Nobody understands the impact of trauma, stigma or discrimination better than the person experiencing it.Drew Browne
Sapience Financial and Investment Services is the first Trauma Informed Organisation providing speciality Financial Advice and Insurance Advice.
This is what that means for you and your family.
As a kid, I clearly remember the repeated warning about the dangers of running with scissors.
What I didn't hear was the dangers of running off with a credit card, and I wonder which one has caused me more damage in my life so far?
Can you relate?
I must confess it was a childhood experience that led me astray and taught me the 7 early financial lessons of the schoolyard.
Your superannuation is your forced savings for your retirement, so it’s important to understand these two key features:
Thankfully, an annual assessment run by the ASFA can help you start your thinking about what you want to achieve in your retirement.
Then we can help you get there.
If you plan on leaving your superannuation to your now adult kids when you pass away, there's a strong possibility your super death benefit payout will be hit with tax.
While this is a very complicated task (and perhaps the stuff of urban legend) it's worth setting the story straight; so you know where you stand with your super.
So here are six keys to start your thinking.
This is the tough question thousands of Australian’s are suddenly forced to answer when they, their child or a member of their extended family is suddenly faced with the reality of a serious medical condition or injury - and the enormity of the out of pocket expenses it can bring.
Australia – as the saying goes – is a ‘lucky country’.
Our standard of living, our climate, and our health care and social security systems are often enviable when compared with international comparisons.
That's meant that for many of us, the ‘she’ll be right’ approach to life in Australia has left us exposed to the harsh realities that life doesn't always work out the way we expect.
Living a long and healthy life can become surprisingly expensive.