Join Timothy P. Pope, CFP®, in a profoundly important episode of Pilot's Portfolio, where he tackles the uncomfortable yet crucial topic of estate and financial planning for pilots. With a recent tragic aviation incident as a backdrop, Tim highlights the necessity of being prepared for unforeseen events. This discussion is not just about planning for growth and success but ensuring stability and security for your loved ones.

What You'll Learn from This Episode:

• Understanding Estate Planning: The critical importance of having a comprehensive and up-to-date estate plan as a pilot.
• Financial Organization: Tips on organizing your finances so that you or your loved ones can easily access important information when needed.
• Life Insurance Essentials: The role of life insurance in providing for your family's future and how to ensure your policies are aligned with your current life stage.
• Navigating Discussions on Tough Topics: Strategies for having those tough but necessary financial planning conversations with your spouse or family.
• Actionable Steps for Preparedness: Practical advice on setting up beneficiaries, understanding the implications of property titles, and ensuring all financial documents are in order.

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 Pope is a Certified Financial Planner™. Cetera Investors is a marketing name of Cetera Investment Services. Securities and insurance products offered through Cetera Investment Services LLC, member FINRA, SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Tim’s Branch Office is located at 5200 77 Center Drive, Suite 330, Charlotte, NC 28217. The branch phone number is 704-717-8900.

The views depicted in this material are for information purposes only and are not necessarily those of Cetera Investment Advisers.

This Podcast is designed to provide accurate and authoritative information on the subjects covered. It is not, however, intended to provide specific legal, tax, or other professional advice. For specific professional assistance, the services of an appropriate professional should be sought.

In this insightful solo episode, Timothy P. Pope, CFP®, explores how pilots can maintain command over their personal finances amidst market turbulence and external economic factors. Tim emphasizes the importance of focusing on what pilots can control in their financial planning, from responding to market conditions to proactive financial strategies. Join Tim as he guides you through managing the uncertainties of the financial world with confidence and clarity.

What You'll Learn from This Episode:

• Control Your Financial Inputs: How pilots can effectively manage their reaction to economic changes and market conditions.
• Strategic Financial Planning: Tim discusses the importance of proactive financial planning and adapting strategies based on current economic landscapes.
• Navigating Economic Policies and Market Reactions: Insights into dealing with uncontrollable economic factors and their impacts on personal finances.
• The Importance of Staying Invested: Why staying in the market and regular contributions and rebalancing beats trying to time the market, especially in volatile times.
• Long-term Financial Goals and Retirement Planning: Strategies for securing financial stability as pilots approach retirement, including considerations for asset allocation and retirement income planning.

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 Pope is a Certified Financial Planner™. Cetera Investors is a marketing name of Cetera Investment Services. Securities and insurance products offered through Cetera Investment Services LLC, member FINRA, SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Tim’s Branch Office is located at 5200 77 Center Drive, Suite 330, Charlotte, NC 28217. The branch phone number is 704-717-8900.

The views depicted in this material are for information purposes only and are not necessarily those of Cetera Investment Advisers.

This Podcast is designed to provide accurate and authoritative information on the subjects covered. It is not, however, intended to provide specific legal, tax, or other professional advice. For specific professional assistance, the services of an appropriate professional should be sought.

Join Timothy P. Pope, CFP®, and Kevin Walker, CEO of Beacon Relocation as they discuss real estate benefits specifically tailored for pilots and air traffic controllers. Recorded shortly after the PSA and army helicopter crash, this episode acknowledges the recent tragedy. This episode focuses on financial savings in real estate transactions for pilots and air traffic controllers. Kevin shares his decades of experience in real estate and how his company has grown from serving Air Traffic Controllers to include professional pilots through Beacon Relocation's specialized services.

What You'll learn from this episode:

• Specialized Real Estate Services: Learn how Beacon Relocation offers significant rebates and  services tailored for pilots engaging in real estate transactions.
• Current Market Insights: An update on the real estate market trends in major Airline hubs. 
• Recent Changes In Regulations: Learn how recent changes in real estate regulations has given buyers more control over their transaction.
• Community Support: Reflections on the impact of recent aviation incidents on the community and the role of solidarity and support among aviation professionals.

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 Pope is a Certified Financial Planner™. Cetera Investors is a marketing name of Cetera Investment Services. Securities and insurance products offered through Cetera Investment Services LLC, member FINRA, SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Tim’s Branch Office is located at 5200 77 Center Drive, Suite 330, Charlotte, NC 28217. The branch phone number is 704-717-8900.

The views depicted in this material are for information purposes only and are not necessarily those of Cetera Investment Advisers.

This Podcast is designed to provide accurate and authoritative information on the subjects covered. It is not, however, intended to provide specific legal, tax, or other professional advice. For specific professional assistance, the services of an appropriate professional should be sought.

Join Timothy P. Pope, CFP®, in this informative episode of Pilot's Portfolio as he discusses the latest updates and changes in retirement contributions for pilots. Tim discusses the implications of increased contribution limits and how these adjustments can impact your financial planning. Additionally, he shares an IRS provision that bugs him concerning retirement savings. Tim invites listeners to share their feedback, what do you think about the new IRS savings rules?

What You'll learn from this episode:

• Updates to 401k Contributions: Learn about the increased elective deferral limits for 2025, rising to $23,500, and what it means for your retirement planning.
• Non-Elective Contributions Update: Get the latest on non-elective contributions from major carriers like American, Delta, Southwest and United which are set to increase in 2026.
• IRA and Roth IRA Insights: Understand the unchanged contribution limits for IRAs and why many pilots might not benefit from traditional IRA deductions.
• Debating the IRS Provisions: Tim discusses the nuances of the IRS's retirement saving provisions, including the 'super catch-up' contributions for those aged 60-63.
• Health Savings Accounts (HSA) Tips: Updates on HSA contribution limits for 2025 and strategies to maximize the growth of these funds for healthcare expenses.

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 Pope is a Certified Financial Planner™. Cetera Investors is a marketing name of Cetera Investment Services. Securities and insurance products offered through Cetera Investment Services LLC, member FINRA, SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Tim’s Branch Office is located at 5200 77 Center Drive, Suite 330, Charlotte, NC 28217. The branch phone number is 704-717-8900.

The views depicted in this material are for information purposes only and are not necessarily those of Cetera Investment Advisers.

This Podcast is designed to provide accurate and authoritative information on the subjects covered. It is not, however, intended to provide specific legal, tax, or other professional advice. For specific professional assistance, the services of an appropriate professional should be sought.

Welcome to "Pilot's Portfolio" formerly known as the Pilot Money Podcast. 
In our inaugural episode of the new season and under a new banner, Timothy P. Pope, CFP®, reintroduces the show with fresh insights and a renewed focus. As we begin a new year of financial planning for professional pilots, Tim discusses the recent market results, the implications for your investments, and strategies to ensure you're not "falling asleep at the yoke."

What You'll learn from this episode:

• A New Season for Pilot's Portfolio: Discover what's changed and what remains the same in our approach to your financial education.
• Last Year's Market Overview: Analysis of recent market performances and their implications for your investment strategy.
• Navigating Upcoming Financial Challenges: Practical advice on maintaining vigilance with your investment portfolio in changing economic conditions.
• Season Outlook: Preview of what to expect in terms of content, focus areas, and guest appearances throughout the season.
• Engagement and Feedback: How your input shapes our content and the new interactive opportunities this season offers.

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 Pope is a Certified Financial Planner™. Cetera Investors is a marketing name of Cetera Investment Services. Securities and insurance products offered through Cetera Investment Services LLC, member FINRA, SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Tim’s Branch Office is located at 5200 77 Center Drive, Suite 330, Charlotte, NC 28217. The branch phone number is 704-717-8900.

The views depicted in this material are for information purposes only and are not necessarily those of Cetera Investment Advisers.

This Podcast is designed to provide accurate and authoritative information on the subjects covered. It is not, however, intended to provide specific legal, tax, or other professional advice. For specific professional assistance, the services of an appropriate professional should be sought.

Join Timothy P. Pope, CFP®, as we soar through the most impactful moments of our inaugural season on the Pilot Money Podcast. This special episode compiles the best insights, advice, and discussions from the past year, featuring key financial strategies, listener favorites, and expert tips tailored for pilots. From navigating investments to planning for retirement and beyond, relive the highlights that have equipped our community to tackle their financial challenges with confidence.

Listen to your favorite episodes:

• Apple Podcast: https://podcasts.apple.com/us/podcast/pilot-money-podcast/id1718915375
• Spotify: https://open.spotify.com/show/5p2Tkf16Q9lV693lHV4Zo9

This episode is not just a look back but a springboard into the next season, promising even more valuable content and expert financial guidance for pilots everywhere.

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

Timothy Pope is a Certified Financial Planner™. Cetera Investors is a marketing name of Cetera Investment Services. Securities and insurance products offered through Cetera Investment Services LLC, member FINRA, SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Tim’s Branch Office is located at 5200 77 Center Drive, Suite 330, Charlotte, NC 28217. The branch phone number is 704-717-8900.

The views depicted in this material are for information purposes only and are not necessarily those of Cetera Investment Advisers.

This Podcast is designed to provide accurate and authoritative information on the subjects covered. It is not, however, intended to provide specific legal, tax, or other professional advice. For specific professional assistance, the services of an appropriate professional should be sought.

Join Timothy P. Pope, CFP®, as he dives into crucial year-end financial strategies that can significantly impact your financial health. As 2024 draws to a close, Tim emphasizes the importance of making timely decisions that utilize year-end financial opportunities like Roth conversions, tax loss harvesting, and charitable giving. Each of these strategies has specific deadlines and benefits, making them essential considerations for effective tax planning and long-term financial stability.

What You'll learn from this episode:

• Roth Conversions: Understand the urgency in meeting the December 31st deadline if you’re planning to convert for the 2024 tax year.  
• Tax Loss and Gain Harvesting: Learn how to adjust your portfolio to optimize your tax situation, taking advantage of lower income years or offsetting gains with losses.
• Charitable Contributions: Explore how to maximize your charitable giving impact while benefiting from potential tax deductions, including the use of donor-advised funds for those who haven’t yet decided on specific charities.
• End-of-Year Tax Planning: Tips on how to use the remaining time in the year to adjust your financial strategies to lower your tax bill and prepare for the upcoming year.
• Reflecting on Financial Progress: Tim encourages listeners to reflect on their financial achievements and setups for the next year, ensuring readiness for new opportunities and challenges.

This episode is packed with actionable advice that can help you navigate the complexities of financial planning as the year ends, ensuring you're positioned for success in the coming year.

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

Timothy Pope is a Certified Financial Planner™. Cetera Investors is a marketing name of Cetera Investment Services. Securities and insurance products offered through Cetera Investment Services LLC, member FINRA, SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Tim’s Branch Office is located at 5200 77 Center Drive, Suite 330, Charlotte, NC 28217. The branch phone number is 704-717-8900.

The views depicted in this material are for information purposes only and are not necessarily those of Cetera Investment Advisers.

This Podcast is designed to provide accurate and authoritative information on the subjects covered. It is not, however, intended to provide specific legal, tax, or other professional advice. For specific professional assistance, the services of an appropriate professional should be sought.

Join Timothy P. Pope, CFP®, as he welcomes NMLS 2498573 Bobby Baker, an experienced aviator and mortgage specialist with Trident Home Loans, to the Pilot Money Podcast. In this episode Bobby shares his dual expertise in aviation and home financing, offering tailored mortgage solutions for pilots. Drawing from his unique background in both the military and commercial aviation, Bobby discusses how pilots can navigate the often-complex landscape of home loans, emphasizing options like VA loans and conventional financing.

What You'll learn from this episode:

• Specialized Home Financing for Pilots: Explore how understanding pilot pay structures and career transitions are crucial in securing the right mortgage.
• VA Loans Explained: Bobby breaks down the benefits of VA loans for qualifying pilots, including no down payment and no private mortgage insurance requirements.
• Investment and Second Home Strategies: Insights into managing property investments, particularly for pilots interested in acquiring second homes or rental properties.
• Navigating Credit and Loans as a Pilot: How pilots can best prepare for mortgage applications and what unique considerations they should be aware of.
• Real Estate as a Long-term Investment: Bobby shares his perspective on the real estate market for pilots, offering advice on buying, selling, and renting properties.

Resources:
Trident Home Loans
Bobby Bake LinkedIn
Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

Timothy Pope is a Certified Financial Planner™. Cetera Investors is a marketing name of Cetera Investment Services. Securities and insurance products offered through Cetera Investment Services LLC, member FINRA, SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Tim’s Branch Office is located at 5200 77 Center Drive, Suite 330, Charlotte, NC 28217. The branch phone number is 704-717-8900.

The views depicted in this material are for information purposes only and are not necessarily those of Cetera Investment Advisers.

This Podcast is designed to provide accurate and authoritative information on the subjects covered. It is not, however, intended to provide specific legal, tax, or other professional advice. For specific professional assistance, the services of an appropriate professional should be sought.

Join Timothy P. Pope, CFP®, as he explores what to expect during open enrollment, a key time for pilots to reassess and select their benefits for the upcoming year. As we approach the end of 2024, it's essential to make informed decisions that align with both your immediate needs and long-term financial goals. This episode provides a thorough breakdown of the various benefits available—from health insurance to legal benefits—and how to choose well based on your personal circumstances.

What You'll Learn from This Episode:

• Strategies for Open Enrollment: Tim discusses how to evaluate and select health insurance plans, including the pros and cons of HSAs and FSAs.
• Maximizing Your Benefits: Insights into leveraging employer and union benefits including life insurance and legal aid.
• Special Considerations for Pilots: Specific advice for pilots dealing with unique employment structures and how to optimize benefits accordingly.
• Planning for Life Changes: How to adjust your benefits in response to major life events like marriage, children, divorce or changes in employment.
• Financial Planning Integration: Tips on integrating your benefit choices into your broader financial strategy to enhance security and reduce taxes.

This episode is packed with actionable advice to help pilots navigate open enrollment and make choices that suit their financial needs.

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

Timothy Pope is a Certified Financial Planner™. Cetera Investors is a marketing name of Cetera Investment Services. Securities and insurance products offered through Cetera Investment Services LLC, member FINRA, SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Tim’s Branch Office is located at 5200 77 Center Drive, Suite 330, Charlotte, NC 28217. The branch phone number is 704-717-8900.

The views depicted in this material are for information purposes only and are not necessarily those of Cetera Investment Advisers.

This Podcast is designed to provide accurate and authoritative information on the subjects covered. It is not, however, intended to provide specific legal, tax, or other professional advice. For specific professional assistance, the services of an appropriate professional should be sought.

Join Timothy P. Pope, CFP®, in a special crossover episode from his appearance on the "Ready 4 Pushback" podcast, hosted by Nik Fialka, recorded on March 18, 2024. In this episode, Tim shares financial advice for pilots, particularly focusing on veterans transitioning to civilian aviation careers. Tim delves into the nuances of managing finances in such transitions, emphasizing the importance of understanding and maximizing military benefits for a secure financial future.

What You'll learn from this episode:

• Securing Financial Stability in Transition: Strategies for maintaining financial health during the shift from a military to a civilian flying career.
• Maximizing Military Benefits: How to leverage benefits like the Thrift Savings Plan and military pensions to secure your financial future.
• Home Buying Advice for Pilots: Considerations for pilots looking to purchase their next home, taking into account year 1 pay, military retirement, interest rates and VA loan benefits. 
• Healthcare Planning Across Airlines: Tips for navigating healthcare options and planning for varying coverage for your post military career.
• Financial Planning Tools: Introduction to financial planning tools that can aid pilots in making informed financial decisions throughout their careers.

This episode provides a rich discussion that blends expert financial planning advice with practical tips tailored specifically for pilots at various stages of their careers, from active military service to commercial aviation.

Resources:
Ready for Pushback - Spotify | Apple Podcasts
Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

Timothy Pope is a Certified Financial Planner™. Cetera Investors is a marketing name of Cetera Investment Services. Securities and insurance products offered through Cetera Investment Services LLC, member FINRA, SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Tim’s Branch Office is located at 5200 77 Center Drive, Suite 330, Charlotte, NC 28217. The branch phone number is 704-717-8900.

The views depicted in this material are for information purposes only and are not necessarily those of Cetera Investment Advisers.

This Podcast is designed to provide accurate and authoritative information on the subjects covered. It is not, however, intended to provide specific legal, tax, or other professional advice. For specific professional assistance, the services of an appropriate professional should be sought.