Sapience Financial

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.

22/03/2026

It's time to begin to Call Out the Behaviours that can lead towards Elder Abuse. (Yep we went there) and so has the National Plan to End the Abuse and Mistreatment of Older People 2026-2036.

"Moreover, chronically asking for money with no intent to repay is a sad indicator of pre-elder abuse. If unmanaged, this behavior tests financial boundaries and often leads directly to coercive and emotional control."

Defines Pre-Elder Abuse and spotlights gateway behaviours like financial grooming and inheritance impatience, offering clear boundary setting and documentation advice for families.

22/03/2026

With the long awaited release of the government report on 'The Draft National Plan to End the Abuse and Mistreatment of Older People 2024-2034' it's time to rethink parenting, adult children and behaviours that can metastasize like a skin cancer, without you knowing. Start here ...

Odds are somewhere in your family tree or circle of friends there's someone you care about who's not good with their money, and still somehow afford UberEATS.

13/03/2026

Are you one of the 100,000+ people waiting for Australian Permanent Residency to be granted?

You have found the house, the job, and the perfect local cafe, but until that permanent residency email finally arrives, your financial security might be sitting in a departure lounge with its bags packed.

Uncover how Australian life insurance supports new migrants with exclusive benefits, safeguarding income during the wait for permanent residency.

20/02/2026

Don't Let a Great Partnership End in a Bad Divorce.

Starting a business with a partner is a lot like marriage. In the beginning, there is plenty of 'romance' - the shared vision, the complementary skills, the excitement of pooling resources, and the comfort of knowing someone else is in the foxhole with you. You’re building something together, and the upside is massive.

Practical steps on triggers, pricing, process and funding of buy-sell agreements, with advice on insurance ownership, tax and reviewing cover as business value changes.

13/02/2026

Why your survival instincts are consistently outrunning your financial intelligence.

Have you ever sat down to look at your life insurance renewal or collect the details to make your Will, only to find yourself suddenly checking your phone, sending a quick txt or making a coffee two minutes later? You probably told yourself you were just procrastinating or that you weren't 'in the right headspace', yet.

Here's the sobering truth about this avoidance pattern: You aren't lazy. You're just being outrun by your own biology.

https://sapience.com.au/blog/the-0-08-second-glitch-why-your-brain-is-faster-than-your-bank-account

01/01/2026

Have you heard of Kintsugi (金継ぎ); meaning "golden joinery," is the Japanese art of repairing broken pottery with gold to highlight its cracks, not hide them?

"Hi, I’m Drew Browne. By day, I’m a Senior Specialist Financial Adviser at Sapience Financial, but this project is something personal.

I’m researching the real-world fallout of dying without a Will (technically called ‘intestacy’). I want to understand what the last 25 years have really looked like for Australian families left to pick up the pieces. I’m inviting you to share your story anonymously, so we can learn from the past to help protect families in the future."

Would you like to know more?

Explore the No Will Research Project as it turns real experiences of intestacy into a supportive guide for Australian families facing unplanned loss.

28/12/2025

The Art of Productive Panic
(Or: Why Your Tupperware Drawer is Suddenly Immaculate)

It's that strange time of year. The relatives have gone home. The ham is finally finished. And you are standing in your kitchen at 11 am, staring at the floor.

You have mopped and vacuumed it three times. You have scrubbed the grout. If a forensic team from a crime lab swept your lounge room right now, they wouldn’t be able to prove you even owned a dog.

Uncover the hidden psychology behind obsessive tidying up, where mundane tasks can mask our drive to manage life's unpredictable challenges and crucial decisions.

11/12/2025

It's beginning to look a bit like ... 'Bah, Humbug!'

December has a specific weight to it, doesn’t it? As business owners, we reach this time of year often running on fumes. We have spent the last twelve months putting out fires, managing people, and chasing cash flow.

But let's put that aside and instead, in the spirit of the season, I want to re-introduce you to a colleague of ours. A small business owner named ‘Ebenezer’.

Explore a modern twist on a classic narrative where burnout meets business continuity, highlighting the vital role of protecting your legacy and peace of mind.