IMPORTANT INFORMATION
Educational and Financial Disclaimer
Not professional advice
Nothing in Retirement Flight Deck is financial, investment, tax, accounting, legal, medical, or benefits advice. The service does not act as a fiduciary, investment adviser, broker, tax professional, attorney, plan administrator, or benefits representative.
Estimates are not guarantees
Contribution dates, PRAP estimates, spill estimates, Mega Backdoor Roth capacity, LTD amounts, retirement projections, and tax illustrations are estimates. Results depend on confirmed inputs, payroll timing, compensation eligibility, plan limits, future earnings, elections, and changing rules.
Verify before acting
Users should verify information against current United plan documents, collective bargaining materials, payroll records, Schwab records, IRS guidance, and communications from authorized plan representatives. Consult qualified financial, tax, legal, or benefits professionals before making decisions.
No implied affiliation
Unless a written agreement states otherwise, Retirement Flight Deck is not sponsored, endorsed, operated, or approved by United Airlines, ALPA, Charles Schwab, the IRS, or any retirement-plan administrator. Names and marks belong to their respective owners.