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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.
You need to be aware of these changes as you risk losing a very significant opportunity to protect your greatest asset – your ability to continue to earn your income.
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 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?
We're Open for Business & Managing Covid-19 Read More...
Drew Browne
Sapience Founder & Director.
Simplifying Financial Complexity
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Friends, Flatmates or Defactos and how to tell them apart
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 yourRead More! -
Coronavirus, Life Insurance, Income Protection and You
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 toRead More! -
Standing with you through COVID-19
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 socialRead More!
