Advisory, not execution

We tell you what to do. You decide whether to do it.

First Officer is purely advisory. We never access your accounts. We never make changes on your behalf. We never execute transactions. We tell you which card to use, who to call, what to say, and what to book. The decision is always yours. The pilot's seat is always yours.

💬 Get My Free Points Score Back to Home

Retention offer

1Call the number on the back of your card

2Say: "I'm considering canceling my card"

3Wait for the retention team (they'll transfer you)

4Ask: "What retention offers are available for my account?"

5Accept if they offer 20,000+ points or $150+ credit

Transfer partner booking

1Log into your Chase/Amex account

2Navigate to Transfer Partners

3Select the partner (e.g., World of Hyatt)

4Enter the exact number of points to transfer

5Book directly on the partner website with transferred points

The Problem

We tell you what to do. You decide whether to do it.

Generic advice wastes your time.

'Use a travel card for travel purchases' is advice. 'Use your Chase Sapphire Reserve for this Uber ride because it earns 3x on dining and Uber codes as dining' is education. The difference is specificity. Generic advice is free because it's worth what you pay for it.

Knowledge without a script doesn't convert.

Knowing you should call Amex for a retention offer is one thing. Knowing to call the number on the back of your card, say 'I'm considering canceling,' wait for the retention team, and ask specifically for a statement credit or point bonus - that's a script that works.

The right card at the right merchant matters.

Your Amex Gold earns 4x at US supermarkets. But Walmart Supercenter codes as a discount store, not a supermarket. Costco doesn't accept Amex. Target sometimes codes as grocery, sometimes doesn't. Education means knowing which merchants code which way.

Empowerment compounds.

Every time you learn that gas stations code differently based on whether you pay at the pump or inside, you apply that knowledge forever. Every time you learn how to check a transfer partner sweet spot, you can do it again. Education isn't a service you depend on. It's a skill you accumulate.

How First Officer Helps

This is what changes when you have an advisor.

We tell you what to do, what to say, who to call, what number to dial.

Phone scripts for retention offers, status matches, and disputes.

Step-by-step booking instructions for transfer partner sweet spots.

MCC code knowledge: which merchants code which way for bonus categories.

Every piece of advice builds your own knowledge over time.

You stay in the pilot's seat. We're the first officer. That's the name.

First Officer

online

Can you just book the flight for me?

I can't book on your behalf - and that's by design. Here's why: When you understand WHY 55,000 Virgin Atlantic miles books ANA First Class to Tokyo, you can make that decision yourself next time. You can spot similar sweet spots. You can teach your partner. Here's exactly what to do: 1. Log into your Amex account 2. Go to Transfer Partners, select Virgin Atlantic 3. Transfer 55,000 MR points (instant) 4. Go to virginatlantic.com, search 'ANA reward flights' 5. Select your dates, book with miles Takes about 8 minutes. I'll walk you through each step if needed.

Now

In Practice

This is what it sounds like in your pocket.

Not theory. Not generic advice. A real conversation about your real wallet. Via WhatsApp.

Simulated conversation. Actual results vary by portfolio.

We tell you what to do. You decide whether to do it.

We tell you what to do. You decide whether to do it.

Generic advice wastes your time.

Knowledge without a script doesn't convert.

The right card at the right merchant matters.

Empowerment compounds.

This is what changes when you have an advisor.

This is what it sounds like in your pocket.

Your points are worth more than you think.