A Custom Designed 401(k) Plan

That Supports Your Goals

Small Business 401(k) Plans in Richmond Virginia

Spark Financial Advisors helps you save money for the future with our 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.

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

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!

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 Richmond 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.

10 + 4 =

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