There are moments in life when we decide to build something meaningful; a business, a home, a family's future. We pour our time, energy, and finances into these dreams, but often, a strategic silence prevails around the most central questions.
We build a beautiful home, only to discover it’s sitting on a dangerously cracked foundation.
Here, we ask the hard questions first, replacing the classic Australian idiom 'she'll be right, mate' and its hopes, with clarity - to ensure the life you’re building is not just prosperous, but truly secure and built to last.
I invite you to join the conversation. Let’s ask the hard questions together (and poke the bear).
PS: What topics are on the horizon?
Over the coming months, we'll look at the questions other financial advisors are not prepared to explore.
We understand living through tough times.
With more than 25+ 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.
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'.
Nothing helps you boldly face the future like knowing you’re protected.
The Biggest Mistake Small Business Owners & Families make is they overestimate their ability to function well during times of immense emotional and professional stress, and underestimate the amount of resources they’ll need to survive, recover and rebuild.”
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
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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.
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.
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.
Want to learn more about Why This Matters?
The Australian Government's financial regulator, ASIC, maintains the Register of Financial Advisors here.
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Drew Browne - Senior Advisor @SapienceFinancial
Our Local & National Charity Partners
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George St Sydney, NSW, Australia.
[ Gadigal Land ] & [ Darug Country ]
Phone: 1300 137 403
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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.
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‘Super says, put your hand in your pockets ... Super says, you can trust us with your future’.
A Statistical Reality:
The music has stopped, but the definition of your cover has changed. If your fund relies on ‘Everyday Working Activities’ (EWA), you might find there is no chair left for you to sit on.
