Pilot’s Portfolio

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 PlannerTM. 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 episode, Tim tackles some burning questions from an enterprising business aviation airman. Due to the airlines sucking a lot of talent from business aviation, this airmen is flying high but grappling with a looming tax bill from his side hustle.

While business is good, this airman also acknowledges it’s hard to ignore major airline pay with recent contract improvements and record retirement contributions. He wants to know how to survive the financial turbulence of reduced pay in the first year of airline flying. Lastly this airman inquires about a way to view side by side retirement projections if he stays in his current gig or takes the leap to 121 flying.

What You'll learn from this episode:

• How to make the retirement account limits work for you
• What else to think about beyond having your business run through an LLC or other entity structure
• Why keeping proper accounting records matter when you're self employed
• How to survive first year pay at the airlines.
• How we approach retirement projections for pilots changing careers

Resources
Schedule An AppointmentOur Practice's Website Send Us Your Questions: [email protected]

Timothy Pope is a Certified Financial PlannerTM. 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 PlannerTM. 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 PlannerTM. 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 Q&A episode of the Pilot Money Podcast, host Timothy P. Pope, CFP® tackles retirement planning questions from pilot listeners. This episode is a Q&A session where Tim addresses questions about optimizing retirement contributions across multiple employer plans and how to best handle bonuses. Join Tim as he explores the intricacies of managing 401(k) contributions and TSP accounts simultaneously, illustrating how pilots can effectively strategize their retirement savings to maximize benefits. The discussions provide clarity on contribution limits, the impact of dual employment on retirement strategies, and the advantages of understanding the IRS guidelines on combined contribution limits.

What You'll learn from this episode:

• How one pilot may maximize bonuses to help with financial flexibility.
• Understanding Dual Employer Contribution Limits: Tim explains the annual additions limit and how it applies across multiple employment scenarios, including airline and military flying.
• Strategic Contribution Planning: Insights into balancing contributions between airline 401(k)s and TSP to fully leverage matching benefits.
• Navigating Complex IRS Rules: A breakdown of how contribution limits work when dealing with multiple retirement accounts to avoid costly penalties and maximize growth.
• Making the Most of Employer Contributions: Learn how to ensure you're getting the most out of employer matches and non-elective contributions.
• Planning for Future Flexibility: Discussion on using brokerage accounts and other financial vehicles to provide flexibility in an unpredictable aviation career.

The episode concludes with actionable tips and detailed examples to help pilots think about their retirement contributions effectively.

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

Timothy Pope is a Certified Financial PlannerTM. 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.