United Airlines

Resources and Advice Focused for Pilots of United Airlines and their Families

United pilot families have access to a range of retirement and health benefit options— including your Pilot Retirement Account Plan (PRAP) 401(k), Retiree Health Account (RHA), Health Reimbursement Account (HRA), and Profit Sharing. These plans come with unique contribution rules, company contributions, and strategic considerations that can be difficult to navigate alone.

At Leading Edge, we help you understand the nuances of each option and make informed decisions aligned with your financial goals. We also guide you through United’s complex health benefit offerings to ensure your choices support both your short- and long-term needs.

Additionally, we offer investment management for your United Airlines 401(k) through Schwab, helping you stay on course with your retirement strategy.

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

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 United Airlines Pilots

United Airlines 401(k) and HRA/RHA Contributions

https://www.youtube.com/watch?v=OLMoRDV1fXQ In this video, Jonathan Schultz, BS (Aeronautics) and Charlie Mattingly, CFP®, MBA from Leading Edge Financial Planning break down the complexities of the United

Beware If Moving to Low Tax State

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

Financial Check for Pilots

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

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!

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!

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

United Airlines Benefits Open Enrollment: Key Health Insurance Options Explained

Join Kevin Gormley, CFP®, CPA and Andy Christopher, CFA from Leading Edge Financial Planning as they explore the upcoming open enrollment period for health insurance.

United Pilots: RHA & Healthy Fear of Healthcare Costs

Kevin Gormley, CFP®, CPA and Andy Christopher, CFA and Lead Financial Planner, discuss the intricacies of Health Reimbursement Accounts (HRA) and Retiree Health Accounts

United Airlines Pilot Long Term Disability Explained

United Airlines Long Term Disability Kevin Gormley, CFP® Andy Christopher, CFA® , lead financial planners from Leading Edge Financial Planning, discuss the details of the

If I Could Tell Every Airline Pilot One Thing…

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

Financial Planning

Investment Management

Retirement Income Planning

College Planning

Proactive Tax Planning

Estate Planning

Fees and Expenses

Pilot Wealth Index

Client Portal

Book A Client Meeting

Tax Planning