Our Process
Understanding your story. Designing your future.
At Watermark Aviation Wealth Management, we believe meaningful financial planning begins with meaningful relationships. Before making recommendations or designing a retirement strategy, we take the time to truly understand each client's unique circumstances, goals, concerns, and aspirations. We learn about where they are today, where they want to be tomorrow, and the lifestyle they envision for themselves and their loved ones. By building a strong foundation of trust and understanding, we are able to create personalized retirement and wealth management strategies tailored to each client's individual needs and long-term objectives.
Your retirement strategy is designed around your specific life, including:
Your desired monthly income in retirement
- Your expected retirement age
- Social Security considerations
- Tax implications over time
- Inflation and long-term cost of living
- Unique benefits like accrued sick time
The result is a clear, personalized roadmap—so you know exactly where you’re headed and how to get there.
We make the most of your company-sponsored 401(k) plan while you’re working
Many airline professionals are doing the right thing—contributing to their 401(k) and taking advantage of the company match.
But what most don’t realize is this:
And for many employees, those investments are never fully optimized.
We partner with you to assess and work directly with your company-sponsored 401(k) plan – helping you to make more intentional, strategic investment decisions.
- Select and adjust investments within your 401(k) plan
- Actively manage and rebalance your portfolio over time
- Align your investments with your long-term goals and retirement timeline
- Avoid the “set it and forget it” approach that can limit growth potential
Instead of your retirement savings sitting idle, we help ensure they’re working for you.
We can expand your investment options
In addition to your 401(k), we help you go further.
We assist in setting up self-directed investment accounts, giving you:
- Greater flexibility beyond your employer-sponsored plan
- Access to a broader range of investment opportunities
- More control over how your money is working for you
This allows us to build a more complete and strategic financial picture.
We prioritize planning for your future
As your career progresses, your options expand.
Once you reach age 59½, you may become eligible to roll over your retirement assets into an account we manage more directly.
When that time comes, we will help you:
- Evaluate your options
- Transition your assets smoothly
- Continue managing your investments with a long-term strategy
We provide ongoing guidance – at no additional cost
We believe financial guidance should be accessible and ongoing.
That’s why:
- We do not charge a fee for working with your 401(k)
- You can meet with us as often as needed
- We’re available to answer questions and provide clarity at every stage
Our goal is to build a long-term relationship—not a transactional one.
We’re built on experience
We’ve been helping professionals in the airline industry navigate their financial lives for over 27 years.
That experience allows us to understand not just the numbers—but the realities of your career, your benefits, and your long-term opportunities.
Retirement isn’t just an end – it’s a transition into a new and meaningful chapter of life.
Ready to take control of your financial future? Let’s build a plan designed for your career, your goals, and your life.
