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At Sapience Financial, much of our advice involves helping people learn new skills and insights.
- We have a range of individually hand-crafted Financial 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.
So your adult children think they automatically stand to inherit your super if you pass away? It's time to think again.
Many people think their super automatically goes to their loved ones tax-free when they pass away; but it’s not that simple.
Superannuation laws in Australia are often more restrictive than most people realise. Family members who are no longer financially dependent on you may even be forced to pay tax on any super monies they receive.
Have you ever wondered how many times you can claim on a personal insurance policy?
When you take out a personal insurance policy through Sapience Financial, whether it's to protect your life, your income, or a serious illness – you're doing so with the peace of mind it will be there for you if you need to make a claim.
But have you ever wondered what happens after a claim is paid? Does your policy simply vanish, or can it continue to offer protection?
Getting Life insurance while living with Sleep Apnea
Sleep Apnea is a condition where your breathing stops and starts while you sleep. In Australia, an estimated 5% of the population has sleep apnoea, translating into approximately 1 in 20 Australians being affected.
While sleep apnea isn't usually classed as a life-threatening condition, it’s seen as a pre-existing health condition and so requires some additional information when you're applying for life insurance or disability insurance, so the underwriter can better understand what you're living with.
Some decisions should never be left to chance (because you may not survive the outcome)
In Australia, the ability to make your own medical decisions is referred to as your 'decision-making capacity.' And when you have it, you probably don't think about it much. But when a person loses their decision making capacity (eg: due to a temporary illness, surgery, motor vehicle or workplace accident, or a more permanent cognitive decline), someone else needs to step in to make those medical decisions on a person's behalf.
The good news is you can appoint your own Person Responsible with legal authority to consent to (or even refuse) medical treatment on your behalf. But here is the problem; you need to have this legal document in place ahead of time, before you need it.
- Surgery Prep? The Financial & Estate Planning Checklist You Need To Know
- Can your Mistress (or Gay Lover) claim an inheritance from your estate?
- Living with MS? Exploring Your Life Insurance Possibilities
- Federal Budget Summary 2025-26
- Owning Overseas Assets and making an Australian Will document
- Gifts, Loans and Debt Forgiveness
- Tips for Applying for Life Insurance when using Cannabis Oil
