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Now that the calendar has flipped, it’s
time for some New Year’s resolutions. You could decide you’re going to exercise
more, lose weight, learn a new skill, reconnect with old friends — the
possibilities are almost limitless. This year, why not add a few financial resolutions
to your list?
Here
are a few to consider:
•
Reduce your debts. It may be easier said than done, but if you can cut
down on your debt load, you’ll increase your cash flow and have more money
available to invest for your future. So, look for ways to lower your expenses
and spending. You might find it helpful to use one of the budgeting apps
available online.
•
Boost your retirement savings. Try to put in as much as you can afford
to your IRA and your 401(k) or other employer-sponsored retirement plan. If
your salary goes up this year, you’ve got a good opportunity to increase your
contributions to these retirement accounts. And once you turn 50, you can make pre-tax
catch-up contributions for your 401(k) and traditional IRA. You might also want
to review the investment mix within your 401(k) or similar plan to determine whether
it’s still providing the growth potential you need, given your risk tolerance
and time horizon.
•
Build an emergency fund. It’s generally a good idea to maintain an
emergency fund containing up to six months’ worth of living expenses, with the
money kept in a liquid, low-risk account. Without such a fund, you might be
forced to dip into your long-term investments to pay for short-term needs, such
as an expensive auto or home repair.
•
Keep funding your non-retirement goals. Your traditional IRA and 401(k)
are good ways to save for retirement — but you likely have other goals, too,
and you’ll need to save and invest for them. So, for example, if you want your
children to go to college or receive some other type of post-secondary
training, you might want to invest in a tax-advantaged 529 education savings
plan. And if you have short-term goals, such as saving for a wedding or taking
an overseas vacation, you might want to put some money away in a liquid account. For a short-term
goal, you don’t necessarily need to invest aggressively for growth — you just
want the money to be there for you when you need it.
•
Review your estate plans. If you haven’t already created your estate
plans, you may want to do so in 2025. Of course, if you’re relatively young,
you might not think you need to have estate plans in place just yet, but life
is unpredictable, and the future is not ours to see. If you have already drawn
up estate plans, you may want to review them, especially if you’ve recently
experienced changes in your life and family situation, such as marriage,
remarriage or the addition of a new child. Because estate planning can be
complex, you’ll want to work with a qualified legal professional.
You
may not be able to tackle all these resolutions in 2025. But by addressing as
many of them as you can, you may find that, by the end of the year, you have
made progress toward your goals and set yourself on a positive course for all
the years to come.
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.
The wildfires currently ravaging Southern California, and their tragic consequences, are reminders of just how exposed we are to natural disasters. If youve been affected by these fires, what steps should you take to begin the recovery process?Once you and your loved ones are in a safe place, consider these suggestions: Contact your insurance company. Call your homeowner's insurance company as soon as you can. You may need to be patient, though, as the company could be swamped with claims. You may also eventually need to contact a legal professional regarding your insurance coverage or your legal rights related to the disaster. Review your financial options. If you have already established an emergency fund containing several months worth of living expenses, you may need to tap into it now. You also may need to access the cash components of your investment portfolio. Seek help from disaster relief organizations. If your home was destroyed or severely damaged, contact the Red Cross or another relief group for help with temporary housing, food, clothing and other necessities. Contact your employer. If you are temporarily rendered homeless, it may well affect your ability to work. Contact your employer to explain the situation, though they will likely be quite familiar with what happened. Depending on where you work, you might even have access to some type of employee assistance program. Photograph and document the damage. If its possible, and when its safe to do so, take pictures of the damage to your home and belongings, and create an inventory of lost or damaged items. You might also have existing photos that can be of use to your insurance company. Go through your documents. Your paper documents bank statements, insurance policies, investment account information may have been destroyed in a fire or other disaster, but you may still have electronic copies on your computer, and they are likely also available online. Go through these documents to determine what you have and what you may be entitled to. Look for temporary relief measures. In the wake of a hugely destructive fire or other disaster, you may be entitled to temporary relief measures, such as mortgage forbearance, loan deferments or government assistance programs. If you live in a Presidentially Declared Disaster area, you might be eligible for disaster relief from the Federal Emergency Management Agency (FEMA). Visit their website at fema.gov. Evaluate your longer-term financial strategies. Once you have gotten past the short-term emergency period, you may need to review your entire financial picture and long-term strategies. This may involve reallocating your investment dollars, revising your budget or setting new financial goals. If you work with a financial professional, they can help you in this area.Surviving a wildfire may be one of the most emotionally devastating experiences you will ever encounter. But you dont have to go through it alone a team of professionals, including a financial professional, can provide the resources and experience to help get you back on the path toward rebuilding your life. 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.
1. Create an Informative and Transparent Website The foundation of building trust online starts with your website. Families will look for clear, honest information about your services, team, and approach to care. Your website should serve as a hub of transparency, where visitors can easily access information about your offerings, certifications, and values. Tip: Include details such as your companys mission, staff qualifications, and the services you offer. Also, ensure that your website is easy to navigate, mobile-friendly, and free from clutter. 2. Showcase Testimonials and Reviews from Families Nothing builds trust faster than genuine, positive feedback from satisfied families. Testimonials and reviews act as social proof, providing real-world evidence of your service quality. When potential clients see that others have had positive experiences with your home health service, they are more likely to feel comfortable choosing you for their loved ones. Tip: Ask your current clients for testimonials after a successful caregiving experience and highlight these reviews prominently on your website and social media. Videos of satisfied families speaking about their experience can be particularly effective. 3. Be Active on Social Media and Share Helpful Content Social media platforms are a fantastic way to build trust and credibility online by showing your expertise and engaging with families. Sharing informative posts, caregiving tips, and personal stories helps humanize your business and fosters a sense of connection. Social media also gives potential clients the opportunity to interact directly with you, which can further build their trust in your service. Tip: Post regularly on Facebook, Instagram, and LinkedIn, and consider creating short videos or live Q&A sessions to answer frequent questions about home health services. You can also share articles or blogs that educate families on senior care. 4. Highlight Industry Certifications and Partnerships Certifications, accreditations, and partnerships with trusted organizations help demonstrate that your home health service meets high industry standards. When families see that your business is certified by reputable bodies, it reassures them that your services are reliable, professional, and trustworthy. Tip: Display logos of the certifications or associations you are affiliated with on your website and marketing materials. This can include certifications like the Joint Commission, the National Association for Home Care & Hospice, or any other relevant organization. 5. Offer Free Resources and Educational Content Another way to build trust and credibility online is by offering free resources and educational content. Families will appreciate having access to helpful information about senior care, health tips, and caregiving best practices. This positions your business as an authority in the field and builds long-term relationships with potential clients. Tip: Consider writing blog posts, creating downloadable guides, or offering webinars on topics that are valuable to families. For example, you could offer a guide on how to choose the right caregiver or how to manage dementia care at home. 6. Provide Clear and Transparent Pricing Information When families are searching for home health services, they want to know what they are getting into financially. Offering transparent pricing helps build trust by eliminating uncertainty. Providing a clear breakdown of your pricing structure or offering free consultations can go a long way to making potential clients feel comfortable moving forward. Tip: If your pricing model is complex, consider offering packages or explaining what each service includes, so families know exactly what to expect. Make sure your pricing is easy to find on your website. 7. Engage in Community Outreach and Local Partnerships Being active in your local community can significantly enhance your credibility online. Engaging in local partnerships with hospitals, senior centers, or health care providers demonstrates that you are a trusted part of the community and that families can rely on you for quality care. These partnerships often result in referrals, which can drive more business your way. Tip: Partner with local organizations for events, health fairs, or workshops that provide value to families. Highlight these partnerships on your website and social media to reinforce your commitment to the community. 8. Respond Promptly to Inquiries and Comments Trust is built through communication. When families reach out to you with questions or concerns, responding promptly and professionally can set you apart from competitors. Being attentive and providing thoughtful answers shows that you value their time and their loved ones care, which can go a long way in gaining their trust. Best Practice: Set up an automated system to acknowledge inquiries and ensure that they are followed up on within 24 hours. This can help prevent leads from falling through the cracks and shows that your business is responsive and reliable. Additional Tips:Do not Overpromise: Be realistic about what your services can provide. Overpromising and underdelivering can damage your reputation. Use Professional Photos and Branding: High-quality photos of your team and services give off a professional vibe and can make families feel more confident in choosing your business. Stay Consistent: Whether it is your website, social media, or customer service, consistency in messaging and quality is key to building trust. Building trust and credibility online is crucial for positioning your home health service as a top choice for families. By following these stepscreating a transparent website, highlighting testimonials, offering educational content, and moreyou can establish a solid online presence that attracts families seeking trusted care options for their loved ones. Ready to gain more visibility and build trust with families looking for home health services? Join Seniors Blue Book today to add your listing and increase your credibility with our trusted platform. Start building your online reputation now and reach the families who need your services the most.
Senior care providers often struggle to stand out online. Being shared on reputable websites offers a simple and cost-effective way to connect with families and caregivers. Here is how to use them to boost your senior care online visibility. Step 1: Choose the Right Platforms Focus on senior care-specific platforms like Seniors Blue Book. These platforms attract your ideal audience and provide tools to highlight your services effectively. Step 2: Optimize Your Profile Use keywords like "senior care online visibility" in your description. Add high-quality images, detailed services, and updated contact info to make your profile stand out. Step 3: Showcase Reviews Encourage satisfied clients to leave testimonials. Positive reviews build trust and increase credibility. Step 4: Keep Your Listing Updated Regularly refresh your profile with new services, promotions, or achievements to stay relevant and engaging. Create a free listing on Seniors Blue Book today and connect with families searching for trusted senior care providers. Step 5: Promote Your Listing Share your listing link on social media, email signatures, and other marketing channels to reach more people. Listing Management is an easy and effective way to boost your online visibility and connect with potential clients. By optimizing and promoting your profile, you will stand out in a competitive market. Start your free listing on Seniors Blue Book now and make your services visible to families in need.
Experience and BackgroundI am a financial advisor in Bradenton, FL, and 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 our office so that we 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.