Financial Guidance for
Confident Decision Making

Fee-only financial planning for business owners, entrepreneurs, individuals, and families in Richmond and Williamsburg, Virginia.


They are visionaries. Their businesses are growing. Their income is growing. Their families are busy. And they want to make the right decisions as they grow. However not everyone has the time or expertise to maximize growing their wealth.

We believe everyone deserves financial guidance so they can live their best life. 



Spark Financial Advisors Offers Personal Financing and Fee-Only financial planning in Richmond Virginia

Retirement Planning

Will you be able to live your dream life when you retire? A sound financial strategy will give you the peace of mind you want so you can retire with ease. 

Spark Financial Advisors Offers Personal Financing and Fee-Only financial planning in Richmond Virginia

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. 

Spark Financial Advisors offers 401(k) plans for business owners and Fee-Only financial planning in Richmond Virginia

Business Owner Financial Planning

As your business grows, have confidence your financial plan is sustainable. Your business should bring profit, allow you to build wealth, and live the life you want. 

business owner discusses exit planning with Certified Financial Planner

401(k) Plans for Business Owners

Launching & running a 401(k) plan can be overwhelming. We simplify the process so you can support your employees’ well-being with a customized 401(k) plan and ongoing guidance.

Spark Financial Advisors Richmond VA Williamsburg VA


Getting you to your dreams.

Do you find yourself with a growing income and want to feel confident you are making decisions that are building and securing greater wealth?

Many of the people we work with at Spark Advisors have had success with money and find themselves with a growing career or business, and busy life. However they’ve come to a place where increased income and responsibility requires expert financial guidance.

I’m Lauren Zangardi Hayes, CIMA®, CFP®, and I believe everyone deserves financial guidance that will help them live their best life. For over a decade Spark has been helping families and business owners plan confidently for their future. We understand how important it is for you to make the right financial decisions with certainty.


Your roadmap to financial freedom:



We start with life planning and getting clear on a vision for your future.


We then put your plan into action.


We provide ongoing help to support your evolving life.

Everyone deserves fiduciary financial guidance to live their best life.

We help you make financial decisions with confidence.

As Seen In:

Spark Financial Advisors in Investopedia
Spark Financial Advisors in Words on Wealth
Spark Financial Advisors in MarketWatch
Spark Financial Advisors in Richmond Family Magazine
Spark Financial Advisors in Girlboss
Spark Financial Advisors in The New York Times
Spark Financial Advisors in Bustle
Spark Financial Advisors in Investor's Business Daily
Spark Financial Advisors in The Wall Street Journal
Spark Financial Advisors in Forbes
Spark Financial Advisors in
Spark Financial Advisors in USA Today
Spark Financial Advisors in Student Loan Hero
Spark Financial Advisors in Bankrate
Spark Financial Advisors in Fairy GodBoss
Spark Financial Advisors in U.S. News & World Report
Maximize your money


5 Ways High-Income Earners Build Wealth & Save on Taxes


What's Inside: 
✓ The better way to donate money
✓ When maxing your 401(k) isn’t enough
✓ The major mistake made with restricted stock units
✓ The triple tax advantage few leverage properly

✓ What to do if you make too much to fund a Roth IRA

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