The reality of a Domino Effect in life and business


We believe secure people live bigger lives.

Sapience is all about helping people protect and provide for their families and businesses, so they can become the best versions of themselves.

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The Domino Effect

According to Wikipeadia a domino effect or chain reaction is the cumulative effect produced when one event sets off a chain of similar events. The term is best known as a mechanical effect and is used as an analogy to a falling row of dominoes. It typically refers to a linked sequence of events where the time between successive events is relatively small. It can be used literally (an observed series of actual collisions) or metaphorically (causal linkages within systems such as global finance or politics).◊

How to start a risky conversation

When we're talking with families and businesses about risks, it's not long before we're discussing the concept of a Domino Effect.  

This is where one event (often unrelated or unseen) triggers a chain reaction of events that ends up having an impact on something or someone far removed from the initial trigger event.

  • It can be a fast overnight shock or a slow and painful unfolding set of circumstances.
  • Either way once started, it's near impossible to stop a Domino Effect.

That's the type of problem we all need to protect ourselves, our families and our businesses from. And that's where Sapience comes in—we stop dominos falling. Better said, we protect our clients from the financial damage (and devastation) that these chain reaction realities of life and business can bring.

Life is naturally risky and that's normal. Not to manage those risks is where normal becomes crazy.

Risks are a natural part of everyday life

Looking after a family and keeping everything flowing is a daily challenge for most people. Keeping track of the risks to that flow is part of that process.  If you run a business you'd probably have some additional risks that most people wouldn't have considered. If you're an adventure sports fan and ski double black diamond ski runs, go mountain bike riding or play competitive football on the weekends, you'd probably have a few more risks to add to your list to manage. Everyone's list of risks is different.

  So regardless of how average or adventurous you and your pastimes may be, the one common reality for us all is this—we all need to know and manage our own particular risks so we can live a bigger life.

Managing those risks proactively is a key part of protecting and providing for a family and a business.

So where do you start?

The more you have to risk the more you need to protect what you cannot afford to loose. The bigger your plans for your life, the more you need to understand what’s stacked in your favour and how to avoid those things that are stacked against you.

Sapience is a team who specialise in risk protection and risk reduction for families and businesses. We like to say we're about everything protecting or providing and we recognise that those keys to success often overlap and support each other too.

How do we do it?

Sometimes we use insurance, sometimes we use legal structures, but most often it's about education, insights and a practical strategy to help our clients and their families or businesses reduce or remove their key risks. The end result is they sleep better at nigh knowing a safety net is now in place, just in case it's needed.

The hard reality is... well, hard

Without that protective insight and a plan in place to protect you, a domino event can wipe you out, fracture your family and destroy the value of your business.

Setting goals for yourself automatically takes you out of the past and changes your future

The good news is, it doesn’t have to be that way if you have Sapience on your side.

Contact us today to get your risks protected (because your children think you have a plan in place and have all this sorted already).

If you're interested in learning more about Emergency Savings you might be interested in our blog article here

If you're ready to start a meaningful conversation about managing your particular risks better, you can download our Client Discussion Starter Worksheet here.

Drew Browne

Drew specialises in helping people protect and provide for what matters most in their lives. He's an award-winning writer, speaker, financial adviser and business strategy mentor. His company Sapience Financial and Investment Services is committed to using business solutions for good in the community, and in 2015 certified as a B Corp. In 2017 Drew was recognised in the inaugural Australian Westpac Businesses of Tomorrow national awards. Drew writes for successful Small Business Owners and Entrepreneurs at Smallville, his blogs can be read on and you can connect with him on LinkedIn.

Any advice 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.

drew browne pic

Drew Browne

Sapience Founder & Director.
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