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wp-container-core-columns-is-layout-6f9e0450 wp-block-columns-is-layout-flex\" style=\"margin-top:0px;margin-bottom:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px\">\n<div class=\"wp-block-column is-vertically-aligned-top text-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\">\n<h2 class=\"wp-block-heading has-text-align-left animated fadeInUp slow has-tertiary-color has-text-color has-link-color has-whitney-font-family has-x-large-font-size is-heading-wave-line is-wave-line-width-100 is-wave-line-primary is-wave-align-left wp-elements-2\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1.25rem;padding-left:0rem;font-style:normal;font-weight:600;text-transform:capitalize\">\u0b8a\u0bb0\u0bcd\u0ba8\u0bbf\u0bb2\u0bc8 \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0bae\u0bbf\u0b9f\u0bb2\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0bae\u0bc1\u0b95\u0bcd\u0b95\u0bbf\u0baf 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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\">\u0b92\u0bb0\u0bc1 \u0baa\u0b95\u0bcd\u0b95\u0bae\u0bcd, \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b87\u0bb3\u0bae\u0bc8 \u0bb5\u0bbe\u0baf\u0bcd\u0bae\u0bc8\u0baf\u0bbe\u0b95\u0baa\u0bcd \u0baa\u0bbe\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0bbe\u0bb2\u0bcd, \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b95\u0bbe\u0ba4\u0bcd\u0ba4\u0bbf\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0ba4\u0bbe\u0bb2\u0bcd \u0b85\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bbe\u0bb2\u0bcd \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b8e\u0bb5\u0bcd\u0bb5\u0bb3\u0bb5\u0bc1 \u0b9a\u0bc6\u0bb2\u0bb5\u0bb4\u0bbf\u0b95\u0bcd\u0b95 \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bbf\u0baf\u0ba4\u0bcb \u0b85\u0ba4\u0bb1\u0bcd\u0b95\u0bbe\u0b95 \u0b8e\u0ba9\u0bcd\u0ba9 \u0b9a\u0bc6\u0baf\u0bcd\u0bb5\u0ba4\u0bc1 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\u0b8f\u0bb1\u0bcd\u0bb1\u0bc1 \u0bb5\u0ba8\u0bcd\u0ba4\u0bbe\u0bb2\u0bcd, \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b9c\u0bc0\u0bb5\u0ba9\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0bb5\u0bb3\u0b99\u0bcd\u0b95\u0bb3\u0bc8\u0b95\u0bcd \u0b95\u0bc8\u0baf\u0bbe\u0bb3 \u0b95\u0bbe\u0bb2\u0ba4\u0bcd\u0ba4\u0bc8 \u0b89\u0bb1\u0bc1\u0ba4\u0bbf\u0baf\u0bbe\u0b95\u0b95\u0bcd \u0b95\u0bca\u0bb3\u0bcd\u0bb3 \u0bb5\u0bbf\u0bb0\u0bc1\u0bae\u0bcd\u0baa \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd. \u0b87\u0ba9\u0bcd\u0ba9\u0bc1\u0bae\u0bcd, \u0b9a\u0bbf\u0bb2 \u0b9a\u0bbf\u0bb1\u0bc1 \u0bae\u0bbe\u0bb1\u0bcd\u0bb1\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b9a\u0bc6\u0baf\u0bcd\u0ba4\u0bbe\u0bb2\u0bcd, \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b8a\u0bb0\u0bcd\u0ba8\u0bbf\u0bb2\u0bc8 \u0b86\u0ba3\u0bcd\u0b9f\u0bc1\u0b95\u0bb3\u0bc8 \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bae\u0bbf\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u0b87\u0ba9\u0bbf\u0bae\u0bc8\u0baf\u0bbe\u0b95\u0b95\u0bcd \u0b95\u0bbe\u0ba3\u0bb2\u0bbe\u0bae\u0bcd.<\/p>\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\">\u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b9a\u0bc2\u0bb4\u0bcd\u0ba8\u0bbf\u0bb2\u0bc8\u0b95\u0bb3\u0bcd \u0b8e\u0ba4\u0bc1\u0bb5\u0bbe\u0b95 \u0b87\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bbe\u0bb2\u0bc1\u0bae\u0bcd, \u0baa\u0bb2 \u0bae\u0bc1\u0b95\u0bcd\u0b95\u0bbf\u0baf \u0b89\u0baf\u0bbf\u0bb0\u0bbf\u0baf\u0bb2\u0bcd \u0ba4\u0bc1\u0bb1\u0bc8\u0b95\u0bb3\u0bc8 \u0b85\u0bb1\u0bbf\u0ba8\u0bcd\u0ba4\u0bc1 \u0b95\u0bca\u0bb3\u0bcd\u0bb3 \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized has-custom-border animated fadeInUp delay-100ms slow\" style=\"margin-top:0rem;margin-right:0rem;margin-bottom:1rem;margin-left:0rem\"><img loading=\"lazy\" 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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\">\u0bae\u0bc2\u0bb2\u0ba4\u0ba9\u0bae\u0bcd<\/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\">\u0bb5\u0bb0\u0bbf<\/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\">\u0baa\u0b9f\u0bcd\u0b9c\u0bc6\u0b9f\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0ba8\u0b95\u0bc8\u0b9a\u0bcd\u0b9a\u0bc1\u0bb5\u0bc8 \u0bae\u0bc7\u0bb2\u0bbe\u0ba3\u0bcd\u0bae\u0bc8<\/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\">\u0baa\u0bb2 \u0bb5\u0b95\u0bc8\u0baf\u0bbe\u0ba9 \u0b95\u0bbe\u0baa\u0bcd\u0baa\u0bc0\u0b9f\u0bc1<\/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\">\u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0ba8\u0bbf\u0bb2\u0bc8\u0baf\u0bc8\u0ba4\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0bae\u0bbf\u0b9f\u0bc1\u0ba4\u0bb2\u0bcd<\/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\">\u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b9a\u0bae\u0bcd\u0baa\u0ba8\u0bcd\u0ba4\u0b99\u0bcd\u0b95\u0bb3\u0bbf\u0bb2\u0bcd 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\u0b9a\u0bc7\u0bb5\u0bc8\u0b95\u0bb3\u0bcd<\/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\">\u0b87\u0ba8\u0bcd\u0ba4 \u0ba8\u0bbf\u0bb2\u0bc8\u0baf\u0bbf\u0bb2\u0bcd, HCFM \u0b85\u0b9f\u0bbf\u0baa\u0bcd\u0baa\u0b9f\u0bc8\u0baf\u0bbe\u0ba9 \u0baa\u0bc1\u0bb3\u0bcd\u0bb3\u0bbf\u0b95\u0bb3\u0bc8 \u0b8e\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bcd\u0b95\u0bbe\u0b9f\u0bcd\u0b9f\u0bc1\u0b95\u0bbf\u0bb1\u0ba4\u0bc1.<\/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\">\u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b93\u0baf\u0bcd\u0bb5\u0bc1 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\u0ba4\u0bc7\u0bb5\u0bc8\u0baf\u0bbe\u0ba9 \u0ba4\u0bca\u0b95\u0bc8\u0baf\u0bc8 \u0bae\u0bbf\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u0baf\u0ba4\u0bbe\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0bae\u0bbe\u0b95 \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bbf\u0b9f\u0bcd\u0b9f\u0bbf\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bbe\u0bb2\u0bc1\u0bae\u0bcd, \u0baa\u0bb2 \u0b86\u0ba3\u0bcd\u0b9f\u0bc1\u0b95\u0bb3\u0bbe\u0b95 \u0baa\u0bcb\u0ba4\u0bc1\u0bae\u0bbe\u0ba9 \u0ba4\u0bca\u0b95\u0bc8\u0baf\u0bc8\u0b9a\u0bcd \u0b9a\u0bc7\u0bae\u0bbf\u0baa\u0bcd\u0baa\u0ba4\u0bbf\u0bb2\u0bcd \u0b9a\u0bbf\u0bb0\u0bae\u0baa\u0bcd\u0baa\u0b9f\u0bb2\u0bbe\u0bae\u0bcd \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0ba4\u0bbe\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b9a\u0bc7\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4 \u0b9a\u0bc6\u0bb2\u0bcd\u0bb5\u0ba4\u0bcd\u0ba4\u0bc8\u0baa\u0bcd \u0baa\u0bca\u0bb1\u0bc1\u0baa\u0bcd\u0baa\u0bc1\u0b9f\u0ba9\u0bcd \u0ba8\u0bbf\u0bb0\u0bcd\u0bb5\u0b95\u0bbf\u0b95\u0bcd\u0b95\u0ba4\u0bcd \u0ba4\u0bb5\u0bb1\u0bb2\u0bbe\u0bae\u0bcd. \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0ba8\u0bbf\u0bb2\u0bc8\u0bae\u0bc8 \u0b8e\u0ba4\u0bc1\u0bb5\u0bbe\u0b95 \u0b87\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bbe\u0bb2\u0bc1\u0bae\u0bcd, \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0b95\u0bcd\u0b95\u0bbe\u0bb2 \u0ba8\u0bbf\u0ba4\u0bbf\u0baf\u0bc8 \u0b89\u0bb0\u0bc1\u0bb5\u0bbe\u0b95\u0bcd\u0b95\u0bc1\u0bb5\u0ba4\u0bc1 \u0b85\u0ba4\u0bbf\u0b95 \u0bae\u0bc1\u0ba9\u0bcd\u0ba9\u0bc1\u0bb0\u0bbf\u0bae\u0bc8\u0baf\u0bbe\u0b95 \u0b87\u0bb0\u0bc1\u0b95\u0bcd\u0b95 \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. \u0bae\u0bc1\u0b9f\u0bbf\u0ba8\u0bcd\u0ba4\u0bb5\u0bb0\u0bc8, \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0b95\u0bcd\u0b95\u0bbe\u0bb2\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0b95\u0bcd\u0b95\u0bc2\u0b9f\u0bbf\u0baf \u0ba8\u0bbf\u0ba4\u0bbf \u0b86\u0ba4\u0bbe\u0bb0\u0b99\u0bcd\u0b95\u0bb3\u0bc8 \u0b85\u0ba4\u0bbf\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0b99\u0bcd\u0b95\u0bb3\u0bcd.<\/strong><br>\u0b87\u0ba4\u0bb1\u0bcd\u0b95\u0bc1\u0baa\u0bcd \u0baa\u0bb2\u0bcd\u0bb5\u0bc7\u0bb1\u0bc1 \u0bb5\u0bbe\u0baf\u0bcd\u0baa\u0bcd\u0baa\u0bc1\u0b95\u0bb3\u0bcd \u0b89\u0bb3\u0bcd\u0bb3\u0ba9:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u0bb5\u0bb0\u0bc8\u0baf\u0bb1\u0bc1\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bcd\u0b9f \u0ba8\u0ba9\u0bcd\u0bae\u0bc8 \u0b93\u0baf\u0bcd\u0bb5\u0bc2\u0ba4\u0bbf\u0baf\u0ba4\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0b99\u0bcd\u0b95\u0bb3\u0bcd (Defined-benefit pensions)<\/em> \u2013 \u0b87\u0bb5\u0bc8 \u0baa\u0bbe\u0bb0\u0bae\u0bcd\u0baa\u0bb0\u0bbf\u0baf \u0b93\u0baf\u0bcd\u0bb5\u0bc2\u0ba4\u0bbf\u0baf\u0ba4\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0b99\u0bcd\u0b95\u0bb3\u0bbe\u0b95\u0bc1\u0bae\u0bcd. \u0b95\u0bc1\u0bb1\u0bc8\u0ba8\u0bcd\u0ba4 \u0b8e\u0ba3\u0bcd\u0ba3\u0bbf\u0b95\u0bcd\u0b95\u0bc8\u0baf\u0bbf\u0bb2\u0bbe\u0ba9 \u0baa\u0ba3\u0bbf\u0baf\u0bbe\u0bb3\u0bb0\u0bcd\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc7 \u0b87\u0ba4\u0bcd\u0ba4\u0b95\u0bc8\u0baf \u0b9a\u0bb2\u0bc1\u0b95\u0bc8 \u0b95\u0bbf\u0b9f\u0bc8\u0ba4\u0bcd\u0ba4\u0bbe\u0bb2\u0bc1\u0bae\u0bcd, \u0b87\u0ba4\u0bc1 \u0bae\u0bbf\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bc1\u0bae\u0bbf\u0b95\u0bcd\u0b95 \u0b92\u0ba9\u0bcd\u0bb1\u0bbe\u0b95\u0bc1\u0bae\u0bcd. \u0b8f\u0ba9\u0bc6\u0ba9\u0bbf\u0bb2\u0bcd, \u0b87\u0ba4\u0bb1\u0bcd\u0b95\u0bbe\u0ba9 \u0bae\u0bc1\u0bb4\u0bc1\u0b9a\u0bcd \u0b9a\u0bc6\u0bb2\u0bb5\u0bc8\u0baf\u0bc1\u0bae\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bae\u0bc1\u0ba4\u0bb2\u0bbe\u0bb3\u0bbf \u0b8f\u0bb1\u0bcd\u0b95\u0bbf\u0bb1\u0bbe\u0bb0\u0bcd, \u0bae\u0bc7\u0bb2\u0bc1\u0bae\u0bcd \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0baa\u0bc6\u0bb1\u0bc1\u0bae\u0bcd \u0ba4\u0bca\u0b95\u0bc8 \u0baa\u0bca\u0ba4\u0bc1\u0bb5\u0bbe\u0b95 \u0bae\u0bbf\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u0ba8\u0bae\u0bcd\u0baa\u0b95\u0bae\u0bbe\u0ba9\u0ba4\u0bbe\u0b95 \u0b87\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd. \u0baa\u0bc6\u0bb1\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd \u0ba4\u0bca\u0b95\u0bc8\u0b95\u0bb3\u0bcd \u0bae\u0bc1\u0bb4\u0bc1\u0bae\u0bc8\u0baf\u0bbe\u0b95 \u0b9a\u0bbe\u0ba4\u0bbe\u0bb0\u0ba3 \u0bb5\u0bb0\u0bc1\u0bae\u0bbe\u0ba9\u0bae\u0bbe\u0b95 \u0bb5\u0bb0\u0bbf \u0bb5\u0bbf\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u0bb5\u0bb0\u0bc8\u0baf\u0bb1\u0bc1\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bcd\u0b9f \u0baa\u0b99\u0bcd\u0b95\u0bb3\u0bbf\u0baa\u0bcd\u0baa\u0bc1 \u0b93\u0baf\u0bcd\u0bb5\u0bc2\u0ba4\u0bbf\u0baf\u0ba4\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0b99\u0bcd\u0b95\u0bb3\u0bcd (Defined-contribution plans)<\/em> \u2013 \u0b87\u0bb5\u0bc8 \u0bae\u0bc1\u0ba4\u0bb2\u0bbe\u0bb3\u0bbf\u0b95\u0bb3\u0bbe\u0bb2\u0bcd \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba9. \u0baa\u0bca\u0ba4\u0bc1\u0bb5\u0bbe\u0b95 401(k), 403(b) \u0baa\u0bcb\u0ba9\u0bcd\u0bb1 \u0ba4\u0b95\u0bc1\u0ba4\u0bbf\u0baf\u0bbe\u0ba9 \u0b93\u0baf\u0bcd\u0bb5\u0bc2\u0ba4\u0bbf\u0baf\u0ba4\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 SEP \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd SIMPLE IRA \u0baa\u0bcb\u0ba9\u0bcd\u0bb1 \u0b9a\u0bbf\u0bb2 IRA \u0bb5\u0b95\u0bc8\u0b95\u0bb3\u0bbf\u0ba9\u0bcd \u0bb5\u0b9f\u0bbf\u0bb5\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b87\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd. \u0b87\u0ba8\u0bcd\u0ba4\u0ba4\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0b99\u0bcd\u0b95\u0bb3\u0bbf\u0bb2\u0bcd \u0b92\u0bb5\u0bcd\u0bb5\u0bca\u0bb0\u0bc1 \u0b86\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4\u0b95\u0bcd\u0b95\u0bc2\u0b9f\u0bbf\u0baf \u0ba4\u0bca\u0b95\u0bc8\u0b95\u0bcd\u0b95\u0bc1 \u0bb5\u0bb0\u0bae\u0bcd\u0baa\u0bc1\u0b95\u0bb3\u0bcd \u0b89\u0bb3\u0bcd\u0bb3\u0ba9. \u0baa\u0bca\u0ba4\u0bc1\u0bb5\u0bbe\u0b95, \u0bae\u0bc1\u0ba4\u0bb2\u0bbe\u0bb3\u0bbf \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0baa\u0b99\u0bcd\u0b95\u0bb3\u0bbf\u0baa\u0bcd\u0baa\u0bc1\u0b95\u0bb3\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b9a\u0bae\u0bcd\u0baa\u0bb3\u0bae\u0bcd \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0b8a\u0ba4\u0bbf\u0baf\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bbf\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bc1 \u0bb5\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc1 \u0bae\u0bc1\u0ba9\u0bcd \u0b92\u0ba4\u0bc1\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd \u0ba4\u0bca\u0b95\u0bc8\u0b95\u0bb3\u0bcd \u0b86\u0b95\u0bbf\u0baf\u0bb5\u0bb1\u0bcd\u0bb1\u0bbf\u0ba9\u0bcd \u0b95\u0bb2\u0bb5\u0bc8\u0baf\u0bbe\u0bb2\u0bcd \u0b87\u0bb5\u0bc8 \u0ba8\u0bbf\u0ba4\u0bbf\u0baf\u0bb3\u0bbf\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba9. \u0b95\u0ba3\u0b95\u0bcd\u0b95\u0bbf\u0bb2\u0bcd \u0b89\u0bb3\u0bcd\u0bb3 \u0ba4\u0bca\u0b95\u0bc8 \u0bb5\u0bb0\u0bbf \u0b87\u0bb2\u0bcd\u0bb2\u0bbe\u0bae\u0bb2\u0bcd \u0bb5\u0bb3\u0bb0\u0bcd\u0b95\u0bbf\u0bb1\u0ba4\u0bc1; \u0b86\u0ba9\u0bbe\u0bb2\u0bcd \u0baa\u0bc6\u0bb1\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd \u0ba4\u0bca\u0b95\u0bc8\u0b95\u0bb3\u0bcd \u0bae\u0bc1\u0bb4\u0bc1\u0bae\u0bc8\u0baf\u0bbe\u0b95 \u0b9a\u0bbe\u0ba4\u0bbe\u0bb0\u0ba3 \u0bb5\u0bb0\u0bc1\u0bae\u0bbe\u0ba9\u0bae\u0bbe\u0b95 \u0bb5\u0bb0\u0bbf \u0bb5\u0bbf\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u0baa\u0bbe\u0bb0\u0bae\u0bcd\u0baa\u0bb0\u0bbf\u0baf IRA-\u0b95\u0bb3\u0bcd (Traditional IRAs)<\/em> \u2013 \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bb5\u0bb0\u0bc1\u0bae\u0bbe\u0ba9 \u0b85\u0bb3\u0bb5\u0bc8\u0baa\u0bcd \u0baa\u0bca\u0bb1\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1, \u0baa\u0bbe\u0bb0\u0bae\u0bcd\u0baa\u0bb0\u0bbf\u0baf IRA-\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b9a\u0bca\u0ba8\u0bcd\u0ba4 \u0bb5\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc1 \u0bae\u0bc1\u0ba9\u0bcd \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd \u0baa\u0ba3\u0ba4\u0bcd\u0ba4\u0bc8\u0b95\u0bcd \u0b95\u0bca\u0ba3\u0bcd\u0b9f\u0bc1 \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0b95\u0bc1\u0bb1\u0bc8\u0bb5\u0bbe\u0b95\u0baa\u0bcd \u0baa\u0bca\u0ba4\u0bc1\u0bb5\u0bbe\u0b95 \u0bb5\u0bb0\u0bbf \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf\u0baf \u0baa\u0ba3\u0ba4\u0bcd\u0ba4\u0bc8\u0b95\u0bcd \u0b95\u0bca\u0ba3\u0bcd\u0b9f\u0bc1 \u0ba8\u0bbf\u0ba4\u0bbf\u0baf\u0bb3\u0bbf\u0b95\u0bcd\u0b95\u0bb2\u0bbe\u0bae\u0bcd. 401(k) \u0baa\u0bcb\u0ba9\u0bcd\u0bb1 \u0bae\u0bc1\u0ba4\u0bb2\u0bbe\u0bb3\u0bbf \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0b99\u0bcd\u0b95\u0bb3\u0bbf\u0bb2\u0bbf\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bc1\u0bae\u0bcd \u0baa\u0bbe\u0bb0\u0bae\u0bcd\u0baa\u0bb0\u0bbf\u0baf IRA-\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0bb5\u0bb0\u0bbf \u0b87\u0bb2\u0bcd\u0bb2\u0bbe\u0bae\u0bb2\u0bcd \u0baa\u0ba3\u0ba4\u0bcd\u0ba4\u0bc8 \u201c\u0bae\u0bbe\u0bb1\u0bcd\u0bb1\u0bbf\u0baa\u0bcd \u0baa\u0bb0\u0bbf\u0bae\u0bbe\u0bb1\u201d (roll over) \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bc1\u0bae\u0bcd. \u0b95\u0ba3\u0b95\u0bcd\u0b95\u0bbf\u0bb2\u0bcd \u0b89\u0bb3\u0bcd\u0bb3 \u0ba4\u0bca\u0b95\u0bc8 \u0bb5\u0bb0\u0bbf \u0b87\u0bb2\u0bcd\u0bb2\u0bbe\u0bae\u0bb2\u0bcd \u0bb5\u0bb3\u0bb0\u0bcd\u0b95\u0bbf\u0bb1\u0ba4\u0bc1. \u0baa\u0bbe\u0bb0\u0bae\u0bcd\u0baa\u0bb0\u0bbf\u0baf IRA-\u0baf\u0bbf\u0bb2\u0bbf\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bc1 \u0baa\u0ba3\u0bae\u0bcd \u0baa\u0bc6\u0bb1\u0bc1\u0bae\u0bcd\u0baa\u0bcb\u0ba4\u0bc1, \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf\u0baf \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0bae\u0bbe\u0bb1\u0bcd\u0bb1\u0bbf\u0baa\u0bcd \u0baa\u0bb0\u0bbf\u0bae\u0bbe\u0bb1\u0bbf\u0baf \u0bb5\u0bb0\u0bbf\u0b95\u0bcd\u0b95\u0bc1 \u0bae\u0bc1\u0ba9\u0bcd \u0baa\u0ba3\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bcd \u0bb5\u0bbf\u0b95\u0bbf\u0ba4\u0ba4\u0bcd\u0ba4\u0bbf\u0bb1\u0bcd\u0b95\u0bc1 \u0b8f\u0bb1\u0bcd\u0baa, \u0b85\u0ba4\u0bc1 \u0b9a\u0bbe\u0ba4\u0bbe\u0bb0\u0ba3 \u0bb5\u0bb0\u0bc1\u0bae\u0bbe\u0ba9\u0bae\u0bbe\u0b95 \u0bb5\u0bb0\u0bbf \u0bb5\u0bbf\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Roth IRA-\u0b95\u0bb3\u0bcd<\/em> \u2013 \u0b87\u0bb5\u0bc8\u0baf\u0bc1\u0bae\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b9a\u0bca\u0ba8\u0bcd\u0ba4 \u0baa\u0ba3\u0ba4\u0bcd\u0ba4\u0bc8\u0b95\u0bcd \u0b95\u0bca\u0ba3\u0bcd\u0b9f\u0bc1, \u0b95\u0bc1\u0bb1\u0bbf\u0baa\u0bcd\u0baa\u0bbe\u0b95 \u0bb5\u0bb0\u0bbf \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf\u0baf \u0baa\u0bbf\u0bb1\u0b95\u0bc1 \u0bae\u0bc0\u0ba4\u0bae\u0bc1\u0bb3\u0bcd\u0bb3 \u0baa\u0ba3\u0ba4\u0bcd\u0ba4\u0bc8\u0b95\u0bcd \u0b95\u0bca\u0ba3\u0bcd\u0b9f\u0bc1 \u0ba8\u0bbf\u0ba4\u0bbf\u0baf\u0bb3\u0bbf\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba9. \u0b87\u0ba4\u0ba9\u0bcd \u0baa\u0bca\u0bb0\u0bc1\u0bb3\u0bcd, \u0bae\u0bc1\u0ba4\u0bb2\u0bc0\u0b9f\u0bcd\u0b9f\u0bc1 \u0bb5\u0bb0\u0bc1\u0bae\u0bbe\u0ba9\u0bae\u0bc1\u0bae\u0bcd \u0baa\u0bc6\u0bb1\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd \u0ba4\u0bca\u0b95\u0bc8\u0baf\u0bc1\u0bae\u0bcd \u0bb5\u0bb0\u0bbf \u0b87\u0bb2\u0bcd\u0bb2\u0bbe\u0bae\u0bb2\u0bcd \u0b95\u0bbf\u0b9f\u0bc8\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd. \u0bae\u0bc7\u0bb2\u0bc1\u0bae\u0bcd, \u0b95\u0ba3\u0b95\u0bcd\u0b95\u0bbf\u0bb2\u0bcd \u0bae\u0bc0\u0ba4\u0bae\u0bc1\u0bb3\u0bcd\u0bb3 \u0ba4\u0bca\u0b95\u0bc8\u0baf\u0bc1\u0bae\u0bcd \u0bb5\u0bb0\u0bbf \u0b87\u0bb2\u0bcd\u0bb2\u0bbe\u0bae\u0bb2\u0bcd \u0bb5\u0bb3\u0bb0\u0bcd\u0b95\u0bbf\u0bb1\u0ba4\u0bc1. <strong>\u0b95\u0bc1\u0bb1\u0bbf\u0baa\u0bcd\u0baa\u0bc1:<\/strong> \u0b9a\u0bbf\u0bb2 \u0bae\u0bc1\u0ba4\u0bb2\u0bbe\u0bb3\u0bbf\u0b95\u0bb3\u0bcd Roth 401(k) \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0b99\u0bcd\u0b95\u0bb3\u0bc8 \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bc1\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba9\u0bb0\u0bcd; \u0b87\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0bbf\u0ba9\u0bc1\u0bae\u0bcd \u0b85\u0bb5\u0bc8 \u0b92\u0baa\u0bcd\u0baa\u0bc0\u0b9f\u0bcd\u0b9f\u0bb3\u0bb5\u0bbf\u0bb2\u0bcd \u0b85\u0bb0\u0bbf\u0ba4\u0bbe\u0ba9\u0bb5\u0bc8.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u0bb5\u0bb0\u0bbf \u0b92\u0ba4\u0bcd\u0ba4\u0bbf\u0bb5\u0bc8\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bcd\u0b9f \u0bb5\u0bb0\u0bc1\u0b9f\u0bbe\u0ba8\u0bcd\u0ba4\u0bbf\u0bb0\u0ba4\u0bcd \u0ba4\u0bca\u0b95\u0bc8\u0ba4\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0b99\u0bcd\u0b95\u0bb3\u0bcd (Tax-deferred annuities)<\/em> \u2013 \u0baa\u0bc6\u0baf\u0bb0\u0bcd \u0b95\u0bc1\u0bb1\u0bbf\u0baa\u0bcd\u0baa\u0bbf\u0b9f\u0bc1\u0bb5\u0ba4\u0bc1 \u0baa\u0bcb\u0bb2, \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bae\u0bc1\u0ba4\u0bb2\u0bc0\u0b9f\u0bc1 \u0b9a\u0bc6\u0baf\u0bcd\u0baf\u0bc1\u0bae\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b9a\u0bca\u0ba8\u0bcd\u0ba4 \u0bb5\u0bb0\u0bbf \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf\u0baf \u0baa\u0ba3\u0bae\u0bcd \u0b87\u0ba8\u0bcd\u0ba4\u0ba4\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0b99\u0bcd\u0b95\u0bb3\u0bbf\u0bb2\u0bcd \u0bb5\u0bb0\u0bbf \u0b87\u0bb2\u0bcd\u0bb2\u0bbe\u0bae\u0bb2\u0bcd \u0bb5\u0bb3\u0bb0\u0bcd\u0b95\u0bbf\u0bb1\u0ba4\u0bc1. \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bae\u0bc1\u0ba4\u0bb2\u0bc0\u0b9f\u0bc1 \u0b9a\u0bc6\u0baf\u0bcd\u0ba4 \u0ba4\u0bca\u0b95\u0bc8\u0baf\u0bc8 \u0bb5\u0bbf\u0b9f \u0b85\u0ba4\u0bbf\u0b95\u0bae\u0bbe\u0b95 \u0b89\u0bb0\u0bc1\u0bb5\u0bbe\u0b95\u0bc1\u0bae\u0bcd \u0b8e\u0ba8\u0bcd\u0ba4\u0bb5\u0bca\u0bb0\u0bc1 \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bc1 \u0b89\u0baf\u0bb0\u0bcd\u0bb5\u0bc1\u0bae\u0bcd \u0baa\u0ba3\u0bae\u0bcd \u0baa\u0bc6\u0bb1\u0bc1\u0bae\u0bcd\u0baa\u0bcb\u0ba4\u0bc1 \u0b9a\u0bbe\u0ba4\u0bbe\u0bb0\u0ba3 \u0bb5\u0bb0\u0bc1\u0bae\u0bbe\u0ba9\u0bae\u0bbe\u0b95 \u0bb5\u0bb0\u0bbf \u0bb5\u0bbf\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u0ba4\u0ba9\u0bbf\u0ba8\u0baa\u0bb0\u0bcd \u0b9a\u0bc7\u0bae\u0bbf\u0baa\u0bcd\u0baa\u0bc1 \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0bae\u0bc1\u0ba4\u0bb2\u0bc0\u0b9f\u0bcd\u0b9f\u0bc1 \u0b95\u0ba3\u0b95\u0bcd\u0b95\u0bc1\u0b95\u0bb3\u0bcd, \u0bb5\u0bc8\u0baa\u0bcd\u0baa\u0bc1 \u0b9a\u0bbe\u0ba9\u0bcd\u0bb1\u0bbf\u0ba4\u0bb4\u0bcd\u0b95\u0bb3\u0bcd (CDs) \u0baa\u0bcb\u0ba9\u0bcd\u0bb1\u0bb5\u0bc8<\/em> \u2013 \u0b87\u0bb5\u0bc8 \u0bb5\u0bb0\u0bbf \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf\u0baf \u0baa\u0ba3\u0ba4\u0bcd\u0ba4\u0bc8\u0b95\u0bcd \u0b95\u0bca\u0ba3\u0bcd\u0b9f\u0bc1 \u0ba8\u0bbf\u0ba4\u0bbf\u0baf\u0bb3\u0bbf\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba9. \u0bae\u0bc7\u0bb2\u0bc1\u0bae\u0bcd, \u0b85\u0bb5\u0bb1\u0bcd\u0bb1\u0bbf\u0bb2\u0bbf\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bc1 \u0b95\u0bbf\u0b9f\u0bc8\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0bb5\u0bb0\u0bc1\u0bae\u0bbe\u0ba9\u0ba4\u0bcd\u0ba4\u0bbf\u0bb1\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0bb5\u0bb0\u0bbf \u0bb5\u0bbf\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd. \u0b87\u0bb5\u0bb1\u0bcd\u0bb1\u0bbf\u0bb2\u0bcd \u0b9a\u0bbf\u0bb2 \u0bae\u0bc1\u0ba4\u0bb2\u0bc0\u0b9f\u0bc1\u0b95\u0bb3\u0bcd \u0bae\u0bc2\u0bb2\u0ba4\u0ba9 \u0b86\u0ba4\u0bbe\u0baf\u0ba4\u0bcd\u0ba4\u0bc8 \u0b89\u0bb0\u0bc1\u0bb5\u0bbe\u0b95\u0bcd\u0b95\u0bc1\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba9; \u0b85\u0bb5\u0bc8 \u0baa\u0bca\u0ba4\u0bc1\u0bb5\u0bbe\u0b95 \u0bb5\u0b9f\u0bcd\u0b9f\u0bbf \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0baa\u0bbf\u0bb1 \u0bb5\u0b95\u0bc8\u0baf\u0bbe\u0ba9 \u0b9a\u0bbe\u0ba4\u0bbe\u0bb0\u0ba3 \u0bb5\u0bb0\u0bc1\u0bae\u0bbe\u0ba9\u0ba4\u0bcd\u0ba4\u0bc8\u0bb5\u0bbf\u0b9f \u0b9a\u0bbe\u0ba4\u0b95\u0bae\u0bbe\u0ba9 \u0bb5\u0bb0\u0bbf \u0bb5\u0bbf\u0b95\u0bbf\u0ba4\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0bb5\u0bb0\u0bbf \u0bb5\u0bbf\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0b95\u0bbf\u0ba9\u0bcd\u0bb1\u0ba9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u0bb5\u0bc7\u0bb2\u0bc8\u0bb5\u0bbe\u0baf\u0bcd\u0baa\u0bcd\u0baa\u0bc1<\/em> \u2013 \u0b9a\u0bbf\u0bb2\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u201c\u0b93\u0baf\u0bcd\u0bb5\u0bc1\u201d \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0bc1 \u0b87\u0ba9\u0bcd\u0ba9\u0bc1\u0bae\u0bcd \u0b9a\u0bbf\u0bb1\u0bbf\u0ba4\u0bc1 \u0b95\u0bbe\u0bb2\u0bae\u0bcd, \u0baa\u0b95\u0bc1\u0ba4\u0bbf \u0ba8\u0bc7\u0bb0\u0bae\u0bbe\u0b95\u0ba4\u0bcd \u0ba4\u0bca\u0b9f\u0bb0\u0bcd\u0ba8\u0bcd\u0ba4\u0bc1 \u0baa\u0ba3\u0bbf\u0baa\u0bc1\u0bb0\u0bbf\u0bb5\u0ba4\u0bc8\u0b95\u0bcd \u0b95\u0bc1\u0bb1\u0bbf\u0b95\u0bcd\u0b95\u0bbf\u0bb1\u0ba4\u0bc1. \u0b85\u0ba4\u0bc7\u0baa\u0bcb\u0bb2\u0bcd, \u0bae\u0bc7\u0bb2\u0bc1\u0bae\u0bcd \u0b92\u0bb0\u0bc1 \u0bb5\u0bb0\u0bc1\u0b9f\u0bae\u0bcd \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0b87\u0bb0\u0ba3\u0bcd\u0b9f\u0bc1 \u0b86\u0ba3\u0bcd\u0b9f\u0bc1\u0b95\u0bb3\u0bcd \u0bae\u0bc1\u0bb4\u0bc1\u0ba8\u0bc7\u0bb0\u0bae\u0bbe\u0b95\u0baa\u0bcd \u0baa\u0ba3\u0bbf\u0baa\u0bc1\u0bb0\u0bbf\u0bb5\u0ba4\u0bc1, \u0bae\u0bc7\u0bb2\u0bc7 \u0b95\u0bc1\u0bb1\u0bbf\u0baa\u0bcd\u0baa\u0bbf\u0b9f\u0baa\u0bcd\u0baa\u0b9f\u0bcd\u0b9f\u0bc1\u0bb3\u0bcd\u0bb3 \u0b92\u0ba9\u0bcd\u0bb1\u0bc1 \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0b85\u0ba4\u0bb1\u0bcd\u0b95\u0bc1 \u0bae\u0bc7\u0bb1\u0bcd\u0baa\u0b9f\u0bcd\u0b9f \u0bb5\u0bb4\u0bbf\u0b95\u0bb3\u0bbf\u0bb2\u0bcd \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0b95\u0bcd\u0b95\u0bc2\u0b9f\u0bbf\u0baf \u0b95\u0bc2\u0b9f\u0bc1\u0ba4\u0bb2\u0bcd \u0b9a\u0bca\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bcd\u0b95\u0bb3\u0bc8 \u0b89\u0bb0\u0bc1\u0bb5\u0bbe\u0b95\u0bcd\u0b95 \u0b89\u0ba4\u0bb5\u0bc1\u0bae\u0bcd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Social Security \u0ba8\u0bb2\u0ba9\u0bcd\u0b95\u0bb3\u0bcd<\/em> \u2013 Social Security \u0b85\u0bae\u0bc8\u0baa\u0bcd\u0baa\u0bbf\u0ba9\u0bcd \u0ba8\u0bc0\u0ba3\u0bcd\u0b9f\u0b95\u0bbe\u0bb2 \u0ba8\u0bbf\u0ba4\u0bbf\u0ba8\u0bbf\u0bb2\u0bc8 \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0b92\u0bb0\u0bc1\u0bb5\u0bb0\u0bcd \u0b8e\u0ba4\u0bbf\u0bb0\u0bcd\u0baa\u0bbe\u0bb0\u0bcd\u0b95\u0bcd\u0b95\u0b95\u0bcd\u0b95\u0bc2\u0b9f\u0bbf\u0baf \u0ba8\u0bb2\u0ba4\u0bcd\u0ba4\u0bca\u0b95\u0bc8\u0baf\u0bbf\u0ba9\u0bcd \u0b85\u0bb3\u0bb5\u0bc1 \u0b95\u0bc1\u0bb1\u0bbf\u0ba4\u0bcd\u0ba4 \u0b95\u0bb5\u0bb2\u0bc8\u0b95\u0bb3\u0bcd \u0b87\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0baa\u0bcb\u0ba4\u0bbf\u0bb2\u0bc1\u0bae\u0bcd, \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0b95\u0bcd\u0b95\u0bbe\u0bb2\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0bae\u0bbf\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u0baa\u0bca\u0ba4\u0bc1\u0bb5\u0bbe\u0b95\u0b95\u0bcd \u0b95\u0bbf\u0b9f\u0bc8\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0b87\u0ba8\u0bcd\u0ba4 \u0bb5\u0bb0\u0bc1\u0bae\u0bbe\u0ba9 \u0b86\u0ba4\u0bbe\u0bb0\u0ba4\u0bcd\u0ba4\u0bc8 \u0ba8\u0bbf\u0b9a\u0bcd\u0b9a\u0baf\u0bae\u0bbe\u0b95\u0b95\u0bcd \u0b95\u0bb0\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b95\u0bca\u0bb3\u0bcd\u0bb3 \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bc1\u0bae\u0bcd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u0ba8\u0bbf\u0ba4\u0bbf \u0b85\u0bb2\u0bcd\u0bb2\u0bbe\u0ba4 \u0b9a\u0bca\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bb3\u0bcd<\/em> \u2013 \u0baa\u0ba3\u0ba4\u0bcd\u0ba4\u0bc8\u0b9a\u0bcd \u0b9a\u0bc7\u0bae\u0bbf\u0b95\u0bcd\u0b95 \u0b89\u0ba4\u0bb5\u0bc1\u0bae\u0bcd \u0bb5\u0bbf\u0bb7\u0baf\u0b99\u0bcd\u0b95\u0bb3\u0bc1\u0bae\u0bcd \u0ba4\u0bca\u0b9f\u0bb0\u0bcd\u0b9a\u0bcd\u0b9a\u0bbf\u0baf\u0bbe\u0ba9 \u0baa\u0ba3\u0baa\u0bcd\u0baa\u0bb0\u0bbf\u0bb5\u0bb0\u0bcd\u0ba4\u0bcd\u0ba4\u0ba9\u0bc8\u0b95\u0bcd\u0b95\u0bc1 \u0b87\u0ba3\u0bc8\u0baf\u0bbe\u0ba9 \u0bae\u0ba4\u0bbf\u0baa\u0bcd\u0baa\u0bc8\u0b95\u0bcd \u0b95\u0bca\u0ba3\u0bcd\u0b9f\u0bbf\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bb2\u0bbe\u0bae\u0bcd. \u0ba8\u0bb2\u0bcd\u0bb2 \u0b89\u0b9f\u0bb2\u0bcd\u0ba8\u0bb2\u0bae\u0bcd, \u0baa\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf\u0b9a\u0bbe\u0bb2\u0bbf\u0ba4\u0bcd\u0ba4\u0ba9\u0bae\u0bbe\u0ba9 \u0b95\u0bca\u0bb3\u0bcd\u0bae\u0bc1\u0ba4\u0bb2\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0ba4\u0bc7\u0bb5\u0bc8\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd \u0ba8\u0bc7\u0bb0\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b89\u0ba4\u0bb5\u0b95\u0bcd\u0b95\u0bc2\u0b9f\u0bbf\u0baf \u0b85\u0ba9\u0bcd\u0baa\u0bc1\u0b95\u0bcd\u0b95\u0bc1\u0bb0\u0bbf\u0baf\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0b85\u0bb0\u0bc1\u0b95\u0bbf\u0bb2\u0bcd \u0b87\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0ba4\u0bc1 \u0baa\u0bcb\u0ba9\u0bcd\u0bb1\u0bb5\u0bc8 \u0b87\u0ba4\u0bb1\u0bcd\u0b95\u0bbe\u0ba9 \u0b8e\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bcd\u0b95\u0bbe\u0b9f\u0bcd\u0b9f\u0bc1\u0b95\u0bb3\u0bcd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><strong>\u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b8e\u0ba8\u0bcd\u0ba4\u0bc6\u0ba8\u0bcd\u0ba4 \u0bb5\u0bbe\u0baf\u0bcd\u0baa\u0bcd\u0baa\u0bc1\u0b95\u0bb3\u0bc8 \u0b87\u0ba3\u0bc8\u0ba4\u0bcd\u0ba4\u0bc1 \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0ba4\u0bcd \u0ba4\u0bc7\u0bb0\u0bcd\u0ba8\u0bcd\u0ba4\u0bc6\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bbe\u0bb2\u0bc1\u0bae\u0bcd, \u0ba4\u0b95\u0bc1\u0ba4\u0bbf\u0baf\u0bbe\u0ba9 \u0ba8\u0bbf\u0baa\u0bc1\u0ba3\u0bb0\u0bcd\u0b95\u0bb3\u0bbf\u0ba9\u0bcd \u0b86\u0bb2\u0bcb\u0b9a\u0ba9\u0bc8\u0baf\u0bc8\u0baa\u0bcd \u0baa\u0bc6\u0bb1\u0bc1\u0bb5\u0ba4\u0bc8 \u0b89\u0bb1\u0bc1\u0ba4\u0bbf\u0b9a\u0bc6\u0baf\u0bcd\u0baf\u0bc1\u0b99\u0bcd\u0b95\u0bb3\u0bcd. \u0bb5\u0bb0\u0bbf \u0bb5\u0bbf\u0ba4\u0bbf\u0bae\u0bc1\u0bb1\u0bc8\u0b95\u0bb3\u0bcd \u0b9a\u0bbf\u0b95\u0bcd\u0b95\u0bb2\u0bbe\u0ba9\u0bb5\u0bc8\u0baf\u0bbe\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u0b95\u0bbe\u0bb2\u0baa\u0bcd\u0baa\u0bcb\u0b95\u0bcd\u0b95\u0bbf\u0bb2\u0bcd \u0bae\u0bbe\u0bb1\u0b95\u0bcd\u0b95\u0bc2\u0b9f\u0bbf\u0baf\u0bb5\u0bc8\u0baf\u0bbe\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u0b87\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bb2\u0bbe\u0bae\u0bcd; \u0bae\u0bc1\u0ba4\u0bb2\u0bc0\u0b9f\u0bcd\u0b9f\u0bc1 \u0b9a\u0bb5\u0bbe\u0bb2\u0bcd\u0b95\u0bb3\u0bc1\u0bae\u0bcd \u0b95\u0bc1\u0bb1\u0bbf\u0baa\u0bcd\u0baa\u0bbf\u0b9f\u0ba4\u0bcd\u0ba4\u0b95\u0bcd\u0b95\u0bb5\u0bc8. \u0b89\u0ba4\u0bbe\u0bb0\u0ba3\u0bae\u0bbe\u0b95, Social Security \u0ba8\u0bb2\u0ba4\u0bcd\u0ba4\u0bca\u0b95\u0bc8\u0baf\u0bc8 \u0b8e\u0baa\u0bcd\u0baa\u0bcb\u0ba4\u0bc1 \u0baa\u0bc6\u0bb1\u0ba4\u0bcd \u0ba4\u0bca\u0b9f\u0b99\u0bcd\u0b95\u0bc1\u0bb5\u0ba4\u0bc1 \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0b93\u0baf\u0bcd\u0bb5\u0bc2\u0ba4\u0bbf\u0baf\u0ba4\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0ba4\u0bcd\u0ba4\u0bbf\u0ba9\u0bcd \u0b9a\u0bca\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bcd\u0b95\u0bb3\u0bc8 IRA-\u0b95\u0bcd\u0b95\u0bc1 \u0bae\u0bbe\u0bb1\u0bcd\u0bb1\u0bc1\u0bb5\u0ba4\u0bbe \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0bc1 \u0baa\u0bcb\u0ba9\u0bcd\u0bb1 \u0bae\u0bc1\u0b9f\u0bbf\u0bb5\u0bc1\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0b95\u0bb5\u0ba9\u0bae\u0bbe\u0ba9 \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0bae\u0bbf\u0b9f\u0bb2\u0bcd \u0ba4\u0bc7\u0bb5\u0bc8\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd.<\/strong><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. \u0b93\u0baf\u0bcd\u0bb5\u0bc1\u0b95\u0bcd\u0b95\u0bbe\u0bb2 \u0bb5\u0bb0\u0bc1\u0bae\u0bbe\u0ba9\u0ba4\u0bcd\u0ba4\u0bc8 \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bc1\u0bae\u0bcd \u0bb5\u0b95\u0bc8\u0baf\u0bbf\u0bb2\u0bcd HCFM-\u0b90 \u0b86\u0ba4\u0bb0\u0bbf\u0baa\u0bcd\u0baa\u0ba4\u0bb1\u0bcd\u0b95\u0bbe\u0ba9 \u0bb5\u0bb4\u0bbf\u0b95\u0bb3\u0bc8\u0ba4\u0bcd \u0ba4\u0bb5\u0bb1\u0bb5\u0bbf\u0b9f\u0bbe\u0ba4\u0bc0\u0bb0\u0bcd\u0b95\u0bb3\u0bcd.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd 70\u00bd \u0bb5\u0baf\u0ba4\u0bc1 \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0b85\u0ba4\u0bb1\u0bcd\u0b95\u0bc1 \u0bae\u0bc7\u0bb1\u0bcd\u0baa\u0b9f\u0bcd\u0b9f\u0bb5\u0bb0\u0bbe\u0b95 \u0b87\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bbe\u0bb2\u0bcd, \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0baa\u0bbe\u0bb0\u0bae\u0bcd\u0baa\u0bb0\u0bbf\u0baf IRA \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 Roth IRA-\u0baf\u0bbf\u0bb2\u0bbf\u0bb0\u0bc1\u0ba8\u0bcd\u0ba4\u0bc1 \u0ba8\u0bc7\u0bb0\u0b9f\u0bbf\u0baf\u0bbe\u0b95 HCFM-\u0b95\u0bcd\u0b95\u0bc1 Qualified Charitable Distribution (QCD), \u0b85\u0ba4\u0bbe\u0bb5\u0ba4\u0bc1 <a href=\"https:\/\/chatgpt.com\/planned-giving\/giving-options\/ira-charitable-rollover\">\u0ba4\u0bca\u0ba3\u0bcd\u0b9f\u0bc1 \u0ba8\u0bbf\u0bb1\u0bc1\u0bb5\u0ba9\u0ba4\u0bcd\u0ba4\u0bbf\u0bb1\u0bcd\u0b95\u0bbe\u0ba9 IRA \u0bae\u0bbe\u0bb1\u0bcd\u0bb1\u0bae\u0bcd<\/a> \u0bae\u0bc2\u0bb2\u0bae\u0bcd 2026 \u0b86\u0bae\u0bcd \u0b86\u0ba3\u0bcd\u0b9f\u0bbf\u0bb2\u0bcd $111,000 \u0bb5\u0bb0\u0bc8 \u0ba8\u0ba9\u0bcd\u0b95\u0bca\u0b9f\u0bc8\u0baf\u0bbe\u0b95 \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bb2\u0bbe\u0bae\u0bcd. \u0b87\u0ba8\u0bcd\u0ba4 \u0ba8\u0ba9\u0bcd\u0b95\u0bca\u0b9f\u0bc8 \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bb5\u0bb0\u0bc1\u0bae\u0bbe\u0ba9\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bcd \u0b9a\u0bc7\u0bb0\u0bcd\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bbe\u0ba4\u0bc1. \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd 73 \u0bb5\u0baf\u0ba4\u0bc1 \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0b85\u0ba4\u0bb1\u0bcd\u0b95\u0bc1 \u0bae\u0bc7\u0bb1\u0bcd\u0baa\u0b9f\u0bcd\u0b9f\u0bb5\u0bb0\u0bbe\u0b95 \u0b87\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd\u0baa\u0bcb\u0ba4\u0bc1, QCD \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bb5\u0bb0\u0bc1\u0b9f\u0bbe\u0ba8\u0bcd\u0ba4\u0bbf\u0bb0 \u0b95\u0bc1\u0bb1\u0bc8\u0ba8\u0bcd\u0ba4\u0baa\u0b9f\u0bcd\u0b9a \u0b95\u0b9f\u0bcd\u0b9f\u0bbe\u0baf\u0baa\u0bcd \u0baa\u0ba3\u0baa\u0bcd\u0baa\u0bc6\u0bb1\u0bc1\u0ba4\u0bb2\u0bc8 \u0ba8\u0bbf\u0bb1\u0bc8\u0bb5\u0bc7\u0bb1\u0bcd\u0bb1\u0bc1\u0bb5\u0ba4\u0bcb\u0b9f\u0bc1, HCFM-\u0b95\u0bcd\u0b95\u0bc1 $111,000 \u0bb5\u0bb0\u0bc8 \u0bb5\u0bb0\u0bbf \u0b87\u0bb2\u0bcd\u0bb2\u0bbe\u0ba4 \u0ba8\u0ba9\u0bcd\u0b95\u0bca\u0b9f\u0bc8\u0baf\u0bc8 \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bb5\u0bc1\u0bae\u0bcd \u0b85\u0ba9\u0bc1\u0bae\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd. \u0ba4\u0ba9\u0bbf\u0baf\u0bbe\u0b95, 59\u00bd \u0bb5\u0baf\u0ba4\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0bae\u0bc7\u0bb1\u0bcd\u0baa\u0b9f\u0bcd\u0b9f \u0b8e\u0bb5\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bc1\u0bae\u0bcd IRA \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0ba4\u0b95\u0bc1\u0ba4\u0bbf\u0baf\u0bbe\u0ba9 \u0b93\u0baf\u0bcd\u0bb5\u0bc2\u0ba4\u0bbf\u0baf\u0ba4\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0ba4\u0bcd\u0ba4\u0bbf\u0bb2\u0bc1\u0bb3\u0bcd\u0bb3 \u0b9a\u0bca\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bcd\u0b95\u0bb3\u0bc8\u0baa\u0bcd \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bbf HCFM-\u0b95\u0bcd\u0b95\u0bc1 \u0ba4\u0bb1\u0bcd\u0baa\u0bcb\u0ba4\u0bc8\u0baf \u0ba8\u0ba9\u0bcd\u0b95\u0bca\u0b9f\u0bc8\u0b95\u0bb3\u0bc8 \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0bc1\u0bb5\u0ba4\u0bc1 \u0b9a\u0bbf\u0bb2 \u0b9a\u0bae\u0baf\u0b99\u0bcd\u0b95\u0bb3\u0bbf\u0bb2\u0bcd \u0baa\u0bca\u0bb0\u0bc1\u0ba4\u0bcd\u0ba4\u0bae\u0bbe\u0ba9\u0ba4\u0bbe\u0b95 \u0b87\u0bb0\u0bc1\u0b95\u0bcd\u0b95\u0bb2\u0bbe\u0bae\u0bcd; \u0b87\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0bbf\u0ba9\u0bc1\u0bae\u0bcd, \u0b87\u0ba4\u0bb1\u0bcd\u0b95\u0bc1 \u0b95\u0bb5\u0ba9\u0bae\u0bbe\u0ba9 \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0bae\u0bbf\u0b9f\u0bb2\u0bcd \u0b85\u0bb5\u0b9a\u0bbf\u0baf\u0bae\u0bcd.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0b87\u0bb1\u0bc1\u0ba4\u0bbf\u0baf\u0bbe\u0b95, \u0bb5\u0bb0\u0bc8\u0baf\u0bb1\u0bc1\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bcd\u0b9f \u0baa\u0b99\u0bcd\u0b95\u0bb3\u0bbf\u0baa\u0bcd\u0baa\u0bc1 \u0b93\u0baf\u0bcd\u0bb5\u0bc2\u0ba4\u0bbf\u0baf\u0ba4\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0b99\u0bcd\u0b95\u0bb3\u0bcd, \u0bb5\u0bb0\u0bbf \u0b92\u0ba4\u0bcd\u0ba4\u0bbf\u0bb5\u0bc8\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bcd\u0b9f \u0bb5\u0bb0\u0bc1\u0b9f\u0bbe\u0ba8\u0bcd\u0ba4\u0bbf\u0bb0\u0ba4\u0bcd \u0ba4\u0bca\u0b95\u0bc8\u0ba4\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0baa\u0bb2 IRA-\u0b95\u0bb3\u0bcd \u0baa\u0bcb\u0ba9\u0bcd\u0bb1 \u0b93\u0baf\u0bcd\u0bb5\u0bc2\u0ba4\u0bbf\u0baf\u0ba4\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0b99\u0bcd\u0b95\u0bb3\u0bbf\u0bb2\u0bcd \u0b87\u0ba4\u0bc1\u0bb5\u0bb0\u0bc8 \u0bb5\u0bb0\u0bbf \u0bb5\u0bbf\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bbe\u0ba4 \u0bb5\u0bb0\u0bc1\u0bae\u0bbe\u0ba9\u0bae\u0bcd \u0b87\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0ba4\u0bbe\u0bb2\u0bcd, \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd <a href=\"https:\/\/chatgpt.com\/planned-giving\/giving-options\/naming-us-your-assets\">\u0baa\u0baf\u0ba9\u0bbe\u0bb3\u0bb0\u0bcd \u0ba8\u0bbf\u0baf\u0bae\u0ba9\u0b99\u0bcd\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1<\/a> \u0b95\u0bb5\u0ba9\u0bae\u0bcd \u0b9a\u0bc6\u0bb2\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0bb5\u0ba4\u0bc1 \u0bae\u0bc1\u0b95\u0bcd\u0b95\u0bbf\u0baf\u0bae\u0bcd. \u0b95\u0bc1\u0b9f\u0bc1\u0bae\u0bcd\u0baa \u0b89\u0bb1\u0bc1\u0baa\u0bcd\u0baa\u0bbf\u0ba9\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0baa\u0bbf\u0bb1 \u0ba4\u0ba9\u0bbf\u0ba8\u0baa\u0bb0\u0bcd\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0bb5\u0bb4\u0b99\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd \u0b87\u0ba4\u0bc1\u0bb5\u0bb0\u0bc8 \u0bb5\u0bb0\u0bbf \u0bb5\u0bbf\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bbe\u0ba4 \u0ba4\u0bca\u0b95\u0bc8\u0b95\u0bb3\u0bcd \u0b85\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bcd \u0baa\u0bc6\u0bb1\u0bc1\u0bae\u0bcd\u0baa\u0bcb\u0ba4\u0bc1 \u0bb5\u0bb0\u0bbf \u0bb5\u0bbf\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bc1\u0bae\u0bcd; \u0b86\u0ba9\u0bbe\u0bb2\u0bcd HCFM \u0baa\u0bc6\u0bb1\u0bc1\u0bae\u0bcd\u0baa\u0bcb\u0ba4\u0bc1 \u0b85\u0bb5\u0bb1\u0bcd\u0bb1\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0bb5\u0bb0\u0bbf \u0bb5\u0bbf\u0ba4\u0bbf\u0b95\u0bcd\u0b95\u0baa\u0bcd\u0baa\u0b9f\u0bbe\u0ba4\u0bc1. \u0b85\u0ba4\u0bc7\u0baa\u0bcb\u0bb2\u0bcd, \u0b9a\u0bbf\u0bb2 \u0b93\u0baf\u0bcd\u0bb5\u0bc2\u0ba4\u0bbf\u0baf\u0ba4\u0bcd \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0b9a\u0bcd \u0b9a\u0bca\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bcd\u0b95\u0bb3\u0bc8 \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0bb5\u0bbe\u0bb4\u0bcd\u0ba8\u0bbe\u0bb3\u0bbf\u0ba9\u0bcd \u0bae\u0bc1\u0b9f\u0bbf\u0bb5\u0bbf\u0bb2\u0bcd \u0ba8\u0ba9\u0bcd\u0b95\u0bca\u0b9f\u0bc8 \u0bb5\u0bb0\u0bc1\u0b9f\u0bbe\u0ba8\u0bcd\u0ba4\u0bbf\u0bb0\u0ba4\u0bcd \u0ba4\u0bca\u0b95\u0bc8 (gift annuity) \u0b85\u0bb2\u0bcd\u0bb2\u0ba4\u0bc1 \u0ba4\u0bca\u0ba3\u0bcd\u0b9f\u0bc1 \u0ba8\u0bbf\u0bb1\u0bc1\u0bb5\u0ba9 \u0bae\u0bc0\u0ba4\u0bae\u0bc1\u0bb3\u0bcd\u0bb3 \u0b9a\u0bca\u0ba4\u0bcd\u0ba4\u0bc1 \u0b85\u0bb1\u0b95\u0bcd\u0b95\u0b9f\u0bcd\u0b9f\u0bb3\u0bc8 (charitable remainder trust) \u0b85\u0bae\u0bc8\u0baa\u0bcd\u0baa\u0ba4\u0bb1\u0bcd\u0b95\u0bc1\u0baa\u0bcd \u0baa\u0baf\u0ba9\u0bcd\u0baa\u0b9f\u0bc1\u0ba4\u0bcd\u0ba4\u0bc1\u0bb5\u0ba4\u0ba9\u0bcd \u0bae\u0bc2\u0bb2\u0bae\u0bcd, \u0bb5\u0bbe\u0bb0\u0bbf\u0b9a\u0bc1\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bbe\u0ba9 \u0b8f\u0bb1\u0bcd\u0baa\u0bbe\u0b9f\u0bc1\u0b95\u0bb3\u0bc1\u0b9f\u0ba9\u0bcd \u0bb5\u0bb0\u0bbf\u0b9a\u0bcd \u0b9a\u0bc7\u0bae\u0bbf\u0baa\u0bcd\u0baa\u0bc8\u0baf\u0bc1\u0bae\u0bcd \u0b87\u0ba3\u0bc8\u0b95\u0bcd\u0b95 \u0bae\u0bc1\u0b9f\u0bbf\u0baf\u0bc1\u0bae\u0bcd.<\/p>\n                    <\/div>\n                <\/div>\n                    <\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group has-primary-to-secondary-gradient-background has-background is-layout-constrained 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-3\" style=\"padding-top:0rem;padding-right:0rem;padding-bottom:1.25rem;padding-left:0rem;font-style:normal;font-weight:600;text-transform:capitalize\">\u0b8e\u0b99\u0bcd\u0b95\u0bb3\u0bc8\u0baa\u0bcd \u0baa\u0bc7\u0b9a\u0bc1\u0b99\u0bcd\u0b95\u0bb3\u0bcd<\/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-4 wp-block-paragraph\"><a href=\"https:\/\/hcfm.org\/ta\/planned-giving\/%e0%ae%8e%e0%ae%99%e0%af%8d%e0%ae%95%e0%ae%b3%e0%af%88-%e0%ae%a4%e0%af%8a%e0%ae%9f%e0%ae%b0%e0%af%8d%e0%ae%aa%e0%af%81-%e0%ae%95%e0%af%8a%e0%ae%b3%e0%af%8d%e0%ae%b3%e0%af%81%e0%ae%99%e0%af%8d%e0%ae%95\/\" data-type=\"link\" data-id=\"https:\/\/hcfm.org\/ta\/planned-giving\/%e0%ae%8e%e0%ae%99%e0%af%8d%e0%ae%95%e0%ae%b3%e0%af%88-%e0%ae%a4%e0%af%8a%e0%ae%9f%e0%ae%b0%e0%af%8d%e0%ae%aa%e0%af%81-%e0%ae%95%e0%af%8a%e0%ae%b3%e0%af%8d%e0%ae%b3%e0%af%81%e0%ae%99%e0%af%8d%e0%ae%95\/\">\u0b89\u0ba4\u0bb5\u0bbf \u0b85\u0bb2\u0bc1\u0bb5\u0bb2\u0b95\u0bae\u0bcd \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-5 wp-block-paragraph\"><a href=\"tel:508-238-4095\" type=\"tel\" id=\"tel:508-238-4095\">508-238-4095 \u0b8e\u0ba9 \u0b85\u0bb4\u0bc8\u0b95\u0bcd\u0b95\u0bb5\u0bc1\u0bae\u0bcd<\/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\/ta\/planned-giving\/\" rel=\"noreferrer\">\u0bae\u0bc1\u0ba9\u0bcd\u0ba9\u0bc7\u0bb1\u0bcd\u0bb1\u0bae\u0bcd<\/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\/ta\/planned-giving\/why-give\/\" rel=\"noreferrer\">\u0b8f\u0ba9\u0bcd \u0b95\u0bbf\u0baa\u0bcd\u0ba4\u0bbf?<\/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 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fadeInUp o-anim-custom-delay o-anim-value-delay-600ms 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\/ta\/planned-giving\/%e0%ae%8e%e0%ae%99%e0%af%8d%e0%ae%95%e0%ae%b3%e0%af%88-%e0%ae%a4%e0%af%8a%e0%ae%9f%e0%ae%b0%e0%af%8d%e0%ae%aa%e0%af%81-%e0%ae%95%e0%af%8a%e0%ae%b3%e0%af%8d%e0%ae%b3%e0%af%81%e0%ae%99%e0%af%8d%e0%ae%95\/\" rel=\"noreferrer\">\u0b8e\u0b99\u0bcd\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1\u0b9a\u0bcd \u0b9a\u0bc6\u0bb2\u0bcd\u0bb2\u0bb5\u0bc1\u0bae\u0bcd<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u0b8a\u0bb0\u0bcd\u0ba8\u0bbf\u0bb2\u0bc8 \u0ba4\u0bbf\u0b9f\u0bcd\u0b9f\u0bae\u0bbf\u0b9f\u0bb2\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0bae\u0bc1\u0b95\u0bcd\u0b95\u0bbf\u0baf 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\u0b95\u0bbe\u0ba4\u0bcd\u0ba4\u0bbf\u0bb0\u0bc1\u0baa\u0bcd\u0baa\u0ba4\u0bbe\u0bb2\u0bcd \u0b85\u0bb5\u0bb0\u0bcd\u0b95\u0bb3\u0bbe\u0bb2\u0bcd \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b8e\u0bb5\u0bcd\u0bb5\u0bb3\u0bb5\u0bc1 \u0b9a\u0bc6\u0bb2\u0bb5\u0bb4\u0bbf\u0b95\u0bcd\u0b95 \u0bb5\u0bc7\u0ba3\u0bcd\u0b9f\u0bbf\u0baf\u0ba4\u0bcb \u0b85\u0ba4\u0bb1\u0bcd\u0b95\u0bbe\u0b95 \u0b8e\u0ba9\u0bcd\u0ba9 \u0b9a\u0bc6\u0baf\u0bcd\u0bb5\u0ba4\u0bc1 \u0b8e\u0ba9\u0bcd\u0baa\u0ba4\u0bc8\u0baf\u0bc1\u0bae\u0bcd \u0b8e\u0ba3\u0bcd\u0ba3\u0bb2\u0bbe\u0bae\u0bcd. \u0ba8\u0bc7\u0bb0\u0bae\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bc1\u0b95\u0bcd\u0b95\u0bc1 \u0ba8\u0ba3\u0bcd\u0baa\u0ba9\u0bbe\u0ba9\u0bbe\u0bb2\u0bc1\u0bae\u0bcd, \u0b9a\u0bbf\u0bb2 \u0ba4\u0bb5\u0bb1\u0bc1\u0b95\u0bb3\u0bcd \u0b9a\u0bc6\u0baf\u0bcd\u0bb5\u0ba4\u0bbf\u0bb2\u0bc1\u0bae\u0bcd, \u0b9a\u0bbf\u0bb2 \u0ba8\u0bbf\u0bae\u0bbf\u0ba4\u0bcd\u0ba4\u0b99\u0bcd\u0b95\u0bb3\u0bc8\u0baa\u0bcd \u0baa\u0bb1\u0bcd\u0bb1\u0bbf\u0baf\u0bc1\u0bae\u0bcd \u0b89\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0ba8\u0bbf\u0ba9\u0bc8\u0bb5\u0bc1\u0b95\u0bb3\u0bc8 \u0ba4\u0bca\u0bb2\u0bc8\u0ba4\u0bcd\u0ba4\u0bc1\u0b95\u0bcd\u0b95\u0bca\u0bb3\u0bcd\u0bb3\u0bb2\u0bbe\u0bae\u0bcd. \u0b87\u0ba9\u0bcd\u0bae\u0bc8 \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b8a\u0bb0\u0bcd\u0ba8\u0bbf\u0bb2\u0bc8\u0b95\u0bcd\u0b95\u0bc1 \u0b8f\u0bb1\u0bcd\u0bb1\u0bc1 \u0bb5\u0ba8\u0bcd\u0ba4\u0bbe\u0bb2\u0bcd, \u0ba8\u0bc0\u0b99\u0bcd\u0b95\u0bb3\u0bcd \u0b9c\u0bc0\u0bb5\u0ba9\u0bcd \u0bae\u0bb1\u0bcd\u0bb1\u0bc1\u0bae\u0bcd \u0bb5\u0bb3\u0b99\u0bcd\u0b95\u0bb3\u0bc8\u0b95\u0bcd \u0b95\u0bc8\u0baf\u0bbe\u0bb3 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":7112,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"editor_notices":[],"footnotes":""},"class_list":["post-7161","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized 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