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Airline Pilot Central Forums (https://www.airlinepilotforums.com/)
-   United (https://www.airlinepilotforums.com/united/)
-   -   Cash balance plan 3.0 (https://www.airlinepilotforums.com/united/150319-cash-balance-plan-3-0-a.html)

AF OneWire 10-31-2025 05:25 PM
Originally Posted by ThumbsUp (Post 3965234)
It’s an expression. We can’t have what Delta has. Meaning, we get a sub-obtimized CBP where any spill created by earnings under the 401a17 limit will go to the RHA instead of the CBP.
Basically takes away the mega back door Roth, unless you want a lot in the RHA.

ThumbsUp 10-31-2025 06:09 PM
Originally Posted by AF OneWire (Post 3965445)
Basically takes away the mega back door Roth, unless you want a lot in the RHA.
Yep. And if you were close to retiring at any age or close to 59.5, it would have been huge to do the mega in conjunction with spill to the CBP to allow in/post-service rollover withdrawals to an IRA.

LJ Driver 11-01-2025 11:28 AM
Originally Posted by ThumbsUp (Post 3965457)
Yep. And if you were close to retiring at any age or close to 59.5, it would have been huge to do the mega in conjunction with spill to the CBP to allow in/post-service rollover withdrawals to an IRA.
I’ve been saying this for 2 years, it’s especially fantastic for pilots nearing retirement. Fallen on deaf ears.


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