The Sapience Series | Provocations
Welcome to The Sapience Series of Provocations
There are moments in life when we decide to build something meaningful; a business, a home, a family's future. We pour our time, energy, and finances into these dreams, but often, a strategic silence prevails around the most central questions.
We build a beautiful home, only to discover it’s sitting on a dangerously cracked foundation.
- This series is a space for those conversations, the pivotal ones we’re often simply not having.
- Each article is a provocation, designed to challenge the conventional sequence of traditional ideas and financial decision-making.
- We'll start from the philosophy: First, we build your shield. Then, we build your wealth. Protecting your personal risk is the foundation for everything.
Here, we ask the hard questions first, replacing the classic Australian idiom 'she'll be right, mate' and its hopes, with clarity - to ensure the life you’re building is not just prosperous, but truly secure and built to last.
I invite you to join the conversation. Let’s ask the hard questions together (and poke the bear).
PS: What topics are on the horizon?
Over the coming months, we'll look at the questions other financial advisors are not prepared to explore.
- A Provocation on Insurability & Uninsurability
- A Provocation about the Predator on The Couch
- An Upcoming Provocation on Undocumented Business Partnerships and Unexpected Liability
- An Upcoming Provocation on Unconscious Behaviours, Estate Planning and Legacy Avoidance
- An Upcoming Provocation on Culture, Controlling Behaviours and Pre-Elder Abuse
The Predator on the Couch and Why the Government's 10-Year Elder Abuse Plan is a Decade Too Late
(FYI: Elder Abuse is Everybody's Business)
It's another uniquely Australian ritual: to assume the worst only happens to someone else. We watch the evening news, see a story about a family home being swindled and stolen from an older person, and think, 'That would never happen in our family.'
But here’s the uncomfortable truth: you don't need a stranger to steal your foundation. Sometimes, the threat is sitting right there on the couch, drinking your tea.
The last question you should ask first
Your biggest financial decision has a blind spot. Here’s how to fix it.
Checking your personal insurability isn't the last step in a big decision - it's the first.
It's a uniquely Australian ritual. Every few years, the north-eastern coast of Australia is either devastated by catastrophic floods one year, fires seemingly the next. Lives, homes and businesses are swallowed up by churning brown water or burnt beyond a crisp. The media descends. We hear the same questions on a loop: “Why do people still build here?” and “Why do businesses still stay here?” and inevitably, “Don’t they know it’s a flood zone?’”
But they always miss the real question, the one that truly matters: What happens when you become uninsurable?
