When it comes to romance and relationships, the emotional decision about who you think is your partner, may be very different to the legal decision about who is legally considered your de facto partner.
The questions about who may be a boyfriend or girlfriend and who is a de facto become important distinctions when it comes to super payouts, life insurance payouts and family law claims on your finances, investments and property interests.
Australians are not new to facing risks to manage. Communities who live in areas of risk have bushfire plans, flood plans and even snow closure emergency plans.
Welcome to a new year (and a new decade). Remember old habits don't usually take us to new places.
Hopefully this the year you’ve decided to set some family goals and get a little more proactive on achieving some saving goals. One of the challenges of a busy life can be we keep our ideas and hopes about our personal money goals locked in our head, rather than writing them down where we can see them, talk about them and maybe even ask about our progress to achieve them.
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 specialty Financial Advice and Insurance Advice through our Trauma Informed methodology.
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.