Retirement should be about freedom—not financial stress. In this class, we’ll break down the 5 biggest expenses most retirees face and share practical strategies to help reduce or better manage them. From housing and healthcare to transportation and unexpected costs, you’ll walk away with simple, actionable ideas to help protect your income and make your money last.

Harness the power of social media to grow your audience and boost your brand—one post at a time. This dynamic class dives deep into crafting scroll-stopping content tailored for each platform, from Instagram reels to Twitter threads. Learn how to write engaging captions, spark viral shares, and use storytelling to build authentic connections that keep followers coming back. You’ll also discover savvy strategies to turn likes and comments into real income by monetizing your social presence like a pro. Informative handouts for future use are included in class fee.

The concern: Your family has a cabin, homestead, hunting land, farm or second home. How do you protect this family legacy and move its use and enjoyment into the future? The problem: Various sources and forces threaten its very existence. The nursing home and Medicaid (MA), estate taxes, family divorces, creditor and bankruptcy issues, taxes and operating expenses, unequal resources of owners, the in-laws, and use and enjoyment equality. The answer: We will provide real-life solutions and explore four paths to resolution that will solve your problems without driving the family apart or sacrificing the family legacy asset.

Long-term care (LTC) planning is one of the most commonly overlooked parts of retirement. This workshop explains what long-term care is, who is most likely to need it, and why many people mistakenly assume Medicare or Medicaid will cover the cost. Participants will explore the emotional and financial risks of having no plan, learn about today’s long-term care options, and gain practical insight into why creating a personalized LTC plan matters for themselves and their families. Securities offered through Parkland Securities, LLC, member FINRA/SIPC. Fee-based investment advisory services offered through Sigma Planning Corporation, a registered investment advisor. Business and Family Advisors, LLC is independent of Parkland Securities, LLC and SPC.

The biggest fear for most Baby Boomers is how to pay for the nursing home and still leave an inheritance for the next generation. We will walk through the following questions and more: How will I meet my nursing home goals? Are long term care insurance and/or home healthcare for me? Should I gift my money away? Would I qualify for Medicaid? Does my current trust protect my assets and avoid the nursing home? What is the 60-month claw back? What if my spouse goes into the nursing home and exhausts our money? Get the answers to these and other questions and learn how to create an effective plan to deal with these uncertainties.

Did you know that women face unique challenges when it comes to maximizing their Social Security benefits? This class will help you understand key Social Security provisions like: How to qualify for spousal and survivor benefits off your husband's record Increasing your payments by delaying claims as long as possible Managing the earned income limits if you continue working Collecting on your ex-spouse's record after divorce Minimizing taxes on your Social Security income in retirement Securities offered through Parkland Securities, LLC, member FINRA/SIPC. Fee-based investment advisory services offered through Sigma Planning Corporation, a registered investment advisor. Business and Family Advisors, LLC is independent of Parkland Securities, LLC and SPC.

In this class, we will do an in-depth walkthrough of an actual Minnesota Probate Estate from the filing of the application for probate to the final accounts - and all the steps in between. Class participants will learn the entire process with current forms, court and filing requirements, accounting and procedural steps, as well as the procedures for the sale and distribution of estate assets. We will also discuss the roles, responsibilities, and liabilities of a person who is appointed as the executor/personal representative. The class will be filled with real-life examples and solutions to the multitude of issues involving a typical (or not typical) Minnesota probate estate. This class encourages questions: Is there a “reading of the will”? What about personal items? Does the executor get paid? What about estate bills and creditors? We will provide the answers!

Are you and your spouse nearing retirement age? Learn how to get the most out of your Social Security benefits as a couple. Are you widowed or single? This class can help answer questions for you too! Topics include: - How marriage impacts Social Security- Deciding when to claim- Coordinating with other income sources- Taxes and Social Security- Working while receiving benefits- Techniques that higher-earning couples can utilize This class is essential for married couples, single and widows wanting to ensure they receive their full share of the Social Security benefits they've earned. Securities offered through Parkland Securities, LLC, member FINRA/SIPC. Fee-based investment advisory services offered through Sigma Planning Corporation, a registered investment advisor. Business and Family Advisors, LLC is independent of Parkland Securities, LLC and SPC.

Procrastinate no more! No matter what your age, give your loved ones an important gift by creating two legal documents - a Health Care Directive and a Power of Attorney. These documents are vitally important in the event you become incapacitated and cannot make decisions for yourself. A Health Care Directive (akin to the old "Living Will") is a legal document that communicates your health care wishes and allows you to name someone to make health care decisions for you when you cannot speak for yourself. A Power of Attorney allows you to choose someone to handle your finances and property and is effective immediately upon signing. In this class, you will prepare both of these documents so you won't end up without these important legal plans in place. Leave class with two notarized documents and give yourself and your loved ones peace of mind.

Unlock the secrets to earning money around the clock. This dynamic class teaches you practical strategies and step-by-step tools to develop, launch, and automate income-generating products that keep working for you with minimal ongoing effort. You’ll learn how to identify profitable opportunities (50 ideas included!), build irresistible offerings, master automated sales and marketing systems, and scale your income streams—all while protecting your work and overcoming common hurdles. Get ready to transform your ideas into a powerful, passive income machine that works day and night. Informative handouts for future use are included in class fee.

Learn project management hints that will help make you more valuable, establishing a better relationship within a team as a project lead and improving your organization. Customized to meet your specific needs, an experience project management professional will provide tools to plan, implement and manage any type of project. This is a two-part online class with additional support provided to meet your needs.

Estate planning doesn’t have to feel intimidating or impersonal. In this practical class, you’ll learn how generational planning helps individuals share more than money — your wishes, stories, and values — so the next generation has clarity and direction. You’ll see what happens when a legacy isn’t planned, how to plan for sudden incapacity, and how to successfully transfer both tangible and intangible wealth. You’ll leave with a simple six-step process and a clear next step you can take immediately. You don’t need to be wealthy to benefit; you need to be clear. Whether you’re 45 or 75, this framework helps you align paperwork, people, and purpose. Securities offered through Parkland Securities, LLC, member FINRA/SIPC. Fee-based investment advisory services offered through Sigma Planning Corporation, a registered investment advisor. Business and Family Advisors, LLC is independent of Parkland Securities, LLC and SPC.

In retirement, your tax rate may vary widely over the years based on the timing and order in which you use different sources of money to pay for your living expenses. You want to apply the tax code in an organized and efficient way. Learn about the following: The critical tax question you must answer BEFORE retirement What the Social Security “tax trap” is and how you can avoid it Why tapping assets in the wrong order can trigger higher Medicare premiums The four stages of retirement and important tax actions in each stage Mistakes to avoid when it comes to your investment portfolio, health care, and estate Securities offered through Parkland Securities, LLC, member FINRA/SIPC. Fee-based investment advisory services offered through Sigma Planning Corporation, a registered investment advisor. Business and Family Advisors, LLC is independent of Parkland Securities, LLC and SPC

In each Minnesotan’s life, there are ten people we should be prepared to count on as we age and move into the last stages of our lives. In this class we will learn the answers to: What are the roles and responsibilities of these people? How long do they serve and how much of a time commitment are we asking? How much guidance can we give them? Who makes an ideal selection for each of these vastly different roles? Who makes a bad selection for these roles? What pitfalls and problems should we be aware of? These jobs include: Attorney-In-Fact, Health Care Agent, Estate Executor, Trustee, Guardian and more. All are vastly different jobs that benefit you and they deserve careful thought. This class encourages questions. We will provide the answers.

Join us to explore the ins and outs of Medicare! Participants are encouraged to engage with the presenters/licensed health agents. We will discuss its history, the differences between Medicare vs Medicaid, eligibility, the different parts, how doctors and hospitals work with Medicare, what a Medicare supplement and part D plan are, how it works if you retire early and many rules associated with choosing a Medicare plan that’s right for you! Securities offered through Parkland Securities, LLC, member FINRA/SIPC. Fee-based investment advisory services offered through Sigma Planning Corporation, a registered investment advisor. Business and Family Advisors, LLC is independent of Parkland Securities, LLC and SPC.

The trust is a very popular component and tool to be used in estate planning. However, there is a variety of vastly different trust options to be used and the question arises: “Am I using the right trust for my needs and goals?” Often used trusts include: living trusts, testamentary trusts and irrevocable trusts; each serves a different purpose, each has a different result. One common problem that often needs addressing is the over-utilization of the living trust for goals or problems that it does not resolve. For example, “Does my living trust protect my assets against Medicaid and the nursing home?” The answer is probably not. The irrevocable trust and the testamentary trust each have their strengths and weaknesses as well. We will clearly define the strengths and weaknesses of these different types of trusts and when to use them. Explore your goals and wishes to see where they fall in the realm of trusts. Class encourages questions and we hope to provide answers that will set your mind at ease or assist you in the decision making in this area.

Step into the magical world of children’s and young adult literature—and learn how to captivate young readers like a pro! This dynamic class dives deep into the hottest market trends, age-smart storytelling techniques, and unforgettable character creation that speaks directly to kids and teens. You’ll also get insider tips on crafting submissions that grab the attention of kid-lit magazines and publishers. Whether you’re dreaming of picture books or YA novels, this is your launchpad to creating stories that kids won’t put down. Informative handouts for future use are included in class fee.