About Heather Chacon and Community Choice

Proudly serving Kearney and communities across Nebraska with guidance built on clarity, consistency, and real local connection.

When you're planning for retirement income, it's important to know exactly who you're working with and how they'll help you move forward. Many people in Kearney and across Nebraska want a straightforward relationship-not a large firm where they feel passed between people or left with unanswered questions. Community Choice was built around a more direct approach, where you work one-on-one with Heather Chacon to build income strategies using insurance-based solutions. With a downtown "on the Bricks" location and flexible appointment options, you always know where to go, who to call, and what to expect.

Built on Local Guidance & Trust

Built Around Clear, Local Retirement Guidance

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Clarity, stability, and confidence-first guidance

Our mission is to make retirement income decisions feel clear, steady, and manageable-so you can move forward with confidence.

Guiding You Through Every Step

What You Can Expect From Working Together

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Clarity First

You shouldn't have to decode complicated financial language to understand your plan. Every recommendation is explained in plain terms so you can make decisions with confidence.

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Independent Approach

Being independent means you're not limited to one company's products. You have access to multiple options, making it easier to find strategies that align with your goals.

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Direct, One-on-One Support

Working directly with Heather means you always know who to reach out to. Your questions don't get passed around-you get consistent, reliable answers from someone who understands your situation.

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Flexible Appointments

Life doesn't always fit into a rigid schedule. Meetings are available in person, by phone, or by video-so getting guidance is simple and convenient.

Leadership That Cares About Clients

A Company Built on Hard Work & Integrity

With expertise in Medicare, life insurance, annuities, long-term care, and group health insurance, Brian and the team bring a no-nonsense, client-first approach to everything they do. Here, you’re not just a policy number—you’re part of a community we’re proud to serve.

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Heather Chacón

Heather Chacón is a dedicated independent insurance agent, a loving mother, and a proud grandmother. Since 2016, Heather has been passionately assisting families in protecting their financial security through a range of insurance products. With her extensive expertise, Heather is committed to providing personalized solutions tailored to meet the unique needs of each client.


Her unwavering dedication to her profession has led her to obtain licenses in seven states, and she continues to expand her reach to help even more families. Heather's genuine care, combined with her knowledge and experience, makes her a trusted advisor in the insurance industry, ensuring that families have the coverage they need to safeguard their financial well-being.


Licenced in Nebraska, Colorado, Iowa, Kansas, Maryland, Ohio, South Carolina, and South Dakota

Nebraska License No. 7632797

Local roots. Statewide guidance.

Rooted in the Kearney Community

Community Choice is based in downtown Kearney, located "on the Bricks," making it easy for local clients to meet in a familiar, central location. Clients from Omaha, Lincoln, Grand Island, Hastings, and Scottsbluff also work with Heather through a mix of in-person and remote appointments, depending on what fits their schedule best. This combination of local presence and flexible access allows people across Nebraska to get clear retirement income guidance without unnecessary travel or confusion.

Take the First Step Today

Get Answers From Someone Who Knows Your Situation

When you're ready to stop second-guessing your retirement income decisions, having a clear conversation can make all the difference. You'll work directly with Heather Chacon to understand your options and build a plan that fits your life-not a template.