Spark Financial Advisors Articles
Retirement: Not one size fits all!
We’ve all seen those “o/s” shirts that are definitely NOT one-size-fits-all. Did you know that retirement planning suffers the same one-size-fits-all trope? In reality, retirement planning is one of the most unique journeys we go through in life. Read more to find out...
Delta Pilots’ Market Based Cash Balance Plan
Delta recently announced the introduction of a new Market Based Cash Balance Plan (MBCBP) intended to supplement their current 401(k) plan. (“Negotiators’ Notepad 23-17,” 2023). This new MBCBP is a supplemental plan that offers the opportunity for Delta pilots to...
Is My Financial Advisor A Fiduciary? Top 3 things to know!
Listen, there is a “F” word you really need to know…and you can say it out loud without fear of children repeating! You need to check to see if your financial advisor is a fiduciary! Today's word is “fiduciary”. You have probably already read this word in the...
Four Women Owned Businesses in Richmond VA You Need to Know About
We love supporting women-owned businesses and thought it was long overdue to showcase some of the great women owned businesses that serve Richmond, VA. If you are looking to build out your own “team of experts” from attorneys, to insurance brokers to professional...
SECURE Act 2.0: Updates and Opportunities
Ready for round 2? At the tail end of 2022 Congress passed legislation known as the SECURE Act 2.0 which was signed into law by President Joe Biden on December 29th, 2022. There are a number of important retirement planning changes included in this legislation. ...
Build Your Team of Experts
You know where your expertise ends and that “gray” zone of knowledge begins. These can be your blind spots OR you can choose to build out your personal team of experts. Why have a personal team of experts? Reliability that something is being done well Transfer of...
Save More in 2023: Updated IRS Limits
Written by Alexis Grason, CFP®, RICP® Leaves changing color and falling from trees, stores putting out holiday decorations, and the IRS releasing their annual updated numbers for 2023… It’s that time of year when the IRS releases adjustments to limits for the next...
How to roll an I-Bond to a 529 account
Jim has Series I Savings Bonds in his name that have accrued a large sum of interest, but he is struggling to determine how he should fund his children’s college education. He knows that I-bond interest can be excluded from taxes when used for qualified tuition and...
6 Proposed SECURE Act 2.0 Changes Business Owners Need to Know
With a business to run you may not be paying much attention to retirement plan legislation. Congress is working towards the passage of what has been dubbed the SECURE Act 2.0 and it is packed with potential changes business owners need to know about. Don't worry,...
Round Two: The Proposed SECURE Act 2.0
Who's ready for round 2? With the passage of the SECURE Act in 2019 we saw many changes to retirement savings plans. Now, Congress is considering further changes to promote retirement security for Americans. The SECURE Act 2.0 passed the U.S. House of Representatives...
Lauren Zangardi Haynes, CFP®, CIMA®, CEPA
Spark Financial Advisors
Fee-Only Financial Advisory in
Richmond, VA & Williamsburg, VA
413 Stuart Circle, Suite 220 Richmond, VA 23220
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