Blog

Friends, flatmates or de facto partners - and how to tell them apart

When it comes to romance and relationships, the emotional decision about who you think is your partner, may be very different to the legal decision about who is legally considered your de facto partner.

The questions about who may be a boyfriend or girlfriend and who is a de facto become important distinctions when it comes to super payouts, life insurance payouts and family law claims on your finances, investments and property interests.

Getting better at managing our personal and business risks in our connected world

The current Coronavirus epidemic is going to affect Australian families and businesses - but perhaps not for the reason you suspect.

Australians are not new to facing risks to manage. Communities who live in areas of risk have bushfire plans, flood plans and even snow closure emergency plans.

Capacity Statement of Sapience Financial & Investment Services

March 2020

The outbreak of COVID-19 is impacting all of us in many different ways. It has understandably caused disruptions in the financial markets, disruptions in how people work and socialise, will have flow-on effects in businesses in means not yet envisaged and has made us worry about our family and friends.

At Sapience Financial & Investment Services, our commitment is we will continue to put our clients’ interests first. We will continue to communicate what is happening in markets as it relates to our clients’ managed investments and their insurance policies we manage during these uncertain times.

Special Information Alert for Sapience Clients

The end of new Agreed Value Income Protection insurance

There are some very important changes coming to Income Protection Insurance that will affect those who don’t yet have appropriate cover in force by the beginning of April 2020.

Creating wealth and prosperity is extra hard work, and here’s why

Welcome to a New Year, and a New Decade 2020

Have you felt the fashionable pull to publicly commit to a New Year Resolution?

Has your social news feed been flooded with images of bottles of Champaign, Wealth and high Fashion photos that only makes you feel isolated, or even bad about yourself?

Welcome to the annual New Year advertising splurge designed to separate you from what's left of your money, before you can really think about it.

Welcome to a new year (and a new decade). Remember old habits don't usually take us to new places.

Hopefully this the year you’ve decided to set some family goals and get a little more proactive on achieving some saving goals. One of the challenges of a busy life can be we keep our ideas and hopes about our personal money goals locked in our head, rather than writing them down where we can see them, talk about them and maybe even ask about our progress to achieve them.

Trauma Informed Financial Advice is now here

Nobody understands the impact of trauma, stigma or discrimination better than the person experiencing it.Drew Browne

Sapience is a Trauma Informed Organisation specialialising in financial services and specialist insurance adviceSapience Financial and Investment Services is the first Trauma Informed Organisation providing specialty Financial Advice and Insurance Advice through our Trauma Informed methodology.

This is what that means for you and your family.

Do you still have Adult Children living at home?

It might be cultural, it might be essential, but it shouldn't put your ability to retire at risk.

If you have Adult Children still living at home with you while you’re getting ready to retire, have you ever thought about how much money that costs and the effect it will have on your retirement savings?

Supporting the siblings of people living with a disability or chronic health condition

Today there are 2.1 million Australians of working age (15 – 64 years) who are living with a chronic illness or have a disability; from mild to profound.

So it's fair to assume there’s also a lot of siblings of those same people living with a disability or chronic illness.

We often forget that for every person with a disability, there’s probably a sibling or extended family member helping support them or who act as the financial backup for that person too.

Not running with Scissors and Credit Cards

As a kid, I clearly remember the repeated warning about the dangers of running with scissors.

What I didn't hear was the dangers of running off with a credit card, and I wonder which one has caused me more damage in my life so far?

Can you relate?

drew browne pic

Drew Browne

Sapience Founder & Director.
Simplifying Financial Complexity

Be the first to know!
Get our monthly 
Not-a-Newsletter

If you like it share it

Download our Free eGuide # 31 Good Money Habits

Download our latest Free eGuide

Download our Free eGuide # 7 Financial Decisions for Same-sex Newlyweds

Download our latest Free eGuide

Download our Free eGuide # 31 Families Lose a Parent Every Day

Download our Free eGuide # 31 Families Lose a Parent Every Day

Find us in The Better Business Book on Kindle

The Better Business Book Vol 3

Learn about Our Process

Every good decision follows a deliberate process and framework. This is how we approach our thinking.

Proress and strategy help make great fianncial decisions

11 Key risks every Australian should know

Know Your Risk

Know Your Risks

So what are the chances of...
Click to read more...

Want an easy way to upgrade your financial confidence, one month at a time?

Get our Not-a-Newsletter

Get our Not-A-Newsletter
Make your financial life a little easier
Get our Not-a-Newsletter

Our Connections

We're connected to every Life Insurance company in Australia

That means we really can give you the best available option

Why this should matter to you

  • AMP
  • AIA
  • BT
  • TAL
  • CommInsure
  • MLC
  • Zurich
  • One Path
  • Macquarie
  • Asteron
  • Clear View
  • NEOS

About Us

Wherever you are on your financial journey, whether it’s your business, your family or just you; it’s about good information, good connections and good financial advice — and the ability to recognise the difference.
#KeepGoodGrowing

UN Sustainable Development Goals Advocate

Mobile Service

Work with us Online: over email, phone or video conference after hours.

Work with us Face to Face: let's meet at your office, your favourite cafe, or your home (or gelato bar).

Work with us any way that works best for you.

Contact

1300 137 403
George St Sydney, NSW 2000

Awards

Proud Winners Businesses of Tomorrow Awards

Connect

Community

Proudly supporting:
The Pinnacle Foundation