BEGIN:VCALENDAR
VERSION:2.0
X-WR-CALNAME:Wayzata Community Ed - All Courses
CALSCALE:GREGORIAN
PRODID:iCalendar-Ruby
BEGIN:VEVENT
DESCRIPTION:We will review the process of buying a home from A-Z and discus
 s unique funding that is only available to YOU- a first-time buyer. With on
 e program\, it is possible to buy a home for as little as $1000 of your own
  funds. You are generally a first-time buyer if you have not owned a home i
 n the past 3 years.
DTEND:20261010T210000Z
DTSTAMP:20260918T055613Z
DTSTART:20261010T190000Z
LOCATION:Online
SEQUENCE:0
SUMMARY:First-Time Home Buyers: Learn how to buy a home using special loans
 \, grants\, and First Generation homeownership funds! (HOMEBUYERS-F-26)
UID:2026-09-18T05:56:13+00:00_241601603@ip-10-0-160-141.us-east-2.compute.i
 nternal
URL:https://wayzataschools.arux.app/course/10900/adult-classes-fall-2026/fi
 rst-time-home-buyers-learn-how-to-buy-a-home-using-special-loans-grants-and
 -first-generation-homeownership-funds#HOMEBUYERS-F-26
END:VEVENT
BEGIN:VEVENT
DESCRIPTION:Aging often involves transitioning to different housing. The pr
 ocess involves coordinating financial and physical health considerations an
 d frequently downsizing a home. We review these aspects so you can plan. Ho
 using discussed- buying & renting-subsidized and elderly waivers\, market-r
 ate apartments\, 55+\, CCRC\, independent/assisted living age in place\, me
 mory care\, cooperatives\, condo/townhouses. Explore alternatives to just s
 ingle-family living. Come with your questions to decide what will work best
  for you and what are your next steps?
DTEND:20261113T031500Z
DTSTAMP:20260918T055613Z
DTSTART:20261113T004500Z
LOCATION:Wayzata Central Middle School CMS
SEQUENCE:0
SUMMARY:Introduction to Senior Housing Options (SRHOUSE-F-26)
UID:2026-09-18T05:56:13+00:00_830085685@ip-10-0-160-141.us-east-2.compute.i
 nternal
URL:https://wayzataschools.arux.app/course/10901/adult-classes-fall-2026/in
 troduction-to-senior-housing-options#SRHOUSE-F-26
END:VEVENT
BEGIN:VEVENT
DESCRIPTION:Now is the time to start planning for Income in Retirement.\n\n
 You will learn:Social Security\n \n- 5 factors to consider when deciding to
  apply for benefits\n\n- When it makes sense to delay benefits and when it 
 does not\n\n- How to estimate your benefits\n\n- Innovative strategies for 
 coordinating benefits with your spouse\n\n- How to minimize taxes on Social
  Security Benefits\n\n- How to coordinate Social Security with your other f
 orms of retirement benefits\n\n \nMedicare\n \n- How Medicare enrollment pe
 riods work – and what you need to do to avoid late-enrollment penalties\n\n
 - How much you can expect to pay in health care cost after going onto Medic
 ate\n\n- How Medicare works with private insurance to provide comprehensive
  coverage\n\n- Why most people pay too much for private insurance and how y
 ou can avoid excess costs\n\n- Why you must plan for higher health care cos
 ts in retirement – including the possibility of needing long-term care.
DTEND:20261028T020000Z
DTSTAMP:20260918T055613Z
DTSTART:20261027T230000Z
LOCATION:Wayzata Central Middle School CMS
SEQUENCE:0
SUMMARY:Savvy Social Security Planning and Medicare Basics for Couples (SSM
 EDICARECOUPLES-F-26)
UID:2026-09-18T05:56:13+00:00_689467676@ip-10-0-160-141.us-east-2.compute.i
 nternal
URL:https://wayzataschools.arux.app/course/10975/adult-classes-fall-2026/sa
 vvy-social-security-planning-and-medicare-basics-for-couples#SSMEDICARECOUP
 LES-F-26
END:VEVENT
BEGIN:VEVENT
DESCRIPTION:Whether you plan to stop work all at once\, or ease into retire
 ment by working part-time\, at some point you will need to arrange for mult
 iple sources of income to replace your paycheck. What do you need to think 
 about as you transition from work life to retired life? Where will your inc
 ome come from? How can you make it last?At this workshop you will learn:\n 
 \n- Why you need a retirement income plan\n\n- 6 questions to ask before yo
 u retire\n\n- How to determine how much income you will need in retirement\
 n\n- The 4 primary sources of retirement income\n\n- 4 popular withdrawal s
 trategies and the pros and cons of each\n\n- How retirement income is taxed
 \n\n- 5 tax planning strategies in retirement\n\n- A retirement income acti
 on plan
DTEND:20261202T030000Z
DTSTAMP:20260918T055613Z
DTSTART:20261202T000000Z
LOCATION:Wayzata Central Middle School CMS
SEQUENCE:0
SUMMARY:Retirement Income Planning (SRTP-F-26)
UID:2026-09-18T05:56:13+00:00_628322034@ip-10-0-160-141.us-east-2.compute.i
 nternal
URL:https://wayzataschools.arux.app/course/10976/adult-classes-fall-2026/re
 tirement-income-planning#SRTP-F-26
END:VEVENT
BEGIN:VEVENT
DESCRIPTION:In retirement\, your tax rate may vary widely over the years ba
 sed on the timing and order in which you use different sources of money to 
 pay for your living expenses. You want to apply the tax code in an organize
 d and efficient way.At this workshop you will learn:\n \n- The critical tax
  question you must answer BEFORE retirement\n\n- The surprises that often m
 ake retirement more expensive\n\n- What the Social Security “tax trap” is a
 nd how you can avoid it\n\n- Why tapping assets in the wrong order can trig
 ger higher Medicare premiums\n\n- Why you need to manage taxes even before 
 you retire\n\n- The four stages of retirement and important tax actions in 
 each stage\, including tricky IRA challenges\n\n- Mistakes to avoid when it
  comes to your investment portfolio\, health care\, and estate
DTEND:20261218T030000Z
DTSTAMP:20260918T055613Z
DTSTART:20261218T000000Z
LOCATION:Wayzata Central Middle School CMS
SEQUENCE:0
SUMMARY:Tax Planning in Retirement (TAXPLANNING-F-26)
UID:2026-09-18T05:56:13+00:00_353771358@ip-10-0-160-141.us-east-2.compute.i
 nternal
URL:https://wayzataschools.arux.app/course/10977/adult-classes-fall-2026/ta
 x-planning-in-retirement#TAXPLANNING-F-26
END:VEVENT
BEGIN:VEVENT
DESCRIPTION:What happens to your business when you step away? This course h
 elps business owners think beyond the day to day and plan for the future wi
 th clarity and confidence.You’ll learn why having a succession plan isn’t j
 ust about retirement. It’s a strategic advantage that strengthens your busi
 ness today\, support key relationships\, and preserves what you’ve built. W
 e’ll explore common challenges\, practical options for transferring ownersh
 ip\, and how to align your plan with your personal\, family\, and financial
  goals.Whether your vision is to pass the business on\, transition leadersh
 ip\, or prepare for an unexpected event\, this session will give you the to
 ols and insights to take the first step.
DTEND:20261009T001500Z
DTSTAMP:20260918T055613Z
DTSTART:20261008T224500Z
LOCATION:Wayzata Central Middle School CMS
SEQUENCE:0
SUMMARY:Will Your Business Survive Without You? Protecting What You’ve Buil
 t (BUSINESS-SURVIVE-F-26)
UID:2026-09-18T05:56:13+00:00_750681651@ip-10-0-160-141.us-east-2.compute.i
 nternal
URL:https://wayzataschools.arux.app/course/11024/adult-classes-fall-2026/wi
 ll-your-business-survive-without-you-protecting-what-you-ve-built#BUSINESS-
 SURVIVE-F-26
END:VEVENT
BEGIN:VEVENT
DESCRIPTION:Creating Your Estate Plan is designed to help you better unders
 tand the basics of estate planning so you can consider the options that mak
 es the most sense for your specific situation. Participants will learn what
  to consider when creating a will\, the benefits of trusts in estate planni
 ng\, how to reduce taxes on estates\, and how insurance can help protect yo
 ur family.
DTEND:20261007T010000Z
DTSTAMP:20260918T055613Z
DTSTART:20261006T223000Z
LOCATION:Wayzata Central Middle School CMS
SEQUENCE:0
SUMMARY:Creating Your Estate Plan (ESTATE-F-26)
UID:2026-09-18T05:56:13+00:00_907181805@ip-10-0-160-141.us-east-2.compute.i
 nternal
URL:https://wayzataschools.arux.app/course/10904/adult-classes-fall-2026/cr
 eating-your-estate-plan#ESTATE-F-26
END:VEVENT
BEGIN:VEVENT
DESCRIPTION:Retire with dignity and build generational wealth. Retire with 
 confidence by learning how to optimize distributions from Social Security\,
  Pensions\, work retirement plans and Traditional IRA. Learn about the bene
 fits of Roth IRA and how they can help reduce your taxes. The class also co
 vers importance of Estate Planning\, Long Term Care Insurance and when Annu
 ities are useful.
DTEND:20260923T010000Z
DTSTAMP:20260918T055613Z
DTSTART:20260922T223000Z
LOCATION:Wayzata Central Middle School CMS
SEQUENCE:0
SUMMARY:Comprehensive Retirement Planning Course (RETIRE-F-26)
UID:2026-09-18T05:56:13+00:00_982548563@ip-10-0-160-141.us-east-2.compute.i
 nternal
URL:https://wayzataschools.arux.app/course/10903/adult-classes-fall-2026/co
 mprehensive-retirement-planning-course#RETIRE-F-26
END:VEVENT
END:VCALENDAR