, Faculty Fellow with the Hagler Institute for Advanced Studies at Texas A&M University, and Health Policy Scholar in the Baylor Center for Medical Ethics and Health Policy.

Pretty impressive credentials.

He’s also spent a good portion of time lately on social media debunking myths and rumors surrounding the current pandemic, so we asked him a few questions about what scientific information can predict for the New Year. And the resounding theme is vaccination, vaccination, vaccination. And he’s doing his best to make that happen.

Current data indicates the Omicron variant might pass pretty quickly. What does that mean for the public?

I think that assessment may be premature, yes, the numbers in the UK and South Africa are starting to come down not long after they went up, but we’ve seen other peaks start to come down and then plateau for a period of weeks. It may happen, and that would be great, but I don’t think we can count on it.

But there will likely be new variants in 2022. Will that require new vaccines or more boosters?

As long as we fail to vaccinate the Southern Hemisphere, we risk generating new variants, that’s how we got Delta from India and Omicron from Southern Africa. So, vaccinating the world is a priority.

What’s the importance of Corbevax, or BioE COVID-19 that you helped develop at the Texas Children’s Center for Vaccine Development?

Corbevax is the vaccine from Biological E in India, co-developed with our technology. The center is co-headed by myself and Dr. Maria Elena Bottazzi. We’re hoping this 8 | Mv | January + February 2022

will be released soon for Emergency Use (EUA) in India, followed by authorization in additional countries where we also transferred the technology.

Will the world go from a pandemic to an endemic situation and how will the public deal with that?

It’s not predestined if we can vaccinate the world. There are lots of different possible situations.

What needs to happen on the world stage to prevent situations like this in the future, or can we?

We must build vaccine development capacity locally across the world’s low- and middle-income countries (LMICs are defined as countries with $1,006 to $3,955 Gross National Income per capita). The current model is way too dependent on the Big Pharmas and we’ve seen in this pandemic what happens when we do that — the Northern Hemisphere gets vaccinated, leading the Southern Hemisphere vulnerable. At Baylor College of Medicine and Texas Children’s Hospital, we’re working hard to fix that situation by partnering with vaccine producers in LMICs. Keep informed about COVID-19 and Dr. Hotez’s efforts on peterhotez.org or follow him on Twitter @peterhotez. You can donate to the vaccine efforts here: waystogive.texaschildrens.org/reasons-to-give/vaccine-development-covid.html.

January + February 2022

| Mv |9

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Arts +

EVENTS

Intown’s Classical Music Critic, the Hon. Philip Berquist Honorary Consul of the Republic of Croatia for Texas

For more arts and events go to www.houstonintown.com

Classical Music Update Maestro Christoph Eschenbach

10 | Mv | January + February 2022

After a wretched 2021 in Houston Classical music scene, 2022 is not exactly flowing with promises of improvement, but one must remain hopeful.

Houston Symphony Orchestra January 2022 • “Harry Potter and the Half-Blood Prince” This concert presents the magic of the sixth installment of J.K. Rowling’s Harry Potter series. Portions of the film will be shown in HD in Jones Hall accompanied by the Houston Symphony.

• Friday, 14 January, 7:30 pm • Saturday, 15 January, 7:30 pm • Sunday, 16 January, 2:30 pm • “Christoph Eschenbach Returns” The famed conductor returns to lead the orchestra with a program of the Ibert Flute Concerto, Beethoven Piano Concerto No.4, and the Brahms Symphony No. 1.

Maestro Eschenbach will be accompanying Stathis Karapanos on flute and Jan Lisiecki on piano.

• Friday, 21 January, 8:00 pm • Saturday, 22 January, 8:00 pm • Sunday, 23 January, 2:30 pm February 2022 • “Valentine’s Weekend: Romantic French Masterworks” Conductor Fabien Gabel leads a program of Stravinsky - Chant funébre (Funeral Song), Nadia Boulanger - Fantaisie variée for Piano and Orchestra, Franck - Variations symphoniques, Lily Boulanger - Scenes from Faust et Hélène. Soloists include Alexandra Dariescu, piano, Sasha Cooke, mezzo-soprano and Matthew White, tenor.

• Friday, 11 February, 8:00pm • Saturday, 12 February, 8:00pm • “An Afternoon with Itzhak Perlman” From the HSO website - “Spend an unforgettable afternoon with the reigning virtuoso of the violin, Itzhak Perlman. Perlman will tell some fascinating stories from his life and career in this special multi-media program. He will also introduce footage from the Grammy-nominated Itzhak documentary and perform live on stage with his longtime friend and pianist, Rohan De Silva.”

• Sunday, 13 February, 2:30 pm All of these HSO performances are at Jones Hall.

Health and Safety Update: Face coverings required inside Jones Hall.

Houston Grand Opera The winter repertory of HGO is exciting, with two productions scheduled.

• “Dialogues of the Carmelites” by Poulenc Set during the French Revolution, this two-act work deals with the martyrdom of nuns of the Carmelite convent. Starring the arguably most celebrated dramatic soprano globally, Christine Georke, the tragedy is conducted by HGO Music Director Patrick Summers and is a production of the legendary Francesca Zambello. Sung in French with projected English translation.

• Friday, 14 January, 7:30 pm • Sunday, 16 January, 2:00 pm • Wednesday, 19 January, 7:30 pm • Saturday, 22 January, 7:30 pm • “The Magic Flute” by Mozart This favorite returns with a new production that features the cast “interacting with silent film-style projections.” Conducted by Dame Jane Glover, making her HGO debut.

• Friday, 4 February, 7:30 pm • Sunday, 6 February, 2:00 pm • Tuesday, 8 February, 7:30 pm • Thursday, 10 February, 7:30 pm • Saturday, 12 February, 7:30 pm • Sunday, 13 February, 2:00 pm All performances are at the Brown Theater at Wortham Center.

That is it for now. Keep a close eye at www.houstonintown.com/arts+events for schedule changes.

As always, thanks for the continued support and feedback at classicalmusicberquist@gmail.com.

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Rev. Dr. Tamla Wilson

Brigitte and Bashar Kalai Gala Co-Chairs with Honoree Paula Sutton

TAPESTRY GALA RAISES OVER $600,000 FOR INTERFAITH MINISTRIES Karen and Jay Harberg Paula Sutton and Bill Gross

Over 530 community leaders gathered in their masked and vaxxed best to celebrate the work of Interfaith Ministries for Greater Houston at the organization’s 2021 Tapestry Gala held at the Hilton Americas-Houston.

The Tapestry Gala is known for attracting a diverse crowd, mirroring Houston’s diverse and robust culture. The event raised much-needed funds for the services of Interfaith Ministries including: Meals on Wheels/Animeals, Refugee Services, Interfaith Relations and Community Partnerships, Volunteer Houston and Serve Houston.

This year’s event honored three long-time Interfaith Ministries supporters: Tapestry Award honoree Paula S. Sutton, Spirit of Respect honoree Rev. Dr. Jim Bankston, and Corporate Champion honoree Sysco. The presenting sponsor was Shell.

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12 | Mv | November + December 2021

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Domaine du Pavillon Albert Bichot

Discovering “Albert Bichot Bourgogne Vieilles Vignes de Pinot Noir” from Burgundy at Spec’s Wines

O

By Virginia Billeaud Anderson

ver the years, I’ve had opportunities to toss back wine in other countries. It’s hard to imagine anything that’s more fun, and I’m looking forward to doing more of that. One day for instance, I want to travel in the Mendoza to taste Argentinian Malbecs. It’s also fun to experiment when I’m stuck in Houston. I select a wine-making region, then go shopping for a great-tasting but inexpensive bottle from that region. Part of the fun is to do a tiny bit of research into the wine’s origin, which I personally enjoy as much as knocking it back. For this reason, I strolled into Spec’s Wines in downtown Houston recently and told the sales assistant I wanted to see inexpensive reds from Burgundy.

Photos by Flore Deronzier 14 | Mv | January + February 2022

“What’s inexpensive?”

Under $20 When the guy suggested a Burgundy Pinot Noir, I hesitated, because Pinot Noir sometimes lacks the full-bodied taste I enjoy.

“Not this one,” he said, as he wrenched a bottle of “Albert Bichot Bourgogne Vieilles Vignes de Pinot Noir” from the shelf. The instant I tasted the Pinot, I knew I had scored.

Full-bodied taste kicked my mouth, while the wine was smooth going down.

I was drinking an elegant wine that was

surprisingly inexpensive.

I began my research by checking out the words on the bottle’s label. “Bourgogne Vieilles Vignes de Pinot Noir” revealed a couple of things. “Bourgogne” means the grape vines are grown in Burgundy France. The label lacks a “village” name, which indicates the wine producer purchases grapes from multiple villages in Burgundy. Lacking the premier cru or grand cru or village designation, the label tells me the wine is “regional.”

Two words on the label helped me know more. “Vieilles Vignes” translates

Domaine du Clos Frantin Albert Bichot

to “old vines,” so I checked the wine producer Albert Bichot’s product description on its website to know the age and location of the old vines. The product description said my wine was made from Pinot Noir grapes on vines that are between 25 and 30 years old, located in the Côte de Beaune and Côte de Nuits section of Burgundy. I knew enough about France to know that together the Côte de Beaune and Côte de Nuits make-up Burgundy’s preeminent wine region, the Côte d’Or. The word “Bourgogne” is often interpreted to mean grapes from anywhere within Burgundy, but now I knew my Pinot Noir grapes were from Burgundy's Côte d’Or. Regulated by the French system of Appellation d’origine contrôlée (AOC), Burgundy's Côte d’Or produces some of the most expensive wines in the world.

Experts can glean additional information about the wine. Such as “terroir,” which is essentially how soil, slope, exposure and weather affect taste. Understanding of how fossil-rich subsoils from past geologic eras add complexity of taste is an example of terroir. Predicting how an abundance of frost affects taste is an example of terroir. Terroir is a complicated subject, about which I’m ignorant, yet I find it fascinating. When wine snobs discuss terroir to impress other people, there's a good chance they don't understand this complicated topic. The winemaking process is similarly complex. It involves things like yeast and malo-lactic fermentation, and oak barrel storage. But all of that is over my head. I simply know that my Albert Bichot Bourgogne Vieilles Vignes de Pinot Noir wrenched from the shelf in the "Burgundy" section at Spec’s Wines downtown is not pricey and doesn’t taste like garbage, to the contrary it has a lovely taste.

I researched the Pinot Noir’s producer. Domaines Albert Bichot is a family-owned wine making and wine selling business based in the town of Beaune. The Albert Bichot business goes back six generations, dating to 1831. The company, called a “négociant,” has 247 acres, divided among six estates.

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| Mv |15

Vendanges Albert Bichot

Domaine du Clos Frantin Albert Bichot

It employs 172 people and makes 137 different wines. Last year “Le Monde” called the company’s leader Albéric Bichot, “one of the four largest traditional wine merchants in Burgundy.”

As always, the history dazzled me.

The ancient Romans cultivated the Pinot Noir vine on steep hillsides in Burgundy, which means that while he was walloping the Gauls, Julius Caesar drank the wine. Some viticulturists and archaeolo-

gists believe the grape predated the Romans as well as the Greeks and was native to Bourgogne, although this is uncertain.

What is certain is Pinot Noir is one of France’s oldest grapes. Medieval monastic communities such as the Abbey of Cluny made innovations to wine making and production in Burgundy soon after antiquity, and Pinot Noir was historically recorded in France in 1375. Later in the Middle Ages, the Dukes of Burgundy

introduced this wine to other European royalty, its popularity spread.

One of my favorite things about researching a wine is seeing images of the vineyards and châteaux and other architecture, usually quite historical. How I adore this. These images from Domaines Albert Bichot’s website are by Flore Deronzier. www.specsonline.com www.albert-bichot.com

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November + December 2021

| Mv |17

Robert and Candice Horry, Rachel and Jeff Bagwell

Beth Young, Dr. Bob Wilkins, Dr. Mary Ann Reynolds Wilkins Edna Meyer-Nelson, Laura Ward

Shafik Rifaat and Shelby Hodge Cyndi Lauper

Frank Spagnoletti, Tony Buzbee Cal and Hannah McNair

Morris 18and|Toni MSmith v | November + December 2021 Mario Elie, Tamara Washington, Gina Gaston, Laura Ward

Russell and Monica Ybarra

Kevin Black, Tony Bradfield, Joanna and Brad Marks

Cyndi Lauper Headlines 24th Annual Houston Children’s Charity Gala

T

Tommy Kuranoff, Maria Moncada Alaoui, Laura Ward, Frances and Tony Buzbee

Ilene Allen, Doug Vrooman

Dr. Steven Farrell, Suzanne Klein, Edna Meyer-Nelson, Dennis Wright

Trini Mendenhall, Philip Royalty

April and Dr. Jorge Salazar

Carol Sawyer, Reverend Mary Gracely Paige Fertitta, Lorraine Jacobs, Laura Mudd, Tammy Michaelis

Margaret Alkek Williams, David Wuthrich

ime after time, for 25 years Houston Children’s Charity has been at the forefront of providing beds, vans, school supplies, clothing, toys and more for Houston’s children.

80s pop icon Cyndi Lauper headlined the 24th Annual Houston’s Children’s Charity Gala.

For the first time in Houston Children’s Charity Gala history – close to 600 supporters left their black tie and ball gowns at their crib to show up in their true colors in cocktail and 80s glamor at The Post Oak Hotel. Gala Chairs Frances and Tony Buzbee spearheaded the effort that raised a record-breaking $2.8 million for Greater Houston’s underprivileged, abused, and disabled children.

Emcee KTRK-TV ABC 13’s Gina Gaston welcomed guests and Houston Children’s Charity President and CEO Laura Ward, recognized 2020 Gala Chair Hallie Vanderhider who assisted in raising funds in a year where there was no gala.

Girls and guys too – just want to have fun and bid high on the Big Board auction items, which included diamonds, designer handbags, shopping excursions, furs, and dining experiences with baseball royalty, art, trips to Argentina, Colorado, the Buzbee Ranch in Montana, and more.

Adding a bit of surprise to the fundraising excitement, all guests were given a chip to be scanned by Tenenbaum Jewelers in the foyer for a chance to be an instant winner in their gift bags. Donations of $100-$500 could be made for an additional chance to win jewelry, gift certificates and more prizes.

The bodacious crowd got psyched to bop the night away as Lauper took the stage and performed all her top hits and headbangers, including the iconic tunes: Time After Time, Girls Just Want to Have Fun, and True Colors.

January + February 2022

| Mv |19

The

GAME

M

ario Elie won two NBA championships with the Rockets, one in 1994 and again in 1995, a third in 1999 helping the San Antonio Spurs win their first NBA title. Elie was dubbed the “Junkyard Dog” by his teammates. He had a reputation as a tough defender, a fierce competitor, and an accurate and clutch outside shooter.

Currently, Ellie is an analyst on the Houston Rockets broadcast team.

Elie is married to Gina Gaston, a journalist, and anchorwoman for Houston’s Channel ABC13. Elie and Gaston have triplets.

ESPN 97.5/ESPN 92.5. hosts Jeremy Branham and Joel Blank caught up with Ellie to talk Rockets basketball and reminisce about those Rockets glory days in the ‘90s.

Jeremy Branham: Mario Elie is is very explosive. When the ball moves with us. Thanks for coming in! What do side to side and guys are attacking. I’m sure we will talk more about Garrison you make of these Rockets?

Mario Elie: Crazy, JB, but very Mathews, who’s just added a nice edge excited. I’ve been going to a lot of the to the team. I love his story and love the games covering them. I just got to give toughness he brings to the squad.

Jeremy Branham: Shockingly, credit to Coach Silas; after losing 15 games, you can usually lose a young you like the toughness, considering that team. But his voice was consistent, and was kind of what you used to do for the he’s been waiting 20 years for this op- Rockets when they were winning titles, portunity to coach, so he wants to do with you as the Junkyard Dog. Mario Elie: I think those guys are it his way. So now I think the guys are buying into what he’s selling, and it’s pieces. We still need our stars to be stars.

You know, we picked Jalen Green seclooking good.

Joel Blank: But ‘Rio, all your years ond, we got Kevin Porter. You know, and you’ve been in multiple different Christian Wood is playing some really positions. But as a longtime coach, you good ball. But I’m just liking what I’m know the best success comes when they seeing right now. Now guys are taking charges. That’s an underrated stat. play as a team.

Jeremy Branham: Mario Elie is Mario Elie: Yes, and I think Jalen joining us in the studio at ESPN 97.5/ needs a little help. He’s a two-guard and 20 | Mv | January + February 2022

ESPN 92.5. Whenever you hear that name, you think Kiss of Death. Houston Rockets beating the Suns trailing in the Series three to one at the time, the first team ever to be down three one with only one home game to win the series. What do you remember about that play? And how often do people come up to you and talk about that?

Mario Elie: All the time. Great play.

I remember just a group of guys I was in the bunker with being down three one, us laughing down three one flying down to Phoenix, not seeing panic in that group.

That was a fantastic group of men that fought with us, and we’re confident that we would come back. It was just something about that group. But, you know, we were blowing kisses and started Game five and Joe Klein blowing kisses. He’ll make a bucket, blow a kiss, and it was all in fun. So I felt once we won that game five in overtime, I knew we were going to kill him at home. We did that, and then I thought it in Game seven. I got Hakeem Olajuwon on the road in a game seven at the time, the best player in the league.

You know so that I would take my chances, and it’s because of him that I could get that three. Once I let it go and went in, that first guy I looked at was Joe Klein.

And you know what happened next? I

blew him the kiss of death, and he was turning red as an apple.

Joel Blank: But even in the moment, Rio, the thing is, is that you don’t fathom it was a big shot for your team at that moment because I was there every step of the way. I sat behind Rudy for that game because there wasn’t TV, and I knew Rudy was like, Run the clock, run the clock, right? And he saw you. And he was like, No, no, no. And then everybody went nuts. But you don’t think about the long-term ramifications at the time. It just had the vote the other night on AT & T Sportsnet, and they said the most, the most monumental play in Rockets history, you would think, Dream with that on David Robinson, and here comes the kiss of death because that is the Houston Rockets during that run.

Mario Elie: Absolutely. I mean, like you said, being down three one, having the hardest road, I know they polled, and the toughest championship road was in 95 No home court. US winning nine road games against Shaq, Barkley, Robin-

Mario Elie, with Tamara Washington, Gina Gaston, Laura Ward at the 24th Annual Houston’s Children’s Charity Gala.

son, MVP, Karl Malone, Stockton...

Joel Blank: I’m not happy that you’re not coaching, and you know that, and I thought you got a raw deal when you were one of the hottest commodities going a few years ago. You’ve made the transition to broadcast. I don’t know how you got to start, who gave you a look, but how do you like the broadcast side of things?

Mario Elie: Enjoying it, getting to enjoy time with my wife. You know, I’ve

been on the road a lot, raising triplets.

Yeah, Everybody’s out of the house now.

So life is really good right now. We sold our home, so we downsized. And the wife & I enjoy living in the city, life in Houston, and working with Murph and Kevin, and Cayleigh, just a great group of people. We’re having a blast.

Jeremy Branham: Rocket legend Mario Elie stopping by. Thanks for joining us, Mario.

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FINANCIAL FOCUS

Countdown to retirement Getting ready financially

F

or most of your career, you’ve dreamed of and worked toward the day when you say goodbye to the routines of 9-to-5 and hello to more “me time.” Travel beckons, hobbies and new pastimes await, and the promise of a brand new chapter to write for yourself is just over the retirement horizon. If 2022 is the year you’re ready to say, “I’m retiring,” you’ll want and need to spend some time preparing for the big event.

By Robert May Assistant Vice President Frost Commercial Banking

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• Decide what you’ll do in retirement.

Though you may have spent years building a retirement nest egg, it’s not likely that you’ve spent as much time defining exactly what retirement looks like for you. Work part-time? Travel? Take classes? Try out new pastimes or interests?

Something else? Give some thought to what excites you about a new season in your life and what you’d like to achieve in retirement. Doing so, say financial experts, can help you more precisely define your future financial needs and enable you to outline at least a rough retirement budget.

• Visit with your financial professionals, including your wealth advisor, CPA,

and if appropriate, your tax attorney.

They can provide guidance about specific actions to take and decisions to make as you prepare to leave full-time work life behind. They may also be able to suggest professional resources who can discuss retirement benefits, such as Social Security and Medicare.

• Talk to your employer about retirement benefits to which you may be entitled, such pensions and retiree health insurance, and employer-sponsored retirement savings plans in which you participate to understand how they work in retirement. Many large companies offer preretirement counseling through their human resources department to help

Would you like to talk to a financial professional?

Contact Robert May at 713.388.7821 or Robert.May @frostbank.com.

Investment and insurance products are not FDIC insured, are not bank guaranteed, and may lose value.

Brokerage services offered through Frost Brokerage Services, Inc., Member FINRA/SIPC, and investment advisory services offered through Frost Investment Services, LLC, a registered investment adviser. Both companies are subsidiaries of Frost Bank.

Investment management services, financial planning and trust services are offered through Frost Wealth Advisors of Frost Bank.

employees transition to retirement.

• Research how Medicare works, what supplemental insurance coverages you will likely need and what typical costs are. Good resources include Medicare insurance specialists and recent retirees who have found their way through sometimes confusing requirements.

• Decide when you want to claim So-

cial Security benefits and determine how Social Security and any resulting tax consequences will fit into your finances.

• Ask questions all along the way.

Much of what you need to know for retirement may be new and sometimes confusing. In the end, preparing for retirement is all about asking, learning and acting.

Additionally, insurance products are offered through Frost Insurance.

Deposit and loan products are offered through Frost Bank, Member FDIC. Frost does not provide legal or tax advice. Please seek legal or tax advice from legal and/or tax professionals.

WE ’RE IN THE PEOPLE BUSINESS. W E J U S T H A P P E N TO B E A B A N K .

Unmatched service. Sound advice. And peace of mind knowing your money is well cared for.

Now, how can we help you today?

Visit us at frostbank.com or call at (800) 51-FROST.

MEMBER FDIC

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