Pilot Planning

Roundtable Discussions

The Roundtable Discussions are designed to assist you in planning for your retirement and are a good resource for your questions. Unlike seminars, they are informal and held in a more personal setting where your concerns drive the discussion. We encourage you to bring any questions or materials that[...]

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ClearWealth® Confidential Questionnaire

The ClearWealth® Confidential Questionnaire (CCQ) will help form the basis for your customized investment and retirement plan. By evaluating your investments, business interests, real estate, cash, income requirements, risk tolerance and other factors, we can offer a strategy that is best suited to[...]

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Risk Tolerance Questionnaire

To take our risk tolerance questionnaire, click here.

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Airline Pilot Retirement Success Tips

Over the years, I’ve seen many pilots transition to retirement successfully while others struggle. What is the difference between those who succeed and those who don’t? Those who have a difficult time are often those who aren’t emotionally prepared for retirement. While the first step for a[...]

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Inherited IRAs Not Protected From Bankruptcy

In a previous blog post, Family Wealth Creation & Preservation: Multi-Generational IRA, I discussed the opportunity many pilots have in enhancing their legacy by turning their IRA savings into a multi-generational tax shelter for their families. However, a recent Supreme Court ruling (Clark v. Ramek[...]

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New After-Tax Rollover Rules: Helpful and Tax Payer Friendly

While not widely used or known, some employer sponsored retirement plans, including pilot 401(k) plans, allow you to put after-tax money into the account. This is different from a Roth 401(k), which is also after-tax but subject to salary deferral contribution limits. These after-tax contributions m[...]

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Survivorship Guidance Planning

Just like a pilot’s responsibility extends well beyond the Flight Plan, wealth management means more than just having an investment plan. We view wealth management as managing all aspects of a family’s financial life. As a family, how do you prepare for the unexpected -- such as the loss of a lo[...]

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Family Wealth Creation & Preservation: Multi-Generational IRA

Did you know that you might already have a multi-generational tax shelter that can multiply your family wealth? It’s your IRA! For the pilots I work with, their IRA is typically their single largest asset. They worked hard accumulating those assets and want to make sure they are sufficient for [...]

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The Art of Retirement Income: Making the Most of Your Savings

When I work with pilots to create a retirement income stream, I liken it to mountain climbing. If you ask most people what the goal of mountain climbing is, they often say “to get to the top”. The real goal is to not only make the climb up, but to get back down the mountain safely. In fact, more[...]

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What is a Financial Plan?

The financial landscape for pilots has changed since 2008, requiring a new and focused process for you to meet your retirement planning goals. Pilots have to realize that they need to take a more active role in their financial planning, but it requires time, knowledge, expertise and confidence. Many[...]

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