Fiduciary, Fee-Only Financial Planning and Wealth Management for Aerospace & Defense Professionals in San Diego and Nationwide
You spend your career engineering complex systems. We bring that same level of rigor and precision to your wealth - aligning RSU vesting, defense pensions, and executive compensation for a resilient future.
100% Fee-Only Independence
We do not receive commissions, third-party kickbacks, or proprietary fund compensation. We act as a fiduciary.
Aerospace & Defense Background
Over a decade inside A&D global operations and supply chain. We speak your language and understand your company benefits.
RSU, ESPP & Pension Modeling
Tax-aware equity liquidation models, defense pension stress tests, and Mega-Backdoor Roth structuring.
Our Mission & Standard"We believe financial planning should bring clarity and peace of mind, not sales pressure or technical confusion."
Traditional advisory firms frequently sell high-commission products or treat your portfolio as an impersonal transaction. At Pax Horizon, we operate as a planning-first fiduciary practice. We take the time to understand what matters most to your family, providing thoughtful, unbiased counsel so you can build wealth with confidence.
One fiduciary partner. Every stage of the mission.
Aerospace compensation is unique. We provide structural clarity across equity vesting, executive deferred comp, pension decisions, and institutional wealth management.
Restricted Stock & Equity Strategy
Designed to help organize vesting tranches and reduce single-stock concentration. Diversification does not assure a profit or protect against loss.
Aerospace & Defense compensation packages heavily rely on multi-year RSU vesting and ESPP discounts. Without a systematic protocol, single-stock volatility and statutory tax withholding gaps can create severe concentration risk.
Defense Pension & Annuity Analysis
Actuarial stress-testing for irreversible retirement decisions.
Choosing between a lifetime monthly annuity and a lump-sum rollover is one of the most critical financial forks in the road for career defense professionals. We model both paths against inflation, interest rates, and legacy goals.
Forward-Looking Tax Mitigation
Year-round proactive structuring, not reactive April compliance.
High W-2 defense salaries combined with vesting events push professionals into top marginal brackets. We engineer proactive tax sheltering strategies and collaborate directly with your CPA.
Fiduciary Wealth Management
Evidence-based portfolios custodied securely with Altruist.
We manage client wealth on the modern Altruist institutional platform, member SIPC. Every allocation is built on peer-reviewed academic research, tailored to your family goals, and free from proprietary product quotas.
Financial guidance for high-complexity careers.
Our clients have saved well and are building meaningful careers in Aerospace & Defense. They value their time and appreciate having a dedicated, experienced fiduciary partner.
Engineers & Program Managers
Managing overlapping RSU vesting schedules, high California marginal taxes, and navigating major life milestones like home purchases in North County San Diego.
Directors, Executives & Retiring Leaders
Handling deferred compensation elections (NQDC), evaluating complex defense pension lump sums vs. annuities, and structuring generational family legacies.
The Client Experience
A straightforward, four-phase engagement framework designed to provide clarity and precision from day one.
Pre-Flight Fit Assessment
An introductory conversation to evaluate your current compensation structure, unvested equity tranches, and long-term targets to verify mutual alignment.
Systems & Tax Modeling
We analyze your full picture: RSUs, ESPP discount schedules, prior-year tax returns, pension projections, and risk exposure, delivering an actionable, prioritized roadmap.
Precision Implementation
We handle the technical setup: establishing accounts on the Altruist institutional platform, scheduling disciplined stock divestments, and coordinating directly with your CPA.
Ongoing Mission Partnership
Your career and family life evolve. We provide proactive quarterly check-ins, annual open enrollment benefits audits, and ongoing fiduciary guidance as new milestones arise.
Direct 30-minute consultation with Christopher J. Edwards, Principal & Founder.
Christopher J. Edwards
Principal and Founder
Bridging Aerospace Industrial Logic with Fiduciary Wealth Planning
In addition to founding Pax Horizon, Christopher brings over a decade of hands-on experience in Global Supply Chain Management and Operations within the Aerospace & Defense sector. Holding an MS in Supply Chain Management from the University of San Diego, he observed colleagues navigating fragmented financial advice and high-fee products.
He established Pax Horizon Wealth Management as a fee-only fiduciary firm to provide colleagues and their families with structural clarity: automating surplus savings, optimizing complex equity, and eliminating unnecessary costs so you can focus on your high-impact career.
Navigate Your Equity with Confidence
Your equity compensation is a powerful tool. Here are the questions we hear most often from Aerospace & Defense professionals.
Ready to bring precision to your wealth?
Schedule a 30-minute introductory conversation. No sales pitch, no obligation - just an honest discussion about your equity, your taxes, and your goals.
Prefer to text? Message Christopher directly at (858) 230-8094.