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[Music] today were going to talk about one of our biggest competitors out there in the space as you probably are aware we do a lot of work with schwab in fact weve got a rep over at schwab where we can send our plans directly to and theyll help you get a plan set up on their site but we also come into contact with people that are comparing us to schwab personal defined benefit plans um you know schwab has a competing uh plan and a competing platform to ours and you know its a great product im not going to tell you im not going to say anything bad about the schwab personal defined benefit plan but i will say theres some unique structures with our plans that we think are a little bit better than the schwab plans so ill walk through a few different unique structures and benefits to our plans and at the end of the day docHub out to us in fact docHub out to schwab compare the plans for yourself and you make the best decision so first of all um one of the big advantages to our plans i
