Built by a pilot, for pilots

Every successful flight begins with a plan. So does every retirement.

Saint Francis Capital is an independent, fiduciary wealth management firm founded by a retired airline Captain — built for United Airlines pilots navigating the PRAP at Schwab.

Schedule a Consultation Explore the PRAP & Schwab guide

Independent Registered Investment Advisor, unaffiliated with any brokerage or fund company

Fiduciary We always sit on your side of the table

Series 65 FINRA-registered Investment Advisor Representative

30 Years Our founder's career as a professional airline pilot

United Airlines PRAP

Your PRAP account lives at Schwab. So does ours.

The United Airlines Pilot Retirement Account Plan is custodied through Charles Schwab — and Schwab is also where Saint Francis Capital's own custodial and advisory relationship runs. That means we speak the PRAP's language fluently: auto-enrollment mechanics, the Target Date Fund default, the Schwab PCRA brokerage window, and rollover options, without translation.

Read the full PRAP & Schwab guide

Saint Francis Capital is not affiliated with, endorsed by, or sponsored by United Airlines, ALPA, or Charles Schwab.

Close-up of a brass aircraft instrument dial, evoking precision and careful attention to detail

What we do

It's not what you do to create your wealth — it's how you manage it.

Wealth Management

Tax strategies
Trust planning
Estate and legacy planning
Generational wealth preservation
Special situations

Retirement Planning

401(k)s and IRAs
Defined benefit plans (pensions)
Defined contribution plans
Deferred compensation plans
Long-term disability analysis
"Early-out" retirement analysis

Investment Strategies

Direct ownership of individual stocks (our primary approach)
Selective use of mutual funds and ETFs where appropriate
Disciplined, research-driven risk management

How we invest

A disciplined, direct approach to investing

Investment products like mutual funds and exchange-traded funds (ETFs) can have a place in a portfolio. But the investments we manage for clients are primarily direct positions in individual stocks — selected, sized, and monitored with the same discipline Kaye brought to a flight plan.

We've made a significant investment in third-party research and analytical tools. That lets us run an exceptionally deep review of the portfolios we manage for clients — and it's the same toolkit we bring to a complimentary look at your existing portfolio, whether you work with us or not.

No obligation

Get a second opinion on your portfolio

Client or not, we'll evaluate your existing positions against best practices in portfolio construction and how well they align with your actual goals — at no cost.

Request a portfolio review

Founder & President

Captain Kaye Riggs flew the line for 30 years. Now he plans retirements for the people who do.

A retired Continental Airlines Captain and elected union officer, Captain Kaye Riggs founded Saint Francis Capital in 2013 to give pilots and flight attendants the same discipline in their financial plan that they bring to the flight deck.

Meet our founder

You’ve spent a career preparing for every flight. Your final approach to retirement deserves the same care.
— Captain Kaye Riggs, Founder & President

From our founder

Our Monthly Client Letter

Once a month, we write a monthly letter to Saint Francis Capital clients — part market perspective, part reflection on the discipline that carries over from the flight deck to the fiduciary's desk. Read the latest edition, "The Human Element," on our Insights page.

Read the latest letter

Ready when you are

Let's build your flight plan for retirement.

Whether you're a United pilot weighing PRAP contribution elections, a United flight attendant with a 401(k), or planning a career "early-out," we start with a conversation.

Schedule a Consultation