BEGIN:VCALENDAR
VERSION:2.0
X-WR-CALNAME:Lakeville Area Schools - All Courses
CALSCALE:GREGORIAN
PRODID:iCalendar-Ruby
BEGIN:VEVENT
DESCRIPTION:Curious about which trust is right for your estate planning? In
  this class\, we’ll explore Living\, Testamentary\, and Irrevocable Trusts\
 , their strengths\, weaknesses\, and how to choose the best option for your
  goals. We’ll tackle common misconceptions\, like whether a Living Trust pr
 otects assets from Medicaid\, and answer your questions. Join us to gain cl
 arity and make informed decisions about your estate planning needs.
DTEND:20261029T020000Z
DTSTAMP:20261005T210749Z
DTSTART:20261028T223000Z
LOCATION:Community Learning Center
SEQUENCE:0
SUMMARY:Trusts and Long-Term Estate Planning: Why You Can’t Always Trust Yo
 ur Trust (671-068)
UID:2026-10-05T21:07:49+00:00_139111702@ip-10-0-151-174.us-east-2.compute.i
 nternal
URL:https://isd194.arux.app/course/8130/enrichment-fall-winter-2026-2027/tr
 usts-and-long-term-estate-planning-why-you-can-t-always-trust-your-trust#67
 1-068
END:VEVENT
BEGIN:VEVENT
DESCRIPTION:Join us to learn about how Medicare works\, including the diffe
 rent parts of Medicare. What the rules and guidelines of Medicare are to av
 oid penalties. Discover how the Medicare enrollment period works and your o
 ptions. After this class you will be equipped to make an educated decision 
 about your Medicare choices.
DTEND:20261111T030000Z
DTSTAMP:20261005T210749Z
DTSTART:20261110T233000Z
LOCATION:Community Learning Center
SEQUENCE:0
SUMMARY:Medicare 101 (671-065)
UID:2026-10-05T21:07:49+00:00_993728046@ip-10-0-151-174.us-east-2.compute.i
 nternal
URL:https://isd194.arux.app/course/8657/enrichment-fall-winter-2026-2027/me
 dicare-101#671-065
END:VEVENT
BEGIN:VEVENT
DESCRIPTION:Join us to learn about how Medicare works\, including the diffe
 rent parts of Medicare. What the rules and guidelines of Medicare are to av
 oid penalties. Discover how the Medicare enrollment period works and your o
 ptions. After this class you will be equipped to make an educated decision 
 about your Medicare choices.
DTEND:20261209T030000Z
DTSTAMP:20261005T210749Z
DTSTART:20261208T233000Z
LOCATION:Community Learning Center
SEQUENCE:0
SUMMARY:Medicare 101 (671-066)
UID:2026-10-05T21:07:49+00:00_42159037@ip-10-0-151-174.us-east-2.compute.in
 ternal
URL:https://isd194.arux.app/course/8657/enrichment-fall-winter-2026-2027/me
 dicare-101#671-066
END:VEVENT
BEGIN:VEVENT
DESCRIPTION:One Should Ask: Is it better to have a formal plan in place\, o
 r leave things to future family dynamics and the ever changing benefit syst
 em? 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 ch
 ild\, grandchild or family member with special needs in their estate plan? 
 Yes\, and such planning will not adversely affect the benefits and programs
  which the person with special needs has available to them! This class will
  discuss how to properly protect your assets and provide for the future ben
 efit of the loved one with special needs. Whatever the type of the asset (t
 angible\, income producing or other) there are options you should know. We 
 will discuss how the special needs trust fits into your estate planning\, p
 lanning for the future of your loved one with special needs\, and pros and 
 cons of a special needs trust.
DTEND:20261104T030000Z
DTSTAMP:20261005T210749Z
DTSTART:20261103T233000Z
LOCATION:Community Learning Center
SEQUENCE:0
SUMMARY:The Special Needs Trust: Estate Planning for Grandparents\, Parents
 \, and Families (671-069)
UID:2026-10-05T21:07:49+00:00_263111188@ip-10-0-151-174.us-east-2.compute.i
 nternal
URL:https://isd194.arux.app/course/8750/enrichment-fall-winter-2026-2027/th
 e-special-needs-trust-estate-planning-for-grandparents-parents-and-families
 #671-069
END:VEVENT
BEGIN:VEVENT
DESCRIPTION:Did you know that women face unique challenges when it comes to
  maximizing their Social Security benefits? Understand key Social Security 
 provisions like:\n\n \n- How to qualify for spousal and survivor benefits o
 ff your husband's record\n\n- Increasing your payments by delaying claims a
 s long as possible\n\n- Managing the earned income limits if you continue w
 orking\n\n- Collecting on your ex-spouse's record after divorce\n\n- Minimi
 zing taxes on your Social Security income in retirement\n\n \nSecurities of
 fered through Parkland Securities\, LLC\, member FINRA/SIPC. Fee-based inve
 stment advisory services offered through Sigma Planning Corporation\, a reg
 istered investment advisor. Business and Family Advisors\, LLC is independe
 nt of Parkland Securities\, LLC and SPC
DTEND:20261113T031500Z
DTSTAMP:20261005T210749Z
DTSTART:20261112T233000Z
LOCATION:Community Learning Center
SEQUENCE:0
SUMMARY:Ladies Only: Your Strategic Guide to Maximizing Social Security Ben
 efits (671-061)
UID:2026-10-05T21:07:49+00:00_498682079@ip-10-0-151-174.us-east-2.compute.i
 nternal
URL:https://isd194.arux.app/course/8820/enrichment-fall-winter-2026-2027/la
 dies-only-your-strategic-guide-to-maximizing-social-security-benefits#671-0
 61
END:VEVENT
BEGIN:VEVENT
DESCRIPTION:In retirement\, your tax rate may vary widely over the years ba
 sed on the timing and order…\n\nLearn about the following:\n\n \n- The crit
 ical tax question you must answer BEFORE retirement\n\n- What the Social Se
 curity “tax trap” is and how you can avoid it\n\n- Why tapping assets in th
 e wrong order can trigger higher Medicare premiums\n\n- The four stages of 
 retirement and important tax actions in each stage\n\n- Mistakes to avoid w
 hen it comes to your investment portfolio\, health care\, and estate\n\n \n
 \nSecurities offered through Parkland Securities\, LLC\, member FINRA/SIPC.
  Fee-based investment advisory services offered through Sigma Planning Corp
 oration\, a registered investment advisor. Business and Family Advisors\, L
 LC is independent of Parkland Securities\, LLC and SPC
DTEND:20261120T030000Z
DTSTAMP:20261005T210749Z
DTSTART:20261119T233000Z
LOCATION:Community Learning Center
SEQUENCE:0
SUMMARY:Taxes in Retirement (671-062)
UID:2026-10-05T21:07:49+00:00_223828337@ip-10-0-151-174.us-east-2.compute.i
 nternal
URL:https://isd194.arux.app/course/8821/enrichment-fall-winter-2026-2027/ta
 xes-in-retirement#671-062
END:VEVENT
BEGIN:VEVENT
DESCRIPTION:Estate planning doesn’t have to feel intimidating or impersonal
 . In this practical class\, you’ll learn how generational planning helps in
 dividuals share more than money your wishes\, stories\, and values—so the n
 ext generation has clarity and direction. You’ll see what happens when a le
 gacy isn’t planned\, how to plan for sudden incapacity\, and how to success
 fully transfer both tangible and intangible wealth. You’ll leave with a sim
 ple six-step process and a clear next step you can take immediately. You do
 n’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.\n
  \n\nSecurities offered through Parkland Securities\, LLC\, member FINRA/SI
 PC. Fee-based investment advisory services offered through Sigma Planning C
 orporation\, a registered investment advisor. Business and Family Advisors\
 , LLC is independent of Parkland Securities\, LLC and SPC
DTEND:20261218T030000Z
DTSTAMP:20261005T210749Z
DTSTART:20261217T233000Z
LOCATION:Community Learning Center
SEQUENCE:0
SUMMARY:Six Steps to Legacy Planning for the Generations (671-063)
UID:2026-10-05T21:07:49+00:00_711124252@ip-10-0-151-174.us-east-2.compute.i
 nternal
URL:https://isd194.arux.app/course/8822/enrichment-fall-winter-2026-2027/si
 x-steps-to-legacy-planning-for-the-generations#671-063
END:VEVENT
BEGIN:VEVENT
DESCRIPTION:Learn how families can protect properties like cabins\, homeste
 ads\, farms\, or hunting land for future generations. Topics include naviga
 ting threats such as long-term care costs\, Medicaid\, estate taxes\, divor
 ces\, bankruptcy\, operating expenses\, and family dynamics. Participants w
 ill explore four clear paths and practical solutions to preserve family leg
 acy assets while maintaining harmony among owners and heirs.
DTEND:20261215T030000Z
DTSTAMP:20261005T210749Z
DTSTART:20261214T233000Z
LOCATION:Community Learning Center
SEQUENCE:0
SUMMARY:Four Successful Strategies to Protect the House\, Farm & Cabin (671
 -070)
UID:2026-10-05T21:07:49+00:00_616077498@ip-10-0-151-174.us-east-2.compute.i
 nternal
URL:https://isd194.arux.app/course/8823/enrichment-fall-winter-2026-2027/fo
 ur-successful-strategies-to-protect-the-house-farm-cabin#671-070
END:VEVENT
END:VCALENDAR