Ryan Heltemes

Hi, I’m Lauren Zangardi Haynes, CFP®, CIMA® and founder of Spark Financial Advisors. At Spark Financial Advisors we are focused on helping high earning women, dual-career couples & business owners put an effective strategy in place to build wealth, manage taxes, and spend more time doing what they love. Our clients gain peace of mind knowing their finances are outsourced to a highly qualified team with expertise in building wealth and transitioning into retirement. I got my start in the financial services industry in 2005 with Bank of America. While working for U.S. Trust Bank of America Private Wealth Management I attained my CFP® designation and became a Certified Investment Management Analyst (CIMA®). I transitioned to a smaller Fee-Only financial planning firm to get broader experience beyond investment management and haven’t looked back. I have been quoted in the New York Times, Wall Street Journal, Forbes, USA Today, U.S. News and World Report among others, and have written for Richmond Family Magazine. I previously served on the South Region Board for the National Association of Personal Financial Advisors (NAPFA) the leading organization for fiduciary, Fee-Only financial planners. When I’m not geeking out on financial planning I like to spend time with my husband and 3 kids, read, watch stand-up comedy, and (attempt to) garden.

Martha Osborne is a Planning Consultant at Fidelity Investments, a role she began in 2024. In this capacity, she partners with clients to understand their unique short- and long-term goals and helps them build customized financial plans. Prior to joining Fidelity Investments, Martha worked at Virginia Asset Management where she held positions as a Wealth Management Associate in 2024 and as an Operations Specialist from 2017 to 2024. Her experience spans various aspects of financial planning and wealth management, reflecting a comprehensive understanding of client needs and operational processes. Outside of her professional life, Martha enjoys activities such as spending time at the beach, cooking and baking, engaging in family activities, social events with friends, horseback riding, and traveling.

Ali Khalifa is a Planning Consultant at Fidelity Investments, a position he has held since 2022. In this role, he collaborates with clients to create financial plans tailored to their individual financial priorities and goals, focusing on planning and implementation strategies. Prior to his current role, Ali gained experience in the financial services industry through various positions including Financial Services Representative at State Farm in 2021, Personal Banker II (Licensed) and Personal Banker I at Wells Fargo Clearing Services and Wells Fargo Bank, N.A., respectively, between 2017 and 2021, and Teller at Wells Fargo Bank, N.A. from 2016 to 2017. Ali is multilingual, speaking Arabic, French, and Spanish. Outside of his professional work, he has interests in art, social events with friends, museums, music, outdoor adventures, and reading.