--- title: "Blogs - Sapience Financial" description: "Our Financial Blog is for people who want to grow and remain wealthy. While the journey toward wealth is clearly marked, you do have to be looking in the right direction." url: "https://sapience.com.au/blog?start=228" date: "2026-06-16T04:58:39+00:00" language: "en-GB" --- # Blog ### Welcome to our Personal Finance Blog ![Pic of Senior Advisor Drew Browne](https://sapience.com.au/images/author-pic/ceo-drew-browne-round.png) 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. ### Explore Our Blog by Speciality Select a speciality below to view our curated specialist insights and practical strategies. [🧠 Evolutionary Finance](https://sapience.com.au/insights/evolutionary-finance) [🌳 Family, Legacy & Aging](https://sapience.com.au/insights/family-legacy-aging) [⚖️ Estate Law & Succession Planning](https://sapience.com.au/insights/estate-law-succession) [🛡️ Specialist Risk & Insurance](https://sapience.com.au/insights/specialist-risk-insurance) [🤝 Small Business Risk & Partnership](https://sapience.com.au/insights/small-business-risk-partnership) [🌍 Social Leadership & Conscious Business](https://sapience.com.au/insights/social-leadership-conscious-business) [🏠 Wealth Builders & Home Finance](https://sapience.com.au/insights/wealth-builders-home-finance) [📰 Sapience General Archive](https://sapience.com.au/insights/sapience-general-archive) ![Not made by AI sapience financial](https://sapience.com.au/images/icons/not-made-by-AI-sapience-financial-black.png) --- [ ![love locks](https://sapience.com.au/images/blog/intro-what-are-the-key-documents-in-an-estate-plan-sapience-financial.jpg) ](https://sapience.com.au/blog/what-are-the-key-documents-in-an-estate-plan "What are the key documents in an estate plan?") ## [ What are the key documents in an estate plan? ](https://sapience.com.au/blog/what-are-the-key-documents-in-an-estate-plan) --- ### Modern Estate Planning is about a workable plan – not just a Will ### It involves a powerful *combination of 5 key documents* and *an ongoing management system* that works quietly in the background for you as a personal backup system. ### So what’s your Plan B? (just in case) - [ power of attorney ](https://sapience.com.au/all-tags/power-of-attorney) - [ company power of attorney ](https://sapience.com.au/all-tags/company-power-of-attorney) - [ Simple Wills ](https://sapience.com.au/all-tags/simple-wills) - [ enduring power of guardianship ](https://sapience.com.au/all-tags/enduring-power-of-guardianship) - [ Protective Wills ](https://sapience.com.au/all-tags/protective-wills) - [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession) [ Read more … ](https://sapience.com.au/blog/what-are-the-key-documents-in-an-estate-plan) [ ![fun time lapse video of LEGO construction](https://sapience.com.au/images/blog/intro-lego-time-lapse-sapience-financial.jpg) ](https://sapience.com.au/blog/lego-time-lapse "LEGO time-lapse") ## [ LEGO time-lapse ](https://sapience.com.au/blog/lego-time-lapse) --- ### LEGO® logo time lapse ### There is power in playfulness … Many of our clients remember fondly first playing with LEGO® bricks at a young age and perhaps accumulating more plastic blocks than would be considered healthy and might rival the typical Tupperware collections of old. The same enjoyment is now making inroads into corporate thinking with programs such as LEGO® SERIOUS PLAY®. - [ fun stuff ](https://sapience.com.au/all-tags/fun-stuff) - [ annimated explainer video ](https://sapience.com.au/all-tags/annimated-explainer-video) - [ LEGO Fun ](https://sapience.com.au/all-tags/lego-fun) - [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive) [ Read more … ](https://sapience.com.au/blog/lego-time-lapse) [ ![LEGO Minifig with artwork applied](https://sapience.com.au/images/blog/intro-australias-coolest-business-cards-sapience-financial.jpg) ](https://sapience.com.au/blog/australias-coolest-business-cards "Australia’s Coolest Business Cards") ## [ Australia’s Coolest Business Cards ](https://sapience.com.au/blog/australias-coolest-business-cards) --- ### Are these Australia’s Coolest Business Cards? ### Our new LEGO® themed business cards have arrived at Sapience! - [ fun stuff ](https://sapience.com.au/all-tags/fun-stuff) - [ LEGO Fun ](https://sapience.com.au/all-tags/lego-fun) - [ 📰 Sapience General Archive ](https://sapience.com.au/insights/sapience-general-archive) [ Read more … ](https://sapience.com.au/blog/australias-coolest-business-cards) [ ![broken pierces of chalk on floor](https://sapience.com.au/images/blog/intro-why-every-parent-needs-a-plan-for-the-future-sapience-financial.jpg) ](https://sapience.com.au/blog/why-every-parent-needs-a-plan-for-the-future "Why every parent needs a Plan B for the future") ## [ Why every parent needs a Plan B for the future ](https://sapience.com.au/blog/why-every-parent-needs-a-plan-for-the-future) --- ### Why every parent needs a Plan B for their children's future The effect of the death of a parent on our children's future Can we measure the future impact of the loss of a parent? While this is different from family to family, what is measurable is *the effect of the financial loss* during the most difficult time in a child's life. A report by ING Australia studied the *future impact the loss of a parent can have on a family* and the role sound financial advice can play in helping families pick up the pieces. Additional research was conducted 5 years later by ANZ with similar results. - [ family provision ](https://sapience.com.au/all-tags/family-provision) - [ family safety ](https://sapience.com.au/all-tags/family-safety) - [ nominating a children's guardian ](https://sapience.com.au/all-tags/nominating-a-childrens-guardian) - [ modern estate planning ](https://sapience.com.au/all-tags/modern-estate-planning) - [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging) - [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance) [ Read more … ](https://sapience.com.au/blog/why-every-parent-needs-a-plan-for-the-future) [ ![home sign](https://sapience.com.au/images/intro-co-owners-and-the-new-way-to-buy-property-sapience-financial.jpg) ](https://sapience.com.au/blog/co-owners-and-the-new-way-to-buy-property "Co-Owners and the new way to buy property and help your kids") ## [ Co-Owners and the new way to buy property and help your kids ](https://sapience.com.au/blog/co-owners-and-the-new-way-to-buy-property) --- ### Co-Owners and the new way to buy a property and help your kids ### Buying a property with others — Co-Owners & Limited Equity Guarantees With increasing housing prices, changes in our spending and saving patterns, the ongoing uncertainty from the GFC and uncertain government economic policy, many people are now looking to Co-Ownership as a way to enter the property market with lower cost and lower risk. Simply put, Co-Ownership is now mainstream. - [ mortgage ](https://sapience.com.au/all-tags/mortgage) - [ income protection ](https://sapience.com.au/all-tags/income-protection) - [ investment property ](https://sapience.com.au/all-tags/investment-property) - [ saving and investing ](https://sapience.com.au/all-tags/saving-and-investing) - [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance) [ Read more … ](https://sapience.com.au/blog/co-owners-and-the-new-way-to-buy-property) [ ![people working at cafe](https://sapience.com.au/images/blog/intro-common-mistakes-with-employer-super-obligations-sapience-financial.jpg) ](https://sapience.com.au/blog/common-mistakes-with-employer-super-obligations "Common mistakes with Employer Super Obligations") ## [ Common mistakes with Employer Super Obligations ](https://sapience.com.au/blog/common-mistakes-with-employer-super-obligations) --- ### Common mistakes with Employer Super Obligations The Australian Tax Office (ATO) runs education campaigns for business owners in the services industries to help them better understand their super obligations. These are some of the most common mistakes employers make - [ small business ](https://sapience.com.au/all-tags/small-business) - [ superannuation ](https://sapience.com.au/all-tags/superannuation) - [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership) [ Read more … ](https://sapience.com.au/blog/common-mistakes-with-employer-super-obligations) 1. [ SMSF and Liquidity Risks](https://sapience.com.au/blog/smsf-and-liquidity-risks) 2. [ Life is complicated without the instructions](https://sapience.com.au/blog/life-is-complicated-without-the-instructions) 3. [ The biggest risk in small business is also the most manageable](https://sapience.com.au/blog/modern-small-business/the-biggest-risk-in-small-business-is-also-the-most-manageable) 4. [ Your customer will only really remember how you made them feel](https://sapience.com.au/blog/modern-small-business/your-customer-will-only-really-remember-how-you-made-them-feel) 5. [ Default settings are not safe for business owners](https://sapience.com.au/blog/modern-small-business/default-settings-are-not-safe-for-business-owners) 6. [ Would you prefer to talk with your teenager about sex or money?](https://sapience.com.au/blog/modern-small-business/would-you-prefer-to-talk-with-your-teenager-about-sex-or-money) 7. [ When two rights get it wrong in leading a team](https://sapience.com.au/blog/modern-small-business/when-two-rights-get-it-wrong-in-leading-a-team) ### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business) Page 39 of 49 ## Schema ```json { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home |", "item": "https://sapience.com.au" }, { "@type": "ListItem", "position": 2, "name": "Blogs", "item": "https://sapience.com.au/blog" } ] } ```