This document is used by our insurance clients to enable us to take over an existing (usually abandoned) insurance policy to manage for them.
This document can be used to start your thinking about financial goals - small, medium and large - and how to see them in a timeline and saving timeline. It's a great way to begin to create a habit of writing goals down and displaying them in a regular place like the fridge.
A financial guide specifically designed for the LGBTI community
So in support of Marriage Equality and a fair go for everyone, we wrote a free eGuide to help make your life a little more fabulous.
This document is used by our insurance clients to help check their ongoing fixed business expenses for Business Expenses insurance purposes.
SMSF (Self Managed Superannuation Fund) trustees have strict requirements to monitor and assess the liquidity of the SMSF for the benefit of its members.
This document is used by our insurance clients to prepare for a life insurance application over the phone or by Skype remotely.
This year’s Budget has an emphasis on retirement planning and contains several important considerations which may affect both retirees and pre-retirees, explored further below.
Because Love Makes a Family.
The majority of financial decisions involve our relationships, our family, (biological or logical) friends and people we protect and provide for.
Whether you're thinking about life insurance, deciding upon beneficiaries for your superannuation, getting your emergency support and estate planning documents sorted, use our gender neutral family tree to help map out your bigger picture, your connections and those you protect and provide for.
You're never going to create wealth until you can learn to better budget your money.
The power's in the percentage and not just the amounts of money involved.
We all have risks in life and business to manage. The big ones, are best transferred away from your family (and your business) and onto an insurance company to carry for you.
Young families and small businesses are often their most vulnerable in the early years and need additional protection and support until they have sufficient assets and emergency savings behind them.
Small businesses usually develop products and services that solve the meaningful problems of their market. As we move further into the digital age the productisation of services is becoming an increasingly interesting frontline. If you're in this business space you may find this conversation starter helpful.
Here's our document checklist and family budget template outlining the necessary supporting paperwork you'll need to apply for a home loan (and the general reasons why).
The more you get to understand the process and how it will affect you financially, the more confidence you'll have in your financial decisions.
When you're dealing with larger companies or engaging with Government contracts, supply chain risk is at the front of their considerations.
We've been working with Australian Small Business owners and families for over 18 years and believe that we all benefit from a Clearer Look at The Bigger Picture.
Our free Australian Consumer Guide to 7 Myths About Modern Estate Planning will help you prepare for a meeting with our Senior Estate Adviser (or just give you some powerful and helpful insights to share at your next BBQ with friends).
Examining the statistical realities the death of a parent has on a child, and what you can do to reduce the risks.
We believe by having realistic conversations and planning for the unexpected, Australian parents can have greater certainty about the future security of their families.
Key person protection and insurance strategies have different tax treatment depending on a number of factors including the intent of the insurance cover
If your current risk adviser hasn't carefully explained this, (*gasp*) maybe you need to be working with an adviser like Sapience who helps you manage these important details better.
Here's a collection of short blog articles for small business from the Smallville Business Community to help kickstart your thinking.
You're never too old to learn some new money skills and share them with the ones you love
Each day links to relevant blog articles, downloadable resources and the occasional helpful checklist.
Business Partnerships are usually run by friends and colleagues that have very specific risks that need safeguarding — so the business risks don't become family risks.
We believe protecting your business is an important part of protecting your family.
Here's a downloadable excel spreadsheet using the 50-30-20 percentage based budget system that many clients rave about.
If you'd like a Google Sheets version of the spreadsheet, click here and save a copy to your own Google Docs account.