Delta, United, & American Market Based Cash Balance Plan

Here are 3 different strategies for maximizing savings in Market Based Cash Balance Plans for Delta, United, and American Airlines Pilots.

  1. The first strategy involves contributing as much money as possible to the plan before converting after-tax contributions into a Roth account. This allows you to contribute more considerable amounts when the company matches contributions and hits the $69,000 annual limit.
  2. The second strategy is to contribute nothing and let the company put in their 16-17% contribution, but this may not be the most financially beneficial option for some.
  3. The third strategy is to contribute to the 401k plan at a manageable rate while being careful not to let the company’s contribution reach the maximum limit before one’s contribution is fully funded.

Our financial advisors put together FREE 401k allocations for most of the major airlines. To download yours, click here.

Contact us if you have more questions. Click here to schedule a consultation with one of our financial advisors.

Casey Smith
President, Wiser Wealth Management

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