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everyone i hope all of you are enjoying the conference thus far were going to get started on our next and final breakout session which is on the topic of retirement plans designed for construction companies given by tom santa barbara of direct advisors tom is going to discuss a number of docHub changes with respect to retirement plans uh so just a few um uh housekeeping items before i turn things over to tom i will be monitoring the the chat box so please use that for any questions you have during the presentation you can send them to me privately or to all panelists well have a q a session after the presentation to go through those also let us know through the chat function if you have if you are experiencing any problems or need any technical assistance so with that please welcome president and co-founder of direct advisors and fellow penn stater tom santa barbara tom we are we are penn state thanks joe appreciate it very much uh and thank you everybody for uh attending this b