A Custom Designed 401(k) Plan

That Supports Your Goals

Small Business 401(k) Plans in Williamsburg, Virginia

Save money for the future

A 401(k) can help you take advantage of your earning power to build financial independence.

Spark Financial Advisors helps you reduced your tax burden with our small business 401(k) plans in Williamsburg Virginia

Reduce your tax burden

Taxes are likely your biggest expense. Reduce your taxes now with pre-tax contributions, or save in a Roth 401(k) for tax free withdrawals in retirement.

Spark Financial Advisors helps you attract and retain top talent with our small business 401(k) plans in Williamsburg Virginia

Attract & Retain Top Talent

A well-designed 401(k) can help you stand out in the crowd as you compete for top talent. Offer a valuable benefit that supports your employees financial well-being and encourages loyalty to your firm.

What You Get with a Spark Small Business 401(k) Plan:

Customized plan design process to help you meet your personal and business goals

A Fee-Only financial partner to help you meet your fiduciary duties

Your small business 401(k) plan seamlessly integrates into your overall personal financial plan

Use our cost-effective professional vendors (Third Party Administrator & Plan Recordkeeper) or we can partner with your preferred providers

Low cost, diversified investment options keep more money in your pocket

Employee education and free 30 min. Coaching sessions to help your employees maximize their use of the 401(k) plan

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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

1-on-1 advice for plan participants about their 401(k) plan assets

Fiduciary advisory services for small business clients in Richmond metro and central Virginia to include Henrico, Hanover, Chesterfield, Goochland, Mechanicsville, Church Hill, Short Pump, Bon Air, Midlothian, and beyond.

Want to offer a 401(k) Plan to Your Employees?
Let’s Talk!

SCHEDULE YOUR CALL NOW

401(k) F.A.Q.’s

WILL MY EMPLOYEES HAVE THEIR OWN 401(k) ACCOUNTS OR IS THIS A POOLED ACCOUNT?

Your employees want to sign-in and see how much they have saved in their 401(k) account. The service provider we typically partner with provides your employees with their own account and online log-in so they can track their savings.

DO YOU ACCEPT ANY COMMISSIONS OR HIDDEN FEES?

No, we are proud to serve you as a Fee-Only 401(k) provider. All of our fees are clearly disclosed to you and we do not accept any revenue sharing from providers.

WE’RE A START-UP 401(K) PLAN, CAN YOU STILL HELP US?

Yes, we can help you design a 401(k) plan that meets your personal and business goals. Our minimum 401(k) fee is $3,000 but there is no minimum asset requirement.

CAN YOU HELP ME INTEGRATE A 401(K) OR SOLO-401(K) WITH MY PERSONAL FINANCIAL PLAN?

Absolutely. Give us a call to see how we can help you simplify your finances.

MY EMPLOYEES WANT TO INVEST IN A SOCIALLY RESPONSIBLE MANNER. CAN WE OFFER ESG FUNDS?

Yes, there are some important fiduciary considerations we must consider as we design your 401(k) but you could include some ESG funds in your 401(k) plan.

Lauren Zangardi Haynes is a CIMA®, CFP® Fee-Only Financial Advisor offering custom Small Business 401(k) Plans in Williamsburg Virginia

Wise Words From A Financial Advisor

Lauren Zangardi Haynes is a CIMA®, CFP® Financial Advisor in Williamsburg, Virginia. 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:

Spark Financial Advisors in Investopedia

Spark Financial Advisors in Words on Wealth

Spark Financial Advisors in Richmond Family Magazine

Spark Financial Advisors in The New York Times

Spark Financial Advisors in Investor's Business Daily

Spark Financial Advisors in Student Loan Hero

Spark Financial Advisors in Fairy GodBoss

Spark Financial Advisors in U.S. News & World Report

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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

Email Lauren • (804) 451-1210

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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.