Are you turning 65 and wondering about Medicare? Would you like to understand Medicare Part A and B, as well as the difference between Medicare supplements and Advantage plans? What are your choices if you are working and have a group plan? Learn when you can enroll and where you can make some comparisons so you can select the right option for you. Presented via PowerPoint with take away handouts and reference guide. Class is generic and educational.

Early retirement can be an exciting time, but it can also bring a lot of questions like, "What do I do about health insurance before I am eligible for Medicare?" Learn what to consider before leaving your employer group coverage, discover different options available to fill the gap before you become eligible for Medicare and study the in's and out's of how to navigate MNSure, the Minnesota health insurance marketplace.

Retirement should be about freedom — not financial stress. Learn about the five 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, walk away with simple, actionable ideas to help protect your income and make your money last.

Does your family have 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? Various sources and forces may threaten its very existence like the nursing home and Medicaid (MA), estate taxes, family divorces, creditor and bankruptcy issues, taxes and operating expenses, unequal resources of owners, in-laws, and use and enjoyment equality. Gain real-life solutions and explore four paths to resolution that will solve 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. 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 you and your family. 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 ready to take the first step toward homeownership, but unsure of where to begin? Get equipped with the knowledge and tools to navigate the home-buying process confidently. Learn about various mortgage options and the financing process, discover essential budgeting strategies and explore down payment assistance programs. Leave with practical knowledge and a clear understanding of the steps needed to successfully achieve your homeownership goals.

The biggest fear for most baby boomers is how to pay for the nursing home and still leave something for the next generation. With ever changing estate planning laws and great increases in nursing home costs, the fear is real. Understand your options. Is long term care insurance for you? What about home care? Should I gift my money away? Would I qualify for Medicaid? Does my current trust avoid the nursing home? What is the 60 month claw back? What if my spouse goes into the nursing home and exhausts our money? Discuss these questions and many more, including how to plan and place your assets to meet your nursing home goals.

Aging often involves transitioning to different housing. The process involves coordinating financial and physical health considerations and frequently downsizing a home. Explore alternatives to single-family living from buying and renting - subsidized and elderly waivers, market-rate apartments, 55+, CCRC, independent/assisted living age in place, memory care, cooperatives and condo/townhouses. Come with your questions to decide what will work best for you and what your next steps are.

Learn about land transfers and figure out if keeping the cabin in the family is workable. Explore how taxes will affect the land, ideas of who to contact during this process and ways to distribute the family cabin/land fairly with the family.

Walk through an actual Minnesota Probate Estate from the filing of the Application for Probate to the final accounts ... and all the steps in between. 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. Discuss the roles, responsibilities and liabilities of a person who is appointed as the executor/personal representative. Explore real-life examples and solutions to the multitude of issues involving a typical (or not typical) Minnesota Probate Estate. Learn the answers to: is there a “reading of the will”? What about personal items? Does the executor get paid? What about estate bills and creditors?

Funeral preplanning is a gift to your family because it removes the heavy emotional and financial burdens of arranging a funeral during a time of immense grief. Learn how funeral preplanning protects against inflation and rising costs, and ensures your final wishes are understood and respected. Understand the different burial options - including traditional and cremation - along with memorial services, and monuments and markers. Explore tax and veterans benefits, options for monthly payment plans and how to protect yourself against senior scams.

Gain an in-depth overview of retirement planning including financial education to help you build wealth, align your assets with your values and achieve your retirement lifestyle goals. Learn how to manage investment risks, use new tax laws to your advantage, make informed decisions about your company retirement plan and adjust your estate plan to function properly under the new laws. A 225-page illustrated book is included in fee. Spouse/partner may attend at no additional charge (and share the materials). Please include spouse/partner name when registering.

Break down some of the most common parts of retirement planning. Social Security, 401(k)s, IRAs, Roth IRAs, annuities, life insurance, long-term care … like putting a puzzle together, there are many pieces, but which ones fit together to create the picture you’re aiming for? With two hours of packed information and the ability to ask questions in real time, walk away with more confidence in your retirement strategy. For Baby Boomers and those with a desire to better understand retirement planning. Securities and Advisory Services offered through Harbour Investments, Inc Member SIPC.

Discuss lifestyle options for senior living. Should I stay and age in place - making home modifications to reduce safety risks or should I go - moving to a home option that may be handicap accessible and single level living?

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 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 have 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.

Most retirees plan taxes year by year, but lasting retirement success requires a long-term strategy. Learn practical lessons for reducing lifetime taxes, not just this year’s bill, including how Social Security and Medicare surcharges work, avoid costly mistakes, prepare for future tax law changes and more. Leave with clear strategies and a helpful take home workbook to guide your next moves with confidence.

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 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.

What good is retirement if you don’t have the health or financial confidence to enjoy it? Discover practical ways to answer one of retirement’s biggest questions: “How much can I safely spend while I’m healthy enough to enjoy it?” Discover specific health strategies (beyond the typical “diet and exercise” conversation) that can help preserve the energy, mobility and independence needed to fully enjoy retirement. Perfect for current retirees and those preparing for retirement.

Did you know with proper planning, both while they are alive and after they have passed, grandparents, parents and family can take care of a child, grandchild or family member with special needs in their estate plan? Such planning will not adversely affect the benefits and programs which the person with special needs has available to them! Discuss how to properly protect your assets and provide for the future benefit of the loved one with special needs. Whatever the type of the asset (tangible, income producing or other) there are options you should know. Discuss how the special needs trust fits into your estate planning, planning for the future of your loved one with special needs, and pros and cons of a special needs trust.

Compare trusts and wills and learn which is best for you. Learn what estate planning entails including property and how to avoid probate in case of disability or death. Understand the probate process and when it is and isn't necessary and why. Make informative estate planning decisions.

Discuss how taxes affect distribution strategies in retirement. Receive knowledge of planning strategies for preretirement, how social security is taxed, and engage in discussion on how to be taxed efficiently now and into the future with investments and utilizing tax brackets.

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. 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 Writing your Own Will class. Sorry, no discounts apply.

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. 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. Sorry, no discounts apply.