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10/27/2026

As an airline pilot, you could be paying 35-48% in taxes depending on your state — and that number only goes up as your career progresses. Moving from the right seat at a regional, to the left seat, to starting over in the right seat at a major carrier means real jumps in income — and real jumps in tax bracket along the way. That's exactly when Roth conversions and other tax-specific moves matter most, depending on what else is in your asset mix.

Market downturns can actually help here. If you're converting pre-tax or non-qualified money to Roth, or capturing losses to de-risk, doing it while the account value is temporarily down means moving the same number of shares or dollars at a lower tax cost.

Have you mapped out which bracket jumps are coming next in your career?

A bonus gives you choices: spend some, save some, have a little fun, pay down debt, or invest for the future. If you’re ...
10/26/2026

A bonus gives you choices: spend some, save some, have a little fun, pay down debt, or invest for the future. If you’re not sure how to prioritize, let’s talk through the benefits of each option.
http://spr.ly/6183BGst4h

You spent years building toward retirement. Now’s a good time to make sure your money continues supporting the lifestyle...
10/26/2026

You spent years building toward retirement. Now’s a good time to make sure your money continues supporting the lifestyle and goals you’ve worked hard to achieve. Review your plan before year-end to provide the clarity and confidence to move into next year with stability and peace of mind.
http://spr.ly/6188BGLwBY

10/23/2026

If you're an airline pilot or a high-income W-2 earner, tax season can feel brutal — all that income gets taxed, and you don't have nearly as many write-offs as a business owner would.

One lever that gets overlooked: timing. If you're sitting on a lot of pre-tax 401(k) money and you're likely to have more than you need in retirement, a market pullback can be a window to convert some of it to Roth while the balance is temporarily lower.

Pay scales matter here too — moving from right seat to left seat (or any jump in income) usually means jumping a tax bracket. We call doing the tax-specific moves before that jump happens the bracketing strategy.

If you're a pilot or high-income W-2 earner, comment "bracketing" below and we'll send you more on this.

Higher borrowing costs are raising questions about the artificial intelligence spending boom. Read this week’s market co...
10/20/2026

Higher borrowing costs are raising questions about the artificial intelligence spending boom. Read this week’s market commentary for a closer look at the risks to growth and why diversification remains important. http://spr.ly/6187BHrXgF

10/20/2026

Your pay scale is a roadmap. It's not a guarantee.

Contracts in aviation change — inflationary raises, tenure increases, moving from right seat to left seat all shift the number on paper. But contracts also get renegotiated, and history has examples of pilots losing pensions when that happens. Several of our clients at FedEx are living through contract changes right now.

Because of that, we encourage pilots to save more than the average person outside of their direct contribution plans — not because the contract will fail, but because the industry is cyclical and the contract isn't guaranteed.

If your current contract changed tomorrow, how much of your plan would still hold up?

Saving for your child’s education can feel overwhelming—but you don’t have to figure it out alone. A 529 plan can be a h...
10/19/2026

Saving for your child’s education can feel overwhelming—but you don’t have to figure it out alone. A 529 plan can be a helpful tool, and I can help you decide how it fits into your broader financial plan. http://spr.ly/6189BGU7xd

A target-date fund projection showing you're "on track" is answering one question: will you have enough, assuming the ma...
10/17/2026

A target-date fund projection showing you're "on track" is answering one question: will you have enough, assuming the market behaves. It's not answering a second one: how much of that outcome depends on the market not having a bad few years right before you retire.

Those are different problems. The first is about accumulation. The second is about sequencing risk — and it tends to get ignored right up until it matters most, in the years immediately before and after retirement.

10/16/2026

Seeing a number like $3.2 million projected at retirement on your 401(k) statement doesn't mean the plan is actually set.

That number alone doesn't tell you how much risk is baked into getting there, or what happens if the market turns before you retire. It also doesn't account for how efficient those dollars actually are — money sitting entirely inside a 401(k) can mean less liquidity and more tax drag than people realize.

Optimization isn't about the projected balance. It's about how much risk you're carrying to get there, and how efficiently those dollars are actually working.

Have you looked at your plan's risk exposure, or just the number at the bottom?

Markets have continued to climb, but leadership has become more concentrated as investors weigh persistent inflation, hi...
10/15/2026

Markets have continued to climb, but leadership has become more concentrated as investors weigh persistent inflation, higher rates, and rising uncertainty. See Northwestern Mutual Wealth Management Chief Investment Officer Brent Schutte’s take on what the shift from broad growth to narrower market leadership could mean for investors. http://spr.ly/6186BH84e0

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601 Carlson Pkwy Ste 300
Minnetonka, MN
55305

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