Search Articles from our Blog By Month
At Sapience Financial, much of our advice involves helping people learn new skills and insights.
- We have a range of individually hand-crafted Blog Articles relevant to our client's needs and lives.
- We also have separate more in-depth Key Articles to help you understand some of the practical details of our specialty products and services in greater depth, specific to the needs of many of our small business clients, friends, and supporters.
Use the blue site Search Button at the top right corner of our site. And if you really want to drill down through our data for something very specific, you can also search by Article Tag here. Alternatively, if you're looking for something in particular, just get in contact here.
Below you can search our archive of Blog Articles by title or date published.
Life Insurances are important financial tools that help us manage the inevitable ups and downs of life, love and business. They're an easy cost-effective way to safeguard our unpredictable futures, just in case.
But many people leave it too late to prepare for the unexpected and get their insurances in place, many suddenly finding themselves Uninsurable.
So when might it be too late to get insurance?
Quick Federal Budget Summary for 2023-2024
The 2023-24 Federal Budget has a number of highlights relevant to many of our clients, friends, and supporters explored further below.
Few things are more disturbing to a business owner than the risk of being caught in business, with their former partner's spouse
Any relationship involving more than one person is complicated.
- Add a business relationship with other people – whether your spouse, other family members, or a non-family member, and any relationship breakdown involving these stakeholders will no doubt affect the business too.
- Add shared ownership of a profitable business with another person – and you have the perfect storm waiting for you in the future if you don't take action today.
The answer is in creating a simple legal document called, a Buy- Sell Agreement (BSA) and this is why.
Are you a business owner (or the significant other of a business owner)?
Most business owners are optimistic folks who look forward to a bright future, even under adversity. I suppose they need to have this remarkable ability given the risks they take and the challenges they face.
That said, we have found there are 5 Key risks that all business owners need to be aware of and take action on to protect themselves and their families, from their business.
This simple concept, is often quickly dismissed with the question, 'Why would I ever need to protect myself from my business?"
If you don't know the answer to this question, you definitely need to read this article.
- How to Split an Unsplittable Inheritance
- What happens to your Super in a relationship breakdown?
- The Difference between Small Business Exit plans & Small Business Succession planning
- What's the backup plan when the business stalls but the Overhead Costs keep coming?
- Who can make decisions for you when you're living with Dementia or a brain injury?
- What's the backup plan for you, if your business partner died tonight?
- Getting more money into your super when selling your family home
