Fee-only, fiduciary retirement planning for gay men who want advisors that already understand their lives.
This is for gay men who have built real wealth and are planning for or living in retirement. Maybe you are single and planning without a spousal safety net. Maybe you are part of a couple and want one coordinated plan. Maybe you are thinking about the years before Medicare, when healthcare costs can be a real gap. You want a plan built around your actual life, from advisors you do not have to explain it to.
We use one integrated process. First, spending guardrails: a clear framework for how much you can spend and withdraw each year without second-guessing it. Second, integrated tax planning: we plan year-round to manage taxes across your accounts, not once a year at filing. For most clients we handle this in-house, though it is not required. Third, factor investing: an evidence-based approach designed to capture long-term returns without chasing trends. We build all of it around your real timeline and your real goals.
Spark Wealth Advisors is a fee-only, fiduciary firm. We take no commissions and sell no products, so our advice is built around you, not a sale. Our work is led by Christopher Johns, EA and Series 65, and Jake Skelhorn, CFP, who bring tax and planning depth to every relationship. We are a gay-owned firm built for affluent gay men, which means you start the conversation already understood.
Not ready to talk yet? Download our guide, Retirement Planning for Couples in Florida: The Seven Decisions. It walks through the choices that matter most when planning your future, in plain English, with no pressure.
I am single with no spouse. Does retirement planning work differently for me? Yes, and that is a strength of planning with us. Without a spousal safety net, decisions about healthcare, long-term care, and who you trust to act for you matter even more. We build the plan around your real support network.
How do you charge? We are fee-only. A flat, transparent fee and no commissions. We do not earn money from the products we recommend, because we do not sell products.
What about the years before Medicare? The gap between early retirement and Medicare eligibility is a real cost, and it is something we plan for directly as part of your spending guardrails.
Do you handle the tax side too? For most clients, yes, in-house, though it is not required. Coordinated tax planning is one of our three core pillars.
Do you have to be gay to work with us? No. Our goal is to provide a safe and welcoming place for gay men, so their comfort and privacy is never in question. But we welcome and love working with clients from all walks of life.
Do we have to be in Florida? We are a Florida-registered firm, but we work with clients nationwide virtually.
Book a 30-minute intro call. No pressure, no pitch. Just a conversation about where you are and whether we are the right fit.