Matt Harris, Financial Analyst

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Matt Harris, Financial Analyst Helping Aviators Grow & Navigate Retirement with Confidence | Financial Strategies for Pilots

Our mission is to empower individuals to achieve financial security and peace of mind by providing educational strategies and guidance. We are dedicated to helping you avoid outliving your income by crafting personalized financial plans tailored to your goals and circumstances, ensuring a stable and fulfilling future.

Congress is gaslighting you about retirement.A new bill would let people with 20 years in physically demanding jobs coll...
10/06/2026

Congress is gaslighting you about retirement.

A new bill would let people with 20 years in physically demanding jobs collect full Social Security at 60.

Sounds great. Everyone shares it. Everyone gets their hopes up.

Then it quietly goes nowhere.

Most bills introduced in Congress never become law.

This one doesn't say which jobs qualify.

It doesn't say how it gets paid for either.

The last time Congress actually changed the full retirement age, they raised it. From 65 to 67.

Meanwhile the roofer, the nurse, the lineman and the firefighter already know the truth. The job usually ends before 67 does.

The age your career ends and the age your benefits start are rarely the same.

Your plan is whatever covers the years in between.

Which jobs do you think should make the list?

Twenty years from now, nobody remembers the car.Everyone remembers the road trip.Pilots spend a career away from home. M...
10/02/2026

Twenty years from now, nobody remembers the car.

Everyone remembers the road trip.

Pilots spend a career away from home. Missed birthdays. Christmas in a crew hotel. Reserve weeks that swallow the summer.

Retirement is the chance to get some of that time back.

That's why I care so much about the boring stuff. Withdrawal order. Social Security timing. Tax brackets.

Get those right and the money is there when the grandkids want to see Alaska. Get them wrong and the trip waits another year.

Plan the income. Then go make the memories.

Comment FLIGHT and I'll send you the Retirement Income Flight Guide.

"How many more summers like this do I have?"That thought hit me poolside with two of my four kids.Strange thing to think...
10/01/2026

"How many more summers like this do I have?"

That thought hit me poolside with two of my four kids.

Strange thing to think on a perfect afternoon.

But I sit with plenty of people saving the good stuff for someday.

Someday doesn't always show up.

So I put the phone down and jumped in the pool.

Life is too short. Plan like it.

I've spent over a decade as a firefighter and paramedic showing up on the worst day of someone's life.Now I get to show ...
09/29/2026

I've spent over a decade as a firefighter and paramedic showing up on the worst day of someone's life.

Now I get to show up years before that day.

A pilot who knows exactly how the income keeps coming after 65. A teacher who finally sleeps through the night. A spouse who knows the plan if something happens.

I get to change lives and get paid to do it. I don't take that lightly.

Happy Monday!
09/28/2026

Happy Monday!

Dear Pilot,Many of my clients have been asking about long-term care. This too, is something I specialize in. If you'd li...
09/24/2026

Dear Pilot,

Many of my clients have been asking about long-term care.

This too, is something I specialize in.

If you'd like to have a conversation about long-term care planning, call, text, or email me.

Matt Harris

I hate to break it to you but..."I'll figure out retirement income later" is not a plan.Sounds reasonable, though.For ai...
09/21/2026

I hate to break it to you but...

"I'll figure out retirement income later" is not a plan.

Sounds reasonable, though.

For airline pilots, the paycheck stops at 65. On a fixed date.

Not when the market recovers.
Not when your spouse is ready.
Not when you feel prepared.

Before that date, you need answers to:
Which accounts you draw from first.
When to start Social Security.
What tax bracket you land in.

Start at 50, and you have 15 years to get them right.

Start at 64, and you have a year or less.

Comment FLIGHT and I'll send you the Retirement Income Flight Guide that lays this out.

Don't make this mistake when you retire.Two pilots retire on the same day.Same $1,000,000 saved.Same $50,000 a year with...
09/18/2026

Don't make this mistake when you retire.

Two pilots retire on the same day.

Same $1,000,000 saved.
Same $50,000 a year withdrawals.
Same 5.4% average return over the stretch.

One retires into a market that drops early on.
The other retires into a market that drops later.

Same numbers on paper.

Pilot A ends up with $881,000.
Pilot B ends up with $988,000.

$107,000 apart. Nothing to do with how much they saved or how they invested. Everything to do with when the bad years landed.

This is sequence of returns risk, and it's the part most retirement plans never account for.

You don't control market timing. You do control how your income gets structured so a bad stretch early on doesn't wreck the whole plan.

That's the piece I walk pilots through in the Retirement Income Flight Guide. Comment FLY and I'll send it over.

I sell products.But that's not actually what I do.It's the byproduct.What I actually do is sit across from someone.Someo...
09/17/2026

I sell products.

But that's not actually what I do.

It's the byproduct.

What I actually do is sit across from someone.

Someone who's flown for 20-30 years.

And help them figure out if they can finally stop.

The annuity. The IRA. The 401k.

Those are just tools.

The real work looks like this:

→ Listening to what "enough" means to them, not to a spreadsheet
→ Catching the beneficiary that's still an ex-spouse
→ Noticing the underinsured family before something happens, not after
→ Telling someone the truth, even when it's not the version they wanted

Products can be sold by anyone.

Care can't be faked forever.

If all I did was sell products, I wouldn't still be doing this.

I do this because I care what happens after the handshake.

The product is just how the care gets delivered.

Announcing a goal.Get sharper at advanced planning this year.I'm heading to RevCon next month.An intensive with some of ...
09/16/2026

Announcing a goal.

Get sharper at advanced planning this year.

I'm heading to RevCon next month.

An intensive with some of the best financial experts in the country.

Before I walk in, I need completed discovery worksheets.

Real conversations. About 15 minutes.

No sales pitch.
No income numbers.
No products.
Just questions.

I work with pilots on what happens after the paycheck stops.

Sequence of returns. Social Security timing. Tax brackets.

But I want to walk in sharper than I am right now.

If you're a pilot and haven't fully mapped your retirement answer yet, I want 15 minutes of your time.

Comment "IN" and I'll reach out or tag a

Inspired by every pilot who's already trusted me with the real answers.
Trying to keep earning that. ✈️

Address

Tinley Park, IL

Telephone

(708)5057686

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