ILS Financial

Blessed to have the opportunity to coach at Alliance Sports Training’s 2026 football and cheer camp yesterday. Great day with a bunch of great kids and coaches!

ILS Financial has a new home online.

I rebuilt the site from the ground up — not as a brochure, but as a real resource for the people I actually work with.

Military aviators approaching separation.
Airline pilots managing peak earning years.
Fractional crew navigating variable income.
Senior officers facing permanent retirement elections.

The site is built around one idea: most financial problems in these careers aren't income problems.

They're sequencing problems.

Wrong decisions. Right decisions made in the wrong order. Permanent elections made without modeling second-order effects.

That's where mistakes compound quietly — and that's exactly what the new site is designed to help prevent.

Drop a comment or check the link below to visit The Briefing Room — it's where I explain how I actually think about this work.

📌 Link in first comment.

Veteran commercial pilots, what was your biggest concern when transitioning from the military to the airlines? Comment below.

Merry Christmas! May your day be filled with blessings.

Many people I work with do not desire to quit working completely. I think the phrase "work optional" is so much more accurate than retirement.

My dad retired last year, and he's now working 2 part-time jobs. They keep him active and social. The author's dad retired last year from the insurance job he'd been working for 30 years. At 65, he was ready. However, he wasn't ready to be done working, and he now has two part-time jobs. They keep him active and social, and he loves having the extra money.

Fed Rate Cut in October Is as Good as Done. December Is Where It Gets Interesting. Federal Reserve officials have signaled they will cut interest rates again in October. But the December outlook is murky, especially given the government shutdown and dearth of official data.

You’re Using AI — But Are You Using It Well? 3 Steps To Consider The pace of AI development means even the well-informed feel left behind. Gen-AI can be transformational only if we learn to master it. Steps to take in your AI journey.

Private Assets May Soon Be an Option in 401(k)s. Should You Invest? Approach private assets in your 401(k) with caution: Retirement savers may gain access to bigger returns in investments like private equity and debt funds, but it can come with steeper costs, greater risk and less liquidity. Here is what to know.

We, therefore, the Representatives of the united States of America, in General Congress, Assembled, appealing to the Supreme Judge of the world for the rectitude of our intentions, do, in the Name, and by Authority of the good People of these Colonies, solemnly publish and declare, That these United Colonies are, and of Right ought to be Free and Independent States; that they are Absolved from all Allegiance to the British Crown, and that all political connection between them and the State of Great Britain, is and ought to be totally dissolved; and that as Free and Independent States, they have full Power to levy War, conclude Peace, contract Alliances, establish Commerce, and to do all other Acts and Things which Independent States may of right do. And for the support of this Declaration, with a firm reliance on the protection of divine Providence, we mutually pledge to each other our Lives, our Fortunes and our sacred Honor.

Where you choose to live after your military career is over has a big impact on the cost of living. While it doesn't cover state veteran's benefits this is a good cost of living article.

If you want to save money, move to Tennessee. Here's how the other 49 states match up. Based on seven metrics, Bankrate found that Tennessee is the easiest state to save money. It ranked states using tax burdens, cost of living, and other measures. Saving money can be easier in the South and tougher in Hawaii and the Northeast.