BEGIN:VCALENDAR VERSION:2.0 PRODID:-//wp-events-plugin.com//7.4.8//EN BEGIN:VEVENT UID:1@efcwealthmanagement.com DTSTART:20260804T180000Z DTEND:20260804T200000Z DTSTAMP:20260723T140038Z URL:https://www.efcwealthmanagement.com/events/laafe-palms-rancho-park-lib rary/ SUMMARY:LAAFE Palms - Rancho Park Library DESCRIPTION:If you are approaching retirement or have already reached this stage in life\, this course is designed to assist you in planning with cle ar understanding and assurance. It addresses key topics such as Social Sec urity\, taxes\, investments\, Medicare\, and estate planning offering you a comprehensive grasp of what to anticipate. ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/07/laafe-new-2026.jpg CATEGORIES:Workshop LOCATION:https://maps.app.goo.gl/osSp9DFXTa8buU8R8 END:VEVENT BEGIN:VEVENT UID:3@efcwealthmanagement.com DTSTART:20260812T190000Z DTEND:20260812T200000Z DTSTAMP:20261007T180526Z URL:https://www.efcwealthmanagement.com/events/federal-benefits-planning-s eminar/ SUMMARY:Federal Benefits Planning Seminar DESCRIPTION:Deep dive into FERS\, TSP\, and federal pension optimization fo r government employees. CATEGORIES:Seminar LOCATION:https://maps.app.goo.gl/osSp9DFXTa8buU8R8 END:VEVENT BEGIN:VEVENT UID:18@efcwealthmanagement.com DTSTART:20260904T150000Z DTEND:20260904T154500Z DTSTAMP:20261007T180718Z URL:https://www.efcwealthmanagement.com/events/healthcare-costs-legacy-con siderations/ SUMMARY:Healthcare Costs & Legacy Considerations DESCRIPTION:Practical preparation for Medicare\, long-term care events\, an d estate-planning fundamentals. Learn to protect what you have built for y our loved ones. ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/08/on-demand-webinars-img3.jpg CATEGORIES:Healthcare & Estate END:VEVENT BEGIN:VEVENT UID:24@efcwealthmanagement.com DTSTART:20260909T173000Z DTEND:20260909T190000Z DTSTAMP:20261007T181024Z URL:https://www.efcwealthmanagement.com/events/laafe-at-redono-beach-libra ry/ SUMMARY:LAAFE at Redono Beach Library DESCRIPTION:If you are near or in retirement\, this course will equip you w ith tools to implement in your retirement planning! ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/09/laafe-new2026.jpg CATEGORIES:Workshop LOCATION:https://maps.app.goo.gl/4KB5inx8NPLeS9i56 END:VEVENT BEGIN:VEVENT UID:23@efcwealthmanagement.com DTSTART:20260915T180000Z DTEND:20260915T193000Z DTSTAMP:20261007T181041Z URL:https://www.efcwealthmanagement.com/events/laafe-at-marina-del-rey-lib rary/ SUMMARY:LAAFE at Marina Del Rey Library DESCRIPTION:Whether your questions are related to Social Security\, taxes\, investments\, Medicare\, or estate planning\, this course covers it all ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/09/laafe-new2026.jpg CATEGORIES:Workshop LOCATION:https://maps.app.goo.gl/MbxMH1ajf7A3p4ax7 END:VEVENT BEGIN:VEVENT UID:22@efcwealthmanagement.com DTSTART:20260923T180000Z DTEND:20260923T193000Z DTSTAMP:20261007T180916Z URL:https://www.efcwealthmanagement.com/events/laafe-santa-monica-pico-bra nch-library/ SUMMARY:LAAFE Santa Monica Pico Branch Library DESCRIPTION:Covering topics from Social Security and taxes to investments\, Medicare\, and estate planning\, it provides a thorough overview of the m ost important areas. You will gain clarity on questions such as ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/09/laafe-new2026.jpg CATEGORIES:Workshop LOCATION:https://maps.app.goo.gl/MbxMH1ajf7A3p4ax7 END:VEVENT BEGIN:VEVENT UID:21@efcwealthmanagement.com DTSTART:20261007T180000Z DTEND:20261007T200000Z DTSTAMP:20260909T131610Z URL:https://www.efcwealthmanagement.com/events/laafe-palms-rancho-park-lib rary-2/ SUMMARY:LAAFE Palms - Rancho Park Library DESCRIPTION:If you are approaching retirement or have already reached this stage in life\, this course is designed to assist you in planning with cle ar understanding and assurance. ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/09/laafe-new2026.jpg CATEGORIES:Workshop LOCATION:https://maps.app.goo.gl/osSp9DFXTa8buU8R8 END:VEVENT BEGIN:VEVENT UID:20@efcwealthmanagement.com DTSTART:20261013T180000Z DTEND:20261013T200000Z DTSTAMP:20261013T165419Z URL:https://www.efcwealthmanagement.com/events/palms-rancho-park-library/ SUMMARY:LAAFE at Palms-Rancho Park Library DESCRIPTION:Whether your questions are related to Social Security\, taxes\, investments\, Medicare\, or estate planning\, this course covers it all. ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/09/laafe-new2026.jpg CATEGORIES:Workshop LOCATION:https://maps.app.goo.gl/XCbKCXgRn632VwX9A END:VEVENT BEGIN:VEVENT UID:16@efcwealthmanagement.com DTSTART:20261015T000000Z DTEND:20261015T010000Z DTSTAMP:20260830T155726Z URL:https://www.efcwealthmanagement.com/events/navigating-social-security- income-planning/ SUMMARY:Navigating Social Security & Income Planning DESCRIPTION:Discover optimization strategies for claiming Social Security b enefits. Learn how to coordinate withdrawals and establish a structured re tirement paycheck. ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/08/on-demand-webinars-img1.jpg CATEGORIES:Retirement & Income END:VEVENT BEGIN:VEVENT UID:2@efcwealthmanagement.com DTSTART:20261015T180000Z DTEND:20261015T193000Z DTSTAMP:20261007T180624Z URL:https://www.efcwealthmanagement.com/events/retirement-income-mastercla ss/ SUMMARY:Retirement Income Masterclass DESCRIPTION:Discover how to coordinate Social Security\, pensions\, persona l investments\, and taxes into a single\, predictable monthly paycheck. Id eal for those within 5 years of retirement. ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/08/event-img1.jpg CATEGORIES:Seminar LOCATION:https://www.efcwealthmanagement.com/ END:VEVENT BEGIN:VEVENT UID:12@efcwealthmanagement.com DTSTART:20261015T180000Z DTEND:20261015T193000Z DTSTAMP:20260819T113612Z URL:https://www.efcwealthmanagement.com/events/retirement-income-mastercla ss-2/ SUMMARY:Retirement Income Masterclass DESCRIPTION:Discover how to coordinate Social Security\, pensions\, persona l investments\, and taxes into a single\, predictable monthly paycheck. Id eal for those within 5 years of retirement. ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/08/educational-workshops-img3.jpg CATEGORIES:Educational Workshop LOCATION:https://www.efcwealthmanagement.com/ END:VEVENT BEGIN:VEVENT UID:10@efcwealthmanagement.com DTSTART:20261021T120000Z DTEND:20261021T130000Z DTSTAMP:20260903T150721Z URL:https://www.efcwealthmanagement.com/events/tax-efficient-investing-and -wealth-reservation/ SUMMARY:Tax-Efficient Investing & Wealth Preservation DESCRIPTION:Discover tax bracket management strategies\, Roth conversion op portunities\, and how tax changes might impact your investments. ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/08/educational-workshops-img1.jpg CATEGORIES:Educational Workshop LOCATION:# END:VEVENT BEGIN:VEVENT UID:4@efcwealthmanagement.com DTSTART:20261021T180000Z DTEND:20261021T200000Z DTSTAMP:20260909T131435Z URL:https://www.efcwealthmanagement.com/events/tax-efficient-legacy-and-es tate-planning/ SUMMARY:LAAFE at Pepperdine Graziadio Business School DESCRIPTION:If you are near or in retirement\, this course will equip you w ith tools to implement in your retirement planning! ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/09/laafe-new2026.jpg CATEGORIES:Workshop LOCATION:https://maps.app.goo.gl/Z7fx5sTwBmiRGDwK9 END:VEVENT BEGIN:VEVENT UID:5@efcwealthmanagement.com DTSTART:20261024T110000Z DTEND:20261024T120000Z DTSTAMP:20261007T180813Z URL:https://www.efcwealthmanagement.com/events/navigating-market-volatilit y-in-retirement/ SUMMARY:Navigating Market Volatility in Retirement DESCRIPTION:Market downturns near retirement can threaten decades of hard w ork. Learn buffer asset strategies\, sequence of returns protection\, and tactical asset allocation methods. ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/08/event-image-2.jpg CATEGORIES:Webinar LOCATION:https://www.efcwealthmanagement.com/ END:VEVENT BEGIN:VEVENT UID:14@efcwealthmanagement.com DTSTART:20261103T183000Z DTEND:20261103T200000Z DTSTAMP:20260903T150731Z URL:https://www.efcwealthmanagement.com/events/tax-efficient-wealth-transf er-estate-planning/ SUMMARY:Tax-Efficient Wealth Transfer & Estate Planning DESCRIPTION:A comprehensive walkthrough of estate planning foundations: wil ls\, trusts\, avoiding probate\, and minimizing potential tax burdens on b eneficiaries. Discover how recent legislative changes may affect your lega cy planning. ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/08/retirement-seminars-img1.jpg CATEGORIES:Complimentary LOCATION:# END:VEVENT BEGIN:VEVENT UID:25@efcwealthmanagement.com DTSTART;TZID=America/Los_Angeles:20261105T173000 DTEND;TZID=America/Los_Angeles:20261105T193000 DTSTAMP:20261016T093957Z URL:https://www.efcwealthmanagement.com/events/laafe-at-marina-del-rey-lib rary-2/ SUMMARY:LAAFE at Marina Del Rey Library DESCRIPTION:Whether your questions are related to Social Security\, taxes\, investments\, Medicare\, or estate planning\, this course covers it all ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/09/laafe-new2026.jpg CATEGORIES:Workshop LOCATION:https://maps.app.goo.gl/MbxMH1ajf7A3p4ax7 END:VEVENT BEGIN:VEVENT UID:11@efcwealthmanagement.com DTSTART:20261110T180000Z DTEND:20261110T193000Z DTSTAMP:20260903T150743Z URL:https://www.efcwealthmanagement.com/events/healthcare-medicare-and-lon g-term-care-planning/ SUMMARY:Healthcare\, Medicare & Long-Term Care Planning DESCRIPTION:Understand the real costs of healthcare in retirement. We demys tify Medicare parts\, enrollment timelines\, and funding strategies. ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/08/educational-workshops-img2.jpg CATEGORIES:Educational Workshop LOCATION:# END:VEVENT BEGIN:VEVENT UID:7@efcwealthmanagement.com DTSTART:20261112T140000Z DTEND:20261112T144500Z DTSTAMP:20260816T135302Z URL:https://www.efcwealthmanagement.com/events/tax-aware-retirement-strate gies-keeping-more-of-what-youve-saved/ SUMMARY:Tax-Aware Retirement Strategies: Keeping More of What You've Saved DESCRIPTION:Learn how proactive planning can help you mitigate the tax impa ct on your retirement accounts\, navigate changing tax brackets\, and coor dinate potential withdrawals efficiently. ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/08/live-webinar-img1.jpg CATEGORIES:Live Webinar END:VEVENT BEGIN:VEVENT UID:8@efcwealthmanagement.com DTSTART:20261117T100000Z DTEND:20261117T110000Z DTSTAMP:20260903T150544Z URL:https://www.efcwealthmanagement.com/events/demystifying-social-securit y-maximizing-your-lifetime-benefits/ SUMMARY:Demystifying Social Security: Maximizing Your Lifetime Benefits DESCRIPTION:Understand key filing timelines\, spousal benefits\, and how co ordination of your filing date with other income sources can help support your long-term lifestyle needs. ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/08/live-webinar-img2.jpg CATEGORIES:Live Webinar END:VEVENT BEGIN:VEVENT UID:26@efcwealthmanagement.com DTSTART;TZID=America/Los_Angeles:20261117T183000 DTEND;TZID=America/Los_Angeles:20261117T200000 DTSTAMP:20261016T094235Z URL:https://www.efcwealthmanagement.com/events/laafe-at-pepperdine-graziad io-business-school/ SUMMARY:LAAFE at Pepperdine Graziadio Business School DESCRIPTION:If you are near or in retirement\, this course will equip you w ith tools to implement in your retirement planning! ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/09/laafe-new2026.jpg CATEGORIES:Workshop LOCATION:https://maps.app.goo.gl/Z7fx5sTwBmiRGDwK9 END:VEVENT BEGIN:VEVENT UID:15@efcwealthmanagement.com DTSTART:20261118T170000Z DTEND:20261118T190000Z DTSTAMP:20260903T150757Z URL:https://www.efcwealthmanagement.com/events/retirement-readiness-market -volatility/ SUMMARY:Retirement Readiness & Market Volatility DESCRIPTION:How to transition your portfolio from accumulation to distribut ion phase. We cover sequence-of-returns risk\, inflation hedges\, and buil ding reliable income streams that last a lifetime despite market cycles. ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/08/retirement-seminars-img2.jpg CATEGORIES:Complimentary LOCATION:# END:VEVENT BEGIN:VEVENT UID:17@efcwealthmanagement.com DTSTART:20261120T004500Z DTEND:20261120T023000Z DTSTAMP:20260830T142625Z URL:https://www.efcwealthmanagement.com/events/strategic-tax-planning-for- wealth-protection/ SUMMARY:Strategic Tax Planning for Wealth Protection DESCRIPTION:Explore tax-efficient accumulation and distribution strategies. Learn how Roth conversions\, RMD management\, and smart tax allocation ke ep more wealth in your hands. ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/08/on-demand-webinars-img2.jpg CATEGORIES:Tax Planning END:VEVENT BEGIN:VEVENT UID:27@efcwealthmanagement.com DTSTART;TZID=America/Los_Angeles:20261124T173000 DTEND;TZID=America/Los_Angeles:20261124T190000 DTSTAMP:20261016T113146Z URL:https://www.efcwealthmanagement.com/events/laafe-at-culver-city-librar y/ SUMMARY:LAAFE at Culver City Library DESCRIPTION:If you are near or in retirement\, this course will equip you w ith tools to implement in your retirement planning! ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/09/laafe-new2026.jpg CATEGORIES:Workshop LOCATION:https://maps.app.goo.gl/TjjkH4kwFiWRdoa56 END:VEVENT BEGIN:VEVENT UID:19@efcwealthmanagement.com DTSTART:20261130T090000Z DTEND:20261130T110000Z DTSTAMP:20260909T121949Z URL:https://www.efcwealthmanagement.com/events/healthcare-costs-legacy-con siderations-2/ SUMMARY:Healthcare Costs & Legacy Considerations DESCRIPTION:Practical preparation for Medicare\, long-term care events\, an d estate-planning fundamentals. Learn to protect what you have built for y our loved ones. ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/08/on-demand-webinars-img3.jpg CATEGORIES:Healthcare & Estate END:VEVENT BEGIN:VEVENT UID:9@efcwealthmanagement.com DTSTART:20261202T110000Z DTEND:20261202T114500Z DTSTAMP:20260907T164648Z URL:https://www.efcwealthmanagement.com/events/market-volatility-and-retir ement-structuring-solid-income-streams/ SUMMARY:Market Volatility and Retirement: Structuring Solid Income Streams DESCRIPTION:Explore strategies designed to help insulate your immediate cas h-flow needs from short-term market downturns\, and discover how to transi tion from asset accumulation to consistent income generation. ATTACH;FMTTYPE=image/jpeg:https://www.efcwealthmanagement.com/wp-content/u ploads/2026/08/event-img3.jpg CATEGORIES:Live Webinar END:VEVENT BEGIN:VTIMEZONE TZID:America/Los_Angeles X-LIC-LOCATION:America/Los_Angeles BEGIN:STANDARD DTSTART:20261101T010000 TZOFFSETFROM:-0700 TZOFFSETTO:-0800 TZNAME:PST END:STANDARD END:VTIMEZONE END:VCALENDAR