The Pilot's Advisor, LLC

The Pilot's Advisor, LLC operates as a solicitor and insurance agency that serves individuals, retirement and profit‑sharing plans, trusts, estates, charitable organizations, and business entities by referring them to third‑party money managers (TPMMs) and to insurance vendors. The firm does not provide ongoing portfolio management or financial planning directly; custody, execution, and portfolio management are provided by the TPMMs to whom clients are referred.

After gathering information about a client's financial situation and objectives, the adviser recommends TPMMs — listed relationships include Efficient Advisors, Howard Capital Management, and Discipline Wealth Solutions — and monitors those managers to confirm their methods and allocations remain aligned with client goals. The firm does not recommend individual securities or exercise discretionary trading authority itself and generally favors long‑term investment strategies as implemented by the TPMMs.

Noteworthy features include an unusually large client base for a solo adviser (roughly 530 clients), and the principal’s separate role as a licensed insurance agent who receives commissions and referral fees for insurance and vendor referrals, with the firm sharing in advisory fees paid to TPMMs rather than directly charging AUM. The brochure also discloses recent regulatory matters in 2024 — a consent order and fine with the Washington Department of Financial Institutions and an administrative reprimand and fine in Texas — which the firm reports in its disclosures.