This week’s episode of the Terry’s Talkin’ podcast is live, with cleveland.com columnist Terry Pluto and host David Campbell.

Readers had questions about cash balance plans after a recent Journal story, and we have answers.

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Amorn Suriyan / Getty Images Free cash flow (FCF) is the amount of cash a business has leftover after paying for all of its expenses, showing its ability to generate cash beyond its operational needs.

As a business owner, a cash balance plan is an amazing way to reduce your tax liability and play catch-up for retirement. How much could a cash balance plan save you?