Spark Financial Advisors Articles
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?
Never worked with a fiduciary Fee-Only financial planner before? That's not unusual, there frankly aren't that many of us. We work with many clients who have never worked with a financial planner and aren’t sure what to expect. Here's a high level overview of what...
5 Estate Planning Tips For Unmarried Partners
Are you in a committed relationship but not married? You have some unique planning considerations when it comes to retirement and estate planning. Let’s go through 5 “must-haves” to protect your partner. (This is not legal advice.) 1. Retirement Account...
A Simple Yet Savvy Way To Create A Charitable Legacy
Do you want to leave the world a better place? There are many great ways to leave a lasting impact on our world. These range from daily decisions we make to live more sustainably, to more complicated decisions around how we want to structure our charitable giving and...
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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