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\u09a8\u0997\u09a6 \u0985\u09b0\u09cd\u09a5 \u09ac\u09cd\u09af\u09ac\u09b8\u09cd\u09a5\u09be\u09aa\u09a8\u09be<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">\u09ac\u09bf\u09ad\u09bf\u09a8\u09cd\u09a8 \u09a7\u09b0\u09a8\u09c7\u09b0 \u09ac\u09c0\u09ae\u09be<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">\u09b8\u09ae\u09cd\u09aa\u09a4\u09cd\u09a4\u09bf \u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09a8\u09be<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">\u09b8\u09ae\u09cd\u09ad\u09be\u09ac\u09cd\u09af \u098f\u09b8\u09cd\u099f\u09c7\u099f \u099f\u09cd\u09af\u09be\u0995\u09cd\u09b8 \u098f\u09ac\u0982 \u09aa\u09cd\u09b0\u09cb\u09ac\u09c7\u099f \u09ab\u09bf \u09af\u09a5\u09be\u09b8\u09ae\u09cd\u09ad\u09ac \u0995\u09ae\u09bf\u09df\u09c7 \u0986\u09a8\u09be\u0964.<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">\u09ac\u09df\u09b8\u09cd\u0995 \u09ac\u09cd\u09af\u0995\u09cd\u09a4\u09bf\u09a6\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09a8\u09bf\u09ac\u09c7\u09a6\u09bf\u09a4 \u099a\u09bf\u0995\u09bf\u09ce\u09b8\u09be, \u09b8\u09be\u09ae\u09be\u099c\u09bf\u0995 \u0993 \u0985\u09a8\u09cd\u09af\u09be\u09a8\u09cd\u09af \u09aa\u09b0\u09bf\u09b7\u09c7\u09ac\u09be<\/li>\n<\/ul>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\">\u098f\u0987 \u09ac\u09bf\u09b7\u09df\u099f\u09bf \u09ae\u09be\u09a5\u09be\u09df \u09b0\u09c7\u0996\u09c7, HCFM \u09ac\u09bf\u09ac\u09c7\u099a\u09a8\u09be\u09b0 \u099c\u09a8\u09cd\u09af \u09aa\u09cd\u09b0\u09df\u09cb\u099c\u09a8\u09c0\u09df \u09ae\u09c2\u09b2 \u09ac\u09bf\u09b7\u09df\u0997\u09c1\u09b2\u09cb\u09b0 \u098f\u0995\u099f\u09bf \u09a4\u09be\u09b2\u09bf\u0995\u09be \u09aa\u09cd\u09b0\u09a6\u09be\u09a8 \u0995\u09b0\u099b\u09c7\u0964<\/p>\n\n\n\n<ul class=\"wp-block-list animated fadeInUp delay-200ms slow\">\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">\u0985\u09ac\u09b8\u09b0-\u09aa\u09b0\u09ac\u09b0\u09cd\u09a4\u09c0 \u09b8\u09ae\u09df\u099f\u09be \u0986\u09aa\u09a8\u09bf \u0995\u09c0\u09ad\u09be\u09ac\u09c7 \u0995\u09be\u099f\u09be\u09a4\u09c7 \u099a\u09be\u09a8, \u09a4\u09be \u09a0\u09bf\u0995 \u0995\u09b0\u09c1\u09a8\u0964<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">\u0986\u09aa\u09a8\u09be\u09b0 \u0995\u09be\u0999\u09cd\u0995\u09cd\u09b7\u09bf\u09a4 \u099c\u09c0\u09ac\u09a8\u09af\u09be\u09a4\u09cd\u09b0\u09be\u09b0 \u099c\u09a8\u09cd\u09af \u0995\u09c7\u09ae\u09a8 \u0996\u09b0\u099a \u09b9\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7, \u09b8\u09c7 \u09b8\u09ae\u09cd\u09aa\u09b0\u09cd\u0995\u09c7 \u098f\u0995\u099f\u09bf \u09ad\u09be\u09b2\u09cb \u09a7\u09be\u09b0\u09a3\u09be \u09aa\u09be\u0993\u09df\u09be\u09b0 \u099a\u09c7\u09b7\u09cd\u099f\u09be \u0995\u09b0\u09c1\u09a8\u0964<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">\u09af\u09cc\u0995\u09cd\u09a4\u09bf\u0995\u09ad\u09be\u09ac\u09c7 \u09af\u09a4\u099f\u09be \u09b8\u09ae\u09cd\u09ad\u09ac \u09b8\u099e\u09cd\u099a\u09df \u0995\u09b0\u09c1\u09a8 \u098f\u09ac\u0982 \u09af\u09a5\u09be\u09af\u09a5\u09ad\u09be\u09ac\u09c7 \u09ac\u09bf\u09a8\u09bf\u09df\u09cb\u0997 \u0995\u09b0\u09c1\u09a8\u0964<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">\u0985\u09ac\u09b8\u09b0 \u099c\u09c0\u09ac\u09a8\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0\u09af\u09cb\u0997\u09cd\u09af \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b8\u09ae\u09cd\u09aa\u09a6\u09c7\u09b0 \u09b8\u09b0\u09cd\u09ac\u09cb\u099a\u09cd\u099a \u09b8\u09a6\u09cd\u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0 \u0995\u09b0\u09c1\u09a8\u0964<\/li>\n<\/ul>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-tertiary-color has-text-color has-link-color has-x-medium-font-size wp-elements-3 wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\">\u09a4\u09be\u09b2\u09bf\u0995\u09be\u09b0 \u09b6\u09c7\u09b7\u09c7 \u09eb \u09a8\u09ae\u09cd\u09ac\u09b0\u099f\u09bf \u09a6\u09c7\u0996\u09c7 \u09a8\u09bf\u09a4\u09c7 \u09ad\u09c1\u09b2\u09ac\u09c7\u09a8 \u09a8\u09be!<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-b8487f01 wp-block-group-is-layout-constrained\" style=\"margin-top:0px;margin-bottom:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1.5rem;padding-left:0rem\"><div class=\"wp-block-hcfm-faq-block\">\n    <div class=\"accordion shadow\">\n                        <div class=\"accordion-item\">\n                    <h3 class=\"accordion-title\">Show more details<\/h3>\n                    <div class=\"accordion-content\">\n                        \n<p class=\"has-x-medium-font-size wp-block-paragraph\"><strong>1.&nbsp; <\/strong>\u0985\u09ac\u09b8\u09b0-\u09aa\u09b0\u09ac\u09b0\u09cd\u09a4\u09c0 \u099c\u09c0\u09ac\u09a8 \u0986\u09aa\u09a8\u09bf \u0995\u09c0\u09ad\u09be\u09ac\u09c7 \u0995\u09be\u099f\u09be\u09a4\u09c7 \u099a\u09be\u09a8, \u09a4\u09be \u0986\u0997\u09c7 \u09a5\u09c7\u0995\u09c7\u0987 \u09a0\u09bf\u0995 \u0995\u09b0\u09c7 \u09a8\u09bf\u09a8\u0964 \u0985\u09a8\u09c7\u0995\u09c7 \u09b9\u09df\u09a4\u09cb \u09ad\u09cd\u09b0\u09ae\u09a3, \u09aa\u09b0\u09bf\u09ac\u09be\u09b0 \u0993 \u09ac\u09a8\u09cd\u09a7\u09c1\u09a6\u09c7\u09b0 \u09b8\u09be\u09a5\u09c7 \u09b8\u09ae\u09df \u0995\u09be\u099f\u09be\u09a8\u09cb, \u09b8\u09cd\u09ac\u09c7\u099a\u09cd\u099b\u09be\u09b8\u09c7\u09ac\u09c0 \u0995\u09be\u099c\u09c7 \u0985\u0982\u09b6\u0997\u09cd\u09b0\u09b9\u09a3 \u0995\u09bf\u0982\u09ac\u09be \u09b6\u0996 \u0993 \u0985\u09ac\u09b8\u09b0\u0995\u09be\u09b2\u09c0\u09a8 \u0995\u09b0\u09cd\u09ae\u0995\u09be\u09a3\u09cd\u09a1\u09c7 \u09ae\u09a8\u09cb\u09af\u09cb\u0997 \u09a6\u09c7\u09a8; \u09a4\u09ac\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u0986\u0997\u09cd\u09b0\u09b9 \u0993 \u09aa\u099b\u09a8\u09cd\u09a6\u09c7\u09b0 \u09ac\u09bf\u09b7\u09df\u0997\u09c1\u09b2\u09cb\u09b0 \u09b8\u09ae\u09a8\u09cd\u09ac\u09df\u09c7 \u09a8\u09bf\u099c\u09c7\u09b0 \u09ae\u09a4\u09cb \u0995\u09b0\u09c7 \u099c\u09c0\u09ac\u09a8 \u09b8\u09be\u099c\u09bf\u09df\u09c7 \u09a8\u09bf\u09a4\u09c7 \u0986\u09aa\u09a8\u09bf \u09b8\u09ae\u09cd\u09aa\u09c2\u09b0\u09cd\u09a3 \u09b8\u09cd\u09ac\u09be\u09a7\u09c0\u09a8\u0964 \u09b6\u09c1\u09a7\u09c1 \u09ae\u09a8\u09c7 \u09b0\u09be\u0996\u09ac\u09c7\u09a8, \u09ac\u09df\u09b8 \u09ac\u09be\u09dc\u09be\u09b0 \u09b8\u09be\u09a5\u09c7 \u09b8\u09be\u09a5\u09c7 \u0985\u09ac\u09b8\u09b0\u09c7\u09b0 \u09ac\u09bf\u09ad\u09bf\u09a8\u09cd\u09a8 \u09aa\u09b0\u09cd\u09af\u09be\u09df \u0986\u09b8\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7; \u09a4\u09be\u0987 \u09a8\u09a4\u09c1\u09a8 \u0995\u09cb\u09a8\u09cb \u09ac\u09bf\u09b7\u09df\u09c7\u09b0 \u09aa\u09cd\u09b0\u09a4\u09bf \u0986\u0997\u09cd\u09b0\u09b9 \u0997\u09dc\u09c7 \u09a4\u09cb\u09b2\u09be\u09b0 \u09aa\u09be\u09b6\u09be\u09aa\u09be\u09b6\u09bf \u09b8\u09cd\u09ac\u09be\u09b8\u09cd\u09a5\u09cd\u09af \u0993 \u099a\u09b2\u09be\u09ab\u09c7\u09b0\u09be\u09b0 \u09b8\u0995\u09cd\u09b7\u09ae\u09a4\u09be\u09df \u09ad\u09ac\u09bf\u09b7\u09cd\u09af\u09a4\u09c7 \u0995\u09cb\u09a8\u09cb \u09aa\u09b0\u09bf\u09ac\u09b0\u09cd\u09a4\u09a8 \u098f\u09b2\u09c7 \u09a4\u09be\u09b0 \u09b8\u09be\u09a5\u09c7 \u09ae\u09be\u09a8\u09bf\u09df\u09c7 \u09a8\u09c7\u0993\u09df\u09be\u09b0 \u09ac\u09bf\u09b7\u09df\u099f\u09bf\u0993 \u09ac\u09bf\u09ac\u09c7\u099a\u09a8\u09be\u09df \u09b0\u09be\u0996\u09ac\u09c7\u09a8\u0964<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\"><strong>2.&nbsp; <\/strong>\u0986\u09aa\u09a8\u09be\u09b0 \u0995\u09be\u0999\u09cd\u0995\u09cd\u09b7\u09bf\u09a4 \u099c\u09c0\u09ac\u09a8\u09af\u09be\u09a4\u09cd\u09b0\u09be\u09b0 \u099c\u09a8\u09cd\u09af \u0995\u09c7\u09ae\u09a8 \u0996\u09b0\u099a \u09b9\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7, \u09b8\u09c7 \u09b8\u09ae\u09cd\u09aa\u09b0\u09cd\u0995\u09c7 \u098f\u0995\u099f\u09bf \u09b8\u09cd\u09ac\u099a\u09cd\u099b \u09a7\u09be\u09b0\u09a3\u09be \u0997\u09dc\u09c7 \u09a4\u09cb\u09b2\u09be\u09b0 \u099a\u09c7\u09b7\u09cd\u099f\u09be \u0995\u09b0\u09c1\u09a8\u0964 \u098f\u0987 \u0996\u09b0\u099a\u09c7\u09b0 \u09ac\u09bf\u09b7\u09df\u099f\u09bf \u09ae\u09c2\u09b2\u09a4 \u09a8\u09bf\u09b0\u09cd\u09ad\u09b0 \u0995\u09b0\u09ac\u09c7 \u0986\u09aa\u09a8\u09bf \u0995\u09c0 \u09a7\u09b0\u09a8\u09c7\u09b0 \u099c\u09c0\u09ac\u09a8\u09af\u09be\u09aa\u09a8 \u0995\u09b0\u09a4\u09c7 \u099a\u09be\u09a8 \u098f\u09ac\u0982 \u0995\u09cb\u09a5\u09be\u09df \u09ac\u09b8\u09ac\u09be\u09b8 \u0995\u09b0\u09ac\u09c7\u09a8\u2014\u09a4\u09be\u09b0 \u0993\u09aa\u09b0; \u0985\u09b0\u09cd\u09a5\u09be\u09ce \u09a6\u09c7\u09b6\u09c7\u09b0 (\u09ac\u09be \u09ac\u09bf\u09b6\u09cd\u09ac\u09c7\u09b0) \u0995\u09cb\u09a8 \u0985\u099e\u09cd\u099a\u09b2\u09c7 \u0986\u09aa\u09a8\u09bf \u09b8\u09cd\u09a5\u09be\u09df\u09c0 \u09b9\u09a4\u09c7 \u099a\u09be\u09a8 \u098f\u09ac\u0982 \u0986\u09aa\u09a8\u09be\u09b0 \u09ac\u09be\u09b8\u09b8\u09cd\u09a5\u09be\u09a8\u099f\u09bf \u0995\u09c7\u09ae\u09a8 \u09b9\u09ac\u09c7, \u09a4\u09be\u09b0 \u0993\u09aa\u09b0\u0964 \u09aa\u09be\u09b6\u09be\u09aa\u09be\u09b6\u09bf \u098f\u099f\u09bf\u0993 \u09ae\u09a8\u09c7 \u09b0\u09be\u0996\u09ac\u09c7\u09a8 \u09af\u09c7, \u0985\u09ac\u09b8\u09b0 \u099c\u09c0\u09ac\u09a8\u09c7\u09b0 \u09aa\u09c1\u09b0\u09cb \u09b8\u09ae\u09df\u099f\u09be\u09a4\u09c7\u0987 \u0986\u09aa\u09a8\u09be\u0995\u09c7 \u09b9\u09df\u09a4\u09cb \u098f\u0995\u0987 \u099c\u09be\u09df\u0997\u09be\u09df \u09a5\u09be\u0995\u09a4\u09c7 \u09b9\u09ac\u09c7 \u09a8\u09be\u0964 \u098f\u099b\u09be\u09dc\u09be, \u09ac\u09b0\u09cd\u09a4\u09ae\u09be\u09a8\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u099c\u09c0\u09ac\u09a8\u09af\u09be\u09a4\u09cd\u09b0\u09be\u09b0 \u09af\u09c7\u09b8\u09ac \u09ac\u09bf\u09b7\u09df \u09ac\u09be \u0996\u09b0\u099a\u09c7\u09b0 \u0996\u09be\u09a4 \u09b0\u09df\u09c7\u099b\u09c7\u2014\u09af\u09c7\u09ae\u09a8 \u09ac\u09cd\u09af\u0995\u09cd\u09a4\u09bf\u0997\u09a4 \u0993 \u09b8\u09cd\u09ac\u09be\u09b8\u09cd\u09a5\u09cd\u09af\u09b8\u09c7\u09ac\u09be \u09b8\u0982\u0995\u09cd\u09b0\u09be\u09a8\u09cd\u09a4 \u09ac\u09cd\u09af\u09df (\u09ae\u09a8\u09c7 \u09b0\u09be\u0996\u09ac\u09c7\u09a8, \u09ae\u09c7\u09a1\u09bf\u0995\u09c7\u09df\u09be\u09b0 \u09b8\u09ac \u0996\u09b0\u099a \u09ac\u09b9\u09a8 \u0995\u09b0\u09ac\u09c7 \u09a8\u09be!), \u0996\u09be\u09ac\u09be\u09b0, \u09aa\u09cb\u09b6\u09be\u0995, \u09af\u09be\u09a4\u09be\u09df\u09be\u09a4, \u099c\u09b0\u09c1\u09b0\u09bf \u09aa\u09cd\u09b0\u09df\u09cb\u099c\u09a8 \u098f\u09ac\u0982 \u0986\u09ae\u09be\u09a6\u09c7\u09b0 \u09a8\u09bf\u09a4\u09cd\u09af\u09b8\u0999\u09cd\u0997\u09c0 \u2018\u09ae\u09c1\u09a6\u09cd\u09b0\u09be\u09b8\u09cd\u09ab\u09c0\u09a4\u09bf\u2019\u2014\u09b8\u09c7\u0997\u09c1\u09b2\u09cb\u09b0 \u099c\u09a8\u09cd\u09af\u0993 \u09ac\u09be\u099c\u09c7\u099f \u09ac\u09be \u0996\u09b0\u099a\u09c7\u09b0 \u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09a8\u09be \u0985\u09ac\u09cd\u09af\u09be\u09b9\u09a4 \u09b0\u09be\u0996\u09c1\u09a8\u0964<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\"><strong>3.&nbsp; <\/strong>\u0986\u09aa\u09a8\u09be\u09b0 \u09b8\u09be\u09a7\u09cd\u09af\u09ae\u09a4\u09cb \u09af\u09a5\u09be\u09b8\u09ae\u09cd\u09ad\u09ac \u09b8\u099e\u09cd\u099a\u09df \u0995\u09b0\u09c1\u09a8 \u098f\u09ac\u0982 \u0989\u09aa\u09af\u09c1\u0995\u09cd\u09a4 \u0996\u09be\u09a4\u09c7 \u09ac\u09bf\u09a8\u09bf\u09df\u09cb\u0997 \u0995\u09b0\u09c1\u09a8\u0964 \u098f\u0995\u09a5\u09be \u09b8\u09a4\u09cd\u09af \u09af\u09c7, \u09ac\u09bf\u09b6\u09c7\u09b7 \u0995\u09b0\u09c7 \u0985\u09ac\u09b8\u09b0 \u099c\u09c0\u09ac\u09a8\u09c7 \u09af\u09a6\u09bf \u0986\u09aa\u09a8\u09bf \u09b8\u09be\u09a7\u09be\u09b0\u09a3 \u099c\u09c0\u09ac\u09a8\u09af\u09be\u09aa\u09a8\u09c7\u09b0 \u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09a8\u09be \u0995\u09b0\u09c7 \u09a5\u09be\u0995\u09c7\u09a8, \u09a4\u09ac\u09c7 \u09aa\u09cd\u09b0\u09df\u09cb\u099c\u09a8\u09c7\u09b0 \u0985\u09a4\u09bf\u09b0\u09bf\u0995\u09cd\u09a4 \u09b8\u099e\u09cd\u099a\u09df \u0995\u09b0\u09c7 \u09ab\u09c7\u09b2\u09be\u09b0 (\u09ac\u09be \u2018\u0993\u09ad\u09be\u09b0-\u09b8\u09c7\u09ad\u09bf\u0982\u2019-\u098f\u09b0) \u098f\u0995\u099f\u09bf \u09b8\u09ae\u09cd\u09ad\u09be\u09ac\u09a8\u09be \u09a5\u09c7\u0995\u09c7\u0987 \u09af\u09be\u09df\u0964 \u09a4\u09be \u09b8\u09a4\u09cd\u09a4\u09cd\u09ac\u09c7\u0993, \u0995\u09be\u0999\u09cd\u0995\u09cd\u09b7\u09bf\u09a4 \u099c\u09c0\u09ac\u09a8\u09af\u09be\u09a4\u09cd\u09b0\u09be\u09b0 \u099c\u09a8\u09cd\u09af 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class=\"wp-block-paragraph\"><strong>\u09a1\u09bf\u09ab\u09be\u0987\u09a8\u09cd\u09a1-\u09ac\u09c7\u09a8\u09bf\u09ab\u09bf\u099f \u09aa\u09c7\u09a8\u09b6\u09a8 (Defined-benefit pensions)<\/strong> \u2013 \u098f\u0997\u09c1\u09b2\u09cb \u09b9\u09b2\u09cb \u09aa\u09cd\u09b0\u09a5\u09be\u0997\u09a4 \u09aa\u09c7\u09a8\u09b6\u09a8 \u09ac\u09cd\u09af\u09ac\u09b8\u09cd\u09a5\u09be\u0964 \u09af\u09a6\u09bf\u0993 \u09ac\u09b0\u09cd\u09a4\u09ae\u09be\u09a8\u09c7 \u0996\u09c1\u09ac \u0995\u09ae \u09b8\u0982\u0996\u09cd\u09af\u0995 \u0995\u09b0\u09cd\u09ae\u09c0\u0987 \u098f\u0987 \u09b8\u09c1\u09ac\u09bf\u09a7\u09be\u099f\u09bf \u09aa\u09c7\u09df\u09c7 \u09a5\u09be\u0995\u09c7\u09a8, \u09a4\u09ac\u09c1\u0993 \u098f\u099f\u09bf \u0985\u09a4\u09cd\u09af\u09a8\u09cd\u09a4 \u09ae\u09c2\u09b2\u09cd\u09af\u09ac\u09be\u09a8; \u0995\u09be\u09b0\u09a3 \u098f\u09b0 \u09b8\u09ae\u09cd\u09aa\u09c2\u09b0\u09cd\u09a3 \u0996\u09b0\u099a \u09a8\u09bf\u09df\u09cb\u0997\u0995\u09b0\u09cd\u09a4\u09be \u09ac\u09b9\u09a8 \u0995\u09b0\u09c7\u09a8 \u098f\u09ac\u0982 \u09aa\u09cd\u09b0\u09be\u09aa\u09cd\u09a4 \u0985\u09b0\u09cd\u09a5 \u09b8\u09be\u09a7\u09be\u09b0\u09a3\u09a4 \u0985\u09a4\u09cd\u09af\u09a8\u09cd\u09a4 \u09a8\u09bf\u09b0\u09cd\u09ad\u09b0\u09af\u09cb\u0997\u09cd\u09af \u09b9\u09df\u0964 \u098f\u0987 \u09aa\u09c7\u09a8\u09b6\u09a8 \u09a5\u09c7\u0995\u09c7 \u09aa\u09cd\u09b0\u09be\u09aa\u09cd\u09a4 \u0985\u09b0\u09cd\u09a5 \u09b8\u09be\u09a7\u09be\u09b0\u09a3 \u0986\u09df \u09b9\u09bf\u09b8\u09c7\u09ac\u09c7 \u0997\u09a3\u09cd\u09af \u09b9\u09df \u098f\u09ac\u0982 \u098f\u09b0 \u0993\u09aa\u09b0 \u09b8\u09ae\u09cd\u09aa\u09c2\u09b0\u09cd\u09a3 \u0995\u09b0 \u09aa\u09cd\u09b0\u09af\u09cb\u099c\u09cd\u09af\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u09a1\u09bf\u09ab\u09be\u0987\u09a8\u09cd\u09a1-\u0995\u09a8\u09cd\u099f\u09cd\u09b0\u09bf\u09ac\u09bf\u0989\u09b6\u09a8 \u09aa\u09cd\u09b2\u09cd\u09af\u09be\u09a8 (Defined-contribution plans)<\/strong> \u2013 \u098f\u0987 \u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09a8\u09be\u0997\u09c1\u09b2\u09cb \u09a8\u09bf\u09df\u09cb\u0997\u0995\u09b0\u09cd\u09a4\u09be \u0995\u09b0\u09cd\u09a4\u09c3\u0995 \u09aa\u09b0\u09bf\u099a\u09be\u09b2\u09bf\u09a4 \u09b9\u09df \u098f\u09ac\u0982 \u09b8\u09be\u09a7\u09be\u09b0\u09a3\u09a4 &#8216;\u0995\u09cb\u09df\u09be\u09b2\u09bf\u09ab\u09be\u0987\u09a1 \u09b0\u09bf\u099f\u09be\u09df\u09be\u09b0\u09ae\u09c7\u09a8\u09cd\u099f \u09aa\u09cd\u09b2\u09cd\u09af\u09be\u09a8&#8217; (\u09af\u09c7\u09ae\u09a8\u2014401(k) \u0993 403(b) \u09aa\u09cd\u09b2\u09cd\u09af\u09be\u09a8) \u0985\u09a5\u09ac\u09be \u09a8\u09bf\u09b0\u09cd\u09a6\u09bf\u09b7\u09cd\u099f \u0995\u09bf\u099b\u09c1 \u0986\u0987\u0986\u09b0\u098f (IRA)-\u098f\u09b0 (\u09af\u09c7\u09ae\u09a8\u2014SEP \u0993 SIMPLE IRA) \u09b0\u09c2\u09aa \u09a8\u09c7\u09df\u0964 \u098f\u0987 \u09aa\u09cd\u09b2\u09cd\u09af\u09be\u09a8\u0997\u09c1\u09b2\u09cb\u09a4\u09c7 \u09aa\u09cd\u09b0\u09a4\u09bf \u09ac\u099b\u09b0 \u0995\u09a4 \u0985\u09b0\u09cd\u09a5 \u099c\u09ae\u09be \u0995\u09b0\u09be \u09af\u09be\u09ac\u09c7 \u09a4\u09be\u09b0 \u098f\u0995\u099f\u09bf \u09a8\u09bf\u09b0\u09cd\u09a6\u09bf\u09b7\u09cd\u099f \u09b8\u09c0\u09ae\u09be \u09a5\u09be\u0995\u09c7 \u098f\u09ac\u0982 \u098f\u09a4\u09c7 \u09b8\u09be\u09a7\u09be\u09b0\u09a3\u09a4 \u09a8\u09bf\u09df\u09cb\u0997\u0995\u09b0\u09cd\u09a4\u09be\u09b0 \u0985\u09ac\u09a6\u09be\u09a8 \u0993 \u0986\u09aa\u09a8\u09be\u09b0 \u09ac\u09c7\u09a4\u09a8 \u09ac\u09be \u09ae\u099c\u09c1\u09b0\u09bf\u09b0 \u0995\u09b0-\u09aa\u09c2\u09b0\u09cd\u09ac (pre-tax) \u0985\u0982\u09b6\u09c7\u09b0 \u09b8\u09ae\u09a8\u09cd\u09ac\u09df\u09c7 \u0985\u09b0\u09cd\u09a5 \u099c\u09ae\u09be \u0995\u09b0\u09be \u09b9\u09df\u0964 \u0985\u09cd\u09af\u09be\u0995\u09be\u0989\u09a8\u09cd\u099f\u09c7\u09b0 \u099c\u09ae\u09be \u0985\u09b0\u09cd\u09a5 \u0995\u09b0\u09ae\u09c1\u0995\u09cd\u09a4\u09ad\u09be\u09ac\u09c7 \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf \u09aa\u09be\u09df, \u09a4\u09ac\u09c7 \u09a4\u09be \u0989\u09a4\u09cd\u09a4\u09cb\u09b2\u09a8 \u09ac\u09be \u09ac\u09bf\u09a4\u09b0\u09a3 \u0995\u09b0\u09be\u09b0 \u09b8\u09ae\u09df \u09b8\u09be\u09a7\u09be\u09b0\u09a3 \u0986\u09df \u09b9\u09bf\u09b8\u09c7\u09ac\u09c7 \u09b8\u09ae\u09cd\u09aa\u09c2\u09b0\u09cd\u09a3 \u0995\u09b0 \u09a6\u09bf\u09a4\u09c7 \u09b9\u09df\u0964<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\"><strong>\u09aa\u09cd\u09b0\u09a5\u09be\u0997\u09a4 \u0986\u0987\u0986\u09b0\u098f (Traditional IRAs)<\/strong> \u2013 \u0986\u09aa\u09a8\u09be\u09b0 \u0986\u09df\u09c7\u09b0 \u09ae\u09be\u09a4\u09cd\u09b0\u09be\u09b0 \u0993\u09aa\u09b0 \u09ad\u09bf\u09a4\u09cd\u09a4\u09bf \u0995\u09b0\u09c7, \u09aa\u09cd\u09b0\u09a5\u09be\u0997\u09a4 \u0986\u0987\u0986\u09b0\u098f-\u09a4\u09c7 \u0986\u09aa\u09a8\u09be\u09b0 \u09a8\u09bf\u099c\u09b8\u09cd\u09ac \u0995\u09b0-\u09aa\u09c2\u09b0\u09cd\u09ac \u0985\u09b0\u09cd\u09a5 \u0985\u09a5\u09ac\u09be (\u09a4\u09c1\u09b2\u09a8\u09be\u09ae\u09c2\u09b2\u0995 \u0995\u09ae \u09aa\u09cd\u09b0\u099a\u09b2\u09bf\u09a4 \u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7) \u0995\u09b0-\u09aa\u09b0\u09ac\u09b0\u09cd\u09a4\u09c0 \u0985\u09b0\u09cd\u09a5 \u099c\u09ae\u09be \u0995\u09b0\u09be \u09af\u09c7\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964 \u098f\u099b\u09be\u09dc\u09be, \u09a8\u09bf\u09df\u09cb\u0997\u0995\u09b0\u09cd\u09a4\u09be-\u09aa\u09b0\u09bf\u099a\u09be\u09b2\u09bf\u09a4 \u09aa\u09cd\u09b2\u09cd\u09af\u09be\u09a8 (\u09af\u09c7\u09ae\u09a8\u2014401(k) \u09aa\u09cd\u09b2\u09cd\u09af\u09be\u09a8) \u09a5\u09c7\u0995\u09c7 \u0995\u09b0\u09ae\u09c1\u0995\u09cd\u09a4\u09ad\u09be\u09ac\u09c7 \u0985\u09b0\u09cd\u09a5 \u09b8\u09cd\u09a5\u09be\u09a8\u09be\u09a8\u09cd\u09a4\u09b0 \u09ac\u09be &#8216;\u09b0\u09cb\u09b2-\u0993\u09ad\u09be\u09b0&#8217; (rolled over) \u0995\u09b0\u09c7\u0993 \u09aa\u09cd\u09b0\u09a5\u09be\u0997\u09a4 \u0986\u0987\u0986\u09b0\u098f-\u09a4\u09c7 \u0985\u09b0\u09cd\u09a5 \u099c\u09ae\u09be \u0995\u09b0\u09be \u09b8\u09ae\u09cd\u09ad\u09ac\u0964 \u0985\u09cd\u09af\u09be\u0995\u09be\u0989\u09a8\u09cd\u099f\u09c7\u09b0 \u099c\u09ae\u09be \u0985\u09b0\u09cd\u09a5 \u0995\u09b0\u09ae\u09c1\u0995\u09cd\u09a4\u09ad\u09be\u09ac\u09c7 \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf \u09aa\u09be\u09df\u0964 \u09aa\u09cd\u09b0\u09a5\u09be\u0997\u09a4 \u0986\u0987\u0986\u09b0\u098f \u09a5\u09c7\u0995\u09c7 \u0985\u09b0\u09cd\u09a5 \u0989\u09a4\u09cd\u09a4\u09cb\u09b2\u09a8\u09c7\u09b0 \u09b8\u09ae\u09df, \u0986\u09aa\u09a8\u09be\u09b0 \u099c\u09ae\u09be \u0995\u09b0\u09be \u09ac\u09be \u09b0\u09cb\u09b2-\u0993\u09ad\u09be\u09b0 \u0995\u09b0\u09be \u0995\u09b0-\u09aa\u09c2\u09b0\u09cd\u09ac \u0985\u09b0\u09cd\u09a5\u09c7\u09b0 \u0985\u09a8\u09c1\u09aa\u09be\u09a4\u09c7 \u09b8\u09c7\u0987 \u0985\u09b0\u09cd\u09a5\u09c7\u09b0 \u0993\u09aa\u09b0 \u09b8\u09be\u09a7\u09be\u09b0\u09a3 \u0986\u09df \u09b9\u09bf\u09b8\u09c7\u09ac\u09c7 \u0995\u09b0 \u09aa\u09cd\u09b0\u09af\u09cb\u099c\u09cd\u09af \u09b9\u09ac\u09c7\u0964<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\">Roth IRA (\u09b0\u09a5 \u0986\u0987\u0986\u09b0\u098f) \u2013 \u098f\u0997\u09c1\u09b2\u09cb\u09a4\u09c7\u0993 \u0986\u09aa\u09a8\u09be\u09b0 \u09a8\u09bf\u099c\u09b8\u09cd\u09ac \u0985\u09b0\u09cd\u09a5\u2014\u09ac\u09bf\u09b6\u09c7\u09b7 \u0995\u09b0\u09c7 \u0995\u09b0-\u09aa\u09b0\u09ac\u09b0\u09cd\u09a4\u09c0 (after-tax) \u0985\u09b0\u09cd\u09a5\u2014\u099c\u09ae\u09be \u0995\u09b0\u09be \u09b9\u09df\u0964 \u098f\u09b0 \u0985\u09b0\u09cd\u09a5 \u09b9\u09b2\u09cb, \u09ac\u09bf\u09a8\u09bf\u09df\u09cb\u0997 \u09a5\u09c7\u0995\u09c7 \u0985\u09b0\u09cd\u099c\u09bf\u09a4 \u0986\u09df \u098f\u09ac\u0982 \u09aa\u09b0\u09ac\u09b0\u09cd\u09a4\u09c0\u09a4\u09c7 \u0989\u09a4\u09cd\u09a4\u09cb\u09b2\u09a8 \u0995\u09b0\u09be \u0985\u09b0\u09cd\u09a5\u2014\u0989\u09ad\u09df\u0987 \u0995\u09b0\u09ae\u09c1\u0995\u09cd\u09a4 \u09a5\u09be\u0995\u09c7\u0964 \u098f\u099b\u09be\u09dc\u09be, \u0985\u09cd\u09af\u09be\u0995\u09be\u0989\u09a8\u09cd\u099f\u09c7 \u09a5\u09be\u0995\u09be \u0985\u09b0\u09cd\u09a5 \u0995\u09b0\u09ae\u09c1\u0995\u09cd\u09a4\u09ad\u09be\u09ac\u09c7\u0987 \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf \u09aa\u09c7\u09a4\u09c7 \u09a5\u09be\u0995\u09c7\u0964 \u0989\u09b2\u09cd\u09b2\u09c7\u0996\u09cd\u09af: \u0995\u09bf\u099b\u09c1 \u09a8\u09bf\u09df\u09cb\u0997\u0995\u09b0\u09cd\u09a4\u09be Roth 401(k) \u09aa\u09cd\u09b2\u09cd\u09af\u09be\u09a8\u09c7\u09b0 \u09b8\u09c1\u09ac\u09bf\u09a7\u09be \u09a6\u09bf\u09df\u09c7 \u09a5\u09be\u0995\u09c7\u09a8, \u09af\u09a6\u09bf\u0993 \u098f\u0997\u09c1\u09b2\u09cb\u09b0 \u09aa\u09cd\u09b0\u099a\u09b2\u09a8 \u09a4\u09c1\u09b2\u09a8\u09be\u09ae\u09c2\u09b2\u0995\u09ad\u09be\u09ac\u09c7 \u0995\u09ae\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tax-deferred annuities (\u0995\u09b0-\u09b8\u09cd\u09a5\u0997\u09bf\u09a4 \u0985\u09cd\u09af\u09be\u09a8\u09c1\u0987\u099f\u09bf) \u2013 \u09a8\u09be\u09ae \u09a5\u09c7\u0995\u09c7\u0987 \u09ac\u09cb\u099d\u09be \u09af\u09be\u09df \u09af\u09c7, \u0995\u09b0-\u09aa\u09b0\u09ac\u09b0\u09cd\u09a4\u09c0 \u09a8\u09bf\u099c\u09b8\u09cd\u09ac \u0985\u09b0\u09cd\u09a5 \u09a6\u09bf\u09df\u09c7 \u098f\u0987 \u09aa\u09a3\u09cd\u09af\u0997\u09c1\u09b2\u09cb\u09a4\u09c7 \u09ac\u09bf\u09a8\u09bf\u09df\u09cb\u0997 \u0995\u09b0\u09b2\u09c7 \u09a4\u09be \u0995\u09b0\u09ae\u09c1\u0995\u09cd\u09a4\u09ad\u09be\u09ac\u09c7 \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf \u09aa\u09be\u09df\u0964 \u09a4\u09ac\u09c7 \u09ac\u09bf\u09a8\u09bf\u09df\u09cb\u0997\u0995\u09c3\u09a4 \u09ae\u09c2\u09b2 \u0985\u09b0\u09cd\u09a5\u09c7\u09b0 \u099a\u09c7\u09df\u09c7 \u0985\u09a4\u09bf\u09b0\u09bf\u0995\u09cd\u09a4 \u09af\u09c7 \u09ae\u09c2\u09b2\u09cd\u09af \u09ac\u09be \u09ae\u09c1\u09a8\u09be\u09ab\u09be \u0985\u09b0\u09cd\u099c\u09bf\u09a4 \u09b9\u09df, \u09a4\u09be \u0989\u09a4\u09cd\u09a4\u09cb\u09b2\u09a8\u09c7\u09b0 \u09b8\u09ae\u09df \u09b8\u09be\u09a7\u09be\u09b0\u09a3 \u0986\u09df \u09b9\u09bf\u09b8\u09c7\u09ac\u09c7 \u0995\u09b0\u09af\u09cb\u0997\u09cd\u09af \u09ac\u09b2\u09c7 \u0997\u09a3\u09cd\u09af \u09b9\u09df\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u09ac\u09cd\u09af\u0995\u09cd\u09a4\u09bf\u0997\u09a4 \u09ae\u09be\u09b2\u09bf\u0995\u09be\u09a8\u09be\u09a7\u09c0\u09a8 \u09b8\u099e\u09cd\u099a\u09df \u0993 \u09ac\u09bf\u09a8\u09bf\u09df\u09cb\u0997 \u0985\u09cd\u09af\u09be\u0995\u09be\u0989\u09a8\u09cd\u099f, \u09b8\u09be\u09b0\u09cd\u099f\u09bf\u09ab\u09bf\u0995\u09c7\u099f \u0985\u09ab \u09a1\u09bf\u09aa\u09cb\u099c\u09bf\u099f (CD) \u0987\u09a4\u09cd\u09af\u09be\u09a6\u09bf \u2013 \u098f\u0997\u09c1\u09b2\u09cb\u09a4\u09c7 \u0995\u09b0-\u09aa\u09b0\u09ac\u09b0\u09cd\u09a4\u09c0 \u0985\u09b0\u09cd\u09a5 \u099c\u09ae\u09be \u0995\u09b0\u09be \u09b9\u09df \u098f\u09ac\u0982 \u098f\u0996\u09be\u09a8 \u09a5\u09c7\u0995\u09c7 \u0985\u09b0\u09cd\u099c\u09bf\u09a4 \u0986\u09df \u0995\u09b0\u09af\u09cb\u0997\u09cd\u09af\u0964 \u098f\u0987 \u09ac\u09bf\u09a8\u09bf\u09df\u09cb\u0997\u0997\u09c1\u09b2\u09cb\u09b0 \u0995\u09cb\u09a8\u09cb \u0995\u09cb\u09a8\u09cb\u099f\u09bf \u09a5\u09c7\u0995\u09c7 &#8216;\u0995\u09cd\u09af\u09be\u09aa\u09bf\u099f\u09be\u09b2 \u0997\u09c7\u0987\u09a8&#8217; \u09ac\u09be \u09ae\u09c2\u09b2\u09a7\u09a8\u09c0 \u09ae\u09c1\u09a8\u09be\u09ab\u09be \u0985\u09b0\u09cd\u099c\u09bf\u09a4 \u09b9\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7; \u09b8\u09be\u09a7\u09be\u09b0\u09a3\u09a4 \u09b8\u09c1\u09a6 \u09ac\u09be \u0985\u09a8\u09cd\u09af\u09be\u09a8\u09cd\u09af \u09b8\u09be\u09a7\u09be\u09b0\u09a3 \u0986\u09df\u09c7\u09b0 \u09a4\u09c1\u09b2\u09a8\u09be\u09df \u098f\u0987 \u09a7\u09b0\u09a8\u09c7\u09b0 \u0986\u09df\u09c7\u09b0 \u0993\u09aa\u09b0 \u0995\u09b0\u09c7\u09b0 \u09b9\u09be\u09b0 \u09ac\u09be \u09a8\u09bf\u09df\u09ae \u0985\u09a8\u09c7\u0995 \u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7 \u09b8\u09c1\u09ac\u09bf\u09a7\u09be\u099c\u09a8\u0995 \u09b9\u09df\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0995\u09b0\u09cd\u09ae\u09b8\u0982\u09b8\u09cd\u09a5\u09be\u09a8 \u2013 \u0995\u09be\u09b0\u09cb \u0995\u09be\u09b0\u09cb \u0995\u09be\u099b\u09c7 &#8220;\u0985\u09ac\u09b8\u09b0&#8221; \u09ae\u09be\u09a8\u09c7\u0987 \u0995\u09be\u099c \u09aa\u09c1\u09b0\u09cb\u09aa\u09c1\u09b0\u09bf \u09ac\u09a8\u09cd\u09a7 \u0995\u09b0\u09be \u09a8\u09df, \u09ac\u09b0\u0982 \u0996\u09a3\u09cd\u09a1\u0995\u09be\u09b2\u09c0\u09a8 (part-time) \u09ad\u09bf\u09a4\u09cd\u09a4\u09bf\u09a4\u09c7 \u0986\u09b0\u0993 \u0995\u09bf\u099b\u09c1\u09a6\u09bf\u09a8 \u0995\u09be\u099c \u099a\u09be\u09b2\u09bf\u09df\u09c7 \u09af\u09be\u0993\u09df\u09be\u0964 \u098f\u0995\u0987\u09ad\u09be\u09ac\u09c7, \u0986\u09b0\u0993 \u098f\u0995 \u09ac\u09be \u09a6\u09c1\u0987 \u09ac\u099b\u09b0 \u09aa\u09c2\u09b0\u09cd\u09a3\u0995\u09be\u09b2\u09c0\u09a8 \u0995\u09be\u099c \u0995\u09b0\u09b2\u09c7 \u0985\u09a4\u09bf\u09b0\u09bf\u0995\u09cd\u09a4 \u09b8\u09ae\u09cd\u09aa\u09a6 \u0997\u09dc\u09c7 \u09a4\u09cb\u09b2\u09be \u09b8\u09ae\u09cd\u09ad\u09ac \u09b9\u09df, \u09af\u09be \u0989\u09aa\u09b0\u09c7 \u0989\u09b2\u09cd\u09b2\u09bf\u0996\u09bf\u09a4 \u098f\u0995 \u09ac\u09be \u098f\u0995\u09be\u09a7\u09bf\u0995 \u0989\u09aa\u09be\u09df\u09c7\u09b0 \u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7 \u0995\u09be\u099c\u09c7 \u09b2\u09be\u0997\u09be\u09a8\u09cb \u09af\u09c7\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u09b8\u09be\u09ae\u09be\u099c\u09bf\u0995 \u09a8\u09bf\u09b0\u09be\u09aa\u09a4\u09cd\u09a4\u09be \u09b8\u09c1\u09ac\u09bf\u09a7\u09be (Social security benefits) \u2013 \u09b8\u09be\u09ae\u09be\u099c\u09bf\u0995 \u09a8\u09bf\u09b0\u09be\u09aa\u09a4\u09cd\u09a4\u09be \u09ac\u09cd\u09af\u09ac\u09b8\u09cd\u09a5\u09be\u09b0 \u09a6\u09c0\u09b0\u09cd\u0998\u09ae\u09c7\u09df\u09be\u09a6\u09c0 \u09b8\u09cd\u09a5\u09be\u09df\u09bf\u09a4\u09cd\u09ac \u098f\u09ac\u0982 \u09aa\u09cd\u09b0\u09be\u09aa\u09cd\u09a4\u09ac\u09cd\u09af \u09b8\u09c1\u09ac\u09bf\u09a7\u09be\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a3 \u09a8\u09bf\u09df\u09c7 \u09a8\u09be\u09a8\u09be \u0989\u09a6\u09cd\u09ac\u09c7\u0997 \u09a5\u09be\u0995\u09be \u09b8\u09a4\u09cd\u09a4\u09cd\u09ac\u09c7\u0993, \u0985\u09ac\u09b8\u09b0\u09c7\u09b0 \u09b8\u09ae\u09df \u09a8\u0997\u09a6 \u0985\u09b0\u09cd\u09a5 \u09aa\u09cd\u09b0\u09be\u09aa\u09cd\u09a4\u09bf\u09b0 \u098f\u0987 \u0985\u09a4\u09cd\u09af\u09a8\u09cd\u09a4 \u09aa\u09cd\u09b0\u099a\u09b2\u09bf\u09a4 \u0989\u09ce\u09b8\u099f\u09bf\u0995\u09c7 \u0985\u09ac\u09b6\u09cd\u09af\u0987 \u09ac\u09bf\u09ac\u09c7\u099a\u09a8\u09be\u09df \u09b0\u09be\u0996\u09be \u09aa\u09cd\u09b0\u09df\u09cb\u099c\u09a8\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0985-\u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b8\u09ae\u09cd\u09aa\u09a6 (Non-financial assets) \u2013 \u09af\u09c7\u09b8\u09ac \u09ac\u09bf\u09b7\u09df \u0986\u09aa\u09a8\u09be\u09b0 \u0985\u09b0\u09cd\u09a5 \u09b8\u09be\u09b6\u09cd\u09b0\u09df \u0995\u09b0\u09c7, \u09b8\u09c7\u0997\u09c1\u09b2\u09cb \u09a8\u09bf\u09df\u09ae\u09bf\u09a4 \u0985\u09b0\u09cd\u09a5 \u09aa\u09cd\u09b0\u09be\u09aa\u09cd\u09a4\u09bf\u09b0 \u0989\u09ce\u09b8\u09c7\u09b0 \u09ae\u09a4\u09cb\u0987 \u09ae\u09c2\u09b2\u09cd\u09af\u09ac\u09be\u09a8 \u09b9\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u0964 \u098f\u09b0 \u0989\u09a6\u09be\u09b9\u09b0\u09a3 \u09b9\u09bf\u09b8\u09c7\u09ac\u09c7 \u09ac\u09b2\u09be \u09af\u09be\u09df\u2014\u09b8\u09c1\u09b8\u09cd\u09ac\u09be\u09b8\u09cd\u09a5\u09cd\u09af, \u09ac\u09bf\u099a\u0995\u09cd\u09b7\u09a3\u09a4\u09be\u09b0 \u09b8\u09be\u09a5\u09c7 \u0995\u09c7\u09a8\u09be\u0995\u09be\u099f\u09be \u0995\u09b0\u09be \u098f\u09ac\u0982 \u09aa\u09cd\u09b0\u09df\u09cb\u099c\u09a8\u09c7 \u09aa\u09be\u09b6\u09c7 \u09aa\u09be\u0993\u09df\u09be\u09b0 \u09ae\u09a4\u09cb \u0986\u09aa\u09a8\u099c\u09a8 \u09ac\u09be \u09aa\u09cd\u09b0\u09bf\u09df\u099c\u09a8\u09c7\u09b0 \u0989\u09aa\u09b8\u09cd\u09a5\u09bf\u09a4\u09bf\u0964<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\">\u0986\u09aa\u09a8\u09bf \u09af\u09c7 \u09aa\u09a6\u09cd\u09a7\u09a4\u09bf \u09ac\u09be \u0989\u09aa\u09be\u09df\u0997\u09c1\u09b2\u09cb\u09b0 \u09b8\u09ae\u09a8\u09cd\u09ac\u09df\u0987 \u09ac\u09c7\u099b\u09c7 \u09a8\u09bf\u09a8 \u09a8\u09be \u0995\u09c7\u09a8, \u09a6\u0995\u09cd\u09b7 \u09aa\u09c7\u09b6\u09be\u09a6\u09be\u09b0 \u09aa\u09b0\u09be\u09ae\u09b0\u09cd\u09b6 \u09a8\u09c7\u0993\u09df\u09be \u0985\u09a4\u09cd\u09af\u09a8\u09cd\u09a4 \u099c\u09b0\u09c1\u09b0\u09bf; \u0995\u09be\u09b0\u09a3 \u0995\u09b0 \u09b8\u0982\u0995\u09cd\u09b0\u09be\u09a8\u09cd\u09a4 \u09a8\u09bf\u09df\u09ae\u0995\u09be\u09a8\u09c1\u09a8 \u09ac\u09c7\u09b6 \u099c\u099f\u09bf\u09b2 \u0993 \u09aa\u09b0\u09bf\u09ac\u09b0\u09cd\u09a4\u09a8\u09b6\u09c0\u09b2 \u09b9\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7 \u098f\u09ac\u0982 \u09ac\u09bf\u09a8\u09bf\u09df\u09cb\u0997\u09c7\u09b0 \u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7\u0993 \u0989\u09b2\u09cd\u09b2\u09c7\u0996\u09af\u09cb\u0997\u09cd\u09af \u099a\u09cd\u09af\u09be\u09b2\u09c7\u099e\u09cd\u099c \u09a5\u09be\u0995\u09c7\u0964 \u0989\u09a6\u09be\u09b9\u09b0\u09a3\u09b8\u09cd\u09ac\u09b0\u09c2\u09aa\u2014\u0995\u0996\u09a8 \u09a5\u09c7\u0995\u09c7 \u09b8\u09be\u09ae\u09be\u099c\u09bf\u0995 \u09a8\u09bf\u09b0\u09be\u09aa\u09a4\u09cd\u09a4\u09be \u09b8\u09c1\u09ac\u09bf\u09a7\u09be \u09a8\u09c7\u0993\u09df\u09be \u09b6\u09c1\u09b0\u09c1 \u0995\u09b0\u09ac\u09c7\u09a8 \u0995\u09bf\u0982\u09ac\u09be \u0985\u09ac\u09b8\u09b0\u0995\u09be\u09b2\u09c0\u09a8 \u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09a8\u09be\u09b0 \u09b8\u09ae\u09cd\u09aa\u09a6 IRA-\u09a4\u09c7 \u09b8\u09cd\u09a5\u09be\u09a8\u09be\u09a8\u09cd\u09a4\u09b0 \u0995\u09b0\u09ac\u09c7\u09a8 \u0995\u09bf \u09a8\u09be\u2014\u098f\u09b8\u09ac \u09b8\u09bf\u09a6\u09cd\u09a7\u09be\u09a8\u09cd\u09a4\u09c7\u09b0 \u099c\u09a8\u09cd\u09af \u09b8\u09a4\u09b0\u09cd\u0995 \u0993 \u09b8\u09c1\u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09bf\u09a4 \u09aa\u09a6\u0995\u09cd\u09b7\u09c7\u09aa \u09aa\u09cd\u09b0\u09df\u09cb\u099c\u09a8\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">5. HCFM-\u0995\u09c7 \u09b8\u09b9\u09be\u09df\u09a4\u09be \u0995\u09b0\u09be\u09b0 \u098f\u09ae\u09a8 \u0989\u09aa\u09be\u09df\u0997\u09c1\u09b2\u09cb \u0989\u09aa\u09c7\u0995\u09cd\u09b7\u09be \u0995\u09b0\u09ac\u09c7\u09a8 \u09a8\u09be \u09af\u09be \u0986\u09aa\u09a8\u09be\u09b0 \u0985\u09ac\u09b8\u09b0\u0995\u09be\u09b2\u09c0\u09a8 \u09a8\u0997\u09a6 \u0985\u09b0\u09cd\u09a5\u09c7\u09b0 \u09aa\u09cd\u09b0\u09ac\u09be\u09b9\u09c7\u09b0 (cash flow) \u09b8\u09be\u09a5\u09c7 \u09b8\u09ae\u09cd\u09aa\u09b0\u09cd\u0995\u09bf\u09a4\u0964<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0986\u09aa\u09a8\u09be\u09b0 \u09ac\u09df\u09b8 \u09af\u09a6\u09bf \u09ed\u09e6\u00bd \u09ac\u099b\u09b0 \u09ac\u09be \u09a4\u09be\u09b0 \u09ac\u09c7\u09b6\u09bf \u09b9\u09df, \u09a4\u09ac\u09c7 \u0986\u09aa\u09a8\u09bf \u0986\u09aa\u09a8\u09be\u09b0 &#8216;\u099f\u09cd\u09b0\u09cd\u09af\u09be\u09a1\u09bf\u09b6\u09a8\u09be\u09b2&#8217; (Traditional) \u09ac\u09be &#8216;\u09b0\u09a5&#8217; (Roth) IRA \u09a5\u09c7\u0995\u09c7 \u09b8\u09b0\u09be\u09b8\u09b0\u09bf HCFM-\u0995\u09c7 &#8216;\u0995\u09cb\u09df\u09be\u09b2\u09bf\u09ab\u09be\u0987\u09a1 \u099a\u09cd\u09af\u09be\u09b0\u09bf\u099f\u09c7\u09ac\u09b2 \u09a1\u09bf\u09b8\u09cd\u099f\u09cd\u09b0\u09bf\u09ac\u09bf\u0989\u09b6\u09a8&#8217; (QCD)\u2014\u09af\u09be &#8216;\u099a\u09cd\u09af\u09be\u09b0\u09bf\u099f\u09c7\u09ac\u09b2 IRA \u09b0\u09cb\u09b2\u0993\u09ad\u09be\u09b0&#8217; \u09a8\u09be\u09ae\u09c7\u0993 \u09aa\u09b0\u09bf\u099a\u09bf\u09a4\u2014\u098f\u09b0 \u09ae\u09be\u09a7\u09cd\u09af\u09ae\u09c7 \u09e8\u09e6\u09e8\u09ec \u09b8\u09be\u09b2\u09c7 \u09b8\u09b0\u09cd\u09ac\u09cb\u099a\u09cd\u099a \u09e7,\u09e7\u09e7,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4 \u0985\u09a8\u09c1\u09a6\u09be\u09a8 \u09a6\u09bf\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u09a8; \u098f\u09ac\u0982 \u098f\u0987 \u0985\u09a8\u09c1\u09a6\u09be\u09a8\u09c7\u09b0 \u0985\u09b0\u09cd\u09a5 \u0986\u09aa\u09a8\u09be\u09b0 \u0986\u09df\u09c7\u09b0 \u0985\u09a8\u09cd\u09a4\u09b0\u09cd\u09ad\u09c1\u0995\u09cd\u09a4 \u09b9\u09bf\u09b8\u09c7\u09ac\u09c7 \u0997\u09a3\u09cd\u09af \u0995\u09b0\u09be \u09b9\u09ac\u09c7 \u09a8\u09be\u0964 \u09ac\u09df\u09b8 \u09ed\u09e9 \u09ac\u099b\u09b0 \u09ac\u09be \u09a4\u09be\u09b0 \u09ac\u09c7\u09b6\u09bf \u09b9\u09b2\u09c7, QCD-\u098f\u09b0 \u09ae\u09be\u09a7\u09cd\u09af\u09ae\u09c7 \u0986\u09aa\u09a8\u09bf \u0986\u09aa\u09a8\u09be\u09b0 \u09ac\u09be\u09b0\u09cd\u09b7\u09bf\u0995 \u09ac\u09be\u09a7\u09cd\u09af\u09a4\u09be\u09ae\u09c2\u09b2\u0995 \u09a8\u09cd\u09af\u09c2\u09a8\u09a4\u09ae \u0989\u09a4\u09cd\u09a4\u09cb\u09b2\u09a8 \u09ac\u09be \u09ac\u09bf\u09a4\u09b0\u09a3\u09c7\u09b0 (RMD) \u09b6\u09b0\u09cd\u09a4 \u09aa\u09c2\u09b0\u09a3 \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac\u09c7\u09a8 \u098f\u09ac\u0982 \u098f\u0995\u0987 \u09b8\u09be\u09a5\u09c7 HCFM-\u0995\u09c7 \u09e7,\u09e7\u09e7,\u09e6\u09e6\u09e6 \u09a1\u09b2\u09be\u09b0 \u09aa\u09b0\u09cd\u09af\u09a8\u09cd\u09a4 \u0995\u09b0\u09ae\u09c1\u0995\u09cd\u09a4 \u0985\u09a8\u09c1\u09a6\u09be\u09a8 \u09a6\u09bf\u09a4\u09c7 \u09aa\u09be\u09b0\u09ac\u09c7\u09a8\u0964 \u098f\u099b\u09be\u09dc\u09be, \u09eb\u09ef\u00bd \u09ac\u099b\u09b0\u09c7\u09b0 \u09ac\u09c7\u09b6\u09bf \u09ac\u09df\u09b8\u09c0 \u09ac\u09cd\u09af\u0995\u09cd\u09a4\u09bf\u09a6\u09c7\u09b0 \u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7 HCFM-\u0995\u09c7 \u09ac\u09b0\u09cd\u09a4\u09ae\u09be\u09a8 \u0985\u09a8\u09c1\u09a6\u09be\u09a8 \u09aa\u09cd\u09b0\u09a6\u09be\u09a8\u09c7\u09b0 \u099c\u09a8\u09cd\u09af IRA \u09ac\u09be \u0995\u09cb\u09a8\u09cb \u0985\u09a8\u09c1\u09ae\u09cb\u09a6\u09bf\u09a4 \u0985\u09ac\u09b8\u09b0\u0995\u09be\u09b2\u09c0\u09a8 \u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09a8\u09be\u09b0 (qualified retirement plan) \u09b8\u09ae\u09cd\u09aa\u09a6 \u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0 \u0995\u09b0\u09be\u099f\u09be \u0985\u09a8\u09c7\u0995 \u09b8\u09ae\u09df \u09b8\u09c1\u09ac\u09bf\u09a7\u09be\u099c\u09a8\u0995 \u09b9\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7, \u09af\u09a6\u09bf\u0993 \u098f\u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7 \u09b8\u09a4\u09b0\u09cd\u0995 \u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09a8\u09be\u09b0 \u09aa\u09cd\u09b0\u09df\u09cb\u099c\u09a8 \u09b0\u09df\u09c7\u099b\u09c7\u0964<\/p>\n\n\n\n<p class=\"has-x-medium-font-size wp-block-paragraph\">\u0985\u09ac\u09b6\u09c7\u09b7\u09c7, \u09af\u09c7\u09b9\u09c7\u09a4\u09c1 \u09a1\u09bf\u09ab\u09be\u0987\u09a8\u09cd\u09a1-\u0995\u09a8\u09cd\u099f\u09cd\u09b0\u09bf\u09ac\u09bf\u0989\u09b6\u09a8 \u09aa\u09cd\u09b2\u09cd\u09af\u09be\u09a8, \u099f\u09cd\u09af\u09be\u0995\u09cd\u09b8-\u09a1\u09bf\u09ab\u09be\u09b0\u09cd\u09a1 \u0985\u09cd\u09af\u09be\u09a8\u09c1\u0987\u099f\u09bf \u098f\u09ac\u0982 \u0985\u09a8\u09c7\u0995 \u0986\u0987\u0986\u09b0\u098f-\u098f\u09b0 \u09ae\u09a4\u09cb \u0985\u09ac\u09b8\u09b0\u0995\u09be\u09b2\u09c0\u09a8 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wp-container-core-group-is-layout-7a6d7e6e wp-block-group-is-layout-constrained\" style=\"border-top-left-radius:1.25rem;border-top-right-radius:1.25rem;border-bottom-left-radius:1.25rem;border-bottom-right-radius:1.25rem;margin-top:0px;margin-bottom:1.5rem;padding-top:1.25rem;padding-right:1.25rem;padding-bottom:1.25rem;padding-left:1.25rem\">\n<h2 class=\"wp-block-heading has-text-align-left animated fadeInUp slow has-base-color has-text-color has-link-color has-whitney-font-family has-x-medium-font-size is-heading-wave-line is-wave-line-width-100 is-wave-line-primary is-wave-align-left wp-elements-4\" style=\"padding-top:0rem;padding-right:0rem;padding-bottom:1.25rem;padding-left:0rem;font-style:normal;font-weight:600;text-transform:capitalize\">\u0986\u09ae\u09be\u09a6\u09c7\u09b0 \u09b8\u09be\u09a5\u09c7 \u0995\u09a5\u09be \u09ac\u09b2\u09c1\u09a8<\/h2>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-base-color has-text-color has-link-color has-x-medium-font-size wp-elements-5 wp-block-paragraph\"><a href=\"https:\/\/hcfm.org\/bn\/%e0%a6%aa%e0%a6%b0%e0%a6%95%e0%a6%b2%e0%a6%aa%e0%a6%a4-%e0%a6%a6%e0%a6%a8\/%e0%a6%86%e0%a6%ae%e0%a6%be%e0%a6%a6%e0%a7%87%e0%a6%b0-%e0%a6%b8%e0%a6%be%e0%a6%a5%e0%a7%87-%e0%a6%af%e0%a7%8b%e0%a6%97%e0%a6%be%e0%a6%af%e0%a7%8b%e0%a6%97-%e0%a6%95%e0%a6%b0%e0%a7%81%e0%a6%a8\/\" data-type=\"link\" data-id=\"https:\/\/hcfm.org\/bn\/%e0%a6%aa%e0%a6%b0%e0%a6%95%e0%a6%b2%e0%a6%aa%e0%a6%a4-%e0%a6%a6%e0%a6%a8\/%e0%a6%86%e0%a6%ae%e0%a6%be%e0%a6%a6%e0%a7%87%e0%a6%b0-%e0%a6%b8%e0%a6%be%e0%a6%a5%e0%a7%87-%e0%a6%af%e0%a7%8b%e0%a6%97%e0%a6%be%e0%a6%af%e0%a7%8b%e0%a6%97-%e0%a6%95%e0%a6%b0%e0%a7%81%e0%a6%a8\/\">\u0989\u09a8\u09cd\u09a8\u09df\u09a8 \u09ac\u09bf\u09b7\u09df\u0995 \u0995\u09be\u09b0\u09cd\u09af\u09be\u09b2\u09df \u00bb<\/a><\/p>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-base-color has-text-color has-link-color has-x-medium-font-size wp-elements-6 wp-block-paragraph\"><a href=\"tel:508-238-4095\" type=\"tel\" id=\"tel:508-238-4095\">\u09eb\u09e6\u09ee-\u09e8\u09e9\u09ee-\u09ea\u09e6\u09ef\u09eb \u09a8\u09ae\u09cd\u09ac\u09b0\u09c7 \u0995\u09b2 \u0995\u09b0\u09c1\u09a8\u0964<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top columns-layout__left-col has-primary-to-secondary-gradient-background has-background is-layout-flow wp-container-core-column-is-layout-b9178209 wp-block-column-is-layout-flow\" style=\"border-radius:1.25rem;padding-top:1.5rem;padding-right:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;flex-basis:30%\">\n<div class=\"wp-block-buttons animated fadeInUp delay-100ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/bn\/%e0%a6%aa%e0%a6%b0%e0%a6%95%e0%a6%b2%e0%a6%aa%e0%a6%a4-%e0%a6%a6%e0%a6%a8\/\">\u0989\u09a8\u09cd\u09a8\u09af\u09bc\u09a8<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp delay-100ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/bn\/%e0%a6%aa%e0%a6%b0%e0%a6%95%e0%a6%b2%e0%a6%aa%e0%a6%a4-%e0%a6%a6%e0%a6%a8\/%e0%a6%95%e0%a6%a8-%e0%a6%a6%e0%a6%a8-%e0%a6%95%e0%a6%b0%e0%a6%ac%e0%a6%a8\/https:\/\/hcfm.org\/bn\/%e0%a6%aa%e0%a6%b0%e0%a6%95%e0%a6%b2%e0%a6%aa%e0%a6%a4-%e0%a6%a6%e0%a6%a8\/%e0%a6%95%e0%a6%a8-%e0%a6%a6%e0%a6%a8-%e0%a6%95%e0%a6%b0%e0%a6%ac%e0%a6%a8\/\">\u0995\u09c7\u09a8 \u09a6\u09be\u09a8 \u0995\u09b0\u09ac\u09c7\u09a8?<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp delay-200ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/bn\/%e0%a6%aa%e0%a6%b0%e0%a6%95%e0%a6%b2%e0%a6%aa%e0%a6%a4-%e0%a6%a6%e0%a6%a8\/%e0%a6%86%e0%a6%aa%e0%a6%a8%e0%a6%be%e0%a6%b0-%e0%a6%89%e0%a6%a4%e0%a7%8d%e0%a6%a4%e0%a6%b0%e0%a6%be%e0%a6%a7%e0%a6%bf%e0%a6%95%e0%a6%be%e0%a6%b0-%e0%a6%aa%e0%a6%b0%e0%a6%bf%e0%a6%95%e0%a6%b2%e0%a7%8d\/\">\u0986\u09aa\u09a8\u09be\u09b0 \u0989\u09a4\u09cd\u09a4\u09b0\u09be\u09a7\u09bf\u0995\u09be\u09b0 \u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09a8\u09be \u0995\u09b0\u09c1\u09a8<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp delay-200ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem;padding-left:1.13rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/bn\/%e0%a6%aa%e0%a6%b0%e0%a6%95%e0%a6%b2%e0%a6%aa%e0%a6%a4-%e0%a6%a6%e0%a6%a8\/%e0%a6%86%e0%a6%aa%e0%a6%a8%e0%a6%be%e0%a6%b0-%e0%a6%89%e0%a6%a4%e0%a7%8d%e0%a6%a4%e0%a6%b0%e0%a6%be%e0%a6%a7%e0%a6%bf%e0%a6%95%e0%a6%be%e0%a6%b0-%e0%a6%aa%e0%a6%b0%e0%a6%bf%e0%a6%95%e0%a6%b2%e0%a7%8d\/%e0%a6%b8%e0%a6%ae%e0%a7%8d%e0%a6%aa%e0%a6%a6-%e0%a6%aa%e0%a6%b0%e0%a6%bf%e0%a6%95%e0%a6%b2%e0%a7%8d%e0%a6%aa%e0%a6%a8%e0%a6%be%e0%a6%b0-%e0%a6%b8%e0%a6%be%e0%a6%b0%e0%a6%b8%e0%a6%82%e0%a6%95%e0%a7%8d\/\">\u0989\u09a4\u09cd\u09a4\u09b0\u09be\u09a7\u09bf\u0995\u09be\u09b0 \u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09a8\u09be\u09b0 \u09b8\u0982\u0995\u09cd\u09b7\u09bf\u09aa\u09cd\u09a4 \u09ac\u09bf\u09ac\u09b0\u09a3<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp delay-200ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem;padding-left:1.13rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/bn\/%e0%a6%aa%e0%a6%b0%e0%a6%95%e0%a6%b2%e0%a6%aa%e0%a6%a4-%e0%a6%a6%e0%a6%a8\/%e0%a6%86%e0%a6%aa%e0%a6%a8%e0%a6%be%e0%a6%b0-%e0%a6%89%e0%a6%a4%e0%a7%8d%e0%a6%a4%e0%a6%b0%e0%a6%be%e0%a6%a7%e0%a6%bf%e0%a6%95%e0%a6%be%e0%a6%b0-%e0%a6%aa%e0%a6%b0%e0%a6%bf%e0%a6%95%e0%a6%b2%e0%a7%8d\/%e0%a6%85%e0%a6%ac%e0%a6%b8%e0%a6%b0-%e0%a6%aa%e0%a6%b0%e0%a6%bf%e0%a6%95%e0%a6%b2%e0%a7%8d%e0%a6%aa%e0%a6%a8%e0%a6%be%e0%a6%b0-%e0%a6%9f%e0%a6%bf%e0%a6%aa%e0%a6%b8\/\">\u09aa\u09c7\u09a8\u09b6\u09a8 \u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09a8\u09be\u09b0 \u099f\u09bf\u09aa\u09b8<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp delay-200ms slow is-layout-flex wp-block-buttons-is-layout-flex\" 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\u099c\u09a8\u09cd\u09af \u0995\u0996\u09a8\u09cb\u0987 \u0996\u09c1\u09ac \u09a4\u09be\u09dc\u09be\u09a4\u09be\u09dc\u09bf \u09ac\u09be \u0996\u09c1\u09ac \u09a6\u09c7\u09b0\u09bf \u09b9\u09df\u09c7 \u09af\u09be\u09df \u09a8\u09be\u0964 \u098f\u0995\u09a6\u09bf\u0995\u09c7, \u09ac\u09df\u09b8 \u0995\u09ae \u09b9\u09b2\u09c7 \u09b8\u09ae\u09cd\u09aa\u09a6 \u0997\u09dc\u09c7 \u09a4\u09cb\u09b2\u09be \u0993 \u09a4\u09be \u09ac\u09bf\u09a8\u09bf\u09df\u09cb\u0997 \u0995\u09b0\u09be\u09b0 \u099c\u09a8\u09cd\u09af \u0986\u09aa\u09a8\u09bf \u09a6\u09c0\u09b0\u09cd\u0998 \u09b8\u09ae\u09df \u09aa\u09be\u09a8\u2014\u09af\u09be \u0986\u09aa\u09a8\u09be\u09b0 \u099c\u09a8\u09cd\u09af \u0985\u09a4\u09cd\u09af\u09a8\u09cd\u09a4 \u09b2\u09be\u09ad\u099c\u09a8\u0995; \u09aa\u09be\u09b6\u09be\u09aa\u09be\u09b6\u09bf \u0985\u09ac\u09b8\u09b0\u09c7\u09b0 \u09aa\u09b0 \u09b8\u09c7\u0987 \u09b8\u09ae\u09cd\u09aa\u09a6 \u0995\u09c0\u09ad\u09be\u09ac\u09c7 \u09b8\u09b0\u09cd\u09ac\u09cb\u09a4\u09cd\u09a4\u09ae \u0989\u09aa\u09be\u09df\u09c7 \u09ac\u09cd\u09af\u09df \u0995\u09b0\u09ac\u09c7\u09a8, \u09b8\u09c7 \u09ac\u09bf\u09b7\u09df\u09c7\u0993 \u099a\u09bf\u09a8\u09cd\u09a4\u09be\u09ad\u09be\u09ac\u09a8\u09be \u0995\u09b0\u09be\u09b0 \u09b8\u09c1\u09af\u09cb\u0997 \u09a5\u09be\u0995\u09c7\u0964 \u098f\u0987 \u09aa\u09cd\u09b0\u0995\u09cd\u09b0\u09bf\u09df\u09be\u09df \u09af\u09a6\u09bf \u0995\u09cb\u09a8\u09cb [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":4932,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"editor_notices":[],"footnotes":""},"class_list":["post-4962","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0985\u09ac\u09b8\u09b0 \u09aa\u09b0\u09bf\u0995\u09b2\u09cd\u09aa\u09a8\u09be\u09b0 \u099f\u09bf\u09aa\u09b8 - 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