The Pilot’s Advisor Podcast

The #1 Investing Lesson For Pilots From 2024

Ryan Fleming, The Pilot’s Advisor, shares the #1 lesson he learned about investors in 2024: successful investing isn’t sexy or flashy.
Forget stock picking, market timing, or chasing the next big thing. Ryan explains why disciplined, diversified investing is the real key to long-term wealth—and how trying to “get rich quick” often leads to losing it all.
 
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

The 4 Things Financial Advisors Wish Every Pilot Knew

Imagine you could read your financial advisor’s mind before you even walked through the door for the first time. What would they want you to know? In this episode, we bring you the game-changing insights financial pros wish every saver and investor understood.
Discover the four crucial insights that can transform your retirement planning and investment strategy. From understanding real risk potential and the motivations behind financial information to the value of long-term planning and the comprehensive nature of financial planning beyond just investments, this episode can benefit pilots at any stage of their career.
Here’s what we cover in this episode:
0:00 – Intro
1:17 – Real risk potential
3:20 – Understanding the motivation of information
5:56 – The value of long-term planning
7:05 – More than just investments
 
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

Is Timing Your 401k Contributions As Bad As Timing The Market?

In this episode, we dive into the question of timing 401k contributions and whether it’s as risky as timing the market. The discussion explores strategies for maximizing contributions, including the pros and cons of contributing early versus waiting for market conditions to improve. Key topics include the impact of market volatility, the importance of long-term investing, and why dollar-cost averaging can be a smart approach. Ultimately, the goal is to ensure you’re consistently maximizing your 401k to take full advantage of retirement savings, regardless of market fluctuations.
Here’s what we cover in this episode:
0:00 - Intro
0:32 – Investing is for the long-term
1:12 – Maxing out your 401k
 
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
 

How Retirement Planning is Different For Gen X

When we start talking about Generation X and Millennials and how their planning is going to be different from Baby Boomers, we have some pretty significant adjustments to make. If you haven’t evolved with the changing financial world we live in, then you need to check out this video with Ryan.
Join us to learn about the critical need for embracing technology and AI in managing investments. The days of passive strategies and simply building a diversified portfolio are being challenged by the rapid advancements in trading technologies and the increasing complexity of financial markets. If you’re a Gen X pilot who wants to be as prepared as possible, check out today’s show.
 
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

Market Volatility: When Should You Start To Worry?

People are often told not to worry about a market crash when they’re younger because time is on their side, but what happens when you no longer have the benefit of a long time horizon? Should you take the threat of a market correction or crash differently?
In today’s episode, Ryan shares insights on the importance of understanding time horizons over age and highlights the common pitfalls pilots face, such as over-reliance on the S&P 500.
Here’s what we cover in this episode:
0:00 - Intro
1:41 – At what age do you need to worry about a market crash?
3:45 – The average employee vs. pilots.
7:15 – 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

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