United Plans

As a United pilot, your Pilot Retirement Account Plan (PRAP) 401(k) is your primary way of saving for retirement. RAA is proud to offer professional investment management for your 401(k) through Schwab’s Personal Choice Retirement Account (PCRA).

For eligible legacy United pilots, your pension plan is now administered and paid by the Pension Benefit Guaranty Corporation (PBGC). The A Fund for legacy Continental pilots was frozen in 2005 and the plan defines the benefits you receive when you retire, based on time of service and final average salary. United also contributes on your behalf to a Retiree Health Account (RHA), which can be used upon retirement to pay for qualified medical expenses.

RAA can help you understand how these benefits fit into your overall picture, as well as how to optimize your available options to prepare for retirement. We can also work with you to determine which benefit plan(s) work best for your needs, including pre- and post-retirement health care plans, union benefits, and government benefits.


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 United 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 Crissman
Jeff Egli
Chris Jackson
James Linebarger
Chris Wiggins

Download a United 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