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For UPS Pilots

Planning Built for UPS Pilots

UPS still funds a real pension on top of the 401(k) and DC Plan — a combination most legacy carriers gave up two decades ago. The retirement math at UPS rewards pilots who plan early and who understand all three buckets working together, not just the 401(k) balance.

Your Retirement Plan

UPS Pilots Pension Plan + Defined Contribution Plan + 401(k)

The pension is the foundation, the DC Plan is a meaningful addition, and the 401(k) is the lever you control. We coordinate all three around your retirement age, expected lump-sum value, and post-65 income needs — including the questions IPA contracts don't answer for you.

What We Plan For

Specialized for UPS

UPS pilots have planning questions specific to the cargo side of the industry — and to a benefits package that still includes a defined-benefit pension.

Pension lump-sum vs. annuity election and joint-life modeling
DC Plan contribution sequencing and Roth conversion windows
401(k) match optimization and after-tax contribution strategy
Variable override, premium, and international pay tax planning
Pre-65 retirement bridge with pension + DC + 401(k) coordination

How It Works

A Plan Built Around Your Career

1

Discovery Call

A free conversation to understand your seat, seniority, and goals.

2

Custom Plan

A planning roadmap tailored to your UPS benefits and timeline.

3

Ongoing Advice

Year-round guidance as contracts, markets, and your career evolve.

Cleared for Retirement — 5 Critical Steps for the Modern Airline Pilot's Final Financial Approach

Free for UPS Pilots

Cleared for Retirement

5 Critical Steps for the Modern Airline Pilot's Final Financial Approach

Written for the airline pilot career arc — practical guidance on the five decisions that shape the final stretch to retirement. Download a free copy before your discovery call.

Get Your Free Copy

Plan Your UPS Retirement With Real Numbers

Pension election, DC Plan rollover timing, lump-sum vs. annuity — these are decisions that benefit from running the numbers together, not in isolation.