I've had the fan clutch pulley off of my 103 before and there was no trick. It might be stuck on the centering hub. Once you get it off, you might scrub the surfaces with some 600 grit or a small wire brush and put some grease on it for next time.
Can you wobble it at all and work it off? Worst case, if you start beating on it and damage the bearing, the bracket/bearing is about $100.
Experience is something you don't get until just after you need it.