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Services

Spark Financial Advisors is a fiduciary and fee-only financial planning firm located in Richmond and Williamsburg, VA. Lauren is a CIMA®, CFP® who offers:

  Life Planning

  Investment Management

  Risk Analysis

  Adjusting for Life Changes

  Charitable & Legacy Planning

  Financial Accountability

  Employee Benefits Analysis

  Planning for Big Life Goals

  Saving for College

  Minimizing Taxes

Pricing & Packages

All of our individual engagements start with a one-time comprehensive plan. Payment plans are available for the initial planning fee.

Freedom Builders

For Career-Minded Professionals
Initial plan $1,000

0.80% Assets Under Advisory

*Minimum annual fee of $3,200

  • 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

0.80% Assets Under Advisory

*Minimum annual fee of $5,000

  • 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

401K Plans

For small business owners looking to offer valuable employee benefits

Annual fee: $Varies/depending on 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

F.A.Q.

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?

A fiduciary is someone who must act solely in the best interest of another at all times. As your financial planner I will sign a Fiduciary oath to you. Fiduciary trust means I can’t ever suggest something that benefits my business over your success.

Other firms require account minimums. Who will you work with?

There’s no minimum investment required to work with me. I’ve structured my fees in a way that tries to make fiduciary financial planning accessible to people who may not already be financially independent.

I believe in transparency. For a detailed break-down of my fees please go here.

Can you give me advice on my student loans?

By getting organized and evaluating your repayment options we will determine the best strategy for you. Once we build a plan, I’ll help you monitor your progress, especially if you are in a loan forgiveness program such as Public Student Loan Forgiveness (PSLF).

What’s it like to work with you?

First, we’ll spend time identifying what’s important to you, where you currently stand financially and create a specific roadmap to help you live your best life. But that’s just the beginning. You’ll get on-going access to me via phone and email for all your questions, 2 meetings per year (in-person or via videoconference), online financial portal that gives you real-time access to your financial plan and accounts, a secure document vault, professional investment management for your assets, coordination with your other trusted professionals (i.e. CPAs, Attorneys, Trust Officer, etc.)

Can you help me invest in a socially responsible manner?

Yes, for clients who want socially responsible investing (or ESG Investing) I can help you. I do not create heavily screened portfolios of individual stocks, but I am happy to help you implement your investment strategy in a way that aligns with your desire to create a better world.

What if I just want a one-time financial plan?

I find most clients have a better experience if they choose ongoing advice. However, if you want to go it alone I can give you a map. I do not require my planning clients to work with me on an ongoing basis or sign annual contracts.

Wise Words

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.

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As Seen In:

Lauren Zangardi Haynes, CIMA®, CFP®

Spark Financial Advisors

2920 W. Broad St. F12, Richmond, VA 23230

Email Lauren   •   (804) 451-1210

DISCLOSURESpark Financial Advisors is a registered investment advisor offering advisory services in the state of Virginia and in other jurisdictions where exempted. We are honored to serve our clients as Fee-Only fiduciaries.

© Spark Financial Advisors

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