Blog
Welcome to our Personal Finance Blog
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.
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.
At Sapience, we're all about The How.

Many people ask us what can they do to accelerate their personal wealth and how to get better at life faster.
This leads to the same conversation about concerns for their kids and how they will need to face more complex issues than the generation before them.

For the majority of small business owners, the bulk of their wealth is often locked up in their business.
The business generates their income to pay the rent, pay the mortgage or even the wealth to build the investment portfolio for retirement.
A business owner's ability to actually retire is usually directly linked to the success and stability of their business and their own ability to continue to earn an income.
But what happens to your business debts (and even family debts) when a person unexpectedly passes away?

New regulations will soon change the way accountants talk about a Self Managed Superannuation Funds (SMSF)
When it comes to giving advice about SMSF's, most accountants previously provided advice under an accountant's exemption from having to be a licenced financial adviser. As of 1 July 2016, that’s about to change.

Professional people managing their own chronic health conditions need their own life insurance adviser
Many people in professional business use life insurance products but ... what do you do when your business partner tells you 'the business needs to get life insurance in place to cover the business debts', but doesn't know you've been diagnosed with diabetes?

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)

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®.
- Australia’s Coolest Business Cards
- Why every parent needs a Plan B for the future
- 7 Quick questions about your estate plan
- Co-Owners and the new way to buy property and help your kids
- Common mistakes with Employer Super Obligations
- SMSF and Liquidity Risks
- Life is complicated without the instructions