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X-WR-CALDESC:Events for Foguth Financial Group
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BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260608T180000
DTEND;TZID=America/Detroit:20260608T200000
DTSTAMP:20260608T021951
CREATED:20260526T163944Z
LAST-MODIFIED:20260526T163944Z
UID:10002231-1780941600-1780948800@foguthfinancial.com
SUMMARY:Legacy Planning Your Estate
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND EDUCATIONAL EVENT THAT WILL HELP YOU WITH THE FOLLOWING: \n\nESTATE PLANNING ESSENTIALS-Leveraging today’s exemptions\, trusts and charitable tools to preserve and transfer wealth efficiently\nTAX STRATEGIES-Coordinate withdrawals from taxable\, tax-deferred and tax-free accounts strategically\nMAKING SENSE OF TODAY’S MARKETS-We’ll discuss how to think about investing in today’s uncertain market-balancing opportunity with discipline to make smart\, long-term decisions\nLEGACY PLANNING-Protect your assets and share your legacy with your children\, favorite charity or another designated beneficiary\n\n  \nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/legacy-planning-your-estate-73/
LOCATION:Benstein Grille\, 2435 Benstein Rd\, Commerce Twp\, 48390\, United States
CATEGORIES:Southeast Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/12/image-3.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260608T180000
DTEND;TZID=America/Detroit:20260608T200000
DTSTAMP:20260608T021951
CREATED:20260526T164135Z
LAST-MODIFIED:20260526T164135Z
UID:10002232-1780941600-1780948800@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-740/
LOCATION:The Northside Pub\, 2353 Holton Rd\, Muskegon\, MI\, 49445\, United States
CATEGORIES:Western Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/11/How-to-Minimize-Taxes-in-Retirement_-Better-Financial-Education.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260608T180000
DTEND;TZID=America/Detroit:20260608T200000
DTSTAMP:20260608T021951
CREATED:20260526T164323Z
LAST-MODIFIED:20260526T173538Z
UID:10002233-1780941600-1780948800@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-741/
LOCATION:Prime 29 Steakhouse\, 6545 Orchard Lake Rd\, West Bloomfield\, MI\, 48322\, United States
CATEGORIES:Southeast Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/02/Untitled-design-19-1.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260609T180000
DTEND;TZID=America/Detroit:20260609T200000
DTSTAMP:20260608T021951
CREATED:20260526T163753Z
LAST-MODIFIED:20260526T163753Z
UID:10002230-1781028000-1781035200@foguthfinancial.com
SUMMARY:Legacy Planning Your Estate
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND EDUCATIONAL EVENT THAT WILL HELP YOU WITH THE FOLLOWING: \n\nESTATE PLANNING ESSENTIALS-Leveraging today’s exemptions\, trusts and charitable tools to preserve and transfer wealth efficiently\nTAX STRATEGIES-Coordinate withdrawals from taxable\, tax-deferred and tax-free accounts strategically\nMAKING SENSE OF TODAY’S MARKETS-We’ll discuss how to think about investing in today’s uncertain market-balancing opportunity with discipline to make smart\, long-term decisions\nLEGACY PLANNING-Protect your assets and share your legacy with your children\, favorite charity or another designated beneficiary\n\n  \nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/legacy-planning-your-estate-72/
LOCATION:Turtle Creek Casino and Hotel\, 7741 M-72\, Williamsburg\, MI\, 49690\, United States
CATEGORIES:Northern Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/12/image-3.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Phoenix:20260609T180000
DTEND;TZID=America/Phoenix:20260609T200000
DTSTAMP:20260608T021951
CREATED:20260526T164503Z
LAST-MODIFIED:20260526T164503Z
UID:10002234-1781028000-1781035200@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-742/
LOCATION:Tommy Bahama\, 15205 N Kierland Blvd\, Scottsdale\, AZ\, 85254\, United States
CATEGORIES:Central Arizona
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/11/How-to-Minimize-Taxes-in-Retirement_-Better-Financial-Education.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260609T180000
DTEND;TZID=America/Detroit:20260609T200000
DTSTAMP:20260608T021951
CREATED:20260526T164722Z
LAST-MODIFIED:20260526T164937Z
UID:10002235-1781028000-1781035200@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-743/
LOCATION:Mitchell’s Fish Market – Livonia\, MI\, 17600 Haggerty Rd\, Livonia\, MI\, 48152\, United States
CATEGORIES:Southeast Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/11/How-to-Minimize-Taxes-in-Retirement_-Better-Financial-Education.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260609T180000
DTEND;TZID=America/Detroit:20260609T200000
DTSTAMP:20260608T021951
CREATED:20260526T165202Z
LAST-MODIFIED:20260601T162310Z
UID:10002236-1781028000-1781035200@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-744/
LOCATION:Bella Limone\, 100 S Main St\, Royal Oak\, MI\, 48067\, United States
CATEGORIES:Southeast Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/02/Untitled-design-19-1.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260610T180000
DTEND;TZID=America/Detroit:20260610T200000
DTSTAMP:20260608T021951
CREATED:20260526T165522Z
LAST-MODIFIED:20260526T165522Z
UID:10002237-1781114400-1781121600@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-745/
LOCATION:The Northside Pub\, 2353 Holton Rd\, Muskegon\, MI\, 49445\, United States
CATEGORIES:Western Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/11/How-to-Minimize-Taxes-in-Retirement_-Better-Financial-Education.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260610T180000
DTEND;TZID=America/Detroit:20260610T200000
DTSTAMP:20260608T021951
CREATED:20260526T165737Z
LAST-MODIFIED:20260526T165737Z
UID:10002238-1781114400-1781121600@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-746/
LOCATION:Gravity Taphouse Grill\, 3210 Deposit Dr NE\, Grand Rapids\, MI\, 49546\, United States
CATEGORIES:Western Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/11/How-to-Minimize-Taxes-in-Retirement_-Better-Financial-Education.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260611T180000
DTEND;TZID=America/Detroit:20260611T200000
DTSTAMP:20260608T021951
CREATED:20260526T175622Z
LAST-MODIFIED:20260601T162447Z
UID:10002239-1781200800-1781208000@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-747/
LOCATION:Major Biddles\, 930 Biddle Ave\, Wyandotte\, MI\, 48192\, United States
CATEGORIES:Downriver-Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/02/Untitled-design-19-1.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260611T180000
DTEND;TZID=America/Detroit:20260611T200000
DTSTAMP:20260608T021951
CREATED:20260526T175743Z
LAST-MODIFIED:20260526T175743Z
UID:10002240-1781200800-1781208000@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-748/
LOCATION:Cooper’s Hawk-Troy\, 151 E Big Beaver Rd\, Troy\, MI\, 48083\, United States
CATEGORIES:Southeast Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/11/How-to-Minimize-Taxes-in-Retirement_-Better-Financial-Education.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260611T180000
DTEND;TZID=America/Detroit:20260611T200000
DTSTAMP:20260608T021951
CREATED:20260526T175927Z
LAST-MODIFIED:20260526T175927Z
UID:10002241-1781200800-1781208000@foguthfinancial.com
SUMMARY:Legacy Planning Your Estate
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND EDUCATIONAL EVENT THAT WILL HELP YOU WITH THE FOLLOWING: \n\nESTATE PLANNING ESSENTIALS-Leveraging today’s exemptions\, trusts and charitable tools to preserve and transfer wealth efficiently\nTAX STRATEGIES-Coordinate withdrawals from taxable\, tax-deferred and tax-free accounts strategically\nMAKING SENSE OF TODAY’S MARKETS-We’ll discuss how to think about investing in today’s uncertain market-balancing opportunity with discipline to make smart\, long-term decisions\nLEGACY PLANNING-Protect your assets and share your legacy with your children\, favorite charity or another designated beneficiary\n\n  \nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/legacy-planning-your-estate-74/
LOCATION:Benstein Grille\, 2435 Benstein Rd\, Commerce Twp\, 48390\, United States
CATEGORIES:Southeast Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/12/image-3.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Phoenix:20260611T180000
DTEND;TZID=America/Phoenix:20260611T200000
DTSTAMP:20260608T021951
CREATED:20260526T180312Z
LAST-MODIFIED:20260526T180312Z
UID:10002242-1781200800-1781208000@foguthfinancial.com
SUMMARY:Legacy Planning Your Estate
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND EDUCATIONAL EVENT THAT WILL HELP YOU WITH THE FOLLOWING: \n\nESTATE PLANNING ESSENTIALS-Leveraging today’s exemptions\, trusts and charitable tools to preserve and transfer wealth efficiently\nTAX STRATEGIES-Coordinate withdrawals from taxable\, tax-deferred and tax-free accounts strategically\nMAKING SENSE OF TODAY’S MARKETS-We’ll discuss how to think about investing in today’s uncertain market-balancing opportunity with discipline to make smart\, long-term decisions\nLEGACY PLANNING-Protect your assets and share your legacy with your children\, favorite charity or another designated beneficiary\n\n  \nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/legacy-planning-your-estate-75/
LOCATION:Postino Arcadia\, 3939 E Campbell Ave\, Phoenix\, 85018\, United States
CATEGORIES:Central Arizona
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/12/image-3.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260615T180000
DTEND;TZID=America/Detroit:20260615T200000
DTSTAMP:20260608T021951
CREATED:20260526T180459Z
LAST-MODIFIED:20260601T162222Z
UID:10002243-1781546400-1781553600@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-749/
LOCATION:Bella Limone\, 100 S Main St\, Royal Oak\, MI\, 48067\, United States
CATEGORIES:Southeast Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/02/Untitled-design-19-1.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260615T180000
DTEND;TZID=America/Detroit:20260615T200000
DTSTAMP:20260608T021951
CREATED:20260602T162252Z
LAST-MODIFIED:20260602T162252Z
UID:10002244-1781546400-1781553600@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-750/
LOCATION:Gravity Taphouse Grill\, 3210 Deposit Dr NE\, Grand Rapids\, MI\, 49546\, United States
CATEGORIES:Western Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/11/How-to-Minimize-Taxes-in-Retirement_-Better-Financial-Education.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260616T180000
DTEND;TZID=America/Detroit:20260616T200000
DTSTAMP:20260608T021951
CREATED:20260602T162523Z
LAST-MODIFIED:20260602T162523Z
UID:10002245-1781632800-1781640000@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-751/
LOCATION:Mitchell’s Seafood House-Lansing\, 2975 Preyde Blvd\, Lansing\, MI\, 48912\, United States
CATEGORIES:Mid Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/11/How-to-Minimize-Taxes-in-Retirement_-Better-Financial-Education.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Phoenix:20260616T180000
DTEND;TZID=America/Phoenix:20260616T200000
DTSTAMP:20260608T021951
CREATED:20260602T162639Z
LAST-MODIFIED:20260602T162639Z
UID:10002246-1781632800-1781640000@foguthfinancial.com
SUMMARY:Legacy Planning Your Estate
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND EDUCATIONAL EVENT THAT WILL HELP YOU WITH THE FOLLOWING: \n\nESTATE PLANNING ESSENTIALS-Leveraging today’s exemptions\, trusts and charitable tools to preserve and transfer wealth efficiently\nTAX STRATEGIES-Coordinate withdrawals from taxable\, tax-deferred and tax-free accounts strategically\nMAKING SENSE OF TODAY’S MARKETS-We’ll discuss how to think about investing in today’s uncertain market-balancing opportunity with discipline to make smart\, long-term decisions\nLEGACY PLANNING-Protect your assets and share your legacy with your children\, favorite charity or another designated beneficiary\n\n  \nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/legacy-planning-your-estate-76/
LOCATION:Postino Arcadia\, 3939 E Campbell Ave\, Phoenix\, 85018\, United States
CATEGORIES:Central Arizona
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/12/image-3.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260616T180000
DTEND;TZID=America/Detroit:20260616T200000
DTSTAMP:20260608T021951
CREATED:20260602T195731Z
LAST-MODIFIED:20260602T195731Z
UID:10002253-1781632800-1781640000@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-757/
LOCATION:Mitchell’s Seafood House-Lansing\, 2975 Preyde Blvd\, Lansing\, MI\, 48912\, United States
CATEGORIES:Mid Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/11/How-to-Minimize-Taxes-in-Retirement_-Better-Financial-Education.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260617T180000
DTEND;TZID=America/Detroit:20260617T200000
DTSTAMP:20260608T021951
CREATED:20260602T162926Z
LAST-MODIFIED:20260602T162926Z
UID:10002247-1781719200-1781726400@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-752/
LOCATION:Cooper’s Hawk-Troy\, 151 E Big Beaver Rd\, Troy\, MI\, 48083\, United States
CATEGORIES:Southeast Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/11/How-to-Minimize-Taxes-in-Retirement_-Better-Financial-Education.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260617T180000
DTEND;TZID=America/Detroit:20260617T200000
DTSTAMP:20260608T021951
CREATED:20260602T163036Z
LAST-MODIFIED:20260605T190245Z
UID:10002248-1781719200-1781726400@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-753/
LOCATION:Black Rock – Ann Arbor\, MI\, 3776 S State St\, Ann Arbor\, MI\, 48108\, United States
CATEGORIES:Southeast Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/02/Untitled-design-19-1.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260617T180000
DTEND;TZID=America/Detroit:20260617T200000
DTSTAMP:20260608T021951
CREATED:20260602T163345Z
LAST-MODIFIED:20260602T163345Z
UID:10002249-1781719200-1781726400@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-754/
LOCATION:Da Francesco’s – Shelby Township\, MI\, 49521 Van Dyke Ave\, Shelby Township\, MI\, 48317\, United States
CATEGORIES:Southeast Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/11/How-to-Minimize-Taxes-in-Retirement_-Better-Financial-Education.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260618T180000
DTEND;TZID=America/Detroit:20260618T200000
DTSTAMP:20260608T021951
CREATED:20260602T195149Z
LAST-MODIFIED:20260602T195149Z
UID:10002250-1781805600-1781812800@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-755/
LOCATION:Union 212\, 212 Union St\, Milford\, MI\, 48381\, United States
CATEGORIES:Southeast Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/11/How-to-Minimize-Taxes-in-Retirement_-Better-Financial-Education.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260618T180000
DTEND;TZID=America/Detroit:20260618T200000
DTSTAMP:20260608T021951
CREATED:20260602T195302Z
LAST-MODIFIED:20260602T195302Z
UID:10002251-1781805600-1781812800@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-756/
LOCATION:White Horse Inn – Metamora\, 1 E High St\, Metamora\, MI\, 48455\, United States
CATEGORIES:Southeast Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/11/How-to-Minimize-Taxes-in-Retirement_-Better-Financial-Education.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260618T180000
DTEND;TZID=America/Detroit:20260618T200000
DTSTAMP:20260608T021951
CREATED:20260602T195604Z
LAST-MODIFIED:20260602T195604Z
UID:10002252-1781805600-1781812800@foguthfinancial.com
SUMMARY:Legacy Planning Your Estate
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND EDUCATIONAL EVENT THAT WILL HELP YOU WITH THE FOLLOWING: \n\nESTATE PLANNING ESSENTIALS-Leveraging today’s exemptions\, trusts and charitable tools to preserve and transfer wealth efficiently\nTAX STRATEGIES-Coordinate withdrawals from taxable\, tax-deferred and tax-free accounts strategically\nMAKING SENSE OF TODAY’S MARKETS-We’ll discuss how to think about investing in today’s uncertain market-balancing opportunity with discipline to make smart\, long-term decisions\nLEGACY PLANNING-Protect your assets and share your legacy with your children\, favorite charity or another designated beneficiary\n\n  \nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/legacy-planning-your-estate-77/
LOCATION:Reds at Thousand Oaks\, 4100 Thousand Oaks NE\, Grand Rapids\, MI\, 49525\, United States
CATEGORIES:Western Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/12/image-3.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260623T180000
DTEND;TZID=America/Detroit:20260623T200000
DTSTAMP:20260608T021951
CREATED:20260602T195852Z
LAST-MODIFIED:20260602T195852Z
UID:10002254-1782237600-1782244800@foguthfinancial.com
SUMMARY:Legacy Planning Your Estate
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND EDUCATIONAL EVENT THAT WILL HELP YOU WITH THE FOLLOWING: \n\nESTATE PLANNING ESSENTIALS-Leveraging today’s exemptions\, trusts and charitable tools to preserve and transfer wealth efficiently\nTAX STRATEGIES-Coordinate withdrawals from taxable\, tax-deferred and tax-free accounts strategically\nMAKING SENSE OF TODAY’S MARKETS-We’ll discuss how to think about investing in today’s uncertain market-balancing opportunity with discipline to make smart\, long-term decisions\nLEGACY PLANNING-Protect your assets and share your legacy with your children\, favorite charity or another designated beneficiary\n\n  \nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/legacy-planning-your-estate-78/
LOCATION:Reds at Thousand Oaks\, 4100 Thousand Oaks NE\, Grand Rapids\, MI\, 49525\, United States
CATEGORIES:Western Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/12/image-3.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260623T180000
DTEND;TZID=America/Detroit:20260623T200000
DTSTAMP:20260608T021951
CREATED:20260602T200003Z
LAST-MODIFIED:20260602T200003Z
UID:10002255-1782237600-1782244800@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-758/
LOCATION:Union 212\, 212 Union St\, Milford\, MI\, 48381\, United States
CATEGORIES:Southeast Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/11/How-to-Minimize-Taxes-in-Retirement_-Better-Financial-Education.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260623T180000
DTEND;TZID=America/Detroit:20260623T200000
DTSTAMP:20260608T021951
CREATED:20260602T200123Z
LAST-MODIFIED:20260605T190202Z
UID:10002256-1782237600-1782244800@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-759/
LOCATION:Black Rock – Ann Arbor\, MI\, 3776 S State St\, Ann Arbor\, MI\, 48108\, United States
CATEGORIES:Southeast Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/02/Untitled-design-19-1.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260623T180000
DTEND;TZID=America/Detroit:20260623T200000
DTSTAMP:20260608T021951
CREATED:20260602T200222Z
LAST-MODIFIED:20260602T200222Z
UID:10002257-1782237600-1782244800@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-760/
LOCATION:White Horse Inn – Metamora\, 1 E High St\, Metamora\, MI\, 48455\, United States
CATEGORIES:Southeast Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/11/How-to-Minimize-Taxes-in-Retirement_-Better-Financial-Education.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260623T180000
DTEND;TZID=America/Detroit:20260623T200000
DTSTAMP:20260608T021951
CREATED:20260602T200411Z
LAST-MODIFIED:20260602T200411Z
UID:10002258-1782237600-1782244800@foguthfinancial.com
SUMMARY:Taxes in Retirement
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND  EDUCATIONAL EVENT THAT WILL HELP  YOU DO THE FOLLOWING: \n\nIDENTIFY THE FIVE BIG RISKS OF RETIREMENT\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF INFLATION\nSHARE WITH YOU PROVEN METHODS TO HELP  MITIGATE THE IMPACTS OF TAXES\nBUILD A BETTER UNDERSTANDING OF THE RETIREMENT LANDSCAPE\n\nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/taxes-in-retirement-761/
LOCATION:Da Francesco’s – Shelby Township\, MI\, 49521 Van Dyke Ave\, Shelby Township\, MI\, 48317\, United States
CATEGORIES:Southeast Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/11/How-to-Minimize-Taxes-in-Retirement_-Better-Financial-Education.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Detroit:20260623T180000
DTEND;TZID=America/Detroit:20260623T200000
DTSTAMP:20260608T021951
CREATED:20260602T201957Z
LAST-MODIFIED:20260602T201957Z
UID:10002264-1782237600-1782244800@foguthfinancial.com
SUMMARY:Legacy Planning Your Estate
DESCRIPTION:JOIN US FOR A COMPLIMENTARY MEAL AND EDUCATIONAL EVENT THAT WILL HELP YOU WITH THE FOLLOWING: \n\nESTATE PLANNING ESSENTIALS-Leveraging today’s exemptions\, trusts and charitable tools to preserve and transfer wealth efficiently\nTAX STRATEGIES-Coordinate withdrawals from taxable\, tax-deferred and tax-free accounts strategically\nMAKING SENSE OF TODAY’S MARKETS-We’ll discuss how to think about investing in today’s uncertain market-balancing opportunity with discipline to make smart\, long-term decisions\nLEGACY PLANNING-Protect your assets and share your legacy with your children\, favorite charity or another designated beneficiary\n\n  \nACT FAST BECAUSE SEATING IS LIMITED.  \nAs seating is limited\, FIRST TIME ATTENDEES ONLY\, please. \n 
URL:https://foguthfinancial.com/event/legacy-planning-your-estate-81/
LOCATION:Dusty’s Cellar\, 1839 W Grand River Ave\, Okemos\, MI\, 48864\, United States
CATEGORIES:Mid Michigan
ATTACH;FMTTYPE=image/png:https://foguthfinancial.com/wp-content/uploads/2025/12/image-3.png
ORGANIZER;CN="Foguth Financial":MAILTO:george@foguthfinancial.com
END:VEVENT
END:VCALENDAR