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[Music] hi my name is paul sunden and im with emperion today were going to talk a little bit about kind of a complex topic its the cash balance plan formula and calculation now being that this is a video its kind of tough for me to walk through the entire calculation for you however in the comment section ive actually put out i will have a link there for several articles that weve put out that detail the calculation not only the calculation and formula for year one but in a subsequent year too so you can understand the dynamics involved in underfunding over funding things of that nature but before we jump into the specifics make sure you like this video subscribe to the channel also leave a comment down below we we do review the comments from time to time and answer any questions down there you also have the ability in the comment section to set up for a consulting call and or get an illustration to find out a little bit more the details but now that we get that out of the way l