St. Joseph Villa Foundation for Charity Care

Jerry F. Nichols is a stellar example of continuing to work and support his community long after many have retired.At age 79, he continues to serve as full-time executive vice president of Brown & Brown Insurance and financial representative for Northwestern Mutual. Also, for many decades, Nichols has quietly set an inspiring example through philanthropy, dedicated to improving the lives of children and working adults in Southwest Florida.Combining his career success and philanthropy is something Nichols was recognized for five times by the Northwestern Mutual Financial Network. Nichols was also named a Junior Achievement Hall of Fame Laureate, which honors influential, visionary leaders who have significantly impacted the educational landscape for youth in Southwest Florida in entrepreneurship, work readiness and financial literacy.Late last year, Nichols solidified this commitment to the community by making the first major donation to Healthcare Networks capital campaign. This donation will support the construction of the nonprofit organizations planned 20,000-square-foot health center in the Orangetree area of Golden Gate Estates, ensuring essential access to affordable healthcare for the community.The Orangetree area has grown over 75% in the last several years, which makes the lack of healthcare services alarming, said Jamie Ulmer, Healthcare Network president and CEO. Jerrys continued support of our mission is a testament to his generosity and commitment to making Collier County a healthier place for everyone.Located in northeastern Collier County between Ave Maria and Golden Gate, the planned health center is projected to provide care to nearly 30,000 patients in its first year. The array of comprehensive services will include pediatrics, adult and senior care, obstetrics and gynecology, dental care, x-ray and lab, behavioral health counseling and a drive-thru pharmacy.I believe health care is vital to keeping any community thriving, Nichols said. Everyone should have access to essential primary care services. Supporting the construction of the new health center means that Orangetree residents, including vulnerable children and seniors, have access to affordable and comprehensive care without needing to leave their own community.In 2018, Nichols received Healthcare Networker of the Year Award for his pivotal role in supporting the improvement of pediatric care in Collier County for thousands of area children. Then, he was recognized as the lead donor for the Nichols Community Health Center, a 50,000-square-foot primary health care facility in the heart of the Golden Gate community that opened in 2020. This center significantly enhanced essential healthcare services for the largest underserved population in Collier County. Along with the Nichols Pediatric Center at the YMCA of Collier County, it reinforces Nichols vision of making quality healthcare accessible to all children and their families in Southwest Florida.Nichols has not only made financial contributions but has also dedicated his time to numerous causes, primarily focusing on local children and education. Some of the many not-for-profit organizations supported by him include the Boys and Girls Club of Collier County, Junior Achievement of Southwest Florida, the Community Foundation of Collier County, the Ronald McDonald House of SWFL, and Healthcare Networks Ronald McDonald Care Mobile. In addition, Nichols provides support to various Lee Health programs, including Golisano Childrens Hospital, Golisano Childrens Health Center in Naples, and Golisanos Pediatric Behavioral Health Center in Bonita Springs.  I have focused my efforts and financial support on organizations that have an impact on childrens lives through education, access to health care, and safe environments that help them grow and develop into their full potential, Nichols said. When children arent healthy, theyre not reaching their full potential.   Healthcare Network is actively seeking contributions for its capital campaign with the goal of raising $15 million. Community support is pivotal to achieving this goal and ensuring that every resident in Collier County has access to essential primary care services. Visit HealthcareSWFL.org to learn more about Healthcare Network's mission and contribute to the capital campaign. By Gabrielle OBoyle, director of public relations and marketing, Healthcare Network

If you save and investfor decades, youd like to know you can retire without financial worries.Nonetheless, you still have to be aware of some threats to a comfortableretirement and how to respond to them.These threats include: Inflation Inflation has beenhigh recently, but even a mild inflation rate can seriously erode yourpurchasing power. In fact, with just a 3% inflation rate, your expenses could doublein about 25 years and your retirement could easily last that long. So, if youregoing to rely on your investment portfolio for a sizable part of yourretirement income, you will need to own a reasonable number of growth-orientedinvestments, such as stocks or stock-based funds, whose potential returns can equalor exceed the inflation rate. Excessive withdrawals Once you retire, youshould establish a withdrawal rate for your portfolio an amount you can takeout each year and still feel secure that you wont run out of money. Some peoplemake the mistake of withdrawing too much, too soon, once theyre retired. Yourwithdrawal rate should be based on several factors, including your age at retirement,the size of your portfolio and the amount of income you receive from other sources,such as Social Security. A financial professional can help you determine awithdrawal rate thats appropriate for your needs. Market volatility The financial marketswill always fluctuate. When youre still working, this volatility may not besuch a problem, as you have years or decades to recover from short-term downturns.But when you retire, you dont want to have to sell investments when their priceis down. To help prevent this, you can tap into the cash in your portfolio, assumingyou have enough to cover several months worth of living expenses. You could also draw on a CD ladder a group of CDs thatmature at different times to provide you with resources for the next fewyears and allow your equity investments time to recover their value. Unexpected costs You had them when you were working, and youll probably have themwhen youre retired: the furnace that breaks down, the car that needs a majorrepair, and so on. But if youve established an emergency fund containing ayears worth of living expenses, with the money kept in a liquid account, youmay be able to ride out these costs without jeopardizing your investmentportfolio. Be sure to keep these reserves separate from your typical day-to-dayaccounts to avoid the temptation of spending your emergency money. Health Retirees may face more health concerns thanyounger people, and those concerns often come with larger medical bills. Thatswhy its important to maximize the benefits from Medicare or your MedicareAdvantage plan. Also, if you contributed to a Health Savings Account (HSA)while you were working, and you havent depleted it, you can use the money inretirement. As long as the HSA funds are used for qualified medical expenses,withdrawals are tax- and penalty-free, and wont be included in your income. Thiscould help keep your income below certain levels, lower your Medicare premiumsor avoid the 3.8% surtax on net investment income that can be assessed on high-net-worthtaxpayers. Retirementcan be a pleasant time in your life and youll enjoy it more if youre preparedfor the challenges that face all retirees.     Chad Choate III, AAMS   Bradenton's Riverwalk   828 3rd Ave W   Bradenton, FL 34205   941-462-2445   chad.choate@edwardjones.comThis article was written by Edward Jones for use by your local EdwardJones Financial Advisor.Edward Jones, Member SIPC

Seniors BlueBook, York SOS and SING are conducting a service project for ALPHA (the Alliance for Low Income Personal Care Homes Advancement).ALPHA Residents are typically the most vulnerable, with little to no financial resources and care needs that exceed independent living. Without an ALPHA home, many of these residents would end up back in the hospital. ALPHA providers are typically reimbursed for their services at the rate of only $37 per day ($1129 per month) which is supposed to cover room, board, and all care costs!While ALPHA is working with officials to get this reimbursement amount raised, the providers would appreciate donations of the following items, in any quantities:Paper TowelsHand-soapHand-sanitizerMasks GlovesTowels*Wash cloths*Single fitted sheets*Single flat sheets*Single size blankets*PillowsPillowcases*FlatwareWord search/puzzle booksAdult coloring books, colored pencils.Individually packaged craft projectsIndividually packaged snacks - possible bingo prizesPlaying CardsJigsaw puzzle mats*= New or Gently Used are AcceptableThese items can be ordered via Amazonhttps://www.amazon.com/hz/wishlist/ls/29GPJUYBKJN3N?ref_=wl_share&fbclid=IwAR3Z2oYw76W0JlsKPmu5qpiVlBHxJyL5pAigR3GVn3Umw323_WbKg3LNVn0as well and shipped directly to 35 Conifer Ln. York PA 17406 ATTN: Cynthia ALPHA Alternatively, these items can be purchased and dropped off at either35 Conifer Ln. York PA 17406 or at Good News Consultings Office in the York County Economic Alliance building at140 Roosevelt Ave York, PA 17403(Front Door, 2nd Floor, the donation box will be next to the elevator.) Please coordinate with Cynthia 717-917-3512 or Cynthia.gartman@seniorsbluebook.com