401k

The Pilot Retirement Account Plan, more commonly referred to as the PRAP, is a very robust 401k with many options including the Personal Choice Retirement Account (PCRA). The funds available to you in your general 401k can be limited and expensive, not to mention difficult to figure out. We can help you funnel assets into the PCRA and build out a robust customized investment strategy, taking advantage of a variety of investment options unavailable in your core 401k options.

Additionally, we can help you to avoid the large tax bill (and expensive Medicare costs) which can be a pitfall of early pre-tax contributions to your 401k.

Legacy Pensions

Whether you have a United Pilots Defined Benefit Plan (or United A Plan/PBGC Pension) which requires cash flow planning or the Continental Pilots Retirement Plan (CPRP) which is more flexible and allows for a lump sum rollover once you retire, we can help you to analyze your specific pension and determine if it makes sense to rollover the cash value or activate its potential income stream to fit into your entire cash flow plan.

Health Spending Accounts

There are two types of health spending accounts - The Retiree Health Account (RHA) and the Active health Reimbursement Account (HRA). Both provide excellent benefits for Pilots...if you can overcome the bureaucratic hurdles to reimbursement approvals. We are here to help you structure things and guide you toward submitting for reimbursement so as to maximize the probability of getting your money out in retirement.

Retire with Confidence

With Delphi, you can depend on us to help you create a comprehensive retirement plan, including cash flow and investment strategies. Best of all. You can rest secure, that unlike some other companies who are motivated only by the bottom line, we will never sell you products or put our own needs ahead of yours. Our number one priority is to ensure your smooth transition into retirement.