Services
Tax-Aware Wealth Planning
Roth conversions, tax-loss harvesting, and bracket management for complex pilot income.
Overview
Variable income, premium pay, trip trading — your tax picture as an airline pilot is uniquely complex. Generic tax advice doesn’t account for the specific opportunities and risks that come with airline compensation structures.
I build multi-year tax strategies that minimize your lifetime tax burden while maximizing the growth of your wealth.
What’s Included
- Roth conversion strategy — Multi-year conversion plans timed to your income, tax brackets, and retirement timeline
- Tax-loss harvesting — Systematically capturing losses to offset gains and reduce taxable income
- Bracket management — Strategic income timing to stay in optimal tax brackets year over year
- Deferred compensation planning — Optimizing stock plans, profit sharing, and other deferred income
- Estate tax efficiency — Structuring wealth transfer to minimize tax impact on your family
Why Work with Me
I coordinate tax planning across your entire financial picture — investments, retirement accounts, airline benefits, and estate plan. This holistic view reveals opportunities that a CPA reviewing last year’s return simply can’t see.
Frequently Asked Questions
Why do pilots need specialized tax planning?
Airline pilot income is uniquely variable — base pay, premium pay, trip trading, per diem, stock options, and profit sharing all create a complex tax picture. Add in multi-state tax obligations from overnight trips, and you have a situation that requires strategic planning.
What's a Roth conversion and should I do one?
A Roth conversion moves money from a pre-tax account to a Roth IRA, paying taxes now for tax-free growth and withdrawals later. For pilots, the ideal windows are often during lower-income years, career transitions, or the early years of retirement before Social Security kicks in.
Can you help with multi-state tax issues?
Yes. Pilots who fly routes across multiple states can face complex tax obligations. I help navigate these issues and ensure you're not overpaying state taxes.
Ready to Talk About Tax-Aware Wealth Planning?
Let's have a conversation about how this fits your situation.