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For Southwest Pilots

Planning Built Around the SWA Career

Southwest is a different animal — narrow-body all-domestic flying, a profit-sharing model that swings hard with company performance, and a pilot group that often lives near base. Your financial plan should reflect that, not a generic legacy-carrier playbook.

Your Retirement Plan

Southwest Pilots' 401(k) and ProfitSharing Plan

The SWA 401(k) match plus the separate ProfitSharing Plan can move serious money in a strong year — and almost nothing in a lean one. We help you smooth that variability across years, plan ahead for the tax bill, and decide what stays in the plan versus what comes out for diversification.

What We Plan For

Specialized for Southwest

SWA pilots ask a different set of questions than legacy carrier pilots — and the answers depend on whether you're commuting, holding a senior line, or eyeing the 65 cliff.

Optimizing the SWA 401(k) match and contribution timing across the year
Variable profit sharing and ProfitSharing Plan tax planning
Trip trading, premium pay, and double-time tax exposure
Pre-65 retirement, healthcare bridge, and Medicare timing
Concentrated LUV stock exposure and ESPP coordination

How It Works

A Plan Built Around Your Career

1

Discovery Call

A free conversation to understand your seat, seniority, and goals.

2

Custom Plan

A planning roadmap tailored to your Southwest benefits and timeline.

3

Ongoing Advice

Year-round guidance as contracts, markets, and your career evolve.

Cleared for Retirement — 5 Critical Steps for the Modern Airline Pilot's Final Financial Approach

Free for Southwest Pilots

Cleared for Retirement

5 Critical Steps for the Modern Airline Pilot's Final Financial Approach

Written for the airline pilot career arc — practical guidance on the five decisions that shape the final stretch to retirement. Download a free copy before your discovery call.

Get Your Free Copy

Plan Your SWA Future

Whether you're commuting, based at MDW, or counting down to retirement, the right plan starts with understanding what's actually in your benefits package. Let's walk through it.