Spark Super & Pension & Investment

Welcome to SPARK Super & Pension & Investment

Spark Advisors have developed a LOW COST Managed Accounts solution in collaboration with market leading partners and it is exclusively available to its Advisor network.

Once you decide with your financial adviser which Model Portfolios are best suited to your investment needs and objectives, we will purchase investments to be included in your Account so that it reflects the Model Portfolio, or combination of Model Portfolios, that you have selected.

You will be the beneficial owner of the investments in your Account. You can view online all of the investments which are included in your Account as a single Account, even if you have decided to have investments invested in accordance with more than one Model Portfolio. Your investment strategy and preferences may only be communicated to us by your Nominated Representative (this is generally your adviser – refer to “Your Nominated Representative” for more information). The Model Portfolio Managers will manage the Model Portfolios on an ongoing basis, and we will buy and sell investments to be included in, or removed from, your Account as the Model Portfolios change.

The significant benefits of investing
in the SMA include:

  • Construct a unique Account using our blending facility If a number of Model Portfolios are available through the Investment Menu, you can mix them in any proportion that you choose. Your individual blend of Model Portfolios will result in a single Account that you and your adviser have tailored to your needs.
  • Change Models in a tax-advantaged manner If you change your blend of Model Portfolios (which your Nominated Representative can do at any time) we update your Account based on the new Model weightings, and then trade investments so that your Account matches your new combination of Model Portfolios. This means that we don’t unnecessarily sell down investments from your Account to adjust it to the new combination of Model Portfolios.
  • View the investments that make up your Account at any time You own a portfolio of investments, not a unit in a trust. You can log into the investor website at any time to view the individual investments that make up your Account. Please note, in some circumstances, such as when trading is being conducted in respect of your selected Model Portfolio(s), your exact investment holdings will not be available for the period of the trading or longer at the discretion of the Model Portfolio Manager.
  • Your personal circumstances can be accommodated with substitution Your Account can be customised through investment substitution, which allows you to avoid acquiring investments that either you do not wish to hold or already have sufficient exposure to outside of the SMA.
  • Manage your own tax affairs You can select the tax parcel accounting method for your Account which best suits your own circumstances, and you can adjust and amend the allocation method online as required, including after the trade has been completed.
  • Move investments into or out of your Account at any time Contributions and withdrawals can be in cash or in kind – all CHESS-eligible listed Australian securities and a selection of other investments are accepted (Eligible Investments). Moving investments into or out of the SMA does not result in a realisation for capital gains tax purposes. Once you have selected your blend of Model Portfolio(s) we will sell those investments not required and invest the proceeds as per your selection.
  • Keep your trading costs down with our netting policy Trading within the SMA is conducted at a pooled level. This means that each day we assess the net trading requirements of the whole SMA and trade investments on this basis. For example, if investors in one Model Portfolio of the SMA are selling securities in ABC Company and at the same time investors in another Model Portfolio of the SMA are buying the same number of securities in ABC Company we will simply transfer that security from one group of Accounts to the other without incurring any brokerage cost. The benefits (in terms of lower brokerage costs) are passed on to investors. Non-model investments do not form part of the netting process until they are unlocked.
  • Retain the key benefits of managed funds The Model Portfolios (i.e. investment strategies) in the Investment Menu are all professionally constructed and managed by our Model Portfolio Managers and provide investors with access to professional investment managers and wholesale rates of brokerage not available individually.
  • You don’t inherit other investors’ capital gains Unlike most other managed investment schemes, your tax position as a result of investing in the SMA is affected only by the activity within your own Account. You do not buy into gains which have built up from other investors’ earlier investments, and you do not realise gains as a result of other investors’ decisions to withdraw from the SMA.
  • You can easily arrange for regular additional investments It is easy to arrange to make a regular additional contribution into your Account. Full details are set out under “How the SMA works”.
  • You can easily arrange for regular withdrawals It is easy to arrange to make a regular withdrawal from your Account. Full details are set out under “How the SMA works”.
Paul Gladigau
Paul Gladigau
06:49 20 Sep 19
Arthur, George and team helped us work through a challenging situation. Through their expertise, reassurance and guidance, we reached a successful outcome. Their level of customer service was outstanding with almost daily phone conversations and emails. We are truly thankful for all their assistance throughout this period and look forward to our continuing relationship.read more
Ronald Pratap
Ronald Pratap
00:13 31 May 19
I have been with the Spark Licensee since its launch and also with Arthur Kallos since I started my business. The team has always provided great support to myself and always ensures that my queries are taken care of. Arthur has been like a mentor to me and assisted me in a number of business decisions. The support has really helped in growing my business with systems, processes and compliance. I would recommend this group to anyone starting their own business or not getting the right assistance from their current licensee.read more
Hamish Thomson
Hamish Thomson
04:52 30 May 19
Spark ticked all the boxes on my Dealer Group wish list. They are pro-active(a big advantage in our current environment), quick to respond to queries, have robust systems and well documented procedures and they take advantage of available technology without being prescriptive. A big plus is that Arthur is hands on, knows what's happening on the ground, understands the day-to-day demands we face and is always prepared to explore potential solutions.read more
Haris Argeetes
Haris Argeetes
23:07 29 May 19
Having worked with aligned licences, bank owned licences and self licenced i can say that the Spark approach is by far the most innovative and refreshing. A Dealer Group where you can get direct access to the licensee and have your opinion heard. 100% adviser focused without any hidden agendas.read more
Lincoln Haugh
Lincoln Haugh
06:33 29 May 19
I’ve been with the Spark licence for nearly a year now, and they are an absolute joy to work with. Where I have found the biggest difference is their approach to the businesses they support. They have a key focus to help drive my practices’ growth, and back this up by providing me with the tools and support to do just that. I simply work on my own business, knowing Spark has my back. I can thoroughly recommend Spark as a licensee.read more
Jackson Millan
Jackson Millan
05:55 29 May 19
By far the best dealer group experience I have had! After working as an adviser for over 10 years, I have endured some pretty terrible licensees. Lack of support, not returning phone calls, over promising and under-delivering. My experience with Spark and Arthur have been completely different. Arthur and the team have made it clear since day one that they are available to support us at anytime and this has been backed up by consistent action at every single stage. From onboarding to compliance and revenue processing, Spark go above and beyond to ensure we can stick to running our business and know that everything else is taken care of. I can strongly recommend Spark to any adviser who is looking for a boutique fee for service dealer group that is focused on providing them with the tools they need to adapt to the changing environment and position themselves as the adviser of the future.read more
Kosta Pelitidis
Kosta Pelitidis
12:11 09 May 19
Great company! Very informative and Arthur knows his stuff.
Elixir Wealth Advisory For Doctors
Elixir Wealth Advisory For Doctors
03:40 16 Aug 18
We are boutique practice for Medical Professionals with insightful and exclusive strategies for Doctors. and now very pleased for our Wealth Management division to be associated with one of the best cultured, personalised and outstanding AFS Licensees and Dealer Groups in Australia. The depth of experience, vision and level of support is next to none and very suited to our specific clientele.read more
John Cachia
John Cachia
02:39 16 Aug 18
Great people. Great group. Feels good be apart of like minded individuals who want to help Australians achieve their dreams :)read more
Brenton Micallef
Brenton Micallef
02:38 29 Jul 18
It's good to have a plan.
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