Blog
Welcome to our Personal Finance Blog
Money bewilders most of us. How to spend it, save it, invest it, and how to best protect the person who makes it.
These questions we all face daily — a puzzle we all attempt to understand and solve just about every day. Yet despite money's centrality to our lives and businesses, it's something we all grapple with, and mostly in private.
- Money is the 'Lord Voldemort' of topics — feared by most and mentioned by a few. It's oddly uncomfortable to discuss socially and rarely even with our partners, parents, and children.
Perhaps that's because managing our money and life's risks inevitably involves the fusion of both the emotional and practical aspects of our decision-making processes. The most difficult of questions are those with both economic and emotional answers.
At Sapience, we're all about The How.
Our educational Personal Finance Blog is for people who want to grow and remain wealthy. And while the journey toward wealth is clearly marked, you still have to be looking in the right direction.
Your Biggest Retirement Asset Isn't Your Super. Are You Protecting It?
Here is a warning from The Grattan Institute 2025 report - Renting in Retirement report: Why Rent Assistance Needs to Rise.
"Most retirees who rent live in poverty, including more than three and four single women, and this problem is set to get worse… few Australians who rent are saving enough to cover the cost of renting in retirement. As a result, today’s low income renters are likely to become tomorrow struggling renters in retirement…’ - Grattan.
Avoid a Fire Sale: Solving Liquidity in Your SMSF
Without liquidity insurance, the biggest threat to your family's financial future isn't a market crash, but a forced fire sale of your most valuable assets in your SMSF.
A Question of Blood: The Unseen Disinheritance of Australian Step-Children
Who counts as family to you? Is it more logical than biological? If you don't yet have a Will document in place, you're going to want to read this.
What to do before you’re really rich
Good things, they say take time, but that's not going to work when it comes to protecting your family's future. Some things, especially when it comes to protecting and providing, have to be the priority, and even have an element of urgency.
But what if I can't afford it, yet? What if I'm not rich enough, yet?
What if, ... and the list will go on.
A Practical Guide to Your Power of Attorney and Enduring Guardianship documents in Australia
You’d think appointing someone to make legal decisions for you in case of a future emergency, would be simple. In Australia, you’d be wrong. What’s called an ‘Enduring Guardianship’ document (EPOG) in Sydney requires a completely different document in Melbourne or an ‘Advance Care Directive’ in Adelaide - each with its own strict and unique witnessing requirements.
The Plan Your Spouse Thinks You Already Have
If your Mortgage Repayments rely on two incomes, what happens when one income is gone?
As a risk insurance specialist, I see all too often hard working Australian families, who seemingly have doing everything right - juggling two incomes, a home to call their own, yet they're walking a financial tightrope daily that they see as simply, the 'new normal' and feeling powerless to protect themselves from it's very real risks.
- AI and the Future of Professional Advice
- Beyond the Diagnosis: Chronic illness and life insurance policies you can no longer afford
- Ending a De Facto Relationship in NSW: The Checklist you Need
- Protecting Inheritances: The Bankruptcy Trust in a Protective Will Explained
- Protecting Inheritances: The Superannuation Proceeds Trust in a Protective Will Explained
- How many times you can claim on a personal insurance policy?
- Getting Life and Disability Insurance when you're living with Sleep Apnea
