At Black Hills Financial Planning, we believe financial planning should be about education, clarity, and building a strategy that works for your life—not about pushing products.

2026 Financial Literacy Workshop Series

Class 1: Small Business Owner Financial Strategies 

Location: Rapid City Public Library

Date: February 16, 2026

Time: 1-2 p.m. MST 

Cost: FREE

Title: Small Business Owner Financial Strategies: Tax Shelters, Asset Protection & Exit Planning

Description: Take your business to the next level by mastering the financial strategies that separate struggling entrepreneurs from thriving ones. Learn how to leverage tax shelters to keep more of what you earn, understand business financial fundamentals, and get inspired to develop a strategic exit plan. Discover how a revocable living trust can protect your hard-earned assets and ensure your business legacy continues as you wish.

Class 2: Financial Foundations for Young Adults 

Location: Rapid City Public Library

Date: May 21, 2026

Time: 1-2 p.m. MST 

Cost: FREE

Title: Financial Foundations for Young Adults: Start Strong, Finish Wealthy

Description: The financial decisions you make in your 20s and 30s set the trajectory for your entire life. This workshop covers the essentials: budgeting without deprivation, understanding credit, student loan strategies, investing basics, and how compound interest can make you wealthy over time. Whether you’re just starting out or trying to course-correct, you’ll leave with a clear roadmap and actionable next steps.

Class 3: Maximizing Social Security Benefits

Location: Rapid City Public Library

Date: September 17, 2026

Time: 5-6 p.m. MST 

Cost: FREE

Title: Maximizing Social Security Benefits: Strategic Claiming for Maximum Income

Description: Your Social Security claiming decision is one of the most important financial choices you’ll make, yet most people leave tens of thousands of dollars on the table. Learn how your claiming age dramatically impacts lifetime benefits, strategies for married couples to maximize household income, how work and other income affect benefits, and survivor benefit optimization. Make an informed decision that could add $100,000+ to your retirement income.

Class 4: Eliminating Debt for Financial Freedom

Location: Rapid City Public Library

Date: November19, 2026

Time: 5-6 p.m. MST 

Cost: FREE

Title: Eliminating Debt for Financial Freedom: Break Free & Build Wealth

Description: Debt doesn’t have to be a life sentence. This workshop reveals proven strategies to eliminate debt systematically and redirect those payments toward building lasting wealth. Learn the psychology behind debt cycles, compare debt elimination methods, and discover how becoming debt-free accelerates every other financial goal—from retirement savings to legacy building.

Instructor Bio:

Mandy Froelich, Financial Planner

Mandy Froelich is a financial planner with Black Hills Financial Planning based in Sturgis, SD. With 6 years of experience and a background in business and accounting, she is licensed in South Dakota, Colorado, Wyoming, and Oregon. Mandy is passionate about democratizing financial education and making wealth-building strategies accessible to everyone in the Black Hills community, not just those who can afford private planning services.

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