Pilot Retirement Advisors

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Client assets under management

$42,223,346

Clients

100% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

$1,688,934

About

Pilot Retirement Advisors serves individual and high-net-worth clients through discretionary investment management, specializing in helping clients select institutional sub‑advisers and third‑party investment managers rather than providing traditional financial planning or wrap‑fee programs. The firm reports approximately $42.2 million in assets under management across 25 client relationships and operates with a two-advisor team.

The firm’s process centers on due diligence and manager selection: it gathers client financial information, establishes customized investment guidelines, and recommends external managers who implement strategies described in their own disclosure documents. Portfolios are typically managed by those selected sub‑advisers under the firm’s account master or held at the external manager’s custodian, and the firm conducts periodic compliance and performance reviews rather than executing day‑to‑day trading itself.

Compared with peers, Pilot is notably small and concentrated—few clients and a relatively high AUM per client—reflecting a manager‑of‑managers model with centralized discretionary authority for accounts. It relies on third‑party custody and back‑office providers for execution, reporting, and technology, does not produce its own performance reports, and does not vote proxies on clients’ behalf.

Client services

Portfolio management Selection of other advisers

Expertise

Active portfolio management Passive / index investing Tax-loss harvesting

Occupation focus

Executive

Fee options

Percentage

$0+: 0.83% to 1.70% $0+: 1.00% to 1.60%

Main office location

Pilot Retirement Advisors

Carlsbad CA, United States

Number of offices

Most active in

California · Colorado · Texas · Virginia

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

608-577-2736

Advisors at this firm

Elizabeth M

CFP®, Series 65

Carlsbad, CA

Pilot Retirement Advisors

Elizabeth Mc Gill is a CFP® and holds a Series 65 license with five years of industry experience. She has worked at Pilot Retirement Advisors since 2020, following brief periods at WWM Financial and as a stay-at-home parent. Prior to her financial career, she spent five years at Executive Physical Therapy. Pilot Retirement Advisors is a small registered investment adviser serving high-net-worth and individual clients, focusing on institutional investment manager selection, retirement plan and rollover advice, and oversight of accounts managed by third-party managers rather than offering comprehensive financial planning. The firm emphasizes due diligence and manager selection, recommending various strategies through external managers and maintaining a concentrated client base.

Active portfolio management Passive / index investing Tax-loss harvesting Executive

Patrick M

CFP®, Series 63, Series 65

Carlsbad, CA

Pilot Retirement Advisors

Patrick Mcgill is a Certified Financial Planner® with 10 years of industry experience. He is currently with Pilot Retirement Advisors and has previously worked at Robertson Wealth Management LLC, Howard Capital Management, Johnson Wealth Inc., and Cleary Gull Inc. Pilot Retirement Advisors is a two-advisor registered investment adviser that serves high-net-worth and individual clients. The firm focuses on institutional investment manager selection, retirement plan and rollover advice, and ongoing oversight of accounts managed by sub-advisers or third-party managers.

Active portfolio management Passive / index investing Tax-loss harvesting Executive

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