About RAA

RAA is one of the nation’s largest independent registered investment advisors, specializing in the unique challenges and goals of airline employees and their families. We provide personal solutions for 401(k) management, financial and retirement planning, investment management, estate planning, survivor assistance, as well as Medicare, Social Security, long-term care and insurance guidance.

Key Facts

  • Named by Barron’s as one of the Top 100 independent financial advisors in the United States
  • Rated a Financial Times Top 300 Financial Advisor
  • Focused on the unique needs of airline employees and their families
  • Recently completed a merger with Advisor Financial Services
  • Serving over 3,000 pilots at every major airline throughout the U.S.
  • Maintain a 97% client retention rate
  • More than 25 years of experience providing exceptional service to our clients
  • $2.3 billion in assets under management (As of July 1, 2016)

Our Values

Every great organization holds to a set of core beliefs that are shared by its members.
Over the years, RAA has established these values, which serve as our guiding priciples.

Relationships

Our commitment to long term relationships guides everything we do. Retirement Advisors has worked successfully with thousands of clients.

Disciplined Approach

We employ a rigorous proven process that addresses all the components of a sound financial plan. We design financial plans customized to fit your financial situation and objectives.

Communication

We believe constant communication is critical. We use frequent communication to foster an ongoing dialogue and a constant exchange of information.

Your Well Being

Our sole mandate is to help you grow and preserve wealth in accordance with your overall financial goals.

What distinguishes RAA from other advisors?

  • The Final Approach Program®, which is the most comprehensive pilot retirement planning tool in the industry.

  • Unequaled experience and depth of knowledge of your airline benefits with a profound understanding of the pilot psyche.

  • You will know at least one of our clients, probably many. Ask us for a reference by airline, geography, military service, etc. We will provide you with a name you know.

    Click here to request a reference


To maintain a 98% client retention rate, we have to be exceptional. This is a goal we strive for in everything we do. Let us show you why the clients that choose us, stay with us.

OUR TEAM

The greatest asset we have to offer is the unparalleled expertise of our professionals. Our team, comprised of 48 employees and 34 Pilot Representatives is committed to serving the needs of our clients and their families and providing financial peace of mind throughout their retirement.

Client Services   Financial Consultants   Airline Representatives Management
RELATIONSHIP MANAGERS

Mark Rubey, CFP®

Vice President, Client Service

Mark D. Rubey serves as the Vice President of Client Service for RAA. Mark joined RAA in 2003. He leads the Relationship Manager team, which is responsible for client communications. Prior to RAA, Mark was a Team Manager with Fidelity Investments for nine years. Mark holds a BS in Finance from Northern Illinois University and an MBA, with an emphasis in Financial and Estate Planning from the University of Dallas. Mark is a Certified Financial Planner™.

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Carl Youngdale, AIF®

Director of Client Services-Atlanta

Carl A. Youngdale serves as the Director of Client Services-Atlanta for RAA. Carl joined RAA in 2016. He leads the relationship manager team in the Atlanta office. Prior to RAA, Carl was the Managing Partner of Advisor Financial Services, a company he founded in 1998 to serve the unique needs of his fellow employees in the airline industry. Carl holds a BS in Aerospace Engineering from the University of Virginia. He is still an active pilot for Delta Air Lines, and currently is an international Captain flying the Boeing 777.

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Clay Caldwell, CFP®

Vice President, Estate Planning

Clay is Vice President of Estate Planning for RAA. Clay joined Eastern Airlines as a pilot in 1979, after serving six years in the United States Air Force. Clay was a member of the Eastern Airlines Pilot Executive Council, with the duties of overseeing the pilot retirement, pension and benefit plans. Clay joined PHH/Retirement Advisors in 1991. He is a Certified Financial Planner™ and was an adjunct faculty member of the College of Financial Planning, teaching Retirement Planning, IRAs, and Employee Benefits. Clay's expertise includes individual retirement accounts, taxation, wills, trusts, family estate reviews and life insurance. Clay received his Business Degree from Florida State University.

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Michelle Yates

Relationship Manager

Michelle Yates serves as a Relationship Manager for RAA. Michelle joined RAA in February of 2017. As a Relationship Manager, she works directly with RAA clients in all aspects of their financial and retirement planning. She comes to RAA with 15 years of financial services experience, most recently with Strategic Wealth Partners in Dallas, TX and Durbin Bennett Private Wealth Management in Austin, TX. Michelle obtained her BA in Management and Leadership from Judson University in Illinois and holds a Series 65 Uniform Investment Advisor license and a certificate in Paraplanning from the American College of Financial Services.

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Robert Gecker, CRPC®

Relationship Manager

Robert Gecker serves as Relationship Manager for RAA. Robert officially joined the company in February 1997 after being associated with Fidelity investments since 1994. He has worked in the investment business since 1988. As a Relationship Manager, Robert is responsible for the day to day communication with the company’s clients. Robert holds a BS in Finance from St. John’s University. He also holds a professional designation from the college of financial planning as a chartered retired planning counselor.

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Rutledge Gordon, CRPC®

Senior Relationship Manager

Rutledge A. Gordon serves as a Senior Relationship Manager for RAA. Rutledge joined the company in 1998. He enjoys the personal relationships he has with his clients and helping them achieve their goals. Prior to joining RAA, Rutledge had his own financial planning practice. Rutledge holds a BBA in Business Management from Harding University. He also earned The College for Financial Planning’s Chartered Retirement Planning Counselor designation in 2000.

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Paul Ochel, CFP®

Relationship Manager

Paul Ochel is a Relationship Manager at RAA. Paul joined the company in 2006. He is responsible for working with clients to secure a solid financial retirement. Prior to RAA, he worked with individual investors at Fidelity Investments and Northwestern Mutual Financial Network. Paul obtained his BA in Psychology from the University of Texas at Austin and his MBA in Financial and Estate Planning from the University of Dallas. Paul is a Certified Financial Planner ™.

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Rick Oldham, CFP®

Senior Relationship Manager

Richard H. (Rick) Oldham serves as a Senior Relationship Manager for RAA. Rick joined the company in March 2013. He works directly with clients in all aspects of their financial and retirement planning. Prior to RAA, he worked with individual investors at E*TRADE Financial and New England Financial. Rick obtained his BA in Economics and Finance from Furman University and his Certified Financial Planner™ certificate from the University of Georgia.

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Josh Pinchek, CFP®

Relationship Manager

Josh Pinchek serves as a Relationship Manager for RAA and has over 15 years of experience in financial planning. Prior to joining RAA, he spent 10 years as a Financial Advisor with Fidelity Investments, working with high net worth clients to develop financial plans and implement investment strategies. He was also formerly a Financial Advisor with JP Morgan and American Express Financial Advisors. Josh earned his BSBA in Finance from the University of Pittsburgh and is a Certified Financial Planner™

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David Robertson, CRPS®

Relationship Manager

David Robertson serves as a Relationship Manager for RAA. Prior to RAA, David spent nineteen years at Fidelity Investments, ADP Retirement Services and Wells Fargo Advisors, where he was responsible for retirement plan sales for the Midwestern United States. David is a graduate of Western Kentucky University and holds the Chartered Retirement Plans Specialist designation.

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Kat Schraeder, CFP®

Senior Relationship Manager

Katherine T. Schraeder (Kat) serves as a Senior Relationship Manager for RAA. Kat joined RAA in 2006. She works directly with RAA clients in all aspects of their financial and retirement planning. She also serves as the liaison between the operations department and the client service department. Prior to joining RAA, Kat managed Edward Jones Investment branches in both Muleshoe, TX and Lewisville, TX. Kat is a Cum Laude Honors graduate of Texas A&M University and is a Certified Financial Planner™.

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Earl Williams, CFP®

Relationship Manager

Earl Williams serves as a Relationship Manager for RAA. Earl joined RAA in 2016 with the merger of Advisor Financial Services. He joined AFS in 2015. Prior to AFS, Earl was an Advisor at Wells Fargo Advisors, Fifth Third Securities and Northwestern Mutual Insurance. Earl has a BS in Engineering from The Ohio State University and an MBA. Earl holds a Certified Financial Planner® designation.

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Richard Winters, CFP®, CRPC®

Relationship Manager

Richard Winters serves as a Relationship Manager at RAA with over 20 years of experience working in the financial services industry. Prior to joining RAA, he worked at Fidelity Investments for 15 years, with the last 9 years working within the High Net Worth group, helping clients with their investments and developing financial plans. Prior to joining Fidelity, Richard served four years with the US Army Rangers – 75th Ranger Regiment. He earned a BA in Business from Westminster College and holds the Chartered Retirement Planning Counselor (CRPC®) designation, Chartered Mutual Fund Counselor (CMFC®) designation and the Accredited Asset Management Specialist (AAMS®) designation from the College of Financial Planning. Richard is a Certified Financial Planner™ and an adjunct professor at the University of Dallas Gupta School Of Business teaching courses in financial planning and investments.

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Jill Pivato, CDFA®

Client Experience Manager

Jill Pivato serves as the Client Experience Manager for RAA. Jill joins the RAA team as part of the merger with Advisor Financial Services, LLP. She has worked as Client Service and Operations manager for AFS since 2005. Prior to AFS, Jill worked for Foundation Financial Management, LLC. Jill holds the Certified Divorce Financial Analyst® (CDFA™) designation awarded by the Institute of Divorce Financial Analysts™ and has a BA in Marketing from Bowling Green State University.

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INDUSTRY RECOGNITION

Our focus is on delivering an exceptional client experience and our staff and time tested wealth management process has helped us deliver superior results. Our client’s success and satisfaction is how we measure our success. After that, we do take pride in awards and accolades from within the industry and we have collected our share of those as well.

Dedicated To Providing Outstanding Retirement Planning and Investment Management