Point Nemo Capital
Investment management for airline pilots.
Financial command at every altitude. Point Nemo Capital provides fiduciary investment management built around the realities of a professional flying career — from first officers opening their first accounts to captains stewarding multimillion-dollar portfolios.
The Audience
Financial decisions across an aviation career
A pilot's financial life follows a trajectory few other professions share — and it deserves advice that respects the differences.
The arc of a flying career is long and structured. Training debt gives way to first-officer wages, seniority builds over decades, and the final years bring some of the most consequential financial decisions of the entire career. Choices made early compound for a lifetime; choices made near retirement must be executed with precision.
The demands of the job leave little margin for financial administration. Irregular schedules, nights away from home, recurrent training, and a career whose milestones arrive on seniority's clock — not yours — make it hard to give a portfolio the attention it needs. That is the gap a dedicated adviser exists to fill.
Point Nemo Capital works with pilots across the full arc of the career: early accumulation, mid-career planning, and retirement transitions — including households stewarding multimillion-dollar portfolios. We coordinate investment strategy, risk, liquidity, taxes, family goals, financial planning, and retirement income as one integrated system.
The Flight Cycle
The arc of a pilot's financial life
Three broad phases, each with its own decisions. Most pilots move through all of them over a long career.
Building the foundation
First officers juggle competing priorities: paying down training debt, building reserves, and beginning to invest — often on a junior pilot's budget while flying a full monthly schedule. We help set structural priorities early, so compounding has decades to work.
- Reserves sized to the real schedule
- Foundational portfolio construction
- Automatic, disciplined investing habits
Coordinating complexity
By mid-career, a pilot's financial life usually involves a family, a home, education accounts, growing balances, and layered tax decisions. We coordinate investment strategy, risk exposure, liquidity needs, and family goals as one integrated plan rather than separate silos.
- Education accounts in the same view as the portfolio
- Tax-aware asset location and rebalancing
- Risk review as family and career evolve
Landing with precision
The final years of a flying career raise questions that deserve unhurried analysis: how retirement income will actually be funded, how withdrawals should be sequenced, and how portfolio risk should change once a paycheck from flying stops. We design and manage that transition deliberately.
- Retirement income design
- Withdrawal sequencing and liquidity planning
- De-risking on a schedule, not on emotion
These phases are descriptive, not universal. Every pilot's situation differs, and nothing on this page should be read as a promise of any particular outcome.
Integrated Planning
One coordinated picture, not six separate ones
We manage the areas of a pilot's financial life that must move together — because decisions made in isolation tend to work against each other.
Investment strategy
Portfolio management grounded in asset allocation, diversification, rebalancing, and disciplined behavior across market cycles.
Risk management
Identifying how much market, career, and concentration risk a household carries — and what to do about it. Risk can be reduced and managed; it cannot be eliminated.
Liquidity planning
Pilots live on irregular rhythms. We plan reserves and access to funds so portfolio decisions are never forced by a short-term need.
Tax coordination
Our investment decisions tend towards tax efficiency, and we can coordinate with your other professionals focused on tax and legal advice.
Financial planning
We give you access to complex financial planning software that will consolidate your entire financial picture into a single, simple app and give you a roadmap for the rest of your life.
Retirement income
Turning a career of accumulation into a designed income stream — and managing the portfolio's job of funding it for decades.
The Network
Specialized pilot pages
Explore pages written for pilots at specific carriers. Airline and aviation-company names identify the intended professional audience only. These pages do not describe an airline's plans, benefits, or programs and do not imply affiliation, sponsorship, or endorsement.
FOR UNITED PILOTS
United Airlines Pilots
Long-haul careers, global schedules, and the financial questions that come with them.
FOR SOUTHWEST PILOTS
Southwest Airlines Pilots
High-frequency domestic flying and steady, systematic planning.
FOR NETJETS PILOTS
NetJets Pilots
Fractional-ownership aviation and an adaptable planning rhythm.
Consultation
Talk through your situation with an adviser who understands aviation careers.
A consultation is a conversation, not a commitment. We will listen to where you are in your career and describe, in plain language, how we would work with you.
713-858-7966Point Nemo Capital LLC is a registered investment adviser. Investing involves risk, including the possible loss of principal. A consultation does not constitute individualized investment, legal, accounting, or tax advice.
Point Nemo Capital LLC is a registered investment adviser. Registration does not imply a particular level of skill or training. This website is provided for general informational and educational purposes only and does not constitute individualized investment, legal, accounting, or tax advice. Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Airline and aviation-company names are used solely to identify the intended professional audience. Point Nemo Capital LLC is not affiliated with, sponsored by, or endorsed by United Airlines, Southwest Airlines, NetJets, or any other airline or aviation company. Services are offered only where Point Nemo Capital LLC and its representatives are properly registered or exempt from registration.