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Lauren Zangardi Haynes
Lauren Zangardi Haynes, CIMA, CFP (R) is a fee-only financial planner and founder of Spark Financial Advisors. She has three kids (eight and under) and an elderly miniature schnauzer. Learn more about Lauren’s services at Spark Financial Advisors.

    Your Money, Your Values

    There are many ways you can express your opinions and values in 2019. Did you know you can express your values in the way you invest your money as well? Perhaps you’ve heard of socially responsible investing, or ESG investing…

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    Financing Higher Education

    Picture the home of a Richmond-area family. In it, a couple decides they want to start saving for their child’s college costs. They search online, “What’s the best way to save for college?” The search engine returns 333,000,000 results. The…

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    Funds Made Simple

    Does your investment strategy primarily consist of listening to that guy at your kid’s game who brags loudly about his genius stock picks? Let’s face it – there is something undeniably appealing about the idea of picking individual stocks and…

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    The Markets Made Simple

    We want our kids to be financially literate, but it can be hard when adults can’t quite find the right words to explain some financial topics. Let’s face it, the industry is somewhat known for its abbreviations (IRA, HSA, TUWs)…

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    Family Finances with Your Kids

    According to an article I saw on NerdWallet, a website devoted to personal finance decisions,  people would rather talk about topics like death, religion, sex, or politics – instead of money. The problem is, most of us are so uncomfortable…

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    What Is a Health Savings Account?

    More and more employers are offering health savings accounts (HSAs) as part of their employee benefits package. This savings account allows you to set aside money to pay for qualified medical expenses incurred during the year income tax-free. The Upside…

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