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Kevin Prendergast director of wealth management at the retirement Network Leland Smith Im recording this video on Friday October 21st were going to get into the September 2022 segment rates recently published by the IRS earlier this week for some of you not all of you for some of you this will be the last video that we publish and distribute before you make the big decision about your retirement date and your pension commencement prior to your end The Reason Id say some of you important to remember there are numerous at T pension programs while the programs are similar there are some subtle but important differences with respect to the timing of commencement so just bear that in mind thats why I say some uh not all okay so first things first the the interest rate Dynamic is really docHub its really impactful and interest rates have moved meaningfully higher this year in a way that we havent seen in a long long time decades so so we understand theres lots of conversations o