Airline Pilots
Financial Planning for Airline Pilots
Commercial airline pilots face early mornings, late nights, and constant change in their chosen career. When it comes to planning for your finances, you need someone who understands the unique challenges of your job. Sandy Wade understands. Sandy is a pilot spouse and has the lived experience to meet you where you’re at.
Two Phases, One Goal: Financial Independence
Accumulation
1. Building Your Foundation
We help you set clear savings goals for retirement, holding you accountable to your goals while still enjoying your money today. As part of your comprehensive service, we’ll review your airline benefits to help you make the most of any profit sharing, PRAP account, or other benefits.
Accumulation services include:
- ENUA (net unrealized appreciation) strategies for company stock accrual
- ENavigating airline benefits packages (experienced in United and American)
- EOpen enrollment conversations
- EReview of your spouse’s retirement savings and workplace benefits
- ERetirement account projections and saving recommendations
Distribution
2. Creating Sustainable Income
Creating a distribution model that meets your retirement income needs is a hands-on process. Together we’ll sort through your savings and benefits, including airline retirement plans, Social Security, IRAs, personal savings, and more. Our goal is to develop a tax-efficient plan that allows you to enjoy a 30+ year retirement.
Distribution services include:
- EInsurance recommendations for life and long-term care
- EMedicare advice and support
- ERMD notifications (if applicable)
- EBeneficiary review reminders and coordination
Ongoing Planning & Support
No matter where you’re at in life, our comprehensive services will cover these key areas of financial planning:
Cash Flow
Managing savings and short-term financial goals with an eye on your long-term success
Wealth Management
Long-term goals and retirement considerations, including investment allocation and management
Risk Management
Insurance review and advice for life, health, long-term care, and more
Estate Planning
Beneficiary review, will and trust review, collaboration with your attorney
Advanced Tax Planning
Tax-optimized withdrawal strategies and investment recommendations
Roth Conversion Strategies
Strategies to minimize taxes on your retirement savings
SECURE Act 2.0
Review and deployment of retirement/tax strategies based on SECURE Act 2.0
Ready to Get Started?
Work with a like-minded advisor who understands a pilot’s career. Contact Sandy Wade today.