How We Help
What We Do
Financial planning is the foundation of everything we do. Every client receives a Financial Operating Manual — a comprehensive, written plan built specifically around the realities of flying for American Airlines.
That plan isn't theoretical. It is actively implemented, monitored, and updated as your career and life evolve. And it follows one sequential framework from day one: the FOM.
Stability. Wealth Building. Freedom. In that order.
What's Included
Every client relationship includes both financial planning and investment management — fully integrated, not sold separately.
Financial Planning
A written Financial Operating Manual tailored to your specific career stage, income, family situation, and goals
Tax planning — Backdoor Roth IRA strategy, asset location across accounts, year-end optimization
Cash flow and debt strategy built around the FOM framework
Education funding — 529 planning without compromising retirement
Insurance review — life, disability, liability, and aviation-specific considerations
Estate planning coordination — beneficiaries, documents, legacy planning
Pension analysis —monthly annuity modeling when the time comes
Social Security and retirement income sequencing
Career transition planning — Captain upgrades, income changes, mandatory retirement at 65
Investment Management
Portfolio design and implementation
Passive, evidence-based strategy using low-cost index funds
Automated quarterly rebalancing
Asset allocation aligned with your timeline and the FOM framework — not a questionnaire score
Access to RightCapital, our financial planning software — your complete financial picture, available anytime
How We Work Together
The Quarterly Service Calendar
We keep planning intentional and efficient. Meetings happen when they add real value.
Every client follows our quarterly service calendar — four focused touchpoints per year, each aligned with the natural rhythm of financial planning and the natural rhythm of a pilot's schedule.
Q1 — Look Forward
Our primary planning session. We update your goals and life changes, refresh financial projections, confirm asset allocation across all accounts, review 401(k), Roth, HSA, and 529 contributions, and build your tax plan for the year ahead. This meeting sets the direction for everything that follows.
Q2 — Insurance Review
We review your coverage against your current career stage and family situation — life, disability, liability, and aviation-specific considerations. Most pilots are either over-insured in the wrong areas or dangerously underinsured where it matters. We fix that.
Q3 — Estate Plan Review
We review your estate plan and beneficiary designations and confirm they reflect your current wishes and long-term intentions. This is the review most generalist advisors skip. We don't.
Q4 — Look Back
A focused year-end session covering Roth conversion opportunities, charitable giving strategies including Qualified Charitable Distributions and Donor-Advised Funds, and year-end tax and income decisions. Most of the best tax moves of the year happen in Q4 — or get missed entirely.
Between Meetings
Most questions don't need a scheduled call. They need a fast, accurate answer from someone who already knows your situation.
You have direct access via text, phone, and email. Questions get answered when they come in — during layovers, between trips, on the ground. That's how pilots communicate. We operate the same way.
Our Pricing
A Fee Structure Built for AA Pilots
Why Traditional Advisors Aren't Built for Pilots
Most financial advisors are paid based on assets under management — the money they directly manage in IRAs and brokerage accounts. They typically don't manage your 401(k), and their revenue only increases when those outside accounts grow.
For American Airlines pilots, that's a problem.
During your early and mid-career years, most of your wealth is building inside your 401(k) — where traditional advisors can't charge a fee. The smartest financial moves for pilots during these years often include:
Maximizing 401(k) contributions
Using the Backdoor Roth IRA strategy
Paying off consumer debt
Strategically reducing mortgage debt
Rolling Traditional IRAs into your 401(k)
None of these increase an advisor's revenue. Some actually reduce it.
So under the traditional model, pilots are often only "profitable" clients near retirement — long after the years when good advice matters most.
That misalignment is built into the system. We don't think that's acceptable.
How We're Different
Our fee structure is built around one principle: we should only benefit when we give you advice that is genuinely in your best interest. No commissions. No product sales. No incentive to guide you toward anything other than what your Financial Operating Manual says is right.
If paying down debt is the right move — we say it. If rolling your IRA into your 401(k) unlocks Roth opportunities — we say it. If investing less today creates more freedom tomorrow — we say it.
There is no version of your financial situation where our recommendation is shaped by what grows our revenue. That's what genuinely conflict-free advice looks like.
Why We Specialize
We serve one niche. American Airlines pilots.
We already understand your pay system, your pension, your contract, your benefits structure, and your mandatory retirement at 65. We don't spend your time or ours getting up to speed on how your career works. That specialization makes us faster, more accurate, and more useful than a generalist who has to figure out your world from scratch.
What Does It Cost?
We walk through our fee structure in detail during your Initial Flight Plan session, so you understand exactly what you would pay and what you would receive before either of us commits to anything.
No surprises. No pressure. Just an honest conversation.
Traditional advisors are built to manage money. We're built to guide pilots.
Our fee structure exists so we can give you the right advice at every stage of your career — from your first year as a new hire through your last flight as a Captain and into retirement.
Aligned incentives. Transparent pricing. Advice built for American Airlines pilots.
Your Initial Flight Plan
The first step is a focused, complimentary 60-minute session we call the Initial Flight Plan.
This is not a sales call. It is a working session.
We look at where you are in your career, where you want to go, and what your Financial Operating Manual would actually look like for your specific situation. You leave with a clear picture of the FOM framework applied to your life — and an honest sense of whether working together makes sense.
One conversation. No obligation. No pressure.