Pilot Planning

Market Timing vs. Retirement Planning… Do You Know The Difference?

Can a market timing newsletter help you arrive safely at your retirement destination? A recent CNN Money article, “American Airlines employees locked out of 401(k) funds,” reported on pilots who had been banned for a year from trading in their T. Rowe Price 401(k) plans because they had been[...]

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Investment Basics: Rebalancing

When we work with our pilot clients, we follow a disciplined process to make the most of their retirement plan over time. We follow a number of steps to develop a customized financial plan, and then build a portfolio that we believe will accomplish that plan. One important step in our work with [...]

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Medicare 101

You have enough to worry about in coordinating all of your airline benefits paperwork as your mandatory retirement date begins to approach: retirement benefits, health benefits, annuity elections, and of course your last flight details. So when you turn 65 you go on Medicare, right? If it were only [...]

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How to Maximize Your Pension Plan Payments in Retirement

Your airlines pension plan, or defined benefit plan (A Plan/PBGC), is designed to provide you with a lifetime of income in retirement ? your retirement “paycheck”. The income you receive from your pension plan is determined by a formula based on years of service, your earnings and age. When the [...]

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401(k) vs Roth 401(k)

There are several tax deferred, qualified retirement programs available to employees in the private and government sectors today. With these different programs and the many variables affecting each choice, it can be a formidable exercise to sort through the entire list of programs available to an in[...]

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The True Costs of Investing – What Are They?

Often when I talk with people planning for retirement they are concerned with what they are going to have to “pay.” Just like anything purchased in life, fees, expenses and other costs should always be considered in retirement planning. However, what you want out of your purchase should be consi[...]

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How do You Find a Financial Advisor?

Finding advisors is easy. Most of the time they find you! Sometimes that happens through friends, family or co-workers…but does that mean that that advisor is a good fit for you? What are some things that you should consider when selecting an advisor? Here are a few things I’d suggest: • Wh[...]

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Survey Says: Pilots Engaged in Retirement Planning ? Most Want A Financial Plan and Professional Guidance

A recent comprehensive survey of pilots on retirement planning confirms what I have found to be true over the 15 years I have worked with pilots. The survey results showed that pilots are aggressive savers, are more likely to be engaged in planning to reach their retirement goals and take full adva[...]

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PBGC Benefits Review

In our work with airline pilot prospects and 400+ airline pilot clients over the past 15 years, we have provided extensive guidance/advice on defined benefit and defined contribution pension programs elections and options. And, as a result of all the industry bankruptcies and mergers, we have also [...]

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Proper Planning Prevents Poor Performance

This old adage has been around for some time now. As far as its origins, some sources believe that it was born out of the military. If you were in the military then you know that I left out a few words that make it more colorful! In any event, this statement rings true in most aspects of life. Wh[...]

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