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If you work for a midsize or large company, you may soon be able to review your employee benefits package, as we are entering the open enrollment season. So, consider your options carefully, with an eye toward making changes appropriate for your needs.
Here
are some of the key areas to look at:
•
Retirement plan – Depending on your employer, you could change your
401(k) or similar retirement plan at any time of the year, but you might want
to use the open enrollment season to review your contribution amounts. If your
salary has gone up over the past year, you might want to boost your pre-tax
contributions (including catch-up contributions beginning at age 50). At a
minimum, try to put in at least enough to earn your employer’s match, if one is
offered. At the same time, look over how your contributions are allocated among
the various investment options in your plan. You’ll want your investment mix to
reflect your goals, risk tolerance and time horizon.
•
Life insurance – If your employer offers group life insurance at no cost
as an employee benefit, you may want to take it – but be aware that it might
not be enough to fully protect your family should anything happen to you. You
may have heard that you need about seven to 10 times your annual income as a
life insurance death benefit, but there’s really no one right answer for
everyone. Instead, you should evaluate various factors — including your
mortgage, your income, your spouse’s income (if applicable), your liabilities,
the number of years until your retirement, number of children and their future
educational needs — to determine how much insurance you need. If your
employer’s group policy seems insufficient, you may want to consider adding
some outside overage.
•
Disability insurance – Your employer may offer no-cost group disability
insurance, but as is the case with life insurance, it might not be sufficient
to adequately protect your income in case you become temporarily or permanently
disabled. In fact, many employer-sponsored disability plans only cover a short
period, such as five years, so to gain longer coverage up to age 65, you may
want to look for a separate personal policy. Disability policies vary widely in
premium costs and benefits, so you’ll want to do some comparison shopping with
several insurance companies.
•
Flexible spending account – A flexible spending account (FSA) lets you contribute
up to $3,200 pre-tax dollars to pay for some out-of-pocket medical costs, such
as prescriptions and insurance copayments and deductibles. You decide how much
you want to put into your FSA, up to the 2025 limit. You generally must use up
the funds in your FSA by the end of the calendar year, but your employer may
grant you an extension of 2½ months or allow you to carry over up to $640.
•
Health savings account – Like an FSA, a health savings account (HSA)
lets you use pre-tax dollars to pay out-of-pocket medical costs. Unlike an FSA,
though, your unused HSA contributions will carry over to the next year. Also,
an HSA allows you take withdrawals, though they may be assessed a 10% penalty. To
contribute to an HSA, you need to participate in a high-deductible health
insurance plan.
Make
the most of your benefits package — it can be a big part of your overall
financial picture.
Chad Choate III, AAMS
828 3rd Avenue West
Bradenton, FL 34205
941-462-2445
chad.chaote@edwardjones.com
This article was written by Edward Jones
for use by your local Edward Jones Financial Advisor.
Edward Jones, Member SIPC
Caregiving for the Caregiver Have you had a chance to pick up the October issue of Real Simple magazine yet? If not, it's time you did! In fact, it's our CEO's favorite magazine read because it is all about how to make life just a little bit simpler. Dont we all need that! This month, there's a particular article that speaks directly to youthe caregivers. Now, some of us have been on this caregiving journey for years, while others may have recently embarked on this path. And if you arent a caregiver yourself, chances are you know someone who is. According to Real Simple, in 2020 alone, approximately 53 million Americans were caregivers. That number is set to grow, with projections suggesting that one in five of us could be caregivers by 2030. Its a humbling statistic that reminds us all of the broader support network we might one day be a part of. At Beneficent, we're currently immersed in a book called The Go-Giver. It's an inspiring read that highlights how givingin any formcan lead to business success and personal fulfillment. Without giving away too much, the book emphasizes creating more value for others than what you receive in return. For us, this means offering more than just our services to caregivers like you. We want to provide you with certainty and peace of mind, ensuring that your financial resources are sufficient to care for your loved ones, allowing you to finally take that long-deserved vacation. Whether you are a caregiver or you know someone who is, its important to remember to give a little care back to yourselves. Caregiving is an incredibly rewarding but often challenging role. It can sometimes feel isolating, physically demanding, and emotionally taxing. If you're a caregiver, remember to carve out time for yourself, even if its just a few precious moments each day. And for those of you who know a caregiver, think about ways you can support them. A small gesture, a listening ear, or some practical help can go a long way in easing their load. Ultimately, whether you're the caregiver or the one supporting them, remember that were all here to support each other in this community. Taking care of those who take care is a gift in itself.BeneficentWe provide trustworthy long-term care guidancefor deeply caring family members facing a critical long-term care financial crisis. We help clients understand, prepare, and qualify for programs covering high costs of Long-term Care including adult day care home care assisted living memory care nursing homes.
Section 1What is a Renovation Loan?Available for buying or refinancing a home, Renovation Loans roll mortgage and remodeling costs into one loan. Renovation Loans are based on a homes estimated value after renovations are complete, allowing you to borrow more than a traditional home equity loan. By improving the value of the home, the renovations can help you build equity faster than you could buying a move-in ready house, giving you more control over the value of your property.By preserving older homes or those in disrepair, Renovation Loans help refresh and revitalize neighborhoods and provide a way for buyers to purchase in a pricier neighborhood at a more affordable rate. After all, homes needing work rarely list at full market value. Your willingness to invest time and patience while living in a construction zone can pay off in a lower overall purchase price. Whether you add a bathroom, knock out some walls, install energy-efficient appliances and water-saving fixtures and landscaping, youll experience the pleasure of creating a home that truly reflects your values, tastes and lifestyle.Renovation Loans offer a number of advantages over some traditional methods of financing:Avoid depleting your savings or maxing out your credit cards to pay for needed repairs and wanted upgrades.By combining your mortgage and your remodeling loans, you simplify your monthly bill paying and may lower your interest rate.Claim a larger tax deduction by combining renovation and mortgage interest.*Build equity faster by increasing the value of your home.Add to your homes value when you decide to sell.*USA Mortgage is not a licensed to provide tax advice. For more information on tax deductions, please reach out to your licensed tax advisor.How Does A Home Renovation Loan Work?Requirements & RestrictionsWhen you qualify for a Renovation Loan, you will be subject to a variety of guidelines and limitations. Most Renovation Loans require that you live in the home as your primary residence. There are limits to the amount of money you can borrow as well as what kind of projects you use it for.You must use licensed contractors for any structural, electrical or plumbing renovations. And you can only have one general contractor overseeing work on your home. Your mortgage lender wants to protect its assets until the loan is paid off. So, theres no cutting corners by hiring your part-time handyman buddy or doing it yourself. You and your contractors must abide by a set payment schedule. And, you may be required to work with a consultant to manage the renovation process.Section 2Types of Renovation LoansCustomize your home and find the perfect mortgage loan solution. With over a dozen financing options to choose from, youre sure to find the right loan to turn your fixer-upper into the home of your dreams.FHA 203(k) LoansInsured by the Federal Housing Administration, FHA 203(k) loans are backed by the government, making them a good choice for buyers who need a low down payment or have less-than-stellar credit. Available in Limited and Standard options, they can be used to purchase a one- to four-unit family home, individual or site condominium unit or a mobile or manufactured home.Advantages:3.5% minimum down payment optionLower credit score requirementsNo income limitsA $5,000 minimum on renovation costsGifts allowedSeller contributes of up to 6% of the purchase price15- to 30-year term with fixed interest rateDisadvantages:Requires Mortgage Insurance Premium which can be rolled into the monthly loan paymentsMust be an owner-occupied, primary residenceAllowed Improvements:Repair/replace roofs, gutters, and downspoutsRepair/replace/upgrade existing HVAC systemsRepair/replace/upgrade plumbing and electrical systemsRepair/replace flooringMinor remodeling, such as kitchens and bathrooms not involving structural repairsPainting, interior and exteriorWeatherization, including storm windows and doors, insulation, weather stripping, etc.Purchase and installation of appliances, including free-standing ranges, refrigerators, washers/dryers, dishwashers and microwave ovensAccessibility improvements for persons with disabilitiesLead-based paint stabilization or abatement of lead-based paint hazardsRepair/replace/add exterior decks, patios, porchesBasement finishing and remodeling not involving structural repairsBasement waterproofingWindow and door replacements and exterior wall re-sidingSeptic system and/or well repair or replacementLimited FHA 203(k) loans cover minor, non-structural repairs and upgrades up to $35,000. There is no minimum cost for renovations.Standard FHA 203(k) loans require a HUD-approved 203(k) consultant to work with the owner and the contractor to ensure all required renovations are made and payments are disbursed on-schedule, as directed. You will need to select the Standard loan if your home needs major rehabilitation work, structural repairs, landscaping or renovations exceeding $35,000. Renovations must be $5,000 or more. You cannot use the Standard loan to purchase or renovate any luxury item or make improvements that are not a permanent part of the property.Fannie Mae HomeStyle Renovation LoanThis loan can be a smart choice for homeowners with good credit and a sizeable down payment. It can be used for repairs, remodeling or energy efficient upgrades as well as to finance primary, vacation and rental properties.Advantages:Minimum 5% down payment or 10% for second homesGift funds may be used towards the down payment and closing costsOffers higher loan limitsNo restrictions on type of repairs as long as they are permanently affixed and add value to the propertyDisadvantages:Requires Private Mortgage Insurance for down payments less than 20%Cash-out Mortgage RefinancesOne of the most common choices for financing home improvements, a cash-out mortgage lets you refinance your home for more than you owe. You can then draw on the extra money to pay for your renovations. Offering a fixed interest rate, a cash-out refinance loan can lower your interest rate and/or your monthly payments.Conventional Cash-out Refinance Loans are a great option if your credit is good and youve built a lot of equity in your home. Their larger loan limits can cover more costly renovations. Conventional cash-out loans limit you to an 80% loan-to-value ratio (LTV), which is the amount of the loan divided by your homes market value.FHA Cash-out Refinance Loans are backed by the government, making it a good option for homeowners with lower credit scores and higher debt-to-income ratios. With a maximum loan-to-value ratio of 80%, an FHA cash-out lets you borrow more money, while potentially lowering your interest rate or changing the length of your loan.FHA Title 1 Loans are backed by the FHA and are a solid option for borrowers with poor credit or little-to-no equity in their home. Single-family home owners can borrow up to $25,000 for home improvements while owners of multi-family properties can borrow up to $12,000 for each additional living unit with a limit of five units or $60,000.VA Cash-out Refinance Loans are also backed by the government and are available to eligible service members and veterans as well as their unmarried surviving spouses. Allowing you to refinance up to 100% of your homes current value, a VA cash-out is a great option, even if youve only accrued 10-15% equity in your home. Unlike other types of cash-out loans, VA cash-outs do not require private mortgage insurance.Home Equity Loans & Lines of CreditAccess the money youve invested in your home while youre still living in it. Home equity loans and lines of credit are personal loans that use your home as collateral. Often used to finance college tuition, debt consolidation, or new business ventures as well as home improvements, home equity loans let you borrow up to 80% of your homes market value minus the amount you owe on the mortgage. It can be a smart choice if you have a substantial amount of equity built into your home and want to borrow a large lump sum for bigger renovation projects.Home Equity Loan Advantages:Fast approvalsLower rates and closing costsFixed interest rateFully amortizing, so you start repaying interest and principal from the beginningNo restrictions on how you use the moneyMay be tax deductibleask your tax advisorDisadvantages:Higher rates than cash-out loansSmaller loan amountsPayments do not go towards your existing mortgageAdds another monthly loan paymentHome Equity Line of Credit (HELOC) is a revolving credit line you can draw on as you need it. Typically offering variable rates, HELOCs are similar to credit cardstake out as much as you need at any time, up to your credit limit. Your monthly payments depend on current interest rates and your loan balance. You can pay it down over time or all at once as you see fit. HELOCs are a good option for smaller, less expensive or ongoing projects.HELOCs have a draw phase, during which you can draw on your credit line as much and as often as you need to while paying off the interest each month. After a set amount of time (typically 10 years), you will enter the repayment phase. You can no longer take money out of your credit line. Instead, you will make monthly payments on the interest and the principal as the loan becomes fully amortized through the remainder of your term.Home Equity Line of Credit Advantages:Borrow what you need, as you need itLow monthly payments during the draw phaseLow to no closing costsGreat for smaller or ongoing projectsPay interest only on the amount borrowed, not the entire credit lineDisadvantages:Variable interest ratesHigher rates than a home equity loanLender can change repayment termsMonthly payments can grow substantially when you enter the repayment periodOther OptionsNot all of your renovation loan options use your home as collateral. There are a number of other loans that can help you pay for home improvements.Personal Loans & Lines of CreditUnsecured loans that do not require you to put up collateral, personal loans and lines of credit eliminate the risk of losing your house or car should you become unable to repay the loan. Offering speed and simplicity, personal loans can be processed and approved quickly with far less paperwork than refinance or home equity loans require.Advantages:No home equity or collateral neededNo appraisal requireda great asset if your home is in disrepairAccess money quicklyDisadvantages:Higher interest rates, especially for borrowers with lower credit scoresLoans limited to $100,000Personal Lines of Credit are revolving lines of credit allowing you to borrow what you need, as you need it, up to the limit of your credit line. Like the HELOC, a personal line of credit functions much like a credit card, offering great flexibility in when and how much credit you draw on and how you pay it back. Unlike credit cards, credit lines have variable interest rates that can be applied to your existing balance. Be sure you understand how often and how much your lender can raise your rate before signing on to a personal line of credit.Contractor FinancingAccording to a survey by Consumer Reports, 42% of general contractors offer financing options to their clients. Some may offer to help you secure a loan through a trusted third-party lender. Rates and terms can vary widely, so make sure you understand the details, just as you would with any major financial commitment. Before signing, look for online reviews from your contractor-lenders previous customers and check with your local Better Business Bureau.Section 3Which Home Renovation Loan is Right for You?With so many renovation financing options to choose from, the question is: which one? The answer is unsatisfying: it depends.Take a long, objective look at your unique situation. Are you buying a new home or refinancing your current one? Hows your credit? Hows your equity? How extensiveand expensiveare the renovations you want to undertake? How fast do you need the money, and how much paperwork and hassle are you willing to go through?All of these questions, and more, play a role in determining the best loan for your situation.Are you a homeowner with lots of equity but a higher rate on your existing mortgage? A cash-out refinance can provide the money you need to fund your renovations while lowering your interest rate. If you have little to no equity built up or youre struggling with your mortgage, a personal loan or line of credit may be your only option.Are you dreaming of renovating a fixer-upper with good bones and lots of potential? Whether buying or refinancing, a no-equity-required FHA Title 1 loan or FHA 203(k) loan can provide the money you need. Although Title 1 loans are capped at $25,000 for single-family homes, they offer additional financing for up to five units in a multi-family property. Keep in mind that a 203(k) loan requires a great deal of paperwork and processing time, making it a less desirable option if you need to move in a hurry.Have you built a decent amount of equity? Are you happy with your current mortgage rate? A home equity loan or line of credit can provide the financing you need to renovate your home just the way you want.Are you buying or refinancing, need money for renovations, and dont mind following a long list of rules? The FHA 203k or Fannie Mae Homestyle loan may be right for you. And, if youre a veteran or active-duty military, dont hesitate to take advantage of the benefits youve earned by serving our country. Take a good look at the low-cost, easy-to-qualify-for refinance loans from the VA.Do you have bad credit? Government-backed refinance loans may be your best bet. Borrowers with lower credit scores and little-to-no home equity may consider taking out a smaller loan to get a lower interest rate or putting up collateral such as your car to get an affordable rate on a larger loan.In a big nutshell, here is a top-line look the best option for every situation:Can you lower your interest rate? Cash-out refinance Looking at an older or fixer-up home? FHA 203(k) rehab loan Undertaking a big, one-time project? Home equity loan Planning several ongoing projects? Home equity line of credit Have low-to-no equity? Personal loan Doing smaller, short-term projects? Credit cardsAn experienced and reputable Mortgage Loan Originator can help you navigate all the options and steer you in the right direction.Best and Worst Home Improvement ProjectsBefore you knock out that wall, pick out paint, or begin mentally decorating the home office youre planning to add, think about your long-term goals for your home and your family. Are you renovating to make your home safer, more comfortable, and more energy efficient? Or do you have grand visions of scoring big profits when you sell the home next year?While its entirely reasonable and desirable to reshape your home to better fit your needs, your budget and your interests, do not expect to make a killing at resale. Homeowners rarely recoup 100% of the money spent on remodeling projects. Yes, an additional bathroom, updated kitchen or in-ground swimming pool can improve your equity and resale value. But not enough to pay for itself.In fact, the home improvements that tend to generate the best ROI are some of the least exciting, like fiberglass insulation for the attic, a new steel front door, manufactured stone veneer, minor kitchen remodels, and garage door or siding replacements.Borrowers see the worst ROIs from such sexy projects as a bathroom addition, installing a backyard patio, major or minor bathroom remodels, and major kitchen remodels. While such renovations may not pay for themselves, they can increase your homes equity and value. If renovations make you happier, prouder and more comfortable in your homeand you can afford the expense and the hasslea renovation loan can be well worth the investment.Tips and Red FlagsHome improvements and the financial commitments that come with them are a massive investment of your money, time and sanity. Shop as carefully for your Renovation Loan as you did for your house.Shop around and talk to more than one lender, paying close attention to rates and terms, closing costs and fees.Beware of balloon payments, a large lump sum that is due before you can pay off your loan. You dont want to be surprised just when youre looking forward to being done with loan payments.Look beyond the interest rate. The lowest rate does not always indicate the least-expensive or best loan for you.For FHA 203(k) loans, be sure you understand the contractor disbursement schedule. They are designed to protect yourand your lendersassets and ensure you get the high-quality work you are paying for. Your FHA 203(k) consultant can help you understand the details.Check your rate variability. If rates go up on your variable-rate loan, it could raise your monthly payments and overall cost of your loan considerably. Ask if you have the option to convert the loan to a fixed rate down the road.Check your credit score before shopping or applying for a loan. It can be a good indicator of which type of renovation loan will best meet your financial needs as well as what your interest rate might be.Section 4Four Steps to SuccessThink youre ready to buy or refinance and renovate? The Mortgage Loan Originators at USA Mortgage recommend taking these first steps to ensure your Renovation Loan process is as smooth and rewarding as possible:Know your budget and get pre-qualified. Talk with a Mortgage Loan Originator to determine your total purchase price eligibilitytotal purchase price = sales price + renovation bid + 20-35% of the bid.Narrow your search. Look at homes that meet your requirements for lot size, location, and unit count. Bridge the market options and your home renovation goals with a bid from a contractor you trust.Prepare for underwriting. Once your offer and bid are finalized, allow time for your mortgage to be processed and underwritten. Dont make changes to the scope of work or your chosen contractors while your loan is under review.Close the loan, and start your renovations. With your and your lenders approval, your contractor may be eligible to receive some funds as early as loan closing to help get the project underway. You will receive a draw welcome letter once your renovation escrow account is ready for disbursing payments to your general and sub-contractors.Section 5Getting StartedCongratulations! Youve closed the loan, and renovations can now begin. During the contractor review process, a renovation expert will discuss the details with your contractor to make sure they understand the steps needed to complete your projects. The way your contractor is paid will be determined by the type of loan you get.Review your closing documents. Make sure any payments due at closing have been delivered.Apply for any required permits. Prior to closing, you should have signed a permit certification form. All progress draws on the loan are contingent on having the required permits in place and city inspections being completed.Contact your draw administrator. Within 10-25 days of closing, the draw administrator will send you a welcome email notifying you that the escrow account for the renovation funds is setup and ready for disbursement.Complete project. As work is completed, you and your contractor will request draw inspections and progress payments. Once the work is complete, any change order or contingency requests can be processed along with any principle reductions.Enjoy your newly renovated home!When you finance with USA Mortgage, you get an ally and a lender for life. Were with you for the long term. And our commitment doesnt end when your renovations are complete. Well reach out periodically to let you know of any changes in the market and alert you to additional opportunities to save money. And if you ever have questions about your loan, reach out. Were here to help any time you need it.LEGAL:DAS Acquisition Company, LLC is not affiliated with or endorsed by any government entity or agency, including USDA, HUD or VA. Interest rates and products are subject to change without notice and may or may not be available at the time of commitment or lock-in.
A Delicate Dance: Discussing Food and Comfort at the End of LifeFor referral partners transitioning patients to hospice care, a common source of tension arises: the practice of regular solid food feeding. Families, often driven by love and cultural norms, may struggle to accept that forced feeding can be detrimental to their loved ones comfort in the final stages of life. This article equips medical professionals with talking points to navigate these sensitive conversations, prioritizing the patients well-being while acknowledging familial concerns. The Bodys Changing Needs:The human bodys metabolic needs decrease significantly near death [1]. The digestive system weakens, making food absorption difficult and potentially uncomfortable. Studies have shown that artificial hydration and nutrition dont improve lifespan or patient outcomes [2]. In fact, they can increase the risk of aspiration pneumonia, a serious lung infection caused by inhaling fluids [3].Focus on Comfort, Not Calories:When discussing food with families, emphasize that the goal is comfort, not sustenance. Offer mouth swabs dipped in cool water or flavored ice chips to alleviate dryness. Small, soft food pieces the patient enjoys might be acceptable, but prioritize their wishes. Research by Kelley et al. (2017) suggests focusing on the sensory experience of food, allowing patients to savor familiar tastes without the burden of a full meal [4].Addressing Emotional Concerns:Families often equate food with love and nurturing. Acknowledge these emotions and explain how forcing food can create a negative association. Highlight the importance of spending quality time, holding hands, and offering emotional support [5].Clear Communication is Key:Open communication is paramount. Use clear, concise language, avoiding medical jargon, and answer questions honestly (Gabb et al., 2019) [6]. Explain the physiological changes and potential complications of forced feeding. Shared Decision-Making:Empower families to participate in decision-making. Present the evidence, but respect their cultural and religious beliefs. Guide them towards prioritizing their loved ones comfort while offering emotional support throughout the process [7].Collaboration with the Hospice Team:Hospice nurses and social workers are experts in navigating these discussions. The hospice team will work collaboratively to develop a care plan that aligns with the patients needs and the familys wishes [8].Conversations about food at the end-of-life can be emotionally charged. Equipping medical professionals with clear communication strategies can guide families toward prioritizing patient comfort while respecting their wishes. By focusing on the bodys changing needs and prioritizing comfort over forced feeding, healthcare teams can ensure a peaceful transition for patients and their loved ones during this sensitive time.References: Wright, B. M., & Sinclair, S. (2000). Palliative care for the dying patient. The Lancet, 356(9242), 1658-1661. Sinuff, T. M., & Schenker, Y. (2005). Palliative care: The evidence base for opioid therapy, artificial nutrition and hydration, and other interventions. The Journal of Pain, 6(2), 113-125. Marik, P., & Rivera, D. (2013). Does artificial hydration prolong life in the critically Ill? A systematic review of the literature. Chest Journal, 144(1), 336-345. Kelley, L. M., Mitchell, G. D., & Carlson, L. E. (2017). Oral care and feeding practices at the end of life in long-term care settings: A review of the literature. Journal of Gerontological Nursing, 43(1), 32-40. Ferrell, B. R., Coyle, N., & Paice, J. A. (2010). The Ferrell model of physical symptoms management. Journal of Palliative Care, 26(2), 115-123. Gabb, J. M., Morrison, R. S., & Clayton, J. M. (2019). Communication with families about artificial nutrition and hydration at the end of life. Current Opinion in Supportive and Palliative Care, 13(2), 118-123. Wright, K. J., & Eluchard, J. M. (2015). Shared decision-making at the end of life: A review of the role of communication. Nursing Ethics, 22(4), 444-459. Zimmermann, C. K., Knauf, H., Greer, T. L., & LeClerc, C. M. (2007). The role of hospice and palliative
Hello, I'm Chad Choate a dedicated financial advisor in Bradenton, FL, I began my career with Edward Jones in 2017. As a financial advisor, I want to find out what's important to you and help you build personalized strategies to achieve your goals. As a lifelong Manatee County resident, I graduated from the University of South Florida and was a teacher in Manatee County before joining Edward Jones. My driving force is to change people's lives in a positive way, and what better place than my home to do that. Whether you're planning for retirement, saving for college for children or grandchildren or just trying to protect the financial future of the ones you care for the most, we can work together to develop specific strategies to help you achieve your goals. We will also monitor your progress to help make sure you stay on track or determine if any adjustments need to be made. Throughout it all, we're dedicated to providing you with top-notch client service. But we're not alone. Thousands of people and advanced technology support from our office can help ensure you receive the most current and comprehensive guidance. In addition, we welcome the opportunity to work with your attorney, accountant and other trusted professionals to deliver a comprehensive strategy that leverages everyone's expertise. Working together, we can help you develop a complete, tailored strategy to help you achieve your financial goals. I currently volunteer with the Manatee Hurricane football Broadcast and Booster Club, serve on my church's trustees council and have previously served as a leader in Young Life. I am a member of the Manatee Chamber of Commerce and an alumnus of their Leadership Manatee program. I have been married to my childhood sweetheart, Ashley, for 15 years and we have a son, Wesley, and daughter, Camryn. We enjoy watching our children play their sports and traveling as a family.
Hello, I'm Chad Choate a dedicated financial advisor in Bradenton, FL, I began my career with Edward Jones in 2017. As a financial advisor, I want to find out what's important to you and help you build personalized strategies to achieve your goals. As a lifelong Manatee County resident, I graduated from the University of South Florida and was a teacher in Manatee County before joining Edward Jones. My driving force is to change people's lives in a positive way, and what better place than my home to do that. Whether you're planning for retirement, saving for college for children or grandchildren or just trying to protect the financial future of the ones you care for the most, we can work together to develop specific strategies to help you achieve your goals. We will also monitor your progress to help make sure you stay on track or determine if any adjustments need to be made. Throughout it all, we're dedicated to providing you with top-notch client service. But we're not alone. Thousands of people and advanced technology support from our office can help ensure you receive the most current and comprehensive guidance. In addition, we welcome the opportunity to work with your attorney, accountant and other trusted professionals to deliver a comprehensive strategy that leverages everyone's expertise. Working together, we can help you develop a complete, tailored strategy to help you achieve your financial goals. I currently volunteer with the Manatee Hurricane football Broadcast and Booster Club, serve on my church's trustees council and have previously served as a leader in Young Life. I am a member of the Manatee Chamber of Commerce and an alumnus of their Leadership Manatee program. I have been married to my childhood sweetheart, Ashley, for 15 years and we have a son, Wesley, and daughter, Camryn. We enjoy watching our children play their sports and traveling as a family.
Hello, I'm Chad Choate a dedicated financial advisor in Bradenton, FL, I began my career with Edward Jones in 2017. As a financial advisor, I want to find out what's important to you and help you build personalized strategies to achieve your goals. As a lifelong Manatee County resident, I graduated from the University of South Florida and was a teacher in Manatee County before joining Edward Jones. My driving force is to change people's lives in a positive way, and what better place than my home to do that. Whether you're planning for retirement, saving for college for children or grandchildren or just trying to protect the financial future of the ones you care for the most, we can work together to develop specific strategies to help you achieve your goals. We will also monitor your progress to help make sure you stay on track or determine if any adjustments need to be made. Throughout it all, we're dedicated to providing you with top-notch client service. But we're not alone. Thousands of people and advanced technology support from our office can help ensure you receive the most current and comprehensive guidance. In addition, we welcome the opportunity to work with your attorney, accountant and other trusted professionals to deliver a comprehensive strategy that leverages everyone's expertise. Working together, we can help you develop a complete, tailored strategy to help you achieve your financial goals. I currently volunteer with the Manatee Hurricane football Broadcast and Booster Club, serve on my church's trustees council and have previously served as a leader in Young Life. I am a member of the Manatee Chamber of Commerce and an alumnus of their Leadership Manatee program. I have been married to my childhood sweetheart, Ashley, for 15 years and we have a son, Wesley, and daughter, Camryn. We enjoy watching our children play their sports and traveling as a family.