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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.
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.
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'.
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.
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.
- What's the backup plan for you, if your business partner died tonight?
- Getting more money into your super when selling your family home
- The Average Lifetime Cost of Care for the Top Five Major Health Conditions
- New National Secure Document Storage Service
- The Curse of a Post Office Will Kit
- When to arrange Intended Parent and IVF Surrogate Life Insurances chart
- Is it time to upgrade how you see Retirement?
