BEGIN:VCALENDAR
VERSION:2.0
PRODID:-//Butler//AI Family Concierge//EN
CALSCALE:GREGORIAN
METHOD:PUBLISH
X-WR-CALNAME:💳 Quarterly Subscription Cull\, Policy Benchmark & Financial 
 Deadlines
X-WR-TIMEZONE:UTC
BEGIN:VEVENT
UID:fin_q2_subs_2026
DTSTART:20260516T100000Z
DTEND:20260516T110000Z
SUMMARY:✂️ Q2 Streaming\, App & Recurring Subscription Audit
DESCRIPTION:Audit bank and credit card recurring charges\; cancel forgotten
  trials\, unused streaming channels\, and duplicate software tools.
END:VEVENT
BEGIN:VEVENT
UID:fin_q3_insurance_2026
DTSTART:20260815T100000Z
DTEND:20260815T113000Z
SUMMARY:🛡️ Q3 Annual Home & Auto Insurance Benchmark Review
DESCRIPTION:Compare current home\, umbrella\, and auto policy deductibles w
 ith 3 competitive quotes before autumn renewal deadlines.
END:VEVENT
BEGIN:VEVENT
UID:fin_q4_college_2026
DTSTART:20261114T100000Z
DTEND:20261114T113000Z
SUMMARY:🎓 Q4 College Savings (529/ISA) & Investment Allocation Check
DESCRIPTION:Review children college savings growth\, verify automated month
 ly transfers\, and rebalance family investment portfolios.
END:VEVENT
BEGIN:VEVENT
UID:fin_q4_tax_2026
DTSTART:20261212T100000Z
DTEND:20261212T113000Z
SUMMARY:📈 Year-End Retirement Contribution & Tax-Loss Optimization
DESCRIPTION:Maximize annual 401(k)\, IRA\, or ISA retirement contributions 
 and execute year-end charitable giving before Dec 31.
END:VEVENT
END:VCALENDAR