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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.

Free for Pilots

Get Your Tax Drag Analysis

Send us your most recent tax return and we'll map out a contribution and withdrawal strategy designed to reduce taxes across your lifetime — not just this April.

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