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

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

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