FOR UNITED AIRLINES PILOTS
Investment management for United Airlines pilots.
A fiduciary practice for pilots whose careers are measured in ocean crossings — built to keep a long-haul financial life on course, from early accumulation through multimillion-dollar portfolios.
CAREER CONTEXT
The long-haul financial life
Point Nemo Capital serves pilots whose careers are built around extended international operations — and the distinct financial rhythm that creates.
Pilots who fly for United Airlines often build careers across an extensive international route network. Long-haul flying brings a distinctive rhythm: trips that span continents and time zones, rest cycles that do not follow a calendar week, and a career whose progression spans wide-body operations and decades of service.
That rhythm reaches into household finances. Extended absences compress the time available for financial administration, irregular timing complicates cash-flow planning, and long careers create horizons in which early decisions compound quietly for decades. Even disciplined professionals can find that years pass between real portfolio reviews.
Our role is not to tell you how your airline operates — you know that far better than we ever could. It is to build and manage an investment plan around the life your schedule actually produces, so the portfolio keeps working even when you are somewhere over an ocean — from early accumulation through retirement transitions.
IDENTIFYING THE AUDIENCE
What this page is — and is not
This page is written for pilots of United Airlines as an intended professional audience. It does not describe any airline benefit, plan, or program, and nothing here should be read as knowledge of your employer's provisions — or as any affiliation with, sponsorship by, or endorsement by United Airlines.
WHAT WE DO NOT PROMISE
A long horizon is an advantage only when paired with discipline. Extended time away can delay decisions that deserve attention; we build processes so your plan does not depend on your being home to manage it.
THE FIDUCIARY COMPASS
How we serve long-haul pilots
Long-haul pilots often reach their peak earning years with substantial retirement assets, significant ongoing savings, and an investment horizon that may extend well beyond their own retirement. Our approach focuses on putting each dollar to work according to its purpose.
Invest risk capital deliberately
We believe capital that is put at risk should be invested in the highest-quality opportunities we can identify. Rather than dilute a portfolio simply for the sake of diversification, we focus on disciplined investment strategies designed to identify attractive opportunities while managing risk.
Keep liquidity liquid
Money needed for near-term spending, major purchases, taxes, or unexpected needs should not depend on market conditions. We generally manage these reserves with money market investments, separating liquidity needs from capital intended for long-term growth.
Build for income and total return
Income matters, particularly as a portfolio begins supporting retirement spending. Our investment process places meaningful emphasis on income, but we do not believe investors should accept an inferior investment simply because it offers a higher yield. We evaluate income as one component of the total portfolio and total return.
Invest beyond the retirement date
Retirement does not necessarily mean a short investment horizon. For pilots who have accumulated substantial assets, a portion of the portfolio may ultimately support children, grandchildren, or other future generations. We consider that longer horizon when determining how much capital should remain invested rather than allowing age alone to dictate the portfolio.
Let the investment process drive the portfolio
Taxes and capital gains matter, but they do not determine which investments we believe are most attractive. Our strategies are designed with metrics that tend toward tax efficiency while maintaining a disciplined focus on investment quality, income, valuation, and total return. The objective is to make the best investment decision first and consider the tax consequences of implementing it.
See the complete financial picture
Our financial planning technology brings investment accounts, retirement assets, income, spending, liabilities, and other financial information into one straightforward view. The result is a simple way to understand how the pieces fit together and how the investment portfolio supports the broader financial picture.
CONSULTATION
Discuss a long-haul career with an adviser who plans around it.
A consultation is a conversation, not a commitment — and it fits your schedule, not the other way around.
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.
