(704) 236-6615 scott@southernwa.com

401(K)s & IRAs

401(k)’s and IRA’s have gained popularity among many employers and individuals.  This has shifted the responsibility for preparing your retirement from your employer to you.  It may sound like a burden to some, but you should approach it is an opportunity.  Understanding how 401(k)’s and IRA’s work is valuable information any investor should know.

If you don’t know where to start, you’re not alone. Whether you’re already retired or still building your career, we aim to answer some of the most pressing 401(k) and IRA questions

Retirement Planning Is More Crucial Than Ever

Retirement issues are a major source of concern today. Longer life expectancies mean your retirement may last nearly as long as your career, and rising health care costs may make your retirement increasingly expensive. Meanwhile, the uncertain future of Social...

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How to Distribute and Preserve IRA Assets

The focus on retirement accounts is shifting Yes, it’s still important to make regular contributions to take advantage of tax-deferred growth potential, and it’s important to maintain an asset allocation* to help you minimize your risk. But for those people nearing or...

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Do You Know Where All Your Retirement Savings Are?

The case for consolidating your retirement accounts only grows more compelling over time. A Traditional IRA here, a rollover IRA there, four job changes (so far!) and three retirement plan account balances left in the plans of former employers… If this describes your...

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Can You Borrow From Your IRA?

You're right that you can take a five-year loan from many 401(k) plans without penalty as long as you pay it back on time. An IRA doesn't have a similar loan provision, but you can access money from your IRA for a 60-day period with what is considered a...

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10 IRA Traps to Avoid

Don’t let the complexity of these powerful retirement savings tools trip you up Our experience has shown us that clients can miss opportunities, fail to take advantage of their options, or inadvertently get into trouble when it comes to their individual...

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The Southern Wealth Advisers' Guide to Retirement Planning


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Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Independent Advisors Alliance, a registered investment advisor. Southern Wealth Advisors and Independent Advisors Alliance are separate entities from LPL Financial.

The LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: North Carolina, South Carolina, Florida, Michigan, California, Arizona, and Virginia.

Southern Wealth Advisors
18716 W Catawba Ave
Cornelius, NC 28031