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.

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

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.

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.

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.

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.