If you're a pilot, there's a good chance your retirement savings are sitting in a target date fund you selected years ago and haven't thought about since. The problem is that the fund doesn't know anything about your pension, your spouse's income, your retirement timeline, or the unique challenges pilots face. In this episode, Ryan explores a little-known feature inside many 401(k) plans and shares research that may change the way you think about retirement planning.

Here’s what we cover in this episode:

📉 DIY Penalty: The cost of going alone

🧠 Behavior Gap: Emotions hurt investor returns

💧 Cost Leaks: Small expenses compound over time

✈️ SDBAs Explained: More options inside your 401(k)

📋 Case Study: Personalized planning in action

🚀 Pilot Advantage: Retirement planning beyond average

Retire Pilots - https://retirepilots.com

Get your FREE Retirement Toolkit - https://d74164fb.pages.infusionsoft.net/

Pilot Tax - https://pilot-tax.com/

The Pilot's Advisor Podcast is also on video. Watch & Subscribe on YouTube: https://bit.ly/3EIEBW2

Many pilots assume that as retirement gets closer, they should automatically become more conservative with their investments. But according to Ryan, that's not always the right move. He explains why risk management has less to do with your age and more to do with your time horizon, income sources, and retirement goals. If you're trying to strike the right balance between growth, protection, and income planning, Ryan shares a valuable framework for thinking about risk.

Here’s what we cover in this episode:

✈️ Risk Management: Matching risk to your situation

📅 Time Horizon: Why age isn't the deciding factor

⚖️ Asset Allocation: Finding the right balance

🚨 Common Mistakes: When being too conservative backfires

💰 Income Planning: Building retirement paychecks

Retire Pilots - https://retirepilots.com

Get your FREE Retirement Toolkit - https://d74164fb.pages.infusionsoft.net/

Pilot Tax - https://pilot-tax.com/

The Pilot's Advisor Podcast is also on video. Watch & Subscribe on YouTube: https://bit.ly/3EIEBW2

Risk is unavoidable. The real question is whether the risk you're taking makes sense for where you are in life.

In this episode, Ryan explores three common financial personalities among people in their 30s and 40s, and the steady contributor quietly building wealth over time. If you're trying to figure out whether you're taking too much risk—or not enough—Ryan offers a practical framework for evaluating where you stand and where you want to go.

Here’s what we cover in this episode:

🚀 Aggressive Investing: Why speculation isn't a strategy

💵 Playing It Too Safe: The hidden risk of cash

📈 Power of Compounding: Time is your greatest asset

⚖️ Finding Balance: Taking risk with a purpose

✈️ Pilot Perspective: Why discipline beats prediction

Retire Pilots - https://retirepilots.com

Get your FREE Retirement Toolkit - https://d74164fb.pages.infusionsoft.net/

Pilot Tax - https://pilot-tax.com/

The Pilot's Advisor Podcast is also on video. Watch & Subscribe on YouTube: https://bit.ly/3EIEBW2