The Pilot’s Advisor Podcast

Rethink Your Thinking: The Case for Whole Life Insurance

✈️ Retire Pilots the Right Way!
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/ 
What if the safest part of your portfolio wasn’t bonds, but something with guarantees, liquidity, and tax advantages? In this special episode, we’re sharing Ryan’s recent appearance on the Wealth Warehouse podcast, where he sat down with David Befort and Paul Fugere to talk about whole life insurance, infinite banking, and why these strategies deserve a second look.
Here’s what we cover in this episode:
💡 Whole life insurance as a fixed-income alternative
🔑 Infinite banking and the “and asset” concept
📉 Protecting against sequence of returns risk
✈️ Pilots’ unique retirement planning challenges
🏦 Why premiums aren’t bills but wealth-building deposits
 
Check out the Wealth Warehouse YouTube channel: https://www.youtube.com/@Thewealthwarehousepodcast
Retire Pilots - https://retirepilots.com
Pilot Tax - https://pilot-tax.com/
The Pilot's Advisor Podcast is also on video. Watch & Subscribe on YouTube: https://bit.ly/3EIEBW2

The Truth About Today’s Mortgage Market with Kelly Phillips

✈️ Retire Pilots the Right Way!
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/ 
Why do today’s mortgage rates feel worse than they really are? When it comes to real estate and mortgages, timing and perspective make all the difference. In this episode, Ryan sits down with Kelly Phillips, Mortgage Expert and Branch Manager at Fairway Mortgage, who brings more than 25 years of experience to the conversation. With a front-row seat to the shifting housing market, Kelly shares her insights on today’s rates, buyer hesitation, and what really determines the best time to buy.
Here’s what we cover in this episode:                                                                            
📉 Why rates feel high (but aren’t historically)
🏠 How inventory keeps today’s market a seller’s game
⏳ Why waiting could cost more than buying now
🔄 The refinance conversation: when it does and doesn’t make sense
📊 Lessons from 2008, 2020, and today’s market
Contact Kelly Phillips, Mortgage Expert & Branch Manager at Fairway Home Mortgage
843-209-8805
kelly.phillips@fairwaymc.com 
www.yourfairwaylender.com  
 
Retire Pilots - https://retirepilots.com
Get your FREE Retirement Toolkit - https://d74164fb.pages.infusionsoft.net/
Pilot Tax - https://pilot-tax.com/
The Pilot's Advisor Podcast is also on video. Watch & Subscribe on YouTube: https://bit.ly/3EIEBW2

Autopilot to Retirement? What Pilots Need to Know About Target-Date Funds

✈️ Retire Pilots the Right Way!
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/
 
Target-date funds just passed $4 trillion in assets. They’re now the default investment in many 401(k)s, and millions of Americans are using them without really understanding how they work. So, are they a smart choice… or just the easiest one? In this episode, Ryan breaks down why target-date funds, despite their popularity, might not be the best fit for pilots navigating toward retirement.
Here’s what we cover in this episode:
🛫 Why target-date funds are now the default, but not always the best
🧾 What’s inside a target-date fund (and what’s missing)
🚨 The major risks of a “one-size-fits-all” retirement plan
💸 How layering target-date funds leads to lack of diversification
🔍 Why pilots need a customized investment and distribution strategy
Retire Pilots - https://retirepilots.com
 
Get your FREE Retirement Toolkit - https://d74164fb.pages.infusionsoft.net/
 
Pilot Tax - https://pilot-tax.com/
 
The Pilot's Advisor Podcast is also on video. Watch & Subscribe on YouTube: https://bit.ly/3EIEBW2

Unlock Refunds Using 2025 Solar Credits with Ed Lyon

✈️ Retire Pilots the Right Way!
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/ 
What if you could get a tax refund from 2022, using a move you make in 2025? In this episode, Ryan sits down with one of the biggest names in tax strategy: Ed Lyon. You may have seen him on CNN, Fox News, CNBC, or MSNBC, or read one of his books. Dubbed “America’s Funniest Tax Guy,” Ed has trained thousands of CPAs and advisors to help clients legally pay less, and now he’s revealing a little-known solar tax strategy that many pilots could benefit from, but only if they act before the window closes.
Here’s what we cover in this episode:
⚡️ Solar Hack = Instant Refunds?
💰 Tax Credits from Thin Air?
🕵️‍♂️ 2025’s Legal Loophole Revealed
✈️ Why Pilots Have the Edge
🔥 Act Before This Window Slams Shut
 
If you want to follow up with Ed, you can email him directly here: edwardalyon@gmail.com
Learn more about what he does here:
https://edwardalyon.com/ 
https://taxmasternetwork.com/ 
 
Retire Pilots - https://retirepilots.com
Get your FREE Retirement Toolkit - https://d74164fb.pages.infusionsoft.net/
Pilot Tax - https://pilot-tax.com/
The Pilot's Advisor Podcast is also on video. Watch & Subscribe on YouTube: https://bit.ly/3EIEBW2

What Pilots Miss About Money Discipline

✈️ Retire Pilots the Right Way!
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/ 
As a pilot, you're trained to anticipate risk and build backup systems, but are you applying that same mindset to your financial future? In this episode, Ryan answers a smart listener question about legacy planning, life insurance, and tax-efficient wealth transfer. Ryan explains why many pilots overlook permanent life insurance, like an overfunded whole life policy, until later in life, and how that delay can limit its full potential.
Here’s what we cover in this episode:
🛩️ Why pilots think differently about risk and how to use that to your advantage
💵 Overfunded whole life: a powerful (but underused) strategy
🧾 When insurance becomes a tax planning tool
🚫 Why waiting too long makes it more expensive
 
More on Overfunded Whole Life: www.IBC4Pilots.com 
 
How We Help Eliminate Sequence of Returns Risk:
https://www.youtube.com/watch?v=vSsR7Km5XRw 
 
Retire Pilots - https://retirepilots.com
 
Get your FREE Retirement Toolkit - https://d74164fb.pages.infusionsoft.net/
 
Pilot Tax - https://pilot-tax.com/
 
The Pilot's Advisor Podcast is also on video. Watch & Subscribe on YouTube: https://bit.ly/3EIEBW2

What Pilots Miss About Money Discipline

✈️ Retire Pilots the Right Way! 🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/
 
What makes one person obsess over saving for the future while another spends freely, and sometimes recklessly, in the moment? Today, Ryan explores how personal wiring, background, and mindset influence financial behavior. Drawing from personal experience, client stories, and even conversations with his teenage daughter, Ryan explains why small, consistent choices lead to real freedom later in life. This episode will help you better understand your financial habits, and how to shift them for long-term peace and purpose.
Here’s what we cover in this episode:
✈️ How pilot culture shapes financial habits
💰 Starbucks or stock? The decision that compounds
📈 What over-savers and over-spenders miss
🧾 Taking care of legacy planning matters before it's too late
🎯 The secret power of forced discipline
 
Retire Pilots - https://retirepilots.com
 
Get your FREE Retirement Toolkit - https://d74164fb.pages.infusionsoft.net/
 
Pilot Tax - https://pilot-tax.com/
 
The Pilot's Advisor Podcast is also on video. Watch & Subscribe on YouTube: https://bit.ly/3EIEBW2
 

Mailbag: Trading Options? Think Again, Captain

✈️ Retire Pilots the Right Way! 🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/ 
 
Today’s story is all too familiar: a pilot nearing retirement, intrigued by a cockpit conversation about options trading, only to watch his portfolio nosedive.
In this episode, Ryan gets candid about why jumping into options (especially in your 50s) might not be the best option for a secure retirement. With decades of experience guiding pilots, Ryan explains how speculation, stock picking, and chasing “hot tips” can wreck even the best-laid glide paths.
Here’s what we cover in this episode:
🚫 Why options trading is playing with fire
📉 A cautionary tale: one pilot’s 60% loss
🧠 The psychology behind poor investing choices
✈️ “Don’t take financial advice from a pilot”
🛑 How to avoid sabotaging your own retirement
 
Get your FREE Retirement Toolkit - https://d74164fb.pages.infusionsoft.net/
 
The Pilot's Advisor Podcast is also on video. Watch & Subscribe on YouTube: https://bit.ly/3EIEBW2

No Empty Nest in Sight? How Pilots Can Still Land a Smooth Retirement

✈️ Retire Pilots the Right Way!
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/
 
Raising kids used to follow a predictable pattern: they grow up, move out, and you finally get the house to yourself. But for many pilots today, that “empty nest” moment keeps getting delayed. In this episode, Ryan dives into the emotional and financial turbulence of raising adult children while planning for retirement. If your kids are still living at home, boomeranging back, or needing long-term financial help, Ryan shares what that really means for your retirement runway.
Here’s what we cover in this episode:
🏡 Why adult kids are staying home longer
💸 How to support without sabotaging your plan
🛫 Retirement prep when your “nest” is full
🚧 Setting healthy financial boundaries
 
Pilot Tax - https://pilot-tax.com/
The Pilot's Advisor Podcast is also on video. Watch & Subscribe on YouTube: https://bit.ly/3EIEBW2

Mailbag: Should You Sell Inherited Land to Pay Off Your Mortgage?

✈️ Retire Pilots the Right Way!
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/ 
 
In this episode, Ryan answers a thoughtful listener question from Shirley, a pilot who recently inherited a parcel of land from her uncle. With a mortgage still on her home and retirement a few years away, Shirley wonders: should she sell the land to become debt-free or hold on to it and explore other options?
Ryan shares the key considerations when deciding what to do with inherited real estate, especially when it’s not an income-producing asset.
Here’s what we cover in this episode:
🏡 Land vs. liquidity? (It depends on your goals)
💸 Should you rush to pay off your mortgage?
📉 When “dead assets” slow your growth
🧾 Why details matter in inheritance decisions
📊 Why timing and interest rates make all the difference
 
💸 Home Equity & Mortgage YouTube video:
https://www.youtube.com/watch?v=j37WkBP0Yd4 

The 4% Rule Just Changed—What That Means for Your Flight Plan to Retirement

The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision? In this episode, Ryan explores the implications of the updated withdrawal rate, highlighting the crucial caveats that may make or break your retirement strategy.
Here’s what we cover in this episode:
🧐 What the 4% Rule Really Meant (and Why It’s Shifting)
💣 How Inflation, Taxes & Risk Impact Your Withdrawal Rate
⚖️ Pros & Cons of Fixed-Income-Heavy Portfolios
🪣 How bucket strategies and guardrails protect your plan
 
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/
 
The Pilot's Advisor Podcast is also on video. Watch & Subscribe on YouTube: https://bit.ly/3EIEBW2