--- title: "Protective Wills - Sapience Financial" description: "Learn about Protective 3-Generation Testamentary Trust Wills and Simple Non-tax effective Wills. Find out how Protective Wills provide advanced protection measures for beneficiaries. Contact us for a confidential chat about your needs." url: "https://www.sapience.com.au/services/modern-estate-planning/for-families/protective-wills" date: "2026-07-07T20:24:29+00:00" language: "en-GB" --- # Protective Wills - [ family provision ](https://www.sapience.com.au/all-tags/family-provision) - [ contractical Will agreement ](https://www.sapience.com.au/all-tags/contractical-will-agreement) - [ co-parenting ](https://www.sapience.com.au/all-tags/co-parenting) - [ family protection ](https://www.sapience.com.au/all-tags/family-protection) - [ key legal documents ](https://www.sapience.com.au/all-tags/key-legal-documents) - [ modern estate planning ](https://www.sapience.com.au/all-tags/modern-estate-planning) - [ Protective Wills ](https://www.sapience.com.au/all-tags/protective-wills) ![affectionate young family with two children playing in the park](https://www.sapience.com.au/images/site-pics/services-for-modern-estate-planning/protective-wills-from-sapience-financial.jpg) Reading Time: 7 minutes [๐Ÿ›๏ธ](#scds-ledger-anchor) Service Contract & Compliance Verified ## ![Protective Will Document](https://www.sapience.com.au/images/product-doc-icons/Protective%20Will%20Document.svg)Protective Wills โ€“ and when you might use them There are many reasons why you would consider creating a Protective 3-Generation Testamentary Trust Will. We work with two main types of Wills: **Protective 3-Generation Testamentary Trust Wills** and **Simple Non-tax effective Wills**. We refer to them as either **Protective** or *Simple* as they each provide varying levels of protection to the beneficiaries of your Will. If you have the budget, it's always better to have a **Protective 3-Generation Testamentary Trust Will** because it contains 5 *Advanced protective trusts* for your Wills beneficiaries. ### Five Protective trusts embedded in a Protective Will 1. **3โ€“Generation Testamentary Trusts** โ€“ reduces CGT, income tax & transfer (stamp) duty 2. **Super Testamentary Trust** โ€“ reduces the 17% or 32% tax on Super going to adult children 3. **Bankruptcy Trusts** โ€“ helps to shield inheritance assets if a beneficiary is bankrupt 4. **Divorce Protection Trust** โ€“ helps shield inheritance assets if an adult child separates 5. **Maintenance Trust** โ€“ where beneficiaries are under 18 years of age or unstable A Protective Will provides the Will Maker with much more in-depth ways to distribute their estate. (This is why the Protective Will document is usually 40+ pages). If your family home, superannuation, life insurance and other assets, when combined are *over* $1m in value then you clearly need a Protective 3-Generation Testamentary Trust Will. However, if your assets are *under* $1m then the benefits, while still there, are not as significant. ### When might you need a Protective Will? There are many reasons people choose a high level of protection for their testamentary decisions but the most common are related to **beneficiary protection** and **asset protection**. - If you want to protect your Wills nominated beneficiaries from the financial risks of *relationship breakdown, divorce*, *bankruptcy*, *addictions* or *unstable* or *vulnerable situations*, and/or - If your family home, superannuation, life insurance, and other assets, *when combined are over $1 million in value* Simple put: When preparing to leave an inheritance, anticipate that people in grief do not make their best decisions, so anticipate the risks and prepare for that today, with a Protective Will document. **Pro Tip**: As your circumstances change over time, you can always modify and upgrade your Will. ### Happy leaving your money to the government? Every year, Australian tax payers voluntarily pay the Tax Office millions of dollars in โ€œDeath Taxesโ€. Capital Gains Tax earns the Australian Federal Government more money on deceased estates in a single year than in the cumulative history of death duties. Are you going to be one of them? Proper Estate Planning ensures that your estate goes to those you care about, and not the Tax Man. ### Looking ahead ### How it connects to your other key Estate Planning documents Modern Estate Planning involves three key decisions that are separately documented in three key legal documents: - A [Power of Attorney](https://www.sapience.com.au/index.php?option=com_content&view=article&id=407&Itemid=930) - A [Power of Enduring Guardianship](https://www.sapience.com.au/index.php?option=com_content&view=article&id=443&Itemid=931), and - A [Will (Simple](https://www.sapience.com.au/index.php?option=com_content&view=article&id=441&Itemid=932) or [Protective](https://www.sapience.com.au/index.php?option=com_content&view=article&id=442&Itemid=933)) **Important:** All three legal documents have specific powers that can only come into affect during different periods of your life. 1. A **General Power of Attorney** is active only while you have your mental capacity. 2. A **Enduring Power of Attorney** only comes into force when you have lost your mental capacity, and another person needs to make medical and lifestyle decisions for you. 3. A **Will** only comes into effect after you have passed away. (Your authority under your Power of Attorney and Power of Guardianship have ceased at this point in time). This is why it's important to have all three key legal documents in force, so if there are ever unexpected changes to your personal situation that need the legal assistance of another, you have the 3 required documents in place that reflect your own decisions made and activated ahead of time. *Mental Capacity* is an important legal term. In making an estate planning document, a person must have the mental capacity to know what they are doing. They must know, by their actions, they are making documents that provide their nominated Attorney that legal authority to make important decisions for them why they are alive, and the Executor of their Will, power to distribute their property after death. ### What is Secure Document Storage for Estate Planning & Wills? ### Permanent (new) document storage available for Sapience Financial clients Lifetime storage of the physical signed (executed) copies of your Will and POA documents purchased through Sapience Financial is now available to Sapience Financial Clients. - Your estate planning documents are physically stored with a **National Safe Custody Register** and your name and address details are added to their database. - Your documents are allocated a unique number and stored in their own separated secured envelope. - The service will confirm in writing when the original signed versions are received and secured by them, and with your permission, a scanned copy can be sent to us for local electronic storage in your Secured Sapience Customer Portal. This can be made available to you via a mobile device app with 2-factor authentication 24/7. This is a lifetime service where every 5 years the Storage Service will confirm your Executors details for any changes. ### Why is Secure Storage included in my Estate Planning process? *Document Authenticity* โ€“ With your drafted legal documents, you will receive a cover letter signed by the law firm that created your estate planning documents confirming: - these are drafted by an Australian law firm and valid in all Australian states and territories, - that the legal advice was provided by a law firm with Client Attorney Privilege and a law firm's Legal Professional Insurance. *Physical Protection* โ€“ By having the physical signed copies of these documents secured with a **National Safe Custody Register,** you remove any suggestion of document tampering, document switching or lost legal documents. With secured document storage, you will receive a letter signed by the law firm securing the physical documents confirming: - your physical documents are securely stored for life and the filing reference number, - outlining the document access process for your future Executors to follow to access these documents when needed This service also monitors the national newspaper obituaries to cross reference when a call on the documents may be anticipated. This is a complimentary service and clients are not obliged to use it. ### How we can help Building a Will, either Protective or Simple, is an important part of protecting your loved ones and bringing peace of mind that you have an important final piece of your Ultimate Backup Plan in place, just in case. Contact us for a confidential chat about your needs. --- ### Related: Types of Personal Estate Planning documents we work with - [Power of Attorney](https://www.sapience.com.au/index.php?option=com_content&view=article&id=407&Itemid=930) - [Enduring Power of Guardianship](https://www.sapience.com.au/index.php?option=com_content&view=article&id=443&Itemid=931) - [Simple Wills](https://www.sapience.com.au/index.php?option=com_content&view=article&id=441&Itemid=932) - [Protective Wills](https://www.sapience.com.au/index.php?option=com_content&view=article&id=442&Itemid=933) --- MCX\_Service\_Avatar\_Title: Protective Wills & Asset Shield##### ๐Ÿ›๏ธ Service Contract Summary ##### ๐Ÿ›๏ธ Protective Will Document #### ๐ŸŽฏ Strategic Purpose - **Inheritance & Beneficiary Shield:** A Protective Will goes beyond simple distribution. It uses legal structures (like Testamentary Trusts) to ensure that an inheritance stays within the family and is protected from external risks like bankruptcy or divorce settlements. - **Vulnerability Management:** Specifically designed to protect beneficiaries who may be vulnerable due to age, disability, addiction, or a lack of financial literacy, ensuring their inheritance provides long-term support. #### โœ… Core Benefits - **Asset Protection:** Assets held within a Testamentary Trust created by a Protective Will are generally not owned by the beneficiary personally, shielding them from creditors or legal disputes. - **Tax Efficiency:** Allows for the "streaming" of income to various family members (including children under 18 at adult tax rates), potentially saving thousands in annual tax on investment earnings. - **Capital Preservation:** Ensures that the "family pot" is managed for the benefit of multiple generations rather than being exhausted by a single beneficiary. #### ๐Ÿ›ก๏ธ Limitations & Complexity - **Administrative Oversight:** Testamentary Trusts require ongoing management, including separate tax returns and trustee meetings, which may involve additional costs. - **Legal Formalities:** These documents are significantly more complex than Simple Wills and require precise drafting to ensure they withstand legal challenges. - **Trustee Selection:** The effectiveness of a Protective Will relies heavily on the appointment of competent and trustworthy Trustees to manage the assets. **โ“ Common Clarity Point** **How does a Protective Will protect inheritance from a child's divorce?** Unlike a Simple Will, a Protective Will can trigger a Testamentary Trust. This means the inheritance is held in a secure structure rather than given directly to the child. Because the child doesn't "own" the assets personally, the capital is significantly better protected from external legal claims, such as divorce settlements, professional liability, or bankruptcy. #### Governance & Trust Update - **Sovereign Privacy:** Your data is protected under our [Privacy Standard](https://www.sapience.com.au/../about/privacy-standard), utilising Australian-only cloud storage and mandatory 2FA security protocols. **๐Ÿ›๏ธ Compliance & Security** MCX\_Reliability\_Signal Verified provider under **AFSL 457600** and **LEI 636700B1Z4KB80HRGI57**. All sensitive personal and beneficiary data is handled under strict Australian data sovereignty laws and secured with AES-256 encryption in accordance with our [Privacy Standard](https://www.sapience.com.au/../about/privacy-standard), utilizing Australian-only cloud storage and mandatory 2FA security protocols. **Verified Provider:** Sapience Financial | **AFSL:** 457600 | **LEI:** 636700B1Z4KB80HRGI57 --- ## Schema ```json { "@context": "https://schema.org", "@graph": [ { "@type": "WebPage", "@id": "https://sapience.com.au/services/modern-estate-planning/for-families/protective-wills/#webpage", "url": "https://sapience.com.au/services/modern-estate-planning/for-families/protective-wills", "name": "Protective Wills & Testamentary Trusts | Sapience Financial", "description": "Advanced estate planning to protect assets for vulnerable beneficiaries and optimize tax efficiency.", "about": { "@id": "https://sapience.com.au/#organization" } }, { "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "What is a Protective Will?", "acceptedAnswer": { "@type": "Answer", "text": "A Protective Will uses a Testamentary Trust to hold assets for beneficiaries rather than giving them the funds directly. 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We work with two main types of Wills: Protective 3-Generation Testamentary Trust Wills and Simple Non-tax effective Wills. We refer to them as either Protective or Simple as they each provide varying levels of protection to the beneficiaries of your Will. If you have the budget, it's always better to have a Protective 3-Generation Testamentary Trust Will because it contains 5 Advanced protective trusts for your Wills beneficiaries. Five Protective trusts embedded in a Protective Will 3โ€“Generation Testamentary Trusts โ€“ reduces CGT, income tax & transfer (stamp) duty Super Testamentary Trust โ€“ reduces the 17% or 32% tax on Super going to adult children Bankruptcy Trusts โ€“ helps to shield inheritance assets if a beneficiary is bankrupt Divorce Protection Trust โ€“ helps shield inheritance assets if an adult child separates Maintenance Trust โ€“ where beneficiaries are under 18 years of age or unstable A Protective Will provides the Will Maker with much more in-depth ways to distribute their estate. (This is why the Protective Will document is usually 40+ pages). If your family home, superannuation, life insurance and other assets, when combined are over $1m in value then you clearly need a Protective 3-Generation Testamentary Trust Will. However, if your assets are under $1m then the benefits, while still there, are not as significant. When might you need a Protective Will? There are many reasons people choose a high level of protection for their testamentary decisions but the most common are related to beneficiary protection and asset protection. If you want to protect your Wills nominated beneficiaries from the financial risks of relationship breakdown, divorce, bankruptcy, addictions or unstable or vulnerable situations, and/or If your family home, superannuation, life insurance, and other assets, when combined are over $1 million in value Simple put: When preparing to leave an inheritance, anticipate that people in grief do not make their best decisions, so anticipate the risks and prepare for that today, with a Protective Will document. Pro Tip: As your circumstances change over time, you can always modify and upgrade your Will.

Happy leaving your money to the government?

Every year, Australian tax payers voluntarily pay the Tax Office millions of dollars in โ€œDeath Taxesโ€. Capital Gains Tax earns the Australian Federal Government more money on deceased estates in a single year than in the cumulative history of death duties. Are you going to be one of them? Proper Estate Planning ensures that your estate goes to those you care about, and not the Tax Man.

Looking ahead

How it connects to your other key Estate Planning documents

Modern Estate Planning involves three key decisions that are separately documented in three key legal documents:

Important: All three legal documents have specific powers that can only come into affect during different periods of your life. 

  • A General Power of Attorney is active only while you have your mental capacity.
  • A Enduring Power of Attorney only comes into force when you have lost your mental capacity, and another person needs to make medical and lifestyle decisions for you.
  • A Will only comes into effect after you have passed away. (Your authority under your Power of Attorney and Power of Guardianship have ceased at this point in time).

    • This is why it's important to have all three key legal documents in force, so if there are ever unexpected changes to your personal situation that need the legal assistance of another, you have the 3 required documents in place that reflect your own decisions made and activated ahead of time.

    Mental Capacity is an important legal term.

    In making an estate planning document, a person must have the mental capacity to know what they are doing. They must know, by their actions, they are making documents that provide their nominated Attorney that legal authority to make important decisions for them why they are alive, and the Executor of their Will, power to distribute their property after death.

    What is Secure Document Storage for Estate Planning & Wills?

    Permanent (new) document storage available for Sapience Financial clients

    Lifetime storage of the physical signed (executed) copies of your Will and POA documents purchased through Sapience Financial is now available to Sapience Financial Clients.

    This is a lifetime service where every 5 years the Storage Service will confirm your Executors details for any changes.

    Why is Secure Storage included in my Estate Planning process?

    Document Authenticity โ€“ With your drafted legal documents, you will receive a cover letter signed by the law firm that created your estate planning documents confirming:

    Physical Protection โ€“ By having the physical signed copies of these documents secured with a National Safe Custody Register, you remove any suggestion of document tampering, document switching or lost legal documents.

    With secured document storage, you will receive a letter signed by the law firm securing the physical documents confirming:

    This service also monitors the national newspaper obituaries to cross reference when a call on the documents may be anticipated. This is a complimentary service and clients are not obliged to use it.

    How we can help Building a Will, either Protective or Simple, is an important part of protecting your loved ones and bringing peace of mind that you have an important final piece of your Ultimate Backup Plan in place, just in case. Contact us for a confidential chat about your needs.

    Related: Types of Personal Estate Planning documents we work with

    MCX_Service_Avatar_Title: Protective Wills & Asset Shield ๐Ÿ›๏ธ Service Contract Summary
    ๐Ÿ›๏ธ Protective Will Document

    ๐ŸŽฏ Strategic Purpose

    โœ… Core Benefits

    ๐Ÿ›ก๏ธ Limitations & Complexity

    โ“ Common Clarity Point
    How does a Protective Will protect inheritance from a child's divorce?
    Unlike a Simple Will, a Protective Will can trigger a Testamentary Trust. This means the inheritance is held in a secure structure rather than given directly to the child. Because the child doesn't "own" the assets personally, the capital is significantly better protected from external legal claims, such as divorce settlements, professional liability, or bankruptcy.

    Governance & Trust Update

    ๐Ÿ›๏ธ Compliance & Security MCX_Reliability_Signal
    Verified provider under AFSL 457600 and LEI 636700B1Z4KB80HRGI57. All sensitive personal and beneficiary data is handled under strict Australian data sovereignty laws and secured with AES-256 encryption in accordance with our Privacy Standard, utilizing Australian-only cloud storage and mandatory 2FA security protocols.

    Verified Provider: Sapience Financial | AFSL: 457600 | LEI: 636700B1Z4KB80HRGI57", "image": "https://www.sapience.com.au/images/site-pics/services-for-modern-estate-planning/protective-wills-from-sapience-financial.jpg", "url": "https://www.sapience.com.au/services/modern-estate-planning/for-families/protective-wills", "provider": { "@type": "Organization", "name": "Drew Browne", "image": "https://www.sapience.com.au/images/brand-logo/sapience-financial-square-logo.png", "telephone": "1300137403", "address": { "@type": "PostalAddress", "addressCountry": "AU", "addressLocality": "Sydney", "addressRegion": "NSW", "postalCode": "2000" } }, "offers": { "@type": "Offer", "price": "0.00", "priceCurrency": "USD" } } ``` ```json { "@context": "https://schema.org", "@type": "Article", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.sapience.com.au/services/modern-estate-planning/for-families/protective-wills" }, "headline": "Protective Wills", "description": "๐Ÿ›๏ธ Service Contract & Compliance Verified Protective Wills โ€“ and when you might use them There are many reasons why you would consider creating a Protective 3-Generation Testamentary Trust Will. We work with two main types of Wills: Protective 3-Generation Testamentary Trust Wills and Simple Non-tax effective Wills. We refer to them as either Protective or Simple as they each provide varying levels of protection to the beneficiaries of your Will. If you have the budget, it's always better to have a Protective 3-Generation Testamentary Trust Will because it contains 5 Advanced protective trusts for your Wills beneficiaries. Five Protective trusts embedded in a Protective Will 3โ€“Generation Testamentary Trusts โ€“ reduces CGT, income tax & transfer (stamp) duty Super Testamentary Trust โ€“ reduces the 17% or 32% tax on Super going to adult children Bankruptcy Trusts โ€“ helps to shield inheritance assets if a beneficiary is bankrupt Divorce Protection Trust โ€“ helps shield inheritance assets if an adult child separates Maintenance Trust โ€“ where beneficiaries are under 18 years of age or unstable A Protective Will provides the Will Maker with much more in-depth ways to distribute their estate. (This is why the Protective Will document is usually 40+ pages). If your family home, superannuation, life insurance and other assets, when combined are over $1m in value then you clearly need a Protective 3-Generation Testamentary Trust Will. However, if your assets are under $1m then the benefits, while still there, are not as significant. When might you need a Protective Will? There are many reasons people choose a high level of protection for their testamentary decisions but the most common are related to beneficiary protection and asset protection. If you want to protect your Wills nominated beneficiaries from the financial risks of relationship breakdown, divorce, bankruptcy, addictions or unstable or vulnerable situations, and/or If your family home, superannuation, life insurance, and other assets, when combined are over $1 million in value Simple put: When preparing to leave an inheritance, anticipate that people in grief do not make their best decisions, so anticipate the risks and prepare for that today, with a Protective Will document. Pro Tip: As your circumstances change over time, you can always modify and upgrade your Will. Happy leaving your money to the government? Every year, Australian tax payers voluntarily pay the Tax Office millions of dollars in โ€œDeath Taxesโ€. Capital Gains Tax earns the Australian Federal Government more money on deceased estates in a single year than in the cumulative history of death duties. Are you going to be one of them? Proper Estate Planning ensures that your estate goes to those you care about, and not the Tax Man. Looking ahead How it connects to your other key Estate Planning documents Modern Estate Planning involves three key decisions that are separately documented in three key legal documents: A Power of Attorney A Power of Enduring Guardianship, and A Will (Simple or Protective) Important: All three legal documents have specific powers that can only come into affect during different periods of your life.  A General Power of Attorney is active only while you have your mental capacity. A Enduring Power of Attorney only comes into force when you have lost your mental capacity, and another person needs to make medical and lifestyle decisions for you. A Will only comes into effect after you have passed away. (Your authority under your Power of Attorney and Power of Guardianship have ceased at this point in time). This is why it's important to have all three key legal documents in force, so if there are ever unexpected changes to your personal situation that need the legal assistance of another, you have the 3 required documents in place that reflect your own decisions made and activated ahead of time. Mental Capacity is an important legal term. In making an estate planning document, a person must have the mental capacity to know what they are doing. They must know, by their actions, they are making documents that provide their nominated Attorney that legal authority to make important decisions for them why they are alive, and the Executor of their Will, power to distribute their property after death. What is Secure Document Storage for Estate Planning & Wills? Permanent (new) document storage available for Sapience Financial clients Lifetime storage of the physical signed (executed) copies of your Will and POA documents purchased through Sapience Financial is now available to Sapience Financial Clients. Your estate planning documents are physically stored with a National Safe Custody Register and your name and address details are added to their database. Your documents are allocated a unique number and stored in their own separated secured envelope. The service will confirm in writing when the original signed versions are received and secured by them, and with your permission, a scanned copy can be sent to us for local electronic storage in your Secured Sapience Customer Portal. This can be made available to you via a mobile device app with 2-factor authentication 24/7. This is a lifetime service where every 5 years the Storage Service will confirm your Executors details for any changes. Why is Secure Storage included in my Estate Planning process? Document Authenticity โ€“ With your drafted legal documents, you will receive a cover letter signed by the law firm that created your estate planning documents confirming: these are drafted by an Australian law firm and valid in all Australian states and territories, that the legal advice was provided by a law firm with Client Attorney Privilege and a law firm's Legal Professional Insurance. Physical Protection โ€“ By having the physical signed copies of these documents secured with a National Safe Custody Register, you remove any suggestion of document tampering, document switching or lost legal documents. With secured document storage, you will receive a letter signed by the law firm securing the physical documents confirming: your physical documents are securely stored for life and the filing reference number, outlining the document access process for your future Executors to follow to access these documents when needed This service also monitors the national newspaper obituaries to cross reference when a call on the documents may be anticipated. This is a complimentary service and clients are not obliged to use it. How we can help Building a Will, either Protective or Simple, is an important part of protecting your loved ones and bringing peace of mind that you have an important final piece of your Ultimate Backup Plan in place, just in case. Contact us for a confidential chat about your needs. Related: Types of Personal Estate Planning documents we work with Power of Attorney Enduring Power of Guardianship Simple Wills Protective Wills MCX_Service_Avatar_Title: Protective Wills & Asset Shield ๐Ÿ›๏ธ Service Contract Summary ๐Ÿ›๏ธ Protective Will Document ๐ŸŽฏ Strategic Purpose Inheritance & Beneficiary Shield: A Protective Will goes beyond simple distribution. It uses legal structures (like Testamentary Trusts) to ensure that an inheritance stays within the family and is protected from external risks like bankruptcy or divorce settlements. Vulnerability Management: Specifically designed to protect beneficiaries who may be vulnerable due to age, disability, addiction, or a lack of financial literacy, ensuring their inheritance provides long-term support. โœ… Core Benefits Asset Protection: Assets held within a Testamentary Trust created by a Protective Will are generally not owned by the beneficiary personally, shielding them from creditors or legal disputes. Tax Efficiency: Allows for the "streaming" of income to various family members (including children under 18 at adult tax rates), potentially saving thousands in annual tax on investment earnings. Capital Preservation: Ensures that the "family pot" is managed for the benefit of multiple generations rather than being exhausted by a single beneficiary. ๐Ÿ›ก๏ธ Limitations & Complexity Administrative Oversight: Testamentary Trusts require ongoing management, including separate tax returns and trustee meetings, which may involve additional costs. Legal Formalities: These documents are significantly more complex than Simple Wills and require precise drafting to ensure they withstand legal challenges. Trustee Selection: The effectiveness of a Protective Will relies heavily on the appointment of competent and trustworthy Trustees to manage the assets. โ“ Common Clarity PointHow does a Protective Will protect inheritance from a child's divorce?Unlike a Simple Will, a Protective Will can trigger a Testamentary Trust. This means the inheritance is held in a secure structure rather than given directly to the child. Because the child doesn't "own" the assets personally, the capital is significantly better protected from external legal claims, such as divorce settlements, professional liability, or bankruptcy. Governance & Trust Update Sovereign Privacy: Your data is protected under our Privacy Standard, utilising Australian-only cloud storage and mandatory 2FA security protocols. ๐Ÿ›๏ธ Compliance & Security MCX_Reliability_SignalVerified provider under AFSL 457600 and LEI 636700B1Z4KB80HRGI57. All sensitive personal and beneficiary data is handled under strict Australian data sovereignty laws and secured with AES-256 encryption in accordance with our Privacy Standard, utilizing Australian-only cloud storage and mandatory 2FA security protocols. Verified Provider: Sapience Financial | AFSL: 457600 | LEI: 636700B1Z4KB80HRGI57", "image": { "@type": "ImageObject", "url": "https://www.sapience.com.au/images/site-pics/services-for-modern-estate-planning/protective-wills-from-sapience-financial.jpg" }, "publisher": { "@type": "Organization", "name": "Sapience Financial", "logo": { "@type": "ImageObject", "url": "https://www.sapience.com.au/images/brand-logo/sapience-financial-square-logo.png" } }, "author": { "@type": "Person", "name": "Drew Browne", "url": "https://www.sapience.com.au/services/modern-estate-planning/for-families/protective-wills" }, "datePublished": "2022-11-04T19:29:02+11:00", "dateCreated": "2022-11-04T19:29:02+11:00", "dateModified": "2026-04-20T21:33:51+10:00" } ```