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I'm Ellen DC president of North Star Financial Planners in Plantation Florida our firm specializes in helping miami-dade firefighters make better decisions with their money I want to talk to you today about a huge mistake that we see so many firefighters make and most of the time they don't even realize it it's a problem with the deferred comp plan and like I said it's mistake that we see so many firefighters make and as you'll see in a moment it costs them thousands of dollars in taxes but first off I want to be really clear and tell you that I think your deferred comp plan is great it's awesome if you're not utilizing it and utilizing it fully then you're probably missing the boat but when it comes to the in-service loan provisions there's a serious issue now I know a lot of you think that having the ability to borrow money when you need it against your plan is a great idea right I hear all the time that in the fire station there's talk about the advantage is that you're actually pay

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