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We take protecting your data and privacy very seriously and your personal information will never be sold. Our contact questionnaire is HIPAA compliant. Important Disclaimer: No part of the information on this website is intended to be investment, legal or tax advice and is for informational purposes only. Any use or reliance on the information on our content is solely at your own risk and discretion. We are an independent insurance services firm that helps retirees create & maximize retirement strategies that include insurance products. Investing in involves risk, and may result in the loss of principal. While we focus on preservation of capital, losses may occur, especially in periods of declining market conditions. Wealth Pilots agents may be able to identify potential retirement income gaps and may introduce insurance products, as part of the overall retirement plan solution. Any references to guaranteed lifetime income or preservation of capital, generally refer to fixed insurance products, never securities or investment products. We are licensed insurance agents & not investment advisors or securities licensed. Insurance products are backed by the financial strength and claims-paying ability of the issuing insurance company. Investment Advisory Services offered by Randy Watson IAR, CLU® are offered through Wealth Watch Advisors, an SEC Registered Investment Advisory Firm, www.wealthwatch.com. Wealth Pilots LLC and Wealth Watch Advisors are not associated entities. Vanguard Advisors Alpha: https://www.vanguard.com.au/personal/learn/smart-investing/portfolio-building/advice-improves-more-than-just-returns **Nobel Laureate William Sharpe https://www.bloomberg.com/opinion/articles/2017-06-05/tackling-the-nastiest-hardest-problem-in-finance
Personal Wealth Management Done Right
Is your portfolio and IRA prepared for higher taxes when the Tax Cuts & Jobs Act expires in 2025? If not, your portfolio needs a parachute.
What makes Wealth Pilots Different?
We specialize in Roth IRA conversions.
Get exclusive access to our proprietary IRA technology suite, created by our in-house data analyst & our strategic partner who spent 16 years at Goldman Sachs managing the global teams $250B Alternative Investment & Mutual Fund trading platform.
You only get one shot at a Roth IRA conversion. Avoid A costly tax mistake...Get it right from the start!
Does Your Portfolio Need A Parachute?
Get In Touch
Meet The Team
Your Retirement Transition Specialists
- Retire Smarter
- Retire Sooner
- Retire Safely
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Collaborative
We help you plan for the expected AND the unexpected, by simplifying & customizing retirement strategies to grow your wealth & lower your taxes in retirement. Our process is collaborative, data driven & statistically designed to optimize portfolio performance & increase your income.
Roth IRA Conversions
Most IRA owners don't have a solid strategy to transition their forever taxed traditional IRA to a never taxed Roth IRA. We help you avoid "reverse dollar cost averaging" & irreversible IRA conversion mistakes.
Virtual Efficiency
We're 100% virtual because it's the most efficient, & healthy way for you & for us. Working remotely allows us to maximize the efficiencies of technology, maintain full collaboration with you, while giving you total control & saving you time, all from the comfort of your home.
Responsible
We adhere to a true fiduciary standard to ALWAYS act responsibly & in your best interest, with full transparency & without bias. We respect you, your privacy & your data. Because we operate virtually, we go above & beyond what's required to earn your trust.
Results
Retire with confidence. We use proprietary IRA technology to ensure your IRA conversion is tactical and tax optimized to preserve and even supercharge your Roth IRA.
According to a Nobel Prize winning economist William Sharpe, “decumulation”, or the use of savings in retirement is “the nastiest and biggest problem in finance today”.
When individuals reach retirement, many don’t know how complex it can be to transition from the accumulation of assets phase to the decumulation and spending of assets phase. What works in one stage of life can backfire in another. Understanding the impact of shifting from accumulation to distribution is critical.
Without a solid strategy, many retirees with IRA's or pension plans are left to figure out how to make their money last for the rest of their lives through trial and error. This opens them to the risk of running out of money and leaving their retirement future in the hands of someone else.
According to an article in Bloomberg interviewing William Sharpe, “many financial planners use a simple rule of thumb withdraw 4 percent a year from your savings until you either die or run out of money”. This one-size-fits-all solution is dangerous because according to an article from Blackrock, and a study by the Social Security Administration, “1/3 of 65-year-olds are living past age 90”, which means the decumulation phase can last decades. This longevity risk can result in result in running out of money in retirement.
“Making the transition from accumulation to decumulation can be difficult, because the math used to accumulate assets is entirely different than how the math works to distribute assets”, it's common for people to underestimate this transition that can lead to a portfolio death spiral says Robert Neace of Wealth Pilots. We help retirees reduce volatility that can lead to large losses and those losses can compound and cannibalize a portfolio, especially when taking withdrawals."
“Wealth Pilots specializes in helping pre-retirees and retirees seamlessly transition from the accumulation phase to the decumulation phase through a collaborative and transparent process using technology as the guide and letting the data decide, what’s in our client’s best interest”, says Robert Neace of Wealth Pilots.
“Comprehending the range of possible future scenarios from any retirement income strategy is difficult and choosing the proper strategy can seem like an impossible task, which is why we use technology that simulates in real time how a portfolio will perform under thousands of market conditions”, says Jim Billington of Wealth Pilots. "We know that the need is great and the stakes are high for retirees which is why we aim to lower portfolio risk, while also improving overall portfolio performance”.
ROTH IRA CONVERSIONS: Many of our clients have million dollar IRA's & 401(k)'s. We help convert traditional IRA's to a tactical Roth IRA to help you avoid costly conversion tax mistakes.
RETIREMENT TRANSITION: We help our clients seamlessly transition from the accumulation phase of life into the & distribution phase in retirement with a focus on increasing growth & income.
TAX REDUCTION: Retirees with IRA's can end up paying triple taxation without a proper strategy. Converting to a tactical Roth IRA can eliminate the up front transfer tax & reduce your tax obligation.
What we do
What we do
DATA DRIVEN TECHNOLOGY: Our proprietary IRA technology was developed to help you avoid costly & irreversible IRA conversion mistakes. We let technology be our guide & let the data decide what's in YOUR best interest.
VIRTUAL CALLS We operate 100% virtually to maximize efficiencies while maintaining full collaboration with you, giving you total control & saving you time, all from the comfort of your home
TRANSPARENCY: Our process is designed to be collaborative, data driven, transparent & non biased.
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How we do it
How we do it
We Believe In Giving Back
Hunger has no boundaries including children. Feeding America is the largest charity working to end hunger in the United States. We bring food to people facing hunger.
Feeding America's Children
CRS provides lifesaving nutritional support to more than 190 million people in more than 100 countries that suffer from hunger and malnutrition.
Lifesaving Support
The ASPCA works to rescue animals from abuse, and supports passing of humane laws against cruelty and neglect.
Humane Animal Laws
Tunnels To Towers helps homeless veterans & first responders build mortgage-free smart homes & provides services for those that are most catastrophically injured.
Vets & First Responders
Questions?
Vancouver WA
We Help You
Collaborative
We help you plan for the expected AND the unexpected, simplifying the complex & customizing realistic retirement plans to safely grow & preserve your wealth. Our plans are collaborative, data driven & statistically designed to improve portfolio performance & increase income.
Asset Protection
The majority of investors have no idea that most of their assets are fully exposed & not properly protected against lawsuits & negligence that can decimate a lifetime of savings.
Virtual Efficiency
We're 100% virtual. It's the most efficient, & healthy way for you & for us. Working remotely allows us to maximize the efficiencies of technology, maintain full collaboration with you, while giving you total control & saving you time, all from the comfort of your home.
Responsible
We adhere to a true fiduciary standard to ALWAYS act responsibly & in your best interest, with full transparency & without bias. We respect you, your privacy & your data. Because we operate virtually, we go above & beyond what's required to earn your trust.
Results
Using cutting edge data driven technology developed by a Goldman Sachs mathematician we provide each of our clients personalized & statistically proven results, regardless of their portfolio size. Technology is our guide & we let the data decide what's in YOUR best interest.
Randy Watson
Wealth Watch Strategic Partner
CLU Chartered Life Underwriter
Certified Financial Fiduciary
TM
TM
TM
DIY Is Great For Home Improvement...
But NOT For Portfolios & IRA's
Research Shows Most DIY Portfolio's Underperform
Millions of people DIY manage their own personal assets, but proprietary research by Vanguards Adviser's Alpha* estimates that financial advice improved net returns by 3% per year over self managed portfolio’s. Below is an example of a $600,000 portfolio growing at 5% over 25 years & 8% over 25 years. The 3% advantage by utilizing financial advice resulted in a portfolio that more than doubled over the same period of time.
Managing Your Own Personal Assets Could Cut Your Portfolio In Half Over Time
To Read A Team Member's Bio Click Their Name Or Click IN To Access Their Linkedin Page
Your Ticket To A Tax Free Retirement
Elevate Your Wealth
Elevate Your Wealth
TM
®
Fire Departments
Labor Organizations
Healthcare
Law Enforcement
Honored To Have Served Clients From These Industries
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Future
Plan your FUTURE & a better retirement with our proprietary IRA conversion tech stack
Lifetime
Tax optimize the money inside your IRA to last your LIFETIME and beyond.
IRA Optimization
Avoid the "IRA Death Spiral" & INCREASE the performance of your IRA, or retirement account.
HEDGE against risk with managed growth strategies and the 4 pillars of asset protection.
GROWTH with less risk, that helps you earn more in retirement & stay ahead of inflation.
Hedge
Growth
Transition
Make the TRANSITION from a traditional IRA to a Roth IRA and pay up to 60% less in conversion tax.
FLIGHT PLAN
There Are 3 Ticking Tax Time Bombs Lurking Inside Your IRA
Without A Strategy To Defuse Them, The IRS Could Be Your Biggest Beneficiary Of Your IRA
YOUR IRA FLIGHT PLAN
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Foundational Safe Growth
Proactive Money Management
Wealth Watch
Meet Our Strategic Partner
Leverage The Wealth Watch Team To Optimize Your Financial Planning Results
James Jurica
Wealth Watch Strategic Partner
CFP Certified Financial Planner
ChFC Chartered Financial Consultant
CLU Chartered Life Underwriter
AEP Accredited Estate Planner
One Of The Biggest Problems Retirees Face Today Is The Decumulation Of Assets Says Nobel Prize Winning Economist
VIRTUAL ADVISORS
VIRTUAL ADVISORS