Spirit Plans

As an active Spirit pilot, your Spirit 401(k) is your primary way to save for retirement. RAA is proud to offer professional investment management for your 401(k) through Schwab’s Personal Choice Retirement Account (PCRA).

Our team can assist you in optimizing both your 401(k) and other benefits offered to you by Spirit or other sources, 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 health care plan is right for you based on your specific circumstances.


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.

Meet the Spirit Team

Kat Schraeder, CFP®

Managing Director

Cheryl Carlson


Darlene Hunter


Michael Kane, CFP®

Vice President, Financial Consultant

Paul Ochel, CFP®

Senior Relationship Manager

Dave Robertson, CRPS®

Relationship Manager

Susan Rosing

Planning Manager

Airline Representatives

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.



Mark Graca

Download a Spirit 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.

Download the Checklist

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.

Request a Consultation