Southern Capital Advisors provides financial planning, portfolio management for individuals and small businesses, education planning, insurance, retirement plan services, and tax planning. Financial planning was provided to 1,000 clients last fiscal year.
Southern Capital Advisors reports 817 clients. They include 653 individual clients, 159 high-net-worth individuals and 2 charitable organizations. Of its assets, 99.9% ($636M across 2,136 accounts) are managed with discretion; $916K across 11 accounts are not. A wrap fee program the firm both sponsors and manages holds $637M.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 80% | 34% |
| High-net-worth individuals | 19% | 65% |
| Pension and profit-sharing plans | <1% | <1% |
| Charitable organizations | <1% | <1% |
| Corporations and other businesses | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 653 | $214M | 33.6% | $328K |
| High-net-worth individuals | 159 | $414M | 65.0% | $2.61M |
| Pension and profit-sharing plans | Fewer than 5 | $4.34M | 0.7% | $4.34M |
| Charitable organizations | Fewer than 5 | $1.65M | 0.3% | $823K |
| Corporations and other businesses | Fewer than 5 | $2.46M | 0.4% | $1.23M |
| Total | 817 | $637M | 100% | — |
- Clients
- 653
- Regulatory AUM
- $214M
- AUM share
- 33.6%
- Avg. per client
- $328K
- Clients
- 159
- Regulatory AUM
- $414M
- AUM share
- 65.0%
- Avg. per client
- $2.61M
- Clients
- Fewer than 5
- Regulatory AUM
- $4.34M
- AUM share
- 0.7%
- Avg. per client
- $4.34M
- Clients
- Fewer than 5
- Regulatory AUM
- $1.65M
- AUM share
- 0.3%
- Avg. per client
- $823K
- Clients
- Fewer than 5
- Regulatory AUM
- $2.46M
- AUM share
- 0.4%
- Avg. per client
- $1.23M
Total
- Clients
- 817
- Regulatory AUM
- $637M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1000
Southern Capital Advisors charges 0.05%–1.75% a year for its Advisory fees. The fee is billed in arrears and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning and consulting
- Stand-alone financial planning and consulting is negotiated and billed hourly at $100 to $400, or on a fixed-fee basis.
Charles Johnson owns 75% or more of Southern Capital Advisors. The leadership team of Southern Capital Advisors includes Chief Compliance Officer Jason Lockridge. It has 6 employees.
Leadership
- Jason LockridgeMember & Chief Compliance Officer
Charles JohnsonManaging Member
Investment adviser representatives
6 representatives listed in the SEC register as of 9 October 2026.
Staff
- 6 employees
- 6 in advisory functions
- 6 state-registered reps
- Owns 75% or more of Southern Capital Advisors, LLC
Charles Johnson
Control person · since November 2017
- Owns 10% to 25% of Southern Capital Advisors, LLC
Jason Lockridge
Control person · since November 2017
Southern Capital Advisors’ regulatory assets grew 2.4× from $270M (January 2021) to $637M (May 2026); clients rose from 447 to 817 and employees from 3 to 6.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| May 2026 | $637M | 817 | 6 | 2 |
| June 2025 | $515M | 709 | 5 | 1 |
| February 2024 | $414M | 644 | 6 | 1 |
| February 2023 | $333M | 597 | 5 | 1 |
| February 2022 | $373M | 543 | 4 | 1 |
| January 2021 | $270M | 447 | 3 | 1 |
Besides its headquarters, Southern Capital Advisors has 1 office, with 2 listed addresses in Tennessee.
Tennessee · 2 listed addresses
- 3801 North Highland Avenue, JacksonHQ
- 407 W. Main St., Henderson
Other business names
Southern Capital Advisors has reported 1 other business name to the SEC.
- FP360
Contact and registration details
- Legal name
- Southern Capital Advisors, LLC
- Headquarters
- 3801 North Highland Avenue, Jackson, TN 38305
- Website
- southernadvisor.com
- Phone
- 731-265-6812
- SEC file
- 801-112593
- Founded
- 2017
- Structure
- Tennessee LLC
- Fiscal year end
- December
Southern Capital Advisors uses Fidelity ($631M) as custodian for its separately managed accounts. Southern Capital Advisors does not have custody of client assets.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $631M100%
At year end, Southern Capital Advisors’ separately managed accounts were mostly in funds (72%) and cash (18%). Its reported 13F holdings for the quarter ended 30 June 2026 total $239M across 84 positions; the largest are iShares TR (14.3%), iShares TR (12.9%) and iShares TR (10.6%).
What the accounts hold
- Stocks10%
- Exchange-traded equities9%
- Non-exchange-traded equities1%
- Funds72%
- Bonds4%
- U.S. government and agency bonds1%
- State and local bonds1%
- Investment grade corporate bonds1%
- High-yield corporate bonds1%
- Cash18%
Reported 13F holdings
- $239M
- Reported 13F value
- 84
- Positions
- 69.8%
- In the 10 largest
- +12.1%
- Value vs. prior quarter
- iShares TR · Core S&P US Vlu14.3%
- iShares TR · Core S&P500 ETF12.9%
- iShares TR · Core S&P Scp ETF10.6%
- iShares TR · Core MSCI Eafe9.3%
- iShares TR · Rus MD CP GR ETF6.6%
- United Parcel Svcs Inc. · CL B4.1%
- Fidelity Covington Trust · MSCI Info Tech I3.8%
- iShares TR · US Industrials3.1%
- iShares Inc. · Core MSCI Emkt2.9%
- iShares TR · iShares Biotech2.3%
Together, the ten largest are 69.8% of reported value.
How many clients does Southern Capital Advisors have?
Southern Capital Advisors has 817 clients and manages $637 million for them, as of May 2026. They include 653 individual clients, 159 high-net-worth individuals and 2 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 22 May 2026
What services does Southern Capital Advisors offer?
Southern Capital Advisors provides financial planning, portfolio management for individuals and small businesses, education planning, insurance, retirement plan services, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Southern Capital Advisors charge?
Southern Capital Advisors charges 0.05%–1.75% a year for its Advisory fees. The fee is billed in arrears and is negotiable.
Source: ADV PART 2A-SOUTHERN CAPITAL ADVISORS, LLC, filed 6 April 2026
Which custodians does Southern Capital Advisors use?
Southern Capital Advisors’ separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $631M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 22 May 2026
How many financial advisors does Southern Capital Advisors have?
Southern Capital Advisors has 6 investment adviser representatives registered with state securities authorities, out of 6 employees, and 6 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Southern Capital Advisors invest in?
At the end of its last fiscal year, Southern Capital Advisors’ separately managed accounts held 72% registered funds (mutual funds, ETFs, BDCs), 18% cash and equivalents, 9% exchange-traded equities, 1% non-exchange-traded equities, 1% U.S. government and agency bonds, 1% state and local bonds, 1% investment grade corporate bonds and 1% high-yield corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Southern Capital Advisors?
Southern Capital Advisors’ direct owners are Charles Johnson (75% or more) and Jason Lockridge (10% to 25%).
Source: Form ADV Part 1A, Schedules A and B, filed 22 May 2026
How does Southern Capital Advisors get paid?
Southern Capital Advisors is paid through a percentage of assets under management and hourly charges. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Southern Capital Advisors registered with the SEC?
Yes, Southern Capital Advisors has been registered with the SEC as an investment adviser since 5 March 2018. Its CRD number is 292275 and its SEC file number is 801-112593.
Source: Form ADV Part 1A, Item 1, filed 22 May 2026; IAPD firm record
How do I contact Southern Capital Advisors?
Southern Capital Advisors’ main office is at 3801 North Highland Avenue, Jackson, TN 38305. Its phone number is 731-265-6812. Its website is southernadvisor.com.