Our Speciality Brands
We specialise in risk insurance advice for small business owners, their families, dual income couples, and Trustees of SMSF and members.
While that can sound like a lot, we simply say, We Help People Protect & Provide for what’s important to them.
- Sapience has specialty brands all working to support our diverse customers and their specific needs; Sapience Financial - Unusual Risks - Finally Sorted - Modern Estate Planning.
Helping you Protect & Provide
We see the instinctual human desire to protect and provide, as the two sides of the same coin.
- One side is using Life & Disability insurances to build a safety net for people, while we’re all working to get ahead.
- The other side is using Estate Planning with clear death benefit nominations and Will documents, (and even special investment products) to make sure the best laid plans also have the financial resources to fulfil them, when needed.
Financial Life in Australia is getting more complicated
Financial life in Australia can certainly feel complicated and can seem to span such a wide range of opportunities and decisions that sometimes interlink, and at other times, don’t (but should).
- Regulated Financial Advice is said to be personal advice – a phrase defined by the Government Regulator ASIC as: ‘Personal advice is a recommendation or opinion tailored to your personal circumstances.’
- All other guidance is safely considered, general advice and usually comes with a consumer warning making clear the listener (or reader) bears personal responsibility for their actions, and you should, ‘Before acting on any you should consider your own circumstances and whether it is appropriate for your needs, financial situation and objectives’.
Sound Confusing? Yes! We think so too
For the last 20+ years we have been vocal advocates of the need for better intergrated financial advice standards and a clearer message to the Australian consumer. And we’ll continue to voice that, until we see it.
What are the two Types of Financial Advice?
- General advice does not consider your personal circumstances and is general in nature.
- Personal advice is more specific and is tailored to your personal situation from an adviser, depending on what you need.
Who is not a Licensed Financial Advisor?
- Mortgage Brokers are Credit advisers, but not financial advisers.
- Real Estate agents will try and sell you a property, but are not financial advisers. They have even been warned by ASIC not to provide investment advice as investment advice is provided by a licensed financial advisor. (You can read more about that government report here).
- A Buyers Agent who sells a property based upon its investment potential, is not a financial adviser.
It doesn't take long to realise that financial life in Australia can feel fractured so it begs the question, ‘Who do you speak to, to get real financial advice in Australia?’ We’d like to help answer that question.
What is not considered Financial Advice?
Factual information given to you is not financial advice.
People giving it do not need to be licensed. General financial advice is when your adviser gives you strategic advice about what your options may be, but doesn't recommend any specific investments or financial products.
We believe in the Privacy of Our Clients and their work with us
Well believe, the financial lives of Australia by default, should be private.
Why we don't promote Google Star Ratings
You may see we don't promite the Google Star Ratings on our website — that's deliberate, and this is why.
- We respect that our client's work with us is private.
- We never ask for or publish client reviews or testimonials.
- We never ask our clients to disclose to the world their private work with us.
- And we don’t track website visitors for re-marketing purposes on social media.
If we sound like the type of people you'd like to do business with, please contact us.
