In this video, Jonathan Schultz, BS (Aeronautics) and Charlie Mattingly, CFP®, MBA from Leading Edge Financial Planning break down the complexities of the United Airlines contributions to the Health Reimbursement Account (HRA) and Retirement Health Account (RHA) for pilots. They explain how funds may flow between these accounts, when contributions happen, and how 2025 IRS limits may impact your overall retirement and healthcare strategy.
Whether you’re a pilot who isn’t contributing to your 401 (k) or one who’s already maxing it out, this video may help you make informed decisions to optimize both your healthcare and retirement savings.
Key Topics Covered
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- United Airlines Contributions to 401 (k), HRA and RHA Overview
- HRA Contribution Details
- Zero and Maximum 401(k) Contribution Scenarios
- 415 (c) Excess and 401 (a)(17) Excess Contributions to HRA/RHA
Actionable Takeaways:
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- Understand how United may contribute to your 401 (k) and HRA/RHA if you are not contributing to your 401(k).
- Review what may happen when you max out your 401(k) contributions.
- Contact the team at Leading Edge Financial Planning for personalized guidance.
Your HRA and RHA may play a bigger role in your long-term financial security than you realize. Understanding how these accounts are funded may help you make smarter decisions today and enjoy more flexibility in retirement.
Connect with Charlie Mattingly
charlie@leadingedgeplanning.com 
865-240-2292
Connect with Jonathan Schultz
jonathan@leadingedgeplanning.com 865-684-4622
#UnitedHRA #RHA #UnitedPilots #RetirementPlanning #LeadingEdgePlanning #PilotMoneyGuys #PilotFamily #PilotLife #PilotFinance
Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk and there can be no assurance that the future performance of any specific investment, investment strategy, or product made reference to directly or indirectly in this video will be profitable, equal any corresponding indicated historical performance level(s), or be suitable for your portfolio. Moreover, you should not assume that any information or any corresponding discussions serves as the receipt of, or as a substitute for, personalized investment advice from Leading Edge Financial Planning personnel. The opinions expressed are those of Leading Edge Financial Planning and are subject to change at any time due to the changes in market or economic conditions.
