After a short summer break, Pilot’s Portfolio is back with a refreshed format and a new Season (4)!

This next run of episodes is built around real questions Timothy P. Pope, CFP® receives from professional pilots and their families in planning conversations.

This is a two-part deep-dive on one of the biggest questions professional pilots bring to the planning table: “How can we pay less in taxes?”

Whether the number is six figures or simply higher than expected, the starting point is understanding what that number actually represents.

In Part 1, Tim starts with the first step: understanding what the tax number actually means.

Is it total tax liability, withholding, a large April payment, or income that changed unexpectedly?

Tim discusses how W-2 income, spouse income, upgrades, premium flying, capital gains, property sales, inherited IRAs, and deductions can shape the tax picture, while explaining why a write-off should support a sound financial decision rather than drive one.

Follow Pilot’s Portfolio for Part 2, where the conversation moves into tax-efficient investing, tax-loss harvesting, and planning beyond one tax year.

If you’re enjoying Pilot’s Portfolio and finding these conversations helpful, we’d really appreciate a 5-star review on your podcast platform of choice. It helps more professional pilots and their families discover the show:
- Apple Podcasts: https://podcasts.apple.com/us/podcast/pilots-portfolio/id1718915375
- Spotify: https://open.spotify.com/show/5p2Tkf16Q9lV693lHV4Zo9

Have a question you’d like Tim to address, or want to explore how 360 Aviation Advisors helps professional pilots plan around taxes, retirement, investments, and life transitions?
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This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer. 

Is now a good time for pilots to buy a home, or does it make more sense to wait?

In this episode of The Pilot’s Portfolio, Timothy P. Pope, CFP® welcomes back Kevin Walker, and Jade Barnett, respectively CEO and COO of Beacon Relocation, for a mid-year housing market check-in.

Tim, Kevin, and Jade revisit earlier real estate forecasts and discuss how today’s market is actually playing out, from higher mortgage rates and shifting buyer behavior to softer pricing in select markets like Florida.

The conversation also covers why waiting for lower rates or prices may not always pay off, what “marry the property, date the rate” really means, and how pilots should think about buying a home within the bigger picture of cash flow, family needs, retirement savings, and long-term financial planning.

What You'll Learn from This Episode

• The market is not behaving the same everywhere. Some regions are seeing softening, but buyers should not assume every seller is willing or able to take a major discount.
• Florida is one of the clearest examples of market pressure because insurance costs have changed the affordability picture for many buyers.
• Waiting can be expensive. If a buyer is paying rent while waiting for a major home price drop, they need to compare the potential savings against the actual cost of delaying.
• Mortgage rates may not return to the unusually low levels buyers remember from recent years. Pilots should build their plan around today’s numbers first, then look for opportunities to refinance later if rates improve.
• The purchase price still matters most. A refinance may change the rate later, but the buyer still needs to buy a home that fits their budget, cash flow, and long-term plan.
• New construction can offer real opportunities, especially when builders provide incentives or rate buy-downs. But buyers need to look closely at future property taxes, HOA costs, and lender requirements.
• Representation matters. Even with new construction, the builder’s agent usually represents the builder, not the buyer.
• In multiple-offer situations, buyers should know their number before emotions take over. The goal is to make an offer they can live with whether they win or lose.
• Family support is becoming more common as the average first-time homebuyer age rises. But gifted funds, inherited assets, and crypto proceeds need to be coordinated with the lender early.
• Real estate can be a powerful wealth-building tool, but the timeline matters. If a buyer does not expect to stay in the home for at least several years, the numbers deserve extra scrutiny.

Resources:

Visit https://www.beaconrelocation.com/
Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer. 

In this episode, our host, Certified Financial Planner™ and GA pilot, Timothy Pope, speaks directly to Spirit Airlines pilots and families navigating an unexpected and deeply challenging career disruption.

Tim focuses on the practical financial side of the situation, including emergency funds, household burn rate, retirement-account decisions, lower-income-year tax opportunities, and the unique considerations facing pilots nearing retirement age. He also explains why your 401k remains protected, why rushed rollover decisions can create long-term tax consequences, and how thoughtful planning can create flexibility during uncertain times.

What You'll Learn from This Episode

• Why aviation career disruptions require stabilization before optimization
• How emergency funds and brokerage liquidity create flexibility during uncertainty
• Why understanding your household burn rate lowers financial anxiety
• What Spirit pilots ages 55-59 need to know about the 10% IRA penalty
• How bridge strategies can help pilots reach age 59.5 more efficiently
• Why your 401k remains protected during airline bankruptcy proceedings
• Why rolling retirement assets too quickly can create backdoor Roth complications
• How lower-income years may create Roth conversion and tax-planning opportunities
• Why reviewing your tax withholding now could improve near-term cash flow
• How pilots near retirement should think about flexibility, income, and lifestyle changes

Resources:

Listen to How to Prepare for Retirement During Turbulent Times

Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer. 

In this updated re-issue of one of Pilot’s Portfolio’s early conversations, Timothy P. Pope, CFP®, revisits a timely question with compensation expert Kit Darby: what is a pilot career really worth?

Tim adds 2026 reflections throughout, connecting Kit’s insights to today’s planning reality: income should become flexibility, resilience, and long-term options.

When this episode first aired, pilot pay was rising fast, contracts were being reset, and hiring pressure was reshaping the industry. In 2026, the story is more nuanced: compensation remains strong, but fuel costs, slower hiring, cargo volatility, and uncertainty show why income alone is not financial security.

Kit Darby breaks down airline compensation, career value, retirement benefits, and expert witness services.

What You'll Learn from This Episode

• What pilot compensation says about the value of an aviation career.
• Why regional pay, mainline contracts, and retirement contributions should be compared carefully.
• How strong income creates planning opportunities, plus tax, retirement, and cash-flow complexity.
• Why the pilot shortage story has shifted from shortage to supply and demand imbalance.
• How fuel costs, capacity decisions, aircraft delays, and cargo volatility can affect airline economics.
• Why pilots should prepare for downturns before they arrive.
• How expert witness services can calculate career value after injury, loss of medical, or death.

Resources:

Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

Kitdarby.com
2023 Major Airline Salary Survey

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer. 

In this episode, our host, Certified Financial Planner™ and GA pilot, Timothy Pope, breaks down how airline pilots should prepare for retirement during periods of market turbulence, particularly within the final five years before leaving the workforce.

He explains the shift from accumulation to retirement readiness, and why volatile markets don’t require a new philosophy, but a more disciplined and coordinated approach. The episode focuses on structuring your portfolio appropriately, avoiding emotional decisions, using strong current income strategically, and gaining clarity around spending and withdrawals before retirement begins.

What You'll Learn from This Episode

• Why market turbulence has a greater impact as you approach retirement
• How to assess whether your stock, bond, and cash allocation fits your timeline
• Why large emotional investment decisions can be costly late in your career
• How to use strong current income to reduce future retirement pressure
• Why separating required and discretionary spending creates flexibility
• How to begin planning your withdrawal strategy across different accounts
• Why rebalancing and stress testing are key before retirement
• How to recognize if your plan is ready for coordination, not just accumulation

Resources:

Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer. 

In this Peer-to-Peer episode of Pilot’s Portfolio, our host, Certified Financial Planner™ and GA pilot, Timothy Pope sits down with First Officer André for a grounded conversation about discipline, freedom, and how financial habits shape long-term confidence. André shares his path from flight instructing and corporate flying to Envoy, furlough, and eventually American, along with the financial lessons that came with each chapter.

The conversation covers budgeting through uneven airline pay, building safety nets before they are needed, tracking net worth over time, paying off debt, and using discipline to create options. André also talks about how his family background shaped his relationship with money, how marriage changed the financial picture, and why he now thinks more about multiple income streams, not just one airline paycheck. This is a practical, honest episode for pilots who want to hear how a peer thinks through real financial tradeoffs.

What You'll Learn from This Episode

• Why André describes his financial life with one word: discipline. 
•  How his upbringing shaped his early money habits. 
•  What being furloughed in 2020 taught him about preparation. 
•  How he budgets around uneven pilot income. 
•  Why tracking net worth helped reinforce consistency. 
•  How paying off debt increased his sense of freedom. 
•  Why multiple income streams matter more to him now. 
•  How he thinks about risk, investing, and portfolio choices. 
•  The financial habit he values most, and one he is still improving.

Resources:

Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer. 

In this episode, our host Timothy Pope looks at automation in financial planning and investing. For many pilots, automation helped build the emergency fund, grow the 401(k), and create strong saving habits early in the career. But as income rises, taxes increase, and decisions become more complex, automation by itself usually is not sufficient.

Tim explains the shift from simple accumulation to financial coordination. He walks through where automation still shines, where it can quietly create blind spots, and how to recognize when your financial life needs more strategy, judgment, and oversight than financial autopilot can provide.

What You'll Learn from This Episode

• Why automation works so well early on, especially for emergency savings, 401(k) contributions, and habit building.
• How your financial life changes as income, assets, taxes, and goals become more complex.
• The difference between accumulation and coordination, and why they require different thinking.
• Why automation executes instructions well, but does not evaluate multi-year tradeoffs like Roth conversions, retirement timing, or where and when to raise cash.
• How backdoor Roths, tax withholding reviews, and large purchase decisions often require more than a set-it-and-forget-it system.
• Why target date funds can be useful, but may also involve tradeoffs in control, customization, and tax efficiency.
• How to tell if you have outgrown automation-only, including the kinds of questions that signal you are in the coordination phase.
• Why taking back control does not mean doing everything yourself, it means making sure the right strategy is in place.

Resources:

Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer. 

In this episode of Pilot’s Portfolio, Timothy P. Pope, CFP®, Firm Principal and Client Advisor at 360 Aviation Advisors™, is joined by Kevin Walker, Co-Founder/CEO, and Jade Barnett, Co-Founder/COO of Beacon Relocation, to discuss how listeners have received nearly $39,000 back through Beacon’s real estate program.

They break down how the model works on both the buy and sell side, how credits can come back as a check or closing-cost support, and what buyers need to know about buyer broker agreements and negotiable fees. The episode also explores this year’s housing market, including tight inventory below $500,000, more options at higher price points, and practical strategies for buyers and sellers.

What You'll Learn from This Episode

• How Beacon Relocation has helped Pilot’s Portfolio listeners save nearly $40,000 on real estate transactions.
• What buyers should know about broker agreements, negotiable commissions, and hidden fees.
• How Beacon’s model works on both the buy and sell side, and where the savings come from.
• What Kevin and Jade expect from this year’s housing market, including inventory, rates, and competition.
• How buyers and sellers can make smarter decisions through better research, preparation, and negotiation.

Resources:

Visit https://www.beaconrelocation.com/
Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer. 

In this Q&A episode of Pilot’s Portfolio, Timothy P. Pope, CFP®, Founder and Principal of 360 Aviation Advisors™, answers three listener questions that surface real-world friction inside airline retirement planning.

First, a Southwest pilot asks whether taking NEC as Roth impacts their ability to contribute or convert to a private Roth IRA.

Next, a Delta pilot seeks clarity on the difference between 401k, 401a, Roth, and after-tax contributions, and how contribution sequencing affects tax strategy and long-term flexibility.

Finally, Tim walks through donor-advised funds, including how they work, how they can reduce taxable income, and the 2026 tax law changes pilots should understand before making charitable contributions.

What You'll Learn from This Episode

• How donor-advised funds can reduce taxable income in high-income years

• Why appreciated stock donations may be more efficient than cash

• Whether NEC as Roth affects Roth IRA contributions

• The difference between Roth and after-tax inside airline retirement plans

• How 402g and 415(c) limits work together

• Why contribution order matters for high earners

• How to avoid accidentally crowding out tax-advantaged space

Resources:

Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer. 

In this episode, our host, Certified Financial Planner™ and GA pilot, Timothy P. Pope explains a new option for Southwest pilots, taking their NEC as Roth starting in 2026. He covers what NEC is, how Secure 2.0 made Roth employer contributions possible, and how Southwest is rolling this out.

Tim walks through what changes when you elect Roth NEC, including how it shows up on your W-2, what happens with federal income tax and FICA, and why some pilots could be under withheld if they do not plan ahead. He also shares simple examples to frame the decision, how tax bracket and time horizon matter, and how pilots at other airlines can use in plan Roth conversions even if they do not have a Roth NEC election.

What You'll Learn from This Episode

• What NEC is for Southwest pilots and how it fits into overall retirement benefits.
• How Secure 2.0 opened the door for Roth employer contributions and why Southwest is early to adopt.
• What changes when NEC is taken as Roth, including W-2 reporting and the lack of automatic income tax and FICA withholding.
• Why combined tax rate, years until retirement, and other income sources all matter when you consider Roth NEC.
• How pilots at other majors can still convert NEC to Roth through in plan conversions, and why paying tax from outside assets is usually preferred.
• Why Roth NEC is a tool, not a default answer, and why this episode is education, not personalized tax or investment advice.

Resources:

Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer.