The Pilot’s Advisor Podcast

How The Fed Rate Cut Impacts Money Market Funds

Money market funds have been a go-to option for many pilots, especially during periods of rising interest rates. They offered a seemingly safe haven with attractive returns compared to traditional savings accounts. However, as the Fed begins to cut rates, the allure of these funds is being questioned.
Today we’ll share insights on whether these funds still hold value in today's economic landscape.
Here’s what we cover in this episode:
0:00 - Intro
1:04 – Will money market funds lose popularity?
3:08 – Outpacing inflation
4:05 – Retirement toolkit
 
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

Can You Live Off Dividends?

Let’s tackle a question that many retirees ponder: Is living off dividends a viable retirement income strategy? Investors will often look to dividends as a source of income in retirement so let’s talk about the potential pitfalls and benefits of relying solely on dividend-paying stocks.
Tune in as Ryan explains the role of dividend investing in his eyes and shares other strategies to consider when it comes to funding your retirement. Dividends are just one tool you can utilize to reach your income goals so understanding the various strategies is essential in planning.  
Here’s what we cover in this episode:
0:00 - Intro
1:56 – Other strategies to consider
2:48 – Closing thoughts
 
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

Planning Essentials for Pilots Nearing Retirement

This ​is ​a ​special ​edition ​of ​the ​Pilots ​Advisor ​podcast ​with ​Ryan ​Fleming. ​He ​had ​a ​recent ​guest ​appearance ​on ​the ​Wealth ​Warehouse ​podcast ​where ​Ryan ​shared ​essential ​insights ​for ​pilots ​nearing ​retirement ​or ​planning ​for ​the ​future. ​
In ​the ​episode, ​he ​breaks ​down ​effective ​strategies ​for ​building ​stability ​through ​tools ​like ​dividend-paying ​whole ​life ​insurance. ​And ​he ​discusses ​the ​critical ​concept ​of ​seeing ​sequence ​of ​returns ​risk, ​a ​factor ​that ​can ​significantly ​impact ​retirement ​savings ​if ​not ​managed ​properly.
Here’s what we cover in this episode:
0:00 - Intro
1:17 – Accumulation phase
5:06 – Whole life policies
9:07 – Insurance costs
15:14 – Be your own banker
 
Watch the full interview on Wealth Warehouse: https://www.youtube.com/watch?v=kzGH5wXPDXQ
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: Should I Fly Until Age 65?

As a pilot, you've spent countless hours navigating the skies, managing complex flight systems, and ensuring the safety of your passengers. But when it comes to navigating your retirement, there’s often more questions than answers. In this episode, Ryan answers a critical question from a listener about flying until 65 or whether there is flexibility to retire earlier?
 
Here’s what we cover in this episode:
0:00 - Intro
0:28 – Practice retirement.
2:21 – Social Security.
4:13 – Planning for the unexpected.
5:31 – Taking the first step.
 
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

Never Stop Asking 'How Do You Know?' - Helping Pilots Navigate Retirement Planning

As a pilot, you've spent years mastering the complexities of flight. But when it comes to planning for retirement, do you find yourself asking, "How do I know?" Understanding the right questions to ask and finding the answers is crucial for securing your financial future. In this episode, we dive deep into the essential retirement planning questions every pilot should be asking.
 
Here’s what we cover in this episode:
0:00 - Intro
6:49 – Figuring out how much income you’ll need for retirement.
9:17 – How much should you have in savings?
12:40 – Determining your risk tolerance.
15:28 – Fees.
17:35 – Finding the right advisor.
19:53 – What is Ryan looking for in a client?
 
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

Infinite Banking & Other Pilot Strategies with the Wealth Warehouse

Today we have a special edition of the show where we’re going to share Ryan’s recent appearance on the Wealth Warehouse show with David Befort and Paul Fugere. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism.
 
Here’s what we cover in this episode:
0:00 - Intro
2:37 – Your 401k custodian
5:23 – What drew Ryan to infinite banking?
9:32 – Life insurance considerations
14:13 – Planning for retirement
18:32 – The retirement toolkit
22:15 – Setting up your children for financial success
27:53 – Getting the government out of your finances when possible.
 
Check out the Wealth Warehouse YouTube channel: https://www.youtube.com/@Thewealthwarehousepodcast
 
Retire Pilots - https://retirepilots.com
 
Get your FREE Retirement Toolkit - https://bit.ly/3ZmZsaX
 
Pilot Tax - https://pilot-tax.com/
 
The Pilot's Advisor Podcast is also on video. Watch & Subscribe on YouTube: https://bit.ly/3EIEBW2

Should you invest through Howard Capital Management?

Pilots are always looking for investing strategies that can help them grow their money and we’ve introduced quite a few people to Howard Capital Management. Today we are going to share our experience with their investments and why it might be worth considering if you want something a little different than the traditional funds.  
 
Here’s what we cover in this episode:
0:00 – Intro
1:35 – Howard Capital
4:17 – A different approach
7:59 – Managing expectations
15:11 – Equities vs real estate
17:11 – Embracing volatility
 
Connect with Lee: https://www.leehyder.com/ 
Learn more about Howard Capital: https://howardcmfunds.com/ 
 
Retire Pilots - https://retirepilots.com
Get your FREE Retirement Toolkit - https://bit.ly/3ZmZsaX
Pilot Tax - https://pilot-tax.com/
The Pilot's Advisor Podcast is also on video. Watch & Subscribe on YouTube: https://bit.ly/3EIEBW2

Deep Thoughts on the Market & Investing with Lee Hyder

As we move past Memorial Day and into the summer, we’re excited to welcome back Lee Hyder of Lee Hyder & Associates today to reflect on where the market currently stands and the investing strategies pilots should be focused on for long-term success.
We always appreciate the perspective Lee brings to the show and wanted to get his deep thoughts on a few different topics. During this episode, he shares his insights on diversification, the importance of staying in the market, and the pitfalls of emotional investing. Plus, we dive into some amusing personal anecdotes and Lee's take on Bitcoin.
 
Here’s some of what we discuss in this episode:
0:00 – Intro
1:17 – Memorial Day recap
7:41 – What’s going on with the market
11:17 – Investing inefficiencies
15:13 – Recent flight experience
19:13 – Secrets to building long-term wealth
27:26 – What makes investors unhappy?
31:40 – Bitcoin
 
Connect with Lee: https://www.leehyder.com/
 
Retire Pilots - https://retirepilots.com
 
Get your FREE Retirement Toolkit - https://bit.ly/3ZmZsaX
 
Pilot Tax - https://pilot-tax.com/
 
The Pilot's Advisor Podcast is also on video. Watch & Subscribe on YouTube: https://bit.ly/3EIEBW2

Mastering the Art of Simple Retirement Planning for Airline Pilots

Retirement planning doesn’t have to be overwhelmingly complicated. In fact, it doesn’t have to be as complicated as most people tend to make it. In this episode, we’re going to unravel some of the unnecessary complexities that are often woven into the fabric of retirement advice.
Ryan will debunk some of the myths, simplify some strategies for us, and uncover the beauty of simplicity and straightforward planning. Pilots need to create redundant systems in retirement planning like they do when flying, and that's what we want to highlight today. 
 
Here’s what we cover in this episode:
0:00 - Intro
0:55 – Update on Ryan’s mom
2:57 – Who is responsible for complicating things?
6:54 – Traits that pilots possess
8:50 – Where pilots trip up the most
14:55 – Steps to simplify things
20:32 – How we help pilots simplify
 
Retire Pilots - https://retirepilots.com
 
Get your FREE Retirement Toolkit - https://bit.ly/3ZmZsaX
 
Pilot Tax - https://pilot-tax.com/
 
The Pilot's Advisor Podcast is also on video. Watch & Subscribe on YouTube: https://bit.ly/3EIEBW2

Expectation vs. Reality: The Truth About Retirement Planning

Some people just need a reality check when it comes to understanding their retirement. Today, we'll explore why a realistic approach to retirement, inclusive of financial planning and the potential for unexpected challenges, is crucial.
We’ll take a look at four different examples of times when expectations don’t match up with reality for pilots, and Ryan will share his expertise to help you get a better understanding of the complexities that we address in planning.
 
Here’s what we cover in this episode:
0:00 – Intro and personal up
2:06 – Manage your expectations
6:02 – Changing expenses
12:05 – Making adjustments
14:04 – Don’t be too proud to get help
 
Retire Pilots - https://retirepilots.com
 
Get your FREE Retirement Toolkit - https://bit.ly/3ZmZsaX
 
Pilot Tax - https://pilot-tax.com/
 
The Pilot's Advisor Podcast is also on video. Watch & Subscribe on YouTube: https://bit.ly/3EIEBW2