Sapience Financial

10/07/2026

Here's why applying for personal insurance cover early, is one of the most important financial decisions you can make.
But the question is … just how early is early enough and why?

https://sapience.com.au/blog/the-clock-is-ticking-why-your-diagnosis-date-matters-for-type-1-diabetes-and-insurance

27/06/2026

Australia's Love Story is a Property One

If you’re a direct property investor trying to build a secure financial foundation, the recent changes to negative gearing, capital gains tax, and superannuation might feel like a personal tap on the shoulder from the taxman.

A practical look at property investing, policy changes and why a calm, informed strategy can help you avoid rushed decisions and protect wealth.

12/06/2026

Warning: This is the blog post you don't want your Offshore VA to read.

In the world of Australian small business, over the last 10 years you'd have to be hiding under a rock not to have heard someone talking about the advantages of employing an offshore virtual assistant, for less than a cup of coffee a day and how this highly qualified person can take over many of your day to day business admin tasks.

https://sapience.com.au/blog/pascua-outsourcing-risk

08/06/2026

The Real Housewives of Small Business: The Unscripted Liabilities Tearing Local Small Business Empires Apart.

Behind the gleaming lifestyle assets, the shiny new family SUVs, the custom-wrapped work utes, and the hard-earned business success of Australia’s top suburban enterprises (ok we know them as small businesses) lies a brutal reality.

Introducing The Real Housewives of Small Business.

We’re going to show you exactly where the vulnerabilities lie, how the courts actually see these structural failures, how trade suppliers don't always tell you the truth, the whole truth and nothing but the truth! And of course we’ll then show you how the girls begin to build an ironclad defensive wall around their own families, and their shared businesses before the next crisis forces their hand.

19/04/2026

Do you have a favourite blog but sometimes find it hard following a particular topic?

Sapience has recently updated its blog article navigation framework so all our 300+ Personal Financial & Small Business articles can be browsed through seven specialist catagories. Enjoy the view.

Explore the Sapience Insights: A curated library of the Practical Eight sovereign pillars. From Evolutionary Finance and Small Business Risk to Modern Estate Planning and Social Leadership, discover specialist advice designed for modern families and small

06/04/2026

The Predator on the Couch and Why the Government's 10-Year Elder Abuse Plan is a Decade Too Late
(FYI: Elder Abuse is Everybody's Business)

It's another uniquely Australian ritual: to assume the worst only happens to someone else. We watch the evening news, see a story about a family home being stolen from an older person, and think, 'That would never happen in our family.'

But here’s the uncomfortable truth: you don't need a stranger to steal your foundation. Sometimes, the threat is sitting right there on the couch, drinking your tea.

A critique of Australia's 10-year elder abuse plan urging a 2026 mandate for prevention, national registers, forensic screening and anti-grooming measures.