Blog
Straight-talk financial planning for United Airlines pilots — retirement, PRAP, benefits, and taxes, from advisors who fly the line.
Would You Know If a Scammer Was Using Your Daughter's Voice?
A mother in California picked up her phone last spring and heard her daughter's voice, panicked, saying she had been kidnapped and needed money sent right away.1 The voice had the right pitch and the right tone, even the small verbal...
Read MoreOne Shot to Get It Right
Most financial decisions can be revisited. A portfolio can be rebalanced next quarter, or a budget adjusted next month. But a handful of decisions do not work that way. You may only retire once. Or help parents as they age, or receive...
Read MoreAI Gives Answers. Guidance Requires Judgment.
Artificial intelligence (AI) has given financial professionals new tools that can make it faster and sharper to do some behind-the-scenes work, from research to scenario modeling of certain portfolios. AI can struggle with the...
Read MoreIPO Reality vs. The Headline Narrative
When IPOs Dominate the Conversation When a company that most people recognize goes public, suddenly it's everywhere. Media coverage spikes. Everyone is talking about the opportunity, and that conversation itself becomes part of the...
Read MoreWhen Your Parents Need You to Be the Adult
There is usually no single moment when the roles begin to shift. It may be a confusing medical bill. A missed payment. A scam text they almost clicked. A question about an account they have had for years. A conversation where they...
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Is Now a Good Time for a Roth IRA Conversion?
We know that taxes are one of life’s two inevitables. So, the question is not if you will pay taxes on your retirement accounts, but when and how much. That’s where Roth IRAs enter the discussion, especially in the current tax and...
Read MoreDoes the New Tax Law Impact Your Estate Strategy?
The federal estate tax exemption remains at an all-time high. For some families, that is genuinely good news. But it may also be creating a false sense of security, especially if you live in one of the states that sets its own rules...
Read MoreTrump Accounts for United Pilots: What They Do and Where They Fit
A new federally created savings account for American children launched on July 4, 2026, when Trump Accounts began accepting contributions. The accounts were formally established under Section 530A of the Internal Revenue Code as part...
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Spousal IRA for United Pilots
Your spouse doesn't work, so you assume only one of you can fund an IRA. Not true. Here's how married United pilots can put away up to $17,200 in 2026 with a spousal IRA — plus the backdoor Roth angle most couples miss.
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Back Door Roth IRA for United Pilots
The Backdoor Roth IRA for United Airlines Pilots: A 2026 Guide For a downloadable flow chart to help you navigate these rules, see our resources libary. If your PRAP is full and you’re wondering where else to put money in a...
Read MoreThe Retirement Conversation Couples Keep Avoiding
As financial professionals, we spend much of our time helping our clients prepare for retirement. By the time most of our clients are within a few years of retirement, their savings are there, their investment accounts are in order,...
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United Pilots Accounts Fraud - Beware
Could a fake Alight email drain your RHA? Fraud attempts targeting United pilot accounts are spiking — and many are succeeding. Here's exactly what to watch for and what to do.
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Space X IPO?
United Airlines pilot financial advisor Dan Lohmar breaks down the SpaceX IPO — what the numbers actually look like, what 50 years of IPO research says, and why UWM is sticking to its evidence-based investment approach for United pilot PRAP
Read MoreWhat Would You Do With a Windfall?
After years of walking clients through inheritances, business sales, bonuses, and liquidity events, we have seen how these moments unfold in remarkably consistent ways. There is almost always a boat, or something like one. A vacation...
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