A personalized financial plan
A plan built for your stage, focused on cash flow, budgeting, and your top priorities. It's a step-by-step roadmap, not just a first move.
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Spark is one-on-one financial coaching for adults 18–49 who are building toward their first $100,000. You get a personalized plan, a real coach in your corner, and clear next steps.
You don't need a big portfolio to deserve real financial guidance. Spark is for people who are early in the game and want structure, coaching, and a roadmap, not a 60-page retirement plan.
Early or mid-career, with plenty of runway ahead of you.
That includes savings, investments, and workplace plans like a 401(k).
Budgeting, debt, emergency savings, and getting started investing, in the right order.
Spark pairs a real plan with real accountability, so your goals don't just sit in a spreadsheet.
A plan built for your stage, focused on cash flow, budgeting, and your top priorities. It's a step-by-step roadmap, not just a first move.
Sit down with your coach to talk through where you are, pick the goals that matter most, and map out what comes next.
Questions don't wait for scheduled meetings. Reach your coach by text or email for guidance and accountability as you work your plan.
Once you have $5,000 to invest, we can actively manage your advisory account as part of your overall plan. It's there when you're ready, never required.
The process we'll follow together, meeting by meeting, at the pace that's right for you. It's a shared roadmap we'll revisit as your life changes, not a one-time checklist.
A great plan only works with follow-through. We'll build it together and serve as your accountability partner. Our first conversation covers how GenWealth works and what to expect along the way.
Knowing where your money goes creates room for your emergency fund, insurance, debt payoff, and retirement savings. Use our budgeting template, and we're happy to review it with you.
Aim for 3–6 months of income (or expenses) in a liquid account. It's your cushion for the unexpected, like a repair or appliance failure, without relying on debt.
If you're married or have children, coverage should handle debts, final expenses, and replace your income for your family. We'll assess your needs and connect you with our insurance specialist.
Even early in life, an estate plan matters, especially to name guardians for minor children. We'll help gather what's needed and connect you with our estate planning team.
Prioritize debt above about 15% interest before extra investing (beyond your 401(k) match). Avalanche pays the highest-rate debt first to save the most; Snowball pays the smallest balance first for momentum. We'll help you choose.
Contribute at least enough to capture your full employer match. It's money you don't want to leave on the table.
After-tax contributions grow tax-free for withdrawal at 59½. Contributions (not growth) can come out penalty-free after 5 years, and a first-time home purchase may qualify for penalty-free use of a portion of your balance.
Home purchase, education (529 vs. brokerage), and travel all deserve a plan. We'll help you budget and choose the right accounts for each goal.
We'll set specific, measurable goals together, like a payoff date or savings target, to keep our next conversation focused, and check in as needed.
This roadmap is a starting point. We'll revisit it as your life evolves, and we're always available between meetings.
Not there yet? That's okay. Spark coaching starts wherever you are, and building your first $5,000 becomes part of the plan. The goal isn't a one-time deposit. It's building a habit of investing that lasts.
Reaching $100,000 in household assets is one of the biggest early milestones in building wealth. Spark helps you move from where you are today toward that mark, step by step.
Every meeting is virtual, so you can join from wherever life finds you.
Talk with our client introduction team. We'll make sure Spark is a good fit and answer your first questions.
Quick callMeet your coach, Adam. Share your goals and where you stand today, and see exactly how Spark works.
30–45 min · virtualAdam builds your plan and walks you through it: your priorities, your next steps, and where you are on the roadmap.
Virtual coaching sessionText or email Adam as you work through your plan. He'll answer questions and keep you accountable.
OngoingChoose coaching, investing, or both. Your intro call will help you pick the right fit.
Your plan, your coach, and your investments working together.
Professional management of your investments, without the coaching program.
A plan and a coach, with no investment minimum. A great fit if you're still building toward $5,000.
A plan is only as good as the follow-through. Adam's job is to make yours clear, keep it realistic, and keep you moving.
Spark is one of three GenWealth programs. If you're under 50, your household assets decide the fit: under $100K is Spark, over $100K is Wealth Builder.
Early-stage builders getting a plan in place.
More established savers, or more complex situations.
Pre-retirees and retirees living on their investments.
Don't see yours? Your intro call is the perfect time to ask.
No. Coaching is open to you wherever you're starting from. The $5,000 minimum only applies if you want us to manage investments for you. If you're not there yet, getting to $5,000 becomes one of your first goals.
Yes. Spark looks at total household assets, which includes savings, investment accounts, and workplace retirement plans like a 401(k).
Not at all. You can choose coaching only, investing only, or both. Coaching has no investment minimum.
Spark meetings are virtual, so you can meet with your coach from home, work, or anywhere in between. Between meetings, you can reach Adam by text or email.
Budgeting and cash flow, building an emergency fund, paying down debt, student loans, life insurance, estate planning basics, starting a 401(k) or Roth IRA, and saving for goals like a home or your kids' education.
You'd likely be a better fit for Wealth Builder or Ready to Retire, which are designed for more established savers and people approaching retirement. Our team will point you in the right direction on your intro call.
Start with a quick intro call. No pressure, just a conversation about where you are and where you want to go.