Hello! Welcome to Sapience Financial
We expect you'll have lots of questions, so we would like to answer the biggest one first, so you can decide whether we’re the type of people you’d like to do business with.
'Why?' … it's a very human question
Because everything meaningful has purpose; and everything meaningful usually connects to something else with purpose, so asking ‘Why’ is a very human question.
And asking ‘Why’ about money, life insurances, investing and financial advice is actually the best place to start — at least we think so.
- Why? Because money is a serious matter – given how much of our lives we sacrifice in the name of making money in the first place. We all require consistent access to money to live, love and do business. It takes lots of money to raise and educate children, to provide for a special needs sibling or frail aged parents; and of course, it takes even more money to live out our retirement with dignity, and access to healthcare.
- Why? Because money gives us options when dealing with adversity. Ultimately less money speaks to issues of the level of control we have over our lives.
- Why? Because The Numbers of Lifeare statistical so they're not avoidable – statistical risks we all face equally – like unexpected ill health, accident, injury, or even an unexpected disability or death – these statistically based events can happen to us all regardless of who we are, our current level of success, what we do or who depends on us financially and emotionally for their futures.
So you might ask, Why do we also acknowledge the emotional connection when talking about a service about money, life insurances and investing?
Good financial advice is actually not all about money
We believe life is about so much more than just money. Equally, if you don't have regular access to that financial resource, life can be harder (if not impossible) to successfully navigate with clarity, calm, and confidence.
A very human instinct
Making, managing, and protecting our ability to earn an income are essential life skills today – it's really the biggest asset we have – and an absolutely necessary part of modern life and business.
- It provides our lifestyles, protects our futures, and empowers our ability to protect and provide for those we love – a very human instinct – and one of humanity's most admirable traits.
- To ignore improving your money skills, would be to ignore maintaining your ongoing good mental health; you just can't ignore the facts of life and expect you're still going to navigate it successfully.
- We all teach our children how to successfully navigate through life. We continue to improve ourselves to become better and more capable people. We grow our businesses to better protect and provide for our families and serve and support our customers; it's not hard to see how it all connects together – life, love, and business.
So asking the question ‘Why’ about your money matters, is perhaps the best place to start living a bigger life.
To better understand our philosophy about what we do, is to understand the story behind our logo
The origins of our brand logo draw from the history of African tribes who were known to so highly value the insights and wisdom of their tribal elders, they would share these experts between tribes to exchange their wisdom for payment, so each tribe could benefit and advance.
Some elders were experts on crop rotation, others were experts at settling disputes and mediation. Others were experienced with the finer aspects of life, love, and relationships, and finding ways of living in peace with their difficult surroundings. Those tribes that sought out and applied the advice of a trusted elder, flourished.
You could say, they saw the value in wisdom from unusual places – the value of Sapience.
For those readers who like detail, the word ‘sapience’ comes from the Latin word sapientia, meaning wisdom. It's come to be defined more precisely as wisdom from unusual places. To the modern scholar, there’s a sense of subtle humor and playfulness in its delivery too.
And before you go, if you want to know the story behind our Brands, you can read more about our Philosophy and Backstory too.
So Why work with Sapience Financial?
What we believe affects who we become and we believe Secure People Live >Bigger Lives.
We believe our products and services are also a portal to a better self and a better life and we want our clients to think bigger about who they are and what they have to offer the world.
Having a backup plan in place to protect a small business owner and their family from the core business risks of life is crucial; not just because it can be the difference between closing the doors and keeping their business afloat during difficult times when resources are limited, but because nothing helps you boldly face the future like knowing you’re prepared — and nothing feels as good as being secure.
Welcome to Sapience. Let's Get Started
Drew Browne, Founder & Senior Advisor
Sapience Financial
Get our eGuides
Need to upskill your practical financial knowledge? Download a relevant free Sapience Financial eGuide (and become more life confident)
Our Sapience eGuides are free educational guides for our clients, friends, and supporters – each designed to help chunk – down bigger financial concepts and habits into bite-sized learnable pieces. Our worksheets are design to help focus your thinking as you start to prepare to work with us.
- Whether that's helping your kids to begin to learn good financial habits
- Preparing to learn more about Modern Estate Planning options
- Understanding the statistical reality that 31 Australian families lose an income-earning parent every day (and what you can do about that)
- Supporting Same-Sex Newlyweds looking to learn about their new financial decisions
Below are our current helpful eGuides ready for download

Become more life confident - get our Not-a-Newsletter
Some things in financial life are nice to know – some are important to know
– being able to tell the difference sets you apart
Start a good habit and read our seasonal financial Not-a-Newsletter, designed to help you (or someone you know) take more control over modern financial life.
Our Not-a-Newsletter shares tips, articles, insights, and resources to support your financial life.
There’s no spam, all content is hand-crafted by myself, I never share your information, and it’s free.
Let us know your name and best email address in the form below and we'll put you on our list of people becoming for life confident.
P.S. It's never too late to start a healthy new habit.
Financial Calculators
These financial calculators are powered by the ASIC *MoneySmart website and can help provide clarity to achieve a financial goal.
Life Insurance needs calculator
- Life Insurance needs calculator
Determine if you may need life cover and how much you may need.
Managing your Money
- Savings goals calculator
How long to reach your savings goals - Compound interest calculator
What saving a regular amount achieves - Income tax calculator
What's your take-home salary after tax and Medicare - Your net worth calculator
Measuring your current financial situation - Budget planner
Borrowing and Credit
- Mortgage calculator
How much will my repayments be? - Mortgage switching calculator
Will you will save money by switching to another mortgage? - Mortgage health check
How well you are coping with your mortgage - Personal loan calculator
How much will the repayments be? - Credit card calculator
How much you'll save by making higher repayments
Superannuation
- Retirement planner
How to boost your super - Superannuation calculator
How fees affect your payout - Super contributions optimiser
Which type of super contribution will give your super the biggest boost - Super vs Mortgage calculator
The effect of putting extra money into a mortgage or super? - Super co-contribution calculator
For when you're looking to boost your super - Employer contributions calculator
How much super you should be getting from your employer
Retirement
- Retirement planner
What income you are likely to have from super and the age pension when you retire? - Super and pension age calculator
Work out when you can get your super or apply for the Pension - Account-based pension calculator
How long your super account pension last
Investing
- Managed funds calculator
How fees and costs affect your investment - Margin loan calculator
Only for dedicated investors who actively monitor and manage their investments
*ASIC is the Australian government's Financial Services Regulator and MoneySmart is their customer-facing website.