Spark Financial Advisors Articles
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...
5 Challenges Successful Business Owners Face
You’ve done what seems impossible to others. You started a business, built it up, and now things are clicking along. There are still challenges (that’s what keeps it interesting) but you know you need to focus some of your energy on your personal financial picture....
Women in Leadership: Leading Authentically
Let’s be honest, you’re really good at your job. You wouldn’t have gotten to where you are if you weren’t. That doesn’t mean it’s been easy. You’ve likely dealt with conflicting expectations more often than your co-workers, handled competing demands at work and at...
What To Do With A Concentrated Stock Position
Photo by rawpixel.com from Pexels Back in 2007 I worked for a large bank. One of my co-workers was a long-time bank employee - he had been through many mergers and he really believed in the capabilities and future success of the bank. One day he told me...
5 Reasons Doctors Need To Look Beyond Group Disability Insurance
You finally finish residency or your fellowship and you sign on with a great medical group or large hospital. Or perhaps you're mid-career, changing jobs, and wondering if you really need that private disability insurance policy still. As part of your benefits package...
The Problem with Permanent Life Insurance for Early-Mid Career High Earners
Are you being pitched a permanent life insurance policy? Perhaps your insurance agent is encouraging you to buy a small disability policy and combine it with a whole or universal life insurance policy. I know that no one really likes talking about life...
What’s it like to work with a financial planner?
buTHave you ever worked with a Fee-Only financial planner before? You’re not alone if you answered “no” to that question. We work with many clients who have never worked with a financial planner and aren’t sure what to expect. Let's dive into the details to give you a...
Lauren Zangardi Haynes, CIMA®, CFP®
Spark Financial Advisors
Fee-Only Financial Advisory in
Richmond, VA & Williamsburg, VA
2920 W. Broad St. F12, Richmond, VA 23230
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