The Pilot’s Advisor Podcast

✈️ Retire Pilots the Right Way!
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/ 
Southwest pilots were hit with a major retirement change and fast. With little advance notice, Southwest rolled out a new NEC Roth option that allows company contributions to flow into a Roth 401(k), creating a powerful opportunity for long-term tax-free growth. Today we’re reacting to this big retirement news with the help of pilot tax specialist Zach Smith and breaking down exactly what this change means.
This video explains why this option is so unique: for the first time, pilots can potentially have most of their 401(k) contributions—both employee and employer—go into Roth accounts. That’s a massive shift for pilots facing growing tax problems in retirement due to large tax-deferred balances. Ryan and Zach walk through how Secure Act 2.0 made this possible, where to find the election on the Schwab site, and why pilots should double-check their investment elections if they’ve never used Roth before.
We answer all the FAQs on this here: https://retirepilots.com/2026/01/southwests-new-nec-roth-option-what-pilots-must-know/
 
Here’s what we cover in this episode:
✈️ What the New NEC Roth Option Is
💸 Why This Is a Big Deal for Pilots
⚠️ The Biggest Gotcha: No Tax Withholding
🖥️ How to Actually Elect the Option
🧠 Roth vs. Deferred: Distribution-Phase Reality
 
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

✈️ Retire Pilots the Right Way!
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/ 
2025 was loud… tariffs, market swings, tax headlines, and nonstop uncertainty. But not everything that made the news actually mattered for your long-term plan. In this year-end conversation, Ryan reflects on what truly impacted investors, what tested discipline, and why staying unemotional proved more valuable than reacting to headlines. Listen in to separate the noise from the lessons and head into 2026 with clarity and confidence.
Here’s what we cover in this episode:
🌍 Tariffs & Markets: Uncertainty and volatility in the market
🧾 Big Beautiful Bill: Real financial implications
📉 Market Lessons: Having discipline during turbulence
🔮 Looking Ahead: Positioning for 2026
🎄 Year-End Note: Perspective and gratitude
 
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

✈️ Retire Pilots the Right Way!
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/ 
United pilots are being asked to make a major retirement election by the end of the year and the plan hasn’t even received IRS approval. The election window for 2027 Pilot Contributions is open until December 31 for the proposed United Airlines Pilot Cash Balance Plan (the ‘CBP’). To help you better understand your options and what it could mean for your retirement, we’ve invited pilot tax specialist Zach Smith to unpack what’s happening, why it’s happening, and what pilots should understand before making a decision that could impact their long-term financial flexibility.
As airline compensation has increased and employer contributions have grown, more pilots are running into IRS limits on 401(k) contributions. To address the “spillover,” airlines like Delta and American introduced cash balance plans and alternative retirement vehicles. United is now following suit, but without full clarity, final plan details, or an opt-out option.
Ryan and Zach walk through the two primary options United pilots are facing: the CBP or HRA, along with the trade-offs of each.
Here’s what we cover in this episode:
✈️ Why Pilots Are Hitting 401(k) Contribution Limits
📉 Cash Balance Plans Explained
🏥 HRAs and Medical-Only Dollars
⚠️ The Risk of Forced Decisions Without Full Details
🧠 A Practical Approach in an Uncertain Situation
 
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

✈️ Retire Pilots the Right Way!
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/ 
In this episode, Ryan continues last week’s discussion on elevating the retirement planning conversation for pilots. Find out how asking smarter, planning-focused questions about taxes, Social Security, debt, risk, and investing can empower you to make more confident retirement decisions. Move past surface-level concerns and learn how to structure your thinking for long-term results.
Here’s what we cover in this episode:
🧾 Tax Strategy: planning beyond this year’s bill
🎂 Social Security: fitting benefits into income plan
🏠 Mortgage Strategy: managing debt instead of rushing payoff
⚖️ Risk Management: matching risk to time horizon
📉 Market Timing: avoiding emotional, short-term reactions
 
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

✈️ Retire Pilots the Right Way!
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/ 
Most people think the key to better retirement planning is getting better answers, but Ryan argues it really starts with asking better questions. In this episode, he talks about how reframing the basics leads to clearer thinking, better decisions, and a plan that fits your life. Discover the crucial shifts in mindset and the specific questions that can transform not just your retirement strategy, but your entire approach to financial planning.
Here’s what we cover in this episode:
📘 Financial Literacy Matters: why most people were never taught the basics
🔁 Reframing Retirement Questions: better questions = better outcomes
🏥 Long-Term Care Reality: what to ask before choosing insurance
💸 Value Over Fees: how to measure real advisor worth
⚖️ Cost vs. Benefit: knowing when paying for help pays off
 
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

✈️ Retire Pilots the Right Way!
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/ Getting married in your 50s often means you’re combining lives, but not necessarily combining finances. How do you build a retirement plan together when you’ve both already built your own? In this episode, Ryan answers a listener’s question about navigating financial and emotional security in later-life marriages. Financial independence and emotional connection aren’t opposites, you can keep your accounts separate, but your retirement plan should still be built together.
Here’s what we cover in this episode:
🎖️ Veterans Day Greetings: honoring service and sharing personal updates
🧠 Emotional & Financial Security: balancing independence with connection
💬 Open Communication: why honesty about money is essential for trust
💵 Retirement Readiness: aligning income, savings, and lifestyle goals
👨‍👩‍👧 Family Dynamics: protecting children and legacy from previous marriages
 
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

✈️ Retire Pilots the Right Way!
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/ 
This week, Thanksgiving takes center stage and your finances get a seat at the table! Ryan serves up a fun, insightful discussion where holiday favorites like parades, turkey carving, and football run parallel with the keys to successful retirement planning. Discover why consistency in investing is like the annual parade, how carving the turkey mirrors smart distribution in retirement, and why it pays to plan for plenty of financial leftovers.
Here’s what we cover in this episode:
🦃 Thanksgiving Plans & Traditions: how holiday rhythms mirror financial habits
🎈 Parades & Planning: staying focused on direction in your financial life
🍽️ Feast Prep & Market Timing: why timing the market is as tricky as timing the turkey
🏈 Football & Investing: understanding strategy, patience, and long-term plays
😴 Post-Meal Nap: the peace of a financial plan you can relax into
 
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

✈️ Retire Pilots the Right Way!
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/ 
If you’re an American Airlines pilot, you’re facing a major decision: whether to participate in the newly announced Market-Based Cash Balance Plan. Ryan is joined once again by Zach Smith from Pilot Tax to break down how the plan actually works, what AA pilots need to know, and the long-term tax consequences many pilots aren’t thinking about. Most importantly, we explore how this decision affects retirement flexibility, future RMDs, and your ability to control your own investment strategy.
Here’s what we cover in this episode:
🛩️ What AA’s new plan really is: how the Market-Based Cash Balance Plan works behind the scenes
📉 Lack of control & conservative investing: why the pooled structure limits growth
💥 The tax time-bomb problem: how spillover contributions worsen future RMDs
💰Roth vs. spillover strategy: why many AA pilots should consider opting out
📊 A better long-term approach: controlling taxes, liquidity, and retirement flexibility
 
Get in touch with Zach: https://pilot-tax.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

✈️ Retire Pilots the Right Way!
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/ 
This Veterans Day episode of The Pilot’s Advisor features Zach Smith from Pilot Tax for a deep dive into one of the biggest challenges facing airline professionals: retirement tax planning. Ryan and Zach explain why airline contracts that fund 18–19% of pay into 401(k)s create future RMD headaches, how Roth strategies can help you gain long-term control, and why taxable brokerage accounts can be a powerful, flexible alternative to overfunded retirement plans.
Here’s what we cover in this episode:
💰 The unique tax challenges that pilots face
🧾 Why deferring taxes isn’t always smart🚀 Roth accounts = long-term freedom📊 Taxable brokerage accounts offer flexibility⚖️ True tax diversification = balance + control
 
Get in touch with Zach:
info@pilot-tax.com
317-984-7666
https://pilot-tax.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

✈️ Retire Pilots the Right Way!
🎁 Grab your FREE Retirement Toolkit now → https://d74164fb.pages.infusionsoft.net/ 
As mortgage rates fluctuate and the real estate market adjusts, pilots and investors alike are wondering, what’s next? In this episode, Ryan sits down with Christopher Zarnik, a fellow FedEx pilot and mortgage broker, to unpack today’s housing and lending landscape. Christopher also shares practical advice on navigating today’s market and invites listeners to reach out with their mortgage or homebuying questions.
Here’s what we cover in this episode:
📈 Inflation Reality: how rate hikes and cuts shape the housing market
💰 Refinancing Rules: when it makes financial sense (and when it doesn’t)
🏦 Mortgage Fees 101: which costs are negotiable and how to lower them
🔒 Lock It In: why waiting for lower rates can backfire
💸 Borrow Smart: use the bank’s money and keep your assets working
 
Positive Rate Mortgage: https://www.positiveratemortgage.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