As a Delta employee, your Delta Pilots Savings Plan (DPSP)/Delta 401(k) Retirement Plan is your primary way of saving for retirement. RAA is proud to offer professional investment management for your 401(k) plan through BrokerageLink at Fidelity.
In addition to your DPSP, some pilots have qualified pension plan benefits being paid by the Pension Benefit Guaranty Corporation (PBGC) or through the Pre-Merger Northwest (PMNW) frozen pension, both with several payment options. For flight attendants and other employees, you may also have a frozen pre-merger Delta or pre-merger Northwest pension plan in addition to your 401(k). Our team can assist you in optimizing both your 401(k) and your applicable PBGC or PMNW pension benefit, taking into account your specific goals, income needs before and during retirement, health care expenses, Social Security income, and potential tax consequences. We can also help you determine which benefit plan(s) work best for your needs, including pre- and post-retirement plans and whether a Health Savings Account (HSA) is right for you.
For over 30 years, RAA has assisted pilots and their families with a variety of financial planning services including 401(k) management, comprehensive financial planning, retirement planning, investment management, estate planning, benefit reviews, tax guidance and return preparation, insurance guidance, income planning, and Social Security and Medicare guidance, as well as many others.
A Team of Experts Focused on Your Goals
If you are looking for a financial planner who knows the ins and outs of your Delta Air Lines and ALPA benefits, then you’ve come to the right place.
In addition to pilots and airline employees, the Delta team includes Certified Financial Planners (CFP®), Chartered Retirement Planning Counselors (CRPC®), and Certified Divorce Financial Analysts (CDFA®). Additionally, several members of the Delta team hold certifications such as the Accredited Investment Fiduciary (AIF®) and the Certification for Long-Term Care Insurance (CLTCi).
With years of financial planning experience and extensive knowledge about the goals and needs of airline employees, the Delta team is well-equipped to help you live your ideal financial life.
Our Airline Representative team is committed to serving the needs of our clients and their families.
Please contact us with any questions you have or to learn more about how we can help you.
Patrick Fisk, CFP®
Kenneth D. Mills
Jim George, MS
Download a Delta Financial Planning Checklist
There are many elements a pilot should consider when creating a comprehensive financial plan. Download the checklist to learn what actions you need to take to prepare for your financial future.
Request a Custom Financial Consultation
Discuss your financial situation with an advisor who understands your unique needs, goals, and circumstances. Get answers to questions such as:
- When would you like to retire?
- How much do you need to save?
- Do you know how to maximize your airline benefits?
- What are your short-term and long-term financial goals?
You’ll also get a better understanding of your probability of successfully achieving your goals at your current savings rate. Having clarity about your financial picture today can provide significant peace of mind for the future.