A Custom Designed 401(k) Plan
That Supports Your Goals
Small Business 401(k) Plans in Richmond Virginia
Save money for the future
A 401(k) can help you take advantage of your earning power to build financial independence.
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.
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 fiduciary 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 coaching sessions to help your employees maximize their use of the 401(k) plan
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, Williamsburg, and beyond.
Want to offer a 401(k) Plan to Your Employees?
WILL MY EMPLOYEES HAVE THEIR OWN 401(k) ACCOUNTS OR IS THIS A POOLED ACCOUNT?
DO YOU ACCEPT ANY COMMISSIONS OR HIDDEN FEES?
WE’RE A START-UP 401(K) PLAN, CAN YOU STILL HELP US?
CAN YOU HELP ME INTEGRATE A 401(K) OR SOLO-401(K) WITH MY PERSONAL FINANCIAL PLAN?
MY EMPLOYEES WANT TO INVEST IN A SOCIALLY RESPONSIBLE MANNER. CAN WE OFFER ESG FUNDS?
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.