Financial Planning

What is a Market-Based Cash Balance Plan?

A Market-Based Cash Balance Plan is a version of a Cash-Balance Plan, which is a type of pension plan that straddles the line between defined benefit plans and defined contribution plans. With a defined benefit plan, each eligible employee receives a specific benefit upon retirement, while a defined contribution plan outlines the employer’s contributions to an […]


When it comes to managing your retirement savings as a United pilot, you have two main options available: investing in the Core Funds within the Pilot Retirement Account Plan (PRAP) or using a Personal Choice Retirement Account (PCRA) to implement your investments. While both options have their benefits, investments in a PCRA can provide you […]

How Inverted Yield Curves Impact Consumers, Equities, and Bonds

How Consumers Can Be Affected by Inverted Yield Curves Consumers seeking short-term loans tend to be worse off amidst an inverted yield curve. Interest rates rise and costs of borrowing go up, leading consumers to either pay higher prices or defer purchases and investments altogether. This unfriendly environment tends to sour the consumer’s mood. Though […]

What to do with a Retro-Check

If you receive a retro pay-check from your company, it’s essential to handle the money wisely. Here are some steps you can consider: Roth Conversion in 401(k):  Look at your assets within your 401(k) and see if a Roth conversion is possible and if it could be beneficial to your financial plan. A Roth conversion […]

HRA vs RHA – Are you confused?

United Airlines offers both a Health Reimbursement Account (HRA) and a Retiree Health Account (RHA) to its employees. HRA A Health Reimbursement Account (HRA) is an employer-funded account that reimburses employees for qualified medical expenses. HRAs are a tax-advantaged benefit, meaning that contributions to the account are tax-deductible for the employer and tax-free for the […]

Who is Getting Your Money?

When was the last time you reviewed your beneficiary designations on your retirement accounts? By regularly reviewing and updating your beneficiary information, you can ensure that your assets are distributed according to your current wishes and that your loved ones are taken care of in the way that you intended. In most cases, retirement accounts […]

Why Should I Hire An Investment Advisor?

Why hiring an investment financial advisor can be beneficial: Expertise: Investment advisors are professionals who have the knowledge and experience to help you make informed decisions about your investments. They can provide guidance on complex investment products, such as stocks, bonds, mutual funds, and alternative investments. Time: Managing your investments can be time-consuming and complex. Hiring […]

When Should I Take Social Security?

Through our work with American Airlines, Southwest Airlines, and United Airlines Pilots, we understand that determining when should I take your Social Security can be a complex decision. The answer to this question depends on a variety of factors, including your financial situation, health status, and personal preferences. Here are some key things to consider: […]
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