Search Articles from our Finance 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 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.
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?
What do you legally need to do when you end a de facto relationship?
Have you found yourself single again? Have you recently ended a de facto relationship and are wondering, 'Well, what next?" Love, Life and Business are complicated (and often interconnected), so the process of 'decoupling' can take a while.
Navigating the aftermath of a de facto separation is one of life's most challenging experiences. For most folks who have never formally registered their de facto relationship status, this means there is also no form to complete, to 'unregister your relationship,' informing the world of your change in relationship status.
The #1 Thing You Must Have in Your Will to Protect Your Kids' Inheritance
It's an uncomfortable part of life to think about - the growing risk of future personal Bankruptcy — affecting one of your family members — a future beneficiary in your Will. In our an increasingly interconnected financial world, bankruptcy is often triggered by factors outside an individual's control. People in business can find themselves caught up in a surprise sequence of falling dominoes that simple overwhelmed them and bankruptcy is the only commercial way out.
And while this is not something you expect for a family member, it's certainly something you can plan for, just in case, so a surprise bankruptcy does not erode their future inheritance.
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.
- How many times you can claim on a personal insurance policy?
- Getting Life and Disability Insurance when you're living with Sleep Apnea
- How to Appoint your Own Medical Decision Maker - your Person Responsible
- 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
