Master List of Diagnostic Tools
Commercial Friction & Personal Exposure
Calculate your Unprotected Exposure Gap, statutory ATO Director Penalty Notice (DPN) risks, and spousal real estate blindspots.
Need for Closure Scale (NFCS)
Evaluate your preference for certainty, order, and predictability to understand how cognitive bias shapes high-stakes personal and financial decisions.
Intestacy Risk & Distribution Estimator
Map how your real estate, savings, and personal assets are legally divided under Australian statutory laws if passing away without a valid Will.
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.
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
📥 Download the Full Submission (PDF, 2MB)
Download a Free Sapience eGuide
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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.
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- Preparing to learn more about Modern Estate Planning options
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- 31 Families Lose a Parent Every Day
- 7 Myths About Modern Estate Planning
- 31 Good Money Habits to Model for your Kids
- 7 Financial Decisions Same-sex Newlyweds Need to Make
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