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
Financial freedom is different for everyone, but the feeling is the same
You're Always a Role Model for Someone
Amazing people don't just happen
Live Happy Work Happy
In Life, Love & Business, do more of what makes you happy!
The Drive To Protect & Provide is Evolutionary
... and at Sapience Financial we're all about 'The How'
Create Purposeful Business
Life is too short not do something meaningful
[ 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.
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 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, from their business
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...
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...
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...
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...
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...
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...
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 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?
Every month we publish our own articles about practical financial issues our clients, friends & supporters face, so they can become more Life Confident
Browse Personal Finance Blog
Challenges mount for SMSF Auditors: A Tough Year Turns Tougher Ahead
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 via email | phone | video | face to face
Everyone is Welcome Here! #AdviceEquality
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 Shartru Wealth Management Pty Ltd #422409 ABN 46 158 536 871. 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.
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