Spark Financial Advisors Articles
When to use the Va 529 Tuition track Portfolio
Have you heard about the Virginia 529 Tuition Track portfolio and are wondering whether it makes sense for your family? Or perhaps you are looking for an alternative to the Virginia 529 Prepaid tuition program. In this article we’ll explain what the new Tuition Track...
What Is A Fiduciary Financial Advisor And Why You Need One
Most clients think their financial advisor is a fiduciary. That’s not the case. When it comes to your money, you absolutely need to know that your financial advisor is always putting your interests ahead of their own. Learn what it means to be a fiduciary and how to protect yourself.
#1 Charitable Giving Mistake
Many people are interested in donating to causes that matter to them right now. If you are donating a significant amount to a charity you may want to consider donating appreciated stock, mutual funds, or ETFs instead of cash. Why gift away your capital gain? Unlike...
The Backdoor Roth IRA: What High Income Earners Need To Know
What is a backdoor Roth IRA and who can benefit from one? If you earn too much money, you are not eligible to make a full Roth IRA contribution directly to a Roth IRA (over. However, there is a way around this. Some crafty accountants and financial advisors designed...
Help! My 401k failed testing and I’m getting money back
Did your 401(k) contribution get returned to you? Don’t let it simply sit in a savings account. Learn why it happened and what you actions you need to take now to stay on track financially as a high -income earner.
Boost Your Business Value: Know Your Numbers
Local businesses are on the frontline of the Coronavirus-induced sales slump. While this time may hurt our bottom line in the near future, we can use this slow period to build long-term value in your business. Here are some ways you can boost the value and efficiency...
4 Common Exit Planning Mistakes Business Owners Make
Is your business really worth what you think it’s worth? Could you sell your business for what you want to sell it for? Many business owners plan on selling their business to help finance their retirement, or perhaps to harvest a reward for the blood, sweat, and tears...
What you need to know about the SECURE Act
The end of the year is always a good time to check in on your financial and estate plans, but Congress has given you an extra incentive to do so this year. Congress recently passed the SECURE Act, who’s proponents are hailing it as one of the biggest changes to our...
Year-end Planning for Business Owners (Video)
What should you do with excess cash in your business? At year-end many business owners want to reduce their projected tax burden by investing in their business. Wait! Before you press "buy now" and purchase more equipment or office supplies we created this video...
Why business owners need to think differently about their money
Would you describe yourself as a “risky person?” Most people would probably answer that question with a “no.” Yet, as an entrepreneur you have taken on more risk than most others. This is because you have considered the risks and potential returns of entrepreneurship...
Lauren Zangardi Haynes, CFP®, CIMA®, CEPA
Spark Financial Advisors
Fee-Only Financial Advisory in
Richmond, VA & Williamsburg, VA
406 W. Franklin St., Suite 204, Richmond VA 23220
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