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.

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.

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.