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[Music] hi this is paul sunden with imperium today were going to talk a little bit about defined benefit plan calculators and cash balance plan calculators were going to talk a little bit about how they work uh why theyre not always you know theyre a good starting point but theyre not always the best option for most people but were going to give you a little bit of insight in how to use them and make them work for you but before we dive in make sure you hit the like button subscribe to the channel so you can see more videos like this and certainly if you want any illustrations or a consultation call with us make sure you click on the link below in the description because well have a link there to our calendar you also can get a free consultation with us and get an illustration from us as well so its a great starting point for you but that being said lets dive in so online youre going to find all types of calculators out there okay theyre going to give you actually a wide var