Clear. Transparent. No Surprises.
We believe pilots deserve straightforward pricing. No hidden fees. No commissions.
Why Our Pricing Works
- No Commissions – We act only in your best interest.
- Flat Fee for Instant Optimization – Option 1 – Simple, one-time service.
- Scaled for Growth When Your Ready – Option 2 – As your portfolio grows, your fee % decreases.
Fast 401k Optimization or Full Service Advisory: Your Choice
Option 1: Instant 401k Optimization – Emailed PDF
Your personalized 401(k) Optimization is built specifically for airline pilots, taking into account:
- Your Risk Tolerance – Growth, balanced, or conservative, your allocation reflects how much volatility you’re comfortable with while keeping your long-term retirement goals in sight.
- Current Market Trends – We factor in today’s economic environment, interest rate cycle, and sector opportunities to position your portfolio for near-term efficiency without straying from your long-term plan.
- Plan-Specific Options – Every airline’s 401(k) is different. We work directly with the funds and features available in your plan to build a strategy that makes the most of what you already have access to.
This allocation is designed with a shelf life of 2 to 3 months, after which we recommend a recheck to ensure your 401(k) remains aligned with both market conditions and your career/financial goals.
- $79 one-time Report Emailed Instantly
- $199/year 3 more Qtly Reports over the year
Option 2: Comprehensive Wealth Management
Our Comprehensive Wealth Management service goes beyond your airline 401(k) to provide full in-house portfolio management through our custodian, Wells Fargo Clearing Services.
We actively manage your investments across a wide range of account types, including:
- Rollover and traditional IRAs
- Old 401(k)s from previous employers
- Trust accounts
- Joint and individual taxable accounts
This service provides a cohesive strategy that integrates tax efficiency, retirement income planning, and long-term growth—all tailored to your financial goals as a pilot and family provider. By consolidating your accounts under one advisory relationship, you gain:
Direct fiduciary oversight—no commissions, just your best interests
A clear, unified investment plan across all accounts
Professional portfolio management aligned with your risk tolerance
Ongoing adjustments as markets and your career evolve
Assets Under Management (AUM) Fee Schedule:
- 2.00% on the first $100,000
- 1.50% on assets from $100,001 to $250,000
- 1.25% on assets from $250,001 to $500,000
- 1.00% on assets above $500,000
- Minimum household assets to qualify: $250,000
- Annual fee, billed monthly in arrears, automatically deducted from managed accounts.
Compare Our Services
| Feature | 401(k) Optimization | Comprehensive Wealth Management |
|---|---|---|
| Focus | One-time review & allocation for your airline 401(k) | Full-service management of all investment accounts |
| Accounts Covered | Current airline 401(k) | IRAs, old 401(k)s, Trusts, Joint & Individual taxable accounts |
| Investment Management | We create a customized allocation for you to implement | We manage investments directly in-house through our custodian (Wells Fargo) |
| Risk Tolerance | Allocation tailored to your comfort level | Ongoing management aligned with risk, goals, and tax efficiency |
| Market Updates | Designed with a shelf life of 6–9 months | Continuous monitoring & adjustments as markets evolve |
| Support | Email access for 401(k) questions | Dedicated advisor relationship & holistic planning |
| Fee Structure | Flat Rate: $79 One-Time, or $199/Year | Tiered AUM fee, starting at 2.00% on first $100k |
| Best For | Pilots wanting quick guidance & easy implement plan | Pilots & families wanting complete, hands-on wealth management |
PilotYour401k.com 