AOPA Turbine Pilot Magazine - August 2022 - T-4
FINANCE
Aviation Finance content sponsored
by Aero-Space Reports
BY ADAM MEREDITH / President, AOPA Finance
Financing and retirement
Is it better to buy before you leave the workforce?
" WHEN IS THE best time to finance
an aircraft-before or after I retire? "
We're getting that question a lot more
these days.
If the goal is to present the best possible
scenario of yourself to a lender,
then the answer is always " before. "
Most aircraft loans are based on cash
flow (versus income), which means the
lender needs to see cash flow sufficient
to pay all debts plus the debt of the aircraft
while still leaving about another
60 percent left over to cover the cost
of living.
Consistency is key to aircraft lenders,
and generally they are looking to
see that cash flow is consistent year
over year. When moving from full-time
employment to retirement, income flow
will usually change. Whether that be
pension payments, taking retirement distributions
from IRA/401(k) plans, Social
Security, or other sources, lenders need
to be able to determine that cash flow will
be sufficient to support all of your bills
plus an aircraft loan and maintenance
expenses. Some lenders may be willing to
project retirement income via statements
for 401(k) and IRA accounts, others may
require up to two years of 1099 forms and
personal tax returns to gauge what this
looks like.
T-4
AOPA PILOT / August 2022
Generally, it is best to seek aircraft
financing while you are still employed
full time and look to close on the aircraft
purchase prior to your official
date of retirement. This will make the
process easier as the underwriting will
be based on the prior two years and
current income versus the need to project
retirement income or need to wait for two
full years of tax returns after retirement.
This is not to imply retired folks
can't get financing. The point to remember
is with the more restricted cash flow
a retiree enjoys, usually from interest
and/or dividends, residual income from
the business or businesses in which the
retiree may have an interest, or other
pension or retirement savings accounts,
a lender must feel comfortable that
the prospect will meet the aforementioned
criteria.
Some lenders will make exceptions
by assuming a conservative percentage
of marketable securities that could
be used as part of debt service. Again,
most lenders are looking at actual cash
flow to determine repayment ability.
Your options may be limited if you have
income (or your investments are going
up), but you are not distributing the gains
as cash flow. adamanswers@aopa.org
aopafinance.org 800-62-PLANE (75263)
http://www.aopafinance.org
AOPA Turbine Pilot Magazine - August 2022
Table of Contents for the Digital Edition of AOPA Turbine Pilot Magazine - August 2022
Contents
AOPA Turbine Pilot Magazine - August 2022 - Intro
AOPA Turbine Pilot Magazine - August 2022 - BB1
AOPA Turbine Pilot Magazine - August 2022 - BB2
AOPA Turbine Pilot Magazine - August 2022 - Cover1
AOPA Turbine Pilot Magazine - August 2022 - Cover2
AOPA Turbine Pilot Magazine - August 2022 - Contents
AOPA Turbine Pilot Magazine - August 2022 - 2
AOPA Turbine Pilot Magazine - August 2022 - 3
AOPA Turbine Pilot Magazine - August 2022 - 4
AOPA Turbine Pilot Magazine - August 2022 - 5
AOPA Turbine Pilot Magazine - August 2022 - 6
AOPA Turbine Pilot Magazine - August 2022 - 7
AOPA Turbine Pilot Magazine - August 2022 - 8
AOPA Turbine Pilot Magazine - August 2022 - 9
AOPA Turbine Pilot Magazine - August 2022 - 10
AOPA Turbine Pilot Magazine - August 2022 - 11
AOPA Turbine Pilot Magazine - August 2022 - 12
AOPA Turbine Pilot Magazine - August 2022 - 13
AOPA Turbine Pilot Magazine - August 2022 - 14
AOPA Turbine Pilot Magazine - August 2022 - 15
AOPA Turbine Pilot Magazine - August 2022 - 16
AOPA Turbine Pilot Magazine - August 2022 - 17
AOPA Turbine Pilot Magazine - August 2022 - 18
AOPA Turbine Pilot Magazine - August 2022 - 19
AOPA Turbine Pilot Magazine - August 2022 - 20
AOPA Turbine Pilot Magazine - August 2022 - 21
AOPA Turbine Pilot Magazine - August 2022 - 22
AOPA Turbine Pilot Magazine - August 2022 - 23
AOPA Turbine Pilot Magazine - August 2022 - 24
AOPA Turbine Pilot Magazine - August 2022 - 25
AOPA Turbine Pilot Magazine - August 2022 - 26
AOPA Turbine Pilot Magazine - August 2022 - 27
AOPA Turbine Pilot Magazine - August 2022 - 28
AOPA Turbine Pilot Magazine - August 2022 - 29
AOPA Turbine Pilot Magazine - August 2022 - 30
AOPA Turbine Pilot Magazine - August 2022 - 31
AOPA Turbine Pilot Magazine - August 2022 - 32
AOPA Turbine Pilot Magazine - August 2022 - 33
AOPA Turbine Pilot Magazine - August 2022 - 34
AOPA Turbine Pilot Magazine - August 2022 - 35
AOPA Turbine Pilot Magazine - August 2022 - 36
AOPA Turbine Pilot Magazine - August 2022 - 37
AOPA Turbine Pilot Magazine - August 2022 - 38
AOPA Turbine Pilot Magazine - August 2022 - 39
AOPA Turbine Pilot Magazine - August 2022 - 40
AOPA Turbine Pilot Magazine - August 2022 - 41
AOPA Turbine Pilot Magazine - August 2022 - 42
AOPA Turbine Pilot Magazine - August 2022 - 43
AOPA Turbine Pilot Magazine - August 2022 - 44
AOPA Turbine Pilot Magazine - August 2022 - 45
AOPA Turbine Pilot Magazine - August 2022 - 46
AOPA Turbine Pilot Magazine - August 2022 - 47
AOPA Turbine Pilot Magazine - August 2022 - 48
AOPA Turbine Pilot Magazine - August 2022 - T-1
AOPA Turbine Pilot Magazine - August 2022 - T-2
AOPA Turbine Pilot Magazine - August 2022 - T-3
AOPA Turbine Pilot Magazine - August 2022 - T-4
AOPA Turbine Pilot Magazine - August 2022 - T-5
AOPA Turbine Pilot Magazine - August 2022 - T-6
AOPA Turbine Pilot Magazine - August 2022 - T-7
AOPA Turbine Pilot Magazine - August 2022 - T-8
AOPA Turbine Pilot Magazine - August 2022 - T-9
AOPA Turbine Pilot Magazine - August 2022 - T-10
AOPA Turbine Pilot Magazine - August 2022 - T-11
AOPA Turbine Pilot Magazine - August 2022 - T-12
AOPA Turbine Pilot Magazine - August 2022 - T-13
AOPA Turbine Pilot Magazine - August 2022 - T-14
AOPA Turbine Pilot Magazine - August 2022 - T-15
AOPA Turbine Pilot Magazine - August 2022 - T-16
AOPA Turbine Pilot Magazine - August 2022 - T-17
AOPA Turbine Pilot Magazine - August 2022 - T-18
AOPA Turbine Pilot Magazine - August 2022 - T-19
AOPA Turbine Pilot Magazine - August 2022 - T-20
AOPA Turbine Pilot Magazine - August 2022 - T-21
AOPA Turbine Pilot Magazine - August 2022 - T-22
AOPA Turbine Pilot Magazine - August 2022 - T-23
AOPA Turbine Pilot Magazine - August 2022 - T-24
AOPA Turbine Pilot Magazine - August 2022 - 49
AOPA Turbine Pilot Magazine - August 2022 - 50
AOPA Turbine Pilot Magazine - August 2022 - 51
AOPA Turbine Pilot Magazine - August 2022 - 52
AOPA Turbine Pilot Magazine - August 2022 - 53
AOPA Turbine Pilot Magazine - August 2022 - 54
AOPA Turbine Pilot Magazine - August 2022 - 55
AOPA Turbine Pilot Magazine - August 2022 - 56
AOPA Turbine Pilot Magazine - August 2022 - 57
AOPA Turbine Pilot Magazine - August 2022 - 58
AOPA Turbine Pilot Magazine - August 2022 - 59
AOPA Turbine Pilot Magazine - August 2022 - 60
AOPA Turbine Pilot Magazine - August 2022 - 61
AOPA Turbine Pilot Magazine - August 2022 - 62
AOPA Turbine Pilot Magazine - August 2022 - 63
AOPA Turbine Pilot Magazine - August 2022 - 64
AOPA Turbine Pilot Magazine - August 2022 - 65
AOPA Turbine Pilot Magazine - August 2022 - 66
AOPA Turbine Pilot Magazine - August 2022 - 67
AOPA Turbine Pilot Magazine - August 2022 - 68
AOPA Turbine Pilot Magazine - August 2022 - 69
AOPA Turbine Pilot Magazine - August 2022 - 70
AOPA Turbine Pilot Magazine - August 2022 - 71
AOPA Turbine Pilot Magazine - August 2022 - 72
AOPA Turbine Pilot Magazine - August 2022 - 73
AOPA Turbine Pilot Magazine - August 2022 - 74
AOPA Turbine Pilot Magazine - August 2022 - 75
AOPA Turbine Pilot Magazine - August 2022 - 76
AOPA Turbine Pilot Magazine - August 2022 - 77
AOPA Turbine Pilot Magazine - August 2022 - 78
AOPA Turbine Pilot Magazine - August 2022 - 79
AOPA Turbine Pilot Magazine - August 2022 - 80
AOPA Turbine Pilot Magazine - August 2022 - 81
AOPA Turbine Pilot Magazine - August 2022 - 82
AOPA Turbine Pilot Magazine - August 2022 - 83
AOPA Turbine Pilot Magazine - August 2022 - 84
AOPA Turbine Pilot Magazine - August 2022 - 85
AOPA Turbine Pilot Magazine - August 2022 - 86
AOPA Turbine Pilot Magazine - August 2022 - 87
AOPA Turbine Pilot Magazine - August 2022 - 88
AOPA Turbine Pilot Magazine - August 2022 - 89
AOPA Turbine Pilot Magazine - August 2022 - 90
AOPA Turbine Pilot Magazine - August 2022 - 91
AOPA Turbine Pilot Magazine - August 2022 - 92
AOPA Turbine Pilot Magazine - August 2022 - 93
AOPA Turbine Pilot Magazine - August 2022 - 94
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AOPA Turbine Pilot Magazine - August 2022 - 96
AOPA Turbine Pilot Magazine - August 2022 - 97
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AOPA Turbine Pilot Magazine - August 2022 - 100
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AOPA Turbine Pilot Magazine - August 2022 - 109
AOPA Turbine Pilot Magazine - August 2022 - 110
AOPA Turbine Pilot Magazine - August 2022 - 111
AOPA Turbine Pilot Magazine - August 2022 - 112
AOPA Turbine Pilot Magazine - August 2022 - Cover3
AOPA Turbine Pilot Magazine - August 2022 - Cover4
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