We developed the Retirement FLIGHT Plan™ to bring structure, clarity, and understanding to the retirement planning process, covering every check like an airline pilot’s detailed Flight Plan on a long flight. 

Every client’s financial life is different, so every strategy we build is customized to their individual needs. But every client goes through the same comprehensive FLIGHT Plan process to help ensure each important area of their financial life is addressed as they prepare for and move through retirement.

True Life Wealth Management is completely independent. We build strategies from the ground up based on what we believe is appropriate for each client, without being tied to a parent company, proprietary product platform, or overarching managing organization. Our responsibility is to the families we serve.

We proudly work with families from many professional backgrounds across the country, while maintaining a particular specialization in serving Delta Air Lines employees. Our experience with Delta employees gives us an in-depth understanding of their lifestyle, retirement benefits, financial decisions, and the unique challenges involved in transitioning from a successful career at Delta into retirement.

True Life Wealth Management is not affiliated with Delta Air Lines.

True Life Wealth Management has developed deep experience helping Delta Air Lines employees understand and navigate the financial decisions that come with the final years of their careers and the transition into retirement.

We understand the Delta 401(k), Delta pension benefits, the Social Security offset and how it can affect retirement income planning, the unique retirement benefits available to certain former Northwest Airlines employees, Delta retirement paperwork and processes, and the retirement considerations specific to Delta pilots.

Our connection to Delta is also personal. True Life founder Alex Skijus grew up in a Delta family after his mother went to work for the airline. She later became the first Delta employee Alex personally helped transition from her career into retirement. Through that process, he gained firsthand experience with Delta’s retirement benefits, 401(k), pension structure, paperwork, and retirement decisions.

Since then, Alex and True Life Wealth Management have helped numerous Delta employees build comprehensive retirement plans designed around their unique benefits, goals, and financial lives.

For Delta employees who are still working, we help them make the most of their remaining career years by evaluating their 401(k), contributions and employer benefits, coordinating outside investment and retirement accounts, planning for taxes, and managing investment risk as retirement approaches.

As retirement gets closer, our Retirement FLIGHT Plan brings all of these pieces together. We help clients determine what they want retirement to look like, what it will cost, how much income they will need, how their investments should change as they move from accumulation to retirement, how healthcare should be coordinated, and how taxes can be managed throughout retirement.

The goal is to give Delta employees a clear, coordinated plan for finishing their careers confidently and moving into retirement with a greater understanding of how all the pieces of their financial life work together.

True Life Wealth Management is not affiliated with Delta Air Lines.

When should I start planning for retirement?

The simple answer is: as soon as possible.

Many of the families we work with tell us they wish they had started planning earlier. Beginning the retirement planning process sooner can create more opportunities to improve tax efficiency, evaluate 401(k) investments and fees, build retirement savings, consider long-term care planning, and make important financial decisions while there is still plenty of time to adjust.

Just as importantly, starting early can provide clarity.

Our Retirement FLIGHT Plan™ helps clients understand what their retirement will actually look like — when they may be able to retire, how much income they may need, how their investments should be positioned, what major expenses they can comfortably plan for, and how the different pieces of their financial life work together.

That clarity can make everyday decisions easier. Whether it is remodeling a home, traveling more, helping family, or deciding when to retire, clients can make those choices within the context of a complete financial plan rather than wondering whether they are making a mistake.

For many families, a great time to begin serious retirement planning is between ages 50 and 60. At that point, retirement is close enough to begin making detailed decisions, while there is still meaningful time to make adjustments before leaving the workforce.

You do not have to wait until retirement is around the corner. The earlier you understand where you stand and what needs to happen next, the more time you have to prepare for the retirement you want, and there’s no better way to do that than through a Retirement FLIGHT Plan™ leaving nothing unchecked. 

Clarity, understanding, and confidence in your financial future are valuable at any age — and the sooner you have them, the better.

Yes. True Life Wealth Management is headquartered in Tampa, Florida, and we work with families in numerous states across the country.

Because many of the Delta Air Lines families we serve live near Delta hub cities and other major locations throughout the U.S., we are very comfortable working with clients remotely. We regularly meet by phone and video conference, making it easy to provide ongoing planning and investment guidance wherever our clients live.

We also believe relationships matter, so we routinely travel to Delta hub cities and other locations around the country to meet with clients in person and provide educational events.

Wherever our clients are located, our goal is the same: to provide a personal relationship, a clear financial plan, and ongoing guidance throughout retirement.

True Life Wealth Management uses a straightforward annual advisory fee based on the amount of assets we manage for a client.

As part of our Retirement FLIGHT Plan™ process, we also help clients understand the difference between an advisory fee and what we call their aggregate fee — the total cost of their overall investment structure.

The aggregate fee can include advisory fees, fund expenses, investment product costs, platform or account fees, and other expenses associated with their portfolio.

We believe it is important for clients to understand not only what they are paying us, but what they are paying in total. In many cases, we are able to identify unnecessary costs, simplify the investment structure, and reduce overall expenses while providing a more comprehensive level of planning and service.

Our goal is for clients to clearly understand what they are paying, what they are receiving, and how their overall financial structure is working for them.