# Pilot Advisor Match

> Fee-only financial advisors for commercial airline pilots — retirement-at-65, pension decisions, loss-of-medical, captain upgrade planning.

## Core pages

- [Pilot Advisor Match — Financial Advisors for Commercial Airline Pilots](https://financial-advisors-for-pilots.com/): Fee-only financial advisors who specialize in pilot finances — age-65 retirement planning, pension decisions, loss-of-medical disability, and airline-specific 401(k) optimization.
- [Airline Pilot Total Compensation Calculator 2026](https://financial-advisors-for-pilots.com/airline-pilot-total-compensation/): Airline pilot salary numbers omit per diem, company 401(k) NEC, and profit sharing — which add $30,000–$120,000+ annually. Calculate your true total comp and understand what each component means for your financial plan.
- [Captain Upgrade Savings-Rate Optimizer](https://financial-advisors-for-pilots.com/captain-upgrade-calculator/): Just made captain? This calculator shows exactly where each dollar of your pay jump should go — 401(k) maximization, HSA, and taxable investing — and projects three retirement scenarios to mandatory retirement at 65.
- [Pilot Disability Coverage Calculator — How Much Loss-of-License Insurance Do You Need?](https://financial-advisors-for-pilots.com/disability-coverage-calculator/): Calculate your exact disability coverage gap as a pilot. Enter income, age, and existing benefits to see how much loss-of-license insurance you actually need and what filling the gap costs.
- [Pilot Pension Lump-Sum vs Annuity Calculator](https://financial-advisors-for-pilots.com/pension-lump-sum-calculator/): Enter your airline pension offer and find your break-even age. Compares lump sum vs lifetime annuity for Delta, United, American, Southwest, and other major carrier pilots.
- [Airline Pilot 401(k) Deferral Room Calculator (§415c 2026)](https://financial-advisors-for-pilots.com/pilot-415c-calculator/): How much can you actually contribute to your 401(k) this year? Enter your salary and carrier NEC rate — see your §415(c) bucket, employee deferral room, catch-up eligibility, and overflow strategy for 2026.
- [Airline Pilot Domicile Tax Savings Calculator (2026)](https://financial-advisors-for-pilots.com/pilot-domicile-tax-calculator/): See exactly how much a domicile change saves an airline pilot in state income taxes. Enter your income, current state, and target state — get annual savings, 10-year wealth impact, and state-by-state comparison for 2026.
- [Airline Pilot Life Insurance Calculator: How Much Do You Need?](https://financial-advisors-for-pilots.com/pilot-life-insurance-calculator/): Calculate how much additional term life insurance you need as a commercial airline pilot — accounting for pension survivor benefits, employer group coverage, ALPA policy, and the mandatory age-65 retirement constraint.
- [Airline Pilot Per Diem Tax Rules + Calculator (2026)](https://financial-advisors-for-pilots.com/pilot-per-diem-calculator/): Is your per diem tax-free? Depends on whether it's overnight or same-day. Use our interactive calculator to see how much of your pilot per diem is taxable in 2026 — and what shows up in W-2 Box 12 Code L.
- [Regional to Mainline Career Income Calculator](https://financial-advisors-for-pilots.com/regional-to-mainline-calculator/): Should you wait for mainline or build your career at the regional? This calculator models cumulative income and projected retirement savings under both paths — to mandatory retirement at 65.
- [Pilot Retirement-at-65 Calculator](https://financial-advisors-for-pilots.com/retirement-at-65-calculator/): Compressed-timeline retirement calculator for commercial pilots. Models the gap to mandatory retirement age 65 with airline-specific savings rates.
- [Social Security Bridge Calculator for Airline Pilots](https://financial-advisors-for-pilots.com/social-security-bridge/): Mandatory retirement at 65 creates a unique Social Security decision. This calculator compares claiming at 65, 67, or 70 — and shows what each strategy costs your portfolio.

## Guides & articles

- [Airline Bankruptcy: What Happens to Your Pension, 401(k), and Benefits](https://financial-advisors-for-pilots.com/airline-bankruptcy-financial-planning/): What really happens to your 401(k), pension, disability insurance, and life insurance when your airline files for bankruptcy — with case studies from United, Delta, American, and Spirit Airlines.
- [Switching Airlines: The Complete Financial Checklist for Pilots](https://financial-advisors-for-pilots.com/airline-career-switch/): Voluntarily switching airlines — regional to mainline, mainline to cargo, or a lateral move? The financial checklist every pilot needs: 401(k) rollover, insurance gaps, vesting cliffs, pension decisions, and COBRA timing.
- [Airline Merger Financial Planning for Pilots](https://financial-advisors-for-pilots.com/airline-merger-financial-planning/): What happens to your 401(k), pension, seniority, and group insurance when your airline is acquired — with case studies from Alaska/Hawaiian, Republic/Mesa, and Allegiant/Sun Country.
- [Airline Pilot 401(k) and Profit-Sharing Guide (2026)](https://financial-advisors-for-pilots.com/airline-pilot-401k/): How airline pilot 401(k) plans and profit-sharing work at Delta, United, American, and Southwest — and how to maximize the $72,000 annual additions limit in 2026.
- [Airline Pilot Retirement Benefits Comparison: 401(k), Pension & Profit Sharing by Carrier (2026)](https://financial-advisors-for-pilots.com/airline-retirement-benefits-comparison/): Side-by-side comparison of retirement benefits at every major U.S. airline. NEC percentages, overflow mechanisms, DB pension status, PBGC ceiling risk, and profit-sharing history — everything you need to evaluate your airline's package.
- [Alaska Airlines Pilot Financial Planning: 17% NEC, Dual-Tier Retirement, and JCBA](https://financial-advisors-for-pilots.com/alaska-airlines-pilot-financial-planning/): Financial planning guide for Alaska Airlines pilots. How the 17% company NEC contribution, the pre-2010 frozen pension cohort, the Hawaiian Airlines JCBA, and the §415(c) squeeze shape retirement strategy in 2026.
- [Allegiant Air Pilot Financial Planning: Match-Based 401(k), Nevada Domicile, and the Sun Country Merger](https://financial-advisors-for-pilots.com/allegiant-air-pilot-financial-planning/): Financial planning guide for Allegiant Air pilots. How the match-based 401(k) differs from mainline NEC programs, the Nevada state tax advantage, no DB pension, and what the 2026 Sun Country merger means for retirement.
- [American Airlines Pilot Financial Planning: Frozen Pension, 18% NEC + 4% Match](https://financial-advisors-for-pilots.com/american-airlines-pilot-financial-planning/): Financial planning guide for American Airlines (APA) pilots. How the frozen A Plan pension, 18% NEC plus 4% match, the 415(c) bucket squeeze above $277K, minimal profit sharing, and mandatory retirement at 65 shape your 2026 retirement strategy.
- [Atlas Air Pilot Financial Planning: 16% NEC, No Pension, and Private-Equity Ownership](https://financial-advisors-for-pilots.com/atlas-air-pilot-financial-planning/): Financial planning for Atlas Air pilots. How the 16% company NEC works, the 415(c) squeeze at captain income levels, ACMI per diem strategy, domicile tax analysis (ANC/MIA/SEA vs. JFK/LAX), and retirement planning with no DB pension.
- [Captain Upgrade: What to Do With the Pay Jump](https://financial-advisors-for-pilots.com/captain-upgrade-planning/): The 6-month window after upgrading to mainline captain is the highest-leverage planning moment in a pilot's career. Specific moves that compound.
- [Cargo Pilot Financial Planning: FedEx, UPS & Atlas Air Retirement Strategy](https://financial-advisors-for-pilots.com/cargo-pilot-financial-planning/): Financial planning for cargo airline pilots at FedEx, UPS, and Atlas Air. How the FedEx PRSP, UPS triple-stack pension, and age-65 mandatory retirement rule shape your strategy.
- [How to Choose a Financial Advisor for Airline Pilots: Questions, Credentials & Red Flags](https://financial-advisors-for-pilots.com/choosing-a-pilot-financial-advisor/): Not every financial advisor understands mandatory retirement at 65, airline pension decisions, or loss-of-license disability. Here's how to find one who does — and the 10 questions to ask before you hire.
- [Corporate & Fractional Pilot Financial Planning: NetJets, Flexjet & Part 135](https://financial-advisors-for-pilots.com/corporate-pilot-financial-planning/): Financial planning for corporate and fractional pilots at NetJets, Flexjet, Wheels Up, and Part 135 charter operators. How to build wealth without an airline pension.
- [Delta Air Lines Pilot Financial Planning: No DB Pension, Maximum DC](https://financial-advisors-for-pilots.com/delta-pilot-financial-planning/): Financial planning guide for Delta Air Lines pilots. How the 18% MBCBP contribution, 8.9% profit sharing, the 415(c) overflow mechanism, and the 2006 pension termination shape your retirement strategy in 2026.
- [Endeavor Air Pilot Financial Planning: CAP Flow to Delta, Tiered 401(k) Match, and Base Tax Strategy](https://financial-advisors-for-pilots.com/endeavor-air-pilot-financial-planning/): Financial planning guide for Endeavor Air pilots. The tiered 401(k) match (3%–12.5%), CAP vs. DGI program comparison, Roth arbitrage before your Delta upgrade, base city tax analysis (NYC vs. CVG/KY at 3.5%), and what to do financially in your Delta-transition year.
- [Envoy Air Pilot Financial Planning: 401(k) Strategy and the Flow-Through to American Airlines](https://financial-advisors-for-pilots.com/envoy-air-pilot-financial-planning/): Financial planning guide for Envoy Air (American Eagle) pilots. The 3.5% 401(k) match, flow-through timeline to American Airlines, Roth arbitrage at regional income, domicile at DFW and MIA, and what to do before you upgrade.
- [FedEx Pilot Financial Planning: PRSP Strategy, 2028 MBCBP Transition & Tax Advantage](https://financial-advisors-for-pilots.com/fedex-pilot-financial-planning/): Financial planning for FedEx cargo pilots. How the PRSP 9% non-elective contribution works, the 2028 Market-Based Cash Balance Plan transition, Tennessee's zero income tax advantage, and retirement strategy at $300K–$450K+ income.
- [Frontier Airlines Pilot Financial Planning: 15% NEC, No Pension, ULCC Planning in 2026](https://financial-advisors-for-pilots.com/frontier-airlines-pilot-financial-planning/): Financial planning guide for Frontier Airlines pilots. How the 15% 401(k) NEC, the absence of any pension, §415(c) dynamics at ULCC captain income, Denver domicile vs. zero-tax bases, and ongoing contract renegotiation shape retirement planning in 2026.
- [Furloughed Airline Pilot: A Financial Survival and Recovery Guide](https://financial-advisors-for-pilots.com/furlough-planning/): What to do financially the moment a furlough hits: 401(k) decisions, COBRA vs. marketplace, pension protection, Roth conversion opportunities, and reinstatement planning.
- [Financial Planning for Airline Pilots: The Complete Guide](https://financial-advisors-for-pilots.com/guides/financial-planning-pilots/): Full-career financial guide for commercial airline pilots — regional to mainline, pension decisions, loss of medical, retirement at 65.
- [Hawaiian Airlines Pilot Financial Planning: Dual Pension Stack, 401(k) Strategy & Hawaii Tax](https://financial-advisors-for-pilots.com/hawaiian-airlines-pilot-financial-planning/): Financial planning guide for Hawaiian Airlines pilots. The dual retirement stack (DB pension + 15% NEC 401k), the 415(c) squeeze at captain income, Hawaii's 11% income tax and domicile strategy, and JCBA planning in the Alaska Air Group merger transition.
- [Horizon Air Pilot Financial Planning: 401(k) Match, Alaska Pathways, and the Pacific Northwest Tax Advantage](https://financial-advisors-for-pilots.com/horizon-air-pilot-financial-planning/): Financial planning guide for Horizon Air pilots: the match-based 401(k) structure you must fund to receive, Alaska Pathways upgrade timeline, Pacific Northwest zero-tax domicile strategy, and pre-flow planning checklist for 2026.
- [International Airline Pilot Tax Planning: FEIE, State Taxes & Retirement](https://financial-advisors-for-pilots.com/international-pilot-tax/): US pilots flying for Emirates, Qatar Airways, Cathay Pacific, or other foreign carriers: how to use the FEIE ($132,900 in 2026), avoid state tax traps, and protect retirement savings.
- [JetBlue Pilot Financial Planning: 17% NEC, No Pension, Planning in 2026](https://financial-advisors-for-pilots.com/jetblue-pilot-financial-planning/): Financial planning guide for JetBlue Airlines pilots. How the 17% 401(k) NEC, the absence of any defined-benefit pension, §415(c) squeeze at captain income, profit sharing volatility, and base-city domicile strategy shape retirement planning in 2026.
- [Pilot Loss of Medical: Disability Insurance Guide for Airline Pilots (2026)](https://financial-advisors-for-pilots.com/loss-of-medical/): Why group LTD fails pilots, what loss-of-license coverage actually covers, the 60-day new-hire window you cannot miss, and how much coverage a mainline captain actually needs. Verified 2026.
- [Medicare at 65 for Airline Pilots: Your Mandatory Enrollment Guide](https://financial-advisors-for-pilots.com/medicare-at-65/): Unlike most professions, airline pilots can't delay Medicare past 65. Here's what that means for your HSA, IRMAA surcharges, and retiree health coordination.
- [Military Pilot Transition to Airlines: Financial Planning Guide](https://financial-advisors-for-pilots.com/military-to-airline/): Financial planning for military pilots transitioning to airline careers. How to handle your TSP, military pension, SBP election, VA disability, and TRICARE as you move to a Part 121 carrier.
- [Air National Guard & Air Force Reserve Pilot Financial Planning](https://financial-advisors-for-pilots.com/national-guard-reserve-pilot-financial-planning/): Financial planning for Guard and Reserve pilots flying Part 121 commercially. Two retirement systems, TSP + airline 401(k), TRICARE Reserve Select, SBP election, and the age-65 mandatory retirement constraint.
- [Airline Pilot New Hire Financial Checklist: The Decisions That Can't Wait](https://financial-advisors-for-pilots.com/new-hire-checklist/): The financial moves new airline pilots must make in their first 90 days — disability insurance enrollment windows, 401(k) setup, beneficiary designations, and first-year mistakes to avoid.
- [Pilot Pension: Lump Sum vs Lifetime Annuity](https://financial-advisors-for-pilots.com/pension-lump-sum-vs-annuity/): How to evaluate an airline pilot pension buyout. Discount rate math, longevity assumptions, and when each choice wins.
- [Airline Pilot Pension Survivor Benefits: The Election You Can't Take Back](https://financial-advisors-for-pilots.com/pension-survivor-benefits/): How joint-and-survivor elections work for airline pilots, what they cost, and when the pension maximization strategy makes sense. The decision is irrevocable — get it right.
- [Piedmont Airlines Pilot Financial Planning: 401(k) Match, $25K Accrual & Flow to American](https://financial-advisors-for-pilots.com/piedmont-airlines-pilot-financial-planning/): Financial planning guide for Piedmont Airlines (American Eagle) pilots. How to maximize the tiered 401(k) match, use the $25,000 accrual benefit, make the Roth decision at regional income, and prepare for the flow to American Airlines.
- [Airline Pilot 401(k) Investment Allocation: Why Target-Date Funds Miss the Mark](https://financial-advisors-for-pilots.com/pilot-401k-investment-allocation/): How to invest your airline 401(k) when mandatory retirement at 65 changes the math. Why target-date funds underserve pilots, pension as a bond substitute, company stock concentration, and allocation by career stage.
- [Airline Pilot 401(k) Rollover: When to Move and When to Stay](https://financial-advisors-for-pilots.com/pilot-401k-rollover/): Should you roll your airline 401(k) to an IRA or stay in the plan? The Rule of 55, backdoor Roth pro-rata trap, and creditor protection all depend on this decision. A complete guide for commercial pilots.
- [529 College Savings for Airline Pilots: Superfunding, State Tax Deductions & SECURE 2.0 Roth Rollover](https://financial-advisors-for-pilots.com/pilot-529-college-savings/): High-income airline pilots can't rely on financial aid. How to maximize 529 plans through superfunding, state tax deductions by domicile, and the SECURE 2.0 529-to-Roth rollover — coordinated with your airline retirement stack.
- [Airline Pilot Charitable Giving Strategy: DAFs, QCDs & Profit-Sharing Timing (2026)](https://financial-advisors-for-pilots.com/pilot-charitable-giving/): High-income pilots have unique giving leverage: DAFs, bunching, appreciated stock, and QCDs can cut your tax bill significantly. Here's how to coordinate charitable giving with profit-sharing, IRMAA, and IRA beneficiary planning.
- [Airline Pilot Nonqualified Deferred Compensation: Delta's 2026 NQDC Plan Explained](https://financial-advisors-for-pilots.com/pilot-deferred-compensation/): Delta's 2026 NQDC plan lets eligible pilots defer up to 75% of flight pay tax-deferred — but the bankruptcy risk is completely different from your 401(k). Here's the complete guide.
- [Airline Pilot Divorce: Dividing Pensions, 401(k)s, and Benefits](https://financial-advisors-for-pilots.com/pilot-divorce-qdro/): Airline pilot divorce involves pension QDROs, 401(k) splits, and an irrevocable survivor election that must be handled in the right order. What you need to know before the decree is final.
- [Retiring Before 65 as an Airline Pilot: The Complete Early Exit Guide](https://financial-advisors-for-pilots.com/pilot-early-retirement/): The FAA mandates you stop flying at 65 — not that you must fly until 65. Here's the financial math for early retirement at 60, 62, or 63: portfolio bridge, pension early commencement, healthcare gap, Social Security timing, and the Rule of 55.
- [Estate Planning for Airline Pilots: What Your Will Doesn't Cover](https://financial-advisors-for-pilots.com/pilot-estate-planning/): Beneficiary designations, ERISA rules, and trust strategies specific to airline pilots. Your 401(k), pension, and life insurance pass outside your will — most pilots have outdated designations.
- [Airline Pilot Financial Independence: FIRE Math With a Mandatory Retirement Clock](https://financial-advisors-for-pilots.com/pilot-financial-independence/): Reaching financial independence as an airline pilot is different. The mandatory age-65 FAA retirement changes the calculation, the income curve, and the healthcare bridge. Here's how pilots model FIRE.
- [10 Financial Mistakes Airline Pilots Make — And How to Avoid Them](https://financial-advisors-for-pilots.com/pilot-financial-mistakes/): The most expensive financial mistakes airline pilots make — missing the disability enrollment window, blowing the Roth arbitrage at regional pay, fumbling the captain upgrade, and more. Each one is avoidable.
- [Airline Pilot Financial Planning by Career Stage](https://financial-advisors-for-pilots.com/pilot-financial-planning-by-age/): Age-by-age financial roadmap for commercial airline pilots — from new hire through mandatory retirement at 65. Specific moves at each career stage, with 2026 contribution limits and pilot-specific numbers.
- [Airline Pilot Retiree Health Insurance: Bridging the Gap to Medicare](https://financial-advisors-for-pilots.com/pilot-healthcare-bridge/): Medicare doesn't start at airline retirement — it starts at 65. Here's how to bridge the healthcare gap: COBRA, ACA income management, carrier-specific retiree programs, and the 2026 subsidy cliff every retired pilot needs to know.
- [Home Buying for Airline Pilots: Mortgage Qualification, Per Diem, and Timing](https://financial-advisors-for-pilots.com/pilot-home-buying/): Per diem income isn't counted. Your captain upgrade pay may not qualify yet. Here's how airline pilots navigate mortgage underwriting and when to buy.
- [Airline Pilot HSA Strategy: Triple-Tax Savings and the Retirement-at-65 Timing Trap](https://financial-advisors-for-pilots.com/pilot-hsa-strategy/): How airline pilots should use HSAs as a stealth retirement account in 2026 — and the Medicare 6-month lookback trap that catches pilots who don't plan for mandatory retirement at 65.
- [Life Insurance for Airline Pilots: Exclusions, Amounts, and Strategy](https://financial-advisors-for-pilots.com/pilot-life-insurance/): Commercial airline pilots usually qualify for standard life insurance rates — but aviation exclusion riders can void your coverage. How much you need, what to avoid, and how to coordinate with airline survivor benefits.
- [Airline Pilot Net Worth by Age: Are You on Track for Retirement at 65?](https://financial-advisors-for-pilots.com/pilot-net-worth-benchmarks/): Pilot-specific net worth benchmarks by age and career stage — regional FO, mainline FO, captain. Standard Fidelity benchmarks assume retirement at 67. Pilots retire at 65 by law. The math is different.
- [Airline Pilot Pre-Retirement Checklist: 5-Year Countdown to Age 65](https://financial-advisors-for-pilots.com/pilot-pre-retirement-checklist/): A year-by-year checklist for airline pilots in the 5 years before mandatory retirement at 65. Pension elections, Medicare timing, Social Security bridge, super catch-up contributions, and more.
- [Real Estate Investing for Airline Pilots: Tax Rules, STR Loophole & Strategy](https://financial-advisors-for-pilots.com/pilot-real-estate-investing/): Airline pilots face unique passive activity loss rules that trap rental deductions. The REPS test is nearly impossible to pass. The STR loophole works — if you meet material participation. Here's the full pilot real estate tax framework.
- [Airline Pilot Retirement Income Planning: Managing Your Portfolio After 65](https://financial-advisors-for-pilots.com/pilot-retirement-income-planning/): How to sequence withdrawals, time Social Security, avoid IRMAA, and convert to Roth after mandatory retirement at 65. The decumulation playbook for airline pilots.
- [Airline Pilot Retirement Tax Planning: Pension, Social Security, and RMDs](https://financial-advisors-for-pilots.com/pilot-retirement-tax-planning/): Most retiring airline pilots face a higher tax bill than expected. Pension income, Social Security inclusion, RMDs, and IRMAA stack in ways a working pilot never sees. Here's how to model and manage it.
- [Airline Pilot Roth 401(k) vs Traditional: A Career-Stage Decision Guide](https://financial-advisors-for-pilots.com/pilot-roth-vs-traditional-401k/): At regional FO income, Roth almost always wins. At mainline captain income, Traditional usually does. The full career-stage decision framework — including the 2026 mandatory Roth catch-up rule for captains earning over $150K.
- [Airline Pilot Side Income: SE Tax and Solo 401(k) Strategy](https://financial-advisors-for-pilots.com/pilot-side-income/): Sim instruction, check airman fees, or flight instruction income? Airline pilots with 1099 income have a hidden solo 401(k) opportunity — a separate retirement bucket even if your airline plan is maxed. Here's the math.
- [Airline Pilot Sign-On Bonus: Tax Strategy and What to Do With the Money](https://financial-advisors-for-pilots.com/pilot-signing-bonus/): Signed with a new airline? Your signing bonus is W-2 income, often under-withheld, and can trigger a Roth IRA phaseout and future IRMAA surcharges. Here's how to plan it correctly.
- [Airline Pilot Student Loan Strategy: Paying Off Flight School Debt](https://financial-advisors-for-pilots.com/pilot-student-loans/): How to handle student loan debt on a pilot's income trajectory — from $50K regional FO to $400K mainline captain. SAVE is dead, IBR is your main IDR option, and the invest-vs-payoff math is unique to pilots.
- [Airline Pilot Tax Planning: Domicile Strategy, Per Diem & Deductions](https://financial-advisors-for-pilots.com/pilot-tax-planning/): The tax playbook for mainline and cargo pilots: how state domicile saves $20–50K/year, how per diem actually works, and what W-2 pilots permanently lost post-OBBBA.
- [Airline Pilot VSP & Early Retirement Buyout: Financial Planning Guide](https://financial-advisors-for-pilots.com/pilot-vsp-buyout/): How to evaluate a voluntary separation program (VSP) or early retirement buyout offer as an airline pilot. Pension early commencement, severance tax, healthcare bridge, and the financial decision framework.
- [How to Read Your Airline Pilot W-2 | Box-by-Box Explained](https://financial-advisors-for-pilots.com/pilot-w2-guide/): Your W-2 shows less than your paycheck and that's correct. Learn why Box 1 is lower, where company NEC goes, what Box 12 codes D and AA mean, and what to check for errors.
- [Airline Profit-Sharing Tax Strategy: What to Do With Your February Check (2026)](https://financial-advisors-for-pilots.com/profit-sharing-strategy/): Your annual profit-sharing check is W-2 income hit at full marginal rates. Here's how to plan around it: timing 401(k) deferrals, HSA funding, IRMAA traps, and what to do after accounts are maxed.
- [PSA Airlines Pilot Financial Planning: 401(k) Strategy, Flow to American Airlines & Domicile](https://financial-advisors-for-pilots.com/psa-airlines-pilot-financial-planning/): Financial planning guide for PSA Airlines (American Eagle) pilots. Tiered 401(k) match, flow-through timeline to American Airlines, Roth arbitrage at regional income, domicile across CLT, DFW, PHL, DAY, and DCA, and what to do before your upgrade.
- [Republic Airways Pilot Financial Planning: Tiered 401(k), No Pension, Mesa Merger in 2026](https://financial-advisors-for-pilots.com/republic-airways-pilot-financial-planning/): Financial planning guide for Republic Airways pilots. How the tiered 401(k) match, absence of a DB pension, Mesa merger JCBA negotiations, no guaranteed mainline flow-through, and high-tax crew bases (EWR, DCA, ORD) shape retirement planning in 2026.
- [Airline Pilot Roth Conversion Strategy: When to Convert and How Much](https://financial-advisors-for-pilots.com/roth-conversion-strategy/): Airline pilots have three natural Roth conversion windows: regional FO years, furlough, and the post-65 retirement gap. Here's how to use each one.
- [SkyWest Airlines Pilot Financial Planning: 12% NEC, Profit Sharing, and the Mainline Transition Decision](https://financial-advisors-for-pilots.com/skywest-pilot-financial-planning/): Financial planning guide for SkyWest Airlines pilots. The tiered 401(k) structure, the 10-year NEC cliff, profit sharing math, no §415(c) squeeze, and planning the mainline transition in 2026.
- [Southwest Airlines Pilot Financial Planning: No Pension, Maximum Wealth](https://financial-advisors-for-pilots.com/southwest-pilot-financial-planning/): Financial planning guide for Southwest Airlines pilots. How the 18% NEC, 2% MBCBP, profit sharing, and the 415(c) bucket squeeze shape your retirement strategy — and what to do when the 401(k) room runs out.
- [Spirit Airlines Pilot Financial Planning: 401(k) Rollover, Benefits Transition & Career Planning 2026](https://financial-advisors-for-pilots.com/spirit-airlines-pilot-financial-planning/): Practical guide for former Spirit Airlines pilots: roll over your 401(k), replace lost group insurance, use the low-income transition year for Roth conversions, and plan your next position.
- [Sun Country Airlines Pilot Financial Planning: 15% NEC, Minnesota Taxes, and the Allegiant Acquisition](https://financial-advisors-for-pilots.com/sun-country-airlines-pilot-financial-planning/): Financial planning guide for Sun Country Airlines pilots. How the 15% non-elective 401(k) contribution works, Minnesota state income tax and domicile strategy, what the 2026 Allegiant acquisition means for your benefits, and Roth strategy at Sun Country income levels.
- [United Airlines Pilot Financial Planning: PRAP, CBP, and the RHA Advantage](https://financial-advisors-for-pilots.com/united-pilot-financial-planning/): Financial planning guide for United Airlines pilots. How the 18% PRAP contribution, the CBP spillover, the Retiree Health Account (RHA), and the 2005 pension termination shape your retirement strategy in 2026.
- [UPS Pilot Financial Planning: IPA Triple-Stack Pension, B Plan Strategy & Tax Optimization](https://financial-advisors-for-pilots.com/ups-pilot-financial-planning/): Financial planning for UPS Airlines pilots. How the IPA triple-stack works (A Plan DB pension, B Plan 12% NEC, 401k), the 415(c) squeeze table by income level, base-city tax strategy, and retirement planning at $300K–$450K+ income.

## Contact

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