---
title: "Learn - Sapience Financial"
description: "Life Insurance Advice and  Modern Estate Planning Services for Australian Small Business Owners, Partnerships & their Families"
url: "https://sapience.com.au/?id=86&view=category"
date: "2026-06-15T11:22:32+00:00"
language: "en-GB"
---

##  [ Submission to the Attorney-General: The 2026 Mandate on Elder Abuse ](https://sapience.com.au/submission-to-the-attorney-general-the-2026-mandate-on-elder-abuse)

### Submission to The Attorney-General: The 2026 Mandate on Elder Abuse

Sapience Financial has submitted a formal response to the Department of Social Services and the Attorney-General's Department, regarding the [National Plan to End the Abuse and Mistreatment of Older People 2026-2036](https://www.ag.gov.au/rights-and-protections/publications/national-plan-end-abuse-and-mistreatment-older-people-2026-2036).

We argue that the current state-and-territory-based Enduring Power of Attorney (EPOA) frameworks are no longer fit for purpose to handle the looming intergenerational wealth transfer. The existing system focuses too heavily on forensic theft and overt acts of mistreatment, remaining completely blind to the subtle, early stages of 'financial grooming' and 'Inheritance Impatience' occurring within Australian families.

- To address this critical structural defect, our submission calls for a 'manual override' of the government's 10-year timeline, accelerating action to a 2026 mandate focused on primary prevention.
- A central pillar of this mandate is the urgent deployment of a National Online Register for all Enduring Documents.
- Modeled off existing platforms like PEXA, this secure database would eliminate the current jurisdictional lottery and provide banks and medical professionals with real-time validation to stop 'The Predator on the Couch' in their tracks.

Furthermore, we advocate for the implementation of Mandatory Forensic Screening, which would legislate professionals - such as financial advisers, lawyers, and bankers - as mandatory interveners required to ask prescribed ;awkward questions' in private consultations.

We must also move away from generic EPOA templates and undocumented 'Bank of Mum and Dad' handshake agreements. By introducing deliberate 'Friction by Design' and high-tensile registered documents, we can document family loans to neutralise the 'Presumption of Advancement' and create a definitive forensic shield against structural theft.

Sapience has made a formal submission to the Government's Attorney General about this report.

 #### Formal Response Submission to the Government by Sapience Financial

👓 [ Read our Full 2026 Mandate Submission here ](https://sapience.com.au/images/blog-assets/pdf-download/260406%20SAP%20Govt%20Submission%20_%20Elder%20Abuse%20Submission%20Sapience%20Financial%20Sapience%20Financial.pdf)

📥 [ Download the Full Submission (PDF, 2MB) ](https://sapience.com.au/images/blog-assets/pdf-download/260406%20SAP%20Govt%20Submission%20_%20Elder%20Abuse%20Submission%20Sapience%20Financial%20Sapience%20Financial.pdf)

- [ advocacy ](https://sapience.com.au/all-tags/advocacy)

##  [ Free Resources ](https://sapience.com.au/resources/downloadable-resources)

##  Download a Free Sapience eGuide

### Need to upskill your practical financial knowledge? Download a relevant free Sapience Financial eGuide (and become more life confident)

Our Sapience eGuides are free educational guides for our clients, friends, and supporters – each designed to help chunk – down bigger financial concepts and habits into bite-sized learnable pieces. Our worksheets are design to help focus your thinking as you start to prepare to work with us.

- Whether that's helping your kids to begin to learn good financial habits
- Preparing to learn more about Modern Estate Planning options
- Understanding the statistical reality that 31 Australian families lose an income-earning parent every day (and what you can do about that)
- Supporting Same-Sex Newlyweds looking to learn about their new financial decisions

###  Below are our current helpful eGuides ready for download

- [31 Families Lose a Parent Every Day](https://sapience.com.au/images/resources/31-families-lose-a-parent-every-day-sapience-financial.pdf)
- [7 Myths About Modern Estate Planning](https://sapience.com.au/images/resources/The-Ultimate-Plan-B-7-Myths-about-modern-estate-planning-SEC%203.pdf)
- [31 Good Money Habits to Model for your Kids](https://sapience.com.au/images/resources/31-Good-Financial-Habits-to-Model-for-your-Kids-from-Sapience-SEC.pdf)
- [7 Financial Decisions Same-sex Newlyweds Need to Make](https://sapience.com.au/images/resources/7-Financial-decisions-same-sex-newlyweds-need-to-make-SEC.pdf)

[![free download eguide 31 Good Money Habit to Model for your Kids sapience financial](https://sapience.com.au/images/resource-thumbs/free-download-eguide-31-Good-Money-Habit-to-Model-for-your-Kids-sapience-financial.jpg)](https://sapience.com.au/index.php?option=com_osdownloads&view=item&id=2&Itemid=750)[](https://sapience.com.au/index.php?option=com_osdownloads&view=item&id=13&Itemid=753)[![download eguide seven myths of estate planning thumbnail sapience financial](https://sapience.com.au/images/resource-thumbs/download-eguide-seven-myths-of-estate-planning-thumbnail-sapience-financial.png)](https://sapience.com.au/index.php?option=com_osdownloads&view=item&id=4&Itemid=752) [![31 families lose a parent every day thumb 400D](https://sapience.com.au/images/resource-thumbs/31-families-lose-a-parent-every-day--thumb-400D.jpg)](https://sapience.com.au/index.php?option=com_osdownloads&view=item&id=13&Itemid=753) [![free download eguide 7 Financial decisions same sex newlyweds need to make sapience financial 400](https://sapience.com.au/images/resource-thumbs/free-download-eguide-7-Financial-decisions-same-sex-newlyweds-need-to-make-sapience-financial-400.jpg)](https://sapience.com.au/index.php?option=com_osdownloads&view=item&id=3&Itemid=751)

![Coming soon](https://sapience.com.au/images/resource-thumbs/coming-soon-sapience-financial.png)**Coming Soon**: Keep an eye out for our new eGuide [*Unexpected Wealth Syndrome*](https://sapience.com.au/index.php?option=com_osdownloads&view=item&id=20&Itemid=840) and learn new skills on how to better manage an unexpected inheritance, redundancy payment, or even a lottery winning.

- [ Get Life Confident ](https://sapience.com.au/all-tags/get-life-confident)
- [ eGuides ](https://sapience.com.au/all-tags/eguides)
- [ mindset ](https://sapience.com.au/all-tags/mindset)
- [ downloads ](https://sapience.com.au/all-tags/downloads)

##  [ Get our Not-a-Newsletter ](https://sapience.com.au/?view=article&id=190:get-our-not-a-newsletter&catid=95)

## Become more life confident - get our Not-a-Newsletter

### Some things in financial life are *nice to know –* some are *important to know*

– being able to tell the difference sets you apart

Start a good habit and read our seasonal financial Not-a-Newsletter, designed to help you (or someone you know) take more control over modern financial life.

Our **Not-a-Newsletter** shares tips, articles, insights, and resources to support your financial life.

There’s no spam, all content is hand-crafted by myself, I never share your information, and it’s free.

Let us know your name and best email address in the form below and we'll put you on our list of people becoming for life confident.

![Drew Browne](https://sapience.com.au/images/sig-drew/Drew-signature.png)

P.S. It's never too late to start a healthy new habit.

##  [ Financial Calculators ](https://sapience.com.au/resources/financial-calculators)

##  Financial Calculators

### These financial calculators are powered by the ASIC \*[MoneySmart](https://www.moneysmart.gov.au) website and can help provide clarity to achieve a financial goal.

### Life Insurance needs calculator

- [Life Insurance needs calculator](https://moneysmart.gov.au/how-life-insurance-works/life-insurance-calculator)
    Determine if you may need life cover and how much you may need.

### Managing your Money

- [Savings goals calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/savings-goals-calculator "Savings goals calculator")
    How long to reach your savings goals
- [Compound interest calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/compound-interest-calculator "Compound interest calculator")
    What saving a regular amount achieves
- [Income tax calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/income-tax-calculator "Income tax calculator")
    What's your take-home salary after tax and Medicare
- [Your net worth calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/your-net-worth-calculator "Your net worth calculator")
    Measuring your current financial situation
- [Budget planner](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/budget-planner "Budget planner")

### Borrowing and Credit

- [Mortgage calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/mortgage-calculator "Mortgage calculator")
    How much will my repayments be?
- [Mortgage switching calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/mortgage-switching-calculator "Mortgage switching calculator")
    Will you will save money by switching to another mortgage?
- [Mortgage health check](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/mortgage-health-check "Mortgage health check")
    How well you are coping with your mortgage
- [Personal loan calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/personal-loan-calculator "Personal loan calculator")
    How much will the repayments be?
- [Credit card calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/credit-card-calculator "Credit card calculator")
    How much you'll save by making higher repayments

### Superannuation

- [Retirement planner](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/retirement-planner "Retirement planner")
    How to boost your super
- [Superannuation calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/superannuation-calculator "Superannuation calculator")
    How fees affect your payout
- [Super contributions optimiser](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/super-contributions-optimiser "Super contributions optimiser")
    Which type of super contribution will give your super the biggest boost
- [Super vs Mortgage calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/super-vs-mortgage-calculator "Super vs mortgage calculator")
    The effect of putting extra money into a mortgage or super?
- [Super co-contribution calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/super-co-contribution-calculator "Super co-contribution calculator")
    For when you're looking to boost your super
- [Employer contributions calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/employer-contributions-calculator "Employer contributions calculator")
    How much super you should be getting from your employer

### Retirement

- [Retirement planner](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/retirement-planner "Retirement planner")
    What income you are likely to have from super and the age pension when you retire?
- [Super and pension age calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/super-and-pension-age-calculator "Super and pension age calculator")
    Work out when you can get your super or apply for the Pension
- [Account-based pension calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/account-based-pension-calculator "Account-based pension calculator")
    How long your super account pension last

### Investing

- [Managed funds calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/managed-funds-calculator "Managed funds calculator")
    How fees and costs affect your investment
- [Margin loan calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/margin-loan-calculator "Margin loan calculator")
    Only for dedicated investors who actively monitor and manage their investments

\*ASIC is the Australian government's Financial Services Regulator and MoneySmart is their consumer-facing website.

1. [ Case #16: The Caretaker’s Triage](https://sapience.com.au/resources/forensic-files/case-16-the-caretakers-triage)

2. [ Case #15: The Hidden Trust](https://sapience.com.au/resources/forensic-files/case-15-the-hidden-trust)

3. [ Case #14: The Paperless Patriarch](https://sapience.com.au/resources/forensic-files/case-14-the-paperless-patriarch)

4. [ Case #13: The Martyr’s Ledger](https://sapience.com.au/resources/forensic-files/case-13-the-martyrs-ledger)

5. [ Case #12: The Steward’s Hoard](https://sapience.com.au/resources/forensic-files/case-12-the-stewards-hoard)

6. [ Case #11: The Digital Ghost](https://sapience.com.au/resources/forensic-files/case-11-the-digital-ghost)

### [ Resources](https://sapience.com.au/?view=category&id=95)

 Page 1 of 7

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