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your survivor benefit plan is an incredible program but many feds fail to look at all of their options this can lead to inadequate coverage for your family and costly mistakes that you have a very limited time to correct in this episode i will share some of the highlights of the major characteristics of your survivor benefit plan outline the pros and cons and then share a properly designed strategy [Music] welcome im ed smith president of valor wealth partners where were dedicated to educating federal employees on how to maximize value from their complex and often underutilized benefits to me financial planning is all about solving problems using all of the available resources to you and when people look at the survivor benefit plan unfortunately they stop at the tool or the resource of the survivor benefit plan and dont look at all of their options so lets first figure out what the problem is and the problem is that if youre not around your spouse has to live off of limited incom