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.

Published in Blog

The hidden victims of our road toll

We all read about the terrible road tolls that affect our modern life.

Every day the same stark reality of yet another death on the roads tempts us to look away, forcing advertising agencies to use increasingly violent images to get our attention.

But today with modern technologies and advances in trauma medicine, more people now survive car accidents. The cost of surviving can be devastating to the survivor and their family in both personal and financial ways.

Published in Blog

The question every blended family wants answered is often

Does a child in a blended family lose their rights to an inheritance if their step-parent dies?

A Contractual Will Agreement might provide the answer to this difficult question.

Many blended Australian families wanting greater certainty in their estate planning choose to make a mirror Will with their spouse - effectively leaving everything to each other.

Published in Blog

Severity based insurance (SBI) is a more comprehensive high-grade alternative to the traditional 'all or nothing approach' to Crisis/Trauma and Income Protection insurance.

How is it different to traditional Crisis/Trauma and Income Protection insurance policies?

Published in Blog
Speciality Insights: 8 minute read

A new disturbing risk to business is the evolving financial effects of prostate cancer surgery and its unpredictable effect upon ongoing cognitive ability

Many Business Owners and Business Investors have begun using the same solution to reduce their exposure to this risk.

Experiencing prostate cancer has a significant impact upon a man's personal, work and family life. The sobering fact is 1 man dies every 3 hours from prostate cancer in Australia.

Published in Blog

Additional & Special Needs ProtectionWhat happens when the one you’re caring for, outlives you?

The #1 question of parents and siblings with a special or additional needs child or sibling is usually:

Who will look after them when we’re not there?
Published in Blog

Why you can’t leave your superannuation to your parents, even if you wanted to

Most people have some form of superannuation and it’s not long until the question gets asked, 'Who gets my Super if I die?'

Published in Blog

Understanding Modern Estate Planning for Modern Families

Finally Sorted is the estate planning division of Sapience Financial specialising.

For most of our risk insurance clients, getting their Estate Planning sorted is a natural next step so they can then cross-reference those important details into their estate plan documents too.

Video Transcript

00:00 - 03:52

Driving a car is probably a big part of your life right?

It doesn't take long before we've all seen a few close calls, or maybe even an accident. 

Nobody plans to be in an accident they're just a part of modern life in cars, so keeping our family as safe as possible on the roads is important to all of us.

Thankfully, today's cars have a range of safety features installed.  Modern cars even have multiple airbags ready to protect its occupants in case of a serious accident.

Now while you might not see them, knowing they're there in case of emergency, helps you feel safe, so you're free to enjoy the drive.

Well, just like safe driving, in our personal lives we all have to plan ahead to prevent problems.

These days modern life brings new problems that usually can only be solved with modern day solutions.

Modern Estate Planning is like the safety bags in your car, but for your life.

Published in Videos

Every day in Australia, 31 families lose their primary (or equal) income earner

It's time for a family reality check - by the numbers.

Published in Blog
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.

Published in Blog

Modern Estate Planning is about a workable plan—not a 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?

Published in Blog
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