Client First
As fiduciaries, we are required to put your interests first. We are paid only by our clients and not by any products or services we use or recommend.
We charge a one-time fee for planning and onboarding. Our ongoing fee is based on a percentage of the assets we manage. This covers all management, ongoing planning, updates, and support. We deduct fees quarterly from the accounts we manage and send a fee summary so it is always clear how much you are paying.
Typically, no. We focus on long-term relationships that allow us to provide ongoing guidance as your situation and decisions evolve over time.
We will never directly access your PRAP. Instead, by signing a Limited Power of Attorney for Trading, your PCRA will be linked to our institutional trading platform at Schwab. This allows us to place trades within your PCRA on your behalf.
We implement a globally diversified portfolio using exchange traded funds (ETFs). We do not market time nor make guesses on near-term market moves. This means your portfolio will be continuously invested. This academically backed approach does not require frequent trading. We invest PCRA contributions twice a month; and invest contributions to other account as soon as feasible.
Our clients stay with us after retiring from United. In your last few years at United we help you transition into having a retirement “paycheck.” Our clients find our help during this transition period very valuable. After you leave United we will help you implement a tax-efficient retirement income plan.
Yes. Many of our clients have military backgrounds, including active duty retirees and Guard/Reserve members. Our focus is making sure all benefits work together in a clear, coordinated retirement plan.
From discovery meeting to plan delivery (three Zoom meetings), the process usually takes about 4 to 8 weeks. The biggest factor in that timeline is how quickly client financial information is provided to us. Once we have everything, we move as efficiently as possible based on our current workload. Fall and winter are busier, so timelines may be on the longer end during those periods.
How Is The Planning Process?
Start by reaching out through our Contact page. We will follow up with a brief introduction, and with your permission, send a short pre-meeting survey. The survey will ask for some background information and set the stage for our first meeting. After reviewing that, we’ll send you a scheduling link to set up your first meeting—a discovery conversation where we’ll begin to understand your goals and how we can help.
This is a no-obligation meeting where we get to know you and tell you how we serve United pilots.
We will provide a checklist of financial information needed to build your plan.
We will review your information, goals and objectives with you, and choose an investment portfolio.
Your advisor will create your plan based on your goals, objectives and concerns.
We will meet to deliver our recommendations and discuss implementation.
At a very minimum, we will reach out for an annual review. This allows us to stay in touch with you, update your plan and provide insights that you may not be aware of. However, you are not limited to meeting once a year if life changes happen or questions come up.