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hello my name is Vito D Simone and Im a retirement plan advisor at empower youre a Commonwealth of Massachusetts Deferred Compensation Plan is a powerful tool to help you as you journey to retirement the plan is a voluntary supplement to your pension with the Commonwealth of Massachusetts and any other retirement plans you may have it provides you with the opportunity to save and invest extra money for retirement tax deferred So today were going to talk about the Smart Plan were going to discuss the highlights of the plan the nuts and bolts of what a 457 Deferred Compensation Plan is and how it works then well talk about the importance of saving for retirement how much you might want to save and strategy for investing those savings well also discuss the different Paths of investing that are available to you through the smart plan later Ill also answer any questions you might have and even get you enrolled should you decide to do so today remember its never too early or too late