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30 Business owners speak out about the importance of talking more about money with children

 

In 2016 I surveyed over 300 small business owners in Australian about what were the conversions about money they wish they’d had with their parents — but didn't.

Managing the emotional cost of big financial decisions

When I was a child, if I was good my Aunt would give me half a Mars Bar (the original 54 grams chocolate and caramel nougat snack that promised ‘Pleasure you can't measure’). If I was still good a month later, I’d get the other (slightly dehydrated) half. Even today, the thought of eating an entire Mars Bar myself, makes me feel uncomfortably indulgent.

The very Australian problem of underinsurance

When a 'she'll be right' attitude puts your family at risk

You don’t have to look far to find a story in the media about Australia’s underinsurance problem.  It seems every bushfire season the same media reports another near identical tragedy of families losing everything and being underinsured or worse, not insured at all.

Estate Planning Quick Tips

What can be written in a Letter of Wishes?

Our Modern Estate Planning services is called Finally SortedA Letter of Wishes is part of your family backup plan documents and its purpose is to provide general guidance to the Executor or Trustee of a person’s estate following their death.

Love insurance

2017-02-13

Valentine’s Day means different things to different people

But ultimately it's about Love

There are many ways to own property with other people

Different ownership structures bring different rights and responsibilities so it makes sense to understand the basics.

When a single property is owned by more than one person (or company) it can be owned either as;

  • joint tenants or
  • tenants in common

Understanding how to use an offset account can help you pay off your home loan faster

Your home loan is probably the biggest financial commitment you'll make in your lifetime. So what if there was a way to reduce the amount it costs – the interest you pay – and also pay it off sooner?

Some things in life that affect us all equally—regardless of who we are.

These things aren't personal - they're actually just statistical. These numbers and what they warn us about are the same for everyone without discrimination.

We call them The Numbers of Life

Making a more conscious choice about where you spend your money?

You're probably part of todays conscious consumer movement (and the brands they choose to love)

Life insurance 101: Start here

You work hard for what you have and who you love—protect what you cannot afford to loose.

A life insurance policy is a contract with an insurance company that promises to provide your beneficiaries with a certain amount of money upon your death. In return, you make regular payments, called premiums.

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Drew Browne

Sapience Founder & Director.
Simplifying Financial Complexity

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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...
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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.
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