What if you could use your retro pay to extend your runway in retirement?
The September APRP retro is a once-in-a-career maneuver. Paul Fugere & David Befort present the Infinite Banking Blueprint for FedEx aviators — keep the capital, compound it tax-free, and build a legacy that outlasts the flight log.
Altitude · 35,000 FT · Cleared for Approach
Featured · Listen Now
If You Haven't Already Watched It:
The Wealth Warehouse · Full Episode
Retro Pay Got Taxed For FedEx Pilots? (Here's What To Do)
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The 5-Point Pre-Flight Check
Five reasons every FedEx pilot should consider implementing Infinite Banking — derisk the portfolio, build certainty, and engineer a legacy.
Survivor Benefit Optimization
FedEx-specific: your pension, your control. The Survivor Benefit Plan quietly siphons up to $40K/yr from your pension. Build your own survivor benefit plan and maintain control of your capital at the same time.
The Volatility Buffer
Critical at FedEx's forced age-65 retirement. A market dip right at retirement can put your portfolio into the “region of reverse command.” With a volatility buffer of cash, you stop being forced to sell shares low — and push your safe withdrawal rate toward 9%.
The Retirement Money Multiplier
Compounds the longer you fly. Cash never leaves your system — it compounds uninterrupted while you leverage a personal line of credit tax-free. By retirement, your policy becomes a money multiplier — turning years of premium into a growing pool of accessible, tax-free cash.
Market Decoupling
Your fixed-income safe-money layer. When the market dives, your cash value still climbs — guaranteed, plus dividends. Keep the throttles up on the growth side with a non-correlated asset.
The Rockefeller Legacy
A private contract, tax-free to heirs. Income-tax-free lump sums to your family, long-term care benefits via a chronic-illness rider, and a legacy that compounds generation to generation.
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The Briefing Room
Short 3–5 minute briefing segments distilled from the full conversation, plus recommended deep-dive podcast episodes for pilots who want to go further.
Briefing Segments · 3–5 min
The Survivor Benefit Plan Trap
Why giving up $20K–$40K/year of your pension may be the most expensive default in retirement.
Sequence of Returns Risk, Solved
How a volatility buffer turns the 4% rule into a 9% license to spend in retirement.
The Rockefellers Used This
Walt Disney, J.C. Penney, and the Rockefellers — why the wealthy bank on themselves.
Deep-Dive Podcasts · Full Episodes
Whole Life Insurance vs Bonds · w/ Ryan Fleming
Wealth Warehouse — Ryan Fleming joins Dave & Paul to make the case for whole life as the fixed-income sleeve in a pilot's portfolio.
Working With a Financial Advisor · The Pilot's Advisor
Wealth Warehouse — Ryan Fleming on managing a pilot's 401(k), the brokerage link, and his journey to Infinite Banking.
Rethinking Your Survivor Benefit Options with Dave Befort
The Pilot's Advisor — Dave Befort breaks down why the default Survivor Benefit Plan may not be your best option.
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Book a call
Book a 30-minute intro call with David Befort and get a tailored understanding of how Infinite Banking fits your FedEx career and retirement plan.
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