Jul. 25, 2018
To the Honorable Jay Clayton
Chairman
United States Securities & Exchange Commission
Dear Sir:
I am a Fee-Only, fiduciary Certified Financial Planner and the owner of Spark Financial Advisors, LLC a Registered Investment Advisory firm.
I spend over 75% of my time advising clients on their financial lives in a capacity other than investment management. My investment management services are only available to clients who also engage me for financial planning. Without a thorough understanding of my clients full financial picture it is my firm belief that my investment advice would be inadequate. My investment recommendations are not limited or dictated by a field office.
I minimize conflicts by only receiving compensation from client fees; I do not accept commissions or other third-party payments in connection with my recommendations. I advise my client on their insurance coverages (I am a licensed insurance consultant with the State of Virginia) but I do not sell insurance or annuities.
If I had any material conflicts of interest they would be clearly stated in my ADV.
Sincerest Regards,