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.

Get these questions and more answered

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.

Get these questions and more answered

Pricing & Packages

All of our individual engagements start with a one-time comprehensive plan.

Freedom Builders

For Career-Minded Professionals
Initial plan $1,000

Annual Service

starts 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

Annual Service

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

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?
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 account size 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.
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.
Lauren Zangardi Haynes is a CIMA®, CFP® who is a Fee-Only Financial Advisor in Richmond & Williamsburg Virginia

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.

6 + 12 =

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 Credit.com
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
Cover photo invest like a pro pdf

Start Investing Like a Pro

You're just a few clicks away from getting your free guide. Just complete the form.

Check your email, we're sending you your guide.

Cover photo invest like a pro pdf

Start Investing Like a Pro

You're just a few clicks away from getting your FREE guide. Just complete the from.

Check your email, we're sending you your guide.

Pin It on Pinterest

Share This