Reach your financial potential

Every day we help more Australians secure their future.

Plan, grow and protect your wealth with a Spark Advisor.

Financial Planning

Your Spark is your passion

Your ambition and drive to live your best life, however that looks for you.

You deserve to follow your Spark and live your dream. The financial planning services at Spark can help you achieve these aspirations.

01

Get Direction

 

Have a clear path forward with Spark’s financial advice and make the most of available opportunities to optimise your wealth.

02

Feel Confident

 

Gain the assurance that comes from knowing your finances are secure, well-managed, and aligned with your future goals — from retirement finance planning to debt reduction planning.

03

Make a Difference

 

100% of Spark Financial Group's profits are invested back into community initiatives. Your financial growth contributes to improving overall financial wellbeing across the broader community.

Does this sound like you?

We help individuals, couples, families and business owners who are struggling with some or all of these challenges:

  • You’re busy and don’t have the time or mental space to prioritise money.
  • It seems like you’re paying an excessive amount of tax.
  • You’re working hard but lack a clear financial goal or strategy.
  • You’re in a demanding job and aspire not to work at such a strenuous pace indefinitely.
  • You’re on the runway to retirement but aren’t sure how much you need and when you’ll have enough.
  • You’re facing a significant life change, be it a job shift, relocation, business decisions, or personal matters like divorce.
  • Your financial landscape is complex, involving various entities, diverse investments, family dynamics, or caring for aging parents.

How a Spark Advisor
Can Help You

Wondering ‘How can a financial planner help me?’ Every journey is unique, and so is our approach. Our Spark financial advisors take the time to understand your personal goals, challenges, and aspirations. Whether you’re planning for retirement, saving for a big life event, or navigating complex financial decisions, we tailor our guidance to fit your life perfectly.

Cash Flow

Our financial advisory services can help you establish cash flow management practices to suit your lifestyle and hit savings targets. Identify and stop the leaks in your finances and streamline your cash flow to ensure every dollar is used efficiently towards building wealth for your future.

Superannuation

Ever asked yourself ‘How do I buy property with my super?’ or ‘How do I invest my super?’ Our advisors can help you untangle the regulatory jargon and access the huge potential for long-term wealth creation that superannuation offers — including Self-Managed Super Funds (SMSF).

Investing

Investing is a great way to grow your wealth, but to do it safely you’ll need quality risk management solutions. Spark offers guidance on balancing risk and reward across different investments, including cash, bonds, real estate, and stocks. We'll regularly review and adjust your investment mix to aim for solid returns, while carefully monitoring diversification, fees, and costs.

Debt Reduction

‘How do I pay off my mortgage sooner?’ — with help from Spark’s financial planning consultants. Pay off your home loan sooner and use good debt to your advantage to propel your financial growth. With our debt reduction strategies and access to suitable loans, you can navigate your finances more effectively and get ahead quicker.

Wealth Protection

‘What is income protection?’ ‘What is life insurance?’ These are just some of the ways you can safeguard your wealth against life's uncertainties, protecting your finances or ability to earn or generate income. We guide you through selecting the right personal insurance options, including life, trauma, and disability coverage. Protect your future with the right income insurance protection and good life insurance financial advice.

Retirement Financial Planning

Many clients come to us asking ‘How do I plan for retirement?’ and the all-important ‘How do I retire comfortably?’. Spark financial advisors help you shape your ideal retirement. By blending investments, smart budgeting, saving strategies, and superannuation, our retirement income planning services help you achieve a comfortable retirement where you get to enjoy all the things that matter most to you.

Redundancy

Whether you’ve taken voluntary redundancy or it’s come out of the blue, redundancy is a crucial time for expert financial advice. One of the few times in life you can expect to be handed a considerable lump sum, our clients often ask ‘What do I do with my redundancy?’. From investing to budgeting, the financial advisors at Spark have the redundancy advice you need to turn a turbulent time into a leg-up on your wealth journey.

Experience a Collaborative & Tested Financial Planning Process

We are innovators in the financial planning industry, always bringing authenticity, transparency and compassion to our roles. Our experienced advisors follow a tried-and-tested process, using market-leading technology, that ensures our standards are met and that you are completely satisfied with our service.

Onboarding

Our advisors use the convenience and security of client portals, which allow you to accurately share your financial data for your financial advisor to review. This includes important information, like bank balances, assets, liabilities and more, thus maximising your time when meeting with one of our Spark Advisors.

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Discovery Meeting

Your dedicated Advisor will meet with you to learn about how we can best ignite and grow your Spark. We are keen to learn about your financial goals and needs, and how we can support you.

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Terms of Engagement

Before commencing the full scope of our services, we will take you through our terms of engagement. These will outline our services, as well as our commitment to helping you achieve your financial goals and our understanding of them.

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Modelling Scenarios & Strategies

Using cutting-edge software and up-to-date insights, we will prepare and present to you strategies in line with your goals that will add the most value to your financial situation. Together, we can discuss these strategies and identify key points to form the core of your advice documentation.

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Research

To ensure we can provide you with the most suitable and helpful advice, your Spark Advisor will thoroughly research your current situation and all relevant existing products and asset services. All this information will be collated into a detailed and comprehensive advice document.

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Advice Documentation

Your Spark Advisor will meet with you once more to guide you through our formal advice document. This may include multiple financial strategies, as well as products, that have been chosen to best meet your needs and goals. Together, we will choose items to action and start you on your financial journey.

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Implementation

We will action all items agreed upon in the advice document, ensuring to keep you updated of any developments and answering any questions you may have. As part of this implementation, your Spark Advisor will offer ongoing services to regularly check the status and progress of all agreed-upon strategies to ensure you are getting the best results possible.

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Ongoing Support

At Spark, we see ourselves as long-term financial partners, offering our advice to you as you set new goals and your circumstances change. Therefore, we will regularly meet with you to review your progress, celebrate your successes and adjust strategies as required.

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Asset Management

Our team of Advisors have access to a dedicated Chief Investment Officer who directs the construction and ongoing management of a number of active investment portfolios designed to maximise returns in line with risk tolerance and macroeconomic factors.

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At Spark, we’re more than financial advisors; we’re your partners on your wealth journey creating a brighter future for you and those you care for.

Make a difference today for a better tomorrow.

Talk to us today

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