✈️ Retire Pilots the Right Way!

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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

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Pilot Tax - https://pilot-tax.com/

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