Three Levels of Advice

Basic - Online Only

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  • Basic risk assessment 
  • Access to monthly updates and static portfolios of major asset classes across a risk spectrum from Conservative to Aggressive


COST:  $13 per month

Custom - Online Only

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  • Risk assessment using Riskalyze - available to update at any time
  • Online and app access to monthly updates and custom portfolios using your available funds. Your choice of static or tactical models
  • Real time emails of any changes 
  • Annual review call with personal advisor


COST: $25 per month

Custom - Online and Offline

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  • Risk assessment using Riskalyze - available to update at any time
  • Online and app access to monthly updates and custom portfolios using your available funds. Your choice of static or tactical models
  • Real time emails of any changes
  • Quarterly review of  retirement plan statement and 30 min phone consultation


COST: $99 per month 

Why is Retirement Plan Advice Important?

Who Wants Advice?

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Did you know that according to Charles Schwab * 71% of people with money in their 401k plans “would like personalized investment advice”!  


What is Advice Worth?

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Industry studies estimate that professional financial advice can add  between 1.5% and 4% to portfolio returns over the long term, depending  on the time period and how returns are calculated.**

Are You Confident in Your Retirement Plan?

Answer these simple Q's* to to get your Free Risk Score

Answers to 401k Questions

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Get Started Today

Spark's 401k Plan Confidence

(704) 277-5101

Hours

Monday - Friday: 10am - 5pm

Saturday: By appointment

Sunday: Closed

WHO IS SPARK?

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Our goal is to bring institutional-style asset management strategies  to everyday, individual investors while maintaining the highest  standards of integrity and professionalism.

We are committed to  educating ourselves constantly in an effort to stay on top of the  ever-changing investment landscape so we can better serve our clients.



Check the background of this financial professional on FINRA's BrokerCheck

Advice Research Sources

*Charles Schwab - 2018 401k Participant Survey - August 2018 - Pg 9. 



**Value of advice sources: Envestnet, Capital Sigma: The Return on Advice  Opens in a new window (estimates advisor value add at an average of 3% per year), 2016; Russell Investments, 2017 Value of a Financial Advisor UpdateOpens in a new window estimates value add at more than 4% per year); Vanguard, Putting a Value on Your Value: Quantifying Vanguard Advisor's AlphaOpens in a new window® 2016, (estimates lifetime value add at an average of 3%); Morningstar Investment Management, The Value of a Gamma-Efficient PortfolioOpens in a new window,  2017, (estimates value add for a subset of the service identified in  this paper at an average of 1.5% per year). The methodologies for these  studies vary greatly. In the Envestnet and Russell studies, the paper  sought to identify the absolute value of a set of services, while the  Vanguard and Morningstar studies compared expected impact of advisor  practices to a hypothetical base case scenario. Please follow the links  above to see important differences in the methodologies of these various  studies.

Disclosure and Privacy Policy

Please  be advised that investing involves risk and that no particular  investment strategy can guarantee against a loss.   All investments  involve the risk of potential investment losses.  Past performance is no  guarantee of future results, and there can be no assurance, and clients  should not assume, that future performance will be comparable to past  performance.  No client or potential client should assume that any  information presented or made available through this website should be  construed as personalized financial planing or investment advice.   Please contact your personal financial advisor for more information  before making any investment.
 

Securities Offered Through SA Stone Wealth Management, Inc, Member FINRA/SIPC. SA Stone Wealth Management, Inc does not offer tax or legal advice.  Advisory Services Offered Through Spark Asset Management Group, LLC a NC registered RIA.   There is no relationship between SA Stone Wealth Management, Inc and Spark Asset Management Group, LLC.
 
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