Financial Planning
As your income grows, maximizing your money becomes more complex. We’ll free up your time and help you create financial independence, allowing you to enjoy building wealth.
Without the right plan it’s difficult to reach your goals
As your finances become more complex it’s easy to miss opportunities, pay too much in taxes, overpay for “financial products,” and totally miss out on your goals. It’s our goal to take away the stress involved with growing your wealth so you can live your best life now and all the way through retirement.
How we help you make decisions with confidence:
Life Planning
Investment Management
Minimizing Taxes
Saving for College
Charitable & Legacy Planning
Financial Accountability
Retirement Plan Analysis
Exit Planning
Risk Analysis
Personalized Independent Advice
Pricing & Packages
FREEDOM BUILDERS
For Career-Minded Professionals
Upfront fee $1,000
starts at $4,000 annually
- Life Planning
- Student loan repayment
- Tax review and planning
- Investment analysis
- College planning
- Employee benefits analysis
- Retirement planning
- Insurance review
- Charitable planning
- Estate planning
- Big purchase planning
Legacy Builders
For Couples & Individuals Approaching Retirement
Upfront fee $1,000
starts at $5,000 annually
- Life Planning
- Tax review and planning
- Investment analysis
- College planning
- Coordination with tax & legal advisors
- Employee benefits analysis
- Retirement planning
- Social Security planning
- Insurance review
- Charitable planning
- Estate planning
- Big purchase planning
- Long-term care analysis
- Tax-efficient portfolio withdrawal analysis
- Pension claiming strategy
Pricing
Our service is priced as a flat annual fee based on assets under advisory (1% on the first $1 million, 0.75% on the next $4 million, tiered down from there) and complexity; it’s paid quarterly. Having a complex life is normal and why many of our clients reach out for expert advice. Some of the complexity items we consider include: entrepreneurship, stock compensation, high student loan balances, private assets, and complex estate planning, among others.
Surprise us with your beautifully complex life. Let’s have a conversation about how we can help you simplify and enjoy financial independence.
Your roadmap to financial freedom:
ENVISION
We start with life planning and getting clear on a vision for your future.
IMPLEMENT
We then put your plan into action.
SUPPORT
We provide ongoing help to support your evolving life.
Everyone deserves financial guidance to live their best life.
We help you make financial decisions with confidence.
As Seen In:
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
DISCLOSURE:
Spark Financial Advisors, LLC (“Spark Financial Advisors”) is a registered investment adviser offering advisory services in the State(s) of Virginia and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by Spark Financial Advisors in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.
All written content on this site is for information purposes only. Opinions expressed herein are solely those of Spark Financial Advisors, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.
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