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Part 91/135 Pilots

Resources and Advice Focused for Part 91/135 Pilots and their Families

How We Help Part 91/135 Pilot Families
How We Help

Part 91/135 pilot families often face unique financial planning challenges due to variable income, diverse employment structures, and limited access to traditional employer-sponsored benefits.

Retirement savings options may include a company sponsored 401 (k), SEP IRA, SIMPLE IRA, Solo 401(k), Traditional IRA, Roth IRA, Backdoor Roth IRA, and Health Savings Account (HSA). Navigating these choices, along with insurance and other company benefits, can be complex—especially when plans vary by employer or are sourced independently.

At Leading Edge, we help you understand the nuances of each option and determine which strategies best align with your financial goals. Whether you’re managing fluctuating cash flow, optimizing for tax efficiency, or preparing for career transitions, we provide personalized guidance to help you execute a plan that supports both your lifestyle and long-term vision.

Our team understands the aviation lifestyle and offers tailored support to help you stay financially confident through every stage of your career.

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Navigate Health Emergencies with Confidence

Aviation professionals face unique stressors – especially when it comes to maintaining their medical certification. Even minor health issues can lead to major financial consequences if you’re not properly prepared. As aviation families ourselves, we understand the stakes and the stress. Pilots have several ways to protect their income and their families from the financial impact of health emergencies. These include:

Short-term disability insurance

Long-term disability insurance

Loss of license coverage

Accrued sick time

Emergency savings

We work with pilot families to evaluate their options and create a tailored plan that fits their unique needs. And when a health emergency does occur, we’re here to help you navigate the financial side—so you can focus on recovery.

Resources for Part 91/135 Pilots

Is an HSA Right For You?

  • September 1, 2025
  • LEFP

Is the High-Deductible, Health Savings Account Medical Plan Right for You and Your Family? For many of you reading, your airline benefits open enrollment period

Beware If Moving to Low Tax State

  • August 22, 2025
  • LEFP

Thinking of Relocating? Beware If Moving to a Low-Tax State In this video, Kevin Gormley, CFP®, CPA, PFS and Jason Reagan, CFP®, RICP from Leading

What We Can Learn From John D. Rockefeller: A Masterclass in Legacy Building

  • August 1, 2025
  • LEFP

In this video, Kevin Gormley, CFP®, CPA, PFS from Leading Edge Financial Planning breaks down powerful lessons from the Rockefeller family’s approach to long-term wealth.

Financial Check for Pilots

  • August 1, 2025
  • LEFP

Why Comparing Finances with Peers Can be Misleading: What to Do Instead Pilots are trained to think logically, assess unexpected changes, and make decisions that

Pilots & the 2025 One Big Beautiful Bill: What You Need to Know

  • July 18, 2025
  • LEFP

In this video, Kevin Gormley, CFP®, CPA, PFS from Leading Edge Financial Planning breaks down how the new tax bill may impact pilots at every

Effectively Utilizing Roth Funding to Prevent a Potential Retirement Income-Tax Bomb!

  • July 1, 2025
  • LEFP

I was working with a client family recently and we took a moment to appreciate the fact that because they started saving in Roth IRAs

The Opportunity of a Lifetime: New Pilots are Making More Income than Ever Before!

  • March 1, 2025
  • Charlie Mattingly

The Opportunity of a Lifetime: New Pilots are Making More Income than Ever Before! What an amazing time to be a professional pilot! You have

Spending Mindshift: Spend with Freedom and Peace of Mind

  • September 30, 2024
  • LEFP

From Runway to Retirement: Savings Priorities for Airline ProfessionalsAuthor: Nolan Clark The world of savings priorities and the newest financial strategies can be overwhelming, especially

If I Could Tell Every Airline Pilot One Thing…

  • March 15, 2024
  • Charlie Mattingly

If I Could Tell Every Airline Pilot One Thing… If I could tell every airline pilot one thing it would be, save more money! I

What is Legacy Planning and Why it Matters to You Now?

  • February 28, 2024
  • Charlie Mattingly

Yes, I’m a Tim Mcgraw country music fan. I think at this point, he might be considered old school country music. Nonetheless, when we unpack

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