During the Working Years

For pilots in the early to middle stages of their career, Cleary Gull offers consultation on the development of a financial plan, including insurance, tax and investment planning.  This includes our program for continuing advice on appropriate investment options within your company provided plan.  We can also assist in evaluating early retirement options that may arise as a result of changing industry conditions or other employment opportunities.

Approaching Retirement

As you approach normal retirement in your airline career, Cleary Gull can provide you with a comprehensive proposal that evaluates all the options available within your company plan.  We will help you create projections of your future financial welfare based on many variables including your income requirements, inflation, taxes, social security, required minimum withdrawals and military or other plan benefits over a range of appropriate investment returns.  We will also provide a clear explanation of the various retirement plan options available so that your election will be financially appropriate.

Transition To Retirement

Cleary Gull maintains current information on the company-specific procedures you face at retirement.  Our personnel will assist you in complying with plan requirements and accurately completing your documents, resulting in a smooth and successful transition to retirement.  It will also be an appropriate time to review your estate planning documents for updates required by your change of status.  If you elect to become a client of Cleary Gull, we begin the orderly process of allocating your retirement assets based on the comprehensive plan we have developed with you, including proper rollover of your tax-deferred assets into IRAs.