📱 Get your customized planning started by booking a call: http://callosborn.com/

✈️ Order your no-cost “Financial Flight Control Toolkit” today: https://keap.page/lde199/the-pilot-s-planner-toolkit.html

Scott breaks down the brand-new Market-Based Cash Balance Plan (MBCB) and what this decision means for American Airlines pilots hitting their 401(k) limits. The goal isn’t to push pilots one way or the other, but to help you understand what’s really at stake before that opt-in deadline hits on December 15th. If you’ve been staring at that email wondering what to do, this episode will give you clarity fast.

Here’s some of what we discuss in this episode:

🛫 What the MBCB Plan Is: a pilot-specific overview in plain English

📄 How the Plan Works: where excess 401(k) dollars actually go

⏳ Opt-In / Opt-Out Deadline: why the window matters for 2026 benefits

🧾 Tax Bucket Impact: how this decision affects future retirement taxes

📊 Scenario Planning: evaluating who the plan helps and who it may not

Resources:

Our website: https://retireairlines.com/

Phone: (419) 314-4139

Contact our team: https://retireairlines.com/contact-us/

Schedule an introductory call: http://callosborn.com/

Order your no-cost retirement toolkit: https://keap.page/lde199/the-pilot-s-planner-toolkit.html

Check out our other no-cost financial resources & guides here: https://retireairlines.com/guides-whitepapers/

The “When I Die” binder: https://retireairlines.com/wp-content/uploads/2024/10/Scott-O-FILLABLE-BINDER-10.22.24-1.pdf

Watch the podcast on YouTube: https://www.youtube.com/@retireairlines