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Bring Your Wealth into Safe Harbor

Schedule a complimentary Port Check-In with Shoreside Wealth Management to see how all of your AMO benefits can work together with your outside strategies to give you the life you’ve worked so hard for.

From Ship to Shore

Planning for a
Smooth Landing

A life at sea is different. Your schedule, income, and lifestyle don’t always fit the mold of a 9-to-5 job and your wealth management planning shouldn’t either. 

Our approach for AMO members includes:

  • Investment strategies that respect the on/off contract lifestyle while maximizing tax efficiency
     

  • Real estate guidance for those looking to purchase or invest in real-estate
     

  • Vacation pay claiming strategies to maximize income and reduice taxes
     

  • Coordinating pension, 401(k), and Defined Contribution benefits for steady retirement income
     

  • Tax-efficient withdrawal strategies to keep more of what you earn and less for Uncle Sam
     

  • ​Estate and legacy planning for mariners with assets across multiple states
     

  • Transition planning so you can confidently come shoreside for good

401(k) Plan

Your Wealth Underway

Your 401(k) is the engine room of your retirement savings. Employer contributions, investment choices, and tax-advantaged growth can all work in your favor if managed properly. We help you:

  • Optimize contributions and employer match
     

  • Invest for both growth and stability during your career at sea
     

  • Plan tax-smart withdrawals when it’s time to come shoreside

Defined Contribution Plan

The Cargo for Your Future

Think of your Defined Contribution Plan like cargo stacked for the long voyage. This employer-funded benefit can quietly grow into a major part of your retirement income. We:

  • Review your account balances and allocations
     

  • Integrate this benefit with your 401(k) and pension
     

  • ​Ensure your investments are positioned for when you need them most

AMO Pension Plan

Your Retirement Anchor

Your pension is the anchor that keeps your retirement steady. Timing and claiming decisions can dramatically affect your lifetime income. We’ll help you:

  • Determine the best time to start benefits or roll them over to an IRA
     

  • Coordinate with Social Security for maximum efficiency
     

  • Explore survivor options to protect your family

Your benefits, explained.

Understanding your benefits is the first step to using them to your advantage. Here’s how each of your AMO plans works and how we help you get the most out of them:

Working at sea comes with rewards few on land ever experience the adventure, the freedom, and the pride of keeping America moving.

But it also comes with unique financial waters that require an experienced hand at the helm.

Image by Chris Pagan

401(k) Plan

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Your Wealth Underway

Your 401(k) is the engine room of your retirement savings. Employer contributions, investment choices, and tax-advantaged growth can all work in your favor if managed properly. We help you:

  • Optimize contributions and employer match
     

  • Invest for both growth and stability during your career at sea
     

  • Plan tax-smart withdrawals when it’s time to come shoreside

Defined Contribution Plan

The Cargo for Your Future

Think of your Defined Contribution Plan like cargo stacked for the long voyage. This employer-funded benefit can quietly grow into a major part of your retirement income. We:

  • Review your account balances and allocations.
     

  • Integrate this benefit with your 401(k) and pension.
     

  • ​Ensure your investments are positioned for when you need them most.

AMO Pension Plan

Your Retirement Anchor

Your pension is the anchor that keeps your retirement steady. Timing and claiming decisions can dramatically affect your lifetime income. We’ll help you:

  • Determine the best time to start benefits or roll them over to an IRA
     

  • Coordinate with Social Security for maximum efficiency
     

  • Explore survivor options to protect your family

Chart Your Financial Course Beyond the Horizon

Specialized Wealth Planning for
American Maritime Officers

As a member of (AMO), you have access to valuable retirement benefits:
 

  • 401(k) Savings Plan

  • Defined Contribution Plan

  • AMO Pension Plan

Each is valuable, but navigating how they work together and how to maximize them can be tricky without a clear financial chart.

That’s where Shoreside Wealth Management comes in.

We help mariners like you plot a clear course so that when you finally step off the ship for the last time, your finances are anchored with a tailored plan.

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