The Skybound Crew Retirement Program

The Industry Gap No One Is Talking About

Around 90% of yacht crew have little to no retirement savings, despite building high-earning careers at sea. Without a structured savings strategy, strong income today does not necessarily translate into long-term financial security tomorrow.

Unlike many shore-based professions, yachting has no standardized crew retirement program. Crew members are often left to manage their own savings, investments and retirement planning, creating unnecessary complexity and making it difficult to build a consistent long-term strategy.

And yachting is inherently global. A typical superyacht may employ 12+ nationalities, with crew moving between vessels, contracts and countries throughout their careers. Traditional, country-specific savings arrangements are rarely designed for this level of mobility. The industry needs a simple, structured and portable way for crew to build wealth wherever their careers take them.

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Global savings, built like a 401(k)

Under companies registered most anywhere in the world.

Portable Crew Savings & Investment

Dedicated investment accounts help crew build long-term wealth from their earnings, with savings designed to remain theirs from vessel to vessel. Global portability and awareness of country-specific considerations support an international career.

Personal Financial Planning & Education

Crew work directly with Joselyn & team to understand their individual financial needs, risks and priorities. Ongoing education covers budgeting across currencies, investing and planning for repatriation.

Employer Matching & Crew Retention

Owners and management companies can offer optional savings contributions as a meaningful employee benefit. A structured financial programme can help differentiate an employer, strengthen crew loyalty and support recruitment and retention.

Joselyn Pfeil

Joselyn Pfeil works with U.S. persons living internationally, who are negotiating the complexities that come with having lives, assets, and opportunities in more than one place. With a career built around long-term relationships and thoughtful guidance, Joselyn brings a calm, coach-led approach to helping clients simplify their financial lives, clarify what truly matters, and confidently move from intention to execution. Her work is grounded in the belief that clarity precedes informed decisions, especially when their lives span countries, currencies, and systems.

$1M+ Investable Assets - Serving high-net-worth clients.

U.S. & Global Expertise - Cross-border financial guidance.

Coach-Led Approach - Clear, personal, long-term planning.

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A Simple Three-Step Path

Step 1 - Set Up the Crew Programme

The owner or management company joins the programme, sets any matching terms, and helps onboard eligible crew. Each crew member receives a dedicated account and personal financial planning support from Joselyn.

Step 2 - Contribute & Invest

Crew contributions are made automatically from earnings, with optional employer matching applied each cycle. Contributions are invested in a diversified portfolio designed for long-term growth.

Step 3 - Grow & Take It With You

Savings remain with the crew member from vessel to vessel and are designed for a globally mobile career. Funds can continue to grow wherever crew members live, work or eventually settle.

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Meet Joselyn Pfeil,

Joselyn is a Private Wealth Adviser at Skybound Wealth specialising in globally mobile, cross-border clients. Her husband's career in the superyacht industry gives her a first-hand understanding of crew life, and she built the Crew Retirement Program to give crew the structured, portable savings vehicle the industry has lacked.

Joselyn Expertise, Backed by Skybound Wealth

Joselyn combines personalised financial guidance with Skybound Wealth’s global expertise and international infrastructure. Together, they provide the insight, resources and cross-border perspective needed to support U.S. persons navigating complex financial lives across countries and currencies.

7,000

international clients & growing

1.7

Billion

of client savings under management

Industry Awards & Counting Since 2021

offices on 4 continents & more opening soon

With a passion for personal and professional development that exists throughout the company, and comprehensive development support, we empower our people to be the very best they can be as we strive as a collective to not only remain at the forefront of international financial planning, but to lead its evolution.

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