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hi my name is adam welcome to the channel thanks for joining us today today were going to talk about something that weve bumped up against in the last couple weeks especially with clients uh financial plans that were putting together for people and it has to do with defined benefit plans and the inability to ladder income in retirement and i always pdocHub on this channel its important to build a plan around a go-go slogo and no-go phase and the reality is a lot of people that have defined benefit plans that is their main and a lot of times only source of income outside of cpp or qpp and your old age security and if thats the case for you this video is going to be really important and it may not be you a lot of people dont have defined benefit plans but youre going to have someone close to you that does you need to share this video because again weve had it about four or five times in the last few weeks where we put a plan together and the plan doesnt really work as well as we