Time is Money
Let’s make the most out of both.
Fee-Only Financial Advisor In Richmond & Williamsburg Virginia
Spark Financial Advisors is a fiduciary advisory and planning firm serving Richmond and Williamsburg Virginia. Lauren is a CIMA®, CFP® fee-only financial advisor who offers these services:
Life Planning
Investment Management
Minimizing Taxes
Saving for College
Charitable & Legacy Planning
Financial Accountability
Retirement Plan Analysis
Exit Planning
Risk Analysis
Personalized Independent Advice
How We Help Business Owners & Partners
How can I build a nest egg outside of my business to protect my family and personal finances?
How can I reduce my tax bills and keep more money for my future needs?
What do I need to do to protect my business and family should something happen to me?
I want to live life now. How can I free up more time for the things that are most important to me?
There are a lot of different financial strategies for business owners and I don’t have time to go through them Can you help me figure out what makes sense for me?
What’s the right exit strategy for me and my business? What would life look like if I didn’t have my business to run?
All of our individual engagements start with a comprehensive plan.
Pricing & Packages
All of our individual engagements start with a one-time comprehensive plan.
Freedom Builders
For Career-Minded Professionals
Initial plan $1,000
*Starting at $3,200 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
Initial plan $1,000
*Starting 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
401(k) PLANS
For small business owners looking to build wealth outside their business
Annual fee: $Varies/depending upon complexity & size of plan
- Assistance designing, implementing and monitoring prudent 401k plans
- Assist 401k plan providers in meeting their fiduciary duty
- Identify low-cost, investments and service providers
- Offer a valuable employee benefit to retain top talent
- Plan participant education
- One-on-one advice for plan participants about their 401(k) plan assets
Financial F.A.Q.’s
HOW CAN I TRUST YOUR RECOMMENDATIONS?
As a fiduciary, Fee-Only financial planner, I never earn commissions or referral fees. That means the only reason I suggest a strategy or investment is because it’s my expert opinion that’s the best step for you.
WHAT DOES "FIDUCIARY" MEAN?
OTHER FIRMS REQUIRE ACCOUNT MINIMUMS. WHO WILL YOU WORK WITH?
CAN YOU HELP ME INVEST IN A SOCIALLY RESPONSIBLE MANNER?
Wise Words From A Financial Advisor
Lauren Zangardi Haynes is a CIMA®, CFP® Financial Advisor in Richmond, VA and Williamsburg, VA. As a speaker and longtime financial writer, she is quoted in many prominent financial and news outlets
As a public speaker on financial planning, investing and preparing for retirement, Lauren is available to speak to your group.
Lauren serves on the South Region board of NAPFA and serves as the co-leader of the Richmond NAPFA study group.
As Seen In:
Lauren Zangardi Haynes, CIMA®, CFP®
Spark Financial Advisors
2920 W. Broad St. F12, Richmond, VA 23230
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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