Spark Wealth Advisors

Spark Wealth Advisors serves individual and high‑net‑worth clients, as well as small businesses and business owners, offering comprehensive subscription financial planning, limited‑scope (project) planning, and discretionary investment management. The firm operates with a small team and manages a modest number of client relationships, delivering personalized planning and portfolio services rather than mass-market offerings.

The firm emphasizes an ongoing, plan‑first model: clients typically complete a financial plan that guides asset allocation and investment decisions, and comprehensive planning clients receive ongoing monitoring and access to an advisor between meetings. Investment management favors broad diversification and primarily passive vehicles (index mutual funds and ETFs) with attention to tax efficiency, and accounts are managed on a discretionary basis with custody and trade execution provided through a recommended custodian.

Distinctive features include an affiliated tax and bookkeeping business under common ownership that provides tax planning and preparation and may be recommended to clients; the affiliation and any referrals are disclosed and the tax firm’s services are billed separately, and a principal allocates part of their time to that business. The firm also coordinates estate document work through a third‑party provider (retaining no portion of those fees), maintains an insurance license solely for analysis rather than sales, and discloses receipt of non‑research support services from its recommended custodian as a potential conflict of interest.