More college applicants are submitting test scores again just as the ACT and SAT undergo major changes. What do these updates mean for your student, and how should testing fit into their college plans? In this session, you’ll learn what’s new, how it may impact admissions, and strategies to help your student stand out while maximizing scholarships and financial aid. Designed for parents of high school students in grades 9–11, this is essential information you won’t want to miss.

We will review the process of buying a home from A-Z and discuss unique funding that is only available to YOU- a first-time buyer. With one program, it is possible to buy a home for as little as $1000 of your own funds. You are generally a first-time buyer if you have not owned a home in the past 3 years.

This workshop explores the real risks of not having a long-term care (LTC) plan—and why so many people overlook it. You’ll uncover common myths about Medicare and Medicaid, who is most likely to need care, and why LTC is more than nursing homes. We’ll review today’s long-term care options, lessons from past insurance models, recent regulatory improvements, and flexible strategies to build a plan that fits your needs—so you can protect both your finances and your independence.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

Buying your first home doesn’t have to be overwhelming! This fun, interactive class breaks down the homebuying process in a clear, pressure-free way. You’ll learn how to prepare financially, improve your credit, and explore mortgage and down payment assistance programs. We’ll cover budgeting, touring homes, making strong offers, and navigating the steps from offer to closing. Whether you're ready to buy soon or just starting to explore, you’ll leave with the knowledge and confidence to move forward. Questions are encouraged—come ready to learn!

Tired of working for someone else? Do you need to make more money? Turn your talents and hobbies into profits by starting a home business. Taught by a Chamber of Commerce Past President and award winning business owner, this is probably the most comprehensive business startup workshop you will ever find. You will discover: more than 250 legitimate home business ideas, mandatory legal documentation, and many ways to market your product/service and how to take tax deductions (this workshop included!)

Ever considered becoming a landlord or investing in real estate but needed more information? Learn about opportunities in today's Twin Cities marketplace, how to analyze a property, tax considerations, and details to put in a lease. Becoming a landlord is work but can be very rewarding. We review all aspects of becoming a landlord from buying, selling and renting. A link to the book- "Reality-Based Real Estate Investing" will be provided- as well as a copy of "Reduce Your Risk in Real Estate" - $45 value.

Aging often involves transitioning to different housing. The process involves coordinating financial and physical health considerations and frequently downsizing a home. We review these aspects so you can plan. Housing options discussed: buying & renting, subsidized and elderly waivers, market-rate apartments, 55+, CCRC, independent/assisted living age in place, memory care, cooperatives and condo/townhouses. Explore alternatives to just single-family living. Come with your questions to explore what will work best for you!

Have you ever listened to commercial, animation, or audiobook and thought ”I wonder if I could do that?” Voice acting can be a flexible way to earn from home. This introductory class answers questions about getting started, competition, and equipment. In a 90- minute, one-on-one session, you’ll meet a professional voice actor via live video chat and learn industry trends and home setups. You’ll explore voiceover styles, read a script, and receive coaching and feedback. Upon registration you will be contacted by VFA to schedule class.

Are you and your spouse nearing retirement age? Learn how to get the most out of your Social Security benefits as a couple. Topics include: how marriage impacts Social Security, deciding when to claim, coordinating with other income sources, taxes and social security, working while receiving benefits and techniques higher-earning couples can utilize. This class is essential for married couples 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

Navigating the world of Medicare can be both overwhelming and confusing. This class will help explain the basics of Medicare, what Medicare does (and doesn't) cover, options for additional coverage, enrollment periods, when and how to sign up, and how to avoid penalties and common mistakes. This event is for educational purposes only and no plan-specific benefits or details will be shared. For accommodations of persons with special needs at meetings call 1-800-MEDICARE (1-800-633-4227), TTY users call 1-877-486-2048.

In retirement, your tax rate may vary widely over the years based on the timing and order. 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 and why tapping assets in the wrong order can trigger higher Medicare premiums. 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

Everyone should have a health care directive and a power of attorney whether you are 18 or 80. Without these important documents, it can be difficult for your loved ones to get health care information, make health care decisions on your behalf or handle your financial affairs if you should become incapacitated. Gain valuable information and tools to organize your affairs. Receive instructions and professionally prepared forms, and have access to witnesses and a notary public. Must bring your driver’s license for identification. This class is a great supplement to the Write Your Own Will class.

Having a will is important for married couples, singles and divorced people. If you are without a will, the laws of Minnesota and a judge will make all the decisions regarding your estate. Don't let this happen. Learn about estates and wills, and prepare a legal will in class. Receive instructions and a professionally prepared form, have access to witnesses and a notary public. Prior to class, review the information forwarded to you. The will form is designed for individual use; couples cannot share this form (each person must register individually). Appropriate for people who have an estate of less than $2,000,000, including life insurance, and do not own a business. Must bring your driver's license for identification. This class is a great supplement to the Write your Own Power of Attorney and Healthcare Directive.