Q&A: Roth, 401a, and DAF Strategy скачать в хорошем качестве

Q&A: Roth, 401a, and DAF Strategy

In this Q&A episode of Pilot’s Portfolio, Timothy P. Pope, CFP®, Founder and Principal of 360 Aviation Advisors™, answers three listener questions that surface real-world friction inside airline retirement planning. First, a Southwest pilot asks whether taking NEC as Roth impacts their ability to contribute or convert to a private Roth IRA. Next, a Delta pilot seeks clarity on the difference between 401k, 401a, Roth, and after-tax contributions, and how contribution sequencing affects tax strategy and long-term flexibility. Finally, Tim walks through donor-advised funds, including how they work, how they can reduce taxable income, and the 2026 tax law changes pilots should understand before making charitable contributions. What You'll Learn from This Episode • How donor-advised funds can reduce taxable income in high-income years • Why appreciated stock donations may be more efficient than cash • Whether NEC as Roth affects Roth IRA contributions • The difference between Roth and after-tax inside airline retirement plans • How 402g and 415(c) limits work together • Why contribution order matters for high earners • How to avoid accidentally crowding out tax-advantaged space Resources: Schedule An Appointment (https://calendly.com/d/ck72-3sp-r58) Our Practice’s Website (https://360aviationadvisors.com/) Send Us Your Questions: info@pilotsportfolio.com (mailto:info@pilotsportfolio.com) This episode is sponsored by: Beacon Relocation (https://www.beaconrelocation.com/) Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more.  Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity. We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements. Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information. Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer.