Long Term Care Planning
Level Four Financial - Chat Choate - MSC
For more information about the author, click to view their website: Level Four Financial
Sep 10, 2026
Florida - Sarasota, Bradenton & Charlotte Counties
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Medicare/Medicaid/Insurance in Lafayette, CO
When an older adult needs help at home and sees several clinicians, a coverage decision can affect everything from prescription refills to rides. If youre considering TRU PACE in Lafayette, start by asking how enrollment would change the care and coverage you already use. How Medicare and Medicaid Fit Into PACEPACE is the Program of All-Inclusive Care for the Elderly. It coordinates healthcare and support for eligible adults who meet a state standard for nursing home-level care and can live safely in the community with PACE support at enrollment. Applicants must also be 55 or older and live in the programs service area. TRU PACE and Your Current CoveragePhone: 303-665-0115Medicare says people with Medicaid pay no monthly PACE premium. Medicare beneficiaries without Medicaid pay premiums for the long-term care portion and Medicare Part D drugs. Medicare also says participants owe no deductible, copayment, or coinsurance for drugs, services, or care approved by their PACE team. Ask TRU PACE for an estimate based on your individual coverage before enrolling. Doctors, Prescriptions, and Existing ServicesTRU PACE says it becomes the participants insurance provider at enrollment. Participants generally receive care through the programs provider network. Bring a list of your doctors, medications, and scheduled services. Ask which providers are in the network and how the team would coordinate any changes. Why This Matters in LafayetteIf you regularly see a clinician near home or have a specialist visit scheduled outside Lafayette, give the enrollment team the names and dates. Ask which appointments can continue and what to do about any refill due around the enrollment date. How to Get Started1. Gather Your Coverage InformationHave your Medicare and Medicaid information, if applicable, along with details of any current plan. List the appointments and prescriptions you rely on most.2. Ask for an Enrollment and Cost ReviewCall TRU PACE and ask for your expected monthly cost, when any coverage change would take effect, and who would help coordinate the transition. Related Seniors Blue Book CategoriesPACE Adult Day Services Care Management
Funeral Cremation & Mortuary Services in Lafayette, CO
After a death, families may have to make several decisions in a short time. Others prefer to talk through their wishes ahead of time. In either situation, it helps to separate the practical arrangements from the decisions about how to gather, remember, and say goodbye. What Funeral and Mortuary Services CoverA funeral home can help arrange transportation and care of the person who died, assist with paperwork, and coordinate burial or cremation. A family may also arrange a viewing, funeral, memorial, or private gathering. Ask which decisions need to be made immediately and which can wait. The Natural Funeral in LafayettePhone: 720-515-2344The Natural Funeral lists natural burial, flame cremation, water cremation, and terramation, also called natural organic reduction. Water cremation uses an alkaline water process, and terramation transforms remains into soil. If one of these options interests you, ask what the process involves, how long it typically takes, and what the family receives afterward. Planning a Gathering and Reviewing CostsThe Lafayette funeral home is at 102 W Chester Street in Old Town. Ask what can take place at the Lafayette location and which parts would involve another venue or a cemetery. Request a General Price List and a written breakdown of your choices so you can see which fees cover the funeral homes work and which come from outside providers. Why This Matters in LafayetteIf relatives are coming from out of town or some guests have limited mobility, ask about parking, step-free access, and how many people the gathering space can accommodate. If you plan to hold a service and burial at different locations, check how much time guests will need between them. How to Get Started1. Write Down the Persons WishesLook for written instructions and note any cultural or religious preferences. If youre planning ahead, tell a trusted person where you keep your instructions and whom to call.2. Ask for a Written PlanCall 720-515-2344 and ask what is needed on the first call. Once youve discussed options, request the expected timeline and itemized costs before approving arrangements. Related Seniors Blue Book CategoriesCounseling Hospice Advance Care Planning
Adult Day Services in Lafayette, CO
When an older adult spends most weekdays alone, families may need more than a place for them to go. They may also be juggling transportation, appointments, and help at home. TRU PACE in Lafayette offers a day center as part of a program that coordinates those needs for eligible older adults. What Are Adult Day Services?Adult day services offer daytime support outside the home. Depending on the program, participants may spend time with peers, eat a meal, take part in activities, or receive help with daily needs. Some centers accept people directly. The Lafayette TRU PACE center serves people enrolled in its broader Program of All-Inclusive Care for the Elderly. TRU PACE in LafayettePhone: 303-665-0115TRU PACEs Lafayette center is at 2593 Park Lane. The program coordinates medical and social services and arranges transportation to the day center and medical visits as needed. Ask the enrollment team what a typical center day includes, how often a participant might attend, and how the team decides what support to arrange at home. Who May QualifyPACE applicants must be at least 55, live in the programs service area, meet the states standard for nursing home-level care, and be able to live safely in the community with PACE support at enrollment. Ask how enrollment would affect access to current doctors and prescription coverage before making a decision. Why This Matters in LafayetteWhen family members already drive someone to several appointments a week, a coordinated schedule can change who needs to be available and when. Ask how pickup would work at the persons Lafayette address and who to call if a ride or appointment changes. How to Get Started1. Ask for an Eligibility ReviewCall TRU PACE. Have the participants ZIP code, current coverage, and a short list of the help they need. 2. Ask to Visit the CenterFind out what the participant might do on a center day, how transportation works, and what changes to their current care arrangements enrollment would involve. Related Seniors Blue Book CategoriesCare Management Transportation Respite Care
Local Services By This Author
Level Four Financial - Chad Choate
Financial AdvisorChad Choate, III is a Private Wealth Advisor, Business Unit Leader, and Insurance Agent with Level Four Financial, helping individuals, families, business owners, and private clients make informed financial decisions and build strategies designed around their goals. With AAMS and CEPA professional designations, Chad takes a comprehensive approach to wealth management, bringing together investment strategies, financial planning, insurance, retirement planning, business solutions, and advanced wealth planning.Through Level Fours integrated financial platform, Chad and the Level Four team provide access to a broad range of financial services designed to help clients organize their finances, build and preserve wealth, manage risk, and plan for the future. These services include financial planning, investment management, retirement planning, estate planning, family needs planning, insurance planning, tax planning, and financial organization and analysis.For business owners and executives, Level Four provides specialized business solutions, including tax planning, exit planning, employee retention strategies, asset and risk management, executive benefits, retirement plan consulting, and buy-sell consulting. These services are designed to address the intersection of business and personal financial goals while helping owners prepare for growth, transition, and long-term success.Chad can also leverage Level Fours advisory services for corporate retirement plans, pooled employer plans, plan assessments, investment management, fiduciary support, investment reviews, plan enrollment, and financial education. For high-net-worth and multigenerational families, Private Client Services include estate planning, multigenerational planning, advanced planning, retirement plan consulting, and high-touch white glove service.Level Fours capital management resources provide access to professional portfolio management and a variety of investment strategies, including equity and fixed-income separately managed account strategies, asset allocation models, alternative investments, and cryptocurrency solutions. Through Level Four Financials brokerage platform, clients can also access stocks, bonds, ETFs, mutual funds, annuities, options, and alternative investments, along with standard, retirement, and joint brokerage accounts.As an Insurance Agent, Chad also has access to Level Fours insurance and risk-management resources, including life insurance, long-term care solutions, Medicare, fixed and variable annuities, corporate retirement solutions, and pooled employer plans. Level Fours broader insurance platform provides access to more than 100 insurance carriers, giving clients a wide range of options for protecting income, managing risk, and preserving wealth.Level Four also offers specialized sports and entertainment financial services for athletes and entertainers, addressing the unique financial considerations associated with high-profile careers, wealth accumulation, protection, and long-term planning.The Level Four approach is built around an integrated four-step process: Organize, Create, Plan, and Communicate. Rather than treating investments, insurance, taxes, retirement, estate planning, and business decisions as separate issues, the firm brings specialized professionals and resources together to create a more comprehensive financial strategy. Level Four describes its platform as an all-in-one solution connecting investment advisory, insurance, planning tools, and expert support.For clients working with Chad Choate, this means access to a multidisciplinary team and a broad suite of financial resources designed to simplify complex financial decisions. Whether the goal is preparing for retirement, growing and protecting wealth, managing a business, planning an exit, addressing insurance needs, or creating a multigenerational legacy, Chad and Level Four Financial provide personalized guidance and coordinated strategies designed to help clients pursue their financial goals.
Level Four Financial - Chad Choate
InvestmentsChad Choate, III is a Private Wealth Advisor, Business Unit Leader, and Insurance Agent with Level Four Financial, helping individuals, families, business owners, and private clients make informed financial decisions and build strategies designed around their goals. With AAMS and CEPA professional designations, Chad takes a comprehensive approach to wealth management, bringing together investment strategies, financial planning, insurance, retirement planning, business solutions, and advanced wealth planning.Through Level Fours integrated financial platform, Chad and the Level Four team provide access to a broad range of financial services designed to help clients organize their finances, build and preserve wealth, manage risk, and plan for the future. These services include financial planning, investment management, retirement planning, estate planning, family needs planning, insurance planning, tax planning, and financial organization and analysis.For business owners and executives, Level Four provides specialized business solutions, including tax planning, exit planning, employee retention strategies, asset and risk management, executive benefits, retirement plan consulting, and buy-sell consulting. These services are designed to address the intersection of business and personal financial goals while helping owners prepare for growth, transition, and long-term success.Chad can also leverage Level Fours advisory services for corporate retirement plans, pooled employer plans, plan assessments, investment management, fiduciary support, investment reviews, plan enrollment, and financial education. For high-net-worth and multigenerational families, Private Client Services include estate planning, multigenerational planning, advanced planning, retirement plan consulting, and high-touch white glove service.Level Fours capital management resources provide access to professional portfolio management and a variety of investment strategies, including equity and fixed-income separately managed account strategies, asset allocation models, alternative investments, and cryptocurrency solutions. Through Level Four Financials brokerage platform, clients can also access stocks, bonds, ETFs, mutual funds, annuities, options, and alternative investments, along with standard, retirement, and joint brokerage accounts.As an Insurance Agent, Chad also has access to Level Fours insurance and risk-management resources, including life insurance, long-term care solutions, Medicare, fixed and variable annuities, corporate retirement solutions, and pooled employer plans. Level Fours broader insurance platform provides access to more than 100 insurance carriers, giving clients a wide range of options for protecting income, managing risk, and preserving wealth.Level Four also offers specialized sports and entertainment financial services for athletes and entertainers, addressing the unique financial considerations associated with high-profile careers, wealth accumulation, protection, and long-term planning.The Level Four approach is built around an integrated four-step process: Organize, Create, Plan, and Communicate. Rather than treating investments, insurance, taxes, retirement, estate planning, and business decisions as separate issues, the firm brings specialized professionals and resources together to create a more comprehensive financial strategy. Level Four describes its platform as an all-in-one solution connecting investment advisory, insurance, planning tools, and expert support.For clients working with Chad Choate, this means access to a multidisciplinary team and a broad suite of financial resources designed to simplify complex financial decisions. Whether the goal is preparing for retirement, growing and protecting wealth, managing a business, planning an exit, addressing insurance needs, or creating a multigenerational legacy, Chad and Level Four Financial provide personalized guidance and coordinated strategies designed to help clients pursue their financial goals.
Level Four Financial - Chad Choate
Retirement PlanningChad Choate, III is a Private Wealth Advisor, Business Unit Leader, and Insurance Agent with Level Four Financial, helping individuals, families, business owners, and private clients make informed financial decisions and build strategies designed around their goals. With AAMS and CEPA professional designations, Chad takes a comprehensive approach to wealth management, bringing together investment strategies, financial planning, insurance, retirement planning, business solutions, and advanced wealth planning.Through Level Fours integrated financial platform, Chad and the Level Four team provide access to a broad range of financial services designed to help clients organize their finances, build and preserve wealth, manage risk, and plan for the future. These services include financial planning, investment management, retirement planning, estate planning, family needs planning, insurance planning, tax planning, and financial organization and analysis.For business owners and executives, Level Four provides specialized business solutions, including tax planning, exit planning, employee retention strategies, asset and risk management, executive benefits, retirement plan consulting, and buy-sell consulting. These services are designed to address the intersection of business and personal financial goals while helping owners prepare for growth, transition, and long-term success.Chad can also leverage Level Fours advisory services for corporate retirement plans, pooled employer plans, plan assessments, investment management, fiduciary support, investment reviews, plan enrollment, and financial education. For high-net-worth and multigenerational families, Private Client Services include estate planning, multigenerational planning, advanced planning, retirement plan consulting, and high-touch white glove service.Level Fours capital management resources provide access to professional portfolio management and a variety of investment strategies, including equity and fixed-income separately managed account strategies, asset allocation models, alternative investments, and cryptocurrency solutions. Through Level Four Financials brokerage platform, clients can also access stocks, bonds, ETFs, mutual funds, annuities, options, and alternative investments, along with standard, retirement, and joint brokerage accounts.As an Insurance Agent, Chad also has access to Level Fours insurance and risk-management resources, including life insurance, long-term care solutions, Medicare, fixed and variable annuities, corporate retirement solutions, and pooled employer plans. Level Fours broader insurance platform provides access to more than 100 insurance carriers, giving clients a wide range of options for protecting income, managing risk, and preserving wealth.Level Four also offers specialized sports and entertainment financial services for athletes and entertainers, addressing the unique financial considerations associated with high-profile careers, wealth accumulation, protection, and long-term planning.The Level Four approach is built around an integrated four-step process: Organize, Create, Plan, and Communicate. Rather than treating investments, insurance, taxes, retirement, estate planning, and business decisions as separate issues, the firm brings specialized professionals and resources together to create a more comprehensive financial strategy. Level Four describes its platform as an all-in-one solution connecting investment advisory, insurance, planning tools, and expert support.For clients working with Chad Choate, this means access to a multidisciplinary team and a broad suite of financial resources designed to simplify complex financial decisions. Whether the goal is preparing for retirement, growing and protecting wealth, managing a business, planning an exit, addressing insurance needs, or creating a multigenerational legacy, Chad and Level Four Financial provide personalized guidance and coordinated strategies designed to help clients pursue their financial goals.