Transfer and Manage my Existing Insurance service request

All Sapience Financial Forms are in PDF

Client and policy details for our Transfer and Manage Your Existing Insurance Policy service

This document is used by our insurance clients to enable us to take over an existing (usually abandoned) insurance policy to manage for them.

  • Contact us if you have any questions completing this form.

7 Financial decisions same-sex newlyweds need to make

Free eGuideDownload our new eGuide 7 Financial decisions same-sex newlyweds need to make

A financial guide specifically designed for the LGBTI community

  • Research shows LGBTI people have reduced access to health services and reduced access to relevant discrimination-free financial advice.

So in support of Marriage Equality and a fair go for everyone, we wrote a free eGuide to help make your life a little more fabulous. 

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Quick Family Financial Goals checklist

Sapience Quick Family Financial Goals checklist

Quick Family Financial Goals checklist

This document can be used to start your thinking about financial goals - small, medium and large - and how to see them in a timeline and saving timeline. It's a great way to begin to create a habit of writing goals down and displaying them in a regular place like the fridge.

  • This checklist will help gather some of your financial thinking before you speak with your Sapience Adviser on strategies to help get there sooner.
This is an interactive PDF so you can fill it in online and save a copy to print out.

SMSF liquidity worksheet

Our Mortgage Checklist & Budget form

Annual SMSF liquidity assessment worksheet

SMSF (Self Managed Superannuation Fund) trustees have strict requirements to monitor and assess the liquidity of the SMSF for the benefit of its members.

  • We provide annual liquidity assessments for SMSF Trustee clients and use this worksheet to help them prepare and pre-assess their own position.
Need to learn more? Watch our video interview SMSF Trustee Liquidity Requirements.

Ongoing Fixed Business Expenses checklist

Sapience cient Fixed Busienss Expenses form

Ongoing Fixed Business Expenses Checklist

This document is used by our insurance clients to help check their ongoing fixed business expenses for Business Expenses insurance purposes.

  • This checklist is designed to save you time and outline the information you'll be asked to provide during your interview with your Sapience Financial Adviser.
This is an interactive PDF so you can fill it in online and save a copy to print out.

Remote Insurance Interview checklist

All Sapience Financial Forms are in PDF

Checklist for your Insurance Application phone interview

This document is used by our insurance clients to prepare for a life insurance application over the phone or by Skype remotely

  • This checklist is designed to save you time and outline the information you'll be asked to provide during your remote interview with your Sapience Financial Adviser.

Federal Budget 2018-19 Quick Summary

On Tuesday 8 May 2018, the Treasurer, Scott Morrison, released the Government’s 2018-19 Budget.

This year’s Budget has an emphasis on retirement planning and contains several important considerations which may affect both retirees and pre-retirees, explored further below.

  • It’s important to note that at this point in time, these proposed measures are not yet law and may be subject to change.

Family Tree Worksheet

A family tree for everyoneA Family Tree for everyone

Because Love Makes a Family.

The majority of financial decisions involve our relationships, our family, (biological or logical) friends and people we protect and provide for.

  • Making better decisions starts with being able to see our personal situation and circumstances more clearly and the people who form the most important part of our circle.

Whether you're thinking about life insurance, deciding upon beneficiaries for your superannuation, getting your emergency support and estate planning documents sorted, use our gender neutral family tree to help map out your bigger picture, your connections and those you protect and provide for.

This is an interactive PDF so you can fill it in online and save a copy to print out.

Budget like a Badass Infographic

Free InfographicHow to Budget Like a Badass

You're never going to create wealth until you can learn to better budget your money.

The power's in the percentage and not just the amounts of money involved.

  • So if you're up to learn a new financial skill, why not download our six step process infographic. 
Make sure you've read our blog article Budget Like a Badass.

Discussion starter worksheet: Transferring or Retaining risks

Here's one of our popular discussion worksheets

We all have risks in life and business to manage. The big ones, are best transferred away from your family (and your business) and onto an insurance company to carry for you.

Young families and small businesses are often their most vulnerable in the early years and need additional protection and support until they have sufficient assets and emergency savings behind them.

  • Families need protection from mortgage debts
  • Individuals need to protect their income from sickness, injuries and disabilities
  • Business owners and Shareholders need protection from business trading debts, fixed contracts and overhead expenses and loans from funders.

Home loan application checklist & budget

Our Mortgage Checklist & Budget form

Getting ready to apply for a home loan?

Here's our document checklist and family budget template outlining the necessary supporting paperwork you'll need to apply for a home loan (and the general reasons why).

  • Tick off the list of documents as you collect copies of them, and
  • Fill out a copy of the family budget

The more you get to understand the process and how it will affect you financially, the more confidence you'll have in your financial decisions.

This is an interactive PDF so you can fill it in online and save a copy to print out.

Discussion starter worksheet: Developing a commercialised product

Here's one of our client discussion worksheets

Small businesses usually develop products and services that solve the meaningful problems of their market. As we move further into the digital age the productisation of services is becoming an increasingly interesting frontline. If you're in this business space you may find this conversation starter helpful.

  • This worksheet is a conversation starter about how to begin your thinking about this process.

Business Capacity Statement template

Download a free word template

Supply chain risk is a known manageable business risk. Your capacity statement helps demonstrate you're appropriately managing that risk.

When you're dealing with larger companies or engaging with Government contracts, supply chain risk is at the front of their considerations.

  • Nobody wants to commit long term funds and contacts to a business that cannot demonstrate they’ve taken a commercial approach to the predictable risks and requirements of a good business.

Introducing Sapience Financial and Investment Services

If you find financial decisions difficult to make, perhaps you've been talking with too many people.

We've been working with Australian Small Business owners and families for over 18 years and believe that we all benefit from a Clearer Look at The Bigger Picture.

  • Our web-friendly brochure is a great way to start to get to know us and whether we're you're kind of people.

The Ultimate Plan B - 7 Myths about Modern Estate Planning eGuide

Modern Estate Planning is about protecting you and your loved ones today, tomorrow and later on.

Our free Australian Consumer Guide to 7 Myths About Modern Estate Planning will help you prepare for a meeting with our Senior Estate Adviser (or just give you some powerful and helpful insights to share at your next BBQ with friends).

31 Families lose a parent every day

A very special Sapience eGuide

Examining the statistical realities the death of a parent has on a child, and what you can do to reduce the risks.

A helpful guide on How Families Can Plan for the Unexpected

We believe by having realistic conversations and planning for the unexpected, Australian parents can have greater certainty about the future security of their families. 

  • The good news is there are practical positive steps we can all take to be better prepared for the unexpected.
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Sample business records - Keyperson insurance for revenue purpose

Key business decisions need to be documented

Key person protection and insurance strategies have different tax treatment depending on a number of factors including the intent of the insurance cover

Pro Tip: 

  • If you have Key Person insurance in place but haven't properly documented the reason for the cover, you may not get favourable tax treatment on its premiums or its payout.

If your current risk adviser hasn't carefully explained this, (*gasp*)  maybe you need to be working with an adviser like Sapience who helps you manage these important details better.

31 Good Money Habits to Model for your Kids eGuide

Free eGuideLearn 31 Good Habits in 31 days

You're never too old to learn some new money skills and share them with the ones you love

  • This fresh helpful Sapience resource covers the key essentials to help you manage your money, compare your bills and make sure you know why those important things affect your ability to get ahead.

Each day links to relevant blog articles, downloadable resources and the occasional helpful checklist.

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Sapience Lego Ute instruction sheet

Having problems with your Sapience Lego Ute build (and don't want to ask the kids for help again)

Relax - Download the Sapience Lego car instructions or watch the 10-second video below.

HNY 2017 Smallville Contributor Blogs

Happy New 20172017 Smallville Summer Reading

Here's a collection of short blog articles for small business from the Smallville Business Community to help kickstart your thinking.

  • A great collection of helpful quick read fast result articles from premium small business owners, leaders and advisors.

Business People Protection Information Guide

Most Australian small to medium businesses are family run.

Business Partnerships are usually run by friends and colleagues that have very specific risks that need safeguarding — so the business risks don't become family risks.

  • Our Business People Protection Guide acknowledges the additional risk protection needs of a small business and the family that support it.

We believe protecting your business is an important part of protecting your family.

Badass Budgeting Spreadsheet

Download a free excel template

Learning to budget like a badass can be made simple when you have the right tools.

Here's a downloadable excel spreadsheet using the 50-30-20 percentage based budget system that many clients rave about.

  • If you need to get more control over your spending plans (yep that's what we call a budget here) you'll need to learn how to budget like a badass.

If you'd like a Google Sheets version of the spreadsheet, click here and save a copy to your own Google Docs account.

If you haven't read our article Budget Like a Badass, click here to read it.
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About Us

Wherever you are on your financial journey, whether it’s your business, your family or just you; it’s about good information, good connections and good financial advice — and the ability to recognise the difference.
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Work with us any way that works best for you.

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