Pilot Retirement Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
Occupation focus
Fee options
$0+: 0.83% to 1.70% $0+: 1.00% to 1.60%
Main office
Carlsbad CA
Advisors at this office
2
Most active in
California · Colorado · Texas · Virginia
Also doing business as
Pilot Retirement Advisors · Pilot Retirement Advisors LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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.
Patrick M
CFP®, Series 63, Series 65
Carlsbad, CA
Pilot Retirement Advisors
Patrick Mcgill is a CFP® professional with 11 years of industry experience. He is currently with Pilot Retirement Advisors, where he has worked since 2024. His prior experience includes roles at Robertson Wealth Management LLC, Howard Capital Management, Inc., and Johnson Wealth Inc. Pilot Retirement Advisors serves individual and high-net-worth clients through discretionary investment management, focusing on selecting institutional sub‑advisers and third‑party managers. The firm operates a manager-of-managers model with a concentrated client base and emphasizes due diligence and manager selection over traditional financial planning or wrap-fee programs.
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