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! This class is essential for married couples wanting to ensure they receive their full share of the Social Security benefits they've earned. 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 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? 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

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