Built for American · Delta · United Flight Attendants
"You trusted us in the cockpit.
Trust us with your retirement."
Why flight attendants choose us
What we hear every day
After years of working with FAs from all three major airlines, we hear the same concerns — and we have clear answers to all of them.
"Will my pension actually be enough?"
For many flight attendants, the pension is a solid foundation — but rarely the whole story. We help you fill the gaps with guaranteed income that lasts as long as you do.
"What if I outlive my savings?"
This is the single biggest risk in retirement — and the most solvable. An annuity income floor can guarantee you never run out of money, no matter how long you live.
"When should I take Social Security?"
Timing Social Security is one of the highest-impact decisions you'll make. We model out the exact break-even points for your specific situation so you can decide with confidence.
Our approach
We don't manage investments. We build a complete income structure designed so your retirement paycheck lands on time, every month — for life.
The Income Floor
Pension + Social Security + Annuity. Guaranteed income that covers every essential expense, every month — regardless of market conditions.
Zero market riskThe Growth Portfolio
With your floor secured, your remaining savings stay invested for long-term growth — funding discretionary spending and building your legacy.
Market upsideThe Reserve
Six to twelve months of liquid cash. Handles surprises without forcing you to sell investments at the wrong time.
Always liquidWho we are
We spent our careers at American Airlines. We know the culture, the schedules, the union contracts — and the retirement anxiety that comes with them.
When we transitioned out of the cockpit, we became determined to help the people who flew with us. Especially flight attendants, who work just as hard and deserve far better retirement guidance than they typically receive.
Safe Harbor Retirement is built by crew, for crew. We speak your language, we know your benefits, and we treat every conversation with the same seriousness we brought to the flight deck.
John Anderson
Retired American Airlines Captain · Co-Founder
Jeff Frankenfield
American Airlines Captain · Co-Founder
Free resource
A complete, plain-language guide written specifically for American, Delta, and United flight attendants. Covers your pension, Social Security timing, annuity income floors, and the exact steps to take before you retire.
Or skip straight to a free 30-minute Retirement Readiness Review — we'll look at your specific numbers and tell you honestly where you stand.
The Flight Attendant's Retirement Playbook
Safe Harbor Retirement · safeharborip.com
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