Spark Financials LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$3,200,000
Clients
7
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
7
LowAverage account size
$457,143
About
Spark Financials serves individual clients with tailored financial planning and investment management, and also offers discrete project-based consulting engagements. Tax return preparation and tax consulting are available through an affiliated tax firm under a separate engagement.
The firm emphasizes customized planning and portfolio construction informed by modern portfolio theory and a largely passive investment approach, while using fundamental and cyclical analysis when conducting investment research. Clients can engage for a one‑time comprehensive plan, ongoing planning tied to investment management relationships, or targeted project work.
What is distinctive about the firm is its very small scale — managing roughly $3.2 million for a handful of clients — and its structure as a single‑principal practice. The principal’s combined credentials in financial planning, tax (including an Enrolled Agent designation), and securities licensing, together with the affiliated tax practice and availability of project-focused consulting, set the firm apart from many peers of comparable size.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Cash flow / budgeting
Debt management
College savings (529s, UTMA, etc.)
General estate planning guidance
Fee options
One-Time Comprehensive Financial Plan fee of $10,000
1.00% annually
$199 per hour, billed in 15-minute increments for Project-Based Financial Consulting
Minimum fee: $2,000 per year minimum annual fee for Investment Management Services Fee-only: Financial planning fees and hourly consulting fees charged; no commissions
Main office location
Spark Financials LLC
Elk Grove CA, United States
Number of offices
1
Most active in
Spark Financials LLC has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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