The Drive To Protect & Provide is Evolutionary

The Drive To Protect & Provide is Evolutionary

... and at Sapience Financial we're all about 'The How'

Life & Business Priorities Will Always Overlap

Life & Business Priorities Will Always Overlap

Business makes compassion work

Secure People Live Bigger Lives

Secure People Live Bigger Lives

Well-being comes from our control over our lives and money, and the confidence it brings, to explore the world and become a better version of ourselves

Freedom to Be You

Freedom to Be You

Financial freedom is different for everyone, but the feeling is the same

You're Always a Role Model for Someone

You're Always a Role Model for Someone

Amazing people don't just happen

Live Happy Work Happy

Live Happy Work Happy

In Life, Love & Business, do more of what makes you happy!

Create Purposeful Business

Create Purposeful Business

Life is too short not do something meaningful

The biggest mistake business owners make

The biggest mistake business owners make

We overestimate our ability to function well during times of immense emotional & professional stress, & the resources needed to survive, recover & rebuild

 

[ OUR BELIEF ]

Secure People
Live Bigger Lives



Nothing helps you boldly face the future like knowing you’re prepared
— and nothing feels as good as being secure.

 

icon care

 

The biggest mistake small business owners make is this:

"We overestimate our ability to function well during times of immense emotional and professional stress, 
and we underestimate the amount of resources we’ll need to survive, recover and rebuild.”

 

[ About Us ]

Sapience is where Lived Experience meets Technical Expertise

We understand living through tough times.

With more than 20+ years experience in specialty personal risk management, we're the recognised Industry Leaders in Personal Risk Protection Advice for Modern Small Business Owners and their Families.

  • We support Small Business Owners and their Families to manage the major personal risks of life, love & business.
  • We believe life insurance allows us to protect and provide for ourselves & our families.
  • As a  technology-enabled financial advice business, we work seamlessly Australia-wide, across multiple time zones with busy clients.

The Sapience Financial group of specialty brands was born out of a personal understanding of what happens when a medical diagnosis stops you from working — you lose your health, then lose your job, then your career, and nearly lose your home — along with hope for a better tomorrow.

When you want to protect and provide for who's important to you, we can help you manage the hidden risks of facing an unpredictable tomorrow.

We call that 'Becoming More Life Confident'.

[ Our Services ]

What We Offer

Tailored Life Insurances Advice & Modern Estate Planning Services
for Small Business Owners, Partnerships & their Families
so they can protect themselves (and their families), from their business

Risk Insurance Advice for Small Business Owners

Different businesses all have unique strengths and needs, but their one common denominator is all businesses run on people and capital - and that's a risky combination.

Risk Insurance Advice for Families of Small Business

Nobody does their best work during an unexpected crisis. We all need a backup plan in place well before we face one of lifes potentially serious accidents or health events.

Modern Estate Planning & Wills for People

Many people mistakenly believe estate planning is simply about making a Will. They forget (or ignore) Modern Estate Planning involves creating 3 Key Legal Documents, all designed to help maintain their independence.

Modern Estate Planning for Companies

Most people are not aware that the role of Company Director cannot be inherited, gifted or exercised under a personal Power of Attorney. Companies need their own estate planning.

Purchase Key Legal Documents

Legally documenting your agreements is an important part of modern life and business. From Mutual Non-Disclosure Agreements to Partnership Agreements – we provide legally drafted documents to formalise your key legal decisions.

Purchase Key Family Documents

Preparing for the unknowing becomes a little more complicated in modern life. Documenting Loans to Family Members is now an important part of modern family life to protect them - and your good intentions - from future risks of addiction, bankruptcy & divorce.

Premium Services

Mortgages, Debt Consolidation & Refinancing, sorting out Super, Salary Sacrificing, Savings & Insurance Bonds, (Managed Discretionary Accounts & Unusual Investments - by invitation only). Talk with us about your needs.

Debt & Mortgage Refinancing

Manage your mortgage better. Consolidate debts, get a better interest rate, restructure for more flexibility, release equity, set up more flexible credit facilities for later. Prioritise your debt management.

Insurance Bonds

Insurance Bonds are a saving and investment vehicle that can help protect and build your wealth, and firewall your inheritance planning – without increasing your personal income tax.

 

Australian road sign kangaroos, wombats and Sapience Financial

Downloadable Resources

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

Download | 31 Families Lose a Parent Every Day

Download | 7 Myths About Modern Estate Planning

Download | 31 Good Money Habits to Model for your Kids

Download | 7 Financial Decisions Same-sex Newlyweds Need to Make


free download eguide 31 Good Money Habit to Model for your Kids sapience financialdownload eguide seven myths of estate planning thumbnail sapience financial 31 families lose a parent every day thumb 400D  free download eguide 7 Financial decisions same sex newlyweds need to make sapience financial 400   

Coming soonComing Soon: Keep an eye out for our 2024 new eGuide Unexpected Wealth Syndrome and learn new skills on how to better manage an unexpected inheritance, redundancy payment, or even a lottery winning.

Get our Not-a-Newsletter

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.

Drew Browne

P.S. It's never too late to start a healthy new habit.

Financial Calculators

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

Managing your Money

Borrowing and Credit


Superannuation


Retirement

Investing

*ASIC is the Australian government's Financial Services Regulator and MoneySmart is their customer-facing website.

Should you retain or transfer your personal risks

What's your attitude towards financial decision making and juggling risks?

This presentation has 6 Quick questions to help start your thinking.

Read more …

  1. 6 Questions Multi-owner Businesses need to answer
  2. How much financial risk can a family or small business hold?

Presentations

[ Our Focus ]

Types of Businesses We Work With

We Support Business Owners Like You

We're also a Small Business & can help you protect what you've worked so hard to achieve,
 so you can provide a more predictable future for you and your family

Sole Traders

Sole Traders, Tradies, and Solopreneurs There are an increasing number of people who choose to start a business with no intention of ever adding staff — the Sole Trader Small Business Owner — and this business structure is likely to only increase...

Read More
smiling female and male business partners in comfortable conversation

Partnerships

Partnerships An increasing number of professionals choose to start a business with another person in a Partnership structure. Joining forces with others in a business can make a good idea better, as increased shared expertise, resources, new...

Read More
Multiple business owners at a work desk

Company & Multi Owner Businesses

Company & Multi Owner Businesses While an increasing number of professionals choose to start a business with another person in a Partnership, a Company structure suits the needs of many modern small businesses that want the legal...

Read More

[ Business Services Include ]

Types of Business Life Insurance

If someone mentions life insurances for businesses, there's a reasonable chance they're referring to one of the following

Four Core Small Business Insurance Strategies

Fixed Expenses Protection

All businesses have Fixed Expenses (aka Fixed Overhead costs) that keep-the-doors-open-for-business. Fixed Expenses Protection can shield the business from the financial drain of needing to continue to pay the cost of these ongoing overheads, during a serious sickness or illness of the owner or its key people.

Key People Protection

This helps safeguard a business against the financial impact of a critical illness, disability, or unexpected death of a Key Person to the business. It can also help pay off any outstanding business loans in the event of a critical illness, disability, or unexpected death of the Owner or a Guarantor of a loan, during the length of the policy.

Business Debt Protection

When a business has Business Debts, whether loans from the owner, shareholders or their family - or from more formal funding secured by personal assets and Directors guarantees, Business Debt Protection insurance can protect the business, and the family that supports it, from the debt.

Ownership & Shareholder Protection

If your share of a business is your most valuable asset, protecting your ownership of the business for you and your family is essential. Ownership Protection aims to cover all outstanding business debts and liabilities in the event of an owner's departure from the business due to disability, traumatic illness or injury, or unexpected death.

[ Our Stories ]

People We Work With

We Support People Like You

The one constant in modern life is change & people's needs can change with each new relationship

Singles

Singles Relationship status is no indicator of financial responsibility or business skills. You can be young and starting out or older and established — and both enjoy living the single life. You might be single, single again, sometimes...

Read More

Partnered

Partnered Sharing life and business with someone can be twice as exciting but can bring twice the risks to manage. You might be partnered, partnered with pets, officially de facto, officially married, splitting expenses but sharing life, or...

Read More

Parenting

Parenting Parents are in the business of growing healthy young adults.  It's a major emotional commitment — and it’s also a financial one. As your child grows, so will your obligations to help them with their financial needs while balancing...

Read More

[ PEOPLE SERVICES INCLUDE ]

Types of People Life Insurance

When people talk about life insurance products, they're referring to one of the following classes of life insurances:

 

Life & Terminal Illness Insurance

The idea behind Life insurance is, during your life you will probably support people you love, you will choose your family and friends and maybe support a cause, or a charity or two as well. Don’t let all this good not happen, just in case you’re not here to do it. Life insurance can mean you can still do your part to keep love going.

Income Protection Insurance

Income Protection can help get you through a difficult period, without having to eat into your savings or rely on outside help – so a temporary setback doesn’t put you behind for years. If you become injured or too sick to work for an extended period of time, it could pay you up to 70% of your income (and 100% of your compulsory super contributions) until you recover or retire -whatever comes first. Use this money to cover your medical and rehabilitation costs, as well as any future expenses, which may also include paying for your children’s education or paying off your home loan.

Total & Permanent Disability Insurance (TPD)

A permanent injury or illness can make it difficult (or impossible) to return to work. TPD insurance can provide a long term financial safety net to help support you and your family, and pay for medical and rehabilitation costs. The reality is, most accidents are unavoidable and can occur anywhere: at work, on a trip, or in the comfort of your own home. And studies have shown that many disabilities are the result of a sickness—like cancer, a heart attack or diabetes—not injury.

Crisis & Trauma Recovery Insurance

The biggest financial risk to a individual or their family is a surprise arrival of a major medical bill, that might not be fully covered by the PBS or private health cover. Being diagnosed with a serious medical condition impacts both you and your family. Critical Illness insurance can help take away the worry of having to cover your day-to-day expenses and sudden medical costs while you undergo treatment or recover from surgery.

Severity Based Insurance

The new Severity Based assessment process aims to pay claims sooner and in proportion to the need, rather than the traditional one-claim-fits-all-approach. SBI covers more medical conditions, is designed to include partial claims and pays claims earlier, and repeatedly as more support is needed.

Children's Cover

A sick child is a whole family issue and can require a whole family response. Child Critical Illness insurance provides you with a one-off payment to help lighten the financial pressures of a sick child with a serious medical issue, allowing you to focus on your child and their recovery. Child Cover pays a lump sum if your child suffers from any of the medical conditions listed and defined in the policy.

Accident Only Cover

The Plan B for when you're not eligible for Plan A — becomes the next best thing to help reduce your risks. These types of specialist policies are designed to help people who, for a variety of reasons from complex medical history, recent medical procedures or family history of specific illness may not be eligible to qualify for comprehensive insurance cover, but who still have financial needs to protect and families to keep safe.

Speciality Cover

Business Owners and Employed Professionals realise the one-size-fits-all approach to life and business, never works for people living bigger lives. From difficult to manage pre-existing medical conditions, high risk occupations, or self employed occupations with very long hours who don't qualify for comprehensive insurance cover, a specialist risk advisor can create a hand-crafted strategy for your personal insurance cover needs, because one size never fits all.

[ Our Blogs & Vidoes ]

Browse Our Blogs

Every month we publish our own Personal Finance Blog about practical financial issues
our clients, friends & supporters face, so they can become more Life Confident

From Our Personal Finance Blog

Proud grandparents and their grandchildren
Gifts, Loans and Debt Forgiveness
01 Jan 2025
Read More
medical gloved hand holding with marijuana leaf
Tips for Applying for Life Insurance when using Cannabis Oil
28 Dec 2024
Read More
Our 20 Most frequently asked questions about being an Executor named in a persons Will
27 Nov 2024
Read More
Time flies when you’re having fun but even faster when you're in Small Business
03 Sep 2024
Read More
Bad Night? Bad Romance? Bad Super Binding Death Nomination?
19 Aug 2024
Read More
The recipe for disaster that is leaving Specific Gifts in Wills
17 Jul 2024
Read More
Just to let you know, 'We're Moving' AFSLs
14 Jul 2024
Read More

Modern Small Business Leadership Blog

We publish our own articles about Modern Small Business Leadership to inspire
our clients, friends & supporters to grow better businesses.

From Our Leadership Blog
First time Dad, first time Boss and the world looks different now
19 Apr 2023
Read More
Asking great questions is better than finding simple answers
18 Jun 2024
Read More
Diversity matters – is your website a little too white?
19 Apr 2023
Read More
boardgame dice
Business life is a lot like a game of snakes and ladders
10 Oct 2022
Read More

Our Educational Videos

We create our own Fun Animated Explainer Videos and Client Educational Videos
to help people understand the practical How behind the Why.

From Our Educational Videos
Needlestick Injury Insurance
Fun Explainer Videos
Read More
Drew Browne talking about the chances of needing to claim on a life insurance application
What is the chance of needing to claim on a life insurance policy?
Risk Education Videos
Read More
Drew Browne talking about when people use a life insurance policy
When should people use a life insurance policy?
Risk Education Videos
Read More
Drew Browne talking about the possible outcomes of a life insurance application
What are the possible outcomes for a life insurance application?
Risk Education Videos
Read More
What's the application process to set up life insurances
Risk Education Videos
Read More
How Much Life Insurance is Enough?
Fun Explainer Videos
Read More

[ Our Professional Reach ]

Access every Life Insurance company in Australia

 You wouldn't go to a Doctor who never finished medical school, so why would you use a risk adviser
who doesn't have access to every life insurance company in Australia?

Want to learn more about Why This Matters?

AIA

AMP

asteron

BT

clear view

comminsure

Integrity

macquarie

MetLife

MLC

neos

one path

TAL

zurich

Services for Life, Love & Business

Small Biz News Alerts

Key Products & Services

Find Me on the Financial Advisers Register

The Australian Government's financial regulator, ASIC, maintains the Register of Financial Advisors here.

Latest Blog Articles

Drew Browne Senior Advisor Sapience Financial

Drew Browne - Senior Advisor @SapienceFinancial

 

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Community

Our Local & National Charity Partners

Contact Us

Serving Australia Wide, from
George St Sydney, NSW, Australia.
[ Gadigal Land ] & [ Darug Country ]

Phone: 1300 137 403
Say Hello! sapience.com.au

 

Get Advice-on-Demand from a
National Specialist Advice Firm
by email | phone | video | face to face |

Everyone is Welcome Here!
@SapienceFinancial
#AdviceEquality  
You're Welcome Here - Progress Pride Flag

Drew Browne is an Authorised Representative and Sapience Corporation Pty Ltd. ABN 29 086 679 718 is a Corporate Authorised Representative of an Australian Financial Services Licensee AFSL, NSW Complete Financial Services Group Pty Ltd ABN: 791 284 037 98 AFSL: 457600. Any information provided is general advice only and we have not considered your personal circumstances. Before making any decision on the basis of this advice you should consider if the advice is appropriate for you based on your particular circumstance. Sapience Financial is a Trauma Informed Organisation (TIO) and affirms the Darlington Statement on Intersex Human Rights Australia.

Sapience Financial acknowledges the Traditional Custodians of Country throughout Australia and their continuing connection to land, waters and community. We pay our respect to them and their cultures, and Elders, past, present and future.

Flags of the Australian First Nations peoples

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