---
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=72"
date: "2026-06-24T17:38:50+00:00"
language: "en-GB"
---

[ ![unhappy women tears apart a past photo of her and her partner smiling](https://sapience.com.au/images/blog/intro-what-happens-to-your-super-in-a-relationship-breakdown.jpg) ](https://sapience.com.au/blog/what-happens-to-your-super-in-a-relationship-breakdown "What happens to your Super in a relationship breakdown?") ##  [ What happens to your Super in a relationship breakdown? ](https://sapience.com.au/blog/what-happens-to-your-super-in-a-relationship-breakdown)

---

### If your relationship has run its course and you're heading for a split, so might your Super too

With Superannuation becoming an increasingly significant asset in the property pool for separating Australian couples, superannuation splitting laws now allow super to be treated like property and divided when a relationship breaks down.

The Australian Family Law Act now recognises Super assets held by a couple as part of the family assets, and as such super can now, be split and divided between the separating parties, (including defacto spouses) as part of a Family Law Court property settlement in three different ways.

- [ SMSF ](https://sapience.com.au/smsf)
- [ defactos ](https://sapience.com.au/all-tags/defactos)
- [ relationship breakdown ](https://sapience.com.au/all-tags/relationship-breakdown)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/what-happens-to-your-super-in-a-relationship-breakdown)

  [ ![exit and escape tiles from a game of scrabble](https://sapience.com.au/images/blog/intro-the-difference-between-small-business-exit-succession-planning-sapience-financial.jpg) ](https://sapience.com.au/blog/the-difference-between-small-business-exit-and-small-business-succession-planning "The Difference between Small Business Exit plans & Small Business Succession planning") ##  [ The Difference between Small Business Exit plans & Small Business Succession planning ](https://sapience.com.au/blog/the-difference-between-small-business-exit-and-small-business-succession-planning)

---

### Is there a big difference between Small Business Exit plans, and Succession Planning?

Absolutely!

***But first, a Personal Note from Drew Browne***

When I was first starting out as a new small business owner, it seemed I was forever needing to fend off salespeople who would tell me that their latest sales product, was an *essential requirement* above all others, for my new small business.

When it came to *Succession Planning for Business,* I recall a high-pressure salesman feeling very proud of himself when he insisted, "...before you even start a business, you need to have your succession plan in place first to exit the business.

'I still cringe whenever I hear the words, 'succession planning', uttered'.

- [ managing small business risks ](https://sapience.com.au/all-tags/managing-small-business-risks)
- [ company power of attorney ](https://sapience.com.au/all-tags/company-power-of-attorney)
- [ Fixed Business Expenses ](https://sapience.com.au/fixed-business-expenses)
- [ succession planning for small business ](https://sapience.com.au/all-tags/succession-planning-for-small-business)
- [ Business Risk Transfer Plan ](https://sapience.com.au/all-tags/business-risk-transfer-plan)
- [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)

 [ Read more … ](https://sapience.com.au/blog/the-difference-between-small-business-exit-and-small-business-succession-planning)

  [ ![smiling proud business owner standing near an open door with the sign, open for business](https://sapience.com.au/images/blog/intro-whats-the-backup-plan-when-the-business-stalls-but-the-overhead-costs-keep-coming-sapience-financial.jpg) ](https://sapience.com.au/blog/whats-the-backup-plan-when-the-business-stalls-but-the-overhead-costs-keep-coming "What's the backup plan when the business stalls but the Overhead Costs keep coming?") ##  [ What's the backup plan when the business stalls but the Overhead Costs keep coming? ](https://sapience.com.au/blog/whats-the-backup-plan-when-the-business-stalls-but-the-overhead-costs-keep-coming)

---

### There is a cost to Staying Open For Business, and that's a core risk to manage.

The Global Financial Crisis (GFC), the more recent COVID-19 Global Pandemic, and now inflation and rates heading north of 8%, have brought many things into the front of small business minds.

In response to financial crisis events, many business owners (and their families) had to find new ways to cut costs, deliver greater value and reduce margins and overheads, in response to tightening credit, slowing business spending, the growing inconsistent cashflow and the near runaway state of inflation, of the economy.

- [ income protection ](https://sapience.com.au/all-tags/income-protection)
- [ managing small business risks ](https://sapience.com.au/all-tags/managing-small-business-risks)
- [ Fixed Business Expenses ](https://sapience.com.au/fixed-business-expenses)
- [ income protection for business ](https://sapience.com.au/all-tags/income-protection-for-business)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)
- [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)

 [ Read more … ](https://sapience.com.au/blog/whats-the-backup-plan-when-the-business-stalls-but-the-overhead-costs-keep-coming)

  [ ![smiling and affectionate older couple in spring time](https://sapience.com.au/images/blog/intro-who-can-make-decisions-for-you-when-you-have-dementia-sapience-financial.jpg) ](https://sapience.com.au/blog/who-can-make-decisions-for-you-when-you-are-living-with-dementia-or-a-brain-injury "Who can make decisions for you when you're living with Dementia or a brain injury?") ##  [ Who can make decisions for you when you're living with Dementia or a brain injury? ](https://sapience.com.au/blog/who-can-make-decisions-for-you-when-you-are-living-with-dementia-or-a-brain-injury)

---

### Dementia and Head Traumas are becoming a more common part of Australian life

So what happens if you lose the mental capacity to make your own medical decisions?

Who is legally empowered to make those on your behalf, and what happens if you haven't got the required legal documents in place should that occur?

Thankfully there is a process where you can decide ahead of time who you want to make significant medical decisions for you, should that ever need to occur.

> But like all important decisions, you need to make them well before you need them.

- [ power of attorney ](https://sapience.com.au/all-tags/power-of-attorney)
- [ supporting elderly parents ](https://sapience.com.au/all-tags/supporting-elderly-parents)
- [ case studies ](https://sapience.com.au/all-tags/case-studies)
- [ enduring power of guardianship ](https://sapience.com.au/all-tags/enduring-power-of-guardianship)
- [ Crisis and Trauma Recovery Insurance ](https://sapience.com.au/all-tags/crisis-and-trauma-recovery-insurance)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://sapience.com.au/blog/who-can-make-decisions-for-you-when-you-are-living-with-dementia-or-a-brain-injury)

1. [ What's the backup plan for you, if your business partner died tonight?](https://sapience.com.au/blog/what-is-the-backup-plan-for-you-if-your-business-partner-died-tonight)
2. [ Getting more money into your super when selling your family home](https://sapience.com.au/blog/getting-more-money-into-your-super-when-selling-your-family-home)
3. [ The Average Lifetime Cost of Care for the Top Five Major Health Conditions](https://sapience.com.au/blog/the-average-lifetime-cost-of-care-for-the-top-five-major-health-conditions)
4. [ New National Secure Document Storage Service](https://sapience.com.au/blog/new-national-secure-document-storage-service)
5. [ The Curse of a Post Office Will Kit](https://sapience.com.au/blog/the-curse-of-a-post-office-will-kit)
6. [ When to arrange Intended Parent and IVF Surrogate Life Insurances chart](https://sapience.com.au/blog/when-to-arrange-intended-parent-and-ivf-surrogate-life-insurances-chart)
7. [ Is it time to upgrade how you see Retirement?](https://sapience.com.au/blog/is-it-time-to-upgrade-how-you-see-retirement)

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

 Page 19 of 73

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