---
title: "Search Blog by Month - Sapience Financial"
description: "search our Sapience Financial archive of Blog Articles by month written"
url: "https://sapience.com.au/resources/search-blog-articles-by-month?layout=blog&start=28"
date: "2026-06-24T10:09:39+00:00"
language: "en-GB"
---

[ ![Aunt Edgar's most recent mulberry wine exploits](https://sapience.com.au/images/blog/intro-forget-the-will-for-a-moment-lets-talk-about-who-makes-decisions-when-you-cant-sapience-financial.jpg) ](https://sapience.com.au/blog/forget-the-will-for-a-moment-lets-talk-about-who-makes-decisions-when-you-cant "Forget the Will for a Moment. Let's Talk About Who Makes Decisions When You Can't") ##  [ Forget the Will for a Moment. Let's Talk About Who Makes Decisions When You Can't ](https://sapience.com.au/blog/forget-the-will-for-a-moment-lets-talk-about-who-makes-decisions-when-you-cant)

---

### A Practical Guide to Your Power of Attorney and Enduring Guardianship documents in Australia

You’d think appointing someone to make legal decisions for you in case of a future emergency, would be simple. In Australia, you’d be wrong. What’s called an ‘Enduring Guardianship’ document (EPOG) in Sydney requires a completely different document in Melbourne or an ‘Advance Care Directive’ in Adelaide - each with its own strict and unique witnessing requirements.

- [ family health & safety ](https://sapience.com.au/all-tags/family-health-safety)
- [ inheritance management ](https://sapience.com.au/all-tags/inheritance-management)
- [ enduring power of guardianship ](https://sapience.com.au/all-tags/enduring-power-of-guardianship)
- [ modern estate planning ](https://sapience.com.au/all-tags/modern-estate-planning)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)

 [ Read more … ](https://sapience.com.au/blog/forget-the-will-for-a-moment-lets-talk-about-who-makes-decisions-when-you-cant)

  [ ![a happy young lady in a dress playing on a tightrope in the part supported by her partner](https://sapience.com.au/images/blog/intro-the-double-income-tightrope-what-is-your-backup-plan-for-the-mortgage-sapience-financial.jpg.jpg) ](https://sapience.com.au/blog/the-double-income-tightrope-what-is-your-backup-plan-for-the-mortgage "The Double-Income Tightrope: What's Your Plan B for the Mortgage?") ##  [ The Double-Income Tightrope: What's Your Plan B for the Mortgage? ](https://sapience.com.au/blog/the-double-income-tightrope-what-is-your-backup-plan-for-the-mortgage)

---

### The Plan Your Spouse Thinks You Already Have

If your Mortgage Repayments rely on two incomes, what happens when one income is gone?

As a risk insurance specialist, I see all too often hard working Australian families, who seemingly have doing everything right - juggling two incomes, a home to call their own, yet they're walking a financial tightrope daily that they see as simply, the 'new normal' and feeling powerless to protect themselves from it's very real risks.

- [ life insurance ](https://sapience.com.au/life-insurance/life-terminal-illness-insurance)
- [ income protection ](https://sapience.com.au/all-tags/income-protection)
- [ total & permanent disability (TPD) ](https://sapience.com.au/all-tags/total-permanent-disability-tpd)
- [ managing the mortgage ](https://sapience.com.au/all-tags/managing-the-mortgage)
- [ family protection ](https://sapience.com.au/all-tags/family-protection)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://sapience.com.au/blog/the-double-income-tightrope-what-is-your-backup-plan-for-the-mortgage)

  [ ![collection of seemingly identical plastic barbie dolls in silver jump suits](https://sapience.com.au/images/blog/intro-AI-and-the-future-of-financial-advice-sapience-financial.jpg) ](https://sapience.com.au/blog/ai-and-the-future-of-professional-advice "AI and the Future of Professional Advice") ##  [ AI and the Future of Professional Advice ](https://sapience.com.au/blog/ai-and-the-future-of-professional-advice)

---

### Why Frank Sinatra Was Wrong About 'My Way' (And Your Money)

There comes a time in everyone's life and business when they need to consider, 'Can they safely DIY or should they seek and take advice?' You see this in remnants of the self-made-man ideology where people are supposed to be inspired by the 'feigned rugged individualism'. So the ledgend goes, such folks in life and business never seemed to need anybody's support, guidance, encouragement and counsel; and ultimately triumph - as sung by the now seemingly immortal words of singer Frank Sinatra, '**I did it my way.**' \*

- [ managing small business risks ](https://sapience.com.au/all-tags/managing-small-business-risks)
- [ money talk ](https://sapience.com.au/all-tags/money-talk)
- [ family protection ](https://sapience.com.au/all-tags/family-protection)
- [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)
- [ 🌍 Social Leadership & Conscious Business ](https://sapience.com.au/insights/social-leadership-conscious-business)

 [ Read more … ](https://sapience.com.au/blog/ai-and-the-future-of-professional-advice)

  [ ![elder man and woman sitting on sand wearing wetsuits while having a conversation](https://sapience.com.au/images/blog/intro-beyond-the-diagnosis-chronic-illness-and-life-insurance-policies-you-can-no-longer-afford-sapience-financial.jpg) ](https://sapience.com.au/blog/beyond-the-diagnosis-chronic-illness-and-life-insurance-policies-you-can-no-longer-afford "Beyond the Diagnosis: Chronic illness and life insurance policies you can no longer afford") ##  [ Beyond the Diagnosis: Chronic illness and life insurance policies you can no longer afford ](https://sapience.com.au/blog/beyond-the-diagnosis-chronic-illness-and-life-insurance-policies-you-can-no-longer-afford)

---

### The Unwritten Chapter: Options for Your Life Insurance Policy when you're living with a really, long term life threatening illness

When you're diagnosed with a chronic illness, your world shifts. Amid the emotional upheaval and the unexpected costs of budgeting for the costs of the new medical realities, the last thing you need is another source of stress. But for some, that's what their life insurance policy becomes: a monthly bill you wonder should you continue to pay, in a future that's now less predictable?

- [ chronic health conditions ](https://sapience.com.au/all-tags/chronic-health-conditions)
- [ insurance claims ](https://sapience.com.au/insurance-claims)
- [ Life insurance policy co-ownership ](https://sapience.com.au/all-tags/life-insurance-policy-co-ownership)
- [ terminal illness ](https://sapience.com.au/all-tags/terminal-illness)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://sapience.com.au/blog/beyond-the-diagnosis-chronic-illness-and-life-insurance-policies-you-can-no-longer-afford)

1. [ Ending a De Facto Relationship in NSW: The Checklist you Need](https://sapience.com.au/blog/ending-a-de-facto-relationship-in-nsw-checklist)
2. [ Protecting Inheritances: The Bankruptcy Trust in a Protective Will Explained](https://sapience.com.au/blog/protecting-inheritances-the-bankruptcy-trust-in-a-protective-will-explained)
3. [ Protecting Inheritances: The Superannuation Proceeds Trust in a Protective Will Explained](https://sapience.com.au/blog/protecting-inheritances-the-superannuation-proceeds-trust-in-a-protective-will-explained)
4. [ How many times you can claim on a personal insurance policy?](https://sapience.com.au/blog/how-many-times-you-can-claim-on-a-personal-insurance-policy)
5. [ Getting Life and Disability Insurance when you're living with Sleep Apnea](https://sapience.com.au/blog/getting-life-and-disability-insurance-when-youre-living-with-sleep-apnea)
6. [ How to Appoint your Own Medical Decision Maker - your Person Responsible](https://sapience.com.au/blog/how-to-appoint-your-own-medical-decision-maker-your-person-responsible)
7. [ Surgery Prep? The Financial & Estate Planning Checklist You Need To Know](https://sapience.com.au/blog/surgery-prep-the-financial-estate-planning-checklist-you-need-to-know)

### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business)

 Page 8 of 73

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